milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/24/2015 about Debt collection (I do not know) with CL HOLDINGS LLC (MO).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: Continuing to contact me at my place of employment!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2016 about Credit card () with SYNCHRONY FINANCIAL (PA).
Issue: Other

Complaint: I am having an access problem with my Synchrony Bank XXXX store account. This issue has happened in the past, and I thought it was resolved but it is happening again. I am enrolled in paperless billing, and regularly check my online account status. On Monday, XXXX XXXX, I tried to access my account from XXXX different browsers and get the error message showed in the attached screen shot. I contacted the bank, and a supervisor named XXXX submitted a ticket number to the tech support team ( ticket XXXX ) to determine why I ca n't login. He advised me that the issue will not be resolved for 7 or more days. It is unacceptable that a customer can not speak directly to tech support.

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 10-02-2017 about Debt collection (Credit card debt) with Financial Recovery Services, Inc. (MA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The caller from " Financial Recovery Services " called and without disclosing began asking my name, address, social security number, indicating that this was a financial matter and that this line is being recorded. I did not pursue the call any further following this introduction. 
I subsequently looked up the Consumer Finance protection ( this service ), and was advised my rights, i.e., requiring of a written notice, and an chance to not discuss any further without a written notice. The caller was quite aggressive and did not allow me the chance to have a business like discussion of this matter. The telephone number for the caller 's office is : XXXX, and I believe the organization is located in XXXX, XXXX 
Thank you so very much for your guidance. 
Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with HSBC NORTH AMERICA HOLDINGS INC. (GA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I MADE A PAYMENT OF {$800.00} FOR MY CREDIT CARD HSBC ( XXXX XXXX ) THROUGH MY XXXX CHECKING ACCOUNT. XXXX XXXX TOOK OUT {$800.00} FROM MY CHECKING ACCOUNT ON XX/XX/XXXX. I CALLED XXXX XXXX  ON XX/XX/XXXX, THEY DID NOT RECEIVE IT. HSBC HAD VERY BAD CUSTOMER SERVICE.MOST OF CALLS GOES OUT OF USA. ONE CALLS TAKES MORE THAN 30 MINS. XXXX XXXX   EMPLOYEES DO NOT HAVE ANY RESPECT FOR AMERICAN CUSTOMER. HSBC HAD DONE SIMILAR MISTAKE EARLIER ALSO.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I was unemployed, and asked to be switched to Income based payments. XXXX instead put me on forbearance and causing me to incur interest and late payments on my credit score. Having a significant negative impact on my credit score. If I had be put on the Income Based Repayment plans, I would not have incurred more interest and not have missed payments on my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Mortgage (Other type of mortgage) with PHH Mortgage Services Corporation (CT).
Issue: Trouble during payment process

Complaint: I received many calls from PHH mortgage, offering me a reduced interest rate ( from 5.97 to 4.19 ) and a reduced premium over approx remaining period ( from {$1900.00} to {$1400.00} ) I closed on XXXX XXXX, 2017 and my first payment of {$1400.00} on XXXX XXXX, 2017. In mid XXXX I received a letter from PHH that due to escrow shortage my XXXX payment would be {$1800.00}. This unplanned amount was debited to my bank account on XXXX XXXX,2017. I am retired and on a fixed income so I had to rearrange my finances to cover this overage.
I called my loan officer, XXXX XXXX, who showed absolutely any interest in my dilemma but referred me to the escrow department. After spending over 20 minutes with the escrow representative, I was unable to get an explanation for the increase. I however questioned a item on the escrow statement that said escrow refund. The rep. then put me on hold to investigate. After about 5 minutes on hold, the phone mysteriously disconnected. I again left a message for the loan rep. No response. I started investigating my options.
Then in mid XXXX, I again got a letter from PHH that due to escrow shortage, my XX/XX/XXXXpayment will be {$2400.00}. In less than 90 days from closing my monthly mortgage payment has increased almost {$1000.00}.
Again, I contacted the escrow dept and again after some time on the phone I was put on hold and the line disconnected again when the escrow refund was mentioned. This seems to be a business practice of PHH. I am in a worst position now than when PHH offered me this relief.
I was informed at closing that my projected escrow shortage was {$15.00} PHH has had my mortgage for over the last 10 years and my taxes have not gone up. Actually they decreased over the last two years. My insurance has remained the same so I ca n't understand these escrow problems and can not get an explanation from PHH.

Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2015 about Credit card () with SYNCHRONY FINANCIAL (NY).
Issue: Rewards

Complaint: My XXXX credit card account was cancelled without notice. I received no paper or electronic notice. Not only is this inconvenient, but I had reward points that I had not yet redeemed and which XXXX still owes me. The same thing happened to my wife 's account. She spent several hours on the phone yesterday and was told that they no longer have reward points records, although, conveniently, they do have records of outstanding balances. Today, I received an email from the new owner, Synchrony, encouraging me to sign up for a credit card that I thought I already had. I would like to receive a formal notice and explanation of cancellation from XXXX. I would also like confirmation that this will not adversely affect my credit score. Finally, I would like a record and receipt of any reward points.

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have made repeated attempts with Portfolio Recovery to resolve a charged off account from 2010, the collectors and managers are rude and unresponsive to my request to arrive at a reasonable settlement, they demand an amount I can not afford to pay, the account well beyond the statute of limitations and remains on my credit report. The company that purchased this debt from the issuer is located at XXXX XXXX XXXX, XXXX, VA XXXX phone:XXXX, this matter could have been resolved long ago if it were not for the greed this company has demonstrated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/13/2018 about Money transfer, virtual currency, or money service (International money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (MN).
Issue: Fraud or scam

Complaint: I made several international transaction through Money Gram and filed a complaint but have never heard about how to rectify the situation. They were all international transfers that were the result of an romance scam.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2015 about Debt collection (Credit card) with Resurgent Capital Services L.P. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have written several letters to this company asking them to validate the debt. They never respond and continue to report this inaccurate information which is a violation of FCRA and FDCPA. My most recent letter dated XXXX XXXX, 2015 is attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: This is an addendum to complaint XXXX. 
Initially when I called Experian to complain ( my 1st complaint ) about my report and FICO score they said I would n't be charged {$19.00} which was showing as pending when I made the call on XX/XX/XXXX Experian charged my account anyway. I called once on XX/XX/XXXXand another time the week of XX/XX/XXXX to ask them to remove the charge again. The second time they said just ask XXXX XXXX to remove the charge. I said if I do that I am reporting it as fraud. You made the charge for the month of XX/XX/XXXX after I cancelled the account in XX/XX/XXXXand you agreed not to charge me. Experian reluctantly agreed to remove the charge. By XX/XX/XXXX the charge still was not removed ( 2 months after it was charged ). I reported it to XXXX XXXX who removed the charge on XX/XX/XXXX and sent me the attached letter. Obviously Experian ca n't be trusted to correct their own simple billing errors. As I said in my previous complaint : Experian should stop worrying about their sales of credit cards and products and fulfill the job of a credit reporting agency fairly. As the Experian reps told me - Experian has no control over their credit reporting agency, the policies and procedures of their agency, the credit reports they produce, or the FICO scores their agency produces that affect millions of consumers ability to get credit at fair rates based on their credit score and credit reporting history. Experian should step out of the primary credit reporting and scoring company until they can get their act together. Because if this happened to me it has certainly happened to hundreds of thousands if not millions of others. XXXX who has none of these problems should take the lead as primary credit reporting agency for the sake of millions of consumers who need fair and accurate credit reporting and credit scores.

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 09-06-2016 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because Experian has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify those accounts, under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly delete all information which can not be verified, that i have disputed. Please resolve this manner as soon as 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 11/17/2016 about Debt collection (Payday loan) with Midwest Recovery Systems (CO).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I got a new alert today. So when I check my credit report an account was placed in collections for Midwest Recovery Systems with the original creditor as XXXX. 

