milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-01-2016 about Consumer Loan (Installment loan) with SYNCHRONY FINANCIAL (GA).
Issue: Problems when you are unable to pay

Complaint: Synchrony Financial has locked me out of the account for almost 11 months. I try to access to pay the bill and the system will not recgonize my Correct information. Unable to access to pay the bill they have slapped me with horrendous finance charges. Ive call many times to no avail, files a dispute stating I can not access to pay with no result. Contacted their collection service and tried to explain with no result. No one seems to get the fact that I wanted to pay, I was several months ahead of the no intrest schedule when this happened. I have both audio and video recordings that prove their system is locking me out. No one will acknowledge this fact. I have hired an attorney to try to help me resolve at XXXX per hour.

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 06/24/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Credit card protection / Debt protection

Complaint: breach of contract for failure to inform me of their termination of their business relationship with me. 
violation of the Federal Fair Debt Collection Act of 1977 for filing false information with the credit reporting agencies

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2017 about Debt collection (I do not know) with MJ Altman Companies, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I disputed this account MJ Atlman Companies, which is unknown account to me on XX/XX/XXXX. I disputed with XXXX, XXXX, and XXXX credit monitoring reporting agencies advising all XXXX agencies that this was unknown account to me and that is what not my debt. On XX/XX/XXXX I received the investigation results back from XXXX which stated that the account had been updated and removed from my credit file. However, XXXX and XXXX both stated to me that there investigation concluded different results. Both agencies we 're unable to remove the account, because it 's was verified as accurate.

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 01/20/2017 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: EQUIFAX is illegally and unlawfully reporting information on my credit file. I 've asked for the following information : a ) Federal Reserve form XXXX registration statement, ( b ) Federal Reserve form XXXX ( b ) ( XXXX ) prospectus, ( c ) Federal Reserve form FR XXXX balance sheet ( s ), ( d ) Federal Reserve form FR XXXX balance sheet ( s ), ( e ) Federal Reserve form XXXX balance sheet ( s ), ( f ) The Deed of Trust. ( g ) Chain of custody and They have not responded to my request. I also asked them to present a certified final forensic audit from EQUIFAX in accordance with g.a.a.p, I.f.r.s. in accordance with basel XXXX accord and u.n.c.i.t.r.a.l. conventions. I also asked them to present these documents from the folowing vendors/creditors : XXXX : XXXX, XXXX XXXX account : XXXX, XXXX XXXX, and XXXX XXXX XXXX and they have failed to do so. 
I am requesting EQUIFAX to immediately remove all derogatory credit reporting from my file until EQUIFAX can provide proof of claim and exhibit the original instrument in accordance with the XXXX XXXX XXXX, and TENNESSEE state Law, U.C.C. 3-501 ( B ) ( 12 ), ( and any local applicable laws including UCC ) inclusive of the genuine original Promissory Note and genuine original allonge ( s ) showing : ( a ) Proof of the existence of an account of the actual establishment of debt account by the actual Sentient human, XXXX of XXXX, duly signed and written out by both parties and not any unilateral agreement. ( b ). Proof of claim that the listed entities are the original Holder in due course of the aforementioned original debt instrument and that it is not being un-sold to another party. ( c ) A copy of actual accounting, original ledger whereby each company in question, has incurred a loss as a result of the alleged debt. ( d ) An invoice ( not a statement ), for any amount of money owed to ( each company ) by XXXX XXXX XXXX ( e ) Provide proof of claim there is any money in circulation is backed by anything of value, by which any debt including this one that lends to the possibility that the companies listed might get paid by way of actual money. And that the value of the attached is not sufficient to discharge this debt under the following laws : The Fair Credit reporting Act Public Law No. 91-508 enacted in 1970 The Bankruptcy ACT of 1933 12 USC 411, P.L. 97-280 UCC 1-103, 1-308, 2-221, 2-104, 3-415-419, 3-500-510

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2017 about Debt collection (Medical debt) with Lotane & Associates, P.A. (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: XXXX/XXXX/XXXX Original Bill with XXXX XXXX hospital, worked out a payment plan with Billing dept at XXXX XXXX hospital, made payments on time every month, in XXXX XXXX I received a letter from XXXX XXXX XXXX XXXX said that hospital turned over to collection agency, called XXXX at XXXX XXXX Hospital to find out why, they told me it was a mistake, but just to keep making my payments on time and there would not be a problem. I received a letter in XXXX of XXXX from Lotane & Associates, PA, I still have not missed a payment, around the date of receiving the letter my family members ( wife, daughter and sister ) were being contacted by this company stating that they had a warrant for my arrest and needed to find me, they had my phone number and address, as they left a message on my cell phone while I was at work. I called them when I got home, they were telling me they were taking me to court, going to garnish my wages and place a lien on my home and take possession if I did not pay the bill in full. I told them I had a payment arrangement worked out and that I had not missed a payment and that I did not have the money to pay the bill in full, I asked to stop calling me and my family that they had my address, they should contact me by mail in the future and that I would continue to send my monthly payment that is the best I can do. They have continued to accept my payments and cash my checks at XXXX every month and I had not heard from them again until this week, when once again I started getting phone calls threatening garnish my wages, have me arrested and place a lien on my home, my wife has received 3 phone calls at work from these people, they called my sister at XXXX last night and my daughter twice this week. I have not received any further communication from them in the mail at all. I spoke to them today and they threatened to continue calling my employer, and family membersuntil this bill is paid in full. I can not pay this in full at this time, but I have not missed a payment and the harassment from this company could cost me my job as well as the embarrassment they are causing by calling all of my family members, I have no idea how they would have gotten any of the phone numbers other than mine and my wifes.

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Student loan (Private student loan) with SLM CORPORATION (NJ).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I have been patiently dealing with aggressive business tactics from an unorganized company named Sallie Mae. I have been actively trying to find some type of resolve because sallie mae constantly calls my phone, as well as my co signer ' phones, so much so that it feels like harassment. I graduated a year ago in XX/XX/XXXX 2016 and when the time came for me to start paying my loans back I was being asked to pay over {$800.00} dollars a month which was completely impossible for me because I was fresh out of college working for $ 9-10 an hour at local retail businesses. I had to request forebarence until I could figure out a better repayment option. This became a trend because sallie mae refuses to lower my payments. I tell them I am not able to pay over {$800.00} a month and they ask for my co-signer. I told them multiple times my co-signer could only help a little bit and yet they still keep trying to force me to make these absurd payments. This has gone on for too long now and it seems like the situation is getting worse. Most recently, I tried to get an income driven repayment plan and somehow that made my monthly payment go up to over {$900.00} a month. I am living at home with family and I am not able to afford even half of this and I voice this concern quite frequently yet it goes ignored. I have had multiple issues with their employees over the phone. One example being when I requested another forbearance, the associate entered my card information incorrectly when taking the payment for {$150.00}. This caused an error in the process because their system and staff understood this mistake as me not having enough money in my account. This error also caused a negative action to my co-signer 's credit. It was discovered via recorded phone conversations that the mistake was actually made by the sallie mae employee. Sallie mae never contacted us and made us aware of what was going on. After a few days went by and I had not heard anything back I had to call sallie mae. When I called, I was infromed they concluded the mistake was made on their end. They were also supposed to be fixing my co-signer 's credit report and they did not inform us of any of that information either. We had to periodically call to receive updates. When it 's time to make a payment I receive at least 3-5 calls a day from sallie mae representatives, but when they make an error that negatively effects my loan status as well as my co-signer credit report we do n't hear from them for days? This is just one frustrating example out of the many ; all which can be proven via notes, and phone recordings in their system. I fear I may have to take legal action against sallie mae soon if the manner in which they do business does not change.

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 08/15/2015 about Bank account or service (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (TX).
Issue: Account opening, closing, or management

Complaint: In order to manage Trust account XXXX XXXX XXXX referred Compass BBVA Compass. Like the account before I move compass Had Been comprised via Home, Auto and Mail.Describe what happened so we can understand the issue ... 
At XX/XX/XXXX and XX/XX/XXXX, I deposited {$120000.00} and {$40000.00} it appears I was steered to the service in order to access fund via electronic charges and guardianship paper there stolen as a minor from my home by extended family. it seem more than just XXXX card was assign to XXXX a account as well. 
Product Bank account or service : Checking accountIssue Deposits and withdrawals

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2016 about Credit card () with BARCLAYS BANK DELAWARE (MA).
Issue: Credit determination

Complaint: I applied for a credit card and received a letter asking for more information from their " security department. '' I sent in the requested documentation and have proof of receipt 10 days later. The company failed to contact me again about the status of my application. I called to inquire and was told they would have to run another credit report in order to approve my application because it was beyond 30 days since my initial application.

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 02-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: A default judgment is appearing as a collection account on EXPERIAN, XXXX, AND XXXX.It is appearing as a collection perhaps to avoid properly categorizing the account as a public record due to AGREEMENTS BETWEEN CREDIT BUREAUS AND STATES ATTORNEYS GENERALS enacted within recent years.In addition, the date of first delinquency has been re-aged.THE DOFD coincides with the date of judgment entered ( ATTACHED COURT RECORD ) which would be impossible considering the nature of the debt, ie : back rent and holdover.The debt was many months prior to the stated DOFD.ALL THREE BUREAUS after numerous disputes permit a false re-aged date of first delinquency and permit a miscategorization of debt, and allow these inaccuracies to fly in the face of their ATTORNEYS GENERALS AGREEMENT, CREATING A LOOPHOLE FOR ACCURACY DEMANDED BY THE FCRA.THE DISPUTED ACCOUNT IS : XXXX, XXXX , XXXX XXXX.ACCT NO. XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Holloway Credit Solutions (GA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Violated provisions outlined under the FDCPA [ unfair practices-15 USC 1692f ]. 

Holloway Credit Solutions in XXXX AL has been making illegal attempts to collect a debt from a minor, according to the verification information they have provided with last XXXX of social and birthdate. 

This debt does not belong to me and information about someone born XXXX/XXXX/1997 can not legally be reported to the credit bureaus. 

This account needs to be removed from my credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: The we te are accountsan, names, and addresses that are not mine.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2017 about Credit reporting () with EQUIFAX, INC. (WV).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I had to go Bankrupt in 2013 due to my husband passing away.I have a car loan and that 's all, I do not have any credit card 's at all.I have to get a small loan {$200.00} for my XXXX.The Credit Agency keeps saying I have credit cards that do n't exist.XXXX for XXXX I have NEVER dealt with these people and XXXX XXXX and again have not EVER dealt with these people.Everything else I have been making payment 's on time for my car.I checked my credit and it say 's nothing deliquint and nothing in collection's.So what 's the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (TX).
Issue: Problems when you are unable to pay

Complaint: I opened a loan with Santander XX/XX/XXXX and was financed XXXX at 16.99 % interest rate on my loan for 72 months which should equate to {$26000.00} in finance charges equaling a monthly payment of {$370.00} and I have been paying {$370.00}. I made my payments accordingly over the next 4 years. I tried refinancing my loan in XX/XX/XXXX as well a trade in my vehicle around the same time. Come to find out I was severely upside down and no one would finance me a new loan with my vehicle as a trade or refinance because my debt owed was to high. At that time I allowed my vehicle to repossessed due to the amount owed. I feel I am a victim of a predatory lending from Santander and now my credit history is be slandered and portrayed worse than it actually is by Santander as well. I have disputed the reporting of my account as per my rights of FCRA due incorrect payment history reporting, first date of delinquency on my account repeatedly reported inaccurately, a charged off account reporting open 9 months after repossession, as well as being billed car payments after the repossession monthly adding further debt to my past due amount. I paid over {$15000.00} over the four years that I owned the vehicle and recently discovered that I have been charged unfairly resulting in a higher car payment and erroneous finance charges I have paid more than enough and I been subject to unfair damages. Per state law I am to receive a notice after repossession regarding the sale of my vehicle as well as a statement after the sale, I have did not receive any of the required notices that I am entitled. Due to the unfair predatory loan and false credit reporting action I am requesting full deletion of Santander accounts on are 3 major credit reporting agencies ( XXXX, XXXX, and XXXX ) I have enclosed some documents for your review take note of the federal truth in lending section in regards to my finance charges and monthly payment.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2017 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MO).
Issue: Trouble during payment process

