milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-11-2015 about Credit card () with SYNCHRONY FINANCIAL (NY).
Issue: APR or interest rate

Complaint: I have a Banana Republic Credit card, administered by Synchrony Bank. I 've had the card for a couple of years and maintained good standing / payments. The bank as recently informed its card holders that the APR is going up from -- and already high 23.99 % to 24.99 % for no apparent reason, effective XXXX/XXXX/15. The company simply explains this increase : " These changes are being made to align pricing across the Gap Inc. Credit Card program. '' It seems usurious for a bank to do this without any trigger. Perhaps it 's legal, but it seems unjust and plain greedy.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Pacific Union Financial, LLC (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Good Afternoon, Hello, my name is XXXX XXXX and I am writing to dispute the late reporting of payments on my credit report which has brought my credit score down a lot. XXXX XXXX, the Senior Mortgage Loan Officer, informed me that Pacific Union is reporting 30, 60 and 90 day late mortgage payments. She also told me there is nothing she can do about it. However, I have never been that late on my mortgage payments. I also put in a modification request last XXXX and was place on a four month trial beginning in XXXX XXXX. As of XXXX XXXX, my new monthly payments were {$710.00} a month and I have been making these payment on time since XXXX XXXX. Therefore, I am requesting that Pacific Union remove the false late payment reporting immediately and update all three credit bureaus of my new monthly payment. For further information, I can be reached at ( XXXX ) XXXX. 

Thanks In Advance! 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/24/2015 about Credit card () with BMO HARRIS BANK NATIONAL ASSOCIATION (FL).
Issue: Billing disputes

Complaint: I have contacted BMO Harris in regards to XXXX credit cards that I did not receive and was instructed to file a police report for fraudulent charges made on the XXXX credit cards. On XXXX XXXX, 2015 I was told to file a police report and that once the police report was received a resolution would take 7-10 business days and replacement cards would be mailed. On XXXX XXXX, 2015 I submitted the requested documentation and have contacted BMO Harris several times to follow up on the situation but when I call I receive different information as to what is going on. The very long hold times and lack of current updates have become very frustrating. I just want this issue resolved.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2017 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid this account with the doctors office in full. They mistakenly turned it over to Transworld Systems Inc. Transworld Systems Inc then placed a " Major Deragatory '' on my credit report. I had a arrangement with XXXX and honored it. To make matters worse XXXX misdiagnosed me and almost XXXX me. Thankfully I was rushed to a competent physician and had XXXX with in hours.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2015 about Mortgage (Other mortgage) with JPMORGAN CHASE & CO. (CO).
Issue: Application, originator, mortgage broker

Complaint: I went into Chase bank to look into consolidating my debt. The one thing that I said was I did not wish to touch my Mortgage with XXXX XXXX, since I had less than XXXX left on it. When I went in to review what they could do, they had all the checks made out for the various debts, AND one to XXXX XXXX, for my mortgage. I felt pressured into signing the agreement, which put me into an interest only mortgage, and I was never able to get out of it. I eventually sold my home, and felt that Chase would not work with me to reduce the interest rate when I signed up for the " affordable housing '' program. I had to resubmit the paperwork every 90 days ; the contact person who was handling my account would not call me back, and eventually her voicemail was full and I could not leave her messages. I eventually had to declare bankruptsy, and even though I was able to sell my home, and pay off the interest only loan from Chase, it is in the record that the mortgage was included in the bankruptsy, which it was not. That does not look good on my credit record, AND it is incorrect. I have tried to clear this up and have it corrected on my credit report, but to no avail. I am very dissappointed with Chase bank. I will never recommend them for anything. I am embarrassed that nothing seems to have changed that would change the meltdown we had with XXXX from happening again, and thus I do believe it will happen again.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2016 about Bank account or service (Checking account) with EARLY WARNING SERVICES, LLC (FL).
Issue: Account opening, closing, or management

Complaint: Early warning services is reporting inaccurate reports showing that in the past my account such as XXXX XXXX, XXXX New York XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, Were updated closed but not in a good standing. All my bank accounts balances were paid to XXXX. There is no balance owed on any of the accounts There not advising of why the accounts were closed accurately. Which is hindering me from opening up a bank account in my name.

