milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/17/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (NY).
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint: I received a credit alert that someone opened a new credit card in my name fo r BP gas stations.  I previously had a card for this back in high school, but this was closed years ago ( probably around 2011 ). It was recently re-opened and sent to my parents house, despite there being no request for a new card. As a result, my credit score has been lowered and it now shows I 'm carrying debt related to my parent 's credit card.

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 04/14/2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I contacted CFPB to dispute a negative mark XXXX XXXX XXXX collecting a debt for payday loan yes. it showed XXXX in 2008. I have never heard of payday loan yes. I never received any correspondence from XXXX or XXXX loan yes. Their response to CFPB is on file case # Case number : XXXX ; however, the negative mark has not been deleted from either credit bureau as promised. I also disputed with the credit bureaus and informed them of the response on CFPB ; however, they continue to report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/16/2016 about Credit reporting () with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: There should never be any medical bills on my credit report I disputed this with all XXXX credit reporting angecies back in XXXX I am a XXXX permanent and XXXX vet, I see XXXX medical related charges on my report 1. Money recovery acct # XXXX for XXXX 2. Merchants and medical acct # XXXX for XXXX 3. XXXX XXXX. If any XXXX try to put any medical bills on my report there should be an immediate alert because all medical facilities in Michigan that handle veterans should contact XXXX XXXX XXXX XXXX XXXX XXXX Michigan XXXX and speak to XXXX XXXX I spoke to him on XXXX and he said none of these facilities have contacted him about these accounts. I will send you my total and permanent award letter dated all the way back from XXXX and the credit report entries. I will also send you some bills in the past that the va has paid on my behalf.

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 non-monetary relief
Consumer complaint received 12/29/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CT).
Issue: Late fee

Complaint: I have been a Capital One credit card holder for many years. I have never missed a payment. Earlier in the year, I missed the minimum payment by mistake ( although I did make a payment ) and I did not receive any correspondence on this issue from Capital One. They have sense charged me a XXXX dollar a month fee every month sense and recently charged me late on my credit report for XX/XX/2016. As soon as I was made aware of the issue I resolved it with them. But this required me to call customer service and go digging around in past statements. I am very upset that this issue took a year to resolve, hundreds of dollars and XXXX communication from Capital One. Also in reviewing my credit card statements in trying to resolve with Capital One I could not get an explanation on why I was charged a late fee in XX/XX/XXXX when the payment was made. It just appeared on my next statement.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I filed a complaint stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concern no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I 've been paying on my loan since I came out of forbearance, interest payment, etc. for several years. I make monthly payments but the amount of the loan never decreases, not even a XXXX. I have asked for loan forgiveness programs and others to decrease payment and has been informed that I do not gualify for anything. What really puzzles me is that the loan does not decrease no matter what I pay. 
My employment and service for 40 + years have been helping XXXX. At one time, I was told if I worked in this capacity I would qualify for some type of loan forgiveness but, I have yet to see this happen. Please help me get some relief. I pay and my loan continue to grow interest and increases.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2018 about Debt collection (Credit card debt) with CURO Intermediate Holdings (TN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I receive calls before XXXX and after XXXX, and I also receive calls all day everyday, including weekends at late hours. As XXXX leaves voice mails that are completely blank or only have of the voice mail will be there and it is the same exact message every single time ( automated. ) I received calls even after beginning to make payments with them. A week after I made a payment they called when I was actually off work and the gentleman I spoke with had no idea I had made a payment when I asked, why are you calling again? I just paid you guys about 5 days ago. After he checked he asked if I could make another payment and I told him that I just made a payment, I couldnt make another, I had not even received my next check. He then told me that if I didnt set up a payment plan right then for {$100.00} a month ( which I could not afford ) that I would continue to receive the phone calls. Im still receiving these calls and Im still confused as to whether or not this debt is even valid. I never received notification that I could dispute the debt, and it is getting really frustrating to be constantly hounded. I want to dispute this debt and I want them to please stop hounding me and send proof to me if the validity of this debt. Ive kept in touch with them at least monthly and even just today tried to call them and have said listen I will even settle with you guys for a lesser amount because I dont feel like if this debt is valid, that that could possibly be the correct amount, just because I want the hounding to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (MI).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I submitted a complaint XXXX about The NCS inc, they did not send out the notice to me to offer to lower the debt on XXXX/XXXX/16 it was sent around XXXX/XXXX/16 they said that they gave me a dead line of XXXX/XXXX/16 this is false the deadline was XXXX/XXXX/16 and I have the letter to prove it. it is clear that this company do n't mind lying to achieve their goals. They have XXXX complaints about their underhanded tacticts and many more coming daily.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2017 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have called and complained multiple times that this is not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2016 about Debt collection (I do not know) with R.M. Galicia, Inc. (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I do n't know who this company is I do n't owe anyone XXXX I am requesting a full payment history. A signed copy of my contract. If you do n't have a copy of the contract remove this from my credit. 
Account number XXXX that 's all they gave me

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (NV).
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint: I have contacted XXXX XXXX on numerous occasions in regards to my XXXX XXXX credit card account. I am a XXXX XXXX credit card holder with Synchrony XXXX. For the past few weeks I have been harassed by synchrony as well as customer service reps, I have been discriminated against due to my age as well as have had to prove my identity a total of 14 times with the bank, this included me sending in my ID, social security card, proof of address, bank letters, and they even called my wife on her cell phone to ask if I am who I am. Synchrony XXXX has been contacting me and still is refusing to address my concerns they are stating that what they did to verify my identity was protocol but what they put me through was not a true protocol they even violated my privacy as a customer and called my wife on occasions and discussed my personal info to confirm wether I was who I was. I was also told to send multiple documents to the bank and they continued to place blocks on my account, due to the circumstances I did act out of character on some interactions because of the horrible things they put me through they made me feel like a true criminal, not a single executive at the bank has apologized to me for what happened. Instead the bank threatened me stating they would be closing my credit card accounts because i became irate and upset with their customer service. I have the email conversations and I would be happy to share them with you. I do not feel its fair or legal that Ive been treated this way by synchrony and now they are making threats to close my account which by law the bank can not do that. As I stated before I do apologize if I acted out of character but Im a human being and I think we can agree if any human being had to go through what I did they would have acted accordingly as well. Synchrony truly doesnt care about its customer and I hope you at the CFPB would take the time to call me at XXXX XXXX XXXX so we can discuss. Thank you so much and XXXX bless. I look forward to speaking to you soon. Wether my actions were justified or not the bank has no right to treat me the way they have treated me as a consumer and violated me in these ways.

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 non-monetary relief
Consumer complaint received 03-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with DISCOVER BANK (PA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I received a 2017 XXXX from Discover Bank about an old credit card account I had. Since they cancelled the debt and I have to report it as earned income, the balance on all of my credit reports should be {$0.00}. I have tried disputing the amount with all three bureaus, and they keep saying that the amount has been verified. How can Discover Bank cancel the debt and still say that balance is valid?

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2016 about Credit card () with SYNCHRONY FINANCIAL (FL).
Issue: Billing disputes

Complaint: I purchased a washer and dryer from H H Gregg. The purchase was put on my H XXXX Gregg credit card financed thru Synchrony Bank. This was a 24 month no interest promotion, meaning if its payed within 24 months no interest would apply. Approximately thirty minutes later I also purchased a TV with a 12 month no interest promotion. The washer and dryer purchase amount was {$2200.00}. The TV purchase amount was {$500.00}. XXXX 2015 an interest fee was charged to my account in the amount of {$1200.00}. The explanation I received was, the charges were n't paid in the 24 month period. When I reviewed my records I paid {$2400.00}. I paid for the washer and dryer, but I received interest for the washer and dryer.This would leave a balance of {$260.00} for the TV. If the TV had the shorter time frame but was purchased after the washer and dryer interest should have been applied for the TV not the washer and dryer. In Speaking with many customer service representatives no one could explain why my money was not applied to my first purchase. In other words my monthly payments were applied to the TV first. I reviewed the contract and could not find an explanation for this action. I was told to go to the store and speak with a supervisor. In speaking with the supervisor He should me a current contract and a clause, Payment Allocation. The statement reads as follow, We will apply the required total minimum payment to balances on your account using any method we choose. Any payment you make in excess of the required total minimum payment will be applied to higher APR balances. Applicable law may require or permit us to apply excess payments in a different manner in certain situations, such as when your account has a certain type of special promotion. I 'm not sure how this statement is justification for what has happened. I have called 10 - 15 times and was told by every representative not to pay on account while in dispute, yet I still received late fees which were removed after I questioned the fees. I received a letter from Synchrony Bank explaining the fee is justified and will stand as a valid charge with no break down of charges, fees, and payments. I 've been given a number to the escalation department and told there hours or XXXX XXXX - XXXX XXXX. The number XXXX is not a valid number for this department. Basically I 'm getting the run around. I expressed my disappointment and the feeling that I was tricked into this agreement. The salesman and I went over the contract but at no time did I hear, read or know about this Payment Allocation. And I 'm still not sure how this applies to me. Bottom line I had {$260.00} left to pay the TV off. They offered me a {$660.00} pay off that 's approximately {$400.00} difference.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/15/2016 about Debt collection (Mortgage) with SELECT PORTFOLIO SERVICING, INC. (PA).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: Select Portfolio Servicing is a debt collector who claims to have seized my home in year 2004. I still reside in said home. I am a veteran XXXX being bullied by this company. Repeatedly sending the local Sheriff to my home and posting foreclosure papers. I did not ever receive a loan from this company. The company they claim to be collecting for is XXXX XXXX which is no longer in the loan business. I believe the statute of limitations is expired on their debt claim. There are discrepancies in the tax records on said property they are claiming to seize.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2015 about Credit reporting () with Experian Information Solutions Inc. (AL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: The account listed as an open collections account listed under XXXX in the amount of {$860.00} is incorrect. This account should have never been placed in collections to start with. Also, it was disputed in XXXX/XXXX 2014 and to be removed at that time. As you can clearly see from the attached documentation, I do not, nor have I ever owed this money. My health insurance plan at the time offered a {$1000.00} XXXX discount with XXXX XXXX XXXX ( original creditor ). This left me a balance of {$320.00}. I was told by XXXX that I only needed to pay {$300.00}. My cancelled check is attached as well. Please remove this account from my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/15/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (MS).
Issue: Problems caused by my funds being low

Complaint: I have been banking with wells fargo for about 3 years. I have had constant problems with their services. Starting in XXXX 2016, they claimed they investigated XXXX and refused to give me back my XXXX deposit for the rental car. I had to contact the attorney general in XXXX to get my money back. This month, they claim I do not have online banking, I am XXXX or something close to that in the negative in my account. I can not access my account anymore online so I can figure out what charges should be there and what charges should n't be there. I am currently stuck in XXXX, XXXX because of wells fargo. I have received several e-mails concerning this matter about my account. I told wells fargo to notify me when my account reaches below XXXX. I only receive maybe XXXX e-mails concerning this account. XXXX XXXX in XXXX, XXXX-XXXX XXXX XXXX down from the XXXX XXXX XXXX hospital claimed I was already in the negative when I arrived in XXXX, XXXX now another bank in XXXX, XXXX downtown area near the county courthouse claimed it was when I took out the XXXX from account in XXXX at a wells fargo account that made my account in the negative. I just trying to figure out what should be refunded on my account and what should be charged on my account.

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 non-monetary relief
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NV).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I was a victim of the 2017 Equifax breach that they knowingly withheld from the public for months while their stockholders could prepare for the fallout from this news.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: This loan is on a forbearance plan for the months indicated for late Never been late, they put me on a FEMA plan forbearance. Then have been reporting me late for 7 months straight. I 've given the credit reporting the forbearance plan the lender has not cleared this for the 7th month in a row. Called again today XX/XX/XXXX could take another 60 days. They can expedite this is their error we have to pay for there error. I can not apply for credit with this on my report and I have business that needs to be done Please include all recordings as proof with select portfolio servicing

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 02-09-2018 about Debt collection (Other debt) with Security Credit Services, LLC (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Security Credit Services llc are helping the original creditor XXXX XXXX COLLECT A disputed fraudulent debt by putting two collection accounts acct no.XXXX and acct no. XXXX ON XXXX  XXXX   AND XXXX  credit reports. 
Each account reflects a purchase of a sofa.Both sofas were defective in their construction and began to come apart after delivery.In less than several months both sofas had become rubbish for the trash heap due to poor workmanship, the screws or nails that the frames were held together with did not hold the frames together.When I approached the salesman at XXXX XXXX, HE OFFERED ME A XXXX DOLLAR condolence refund each on the sofas which I refused.Security CS works as the strong arm for XXXX XXXX who buys and sells junk products to the unsuspecting public for the typical price of what a sofa costs anywhere else.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2017 about Mortgage (Conventional fixed mortgage) with RP FUNDING INCORPORATED (FL).
Issue: Application, originator, mortgage broker

Complaint: RP Funding here in XXXX advertise on radio that they pay for all closing costs. When I called them the representative told me this is true, that they want to help people out. After I gave them all my info to go forward with a home mortgage, I asked so you build the cost of closing costs by charging higher interest rates than other banks. He said yes, so they do not pay the closing costs but just defer them and make more interest from you so they not being up front with you. I did not get the loan because of the dishonesty with this company Thank you, XXXX XXXX XXXX XXXX

Company response to consumer: Closed