milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-01-2016 about Credit card () with SYNCHRONY FINANCIAL (NY).
Issue: Billing statement

Complaint: XXXX / Synchrony bank does not disclose the amount due each month to avoid interest and fees. XXXX company customer service representatives confirmed that is a true. I hope we all misunderstand. It does n't seem this could be legal. 

For example, when I look at my monthly statement - there is no amount due that reflects the actual amount due now versus the amount deferred. 

This issue arises as a result of mixing deferred interest promotion transactions ( that offer 0 % interest for XXXX to XXXX months ) with regular transactions that must be paid monthly on revolving credit. 


Yesterday ( XX/XX/XXXX ) I called customer service to find what I owe on XX/XX/XXXX 
They told me the data was all on the statement but that customers must calculate what they owe by sorting through transactions with a calculator. I asked the representative to make the calculation for me. Her first answer was that I did n't have to pay anything ( incorrect ). I questioned that. 
Her next answer was that I had to pay {$350.00}. ( also incorrect ) I asked for a XXXX. 

The XXXX also stated that customers must calculate what they owe to avoid interest. She confirmed it is not printed on the statement. 

She calculated my balance for normal revolving credit transactions and said that I owed {$0.00}. 
But she then said I had to pay {$25.00} as a minimum payment. 
Thus XXXX conflicting answers in XXXX call - a consumer does n't stand a chance. 

I intend to pay the {$25.00} in good faith. 
But if XXXX owes {$0.00}, why would there be a minimum payment? 

Why does a consumer have to spend XXXX minutes or so calling customer service to find what they owe because it 's not on the statement? 
And then hope the answer is correct. 

I work hard to maintain good credit. 
It sure seems like a deceptive practice to make it this difficult to know what is owed.

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 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I found out recently that there was a problem with verifying my social security number when I wanted to cosign a XXXX loan for my child. I dealt with the XXXX XXXX XXXX without success. 

After further investigation, I found out that I was reported as being XXXX  on XXXX XXXX, XXXX. 

I am trying to figure out : 1 ) who or which funeral home or which entity reported me as being dead over 2 years ago and 2 ) how to rectify this since I am well alive so far. 

Please offer some assistance, guidance on how to handle this issue. 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 non-monetary relief
Consumer complaint received 04-04-2015 about Consumer Loan (Installment loan) with Federal Cash Advance, LLC of Oklahoma (PA).
Issue: Taking out the loan or lease

Complaint: I had applied for a payday loan due to medical expenses I recently occurred This company Cash Max XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX agents name was XXXX supervisors name was XXXX and they stated I was approved for a XXXX installment loan but I needed to verify that I could pay the money back via XXXX XXXX they wanted me to prove that I had XXXX right now I went to XXXX XXXX XXXX times and all XXXX times the transcaction could not be processed should have been my XXXX clue I then purchased a prepaid XXXX money card and loaded the XXXX on it and called them to giove them the number they said I did not have to activate the card and they would process the loan and call me back in 30 minutes to let me know the money was deposited into my account 2 hours went by called XXXX and he said he is still working on it and will call me back red flag went up and I called XXXX the automated system stated that the card had already been activated and when I checked the balance and entered my information it said incorrect info does not match our records so XXXX had activated that card with his information not mine I have tried to callo them back and it either goes to a voicemail or they pick up [ and hang up they probably have caller ID I would like this reported and of course would like my money back but most of to let people out there know not to go with this company cause they are a fraud I work hard for my money and have a family to support but I trusted them and look what I get for trusting I do n't understand how people can be so dishonest and untruthful Please help me in any way you can thank you My info isXXXX XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2015 about Bank account or service (Checking account) with STATE EMPLOYEES CREDIT UNION (NC).
Issue: Deposits and withdrawals

Complaint: NC State Employees Credit Union1 ) Allowed an unauthorized person, not on my personal checking account, to access and spend my solely-held checking account funds. 
And/Or2 ) Used my personal solely-held checking account as an unauthorized overdraft for an account held by another person. 

