milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-10-2017 about Bank account or service (Other bank product/service) with SYNCHRONY FINANCIAL (MD).
Issue: Account opening, closing, or management

Complaint: XXXX in XXXX, MD. XXXX sometimes use CareCredit to finance their procedures. CareCredit is owned by Synchrony bank. Over a year ago, XXXX. Last month, this XXXX filed a fraud claim ( worth {$8100.00} ). I was asked by CareCredit/Synchrony bank to provide documentation proving that the XXXX. The following week, I received a fax from Synchrony bank stating that I did not provide enough information and that I would lose the {$8100.00}. XXXX I tried to call CareCredit and Synchrony bank multiple times to see what I could do in order to resolve the problem so that I would not lose the money. Unfortunately, we were placed on hold, hung up on, and transferred everytime we called. I spoke to XXXX in the CareCredit fraud department and she could not help me. I asked to speak with the manager. XXXX told me his name is XXXX and that she would give him a message to call me, but I never heard from him. Finally, I did reach a manager, XXXX, who basically stated that the decision has been made and there is nothing I can do about it. This is very disheartening since XXXX, I XXXX and I will end up losing a lot of money. I feel like the faud victim now. Please help me find a solution to this problem. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2018 about Mortgage (Conventional home mortgage) with CITIBANK, N.A. (NY).
Issue: Struggling to pay mortgage

Complaint: I came down with XXXX XXXX and was unable to continue working my two jobs. I underwent a XXXX XXXXy, but luckily needed no further procedures. I had applied for a Deed in Lieu of Forclosure with Citi Mortgage back in XX/XX/2117. I submitted all of the necessary paperwork that was required of me, and moved out of the state, putting all of my possessions into storage in New York. Now, five months later I have been informed by Citi Mortgage that new paperwork is required because they changed their rules. I feel that I am being discriminated against based on a XXXX. Because I developed XXXX and was no longer able to work Citi Mortgage is making it impossible to continue with the Deed in Lieu of Forclosure. Since all my possessions are in storage in New York, I have no access to the paperwork.

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 07-10-2015 about Student loan (Non-federal student loan) with Forster, Garbus and Garbus (NJ).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: My XXXX XXXX XXXX student loans have defaulted and I am trying to find repayment options. The company that is processing them Foster, Garbus & Garbus are not giving me all of the information I need to proceed in resolving this debt. 
Here are the following complaints:1. I have asked for proof of my loan and they have not provided it and said that legal papers they sent me should serve as proof. 
2. They do not own the loan - XXXX XXXX still owns the loan. 
3. A fair repayment plan can not be accommodated, with adequate tracking of my payments and the balances. 
3. They are providing misinformation. I have read that after 9 months of a loan being in good standing ( with monthly on-time payments ) that it can then enter a rehabilitation plan - they advised that rehabilitation no longer applies to me. 

In summation, I want to reach a fair conclusion in being able to pay off the debt monthly without it crippling my future ( employment, marriage and renting/purchasing a home ).

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2015 about Consumer Loan (Vehicle loan) with HYUNDAI CAPITAL AMERICA (GA).
Issue: Managing the loan or lease

