milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/19/2017 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: In XXXX 2016 I pulled a copy of my credit report. I sent a certified letter to SYNCB/Walmart which was listed on my credit report on XXXX XXXX, 2016 which was signed for on XXXX XXXX, 2016. I requested validation of this account. On XXXX XXXX, 2016 I sent another certified letter in reference to the same manner. I pulled another copy of my credit report on XXXX XXXX, 2016 and noticed that this same company had not furnished the credit bureau 's with the required disclosure within the required period by law. I sent a certified letter on XXXX XXXX, 2016 to SYNCB/Walmart informing them that they had not furnished the credit bureau 's with the required disclosure, within the period required by law. Federal law requires them to place a " notice of dispute '' on my account within 30 days of my original dispute which they signed for on XX/XX/2016 certified mail. Copies of my credit report are enclosed with this complaint to show clearly that the " notice of dispute '' is not showing. This report was printed on XX/XX/2016 which is well over the 30 days that they had by law to comply with the federal law. SYNCB/Walmart is clearly in violation of breaking federal laws.

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 06/16/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with The CBE Group, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Hello. I received a collection notice. I put in writing ( within 30 days ) that i dispute the debt. I requested proof of debt. They did not respond to my letter. I never received proof of debt. Now this collection account is on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2017 about Payday loan, title loan, or personal loan (Personal line of credit) with NAVY FEDERAL CREDIT UNION (SC).
Issue: Charged fees or interest you didn't expect

Complaint: On or aboutXX/XX/XXXX I open a bill consolidation loan with Navy Federal Credit Union loan number XXXX : I have refinance this loan on or aboutXX/XX/XXXX I consolidated 4 loans 3 auto loans as well as a charge off account of {$10000.00} credit card debt : Which has been charge off for over 1 or 2 yrs  ago. with interest and fees from the charge off credit card debt : On or about XX/XX/XXXX I received a redress payment for only 2 out of 3 loans for about {$1500.00} from a settlement between Navy Federal and Consumer Financial Protection Bureau for bad collection practices I guess : " Complaint '' My bill consolidation loan is due on the 12th of every month and since I have not made the payment for XXXX as of yet : Navy Federal Credit Union has been taking money from my saving account and checking account and applying it to my current loan : I am only 2 weeks behind on my current loan and Navy Federal is transferring small amounts of my money from my saving account to my loan : On XX/XX/XXXX {$38.00} was transfer from my checking account to my current loan without my consent : On XX/XX/XXXX {$18.00} was transfer from my saving account to my current loan without my consent : This has been going on for a few months now : I only discover the theft today on XX/XX/XXXX : I was not aware or was not notify that fees or collection fees would be transfer from my saving/checking account without my permission : To be apply to a current loan : My current loan is not 30 days past due or 60 days past due and has already been charge fees : I pray for CFPB help and relief one more time in this matter : Thank You

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have never had service from XXXX. I do not owe them anything because I did not have service. I also should not have a negative mark for XXXX. I have made three payments to them in attempt to settle the debt. Please dispute these XXXX items against me? Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2015 about Debt collection (Non-federal student loan) with Allied Interstate LLC (AZ).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: I have told them repeatedly that I am not allowed personal calls at work and they keep calling. I am going to lose my job if they do n't stop.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with JPMORGAN CHASE & CO. (NM).
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint: Im asking Chase to stop making credit inquiries every month!!!

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2017 about Credit reporting () with Collection Bureau of the Hudson Valley, Inc. (CT).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I made a payment arrangement with CBHV and sent a written request to remove all verbiage pertaining to dispute and to report accurately to all XXXX credit agencies to reflect the 6 months of on time payments as agreed. To this day they have not responded adequately.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Mortgage (Conventional home mortgage) with PHH Mortgage Services Corporation (TX).
Issue: Trouble during payment process

Complaint: This problem has been escalating since XXXX XXXX. 

PHH Mortgage Services, XXXX Mortgage XXXX, Mt. XXXX, NJ XXXX XXXX This company has been constantly harassing me and my family to the point of affecting our well-being and our state of safety. 

