milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-08-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (IL).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: On XXXX XXXX, XXXX my back made an auto pay to XXXX XXXX XXXX XXXX/Synchrony Bank, XXXX XXXX XXXX, XXXX, FL XXXX, in the amount of {$180.00} I will attach a copy of the cleared check. 
On XXXX XXXX, XXXX the check cleared my bank, but my account with XXXX XXXX /Synchrony Bank was still due,. 
On XXXX XXXX, XXXX I received and email from this bank telling me my account still due with late fee interest. I call this bank right the way and told them I made the payment as I mentioned above. They waved the late fee, but my account is still due in the amount of {$180.00} on XXXX XXXX, XXXX. The rep told me to fax them a copy of the cleared check, and it will take up to XXXX to result this. I faxed and confirm the fax went through on XXXX @ XXXX. 
I called to follow up on XXXX/XXXX/XXXX @ XXXX phone # XXXX spoke with a rep name XXXX, he said raised dispute in the case of missing payment. 
On XXXX/XXXX/XXXX I went ahead and paid the {$180.00} so that I wont be late, and counting that they will find my first payment and credit me back. 
On XXXX XXXX I called again spoke with XXXX &  XXXX/supervisor told me refund check will be sent arrive in 5 to 15 days. Two weeks past no check. 
On XXXX XXXX I called again spoke with XXXX stated nothing show of check being sent out. Then I asked to speak with a supervisor, at XXXX XXXX/customer service said will work on credit {$180.00} back to the card with in 5 to 15 days. 
On XXXX two weeks later nothing has been done, @ XXXX I spoke an account manager came on name XXXX said ; on XXXX someone discovered the {$180.00} applied to the wrong account and he will request to putting the $ back into my acc, and will have a resolution on Monday XXXX and XXXX will call me back. Again no one call me back. I called back to find out no one has done anything about it. 
On XXXX I got on chat with this back instead with XXXX XXXX, to find out the same thing nothing been done, some is working on it and will call me back within 48 hours, guess what have not heard from them. 
On XXXX got on chat with them again, chatted with XXXX XXXX and supervisor name XXXX XXXX, told me the same thing again we are investigating it and will get back to you. 
On XXXX at XXXX spoke with XXXX XXXX and XXXX XXXX and then abck to XXXX XXXX XXXX XXXX told me to fax the copy of the check a gain so they can look for this money. This will take another 2 to 3 weeks. 

I still do n't have my $ back after almost 3 months.

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 05/28/2015 about Credit card () with CITIBANK, N.A. (NC).
Issue: Billing disputes

Complaint: We are struggling with a moving company that has several XXXX names who stole all of our belongings and ransomed them back to us after making us sign many documents under threat that they would send our things to auction. We paid an initial portion via a Citi credit card and then the moving company XXXX ) failed to deliver our things on time, XXXX ) failed to deliver all of our belongings, XXXX ) delivered a substantial number of items which were broken beyond use. We called the credit card company to inform them of the fraud and of our dissatisfaction with the goods and services provided by XXXX XXXX XXXX, XXXX in NJ and the representative of Citi Bank told me that they would do an investigation and that they would file things as " over payment '' to ensure that we would have a positive experience. This was our XXXX time contesting any charges and we have followed the advice of the bank 's representatives along the way, but now they are saying that we are fully responsible for the fraudulent charges despite the moving company not performing the job as promised. Now we are getting XXXX on XXXX sides of this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2015 about Debt collection (Payday loan) with CNG FINANCIAL CORPORATION (MI).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: Being accused of check fraud for a payday loan that was n't paid. When the submitted my post dated check it came back as NSF and later when submitted my account was closed by the bank and so therefore they claim I 'm commiting check fraud by a closed bank account and I will face civil charges and go to jail.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2015 about Credit card () with CITIBANK, N.A. (AL).
Issue: Closing/Cancelling account

Complaint: After having been a victim of ID theft, Home Depot Credit ( CITI ) closed my account without authorization, and after reading terms and condtions this is not a disclosed action that they commited. I have been a longstanding client with perfect pay history for over XXXX years. the issue is that this is not something that their terms and conditions disclose can be done, and therefor i would like my account reopened

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2016 about Credit reporting () with Fidelity National Information Services, Inc. (FNIS) (NJ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: This is regarding a reported entry on my Chex system reported that I have disputed on at least 3-4 separate occasions. I received i the mail today a letter from Chex Systems stating that they were not going to remove the reported information from XXXX XXXX XXXX XXXX because it does n't fall within the date that is listed on my credit report. My problem is this same credit union has reported the same information on the same report at least 3 times and they just change the date and the amount. I have disputed this over and over again every since earlier this year. It needs to be removed

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 03/20/2017 about Credit card () with AMERICAN EXPRESS COMPANY (VA).
Issue: Bankruptcy

Complaint: My husband tried to add me as an authorized user on his American Express card. He will be the sole provided for our family and we need a card that I can use in case of emergencies. He uses only his AMEX card for everything. I was denied to be added as an REF : XXXX XXXX due to the fact that I had an unsatisfactory account with them and due to my derogatory record I ca n't be added. This is after I have included this account in my bankruptcy almost 10 years ago. They did n't even mentioned that I included it in my bankruptcy and they transferred me to another representative to " SETTLE '' my account when it was already discharged back in 2008. They kept transferring me to different representative that I gave up and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, 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: I am writing this complaint to all 3 credit reporting bureaus for their absolutely poor investigation into my issue with XXXX 

I wrote a complaint to XXXX and forwarded it to all 3 bureaus in the same complaint and even though XXXX informed me that the 30 day late is going to be REMOVED from my credit profile and even sent me a letter from the president regarding it, all three bureaus claimed that the information was correct and refused to update the derogatory reporting and as a result kept my score low. This was made worse by them reporting in the remarks that the information was FCRA compliant and verified by the company. HOW IS THIS POSSIBLE? THEY REMOVED THE LATE!!!!!!!! 

I HAVE attached the letter that XXXX sent me regarding my complaint. They agreed that the late would be removed and said they would inform your agencies right away. what happened? WHO and HOW was this LIE verified? 

I want the government to see what type of liars these agencies are and how they continue to refuse to do the right THING just so they do n't look wrong. INCORRECT INFORMATION IS INCORRECT INFORMATION! Why fight consumers when there is nothing to argue about? See that you are all fraudulent liars and DO NOT CONDUCT ANY SORT OF investigation! Do you see? 

THIS IS COMPLAINT 1 of many more to come. Because I have been disputing illegal XXXX  XXXX XXXX and XXXX and XXXX XXXX XXXX XXXX accounts on my profile for years and they have always denied to remove it and I felt awful. 
But after this XXXX incident I know for a FACT that Transunion/XXXX and XXXX are a bunch of liars and DO NOT conduct legal or appropriate investigation. I will be filing many more complaints to clear my credit of misinformation!

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My information was mishandled by Experian, myself and millions of other people at risk by their security breach. I am listed as a potential victim according to their XXXX website, and would like a resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2016 about Consumer Loan (Vehicle loan) with STATE FARM BANK, FSB (TX).
Issue: Managing the loan or lease

Complaint: In XXXX 2015, we switched our vehicle insurance to State Farm. I received a phone call from a gentlemen named XXXX a agent, Asking me if I wanted to save money on out auto loan and he could get us a lower rate interest and our auto payment would be lower. We made appointment and I went to speak to him at the branch that week. He quoted me some quotes and I decided to transfer my loan with them, to save money. He set up everything including auto pay, because he said that this would be the only way the bank would approve it, so he did. My first payment was until XXXX. I went back into the branch before XXXX to get a quote for my truck loan and he sold me. I switch over my loan with State Farm. He told me right there in from of everything was set up, including auto pay.Just like he did the car loan. Life went on and on XXXX XXXX, I called XXXX the agent to ask him if the car and insurance went through. He said yes, at the same time I asked him should i call you on XX/XX/XXXX to make sure you get the truck payment. He replied no because everything looked good and the other two payments had gone through. Life went on, I later received a letter for the truck loan, it had n't been paid. I called him, he said he would look into it and I called him everyday about 3 times a day for the next 5 days. He was n't there and finally, i spoke to him and ask him what happened, he said he fixed everything, I told him are you sure, I do n't want this to hit my credit report. He no it wont, just call them and make the payment. I went back to the branch on my day off and XXXX was no longer working there. I went ahead and explained my issue with XXXX. She told me XXXX no longer worked there for this mistakes and he was getting customers upset. She looked through my file and noticed he did n't fill out the paper work correctly and did n't set the auto pay as well. She went ahead and fixed the papers, set the auto payment and the back took my payments for XX/XX/XXXX and XX/XX/XXXX. I told her but what about my credit report? She replied NO it should be good and I will fill out this dispute letter and they should be able to take it off. Well it never happened and this unacceptable. I'am trying to close on a house and I cant because they have n't dropped this case on my report. I will living in the streets with my XXXX mother and father. I called and they give me the run around they cant do anything about it. They are responsible for this, for not setting up my account correctly and now am being punished for it. I need to get this removed from my credit report before, i loose everything, my home am trying to purchase and my home am renting. I'am really upset, I would n't be in this situation if XXXX and XXXX would of fixed it 2 months ago. XXXX admitted of getting the dispute document faxed to her, but it was never filled out and send back. They need to take responsibilty and correct this.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Loan modification,collection,foreclosure

Complaint: I applied for a mortgage modification with my company-Wells Fargo. I believe I am currently in a FORECLOSURE status on my home. I received paperwork advising me that I am approved for the Home Affordable Mortgage Program. The paperwork gives me an offer of " onging '' " trial payments '' for an undisclosed amount of time. Paperwork states that they can not tell me at " this time '' what my actual modified payments will be. How is this a modification? I appealed and stated that I am in total agreement with approval, but can not commit to so-called modification without knowing what my final payments will be. I do understand that I am not in a position to be calling the shots here, given that I am behind on my payments, but I fear that they will take the payments, and then slap me into another predatory, over-inflated interest rate, unaffordable mortgage program. They are giving me no dates as to when these " trial payments '' will end, etc. I understand that they want their money, but I do n't know anyone who would agree to this open-ended agreement.

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 Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: After having a substantial relationship with Bank of America, I got a notice they have decided to close my account and gave me no reason whatsoever. I had  one is sue with a wire transfer which was refused and caused an issue on my account, while I was traveling for a family emergency. The signer on my account had his account effected and him being on my account effected my relationship Upon fixing the issue, I was told my accounts were to be closed including all of my lines of credit, business accounts and personal accounts.     I am an ideal client and maintain substantial balances in the accounts and own and operate recognizable businesses.     There was no reason whatsoever my accounts were closed. I had issues which were addressed and fixed the moment they were brought to my attention. I want to have my relationship back as this is the only bank which operates in all the states we do business.

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 08-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have disputed this XXXX account in collections for the amount of {$2100.00}. XXXX allowed changes to be made to my account fraudulently and without my knowledge or permission. These changes caused me to incur {$2100.00} in fees early termination, equipment and so on. I called in XXXX2015 and they said they would be removed and my account closed and the responsible party would be handled accordingly. I just noticed it reporting negatively XXXX is now saying it was placed in collections and is no longer with them. According to the law I am not responsible for this debt. XXXX says its on the collection company and credit bureaus to remove. I have no contract with XXXX who is currently holding this debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There is incorrect and inaccurate information on my credit report with XXXX, XXXX and Transunion such as a extended 90 days and active Fraud Alerts.
Also there is twenty nine unauthorize hard inquiries on my XXXX, Transunion and XXXX .I am providing the Federal Government a list of all the Unauthorize Hard inquiries on my XXXX, XXXX and Transunion credit reports.
The list are as follow.
1.XXXX Hard Inquiries 1.XXXX.Dated XX/XX/XXXX.XXXX XXXX XXXX.XXXX, Texas.XXXX.XXXX  2.XXXX XXXX XXXXDated XX/XX/XXXX 3.XXXX XXXX XXXX.DatedXX/XX/XXXX.XXXX XXXX XXXX, XXXX, Utah.XXXX.
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- 2.Transunion Hard Inquiries 1XXXX XXXXXXXXDated XX/XX/XXXX 2.XXXX XXXX.DatedXX/XX/XXXX 3.XXXX XXXX XXXX  .Dated, XX/XX/XXXX 4XXXX XXXX XXXX XX/XX/XXXX 5.XXXX XXXX.XX/XX/XXXX 6.XXXX XXXX  XX/XX/XXXX 7.XXXX XXXX.Dated XX/XX/XXXX 8XXXX XXXX.XX/XX/XXXX 9XXXX XXXX XXXX.DatedXX/XX/XXXX 10. XXXX  XX/XX/XXXX-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - 3.XXXX Hard Inquiries 1.XXXX XXXX. Miscellaneous Reporting Agencies .Dated XX/XX/XXXX 2.XXXX .Miscellaneous Reporting Agencies.Dated XX/XX/XXXX3XXXX XXXX XXXX XXXX XXXX.Dated XX/XX/XXXX Telephone Company.I do n't have no services with this company.
4.XXXX XXXX XXXX Dated XX/XX/XXXX 5.XXXX XXXX XXXX.Dated XX/XX/XXXX 6.XXXX XXXX .Dated XX/XX/XXXX 7.XXXX XXXX XXXX.Dated XX/XX/XXXX 8.XXXX XXXX XXXX.Dated XX/XX/XXXX 9.XXXX XXXX XXXX XXXX XXXX.Dated XX/XX/XXXX 10.XXXX.Miscellaneous Reporting Agencies.Dated XX/XX/XXXX 11.XXXX XXXX XXXX.DatedXX/XX/XXXX 12.XXXX XXXX XXXX Dated XX/XX/XXXX 13.XXXX XXXX XXXX XXXX. Dated XX/XX/XXXX 14.XXXX XXXX # XXXX Dated XX/XX/XXXX15.XXXX.Miscellaneous Reporting Agencies.Dated XX/XX/XXXX 16.XXXX XXXX # XXXX.XX/XX/XXXX My credit scores are suffering because of the negatives, collections wordings and collections and inquiries on my credit report with XXXX, Transunion, XXXX.
I am XXXX, XXXX and a Military Veteran.I like to apply for a VA Home Loan, but my scores are not high enough to get a better interest rates.

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 12-02-2016 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (NH).
Issue: Loan servicing, payments, escrow account

Complaint: nationstar mortgage company ( NS ) assumed our motrgage in XX/XX/XXXX and did an escrow analysis. this analysis stated we did not have homeowners insurance and added a monthly charge of {$34.00} for the cost of them paying for and securing insurance. On XX/XX/XXXX I called them upon recieving my monthly statement /mortgage bill and was told there was no insurance on acct and would have to provide insurance voucher and charge would be removed. I faxed insurance coverage and payment information effective XXXX and paid in full for the year ( {$390.00} ). NS acknowledged reciept of fax and stated they would remove after another escrow analysis was complete which would take XXXX15 business days. I called up on a weekly basis until XX/XX/XXXX and nothing was ever done to remove these charges which were accumulating as overdue payments at the rate of XXXX per month. I have been paying the origional mortgage amount but the insurance pmt has not been removed to this date. I should not have to pay for something that has already been disclosed as active, never lapsing and paid for. they stated they had to buy insurance for me but i have never recieved any insurance information from them, carrier, coverage, options etc. I have made 12 calls to NS for a resolution, spent 45 min per call and was promised it would be removed but as of this date it has n't. I do not want my credit to be affected by their inability to retract this fee.

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2016 about Student loan (Non-federal student loan) with AES/PHEAA (CA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I talked to AES ( AMERICAN EDUCATION SERVICES ) a couple weeks ago on the phone about how they can help me with my student loans .When I spoke to them they said they had XXXX payment options to help me. I called them today XXXX/XXXX/16 to set up XXXX of those payment options and they stated they ca n't help me, that I used all the options that I had available. It is very conflicting on the information that they are giving me. I really want to keep up with my payments but AES is taking me in circles.

Company response to consumer: Closed with explanation