milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/23/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (IL).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: I made a purchase on XXXX at XXXX in XXXX XXXX XXXX XXXXXXXX Illinois for new Counter Tops as well as other home improvement items. The purchase amount was for {$3900.00}. Synchrony ( Through Lowes ) was offering promotional APR of 5.99 % for 84 months with a fixed payment which would ensure the purchase would be paid off within 84 months. In reviewing my statement this month I identified that due to an error by either the Lowes store or Synchrony Bank this promotional APR was not applied to my account and Synchrony has been charging my account interest on the purchase at an APR of 24.99 %. To date they have over billed me in excess of {$1000.00} in interest charges. I contacted Synchrony to ask that they remedy the situation by crediting my account for the over charged interest and move the remaining balance to the correct interest rate for the remaining life of the promotion. The agent I spoke with acknowledged that there was likely an error by Lowes when ringing up the purchase and also acknowledged that I had taken advantage of this promotion previously on another purchase which seemed to corroborate my explanation that I should have received the 5.99 % promotion. After speaking with an agent and her supervisor they both refused to honor the promotion. They informed me that I needed to reach out to Lowes and get a copy of the original receipt and have the store re-ring the purchase so they could make the adjustments. I expressed my dissatisfaction with this because it should not be my responsibility to fix a mistake caused by Synchrony or Lowes ( Their 3rd Party Provider ) and  require me to drive 30 minutes from home to a store to do so. But regardless, I reached out to Lowes.  They have not sent me the requested receipt and the phone agent from Lowes indicated that even with it the store would not be able to do what the Synchrony Reps suggested. At this point I am still looking for Synchrony to honor the terms offered to me which I accepted.

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 12/31/2015 about Mortgage (Other mortgage) with Ditech Financial LLC (NH).
Issue: Loan modification,collection,foreclosure

Complaint: I have had what I thought was a morgage on my mobile home for the past 17 years ... a $ XXXX/30 yr morgage with 13.5 interest rate. Recently I learned that it was not a morgage but a regular loan with " Ditech '' formerly Greentree. They took over GreenTree loans earlier this year and it has been an awful experience. I was working with Greetree due to unemployment, when I could not get in touch with them. I finally had someone from ditech call me, harrasing me, referring to me as " baby girl '' telling me I better have somewhere to go cuz I 'm outa there!!! I was beside myself. I tried to explain that I had been working with GreenTree, that they were supposed to move a payment to the back of my loan. He said it did n't matter due to Ditech taking over. He would call and call, when I answered he would say crued things and eventually I stopped answering. I got to scared to call, scared to answer. He goes by the name Mr.MacDonald. This was just some of it. Since XXXX they have refused any payment from me ... saying they were bringing to the next level. In XXXX I paid two months. I 've tried to pay since ... they say now that because it 's past 90 days they can not accept payment ... .because it 's gone to their attorney. It was not 90 days late when they innitially refused payment. 
Help!! I do n't even qualify for a home loan modification, because it 's not a morgage???? I was never told that. I 've always known it to be a morgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2016 about Consumer Loan (Vehicle loan) with American International Finance, Inc. (IN).
Issue: Shopping for a loan or lease

Complaint: I got a car from Carplex in XXXX XXXX it was financed through American International Finance a in-house finance company. I traded in a vehicle which was paid for as part of down payment, i was to give the AIF {$1500.00} which they called a deferred down payment on XXXX XXXX with tax refund, I contacted the company to inform that my return was being reviewed and would not receive in time and ask for an extension of time to pay it, my car payments were up to date, i was told I would get a call back to let me know, no one returned by call instead they came and got my car without telling me. after finding out that AIF had picked up the car I was told that they would refund some of my money back and would forgive me of the loan, myself and a representative from the company signed off on a letter which is attached forgiving me of the loan and that it would not be reported as negative or repossession on my credit report. It has been very hard for to obtain another vehicle because this account is still showing as open, they have not reported since XX/XX/XXXX. I actually had to get a co-signer so that I could get another vehicle because Carplex/American International Finance refuse to report to the Credit Bureau that the account is now closed, I have contacted them numerous times regarding this matter.

