milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-03-2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (SC).
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint: This will be my 2nd attempt to solve this issue through CFPB. Please note that Synchrony bank states that i canceled my credit protection VIA telephone in XX/XX/XXXX. THIS IS NOT accurate. At NO time have i have i ever requested for Credit Protection to be cancelled on any of my accounts. Furthermore the covered event started in XX/XX/XXXX when my account was fully covered. I owned a XXXX XXXX and was self employed my XXXX was involved in a non at fault accident. The at fault drivers insurance company has yet to settle the case as of XX/XX/XXXX I lost my XXXX and XXXX XXXX due to having no vehicle to present to the city for inspection. I lost my business in full in XX/XX/XXXX. I was forced to take a Job for {$8.00} a hour part time at XXXX XXXX XXXX in XX/XX/XXXX. This job ended in XX/XX/XXXX with Unemployment and a pending Lawsuit. All is documented and proven on paper to Synchrony bank multiple times. From the time of my wreck in XX/XX/XXXX this account should have been covered, as the job i took was for less weekly than i made prior per night when i owned my XXXX however it was the only job available to me in a horrible local job market. AGAIN DURING THE DURATION OF MY SECOND JOB I MADE MUCH LESS AND WORKED LESS HOURS THAN WHILE SELF EMPLOYED ( THIS IS COVERED VIA THE CONTRACT FROM CREDIT PROTECTION ) Once again also at NO TIME did i request that the Credit Protection on this account be cancelled and the entire job loss should be covered. To take you have not updated the accounts minimum payment it still remains at {$400.00} with a little over a 1200.00 Balance this is not good business practice my next step will be to report to this company to the Attorney General of the State of South Carolina if all issues are not corrected.

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 04/25/2017 about Debt collection (Medical debt) with Commonwealth Financial Systems, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I have a collection on my credit report from  XXXX . The original creditor is listed as  XXXX   XXXX   XXXX . This bill was paid by my insurance. I have never received a bill for this debt prior to it going to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Experian purchased a fraudulent contract from Attorney XXXX XXXX XXXX. The XXXX XXXX XXXX firm has absolutely no proof that they have rendered any service amounting to that amount. I paid them a small amount for a 30 day eviction notice. That is the only service that they performed for me. All anyone has to do is contact the XXXX XXXX XXXX firm and ask them for any documentation supporting their claims. Experian did not do that. Experian tells me that they are not required to check the validity of claims.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I applied for a XXXX XXXX XXXX Card and as I received the card in the mail I was surprised to see that my credit score that they pulled from Experian showing a XXXX as I previously saw it at XXXX. I pull all three scores just to do my own due diligence and noticed that all three show in the XXXX. I call XXXX XXXX about the situation and advise me to contact Experian and to dispute it. I contact Experian and they advise me Banks are the ones who decide what score they give you that Experian only gives them you Annual Reporting and that Experian doesnt provide an actual score to the banks they have their own system of doing so and to dispute it with the XXXX XXXX. I call XXXX XXXX back and tell them of my situation and what Experian has told me. XXXX XXXX  was quick to say that they pulled my score from Experian and that they also look at my other credit score and that could also be what happened. I advised them they pulled my credit score from  Experian and I told them that I also pulled all three credit scores and my credit has never been that low. They advised if they want me to show proof of the score I can but that they will not reduce my APR as XXXX XXXX also gave me the highest APR because of the XXXX that I was given. They will only reduce the APR if they do another pull.

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 03/14/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MN).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I was told by Navient that my loan was in a long term forbearance since the loss of my children 's father. They said that they would defer my payments until XX/XX/XXXX and that I would have to pay interest when i started repayment in XX/XX/XXXX. Because of financial hardship I was told this was the best option in XX/XX/XXXX. In XX/XX/XXXX I was surprised to find a report on my credit that my loans were delinquent when I had just responded to their email asking if j wanted to continue deferring payments. I was told " not to worry '' since it was on record that I was experiencing hardship and would begin payments in XX/XX/XXXX. Now they have intercepted my tax return and did not forward our previous arrangements to the department of education. I was mid-led & deceived by Navient and in my opinion anyone coming after them to try and clean up their collections is also being mis-led. I have a strong desire to pay my debts and accept full responsibility for them. However this deception has wreaked havoc on my credit and my ability to provide for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2015 about Credit card () with SYNCHRONY FINANCIAL (IN).
Issue: Billing disputes

Complaint: I have had billing issues with Synchrony bank XXXX XXXX cars. I have always made my payments on time never been late. I called in XXXX to get my regular balance for this card, not any of the promotional balances was told I owed XXXX, so I paid that in full, I have them telling me now that I owe XXXX and they charged me a XXXX late fee, I have XXXX promotional balances, No INTEREST, that have not expired, I have talked to so many people and supposedly a manager XXXX yesterday and there is a charge out of ohio for XXXX that I did not put on there, and no one knows anything, I think they are using under handed ways just to get money

Company response to consumer: Closed with monetary relief
Consumer complaint received 11-04-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have contacted this company on several occasions asking them could they verify the debt. They stated for me to contact verizon for the contract. I contacted XXXX and they told me contact the PINNACLE CREDIT SERVICES LLC. They are giving me the run around. And this debt is not mine. It was fraudulent and I have contacted them letting them know this!!! They are n't giving me any steps what to do next.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2015 about Debt collection (I do not know) with ONLINE Information Services, Inc. (OK).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I called to tell these people that this is NOT the right number. I do NOT owe anyone money. The first time no one would answer the phone. The next day, the XXXX lady hung up on me before she even got the number to look the account up. I called back multiple times before anyone would even answer the phone. The XXXX lady answered and before I could speak hung up. I repeatedly called back from XXXX different numbers and no one would answer for quite a while. Finally, I got someone to answer and she said she would look into it but did n't get any information to be able to locate anyone until I stopped her and gave it to her. She did give me the name associated with MY number but I have NEVER heard of this person.

Company response to consumer: Closed with explanation
Consumer complaint received 03-12-2016 about Consumer Loan (Installment loan) with WELLS FARGO & COMPANY (KS).
Issue: Managing the loan or lease

Complaint: Made a $ XXXX+ payment on my line of credit ( LOC ) via a direct ACH transfer from one financial institution to Wells Fargo ( WF ) on XXXX XXXX. The funds came out of my account at the sending financial institution on XXXX XXXX. Wells Fargo credited the payment to my account ; however, seven days later the LOC is still holding that $ XXXX+ as unavailable. 

I called Wells Fargo to have the hold removed. Was advised that because of the high dollar amount, a 14 days hold was put on the account. Yet there was a way for the hold to be removed : if I have the sending financial institution send a confirmation of the funds being sent on its letterhead, WF would remove the hold within an hour. 

This solution does not sit well with me as it puts the burden on the customer - me - to facilitate communication between the XXXX financial institutions. Why do we in the USA have a banking system with clearinghouse capabilities if the customer is being asked to handle such functions. I feel that WF should have reached out to the other financial institution if confirmation was required. [ It should be noted that the WF customer service associated confirmed that WF had received the funds. ] Also, why hold the LOC for 14 days if the hold could be removed within an hour with such communication? 

As of today, the LOC still has a hold.

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 11/16/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (AR).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: Many years ago we transferred a balance to our Citi card with an offer that had an Annual Percentage Rate ( APR ) of 4.99 % which would last until the balance  was paid in full. We have been steadily paying the minimum each month and have never been late. We moved to a new town in XXXX XXXX and switched banks. Since we were using XXXX we changed the XXXX to our new bank. Instead of taking out just the minimum payment like Citi has always done for many years, they took out {$5200.00} from our new checking account on XXXX/XXXX/XXXX. We were in the process of selling our house and buying another one. It was nerve wrecking to suddenly have over {$5000.00} gone from our account. After many phone calls and lots of promises ( " yes we see the problem, we have to talk to this person up higher, etc. " ), we got our money back on XXXX/XXXX/XXXX and the balance was returned to the card with the promise that the interest rate would still be 4.99 %. They lied. The next statement and all since have been 18.99 %. We have called them every month. They say they will fix it every month. We have to go through the whole story each time we call. They refund the exorbitant interest then add it on the next month which makes our payment more than twice it should be. Can you please get them to honor the 4.99 % which they gave me in the first place ( I have a paper dated XXXX XXXX, XXXX that says they will honor it again, they just have n't done what it says ) and can you get them to fix their computers so that my statement will reflect this and quit charging me an 18 % interest. It makes no sense to have to call twice a month to have interest refunded, once to explain what went wrong and again to make sure it was done. Then we have to wait until the statement comes out to see that it was n't done again.

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 12/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AP).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have a Hard Inquiry I do n't recall on XXXX XXXX, 2017 from XXXX XXXX XXXX. Was unable to get a clear answer on why I have it or where it came from.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (PA).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: For the past 9 years, Navient has failed to provide me with accurate information regarding my loans. I have numerous late payments during time period where I was in school and called numerous times for a deferment. Navient has ignored my dispute letters time and time again, failing to provide explanations. Navient has failed to explain loans that I did not take out put show on my credit reports. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2015 about Payday loan () with Cottonwood Financial Ltd. (TX).
Issue: Charged fees or interest I didn't expect

Complaint: I received a phone call from an unknown number. The caller stated that I need to call back to the Florida Attorney Gereral office at XXXX XXXX XXXX - attorney general state of florida. They threatened me stating that if I do n't call back within XXXX minutes, I will be arrested and thrown in jail for 6 months.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint: I had an account listed on my credit report as not being paid for a radiology group. I just found out that the bill was paid in XXXX and it should not have been on my credit report as unpaid. The XXXX XXXX called the credit bureau in regards to this account having already been reported as paid and to take the charge off. I believe this has caused me to incur higher interest rates than if it had not been on my credit report. How can I go about changing this to look like it was n't just paid but should have never been on the report to begin 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 10-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
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: XXXX XXXX sent me a letter letting me know that have made a business decision to forgive my debt and to let the consumer reporting agencies to remove the negative item off my credit report. I 've sent the letter to Experian on XXXX/XXXX/XXXX they have responded with the account was updated Not removed.

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 03-06-2016 about Credit card () with TD BANK US HOLDING COMPANY (NY).
Issue: Closing/Cancelling account

Complaint: On XXXX/XXXX/XXXX I initiated a payoff of my Target REDCARD Credit Card ending XXXX. I have not used my card since that date and was under the Impression my account was in good standing, Target has hassled me since the card was opened in XXXX XXXX about the credit limit and paying the card down, every time the card was reduced by a substantial amount, Target decreased my credit limit affecting my credit score. I have logged into my account previously to make sure there were no residual payments or interest but I have not used the card since paying it off. 
It turns out that I was going to check my limit recently and found out Target closed out my Account without notifying me in writing thus drastically affecting my credit score and credit history with Target, this is something that Target should have notified me in writing that was going to occur and thus is hurting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2016 about Debt collection (Medical) with CMRE Financial Services, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I had a preoperative XXXX done in XXXX 2014 at XXXX XXXX XXXX in XXXX XXXX, CA. About a year later I received a bill for {$110.00}. I called my Medicare provider and subsequently I thought the matter had been settled.Now I am receiving letters and calls from a company called CMRE Financial Services for a company called XXXX XXXX XXXX XXXX. I have not been able to find the latter company anywhere. To begin with the bill for a XXXX was too high, it should have been approximately {$50.00}. I have contacted my Medicare provider many times and each time they have stated that the matter has been resolved. I feel that this company is trying to extort money from me that they know I do not owe. they are also charging interest on the bill which I do n't think they are allowed to do. I refuse to pay since I had Medicare at the time and the provider stated that the matter has been settled. My Medicare provider at the time was XXXX XXXX XXXX XXXX XXXX XXXX California. Please help me to settle this matter.

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 04/17/2016 about Student loan (Federal student loan servicing) with GC Services Limited Partnership (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I do n't know how many times I have to explain this. I entered into a repayment schedule with GC Services back in XXXX XXXX. I was told that I needed to pay {$250.00} per month for 12 months in order to get out of default. I did that. It was at month 8 that I was told that I no longer needed to make any payments. When I inquired about stopping early I was told that I had fulfilled my requirement and no longer had to pay. I was told that I should be receiving my new contract in XXXX weeks. I did n't receive anything. XX/XX/XXXX I knew this was n't right and I continued the payments on my own, after several conversations with GC services telling me that the contract was on the way. 
Sometime in XX/XX/XXXX I get a call from GC Services telling me that I owed more money on top of what I had been paying. I asked for the amount, they gave it to me. I asked how they arrived at this amount. There was no explanation, I was told to just pay it. Since this was an addition to the contract I had signed, I asked for another contract. I was told that I was n't going to get one. I just needed to pay. I told them that I would not give any more money until I received an updated contact. 
Then the garnishment began. When I had questions I was told that there was nothing that I could do and that I would be garnished and that if I wanted to get out of garnishment that I would have to pay an additional fee on top of what was being taken out of my pay. When I asked where the money went that I had been paying. I was told that there was no such money ever paid. I got the cancelled checks. 
In the last 7 years I have paid well in excess of XXXX! What the loan was worth. The Ombudsman is a joke. I have tried many times to get back into the program and work with GC services. It is always the same we want your money first and then we will send you the contract. There is nowhere else in this economy that you are required to pay up front in order to get a contact. Criminals have more due process than a person trying to pay off their students loans. I and many others have been left without due process. 
I have told this story many times. The only reason why you are getting it again is because I have received an e-mail from your organization. 
If they really want to garnish people they should garnish both interest and principal so that people could have the loan paid off in 7 years, instead of offering people up as sacrifices for the dollar.

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (NY).
Issue: Deposits and withdrawals

Complaint: XX/XX/XXXX, I went on a 1 week vacation in Florida. During my visit I was informed about joining a timeshare at XXXX XXXX XXXX ( XXXX XXXX XXXX ), in return they guarantee it will not affect my credit. When I returned back home from my travel, I spoke to an accountant who enlightened me that by joining, it will have some affect on my credit. Immediately I called the resort and requested that they cancel my contract. I emailed, call and sent a mail. In an uncanny way the employee at the resort told me I cant cancel the contract, without no hesitation I called my bank ( wellsfargo ) and explained the situation. They told me they would put a stop to it, but assure you that was n't the case. I recently founded out that the same resort had taken XXXX from me in the past two months, where I had to get aggressive on their deliberate act. My banker refunded my money, and told me to contact " consumer affairs '' to help deal with the unnecessary complication.

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 05/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: There are mistakes in my report, please verify or remove immediately :   XXXX   XXXX    XXXX  -  XXXX  > I do n't recognize this account   XXXX    XXXX  > I never paid late   XXXX     XXXX   XXXX  > I never paid late  XXXX   XXXX   XXXX   XXXX  > I never paid late

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