milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/14/2015 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (MI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have been behind on payments on a line of credit from Synchrony Bank for SAMS CLUB ; and have been harassed daily by this bank on an average of XXXX or more calls per day for well over one month. I can not pay the bill as of today, but will be able to make some payment within the next 30 days. 

I am simply tired of being harassed by the repeated phone calls and I refuse to answer them. This financial institution is more than capable of contacting me by letter as/if needed. 

I am well aware of the need and obligation for a consumer of financial services to pay one 's balance due on an outstanding credit line, however the actual amount due on the credit line is under {$1000.00} and does not in a reasonable person 's view require Synchrony Bank to call me XXXX times daily. The bank can send me a letter and I can pay the balance off over time. The credit line is currently suspended and I am not able to use it at this time. I will not, however, respond to the harassing phone calls until this method of attempted debt collection ceases as it is unreasonable for such a small amount of debt. 
. 
I strongly believe that I am being harassed by this financial institution and I want the harassment to stop. 

I am willing to pay as much as possible on the outstanding balance as soon as I receive my next paycheck, but will no longer respond by phone to Synchrony Bank. I am sick and tired of being harassed by the bank. 

I have had several issues of debt with other creditors that I have successfully addressed in the last five months, and will do so with Synchrony, regardless of their harassment of me. But I simply will not tolerate XXXX calls a day. It is ridiculous even if it is after XXXX and before XXXX. The debt will be paid, but I 'm done with the harassment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/28/2017 about Debt collection (I do not know) with WAKEFIELD & ASSOCIATES, INC. (NY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: There is an amount of {$630.00} on my XXXX that shows on my credit report that i think is a mistake, it does not show on my XXXX report, i am not sure but it could be a XXXX bill that my insurance probably paid late but it was PAID. If it is, how do i dispute it or make it disappear from my report, there is no phone number for me to contact the collection agency or so. Thank you

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 08-06-2015 about Bank account or service (Other bank product/service) with BANK OF THE WEST (CA).
Issue: Problems caused by my funds being low

Complaint: Bank of the XXXX branch has been my bank for 27 years. Several years ago the present Manager and assistant told me I should have a Gold Line attached to my checking account because I was paying excessive overdraft feets that compiled even though the deposit to cover them was entered the same day. They placed the fees XXXX then registered the deposits. 
This has been the same only worse with the Gold Line because they can randomly choose an amount to transfer to cover an overdraft. Anywhere from {$50.00} up and then charge a loan fee of 19.9 % which is very very high. 
I asked the Manager XXXX in XXXX of 2015 if there was n't a different option and I was given the brush off and told no. 
The amounts of loaned money has grown to over {$900.00} and they keep " randomly adding money to my checking and building the loan amount. 
I know that many of the transfered money from the Gold line was unnecessary and that deposits were always made to cover my payments from the checking. 
There have been times when I know that the funds were available to cover a check but the bank used " timing '' in order to increase my Gold line balance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/26/2016 about Credit card () with Blitt and Gaines, P.C. (KS).
Issue: Credit card protection / Debt protection

Complaint: On XX/XX/2016, I received a dunning letter signed by an attorney on Blitt and Gaines , P.C . stationery. I sent a timely response disputing the alleged debt and demanding that he cease and desist from any further collection activities until he validated the alleged debt. 
The attorney filed a lawsuit on XX/XX/2016 against me within the thirty ( 30 ) days. I have had to defend in court while another Blitt and Gaines attorney continues to send dunning letters without proper validation. In court, the attorney for plaintiff is shifting the burden of proof onto myself.

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2017 about Debt collection (I do not know) with Phoenix Financial Services LLC (IL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have been called four times in  two  hours just today  XXXX / XXXX /  XXXX   alone. The company that has called me repeatedly is Phoenix financial services.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2017 about Debt collection (Payday loan debt) with NCB MANAGEMENT SERVICES INC (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: This was a payday load with a very high-interest rate ( over 40 % ). My husband was in the XXXX and activated to full-time when I received this loan. I did not know about the laws concerning lending to military families. Furthermore, we qualified for XXXX so the rate should not have been more than 6 %. I called the company. the amount I had already paid back was over principal + 6 %. It was sent to collections and is on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (OH).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I have never been contacted from the original creditor ( apartment complex ). after 3 months a debt collector contacted me and sent me unverified bills ( unreadable/blur ) and also none of those bills have my name on it, my ex-roommates only and they trying to charge me of the whole amount that i do n't know what it was for!! we left the apartment clean and they did n't say anything until after 3 months and never contacted me directly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2015 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (DC).
Issue: Account opening, closing, or management

Complaint: I have not been able to access any of my money currently being held in TD Bank without explanation. This pertains to both my checking and savings account. I have attempted to fix this problem at the branch and by calling their customer service but both have been unhelpful. It has been over a month since I have been able to access my money and since then I have been unable to pay my rent, buy food, or fill my prescriptions.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 about Student loan (Federal student loan servicing) with AES/PHEAA (VA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I recently filed a complaint with CFPB regarding the way my PSLF payments were being calculated. XXXX  XXXX XXXX responded to my request for a detailed request of PSLF-qualifying payments by significantly omitting and altering information. In fact, the information they provided conflicts with the information they provided in XX/XX/XXXX when I similarly requested an explanation of why my student loans were not be calculated. 

Specifics : From XX/XX/XXXX - XX/XX/XXXX : I made 4 PSLF qualifying payments on my federal student loans. This was attested to by XXXX  XXXX XXXX in the attached document ( PSLF Statement XX/XX/XXXX ) in the highlighted fields, including a payment of XXXX. 


{$320.00} ( XX/XX/XXXX ) {$320.00} ( XX/XX/XXXX ) {$320.00} ( XX/XX/XXXX ) {$1300.00} ( XX/XX/XXXX ) I was NOT under a student deferment at that time. 

In the most recent response received regarding PSLF qualifying payments from XXXX XXXX XXXX ( PSLF Statement XX/XX/XXXX ), they stated I was under student deferments for the first three payments, which is false. Additionally, they COMPLETELY OMITTED the payment I made of XXXX, which is a COMPLETE Falsification! I have proof of this payment. 

XX/XX/XXXX XXXX XXXX has repeatedly changed their records of my payments to them throughout my time dealing with them as a lender. I just want the payments I made under the PSLF program to be counted.

Company response to consumer: Closed with explanation
Consumer complaint received 03-12-2018 about Debt collection (Other debt) with Amsher Collection Services, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: With dateXX/XX/XXXX, I made a payment of {$120.00} for cell charges. Numbers XXXX, XXXX and XXXX in store # XXXX of the XXXX of XXXX ( see Receipt # 1 ) On XXXX, I went in store # XXXX of XXXX to transfer the Cell number XXXX and XXXX for XXXX XXXX XXXX , explaining to Sale Rep. that the line XXXX was not going away to use any more. 

The day XXXX, 16 days after I made the change of the numbers to XXXX XXXX XXXX, I went again in the Store # XXXX of XXXX and made a payment of {$110.00} ( See Receipt # 2 ) I received a notification from XXXX that Cell line XXXX was delinquent and had to pay a penalty, so I went to Store # XXXX again on XXXX making a payment of {$100.00} for this line that did not it had not been used or had charged minutes ( See Receipt # 3 ). Again I told the XXXX Representative that that line was not in use, he replied that I need to call at XXXX. I made the call and talk to the Representative named XXXX XXXX # XXXX canceling the completed cell ending XXXX. 

After having made all the payments explained, I am notified by XXXX  Credit Alert that I had reports on my credit for delinquint. ( Potentially negative information has been posted to your Credit Report ) .I suppose this was the reason for the denial of credits to which it applies. This did not stop and they kept on sending collection notification to the credit bureaus and phone calls to me, by this Agency : A.- AMSHER COLLECTION SVCS XXXX XXXX XXXX XXXX XXXX XXXX , AL XXXX PH : XXXX and the last report was on XX/XX/. 

I was several times in XXXX XXXX and I made phone calls to the offices of XXXX to complete this problem and they continue with this abuse harassment since XX/XX/XXXX. 

I consider myself a citizen complying with the laws and with a record of good moral behavior in the 33 years I have been living in the country, with a good credit record that they are affecting. 

For this reason I demand that my credit be repaired by XXXX and those agencies and leave this abuse of harassment. 

Thank you Note : Attached a 3 XXXX receipt cc.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2016 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (MI).
Issue: Deposits and withdrawals

Complaint: In XXXX was in juvenile, jail, and prison at the same time I was a minor. I won {$100000.00} from a dog bite- the attorney took {$40000.00}, I kept {$60000.00}. I was released from prison XXXX XXXX, XXXX, I was XXXX, I asked my mother where is my lawsuit money and she told me it was stolen. I asked what bank is the money in and she told me in XXXX but they closed and Chase Bank bought XXXX. My mother took me to the Chase Bank 's actual branch where she deposited the check when it was XXXX. The teller issued me XXXX check copies that shows XXXX check with my name and the other check with her name. The check with my name raised an eyebrow because the date says I was a minor and in prison on the date. From what I know about this situation, when a minor receives a large amount of money, the funds must sit in an account with the parent monitoring it and it is unlawful for anyone to withdraw the cash without a judge or courts permission. To say the least no one except me or my mother should be able to withdraw and must present identification. The bank ( XXXX or Chase ) does not have paperwork about how the withdrawer has the ability to withdraw the funds because my mother tells me the money was sitting in a CD. There is no court order or copies of identification. My mother says the check in my name is my father- same name, using my money to pay his child support for me and the check in her name is the IRS forcing to pay her taxes. I have reason to believe the money I won was stolen from, I request the federal government to investigate and prosecute all people who was involved in the thievery of my money. Also, I want my money back plus interest because XXXX and/or Chase did not have the lawful right to withdraw money from an account without proper court paperwork or the account owner permission. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Paid amount of {$81.00} as of XX/XX/2015

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 01/22/2018 about Debt collection (Private student loan debt) with Pathfinder Credit Services (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I contacted the company and sent them supporting documents that I was a victim of identity theft and I never attended XXXX XXXX school they we 're being Extremely rude I told them another company Had the account before I disputed it with them also and give them a police report and also to all three credit bureaus over the matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/20/2015 about Debt collection (I do not know) with ProCollect, Inc (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Procollect continues to harass me and defame my name by reporting a negative account that does not belong to me. I disputed this erroneous account and asked for them to send me some validation because I know this does not belong to me. They sent a paper with XXXX different names on it, neither belonging to me. This is a phantom account that they have bought and are now trying to place on me. I will not pay something I do not owe and I am exercising my rights by asking for a proper investigation. Their time is up and this erroneous file needs to be deleted and they need to be held accountable for breaking the law!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2017 about Credit reporting () with Alliance Data Card Services (WA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: PayPal was supposed to remove an old account with them off my credit report. I now have a new account with them in good standing

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 about Debt collection (Federal student loan debt) with AES/PHEAA (PA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: After several failed attempts to resolve an erroneous balance due on my student loans, it has been determined that I have to file a complaint to get somebody to review this matter. I was contacted by XXXX XXXX several times regarding an outstanding balance due on my student loans FROM XX/XX/XXXX. The balance due has changed drastically over the weeks. My outstanding balance with PHEAA was {$4100.00}. XXXX XXXX is now handing this debt and I entered an agreement with them to repay the balance at a monthly fee of {$5.00} due to unemployment and inability to pay more at this time. XXXX XXXX has changed the balance owed to {$17000.00} on XX/XX/XXXX, to {$18000.00} onXX/XX/XXXX, and it now sits at {$18.00}, XXXX  owed as of XX/XX/XXXX. I have sent several requests for review to set up a hearing, to no avail. As previously stated, I set up a repayment plan with XXXX XXXX so my  income tax would not be affected by this again. I then started receiving letters and phone calls from XXXX XXXX XXXX stating that if I did n't set up a repayment plan with them my income tax would be taken and my wages would be attached. I have not received an opportunity to review or dispute the balance they say I owe and have received any answer except " If I refuse to pay, they will attach my wages and take my federal income tax. '' Finally, my income tax was taken for the year XX/XX/XXXX in the amount of {$4300.00} to offset the student loans owed to PHEAA, however this was never applied to my balance! Nobody can answer where the money went and they only transfer me to different offices when I attempt to figure out what happened to the money they took. That money should have settled the debt I owed to PHEAA, but nobody knows where it went. This started with me owing PHEAA {$4100.00}. They offset {$4300.00}. That would leave my balance in the negative, but nobody will answer my correspondence to request a review. Hopefully this office can get something done in this matter. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2016 about Mortgage (Conventional fixed mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (PA).
Issue: Loan modification,collection,foreclosure

Complaint: I applied for a loan modification in the XXXX. I was accepted into the program in XXXX at this point I believe I was one month behind. I was given a grace period for XXXX and stated making the trial payment in XXXX. I made 6 on time payments until my mortgage was permanently modification in XXXX. I think is unfortunate that my 6 on time payment are not being reported. The agreement states that the modification could adversely affect my credit report but does not state my on time payments would not be accounted for. It states the reporting that the loan being modified will affect my credit. Also, my modification was accepted on XXXX XXXX, XXXX but I was still be reported behind until XXXX. I have attempted several times through the different credit bureaus to have this changed but to no aveil. I understand that they payments are being considered partial payments but after a year of on time payments I believe I am justified in my request for my information to be undated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2015 about Credit reporting () with EQUIFAX, INC. (CT).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax and XXXX report an account with XXXX is in collections. I have no account with XXXX and have had no communications from them about an overdue account. Suspect fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2017 about Credit card () with CITIBANK, N.A. (NJ).
Issue: Sale of account

Complaint: I recently read about Citibank being fined for unfairly charging its customers for extra products and also for unfair debt collection practices. I had a card with Citibank for many years, the balance of which was supposed to have been paid off as part of my divorce proceedings in XXXX. In XXXX XXXX I went to the bank to find my checking account had been frozen due to a lien placed by Citibank. I was never served copies of a judgment or received any communication at all either from Citibank or its attorneys. Calls to the law firm are not returned and I can not get resolution. They recently placed another lien on my bank account. After reading about CFPB 's fine of Citibank, I would like to know how to find out if I am XXXX of the millions of consumers that were affected by their fraudulent practices.

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 03/17/2017 about Credit card () with DISCOVER BANK (CA).
Issue: Closing/Cancelling account

Complaint: Refer to complaint [ Case number : XXXX ] I can not view anything about the response from Discover to my complaint in nor at the link that you have provided below. Please send me the same in regular text via email so as to have transparency. 
https : //XXXXconsumerfinance.govXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Payday loan, title loan, or personal loan (Installment loan) with Risecredit, LLC (MO).
Issue: Charged fees or interest you didn't expect

Complaint: I borrowed {$500.00} from the company that advertises regularly on television called RISE. I paid them back  five m onthly at {$160.00} / month.   Now they want a further {$750.00} in " interest '' that was n't made clear to me at the beginning.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2017 about Payday loan, title loan, or personal loan (Payday loan) with ZARVAD III S.A. (CA).
Issue: Charged fees or interest you didn't expect

Complaint: I borrowed from the companyXX/XX/XXXX. They were supposed to take out {$520.00}XX/XX/XXXX, but instead have been taking out {$120.00} every 2 weeks. I finally checked today to see if they were done withdrawing funds and they still show that I owe {$520.00}. When I asked for the original contract they sent me one dated for the XX/XX/XXXX. It appears they keep renewing my contract every 2 weeks. This is fraudulent and I was unaware they were doing this.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: This needs to come off my credit report because XXXX took it off my report and updated everything this is something that I had closed with my son so now it 's my son 's responsibility is not linked to me anymore unfortunately TransUnion does n't like to do their job correctly I feel like all the credit report should be aligned as XXXX if XXXX says it was taken off then the other XXXX should say that as well Transunion needs to close this its hurting 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