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 05/26/2016 about Money transfers (International money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (MO).
Issue: Money was not available when promised

Complaint: I have been trying to send a money transfer of {$120.00} XXXX to XXXX for the 2nd time after having to cancel the 1st time due to pick up delays. Basically, although the transaction shows as " ready for pick up '' in the online app, and Moneygram has even collected the funds from my account, my sender has been unable to pick the money twice at large banking institution ( XXXX ) affiliated with Moneygram International. The recipient is basically being told that the number most be incorrect. Then, after having to send recipient the number for pick twice to no avail, I had to called the service line and to my surprise again they needed to verify my identify apparently due to suspicious activity. At the same time, I was transferred several times from the Hold Dept. ( Rep. named XXXX ), then Online Dept. ( Rep. named XXXX ), and finally they wanted me transferred back to Hold Dept. when I decided to end the call, and file this complaint. 
The issue is that this is not the first time that I have to verify my identify, and it seems that Moneygram is not taking any steps to update their system after having re-verify my identity several times before. And, I am instead being told that this issue will persist and that they are sorry, which seems unfair to to say the least especially when we are talking a mere {$120.00} XXXX. 
Bottom-line, I know of no basis to put me or my family through this needless hassle, and basically labeled as a " bad actor '' each time even after releasing the funds, and re-verifying my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Debt collection (I do not know) with Colony Brands, Inc. (VA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They constantly call and ask to speak with a person I 've never met before. Despite telling them that they have the incorrect number they harass me multiple times a day.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2017 about Debt collection (Medical) with CCS Financial Services, Inc. (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: In XX/XX/2016 I sent a certified letter to Credit Collection Services to verify debt which they ignored I also sent XXXX additional letters asking for verification and again was ignored with no response

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2018 about Vehicle loan or lease (Loan) with CREDIT ACCEPTANCE CORPORATION (MD).
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint: Good evening. 

I purchased a vehicle in XXXX of 2015. The finance company is Credit Acceptance Corporation. 

The original price of the vehicle was {$6400.00}. I put down {$3000.00} After providing my downpayment, as I went to sign my finance papers, I was informed that XXXX adds an extra {$2000.00} onto the price of the vehicle for their " lending service fee ''. Then, on top of that, since it made the loan more than what the vehicle is worth ... I was required to pay them a MANDATORY GAP insurance payment that was included in my monthly payment. 

Now, I understand that a higher finance rate is acceptable when starting over to rebuild your credit. But I have since found out that XXXX has been sued and found guilty in many states due to their " lending fee '' as it is considered predatory lending. Not to mention, GAP insurance is voluntary. I would not have even needed it if not for their {$2000.00} " lending fee ''.

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 10-01-2015 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I need to have a past car loan on my credit report changed from a degoratory status to not deregotory

