milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-10-2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (NY).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: On a cold XX/XX/XXXX, the most dreaded thing that could happen when it comes to heating happened, the furnace malfunctioned, failed, and set off the carbon monoxide detector. Being right after the holiday funds were low and I contacted many different companies for help. The only company open was XXXX XXXX XXXX ( local ) and the well known XXXX XXXX. XXXX XXXX actually outsourced their work to XXXX XXXX XXXX as they have no actual furnace repair team that works at XXXX XXXX. I know this now but this is where the confusion began. I had been paying about {$100.00} a month since then however recently something went wrong and it has taken me months to unravel. When I purchased the furnace from XXXX XXXX XXXX they opened a credit line separate from my already established XXXX XXXX credit line. I know this now nearly 2.5 years later. That credit line did not say XXXX XXXX  XXXX but XXXX XXXX XXXX which made me think that is was just a major HVAC purchase under my XXXX XXXX account. When the balance increased I knew something was n't right and I realize this has nothing to do with XXXX XXXX  or XXXX XXXX XXXX for that matter but a credit line with Synchrony Bank that was used to pay XXXX XXXX XXXX. Initially when I realized this was a completely different credit line I immediately reached out to a law office thinking someone opened a credit line in my name, with investigation I unraveled the truth. In the meantime I have been slammed with over {$900.00} in deferred interest and late charges. Some suggested that even that in itself seems predatory but I am writing as a thankful customer, appreciative because without this I could very well be homeless or worse so I thank you Synchrony Bank but please consider waiving the deferred interest and fees and I will pay this off 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 monetary relief
Consumer complaint received 04/22/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (LA).
Issue: Loan servicing, payments, escrow account

Complaint: I did not receive anything from Ditech last month. I had my billpay set up for mortgages and they sent out on XXXX XXXX, 2016. Apparently, Ditech updated its computer system for the XXXX week of XXXX. I could not even log in to my account. In addition, Ditech changed all of my account numbers and despite receiving the billpay checks, Ditech " rejected '' payments for XXXX mortgages for ( new ) account numbers. Then, Ditech assessed illegal late fees for each account and proceeded to harrass me by calling me 3 or 4 times a day demanding payment despite the fact they received billpay checks on time. The checks had the old account numbers before XXXX XXXX, 2016. I paid all XXXX over the phone, then XXXX of the XXXX billpays were finally cashed on XX/XX/2016 and it does, in fact, state that the check was sent on the XXXX of XXXX. I had to cancel the payments over the phone because they were essentially double payments. Since then, I made sure every account is current, even making payments a second time for the month of XXXX for XXXX accounts, which billpay checks are being retained by Ditech, but not cashing them. The representatives I spoke with stated that I would be credited back the late fees. However, this has not happened. All I get over the phone is transfers to full VM 's or I leave a message to be not returned. Further, their " new system and website '' keeps kicking me out. Please CREDIT me with the illegal late fees and TELL ME what you are going to do with the XXXX remaining bill pay checks.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2016 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (VA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Over the last several years Portfolio Recovery has called me no less that 5 times a day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-06-2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I report fraud and there was negative items in my credit report, XXXX and XXXX delete most of these items but Experian never delete any of these items and not allowing me to disputing it any more.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Debt collection (Medical debt) with CCS Financial Services, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: The company XXXX XXXX XXXX XXXX mailed me a medical collection bill on XXXX XXXX behalf for the amount of {$220.00} on XX/XX/XXXX. on XX/XX/XXXX I called CCS and successfully completed the payment for above referenced amount in full. 
I expected to get a receipt of some sort reflecting the debt was paid in full and how much had been paid for insurance purposes but after a couple of weeks I never received anything, to this date, I have spent countless hours between CCS and XXXX, called CCS in more then 6 different times and spoken with supervisors as well, asking for a receipt, they kept referring me back to the website, however after attempting the website early on the request for a receipt, the website will NOT reflect the amount that was paid at all, it will only reflect I do n't owe CCS anything which is not what my insurance needs, a receipt with amounts paid. What is more concerning, is the fact that XXXX XXXX can not find ANY credits on my name from a collections accounts after XX/XX/XXXX, which makes me think CCs is pocketing the money and not reporting appropriately. 
To make matters worse, this medical debt was paid with my Flexible spending account, which requires to substantiate with receipts, to this point given the fact this company CCS is not producing documentation showing the amount paid, my FSA card has been suspended until either I repay FSA or produce a valid receipt, and I am not able to pay for my medical expenses for me or my family 's, if I choose to repay FSA, I will be paying for this debt TWICE pretty much. 
In no way I am trying to throw XXXX XXXX under the bus on this complaint, I owed them money and I paid it, or so I was led to believe by CCS. 
Please help.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2015 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (FL).
Issue: Making/receiving payments, sending money

Complaint: The USAA Federal Savings Bank stopped providing me with a " completed payment '' list on accounts processed through their USAA web billpay service displayed under the " Recent Payment Activity '' window. All pending payments, including the non-USAA accounts are listed, but the completed payments lists only the USAA accounts. The non-USAA accounts are not listed. The USAA web billpay service deducts payments from my USAA checking account. The failure to list all completed payments does not allow me to track all of my checking account expenditures accurately. This problem has persisted for over two months. I have made several phone calls to USAA to correct this problem. I have spent inordinate amounts of time waiting on the phone to talk with representatives only to receive trouble tickets that go unresolved or are ignored. I have not received any follow-up phone calls, emails or letters from USAA representatives regarding this issue. Trouble tickets issued : # XXXX, # XXXX, # XXXX, # XXXX ... From XXXX/XXXX/2015 through XXXX/XXXX/2015

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2017 about Debt collection (Credit card) with CITIBANK, N.A. (MO).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: My ex and I opened this account about 11 years ago. 10 years ago I was out of work for a few months due to an injury. That is when we really started to use the card. Once I went back to work we started paying {$300.00} a month to get the card down which was more than the minimum payment. After 2 years, they changed their terms to a higher interest rate and we refused to pay the higher rate so they closed our account. After that time, we did not receive monthly statements. We knew we still owed on it, so we kept paying {$300.00} a month. 4 1/2 years ago, we got divorced and the judge asked for the balance on this card. I told him I did n't know since we had n't gotten a statement in 4 years and I did n't have a number for their customer service. The judge and the lawyers said that that was highly unusual and I should try to find the number somehow. So I did and they gave me the amount owed which was still about the same amount as what we had originally charged. There was no way that was correct. I told them that I wanted all the statements from those 4 years that they never sent us. They said they could only go back a year so they supposedly sent me those. After the divorce I could n't keep paying the {$300.00} a month so I called them to work something out. I also told them that they still had n't sent me prove that I owed this amount. The guy I spoke with told me they could adjust my payment to {$300.00} a month ... are you kidding me? Someone told me to not pay for a couple months to see if they would settle. So a couple months later I called and talked to someone else. Told them the whole story again, she was very nice and understanding. She said she could get me the missing statements and that they could split the payments with my ex according to the court docs. She gave me the address to send them to. I sent them along with a letter and the number she had given me. Nothing except them calling every day which I would n't answer because they would call my cell while I was at work. My point is, there is no way that we owed the amount they were saying if we were paying over the minimum to begin with. We never received statements, so if the due date changed, we did n't know. The account was closed, so there is no way we were still charging anything. I have not paid anything in 4 years due to the fact that they said they were getting me in the information that I requested and they have n't. So now they have charged me late charges and interest and are now threatening me with a lawsuit. All I wanted was proof that I owed the amount that they stated at the beginning. They have tried to offer me a settlement now, but I do n't even think I owe as much as that.

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 06/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (VA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: Opened a few investigations in negative credit reporting o f ninety d ays late. Response from loan servicer only responds stating " information reported was accurate, borrower did not request forbearance until  XXXX   XXXX ,   XXXX   ' This in absolutely NO WAY provides a response to the information presented. I understand that forbearance was not requested until  XXXX  because I had no clue that I was in repayment until  XXXX . The statements were being sent to the  XXXX  University email address that I no longer had access to. Not being properly notified of a statement, especially when the repayment first begins is a valid reason for correction with all   XXXX   credit bureaus.     I could not have put my account on e-statements because I just created an account with fedloanservicing. org in  XXXX . The issue is that if I had been made aware of the repayment start in a manner accessible to me, I would never have needed forbearance. Continuing to deny and stating the information is accurate is not providing a response to the issue that caused the problem and the agency refuses to correct their mistake.

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 12/31/2015 about Credit card () with PAYPAL HOLDINGS INC. (NY).
Issue: Unsolicited issuance of credit card

Complaint: Victim of the PayPal credit scam. Found the evidence on my credit report as an inquiry. I had no intent of applying for credit and due to certain obscuring tactics, PayPal initiated a credit inquiry without my consent or digital signature. My credit report shows I have no credit score because I stopped using credit 5 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2015 about Debt collection (Payday loan) with Solutions To Portfolios, LLC (TN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Initially this was a payday loan gone bad. It was sent to debt collector who then sold it to the STP Management Group/TX. XXXX XXXX really has a way with her words and how she has made it up in her mind to get money by any means necessary. I have set up payment arrangements at the end of each month and have made those payments. She insists that because od the upcoming holidays, the end of the month DOES NOT WORK FOR HER!!! And that she will not accept late payments period. What??? Is this lady pocketing the money or what? Are they on some kind of commission for how many they harass and get money from? Is this money really going toward paying off the debt ( which I acknowledge )? Is this a legit debt collection agency? Calling my place of employment really crosses the line ... .I NEED YOUR HELP!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2017 about Debt collection (Medical debt) with WAKEFIELD & ASSOCIATES, INC. (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: As I gathered information to give to the STATE 'S ATTORNEY GENERAL. I did a search for XXXX XXXX XXXX license. I have found they are in direct violation of TENNESSEE FAIR DEBT COLLECTION PRACTICES ACT 62-20-101. XXXX XXXX XXXX does not have a VALID license in the state of TENNESSEE. Their license expired in XXXX XXXX, 2016. They can not collect on a debt. TENNESSEE FAIR DEBT COLLECTION PRACTICES ACT 62-20-105 states no person shall commence, conduct or operate any collection service business in this state unless such person holds a valid collection service license issued by the board under this chapter, or prior stat law. TENNESSEE FAIR DEBT COLLECTION PRACTICES ACT 62-20-108 ( a ) ( 1 )  Every collection service shall have, for each location at which it conducts business a location manager who has submitted an application on a form prescribed by the board. TENNESSEE FAIR DEBT COLLECTION PRACTICES ACT 62-20-123 states a willful violation of this chapter, or any rule lawfully promulgated thereunder, is a Class C misdemeanor. XXXX XXXX XXXX is in direct violation. This will be the last communication I send before sending my evidence to the STATE 'S ATTORNEY GENERAL OFFICE.

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 01-05-2018 about Mortgage (Conventional home mortgage) with ARVEST BANK GROUP, INC. (CA).
Issue: Trouble during payment process

Complaint: I have been making impound payments for taxes and insurance since XXXX. My house insurance policy for XXXX/XXXX/XXXX to XXXX/XXXX/XXXX should have been paid from the impound account but has not been paid as of today XXXX/XXXX/XXXX. 

In XXXX XXXX I received a call that my insurance premium payment due before XXXX/XXXX/XXXX for the following year XXXX. I called Arvest Central Mortgage several times in XXXX XXXX and again on XXXX/XXXX/XXXX. Each time, I was assured that the " check was in the mail. '' But I just called ( XXXX XXXX ) XXXX XXXX XXXX and payment had not been received. 

I had to make an emergency credit card for 30 % with the promise of a refund when payment was received from Arvest Central Mortgage. 

I have not received any notice from Arvest Central Mortgage regarding the status of my home insurance in XXXX XXXX or XXXX XXXX. How is this possible since home insurance is required under the loan documents? Something is very very wrong and I can not get any answers from Arvest Central Mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2016 about Bank account or service ((CD) Certificate of deposit) with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Account opening, closing, or management

Complaint: Capital One 360 has short changed us.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Vehicle loan or lease (Loan) with UNITED SERVICES AUTOMOBILE ASSOCIATION (OH).
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint: In XX/XX/XXXX, USAA issued me a Form XXXX in the amount of {$2400.00}, in which they relinquished their rights to collect on a default loan against a XXXX XXXX XXXX. In XX/XX/XXXX, I paid taxes on the Form XXXX. When I contact USAA to request the title for the vehicle I was told that, even though they voluntarily give up the right to collect against the loan, they would not send me the title. USAA claims they still have a interest in the vehicle, even though I 've paid the taxes and that a new Form XXXX would not be amended even if I paid any amount towards the vehicle. <P/>I feel that the lien on the title should be released and issued to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2017 about Debt collection (Medical debt) with GLA Collection Company, Inc. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: i recently did a free credit report when i noticed a derogatory mark from XXXX XXXX. I am not aware about this debt of XXXX dated XXXX of XXXX. I sent a letter to the company asking about what debt they where trying to collect, but in response XXXX XXXX stated i owed the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2017 about Payday loan, title loan, or personal loan (Installment loan) with Kashia Services (FL).
Issue: Problem when making payments

Complaint: I took out a loan with Inbox loans awhile back and it 's getting harder for me to pay back the loan on a weekly basis I have XXXX kids and a wife we are barely makIng it and struggling to buy food for home, we do n't meet the criteria for food stamps according to them I make too much ( they base it off of my gross as to which I do n't bring that home ) for XXXX loan we did n't think we would get hit with XXXX interest. As we speak my rent is due and car Payment and looks like we will in the negative when we do these not to mention next week inbox loans will be deducting there XXXX again. Also I ca n't access my schedule payments list or log into inbox loans to see my agreement either. It asks for email and last 4 of social security number and I keep entering it but not see either the contract nor my payment deduction schedule. I used my wife 's email as I do n't remember my log in crediantals

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2016 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am not responsible for this debt, responsible party assumed debt in divorce agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX XXXX is reporting that I was late XX/XX/2016, this reporting is not correct. I have tried disputing it with the major bureaus as well.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2017 about Debt collection (Auto debt) with BB&T CORPORATION (VA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Payment date changed by 3 days as well as despite paying for over a year. If the interest rate was lower then payments would not be a problem. But they will call me 4 or 5 times a day on two different numbers. That 's 10 calls a day. And if I answer and as to call back because I 'm at work they threatened to reposes vehicle if I hang up.

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 01/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XX/XX/2016 & XX/XX/2016 there was at least 12 inquiries from a vehicle loan that I didnt authorize. I have followed up with Transunion and XXXX  and even placed an identify fraud alert on my account. I also stated to them that my drivers license were duplicated at my local dmv. I had a fraud placed on my account at that time as well.Im only asking to remove the inquiries from my credit report in the month of XX/XX/XXXX and XX/XX/2016. With those inquiries on my credit report it is making it difficult to obtain credit. There is probably a total of 12 inquiries in those months. Please investigate and properly remove from credit report.

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