milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/13/2018 about Payday loan, title loan, or personal loan (Installment loan) with SYNCHRONY FINANCIAL (GA).
Issue: Charged fees or interest you didn't expect

Complaint: I applied for a loan to get XXXX XXXX at my eye doctor 's office in XX/XX/2016. The loan was serviced through Synchrony Bank. I received the XXXX in XX/XX/2016 at a cost of {$3800.00} at a fixed rate, promotional percentage of 14.90 % for 36 months. 

I have been able to locate payment records since XX/XX/2016 for a total of {$3200.00} paid so far which I have attached a ledger for ( I can only go back 2 years with my bank and Synchrony so I could have paid more ). 

Currently, 24 months into the 36 month loan, I have a promo account balance due of {$880.00}, but a monthly payment due of {$530.00}, which includes a past due balance of {$350.00}. Synchrony says I will be in collections until the {$350.00} is paid. Also, my monthly bill is now {$180.00} vs the original {$130.00}. 

The promo balance, along with the interest rate, within my promo period don't make sense to me. 

I believe I have been charged excessive late fees and am still being penalized for them. I am also being billed different monthly payments from my original amount, which is designed, in my opinion, to keep me in collections since I never know what is due each month. 

My payment started out at XXXX per month, for 36 months. 

My statements are created on the XXXX of each month. The billing date is the XXXX of each month. 

If I missed a payment, I doubled up, sometimes paying twice within a month period ( payment record attached ). When began receiving an exorbitant amount of late notices, I asked the bank why, and they told me if I pay too early in the month, they would still consider my payment as late and charge a fee for the same month anyway ( correspondence attached ). 

I would like for someone to credit my account for all late fees charged within months for which a payment was received early from me. 

I also want all interest charged against such fees to be credited. 

I also want my monthly amount due to be stabilized and consistent. 

I have been called every hour on the hour Monday - Sunday from XXXX XXXX est to XXXX XXXX est by Synchrony 's collections system. As you can see by the attached payment record, I have been making my payments and do not understand the harrassment, nor the exorbitant monthly amounts that Synchrony says I owe. I want this collections harrassment to end. 

I need help. 

Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/22/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (NJ).
Issue: Trouble during payment process

Complaint: Our house burned down in XXXX XXXX. My insurance company sent the checks to cover the rebuilding of our house payable to me and to the mortgage company. The mortgage company is still holding on to {$7800.00} and refuse to give it to me. I need this money to finish paying my builder. They sent an inspector to my house to verify that it was rebuilt on XXXX XXXX, XXXX. The inspector and I both signed the inspection report wherein she stated that the work was 100 % done. You will see that the mortgage company very obviously altered the signed document stating that rather than 100 % completed, the house is only 28 % completed! How on earth can you determine such a precise number - 28 %? The mortgage company has deliberately committed fraud and should be held accountable for altering a signed document. In any event I want the mortgage company to release the remaining funds. This is MY money, not theirs. We received a Certificate of Occupancy, has been occupied since XXXX. There is no legal reason for them to illegally and arbitrarily refuse to release MY money to ME. I was instructed by a representative of the mortgage company to send my complaint to their customer relations department which I did on XXXX XXXX, XXXX. As of this date they have not even had the courtesy to respond to my complaint. Copies of the documents and my last correspondence to them are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (TX).
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: This concerns an old Chase Bank Southwest Airlines credit card account that was a charge off. Chase bank contracted with XXXX XXXX, a third party collections agency, in XX/XX/XXXX to collect payment on this account on behalf of Chase. Chase retained ownership of the account and the third party collector worked on commission and did not report to the credit bureaus. In XX/XX/XXXX I paid off the above-referenced account. Since the payoff, I have made two disputes regarding the balance for this account with the credit bureaus and Chase. The major credit bureaus are reporting that Chase is verifying the account as having a roughly {$7000.00} balance when in fact it should be XXXX. XXXX XXXX confirms the account has been paid off, but claims Chase hasnt checked with them at all about the disputed balance. Had Chase contacted XXXX XXXX about the disputed account, as they arguably have a duty to do, then they would have discovered the balance has been collected in full by their agent ( XXXX XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/26/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Attn : Experian : I am a victim of ID theft, my identity and account information was stolen and used fraudulently to obtain new accounts and incur fraudulent charges on open accounts by someone I suspected. In XX/XX/XXXX I reported this matter to the Federal Trade Commission and the Police Department, both of who declared me a victim of ID theft. I forwarded my ID theft packet to the XXXX bureaus in XX/XX/XXXX 's correspondence dated XX/XX/2016, under FCRA 605B ( 15 U.S.C. 1681c-2 ) which states that bureaus are to block all fraudulent items within 4 days of receiving a ID theft report. XXXX of the bureaus duly complied and blocked the information within 4 business days. However your bureau instead treated my case as a regular dispute and put my file through the 30 day dispute investigation process and thereby you refused to accept my ID theft report and refused to block the information. This is a blatant violation of my rights FCRA.

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 05-06-2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Equifax is not verifying my judgment with the courts as they claim they are doing. It 's for case number XXXX. This judgment is invalid! What more do I need to provide them? They are not verifying this with the XXXX XXXX City Circuit Court, they are using a third party agency.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Billing disputes

Complaint: XXXX Account Number : XXXX XXXX Case Number : XXXX and XXXX I authorized a XXXX card payment of {$360.00} on XXXX XXXX, 2016 during a telephone call to a XXXX XXXX XXXX, representative of " XXXX ''. The {$360.00} payment was with respect to a 20 % deposit for a cruise vacation package. I was prepared to risk loosing this {$360.00} payment, as there was a possibility that work commitments could prevent me from taking the vacation. 
( I have no dispute with " XXXX '' or Capital One with regards to this {$360.00} amount ). 
My dispute is based on the fact that on XXXX XXXX, 2016, without my authorization, " XXXX '' took the balance of {$1800.00}. It would appear that the " XXXX '' representative simply choose to process the {$1800.00} payment on XXXX XXXX, 2016, using the XXXX card number details that had previously been provided. 
During our XXXX XXXX, 2016 telephone conversation, XXXX XXXX XXXX, agent for " XXXX '' was adamant that I had provided necessary authorization during our initial XXXX XXXX phone call, and advised that a refund would not be made. It would appear to be a case of XXXX XXXX XXXX 's word verses mine. 
When you phone the " XXXX '' telephone number ( XXXX ) a pre recorded message advises that the telephone call will be recorded. Therefore, if " XXXX '' are operating in accordance with their own procedure, they will have a recording of said calls. 
On at least three separate occasions, I have made written requests to XXXX for them to request " XXXX '' to share telephone recordings, in order to establish the validity of XXXX XXXX XXXX 's claim. 
I have made several requests to XXXX for the return of {$530.00} owing. XXXX has responded, saying that they are unable to assist, and assigned a " case closed '' status.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/29/2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (CO).
Issue: Account opening, closing, or management

Complaint: Wells Fargo Credit issued a Visa Card in my name and it was used to charge {$4100.00}. We knew nothing about this Visa. We never asked for or approved or knew about the Visa until their Fraud dept contacted us about the {$4100.00}. We never received a physical card nor anything in the US mail until four months later when they sent us a bill and now are thereating us with fines. They also ruined our credit ratting. We have spoken to them several times. They have assured us they would take care of it, yet we still are getting the bills and our credit can not be fixed. HOW CAN A BANK ISSUE A CREDIT CARD IN SOMEONES NAME WHEN THEY KNOW NOTHING ABOUT IT! We do not have a savings or checking or credit account in Wells Fargo. But we do have a home morteage with them. Help

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 12/22/2016 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (MD).
Issue: Loan modification,collection,foreclosure

Complaint: I want to submit a complaint against Ocwen Loan Services. I put my house up for a short sale for the second time a year ago and Ocwen has been giving me the run-around again ... I had a buyer for the house in XX/XX/XXXX and it took Ocwen 4 months to review it. I spoke with a Relationship XXXX ( they changed constantly ) for XXXX years ( see about the status of the account and where things were ... I was told my account was still being reviewed then I was served with a sale date in XX/XX/XXXX the day after I spoke to my Relationship XXXX and there was no mention that Ocwen was going to sale my house ... .I was forced to file Bankruptcy immediately with no real job ... .I was doing temp work at the time and a loan from a friend of {$1600.00} to pay for a lawyer to stop the sale. 
After that the bank said they had finally reviewed the documents, they wanted more money for the house to meet XXXX ... The buyer agreed ... When all of the paperwork was completed for me to sign, there was no relocation fee money on the table for me. I asked what happened to that and was told a number of things from the XXXX fee and the relocation money could not both go on the XXXX form together to because I was delinquent with the XXXX, the bank could not pay the relocation money ... none of this was in writing to me ... .after many phone calls I was told that the house needed to be sold for more money in order for the bank to accommodate me ... I asked for all of this to be put in writing because none of this had been shared with me in any of the written communications. A few weeks later I received a form letter stating I was ineligible for the Relocation money but no explanation was given ... We raised the price of the house to the amount I was told by XXXX of the customer service reps and then I received a letter from an attorney saying the bank was foreclosing on me ... .I called Ocwen to get a status on my account this week. Ocwen said the file had been closed. I asked if the new offer had been received. He said it takes a couple days for the systems to be updated. I said the new offer had been submitted. He said check back in a couple days. He then set up an appointment for me with my Relationship XXXX for XX/XX/XXXX I said my last appointment was missed by the RM. He asked if I needed anything else. I said I had received a foreclosure letter from an attorney. He said " Oh yeah, there is a sale date. '' Had I not said anything, the rep never would have mentioned it. This is a pattern ... We spent a year trying to get this done and the bank is moving ahead to sale the property at auction when we have a buyer that has been approved by them. Is it that they do not want to honor my request for the relocation fee? I do n't know. I need help ... not only for me but for the buyer who has put her life on hold for a year and the bank has not respond honorably. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I was accepted into the PSLF program, had my loans transfered to FedLoan Servicing, and was eventually told that the last 10 years of payments I made while working for a qualified organization would n't count. I was told my repayment plan ( Extended ) was n't one of the ones on the list. That makes no sense! The program was described as being income contingent when I signed up for it but according to PSLF ( as administered by FedLoan ) the repayment plan did n't count. Someone needs to explain to me how the Extended plan is n't income contingent. The purpose of the plan is to ease the strain on borrowers ' finances ( versus Standard repayment ). At no time in the last 10 years of my repayment did anyone tell me not to proceed with my application or promote PSLF options that would have benefited me. I want my loans forgiven. I did my part and made 10 years of payments while working for a qualifying organization while under a repayment plan that was based on my income at the time of payment enrollment.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2015 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: The medical bill owed does not belong to XXXX XXXX. The debt is a hopital bill that belongs to XXXX Hospital. This bill was reported to, XXXX didffrent agencies meaning that I would have to pay double for one bill that was reported twice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-06-2017 about Mortgage (FHA mortgage) with Eagle Home Mortgage, LLC (NC).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: On XX/XX/XXXX we started our loan process with the processor and underwriter through XXXX XXXX XXXX. The processor contacted us requesting documentation for the first initial credit approval. After reviewing the documented requested by the underwriter. We noticed that he or she was requesting documentation that had nothing to do with the purchase of the property. We tired to review it with the processor, explaining that they should be going by the XXXX declaration questions asking if there were any judgement against us and the answer by the processor was no, there were no judgements against us. They asked for a divorce degree from my husbands previous marriage, that asked for a last from HR for me stating that I went on XXXX XXXX and also proof that they house that I sold back in XX/XX/XXXX was not a short sale or foreclosure. When I spoke with the processor over the phone she told me that when they pulled the reports that the divorce degree did n't show any judgements and that the house did not show as a short sale or foreclosure but they still requested a settlement document or HUD showing proof of this. Then after I questioned the sale of the home in XX/XX/XXXX the processor then proceeded to ask why I resold the house in XX/XX/XXXX, which I had already sold in XX/XX/XXXX. On top of that they have requested all petitions that were included in the bankruptcy, which was only filed by my husband before we were even married, because they wanted proof that the house which was solely in my name was not in my husbands name and on that bankruptcy. We fill that that are over conditioning the whole process. We are filling that they are discriminating against us because my husband is XXXX. My husband works in the mortgage industry and he consulted an FHA underwriter to make sure if what they were asking was normal. The answer by that underwriter was NO, it was not normal and they have no business to ask you for your divorce degree and or a settlement for a property that was not my husbands. Especially because they did n't find a any judgment or leans against us.

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 04/13/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Monterey Financial Services LLC (NY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The service provider stopped providing services and i put a complait against XXXX in Utah. They lured me into getting a loan from them but the service was not provided. i stopped making payment due to the lack of delivery of services.They keep on calling me and harrasing me. They also have put a derogatory mark on my credit reports and due to their mark my credit score has dropped

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2017 about Checking or savings account (Other banking product or service) with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: Capital One said they have closed all accounts due to a business decision. However, if this the case how was the investment account not closed? I had to go through several means to get the investment account closed. Capital One explained why they could not send a postal confirmation. Just wanted clarification in regards to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2017 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (NV).
Issue: Managing, opening, or closing account

Complaint: About 2 weeks ago I had reported my Rush Debit Card compromised. And as I expected since the representative was not listening or understanding what I was talking about. He filed the disputes incorrectly causing my card to be closed. And when I woke to a manager since he did n't understand still the situation. She then proceeded to apologise and to over nighting me a new debit card. But then she proceeded on Transferring me to a dispute representative that I thought she had communicated the error and had fixed what the previous rep caused. To my surprise she did not which I found out yesterday when Rush Card closed my card without warning. The representative filed all my disputes incorrectly and did not block my card allowing transactions to hit my account. As of yesterday they have closed my account and they claimed to have mailed me a check for the balance. Which does not include XXXX pending transactions totalling XXXX dollars which were just holds for transactions that were not processed. But to Rush Card policy they remain on hold for 10 days and an hour from when the transaction was ran. On top of that there are the disputed transactions that because of the representative still hit my account although I called and reporterted the issue with my card before they happened. The total of those transactions are above XXXX. Rush has left me without a card and access to my funds do to negligence of their representative. They are mailing me a check and who knows when it will arrive. Since now they have to continue mailing checks do to their policy and the holds pending on the account. Before the closure happened I called to verify since I had a feeling that the documents I received did not state what I had told the representative but they were not able to provide me information because they did not deal with disputes. And customers are n't allowed to speak to them directly.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2017 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (GA).
Issue: Making/receiving payments, sending money

Complaint: Sun trust bank is charging me over draft coverage charges. I have no overdraft coverage on the account and have file complaints in the past about this illegal practice. Further, there should not have been any over drafting because ample money was in the account on the day in question,  XXXX / XXXX /  XXXX  . I personally electronically transfer money from my  XXXX   XXXX  account to the Sun trust account before  XXXX  on that day.     There was no over draft because I do no have over draft coverage. If there is insufficient funds then the transaction should be denied. However there where sufficient funds.

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 04/14/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I need to get lower payments and it is not working. I am XXXX years old and still owe over {$60000.00}! I tried to get some kind of partial forgiveness or a better plan for my federal loans.I am a XXXX and was denied an educator lower payment!

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: My legal name is XXXX XXXX XXXX My physical address is XXXX XXXX XXXX XXXX, ca XXXX I am Self Employed at XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, ca XXXX i need the other names, addresses and employers removed from my credit report as they are no longer 100 % true and correct. thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF THE WEST (NE).
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 opened a {$50000.00} Home Equity LOC with Bank of the West in XX/XX/XXXX. I never used the account or had a balance. I requested the LOC be closed in XX/XX/XXXX and still reflects as current and open on my Credit Report.

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