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: National credit systems are stating that I owe a XXXX debt for a property. They have sent me a ledger of amounts. These amount are false. I have been trying to explain that i do not owe that amount. I am disputing the information. I have provided a reason of why i do not owe that amount and they continusly harass and will not show proof of the damages of property. They have XXXX base rent XXXX of XXXX and XXXX for XXXX. Damages for XXXX plus XXXX late payment charges of XXXX dollars a termination fee of XXXX. These are false when i spoke to XXXX and XXXX XXXX i explained to them the amount. XXXX told me that i was not at the property XXXX/XXXX/14 when in fact i moved out XXXX/XXXX/14. I paid rent that month and i also sent a notice for moving due to an incident at the home. They are not being fair. National credit systems sent me an 50 % offer off the XXXX in the amount of XXXX. I do not owe any of the amounts.National credit systems have ruined my life and my way of living. They are not trying to settle a reasonable amount and will not send proof of damages they claim to the property. They claim they have my record for that property but are unable to send me any information regarding proof of damages. How can National credit systems expect to receive a payment if they cant send evidence?. I do not owe this amount and i continue to express that. When i paid rent for XX/XX/2014 i do not know what they did with my payment. I have showed the property to the manager at that time when i left and there were no damages at that time. I called today and the XXXX says my bill is current. I need all proof of evidence.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Asset Acceptance is reporting the incorrect Date of First Delinquency for XXXX accounts on my credit reports. They are reporting the dates of first delinquency as XX/XX/XXXX. I have contacted the original creditor XXXX XXXX and have both verbally verified and now have physical proof that the date of first delinquency is XX/XX/XXXX. I have contacted Asset Acceptance Corp. on numerous occasions and given them a chance to rectify this. I have contacted them personally and I have contacted them through and with customer service representatives from XXXX, XXXX and XXXX. When I provided the proof to the representatives from the credit bureaus, they even agreed with me that Asset was reporting incorrect information. I am tired of going around in circles with them regarding this. It seems as this should have been corrected a long time ago. As a XXXX veteran I do not need the additional stress that this has brought upon me! It has become obvious to me that Asset Acceptance operates under there own set of rules and does not care if they violate the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2017 about Bank account or service (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (IL).
Issue: Account opening, closing, or management

Complaint: In an attempt to open an account, I waited the time frame I was told, but never received a response. I then contacted the financial institution and was told I needed to email identification. I complied and sent the information ( Passport and Drivers License ). A few days later I still had not heard anything, so I again contacted the institution and was told they could n't accept one of my identifications due to it not having all four corners visible. For a second time I complied and resent new pictures. After 5 business days of waiting, I called to see what was going on. I was told by a customer service employee that " we can not accept id through email ''. I explained that 2 other customer service agents told me to email the information. He stated that all he knew was they could not accept ID through email. I then asked for a supervisor. The supervisor told me that they had no records that my ID 's had been received. I then explained that I had sent them twice before. She asked me to send them again and that I would have to wait for approval. I explained to her that I 've jumped through enough hoops for this company and it was time that they did some jumping. I have now been dealing with this company for over 2 weeks, enough is enough. No action, no results, poor customer service.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/23/2017 about Debt collection (Payday loan debt) with Risecredit, LLC (MO).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint: I originally had a high-interest personal loan with Rise Credit, and, after repeated attempts to get Rise to work with me on their " automatic draft '' dates so that my account with not get hit on a week other than my pay week, I cancelled my auto draft with them and started calling in. I repeatedly asked for them to modify the date of draft and they would not, so I stopped paying them and told them that I would resume my payments when they acknowledged my complaint and updated my records. Rather than do so, they sold my loan to XXXX XXXX XXXX. I received multiple calls from XXXX XXXX XXXX and on XXXX XXXX, XXXX, spoke with one of their representatives, XXXX XXXX XXXX, about making payments. This call was taken on my personal phone after business hours. XXXX then drew up an arrangement and e-mailed it to me ; however, I did not find it originally as it had gone into my spam box. XXXX has since ( i.e., XXXX XXXX, XXXX ), called me multiple times nearly every day, even though I have repeatedly told him I do not take personal calls during the day. He then rang me through my employer 's number on Monday, XXXX XXXX, XXXX at XXXX XXXX I told him emphatically NOT to call me at work, and explained that I would be making my first payment the end of XXXX. XXXX called me again at my place of employment on XXXX XXXX, XXXX, and was told that I was attending the funeral of one of my co-workers. He again called today, XXXX XXXX, XXXX, at XXXX XXXX. and began asking for information regarding the name of my employer, my job position, etc., and I asked our Administrative Assistant to tell him again, not to call me on my work phone. I have now instructed everybody at work not to take his calls and I have advised his company that I have filed complaints with any agency that handles these types of situations. The specific information regarding XXXX XXXX and this organization is as follows : XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX, KS XXXX Toll Free : XXXX Fax : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (VA).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: The website will not allow me to make payments. Every time I try I get an error alerting me that the option is n't available at this time. I first contacted Capital One in XXXX regarding this error and they had no solution except to make payments over the phone. Up until that date I had made the payment every XXXX of the month without exception. I was forced to make a payment over the phone on XXXX on the XXXX and was charged a late fee. The rep assured me the problem would be fixed soon and removed the late fee. For XXXX and XXXX I again had to make the payment over the phone because the online system is still not working. For the XXXX payment I attempted to make the payment online and was denied that service again so I went to make the payment over the phone. What Capital One failed to disclose prior to that phone call is that any payment made by phone after XXXX would not count as same day but would be posted next day and I would be subject to a late payment even though I made the payment at XXXX and was forced to do so because their online system was still broken. It is XX/XX/XXXX and they have in fact charged me a {$35.00} dollar late fee. I have attempted to contact their customer service centers multiple times but they always say there is a 3 minute wait and I end up waiting for more than 30 minutes and getting disconnected. My last 3 attempts to contact Capital One have resulted in holding 30+ minutes and getting disconnected. 

I have attached a picture of the error I receive and of my payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: On XX/XX/XXXX i filed a dispute with equifax. I just checked and the web page for disputes pertaining to Equifax says temp unavailable. This has already been a week with the same message. I call the phone number and it is impossible to get through to a live person. On the phone it says that the investigation was completed on XX/XX/XXXX. I never received the results. If Equifax is so irresponsible to handle my dispute with such disregard. I dont see why they should be allowed to report on my credit. My name is XXXX XXXX the last four of my social are # XXXX date of birth is XX/XX/XXXX. I want someone to call me from equifax. I also want my results mailed to me. Lastly I want Equifax reprimanded for not keeping thier website in working order.

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2015 about Student loan (Non-federal student loan) with SLM CORPORATION (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: So the problem is that the Sallie Mae / XXXX customer service people call me XXXX times a day before my payment is even due. My due date is XX/XX/XXXX and just today XXXX/XXXX/2015, I received XXXX calls with the last one being the infamous XXXX XXXX message. I ca n't understand why they are harassing me when I 'm current? I have spoken to several supervisors including XXXX XXXX and XXXX but neither were helpful not to mention they were the worst customer service people I have ever dealt with. I thought easy lending with aggressive collection practices were a thing of the past? Sallie Mae XXXX XXXX is in serious need of reform.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2017 about Debt collection (Payday loan) with I.Q. DATA INTERNATIONAL, INC. (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: IQ Data is reporting on my credit report a balance of 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 07/22/2015 about Debt collection (Credit card) with Rubin & Rothman, LLC (NY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Rubin and Rothman had placed a judgement against me. I made an settlement offer of {$4300.00} which they excepted on XXXX XXXX, I have still not received any paperwork from them to vacate the judgement as they have agreed on.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-11-2016 about Debt collection (Auto) with SANTANDER CONSUMER USA HOLDINGS INC. (AL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX XXXX, my XXXX XXXX XXXX was totaled. XXXX paid Santander over {$14.00}, XXXX for the car. Well, I assumed the care was paid off and I owed nothing. Back in XXXX XXXX, I started to receive noticies from XXXX XXXX. I really thought it was a scam, until I finaly contacted Santander. I contacted XXXX XXXX, and proceeded to make monthly payments, which began in XXXX XXXX. XXXX XXXX, after being paid each month, was still reporting my account as not being paid and reported at first as a new account and then change to collection account with the original creditor being Santander for little of {$6000.00}. But, it strange that the balance was going down on the account. I have statements and emails stating that the account was being paid, but still stating that it was closed and never paid. I recently contacted XXXX XXXX, after they sent the payment for XXXX XXXX back to the bank, they state that the account been closed since XXXX XXXX for non payment. Now I am getting these harassing calls stating that my payment was returned and I need to contact them. But now it is showing on my credit report that Santander is now reporting the same account as a new account for collections.

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2017 about Checking or savings account (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (SC).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: not giving info to other company fast enough

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