milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-03-2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (NY).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: Hello, we are having challenges with Synchrony Bank/JCP ( the Mastercard company for JC Penney ).
The have charged unauthorized *Card Security Fees of {$30.00} per month* for 78 months. ( approximately {$2300.00} ) We have only just discovered this. The total of the fees exceeds the amount we owe the company. Synchrony/JCP says they will investigate and it may take up to two weeks. 

**Additionally we have paid interest fees as a result of these card security fees. We believe the fees have cause us to pay unnecessary interest. 

When we called the number associated with the fees they say they have " no enrollment in the system '' under this account number or name.

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 05/15/2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (CO).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: How many days in billing cycle ending  X/XX/2017    Accrued interest on statement {$55.00} how much of my {$420.00} payment goes to interest and how much toward principal.   I did not request a call from your President 's office and find it intimidating you should have them contact me. Please do n't do it again. I do not want or need to talk to them.   Do I owe any late fees or any other charges How is interest calculated?   Why are the number billing days not stated on monthly bill..

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ALLY FINANCIAL INC. (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I recognized a few hard inquiries on my credit report I have no idea on how they got on there. I did not give permission to search my credit report because I have a vehicle I am already financing and I did not need any other banks looking at my account. The hard inquiries are messing up my credit score and I am trying to buy a house for my family. So if you can find it in your hearts to remove the inquiries that would really be helpful 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 11/23/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Fay Servicing, LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: My Mortgage was sold to fay services from XXXX bankThey have had it messed up from day one first the did not have my escrow payment info said they did not get it from XXXXthen they said my payment was late in the amount of XXXX dollars not XXXX and i owed XXXX of those payment ( wrong again ) I sent them XXXX payment for correct amount girl gave me but she says she can not post until escrow is straighten out that she admitted they have XXXX upThis is going on two weeks now and i am not getting phone calls returned have requested a Supervisor to call me but no action on there partI am in the middle of a refi with another property and am going to lose my refi if i do not show my payment paid in full they refuse to do this return calls because you always get a recording when you do get thru every one is to busy to talk to youI have never dealt with a company this bad in my life0 cutomer serviceMy Credit is getting ding aswellPlease help mealso sending this to my congressman

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 about Mortgage (Conventional home mortgage) with Specialized Loan Servicing LLC (CA).
Issue: Trouble during payment process

Complaint: SLS is my loan servicer that was tranferred from XXXX XXXX XXXX. In XX/XX/XXXX I filed a Ch.XXXX bankruptcy on XX/XX/XXXX our bankruptcy was paid in full and discharged. On XX/XX/XXXX I recieved a letter from SLS stating that we were late on our mortgage payments. I contacted SLS and XXXX XXXX XXXX on XX/XX/XXXX. SLS says the loan came to them behind on payments. XXXX XXXX XXXX says that we still owed fees from the bankruptcy and they collected the fees in XX/XX/XXXX after we recieved a modification. I would like to get a complete payment history from SLS and XXXX XXXX XXXX We successfully paid the terms of our Ch.XXXX they ca n't come back and say we owe money. I would like to get this matter resolved.

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 11/30/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX XXXX is still trying to charge me for phone service I never had. As stated in my previous complaint filed with the CFPB back in XXXX XXXX, XXXX, I have never used XXXX, and have been with another company for seventeen years. The account number on the bill, which is " XXXX '' ( which corresponds with the last XXXX digits of a person 's Social Security number ) does not match mine. In addition, the phone number on the bill is not mine! I happened to have a similar name to the person listed on the bill, so they forwarded this bill to my address, and demanded collection. I called them, and explained what happened, and the XXXX representative promised me that they would call off the collection agency. However, I see that on my credit report, they have still posted me as owing money to them, unfairly damaging my credit. Instead of correcting their mistake, they have passed my name, phone number, and address to yet another collection agency. First, " XXXX '' back in XXXX XXXX ; second, the " XXXX XXXX '' back in XXXX XXXX ( XXXX, which, by the way, apologized and stopped harassing me ). Third, they passed my name yet again to " XXXX XXXX, XXXX '', which not only apologized for bothering me, but admitted that XXXX had passed on to them a fraudulent debt. In XXXX XXXX, XXXX did it again, by passing my name to " XXXX XXXX XXXX ( XXXX XXXX ), '' which acknowledged that the debt was fraudulent, and closed the case. Now it is XXXX XXXX, and XXXX has persisted in sending this " debt '' to ERC, which is offering a settlement. Why should I pay a settlement for a debt that is not even mine?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/13/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: MEMORANDUM TO : OCWEN LOAN SERVICING, LLCESCALATIONS DEPARTMENT, XXXX. XXXX XXXX, XXXX XXXXFROM : XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXREGARDING : ACCOUNT # XXXXWe are writing this letter to appeal the decision for a denial of a mortgage loan modification reason : our loan has already been modified under ( HAMP ). The mortgage was not with Ocwen at that time we received the modification. The mortgage was a variable mortgage and we wanted to get a fixed mortgage so that we could afford the payments. 
Three years later we are still trying to get a modification even though it can be temporary for 6 months or a year as your modification application states. I am unemployed at this time and would like for the payments to be a little lower, or course, foreclosure and short sale is not an option we plan to keep our home. 
We have spoken to Hub approved counseling agencies for these reasons. 
I applied for an unemployment deferment or modificationYou failed to send me an appeal period allowing me time to dispute the decision. 
I pray that this appeal will be what God intends it to be and you would take into consideration for a deferred modification, temporary modification due to unemployment. 
Please find enclosed : Unemployment award letter ( XXXX ) -2 months Statement of earnings, plus Social security XXXX for ( XXXX ) Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2015 about Debt collection (Credit card) with CITIBANK, N.A. (MS).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I defaulted on a Macy 's account XX/XX/XXXX. The account is now listed with Citi XXXX. I have called them at XXXX a month ago and was told that it is past statue in my state XXXX Mississippi XXXX and they would not accept my voluntary payment. I explained that it was still reporting every month negative on my credit and I was told that is XXXX different laws. ( statue and credit reporting ). I disputed the accounts with the credit bureau, but it remains on my credit. I called again yesterday, XXXX and received the same response from Citi. I spoke with the supervisor today, XX/XX/XXXX and was once again told that I can not pay this debt and that it will not be removed from my credit until the XXXX year mark. How can this report to my credit and not allow me to pay the debt to obtain a home mortgage. The balance is only {$280.00}

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/23/2017 about Debt collection (Credit card debt) with CAVALRY INVESTMENTS, LLC (NJ).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I 've had issues with cavalry portfolio services. They purchase old debts threaten to sue you and collect on old debts. My wife and I had given this company money on old debts that I feel they did n't have a right to collect. Anyway now they have their last frutal attempt to collect a debt that is beyond the statue of limitations in my state. They are not the original creditor and it seems they are re-aging the debt so it stays on my credit report longer than necessary. I would like this removed from my credit report and the company punished for being unscrupulous.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/28/2016 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: i opened an account with XXXX XXXX in XX/XX/XXXX and the account was closed on XX/XX/XXXX.This is a negative account that has been on my report for 9yrs now.I ordered my report on XX/XX/XXXX.I received on or about XX/XX/XXXX.As i was reveiwing my report, it appears that this account has been re-aged.The ( DOFD ) " date of first deliquency '' shows XX/XX/XXXX when in fact the original first delinquency is XX/XX/XXXX.I do have supporting documents and a complete payment history on this account from XXXX XXXX supporting this fact.Under the per FCRA, this is a very serious violation.My EXPERIAN report DOES NOT state when this item will be removed XXXX

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 03/15/2016 about Payday loan () with Big Picture Loans, LLC (MN).
Issue: Charged fees or interest I didn't expect

Complaint: I took out a loan from Castle Payday, now XXXX XXXX XXXX. On XXXX/XXXX/16 I got approved for a loan for {$600.00}. It is my understanding that in Minnesota you have to be licensed to lend to residents. To date, I have paid {$330.00} in fees for a {$600.00} loan. I do not believe this company is legal to lend in Minnesota. They say they are governed by Tribal laws, but I do n't see how that can apply to someone who is n't living on the reservation.

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2016 about Credit reporting () with Experian Information Solutions Inc. (IN).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: XXXX XXXX, XXXX XXXX XXXX AND XXXX, XXXX, XXXX COMMITTED F.C.R.A. INFRACTIONS. BY RE-INSERTING ACCOUNT ONTO MY EXPERIAN CREDIT REPORT W/O 5 DAY NOTICE TO CONSUMER IN VIOLATION OF FCRA. MUST PAY {$1000.00} PER THE LAW!

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 06/13/2017 about Vehicle loan or lease (Loan) with ALLY FINANCIAL INC. (NJ).
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint: Company allowed me to lease a vehicle at an astronomi cal " Rent-Fee '' ch arge that should be deemed illegal. After 3  years of paying this disgusting rate, I went to purchase my vehicle through Ally Financial ( the same company I leased the car from ) and they denied me financing. How could it be fair to not allow the customer to buy the vehicle after a lease?

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 01/18/2017 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I submitted a certified letter to Equifax disputed several account that they were reporting.This letter was received by them on XX/XX/XXXX. I recently received their response, in their response that state that this is an Re-investigation, however, That is incorrect because this is an initial investigation. The accounts in question are XXXX XXXX XXXX # 's XXXX and XXXX. XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX and World Finance account number XXXX. 
Equifax was informed that these accounts are not mine, and asked to submit proof of the verification they have supporting their reporting, which they did not. I have personally requested that These agencies send me verification and they have not, so how is Equfiax verifying these accounts without verification? The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2017 about Credit card () with JPMORGAN CHASE & CO. (DC).
Issue: Billing disputes

Complaint: Again chase has acted against the best interest of a customer even in the light of evidence I requested that Chase review some merchandise that was not delivered to me. 
The sent me a note saying that the items were delivered despite my assertions to the contrarry and denied my requests for proof. 
I then supplied a tracking number that isnt mine but was provided by the seller USPS XXXX again notifying them this item, which happened to represent the most expensive of the disputes ( XXXX ) and they ignored my correspondence and denied receiving it. 
I need to have the XXXX ( XXXX/XXXX/16 ), XXXX ( XXXX/XXXX/16 ), XXXX ( XXXX/XXXX/16 ) and XXXX ( XXXX/XXXX/16 ) refunded to my card ending in XXXX. If they choose to dispute these claims then show me the item was delievered to me in XXXX, especially the XXXX. I am 100 % confident they cant for the XXXX charge and I never received tracking information from the sellers on the other charges. 
Chase needs to grant my request for refund and documentation

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XXXX XXXX, Account Number XXXX in the amount of {$1300.00} for XXXX XXXX XXXX XXXX has been deleted from my credit report and now reappeared. I was never given the 5 day notice for the items to come back on my credit report that is required by the FCRA. I was never even contacted by XXXX XXXX so how can they verify the debt with the credit bureaus and not me?

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 12/22/2017 about Vehicle loan or lease (Loan) with TOYOTA MOTOR CREDIT CORPORATION (NV).
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint: Briefly, on XXXX XXXX XXXX, my spouse and I went to XXXX XXXX in XXXX Nevada to purchased a new vehicle. We heard from previous customers that XXXX XXXX has a Lifetime warranty on certain vehicles. We found a XXXX XXXX XXXX so we purchased it. The finance person asked if we wanted an extended warranty which confused us. Instead of arguing, we just said yes to the extended warranty. We put no money down and signed our contract! The next day, XXXX XXXX called us stating that we were not approved for the vehicle loan. XXXX XXXX also stated to return the vehicle or we need to put {$4000.00} down on the vehicle. On XXXX XXXX XXXX, we went back to XXXX XXXX and put {$4000.00} toward the vehicle and signed a new contract. Then, on XXXX XXXX XXXX, we received a letter and a warranty book from XXXX XXXX. The warranty book reflects the following ; multiple complimentary servicing, a complimentary tire for life coupon along with a Lifetime of Ownership Warranty. After that, we were very confused and felt that XXXX XXXX charged us an extra {$1900.00} for an extended warranty when they did in fact have a lifetime warranty! We then contact XXXX XXXX office and notified them. We contacted XXXX XXXX and XXXX said that XXXX XXXX does not offer Lifetime warranty. I notified XXXX that XXXX XXXX, there other company does in fact offer a lifetime warranty. I also stated that per Nevada law, if something is in writing, the business must honor what 's in writing! As of today, we have had issues with our vehicle and XXXX XXXX does not want to honor the Lifetime of Ownership warranty that they gave to all there customers. We feel that this is misleading and possibly criminal! The XXXX XXXX must be held accountable for their dealership actions which must be addressed! Please review our attached complaint along with the documentation provided which goes more in detail regarding this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXXXXXX XXXX XXXX and XXXX cobtinue to report disputed account due to identity theft that has been previously filed and certified mail to each parties concerned yet they claim this debt belongs to me after thorough investigation I have asked for paperwork and or validation of the debt and they have not responded to my request

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2016 about Debt collection (Medical) with Seattle Service Bureau, Inc (FL).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I got XXXX calls from this company, I had several medical bills come in at one time. I was trying to verify when I got another call saying my credit will be ruined by them.

Company response to consumer: Closed
Consumer complaint received 08-03-2017 about Credit card or prepaid card (Government benefit card) with Comerica (AL).
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint: My SSI Benefits were posted to my Direct Express Debit Card on XX/XX/2017 in the amount of {$730.00}. I accessed my card on XX/XX/2017 to withdraw my funds and I discovered that I only had a balance of {$3.00} in my account. I contacted Direct Express on XX/XX/2017 to find out what was going on with my account and was advised that there were over 25 withdrawals against my account over a period of 7 days all coming from a XXXX XXXX XXXX Account ( which I have no idea as to what this is ). I advised them that this was not anything I authorized. Customer service deactivated my current card ( to stop anymore activities from coming across ) and said I should receive a new card within 10 days and I needed to contact their fraud department ( which I did ) and file a report so I could get my benefits back. I filed the report and on XX/XX/2017 I received a letter in the mail from Direct Express which stated the following " The fraud services department has completed our investigation of your claim dated on XX/XX/2017 in the amount of {$730.00}. Based upon our review of the information you provided as well as our internal records and you card history, we can not confirm that fraud occurred. Our investigation indicated that you entered into an agreement with the merchant, and the transaction was processed in accordance with that agreement. You may try to resolve the issue with the merchant directly. '' First of all it was not a transaction it was a combination of over 25 such transactions against my account and what bank allows that to happen with a persons SSI Benefits which they rely on for support every month. I feel like they did not try to retrieve my funds and they should because I reported it as fraud and contacted them as soon as I was aware that my benefits were no longer on my card. Please Help. In fact as I was on the phone with them reporting my claim they could still see charges trying to come through even after my card was no longer active.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-10-2017 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (IN).
Issue: Loan servicing, payments, escrow account

Complaint: I was recently released from XXXX bankruptcy in mid-XX/XX/XXXX and was told by my trustee that I was current on my mortgage via court order. I 've made all XXXX payments since being released in full and on time. However, Nationstar is now trying to collect an additional monthly payment ( {$730.00} ), late fees ( {$78.00} ), and an escrow ( {$450.00} ). The total amount they 're trying to collect is {$1200.00}. They 're claiming that it was owed to them while I was still under bankruptcy. This is against the law. I 've spoken with Nationstar on the phone 3 times to try to clear up the matter, but have yet to receive a response other than " we 'll look into it. '' They also refuse to mail me ANY documentation on the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with MARINER FINANCE, LLC (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I HAVE NEVER HAD AN ACCOUNT WITH MARINER FINANCE FOR ANY TYPE OF TITLE LOAN. THE LOAN THAT THEY HAVE BEEN REPORTING, THEY REFUSE TO IDENTIFY THE ORIGINAL CREDIT AND AMOUNT OWED.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation