milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/22/2016 about Credit card () with SYNCHRONY FINANCIAL (PA).
Issue: Other

Complaint: My bank reversed a payment for {$110.00} on a Paypal Mastercard by mistake. XXXX immediately restricted by XXXX account, which they claim is separate from the Paypal Mastercard credit card. They told me I need to verify that bank account an submit a request that XXXX payments be sent from XXXX to confirm that bank account. XXXX never sent the small deposits. It has been over two days. When you go to the XXXX website, I can not see what purchases were billed on the card. I had to search the site to find a link to view the credit card statement. Why did XXXX restrict my account and not the credit card company Synchrony Bank, Paypal Mastercard? XXXX sent an email to customers some time ago that XXXX and the credit card were XXXX separate companies and would be treated as such. This is not the case. I have done everything I was supposed to do.

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 01/31/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (GA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I have been trying to make payment arrangements with Navient for months. Every time I call, I get that no one can help unless I guarantee how the payments will be made. They are rude and not understanding at all. Do n't they realize them bullying and belittling my situation is not helping the situation at all. I have been told that they will not place me in forbearance, not lower my payments and basically will not be working with me at all unless I can make the payment they are offering. I had a supervisor offer to take my interest rate to 1 % and extend the term of my loan, but he would not take payment unless I told him the method of how I was getting the funds to them every month. I told them that I was not sure but I would make sure the payment was made. He told me that he could not do it unless he knew for sure that I was going to make the payment on time every month. I feel like I am stuck between a rock and hard place. I want to make payments on my loans but I can not afford {$400.00} plus a month and be able to live and take care of my child. I explained that to them. They even told me that I am negative XXXX XXXX in my monthly income versus expenses. With them knowing that and still trying to increase my payments is ridiculous. I want to pay back the loans that I took out. Also, the loan amount that I actually took out from XXXX XXXX was a lot more with interest. I just wish at the time that the loans were offered to me that they really educated me about what I was getting into. The documentation that I read was a lot of jargon that was very hard to understand. The education that I got was not worth the headache that I am going through now.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (WI).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: On XX/XX/XXXX I contacted Chase that there were unauthorized charges on my credit/debit card in the following amounts : {$260.00} XXXX XXXX {$300.00} XXXX {$470.00} XXXX {$480.00} XXXX I reported that my card was stolen. 

On XX/XX/XXXX I completed the enclosed form and was given a temporary credit on XX/XX/XXXX. ( see attached forms ) On XX/XX/XXXX I was advised that they would be removing the temporary credit. When I contacted them they advised that since the PIN was used they were legitimate purchases. I again advised them that my card was stolen and that I had not made the purchases.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2016 about Debt collection (Payday loan) with CNG FINANCIAL CORPORATION (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I received a voice mail from a case investigator XXXX out of XXXX county stating he received an affidavid or documents that he believed to support an order for me to appear in XXXX County Superior Court for investigation of check fraund and that I needed to contact him to sign some paperwork. The investigator did leave a number which I called and inquired to find out why I was being called for an alleged check fraud and could they give me some answers. I spoke with a woman by the name of XXXX or XXXX at ex. XXXX. She did n't have all of my information right but did have my email and some personal information ( mother 's first name, brother 's phone, etc ) I then gave her the last XXXX digits of my social security # to see if I could get more answers but little did I know I was then giving an ultimatium of paying {$1000.00} to a lawyer of some kind or go to court and pay over {$3000.00}. I asked if she could send me a copy of any document showing my name or signature on a payday advance loan. I received an email which I had forwarded to a friend who did some research and found out that the number attached to the email had been flagged for potential scam artist. So, I then called the XXXX Police Dept. to find out if I had any warrants out for my arrest which came back negative. When I told the XXXX why I was calling to find out about the warrent he told me to contact the local FBI and report a possible scam being done. Unfortunately, I do not have the name of the lawyer that I was apparently going to pay off, but I do have a copy of the letter that the rep sent me via email which I will attach.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
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: after disputing the following debts with XXXX 4 times and XXXX and TransUnion 3 times they have came back as saying verified but have shown no proof of how this debt was verified there are strict requirements how debt must be verified. The Fair Reporting Act ( FCRA ) requires the Credit Bureaus ( XXXX, XXXX & TransUnion ) to have PHYSICAL COPIES in THIER files of  documentation to support each account being reported. NOT THE CREDITOR, THE BUREAU Under the FCRA, Credit Reporting Agencies ( XXXX, TransUnion & XXXX ) must provide a copy of the verifiable original creditor documentation if it is requested properly by the consumer since XXXX, TransUnion & XXXX can not provide proof of verification to me in the form of a physical contract document per written request to do so- the account is classified as " UNVERIFIED '' and under the FCRA- all UNVERIFIED accounts MUST BE DELETED. The FCRA reqires that all Credit Reporting Agencies or " CRA 's '' VERIFY ALL INFORMATION received from creditors BEFORE this information is added to my credit file. Proper verification According to case law the CRA/Bureau must have copies of the ORIGINAL SIGNED APPLICATION in THEIR FILES! FAIR CREDIT REPORTING ACT. by providing all of this information, there is no question that i am the one making the written request. i request that XXXX XXXX XXXX And XXXX XXXX XXXX be removed from my credit reports.

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 06-07-2017 about Debt collection (Credit card debt) with Resurgent Capital Services L.P. (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: name LVNV Funding LLC, XXXX XXXX XXXX XXXX XXXX SC Re subject CC account number # XXXX, ref # XXXX to whom this may concern ; I would like to make arrangements to settle the above referenced matter please provide me with the statement of amount owing of XXXX I prefer a " true bill '' but will accept a statement [ by XXXX XXXX ] together with your assurance that you will accept payment in direct and immediate exchange for the for the original instrument of indebtedness in its original form. please be advised you are also in violation of information breach, as i will provide the applicable law [ s ] in my next complaint thank you very much, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2018 about Debt collection (I do not know) with Ability Recovery Services, LLC (WI).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have repeatedly contacted Ability Recovery Services asking for validation of a debt that is listed on my credit report. I first contacted them back in XX/XX/XXXX for a validation of debt and I never received anything from them other than an update on my credit report saying the debt was verified and accurate. My second request was sent XX/XX/XXXX asking for validation once again, nothing was ever sent besides another updated credit report saying verified as accurate. They never sent me the proof of validation I asked for.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2017 about Checking or savings account (Checking account) with EOS Holdings, Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I 've tried numerous of times over the coarse of 2 months to alert The Collection agency EOS CCA that ive paid the balances that i owed them with a settlement amount that closes the debt. They keep reporting to XXXX and XXXX as a open degeragorty which is extreemly hurting my score. They keep saying they are gon na fix it but they have n't fixed anything as they promised. I 've been denied credit because of this open degeragorty. They are reporting it wrong..

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Checking or savings account (Checking account) with U.S. BANCORP (AR).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: XX/XX/XXXX, U.S. Bank seized my XXXX XXXX XXXX Federal Benefits for me and my XXXX minor dependent children, XXXX XXXX and XXXX XXXX. I listed the amounts below. 

XX/XX/XXXXFederal Benefit Credit- XXXX XXXX {$270.00} XXXX/XXXX/XXXX Federal Benefit Credit-XXXX XXXX {$270.00} XXXX/XXXX/XXXX Federal Benefit Credit- XXXX XXXX {$930.00} US Bank seized a total {$1400.00} in XXXX XXXX XXXX Federal Benefits. {$360.00} of that were in overdraft fees leaving me with a negative balance of {$45.00}. This seizure of benefits left me without money for food and medication. 

OnXX/XX/XXXXI called US Banks Customer Call Center and spoke with a supervisor that identified herself as XXXX. I requested that the overdraft fees be waived due to the hardship it would place on me and my family. I repeatedly informed her that taking my entire Federal Benefit would leave me with any means to purchase food for my family nor would I be able to purchase the medication required to treat my XXXX XXXX XXXX. She refused stating that the bank would not waive the fees because they already returned {$280.00} ( in wrongfully assigned overdraft and insufficient fund fees, which XXXX claimed was done as a courtesy ) and three {$36.00} ( {$100.00} ) overdraft fees in the past and would not help me out anymore. 
I asked if the overdraft fees could be returned since they were unlawfully assigned to my Federal Benefits XXXX XXXX XXXX and XXXX XXXX anyway. 

I informed her that my children could ( at that time ) not go nine days without food nor could I go that long without my medication which I need for my XXXX XXXX XXXX, including XXXX XXXX and XXXX due to my XXXX XXXX  XXXX and other XXXX XXXX XXXX. 

XXXX went on to educate me ( her words ) that US Bank would continue assess additional extended overdraft fees to my checking account every three days until the overdraft fees were all paid off. She then said that the bank had every right to take the money regardless of the Social Security Anti-Assignment Act. XXXX went on to say that I should manage my money better and not order pizzas as she could see that I had on the XXXX of XXXX. 

Before the call ended she demanded to know if I wanted her to take off my overdraft protection and I told her yes, I never asked for it. She said that it was automatically provided back in XXXX when I agreed to it, and assured me that my overdraft protection had been removed. 

On XX/XX/XXXX US Bank assigned {$45.00} overdraft fee with an additional {$25.00} extended overdraft fee assigned onXX/XX/XXXX, but did not attach the extended overdraft fee until my XXXX XXXX XXXX XXXX directly deposited into my checking account. 
To date, US Bank has me at {$1600.00} in the negative in overdraft fees.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I went on line with XXXX because of the major each and spoke with their representative on XXXX XXXX, 2017 THEY confirmed my information was included in the widespread breach. Because of this I am filing a complaint against Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Fidelity National Information Services, Inc. (FNIS) (NJ).
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 disputed the inquiries on my Chex Systems consumer report over 90days ago. The report still does not show a statement that I disputed these items by the consumer. Since this report does not have that missing statement it must be deleted. Also the report states that all inquiries will be reviewed from 90days to 3yrs. The report does not show what inquiries will stay for 90days or what inquiries will stay for 3yrs. With this confusing statement again all inquiries must be deleted.

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 10-04-2016 about Consumer Loan (Vehicle loan) with CITIZENS FINANCIAL GROUP, INC. (NY).
Issue: Shopping for a loan or lease

Complaint: I was pressured by high stress sales tactics into taking an auto loan I could not afford by XXXX XXXX in XXXX XXXX, New York. They insisted on finding a bank to issue a loan after being refused by three or more other banks. They did not make it clear that the total amount of the car purchased was higher than the value. Now I am in the position of having to apply for a loan modification on my mortgage and guess which bank is giving me a three-year runaround? The same bank, Citizens One, that approved my auto loan. So, I guess my issue is with both XXXX XXXX and Citizens One Auto Finance. I already have a complaint filed on my mortgage loan modification with Citizens One.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have sent multiple requests to have all NONE ACCOUNT HOLDING INQUIRIES taken off of my credit report, to XXXX Transunion, and XXXX. These have been in separate letters roughly every 30 -45 days dating as far back as XXXX XXXX. I have not received any sort of confirmation that this has been taken care of, and they refuse to give my any kind of explanation as to why I have over 30 inquiries on my report and yet i only have very few accounts open. I do believe it is my right to have only an accurate description of my character displayed on my credit report and by these excessive inquiries, it hinders me from being able to obtain not only personal credit, but credit for my business and livelihood as well. I will supply you with all of the inquiries that are NONE ACCOUNT HOLDING below. Please let me know what can be done in regards to this. Again i have made several attempts to work with the credit reporting agencies and have them remove these, and they have made no attempts to comply with my request or even acknowledge my requests. Iquiries and dates : XXXX XXXX - XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX  XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX As you can clearly see, there is an excessive amount of inquiries that are none account holding, these are damaging my credit report and the Credit Reporting Agencies REFUSE to remove them. This is a violation of my rights and I demand they be removed from my credit file or in accordance to the FCRA i will file a motion for damages. Thank you for your 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 explanation
Consumer complaint received 11/20/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: This account is reporting on my credit and i have no idea of this balance being owed as I have not owned a XXXX account. I have been a victim of Identity Theft in 2012 and over the past 24 months I have come across accounts opened and reporting negatively on my credit that were not opened by myself. I have repeatedly requested verification for the account but this company has failed to conform and supply me with information to validate or disprove the account. I ask for assistance and re request full details of how this account was opened ; where and what identification was used for its opening.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Checking or savings account (Other banking product or service) with CAPITAL ONE FINANCIAL CORPORATION (NV).
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint: I had attempted to close my account with capital one and transfer the assets out. Upon closing I had levied against me a {$75.00} fee. I was not made aware of the transfer fee when I was in the process of closing the account and capital one did not have any avenue to see the fee from their app, which is my primary portal for using their service. Furthermore there was no indication in the app that I was missing any sort of communication from the institution. When I contacted the FI they advised me that there was a lesser fee ( {$15.00} ) but that they would honor that fee because it would require separate paperwork. I was advised that even if I were to submit the correct paperwork that they would still levy the fee - which amounts to nearly 25 % of funds in the account.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (FL).
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint: I went shopping at an outlet mall in Florida when I was about XXXX XXXX XXXX. The lady at the cash register who checked me out, offered me the XXXX XXXX Credit Card which would take 20 % -30 % off of my purchase. So I said sure but I still want to pay cash. I got approved for the card and gave her cash ... But I guess she charged the items to the clothes as well. And I had no idea about this. I was a young kid and didn't know anything about credit cards or how they worked at all, I was only XXXX XXXX XXXX. So 2 months later I get some mail saying I have a late payment due, which I had no idea about. So I called the company to try to figure out what was going on and resolve this situation, but they were of no help. I racked up late fees on the account and had to pay an extra {$92.00} for being late. I was only working part time when this was going on so I really couldn't afford the {$170.00} balance and {$92.00} fee or whatever it came out to, I was a broke XXXX XXXX XXXX. I tried to get them to understand where I was coming from, my mistakes, and how I wasn't aware I was late. I was hoping they would reason with me and take the late payments off since I didn't even know they were though, but they didn't. They said I needed to pay in full, and I could not afford to. They would not help me out in anyway, so I had to borrow money from my dad who was not making much money at the time either, just so I could pay off this card. I Paid it in full, and then closed the account to make sure this did not happen again, and because I was very unhappy with XXXX   XXXX Credit Card support, they made me not want to continue business with them ... As you can see this is the only late charge on any of my accounts and my oldest one is over XXXX XXXX XXXX I have paid on time to everything else and have been extremely proud of my credit standing.. Until just recently.. My credit dropped 31 points!! Out of nowhere! On my XXXX Credit Scorecard it says reasons affecting the drop were number of missed payments.. This late payment with XXXX XXXX was back in 2013. Plus, last time they updated my credit report to XXXX was XX/XX/XXXX, XXXX SO this clearly was already on my credit history and reported years ago, but is just now affecting my score?? I think something went wrong, because this was already on my account and shouldn't just now be affecting me.. Sorry for the long message, but I hope you can understand where I am coming from.

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 03-04-2017 about Debt collection (I do not know) with ERC (AZ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: THE COLLECTION AGENCY IS ATTEMPTING TO COLLECT ON AN ACCOUNT THAT WAS CHARGED OFF BY THE ORIGINAL CREDITOR IN 2005

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief