milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/30/2016 about Bank account or service (Other bank product/service) with SYNCHRONY FINANCIAL (PA).
Issue: Account opening, closing, or management

Complaint: I have three promotional offer accounts with Syncrony Bank. All of these accounts provide a minimum monthly payment. I recently discovered that my hh gregg account through Syncrony Bank has been providing me with a monthly minimum amount which did not provide me with a monthly minimum amount to meet the promotional offering of zero percent interest and are now charging me 30 percent interest retroactively which is almost the amount of the original purchase amount. Since my other promotional accounts with Syncrony always provided a minimum monthly amount to avoid hefty interest charges, for some reason Syncrony provided me with a lower amount for this hh gregg account so that I would miss the promotional deadline so they could charge me an enormous amount of interest. I have tried to work this out with them but they refuse to acknowledge any responsibility of their part.

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 08/28/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: On the XXXX Mortgage Account, there should be a comment/status that when the mortgage was adjusted under the HAMP program, THE LATE PAYMENTS ARE NOT ACTUALLY LATE, but a direct result of paying the LOWERED MONTHLY PAYMENT ON TIME and NOT paying the original coupon amount. THERE IS NO WAY TO AVOID THIS due to the way the bank/program is set up. 
On the XXXX Account : It should NOT be included in AVAILABLE CREDIT or CREDIT USAGE. It has been CLOSED for YEARS! It 's counting against me in several categories.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2015 about Debt collection (Credit card) with CITIBANK, N.A. (IL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Citicard is calling my house repeatedly to collect a {$20.00} credit card overdue payment. Just today, XXXX/XXXX/15 they called at XXXX, XXXX, XXXX, XXXX, and XXXX. This is harassment and abusive. They need to stop this. Citi is calling from XXXX. Citi has been doing this for several days now.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/16/2015 about Debt collection (I do not know) with Concord Resolution Inc (Closed) (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have recieived many ( about XXXX in the last two months..sometimes from a listed phone number, sometimes from a non listed number ) threatning phone calls from " Concord Resolution Debt collection Agency '' In Attempt to collect a debt I do not owe. I have been treatened that I will be arrested, I will have my wages garnished, and I could loose my job. I have called this company several times at the number listed below and spoke with XXXX. I told her to stop calling me and to take me off the call list. 
The phone numbers is XXXX XXXX XXXX my " reference number '' is XXXX Please help me!!

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2017 about Bank account or service (Checking account) with BB&T CORPORATION (TX).
Issue: Problems caused by my funds being low

Complaint: I made a payment 3 payments on XX/XX/2017 and my account was not negative that day. On XX/XX/2017 I made a payment that made my account negative. According to BBT system the three payments posted on XX/XX/XXXX and that left a balance of XXXX. The next payment posted on XX/XX/XXXX for XXXX. BBT charged overdraft fees on XX/XX/XXXX before the account went negative and before the payment that did send the account negative posted.

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 01-04-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with CCS Financial Services, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Reporting erroneously/ incorrectly/ inaccurately with Credit Reporting Agencies.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2016 about Prepaid card (Government benefit payment card) with KEYCORP (WV).
Issue: Fraud or scam

Complaint: On the WV Unemployment card through Key Bank we had XXXX transactions XXXX for {$1000.00} and XXXX for {$280.00}. We reported it on XXXX XXXX as well as faxed the information to them to begin the process. We have not been given any information what so ever. They have been rude and not sensitive to the fact this was an unemployment card and took everything we have. We were told provisional money would be issued 10 business days from them reviving the fax .... Still nothing and when told about it they continue to say call back in two days of this takes time. We have financially struggled with borrowing money for bills and living expenses. We now are looking for help to know our rights on the process and where to go next.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10-03-2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (OH).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: I was trying to cancel a credit card on a home depot account that I did not know I was associated to and have not ever had a card for this account, due to legal reasons I can not contact the main user of the account. I recently discovered this card was negatively affecting my credit score. Upon calling ( called on XX/XX/2017 at about XXXX XXXX  EST ) I was not able to do anything because the only ways the representative could look up the account was through : 1 - Social security number, 2 - Account number, 3 - Phone number. 1- Social security number, I have never had this information on the main user 2- Account number, I have never had this information either 3 - Phone number, I have had this phone number deleted for a few years, it may have even changed since the inception of the account. 

After pleading with the rep, he was unwilling to explore any other way to look up accounts, even after explaining the situation a little further. I was very frustrated and stuck with no options. As a national company I am sorely they did not offer any other options or help with this 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 non-monetary relief
Consumer complaint received 02-06-2017 about Consumer Loan (Installment loan) with Resurgent Capital Services L.P. (PR).
Issue: Taking out the loan or lease

Complaint: I have this debt that i do n't recognize and may be illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2017 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX XXXX is reporting as an open unpaid account with a past due balance of {$8300.00} as of XX/XX/XXXX. 
This account was opened XX/XX/XXXX and included and Discharged in my chapter XXXX Bankruptcy XX/XX/XXXX. 
Experian refuses to correct this information.

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 04/17/2016 about Debt collection (Medical) with Riverview Law Office, PLLC (MN).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I was forced by XXXX Hospital in XXXX MN to receive a XXXX I told them I did n't want and could n't afford. They said if I did n't let them do whatever they wanted they would have me arrested and posted an armed police officer in my room who threatened me until I agreed. Then they send me a bill for over {$4000.00}. I refused to pay the bill and informed them why I was refusing. They have since sued me without informing me of it and have started garnishing my wages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Williams & Fudge, Inc (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: Collector called my employer asking what days I worked. It is against our policies to tell others a employees work schedule.so my employer called me saying they called and left their name. I called collector back and told them they should of left me a message on my phone instead of calling my work. They relied, they are n't allowed to leave messages!

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2018 about Debt collection (Other debt) with Associated Credit Services, Inc. (ND).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XX/XX/XXXX, I sent Associates Credit Services a letter specifically saying " This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. '' They received the letter and sent me an invalid response letter dated XX/XX/XXXX. Associated Credit Services is reporting this account on XXXX XXXX and XXXX. This account does not belong to me, they have been unable to provide me factual evidence proving this account belongs to me. The only document they provided was a balance statement dated XX/XX/XXXXwith an address not belonging to me, dates and amounts. I have attached ( 1 ) the letter I sent ACS on XX/XX/XXXX, ( 2 ) a copy of the certified mail receipt, ( 3 ) a copy of my receipt showing the tracking number, ( 4 ) both letters from ACS dated XX/XX/XXXX and XX/XX/XXXX ( which states " Enclosed please find verification of the debt as per your request ) which both arrived in the same envelope. As of XX/XX/XXXX, they have failed to provide me with VALIDATION.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2017 about Checking or savings account (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (CO).
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint: I bank with  USAA, they h ave no branches in my location and offer mobile deposit. On  XXXX   XXXX  I used this feature to deposit money orders since I am unable to deposit cash. I wrote a check for my ren t. USAA decided  to put a hold on the guaranteed funds. They sent me a message today saying I had insufficient funds, but my available amount is more than the check I wrote. This has caused a major problem with me and my landlord. I have copied the message to this form.      One or  more transactions resulted in nonsufficient funds to the account below : Date :  XXXX / XXXX / 17  Account ending in :  XXXX  Overdraft protection : None Nonsufficient amount : {$1700.00} Available balance : {$1900.00} Details : CHECK #  XXXX  You can avoid returned items by setting up overdraft protection. It takes only minutes and becomes effective w ithin two to three busi ness days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Student loan (Private student loan) with SLM CORPORATION (NJ).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: XXXX XXXX filed a bankruptcy petition in XX/XX/XXXX. Listed private loan with Sallie Mae and the petition was signed on XX/XX/XXXX. Sallie Mae has been calling, harassing and threatening me with a lawsuit to recover the debt.