NC SECU refuses to remedy the damage done to my account, and insists that it is on me to reclaim my funds from the unauthorized party.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Portfolio Recovery Associates ( PRA ) reported collection accounts against my social security in the amounts of {$770.00} and {$550.00} to XXXX, XXXX and XXXX credit reporting agencies. PRA has not provided documentation to support their allegation that they purchased and have a right to collect on the debts.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NV).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I am paying back my loan but complained to Navient about why my loan interest was increased to XXXX % for which I never accepted. I am not in default but I did have have a problem getting a forebearance which took a while to get but had to use my unemployment to pay while waiting. I am unemployed now and is struggling to pay it now without unemployment.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2017 about Student loan (Federal student loan servicing) with ACS Education Services (MS).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: As the result of frequent selling of the loans and changes in loan servicers, several of my student loans have unresolved inaccuracies on my credit reports. Please do not forward this to the Department of Education Ombudsman as they were not helpful on a previous complaint on this matter. Here are the details : 1. My XXXX account XXXX continues to inaccurately show as paid 60-days late without the requisite 30-days late payment notation the prior month ( see attached copies of credit report ). 
2. My ACS/XXXX accounts XXXX XXXX, XXXX XXXX and XXXX XXXX continue to inaccurately show as paid 60-days late without the requisite 30-days past due notation the prior month. Also, data is missing for XXXX of the XXXX reporting months on the XXXX accounts casting serious doubt on the accuracy of the data ( see attached copies of credit report ). 
3. My XXXX accounts XXXX, XXXX and XXXX continue to inaccurately show as paid 90-days late without the requisite XXXX and 60-days past due notations the prior months. Also, data is missing for XXXX of the XXXX reporting months on the XXXX accounts casting serious doubt on the accuracy of the data ( see attached copies of credit report ). 
4. Finally, no data in many reporting months is negatively affecting my ratio of number of late payments to number of on-time payments.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Navient will not let you get the forms you need to apply for income based repayment until after your account is past due. Additionally when you call their phone number for help and ask for customer service the automated system keeps hanging up on you if you ask for customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (CA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have asked that my increased payment be applied to principle and was told my request must be in writing. So I put m request in writing. Nel net continues to apply to next payment instead of principle. I owe close to {$70000.00} I have XXXX children and pay ove 6 % interest. I have 20 more years and I am XXXX years old.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2017 about Credit card () with CITIBANK, N.A. (AZ).
Issue: Rewards

Complaint: I had this Costco XXXX card for more than a decade. Nice wonderful card. Last year the card was converted to Citi Visa card. They messed up from day one. Messed my first and last name. I have to do follow up and get it fixed. Now it 's the annual reward statement during month of XX/XX/2017. I did n't received it - every time they will just send the statement but not this reward certificate. I have to follow up multiple times and asked them if they can directly credit my credit card but not ready for that also. It 's total waste of time and efforts. Is Costco/Citi paying me interest of 25 % on this money because of this delay?

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 07-02-2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Rewards

Complaint: I held a citi double cash rewards which i canceled. The day I paid the balance and closed the account, I tried to redeem the cash rewards balance. The website options for redeeming would not work. Any attempt to click the confirm button on any of the options would not work - in an attempt click on any possible option, I tried the gift card option. Selecting this option, logged me out of the site. 

I called customer service numerous times - waiting as long as 25 minutes - with no response. Finally, I tried the chat feature where I was told that customer service waits were adversely impacted by the launch of a costco product. I was also told that because I had closed the account that i needed to speak with someone to process the reward. Finally, after mentioning the CFPB, I was told that because I had closed the account I could not redeem the reward.

