milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/16/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (DE).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: Hi, I had several consumer accounts that I have had for years that were part of GE Financial Services. GE Financial sold off all of their consumer credit accounts to XXXX XXXX. As soon as Synchrony took ownership of my accounts they began a systematic lowering of all of my account credit limits, and closed without notice at least two of my accounts that had a {$0.00} balance.
When I called to inquire why I was told that my balances were to high in comparison to my credit limits. I explained that they were not in this condition until they had lowered all of my credit limits. They proceeded to then go off on a tangent about my overall credit etc., etc. Even after I have paid off two of their accounts, they continue to chase the balances on my remaining accounts with them. With a tiny bit of research I found that this is a widespread practice of XXXX XXXX, and that I am not the only one that is having their credit score damaged by this practice. I have always paid all of my accounts, and continue to do so. IS there anything that can be done to stop this practice? Thanks, 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 explanation
Consumer complaint received 01-02-2018 about Debt collection (Other debt) with PORTFOLIO RECOVERY ASSOCIATES INC (SC).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I sent a letter to all three credit bureaus to dispute a debt from Portfolio Recovery Associates on week of XXXX XXXX and PRA sent a letter on XXXX XXXX saying they bought the debt from XXXX XXXX. They did n't validate this debt because they said they got it electronically. I sent them a letter to fill out in order to validate this debt on the week on XXXX XXXX ; they fail to validate but they updated on my credit reports that the debt meets FCRA requirements. This collection agency even have my first and last name spelled wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/27/2015 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (NY).
Issue: Loan servicing, payments, escrow account

Complaint: My wife and I believe that the Private Mortgage Insurance ( PMI ) on my home loan is ready or near ready to be cancelled based on the loan to value ( LTV ) ratio. Contrarily, Citimortgage has informed us that is not the case. We purchased our home in XXXX XXXX. In XXXX we began investigating ways to refinance the loan, however we were denied because of a reduction in home prices and income due to a job loss. By XXXX we began inquiring with Citimortgage about a loan modification, which we believed was possible through the Home Affordable Refinance Program. The process was painful and repetitive, involving multiple requests for similar documents worsened by changes in Citi staff, who often showed a lack of knowledge and concern for us. Miraculously, by the summer of XXXX we were able to successfully modify our loan, which saved us a modest {$400.00} a month. Throughout the process we understood that we were modifying our current loan. However, recently, when I inquired about the PMI, Citimortgage informed me that we actually had completed a conventional refinance, changing the LTV to the new loan price at the time of the XXXX closing. I disputed this understanding and was told that I should reference the promissory note, which I did. On the top of the document is prominently written, Consolidated Note and states that this note consolidates, extends, and modifies existing loan. We are confused. Furthermore, I suffered a job loss which caused loss of income and our home value had dropped significantly, precluding us from obtaining a conventional loan. We brought this to the attention of a friendly Branch Manager who reviewed our mortgage on an electronic database on her computer. She expressed some concern about the information then said that she could not speak to me about the matter. I asked her if she could refer me to an agent with whom I could speak. Instead she provided me with a mailing address to communicate with Citi. After several years of dealing with Citi in exhausting and overly complicated ways, we were reluctant to write. For example I have been on the phone with Citi employees discussing some of these issues for more than an hour with few or no resolutions.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with Checkr, Inc (GA).
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint: On background pending charges come up on a XXXX case in XXXX WI I was not convicted of any charges there are fines I have to pay it is against state laws to discriminate on not hiring individuals on charges they have not been convicted of

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2017 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: XXXX -XXXX XXXX XXXX it was reported through cfpb, it was taken off on credit report, not the others, I was n't my debt in the beginning I ask for the original bill they only sent a piece of the bill, the address and everything was incorrect, I ask to pay a percentage to take off even though it was n't mine, they refuse I ask that it be investigated and delete to all reporting bearu

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 10/20/2015 about Bank account or service (Checking account) with First Data Corporation (NC).
Issue: Account opening, closing, or management

Complaint: Still being ripped off by Money Network double charging for ATM Fees, on XXXX/XXXX/2015I was charged {$2.00} by the ATM and Money Network charged also an extra {$2.00} totaling {$4.00} for XXXX transaction. I tried purchasing to beers totaling {$2.00} and was declined. I intially requested, before receiving a new debit card to close my account and send a check in the amount of balance which was {$25.00} and to close my account! They said they could n't and XXXX XXXX XXXX states the bank must, so that 's plain to see that theres a run-around scam oney racket in banking still ago! Please request to them to send me the {$2.00} that is to be left in my accunt and then close it? Thank you!!!

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2015 about Prepaid card (General purpose card) with Blackhawk Network Holdings Inc. (FL).
Issue: Adding money

Complaint: Used XXXX to load money on my prepaid PayPower XXXX card but it was not added to my account. Have a confirmation receipt from XXXX, have the actual hard copy of the receipt that I have emailed XXXX times to the company and called close to a dozen times, spoke with several supervisors but yet over and over again they pass the buck and can not offer a resolution. It has been almost a month and still they have not credited my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10-07-2016 about Debt collection (Medical) with Capio Partners, LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have disputed this item several times with no success of this item coming off my XXXX credit report. I have had it removed from XXXX because the debt is not mine. this is very frustrating as I am trying to purchase a home and have debt that is not mine on my credit report that is affecting my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/23/2017 about Consumer Loan (Vehicle lease) with U.S. BANCORP (MA).
Issue: Managing the loan or lease

Complaint: We turned our vehicle in on XXXX XXXX, 2016 well before the month end date of XXXX XXXX and yet US BANK says the vehicle was n't " grounded '' until XXXX XXXX. They are trying to charge us for an additional month 's Lease that we did possess the car. 
It should be noted that this situation has been going on since XXXX of 2016 with me calling US BANK each and every time they sent us a statement. They are so incompetent that the representatives had no clue as to what was going on ... they would say we were missing documents and at other times saying we did n't pay the mileage fee ... 

These people were the worst to deal with and each and every person I spoke with said the same thing about US BANK as being a terrible company.

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 08/22/2015 about Credit card () with WELLS FARGO & COMPANY (NC).
Issue: Late fee

Complaint: I have a credit card with Wells Fargo. The " due date '' on my account is the XXXX of every month. ON XXXX XXXX, 2015 I went to my online account with Wells Fargo ready to make a payment to my account ... .this was at XXXX. When I opened my file and looked at my account online, my balance had gone up {$35.00} with no explanation ... additionally there were alert messages in red stating " Your account is over limit, remit payment at once ''. I had not charged anything with that card and looked at the definition of " date due '' ... .which clearly states that you have until XXXX on that business day to make a payment BEFORE late fees are issued. 
My complaint is that Wells Fargo is assessing a " late fee '' at the beginning of the day on the date due and not at the end of the day, as the law reads. I feel that this is illegal and should be looked into. Thank You

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2017 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Over several months, I have been getting phone calls asking to speak with "   XXXX   XXXX   '' about credit management. That 's not me, and I 've never met a  XXXX . Every time I get a call about her I say, " I do not know a   XXXX   XXXX  . You have the wrong person. Please do not call this number again. '' However I still get harassed about this strangers ' credit card debt. The most recent call came from Midland Credit Management. The phone number that called me was (   XXXX   )   XXXX    I am not certain whether it has been the same company calling me in the past, or another debt collector, but they always ask for "   XXXX   XXXX   '' ( again, no affiliation to me ). I do not know how my phone number became associated with this account, but please help me disassociate myself.

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2016 about Student loan (Non-federal student loan) with LOAN TO LEARN (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: In XX/XX/XXXX wife and I filed bankruptcy trying to help my mom when in the hospital Moved to XXXX for new job and finished paying bankruptcy XX/XX/XXXX -XXXX EduCap garnished my wages to where I could n't afford my mortgage and have to file bankruptcy again. Now I have a lien on my house and I can not sell my house because of a new job waiting for me in XXXX. I would like to work with EduCap to settle my debt but they wo n't even talk to my bankruptcy lawyer. I 'm not trying to get out of paying my debt but I am asking for help so that I can pay EduCap off as soon as possible. 
If I ca n't sell my house I will have to forclose and I 'm trying not to go there It would be better for me to sell my house and give EduCap any profit I make on the sale. 
All I 'm asking is to work with me so we both can move on with life. 
Thank you for any help and support you can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2017 about Mortgage (VA mortgage) with PLANET HOME LENDING, LLC (MD).
Issue: Loan modification,collection,foreclosure

Complaint: I am a divorced mother to XXXX wonderful children. My ex-husband is a Veteran. In XX/XX/XXXX, we purchased a home using his VA entitlement. In XX/XX/XXXX we had to modify the mortgage after I was placed on XXXX due to a XXXX and was unable to work. We were able to afford the payments after the modification. However we separated in XX/XX/XXXX and he agreed to maintain the payments for the marital home. I maintained the payments for the condo where the children and I are currently living. During divorce proceedings in XX/XX/XXXX, I was advised the property was in default due to nonpayment of mortgage note since XX/XX/XXXX. He was subsequently awarded the home and I was awarded the condo. He was awarded sole liability and responsibility for the marital home from XX/XX/XXXX onward. A Quit claim was filed to him. He was to remove me from all liability associated with the property. He has not done so. I contacted the mortgage company, Planet Home Lending , LLC. The Loss Mitigation specialist advised that " there is nothing we can do for you. You will need to pay the outstanding back mortgage and he would have to refi, modify the loan or sell the property thereby removing your name. '' I advised her that his VA entitlement guarantees the loan in case of default. I was again advised that I will continue to have negative the reporting on my credit associated with the property because I am listed as a co-borrower on the loan. I advised her that the unfair negative reporting practices of Planet Home Lending , LLC. is causing me severe credit casualty. I 'm asking for any relief because the VA has already affirmed that his VA entitlement insures the mortgage against default, the home was awarded to him in the divorce, he has assumed all liability from XX/XX/XXXX to present and I have already Quit Claimed the home to him. I understand that the mortgage is still in effect until he completes the modification process. I 'm just asking for the negative reporting to the credit bureaus to stop. Please provide any assistance you can so I may also move forward and provide for my family. Thank you.

Company response to consumer: Closed
Consumer complaint received 10/19/2015 about Debt collection (Payday loan) with QC HOLDINGS INC (WA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: After telling them I owed other agencies mainly the State of Washington money and that they would have to wait. They continued to call me at least once if not three times a day looking to set up payments. All while denying that I had talked with anyone about my situation. They continually harass my family members and some how found out my new work number in a different city across the state and has started to contact me here putting my job in jepordy and tarnishing my professional reputation.

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 02/22/2017 about Mortgage (Home equity loan or line of credit) with SUNTRUST BANKS, INC. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: We have a credit line with Suntrust Bank in XXXX, Florida. The XXXX names on this credit line are XXXX persons : XXXX ( myself ), XXXX ( wife ) and our son, XXXX. The interest pertaining to this credit line are debited directly from my son, XXXX 's checking account. The Form XXXX, has my name only, showing my social security. I have in many occasions requested to change this to my son 's name along with his social security number, as he is the one paying the interests and are debited directly from his checking account. They have told me that they can not change it. To my knowledge, the Form should show my son 's name ( XXXX ). I am a retired civilian and do not even have enough funds to pay such interest in that amount. Also, since I am retired and receiving social security, this can cause unneccesary problems with the IRS. Please know that this is a former complaint against Suntrust, and wish for you to assist me if I have the right to this request.

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 10/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I called Equifax after taking 2 hours out of my day to wait on hold until an representative answered the phone, to be hung up on Not once but TWICE! So a total of 3 1/2 hours waiting on the phone XXXX/XXXX/XXXX. I had addresses that appeared on my credit report and I was calling to take care of the action. One of the addresses was XXXX XXXX XXXX, and XXXX XXXX XXXX both XXXX XXXX NC. I had the job XXXX XXXX pop up, but I 've been a employee of XXXX XXXX XXXX for years. I had a inquiry from XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX and XXXX XXXX XXXX XXXX/XXXX/XXXX. This was all concerns that I expressed with the rep who told me that he sent a message to the other team to handle the concerns, but once put on hold they would hang up on me. I was more than polite, and the both reps was as well. I 'm more upset that things are on my report that should n't be and once I had time to handle the situation almost 4 hours was waisted out of my day for nothing. The hold times are ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (HI).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XXXX XXXX XXXXXXXX XXXX XXXX is my Commercial policy Insurance Company. On XX/XX/XXXX and XX/XX/XXXX I was rear ended and suffered severe debilitating injuries resulting in Loss Wages paid by XXXX XXXX XXXX XXXX XXXX  of {$2000.00} per month from XX/XX/XXXX to XX/XX/XXXX. Along with Personal Injury Protection Medical payments made by them to all my Medical providers. This company has in essence penalized me for these Accidents and has raised my Commercial Policy premiums from {$2500.00} per year to {$5900.00} per year for my XXXX XXXX policy. This is clearly based upon my filing of Bankruptcy in XXXX XXXX of Bankruptcy case # XXXX. 
I have filed several complaints with the Hawaii State Insurance Commissioner 's Office and have not received any justifiable results to correct the Over charging or the Injustice of being placed on the Joint Underwriters program. I should not be on this program and it is due in part to my credit rating that needs to be corrected with all credit rating bureau 's in the United States. The Bankruptcy Trustee has returned my cases a few months ago. But, I am still subjected to the same hardships, or difficulty with the legal system to pursue these matters, and receive fair and adequate settlements for injuries. So, I can move forward with my Surgeries and once again pursue my Businesses and Life per se. WILL FAX THE BANKRUPTCY COURT FINAL DECREE

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 12-06-2017 about Mortgage (Conventional home mortgage) with GUIDANCE RESIDENTIAL, LLC (IL).
Issue: Trouble during payment process

Complaint: I am long time customer of guidance residential which provide XXXX loan in XX/XX/XXXX I didnt have the hazard insurence of my building they send me the letter about the inside condo insurence I bought from XXXX .but not for the building insurence we have four unit condo building I took the condo inside insurence and send them the copy .after one year in XXXX they asked for building insurence I took the insurence from XXXX XXXX and send them but now they are saying give us theXX/XX/XXXX year building insurence Money which is already passed. I was late getting the insurence of 2017 and they bought the insurence for me and send me the copy which was reversed when I bought my own insurence but they didnt send me any letter or reminder to get the insurence ofXX/XX/XXXX they didnt buy any insurence of XX/XX/XXXX they didnt send me the copy of the insurence which they send in XX/XX/XXXX but they are asking Money for that I tried to solve the problem but they are not willing to listen please help its around XXXX dollars and other owner are not willing to pay thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2017 about Money transfer, virtual currency, or money service (International money transfer) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Money was not available when promised

Complaint: We are a Freight forwarding company established in XXXX and based at XXXX CA. We have an account with Bank of America, XXXX CA. On XXXX XXXX, XXXX we transferred {$13000.00} to our own back office / customer service center based in XXXX. As of today XXXX XXXX, XXXX the corresponding bank in XXXX has not received the funds. We have made several contacts with Bank of America at XXXX CA in person and over the phone. Our last contact was with XXXX XXXX and all he kept telling us was to wait and see what happens. Bank of America has put a recall on the funds based on our request but is taking no responsibility for the funds. Funds were transferred using online service provided by Bank of America. 

We need your assistance.

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