milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/23/2017 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Ref : Synchrony Bank LOWES In XXXX of I received a statement with a BALANCE of {$56.00} which was paid off completely through my bank account on XXXX XXXX, 2017. After paying the debt off through my Bill Pay provider I did not receive any further statements from the company until a couple months ago when they claimed I owed an additional balance of {$53.00} which later was assessed one late fee of {$29.00} and another of {$38.00}. After speaking to them today they did apologize for the error and refunded the fees however after asking them to correct the credit reporting they suggested to file a dispute with their customer service department. The obligation of a creditor is to service a debtor in a manner which correctly and accurately reflects pay history including correcting their errors. My first complaint is that after the payoff was sent and received by Synchrony there  were no additional statements sent to me in reference to a balance but then continued to accrue late fees which is an abusive practice for an amount which was paid in full with proof on my bank statement and per the representatives conversation that they apologize about the inconvenience. Actions such as this are abusive to consumers in many ways due to blindly charging fees, stopping statements, then not acting to correct any erroneous credit reporting. 

Thanks, XXXX XXXX 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 non-monetary relief
Consumer complaint received 08/17/2016 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have disputed a paid XXXX account with experian TWICE in the last 60 days. They continue to leave the balance on the collection even though I have sent them the attached proof of payment in XX/XX/XXXX. This is a violation of my federal rights.

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 08-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: fraudulent account, XXXX XXXX XXXX, XX/XX/2015, XXXX $

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2017 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: Account information incorrect

Complaint: This company is in violation of the Service Members Civil Relief ACT this also covers accounts that were obtained prior to service and during service and while in a XXXX XXXX. At the time of purchase not only was I on XXXX XXXX but I was also in XXXX. My father purchase the vehicle on my name. The company has lied stating they did not find my information on the XXXX XXXX XXXX XXXX XXXX XXXX, however when I did a search for myself I found it.

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 10/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
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: I was a victim of identity theft and notified bureau and also send documentation to one creditor to verify the problem yet they say they ca n't remove the inquiries. police report was sent as well as several calls and letters in the mail over the past 8 mths

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (GA).
Issue: Deposits and withdrawals

Complaint: wells fargo bank allowed directv to go into my account which was not authorized to take {$560.00} out of my account which they did not have this account number to. the bank can not tell me how they got this account information to take the money out. when they had permission it was stop in XX/XX/2016 they took this money in XX/XX/2016 without my permission if the bank let anyone go into your account without having your information something is wrong with the system.

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 06/13/2017 about Mortgage (Other type of mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Closing on a mortgage

Complaint: Case numbers :  XXXX   XXXX   XXXX  QWR and Debt Validation was not addressed and no financial documents were given to me from my request.     The Notice of Rescission of notice of default  XXXX   XXXX ,  XXXX , was not addressed at all from my request.     The  XXXX   XXXX ,  XXXX  TILA rescission is an event that happen I am not asking them to consider.  XXXX   XXXX ,  XXXX  " effective upon mailing '' No answers to any question to in my written request and they are late in the response also.      XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (FL).
Issue: Loan modification,collection,foreclosure

Complaint: Was denied by Nationstar for a HAMP ( XXXX loan ) because " No divorce, XXXX or divorce. '' My income has been reduced and continues to be reduced due to elimination of overtime. I included my husbands income ( non-borrower ) but his overtime also has been eliminated. I am going to " Appeal '' the decision and hope Nationstar will reconsider that there is in fact HARDSHIP.

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: In XX/XX/2018, I received a letter from BOA indicating my {$25000.00} credit line was being reduced to {$14000.00}. 

Because I understand the ramifications of that action upon my FICO score relative to the current balance on the account ( {$13000.00} ), it would show that I was Maxed out on utilization of credit : a negative impact to me, whether BOA states in their letter they have nothing to do with FICO, their actions do! 

In our attempt to pay down our balances, we moved ours to BOA because it offered a lower interest rate, and for two years have successfully been lowering our debt accumulated with XXXX children. 

I was making some real progress, picking up odd jobs and then boom, my husband, unknown to me, made 2 mistakes : missing a payment, and then posting the payment to a closed BOA account we had. As a result of these delinquencies now - even though he made a payment ( technically ) after missing that one - they made this decision to lower my limit. That changed my utilization percent of debt from a 50 % to a 96 % use rate - which impacts me negatively on the credit report. When I called to explain all that I found out : the payment made to the wrong account - that resultant effect to them showing 2 delinquencies which really was not - husband just posted incorrectly - and subsequent reduction of limit - causing a negative impact to my credit score which would negatively impact me - asking they reinstate it - the man on the other end of the phone, rudely stated that it was my responsibility to pay the bill. His name was XXXX on the enclosed docs. I have personally been the XXXX to my mom with XXXX for the last year and XXXX children, 4 dogs, 6 cats etc. This is why my husband pays the bills. He is the income and maintains the knowledge of what needs to be paid when. I had all this going on which I explained to XXXX, further explaining that my only concern was the result of their decision on my credit report/and score/and skewing the utilization %. He didn't care. Said they had nothing to do with FICO. But they do. They absolutely do. They make decisions based on small mistakes consumers make and don't care when you point out that the payment was sitting in the incorrect account. They fixed it and moved it, once I pointed it out to them, but were unwilling to address my real concern which was the change in my debt utilization % due to their decision to reduce my credit limit, which I was not even using, due to our efforts to pay off our debt.