PHH Mortgage Services, XXXX Mortgage XXXX, Mt. XXXX, NJ XXXX XXXX I have never missed a payment they are all done electronically through my XXXX bank account. The mortgage service company XXXX, has been claiming I owe them thousands of dollars and late fees since early XXXX. I have already made a complaint against them because every time I try to contact their customer service all they want to hear is " how am I going to pay ''. 

PHH Mortgage Services, XXXX Mortgage XXXX, Mt. XXXX, NJ XXXX XXXX After the last complaint I was told that it was all about a {$36.00} escrow shortage. I immediately paid XXXX/XXXX/XXXX but that did not stop the constant belligerent phone harassment from PHH Mortgage Services. I have tried everything possible to rectify this debacle. I have all documentation that I never missed a payment. I can only retrieve the last 6 months ( see attached ) but I 'm sure I can contact XXXX to go back further. 

PHH Mortgage Services, XXXX Mortgage XXXX, Mt. XXXX, NJ XXXX XXXX Please help. This company is ruthless and relentless in their harassment and my family is at their wits end. I am afraid something bad is going to happen and then I will have start suing PHH Mortgage Services, XXXX Mortgage Way, Mt. XXXX, NJ XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2016 about Credit card () with WELLS FARGO & COMPANY (AZ).
Issue: Other fee

Complaint: Originally I filed a complaint under case number XXXX concerning the sale of a credit card debt from Wells Fargo Bank to XXXX XXXX XXXX. There were XXXX basic issues in that complaint. 1 ) I had never received an accounting of how the balance was determined ; and 2 ) the fact that Wells Fargo had issued me a check in the amount of {$300.00} dated XXXX/XXXX/XXXX for an administrative error which was questioned. 
After the complaint was filed, Wells Fargo did provide documentation of the balance which I am satisfied with. However, they have never explained where the administrative error check came from or how the amount was determined. Since then I contacted XXXX XXXX of Wells Fargo who had sent the balance information. He called on XXXX/XXXX/XXXX but could not explain the administrative error check and provided the name XXXX XXXX who would call me back. XXXX XXXX called later that day. She stated it was not an administrative error but an inconvenience payment. After several questions she could not answer why the payment was made or how the amount was determined. She said she would call back after she spoke with the XXXX XXXX XXXX. I have attached a letter from myself and documents from Wells Fargo.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (CA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: From XXXX XXXX to the present, Synchrony Bank has been calling my cell number from XXXX times per day, as early as XXXX XXXX. After the phone call they send a text. I do not have a balance with this bank. My account was paid off in early XXXX XXXX. Multiple calls have been placed to request that they cease their advertising or marketing tactics without success. When I call their XXXX number back, it takes me directly to their automated system which indicates I have a zero balance They need to be regulared and fined.

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 01/20/2018 about Debt collection (Other debt) with Pinnacle Credit Services, LLC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX XXXX Account # XXXX Original Creditor XXXX XXXX XXXX XXXX Company Sold - Account Type Collection Account Date Opened XX/XX/XXXX Account Status Open Payment Status - Status Updated XX/XX/XXXX Balance {$480.00} Balance Updated XX/XX/XXXX Original Balance {$480.00} C/O XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX This debt was removed then went back on my report. It is not accurate and it had been sold mulitple times. I also have disputed this as not mine but a family member who used my old account to add themselves to mine. It is also being reported twice and it is same account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: Dear Representative, I had my loan on a deferment due to a hardship caused by unemployment. My loan was on a 1.25 % APR because I made my payments on time for the last 17 years, it was 1.75 % fixed rate, and it got reduced to a 1.25 % fixed APR. Since Navient took over the only thing I had had is issues. They change my deferment payment plan many many times without contacting me, and without reason. Their employees do not know what they are doing. 

After my 18 month deferment ended, they started to charge the auto debit payments again, which was declined because I had a new bank account number. They did not email me or contact me to notify me that a payment was going to be charged. I gave them the new information twice as the first one was not processed due to their incompetence. 

Now, they are charging me the wrong interest rate of 3.00 %. My rate was changed when I went to the deferment payments. Deferment payments should not change the APR in the account, I contacted them, and spent hours in the phone, and they always give me a different response.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Loan modification,collection,foreclosure

Complaint: A financial package was submitted for the borrower 's to be reviewed for a loan modification on XXXX XXXX, 2015. The submission date is XXXX days before any scheduled sale date. Wells Fargo Home Mortgage has not provided an ackowledgement letter confirming receipt of the package or a missing documents letter within XXXX days of the submission date ; therefore delaying the borrower from being reviewed for a loan modification within a reasonable time. We are requesting an acknowledgement letter confirming receipt of the package and a missing documents letter which details ALL the pending documents needed so the borrower may be reviewed for loss mitigation options within a reasonable time-frame as allocated by the Consumer finance protection bureau.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WV).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have been out of collage for over 20 years and owe more now on a loan I have been consistently paying then when I took the loan out. 
I am a XXXX who qualifies XXXX for Public Service loan forgiveness -- however -- due to the practices of a company I fortunately am no longer with I can not use this Shortly after I graduated my loan was sold to Sallie Mae -- I had no say in this and it took many years and law changes for me to be able to transfer my loan. 
I have a fixed interest rate at 8 % and Sallie Mae would change this at whim to as high as 40 % -- I often did not notice this till tax time -- when I would call them they would put it back but I was told nothing could be done about the accrued interest it was a computer error. 

Sallie mae told me they did not offer public service loan forgiveness -- or any other of the relief programs offered by the government because they were a private lender ( so I was unable to have an income based payment of any kind ) Recently about 2 years ago my loan was able to be move ed to XXXX XXXX XXXX -- I filled out all the documentation and for Public Service Loan forgiveness and I qualify for the time I have been with them ( my school qualifies and I am on a income based repayment plan ) -- however for the years I was not with them I did not qualify because I was not an an income based repayment plan ( through no fault of mine the company did not offer it and I did not choose the company I had no say in them getting my loan ) So even though I am no longer with Sallie Mae they are still drastically effecting my ability to repay this loan -- not only did the principle double while I was with them -- but they did not offer federal programs that would of allowed me to be nearly finished paying this loan. 

During the time I was with Sallie Mae I was in a better financial situation-and was able to pay my loan consistantly-Since XXXX 2011 my husband has become a XXXX XXXX veteran -- we have been living on XXXX salary ( mine ) I have had to place my loan in deferment in order for us to survive while we are working on getting him social security. Even though I support him XXXX financially I am not allowed to claim is as a dependent on my taxes which would help lower my income sensitive repayment -- -- -I do not know if you send information to the government on possible relief situations but for those XXXX XXXX persons or spouses of people with XXXX XXXX I believe there should be some sort of loan forgiveness program And as far as the public service loan forgiveness is concerned maybe some changes should be made -- -If a person meets the job qualifications they should qualify no matter what type of repayment schedule they were and are on -- -as I am sure Sallie Mae is not the only company that does not offer income based repayments Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2016 about Consumer Loan (Vehicle lease) with AMERICAN HONDA FINANCE CORP (OH).
Issue: Managing the loan or lease

Complaint: I leased a XXXX Honda Odyssey from Honda Financial Services. I have sent them a promissory note for ocer of {$43000.00}. Now the company says they habe no record of my note and has not credited my account. I have had to result to pay with federal reserve notes instead. I am asking that since my promissory note was not returned within the alloted amount of time that my account be credited if the promissory note was was deposited and the debt should be dischsrged if the note is not accepted.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XX/XX/2017 I am being hit with a hard inquiry from XXXX. 
This was fraud as I did not apply for one from them. 
I was told this inquiry would be removed and still hasn't transunion and XXXX were also gon na remove it but still have yet to do so.

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 01/21/2016 about Consumer Loan (Vehicle loan) with CarMax, Inc. (CA).
Issue: Taking out the loan or lease

Complaint: We have been making {$1000.00} payment since XXXX ( payment 24 ) to pay off the vehicle early ; I have called numerous times complaining about the payment history not reflecting the payment ; instead they are moving the payment due date into the future ; it appears they are charging double finance charges ; payment is $ XXXX/monthly which includes interest however, you will see separate charges for additional interest and the interest charges seems to be excessive. 
I ca n't even understand the payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2017 about Debt collection (Medical debt) with Healthcare Collections-I, LLC (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: this company just put a deerrogatory on my credit report and this debt was paid directly to hospital over 9 months ago. i am enclosing a copy of the online receipt for this account.

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 08-09-2017 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (IL).
Issue: Trouble during payment process

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 180 days past due as of XX/XX/XXXX to XX/XX/XXXX 90 days past due as of XX/XX/XXXX 60 days past due as ofXX/XX/XXXX 30 days past due as of XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXXI am not sure how this happened, I believe that I had made my payments to you when I received my statements. How can you report me late so many times when I have records of paying?

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 04-11-2017 about Consumer Loan (Vehicle loan) with JPMORGAN CHASE & CO. (CA).
Issue: Managing the loan or lease

Complaint: I pay my auto loan payments early each month and Chase Auto Finance is charging auto loan Interest from date of previous payment rather than Interest accrued during monthly biilling period.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2016 about Consumer Loan (Vehicle lease) with U.S. BANCORP (NY).
Issue: Managing the loan or lease

Complaint: The moment you are 15 days late on your car Payment US. Bank call the house no exaggeration 7 days a wee 2 times a day harassing you for the payment. I have the phone records to prove as the number purposely comes up unavailable because they know what they are doing is wrong calling a person as many times as they do and they need to be reported and stopped.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2017 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (ID).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: XXXX 2016 I noticed a negative item on my credit report reported from TRANSWORLD SYS INCXXXX. It claimed to be for a debt to XXXX XXXX XXXX for {$340.00}. Prior to this I have not received any notice of this debt. I found XXXX numbers for XXXX XXXX XXXX by calling my local hospital and searching the web - XXXX have been disconnected ( XXXX and XXXX ) and the third was for another firm that had no record of an account under my name ( XXXX ). I then called Transworld, who indicated the debt was from XXXX 2016, but they had no information on what the bill was for, nor were they able to provide me with contact information for XXXX. They did indicate that they would contact XXXX to request the original bill and send it to me. 

My complaint is that my credit score has been severely hurt by this small bill that I have no information about and that, even after filing a dispute and calling, ca n't seem to get any details about. I pay my bills on time and would be happy to pay this bill, except that neither XXXX nor Transworld can tell me to whom to pay the bill, or explain how I 've never received a single letter or invoice about this debt prior to it appearing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2015 about Bank account or service (Savings account) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Account opening, closing, or management

Complaint: Hi. We are XXXX XXXX XXXX XXXX. On Friday, XXXX/XXXX/15 XXXX XXXX Pacific time, we called ING Direct bank to close our savings accounts. ING Direct XXXX bank is an online/internet bank that is now owned by the Capital One bank. Our call was routed to a representative named XXXX. XXXX without our permission opened a new account for me ( XXXX ). Her action is the exact opposite of what we intended to accomplish. We believe the bank records telephone conversations and our equest is that someone listen to the recording. At the end of the call XXXX transferred the call to the security department to finish the transaction. Our thought was that the final step was required to close-out the account. XXXX transferred the call to XXXX in the security department. XXXX said " he does n't understand and that it show on his screen that we tried to open an account and that the call was transferred to him due to security issues regarding opening an account. XXXX mentioned that once our call ends he will talk to XXXX regarding why she tried to open account ''! We thought the matter was resolved with XXXX 's help. Howeever, about XXXX hours later we received an Email from Capital One - ING Direct XXXX - that in order for us to finish setting up our newly created account we need to call the bank. Let us repeat, WE DID NOT call to open an account. The intention of the call was the exact opposite, we called to close our accounts!

Company response to consumer: Closed with explanation