milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-11-2016 about Credit card () with SYNCHRONY FINANCIAL (MI).
Issue: Customer service / Customer relations

Complaint: Since Synchronicity bank replace XXXX XX/XX/2015 I have had nothing but problems in trying to pay my bill. The phone tree made it near impossible to reach automated payment service. The web site gave incomplete billing information, showing only payment and previous balance. That was then changed so that a customer now only gets the balance for any certain month. To review statements, additional registration is required. All of this is frustrating making it more difficult to pay the monthly charges. 

They punished me for making a large payments to reduce my balance. A payment was made on their website XXXX XXXX of this year a Wednesday, and though they said that it was using the wrong bank account number I got no error in processing it. I was never told that it was it was the wrong account number until after the due date XXXX XXXX, at which time I received harassing phone calls during the middle of the day when I was at work. And they were able to charge me a late fee. 

On XXXX XXXX, a Sunday they made a call listed as unknown, telling me to call the same number that they always call from, even though their call center was closed. At times when answering calls in the past from this number, the caller hangs up.

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 11/24/2016 about Credit card () with SYNCHRONY FINANCIAL (MT).
Issue: Billing disputes

Complaint: I 've been going through divorce proceeding for over 1 and 1/2 yrs now and as of XX/XX/XXXX, waiting for the judges decision-until then I am powerless as my estranged husband quit paying on our Syncrony Home credit card for XXXX furniture since XXXX. The bill is in my husbands name and I was only an authorized user. I did not take my name off as my husband did on accounts that he was an authorized user for so that I could still have access since I was the one who made sure all of our bills were paid on time for 25 years. I found out my husband quit paying on the account since XX/XX/XXXX after a registered letter came to the house in both our names when everything was just in his name. He is the XXXX of our county and seems to be able to do what ever he wants where as I have been rendered powerless to protect my credit. I have called Syncrony to make 'emergency ' payments so the account does n't go to a collection agency or the furniture I was given to keep does n't get repossessed. Syncrony is unwilling to work with me on stopping late fees and lowering payments so I can catch up for my husband not paying on the account unknowing to me. Syncrony certainly takes my payments, but reported my credit as bad to the credit agencies when I 've had good credit for years. I am powerless to do anything as we have a financial restraining order and I am unable to open any new accounts- I am trying to keep our home and am barely making ends meet while my husband has kept his salary to himself yet quit paying on agreed upon bills with out my knowledge. I ca n't do anything until the judge gives us our final decision. Meanwhile, many other credit cards are helping me with hardship programs ( low interest rates, lower payments, waiving late fees so I can catch up ... ) I called Syncrony several times from the number that was on a registered letter that promised to help me if I called. I got robotic, non-English speaking, uncaring representatives on the line that said my 'divorce ' was not a good enough reason, yet one of the other reps asked me if my household income has decreased ... .well yes, it has-by XX/XX/XXXX! This is criminal & I am only making his payments so the furniture he gave to me does n't get repo-ed! Help me please! The representative that said the divorce was not a good enough reason was unwilling to expand any further on my situation ( as he was the XXXX person I was transferred to ) and did n't even ask if my household income had decreased-I had told my long story 3 times already and was tired of telling it & was n't able to inform this rep of this in hopes that it was 'a good enough reason ' to help me. There has to a better way as this bill will eventually be paid off as soon as a decision is made by the judge. It is criminal what they are doing to me now when I am only giving them money I do n't have.

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 10/27/2016 about Debt collection (Non-federal student loan) with Navient Solutions, LLC. (MI).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: This company calls from XXXX a.m. to XXXX p.m. constantly, both cell, my daughters cell, and my home numbers. They will not work with you and will not set up affordable payment arrangements. I informed them I am not and did not co sign for the student loan yet they insist I did. They will not work with my daughter who is having severe financial difficulties. She is willing to pay but they want her to pay more than she makes in a month. They told her they do n't care if she eats or not and they do not care that she has other bills, a baby at home, daycare expense, etc. We have tried to block the number but then they call from another number. There are many numbers associated with this company and it is impossible for us to block them all.

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OH).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I have had multiple issues with Navient. First, I was unable to even log into my account for nearly two years! I called on multiple occasions to have my login and password changed and it never helped, so I simply had to call every single month when I needed an update or to check on my balance or anything. My second issue is with interest rates. I think it is absolutely absurd when my student loan interest rates are more than double that of my car loans or my mortgage loans. Third, the way they structure repayment options is that if you decide to choose how your payments are applied, ( I.e pay off higher interest loans first ) you are unable to enroll in auto pay which in turn causes you to lose a 0.5 % decrease in your interest rates. However the 0.5 % you save does n't even come close to comparing to the amount of interest they gain by paying the lowest interest amounts first and barely touching your high interest debts. Then, if you even attempt to get your payments reduced because your monthly payments for your student loan debt are nearly half of your mortgage payment, forget about it. You 'll spend three months filling out paperwork and sending it to half a dozen different departments only to be turned down in the end because you " make too much money ''. I did n't realize being lower middle class with barely anything in savings, living paycheck to paycheck was living large these days ...

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IN).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: XXXX XXXX received federal loans from XXXX  XXXX during XXXX. The amounts provided to me and the amounts paid to XXXX XXXX were not what I agreed to. I was misguided and advised I would n't have to repay because I qualified for full grants being a single mother without any income at the time. I graduated in XXXX and learned that I owed {$15000.00} to XXXX XXXX. XXXX XXXX went under closed in XXXX XXXX and XXXX so I had no where to go for records of such loan and grants. I started making payments to XXXX XXXX because I was being harassed via phone and email. XXXX XXXX went under and I did n't receive any correspondence from navient for almost a year. Then navient sent me a payment book with different information that did n't match the loans or amounts. I stopped paying them and did n't get anymore correspondence from any lender for XXXX months. XXXX I started getting collection letters from XXXX XXXX bureau and XXXX calls a day from different places trying to set up payment plans and or offers to help asssit me with high costs to get started. They 're requesting my bank account info and telling me my tax check will be taken and also sent a letter to garnish my paycheck at previous employer. At this point I do n't know who to pay if I even need to pay anymore or the amount. There are law suits going on for XXXX XXXX and navient.

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 11/20/2017 about Checking or savings account (Checking account) with TCF NATIONAL BANK (MN).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: XXXX received a notice to levy my account for not filing taxes in WI. They emptied my account on XXXX XXXX and I received notice of this on the XXXX. I remedied the situation right away by filing the missing information and I confirmed on the phone with a WI representative that my money should be returned after they receive it from XXXX. 

I called WI today, the XXXX, and the person I spoke with said XXXX has n't sent the money yet and that I need to contact them to find out more. He said once they receive it, then they will return it, but they ca n't do anything since XXXX has n't done anything. 

I went to the local branch and the assistant XXXX said there was n't anything they could do. I asked for proof the money was sent or any type of tracking and he said that they could n't give me any information. Just that when they get a notice, they comply. I said I understand, I just want more information as I was told that Wisconsin has n't seen anything yet and I would like a time line on how things work. They refused to give me any corporate number and said I could try the phone support, but would likely get the same answer. 

The total amount debited was {$620.00}, the levy was for XXXX. The levy number was based upon a guess for how much tax WI thinks I would owe, had I filed taxes. The previous year I filed was {$0.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Syncb/ Walmart national credit cards airlines obtained a copy of credit report without my consent

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 04-03-2017 about Bank account or service (Savings account) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Deposits and withdrawals

Complaint: In XX/XX/2013, my ex-wife asked Capital One to withdrew money from my saving account to pay the mortgage from Capital One. 
It is my saving account and it is not a joint account. 
I did not understand why did the bank follow her instruction without informing me.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2017 about Mortgage (Other mortgage) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Settlement process and costs

Complaint: Mortgage back security, there is no such beast, IT IS EITHER OR, AND NON DISCLOSURE, XXXX is now liable for holding a forged instrument, ACTING AS FRUADSTERS PIRATING MY TRUST AS WELL AS XXXX AND XXXX.. I have no contract with XXXX, XXXX nor US BANK, XXXX, OR XXXX, nor do they have one with me, I XXXX any way spelled, withdraw any signatures that has fraud and forgery INSTSRUMENT, as XXXX ( XXXX. AND XXXX.. EVERYTIME ANYONE ACTS UPON THIS FRAUD WILL HAVE ACRUED CHARGES OF XXXX AND WARRANTS APPLIED THAT MAILS ME OR ANYONE ELSE AT MY ADDRESS TRICKING SCHEME INTO A CONTRACT, AS IN MY TRUST OR LEGACY TRUST OF ANYONE IN MY FAMILY, AND NOT TO HAVE FRAUSTER REAL ESTATE TASK FORCE OR HIRED MERCINARIES COME AGAINST ANYONE TO FORCEABLY ENTER OR CLAIM, YOUR ACTIONS ARE A CONSTITUTIONAL, RESTORED REPUBLIC UNDER DONALD TRUMP OR SUCCESSOR. YOUR FORIEGN PIRATES AND ACTING UPON UNLAWFUL LAWS OF THE LAND. cfpb IS NOT A CONTRACT BUT TO FACILITATE THE FRAUD PERPATRATED UPON THE PEOPLE. USING COMMERCIAL PAPER ON HOMES IS UNLAWFUL AND NOW YOU ARE LIABLE WITH ALL OTHERS TOP TO BOTTOM. MR. TRUMP HAS BEEN NOTIFIED AS OTHERS. I SUGGEST YOU BEEN BOW OUT OF THE TRUSTEE POSITION AND XXXX CLAIMING A TRUSTEE POSITION AT THE SAME TIME, AS WELL AS THE XXXX TRUSTEE FRAUDSTER POSTITION AND NOW IN HIDING. SAME WITH THE ATTORNEY. ALL HAS BEEN DEFRAUDED FROM THE VERY FIRST FRAUD REAL ESTATE CONTRACT, HOMES AND LAND ARE NOT ... .. AGENTS ARE PRINCIPLE FRAUDSTERS AND SO YOUR YOU WITH YOUR FIAT AND PAPER, NOW YOU WILL HAVE TO SHOW A TITLE TRAIL AND PROOF THE SELLER OF MY PROPERTY HAS BEEN PAID OR GO AWAY AND REMOVE THE FRAUD LIEN, THE XXXX TOOK ALL LIENS AND YOUR FAKE LAWS OUT XXXX, AND YOU CONTINUE IN THIS SCAMING THE PEOPLE. AGENT TO PRINCIPLE, PRINCIPLE TO AGENT NOTICE, I HAVE CLAIMED MY LAND AND HOME AND PERSONAL EFFECTS, AND HAVE A NOTICE OF DEFAULT UPON CHARGES AGAINST YOU NOW. ANYTHING THEREAFTER IS XXXX. XXXXYou can not service loans or use the word servicer under a IRS Bulletin 544 Installment sale and 1122 AB Material Violation XXXX Transfers and servicing of financial assets - XX/XX/2016 - Sale of mortgage servicing rights with a subservicing ... 
Regulation AB mortgages, installment loans, minimum lease payments under sales-type and Nonrecognition of transferred financial assets Read ASC 860 and SFAS 140-3 Non nonrecognition rules -What Mortgage, Its gone for bond then no more mortGage Violates 1122 AB under the SEC once you divest your collateral its gone, bye bye so what are they foreclosing on? 
THERE IS NO MORTGAGE!!! BONDS ARE SLAVERY AND WAS ABOLISHED! 
XXXX AND XXXX FRAUD UPON THE PEOPLE

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2015 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I filed a dispute with equafax regarding a tax lien and a medical bill. Both are paid and tax lien is reported released. However, the medical bill should of never been filed as collections because notice was never sent out to me telling me my insurance did not pay all of the bill. It was preventive care with a copy and insurance always pays 100 % for preventive care along with copay. As for the tax lien it was paid and it took over a year to get through the right person to show paid and released. The state of Ga revenue office had to file with the county that issued the lien and back and forth with paper work that took over a year to get them to send documents to eachother. Which resulted in incorrect dates showing when it was paid. I disputes several times and only got back completed results showing the debt was mine. I did n't iniate a dispute because of that. I iniated a dispute over information wrongly reported to credit agencies. I want the investigation process revealed to me and XXXX XXXX and XXXX XXXX to show that they did inform me of such money owed to them before sending to collection.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2016 about Debt collection (Medical) with Works & Lentz, Inc (OK).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX Hospital billed for XXXX. Between my XXXX insurance carriers, they received payment for the full amount allowable under the contract with my insurance providers. The hospital sent me a bill for the balance, which I disputed. I received one other statement and no further communication, until last month. I received a letter from an attorney 's office regarding the {$600.00} balance. 
I was never given written notice of any plan to submit this amount to collection or to an attorney 's office. The amount I am responsible for was approximately {$60.00}, as reflected in the EOB.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (WA).
Issue: Struggling to pay mortgage

Complaint: Have applied for many loan modifications Just received a denial this week in XXXX ; letter is dated for XXXX, XXXX. Then received an email of an approval. Ocwen used an income figure of {$9000.00} per month calculating my payment to {$2200.00} I am on benefits of {$1600.00} per month because of a car accident and will resume full time employment in XXXX, XXXX per the doctor Ocwen has made so many mistakes it unbelievable Where are they getting that kind of income and I have never sent updated income from my employer since I have been out of work

Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2017 about Debt collection (I do not know) with Jim Bottin Enterprises, Inc (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I changed phone numbers and apparently someone else who previously had this number must have been a member of the XXXX ABC Financial finances.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Debt collection (I do not know) with Franklin Collection Service, Inc. (OH).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I received my credit report and noticed an unverified debt lingering on my credit report. Disputed with the three major CRA 's as of YET ... to no avail. I've never done business with Franklin Collection. This unverified account has attempted to ruined my life.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: XXXX has reclassified several paid accounts with XXXX balances as charge offs after being paid with by a student loan consolidation years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (NC).
Issue: Struggling to pay mortgage

Complaint: XX/XX/XXXX I received a letter form XXXX XXXX XXXX thanking me for participation in the loan assistance process XX/XX/XXXX XXXX XXXX XXXX XXXX notified me regarding my loan number:XXXX, { XXXX }. A re-instatement order was submitted. By the Home loan team. Respond by XX/XX/XXXX completed the package forwarded to the Home Loan Team. XX/XX/XXXX I received a letter from Carrington Mortgage LLC Phone XXXX stating my loan had been transferred to their company. Loan no. XXXX Stating they would honor the { XXXX }. Submitted to XXXX XXXX XXXX,  However I submitted another { XXXX } with Carrington Mortgage LLC. After receiving a notice my deadline was XX/XX/XXXX, On XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX phone XXXX filed notice of a collection foreclosure hearing with XXXX XXXX XXXX XXXX XXXX. for XX/XX/XXXX another foreclosure hearing is set for XX/XX/XXXX Note : under NC.G.S. 45-21 16 { C }. 15 U.S.C.1692 a { 5 } > Lender is supposed to provide barrower XXXX XXXX an opportunity to resolve the matter through any an all resolutions ... I inquired about the status of my { XXXX } application? Once the barrower has submitted a { XXXX } .application the foreclosure process is supposed to ceased By according FHA , FEDERAL an  STATE LAW.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2016 about Consumer Loan (Vehicle lease) with BMW Financial Services NA, LLC (NV).
Issue: Managing the loan or lease

Complaint: This was an auto lease for business. The auto was brand new and started having mechanical issues right from the start. I had to take the car in XXXX times within a XXXX month time period due to the electrical and mechanical issues. I had communications with both BMW finance and XXXX XXXX. This auto was a lemon and should fall under the lemon law. I will be obtaining an attorney if needed because this should not be reported as a charge off or involuntary repossession nor should it have any type of balance. I have included all correspondence via email and proof of the number of times that car was serviced.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2015 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There are XXXX names as well as XXXX or more addresses and credit card institutions as well as accounts on my credit report that do not belong to me, that I have never used, and that I do not use, and never have given anyone permission to use. The information on my credit report is false and has caused me harm in the forms of loss of homes jobs and more. I want this information immediately removed and expunged from my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with FirstPoint Collection Resources (VA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Someone opened a fraudulent natural gas account using my first name and social security number. That account was sent to First Point Resources for collections. 

I submitted a credit dispute with XXXX of the major credit bureaus and they began investigating. During this investigation I worked directly with First Point, providing them verification documents by email as requested, including the FTC 's identity theft affidavit and a copy of the related police report. 

Eventually the credit bureau responded that the debt collection company ( First Point Resources ) had verified that this account was actually mine. 

Upset, I called First Point Resources to get an update on the situation. Their representative said that First Point never received a copy of my police report. I was incensed that instead of sending any notice to me that they did not receive my police report, they verified fraudulent information with a credit agency. 

I then proceeded to send police report and the other relevant documents by email to First Point. It took me sending these emails XXXX for First Point to " get them, '' the manager was never available to speak with ( always in a meeting ), and First Point has never in my interaction with them contacted me on their own initiative or informed me about the status of my collection account. All of this could have been avoided if First Point Resources notified me as they are required by Section 5 of the Fair Credit Reporting Act which provides that " if an agency declines or rescinds a block, it must notify you. ''

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation