milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-04-2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (CA).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: I have a Synchrony Bank card ( Care Credit ) and my payment due date on my account is on the XXXX of each month. I never been late or missed payments on this account and in XXXX, was the first time I made my payment a few days later on XX/XX/18 for {$73.00}, due to a payroll error with my employer. Since I never been late on this account, I was advised by a representative that a late fee would not be added to my account, however, on XX/XX/2018 would be added. In XXXX, due to an oversight, and still recovering from my reduced paycheck for the prior month, I didn't realized that I forgot to make my payment on XX/XX/2018 and on XX/XX/2018 when I logged on to my Synchrony Bank account to make my regular payment, I noticed my minimum due amount being really high, so I contacted Synchrony Bank and was connected with a representative named XXXX, who assisted me in removing the {$38.00} late fee that was already posted on my account on XX/XX/18. My XX/XX/XXXX statement was showing a total due amount of {$170.00} and she advised me to make a payment for {$140.00}, since both my payment and late fee reversal would total {$170.00}. I made the payment of {$140.00} and today when I logged on to my account to verify accuracy on my account after payment and late fee reversal were posted, I noticed that there is still a payment amount requirement in the amount of {$38.00} due on XX/XX/18. I contacted XXXX XXXX again today ( XX/XX/18 XXXX PT ) and asked to speak with a supervisor and was transferred to a male representative who introduced himself as " XXXX ''. I explained the situation and asked him how this situation can be corrected and he was not informative, and just told me that although there was a payment for {$140.00} and an adjustment for {$28.00} on XX/XX/18, I am still required to make the additional payment for {$38.00}. XXXX XXXX was unwilling to research further to give me the correct information and when I told him that information was incorrect and I was going to request assistance from CFPB, he was condescending and told me to go ahead and file a complaint if I wish to do so. I contacted XXXX a second time and was advised that the {$38.00} fee reversal was made for the XXXX payment and the XXXX late fee reversal promised by XXXX on XX/XX/2018 was never reversed. I am requesting assistance from CFPB on this matter, since I had no knowledge on this fee and miscommunication from representatives, and this error can result on a negative entry on my credit reports.

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 10/19/2016 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I ca n't get my report online because of ilgetting answers wrong when it checks my identity because it 's not accurate so it 's easy to see why I got it wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Mortgage (Conventional home mortgage) with Caliber Home Loans, Inc. (MA).
Issue: Incorrect information on your report

Complaint: When i had my credit pulled XX/XX/XXXX, I discovered that Caliber had reported several late payments. When I confronted them, I was told that although I processed the payments in the month they were due, the payment was not posted until the following month, causing the 30 day late. 
I told the supervisor that at on a call in early XX/XX/XXXXthe representative told me that as long as i processed the payment within the month it was due, it would not be reported late. I spoke with a different agent in XX/XX/XXXX and was told the same information.

Now i have 7 instances of a 30 day late payment on my credit and i am unable to secure a mortgage on a new home.

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2016 about Mortgage (FHA mortgage) with NJ LENDERS CORP (NJ).
Issue: Settlement process and costs

Complaint: Lender is pressuring me/ deceiving me in to purchasing products/ repairs I DO NOT NEED OR WANT

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 03/15/2018 about Debt collection (I do not know) with CCS Financial Services, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I will be entitled to under Section 616 and Section 617 if the  UNVERIFIED debt with XXXX XXXX XXXX with a balance of XXXX with file # XXXX if this account is not deleted from your file. 

I`m making this complaint through the Federal Trade Commission so it can be used as evidence in pending litigation provided you fail to comply with this offer of settlement.

To my knowledge, I never done business with your XXXX XXXX XXXX and I have no legal binding contract with this company. Per FCRA, I`m demanding this XXXX XXXX XXXX provide me an original documentation ( a consumer contract with my signature on it, showing I have an agreement with XXXX XXXX XXXX as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and provide the method of verification as required under Section 611 ( a ) ( 7 ). 

Do not send me bank statements, or payment history in replacement of not sending me the original consumer contract with my signature on it. 

Now that you have violated the FCRA, because I have no contract with XXXX XXXX XXXX. I will be entitled to XXXX per occurrence of each violation. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I`m entitled to under Section 623 ( a ) ( 1 ) ( A ) if XXXX XXXX XXXX with a balance of XXXX is not deleted immediately from your file. 

