milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/19/2016 about Credit card () with SYNCHRONY FINANCIAL (TX).
Issue: Transaction issue

Complaint: I ) National HouseHold Appliance store ; Conn 's HomePlus, Store # XXXX, Located in XXXX, Texas, XXXX County, zip code XXXX ; Using Unethical and Deceptive trade practices for personal financial gain. 
II ) Items listed on Contract /Invoice number XXXX, dated XX/XX/2016, in the total amount of ( U.S . Dollars ) {$2100.00}. 1 ) Used invalid Model number 2 ) Invailed Description 3 ) Invailed Unit Price. 
III ) Items delivered were : 1 ) Incorrect 2 ) Used not New 3 ) damaged. 
IV ) Contacted Sales personal XXXX XXXX and Store Manager XXXX XXXX at store XXXX location ; Refused to correct. Stating Corporate Office must correct. 
V ) Contacted Corporate Office ; Conn 's HomePlus, located in XXXX, XXXX County,? Texas, zip code XXXX-Very dishonest. 
VI ) Receiving No assistance from XXXX store, Corporate Office and Warehouse REFUSING TO PICK UP ITEMS. 
VII ) Within the XXXX XXXX XXXX XXXX day period I voided contract /Invoice listed above on XXXX XXXX, 2016. 1 ) Wrong items 2 ) Used Items 3 ) damaged Items 4 ) OVERCHARGED XXXX ( XXXX ) different Credit Cards. 
VIII ) The XXXX ( XXXX ) forms of payment stated on contract /Invoice 1 ) I was totally UNAWARE that I was opening a NEW CONN 's Credit Card thru Conn 's /Synchrony Bank Financial where ( U.S. Dollars ) {$2000.00} was charged 2 ) XXXX Credit Card ; XXXX XXXX XXXX where {$170.00} was charged. 
IX ) I contacted Conn 's Credit Card /Synchrony Bank Financial-I was told CREDIT WOULD BE ISSUED. As of today 's date XX/XX/2016 NO CREDIT ISSUED. 
X ) I contacted XXXX XXXX XXXX Credit Card as soon as I saw it on Contract/Invoice. 
XI ) **SPECIAL CIRCUMSTANCES*** to be noted : On the date I went to XXXX Store XXXX, XXXX XXXX, 2016, XXXX 
It is my belief that Sales personal XXXX XXXX and Store Managemnt, XXXX XXXX used my medical circumstances in " Bad Faith '' to gain Personal Financial Gain. 
XII ) It is my belief that CONN 's has no intention of " GOOD FAITH '' to correct.

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 02/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Ive sent three letters requesting the removing of XXXX XXXX XXXX  inquiry. 

Ive told them this account was fraudulent. They removed the credit card as well as the fraud address and incorrect spelling of my name to open this account. 

Yet when I ask to remove the inquiry they claim I authorized it and will be on my account for two years. If they did their job and called XXXX XXXX XXXX  they would know this account was reported as fraud. 

Also inquires XXXX XXXX and XXXX XXXX XXXX  was placed by a collection agency. When I contacted the collection agency on my account they stated no knowledge of this. 

Please remove them as I have no knowledge.

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 09/17/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (TX).
Issue: Problems caused by my funds being low

Complaint: On XX/XX/XXXX make a payment via telephone to the airline XXXX XXXX, a total of {$260.00} dollars for an air ticket. After the confirmation will come near the airline ticketing, revice my account in Wells Fargo and indeed to check my balance had been reduced by the same amount and stay compliant. 
In this day by checking my bank account I am surprised to see that my balance had risen again and no longer appeared the debit item of the airline. 
Communicate with customer service bank and they tell me that the airline had sent a request for payment, but which had not yet done the same, ie the airline still had not collected this value My concern and complaint is as follows : If payment was not made yet, because reason Wellsfargo debit my account in the day yesterday, today return those funds if nothing had happened???? That even aparace one iten of return????? 
I do not agree or consider legal right or a bank debit our account and use who knows for purposes of our own money when the end has not been collected by the trader who intend to pay. 
In this case, the iten should appear as pending, but never get the value of our own, because in this case I feel that the bank used my money without my consent. 
Worse, the answer customer service bank Wells Fargo has been pesima because they only know how to tell me about my responsibility to know that the customer may return at any time to collect your payment, but do not recognize at any time shared responsibility in these cases it takes the bank, which has deducted and withheld money, without it being paid really

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 05/28/2015 about Debt collection (Credit card) with CAVALRY INVESTMENTS, LLC (VA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I requested that the agency provide verification i.e. a lawful contract ; a hand signed invoice to prove this alleged debt is valid so I may pay any verified debt owed. I gave the agency 10 days from the date I received my returned certified letter receipt ( XXXX XXXX ). It has been well over ( 10 ) days and the agency has defaulted in sending me the information I requested to verify the accuracy of this account. Therefore I am requesting that this false account be removed immediately and permanently from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2016 about Student loan (Non-federal student loan) with Experian Information Solutions Inc. (MN).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Over a year and a half ago we started the process of buying a home. Our mortgage guy sent us to a credit repair co. They got the collection account from XXXX XXXX XXXX XXXX XXXX taken off my credit, because it was unverifiable. Now it is back on my credit. I have credit reports showing the trade line on and then off and now today it is currently on my report. When I called to verify the account with XXXX & XXXX they sent me a heavily redacted letter verifying absolutely nothing. I would like this unverifiable account taken off my credit and removed permanently. This should not be a loan I have to pay for if there is no verification that it is my debt. Attached are the credit reports and the letter of verification that was sent to me.

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 06-11-2015 about Consumer Loan (Installment loan) with CITIBANK, N.A. (SC).
Issue: Problems when you are unable to pay

Complaint: Onemain financial, previously Citifinancial charges a ridiculous interest rate. I borrowed XXXX and I am expected to pay back over XXXX. Shark lending is a crime but why is this company allowed to get away with this? Then they harass you when you ca n't pay.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CCS Financial Services, Inc. (GA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I received a notice from Credit Collection Services for a debt that I do not owe. It claims it is for a cancelled account with XXXX, a company with whom I have never had a relationship. The letter gives many directions on how to pay but does not mention how to dispute or even that I am able to dispute/request validation.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (ID).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I am currently on a pay-as-able plan and not paying anything. My income is indeed too low. My XXXX year old father co-signed for a small summer loan -- a PLUS loan -- and TWICE now Navient has tried to collection from him ( the co-signer ), even though I am considered current. They readily admitted their mistake AND apologized ( to me ) for their error and for upsetting him. But he is spooked by this and his demanded that I pay it off. Fine .. I barely have enough money, but can do it. The loan as originated was {$3600.00} ... but here 's the thing, they want {$6300.00} for the pay-off amount. That 's almost double the original amount, so I asked them ; can we not agree on a more reasonable payoff amount? I offered {$4200.00} cash .. today. Their answer was " we do not negotiate '' pay-off amounts. We 're not a bank, we 're the Dept. of Education. '' Can this be right? Thanks in advance for your attention to this inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Debt collection (Other debt) with The Best Service Co.,Inc (ID).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX Debt Collection Agency : The Best Service Company XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX reports account opening in XX/XX/XXXX for the original amount of {$750.00}. XX/XX/XXXX account charged off for {$830.00}. {$830.00} written off. Account status remains Charged Off/ Failed to Pay on XXXX Credit Bureau on XX/XX/XXXX. Disputed with XXXX Credit Bureau on XX/XX/XXXX. Called XXXX XXXX to see if they still had account. They said they no longer have files regarding the account number listed on the credit report and the account is closed but not sold off. They use the help of The Best Service Company to help them acquire the debt. Any further inquiries must be made through the collection company. 

The Best Service Company reports date of account opened as of XX/XX/XXXX. They report credit limit or original amount of {$830.00}. Disputed with XXXX Credit Bureau on XX/XX/XXXX. Recieved first time letter from The Best Service Company on XX/XX/XXXX. Letter claims Balance Due : {$1100.00}. Anual Int. Rate : 10 % Letter states recieving dispute, but for them to first investigate my claim, I must describe in detail the basis of my dispute. I must also provide all documentation to support my dispute. Without any documentation, they will continue to credit report. I called The Best Service Company to inquire about the account asking if they had physical documentation stating they could collect the debt and the accuracy of the information regarding the account. The representative said she was not aware of having such documentation and said she did not know what I meant. She started to go over the information on the account and it was different from the information originally reported by XXXX XXXX. I started to question if the account was mine. She said I was talking over her and she was ending the phone call and hung up. I sent out a letter of verification inquiring about the account in XX/XX/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 explanation
Consumer complaint received 02/14/2017 about Credit reporting () with Experian Information Solutions Inc. (DE).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Experian refuses to update my credit record, specifically as it refers to previous delinquincies that were unknown to me, whether it is refusing to update when either myself or the collection agencies have provided updated information. This has a profound effect on my position to purchase and denies me any type of due process or resolution. I have submitted documentation in writing, with delivery confirmation, as well as five ( 5 ) attempts to update this information from the collection company. Experian has not updated my report since XX/XX/2016, more an 150 DAYS have elapsed and their inability or refusal to honor my request or the transmission of debt resolution from the collection agency compounds the harm I am experiencing. They MUST be held accountable and if they can not report acurately, reguarly, or fairly then they should NOT be allowed to reprt at all.

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 07-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Incorrect and or inconsistent information across All three Credit Bureaus Identification of the specific information being disputed XXXX, XXXX and Equifax reporting Acct Number XXXX Basis for the dispute : Equifax Account # XXXX Open Date XX/XX/2016 Last payment XX/XX/2016 Payment History XX/XX/XXXX Unknown XX/XX/XXXX Unknown XX/XX/XXXX 30 days late XX/XX/XXXX Unknown XX/XX/XXXX Unknown XX/XX/XXXX 30 Days Late XX/XX/XXXX Collection/ Charge off Remarks : Charged off account Credit Card Creditor Information : NONE XXXX Account # XXXX Open Date XX/XX/XXXX Last payment XX/XX/2016 Payment History : No payment History Reported Remarks : Charged off as bad debt | Account information disputed by consumer, meets FCRA requirements Creditor Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX Account # XXXX Open Date XX/XX/2016 Last payment XX/XX/2016 Payment History : XX/XX/XXXX OK XX/XX/XXXX OK XX/XX/XXXX 30 days late XX/XX/XXXX OK XX/XX/XXXX OK XX/XX/XXXX 30 Days Late XX/XX/XXXX Collection/ Charge off Remarks : Customer Disputed account- reported. |Unpaid Balance reported as a loss by the credit grantor Creditor Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Phone # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2016 about Payday loan () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Charged fees or interest I didn't expect

Complaint: Bank of America made me a loan XXXX 2016 with 0 % interest for 18 months. They explained that I would not be charged interest on my purchases. Each month for 4 months I spoke with agents who assured me I would could pay off my purchases and not be charged interest. On XXXX XXXX I spoke with XXXX in the Arkansas office who informed me that I was misinformed for 4 months and that unless I pay off any credit charge on the SAME DAY of purchase I will accrue interest immediately.

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 06/23/2016 about Mortgage (VA mortgage) with WELLS FARGO & COMPANY (PA).
Issue: Application, originator, mortgage broker

Complaint: Requested XXXX refinance mortgage from Wells Fargo. I was told because I was reported late in their internal system, on my current VA mortgage that I could not proceed with the refinance. Even though I was reported current on my credit report and I have an email also advising me from Wells Fargo that I was reported current. Then after 6 weeks I received a letter of denial stating product/program not available. Well that is not true. It is available and it is available to all VA mortgage holders who are reported as current on their credit report with a current VA mortgage which I have. 
The letter then advises my credit score was unavailable- that is not true- my credit score is available and Wells Fargo did not run it- I have a fraud alert on my report. Wells Fargo needed to only ask a few questions to verify who I was and make sure I was the XXXX applying. 
If I was n't a Wells Fargo customer already and they would have run my credit and verified my timeliness of my mortgage payments. I was reported late in their internal system due to a technical error, I paid immediately, the late fee was removed, I was reported current. 
What other basis Is needed? 
This is discrimination at its finest- Because of the type of loan, low cost va-refi no cash out Then I show them all the XXXX rules Wells Fargo sent me all the loan papers at XXXX without even telling me the rate. 
I asked for a XXXX because a competitor has offered me that, and our current credit union was lower I sent proof of the rates offered. Then weeks later after I called and called, I finally called from a work line and informed who I was then I was told - I 'm so Sorry we ca n't help you- and I could n't even finish a sentence for a why? before she hung up on me - it 's absolutely ridiculous that I have to put up with this. 
It is n't fair- if they run credit on all non-wells Fargo customers they should run it on all internal Wells Fargo customers and they would have seen I am classified as " very good '' border line '' excellent. '' And they would have given me the time of day- maybe? I do n't know because I was treated like XXXX the entire process when they found out I wanted to refi no cash out at XXXX the closing costs were also on .05 % -- so you tell me? Is this fair?

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 12-03-2015 about Mortgage (Conventional fixed mortgage) with BROKER SOLUTIONS, INC. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I live in a condominium. My mortgage provider ( New American Mortgage ) requires proof of HOA insurance. The mortgage provider sent a letter ( via post ) that stated that since they did not have this proof, they were going to purchase the insurance and charge me for it. My complaints are:1. The notice was sent by post, not email ( even though I have signed up for all contacts via email ). 
2. There was nothing in the letter that indicated there was any grace period ( it was dated the day after the prior policy expired ). 

When I complained to the mortgage company, they told me that they had to mail the letter, could not send an email, and that the verbiage was dictated by the CFPB. 
If this statement is true, then I would like the CFPB to change their guidelines to allow email, and allow the specification of a grace period. If this is not true, then I would like the CFPB to make it clear to the mortgage providers that they have these options ( I would also like to know so I can call their bluff.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2016 about Mortgage (Conventional fixed mortgage) with TIAA, FSB (PA).
Issue: Loan servicing, payments, escrow account

Complaint: Everbank is my mortgagae company and they changed their website in recent months.In the new one I CAN NOT view the proper break down of my mortgage loan amount that I am paying. All of sudden they collect some different amount and you do n't know why?

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2016 about Debt collection (Medical) with Profit Services Group (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The debt collector Profit Services XXXX calling for XXXX XXXX keeps calling my work number after I have asked on a couple different instances to stop calling me at work. Today they called at XXXX I told him that I asked him not to call this number and his reply to me was " I do n't care ''. I then hung the phone up on him. I can not have these calls at work.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Grateful for this service. Thank you. Let me begin by saying I have correct and accurate correspondence on all that I will report below. I am asking your assistance after two years of effort with no satisfaction. I believe the issue is a lack of clear understanding at the bureaus. Perhaps, you can help them to a better understanding. 
I had a balance on a XXXX gas card. I was XXXX in XXXX and ultimately declared " XXXX '' by XXXX Court in a lawsuit against the XXXX. In XXXX XXXX corrected XXXX and I am now back to work and fully solvent. During my XXXX I was in active touch with XXXX XXXX XXXX Bank asking them to work with me XXXX. They said they would. Subsequently, they became XXXX - the reporting that I want to dispute. 
When next I called XXXX to accomplish a settlement, they took my information and said they would respond to me. After 30 days I called to inquire about the progress and they informed me that the account had been sold to XXXX XXXX XXXX. I voiced my anger with XXXX in calls and in writing to no avail. 
I shortly heard from XXXX XXXX XXXX. They sent me an completely out of bounds letter that violated the FDCPA in several letters. My complaint to them resulted, oddly, in them dismissing the debt and deleting they reporting from all of my bureaus. 
I was surprised by that, but not happy that my opportunity to resolve the debt and rehabilitate my credit score was now shut down. 
I called the original lender and again offered to settle the debt for a good will deletion. They said the debt was sold and they could not to that. 
I reached out in writing, with documentation, to all XXXX bureaus and asked them to delete the XXXX account. They said it was correct reporting. I said it was a violation of FCRA because I have no opportunity to resolve the debt and, therefore, no way to improve my credit scoring - despite the fact that the original lender knew I was disable and said they would help with with a work out when my finances recovered. 
I am asking your guidance regarding my options on how to resolve this issue. I have an account I would like to settle to improve my report, but the lender says they no longer own the debt. Ok, then delete it from my credit report. 
I look forward to your response.

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