milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/27/2016 about Credit card () with SYNCHRONY FINANCIAL (GA).
Issue: Other

Complaint: Please be advised on XX/XX/2016 I sent Synchrony Bank/Amazon credit card information Pursuant to 623. ( a ) ( 8 ) ABILITY OF CONSUMER TO DISPUTE INFORMATION DIRECTLY WITH FURNISHER I sent the correspondence in the attachment to Synchrony Bank/Amazon! Synchrony Bank/Amazon has not provided any documentation as outlined in 623. ( a ) ( 8 ) ABILITY OF CONSUMER TO DISPUTE INFORMATION DIRECTLY WITH FURNISHER ( E ) DUTY OF PERSON AFTER RECEIVING NOTICE OF DISPUTE- After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall -- ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such person 's investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ( E ) if an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified after any reinvestigation under paragraph ( 1 ), for purposes of reporting to a consumer reporting agency only, as appropriate, based on the results of the reinvestigation promptly -- ( i ) modify that item of information ; ( ii ) delete that item of information ; or ( iii ) permanently block the reporting of that item of information

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 04/15/2017 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: My issue is with Experian & some incorrect information that they are reporting in my file. They are reporting a XXXX XXXX account that does n't belong to me. Experian cites the account was discharged through Chapter XXXX bankruptcy, when in fact I 've never filed any type of bankruptcy or owned a XXXX XXXX Credit Card account for that matter. Which leads me to my next issue with them. Experian is also reporting a Chapter XXXX bankruptcy on my file, when in fact I 've never filed any type of bankruptcy. I 've requested validation & for them to remove but they refuse citing unless there is new information from when I originally disputed the XXXX items, they will not Remove or Reinvestigate the Accounts/Judgements. Furthermore Experian refuses to send me the items that were used to validate these XXXX items in my file. I 've had a lot of fraudulent activity on my file in recent years which led me to put fraud alerts on each of my files. Due to that, I 've worked tirelessly over the years to get my information corrected on my files with each Credit Reporting Agency. I 've also verified with all the 3rd party reporting agencies XXXX, XXXX, XXXX, XXXX, & XXXX that no public records, judgements, or tax liens exist in my files. At this point, I feel Experian Never Investigated or Verified the information in my disputes or credit files ... which is a huge violation of the FCRA 15 U.S.C, 1681g. If Experian does n't have any documentation in there files to verify the accuracy of these disputed accounts then they must Delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on m credit reports and distributing them to 3rd parties, Experian is damaging my reputation and credit worthiness.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Debt collection (Other debt) with WELLS FARGO & COMPANY (TX).
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint: I went to close a safe deposit box a t Wells Fargo in      2013.  I physically went to  Wells Fargo location  on  XXXX   XXXX  in  XXXX , Tx to close it again and pay the rekey fee which was {$120.00}. Now 4 years later I received a certified letter on  XXXX   XXXX  stating that I owe {$400.00} as well as {$120.00} rekey fee. I visited the location a second time as tried to pay the {$120.00} rekey fee to close it out but not the {$400.00} accumulation charge because I already tried to close it out i n 2013 and  they  were aware of this. This is a deceptive practice for Wells Fargo to hold the box 4 years to purposely accumulate more charges as i have been stated and attempted two time s to close out this box. Post offices as well as other local banks and companies close out boxes if they are not renewed in an alotted time period and the box ower is charged a rekeying fee. This was not the case wit h Wells Fargo  as there was a lack of communication on their behalf to notify me until 4 years later that I received and continue to receive this absurd {$400.00} charge.

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 10/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (WI).
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: My XXXX card was fraudulently charged on XXXX XXXX. I contacted the card issuer when I received my billing statement in XXXX XXXX. The card issuer called the fraud merchants while I was on the line. The charges were determined fraud, the charges were reversed and a new card was issued. I thought the matter had been resolved. 

In XXXX XXXX the card issuer re-applied the charges to my account. I have made multiple phone calls to protest but my protest has been denied. 

The amounts are XXXX booking fee and a XXXX  hotel charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/17/2017 about Mortgage (FHA mortgage) with BANCO POPULAR DE PUERTO RICO (PR).
Issue: Struggling to pay mortgage

Complaint: I have problem to submit mortgage payment since   XXXX   XXXX     until now   XXXX   XXXX    . The bank BPPR :  Banco Popular of  PR never contact me. I received a letter from a legal firm on   XXXX   XXXX   XXXX     indicating that they represent the bank and will begin foreclosure proces s one mon th of the letter receiving. This action doesnt reflect a good will attitude from the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: My husband and I requested a credit investigation in late XXXX.  XXXX and Trans Union have not responded yet, despite follow-up attempts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: They had me on the wrong payment plan for months, they finally fixed their mistake, but had been overcharging me the entire time

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2016 about Credit reporting () with Experian Information Solutions Inc. (AL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Experian is reporting that I have an open and unpaid judgment in XXXX County, NY court. I have previously disputed with the bureau because the judgment was vacated due to improper Process Service. They have refused to remove the public record. The judgment has been vacated and therefore should be removed from my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/28/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (CT).
Issue: Loan servicing, payments, escrow account

Complaint: I just went through a lengthy loss mitigation lawsuit with Green Tree Servicing. We each had attorneys and once the paperwork started moving, we came to an agreement. I made the XXXX XXXX payments as promised, beginning in XXXX of 2015. The next payments XXXX XXXX and XXXX XXXX were for the same amount. I have all payments sent automatically by my bank so there is no problem and there was none -- until I received the statement for XXXX. There are charges on there that were never mentioned in the agreement. One of them is in the amount {$2100.00}, which was supposed to be a forbearance in interest charges. That was outlined in our agreement. The other is for {$5.00}, which was never mentioned in the agreement and they tell me it is for attorneys fees totaling {$53.00}. They are going to charge XXXX payments of the {$5.00} for that, beginning with the XXXX payment. When I asked " XXXX '' why did I see the {$2100.00}, since that was a forbearance amount, he stated that it was for back interest and I would be charged for that later (? ). When I asked again, he said " I ca n't answer anymore questions, do you want the fax # to write your letter directly? '' What I am looking for is that my agreement be honored ( as I have made good faith payments as promised ) and that Green Tree does not add their bogus fees to my mortgage payments. It is not right and will not go away without intervention.

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 07-03-2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Money was not available when promised

Complaint: About XXXX XXXX, 2017 I left XXXX with 1 XXXX dollars to invest in Bank of Americas Merril Edge in  XXXX XXXX, staffed by XXXX XXXX XXXX who vetted me for 2 hours with my administrator and her husband and informed me in 5 days he would move the XXXX XXXX to his bank. Well sir, it took this yo-yo and 8 ball 28 days to transfer 1 of the 2 accounts and then informed me that the other account could not be transferred. So, ask this bank to share with you all of the phone recordings that was advised on each call. I have spoken with 2 dozen employees of this bank with each one pitching a conciliatory solution to the woes XXXX has caused me. One employee called 5 times with the begging that I would drop any complaint on Bank of America for hiring XXXX. He wears clothes 4 sizes too small for himself, therefor my summation is he thinks he is cute. Well that is a big distraction for him and causing him to forget customer service and using XXXX untruths for sales. <P/>XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX 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 non-monetary relief
Consumer complaint received 05-03-2017 about Student loan (Federal student loan servicing) with GREAT LAKES (WI).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I am a consumer credit  XXXX  working with people with student loans. We currently have  two  clients we are working with who are being garnished for  Federal Student  Loans. On the studentloan.gov website, it clearly states that defaulted loans can be consolidated as long as they are placed into an income driven repayment plan.  Two  former students that we are working with to get their defaulted student loans consolidated were declined by Great Lakes, even though they requested the  Income Driven Repayment. Their only options that Great Lakes gave them were not affordable. If defaulted loans can go into a   consolidation loan, how does Great Lakes have the authority to deny them? We need clarification on this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (NC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX    XXXX   client  XXXX   XXXX  is an identity theft victim. His information was used to try to establish credit accounts without his consent.  I dispute of one such application was sent certified mail to Capital One by our agency on behalf of our client. Capital One replied to our client informing him " no account was found '' and asking for information about the fraud investigator that was assisting the client ; questions like, financial information about the LPOA issuer, the SSN of the issuer, the job title, the home address, things not related to what a Limited Power of Attorney addresses. The LPOA submitted was to speak on the behalf of, that is all. In addition Capital One failed to even read the dispute infor mation provided. We are not disputing an account ; we are disputing an application and requesting the inquiry generated be removed as outlined in the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Payday loan, title loan, or personal loan (Installment loan) with Rapid Auto Loans LLC (MO).
Issue: Getting the loan

Complaint: I applied online for a loan, but not to them. They called me on XX/XX/XXXX and said I was pre-approved for a loan of {$15000.00}. I thought this was a great thing cuz I really need the money. They had all my personal information and checking information so I thought I was directed to them by the internet. First I had to pay {$370.00} on XX/XX/XXXX for a loan insurance due to my credit score being low. No big deal but they would not accept credit or debit card information only prepaid cards like XXXX XXXX, XXXX or what I used, XXXX online gaming cards. I paid that, then they said that I had to pay a interstate tax due to me not being in Florida of {$550.00} on XX/XX/XXXX, I did. Then they called me and said that my bank would not accept the transfer. I need to to use XXXX XXXX or XXXX. But I had to pay the fee of {$500.00}. When I did, on XX/XX/XXXX they said it was a total of a {$1000.00} I needed to pay {$500.00} more. I did that on XX/XX/XXXX. Then they said because it took too many days, that my file had closed and I had to pay {$700.00} to reopen it. I did that as well on XX/XX/XXXX. Now they are saying that XXXX XXXX cancelled the transaction due to it being 5 or 6 days and I had to pay another {$1000.00} to send my money. I said no, I was being scammed. They have said that they are legit, but Ive paid them and not received nothing.

Company response to consumer: Untimely response
Consumer complaint received 02/18/2017 about Debt collection (I do not know) with Resurgent Capital Services L.P. (NC).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Did not provide me with any verification that this belongs to me. I have sent two letters to them with know response. I have sent a certified letter with return receipt. This was removed from my credit report and put back on as a new collection, according to the laws written they are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I have contacted Eqifax. They have begun an investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I CHECKED MY CREDIT REPORT AND FOUND FRAUDULENT ACCOUNTS AND INQUIRIES, I HAVE NOT GAVE ANYONE CONSENT TO USE MY PERSONAL INFORMATION. THE FRAUDULENT ACCOUNT IS FIRST XXXX XXXX & XXXX AND THE FRAUDULENT INQUIRIES ARE ALL OF THEM. FRAUDULENT INQUIRIES ( 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, )

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2015 about Credit card () with U.S. BANCORP (CA).
Issue: Billing disputes

Complaint: ON XXXX XXXX, XXXX I ENROLLED IN A PROGRAM CALLED XXXX SPONSORED BY XXXX XXXX XXXX FOR AMOUNT OF {$1900.00}. THE THIS WAS SUPPOSED TO BE ADVISORY AND EDUCATIONAL SERVICE. AFTER MANY CALLS AND E-MAILS I WAS ENROLLED IN XXXX XXXX XXXX WEEKLY OPTION ADVISORY PROGRAM THAT WAS SUPPOSED TO BE AUTOMATED BY THIRD-PARTY. I DID NOT RECEIVE WHAT THE AGREEMENT WAS I COULD NOT SET THE ACCOUNT. I ENROLLED ON THIS PROGRAM ON XXXX XXXX, XXXX AND I DISPUTE THE CHARGES ON XXXX XXXX, XXXX. THE BANK DID NOT INITIATE THE REFUND BECAUSE THEY WOULD NOT UNDERSTAND THAT I DID NOT GET WHAT I WAS SUPPOSED TO GET. AS A RESULT THERE WAS A CHARGE OF {$5000.00} TO MY CREDIT CARD WITH NEW AGREEMENT OF TERMS AND CONDITIONS THAT I DID NOT AGREE TO. WHEN I TRY TO CHALLENGE THE CHARGES AGAIN THEY SAID I AGREE TO THE NEW CHARGES BUT I HAVE BEEN COMPLAINING MANY TIMES WITHOUT ANY RESULTS. I NEED HELP SO I CAN REVERSED THE CHARGES ON THE SERVICE I NEVER RECEIVED. 
THANK YOU VERY MUCH. 
XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CO).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I am listed as a potential victim as a result of the recent data breach from Equifax. https : //www.equifaxsecurity2017.comXXXX They mishandled my information and put me at risk, and I had never gave them the authorization to have my information. They retained my sensitive financial information without my explicit approval and should n't have been trusted with it. 
They also did not notify me of my compromised data in an appropriate amount of time.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Debt Recovery Solutions, LLC (NY).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: There are three adverse reports on my credit report. They are from collection agencies with who I never entered into agreements. The collection agencies purchased debt that was written off by hospitals which provided me treatment. Having written off the debt my obligation to pay the hospitals ended.

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Payday loan, title loan, or personal loan (Personal line of credit) with Western-Shamrock Corporation (TN).
Issue: Problem when making payments

Complaint: i have told these ppl time after time that i can not pay. if you are n't working ... .you ca n't pay. it 's not that I 'm trying not to pay i just ca n't and do n't know want to do.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2015 about Credit reporting () with Experian Information Solutions Inc. (NM).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have sent Experian numerous requests to investigate and correct accounts in my credit report that are reporting incorrectly and they are ignoring my requests.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (CA).
Issue: Account opening, closing, or management

Complaint: I created a CitiGold bank account with Citi bank, I was told by several representatives that I would be receiving XXXX XXXX miles after signing up, using their bill pay system, and spending {$1000.00} on my debit card - I completed those goals and was told again that I would be receiving the miles. 

Now after still not receiving them I am told that I was not qualified for the bonus in the first place. I have saved the records of the conversations with representatives telling me that I was enrolled in the bonus program.

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 08/26/2016 about Debt collection (Credit card) with Shermeta Law Group, PLLC (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX they are trying to collect XXXX from me and I do n't even know anything about these people. And I think this isunfair. I never had a contract with them.

Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2015 about Consumer Loan (Vehicle lease) with World Omni Financial Corp. (FL).
Issue: Managing the loan or lease

Complaint: I called Southeast Toyota Finance to arrange for the turn in of my leased XXXX XXXX. I was given a payoff quote and had that money immediately withdrawn from my bank account which they were able to do since payments were automatically debited from the account. That was on XXXX XXXX so at that point my balance was XXXX and that transaction was immediately reflected in my XXXX account. On Monday, XXXX XXXX, another payment was withdrawn from my account because in the process of closing they had not stopped the automatic debit. I called today XXXX XXXX and was told that I had to prove to them that the transaction had cleared by sending a complete end of month bank statement. How ridiculous! I bank online, they take my money online, and they want me to wait till the end of the month and fax them a paper end of month statement which I print online to prove that they have my money which they can find out just as easily as I found out about the error looking at my account online. This whole situation is absurd. They actually had the nerve to tell me that I should have stopped automatic payments but when I told them that I just had done that online they told me that my online action had no effect until they took action. Well, obviously they are in no hurry to take action in stopping erroneous debits to my account. They took my money in error, they know that they took my money and they want me to prove it????? 
I have attached a copy of a screen dump of my account ( which they said is not adequate proof! ) showing the payoff payment and the overpayment.

Company response to consumer: Closed with monetary relief