milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-03-2017 about Checking or savings account (Checking account) with Synovus Bank (GA).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: XXXX/XXXX/XXXX Dear CFPB : My Name is XXXX XXXX I am following up with my complaint to Case # XXXX XXXX. I would like to explain why I am dissatisfied with the results before the case was closed. Although the representative of XXXX XXXX XXXX XXXXXXXX Synovus Bank XXXX XXXX XXXX did state in her correspondence that there would be some compensation of a refund to me of {$36.00} for one overdraft fee, I have not received any refund from the Merchant to date. In my complaint the fees of {$320.00} were not justified by Overdraft Privilege Standard Program as stated by XXXX XXXX. These fees are excessive and violates the UDAAP. Year to date I had been charged XXXX. Please see the back side of the XX/XX/XXXX statement. Please also notice on the XX/XX/XXXXstatement it is an Employee Checking and on the XX/XX/XXXX statement it was changed to an Access Checking. I did not notice anywhere on any of the copies, front or back that there was a mention of Overdraft Privilege Standard Program as implied by XXXX XXXX XXXX. Instead it says to call and ask about overdraft options available. Since there was no remedy to date and the bank has been willfully non-compliant, I reopened this complaint. My checking account has been closed since XXXX and sold to a collection agency. I checked my credit report and this debt from XXXX XXXX XXXX XXXX Synovus Bank has been added to my credit report since XX/XX/XXXX stating I owe {$340.00}. I am also disputing this amount as I had made a deposit of {$10.00} to my account two days before it was closed by the Merchant. XXXX XXXX XXXXXXXX XXXX Synovus took unreasonable advantage of me by taking funds I had deposited into my account for purchases I made and debiting my account interfering with my understanding of my debit card usage. Each time I added money it was not reflected in my account and when I asked for all transactions and or purchases to be declined if the funds were unavailable to clear, this option was not accessible to me. I was assessed a fee on top of a fee which did cause substantial injury to me. The substantial injury I am referring to is : 1. Checking account closure.
2. Being reported as delinquent to check systems.
3. Being harassed by a collection agency.
4. Reporting to all three credit bureaus for seven years and still showing if paid.
5. Decreasing my fico scores ; preventing me from purchasing a home until paid.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2015 about Consumer Loan (Installment loan) with Nationwide Intermediary Services llc (TX).
Issue: Problems when you are unable to pay

Complaint: I received a call on XXXX from an unknown number. XXXX XXXX from Nationwide Intermediaries representing XXXX XXXX XXXX called me regarding a debt. They indicated that I needed to pay XXXX from an installment loan. However the original loan was no where near this amount. They indicated that they would be filing a criminal case with XXXX XXXX hot check division for XXXX counts of check fraud which is a misdermeanor. XXXX did indicate that they could not garnish my wages in the state of texas. He said he wanted to put me in touch with XXXX XXXX who was a mitigator with the lawfirm and she could arrange a payment plan. When transferred, she advised me that I needed to make arrangements with my family members and request a loan from them to pay off the debt. If it was n't paid today, they would turn me over to XXXX XXXX hot check division, this would also appear on my credit report and I would end up having to pay the XXXX anyway. She also indicated that she would also file a judgement to garnish my wages. I indicated the previous person told me that they could n't and she said he was incorrect. 

I told them I wanted to make arrangements to pay off the debt, but that I needed to call them back. She gave me her number of XXXX. I went back to work as I was on a conference call. 

not even an hour later, XXXX XXXX called me back indicating that XXXX XXXX wanted him to check on my status. I advised I was still on a conference call and he indicated that he needed to hear from me by XXXX otherwise they would send the criminal charges. I was so scared and crying at my desk. I ca n't afford to have criminal charges filed against me. So I researched if this was legal and found the following article on your website. XXXXBasically this outlined by whole situation. BUt I 'm still concerned as I do n't want criminal charges..\I have since received XXXX calls from this

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2016 about Debt collection (Medical) with American Accounts & Advisers Inc. (MN).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I received a call from American Accounts and Adviosrs from phone number XXXX on XXXX/XXXX/2016. The man/woman i spoke to asked to speak to my first and last name, i acknowledged that was me, they preceded to state the bill I owed and asked if I had means ro pay it today. I said no, my husband was in a XXXX and we have many bills. They then made what I considered a very rude comment, so nobody is getting paid? That is not what I said, they got irritated when I questioned their demeanor. I then stayed I work in XXXX and they should verify more than my name and should state the mini Miranda. The person I spoke to was rude and accusing, I was not dealing with them and advised I would be reporting them and ended the call. I always pay my bills, it may not be timely for some but I always make good on my accounts and do n't appreciate someone teying to down grade me. Even if I had the money today, I would not have paid that person ( not even sure if the disclosed their name ). Unfortunately these are the people that give XXXX a bad name, working XXXX for the last 12 years of my career find it very rude.

Company response to consumer: Closed
Consumer complaint received 10/31/2015 about Prepaid card (Payroll card) with Empowerment Ventures, LLC (OH).
Issue: Unauthorized transactions/trans. issues

Complaint: On XXXX the XXXX my car loan company accidentally double charged my account. I contacted them and they refunded the funds well by Wednesday the XXXX these funds were still pending. I contacted rush card and they assured me my funds would be posted by Friday. That never happened, I called rush card and I held for over an hour finally a lady came on I explained again what happened she then called my auto loan company on XXXX way and was told they already refunded the amount and on their end it was adjusted and closed she even gave the transaction number. The rep assured once again that the funds should post with in the hour. I went to make a purchase XXXX hours later and my card declined. I called back held for another XXXX hours she then told me she escalated the issue and the funds will show available. Again no money has posted of course I call back held for another hour only to hear the guy did n't have access to the system and after he offered a supervisor rudely hung up on me. It 's wrong and unfair it 's been over the time frame they gave and I still do n't have my money which means bills ca n't get paid and o ca n't make purchases to take care of my children. Rush card customer service if rude absAnd unpleasant I have been patient but this is over board.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/17/2017 about Debt collection (Other debt) with Reliant Capital Solutions, LLC (AL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On  XXXX   XXXX , 2017 -- Reliant Capital Solutions wrote a letter to my address claiming that I owe them {$550.00}. I have not spoken with anyone with this company and this is the only communication that I have had with this company.
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I wrote a letter for them to validate the debt that they claim I owe. My letter is dated for   XXXX   the  XXXX , 2017. I know that I am well within my 30 pay period to dispute the debt. I have yet to see any form of communication in reference to this debt.
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Reliant Capital Solutions has already reported this debt to all   XXXX   credit bureaus. According to the FCRA, Reliant Capital Solutions is in violations as they are supposed to respond to my request to validate the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/28/2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (LA).
Issue: Problems when you are unable to pay

Complaint: On XX/XX/XXXX I opened a car loan with Santander and it became delinquent around XX/XX/XXXX ... I requested for it to be repossessed in XX/XX/XXXX. Now Santander Consumer Usa the loan servicer keeps changing the date of 1st delinquency on my credit report every year and adjusting the deletion date. It should have been deleted XX/XX/XXXX. Everytime I request the info from Santander and credit bureaus they say it can not be verified and Santander wont give me any verification of the loan. Today, reported the first day of delinquency is XX/XX/XXXX, which is inaccurate. I need this to be verified and deleted. I have requested several times for this to be verified and corrected but to no avail. Santander Consumer USA has committed fraud against me by changing the dates on the documents everytime I disputed it with the credit bureaus and the amount due.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Calling from a number that disguised as all XXXX.

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 12-08-2016 about Mortgage (Other mortgage) with STATE FARM BANK, FSB (FL).
Issue: Application, originator, mortgage broker

Complaint: MY XXXX MTG COMPANY HAS BEEN RENEWING MY MORGAGE OVER AND OVER AGAIN, THE LAST TIME ON A ONE YEAR BASIS AND ASKS FOR EXCESSIVE CLOSING COSTS OVER AND OVER AGAIN. THEY CONTINUE TO REQUEST NEW APPRAISALS ON A LOAN THAT IS OVER TENS YEARS OLD. 
I THINK I 'M BEING TAKEN ADVANTAGE OF.

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. (WA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Myself and millions of americans were victimised by the recent cyberattack on equifax. I am listed as a potential victim according to equifax 's XXXX. This exposes me and millions of americans to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2016 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I am refinancing my mortgage and the current servicer ( Citi Mortgage ) is charging me {$75.00} for the payoff statement. I think this is wrong and above the limit allowed. Can you please look into this malpractice? 
Thanks

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 monetary relief
Consumer complaint received 10-03-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with EQUIFAX, INC. (GA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: I spoke with XXXX from Equifax and she explained a service was offered back in XX/XX/XXXX for free Complete credit monitoring for a monthly period and it would cancel automatically. I contacted Equifax immediately in XXXX of XXXX and requested a cancellation and my card information to be removed. Equifax began charging my card XX/XX/XXXX for {$12.00} for a total of 4 months equal {$51.00} and switched it to a XXXX for {$17.00} and charged me and additional {$390.00} stating it would cover 22 months. I have been charged a grand total of {$440.00} I had no knowledge of this and I was told by XXXX at Equifax she could only dispute. She stated she has cancelled the subscription and if I am disputing the charges as unauthorized I would have to speak with my banking institution and she said her floor supervisor was not on the floor to offer me any credits back and she could only apologize to me for the inconvenience. I am furious. Especially with the recent breach. I need to be fully refunded for this as this is theft. My banking institution has been notified, blocked the merchant, however the bank advises me to contact agencies for assistance with holding Equifax accountable. I event went to the website and entered my social security number, last name, and they could not access an account. I took a screenshot of that for my records. I asked if they could tell me the last time the account was accessed since and XXXX told me she could not provide me with the information. She said she could only provide me with the account payments for the free credit monitoring and she was also unable to tell me how the services were upgraded from the {$12.00} to the {$17.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2018 about Debt collection (Private student loan debt) with National Enterprise Systems, Inc. (PA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I was contacted by NES and told I owe {$120000.00}. I agreed to settle the debt for {$22000.00}. This means they are forgiving {$120000.00}. I paid the agreed upon settlement. However, NES will not confirm my payment and that the debt is now settled. Nor will they send me a copy, as requested of my original promissory notes so that I can verify this debt.

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 05/16/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (CO).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: A balance transfer was initiated for {$4900.00} to  XXXX   XXXX  on  XXXX / XXXX /  XXXX   throug h Barclay  card.      Barclay card  is saying the transaction has posed, however  XXXX   XXXX  is stating that it has not.      Barclay c ard is now billing me for payments on a transfer that was not performed, but they are insisting it was.     When I contacted the contact center on they just say that the transfer is completed in their system and provide no assistance despite my proof of non payment through  XXXX   XXXX . I call ed Barclay Card o n  XXXX  and  XXXX  in attempts to get answers but they are continuing to not provide assistance.

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 08/31/2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (MD).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: I was astonished once I looked at my XXXX XXXX XXXX XXXX credit reports and realized that I was reported as having a late payment on the date below : 30 days past due as of XXXX 2011 I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this occurred, I thought that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time.

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 04-03-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with CITIBANK, N.A. (SC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The lady from the finance company calls as many as XXXX times a day, sometimes within minutes of the previous call. Even when payments have been made towards the loan, she still calls, as early as XXXX days after a missed/late payment. She tries calling from multiple numbers too. It got to the point that we had to block the numbers from the office, and then her cell phone number when she started calling from it.

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2015 about Money transfers (International money transfer) with XOOM CORPORATION (MA).
Issue: Fraud or scam

Complaint: I sent {$100.00} via XOOM which has not been paid yet the below receipt copy says that it has. 

De : Xoom Order Status Team XXXX XXXXXXXXXXXX XXXX XXXX : XXXX, XX/XX/XXXX XXXX p. m. 
XXXX : XXXXXXXXXXXX : Money Transfer Completed XXXX - Global Money TransferYour recent money transfer to XXXX XXXX XXXX XXXX has been completed and has been successfully picked up. 
XXXXAs a reminder, here are some details of your transfer : Xoom Tracking Number : XXXXSent to : XXXX XXXX XXXX XXXX XXXX : XXXX USDTo view the current status of your transaction, visit Track your transactionFor Customer Service , visit our Help Center or call XXXX ( XXXX ) or XXXX ( XXXX ) Transaction status email is automatically generated. If you reply to this email, we will not be able to read your response. Please do not reply directly to this email. If you need help, please contact our Customer Service department. 

About Us | User Agreement | Privacy Policy | Security | Site MapCopyright ( C ) XX/XX/XXXX-XX/XX/XXXX XXXX XXXX. All rights reserved.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Payday loan () with National Credit Adjusters, LLC (VA).
Issue: Can't contact lender

Complaint: I know I owe the account for XXXX XXXX which is a payday loan, it is now in collections which National Credit Adjusters are calling me, they are being rude, not allowing me to answer the questions that they are asking and they are talking over me, I do not want to send them anything if I am feeling intimidated, manipulated, every time I ask to speak with an individual I spoke with person they indicate he is not available.

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2016 about Credit reporting () with EQUIFAX, INC. (NV).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: There are several accounts that have been re aged on my credit file. My issues were a long time ago and past 7 years and still listed. Is n't this against the law. I have disputed several times and I do not get a response back. Please assist me in this. 
XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX. XXXX XXXX # XXXX, XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2016 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Transaction issue

Complaint: Went to a after hour and purchase a fish dinner for {$12.00}, the waitress never came back with my credit card and I had to get another waitress to hunt her down to get my credit card back because I became worried. She came back to my table with other receipts that were not mine and said she was sorry would return with the right receipt, later she gave me my right receipt which was in the amount of {$12.00}, I ask her did she cancel out the wrong amounts, and she said yes, I asked her for my copy and she said she did not have one for me to sign but would write her name on my receipt and the amounts and, if I had any problems. The next day I was charge {$35.00} and XXXX for purchases I did not make. File a dispute with Chase bank and Chase customers service representatives refuse to give me credit for the {$39.00} and insist on crediting me the {$4.00} only because credit was given for {$35.00}, but their were XXXX unauthorized charges I only sign for the {$12.00} which I did purchase.In total charges were {$74.00} charge to my credit card, Chase still owe me {$35.00} minus the {$4.00} given already as a credit. I want my refund immediately credit to my account. I do have the receipt the waitress gave me with her name on it.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2015 about Credit reporting () with EQUIFAX, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Wrong number of hard inquiries! And age of credit is totally incorrect!

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Payday loan, title loan, or personal loan (Installment loan) with WORLD ACCEPTANCE CORPORATION (KY).
Issue: Struggling to pay your loan

Complaint: I got a loan with World Finance Corporation,  XXXX   XXXX ,  XXXX , KY  XXXX ,  XXXX  last Fall (   XXXX    ). I  am recently divorced, had loss of income, single mom, etc. I took out loan to help with moving costs. Because of all the debt I had, I talked with and retained an attorney, discussing the possibility of bankruptcy. I decided against that ... felt like I owed the creditors and want to pay what I can instead of walking away. I am a client of   XXXX   XXXX   ( debt relief ). I have already settled  XXXX  accounts and having no problem with creditors other than World Finance Corporation. They have been contacting my family, friends and acquaintances leaving messages looking for me. I have NO OTHER person on my account with them, no co-signer, but yet they continue calling. I have blocked their number, but my family and friends are getting upset with the voicemails. I called the  XXXX  office this morning at  XXXX   XXXX . & told them that  XXXX  is in negotiations with their company and to please quit contacting everyone I know. It is making it harder to get this settled and borderline harassment. The lady I spoke with there said if I do n't take care of this within the next month, they will garnish my wages, i.e. This is the ONLY creditor that is calling me. Once I obtained the services of  XXXX , phone calls stopped by other creditors. As I stated previously, I have already settled  XXXX  accounts. I just wa nt World Finance Corp.,   XXXX  to STOP calling everyone I know.

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2015 about Credit card () with SYNCHRONY FINANCIAL (OH).
Issue: Billing disputes

Complaint: yes on my moms walmart credit card our monthly bill went from XXXX a month too XXXX a month??? we did not really charge that much for it too go up XXXX more a month???? so we would like a explanation not happy????? i do have power of attorney im her son XXXX/its in your records?????

Company response to consumer: Closed with explanation