I have never heard of this company and I did not take out a payday loan with this company. I never received anything from Midwest Recovery Systems or XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2015 about Debt collection (Credit card) with CAVALRY INVESTMENTS, LLC (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: My credit card was transferred to a collection agency a month after I filed bankruptcy. The payment was n't even 30 days late yet. 
And is now reflecting as a collection account on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Late fee

Complaint: I have been making my Kohl 's credit card payments monthly for two years without miss through my bill pay at my bank. 
I see my min payment amt went up drastically this month so I called Kohls customer service to find out why. They are stating my payments have been late for over 7 months! 
They have not. Looking at my payments, I have actually paid the account in advance, plus more than the minimum due. There is a problem between the payments being sent every four weeks ( every XXXX Friday ) and the way Kohls is applying the payment. For example : The due date is the XXXX. If my bank sent payment on the XXXX one month, it is properly applied to the XXXX of the following month. 
But if my bank sends 4 weeks later on the XXXX, it does not get applied to the following month. The next month 's payment goes out 4 wks later on the XXXX, and then they say it is late and charge a {$35.00} late fee- even though this payment is early. This has been happening for over 6 months and I never realized it as I knew I was making my monthly payments for greater than the minimum. So they not only have been charging me late fees for making my payments early, but have also been reporting to the credit bureaus that I have been late when I have NOT. I am very frustrated. I am sure I am not the only consumer this is happening to. We should not be penalized for making payments early. There should be a system in place to prevent this mis-applying of payments and charging unfair late fees to consumers- especially ones like me who have been faithful in paying every single month.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2018 about Checking or savings account (Checking account) with PAYPAL HOLDINGS INC. (NY).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: RE : XXXXXXXX XXXX Account XXXX I, XXXX XXXX XXXX, have a joint checking account with my son, XXXX XXXX XXXX, at XXXXXXXX XXXX. We do not use online banking. I opened my checking statement ( dated XX/XX/XXXX - XX/XX/XXXX ) when it arrived in the mail on XX/XX/XXXX. I noticed there were 11 Paypal withdrawals totaling {$5800.00}. Neither XXXX nor I authorized any of the transactions. In fact, I do not even have a Paypal account. I immediately called the XXXX Fraud Department to alert them to the problem. They placed a restriction on the account. I went to my local branch, ( XXXX XXXX XXXX, XXXX, NY ) the following day, XX/XX/XXXX and spoke with XXXX XXXX. She reviewed the account and noticed an additional {$3900.00} in Paypal withdrawals since the last statement. She also noticed there were three Paypal transactions starting in XX/XX/XXXX ( totalling {$240.00}XXXX XXXX  ) She transferred the remaining balance in the compromised account into another account. I filed a claim with XXXX for reimbursement. XXXX claims they are not responsible for the {$9100.00} since I did not report the incident when it first happened in XX/XX/XXXX. I thought my son had made those transactions ; the sum was small and I did not question it. However, I did immediately question the withdrawal of {$5800.00} when I received my statement on XX/XX/XXXX. I reported the incident to the XXXX XXXX Precinct. 

I also discussed this situation with Paypal. Someone named XXXX XXXX, whom we do not know, created a Paypal account and somehow linked it directly to our checking account. I do not have a Paypal account. We were drained of {$9100.00}. I have spoken with both XXXX and Paypal Fraud departments several times over the past three weeks. I was under the impression Paypal was going to return the money to XXXX. Today, Paypal said they are not responsible. XXXX said they are not responsible. We placed our money in XXXXXXXX XXXX thinking it was safe. Please help me understand how someone who is not an authorized user of my checking account, can open a Paypal account, link it to my checking account and steal {$9100.00}. XXXXXXXX XXXX never alerted me that XXXX XXXX was now a user of my bank account. The fraudulent name does not appear on any of my bank statements. Paypal did not alert me that an account was linked to my bank account. I request the money be refunded to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2015 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (OR).
Issue: Loan modification,collection,foreclosure

