milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-04-2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (IL).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: Hello- In XXXX XXXX I purchased a XXXX exercise machine using a a credit card from Synchrony Bank which advertised no interest or late fees if payments were made on time for the minimum amount due within the promotional period. Below is a table of my due dates, amount paid, and date the payment posted per my checking account statements. 





Due Date : X/XX/17 {$300.00} Post Date X/XX/17 -- Due Date : X/XX/17 {$300.00} Post Date X/XX/17 -- Due Date : X/XX/17 {$360.00} Post Date X/XX/17 -- Due Date : X/XX/17 {$600.00} Post Date XXXX -- For example I paid the XXXX XXXX due date on X/XX/17 in the amount of {$300.00}, and the XXXX XXXX due date on X/XX/17 in the amount of {$300.00}. As you can see I paid well above the minimum required and early, every month. 

I received my XXXX XXXX statement and saw I had been incorrectly charged a late fee of {$25.00}. I called Synchrony customer service on XXXX XXXX to try and rectify the situation. The customer service agent admitted they had not posted my payment of {$360.00} made on X/XX/17, which made my account flagged as late in their system. I pointed out all payments were made early, on time and well above the minimum amount required each month. They would not remove the late charge, but I insisted and they told me it had been removed. They have now incorrectly posted this to my credit score. I am now also responsible for interest payments because they have incorrectly flagged my account as late during the promotional period. 

I have paid early, on-time, and well over the minimum amount due. According to Synchrony 's credit card agreement, I would not be charged late fees, would not have a late payment recorded on my credit score, and would not be liable for interest within the promotional period. I have upheld the credit agreement I entered into, and now my credit score has been adversely affected by Synchrony 's error. They will not remove this record from my credit score.

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 03/28/2017 about Credit reporting () with JPMORGAN CHASE & CO. (MO).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: On or around XX/XX/XXXX I send a letter to chase disputing account XXXX after disputing with the credit bureau in XX/XX/XXXX, and XX/XX/XXXX disputing this account. In which the credit bureau has not provided any documents in which I requested for physical documents since under fcra and fdcpa I have the right to request a copy of documents and a signed contract in my file. Credit bureau told me to contact chase in which I did sending them a dispute certified with return receipt in which I have and it was signed on XX/XX/XXXX by XXXX and I did n't receive anything and even checked my report to see if it was showing as disputes with chase and they failed to contact credit bureau making them aware of my dispute in which that is a violation of FCRA 623 ( a ) ( 3 ). Chase is supposed to report it and did n't. It says once a consumer disputes information, you may not report that information without telling the CRA that the information is in dispute. Also reporting outdated information under section 605. When I last contact chase stating I had no contract with them I was told this alleged debt was sold and they have no clue on who it was sold to and for me to contact credit bureau but nobody is reporting this charge off on my account but chase and the credit bureau told me I need to contact chase so they are both giving the back and forth I want this charge off removed from my report. Clearly chase is in violation of my rights according to FCRA and FDCPA. With failure to notify every CRA Involved that I disputed in which I have a copy of my letter and return receipt that chase signed but failed to report my dispute. Also submit corrected information to CRA subsequent to investigating my dispute. Also refrain from continuing to submit information that it knows or should know is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2016 about Credit card () with JPMORGAN CHASE & CO. (NJ).
Issue: Other

Complaint: I requested a copy of the original signed contracts for XXXX and XXXX. Chase is refusing to comply and send me copies. According to the FCRA Section 609 ( a ) ( 1 ) ( A ) -you are required by federal law to verify-through the physical verification of the original signed consumer contract.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have an Experian member account under the name I use on a daily basis. In XX/XX/2016 I had identity theft. I filled out the FTC Identity Theft Report & police reports using my full legal name as the form requested. 
When I extended my fraud alert to 7 years using my full legal name, I discovered Experian has me in their system under both names, as if I 'm two different people with two different report numbers ; one report number accepted 7 yrs & other asked for same backup info I sent with the accepted report. The Experian site does n't offer an option to correct it. I was on hold 3 hours before I got live person to talk to & was told he could n't do anything about it. And that I 'd have to contact their XXXX which he told me is their Corp office. They are only ones who can fix it. I emailed them & my email was blocked. I 'm dealing with Identity Theft trying to keep my information correct and secure and I ca n't reach Experian, who 's supposed to be protecting it, to put my reports under the FTC ID Theft report number I filed.

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 03/22/2015 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (PA).
Issue: Loan servicing, payments, escrow account

Complaint: PNC Bank acquired mortgage in XXXX 2014 from XXXX. To date there have been XXXX separate errors on PNC 's part to process payments on this mortgage despite electronic transfers

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2017 about Money transfer, virtual currency, or money service (Traveler's check or cashier's check) with U.S. BANCORP (KY).
Issue: Fraud or scam

Complaint: XXXX XXXX 2017 my brother in law called US bank in XXXX Kentucky to verify a check on my behalf ... gave all numbers etc and was told yes ( by the bank manager ) he could take it and cash it there and then or put it in an account and as a cashiers check would be automatically in the account ... the next day XXXX XXXX 2017, as my bank shuts on a Wednesday afternoon, I put the check into my account having got the clerk at the bank to call the same bank, same man in XXXX and was again told that yes the check was good and continue with the transaction ... I, m XXXX so as soon as a check arrives we have to leave it at least 3 working days to  clear, but this check went straight in showing funds ... another company I deal with immediately took funds out, autorenewal that I did n't authorise..as I never keep that sort of money in my checking account ... by the following Monday XXXX XXXX 2017 the funds were withdrawn by my bank ... leaving me to now cover the sum ... plus charged me for a returned check ... My complaint is that I/we was/were told twice by the bank manager that this was a good check, showing funds which were then taken from my account..they should not, in my opinion say that a check is fine and release funds to only stop the check and take them back ... leaving me in a very awkward position, having to close my account and order a new card, waiting for 10 days for that to happen ... unable to do normal business transactions ... as I say, in XXXX, we wait for cleared funds after 3 days, never will show in the account until then, so the account would be safe from unwanted unauthorised predators taking money ... Since then my bank refunded me the fee for returned check but the US bank told me no that the check was fraudulent and no refund available ... nothing they could do ... I was disgusted and have been advised by my bank in XXXX to contact you as a formal complaint against the bank..The bank have all my details for the transaction. Copies of check, entry to my account ... The documents are too big on file to be sent to your complaints.

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 04-04-2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Account opening, closing, or management

Complaint: Bank of America commits FELONY CRIMES AND OWES ME XXXX AS THE FEDERAL LAW DOES REQUIRE!!!!! READ IT AND READ IT AGAIN!!! AND SEE EVIDENCE This legal notice being sent and delivered to you persuant to Florida Statutes 48.081 NOTICE! The use of fictitious names or addresses ( ALL CAPITAL LETTERS XXXX in a private individual 's name, or a ZIP CODE, against the individual 's wishes, is a crime under Title 39 U.S.C. Section 3003, Title 18 U.S.C. 1302, 1341, 1342., and is punishable by up to 15 years imprisonment and {>= $1,000,000} fine. 
As XXXX explains, the full capitalization of the letters of one 's natural name, results in a diminishing or complete loss of legal or citizenship status, wherein one actually becomes a slave or an item of inventory. The method, by which the State causes a natural person to " volunteer '' himself into slavery, is through forming legal joinder, implied or stated, with the entity or legal fiction ( name all CAPS ). Of course, most natural persons would n't willingly form such an unlawful but legally reductionist joinder, so trickery and obfuscation are used ; and this starts when our birth certificates are created. 
[ The initial joinder is formed when a legal Birth Certificate is issued by the State, name in all CAPS. In fact, both the Certificate of Birth AND Social Security number, are for " inventory '' control purposes, similar to the XXXX manifest or those numbers or records used by legal entities or Corporations to track, account for, use and dispose of inventory. ] Bank of America threatens me with extortion stating they will contract with chexsystems to promote negative information about me, this is a violation of my privacy and is another crime committed willfully and with intention!! 
Bank of America also MAKE A HUGE CONTRADICTION in their response saying they can not close an account then saying " they did '' close the account what a bunch of LIAR CRIMINALS, LIAR LIAR LIAR, CRIMINALS CRIMINALS CRIMINALS, EXTORTIONS, LIES, CONTRADICTIONS AND VIOLATIONS OF THE FEDERAL LAW, ALL RIGHT HERE XXXX EVIDENCE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2016 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (IL).
Issue: Problems when you are unable to pay

Complaint: I would like to file a dispute with Wells Fargo Auto Finance. Wells Fargo is negatively reporting a debt owned on credit reports that has already been satisfied from a insurance settlement. The debt is invalid which is evidenced by them releasing the lien of my vehicle and giving me the title. I currently live in Illinois which is a title holding state and a title is not released until loan is satisfied. I have reached to all three credit company 's to dispute this issue but was not able to get it resolved because Wells Fargo is stating that the debt is valid.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Hi, On all three of credit report, my student loan holder, XXXX XXXX XXXX has put my account as either late or delinquent ( the loan is for the amount of in excess of {$75000.00} now, and keeps growing ) for many years now and it has depressed my credit score that I ca n't qualify for an acceptable rate on an auto loan or anything else for that matter of importance, where I desperately need an access to borrowable capital to purchase big-ticket necessities. 

I 've received a letter from XXXX XXXX XXXX that they are recently conducting an audit of their loan portfolio and i know that they 've recently settled with your agencies. 

They 've been harassing me over this loan for more than ten years now and they have made it so that my credit score is so low that I 've had trouble raising my score above 600 for almost ten years, which has kept me not even eligible for ridiculous subprime rates..
Please help me and get this removed from my credit reporting please so that I may get on with my life and be able to finance a car or a home. 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 08/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (KY).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: Equifax removed my XXXX XXXX XXXX that is still open.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My information was mishandled, which put me at risk of identity theft along with millions of others. I am a potential victim of the recent data breach at Equifax according to their equifaxsecurity2017.com site, so I would like a resolution. 
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2015 about Mortgage (Home equity loan or line of credit) with Ditech Financial LLC (NM).
Issue: Application, originator, mortgage broker

Complaint: Green Tree Services had excepted a payment in full and left with just about nothing. Yet they still have a negative on my credit report. XXXX XXXX was going to give me XXXX funds to relocate and XXXX decided they did not want this considering they were not going to get their full payment. So I was forced to settle for XXXX, not once did I have anyone come to my defense in order to get me what could have gone a long way. Malicious acts from those who have power. On top of not giving me the funds, I am stuck with a negative on my credit report till 2020. Some justice.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I am a  XXXX  member. I did n't know   XXXX   XXXX   credit took over  XXXX   XXXX . That time I moved my house. I have n't received any statement. I got the letter from  XXXX   XXXX   XXXX  on last month. So, I call that agency, explained everything. He gave me a fax no XXXX and sent to dispute letter. I sent to the letter to   XXXX   XXXX  . I received letter from the   XXXX   XXXX  , Midland funding LLC take care my case. I called Midland funding but no one responded. I refuse to pay interest and late fees. I can pay how much I spent in  XXXX . They do n't accept that. I do n't want to ruin  my credit score. Please help me how to fix my problem. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2015 about Money transfers (Domestic (US) money transfer) with Google Compare Credit Cards Inc. (PA).
Issue: Money was not available when promised

Complaint: On XXXX XXXX, I transferred {$400.00} from my personal checking account ( XXXX ) to Google Wallet. The transaction ID is XXXX. Google Wallet is an app which is paired with a Google Wallet Mastercard. Its like XXXX except XXXX works as advertised. According to media reports, most of the funds GW holds on behalf of its account holders is held in FDIC insured accounts, but the GW TOC claims that GW is not FDIC insured. Several operators told me GW is not bound by FDIC regs. 

I transferred the money because the UI explicitly and unequivocally stated that the funds would be available in seconds. It stated " Money will be available in a few seconds '' " It may take a few days for your bank account to be debited ''. 

I immediately received an email that the funds would not be available in GW until XX/XX/XXXX. I immediately called GW customer service. The operator stated that this was a recurring problem. She cancelled the transaction, then warned that the money would still be taken out of the account, but that my bank could stop that from happening. She, and several other operators stated that this could not be stopped by GW once initiated. 

I called my bank and was told that stopping such a transaction was simply impossible. The problem is not with my bank. They always do everything right. The money was transferred from my account the next day ( XX/XX/XXXX ). It is now XX/XX/XXXX. I spoke with my bank and a GW manager and XXXX GW operators today. The transfer from XX/XX/XXXX is the only relevant transaction they can see. The transaction appears as failed in the GW dashboard, so my balance there is {$0.00}. The GW operator told me the money " should be '' in my XXXX account. My money is reflected nowhere. I am told it will reappear in a few days. I believe it will. The problem is the button said that the funds would be available in seconds, not weeks. Another problem is that the {$400.00} is not reflected anywhere in the observable universe. If a bank ( or even a small time payday lender ) did this, the FDIC would kick the doors off the hinges and have the place in receivership in an hour. They would be cuffing people. This same dilemma almost certainly recurring XXXX of times a day. I just checked and the UI is still promising " money will be available in a few minutes ''

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX keeps adding balances to my loan account. This is adversely affecting my credit score. I am currently in the process of financing and their frequent updates are detrimental to this process. XXXX  did not have my correct contact information and I was not notified when my loan was taken out of forbearance. 

I took out the loan in XX/XX/XXXX with XXXX XXXX for the amount of {$23000.00}, the school I attended was XXXX XXXX University in XXXX Georgia. XXXX refunded XXXX XXXX XXXX the amount of {$7700.00} on the date of XX/XX/XXXX. Then reducing my balance due to {$15000.00}. XXXX failed to provide me with the paper work showing my reduced loan balance that was due. XXXX failed to provide me with the paper work with my updated reduced interested rate, and they failed to update my account online ( XXXX ) reflecting this change to my account, my account never reflected the reduced balance, nor the reduced interest rate. XXXX has continuously charged me an illegal amount of interest and fees. I had to contact XXXX and provide them with my updated contact info only to be informed that my amount due is {$36000.00}. 

I have been paying on this loan since XX/XX/XXXX- XX/XX/XXXX ( view paperwork it is highlighted ). 
XXXX has been reporting incorrectly to the credit bureaus as FAILURE TO PAY. XXXX has been reporting the incorrect original balance of the loan. 
XXXX has reported the loan as closed/charged- off and has been continuously reporting false, fraudulent, incorrect information. 

Please view the paperwork I have attached. It will show the payment history over the life of the loan to XXXX as well as my credit report that has the incorrect balance and payment history remarks. 

I respectively ask that the dates from XX/XX/XXXX - XX/XX/XXXX be removed and set to current. I also want all loans older than 6 years off of my credit report, as that is more than the SOL ( statute of limitations ) for my state. I request this error be corrected ASAP ( AS SOON AS POSSIBLE ), as XXXX is doing illegal collecting and reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (VA).
Issue: Loan modification,collection,foreclosure

Complaint: Ocwen misdated a foreclosure letter causing me to miss out ona deal to repair my fire damaged house. They also demolished a freestanding garage after foreclosure that was in very good condition, my insurance man valued it at {$20000.00}. This eliminated any equity in the sale. They also listed and scheduled demolision of buildings on a separate lot that I owned free and clear. {$5000.00} worth of tools were taken from an outbuilding on this lot.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2016 about Credit card () with CITIBANK, N.A. (NY).
Issue: Late fee

Complaint: I had a direct payment on line issued on XXXX/XXXX/16 to Goodyear Credit Card/Citibank. My bank showed that payment was made and received on XXXX/XXXX/16, which was due on XXXX/XXXX/16. I received my Goodyear bill on XXXX/XXXX/16, showing payment was never made. I reviewed my on-line account and it showed payment was made and cleared. I contacted my bank and they are looking into it, as the account number is correct. I contacted Goodyear/Citibank and advised them of same, asking them to not charge me the late feel. I offered to show them my bank statement advising of same, but they refused to credit the late fee, stating my payment was late, apparently not even reading my email. I went on line to Goodyear directly, after talking with my bank and made a payment to avoid another late payment. Please assist me in getting my late fee reimbursed, as the payment was made timely, it was an issue with my bank sending the payment. 
I tried to attach my history of payment, but the website would n't let me attach anything

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