milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/22/2017 about Credit card () with SYNCHRONY FINANCIAL (NE).
Issue: Billing disputes

Complaint: I have a secondary holder on my JC Penny card account and they will no longer allow her to pay the bill in stores on my account. She is XXXX years old and used to be able to take a cab to XXXX to pay the bill in person. They are now refusing to allow her to pay the bill although she was listed as the secondary card holder. She even asked to speak with a supervisor the last time and they still refused. This has now resulted in two recent late payments. One in XXXX and one this month. Why wont they take her money anymore? This is causing an undue hardship on her and me as it affects my credit as she is just a secondary holder on the card.

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 05/22/2017 about Checking or savings account (CD (Certificate of Deposit)) with SYNCHRONY FINANCIAL (PA).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: Synchrony Bank refused to open a 5 year C/D for me even though I am a long time customer who recently sold their home and moved. I wanted to invest the proceeds of my home sale. They said I have to wait 60 days. I do have a freeze on my credit report. Why should a credit report be required to INVEST money from a long time customer?

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 08-02-2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (PA).
Issue: Loan servicing, payments, escrow account

Complaint: Recently l was reimbursed fees that were charged by an Equity Accelerator Program. This refund prompted me to look into other accounts to see if there was discrepancies with the fees that I have been charged. I discovered a ton of fees that have been charged to me by my mortgage company Nationstar. In the month of XXXX XXXX I was changed XXXX fees of varying amounts. In XXXX XXXX I was charged XXXX fees of varying amounts and in XXXX XXXX I was charged XXXX fees of varying amounts. There are other months in which I was charged just XXXX fee, but the amounts always vary. When I contacted Nationstar I was originally told that the fees XX/XX/XXXX stemmed from a missed payment in XXXX XXXX. I was told that only a principal payment had been received. When I pointed out the fact that the history shows a regular payment and a principal payment on XXXX XXXX, XXXX the story changed. The next explanation that I was given was related to the bankruptcy that I filed in XX/XX/XXXX. I was told that I missed payments in XX/XX/XXXX and XX/XX/XXXX and that the fees that I am being charged in XX/XX/XXXX and XX/XX/XXXX are related to those missed payments. When I pointed out the fact that my mortgage has only been with Nationstar for 39 months but that I am charged XXXX fees I was told that I was misunderstanding the charges. Well I do n't understand the charges. As I stated my mortgage is paid through an Equity Accelerator Program. I ca n't remember when I started the current program because I had had it set up through XXXX XXXX prior to my mortgage being sold. I attempted to speak to Equity Accelerator and they advised that due to a system upgrade I am not currently able to review my transaction history. Any questions can be answered by a representative. When I spoke to the representative she referred me to Nationstar. I am getting the run around here and I need to get to the bottom of this.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: On XX/XX/XXXX transunion received a dispute from XXXX XXXX XXXX XXXX. The investigation stated you verified these accounts as being reported accurate. Verifiable has a legal meaning and refers to a copy of the actual document I signed to open the account. You have not provided me a copy of my original signed documentation ( a consumer contract with my signature ) as required under section 609 ( a ) ( 1 ) ( A ) and section 611 ( a ) ( 1 ) ( A ). On XX/XX/XXXX you received a certified letter for Method of verification that requires 15 days. You failed to provide method of verification as required under 611 ( a ) ( 7 ). Under section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. XXXX is not 100 % verification. You pasted this deadline of 15 days and must delete all accounts disputed.

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 Debt collection (Medical) with PlusFour, Inc (NV).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: This charge was part of my bankruptcy and debt collector was notified several times in the last several year but continues to transfer collection and restart on my credit it should be recognized and removed per my bankruptcy per federal court ruling. 
This is the only negative mark on my credit and I have been trying to remove consistently from my record. This was removed from XXXX but not XXXX system. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Professional Placement Services, LLC (MN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: This my second complaint against Professional Placement Service in the last 14 days. The debt for {$670.00} owed to XXXX XXXX XXXX XXXX do not belong to me. This debt is the result of identity theft. I am a victim of identity theft. I have never opened an account with XXXX XXXX XXXX. This debt is currently on my XXXX, XXXX and XXXX credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2016 about Debt collection (I do not know) with ROC Asset Solutions, LLC (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: The XXXX XXXX XXXX collection company has been repeatedly harassing myself and my husband on a debt ( supposed pay day loan ) that I do not owe. I have informed them to stop contacting me and they continue to do which is not legal. They have also divulged sensitive information related to my " so called debt '' to my husband which is also illegal. I am being harassed during work hours and my family is being harassed. Please help!

Company response to consumer: Untimely response
Consumer complaint received 03/23/2016 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: XXXX is continuously re-aging the accounts on my credit report and Equifax continues to report credit account. per FCRA XXXX is in serious violation of repeatedly adding the account to my file. They are trying to ruin my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: XXXX states erroneously that Chaper XXXX bankruptcy that was dismissed/withdrawn is the same as a Chapter XXXX that was Discharged, and the Two concepts are completely different : as follows One shows the abdication of debts= discharge The other shows the LACK of follow through and should not be counted against you in a credit file. 


I should not bear the negative consequences of changing my mind ( due to bad legal advice in a divorce ) since it affects no creditors and the item should be removed and my credit score increased

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2016 about Mortgage (Conventional fixed mortgage) with LoanCare, LLC (OR).
Issue: Loan servicing, payments, escrow account

Complaint: Loan Care did not pay my XXXX county taxes in a timely manner ( despite having the money in a timely manner ) resulting in additional tax charges. I contacted Loan Care about this issue and they did not respond. I have now had to pay the tax bill to avoid late fees and request reimbursement for this payment from Loan Care.

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 10-05-2016 about Student loan (Non-federal student loan) with Equitable Acceptance Corporation (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: XXXX of 2015 I received a call from a well spoken man claimming that he was working with a company who received a federal grant from a new bill President Obama issued to consolidate federal student loans. I was really excited because I had just given birth to my XXXX son and was getting back on my feet after being XXXX and just moved into my first apartment so I did n't ask a lot of questions, he said he was from the government and that his company was with the XXXX and had a great rating. I gave him all my personal information and completed some paperwork over the phone and I 've been paying XXXX a month to the Equitable Acceptance Corporation since XXXX. They have been charging me interest and I 've had the loan for a year but it never seemed to go down and whenever I called to ask them about it I reached only a voicemail. Between XXXX and XXXX I received letters from XXXX my REAL loan company saying my bill was XXXX $ and I owed XXXX $ so I assumed that this was because of my loan with equitable acceptance. 
The man I talked with to set up the loan with equitable acceptance knew that I was recently XXXX and that my financial knowledge was minimal and he assured me that this loan would be a great step towards a positive financial future. I 'm a single-income home and provider of a minor ... I 'm really disappointed in myself for falling for this scam but I 'm even more frustrated that a company like this is even allowed to exist.

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with First National Collection Bureau, Inc. (ME).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Have been receiving numerous calls from XXXX XXXX XXXX XXXX XXXX, Maine. When I pick up the receiver no one answers and there is no recording, just silence. This goes on day after day. Finally yesterday, XXXX/XXXX/2015 after receiving another call I called the number back. Woman who answered said she was from a Collection Agency, did not give a name of the organization and that she was looking for a woman, XXXX ( XXXX name ) which I can not remember. I informed her that my wife and I live here and there is no XXXX living here. Calls from this number are nearly everyday, often twice a day. The least they can do is answer the phone when they call my home. I hope you can rectify this nuisance for me. I have no debts other than monthly bills and have never dealt with a debt collector. 
Thank you.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2015 about Consumer Loan (Vehicle loan) with EXETER FINANCE CORP. (OH).
Issue: Managing the loan or lease

Complaint: I do not owe this account or the money I have previously filed a complaint with exter and XXXX and have not heard anything from them or you regarding this negavite report I would like a validation of this account and the amount this company is reporting I 've already provided the documentation

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: XX/XX/XXXX - requested online a credit freeze from Equifax.

XX/XX/XXXX - received confirmation from Equifax regarding freeze, and suggested if information is incorrect to contact them at XXXX. 
XX/XX/XXXX - I called XXXX to inform them they entered my current address incorrectly. 

The customer service representative asked me all the security questions, a credit card company I use now, my social security number, my mortgage company & monthly payment, a previous address, my date of birth, etc. I answered all their security questions, I informed her they have my address incorrectly and needs to be corrected. She informs me I need to send a copy of my drivers license, copy of my social security card, and a letter stating what needs to be updated. 1 ) A sure way for someone to steal my identity is if I send the information she requested via mail. 2 ) I've already answered all their security questions over the phone, why can't they just update my information then? And if they can't, why bother asking me for all those security questions? 3 ) They made the error, it is their responsibility to update when contacted. If not, why bother asking us to call their customer service number. 4 ) Why am I not allowed to update via website? What is the purpose of their Personal Identification Number for the freeze if we can't even use it to update our information? 

Then I was transferred to the supervisor XXXX ID # XXXX, she informs me that I can have my BANK send information! Now that alone sounds like someone trying to steal more than my identity. 

This is absolutely unacceptable, if the only way for them to update their error is for me to send my personal information via mail ( copy of Driver 's license & copy of Social Security Card ), then there is a huge flaw in their " security '' system.

Why do we even need 3 credit reporting agencies? If Equifax can not get their data correctly in their systems, then they should not be in the reporting business! Please revoke their license to do business!

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2016 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (IN).
Issue: Settlement process and costs

Complaint: We applied for a loan on XXXX XXXX 2015. They told us that we would be closing on XX/XX/XXXX. We sent all the requested info to XXXX XXXX at Carrington Mortgage on XX/XX/XXXX. He sent us an email on XX/XX/XXXX stating that it was not in underwriting like he said because he did not have info that we already sent. We resent this info and he emailed us again on XX/XX/XXXX stating more info was needed that was never told to us. We reached out to him daily and he told us they had all info as was in processing. As of XXXX XXXX he let us know they did not do paperwork correctly so they had to cancel original loan and restart the process. We resent everything on XX/XX/XXXX. He reached out to us on XX/XX/XXXX stating there was even more missing info. On XX/XX/XXXX he emailed us yet again with more missing info. We have asked him repeatedly if this is all and he states yes and it is being sent to underwriting. We received even more correspondence on XX/XX/XXXX and XX/XX/XXXX. At this time he stated we can close on Thursday XX/XX/XXXX but he had to have 3 days prior to sign the papers due to the right to cancel. It is XX/XX/XXXX and we were told they deleted our file when they were sending it to underwriting and we have to restart the process. Every time they restart the process our closing cost keeps going up but they do not state why the closing cost is going up. At this time we have not heRd when we are closing and they are not returning our call

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2016 about Credit card () with CITIBANK, N.A. (IL).
Issue: Customer service / Customer relations

Complaint: 1. I applied and was approved for the Citi XXXX Credit Card on XXXX/XXXX/2016 and provided address A on the same day. 
2. I changed my home address on XXXX/XXXX/2016 because of moving and gave them my address B, however I have n't received my credit card until XXXX/XXXX/2016. During this time, I have told 10+ time my new address B ( which is the same one I provided on XXXX/XXXX/2016 ) over 10+ call with Citi. 
3. On XXXX/XXXX/2016, I wanted to pay for {$700.00} balance in my tuition online ( which is a legit school website ) and my card was declined for no reason. 
4. I immediately called Citi and they told me that because my phone number is invalid ( which is unreasonable because I am calling them from that phone number all the time ) and I do n't have a homeline ( I only have a cell ) and I do n't have another Citi credit card with them. So they CA N'T verify my ID. They told me the only way to verify my ID is that they will send me a letter in mail and I should follow the instruction. 
5. Today is XXXX/XXXX/2016 and until today I have n't received any mails from Citi. 
6. I called Citi on XXXX/XXXX/2016 asking about the letter in mail and they told me they would send me another one. 
7. To conclude : I applied for this credit card on XXXX/XXXX/2016 and I ca n't even use my card for XXXX time as of XXXX/XXXX/2016 and I do n't know how long I have to wait.

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 08/23/2016 about Consumer Loan (Installment loan) with CNG FINANCIAL CORPORATION (NY).
Issue: Taking out the loan or lease

Complaint: I received an email approximately 3 weeks ago stating that a loan for {$3400.00} was taken out in my name at Check n Go. I never applied for this. I called the company. There are XXXX sections within the company : the website and physical stores. The website had no record of my information. They claimed they were unable to look up my information within the store portion. There are no Check n Go stores in New York State where I reside. I filed a report with XXXX as they said to do. No one has followed up with me. I am now receiving emails that I owe {$470.00} on Friday.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2017 about Mortgage (Other mortgage) with Seterus, Inc. (CA).
Issue: Settlement process and costs

Complaint: Reference CFPB XXXX I and a friend owned a rental property in South Carolina. Because of various hardships ( I can provide the letter ) we short sold the property. Seterus delayed the acceptance of the original offer on XX/XX/2013 for 6 months. During that time they started the foreclosure process, so it shows up on our credit report. On XX/XX/2013 they closed escrow with the person who made the original offer. 
XX/XX/2013 Contract for Sale signed by sellers XX/XX/2013 1st Settlement agreement XX/XX/2013 Foreclosure documents submitted in SC Court of Common Pleas docket XXXX XX/XX/2013 2nd settlement agreement signed by sellers XX/XX/2013 Close of escrow

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2016 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (FL).
Issue: Problems caused by my funds being low

Complaint: I consider myself to be a smart and responsible consumer. I was recently charged for XXXX overdraft fees by TD Bank. I keep a record of my purchases and also check my balance online daily. I made XXXX purchases/payments to XXXX XXXX on XXXX/XXXX/16. This left me with approximately a {$10.00} balance. When I checked my account on XX/XX/XXXX everything was fine. On XX/XX/XXXX the XXXX aforementioned payments came out but only after a unauthorized charge of {$130.00} hit my account on XX/XX/XXXX. I spoke with the company that charged me and immediately deposited {$130.00} to cover that even though it should not have been debited as a recurring charge. I also had XXXX negligible charges also prior to XX/XX/XXXX that did not post until XX/XX/XXXX. I contacted TD bank online. I was told I would receive an email response with 24 hours. 48 hours later I had no response. I emailed again. I finally received a response which stated the fees were valid. I walked into my local branch. I explained what happened. I asked them to look at my record. The representative stated they do n't process transactions in the order they come in, they process them high to low. Had that unauthorized charge of {$130.00} not hit my account first, I would n't be facing XXXX overdraft fees totaling {$140.00}. I consulted a friend in banking who said it was a common practice but some banks were changing this. This is not an ethical practice. This is a greedy money making practice for big banks to prey on hard working consumers. The bank refused to issue me credit for the fees. I will no longer be banking with TD Bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/19/2017 about Student loan (Private student loan) with TRANSWORLD SYSTEMS INC (AZ).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: I was illegally sued by XXXX XXXX XXXX for 2 private student loans in XX/XX/XXXX. I had disputed these loans with the original creditor and XXXX and requested proof of debt owed. I never received anything except a summons for court and notification that I was being sued. I had to hire an attorney to represent me and was bullied into accepting and paying a settlement on loans without proof that I owed the debt. My husband and I were in a rebuilding stage of improving our credit after having to file bankruptcy and losing our home in XX/XX/XXXX and felt we had to pay or risk losing everything again.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2016 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: XXXX XXXX/XXXX/16 This is an unauthorized inquiry with NO PERMISSIBLE PURPOSE. As such, it must be deleted.

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 07/28/2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Account opening, closing, or management

Complaint: I have a checking and savings account with Bank Of America, my complaint is that every month they charge fees for every transaction I make when managing my bank account. I should be allowed to transfer money between my checking and savings at anytime I wish. The money typically stays within these accounts but having to worry about getting a fee for transferring my money from my checking account into my savings on a daily basis is outrageous

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