Complaint: Requested mortgage assistance options in XXXX 2015. I am in XXXX Bankruptcy. My Bankruptcy attorney received a letter on XXXX requesting all the information I had previously provided. I contacted the lender, Chase, on XXXX occasions by fax and email the same day I received the letter from my attorney. I received XXXX letters from Chase with XXXX subsequent date commitments to respond that were pushed out each letter. The last date has come and gone, so I called and emailed the Chase representative and have still not received a response. I am 19 months behind on my mortgage and not living in the house, nor can I pay the mortgage. I am willing to relinquish the home, conduct a short sale, or complete a foreclosure. I need the house disposed from my assets before the XXXX is complete.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (FL).
Issue: Taking out the loan or lease

Complaint: This is an RV loan negotiated XX/XX/XXXX with XXXX. In XX/XX/XXXX the loan was transferred to Santander Consumer USA. The loan is at 7.25 %. We have called numerous times the latest being on XX/XX/XXXX to ask again that the loan be renegotiated to what the Nat'l average is now between 3.25-3.50 %. They have refused and just today we found out that it is because they did n't negotiate the loan in the first place. We were never told this. No other loan company will work with us either because the loan is {$100000.00} more than what the RV is worth. There are 10 years left on the loan. If we walk away from it-which we really do n't want to do-they wo n't get their monies as we are seniors living off Social Security and annuity.

Company response to consumer: Closed with explanation
Consumer complaint received 12/24/2015 about Prepaid card (General purpose card) with U.S. BANCORP (NC).
Issue: Fees

Complaint: Without receiving any notification that my account had gone inactive I was charged a {$2.00} a month inactive fee. I went to use my card this month and apparently the {$23.00} I had on it had been drained out slowly by this fee. After calling the company they refused to refund my money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I filed complaints on TransUnion , LLC, to the Bureau of Consumer Financial Protection, because of the way TransUnion , LLC was handling my files and disputes. Ever since I have notified the Bureau of Consumer Financial Protection, they have placed my credit file in a specialty unit and have blocked my file from all of the other departments within TransUnion , LLC. However, this specialy unit as the representatives refer to it, states they will need to handle my request or concerns when I call, and they always transfers me to this specialty unit. However, I never reach a live person. A lady named XXXX called me back while I was on the phone with someone, and left me a message. However, she never left her last name, therefore, when I went to return the phone call she was not accessible, because you need the persons last name to access their extention. The lady named XXXX, left me a message stating that she is unable to remove my inquiries, which was one of the concerns I had regarding my credit file with TransUnion , LLC. I have disputed all inquires listed on my TransUnion , LLC credit file with each party/company listed, and I even sent a certified letter to TransUnion. However, they have never taken action to resolve this dispute. However, each company said they would remove the inquiry with all three credit bureaus, because they were unable to provide me valid proof baring my signature that I authorized the entry. However, TransUnion , LLC has still refused to remove the inquires with the permission of all the companies. All of the invalid inquires have been removed by the other two credit bureaus except, TransUnion , LLC. 

TransUnion , LLC has also refused to allow me to dispute any other entries on my credit file, because they have blocked my account from viewing by other TransUnion , LLC employees, therefore, I am unable to have access to my credit file to dispute any inaccurate information. I can not reach the TransUnion , LLC specialty department, because each representative that I do speak to states that there is only an extension number that they can send my call to, and then when you get transferred you end up getting a voice machine, where you have to leave a message, and hope that someone calls you back.

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 01-09-2017 about Credit card () with BARCLAYS BANK DELAWARE (CA).
Issue: Transaction issue

Complaint: I bought something with my credit card from a merchant and had a dispute. The merchant sent me the wrong item. My credit card company asked me to fax information. I let them know that I only have email and no fax. They said that they would pursue the claim without that information and if it fails, they would still reimburse me {$30.00}. I called to check on this. After waiting nearly an hour, I spoke to a representative that told me that they never offered to pay me {$30.00} for the incident. Instead, they would close the case without any resolution. At the moment, they have allowed a merchant to get away with theft.

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