milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-06-2016 about Credit card () with SYNCHRONY FINANCIAL (VA).
Issue: Payoff process

Complaint: I decided to accept a " 0 % interest for 18 months '' promotional offer from a retailer for {$2700.00} worth of new carpet for my home. The financing was through a new credit card from Synchrony Bank. When the first bill came, I set up automatic online payments, but miscalculated the monthly payment necessary to pay off the full amount in 18 months ( {$98.00} vs. {$150.00} ). After 19 months I received a call from Synchrony that my payment was late, and that 's when I noticed the error. I paid the remaining principle immediately, but now have to pay {$1200.00} in deferred interest ( 29.99 % APR ). I realize this is my mistake for making monthly payments less than that required to satisfy the promotion terms. I did a little research and found that this happens to about XXXX in XXXX people who sign up for these deals. I feel the whole practice of offering a program designed to slam the 20 % of people that get tripped up is predatory and slimy. I also found out that Synchrony bank ( formerly GE Capital ) is XXXX of the largest banks offering credit on behalf of retailers selling big-ticket items like carpet and appliances. It 's a multi-billion dollar business for them. I called Synchrony and talked to XXXX different customer service agents, offering to pay the 30 % APR for the two months since the promotion period ended, but received no consideration. I was told that since I accepted the initial agreement, I should have known the consequences. I feel like a fool for even falling for such a risky proposition. I just hope others will learn from my mistake and avoid Synchrony bank offers for exorbitant " deferred '' interest rates which are effectively land mines hoping to catch consumers off guard.

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 08/13/2015 about Credit card () with CITIBANK, N.A. (PA).
Issue: Other

Complaint: Every time I pay my Macy 's bill in full, the following month I receive a {$2.00} interest charge, although I have had no balance, This has happened now four times. They will generally remove the charge, but sometimes are quite resistant. If this is happening to me, it is most likely happening to many others. If Macy 's does this to everyone, they are receiving millions of unwarranted dollars and in my opinion that is fraudulent.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CA).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: Several months ago I tried to use my card-it was declined. This is puzzling as they are automatically sent not less than {$50.00} and usually {$100.00}. There have been no gaps in payment.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Debt collection (Other debt) with Franklin Collection Service, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Franklin Collection Services reported, on multiple occasions, to all three credit bureaus that I owed a d ebt to   XXXX   XXXX   XXXX   that was paid directly to   XXXX   XXXX   XXXX  . I never received any notification from Franklin, I wrote asking for validation and never received a reply and disputed with the credit bureaus, including submitting proof of my payment directly to   XXXX   XXXX   XXXX  .  Franklin Collection  is still reporting this collection to all  XXXX  bureaus, although they have now changed the balance to {$0.00} with  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Debt collection (Other debt) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I recently had been working with a credit consolidation company XX/XX/XXXX-XX/XX/XXXX Because I had accounts that were not mines do to the open status dates. I was sure I did not open those accounts. Which after months of letters being sent out to XXXX XXXX which name is now XXXX XXXX XXXX. while checking credit after 30-90 days. It turned on all credit reports that the debt were dropped off my credit. because those accounts were not mine. That was in XX/XX/XXXX. Now its showing up months later on my credit report again.

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (WA).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I went to XXXX college ( now known as XXXX ) in XXXX Washington. That was a mistake, I graduated from there with a XXXX, only I never received a certificate. I called the school multiple times to no avail. They kept giving me the run around, so here I am stuck with a private student loan from the horrible XXXX XXXX. I would get up to five calls a day with threatening voicemails. At that time I was working at a fast food restaurant barely making enough to live on. I eventually started a payment plan and was paying around two hundred dollars ( automatic withdrawl ) a month. Does n't seem like a lot, but it hurt. Since I was issued a new bank card I thought I would call XXXX XXXX and let them know and give them my new information. Well, I called and it sent me directly to a collection agency, so this whole time I was paying a collection agency and not XXXX XXXX. My place of work ended up closing down due to the economy and I was unemployed for over a year and was unable to make any payments. the loan now sits in a collection agency ( it 's been shuffled to a few different ones ) with the interest adding up.

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2017 about Debt collection (Federal student loan debt) with AES/PHEAA (PA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: immediately Following 2 yrs of unemployment, I Started working as an XXXX at a local XXXX XXXX  with a hire/start date of XX/XX/XXXX. My husband and I had just filed our joint income tax return for XX/XX/XXXX ' approx XX/XX/XXXX and was supposed to recieve our federal refund within 7-10 days. Approximately 13 days in, and have n't heard anything so I call the IRS and that 's when I realized our return was intercepted by Pheaa. It was n't until 4-5 days after this that i received notification via hard copy from the Irs. restating the interceptor/debt collector also identifying itself as pheaa. I was never informed by pheaa that my acct was in collections to begin with. I had ben given forebearances/deferments but never recieved notification of default. I contacted pheaa to inform them I had just started employment a couple weeks prior following 2 yrs of unemployment. According to their policy, they would n't seek further collections until i have ben employed for a continuous 12 months. So I would call back and set up payment arrangements when it got closer to the 1yr mark with my new found employer.. Well due to a protected Right, I was terminated from employment, having working my last day on XX/XX/XXXX, they suspended me and actually gave me a termination date of XX/XX/XXXX ( wrongful termination ) I never found employment until i found employment with a actual hire date of XX/XX/XXXX ( being unemployed for another 3 months ) I recieved my first pay check beginning in XX/XX/XXXX, and pheaa, without notification or informing me, had illegally began a wage garnishment on my paychecks not to mention by income tax return of {$5000.00} from back in XX/XX/XXXX that was mostly my husband because w filed jointly and he did no t owe debt.. I never knew that i could dispute the wage garnishment until XX/XX/XXXX. where i Had to send appeal to this attorney law office squire guy, for with my reason for appeal being checkmarked '' I was n't employed for a continuous 12months ''. Provided that I provide evidence that i had not ben employed for a continuous 12 months in order for them to stop wage garnishment. I provided them evidence from my current employer, where they confirmed by hire date of XX/XX/XXXX, and included everything for this wage garnishment to be stopped and this XXXX XXXX ( dcider of case ) was in favor of pheaa. I had proof of everything and i do n't actually think this XXXX XXXX looked at ... Them make matters worse, XXXX XXXX ordered pheaa to take 10 % of my monthly wages and they are taking double that out f my wages '' I make $ XXXX  month and they have ben deducting approx $ 400-560 a month

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2016 about Mortgage (FHA mortgage) with U.S. BANCORP (MD).
Issue: Loan servicing, payments, escrow account

Complaint: U. S. BANK has increased my monthly mortgage payment, initially without proper explanation. When contacted, they stated the increase was to offset a bill received from our HOA. Our HoA fee is paid directly and is not routed through our mortgage. U.S. Bank agreed to investigate the issue ( via phonecall ) but they have provided no further correspondence. Also, my current statement does not reflect a correction which indicates they have not investigated/resolved the issue. I have confirmed with HOA that our account is current and in fact is in credit for next year. U. S. BANK received my mortgage via a refinance transfer but their current, fallacious increase is causing financial hardship which was supposed to be offset by the refinance. Additionally, interest payment statements were incorrect which resulted in excess federal taxes. U.S. BANK is proving to be a poor steward of our FHA mortgage.

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 Mortgage (FHA mortgage) with JMAC LENDING INCORPORATED (CO).
Issue: Trouble during payment process

Complaint: We had some financial troubles back in XX/XX/XXXX. I called our mortgage company and they allowed me to enter a repayment plan so that we could get back on track financially. We signed a repayment plan outlining the repayment terms. The repayment plan was outlined as follows : No payment in XX/XX/XXXX ; regular payment of {$2100.00} due XX/XX/XXXX ; {$3000.00} due on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. All payments were made according to the plan. In XX/XX/XXXX, my wife called to make our normal payment ( {$2100.00} ) and was told another payment of {$3000.00} was needed to make our loan current, which I do n't believe is correct. The only reason she paid the incorrect amount is because XXXX was adamant this is what was due to make the loan current. Nowhere in the payment plan I signed did it mention another increased payment for XXXX. I was told by the mortgage company that we paid a total of around {$680.00} in fees for the repayment plan. When I do the math, we paid about {$1200.00} in fees due to the XXXX payment not going back to our normal mortgage amount. Either the repayment plan was misleading or the mortgage company was mistaken in taking the amount they did for the XXXX payment. Either way I have a big issue with the way this was handled. I have called and talked to a couple different people and they can not explain the discrepancy, only " that was the amount due to make you current. '' with no explanation of why the repayment plan did not outline anything for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Experian report number XXXX, dated XX/XX/17 shows a recently added collection account that is not mine/no knowledge of account. It is reported as : XXXX XXXX, account number XXXX. Please initiate investigation.

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 10-12-2015 about Mortgage (FHA mortgage) with M&T BANK CORPORATION (DE).
Issue: Loan servicing, payments, escrow account

Complaint: I have submitted a Declaratory Judgment, & Slander of Title complaint with the Superior XXXX Office. I have written several letters to the M & T BANK requesting specific information related to my mortgage/security. I have requested they answer specific detail facts that I am entitled to know.

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2017 about Mortgage (FHA mortgage) with Ditech Financial LLC (GA).
Issue: Trouble during payment process

Complaint: I was approved for a hardest hit program in ga Georgia underwater homes my award is XXXX this check was sent to ditech financial in XX/XX/XXXX to be apllied to my principal, it was applied, I am continuing to send in my regular monthly payments which are not being applied and going into a suspense account. their explanation is that the system is not updating due to the large amt from the program, my check from XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX has not been applied, even though it shows on my statement that I am not late I am getting collection letters and notices on my front door from them. when I call they say ignore the notices.no one calls me, I am calling every other day for the last month when the collection letters start coming. I am afraid with these people not knowing how to handle these programs that they have accepted and now not knowing how to process my payments I am going to go into foreclosure even though they are saying no I want. does their collection people know this, they cant even transfer you to them or they explain what is going on and not to harass the customer. this is another night mare from XXXX, I am an over age senior and think they may try and take advantage. if someone would communicate I would feel a little better. we are resolving the problem does not help me.. the amunt for the 3 months is XXXX now, they are saying just continue to send your regular amt of XXXX please help me find out why my checks are not posted to the acct and going in to suspense.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-12-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with Shellpoint Partners, LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: In the process of my divorce in XX/XX/XXXX my ex insisted that as I was to be awarded the home the mortgage was to be in my name. 
The home was refinanced through XXXX under the guise that it would be in my name only. My ex told me years later he knew before signing the documents it would not be in my name as I had no credit or employment history at the time. I wasnt aware of this until after the final papers were signed. 
The mortgage was taken out after we were legally separated but before the final divorce documents were signed. 
His name is the only one that shows on the paperwork, ( loan documents ) but I show on the Deed of Trust and he quit claimed the property to me. Our divorce decree awards me the home but is silent about the loan, there is a remedy for breach for undisclosed liabilities in the divorce. 
I attempted to apply for a loan modification in XX/XX/XXXX and XXXX refused to talk to me as they said the loan was not in my name. 
My ex said they would not modify it because he did not live in the home. 
When it was taken over by XXXX I obtained permission to speak to them from my ex and we both participated in the initial modification process. This drug out and he eventually refused to continue to be involved and they told me I needed to apply for an assumption, so I did and this drug out until it was transferred to XXXX and sale dates came and were postponed, paperwork lost ... same story everyone has. 
The loan was transferred to Shellpoint late XX/XX/XXXX and I submitted a new package as they requested, resubmitting the quit claim 3 times. When I called to make sure all the paperwork was acceptable they refused to talk to me. They said my ex told them I was not to be allowed to submit a modification package and they were not to speak to me and the home was to be sold. 
I was told that I was not on the physical loan. 
I sent Loss mitigation an email stating that I was on the Deed of Trust and held the quit claim that there must be an issue with the documents and I want to see the note. 
I am the owner of this property and should have the modification package accepted. 
In response, I received a letter addressed to my ex saying I contacted them and they are refusing to communicate with me. 
The house was to be sold XX/XX/XXXX I filed for Chapter XXXX bankruptcy on XX/XX/XXXX and the sale date has been postponed until XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2018 about Checking or savings account (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint: Capital one 360 checking XXXX XXXX XXXX checking Both accounts were closed without notice XXXX XXXX account was closed, after 20 hours on the phone and I personal guarantee I would get my funds of approximately {$4000.00} XXXX the next business day. 
I did not receive .I called again and I was rudely hung up on. I asked a representative if the conversation was taped I was informed that it was I informed the representative I will wait as long as it takes for her to review the the tape recording. 
The representative returned after approximately 40 minutes on the phone and knowledge that the check was supposed to be sent out. Using terminology there was a " mishap '' the explanation was that it was in transit therefore they couldn't cancel it and couldn't issue me another check after the first one was sent to the wrong address. the second I was extremely clear and requested confirmation of the correct address. I was informed that it was there was another mishap and it was mailed to the wrong address once again. 
I finally received the check made out to my business name. 
Since it was made out to my business name I could not cash the check I ended up spending {$450.00} at a check cashing place to cash a check those approximately {$4000.00}. 
took over a month-and-a-half which constituent in closing of two Capital One accounts business and savings was XXXX and Capital One Additionally because I was not able to receive my funds to pay on my credit cards with Capital One. 
I simply requested they transfer the monies from my checking account to pay off credit cards I was informed that's against company policy in essence Capital One checking could not make a payment Capital One credit cards same account, everything was combined 7 accounts in total Capital One closed all 5 credit cards continuing to charge me in outrageous fees and penalties for checks and payments being returned from Capital One checking same company the close the account that was holding my money and didn't have access to it. I repeatedly asked to speak to a supervisor I was never given the opportunity and was hung up on on numerous occasions. 
The practices of Capital One banking and credit card services are absolutely horrific especially due to the fact that I was recovering from two car accidents ( not at fault ) by drunk undocumented uninsured unlicensed XXXX XXXX which rendered me XXXX and consequently losing my business of over 28 years. 
Not only do I request all monies due to me .I requesting sanctions and an investigation to the extremely unethical and illegal business practices of Capital One credit cards Capital One 360 checking account and Sparks business and checking account I firmly believe that a class action lawsuit should be filed against the practices of Capital One and all Affiliates associated with a company

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Loan servicing, payments, escrow account

Complaint: Bank of America continues to erroneously report a mortgage payment made in XXXX XXXX as being 30 days late. I have submitted letters with a bank statement ( the latest letter was sent on XXXX/XXXX/XXXX and BOA acknowledged they received it ) showing the payment was made on XXXX/XXXX/XXXX and cleared a BOA checking account on XXXX/XXXX/XXXX. I have made numerous calls where I am promised someone will look into it and get back to me.. and I hear absolutely nothing. The latest call was on XXXX XXXX, I spoke to a supervisor in XXXX, Az who gave me his contact info and said I would be hearing back in 3 days. Never heard a word, called and left several messages. To date still nothing. Every rep I spoke to acknowledges that the payment was made within 30 days, then transfers me to another department, who then transfers me to yet another XXXX and no one can seem to rectify the issue. Bank of America 's lack of customer service and trained employees is toxic to their customers financial well-being. I have also tried to resolve this through Experian, but was told I shoudl contact the bank,. I need this resolve ASAP as it is affecting my credit rating.

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 07/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CO).
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 HAVE SUBMITTED THIS COMPLAINT A FEW TIMES AND EXPERIAN AND XXXX REFUSE TO FIX IT. ON ONE OF MY CREDIT REPORTS, I BELIEVE IT IS EXPERIAN THEY EVEN SAY " THEY CAN NOT VERIFY THE INFORMATION '' BUT THEY STILL LEAVE IT REPORTING NEGATIVE ON MY CREDIT REPORT. XXXX XXXX IS BEING LISTED AS A SERIOUS LATE PAY AND IT IS HURTING MY CREDIT WORTHINESS. I SUBMITTED THE COMPLAINT TO XXXX AND THEY RESPONED TODAY BY REMOVING IT AFTER AN INVESTIGATION WAS DONE AND THEY COULD NOT VERIFY IT AS BEING LATE. THE LAW SPECIFICALLY SAYS IF IT CAN NOT BE VERIFIED WITH DOCUMENTED PROOF THAT IT NEEDS TO BE REMOVED. I AM ATTACHING PHYSICAL PROOF FROM XXXX THAT THEY TRIED AND WERE UNABLE TO VERIFY IT SO THEY REMOVED. IF XXXX XXXX DID NOT RESPOND TO THEM THEN THEY ARE NOT RESPONDING TO THE OTHER BUREAUS. I AM DEMANDING THAT THE NEGATIVE REPORTING OF XXXX XXXX BE REOVED FROM EXPERIAN AND XXXX XXXX SYSTEMS IMMEDIATELY. THEY HAVE NO WAY OF VERIFYING IT BECAUSE IT WAS NEVER LATE. THIS IS MY 10TH TIME TRYING TO GET THEM TO EITHER VERIFY AND SEND ME DOCUMENATION FROM XXXX XXXX OR REMOVE THE ITEM. THEY ARE INTENTIONALLY PUTTING THIS ON MY FILE TO HURT ME AND THAT IS AGAINST THE LAW. REMOVE IT NOW, AND DO NOT PUT IT BACK ON. SEE THE ATTACHED PROOF THAT XXXX INVESTIGATED AND COULD NOT VERIFY AND IF THEY CAN NOT THEN YOU CAN 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