milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-04-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (NC).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: Case number XXXX is being referenced as prior complaint with your agency regarding the same company Synchrony Bank and TJX Rewards card which you say is closed. However, there was no resolution to this problem by the company. This company continues to harass me because I order pet medications from XXXX XXXX XXXX. I placed an order over the phone yesterday for {$240.00} and almost immediately got a call from Synchrony which I returned. I wanted to know what their problem was because this had already been discussed with a supervisor when I filed the above named case about the same matter. Synchrony denied my purchase with XXXX XXXX XXXX. I have a number of past credit card statements where I have purchased this over and over and it was not denied. I have never been late, always pay my entire balance on the card. You people did not do anything for me before so what are you going to do about it now because it is a forever problem. I have a right to use my credit card to buy what I want within the limits of my card. No other bank does this when I make a purchase. I have a credit score of XXXX and these people are idiots. I do n't understand why you let them get away with this. I am furious!

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 10/27/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Midland Financial ( Case number : XXXX ) stated they were closing the account on XX/XX/2016 and as of today they have not closed or advised credit bureaus. This still shows on all three credit bureaus. They need to follow through and close it as they stated they would.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2016 about Bank account or service (Checking account) with HUNTINGTON NATIONAL BANK, THE (PA).
Issue: Deposits and withdrawals

Complaint: I opened up an account at Huntington Bank at XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX. 

I deposited over XXXX in the form of a check and they keep placing holds on the money over the standard period for no real reason. I came in to get XXXX and was denied 7 days after I deposited the money. I asked them to contact management and the women did not get anyone and made a fake phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Debt collection (Private student loan debt) with AES/PHEAA (CO).
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Call multiple times a day multiple times a week, most days starting at XXXX MST. I have reached out to them through their website for a payment plan with no response. I have these debts because AES and The National Collegiate trust refused to work with me on payments so I paid what I could until they defaulted ( I now have two loans at XXXX, XXXX XXXX XXXX XXXX, XXXX ). Please stop calling and harassing me early in the morning and multiple times a week. I know the issue and I reached out to you with what I can pay, and that 's all I can pay. Calling me multiple times a day and week about either loan will not increase The amount I can pay. I have always wanted to pay these loans and still want to pay them, It just needs to be within my budget because I ca n't pay anyone what I do n't physically have. I do n't have any assets to sell to pay or else that would have already been done, these loans have taken everything from me, any chance of owning anything is gone. My mental peace is gone. The best way to reach me is through email as I live in the mountains and the chances of any call I answer being dropped shortly after answering are high.

Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2016 about Debt collection (Credit card) with Financial Credit Service, Inc. (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: ARA Inc. called claiming to be collecting a debt from 2005. They claimed to have mailed me documentation and were threatening to sue me and report my unpaid credit card debt to damage my credit. I explained the account in question was not mine and I never received and information from them. They continued to transfer me between each other and very aggressively continue to threaten to sue me unless I agreed to pay. When I hung up with them I was able to look them up with the XXXX and learned they had over XXXX complaints filed against them for their tactics. I also looked up California laws which not only state the statue of limitations for collecting debt to be 4 years, it is now over 11 years since the alleged debt, but they must legally mention that they can not force me to pay or report it because of expired statutes of limitations. Not only did they not mention that, but they illegally threatened to sue and report the debt to ruin my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2017 about Debt collection (I do not know) with Voss & Klein, LLC (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On XXXX XXXX XXXX I received a letter dated on XXXX XXXX XXXX Voss and Klein LLC for a debt that I do not know anything about. Their client is XXXX XXXX XXXX XXXX which they were the property managers of the old address that I used to reside. I had to answer to court and I paid all that was owed to the clerk of courts. I left that property in great condition and I moved elsewhere. There I received this harassing letter months later that I was supposed to pay off within XXXX XXXX XXXX. There is no way possible I owe that much money because I am an honest person.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2015 about Consumer Loan (Installment loan) with POPULAR BANK (DE).
Issue: Problems when you are unable to pay

Complaint: I tried several times to change my loan 's direct payment from the Popular Community Bank account that I could no longer deposit money to because I moved out of the state of XXXX where they are located, to a new bank account I opened in XXXX Bank. After a XXXX of unsuccessful attempts following the different directions a got from PCB 's personnel, I started receiving several calls a day from different phone numbers. Most of the time they called during the day when I 'm at work unable to pick up my cellphone. Then, a couple of days after that, they started calling my boyfriend, his dad, his grandmother and some roommate I had a year ago when I lived in XXXX. The calls got consistently annoying to me, and everyone else they called. I already paid the debt through the phone, and there is no payment due that is late, but they keep calling.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (KS).
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: XX/XX/XXXX and Equifax are incorrectly reporting a State Tax Lien.

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2015 about Credit card () with WELLS FARGO & COMPANY (MD).
Issue: APR or interest rate

Complaint: I am contacting you in regards to my Wells Fargo Credit Card, I have contacted wells fargo XXXX times in reference to getting a lower interest rate on my credit card, they state that they do n't negotiate the rate at this time but they are unable to provide any further information in regards to this. This also are having trouble producing the terms and conditions that i " signed '. I would have never committed myself to something with an interest rate of XXXX prime. After calling wells fargo customer service and executive office i have gotten no where in fact the last rep hung up on me. I have been keeping detailed names of everyone that i have talked to and am shocked at the level of customer service provided by the reps. It seems like they are doing something shaddy to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2016 about Mortgage (Conventional fixed mortgage) with CARDINAL FINANCIAL COMPANY (VA).
Issue: Settlement process and costs

Complaint: Sebonic Financial XXXX NC, person in charge of the process is XXXX XXXX, but further issues arose when the file was transferred to person listed on the mortage documents, XXXX XXXX. 

This involves misleading and failing to make sure that my XXXX XXXX XXXX mother was aware of the reaons they repeadly raised issues with the process even after they got to a closing date last week. She showed up to sign the papers and they introduced a provision that she had asked about concerning the persons required to be present to close the loan. 

On her behalf as her son I have taken this matter up because it has become a situation that one could characterize as taking advantage of a person who is simply overwrought with the misteps and the company 's failure to answer so many of the questions she has posed. 

The last of which being who needs to sign the closing documents. 
In anticipation of such an outcome, all correspondance is in writng via emals but to go one further would take hours. 

I have been told that I would hear via phone from the supervisor but as of this time no one has called. 
with that in mind I determined who runs the company and left messages with the CEO XXXX XXXX XXXX, the COO XXXX XXXX XXXX and the head of productions XXXX XXXX XXXX at this time the damages she is incurring accrue daily and I hope that this action with you will cause them to address the matter with the proper diligence. 
This is an XXXX XXXX in XXXX and she owes no one any money and is as much of a great citizen and since her retirment and an extrordinary public servant in her role as XXXX XXXX and through the establishment of a first of its kind performing arts center in the community in which she has resided for more than 30 years. 

People like her deserve your help and the advocacy that only the AG 's office can provide.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2017 about Student loan (Federal student loan servicing) with ACS Education Services (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My original loan was around XXXX I made XXXX repayments in the amount {$5000.00} and XXXX prepayments of {$2500.00} totaling {$20000.00}. I did not make any monthly payment during the prepaid period. I made these payments XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX and XXXX XXXX, XXXX. Prior to making these payments, I was paying my monthly payment of {$230.00}. Now, ACS Education who is my loan service say my payoff amount is XXXX because of the interest that accrued during prepayment months.

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: XXXX refuses to remove a 30 day late from my credit report even though I have shown a copy of my bank statement showing they were paid on time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2016 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Several years ago, I went to purchase a car. When the finance department tried to pull my credit from Equifax , they told me that I " had no credit. '' Upon further investigation, Equifax discovered that the last number of my Social Security ( SSN ) number was off by one digit. I sent the requested information to Equifax to have my SSN corrected and thought the problem had been resolved. I went to purchase another car recently and encountered the exact same issue with Equifax. I researched and found out that although my SSN had been corrected, my birth date was incorrect. Using the information I had sent them previously, they were able to confirm and update my birthdate. At this point, all my information should be correct. The problem is that Equifax informed me that they will not add any past credit information onto my file even though I 've had credit and a score for several years based upon XXXX and XXXX XXXX credit reports. I asked to speak to a supervisor who also informed me that there was nothing they could do to add my past credit history and that I would technically " have to start over '' with Equifax ( even though it was not my error ). I attempted to obtain the name of the supervisor I spoke with ; however, they were unable to provide me with that information. I also went to see a financial counselor at my base and she was not able to retrieve my Equifax report either.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2015 about Mortgage (Conventional fixed mortgage) with MORGAN STANLEY & CO. LLC (CA).
Issue: Credit decision / Underwriting

Complaint: To whom it may concern, To those that follow the markets you might know that XXXX interest rates will rise over the next few years. But if you 're not aware of financial trends, a 1 year adjustable mortgage might sound tempting but it is utterly foolish since such a mortgage will only get more expensive over the next few years. Hence my surprise when XXXX sent me offer to swap my 30 year fixed rate mortgage for a 1 year adjustable mortgage based on the XXXX. Are we going to get into the same mess that brought ruin to both XXXX XXXX and XXXX XXXX XXXX years ago? Why is XXXX offering products that they know are not in the best interests of consumers? Please ask XXXX why they think this is a good offer? Why are they not offering me a 30 year fixed mortgage refinance?

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2017 about Credit card () with WELLS FARGO & COMPANY (PA).
Issue: APR or interest rate

Complaint: In XX/XX/2013 my wife and I went to the local Wells Fargo bank to open a checking account after moving back into the area.After going thru the registration process with the checking acc., the young lady representing the bank mentioned their crediet card set up and its benefits, one of which was overdraft protection and a 0 % promotion rate. We agreed to add that on mainly for the overdraft protection. As i mentioned we had moved back to the area after purchasing my parents home. this was done 3 months prior to the Wells Fargo bank visit.It should be noted that we purchased the home with a 15 yr. fixed mortgage at 2.62 %. My wife handles all the bill paying online. About 5 months after initial checking sign up, my wife developed health issues ( on XXXX now ) and our focus was somewhat divided. It was not till the following XXXX that I opened a billing from Wells Fargo and noticed that we were being charged 26 % interest on our credit card. My credit score during this time span has been in the XXXX-XXXX range.Over the last cpl. yrs I have contacted numerous departments, talked to different levels of employee ranks and have never been able to get a clear or definitive answer as to why a rate that high was applied to our account.I have asked what criteria was used to determine rate, again no clear cut responce. I also have another credit card ( XXXX XXXX ) with a rate half the Wells Fargo rate.After reading all the articles over the last 6-9 months regarding Wells Fargo banks practices I decided to file this complaint to hopefully get some action on this matter. 

Thank You, XXXX P.S. I have asked them to lower the rate to the level it should be each time without any results

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 08/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
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: On or around XX/XX/2017, I submitted documents to Experian and XXXX  showing that I demanded debt validation from XXXX XXXX XXXX XXXX. Experian and XXXX concluded the matter by stating that the collection company claimed to have verified the debt. By law, the bureau and the collection company are suppose to have in their immediate possession, a contract with signatures from original creditor and consumer along with the consumer 's state ID. When the original creditor submitted the new account to the bureaus, they were suppose to provide the contract, application and ID to the bureau so account could be validated when/if it falls into a bad debt. Most original creditors have not provided these required documents to the bureau or collection companies that they sell debts to. Therefore, it is against the law for the bureaus to have these debts on consumer 's credit reports and it is against the law for collection company 's, such as XXXX XXXX XXXX, XXXX, to try to collect on a debt that they have no legal right to collect.

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 09/28/2016 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have disputed several times and Equifax keep saying verified. I have contacted Th Court and said it was an computer error. Also see attached letter stating they did not verify with credit reporting agency, they removed and keep putting back on report

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2017 about Checking or savings account (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (GA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I am unsure as to where to start with this ongoing issue I have been having with USAA. However, it started in  XXXX   2017 . On the  XXXX , I noticed some fraudulent activity with my Checking account and filed a fraud case and had my bank card suspended and replaced. The bank told me on or about  XXXX   XXXX  or  XXXX  that they were no longer conducting business with me and that the fraud case would take up to 75 days and that my funds would be available to me after the case was over.     The end of  XXXX  I realized that my  XXXX  check had already been sent to USAA and I spoke to them on that day (  XXXX   XXXX  ) and the  XXXX  of  XXXX  to try and figure out what I could do as far as the funds of my check. I was informed that I was to wait  60 c alendar days.     I called last week,  XXXX   XXXX , and was asked to call back on the following Monday,  XXXX   XXXX . I called again and was asked if it would be okay that they call me back with a resolution, when and if found. I accepted. I did receive an email the beginning of  XXXX   (  the  XXXX  to be exact ), that the Fraud case had been resolved and nothing on my part to do because the transactions were not mine.     Today,  XXXX   XXXX , I received a letter in the mail that my 'USAA  Federal Savings Ba nk Accou nt ', bei ng the Checking Account #  XXXX  was being closed as of the date of the letter,  XXXX   XXXX ,  2017 . I have been calling  XXXX  and then in  XXXX  about my funds sent from  Veterans Affairs and whether they can send me my money to my new banking account or not and  am still awaiting an answer.     With the letter, I continue to be told to call if any questions. Up until now there is no resolving this issue with the bank 's customer service because the run-around does not stop with them but only continues after being placed on hold for ab out 15 minutes at  the least, each time, at least once.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX # XXXX and XXXX XXXX # XXXX were not properly investigated and I was not given ANY proof or evidence of any reinvestigation that resulted in these items being verified. They are not verifiable and are still inaccurate and contain incorrect information within the reporting. Transunion should not be allowed to report them to my file as the inaccuracies are affecting me financially. I requested absolutely any evidence to be shared with me regarding their investigative duties and i fear that nothing was ever done to properly verify these items because they remain incorrect and i still have not received any documentation or procedures to show any sign of a reinvestigation. I have contacted the furnishers and they have assured me that no one has contacted them to conduct a reinvestigation on the accuracy or completeness of these XXXX accounts. i have spent so much money corresponding with them via certified mail and they continue to give me no answer and no proof. please help me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2016 about Mortgage (FHA mortgage) with Seterus, Inc. (IA).
Issue: Loan servicing, payments, escrow account

Complaint: I 've been challenging the balance in my closed escrow account. I received a letter stating there is no money in the escrow account. Per previous statements there should be {$620.00}. They need to account for this money

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with PHH Mortgage Services Corporation (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I purchased a home in XXXX XXXX in XXXX XXXX. In XXXX I asked that my mortgage company escrow my real estate taxes. My monthly payment was {$3300.00}. At the end of XXXX XXXX, I received a call saying my mortgage account was past due. I have my bank automatically pay the amount due every month. Apparently the escrow amount went up and caused my monthly payment to increase. I asked what the issue was and I was told that taxes had increased. I knew this to be untrue. Then they told me that before taxes were only paid once a year and now they taxed me twice a year. This was also untrue because LA always charged taxes twice per year. After 45 minutes on the phone, I learned that the escrow calculation was grossly inaccurate and now I 'm paying double for the next year - almost {$1000.00} more per month. This company 's procedures are inadequate, cause economic hardship to consumers, and the company 's customer support and inadequately trained and deceptive to consumers.

Company response to consumer: Closed with explanation