milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-03-2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (NV).
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: Your company Synchrony Bank, Care Credit did not communicate with all three credit bureaus within 30 days of receiving any of the two letters sent to you that the item in question was in dispute as per the Fair Credit Reporting Act. As proven by my most recent credit report from all three credit bureaus.
I have disputed a debt and you have failed to report it as disputed with the credit bureaus.
Protection under the Fair Credit Reporting Act. ( FCRA 623 ) If a consumer notifies a furnisher, at an address specified for the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. Section 623 ( a ) ( 1 ) ( B ).
If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that
information to a CRA without providing notice of the dispute. This identified by an informational line about the dispute added in the comment section of the item on the credit report. Section 623 ( a ) ( 3 ).
Furnishers must comply with federal regulations that identify when an information furnisher must investigate a dispute made directly to the furnisher by a consumer. Under these regulations, furnishers must complete an investigation within 30 days ( or 45 days, if the consumer later provides relevant additional information ).

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 07/31/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Green Tree claims that there is not proper hazard insurance on the property located at XXXX XXXX XXXX XXXX, OH XXXX. Please see attached letter. 
I spoke with Green Tree on XX/XX/XXXX regarding a letter dated XX/XX/XXXX. Green Tree claimed there was no insurance on the property since XX/XX/XXXX. We agreed to have the insurance agent contact Green Tree and that the renewal billing was not going to be available until the first part of XX/XX/XXXX as coverage was in force until XX/XX/XXXX 
Green Tree called the insurance agent on XX/XX/XXXX to verify the information. 
Another letter was received dated XX/XX/XXXX again claiming no hazard coverage. 
The insurance agent faxed the insurance bill to Green Tree on XX/XX/XXXX. 
XX/XX/XXXX the attached letter was received. This letter dated XX/XX/XXXX states again no hazard coverage and that I will be liable for any coverage Green Tree purchases. 
On XX/XX/XXXX I spoke with XXXX at Green Tree who stated they did get the bill, but it is not being paid as there was information missing. XXXX requested that the insurance agent call Green Tree direct. This happened within the hour. According to the insurance agent, 5 letters were missing on the declaration page, but they were told this would not hold up premium payment. 
I called Green Tree back to follow-up. XXXX took my call, did nothing and transferred me without notice to XXXX. XXXX stated they had no record of a premium bill or coverage. This was totally incorrect. I stated the facts and XXXX claimed he talked with the insurance agent and expedited the premium payment on XX/XX/XXXX. 
No online entry in noted on the account as of today.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-11-2017 about Consumer Loan (Installment loan) with BANK OF THE WEST (TX).
Issue: Managing the loan or lease

Complaint: Bank of the west financed my boat for fifteen years during the first five years at XXXX XXXX they had a promotion to extend a payment for fifteen dollars I took advantage of this for five years .I paid off the loan including the five extra payments, then, I was told I still owed XXXX more for interest on those promotions.i complained but to no avail so I continued to make three more payments before I found out they reported my loan a write off to the credit bureau.I turned this over to a law firm they are writing a letter stating deseptive trade.the law firm advised me to turn this in to you .please advise me of what else I can do to get my titles on the boat and motor and clear my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
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 joined XXXXXXXX XXXX XXXX in XX/XX/XXXX on XX/XX/XXXX. When my contract expired, one year later, I contacted management of my intention to cancel my membership. I was told that I needed to follow their cancellation policy stated on my contract. 

Their membership policy requires Certified Mail, receipt requested notification. I sent them a certified letter of my intent to cancel my membership immediately on XX/XX/XXXX. I have signed proof that they received my request, dated XX/XX/XXXX Phone calls and E Mails that I have made netted no results, their billing continues. 

XXXX XXXX XXXX continues to charge my credit card a bi monthly charge of {$20.00}. I've disputed this charge with my bank. I cancelled my credit card as well. Somehow, XXXXXXXX XXXX XXXX has been able to charge my newly issued credit card for the bi monthly dues. I have not authorized them to make any charges to my account. Nor, do I receive or use their facilities. 

I hope you can help resolve this issue. 

Thanking you in advance. 

XXXX XXXX XXXX XXXX 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 monetary relief
Consumer complaint received 07-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: This complaint will envolve Transunion credit bureau, The USPatriot Act of 2005 and numerous credit reporting agencys that have ruiened consumers to get financing due to personal info being shared by any business, credit reporting agencys, Federal banks and anyone who wants to pull someones info in their personal credit file without their authorization .This is unfair and fraudulent activities of the credit reporting agencys and Transunion to release information to anyone who asks for it. Idenity theft of all these credit reporting agencys and the USPatroitAct of 2005 put in by President Bush. I will be attaching numerous credit reports also XXXX XXXX regecting me a bank account due to inaccuracy and Fraud being released by these bureaus and I have nothing in there to be denied a checking or savings account. And also I want this sent to the US Congress a complete revision of the patriot act on behalf of the consumers. We only need 1 credit bureau

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 05-06-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Talbot, Adams, & Moore, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I noticed several duplicated collection accounts on my credit from Tablot, Adams and Moore, a collection agency that is not bonded to collect in my state. I sent for validation several times and they never answered me. They are in violation of SEC 809B OF THE FDCPA. THEY NEVER SENT ME MAIL STATING THAT THEY ARE PUTTING ANYTHING ON MY CREDIT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On XX/XX/XXXX it came to light that the Equifax Credit Bureau suffered a security breach in XX/XX/XXXX which allowed attackers to access the " names, Social Security numbers, birth dates, addresses and drivers license numbers '' of potentially 143 million customers of the credit agency. In addition, " Credit card numbers for about 209,000 consumers were also accessed. '' My personal information ( and possibly that of 143 million others ) has been compromised due to the mishandling of said information by Equifax. This is unacceptable and should have never been allowed to occur on such a scale.

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2018 about Mortgage (Conventional home mortgage) with Shellpoint Partners, LLC (CA).
Issue: Trouble during payment process

Complaint: Ive paid my payments on auto pay each month to Shellpoint But I get a notice that my account is past due by 3+ months yet my bank account shows debits fpr payments to the servicer. I log on to the servicer account and see a whole host of unapplied payments that look to be the cause of the issue. I also paid them to catch up an escrow payment and they did not apply that and continue to show escrow as still due. They are robbing me of my money despite payments made regularly, not applying it at all or delayed, and then sending me notice that Im late and implying extra fees to catch it up. Its extortion and theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Debt collection (Federal student loan debt) with Navient Solutions, LLC. (VA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Graduated from XXXX XXXX XX/XX/XXXX. 
Received notification from XXXX XXXX ( third party lender for books/supplies/software NOT tuition ) I am a Veteran - gain college degree via Post XXXX GI BILL. 
For 2 years - XX/XX/XXXX-XX/XX/XXXX went back and forth speaking with the school and XXXX XXXX and could not get a straight answer as to how I owe XXXX $ in Federal Student Loans? 

Lived on and came across Navient looking to collect same debt, then again a year later XXXX looking to obtain this obscene amount of money. 

Sent message today to complain to FSA. 



After graduation, I have battled back and forth with, at the time was XXXX XXXX, third party that provided loans for books/ supplies/software. XXXX XXXX showed an astronomical amount I owed ( 20 plus thousand dollars. ). I Contacted the school and XXXX XXXX numerous times to explain how this is possible. My tuition was covered under my Post XX/XX/XXXX GI Bill. Because I could not get an answer to this amount owed, what it was used for, etc. I chose to carry on with life as best I could at that time. Only response was " You need to contact the school and they should be able to tell you what they used that money for .... '' Time went by and I got a piece of mail from Navient ( which used to be XXXX XXXX ...? ) stating about the XXXX XXXX I owe in " Federal Student Loans '' and need to arrange payments. I was not up to the level of stress this was going to bring. I later came to speak with them, addressing my concerns and they opted for my account to go into forbearance I believe. Currently today XXXX is who has contacted me to start paying. I am speechless on these actions for this high amount to be paid by a Veteran that used his Post XX/XX/XXXX Bill for college tuition to better my abilities but am threatened by this amount to pay. 



XXXX XXXX XXXX Your case has been submitted! Your case number is XXXX. 
Thank you for submitting your feedback. We will respond and acknowledge receipt of your feedback within the next 15 days.

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (ND).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: I am a victim of identity theft and someone compromised my Bank of America checking and savings account. I have filed numerous complaints with Bank of America, but they continue to hold me liable for the accounts that was compromised by someone who stole my identity and impersonated me, and made unauthorized and fraudulent transactions on my checking and savings account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 08/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, 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: A few weeks ago I sent your bureau a request by certified mail to investigate items on my credit report which were highly suspect. As per the FCRA I allowed you 30 days to correct my report. However, your company has failed to take any consequential action and continues to maintain a file on my which is grossly inaccurate. The creditors that I called have not been able to verify me, whereas you dubiously claim to have somehow verified these items.

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2016 about Payday loan () with Big Picture Loans, LLC (AZ).
Issue: Charged fees or interest I didn't expect

Complaint: I applied for a payday loan from Big Picture Loans. I was told that I would be paying {$280.00} in fees with the {$800.00} I borrowed. I agreed to those terms. I was told they were having a problem with sending me the paperwork electronically. 

I thought something was strange when an extra payment was taken out but thought maybe I made a mistake on when the first payment was made. When I received a message stating they were going to take another payment, I checked my account an realized they had already taken too much. I went to their website ( https : //www.bigpictureloans.com ) and was able to see the loan document ( attached ). They 're attempting to charge me {$6000.00} for an {$800.00} loan! I 'm a reasonable person and there is no way I would have agreed to that!

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: In my Transunion credit report there is an item about an collection account owned by XXXX. I do not own such an account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2016 about Credit card () with PAYPAL HOLDINGS INC. (WA).
Issue: Other fee

Complaint: I have a XXXX account. I used it online to transfer {$1300.00} to a friend. XXXX advertises that transactions between friends are free. There was no notification of a fee at the time I transferred the money. I was charged {$40.00} for the transaction. I called customer service and they refused to refund the fee saying that my " funding source '' ( my credit union ) was temporarily unavailable due to security issues. They refused to tell what the security issue was. XXXX made the charge to my Paypal credit card, which I NEVER authorized, and then charged the fee.

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2015 about Credit reporting () with Fidelity National Information Services, Inc. (FNIS) (MI).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I filed for Chapter XXXX Bankruptcy and included items listed in Chex Systems in the Bankruptcy. I continue to receive decline notices because of the Chex Systems and the items were discharged today. Please have Chex Systems remove these negative items as I am unable to participate fully in the banking system and the items are improperly reported.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2016 about Mortgage (Conventional fixed mortgage) with CARDINAL FINANCIAL COMPANY (OR).
Issue: Application, originator, mortgage broker

Complaint: Applied for a refinance of my primary residence on XX/XX/2016. Received an auto responder email thanking me for the application. NOTHING since that time. A couple lame emails saying they were escalating my request for info to a manager. NOTHING. I got someone on the phone today and was told that particular loan officer left the company. I 'm quite surprised that they circumvented the regulatory requirement to provide me with disclosures within 3 days after I applied. I cancelled the application as I no longer trust the service going forward. My phone call today at least got my application cancelled - I hope, as I seriously doubt I will get any confirmation via email or in writing.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2018 about Debt collection (Other debt) with EQUIFAX, INC. (NJ).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: CREDIT BUREAU IS IN VIOLATION OF FCRA, METRO 2 COMPLIANCE, LOCAL, STATE AND FEDERAL CONSUMER PROTECTION LAWS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-06-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I have had a XXXX come after me for years for a bill on an old property I once had. I never had XXXX and have sent off necessary disputes to have it removed from my credit file. XXXX will remove the account but months or years later they sell the same collection bil with my information on it to another collection agency and then I have to dispute it again. I have requested a letter from XXXX confirming the debt is not mine. They have agreed to send it to me but have failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (IL).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: On XXXX XXXX 2017, JP Morgan Chase closed all 5 of my credit card accounts without warning, and despite perfect payment history for the entire history of my relationship with Chase. I did not violate any terms of service, did not make any suspicious or unauthorized purchases, and was simply told by the customer service representative that I was determined to be a 'risk ' due to the amount of credit cards from Chase I had. This was despite being recently approved for a new Chase card. I would have certainly preferred Chase decline my application, rather than allow me to be approved, only to go over some unknown thresh hold and terminate my relationship. I attempted to call and appeal the decision, but was brusquely informed that there was no appeals process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/19/2017 about Debt collection (Other debt) with Account Control Technology, Inc. (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Accou nt Control Technology, INC. ACT i s trying to collect a junk debt. This debt also failed validation With another collection agency called  XXXX   XXXX   XXXX , whom failed to provide validation in  XXXX . Moreover, validation was sent today in the mail and ACT failed to respond to my complaint with the Better Business Bureau Complaint ID # :  XXXX . In addition, Account Control Technology called me on  XXXX / XXXX / XXXX  from the number  XXXX  telling me to " make payments '' This also violates the FDCPA ( Fair Debt Collection Practice Act ) by failing to mention offering validation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-12-2016 about Consumer Loan (Installment loan) with SECURITY FINANCE CORP (NM).
Issue: Problems when you are unable to pay

Complaint: I have been going through financial hardship and was placed on a hardship payment program with this loan company. I call them periodically to let them know where I am but have not been able to make a payment for quite some time, working on alternative solutions at this time. Last month they call my ex-husband, not sure where they got his number, looking for me. I called them and told them they were not to call him again and not to call anyone else except me. They called him again this month and are violating my privacy rights in doing so. Unfortunately I ca n't pay what I do n't have even if I would like to but trying to do something soon. They have not reached out to me in writing, should n't that be an alternative rather than violating my privacy?

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 07-02-2015 about Debt collection (Credit card) with CITIBANK, N.A. (TN).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: They repeatedly call my home phone every 1-2 hours after I have already spoken to them on the phone about the account. This morning they called at XXXX. They have violated more than one issue. Besides the constant calling and the call before XXXX, they have threated legal action and called relatives about the account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2015 about Debt collection (Medical) with Eagle Recovery Associates, Inc. (IA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Eagle recovery has called me multiple times on my cell phone and at work saying I owe over XXXX on a bill I 've paid. They have threatened to serve me with papers at my place of employment if I do not pay over the phone. I checked and I do not owe this debt. It has been paid. I told eagle recovery to not call me at work or on my cell again because I do not owe anything. They continue to call.

Company response to consumer: Untimely response