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 CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I checked my 3 credit reports and saw inquires from auto companies. I tried to call the credit bureaus to dispute the inquires on my reports. I was told they can not dispute inquires, but to contact the companies. I wrote letters to each company that was on my report that I didn't authorized. I mailed them certified by us mail on XX/XX/XXXX and put current licences and copy of ss card. I got letters back from Capital One Auto Finance for all the different car companies that is on my credit reports as inquires. It says my Social Security Number was confirmed with all the inquires, they did not send anything I signed just a letter saying they confirmed with ssn. The letter also says if I believe its fraud and to dispute it I need to mail in several items like police report, application reference number, signed letterhead from the dealership requesting inquiry. How am I suppose to produce this info if Ive never went into a dealership to apply for a car loan. Some of these inquires date back to XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: The full balance was paid in Full for the purchase of a XXXX. The payment was made by check and in one payment. We made it very clear to the lender that we wanted to pay the balance in FULL and have a {$0.00} amount to owe. I received another bill for XXXX the next month. I called and spoke to the account handler through XXXX and they said it was a mistake and would have it removed it was a computer/system mistake that automatically went through and was charged to my account and they had simply failed to remove it, it was a mistake and they would take care of it. I received a bill with XXXX late fees the next month and it kept adding up for 12 plus months. After calling customer service through Bowflex I was informed to send proof of payment in full. I sent XXXX a copy of the transaction from the bank account in which the money was taken out to pay the balance in full, Now this collection company keeps sending me a bill for {$340.00}. I spoke to a lawyer and told me not to pay it, because I had already paid the balance in full and the only other payment amount I could be responsible for would be the one month late fee of {$28.00}. even though the company acknowledged that to be a computer mistake. What can I do to get this taken care of. Thanks XXXX XXXX phone XXXX email : XXXXXXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-06-2017 about Debt collection (I do not know) with Collection Bureau of America Ltd. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a letter today ( X/X/17 ) from Collection Bureau of America stating that I owe {$36.00}. It notes the Current Creditor as XXXX XXXX XXXX. The letter states that if I do not notify their office in writing within 30 days, they will assume the debt is valid. It then states that if I do not pay the debt within 30 days, they may submit a negative credit report to a reporting agency. It is signed XXXX XXXX, Debt Collector. I had never heard of XXXX XXXX XXXX before I received the letter. I 've certainly never had an account with them or owed them any money. After reading other consumers ' stories about Collection Bureau of America, I 've come to the conclusion that this is completely fraudulent. However, I am worried that they will submit a negative credit report like they said.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2017 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Transaction issue

Complaint: Over paid Synchrony Bank {$1200.00} after a stop check payment failed to attach. Called Synchrony Bank on XX/XX/2017 and they said I had to wait 10 days for the overpayment check to clear and another 2 weeks to process reimbursement to me. I do n't understand why a financial institution would take two weeks to process reimbursement. It seems like it 's a great way for a financial institution to collect interest on money that does not belong to them. The women I spoke with did not provide any type of confirmation number to evidence that the request had been made and that reimbursement would follow according to schedule. I am submitting this complaint in the event other Synchrony Bank customers are experiencing similar delays and also to ensure that reimbursement will occur as promised.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2016 about Consumer Loan (Vehicle loan) with TD BANK US HOLDING COMPANY (MA).
Issue: Taking out the loan or lease

Complaint: TD BANK, XXXX ( TD AUTO FINANCE ). TD BANK WAS PAID OFF ON XXXX/XXXX/2016 BY XXXX XXXX XXXX XXXXXXXX. FOR THE AMOUNT OF {$19000.00}. THIS WAS TO COVER THE PAYOFF OF MY AUTO LOAN ( PAYOFF {$19000.00} ). THEY DID NOT CASH THE CHECK TILL XXXX/XXXX/2016. I HAVE CALLED THREE TIMES & THEY TOLD ME THEY WOULD MAIL OUT MY CHECK FOR {$230.00} ON XXXX/XXXX/2016. I CALLED AGAIN ON XXXX/XXXX/2016 & WAS TOLD I SHOULD GET MY CHECK BY THE 2ND WEEK XX/XX/XXXX. 
I BELIEVE THEY ARE HOLDING MY PAYOFF TOO LONG, DO I HAVE ANY RECOURSE??

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2017 about Debt collection (Medical) with Phoenix Financial Services LLC (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I 've recently pulled my credit report and discovered that this company has reported that I owe them a debt. To my knowledge I have never done business with this company and neither have they provided me with services or goods

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
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: Experian reporting account that were not mine. Under FCRA, I have sent several letters to request proof of that these accounts are mine, and all they send me is a reply that they are verified. I have sent several letters via certified mail The accounts listed as negative XXXX XXXX XXXX XXXX XXXX XXXX ... 

collections accounts XXXX XXXX They are required under FCRA to provide original documentation and have not provided me with any proof they are my accounts as required under FCRA section 609.

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 12/15/2015 about Consumer Loan (Installment loan) with Bliksum, LLC (CA).
Issue: Taking out the loan or lease

Complaint: I WAS QUOTED 35% FOR A LOAN. FROM LOAN ME. ONCE I GOT THE LOAN I RECEIVED LETTER STATING I WAS GOING TO BE CHARGED 85%  BECAUSE OF MY CREDIT HISTORY. MY PAYMENT WAS DEFERRED UNTIL XX/XX/XXXX.  TO CHARGE ME INTEREST AT 85% ON THE FULL AMOUNT.  IS TH IS LEGAL?  IF I PAY THE LOAN OFF ACCORDING TO SCHEDULE I WILL PAY XX/XX/XXXX ON A XX/XX/XXXX LOAN.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (MO).
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint: regarding my recent late payments in relation to my medical issues. 
I am requesting late charges be waived and removed from my account. 
And also removed from the consumer reporting agencies. I would like to have my minimum payment amount lowered. 

Respectfully, 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 monetary relief
Consumer complaint received 05-04-2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (OH).
Issue: Struggling to pay mortgage

Complaint: This is a new issue regarding an ongoing foreclosure. In short, I 'm in the process of providing  one fin al piece of information that  Select Portfolio Servicing , Inc.  requested regarding a loan modification application that I completed on   XXXX   XXXX   XXXX  . As part of the completed process,  SPS  did take action to cancel a pending sale that had been scheduled for    XXXX   XXXX   XXXX   . In their letter regarding that cancellation,  SPS  indicated that the  XX/XX/XXXX  sale was canceled, and no further sale was rescheduled. They also said they would advise me in a new date was scheduled. However, on   XXXX   XXXX   XXXX  , the attorney representing SPS -   XXXX   XXXX   XXXX   XXXX   - filed another 'Praecipe Order of Sale ', and as a result of that Praecipe  XXXX  a new sale date of   XXXX   XXXX   XXXX   has been set, with a 'back-up ' date set for   XXXX   XXXX   XXXX  . In a phone call today with the ombudsman fo r SPS, t he representative,  XXXX   XXXX , said there was no sale date scheduled, nor an order of sale issued. I was placed on hold while she called the attorney firm mentioned above, and when she came back on the line, she confirmed that no date had been scheduled or ordered by their law firm. This is the second time in the past year that I hav e been working with SPS on the one hand ( the first time being validation of debt issues, which has still not been validated ), and on the other hand, the attorney group has filed an Order of Sale. This is a clear   illustration of 'dual tracking ' because I submitted a 'Facially Complete ' loan modification application on  XX/XX/XXXX , and yet, another sale date has been scheduled. On top of that, contrary to their earlier statement via letter, I have not been informed of that date b y SPS, an d only learned of it by checking th e Court dock et. Further, on their own monthly  statements to me, SPS reflects that only 1 foreclosure notice has been submitted, but that is not true since 2 have now b een submitted.     What would be a fair resolution to this issue?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (NV).
Issue: Loan modification,collection,foreclosure

Complaint: Nationstar Mortgage LLC is not following HAMP Guidelines when reviewing distressed homeowners for loan modifications. Nationstar is not providing full reviews and is merely doing some secret calculation to determine a homeowners ' eligibility for a modification. Nationstar is not providing the appraisals or the data used to run the calculation for a modification in violation of State and Federal law as part of the denial process. When a homeowner requests the XXXX values used to input the HAMP calculation, Nationstar is refusing to supply the information as part of the appeal process.

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have received and successfully completed a trial loan modification with my servicer, Wells Fargo Home Mortgage/ASC. Wells Fargo now requires an arbitrary and highly unusual condition in order for me to obtain a permanent modification. Wells Fargo had made the out-of-ordinary demand that I obtain a subordination agreement from the existing XXXX mortgage lien holder. Prior to this unusual requirement, Wells Fargo demanded I obtain a lien release. I was working on the XXXX requirement for the lien release and suddenly the XXXX requirement for a subordination agreement was presented to me. The XXXX requirement came with a deadline - end-of -month XXXX 2015. Failure to provide this unusual requirement will cause Wells Fargo to declare an unjustified default. Wells Fargo is in XXXX lien position and the modification has not changed that. Wells Fargo demanded this arbitrary condition because they prefer to profit from foreclosure. I should be able to provide the necessary items to obtain the subordination agreement but because of the manner in which this demand was made, more time is needed. Wells Fargo is treating me differently compared to almost all other borrowers who have obtained a loan modification.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2015 about Debt collection (Federal student loan) with Forster & Garbus LLP (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: ( XXXX " XXXX '' XXXX a legal representative of Foster & Garbus XXXX XXXX XXXX XXXX XXXX New York XXXX Phone : XXXX or XXXX ) has made harassing phone calls within the course of three months with an attempt to collect a student loan debt in the amount of XXXX. XXXX XXXX called my home three weeks ago regarding this matter. I explained to him that I am unable to pay on my debt due to the fact that I am unemployed, XXXX and that I have an open case with Social Security XXXX Administration and I am waiting for a hearing date to meet with the judge regarding my claim. Which could take anywhere from six months to another year. Every time he calls I explain the same thing to him. He totally ignores my statement. Questioning my personal life. Asking me who I live with and if my significant other can pay my debt. I told him he wo n't its not his responsibility. XXXX XXXX also threaten to take legal action against me if I refuse to repay my debt. 
I guess he feels that he has the right to harass me. He does n't some should address this matter and inform him that it needs to stop. He call me today at XXXX today regarding my loan. I 'm keeping record of the amount of times he calls me. Thank you for your time.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Checking or savings account (Checking account) with TD BANK US HOLDING COMPANY (NJ).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: I am a freshman at XXXX College. I opened a student checking account with TD Bank because before I moved in, I spoke with a branch manager in the XXXX branch who told me his wife worked at the college and there was a TD ATM on campus. Not true. That means I pay {$3.00} every time I withdraw money. I try and get money when I buy items at the bookstore etc to avoid that fee but in my last statement, I noticed I got charged {$3.00} for a " Bal Inq Fee. '' I feel that this fee was not explained nor is it fair. I think they are taking advantage of me as a student and I want my money back for the fee ( and the {$1.00} paper statement fee too ), since I did not get told about that fee either. I am considering closing this account altogether since I feel that they misrepresented the ATM location too. I thought that banks were supposed to treat students fairly but that is not how it appears.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/15/2015 about Debt collection (I do not know) with Diversified Adjustment Service, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: i 'm STILL getting regular phone calls from a robot identifying itself as " Diversified Adjustment services '' and it 's driving me crazy. they call at various times, sometimes waking me up. they fill up my voicemail. i have no debts! XXXX of the numbers they call from is XXXX it 's been MONTHS!

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
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 was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX Account # : XXXX I was never late 30, 60, or 90 days late in the months of XXXX, XXXX and XXXX. Im not sure how this happened, I have alway made my payments on time to you when I received my statements. My only thought is that there was a billing error with my statement.

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Vehicle loan or lease (Loan) with TMX Finance LLC (IL).
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint: XX/XX/XXXX XX/XX/XXXX tried to pay back the loan but charged me outrageous rates.

Company response to consumer: Closed with explanation