milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I had an account with XXXX XXXX when I purchased my XXXX lawn mower in XXXX XXXX. I set up automatic payments from my account and every payment was made on time. In XXXX, XXXX XXXX took a payment early, thus making two payments in one month period. They then said I did n't make the following month 's payment and it was n't I received notice that they said I had skipped a month that I realized there was an issue. I called them and they said go ahead and do not make an extra payment and then we will correct it on our side, using the double payment to be the skipped month 's pament. They agreed that I had made the payment on time and would fix their records. Well, they never did. I continued to make payments until I received a notice from Synchrony telling me that they sold my account to XXXX XXXX XXXX and I still owed a balance of {$2100.00}. This letter was dated XXXX/XXXX/XXXX. I did not open it until XXXX XXXX and continued my automatic payments to XXXXXXXX XXXX and they apparently just passed the payments to XXXX XXXX. The mower should have been paid off in XXXX XXXX yet they still said I owed a balance of {$910.00}. 

I called XXXX XXXX and XXXX XXXX to resolve the situation. After many calls, emails and letters mailed it was resolved. On XXXX/XXXX/XXXX, I received a letter from XXXX XXXX stating that the account is considered closed, I had no further obligations and that the account would be removed from my credit reports. XXXX XXXX did do what they stated. 

My credit reports still shows late payments and an open account with XXXX XXXX for the lawn mower. It is impacting my credit score and I would like that account to state closed with no late payments. As this was an error on XXXX XXXX 's part, my credit reports should not show ANY late payments and this account should be closed, in good status. Please help this get fixed on my credit report. XXXX XXXX is terrible to work with and it was n't until 2 days ago when I applied for a loan that I am STILL being impacted by them. This should have been reflected a year ago and they have neglected to keep their promises. They are terrible and their business practice is deceptive. A number of people that I have spoken to about them have stated similar occurrences happening to them. I refuse to have another card with them and recommend no one deal with them unless you want to be conned out of money.
Please help me get this fixed on my credit report. This should state account closed in good status, with no late payments. Thank you for your assistance with this matter as XXXX XXXX has not been helpful getting this fixed.

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 06/22/2016 about Credit card () with SYNCHRONY FINANCIAL (DE).
Issue: Late fee

Complaint: Synchrony Bank charges interest on late fees. They said that late fees are considered part of the total payment and purchases.

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
Consumer complaint received 07-08-2015 about Credit card () with Convergent Resources, Inc. (AZ).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Since about a year after I bought this house, I 've been getting these letters from a collection agency, saying that I owe them money. I 've never heard of this 'original creditor'- XXXX XXXX Bank XXXX They keep adding interest to it, too! I 've never heard of these people! It 's now up to {$20000.00}. Why would I want to pay a creditor money that, as far as I know, I 've never heard of, or done business with! If this were possibly a legitimate, then I think that someone has used my identity without my knowledge in the past! This does not show up in my credit report, either! I 'll enclose their recent letter with this online letter to you.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I need some help with saving my home from foreclosure. I am behind in my mortgage payments and am in foreclosure with a sale date scheduled on XXXX/XXXX/16. Wells Fargo/ASC said they would review me for a loan modification and I have provided all requested documents to them. I just need to make sure the sale doesnt take place that is scheduled on XXXX/XXXX/16. Please help me in any way possible, 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 08-10-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Equifax improperly lists a tax lien for which the filing was *withdrawn* ( not just released ). 
Under the IRS XXXX XXXX program, the item should be removed from my credit report. I filed a dispute with Equifax , and attached the withdrawal notice ( IRS Form XXXX [ Withdrawal of Filed Notice of Federal Tax Lien ]. The ( terse ) response from Equifax indicated that some database they use was still reporting the filing of the lien. Their response did n't address the fact that the filing had been withdrawn, as evidenced by the notice I attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-10-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: In XXXX 2015, I logged into Navient to find that my monthly payment ( or " amount due '' ) had tripled in size from XXXX. I contacted Navient to discuss my options, and they explained my only option was to apply for an extended repayment plan. To do so, I had to submit some paperwork and pay a {$150.00} forbearance fee, which would nullify my amount due for XXXX and give them time to review my account. I called them back a few days later and found out that my extended repayment plan was approved. When I logged into the account, however, I was still seeing the extremely high amount due that caused me to call Navient in the first place. After several phone calls, it was finally explained to me that due to a billing error, the wrong amount was showing in their system, but they assured me I had been approved for the plan. I monitored the amount due in the days up until my XXXX payment was due, but it never changed. As I 've had several problems with their billing before, I wanted to be proactive and call to make sure my payments were received and in the correct amount. Multiple members of their customer service team, including managers and directors, assured me that I should pay the amount due from the new extended payment plan, and not the incorrect total that was displaying on their website. They made countless promises that the issue would be resolved and there was no chance I would see a " past due '' amount and certainly would not be charged late fees. Two months later, I am being harassed on a daily basis by debt collectors and on top of that, they had the nerve to charge me a late fee. That 's not only something they promised me would n't happen, but the error is theirs to begin with. I 've made more than XXXX calls in the past month to correct the issue, and every conversation ends with a promise from a Navient employee that the issue will be corrected. It still has n't been. It 's amazing that they have the time to call me and email me - from blocked phone numbers and third party email addresses, no less - on a daily basis, but no time to correct their own issues.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Have tried to fix the following problems with the Credit Agencies and sent letters to each company and spoke to them on the phone.
1. XXXX was paid in settlement XX/XX/XXXX Balance ( XXXX ) as of XX/XX/XXXX still being listed in collections, it should have been moved to an account with negative remarks and they are refusing to do so. ( All Three Agencies ) ( XXXX XXXX. ) Want they fined the {$1000.00} and removed.
2. XXXX XXXX XXXX- Paid-In-Full XX/XX/XXXX {$1500.00} still in collections area XXXX, XXXX , Equifax listing as negative account status of Collection/write-off, Fraud. Paid-In-Full, Unjustly harming my credit score. Want they fined the {$1000.00} and removed. ( XXXX XXXX. ) 3. XXXX XXXX - Paid in settlement XX/XX/XXXX {$160.00} Account listed still as Collections/ write-off, There is no collections when account was paid in settlement. I agree that the status can be paid/write-off or paid/closed and the account activity or comments field be utilized to state that the account was a collections/ write-off paid in settlement leaving balance {$150.00}.
" I have return receipt of letter sent to all listed above all claim they have done their part and blame credit agencies. I have even offered to pay the remaining written-off amount if they would take care of these errors all have said no. '' XXXX told me to pay them and XXXX would remove collection effort, lie, I have email from XXXX telling they wo n't remove it from collection it a trademark!