Complaint: I made mulitple payment arrangements with Kia Motor Fiancee on my XXXX XXXX XXXX XXXX. They told me that I would not be reported late to the credit bureaus because I had made payment arrangements. Ultimately Kia Motors Finance reported XXXX late payments to all XXXX of my credit bureaus, despite our payment arrangement.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Debt collection (Other debt) with TRACO INVESTMENT CORP (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: On or about XX/XX/XXXX of this year, 2017, I received a Wage Garnishment notice from my employer, by XXXX XXXX XXXX XXXX XXXX XXXX. This was to my surprise, because I was not aware that this old debt still existed, since as I understood, it was a time barred debt that had not been in my credit for many years. 
After acquiring the referenced legal documentation on my own, I reviewed it and found several clear and obvious " flaws '' in the core legal documentation. I noticed the following : JUDGMENT ( VOID ) : 1 ) The Proof of Service ( " POS '' ) for the initial Small Claims document, Plaintiff 's Claim, was NOT served properly, because stated therein : A ) Manner of Service, " Personal Service '', incorrectly states the wrong apartment number ; and B ) Even IF, stated the correct Apt number, it would still be a false and fraudulent statement ( needless to reference all the code/rules violations ), because I had moved out months before the supposed service period. 
Thereof, it is my understanding, that this void judgment would render this wage garnishment without merit, invalid, and VOID. 
In Addition, but at this point, less significant, the following : NOTICE OF RENEWAL OF JUDGMENT : All post renewal of Judgment documentation has been supposedly been served by mail, with these technical issues : A ) Again, reiterating, I have not lived at such documented residence, for way over a decade ( 16 years ) ; B ) Obviously, any remote due diligence attempt to verify the documented address to be my current mailing address were unsuccessful ; and C ) Any direct or indirect claims such as by affidavit, to have complied with required process service Rules/Codes would be clear violations of such pertaining local rules/Rules/Statutes, subject to but not limited to, not receiving any Return Receipts/Acknowledgments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with ASTORIA BANK (DC).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX XXXX - I sold the home and paid off the home mortgage with the proceeds from the sale. Astoria Federal Savings, held the mortgage and reports the mortgage as being in XXXX XXXX " closed and paid '' along with another paragraph which states, " account paid for less than full balance. '' This statement makes the impression that I sold for less than the balance of the mortgage or via a short sale. This is anything but the truth ... I paid them every penny and have the IRS tax records which easily shows the record. The only negative on the credit report was the XXXX 30 day late payment posted to the account in XXXX XXXX. I 've called them, I 've written them, I 've emailed them and I 've even faxed them ... .and not once have they replied. I 've addressed this with the credit agencies, but the dispute process is XXXX in which is all done electronically so no human has actually reviewed the supporting documentation that I 've sent them. I can not be the only person that has had issues with Astoria Federal Savings. It 's an easy mistake to correct but unfortunately they 're not be respectful and have proven XXXX interest in providing any client service.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2015 about Debt collection (I do not know) with Northern Alliance Management, LLC (KS).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: About two weeks ago got a call from a lady looking for my brother-in-law who lives in ohio. I took her number and stated I would relay it when I talked to him. A week later she called again, I told her I had not discussed it with him yet but would. I then started getting auto ( robot ) calls to take care of this debt. The debt is not mine, I am on a no call list and am not responsible for my brother-in-laws debts. The calls are coming from XXXX, Illinois the number on caller ID is ( XXXX ) XXXX, when I discussed it with the people who would only provide the company name of Northern Alliance, they told me they did n't like the tone of my voice and may just keep it on the IT list to call. I do talk loud XXXX but is that a reason to use such tactics against people who they know do not owe the debt? So not only are they breaking the XXXX no-call laws ( because they know the debt is n't mine ) they are harassing me in attempts that I will strong-arm my brother-in-law. What they are doing is not only wrong, I feel it is illegal and morally wrong. I want the calls to stop, I have excellent credit ( at or over XXXX ) but that does n't make me responsible for debts made by my relatives much less those by marriage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Debt collection (Federal student loan) with Navient Solutions, LLC. (LA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: i had loans that were with navient yhat were reporting late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, i spoke to coustomer service and we determined that i was in deferment or forberance at those times so my credit report should not be showing late. they said they were gon na fix it but nothing has happen yet

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2016 about Mortgage (Reverse mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: In 2009, my father was solicited to apply for a reverse mortgage. He was XXXX years old at the time. According to a Wells Fargo reverse mortgage bank statement we have, he was approved for a reverse mortgage loan in the amount of {$120000.00}. My father has since passed away and Wells Fargo is now trying to foreclose on his house. As the executor of his estate, I have spent the last few months requesting Wells Fargo to provide information that my father did in fact receive the proceeds of the loan ( e.g., evidence of wire transfer or a copy of cashed check, etc. ). To date, Wells Fargo has not provided any information. 

My father was a low-income, XXXX living alone on a fixed income. I believe he may have been targeted for an unnecessary loan based on his profile. I am concerned that my father did not fully comprehend the consequences of a reverse mortgage, nor did anyone at Wells Fargo fully explain the terms of the loan. Based on Wells Fargo 's unwillingness to share information about the loan, I question whether my father even received the full proceeds of the loan.

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 07-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with First Data Corporation (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft. I became aware that several credit and checking accounts were opened in my name without my approval, consent or knowledge. From 2016 until present I have not applied for or opened any new checking or savings accounts whatsover with any bank. I bank with XXXX XXXX XXXX which I opened in person in New York. Every other bank account and inquiry on my XXXX and XXXX XXXX XXXX report is a result of fraud. I did not even live at the addresses that were given to XXXX or XXXX XXXX XXXX. I am attaching a copy of my photo ID, birth certificate and my current lease showing where I actually lived during this time of identity theft. The only account that is actually mine is with XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2015 about Bank account or service (Checking account) with REGIONS FINANCIAL CORPORATION (FL).
Issue: Problems caused by my funds being low

Complaint: I received a NSF fee for an item even though I had a positive balance on my account after the item was charged. All of the items posted and left me with a positive balance at the end of the business day on XXXX/XXXX/2015, but on XXXX/XXXX/2015 the item was termed and I was charged an NSF fee. My online banking shows no sign that I was ever in the negative- I am attaching a copy of the bank statement. I spoke to XXXX people at the bank today, XXXX of which stated they were supervisors ( XXXX and XXXX ) who all stated that Regions Bank 's back office support is different than what their customers see via online banking. This is extremely disturbing- this ultimately means that the information related to the consumer is incorrect and can result in extra fees unavoidable to the consumer. 

I was advised that pending transactions from XXXX took precedent over all other charges that were posted the same day, even though the pending transactions did not post until XXXX/XXXX/2015. I hope I 've explained my complaint in a way that can be understood- I 'm still perplexed myself at the entire situation. The bank statement will clarify why I feel Regions Bank is acting unlawfully in not presenting all information to their consumers to assist in avoiding extra fees.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2016 about Debt collection (I do not know) with Phoenix Health Care Management Services, Inc. (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I continue to receive calls at work and at home from a company asking me for my birthday and SS # prior to verifying who they are. When I refuse to provide this information to anyone over the phone, the caller will tell me that I owe a debt but they will not tell me to whom or how much. I will not provide any personal information or financial information to anyone over the phone and the person or person 's calling will not disclose this to me. The only information they will disclose is where they are calling from. With repeated calls to my place of business AND at home, I am now forced to report them.

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Debt owed to the collection agency has been paid in full and the credit agency us still showing balances and open accounts

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 06-12-2016 about Debt collection (Medical) with North American Credit Services (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Medical debt that I did n't expect to have since I had my medical insurance

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: 1 ) Trans u nion is still reporting my BK filed in  X/2008 . The law at the time of filing is 7 years but was later changed to 10 years not retroactive. Should be removed from my file.     2 ) Inquires not authorized by me are on my file and should be removed and have not been removed.
3 ) Dis  puted accounts have not been removed after the 30 day limit to respond by the creditors Thank You  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 02-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX XXXX XXXX closed one of my accounts ( it still shows open with Equifax ) and stated that my credit was no longer good enough to have the account. I was puzzled so I went to look up my credit score. My score was suddenly about 60 points lower than normal with the FICO 8 score. However, my report showed no changes in accounts. Since then, my score has been fluctuating wildly several  times a month. I have contacted Equifax about it and asked them to make sure I don't have split reporting. I've been told I do not but that seems to be the only logical answer. Creditors that use Equifax are not viewing my negatively even though I have no new negative information reporting. If I don't get this resolved, I will seek legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax confirmed my personal data may have bee compromised. I agreed to the free credit monitoring and several days later, Equifax sent an email containing an online link to finish the credit monitoring sign-up. Since then, two weeks, I have never been able to successfully access the website. Calling the telephone number results in long wait times. My most recent call was Friday, XXXX XXXX, 2017, and this was the longest I waited for an agent - 45 minutes. It would have been a hour, if I had thought to pick up lunch before calling during my lunch break. I hope XXXX XXXX will take action before his term ends.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2017 about Mortgage (Conventional home mortgage) with Specialized Loan Servicing LLC (CA).
Issue: Struggling to pay mortgage

Complaint: Hello, Thank you in advance for hearing my complaint. 

I am 2 years in application for mortgage assistance with " Keep Your Home California '' and " XXXX XXXX XXXX, XXXX ''. 

What started as a few months delinquent has now become 2 years in arrears. Due to delays with processing and changes in equity value I 've been encouraged to re-apply over and over again. Wasting time and increasing my arrears to currently over {$70000.00}. 

Now while still awaiting final decision regarding XXXX assistance, my lender, ( SLS ), has moved forward with Trustee Sale. I now have a sale date of XXXX/XXXX/XXXX and it 's escalated my situation into forcing me to sell my home to avoid loss of existing equity. ( potentially approximately {$200000.00} ). 

I was told that a sale date would not be set until the XXXX decision was finalized. 

Any information and assistance in pursuing this matter and saving my home is greatly appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: On XXXX XXXX, 2015 I called XXXX. I verbally requested that they send me verification that they owned the debt. I also wrote them on XX/XX/XXXX and have yet to receive anything from them at all. I have requested that they stop reporting to the credit bureaus and they have not stopped. When I disputed it with the credit bureau they responded back stating that XXXX sent them information stating that they own a debt that I owe. Well, I 'm still waiting on this as I have a right to see that they do in fact own any debt that I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2015 about Mortgage (Home equity loan or line of credit) with CITIBANK, N.A. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I am in the process of foreclosure with Citi Mortgage. They offered me {$5000.00} cash for keys with a sale date of XXXX XXXX, with the agreement that they would review in good faith my loan modification application. I made Citi a settlement offer on XXXX XXXX but to this date have not received a reply On XXXX XXXX Citi had the locks to my house glued shut. I have made multiple phone calls and sent several emails to both Citi and the attorney for Citi, XXXX XXXX XXXX XXXX XXXX XXXX, FL looking for answers on why my locks were glued shut. Citi does n't even have me on their system anymore. When I call, they are unable to access my loan with my loan number or SSN. It is like I do n't exist. The only reply I received was from an associate at XXXX XXXX XXXX saying that my doors had probably been glued shut by the first mortgage company. I have NO first mortgage company. Citi is the only bank with a mortgage on my property. I believe they are doing this to prevent me from going into my house and fulfill my agreement with them, which would relieve them from paying the {$5000.00} cash for keys. Perhaps this is a strategy to harass me into walking away from my house.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/19/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My personal information was compromised. Someone is trying open up credit card accounts in my name without authorization. When I called the individual companies, they said they can not do anything about it. 
Here are the inquiries in question. 
XXXX XXXX/XXXX/XXXX XXXX XXXX Card XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX Banking XXXX XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX XXXX XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX XXXX XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX XXXX XXXX/XXXX/XXXX Banking XXXX BANK XXXX/XXXX/XXXX Banking XXXX CARD SVC XXXX/XXXX/XXXX Banking XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX Banking I am requesting validation, made pursuant to the Fair Debt Collections Practices Act. I am requesting competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to run my credit.

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