This unverified item will be in violation of Federal Law once you report it to my credit report. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (TX).
Issue: Problems caused by my funds being low

Complaint: On XXXX XXXX, after XXXX business hours ... I made XXXX charges, knowing that my paycheck was being deposited first thing in the morning. I discovered that both charges posted that very same night ( which has never happened in the 2 years I have banked with them ), and Chase bank charged me overdraft fees totalling {$64.00} ( {$34.00} each ). I called them right away, explained the situation and was denied any help in reversing the fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12-10-2016 about Debt collection (I do not know) with Blitt and Gaines, P.C. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Identity theft in XX/XX/XXXX/XX/XX/XXXX when I was XXXX produced an account which a debt collector is attempting to obtain a judgement on in court

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2017 about Debt collection (Other debt) with ProCollect, Inc (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I never had a contract with this company called PROCOLLECT. I sent a validation letter on XXXX / XXXX /2017.  I never received any type of validation in regards to my letter from this company.Procollect states that I owe them XXXX for an unpaid balance but they have yet to send any validation that I have a contract with this collection agency.. I also called on last week with a recorded phone call and they stated that they can settle the account for XXXX but that 's only valid for 48 hrs. Then they stated that we agreed on the settlement which I did n't, but because I called they said I agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (VA).
Issue: Loan servicing, payments, escrow account

Complaint: JP Morgan Chase foreclosed on our home and claims that it was legitimate and by the guidelines after accusing me of not submitting the requested documents in a timely manner, during a loan modification review. I submitted EVERY document that they requested and in a timely manner. The law firm that was assisting me with trying to obtain a loan modification even sent the same documents and in a timely manner as well. 
Evidently the documents sat somewhere in their building or mail room and did not get processed as they should have and they accuse me of not submitting them in a timely manner. I have written NUMEROUS times to inquire about our request and of course I could never get the same person on the phone more than once and always had to try to figure out who I could possibly speak with that could help me but there was never anyone that could. 
Although, I did manage to get temporary payments set up and got the number of one person that was able to help me ( but he could not help me with the rest, only temporary payments ) and he told me to call them in rather than mail them so I did just that. After making several temporary payments while our account was under " modification review '', which I did calling the same guy each month, I called the same number and he was not available because he evidently " was promoted and was no longer in that office ''. When I asked to be transferred to where he was of course the representative that answered the phone did not know where he was so she asked to help me. When I told her that I was set up with temporary payments she pulled up my account and told me that she could not accept my payment because our loan was under a " modification review '' ... .. so I reminded her of what I just explained to her but she would not accept my payment. When I explain this in my reports they basically accuse me of lying and say that no one there would have said that to me. Perhaps they could retrieve the " recordings '' that they say they make for " training purposes '' and find out that she did tell me that. I gave them the name of the n person that I spoke with and the number that I called. 
I am NOT going to stop reporting this because I think it is wrong for a XXXX XXXX dollar company to treat people that are trying to save their home like this and foreclosed on our home when we were trying to save it. 
They have been fined numerous times for doing this to homeowners but yet still get away with it. Why?

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I got a rejection letter from XXXX XXXX XXXX XXXX, dated XXXX/XXXX/XXXX, reference number XXXX, for a loan application from XXXX XXXX on XXXX/XXXX/XXXX. The reason for not approving my request was " there are too many delinquent past or present XXXX XXXX credit obligations. '' I do not have nor have I ever had any XXXX XXXX credit cards. My sister in law, however, does and she has BAD credit. XXXX XXXX XXXX, dob XXXX/XXXX/XXXX, new married last name XXXX. She used to live at my husband 's and mine current address XXXX XXXX XXXX, XXXX, NC XXXX. Somehow XXXX XXXX has confused our XXXX separate identities and now it is affecting all XXXX credit reporting companies! When I attempted to check Equifax for my credit, I could not correctly answer the XXXX security questions. I thought they did not pertain to me and said " none of these '' but when I ran into the same weirdness on XXXX, I answered the questions as my sister in law and was able to get in.

Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: Non refundable processing fee of {$120.00} due to unknown legal order. As a result, other transactions became insufficient funds with fees.

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 11-07-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Account opening, closing, or management

Complaint: Re checking acct XXXX XXXX XXXX # XXXX About 15 years ago I walked into XXXX XXXX in XXXX XXXX, FL, now Wells Fargo ( WF ), with my very old parents. We set up an account with me as power of attorney. I was not informed that at the death of my parents I would lose control of the account. The bank officer did not inform me of this and thus negligent. So when my parents died I lost control of the money. When I explained this to a local WF bank officer she winced. Since the account is worth {$2500.00} it does not pay me to spend {$2500.00} in legal fees to probate the estate. I want WF to own the mistake of their employee. They have a legal staff so it would not be expensive for them to represent me by filing for probate so I could get the money after probate. 

Six months ago, the WF officer in XXXX Fl, told me WF would escheet the money to the State of FL. Thus I could get the {$2500.00} without legal expense. This never happened. 

In a phone call to WF today told me WF would not deal with the issue.

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 12-08-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I sent Navient a goodwill letter regarding the late payments being reported on my credit files, also informing Navient I had XXXX XXXX around the time some of the late payments are being reported. In Navient 's response I was told retroactive deferment and forbearance processing resolved the delinquencies and past due statuses, but because the reporting I requested to be removed occurred prior to my requests they will not be able to remove the late payments from my credit report. Navient is in violation of Section 623 ( a ) ( 2 ) of the  FCRA by not removing and updating the late payment statuses. 

Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by " furnishers, '' or persons who furnish information to consumer reporting agencies ( " CRA '' ) such as credit bureaus. In particular, this section requires a person that " has furnished to a consumer reporting agency information that the person determines is not complete or accurate '' to " promptly notify the consumer reporting agency of that determination '' and provide any information needed to make it complete and accurate. ( 1 ) Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. A furnisher that reports current information to a different CRA has done nothing to " correct and update information '' with CRA that possess the information that the furnisher has now determined is incomplete or erroneous. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to " update '' accounts as well as to " correct '' those that were erroneous when submitted to the CRA. 

Section 607 ( b ) of the FCRA requires CRAs to " follow reasonable procedures to assure maximum possible accuracy of information '' in their consumer reports. It is our view that a CRA that refuses to accept updated and corrected information from a furnisher on student loan accounts, if it still maintains that information in its database, does not have in place " reasonable procedures '' to comply with this section with respect to such accounts. 

I respectively ask that the lates from XXXX 2016 be removed and set to current. As soon as I contacted Navient who did n't have my contact information to inform me my forbearance was ending my accounts became current. 

Also, Navient is continuously increasing and decreasing the balances on my accounts, deleting accounts and adding them back and this is adversely affecting my credit score. I am in the middle of financing and the frequent updates are detrimental to this process. Also, I am not sure how one can go from being current one month and the next month reflects 90-120 days late and then current again the following month.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I submitted the online form to request my credit report annually at the very end was denied access to view my report and was given instructions another options to view

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/24/2018 about Debt collection (Medical debt) with Phoenix Financial Services LLC (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Phoenix Financial Services has placed a collection on my report in the amount of {$350.00} for a medical debt which is not valid, does not belong to me, but also violates my HIPPA laws as I have never signed a contract with them or given them access to my medical records. I do not have any knowledge of this alleged debt nor have I ever received services from Phoenix Financial Services. I have disputed the validity of this debt as well as questioned if they are authorized to collect this alleged debt. This alleged debt that has never been validated has caused irreparable harm to my credit and credit score. I will be following up with more letters to the credit bureaus and to the company after seeking legal representation for violating HIPPA laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Advanced Collection Bureau, Inc. (TX).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I have repeated requested XXXX not to call my work number or home number I would only communicate with her through mail. Requested proof of debt which I have never received., she ( XXXX XXXX XXXX? continues to call my work number and my home number. The calls look like they started around XXXX XXXX ; she XXXX, XXXX/XXXX/XXXX, XXXX ( XXXX times XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX these calls were made to my home number. 

She has called my work number : XXXX/XXXX/XXXX @ XXXX ; XXXX/XXXX/XXXX @ XXXX ; XXXX/XXXX/XXXX @ XXXX ; XXXX/XXXX/XXXX @ XXXX ; XXXX/XXXX/XXXX @ XXXX ; XXXXXXXXXXXX ; XXXX/XXXX/XXXX @ XXXX ; these called appeared on my caller ID at work and missed calls. Unfortunately, I can not find the early call where I requested her not to call, but XXXX has now switched over to using unknown number and I spoke with her today XXXX/XXXX/XXXX @ XXXX for XXXX seconds restating the fact I would not speak with over the phone to send everything in writing and not to call my work number. I also have an unknown number on XXXX/XXXX/XXXX @ XXXX that last :58 seconds that I am assume was hers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2017 about Debt collection (Other debt) with AFNI INC. (IL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: XX/X/14 {$2100.00} was put in collection without my notice

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2016 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have recently went through the mortgage process and purchased a home. During this process it was brought to my attention that I had a couple negative items on my report. XXXX being an {$8.00} med bill and XXXX I realized was for an business auto loan that I NEVER signed any loan documents for. I did work for the company and was on the board at the time but when they said I would need to sign for the loan personally instead of as a corporate representative I out right refuse and never signed for this vehicle. I let the company a short time after. I have disputed this with all XXXX credit agencies and believe it have been removed from XXXX, I 'm not sure at this time about XXXX but Experian asked that I contact the lender direct which I did and they said they had no records to show my signature, only an electronic file showing I was a customer of theirs, and they suggested I dispute it and it would be removed. I told them I did and that 's why I was contacting them so they suggested I ask for a reinvestigation. Which I did and so far on XXXX occasions Experian has refused to remove it and just keeps telling me it 's " Updated ''. Here is the deal, show me my XXXX signature because I NEVER signed for it, and if someone forged my signature I want to know. I have a short email chain between me and the lender but obviously no script of my calls. This may seem petty since it is only listed for being 30 days late once but it is the point. I did NOT sign for this loan ... ... so WHO did. The credit reporting agencies should have to report who they spoke to and contact information for them and what documentation that they obtained " validating '' or " confirming '' an account belongs to someone. Not just send a generic letter stating they " updated '' the status and I can add XXXX words as an explanation? Whatever, show me the evidence.

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