milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-07-2017 about Debt collection (Other debt) with SYNCHRONY FINANCIAL (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: On XX/XX/XXXX, I purchased a bed and box spring from Sleepy 's located on XXXX XXXX XXXX XXXX, NJ. The total costs was {$910.00} As in incentive to consummate the purchase, I was informed by the sales person attending to my need, that Sleepy 's was offering an interest free loan. I accepted the offer, and the invoice of the purchased items that included a tentative delivery date. There was n't any representation of an expiry date of the interest free loan, nor any interest rate terms and conditions. <P/>I made scheduled monthly payments, as directed, through the web site of Synchrony Bank from XX/XX/XXXXthru XX/XX/XXXX I was under the impression that my scheduled payments were credited to my balance ; however I was notified by Synchrony onXX/XX/XXXX, that my balance was {$870.00} as a result of APR of 29.99 % plus late fees. When I confronted Synchrony via phone calls, I was informed that if I download the monthly statements in PDF form, it will disclose the terms and conditions of my loan. I requested a copy of the original invoice and/or any agreement signed by me at the time of purchase, and was told to contact the Sleepy 's store. When I contacted the Sleepy 's store of purchase, they directed me to the manufacturer located I believe in XXXX XXXX Texas. That proved futile. <P/>My last course of action was sending Synchrony Bank certified mail containing a letter that detailed all of the above. That was sent on XXXX XXXX, XXXX. Until now, I only received a monthly statement with a request for {$930.00}.

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 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: The company on more than one occasion refused to answer questions regarding the student loans that I had with them. This lack of information and the directives that they did provide resulted in my loans going into default. Once in default they refused to work within me and even tho I continued to mail payments they were not applied to my account. I was then thrown into exorbitant payments drawn off the top of my bi weekly paycheck through my employer. It barely leaves me enough money to get by with which then caused me to not be able to make my mortgage payment and I lost my home.

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2015 about Credit card () with U.S. BANCORP (WA).
Issue: Late fee

Complaint: I often check my account online to make sure payments are made and everything looks good. Little did I know that I was being charged a late fee every month, for the last 8 months and now my credit has been very negatively effected. US bank failed to show accurate information on the website such as fees on their posted transactions section. I only found out when I checked my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2017 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I 've disputed this information with Equifax for over a year and have proven to them time and time again that these items do not belong on my credit report and all I receive is a statement saying that these have been verified. 
I am complaining for 2 reason : # 1 both of these bankruptcies are obsolete and are past the statute of limitations. The bankruptcy ending in XXXX was filed XX/XX/XXXX and is a chapter XXXX which means that it can only stay on my credit file for up to 7 years and should have been off XX/XX/XXXX! They continue to send statement after statement saying " has been verified ''. Not only is it obsolete, but I know for a fact that it has not been legally verified. The bankruptcy ending in XXXX was filed XX/XX/XXXX which means that it should have come off XX/XX/XXXX! Why are these still on my credit file??? 
# 2 I do n't care what they try to prove is on my credit report - everywhere that i pull my credit and my creditors pull it, they see this invalid information. They can try to reconstruct it to suit their need to keep it on there but they are in violation of the FCRA section 1681. I also require that they send me the physical petition that shows this invalid information. That is the only legal form of verification and they are refusing to send it although I am allowed to review these docs myself under section 609! 
Please see my letter that I have attached as well as the credit report which proves that they are reporting invalid information. See page 5 for public records.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2015 about Mortgage (Other mortgage) with National Home Buyer’s Alliance (TX).
Issue: Settlement process and costs

Complaint: NHBA took XXXX from me, promised to clean credit, get in a first home buying situation. NHBA have had # K of my hard earned money without anything in return for my money. I received a FHA approval letter up to!! ) K and Conventional up to XXXX but No one in the city where I reside can do anything I must work with a staff person in another state inconvienously so. She has requested many documents every years. I send them she. Half heartedly sent some credit items to pay off then made a thin excuse for not sending anymore. This transaction happened in XX/XX/XXXX .I am soon to turn XXXX in XX/XX/XXXX without a home as of yet. I guess she thought I would go away or die by now but I 'm yet alive and yet working to hold my income higher by yet in the full time employment stag of life.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (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: Multiple times I have attempted to have erroneous names and addresses remeved from my credit report and   XXXX   refuces to comply. I have sent copies of my Driver 's license, Social Security number, passport, current electric bill, and credit card statement. Their " investigation '' continues to yield that the information is correct when it is not.

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 01/28/2016 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I investigated XXXX through XXXX XXXX about 1 1/2 month ago and this item was deleted. I just check my credit report through XXXX XXXX and this creditor is reporting once again which brought my credit score down XXXX points. What 's is sense of a consumer going through a 30 day investigation when the derogatory credit is being reported once again on their credit bureau report.