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: trans union has shared my other accounts to show how much I am paying per month on all open accounts and the information supplied is incorrect.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2015 about Credit card () with TD BANK US HOLDING COMPANY (LA).
Issue: Billing statement

Complaint: I recently was approved for a Target credit card. When I went to the company 's website to sign up for online account management I was not allowed to sign up because I would not agree to receive all communication, including monthly billing statements electronically. In addition, I would also have to agree to pay my credit card bill through their website. I declined to sign up. I believe this is unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (MN).
Issue: Loan servicing, payments, escrow account

Complaint: In XX/XX/XXXX I obtained a home equity loan through the XXXX XXXX XXXX. Due to economic circumstances I was in default of both my XXXX and XXXX mortgages. The XXXX and XXXX were eventually modified. The XXXX apparently set aside but did not write off a portion of the debt. The XXXX involved a balloon payment that came due XX/XX/XXXX. I had made all post modification payments as required. Now the XXXX mortgage servicer, Nationstar refuses to offer any reasonable reasonable restructuring of the loan and is demanding payment in full. I have received a letter from an attorney stating they will initiate foreclosure if I do not pay the balance in full. I am also aware they may sue to collect if they so choose. 
It is unreasonable for Nationstar to make such a demand and not offer a rescheduling of the loan balance. I request assistance dealing with Nationstar and hope they will offer a reasonable rescheduling so I can keep making payments.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2016 about Debt collection (Mortgage) with Ditech Financial LLC (ID).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: In XXXX I lost my home to foreclosure. There was a 1st and 2nd mortgage, both held by XXXX ( aka XXXX ). Both mortgages were recorded. 6 months after the foreclosure, I was contacted by XXXX as to how I was going to payoff the 2nd mortgage, which they called a line of credit. I told them it was discharged in the foreclosure as under my state 's laws a MORTGAGE lender has 3 months after the foreclosure to file a deficiency suit, which they did not do. So, I received XXXX for both the 1st and 2nd and filed them with my XXXX tax returns. The following year I received a letter from a collection agency on the XXXX. I disputed it and it went away. The next year a different collection agency contacted me again on the same already discharged debt. Again I disputed and it went away. Then in XXXX Green Tree contacted me demanding payment on the same discharged debt. I provided all the docs disputing it and heard nothing more. Then I discovered they had put it on my credit report, which I disputed it with the credit bureau and got it removed. 30 days later they put it back on now as Ditech Financial, LLC reporting. I disputed it with the credit bureaus again and again got it removed. Today XXXX/XXXX/XXXX I received from Ditech a XXXX Mortgage Discharge for this 2nd mortgage that was discharged in XXXX. I 've heard and read multiple places of this criminal activities by Green Tree which has been closed down by the Feds, and now is Ditech Financial doing exactly the same criminal things.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Stellar Recovery, Inc. (WV).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Had a contract with XXXX.wasnt happy with service.wanted to go back to XXXX.XXXX said they would pay termination fee, and they did! XXXX said we owed more which we did n't.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2015 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My name is XXXX XXXX and I am writing to report an error on my report. I have never had a XXXX XXXX Credit Card. I would like assistance removing this information from my credit report, as this account belongs to my sister, XXXX XXXX, now XXXX XXXX. I also wanted this company to take preventative measures, from now on, to secure the separation of my information with any other consumer with similar identification, such as my sister, and my mother, XXXX XXXX, XXXX XXXX, while married. 

Thank you for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2015 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Our mortgage loan has been perpetually 2 months behind for a year while being serviced by XXXX. While obviously not ideal, we have been paying a full month each month. We received notice from XXXX last month that our mortgage has been sold to Carrington mortgage services and this is where our trouble started. It is now XXXX XXXX with no payment info, no mortgage number, no communications from Carrington. So we called to make our payment and the rep refused to take our payment if we didnt pay at least 2 months immediately. Refused to connect us with a supervisor claiming his supervisor was too busy so my husband left a message with no reply. I felt this had to be illegal and so I looked up this company. They are apprently scam artists and I am unclear why they are allowed to continue doing business in America. 
I am not willing to allow some scam company to foreclose on my home because they thought they bought a mortgage ready to be foreclosed on. 
The rep claims our mortgage states that we are required to always be current because it is an FHA loan, which is the most ridiculous statement ever. Of course you are supposed to pay on time but when you lose the only household income and have no income for nearly 2 months, catching up is newrly impossible. XXXX was understanding and happy to collect the month payment we were able to make every month. 
Our loan doesnt qualify for modification as it is only 2 years old. So all the financial hardship options are unavailable to us. 
I am unclear why this company would be set on foreclosing a home where the owners are trying to pay them and why they would be forcing a home into foreclosure when they literally just purchased it. If they dont want to service the loan they never should have bought it. 
Looking up their record, it obvious there has been no consumer protection agency taking action against them.

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX XXXX issues in Colorado XXXX XXXX, XXXX XXXX, handled my account, I ran up a bill totaling around XXXX and could not pay it on time because I was hurt somehow in the Town of XXXX and XXXX to leave. 
Ended up changing address this happened in XXXX. 
XXXX XXXX could not reach me and by the time they did it had already gone to collections. We tried to settle but they gave us a very hard time. 
I also had Issues with Bank of America and XXXX with a girl named XXXX XXXX from XXXX XXXX XXXX Florida. 
XXXX XXXX who works for the XXXX XXXX XXXX in NY. may also be involved in something. XXXX XXXX of Bank of America might know something t

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 01-11-2017 about Bank account or service (Checking account) with CITIBANK, N.A. (PR).
Issue: Deposits and withdrawals

Complaint: I made a deposit to my husbands bank account in XXXX XXXX from my citibank account from XXXX. in the amount of {$700.00} on XX/XX/2016. That check was cleared and paid for by Citibank. I have the cancelled check and statement reflecting this. Yet, the bank in XXXX XXXX claims the funds were not released from Citibank and they froze the deposit amount of {$700.00} from the acct. At this point we are out of {$700.00} and neither bank takes responsibilities for this. 
I suppose I would have to submit a complaint on both banks as Im not sure where the error lies ... I am attaching copies of cancelled check, and both bank statements referencing the situation,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (GA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: I had 2 credit cards with the XXXX XXXX card. I had card insurance in case something happened and it did. I filed the proper claim with the card company. I was advised I would receive a letter requiring me to return I never received documents. I reached out on several occasions for documents and still have yet to receive.Insurance made 1 payment to 1 account and I filed for both accounts. I was advised I needed to speak with 3rd party company which was a collection company telling me my account have been charged off which should have never taken place. This is at no fault of my own. 
XXXX XXXX XXXX : has never made any insurance payments on my behalf documents always promised but never received was often told it would be emailed but nothing multiple points of communication requesting document noting provided.

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 05-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: My original lender was for a debt of  XXXX  which was  XXXX   XXXX   XXXX .  XXXX   XXXX  cooperation debt was sold to  XXXX   XXXX .  XXXX   XXXX  tasked  XXXX   XXXX   XXXX .  XXXX   XXXX  brought a civil suit against me for the amount of  XXXX  and failed to follow through as a result, the case was thrown out and I am no longer liable for this debt. I have made contact with Equifax to have this removed. The debt is no longer mine and must be deleted from my credit report. Confirmation  XXXX  and  XXXX  was submitted in online disputes. I submitted a copy of the court record stating that the case was dismissed.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (VA).
Issue: Trouble during payment process

Complaint: I have two different mortgages on a farm and a rental property. I have made payments on my loans online every month with any additional leftover money paid toward principal. Starting in XX/XX/XXXX I  had noticed that Well had been placing money into an unapplied funds account instead of toward principal. I had contacted them twice with continued problems. I finally contacted the cfpb last and was told the problem had been fixed and the case competed. I have tried to make a payment again on my account and AGAIN it has gone to unapplied funds. They are holding money and being paid on this money in interest. This problem has not been fixed.

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 04/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Riverwalk Financial Corporation (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Hello, On or around the date of  XXXX   XXXX ,  2017 , I received a notice from my credit report monitoring company th at Deville Asset Management had  placed an account on my file with a balance of  XXXX . I have not received any documentation or debt validation from  Deville Asset Management nor have I received any phone calls stating that this debt belonged to me. I have also submitted a letter to  XXXX  to have this item removed.    I have been researching this company and I have found out that they are NOT BONDED with the State of Texas therefore they are unable   to collect on this debt. This item must be removed from my credit reports.
I also have documentation from the Secretary of State website showing this company is not bonded in the state of Texas

Company response to consumer: Closed with explanation