Complaint: I 've been paying PMI for over 12 years. My amortization schedule finally hits 78 % which means PMI automatically drops off but Bank of America refuses to remove it saying I have to pay for an appraisal?!?! And the appraisal company I have to use has business ties to Bank of America. Hello conflict of interest. So with Bank of America you have PMI for 30 years unless you pay XXXX of their business partners money to do a new appraisal? This ca n't be right but after numerous electronic messages and phone calls here I am, 12 years later, and still paying PMI.

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 03/14/2017 about Credit reporting () with EQUIFAX, INC. (CT).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I 've been trying to dispute wrong information on my credit report with Equifax and all they keep saying is for me to send them a copy of my driver license and my social security card, that was actually the only time i could get a live person on the line, the other times i tried to contact them the phone would automatically hang up and it wo n't connect me to them, today XXXX/XXXX/17 i tried contacting them and the phone call was redirected into a ads line where all they do is offer me products from their partners, i 'm tired of this process with them i do n't have any issues with any other CRA, i recorder todays call as proof of what i 'm saying is true. i got denied a vehicle loan because my credit came up as XXXX, all other agencies shows my credit number except Equifax, i 'm trying to buy a house and i 'm afraid that if they use Equifax it will also come back as a XXXX because of incorrect information on their side.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2016 about Student loan (Non-federal student loan) with NELNET, INC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I am a guarantor on my son 's student loans.My son was laid off in XXXX 2015. He was unable to make his student loan payment. When he called, they said that he had to make his loan current prior to them helping him due to his unemployment ( they do not have a record of his call ). Normally, when he is late, I receive a letter within a few days of the due date. This time I did not receive any letters until XXXX XXXX when he was 60 days late. However, I found out that he was 60 days late, when I went to apply for a loan and my credit rating was XXXX points lower than it should have been. I made the account current. I called to have then correct the credit report and they refused to do anything. Citizens the holder of the note said that Firstmark Services was responsible for the credit reporting and Firstmark said that XXXX was in charge of credit reporting. I told XXXX that I had a complaint and they offered no help. I told Firstmark that I wanted to talk to someone about my complaint and XXXX # XXXX said that there was nothing they could do about the credit reporting. Finally after a very long conversation XXXX said she could send me a complaint form. XXXX said her system said that they mailed notices to me, I said that I did not receive notices. They have my email and they did not email me. I do not receive monthly statements. They said that they called, but I did not talk to them. XXXX acknowledged that they were unable to talk to me by phone. I do not know when his payments are due. They did not offer to send my statements. They pressured me to allow them to make phone calls to me. I refused. I said that they could email me or send me mail.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Debt collection (I do not know) with Midwest Recovery Systems (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I 'm filing a complaint against Midwest Recovery System about a debt I do not owe neither do I have contract with which is illegal and which the debt they claim I owed to XXXX XXXX XXXX. They are in violation of FCRA and I would love this collections account be deleted from XXXX, XXXX, and XXXX for the amount of {$470.00} thats not mine. I would like to be Compensated for the Embarrassment as well

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have never own a Credit card from the XXXX and it appeared on my credit report as collections balance to XXXX. As I have obtained a mortgage for my retirement home in Oregon, lender asked me to pay the full balance in order to get the loan closing because the credit reporting agency has been refusing to remove the error off my credit report! I paid the full amount of someone else 's financial misdeed. My husband and I are on a fixed income please help us to get our money back. Than you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2015 about Mortgage (Conventional fixed mortgage) with GUARANTEED RATE INC. (GA).
Issue: Loan servicing, payments, escrow account

Complaint: I have bill pay set up to pay my mortgage monthly to Guaranteed Rate. I have made XXXX payments, and both have been posted and mailed from my account according to my bank XXXX. Guaranteed Rate claims to have not received the XXXX payment, while XXXX has verified that the payment has been sent. Guaranteed rate now has listed my account as delinquent, and charged me a fee of XXXX {$.00}

Company response to consumer: Closed with explanation