This has been occurring form the latter portion of XX/XX/XXXX until present time. More recently, they have charged off the loan. I am received harassing calls from Sallie Mae corporate indicating that if I do n't pay the balance by the end of XX/XX/XXXX, they will institute wage garnishment. I receive calls on a daily basis from XXXX XXXX XXXX from Sallie Mae Corporation phone number XXXX ext. XXXX. Presently I have a federal loan in the amount of {$96000.00} that I am repaying and I can not afford to enter into any type of arrangement of {$1000.00} down and monthly payments of over {$300.00} a month until the balance of {$3600.00} is paid. Nor can I settle the matter for an amount over amount of {$2500.00}. I am providing with this communication paperwork on they various unfair collections strategies of Sallie Mae following my bankruptcy petition.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2015 about Credit card () with JPMORGAN CHASE & CO. (IN).
Issue: Closing/Cancelling account

Complaint: I had a judgment against me in XX/XX/XXXX with Chase Bank at XXXX County Courthouse in XXXX, FL. I paid their lawyer for almost a year and then stopped because I could no longer afford to. I received a XXXX ( Cancellation of Debt ) from the IRS for Chase Bank for the amount I owed them. I have paid the IRS since this XXXX showed that I had earned income for XX/XX/XXXX Tax Year. 
I have spoken with Chase Bank and they will not update my credit report, they only show it as charged off now. I feel they need to alert the court and the Credit Bureaus that this is satisfied or something. I can not be responsible for earned income and still owe them money. I have also contact IRS and they said to contact Chase Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2015 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (DE).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen Mortgage Co. states they NEVER RECEIVED XXXX ,2014 from me. I send in documentation Showing XXXX,2014 Mtg paid through my Bill Pay account. See attach. 
XXXX,2014 Mtg paid Ocwen ACH Account ( XXXX 2014 ) XXXX payment came through, the XXXX payment was paid ( over-draft Protection ) the next XXXX ( XXXX ) were returned INSUFFICIENT FUNDS. Please see letter from the Bank Manager. XXXX,2014 was told to submit proof of all payments to XXXX XXXX. I submitted everthing. I asked Ocwen rep. to waiver fee and I told they could not do that. So XXXX2014 I sent my mortgage in ( XXXX ) with the fees {$40.00} XXXX for NSF {$40.00} for stop payment and {$34.00} on the principal. XXXX XXXX dated XXXX/XXXX/14 States XXXX delinquent, XXXX current, XXXX, delinquent XXXX is Current HOW?? I am currently in Chapter XXXX Bankruptcy.I am also in Ocwen modification, IT YOU PAY XXXX YEARS ON TIME THEY TAKE {$6200.00} OFF OF THE PRINCIPAL. THEY DID NOT GIVE IT TO ME FOR 2014. PLEASE SEE ALL OF MY DOCUMENTATION SHOWING I HAVE NEVER BEING LATE.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (CA).
Issue: Account opening, closing, or management

Complaint: i received a letter from Citibank saying that they will close my account for some reason, I have done my banking with them for over 15 years with direct deposits and bill pay. I called to find out why and was advised to go a branch and was not given a reason why. all I needed is to know the reason behind the decision decision to close my account. I have not done any wrong doing, there are bank institutions wanting my business ... ..no wonder they are called " XXXX bank '' ..

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2016 about Credit card () with JPMORGAN CHASE & CO. (NJ).
Issue: Rewards

Complaint: XX/XX/XXXX, I received an email offer which stated if I used Visa Checkout with my Chase Freedom Card, I would receive a {$15.00} credit if I spent at least {$15.00}. I registered with Visa Checkout and made a Best Buy purchase through them on XXXX XXXX, XXXX. It posted on my statement on XX/XX/XXXX. 

I have never received the {$15.00} credit. I have called both Chase Credit Card services and Visa Checkout directly to try and resolve the issue, but I keep getting the runaround from the customer service of both companies. Each company tells me to call the other. I even direct messaged Chase about this on XXXX/XXXX/XXXX and I think even earlier in XX/XX/XXXX or XXXX XXXX. 

This issue has not been resolved, and I do not want to get the runaround on a simple matter anymore.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/13/2018 about Debt collection (Medical debt) with Choice Recovery, Inc. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Debt last reported on credit report on XX/XX/XXXX. 

I have disputed debt of {$440.00} from Choice Recovery Incorporation in the past ( XX/XX/XXXX). No written notification was given 5 days before of said debt before being posted to credit companies. Debt was sold from original company to current debt collector ( violation of my rights ). Once debt was sold to another debt collection agency I am no longer responsible for this debt as this debt was sold off to another agency with whom I did not sign a legal contractual agreement with. 

Personal information was then exchanged from original company to debt collection agency which is a clear violation of my personal information/confidentiality without my consent or knowledge. 

Furthermore, I called Choice Recovery Inc. in XX/XX/XXXX to ask how to get in contact with original creditor : XXXX XXXX XXXX   and they were unable to provide a phone number and state that debt was sold to Choice Recovery Inc. and had no way of pulling up my records. The only thing they could do was see how much was the balance I owed which was {$440.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2015 about Consumer Loan (Vehicle loan) with AMERICAN HONDA FINANCE CORP (IL).
Issue: Problems when you are unable to pay

Complaint: I purchased a vehicle in XXXX 2011 though Honda America Financial Services and was subject to discriminatory lending practices by way of a higher that normal interest rate given to XXXX XXXX Borrowers. I have spoken with XXXX representatives and neither was able to inform me of how to pursue restitution.

Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Experian refuses to dipute wrong negative information on my 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 explanation
Consumer complaint received 04-04-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Navient XXXX This companies phone system is purposefully misleading, hangs up on students trying to make payments, and purposely does n't provide a way to get ahold of a representative. I think their practices are designed to mislead and postpone students trying to make payments in order for them to collect late fees. If they secured the right to service these loans then they are obligated to provide a CLEAR way for students to make payments and address issues. They should be penalized for their failure in this area just as ( I 'm sure ) they penalize XXXX students who are trying to pay their loans in good faith, but are unable to due to their policies.

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2017 about Debt collection (Other debt) with Robert L. Tankel, P.A. (FL).
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint: I purchased a home at XXXX XXXX XXXX in XXXX, Florida, XXXX and the XXXX XXXX XXXX XXXX billed me for their {$60.00} annual dues before I could occupy the property. Their management company, XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, Florida, XXXX promptly referred the {$60.00} debt to their XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, Fl XXXX, for collection and refused to even discuss the matter with me. The law firm filed suit for {$2500.00} to collect that {$60.00} debt.The XXXX XXXX even told my tenant of the property to pay his rent directly to them until the debt was paid, thus damaging my relationship with my renters. 
An attorney I randomly selected, XXXX XXXX, was kind enough to negotiate the amount owed down to {$1800.00} on a pro bono basis and I paid the XXXX firm off. I feel victimized by the apparent collusive effort between the XXXX XXXX XXXX and the XXXX XXXX XXXX in direct violation of the principles of the FDCPA. 
XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2016 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Loan servicing, payments, escrow account

Complaint: I paid off an equity line of credit months ago, 3 times requested the account closed. Now I get a bill of {$10.00} for what they claim is a " Release Fee '' to remove the lean by the county. This is an illegal fee that is not in my loan documents nor required by the county as the bank has claimed. The bill also threatens me with additional {$10.00} per month late fees so I have no choice but to pay the illegal fee. When I call the bank and requested the county bill and my signature at closing agreeing to any closing or release fees, they can not produce either. I had the same bank ( Bank of America ) for my mortgage, when that was paid off there were {$0.00} such 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 non-monetary relief