milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/13/2015 about Credit card () with SYNCHRONY FINANCIAL (NY).
Issue: Customer service / Customer relations

Complaint: I am having a problem accessing my Care Credit Card account online and the bank issuing the card, Synchrony Financial, is not helping me gain access to view my account information online on their website. I have no idea what is going on with my account now. Their Customer Service department has been no help at all and do not seem to care. Every time I try to log into the website at XXXX I am getting messages saying " Your account information is not available online. Please contact Customer Service at the phone number provided on the back of your card or statement. '' My log in information is correct and the site actually says I am logged in, but it refuses to let me see my account information and just keeps giving me that same message. I contacted Customer Service and it was torture trying to get through to an actual person. When I finally did speak to a customer service rep she was completely unhelpful. All she could say was " Refresh your browser and try again in a couple of hours. '' I explained to her that I had done so multiple times and tried logging in multiple times on Internet Explorer, Chrome and Firefox and I keep getting the same error message over and over again, no matter what. Her answer : Refresh your browser and try again in a couple of hours. I asked her to put me through to technical support and she said there is no technical support. I have twice tried emailing the company at three different email addresses - XXXXXXXXXXXX, XXXXXXXXXXXX, XXXXXXXXXXXX - and have received no response whatsoever. So the problem remains unsolved and I can not access my account. My account is set to take monthly automatic payments of {$100.00} from my checking account which I set it to do when I last had access to it. I wanted to change that automatic payment and I am wondering if Synchrony Financial is deliberately preventing me from accessing my account so they can prevent me from turning off auto payment. I also am not receiving any paper statements from the bank so I can get no information about what is happening with my account at all. I do believe it is illegal for them to withhold my account information from me and therefore I am filing this complaint against Synchrony Financial.

Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2017 about Debt collection (I do not know) with Penn Credit Corporation (FL).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: Several months of repeated phone calls, some with automated voice message, from a company called Penn Credit Corp. I gather they are a debt collection agency. I have no idea what this is about. 
They have not communicated with me by any other means. I sent them a " Cease and Desist '' letter by certified mail on XX/XX/2017. 
I received a signed receipt dated XX/XX/2017. The phone calls have resumed. In my letter I told them I would contact the FTC and the Florida Attorney General 's office if they continued the phone calls. They were requested to provide my letter to the company for whom they are collecting, so they have notice of my dispute. All this to no apparent avail.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2016 about Student loan (Federal student loan servicing) with AES/PHEAA (TN).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I am on an income based repayment plan and I am supposed to recertify my income yearly. So I go to submit my recertification and the XXXX website is down for maintenance for several weeks. Since I did not get to turn in this recertification they quadrupled my payment which I can not afford. I tried explaining this to them to no avail. I even have a screen shot of the website showing the downtime message so they can see that I 'm not just making stuff up. I can afford my regular payment and even budgeted for an increase but XXXX my regular payment is just absurd. Also I have tried to change my due date several times, which they say on their website is an option, but my request is routinely ignored or just immediately denied without good reason.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: TransUnion is not helping me to remove a lot of hard inquiries from their reporting even after the fraud report was put on the account and locked so further fraud could not take place. 

TransUnion Report file number is XXXX I sent a fax to XXXX XXXX XXXX TransUnion consumer contact dept Hard inquiries that need to be removed because of fraud XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2017 about Credit card () with DISCOVER BANK (TN).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I had my XXXX bag stolen on XX/XX/2017 in XXXX, TN. 
On XX/XX/2017 I reported to XXXX and to XXXX XXXX XXXX, Discover and others of the thief online because I have hearing impairments in both ears. On XX/XX/2017 Discover sent to me a confirmation number stating that I requested to have {$600.00} removed from my checking account when I was at a police station, then at a XXXX to get an affidavit, then back to the police department. In other words at XXXX I was first too tired to request a withdrawal and secondly, I would never request for such a hugh an amount unless won the lottery which I do not play or became rich over night. I only authorized for Discover to withdraw {$220.00} for that month and that was it. Later that month Discover tried to withdraw {$1000.00} then days later {$6000.00}. My bank allowed Discover to withdraw {$220.00} and then {$600.00} which Inever I never approved of. 
After I filed a complaint to BBB the {$1000.00} and the {$6000.00} request were withdrawn and my bank charged me fees to reverse something I never approved. I did not have any more money in my checking account after {$1500.00} was withdrawn to XXXX and Discover which took the monies and placed them on my stolen cards. 
Both banks closed my manageable accounts so that I could no longer print or view what had happened. 
Both banks have not requested for payments on either cards stolen since XX/XX/XXXX even though my credit reports state that I still owe both banks. 
XXXX has not requested for my Visa XX/XX/XXXX payment even though I indicated an amount to be paid. Now my XXXX master card has {$1000.00} on it while it did not prior to the thief. 
XXXX also approved an increase on XXXX card after it had already turned me down a month earlier. I have both emails. 
I have not received any mail in regards to my debt either from either company. 
I do not have my special equipment to receive or make calls so what can I do? 

Thanks. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Deposits and withdrawals

Complaint: I attempted to deposit cash into my father 's checking account at Chase bank. I recently moved and I am no longer able to drop off cash at his home. I was advised that I can deposit a personal check but they would put a hold on it. I had already gone to my bank to withdraw the {$1000.00}. They asked if I am a Chase bank customer and I said yes that I have a credit card with the bank. The teller said she could due a cash advance for a fee from my account. To me, Chase is just trying to make things harder for their customers to bank at their institution. This is a ridiculous rule that does n't really safeguard bank assets and it is wholly inconvenient.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CT).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Inaccurate dates, addresses, loan amount increased, dates of loans are incorrect,  XXXX  different companies are claiming that my student loans are with them I do not recall owing some of the companies at the times listed on my credit reports. Some oe the loans were paid off and taken of my credit reports and are still showing up on my reports as delinquent!

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2015 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (MI).
Issue: Unauthorized transactions/trans. issues

Complaint: I am a customer of Rushcard for several years. About 2 weeks ago they had a system change which rendered my card useless. Since then my balance is missing XXXX I tried contacting member services for days. The phone would hang up after XXXX rings. I sent emails and XXXX messages that were unanswered. After finally holding for XXXX hours I get a rep that says he sees the discrepancy and will send it to the risk team and I will get a call back. I have not received a call. As of today the systems are down again. This is insane.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/28/2015 about Debt collection (Medical) with Ray Klein, Inc. (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Oregon XXXX sent {$150.00} to Professional Credit Services, " collections ''. {$100.00} of it was paid to Professional Credit Services, " collections '' in XXXX XXXX. {$60.00} was paid to XXXX XXXX XXXX XXXX XXXX. XXXX did not recognize this payment until XXXX of XXXX. They sent the payment of {$60.00} to the collection agency in XXXX of XXXX. The collection agency and XXXX are requiring me to pay interest on the balance previously paid. XXXX had the funds for almost 4 years. They reported the full amount on my credit report for 4 years. I made XXXX aware of the issue, they paid the collection agency XXXX XXXX, and the interest is now on my credit report. I asked XXXX to pay me the interest or write off the interest and they wo n't. The interest is {$17.00}, it is not the amount but the lack of reconciling my account for 4 years and than demanding interest on money they had all along. XXXX owns the debit, the collection agency did not purchase the debit. From my point, this needs to be removed and back dated off my credit report. I have contacted both XXXX and Professional Credit Services and both will not release the interest on money they had for 4 years. I would like to see both these companies fined for abuse of my credit report. They both are aware the money was paid 4 years ago and are still demanding interest not earned due to the lack of reconciling my account.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-06-2015 about Debt collection (Credit card) with Gurstel Law Firm, P.C. (AZ).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: I was served with a Summons in Civil court by Gurstel Chargo P.A XXXX AZ in regards to a debt with XXXX. While I did have a credit card with them, it was paid on time each month & then paid off. I have not received a bill or phone call regarding any remaining debt in over a year. The first notification was this Summons. It threatens to garnish wages or seize property if not responded to.

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Lazega & Johanson LLC (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: A law firm representing my HOA Association keeps giving me different balances in order to settle my account. They first quoted an amount of {$5700.00} in order to settle the account. Then they quoted {$7500.00} because they thought I did not remember the original amount so they transposed the numbers. Then, they quoted {$8000.00} as a reasonable offer.Then the attorney sent me an email quoting {$10000.00} approximately as a final offer. Then I spoke to an associate and she quoted $ XXXX then {$10000.00}. Then she sent me an email stating they want approximately $ XXXX to settle the account. I have the emails, but I could not attach them. Incan forward them to your email address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/14/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Ive been writing and mailing Equifax to remove erroneous information off my credit report, however, they are refusing to properly investigate my proof and correct the information.

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2016 about Debt collection (I do not know) with National Credit Adjusters, LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I have no recollection of this collection. NCA. Never signed a contract with this company. I have written them directly and received no response. Someone either from a data breach or theft of my purse has use my information to obtain all kinds of weird things. 

NCA

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2015 about Bank account or service (Checking account) with M&T BANK CORPORATION (DE).
Issue: Using a debit or ATM card

Complaint: About a month ago, a XXXX analyst from M & T called to verify my identity. The rep swiftly gave out my entire SSN, DOB, and XXXX without my permission. Not long after there was fraud on my debit card, and prior to the transaction posting i called M & T to advise them. They placed a fraud status on my debit card, and assured me my auto billing would still go through, i would receive a card quickly, and the credits would appear quickly. A week later- no card, no credit, billing was declined. I called on XXXX different occassions and was told " no card since you are overlimit due to fraud '' - which makes no sense. Then they said they are allowed to wait 10 days to post a credit so they are waiting 10 days. Manager after manager failed to be helpful and provide a reasonable solution for me to access my checking account. I was told it was not their problem with my bills being declined, and they refused to give out the Executive office phone number. They allowed me to go almost 10 days from the reported fraud to send a card and provide a provisional credit, and only when prompted did they apologize. To add insult to injury, i jsut received a letter from them stating " Let us manage your account '' and inside it informed me that i was over my credit limit- which was due to fraud!!! Such a terrible experience for a customer from over 15 years.

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2016 about Student loan (Non-federal student loan) with SLM CORPORATION (KY).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I cosigned for a private student loan for XXXX my kids with Sallie Mae. 
Since she graduated, Sallie Mae calls my cell phone and work phone several times a day about paying this loan off. I have asked them to not contact me by phone and only in writing, but the calls continue. 
I have received no documentation through the mail, only this constant barrage of calls. They are attempting to harass me into paying them even though I just cosigned the loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (PA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: To Whom It May Concern : After the discharge of my bankruptcy in XX/XX/XXXX, I received paperwork and phonically from Navient reporting I was past due on my account. This was an account I was not aware even existed. They assured me it belonged to me and that they were the holders of a student loan debit and would be servicing the account. Little information was provided to me and I should have probed further at that time, but I went ahead and assumed it to be my responsibility. As a result I have been making monthly on time payments to the loan since then ( XXXX XXXX ) In the past several weeks I have been gathering information for all of my student loans ( interest rate, estimated payoff date ) for the consideration of consolidation and refinancing. This of course includes the above loan with Navient. 

While digging through the different tabs on Navients website, I discovered this loan was dispersed to a institution ( XXXX XXXX XXXX XXXX California ) I have never attended nor applied to with a disbursement date of almost 10 years ago! I quickly got on the phone with the company who transferred me to the fraud department. I spoke with " XXXX '' who confirmed that I indeed never attended that university. Unfortunately he could provide no further information on the loan and advised me to complete an ID Theft Affidavit. 

On Sunday XX/XX/XXXX I faxed 16 pages worth of personal information to Navient for my theft affidavit. This included social security cards, drivers licenses and passports. After three phone calls they confirmed yesterday that they did not receive my information nor could they speak to where it might be. The fax number was confirmed to be correct and the first page of the affidavit offers to reassure customers that personal security is important and my information would be protected. When asked to speak to a manager I was told no one was available. This is a recurrent theme with Navient where no one answers or you are prompted to leave a message and no one returns the call. 

I again spoke with " XXXX '' yesterday who provided another fax number and another mailing address ( from the original that came with the original fax number ). No sense of concern at all for this pertinent missing personal information was communicated. So now I I have had to freeze my credit which required a fee in my state and pay to notarize paper work for the purpose of the affidavit and continue to pay a loan that was issued to a school I never attended.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with U.S. BANCORP (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: XXXX XXXX has {$14000.00} that is sitting in a lockbox that has not been credit to my account. This money is currently being charged interest and showing up with a high debt ratio on my account. This account is under investigation and is with the office of the president. The company has already agreed that they will credit that they will credit my account all finance charges and therefore I have requested that they please put this charge into a contested amount and should be credited temporarily until the company fixes their internal problems. This problem has been ongoing for over several months and therefore am requesting assistance to get this corrected as my credit score is just one more problem that is hurting me while this long process is not corrected.

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 09-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (OH).
Issue: Problem with fraud alerts or security freezes

Complaint: chase has continuously checked my credit even after having called them and explaining that I do not want, nor have I ever, applied for credit with them. 
I have not applied for any credit in 2017, and Chase has run my report at least 3 times! None of which times were authorized or initiated by myself. 
I called the credit bureau and had place a freeze on my ss, but this has not stopped Chase from running my credit again at least twice after the fact. 
I want this ended, yet Chase continues to run my credit regardless of the freeze on my social security number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have disputed incorrect items on my credit reports and they not been able to provide the proper verification to prove these accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2017 about Consumer Loan (Installment loan) with SECURITY FINANCE CORP (LA).
Issue: Problems when you are unable to pay

Complaint: my complaint is that the local branch faxed a garnishment-interrogatories and order letter to my job and my check was garnish and I did n't know about it until I had gotten my check. and I feel like my rights were violated because one of my co-workers knew about it and I did n't said he seen it come off the fax machine and I want to know is this proper way it was to be handled. I wanted to call but your office is closed by the time I get off and where I work is too loud so I would really appreciate you guys giving me a feed back as soon as possible.

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