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 09/15/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (NH).
Issue: Loan servicing, payments, escrow account

Complaint: I made an online payment to Ditech for XX/XX/XXXX for {$550.00}. 
They took out {$1000.00} including the XX/XX/XXXX payment and now my account is overdrawn.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MI).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I graduated college XX/XX/2010 and my loans were through XXXX, shortly after my loans transferred and serviced with Navient. At the time, with the struggling economy, I was n't able to pay on my student loans and when I contacted Navient they pushed for forebearance ( instead of cheaper payment options ). Flash forward XXXX years later and the loan I once owed XXXX on is now XXXX! ... and these are government loans " the better ones ''. My interest rate on these loans is 6.8 % ( subsidized and unsubsidized ) ... I 'd be lucky to get that return in a retirement fund ( which is also why I have n't been saving for retirement ).

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2017 about Credit card () with CITIBANK, N.A. (AZ).
Issue: Closing/Cancelling account

Complaint: I called on  XXXX  about m y Citi presti ge card. I called because I was charged the  XXXX  annual fee and I wanted to see if I could get my card changed to one without an annual fee. I called and found out the card can be changed but was not ready to make a decision on what card to change the account to. I went online and saw there are different cards that are offered and called back and decided I wanted to change my card to  the Citi Costco Visa . I did n't have my  XXXX  member ID number available so I ended the call with  XXXX  and tried to call Costco. I was n't able to get them to give me my member number. Since I was really concerned about the  XXXX  annual fee I decided to call  XXXX  again and ask them if they could just waive the fee - I am in the process of buying a house and I did n't want the credit agencies to show that I had an  XXXX  monthly payment. When I called in I asked the girl if it was possible to get the  XXXX  waived, she said let me transfer you over to someone that can help. The next person on the phone was someone from the retention department saying that she heard I wanted to cancel my card. Shortly after our conversation began there was loud static and I realized the call disconnected due to a bad transfer - I have worked in call center management for 15 years and have accidentally done this same thing when talking to others. I immediately call back in and as I am talking to the next person and come to a solution that representative tells me that my account was closed. I did not instruct anyone to close the account. With some help the account was reopened within 24 hours HOWEVER I am now told that not only can I not change my account to avoid the annual fee, but I am also not able to have the fee waived all of this stemming from a rule that exists which states you cant change your account for 12 months. It is n't fair to me that I cant convert to a no fee account now because someone closed my account. At this point I am told my only option is to close the account all together to avoid the fee. It just seems wrong to do that to a customer given that the call was dropped, and a representative transferred me to the retention department whose policy is to close accounts if calls are dropped. In this situation you would have thought that the representative that I was speaking with when the call was dropped would have tried to reach out to me or note the account or something.

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 08/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Well it started when I asked XXXX to look into my XXXX XXXX account, which was closed and had erroneous information on it. It said that the account had been sold to another lender. Well they reaged the account that has been closed since 2013, and Equifax has it not showing a closing date. I try to fix one thing and they try to get me on another.i managed by to take photos of the old XXXX account before they doctored the results. Equifax has it wrong to.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: My Navient account is locked due to failed attempts at logging in. Even though I use plenty of personal information to retrieve username and changing password. It says, I should call them to have them unlock it. 
I 've called multiple times in the past year only to be on hold for more than 45 minutes then I hang up. I 've gotten though once, only to be told, " I do n't know how to help you '' and then asked to be transferred to someone that does. During the " transferring '' of the call, I 'm hung up on. I 've stopped bothering to get into my account because it 's on auto pay and they do n't bother me. 
However, it 's ridiculous for this to be happening. Managing your account should n't be this hard.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2016 about Consumer Loan (Installment loan) with ZIONS BANCORPORATION (AZ).
Issue: Managing the loan or lease

Complaint: I took out a loan in XX/XX/XXXX for {$15000.00}. I recently called back on the XX/XX/XXXX for a pay off qoute in which I paid. I never received a letter stating that the loan was paid in full, when I called about this I was told that I own more money. When I ask how much is still owed ot ask for an explination., I am told to call XXXX at XXXX but no one ever answers. This practive is simple extortion and a volation of the Fair Credit and Lending act. I also had to report this loan company before for turning mr into collections when the loan was NOT in default.

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 04/20/2017 about Debt collection (Payday loan) with Delbert Services (OK).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: XXXX XXXX with XXXX XXXX XXXX has been harassing me about a debt that was included in my bankruptcy in XXXX 2015. They have been calling my mother 's home also threating to take me to jail and it has been going on for months.

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 03-04-2016 about Debt collection (Medical) with ECMC Group, Inc. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I recently checked my credit and discovered that this company is reporting that I owe them a debt. To my knowledge I do n't recall this company ever providing me with a service nor do I remember me agreeing to pay them for said services. I never received any communication from this company prior to them placing it on my credit report. My rights under the FDCPA have been violated

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 09/26/2015 about Credit card () with AMERICAN EXPRESS COMPANY (IL).
Issue: Billing disputes

Complaint: fraudulent charges were put on my American express credit card by someone in XXXX I I I believe. I did file a police report and called the credit card company. American express said they would call me back within 72 hrs. To verify that I am XXXX XXXX. The problem is they did not call me back. I have called them several times and they keep saying they have to call me back to verify identity, but they have not called me back. Now I want the charges taken off and the account closed. How can I get the charges removed if they do n't call me back?

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/30/2015 about Mortgage (Conventional fixed mortgage) with FIFTH THIRD FINANCIAL CORPORATION (OH).
Issue: Credit decision / Underwriting

Complaint: I am the XXXX XXXX for the City of XXXX XXXX. A resident, XXXX XXXX, came to see me last week to discuss a concern related to obtaining a fixed rate mortgage on his home to replace a home equity line that has an adjustable interest rate. Last year, XXXX XXXX obtained a home equity line for {$75000.00} for the property he owns at XXXX XXXX XXXX in XXXX XXXX, OH. The property has no other mortgage or lien against it according to XXXX XXXX. He visited our local Fifth-Third branch to apply for a mortgage loan, but he was denied, because based on a drive-by appraisal, Fifth-Third determined that the home had a market value of {$44000.00}. In 2014, the home received an appraisal of {$94000.00} at the time the home equity line was opened. XXXX XXXX 's credit score is XXXX. He has recently improved his property with a new roof and windows. The property is well-maintained and owner-occupied. We believe that XXXX properties were used as comps in the appraisal. Property values in the area have increased over the last three years. There have been XXXX new homes constructed on XXXX XXXX XXXX street in the past XXXX years which have sold for over {$160000.00}. The City has seen an increase in the number of low-ball appraisals in the past few years which cause our residents to be unable to refinance loans or obtain new loans. In our opinion, this is a form of redlining, and it is causing disinvestment in our community. The city is in the process of undertaking an analysis of our XXXX data which will be released in XXXX. Preliminary results suggest a large discrepancy between deposits and lending in our community.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit Protection Association, L.P. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I contacted the company Credit Protection Association in XXXX Texas and paid them the amount owed per their contract with the original creditor XXXX in XXXX Florida. I am currently purchasing a home and asked them the supply a letter stating the account is paid in full. After contacting them several times over the last three weeks beginning XXXX XXXX, they stated will take 24-48 hours to update in their system. And I will receive a letter in two weeks, when I moved out of my apartment on XXXX XXXX, I still had not received the letter. 
I contacted them again on XXXX XXXX @ XXXX EST and they still have not supplied me with a letter stating the account is paid in full. 

I spoke with the Floor Supervisor, XXXX, who puts me on hold and 22 minutes later, tells me they emailed me, but than states she wants me to give me the name of the lender with my personal information and they will call them. 
I stated I would like the letter they promised when I contacted them on XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/13/2017 about Debt collection (I do not know) with Halsted Financial Services, LLC. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I keep getting phone calls from HFS. ( Halstead Financial Services. They call and ask for XXXX who is my daughter and I keep telling them she does not live with me. They even called and asked for me but gave me her social security number. They keep calling stating I am XXXX and to stop playing games. I do not owe these people nor am I XXXX. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX BANK XXXX {$140.00} {$200.00} 71 % Revolving Negative XXXX XXXX, XXXX CHASE AUTO XXXX {$12000.00} - - Installment Negative XXXX XXXX, XXXX CHASE CARD XXXX {$940.00} {$700.00} 135 % Revolving Negative XXXX XXXX, XXXX CHASE CARD XXXX {$940.00} {$700.00} 134 % Revolving Negative XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} {$400.00} 0 % Revolving Negative XXXX XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/26/2015 about Consumer Loan (Title loan) with TMX Finance LLC (MD).
Issue: Lender repossessed or sold the vehicle

Complaint: I took out a title loan for {$2600.00} from Titlemax on XXXX/XXXX/2015. The company advertised same day cash. When I finished the paperwork the company cut me a check which was a breach of the agreement. I took the check to the bank it was drawn off of, XXXX, and they informed me they could not honor the check until they spoke directly with the guarantor of the check. I called the location and the check was no honored until the following day. I am currently 19 days past the due date of my loan and Titlemax has sent a truck to repossess my vehicle. I called Titlemax after they opened to take care of the overage and was initially told I would have to make 2 months payments. After getting to the location I was then informed I would have to pay the full balance of the loan. I asked them for a copy of the loan and on the contract it showed that {$2700.00} was actually financed. They also told me I would have to pay and additional {$400.00} for the towing fees. This is an attempt to strong arm me out of my vehicle. Also they told me I could NOT sue them in court and when I looked over the contract again there is a stipulation in there that you wave all rights to sue them in court for disputes.

Company response to consumer: Closed with explanation