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 06/17/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: They are calling my job, a line that is for employees only and that I imagine somehow they got ahold of the number. I have never provided anyone with that private number. I reversed the phone number they left for me to call back with XXXX of my peers, and they seem to be a bill collector for Navient ; in spite of the fact that I have already told them not to call, they keep on doing it. They call from a local number, but when they leave messages with my peers they leave a toll free number. My peers are not there to take my personal messages, especially when I never provided anyone with that number. Except for telling them that they can not call there anymore, I have never had any other conversations with them. They are interfering with my job 's operation, putting my job at risk by calling numerous times and even speaking to my coworkers and telling them they want to help me. My employer is very strict and every minute counts. We are not allowed personal calls. I feel harassed, upset an embarrased at what they are making me go through at my job.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2017 about Vehicle loan or lease (Loan) with GENERAL MOTORS FINANCIAL COMPANY, INC. (TX).
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint: Gm financial is who are loan is with we joined the  XXXX  and sent in are paperwork for the service member civil relief act and they dont want to honor this act

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with BWW Law Group, LLC (MD).
Issue: Loan modification,collection,foreclosure

Complaint: This is a complaint against BWW Law Group which is a debt collector and as such is liable under the CFPB for it 's actions. 
I have submitted a complete application for a loan modification to the debt collector, BWW Law Group, on numerous occasions to the present. I have received letters dated XXXX XXXX, 2015, and XXXX XXXX, 2015, denying my application for a loan modification. I timely appealed the denial. To date, BWW Law Group has not responded to my appeal of the denial, and as such, no foreclosure sale date can be scheduled pursuant to the CFPB. 
Pursuant to 12 C.F.R. 1024.41 ( g ) ( 1 ), if a foreclosure action has already been filed and it is more than 37 days before a foreclosure sale, and the borrower submits a complete loss mitigation application, a servicer can not " move for a foreclosure judgment [ including a dispositive motion like a motion for default judgment, on the pleadings or summary judgment ] or order of sale or conduct a foreclosure sale until there has been a final outcome of the decision process for the loan modification. " The CFPB requires that the appeal must be reviewed by different personnel than those responsible for evaluating the borrower 's application. And, within 30 days of the borrower making an appeal, the servicer must provide a notice to the borrower stating the servicer 's determination of whether the servicer will offer the borrower a loss mitigation option based on the appeal. Id. at XXXX ( XXXX ). 
BWW Law Group, profoundly ignoring the CFPB, is dual-tracking me in order to foreclose on my home, going so far as to schedule a sale date of XXXX XXXX, 2015. 

Debt Collector Address : BWW Law Group, LLCXXXX XXXX XXXX. 
XXXX XXXX, Maryland XXXX ( XXXX ) XXXX ext. XXXX ( XXXX ) ( XXXX ) XXXX ( XXXX ) XXXXXXXXXXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2015 about Credit reporting () with CITIBANK, N.A. (NY).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: While reviewing my XXXX credit report of XX/XX/XXXX, and XXXX of XX/XX/XXXX, I noticed that CITIBANK NA employees had initiated an unauthorized and fraudulent inquiries into my credit report. I did not authorize and/or consent to anyone employee of CITIBANK at any time during this relevant period to view my credit report, absent which this is in clear violation of my Privacy Rights and FCRA Section XXXX b ( c ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-04-2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CO).
Issue: Problems caused by my funds being low

