milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-02-2016 about Bank account or service ((CD) Certificate of deposit) with SYNCHRONY FINANCIAL (IL).
Issue: Account opening, closing, or management

Complaint: We recently tried to move {$30000.00} of our college savings for my daughter to Synchrony Bank, but have found Synchrony to be very unfair and deceptive in their process. After a month, they have yet to open the account or begin paying interest. I have called them several times and continue to get different excuses each time I call. One person ( XXXX ) suggested in his message that we endorsed the check wrong. ( But when we call him back during his supposed work hours, he never answers the phone and he never returns our call. ) Another said the system had timed out and I needed to start the process over. And a third suggested that maybe it was because my daughter did n't have a credit history. ( I tried to apply before she turned XXXX, but Synchrony descriminated against minors and refused to allow us to apply. ) I 've tried to call Synchrony at least 10 times and they rarely return my calls and when they do, they call when we 're at work so they do n't have to talk to us. 

This all started when I started the application on XXXX XXXX, 2016. At the end of the process, Synchrony 's system responded " Thank you for your interest in opening a Synchrony Bank account. We 're working on your application. If we need additional information, we 'll contact you within 3 business days. If you have any questions please call us at XXXX. Account opening ID : XXXX. '' Having heard no concerns after 3 days, we withdrew the money from our credit union and mailed it to Synchrony ( so it was a bank check, not a personal check ). Since that time, they have n't opened the account and wo n't give us a straight answer as to why or what they need to resolve the problem. I 've tried to escalate to a member of management, but they do everything possible to not escalate. They are very resistant and will only give in after the customer gets angry. When I finally got the call escalated to XXXX, I thought maybe I was getting somewhere. But then she did n't return my call either and was careful not to provide her full name or phone number. 

They are also abusing the process by keeping our check and not returning it so that we can go to a different Bank that really wants our business. We 've lost nearly a month 's interest, not to mention the time for all of these calls and now this complaint just to try to get our money back. 

Last week, I left XXXX yet another voice mail sharing my expectation that the funds were back in my hands by the end of the week. I received neither a response nor the check. When I called today, they insisted that I explain the whole thing over again. I had to again get angry to get the call escalated, but then XXXX response was more excuses and to blame me for not calling the right area of the bank. 

This is probably the worst service I 've ever received from a bank. Please help me get my money back from Synchony and stop them from abusing other customers this way!

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OK).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: X/X/2017 learned that Equifax had a massive data breach that exposed name, DOB, address and SS numbers. Went to the company website to see if my data was stolen. The inquiry said it may have been compromised, the next link on the site was to get a free year of their data protection ( which is not nearly long enough ) but that did not tell me if my data was stolen, I have to wait 4 days to sign up and found out the terms included leaving to use arbitration instead of legal recourse in the court system. This is totally unacceptable, they should be required to let me know if my data was stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2016 about Debt collection (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: They call XXXX times a day and then call my co-signer each time after. I 've submitted a cease and desist letter and they came back to tell me that it does n't apply to my state. To top it off, they harass me by doing a credit pull through Experian and read over the items on my credit report and challenge me on how I was able to pay the minimum on my XXXX XXXX ( {$25.00} ) and not my loan ( {$1200.00} ). 

I 've been out of a job for 6 months and keep having to explain to them that but they DO NOT STOP the harassing calls. 

XXXX ( XXXX ) XXXX is the number they call me from, who call themselves NAVIENT and I called back one time and the representative answered saying " EZ loans '' NAVIENT claims to have an in-house collections department who is " not '' supposedly a third-party however there is fradulent activity here as they are underwriting loans and collecting for NAVIENT and call themselves a non-3rd party. 

Moreover, they CAN NOT pull my report each time without my consent however they do. I 've asked for permission to record my phone calls with them and each time they decline and hang up the phone. 

Please please please please look into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2016 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (FL).
Issue: Making/receiving payments, sending money

Complaint: I was just looking over my bank statement for a mortgage and found the following issues. With all the rules on banks you would think this one is a simple one to adhere to! I 've had this mortgage for a long time and I think it used to show this, but now it does not. 
1 ) The amount of interest charge for the period. It shows the amount applied but it is impossible to discover if that covers the mortgage since there is no indication of the interested accrued for that period. 
2 ) All three columns indicating Interest due, Full Principle due, and full principle and interest are blank, or show XXXX. 
It is clear from the attached statement under option XXXX that you may not be making enough of a payment to cover your interest however there is no place on the form that indicates what that payment should be. 
Is n't it a requirement to show what one is actually paying and or required to pay to cover the mortgage. 
BTW this is Chase Bank

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2015 about Debt collection (Credit card) with Hameroff Law Group, P.C. (UT).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: A letter for debt collection was sent to me from the Hameroff law offices dated XX/XX/XXXX. In response, I mailed a letter ( certified ), dated XX/XX/XXXX, in which I requested not to be contacted about this debt any further. The statute of limitations for legal action on this account has passed. I have not made any payments on this debt since at least XX/XX/XXXX. In this letter, I stated : " Let this letter serve as notification that I do not wish to be contacted about this debt any further except to be notified that future collection efforts are terminated. Any other communication regarding this debt will be taken as a violation of the Fair Debt Collection Practices Act. " I received another collections letter from them dated XX/XX/XXXX. Nowhere on this notice does it say anything their confirmation of my request.

Company response to consumer: Closed
Consumer complaint received 08-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XXXX XXXX, 2017 I contacted Transunion and spoken to Supervisors XXXX to dispute credit inquires that was not authorized by me. I was advised that on XXXX can be removed. On XXXX XXXX, 2017 I mailed a dispute letter to have inquires removed. I received a letter back stating the inquires would remain on my report for 2 years.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AZ).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: Called yesterday XXXX/XXXX/XXXX to get help concerning student loans with are behind due to wife becoming XXXX and currently can not work due to neck and back surgeries which have not worked thus our House hold income has been reduced by XXXX. What a joke their customer service is. The first line agents know and do nothing, placed on hold each time she had to see if they could help me ( Multiple times ). With all there supposed programs they can not help people in trouble. Been laid off three times ( XXXX XXXX XXXX, caused by the US Government ). At the time XXXX XXXX said I only qualified for a forbearance, never offered any other program or help. Thus around a {$40.00} loan now over {$75.00} ( almost doubled, over {$30.00} in fees and compounded interest ), it is like the banker having the key to the vault, or a payday loan company. I see now why they did not offer me any other helpful programs, they are really just Congresses loan sharks running the system! They get to have their cake and eat it too. I graduated in XX/XX/XXXX, I am XXXX years old. I will never get to retire. The way it is gong I will be dead before these loans are paid off. I am not asking for a free ride, just some real help. Piling more and more fees and compounded interest is not help, it is just helping someone dig a deeper hole in watch one can not get out of at almost XXXX years of age. I am also a XXXX XXXX vet and yes used part of my old GI bill to start college, but the old bill was canceled and thus had to get loans to complete college, while raising a family of XXXX, working full time, and helping put my own kids in college. No Vet should be saddled with college debt at least for a XXXX Degree. Also why do they base the help on Gross income? The US Government takes almost a third of my income out for taxes ( my money that can not to be used to pay my bills ) and that does not count the USG 's requirement to have Health insurance ( More costs ). The US Government created this mess they need to provide real help and fix it. The system has already made enough money off me already. Also they call me at least three or more times a day all hours of the day up to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CT).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: According to the credit Bureaus I have 2 account with XXXX XXXX XXXX. I do not have 2 accounts with XXXX XXXX XXXX. It also shows that one or both is a secured card with a security amount of XXXX. It does not show what bank account or credit card number was used to fund this account nor does it give me information about how this XXXX balance was rendered. 
When I reached out to the company both via mail and phone I was told its was verified. They also sent me some documents that appeared to be an application. I contacted them via phone and wanted to speak to the legal department, they returned that this is not a legal issue its a customer services issue and someone would call me to have the information removed. That was 10 days ago, I 'm filing this complaint because, I 'm having trouble getting the account properly disputed with the credit bureaus and when contacting the creditor it is equally as non- informing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX  shows my account delinquent when in fact it has been paid via there web app, they said they did n't recive it in time.   this is not true they have issues with their app.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Debt collection (Other debt) with Kimball, Tirey & St. John LLP (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX   XXXX   XXXX  is a California  Limited Liability Partnership lo cated in  XXXX   XXXX , CA owned and operated by G.H.  XXXX   XXXX . They have retaine d Kimball Tirey & St. John a s counsel. They are a real estate company who has ownership in the The  XXXX   XXXX   XXXX  in  XXXX   XXXX   XXXX .     From my understanding they are attempting to collect {$6700.00} for an apartment lease for their property The  XXXX  that I was NOT responsible for. I reached out to this firm shortly after reviewing the error on my credit report.  XXXX   XXXX   XXXX  of  Kimball Tirey & St. John  provided insufficient documentation to validate the debt on or about  XXXX   XXXX ,   XXXX  . The names listed on the lease were that of TWO other consumers. The only signatures and initials on the lease that  XXXX    XXXX     XXXX  attorneys provided were that of those two ONLY. My signatures and initials were never on these documents. This is NOT my lease nor my debt.     I sent out dispute letters on  XXXX   XXXX ,   XXXX   to all  XXXX  credit bureaus to conduct their own investigations.  XXXX  is the ONLY bureau who has validated this debt.  XXXX  has since deleted this account.  XXXX  is still conducting their investigati on. Kimball Tirey & St. John have b een reporting this account incorrectly on my credit report for over 2 years. They have caused financial harm and distress by reporting this account. Not only is the debt not mine, it is listed as an individual account, when in fact it is a joint account of the actual lease holders. This continued reporting of erroneous information has forced me to obtain counsel for possible litigation again st Kimball Tirey & St. John  for violation of provisions under the FDCPA and FCRA.     Without proof of this alleged item, specifically the contract WITH MY SIGNATURE & INITIALS, the item must be deleted immediately from all credit reports bearing my name.  Kimball Tirey & St. John  have failed in providing any such documents with this information. They have only provided a few pages from an incomplete lease agreement with other consumers names, signatures and initials and a ledger as proof of debt. This is unacceptable.     If this final request does not prom pt Kimball Tirey & St. John t o conduct a proper investigation of the account in question, and send proof to me of said investigation, I will file a civil suit in  XXXX   XXXX  County for damages. I take my credit very seriously and the lack of professionalism and assistance in this matter has been outrageous. I am well aware of my rights under the FCRA and intend to pursue them to the maximum.

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2017 about Debt collection (Medical debt) with Amsher Collection Services, Inc. (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have called and attempted multiple Disputes to have this removed from all of my credit reports, with it still showing up on at least one, XXXX in general, and I explained to them that my father and I share the same name, and we have had our identity 's crossed up during medical visits and they use my social security and account instead of his. I have n't been to the hospital or to a doctor in two+ years to even accrue  medical collection, nor did I receive any bills via Mail. I would please like to have this removed from my Credit Report. I have been rebuilding my Credit Scores for over 2 years now and It looks bad to have this small debt lingering on me. I had even set up a monthly payment plan to pay it off just to remove it. They took out 3 monthly payments of {$25.00} then it all of a sudden ceased. Once again, Please have this removed I will greatly appreciate it. <P/>
Here 's the Information of the Debt.
<P/>
Collection Information Account Name Date Reported Date Opened High Credit Balance Acct. Type Account Status Past Due Account Number Client Credit Limit ECOA Last Past Due XX/XX/XXXX XX/XX/XXXX XXXX XXXX UNRATED XXXX XXXX XXXX XXXX-XXXX DATE OF LAST ACTIVITY WITH ORIGINAL CREDITOR : XX/XX/XXXX CONSUMER DISPUTES THIS ACCOUNT INFORMATION MEDICAL UNPAID AMSHER COLL XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX CHG OFF XXXX MEDICAL I XXXX XXXX DATE OF LAST ACTIVITY WITH ORIGINAL CREDITOR : XX/XX/XXXX PLACED FOR COLLECTION Company Name Phone Fax Address, City, State, Zip AMSHER COLL ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2018 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (TN).
Issue: Struggling to pay mortgage

Complaint: I am writing this in hopes you can help keep a family in their home. My husband and I are hard-working taxpaying citizens. We came across some difficult times, and Chase Bank refuses to work with us, despite our best attempts to get current on our mortgage with them. 

This past year has been extremely hard on us. My husband lost his mother and his sister. This caused XXXX to miss some work. Because of this missing income, it became impossible to make ends meet. We tried our best to keep up. When we did have money to give to the bank, they refused it, saying we needed to pay everything right then. In just XXXX months, we were in danger of losing our home. 

When we said we couldnt pay that much money at once, Chase Bank said they would had an assistance program. We were provided a list of documents we needed to submit, which we did. This is where things went bad. Our paperwork was lost, misplaced, etc. multiple times. We would talk to a different person every time we called in, and they would always offer to send us information wed never get. Our application is sitting at Chase Bank, and our mortgage is getting further and further behind.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2016 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (NC).
Issue: Account opening, closing, or management

Complaint: In late XXXX, early XXXX of 2015, I made some purchases that were supposed to go through my XXXX account to my XXXX XXXX account. Instead, XXXX erroneously charged my Suntrust account. I had been trying to remove this account from XXXX for months but kept getting errors. I contacted Suntrust to stop any transactions from XXXX and XXXX, the banker, told me she would handle it. Weeks passed and my account went negative from the issue because the charges were never blocked. I contacted my banker again, only to find out she was no longer with Suntrust. The branch manager at the time stated she would look into it and get back to me. Another week passes and I call to find there is a new branch manager who knows nothing about the situation. I stated I wanted to have this resolved and she said there was nothing she could do because the account was now in closing status. She said to wait until it fully closes and call back. I did. When I called back, I was then told there was nothing I could do because the account was closed and I would have to wait on a letter. Now, this account is reporting to my XXXX and Suntrust is being very " oh well '' about it, when they can clearly see the multiple attempts in my account from XXXX. XXXX needs a better system for removing accounts and Suntrust just needs better customer service. I 'm still trying to handle this account 8 months later and I 'm just getting the run around for the most part. Suntrust just wants me to pay the money and that 's about it. This is causing me so much financial stress because I ca n't get a bank account with my husband at his credit union with this on my file.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2016 about Debt collection (I do not know) with Account Resolution Corporation (MD).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have asked Account Resolution Corp to validate a collection they are reporting on my credit reports on XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2017 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (CA).
Issue: Managing the loan or lease

Complaint: False Reporting Investigation Reinvestigation Provide all Documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (ND).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: In the XXXX XXXX Equifax hack they believe that my personal information was affected. The leaking of this sensitive information could open me to the risk of identity theft and monetary loss. The lack of security from a company entrusted with the most important financial information of millions of people is inexcusable, especially since there is no opt-out option. I never chose to do work with this company, they have my information whether I agree with it or not, and now so does whoever hacked the system. Moreover, the fact that high ranking officials sold stock before the news became public so as to cash out before having to face the consequences of their ineptitude is just further proof these people should have never been trusted with our information in the first place.

Company response to consumer: Closed with explanation