milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/27/2017 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (ME).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I am the Rep. of my sisters estate. I called Synchrony Bank to get the balance that was owed before it went into collections and I was told they could not give me that info due to the fact it was closed out. I in turn said you are the bank that held this account and they still refused to give me the info. I wanted the exact amount owed before any interest accrued and she repeatedly told me they do not have that info. This was for a Walmart card and I am trying to take care of the bills for the Estate. Synchrony Bank is refusing to work with me on this matter and having to get in touch with XXXX debt collector is causing much XXXX, I just want to get htis over with.

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 10-10-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am not aware of this debt and do not know how it originated. I have always been in great standing with my cell phone provider. I was a victim of identity theft several years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2015 about Other financial service (Debt settlement) with Century First Credit Solutions (NY).
Issue: Excessive fees

Complaint: the company promised to combine my debts for into XXXX monthly payment. they were to get in touch with each creditor and make arrangements for smaller payments. after three months of payments to the company, they never made any contact with my creditors, or rendered any service of any kind to me. now they are giving me the runaround as to returning my money. i believe that this company is a fraud and should be reported and penalized.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 08-11-2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (MD).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I made a purchase online through HSN.com. In order to get promotional offer, I was told I needed to open an HSN card which I did. I made a purchase on XXXX/XXXX/XXXX for {$130.00} then another purchase on XXXX/XXXX/XXXX for {$47.00}. In the month of XXXX, I called inquiring about the credit card and was told the bill would be generated in XXXX. I waited until XXXX, once I received the bill, I made the payment on XXXX/XXXX/XXXX for the total {$180.00}. On XXXX XXXX, XXXX, I was then charged finance charge of {$4.00}, then on XXXX/XXXX/XXXX was then charged a late fee of {$27.00} and on XXXX/XXXX/XXXX minimum charge of {$1.00}. In fact, I was n't aware I had those charges on my account. HSN or the credit card company did not notify me so I was under the impression I paid my credit balance in full. After I found out about the charges, I called HSN spoke  to a representative who stated they will look into it and freeze the account. I was n't comfortable with the fraudulent charges so made the payment once again on XXXX/XXXX/XXXX of {$59.00} simply because I do not want it affect my credit score. Now my account is at {$0.00}. Today, I checked my account there is a finance charge of {$1.00}. First of all, I would NEVER shop at HSN the  worst and I would like to know why do they keep incurred another charge of {$1.00} towards my credit card when in fact I made all payments included the frudelent charges the placed on my account. Please help, I am frustrated and will to file a lawsuit against this company!!!!! Please contact HSN at XXXX.

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

Complaint: equifax - they mishandled my information, which puts me and millions of other people at risk. 

I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution and compensation in the form of a free ssn  change and identity theft services.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2017 about Bank account or service (Checking account) with CITIBANK, N.A. (NY).
Issue: Account opening, closing, or management

Complaint: I have been banking with Citibank for 4 years, 2 weeks ago I opened a savings account, funded it with {$3000.00} only to be told a week later that they were closing it due to XXXX. No one will give me any information, I have never banked with another company. They is on the verge of destroying my credit. My rent, car note, car insurance, loans and credit card payments all come out of that account. No one will give me a bank account. And I have done nothing wrong.

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 08-01-2016 about Mortgage (Conventional fixed mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (NJ).
Issue: Settlement process and costs

Complaint: i had the same issue with this company before the issue was never solved. i agee to a loan modification they signed the agreement i signed the agreement. the agreement now they are going back on agreement no taxes or insurance is supposed to come out of the payment they say my county says we were behind my county says they are lying

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I advised AFNI on several occasions that this debt is not mine. They will not remove this from my credit report nor have they provided PROOF that this debt belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2016 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (FL).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: Re-Inserted accounts violate the FCRA and needs to be remove permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Once again, Equifax denied me a the yearly free credit report I 'm entitled to. I answer all their questions correctly, but they denied the report nevertheless with no explanation whatever. For how long are you going to allow them to get away with this practice, as it is a violation of federal law?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-12-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: On Sunday, XX/XX/2017, I attempted to make my monthly loan payment online ( through navient.com ) with additional funds ( more than the amount due ) allocated to a specific loan. However, the Navient website does not allow users to allocate extra money to a specific loan. Instead, Navient allocates the extra funds across all of the loans, by default. The only way to allocate additional funds to a particular loan is to contact Navient Customer Service by telephone. 

This resulted in 2 issues : ( 1 ) I was unable to allocate additional funds to a particular loan through the website, and Navient 's Customer Service department is closed on the weekends. This resulted in my payment being 1 day late. 
( 2 ) I called Navient Customer Service on XX/XX/2017 to pay my bills and to allocate additional funds to a particular loan. The Customer Service representative indicated that the funds would be allocated accordingly, and she twice confirmed the specific loan number that would be receiving the additional funds. 

On XX/XX/2017, I checked my account online and found that, despite my explicit instructions to allocate additional funds to a particular loan, no money was applied at all toward that loan. Instead, Navient allocated the entire payment ( including the additional funds ) across all of my loans without applying any of the money toward the particular loan I had identified. 

The fact that I am unable to allocate payments through the website ( and instead am forced to call Customer Service ) is burdensome enough. This is further compounded by the fact that Customer Service is not always available to assist with this task. Finally, Navient 's Customer Service incorrectly allocated my most recent payment ; this requires immediate correction. Please note that I also sent an email regarding this issue to Navient 's Office of the Customer Advocate last night. As of this writing, I have received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I contacted experian on Tuesday XX/XX/XXXX 2017. Regarding incorrect information on my credit report and was told they could not remove address that were not mine nor names. Experian credit file does not match the other 2 reporting agencies.

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 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Problem with fraud alerts or security freezes

Complaint: I May or may not be part of the XXXX credit information hack. I can not be certain since its been shown reliably that the XXXX  verification tool is giving out bogus information. And therefore now have to take proactive steps to ensure i 'm safe. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by XXXX, XXXX, or TransUnion in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information, without my consent and I should not be required to pay them additional money to protect my information, Especially when companies like Trans union have in the last week redesigned their website to promote a " credit monitoring '' Service instead of linking directly to a credit freeze application. Thees " bureaus '' are doing a POOR job of protecting my information, then want me to pay them to protect it, FROM THEM The sheer hubris of this in light of the failures by negligence of their actions in the first place is astounding.. Thank you for taking time to read my complaint.

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 08-11-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: For months now, Navient has continued to improperly bill me for Private Student Loans that have been paid off. Following some refunding they did re : an earlier issue in XXXX of this year, in XXXX, they missed billed me for {$600.00}. After a couple of calls to them, a refund of that amount was set up, and the XXXX Navient Rep. I called in this regard guaranteed the he made the needed changes to their automatic billing system so that the incorrect billing would not reoccur. But, on XXXX XXXX, it happened again for that same amount. After several phone calls, I was told that, supposedly, the refund for XXXX had been approved and is was awaiting for their Monetary Department to make it happen. Today is XXXX XXXX, and the refund still has not arrived. I am having a hard time deciding if it is their plan to stall and hold onto such moneys for their financial gain, or if it is simply ineptitude. Either way, shame on Navient!

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2016 about Debt collection (I do not know) with Debt Recovery Solutions, LLC (VA).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: My cfpb information is falsified.

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 07/14/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (MS).
Issue: Loan modification,collection,foreclosure

Complaint: I was off on maternity leave and my husband was laid off also, I just went back to work and my husband is still not working so I went to my lenders and asked if they would modify my loan with them they told me that I could n't because my loan is n't really a mortgage loan it is called a XXXX loan and they do n't modify those. I asked if there were anything else that can be done they told me no. I was n't aware when I closed on my home it was n't a mortgage loan. 
I 'm filing this complaint because I need assistant with saving my home and are open for any suggestions that you may have to assist me in doing so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2016 about Debt collection (I do not know) with CCS Financial Services, Inc. (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: CCS collection company calls me all day and night i have told them to stop i do not know what debt or they have not provided any kind of document they are just annoying

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SANTANDER CONSUMER USA HOLDINGS INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: In XXXX there was a vehicle loan taken out through Santander USA that involves my name and my data birth I 'm not sure if the other identifying factors are associated with it it appears on my credit report I have tried on a number of occasions monthly since XXXX when I found out about this vehicle loan to get it removed and find out information about it I have yet to receive any information from Santander USA

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (IL).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: Today  XXXX / XXXX /  XXXX  , I tried to contact the compa ny US  Bank to settle all the charges in my account, do not agred with all the interest charges they charge me twice on the same day, have me in collections for late fees, when been making my payments on time.     Any help, I appreciated it. Thanks.      XXXX   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 04/18/2015 about Credit reporting () with EQUIFAX, INC. (LA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I pulled my Equifax report to review it. I submitted a dispute for XXXX creditors that are very old and over the limit to stay o my report. Equifax refuses to have them remove or they did not take the step to either review them. The answer I received was not what I indicated on the dispute. So this tells me that the company do not carefully read the disputes or plain do not understand what they are doing. 
Can you reach out to them to have this matter resolved to have the old creditors deleted from my file?

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: For at least XXXX year, XXXX payments on my student loan have been reversed, with no notice or explanation. I have called the student loan company several times and asked for detailed documents showing my payments and resulting balance due. I have not received the items requested. I have been told both by collections and customer service that they can only submit another " research request '' but can not explain the reversals or offer any documents showing that my loans are being paid down. Consequently, I believe that my loans are not being paid down. I am constantly being called by the company and asked to submit payments, which are then reversed. I need someone at Navient or XXXX XXXX to give me a full explanation in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
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: I have inquiries with equifax that was deleted because, I did not authorize them and no knowledge of some of the companies. Equifax added these inquires back on without any notifications to me and i have tried resolving the issue with Equifax with no success. 

The inquires are listed below : XXXX XXXX XXXX - XXXX XXXX XXXX/XXXX/XXXX ) * XXXX XXXX XXXX XXXX - ( XXXX ) *XXXX Loan - ( XXXX ) *XXXX XXXX # XXXX ( XXXX ) * XXXX XXXX XXXX ( XXXX ) *XXXX XXXX XXXX XXXX XXXX XXXX *Eagle Louisiana XXXX XXXX XXXX XXXX *XXXX XXXX ( XXXX ) *XXXX XXXX XXXX XXXX XXXX ) *XXXX XXXX, XXXX XXXX XXXX ) *XXXX  XXXX ( XXXX ) * XXXX XXXX ( XXXX ) * XXXX XXXX XXXX XXXX XXXX ) * XXXX  Bank XXXX XXXX ) * XXXX ( XXXX XXXX * XXXX ( XXXX ) * XXXX XXXX XXXX XXXX ) * XXXX XXXX XXXX XXXX ) * XXXX XXXX XXXX XXXX ) * XXXX XXXX - XXXX XXXX XXXX ) * XXXX XXXX XXXX ) * XXXX XXXX XXXX ( XXXX ) * XXXX XXXX XXXX XXXX ) * XXXX XXXXl XXXX XXXX ) *XXXX XXXX ( XXXX ) *XXXX XXXX ( XXXX ) *XXXX XXXX ( XXXX ) *XXXX XXXX ( XXXX ) * XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX Financial ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) * XXXX XXXX XXXX XXXX ) XXXX XXXX Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Financial ( XXXX ) * XXXX XXXX XXXX ) * XXXX XXXX XXXX XXXX ) * XXXX Na. ( XXXX ) * XXXX XXXX XXXX Services ( XXXX ) * XXXX XXXX ( XXXX ) * XXXX  Finance # XXXX ( XXXX ) * XXXX bank XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ) * XXXX bank ( XXXX ) *XXXX ( XXXX ) * XXXX ( XXXX ) * XXXX XXXX XXXX XXXX ) * XXXX Louisiana XXXX ( XXXX ) *XXXX XXXX Bank XXXX XXXX XXXX ) *XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX * XXXX XXXX ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Problem with fraud alerts or security freezes

Complaint: I have issue with the Virginia law ( and other state laws ) that allows credit reporting companies like XXXX, XXXX, and Equifax to charge a fee in order to place a freeze on an individual 's credit report. 

Since these companies can not guarantee protection of the personal data of American citizens, we should not have any barriers for the protection of personal identity and financial standing. 

I did not have to pay a freeze with Equifax because my personal information was most likely compromised from the recent breach. 

I had to pay a {$10.00} fee to XXXX, which I have issue with. 

I have been unable to place a credit freeze with XXXX due to technical issues on their website, but they also charge a {$10.00} fee, which I have issue with.

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2016 about Bank account or service (Checking account) with MUFG UNION BANK, NATIONAL ASSOCIATION (CA).
Issue: Deposits and withdrawals

Complaint: I went to Union Bank XXXX XXXX XXXX on XXXX/XXXX/2016 early morning. I asked XXXX XXXX to reissue a cashiers for me because the spelling of the name of recipient was wrong. She rejected, and told me to go to downtown Union Bank that issued the check. I am so surprised that same Union Bank do not honor its own check. 
I had no choice but went to downtown LA Union Bank, the traffic was so bad, I stuck on freeway over an hour due to the oil pipe was leaking. Union Bank LA told me that any Union Bank shoud issue another check for me. 
I went back to XXXX XXXX Back in the afternoon. After I told my story, branch manager told me that he wanted to hear what XXXX XXXX said instead of checking the record to see if I went to XXXX Bank. He said that he will coach XXXX XXXX if it is true. I believe he should coach XXXX XXXX before she started working in Union Bank. Anybody with brain should not reject the check of its own bank. I was so surprised what a branch manager did to me, so I said no wander the teller did what she did. He said to me immediately that he did not believe what kind of customer I am. He encourage me to complain against him. 
My checking account # XXXX XXXX XXXX Extra Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (IL).
Issue: Deposits and withdrawals

Complaint: Chase bank allowed an unauthorized withdrawl from a 3rd party representing themselves as me of over {$6500.00} from my checking accounts despite multiple egregious and obvious errors in documentation ( deposit slip had XXXX different misspellings of my name, transaction occurred in a state which I have never banked ). Furthermore, despite an initial attempt that was thwarted ( a bank associate attempted to contact me but it was days before my wedding so i was unavailable ) but failed to make any notation of the account and the 3rd party went to a separate branch and completed the transaction. Chase refused to initiate an investigation until I signed an affadavit ( which delayed the start 3 days as I was again getting married and not near a chase branch ) and has gone 12 business days with no contact or action ( despite a claim of an already absurd 10 business day turn around ). Chase 's verification and consumer protection processes in the branches are clearly insufficient and create significant risk to consumers. Furthermore, Chase expects customers to be able to absorb a financial impact of this size for a period of nearly a month with no recognition of the impact on their day to day lives a loss or communication as to the status of the claim along the way.

Company response to consumer: Closed with monetary relief