Complaint: Wells Fargo, the worst bank ever, to manipulate your savings and checking accounts, to their benefit and create fees that lead to overdraft fees, when infact your account IS NOT IN A INSUFFICIENT STATUS! My wife and I are retired and on a fixed income. We have been banking with a local credit union for many years and a few years ago that there would be additional benefits to having another bank, so we opened a savings and checking account with a small branch of Wells Fargo, located in a XXXX store. We did notice when opening our accounts that the WF branch had " NO SECURITY '' what s ever. The Teller cages are in the open and banking clients are seated side by side and required to discuss their private and personal financial matters while being subjected to sharing a closet like room with the bankers and WF clients. This is totally against FDIC rules for privacy and security. We 've brought this security and privacy issue to the officers at this branch and they tell us that the WF home office is working on a plan, but this dialog just keeps going on year after year. My wife and I work with a WF assistance vice president/personal banker. We 've had the recurring problem, that Wells Fargo will manipulate our accounts, allowing them to charge fees for what they claim to be insufficient funds. They even charge fees to transfer OUR FUNDS from savings to checking. In seven days XX/XX/XXXX the stole a total of {$82.00}. When we went into the branch to discuss this issue with our WF ass't VP/personal banker, at which time she left this closet office, where my wife and I are standing shoulder to shoulder with other banking clients. She returned with a woman we had never seen or knew and this person proceeded to get in my face and without privacy or security and ordered us out of the WF branch, in front of XXXX and the whole world. Fortunately I walked away and since then I 've been attempting to have WF refund the {$82.00} they stole from us and now the Ass't VP, a employee of WF of XXXX years will not speak with us and refers us to the rude person who told us to leave their unsecured office. When I Googled ; Wells Fargo Complaints ; I could not believe what I was seeing. WF has XXXX of complaints for the very reasons we are requesting our {$82.00} to be refunded, which WF is dening. This is so WRONG in so many ways, and WF needs to make restoration to us and ALL the XXXX they are, have been and are continue to do illegally on a regular basis. Have you ever heard of the 21st Century Act, created by Busch, that supposively gives banks the right to extract funds from customers accounts without their knowledge and only finding out when WF notifies you that your account has insufficient funds and they'very charged your account with OD fees. 
WELLS FARGO NEEDS TO BE STOPPED FROM DOING THESE ILLEGAL ACTS OF THEFTS AND THE BANKS OFFICERS AND STAFF!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2018 about Debt collection (Medical debt) with HCFS Health Care Financial Services, Inc. (MA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: I have tried to file a dispute with XXXX  and XXXX for this debt. There are several issues that are incorrect but the debt collector 'XXXX   XXXX XXXX XXXX ' has claimed their information is accurate. 

My bankruptcy completed on XX/XX/XXXX and I paid XXXX XXXX XXXX directly on their website with my XXXX credit card. I never received any statements beyond the first one, nor did I ever receive any collections notices because the debt was paid. 
As of XX/XX/XXXX a collection account appeared on my credit report saying that it was opened in XX/XX/XXXX, and that I owed 3 times as much as what I originally said directly to the hospital in XX/XX/XXXX. Not only should this debt not have gone to collections because it was already paid off, the hospital apparently sold my debt to collectors that opened a NEGATIVE remark on my report more than a year after my debt was paid. I have disputed twice to have them verify the dates but nothing has been done. If this can not be removed from my report, the least they can do is correct the dates to XX/XX/XXXX instead of XX/XX/XXXX. The collections account is still showing as OPEN on my XXXX  report, although it also says discharged w/bankruptcy below that. 
Ica n't do much until housing/vehicle wise until this is straightened out. Please help.

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 09-12-2017 about Student loan (Federal student loan servicing) with GREAT LAKES (OH).
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint: Long story short. 

They make it as confusing and difficult as possible to get information -- and subsequently submit -- for a forbearance or deferment. 

I had to do a forbearance with them before, and it was never that much trouble. 

I consider myself very tech savvy, and it confused the XXXX out of me. 
Which is bad because I 'm the one everyone calls to explain stuff to them. lol If I 'M having trouble with their fiery hoops and feel like just giving up and the mountains of crud, I can only imagine someone not as familiar with forms and more " technical '' jargon. 

Used to be able to do it online. 

Now they require going to several sites, printing paperwork, downloading and installing an app, then waiting to contact them again ... Then filling out more paperwork. 

That does n't seem right. 
Especially since there is a strong profit motive to them putting barriers in peoples way.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation