milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/29/2015 about Credit card () with SYNCHRONY FINANCIAL (NY).
Issue: Billing disputes

Complaint: I was going online to paid my credit card bill of Walmart number # XXXX but they service was not operated online, I had call the credit card to make a payment by phone today but post date for XX/XX/2015, I was told by customer service representative from Synchrony Bank that I was going to be charge a late fee of {$35.00} because it was past due and I reply to her is not pass due. Can you please process the payment of {$98.00} on XX/XX/2015, She process the payment with no problem, she gave me the confirmation # XXXX, This is not the first time I been charge for late fee of {$35.00} for the month of XX/XX/2015. 
What gimmick or scam they are running in the credit card department, I 'm requesting investigation on this matter or issue ASAP, This is hardship for me at this present time or moment, I am not happy as a customer of Walmart/Synchrony Bank XXXX XXXX XXXX XXXX, GA XXXX, telephone XXXX. 
I feel and believe they should n't be a cut of time making a payment online or by phone. 
This unfair for the customer, including my self.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/21/2015 about Consumer Loan (Installment loan) with CITIBANK, N.A. (SC).
Issue: Problems when you are unable to pay

Complaint: unable to pay my loan to One Main Financial, ive told them verbally to do not call me and sent them certified letter stating that also, they continue to keep calling my work and im at risk of loosing my job,

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 05/24/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (OR).
Issue: Billing disputes

Complaint: I have had a XXXX XXXX for many years. I have also had an automatic payment withdrawn from my checking account for years after signing an agreement with the credit card company. Earlier this year I made a substantial purchase using a low interest propmotional check. XXXX billing cycles later I received notice that my account was overdue and I was charged a late payment fee. Customer service informed me that I would have to fill out a new automatic payment form which I did but not without complaint since I already had the automatic payment on my account.. They did drop the late fee. The next month, in XXXX of 2015 I made a telephone payment. At the time I asked the customer service representative if the auto payment would be in effect for the next billing. I was assured it was. On XXXX XXXX, 2015 I received a telephone call from a XXXX representative informing me that my account was overdue and was being turned over to collections. I informed the representative that I had auto pay. She stated that my auto pay had been discontinued because I had not used the card for a few months. She was courteous but unresponsive. When I asked her when the payment was due she informed me that it was due on XXXX XXXX, XXXX days previous. It was at this point that I asked to speak to a supervisor. She seemed disappointed which led me to believe that she was working on commission. The supervisor stated that due to a recent " conversion '' they were having problems with their automatic payments. She adjusted the late payment fee stating it would be removed from the account balance.She told me I would be required to send in another form for auto pay. I had an automatic payment large enough to pay off the purchase before or soon after the promotional rate expired. I believe XXXX is purposely violating the auto pay agreement in order to nullify the low promotional rate. In all the years I have had this card I have never had a late fee. 
At present I am not sure weather I still have the promotional rate or not.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2016 about Debt collection (I do not know) with Altisource Portfolio Solutions, S.à r.l. (IN).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: IGNORED CEASE AND DESIST AND DO NOT CALL AND CALLING HOME, WORK, CELL AND SKIP TRACING WUTH INVANSION OF PRIVACY INFRACTIONS IN VIOLATION OF FCRA NON VALIDATION OF 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 10/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with I.C. System, Inc. (NJ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: In XXXX of XXXX, I had a billing dispute with XXXX XXXX. As a result, XXXX XXXX stated I owed XXXX dollars. I disagreed and grieved the bill through XXXX XXXX. I never heard back from XXXX XXXX. Yesterday, XXXX/XXXX/XXXX I applied for a 30 year fixed mortgage. I wa advised that my credit that was over XXXX points last year was now XXXX. This adversely increased what my mortgage rate would have been if XXXX XXXX or the collection company had allowed me the opportunity to grieve or respolve the dispute. As a Result, I was forced to pay a bill in hopes the adverse bill could be reversed. This is extortion. I requested notification and records of the notifications of this outstanding bill that neither XXXX XXXX nor the collection company would nor could produce. I repeat, I was never notified that my credit was going to be adversely affected by XXXX XXXX nor the collection agency. After I paid a bill I was never notified about, the collection agency stated I would have to call XXXX XXXX to have this blemish removed from my credit, when I called XXXX XXXX, they stated I needed to call the collection agency. Someone needs to be accountable for this bully tactic. I am available for further comment or information if necessary.

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 12/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

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 01/14/2017 about Credit card () with AMERICAN EXPRESS COMPANY (AZ).
Issue: Rewards

Complaint: I signed up for the American Express EveryDay Card on the sign-up offer of XXXX Membership Reward points as long as I spent over {$2000.00} in 3 months. I met the terms of the offer by spending over {$2200.00} in the first three months - which was confirmed by several American Express representatives - and 6 months later I have still not received the points. During this same time I also added a American Express Offer on two different American Express cards that said I would earn XXXX points if I spend {$200.00} at a hotel chain. I spent the {$200.00} dollars on both cards ( {$400.00} total ) and only received the points on one card. I 've contacted American Express multiple times over these issues and each time the representatives assure me that the points will be added to my account shortly, which has yet to happen.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Ive been writing and mailing Experian to remove erroneous information off my credit report, however, they are refusing to properly investigate my proof and correct the information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-12-2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (MA).
Issue: Trouble during payment process

Complaint: I currently have a first mortgage with   Nationstar. We are in the process of applying for financing to purchase a new home ( with another lender ).
Nationstar offe  red me a loan modification in late   XXXX    . I paid the  three trial  payments, and was then permanently modified.     When my new lender pulled my payment history,  the three trial payments for the modification period showed as my loan being in forbearance. My loa n was never in forbearance. This is now holding up my financing process with the new home - which I am about to lose to another buyer.     I have spoken with Nationstar numerous times, and I have also sent numerous emails to their research department ( as instructed ) with NO response.     I just received my most recent statement as well - they have been collecting legal fees from me as well without my knowledge, and for no reason. I finished a successful Chapter  XXXX  in   XXXX   XXXX    , and no legal fees should be due at ALL.     I need help. No one is responding - talking to customer service is absolutely useless.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Debt collection (Auto debt) with NCB MANAGEMENT SERVICES INC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I 've tried disputing a couple of fraudulent accounts on my credit report, and the Bureau has taken some of it off but only the collection things. I 've sent letters to the collection agencies, NCB MANAGEMENT and have gotten little response. Not sure what is being looked into when the bureaus send me the results showing verified. How can they verify something that 's not mine? Most recently about a month ago I did send in an Identity Theft document and all of the items it asked me to include. Feel like after six months of disputing and working hard that it 's really going nowhere. Would like to have this stuff taken off my credit report bc it is not mine. Thank you I leave out of the country for months at a time, and someone must have used my information and apply for credits because I was always getting declined no one could tell me what happened. Police said too much time passed. I 've made contact via certified mail 2 times. XX/XX/XXXX and XX/XX/XXXX. Still have not received anything back or response.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2015 about Credit reporting () with Experian Information Solutions Inc. (OR).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Payment was made to XXXX XXXX XXXX ( have receipt dated XXXX XXXX, 2015 ). 
As I paid in full, at XXXX time, XXXX gave me a credit of 5 % on the total bill. ( from XXXX to XXXX ) Received notice from collection services two weeks later asking for payment of the full amount. 
I contacted collection agency with copies of receipt, and they sent me another collection notice a month later, when I again sent them a copy of my paid in full receipt. 
I now have a major black mark on my credit report. I have attached my billing summary ( no balance due ) from XXXX, and have also included my receipt from the initial payment on XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2016 about Student loan (Federal student loan servicing) with ACS Education Services (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I have been trying to consolidate multiple of my student loans into XXXX loan. All were accepted aside from ACS Education Services. I was told that the release of the loan was not accepted due to the fact that ACS was " reviewing '' my loan for the most updated information and fees applied. I was also told that the loan would be released once the " process '' was completed - this was XXXX 2016. Months later, I submitted a XXXX request to push things forward. I am being told that things are on hold yet again for the same reasons - XXXX 2016. My request to speak with a manager was denied and I have no other way or options of pushing things forward before the deadline to add loans.

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

Complaint: Equifax hack on X/X/2017. Credit report and all personal information was leaked. Completely unacceptable. Ca n't sign into Equifax to freeze or look into credit report at all to determine fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2018 about Debt collection (Other debt) with DEBT CREDIT SERVICES (WI).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Debt Credit Services has only contacted me once about a XXXX XXXX bill that was closed by XXXX XXXX seven years ago. They contacted me only once by phone. The representative that I spoke with was very rude, and told me that I had to pay the {$690.00} that day. When I tried to explain to the representative that the amount was incorrect : I had moved out of an old apartment years ago, that the name was never properly changed by XXXX XXXX when I moved out and that they had charged me for several months instead of the property owner, while I was n't even living there. I offered to pay the amount that I had owed when I moved out, which was {$360.00}. The representative refused, and told me I had to come up with the full amount by the end of the month or they were going to sue me and garnish my wages! She scared me into telling her that I would call back to make arrangements for payments. I requested a bill outlining the amount owed, and she said it would be mailed to me. Since I have not received anything in writing, I did not arrange to make any payments. I never received a paper bill outlining the amount owed and for when. The XXXX XXXX account was closed seven years ago. When I have made attempts to call the Debt Credit Services to request a paper bill again, I either get a message saying the office is closed, or I have to leave a message. I have not received any calls back, nor have I received anything in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2017 about Credit card () with CITIBANK, N.A. (NY).
Issue: Billing disputes

Complaint: On the internet I searched for " IRS EIN Number ''. A site came up appearing to be the IRS. With my CitiCard issued by Citibank, fooled by the site, I paid what I believed to be a customary fee of {$140.00} to the IRS. The next day realizing that the legitimate IRS provided EIN numbers free of charge I emailed the merchant informing I was rejecting his service. In fact I never opened the merchant 's email presumably providing me an EIN number. I informed Citicard of the above via phone and in writing. Citicard via their dispute process ruled against me. Attached find the dispute ruling ( 1 page ) and the documentation ( 8 pages ) submitted to Citibank upon which Citibank ruled the dispute.

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 05-04-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: UPDATE -- THIS IS REVISED COMPLAINT -  XXXX  Subsequent to my filing the first complaint, there are  2 n ew facts.     Previous complaint -- I have  XXXX   Capital One  credit cards. We transferred {$11000.00} to the older card, called  Capital One t o state it was in error. We then transferred same amount to  Venture Card . Capit al One ca lled use about a fraud alert and somehow both cards kept this transfer. We paid off  Venture but Older Capital One has charged us {$210.00} interest on this amount and inte rest is still accruing. We have paid off the other charges on time in full.     Today,  XXXX  provided a letter that states that  Capital One ref used a {$11000.00} wire on   XXXX   XXXX  , and has not cashed a certified check sent on   XXXX   XXXX  .  Capital One provided the wrong address evidently but the venue that received the check has not forwarded the check internally.      We have spent hours trying to get this resolved.     Today a supervisor told me that they could not waive the interest even though they have refused  2  payments prior to the first payment deadline after which they charged us this interest.     We have asked  XXXX  to cancel the check and deposit such funds in our   XXXX    checking account and then pay the e Capital One  Card. This was not rocket science to fix. I dont get it

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Debt collection (Medical debt) with I.C. System, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: TOD AYS DATE: XX/XX/XXXX    XXXX   XXXX   XXXX   SOC SEC #  XXXX  DOB  XX/XX/XXXX  ADDRESS   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , FL  XXXX  I.C. SYSTEM INC.    Your company have violated FCR  A 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.     The reference items are listed below please take this matter very serious I.C. SYSTEM INC.   I have report your company to  consumerfinance.gov  As a form of record and I am prepare to sue your company  Example In re   XXXX   XXXX   XXXX   XXXX   Telephone Consumer Protection Act Litigation, Case No.   XXXX  , in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report TODAYS DATE:  XXXX       XXXX   XXXX   XXXX    SOC SEC #  XXXX  DOB  XX/XX/XXXX  ADDRESS   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , FL  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 explanation
Consumer complaint received 09-04-2017 about Debt collection (Other debt) with Resurgent Capital Services L.P. (OK).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Not reporting correct date with credit grantor. Should be showing 2011

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I AM FILING THIS COMPLAINT BECAUSE XXXX HAS IGNORED MY REQUEST TO PROVIDE ME WITH THE DOCUMENTS THAT THEIR COMPANY HAS ON FILE THAT WAS USED TO VERIFY THE ACCOUNTS AND INQUIRIES I DISPUTED BEING THAT THEY HAVE GONE PASS 30 DAYS MARK AND CAN NOT VERIFY THESE ACCOUNTS ( NOT BY JUST TELLING ME THE ACCOUNT OR INQUIRIES HAVE BEEN VERIFIED ) UNDER SECTION XXXX ( XXXX ) ( A ) OF THE FCRA THEY ARE REQUIRED TO PROMPTLY DELETE ALL INFORMATION WHICH CAN NOT BE VERIFIED : THAT I HAVE DISPUTED. PLEASE RESOLVE THIS MATTER AS SOON AS POSSIBLE

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 09-06-2017 about Checking or savings account (CD (Certificate of Deposit)) with PNC Bank N.A. (VA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: US GAO fund created by XXXX XXXX with NASA XXXX XXXX  XXXX XXXX, XXXX, VA XXXX. She steals information using the XXXX database to commit life securities fraud with the Social Security Administration and communicates with the IRS to have fictitious documents sent. She organizes check fraud and federal mail fraud crimes with the USPS. 
Attempt to transfer the government fund using my old social security card and Underwriting Formal Disclosure notarized by XXXX XXXX on XXXX2017 with PNC Bank located on XXXX XXXX XXXX XXXX, XXXX, VA XXXX to advance funding for unauthorized use of XXXX XXXX VA tag XXXX and purchase of condominium with the XXXX XXXX XXXX XXXX located in XXXX, VA, XXXX XXXX XXXX ( attempting to purchase properties between {$26000.00} to {$250000.00} ), and XXXX ( attempting to purchase properties between {$95000.00} to {$160000.00} ). Also, she is assisting the builder of the XXXX XXXX XXXX XXXX to sell homes and pocket {$550000.00} with the purchase of two {$400000.00} homes based on Commercial Liability Insurance with XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX with a total value of {$800000.00}. Realtors that I have been communicating with are stating that the properties I am interested in are under contract. However, they are using my information, funding, and creation of fraudulent documents to purchase properties which is against the law and a premise for a stolen identity lawsuit. Business License Fraud with the City of XXXX  Commissioner of Revenue with XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation