milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/28/2016 about Bank account or service (Checking account) with PAYPAL HOLDINGS INC. (GA).
Issue: Making/receiving payments, sending money

Complaint: So I was just buying things in ebay with my debit card and when I bought things it said that it that the payment was unsuccessful and when I looked in my purchase history it said that I had bought it, I contacted the sellers but no response yet ... .Did I lose my money for nothing?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/22/2017 about Debt collection (I do not know) with Zenith Financial Network Inc (NC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: These people are repeatedly calling me without leaving a message as to whom they are. I only found out they are a debt collection agency by calling their number and hearing a recorded message. The one time I did answer, the lady just said my first name but did not announce who she was or whom she was with.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (MD).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I have a JcPenney credit card issued by XXXX XXXX. I made my first purchase with them on Saturday XXXX/XXXX. I have a {$100.00} credit limit and spent {$60.00}. I go to pay if it off yesterday XXXX/XXXX, and there is {$0.00} available balance.
There is a posted transaction for {$60.00} and then a pending charge for {$60.00} ( it put me in the negative by {$20.00} ). It stated online all pending transactions will post in 48 hours.
I contacted them yesterday XXXX/XXXX and they told me I would n't be charge and the pending amount should fall off soon.
Today, XXXX/XXXX, I checked again and it 's still pending. Contacted them again and the girl was very rude and said I had to wait till Monday to see if it " falls off ''.
This is absurd. I have other Synchrony cards- and none of those, do this. Why is this allowed? This is not right! I have both reference numbers if you need those.

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 06/17/2015 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (DC).
Issue: Deposits and withdrawals

Complaint: Deposited US Treasure check at Suntrust ATM XXXX XXXX # XXXX XXXX on XXXX/XXXX/15, presented receipt of Deposit to XXXX XXXX Suntrust Branch Manager, and funds were not available.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Delinquent account

Complaint: On XXXX/XXXX/15, I received an e-mail statement from Bank of America 's Online Banking, stating I have a payment due on XXXX/XXXX/15 for {$99.00}. On XXXX/XXXX/15, the same day I received the email statement, I made the payment of {$99.00} and it posted to my account on XXXX/XXXX/15. 

On XXXX/XXXX/15, and on numerous dates thereafter, I contacted BOA via chat and telephone, to inquire as to why it was still showing that I still had a payment due on XXXX/XXXX/15 for {$99.00}. I was informed that BOA was making changes to their Online Banking system and that I need not worry and my {$99.00} payment on XXXX/XXXX/15 will be applied to the XXXX/XXXX/15 due date. 

On XXXX/XXXX/15, I noticed that my account was past due, there was a new payment due immediately for {$98.00}, a {$25.00} late fee for payment due, my card was blocked from use and my credit line was decreased from {$10000.00} to {$8900.00}, as a result of this " delinquency. '' All of these penalties occurred without reason and prior notification to me. 

On XXXX/XXXX/15, I contacted BOA via chat and telephone and after research, it was discovered that it was bank error that my payment for the XXXX/XXXX/15 due date was incorrectly applied in the system and therefore, I received a {$25.00} late charge adjustment. I was then informed that this matter would be immediately rectified and the new payment due immediately for {$98.00} would zero out and I would only have to pay the XXXX/XXXX/15 amount due of {$120.00}. 

On XXXX/XXXX/15, I noticed that my account was still past due, and now I owed an amount of {$220.00} by XXXX/XXXX/15 ( $ 98+ {$120.00} for XXXX ). I contacted BOA again via chat and telephone and again, was advised this would again be immediately rectified. Not trusting BOA after false information was previously provided to me, I paid both the {$98.00} and the {$120.00} to have my account placed back in good standing, even though it was in good standing and always has been. 

On XXXX/XXXX/15, I contacted BOA via chat and telephone and inquired again as to why this has n't been rectified and more importantly, to request my previous credit line of {$10000.00} be RESTORED, since the reduction was a result of BOA incorrectly putting my account in delinquency. I was advised that would be impossible without running a new credit report and I declined. I DID NOT REQUEST an INCREASE in my credit line, I requested my credit line be RESTORED, due to BOA 's error. 

Not only did BOA misapply my payment, I had to pay a new payment due immediately for {$98.00}, a {$25.00} late fee for payment due, which was later refunded, my card was blocked from use and my credit line was decreased from {$10000.00} to {$8900.00}, and the refusal to RESTORE it, as a result of BOA 's error, is appalling.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 02-09-2018 about Credit card or prepaid card (Store credit card) with TD BANK US HOLDING COMPANY (NV).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I have a XXXX  XXXX XXXX # XXXX XXXX XXXX XXXX. I mainly only use it around the holidays for my kids toys. Note : My FICO is over XXXX. 

In short every time I use this card, there are fees and interest ; no matter when I send payment in. Always marked a day late " every time '' Most of the time they remove them, but ; this last time when I called to complain on XX/XX/XXXX @ XXXX, no go. When I asked for a Supervisor they instead hung-up on me! I called back later and even more charges accrued and still no relief. 

Here is my theory, they talk you into the card for the 5 % Discount then they advertise they give another 5 % to Charity. So, in short, " everyone '' gets a late payment no matter when you send in a payment. Always just one day late! There are hundreds & hundreds if not thousands of complaints for the exact same reason on-line. This is a scam!!! 

They bill on the XXXX of the month. Add, 5 to 7 days for mail ( their time frame ) and I am getting the bill on the XXXX. Plus, I allow 5 to 7 days return mail, that takes us to the XXXX. They close out and must receive payment by the 5th. That leaves just 13 days for that transaction to close out. No matter when you send the payment ... always one day late. 

Please look into this matter at your earliest convenience ... I am certain they are paying for their charitable contributions and the discount with exorbitant late fees and following interest charges. 

Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: My Trans Union Report incorrectly shows 2 Federal Tax liens. They show paid but the do not include the new necessary information and therefore must be deleted under the new guidelines. It does not show my SSN or DOB. Transunion refuses to delete this despite the new regulations. 

( The standards will apply to new and existing data in files and will require that the public records sources include the individual 's name, address and Social Security number or date of birth. )

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 03-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (UT).
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: 3 Months Ago in XX/XX/XXXX I discovered Items on my credit report that I did not recognize the Creditors, Amounts, or Dates. 
The Items are : XXXX XXXX XXXX Acct # XXXX {$1600.00} & XXXX Acct # XXXX {$2200.00} Both Items are the same account with the same account number reporting twice. However, with different amounts and dates. 

XX/XX/XXXX I sent a certified letter to each Credit Bureau requesting validation. 
XX/XX/XXXX They responded and said they had validated the information, but provided me no other information or supporting documentation or evidence XX/XX/XXXX I sent a second certified letter and directly disputed with the Furnisher of the information ( XXXX XXXX XXXX  ) To date ( XX/XX/XXXX)  The Furnisher has not complied with the FCRA. They have refused to respond to my request for information including, ownership, credit agreement, terms or who opened the account. 
The Furnisher placed the information on my credit report without ever notifying me of its existence. 
XX/XX/XXXXI filed an identity theft report XX/XX/XXXXI called Experian to resolve and was told there is no way to fax documents. I was told to use their upload site. 
XX/XX/XXXX Attempted upload via experian.comXXXX each attempt even for a single page resulted in an error instructing me to mail documents XX/XX/XXXXI attempted to submit the dispute online at experian.com the site instructed me that the dispute had been resolved the info was validated and I could not continue to dispute. 
XX/XX/XXXX I sent a third certified letter to Experian requesting the information be deleted. and including the identity theft report. 
Both Experian and the Furnisher are complicit and continue to report Invalidated, Unverifiable and Incomplete information on my credit report. This derogatory information is causing me financial harm and is going to cause me to breach a financial contract both Experian and the furnisher are in violation of the FCRA.

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 08/26/2016 about Credit card () with NAVY FEDERAL CREDIT UNION (FL).
Issue: Other

Complaint: The issue is that on my XXXX Credit Report .My Date Opened is incorrect. I have disputed it with XXXX three times and filed a complaint and a dispute through you CFPB and it still is has n't been updated. Date Opened needs to be updated to XX/XX/2016. It 's reporting incorrectly as, XX/XX/2016.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Navient has provided false information about my student loans stating they will waive interest and late fees by putting my loan in forbearance. My loan has accumulated interest and late fees. I keep getting numerous calls ( 3-5 a day ) When I speak with a Navient Representative they state they will fix the issue but they never do. I am currently not working a lot due to an injury at work and do not have the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There is a hard inquiry from XXXX XXXX. I have never been there and have never applied for credit through them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2017 about Mortgage (Home equity loan or line of credit) with PNC Bank N.A. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Late in XXXX, my wife and I lost a rental property in foreclosure. There was a Home Equity Line on the property as well with PNC Bank. I contacted them and they asked me to continue making payments on their loan, as it was the first Trust Deed that foreclosed on the property. We kept making payments on time for almost 5 years. Then out of nowhere, I received a statement from PNC Bank that they had written off the loan and would no longer accept payments. It took a few days for me to be able to reach someone at their company, and they told me that they may not have had the " right '' to collect the payments after the foreclosure at all so they wrote off the debt. I received a cancellation of debt notice from them and they then reported a charge off on my credit. So now after almost 5 years of paying on time, I have a new negative report on my account because they thought I should n't have had to pay in the first place. 

What I would like to have happen is : 1. The negative reporting should be dated the date of the 1st TD foreclosure ( which was in late XXXX ), so my credit is n't negatively impacted for 7 more years from the arbitrary date PNC decided to write off the debt - XXXX of XXXX. This has already created a hardship for me in that I tried recently to refinance my home and was denied because of this negative reporting. This is for both my wife and myself. 
2. If PNC was n't allowed to legally collect the debt in the first place, then they should refund the 5 years of payments we made after the 1st TD foreclosed. The payments were {$500.00} per month, and over 5 years this equals over {$30000.00}. 
3. There should be some kind of penalty involved for PNC for the arbitrary nature in what they did. I recognize that a foreclosure is not a good thing, but there are certain amounts of time where this is intended to negatively impact a person 's credit. Because of how they handled this, my credit has been impacted not just for the 7 years an item like this remains on a person 's credit, but for an additional 5 years because they are reporting it in XXXX instead of XXXX. This is really unfair in that I paid their monthly payments just like they asked me to.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (UT).
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint: I received a voicemail from XXXX ( XXXX ) XXXX ( XXXX, MD ) from XXXX from Best Buy Credit card services in reference to a Best Buy credit application submitted in my name. I was given a reference # : XXXX and a security code : XXXX which I would need to provide when I called back to XXXX ( XXXX ) XXXX between the hours of XXXX XXXX and XXXX XXXX EST. I did try the number and the automation message requested me to say the reference # which I did several times - after which it sent me to an automated voicemail stating they were closed for the holiday. I tried to call the number and hit 0 to talk to a representative and the automation asked for my Social Security # -which I did not provide and then went to the same automated message that they were closed for the holiday.

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 03/22/2017 about Mortgage (FHA mortgage) with Endeavor Capital, LLC (NC).
Issue: Loan modification,collection,foreclosure

Complaint: Homestead Mortgage Financial Services called me the first week of XX/XX/XXXX. The representative told me that they had a fantastic offer for us on our mortgage loan. He asked if we 'd ever heard of the HAMP mortgage assistance program. He went on to explain that we could get a 2 % financing rate and a lot of our principle truncated to help us attain an affordable mortgage payment. We were excited and accepted the offer. He went on to explain the necessary procedures for the loan modification. The fee was {$2600.00}. We were told to mail XXXX postdated checks in the amount of {$860.00} each for three consecutive months beginning with XX/XX/XXXX. The total fee was short by XXXX ( {$.00} ). He said that did n't matter. We were told that the process could take as long as five months. We were asked through the past months to fill out and fax various papers. We complied with every request. We were also told not to communicate with XXXX our mortgage holder because it would complicate the modification process. We received a call XX/XX/XXXX stating that the modification was complete. I asked how much the new payment was going to be and they said {$930.00}. Immediately I told him that that was not what they promised to do. That was the same thing that XXXX offered us and I told Homestead that they lied to us about a modification. Today, XX/XX/XXXX He told me and I quote his exact words, " You have President Obama to thank for that. '' He then said that President Obama cancelled all of his mortgage programs XX/XX/XXXX. I asked him what did that have to do with our loan which was supposed to be processed starting XX/XX/XXXX. He just hung up on me. They have just left us hanging without further due to deal with our mortgage. We do n't want to lose our home, so we are pleading you all to assist us with this matter. The last XXXX pages of the file are the latest correspondences we 've received from XXXX XXXX. I have previous files with you all about XXXX having illegal loan papers on this property ( XXXX XXXX XXXX ) and that issue has been resolved. They caused my credit to go bad and now I 'm stuck with trying to find financing with poor credit. We have been had too many times. This is why I 'm contacting you all again to help us find affordable financing.

Company response to consumer: Untimely response
Consumer complaint received 03/24/2017 about Consumer Loan (Installment loan) with SYNCHRONY FINANCIAL (KS).
Issue: Problems when you are unable to pay

Complaint: I was unemployed for 4 weeks and got behind in payments the first month. I fully intend to repay the {$800.00} loan for dental services. Yet they continually call 5-10 times a day, send letters, and emails. I can not repay the loan if Synchrony Financial continually harasses me while working. I will lose my new job and will not be able to make the payments. I can not make the payments, if Synchrony Financial continually harasses me at work, I will lose employment.

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 06/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I had a car title loan with  XXXX   XXXX  on a  XXXX   XXXX   XXXX   in 2013. I  lost my job and was unable to make the payments. They took my car and my account was turned over to a company called  XXXX   ,   XXXX . They sued me for {$1000.00}. I paid this to this company and have satisfied this debt. I asked this company to remove this negative item from my credit report but was told that they bought the account so they could not remove it from my credit report. I have contacted  XXXX  that was listed on the credit report was not the original account holder and they would not remove the negative item because I paid another company. This was done by phone. I have sent  XXXX  ( to the address on my credit report  ) 2  letters with no response. I have tried to dispute this with the credit bureaus but I have not gotten anywhere with them. How can I get a negative item removed when I pay the debt when everyone keeps telling me that they ca n't do it because they do n't " own '' that debt anymore. I am trying to buy a house and this is causing me to be unable to qualify for a mortgage. If you pay off a debt then it should be removed from your credit report.

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 03/30/2015 about Credit card () with CITIBANK, N.A. (NY).
Issue: Credit line increase/decrease

Complaint: as of XXXX/XXXX/2015 as per attached statement, I had a credit of {$1000.00} available. I had received a refund fro merchandise i returned at home depot for {$730.00}. Now suddenly my credit limit is reduced by {$900.00} and it is {$4100.00} instead of {$5000.00}. This caused me to loose money i paid as well as the refund amount of {$730.00}. this is abusive practice and totally unfair on behalf of the card holder. I fell i should have taken store credit for {$730.00} and not put it back on my home depot credit card. No i do not have the merchandise and nor the credit available which was issued as refund to me on XXXX. I have attached the statements fro XXXX, XXXX and XXXX. Please help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2016 about Credit card () with HSBC NORTH AMERICA HOLDINGS INC. (SD).
Issue: Other

Complaint: Did not provide a response Delinquent Account Lender XXXX/XXXX/16 HSBC BANK XXXX XXXX XXXX XXXX, NY XXXX XXXX A lender reported that you did not pay them on time, and the account is now 30, 60, or 90 ( or more ) days late Reporting Detail Account Number XXXX Amount Delinquent {$0.00} Account Balance {$0.00} Payment Status Unknown Contact Method Other Got it XXXX / XXXX is posting an account delinquent which is being reported as 30,60,90 days past due. This should n't even be on my history. Also I called them and they keep giving me the run around and can not find this account.

Company response to consumer: Closed with explanation