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
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: Asked XXXX XXXX to remove closed paid in full account, the account was XXXX XXXX. XXXX recieved letter and sent a notice to both XXXX and transunion that they closed the account and dropped my credit score by XXXX points in both cases, transunion XX/XX/XXXX and XXXX XX/XX/XXXX. i called XXXX they said that couldnt happen from a closed account, tryed to get documention they would not give it or any info on why my score went down. Your help in this matter would be greatly appreciated. 

Sincerely XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2017 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (AZ).
Issue: Managing the loan or lease

Complaint: A rep from Ally Financial told me she was going to set me up for a two-month hardship ( to months of not making payments ) since I was out on leave from work due to XXXX. This was in XXXX of 2016. In XXXX, 2016, while applying for a mortgage, my loan officer informed me that I was two payments late for a total of 80 days delinquent on my car loan. 
I called Ally, and at first, they denied knowing any thing about a hardship agreement offered to me by their Rep. After arguing with Ally for 3 days it seemed, they finally admitted to having notes about our agreement for a hardship, but could not explain why I was not notified that It did not take effect. I have been charged {$860.00} in late fees since XXXX of 2016 and my XXXX statement says I still owe XXXX in past due late payments. Since XXXX, 2016, because of the mix-up, they have destroyed my credit, hitting me XXXX thirty day lates, and XXXX over sixty. Please help me ... they are out of control. There is another person on the internet who they did this exact same thing to. The attorneys answering the question on the blog all agreed that Ally is just workin people over for late fees. I paid my payment for this month. It was due the XXXX XXXX, but did not post till the XXXX. They already have me reported to the credit agencys. for a 30 day late???? I have the paper work to back all this up but cant send it all as attachments. Please email a physical address and I will be glad to sent all supporting data. 


XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX

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 12-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: An inquiry dated XXXX XXXX2016 is reporting on my credit. I did not authorize anyone employed by XXXX XXXX XXXX XXXX to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. I 've sent a certified letter to the address listed on my credit report to the address of the company. Did not receive a response

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2015 about Debt collection (I do not know) with Mountain Land Collections, Inc. (UT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This phone number ( XXXX ) XXXX belongs to Mountain Land Collection Agency in XXXX, Utah keeps calling me several times a week for over a month. It is a recording wanting me to call a number if it is not me or XXXX if it is me. They are asking for me by my first name and middle initial only saying it as through it is just my first name. I am unaware of any debt, do n't I need to be contacted by a company that thinks I owe them something first? I am fearful of calling back to find out what this is about, do n't want to be billed for a fraudulent call. this is a form of harassment! They leave embarrassing massages on my answering machine for my clients and friends to hear, it is ruining my business and my reputation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Debt collection (I do not know) with HCFS Health Care Financial Services, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: The aforementioned credit collection agency representing whomever your " client '' is has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files :  XXXX ,  XXXX  and  XXXX . The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If ARS Account Resolution does not have any documentation other than a bill that they printed, ( i.e. : signature contract agreeing to  pay ) they nee d to retract this from my credit file 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 explanation
Consumer complaint received 02/29/2016 about Consumer Loan (Installment loan) with Ditech Financial LLC (MS).
Issue: Managing the loan or lease

Complaint: i had a loan with green tree and now they say i have to pay ditech for my manufacued home they are taking my rights away in mississippi i need help at XXXX XXXX XXXX in XXXX ms. please help me god!!!!!!!!!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: Today, XX/XX/XXXX, I applied to Equifax for a copy my free annual credit report. I had last requested this report from Equifax on XX/XX/XXXX. Equifax DENIED me access to my free annual credit report without even trying to verify my identify my asking the usual questions. Besides distributing my credit report to criminals by failing to safeguard my data, they are now denying me access allowed under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2016 about Debt collection (Credit card) with Frontline Asset Strategies, LLC (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid {$1500.00} but I only owed {$1300.00}. I called the original creditor to tell them that I overpaid ; they informed me that the debt had been sold and to contact Frontline Asset Strategies about a refund. I was given the name and number for XXXX XXXX XXXX XXXX XXXX XXXX XXXX. After numerous calls and messages, XXXX XXXX will not return my calls and this company is not doing anything to refund me my overpaid balance.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2015 about Credit card () with JPMORGAN CHASE & CO. (GA).
Issue: Other

Complaint: I received a XXXX form from Chase and they will not update my balance to zero. I have attached a copy of the form with this complaint. I received a reply from XXXX, and they wo n't correct.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2015 about Debt collection (Medical) with Elite Financial Services, Inc. (MO).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Calling repeatedly during the day. Advised i was working and unable to talk, they repeatedly called back. Upon attempting to return the phone call they immediately hung up on me and then started calling me again. Rep was XXXX @ Elite Financial. Today alone i have calls @ XXXX ; XXXX ( told unable to talk and hung up ) ; XXXX called back and immediately hung up on me ; XXXX attempted to call back to advise a better time to call, was hung up on again. XXXX was hung up on ; XXXX ignored call

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09/24/2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have some accounts on my credit report that are not mines. I can not dispute online per Experian. Experian is not questioning these accounts just saying they are mines. I have a lot of inquiries I have disputed they wont remove but yet put a fraud alert on credit report. 
Account XXXX ' XXXX XXXX XXXX, shows on credit report as a charge off not once but XXXX. Both accounts should be deleted. Both are wrong. 
Account XXXX XXXX XXXX, opened in 2006 should have been deleted due to age of account more than 8 years old and information is incorrect. This account was deleted by XXXX. 
Account XXXX XXXX, this is not my account. 
Account XXXX XXXX, account on this report should be deleted. I have a XXXX for them. ( attached ) Account XXXX XXXX XXXX, This account is paid in full not a charge off. 
Account XXXX XXXX XXXX, account not mines and has been deleted by XXXX . 
XXXX account is not mines and have dispted with experian for the last 5 years.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: HI, I was trying to make a payment with CapitolOne credit card for {$110.00} dollars on XXXX/XXXX/XXXX and the company processed a payment for {$110.00} and {$100.00}. I never authorized a payment to be processed for {$100.00}. I asked to have an automatic payment started next month but the agent started it that day. I tried to speak to them the next day when I seen it post on my account. The issue was not resolved at that time and it has not been resolved yet and the money was taken out of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Student loan (Private student loan) with Navient Solutions, LLC. (IL).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: My account was over charged by {$800.00} I have included a copy of an email I sent to the company. I have pictures as proof. Besides the XXXX they also charged interest of about {$300.00} that may not have accumulated if the money was added to the correct accounts. 

Hello, I must clarify a few things, the loans are n't very clearly laid out. but here is exactly where I think the problem is. I have 4 loans :  XXXX - {$3500.00} XXXX - {$2000.00} XXXX - {$2000.00} XXXX - {$1500.00} XXXX - {$9000.00} It appears to be errors within loan XXXX. 
I paid {$1700.00} for this loan before I left school and another {$1400.00} after I left I do understand that the interest must be added and paid for but the bill was at {$2800.00} in XXXX which does n't make sense because the loan is for {$2000.00} and made in XXXX, the interest rate is at ~6.8 % I do n't understand how it can accumulate so fast. 
please take a look. 
Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2016 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have Portfolio recovery trying to collect a debt that is not on my credit report because it was removed and determined not to be mine over 14 years ago. They continue to harass me about it. I made the mistake of paying them on a debt by using my checking account and now they have it on file. They have filed a warrant in debt on me after I agreed to pay them and they still sent my debt to court. It was a waste of my time and court because it was dismissed because it was paid. They are threatening to send the paperwork to court. I explained this debt is not mine and it was determined years ago. They said we do n't care you got to pay us. XXXX person name was XXXX and the other name XXXX (? ) she said it so fast and when I asked her to repeat it she refused. They are calling me about old debt. I do have XXXX debt I am paying on with them but I feel like they are adding stuff that does n't belong to me because I have paid other debt that I was behind on. The debt is from XXXX XXXX, who i think maybe another collection agency for {$8500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2016 about Student loan (Federal student loan servicing) with NEW MEXICO EDUCATIONAL ASSISTANCE FOUNDATION (NM).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: The lender does not disclose accurate account information in the collection of this debt. Paper statements and online account access does not clearly disclose how much interest is being charged to each student loan monthly. Furthermore, paper statements and online access do not show clearly show the application of how payments are applied, even when a borrower tenders payment application instructions. The lender advances payment due dates when additional payments are made beyond the IBR plan designated payment amounts. The concern is that when the payment due dates are advanced interest may be charged to the loan for the future due date period and then when the actual due date period comes interest is again charged to the loan for the actual period. A borrower would never know because the lender does not clearly disclose what interest is being charged, or how payments are applied ( pmt. to monthly interest vs capitalized interest vs principal vs fees ) on a monthly basis to each loan group. Therefore, a borrower can not understand the status of their loan in terms of growth or reduction, or have a real opportunity to identify discrepancies, and if needed dispute the accuracy of their account. 

Furthermore, if the lender holds several loans the loans are lumped together by loan type as one amount on the paper statements. This practice does not reflect the actual accounting of each loan and prevents borrowers from learning the actual amount owed and status of loans. Rather, the accounting practices of NMSL with borrowers who are on an income based repayment plan appear to be designed to minimize disclosure about individual loans, keep borrower 's in debt to collect as much as possible from them for as long as possible, and grow the debt as much as possible to allow for a bigger write off when loans are forgiven ; instead of allowing borrowers who are willing and barely able to make financial sacrifices beyond the mandated IBR repayment amount to make informed decisions that would allow them to actually pay off smaller loan amounts. 

In not disclosing a proper accounting of what is happening to the loans on a monthly basis and separating the loans by the actual loan amounts owed I am concerned this may be a violation of the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation