milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-05-2017 about Credit card () with CITIBANK, N.A. (FL).
Issue: Credit determination

Complaint: I submitted a phone payment for a home depot credit card and was given a confirmation number as having been paid. At my next billing cycle, I saw that the amount was past, and I called and found out that the payment had been declined after 3 days. I was reported to the credit agencies. I contacted the credit card and they acknowledge having given me a payment confirmation but they refuse to retract their credit reporting, leaving me with a late payment on my credit history. I was never notified by them that the payment had been declined until my next statement. I had money in the bank to complete the transaction at the time so I am not sure why they would confirm payment and then decline 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 03/15/2017 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Other

Complaint: 1. Incorrect payment application 2. Deceptive advertising 3. Fraudulent / incorrect 4. Incorrect amortization of finance charges ongoing 5. Disregard for basic Truth In Lending Statutes 6. Misleading statements 7. Inability to access promotional charges through online interface I made multiple special financing purchases through my Amazon Prime Store Card which is provided by Synchrony Bank and serviced by Synchrony bank. 

During the course of these promotional periods, I also made normal routine purchases on my Amazon Prime Store Card. 

I have repeatedly had to message in, every month pretty much, to what I need to pay in order to avoid interest charges. I also have to request that it be applied in a way that avoids interest on my non-promotional charges. They have no way of doing this online or through the statement. On my 2 most recent statements ( XXXX 2017, XXXX 2017 ) in addition to at least 1 prior statement, I noticed that Amazon had ( without my knowledge or consent ) changed a very substantial amount of my special financing. I was not given an option to accept or decline this change, nor was I made aware of any finance charge implications or overall cost of financing. In addition, under my activity tab in my co-branded Synchrony Bank ( Amazon ) account - the system has not been able to show me my promotional balances and my statements have been incorrect and the numerous agents I 've chatted with have all told me different amounts and stories about the interest and what has happened with the account. I believe this is a systemic problem within Synchrony Bank servicing and procedure and I 'm left confused and feeling there is n't any real adherence to Truth In Lending Act or the Card Act for the matter. I am now ready to hire an attorney and seek out a class action lawsuit against this 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 explanation
Consumer complaint received 08/15/2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Struggling to pay mortgage

Complaint: Select portfolio Service is our loan holder ; we have been attempting a loan modification since XXXX of 2016. They sent us a letter indicating they had all the information they needed and we were pretty much approved. One week later we were asked again for the same information we have already submitted several times. Based on everything they have done and said they have no intention on giving us a modification, even though they admit they are legally required to do so. We and hundreds of other customers are treated unfairly and are the victims of illegal practices and an overall culture of attempting to stall and do everything possible to not help anyone. They are at best incompetent bumbling idiots that work there or more likely - following company policy which seems to be to help no one and try and accumulate as many fees as possible ... .they charge us for evaluating our property about 6-7 times a year, they charge us to make a payment. They are acting criminally.They are predators and should be stopped.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2017 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (MO).
Issue: Struggling to pay mortgage

Complaint: I began this process a year ago. I applied for mortgage assistance, and was entered into a short sale agreement that unfortunately didnt work out. There were issues with the realtor, and eventually the agreement fell through due to requirements from the mortgager that was supposed to get handled but never were. Things were being requested that were never in the home before we purchased it. I never received a resolution, and entered into the assistance program again. This time around I had an individual interested in renting the property to help us get out of our financial crisis. I simply needed a forbearance agreement. Sounded simple, but now over 8 months later, I am still getting lied to and XXXX  around. I believe their goal is to obtain the interest, and render me completely insane in the process. I have literally sent them every shred of paperwork requested multiple times. I would talk to a rep that stated everything was there and good to go, and the next time I called would be told the opposite. I would resend everything again, and go through the process all over. This exact described situation has happened so many times I lost count. I talked to reps during these months that called to check on the loan and if I would be making a payment. When I told them I am in the assistance program, they stated that they were in a different department, and couldnt assist me. It became so crazy that they said a small smudge on my docs were keeping my files from going through. I corrected the said smudge, and the next time they didnt know of any reason my files werent working. I sent the docs needed to them in so many ways that they should know everything about us. Now, they arent working with me, and I have a forclosure date looming. All I need is a forbearance to proceed with the renter. Please help us out!!!! I cant work with people that tell me lies after lies. I am going insane!!!

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I got a copy of my credit report and there are things that just are n't accurate on it. I am greatly concerned because I am a good paying person and do n't want people to think otherwise because of these mistakes that are on your report about me. Please fix the following items so anyone who looks at my credit report will see what a good payer I am. Incorrect Name XXXX XXXX Why is my name not showing correctly? You are provide incorrect information on my file. Please update ASAP with the ID provided. XXXX XXXX XXXX I can not agree with the information you are filing in the status, payment status, account number, high balance and the terms of this account. Corroborate this, correct it and/or delete immediately. XXXX XXXX/XXXX/2015 This inquiry must be an error as I do not recall applying to this 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 non-monetary relief
Consumer complaint received 08/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (NM).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Upon being told by the VA that I was no longer able to pursue a career in Chiropractic I then took the steps to have my loans forgiven as I was in the process of becoming a 100 % XXXX XXXX XXXXXXXX Veteran. I had my physician at the VA fill out paperwork certifying that I was no longer able to pursue a career. My injuries sustained while in the service were the reason for me being approved by the VA for 100 % XXXX XXXX XXXX. 

I have submitted all the required forms to XXXX XXXX   including a letter signed by my physician at the VA acknowledging that I am 100 % XXXX XXXX XXXX veteran. Paperwork was submitted in XXXX 2010 return receipt signature required. 

Account # XXXX XXXX {$8500.00}, # XXXX {$20000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (CT).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: Santander gave XXXX XXXX a fraudulent loan. Car purchase price was {$13000.00} and I put {$2500.00} down. However Santander charged me for a loan at XXXX. I could not afford a loan that high at 21 %

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2015 about Bank account or service (Savings account) with Law Office of Michael J. Scott, PC (TX).
Issue: Deposits and withdrawals

Complaint: On XXXX a legal order XXXX with a number following it garnished XXXX plus XXXX bank fee from my XXXX XXXX XXXX savings account. The only money in that account was backpay from a VA XXXX claim and my VA XXXX monthly deposit. I can not work now due to my XXXX and am rated XXXX with individual unemployment. I recently had XXXX so it will soon be upgraded XXXX I ca n't work now so I depend on that money for my living expenses. The company was XXXX XXXX XXXX as assignee of a judgment rendered in XXXX XXXX XXXX XXXX. Their attorneys Scott , Parnell & Associates , PC out of XXXX, TX filed it on XXXX through XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas. The first I knew about it was on XXXX when I checked my bank account. I went to the bank but they could not tell me anything about it. When I came home the mail had arrived and I received the court papers which I do n't understand but at least I know who did it now. Papers received on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Experian credit reporting agency is reporting that I have 2 late payments, but can not show where they are, I have no late payments AT ALL. 
In the last 90 days I have requested these be removed and they remove them for a brief period of time only to have them reappear.

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 10/25/2017 about Debt collection (Mortgage debt) with FRANKLIN AMERICAN MORTGAGE CO. (VA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Hello, I 'm writing in regards to a new mortgage ( 60+ Days ) that has been transferred between several banks and XXXX XXXX XXXX 

I have never received a statement or bill from any company and do n't know how much to pay. I 'm now in behind with the Franklin American Mortgage Company. I 've attempted to call and find out what the amount is but the phone system continues to re-route me or re-direct me. I can not contact their Collections Department and there is no number listed on their site or from XXXX searches. 

They have sent me two letters telling me I 'm late, with incorrect contact information or NO contact information for the Collections Department. They have hours of operation, very handy, but no way to call, not very handy. 

This is a violation of my rights under UDAP. I 'm being charged fees for a mortgage where I have NEVER received a bill from Franklin Mortgage. 

How am I supposed to pay if I do n't know the amount? They are trying to illegally service this loan and eventually take my home when they NEVER delivered a bill. 

I have have attached a copy of their Collections Letter as proof of this frustrating process. Other than a " Welcome to Franklin! '' letter, I have received only Collections notices of this vague nature. 

Please help.

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 04-01-2016 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (CT).
Issue: Loan modification,collection,foreclosure

Complaint: I have been trying to do a short sale on this property since XXXX/XXXX/XXXX. Every time we submit documents, the servicer says they can not move forward because the foreclosure sale date is too close. So, either our attorney or the servicer goes to court and requests an extension. The extension is granted and I try to move forward with the short sale. The servicer again says they need more time, so the short sale is denied. I just called them, after getting an extension to XXXX/XXXX/XXXX, and they said they need at least 6 weeks to complete a short sale and said they want it to foreclose, they wo n't do the short sale.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Problem with fraud alerts or security freezes

Complaint: Hello, After the XXXX data breach, I used the XXXX website to see if my SSN was impacted ( XXXX XXXX XXXX ). They confirmed that I had been ( although I 've read reports that their system is incorrect more often than not ) I have since been taking steps ( today, X/X/2017 ) to add freeze to all of my credit reporting accounts. Across the major three and additional 1one ( XXXX, XXXX, Transunion, and XXXX ), the process has taken me hours with only some success. 

My major complaint is that the time and cost of placing freezes has been arduous. I have already paid multiple institutions for placing the freeze ( XXXX - {$5.00}, Transunion - {$10.00} ) and both require fees if I ever decide to temporarily lift the freeze. 

I am genuinely confused why agencies that I did not consent to giving my information to are allowed to charge me for them to keep my social security number safe. Why is the default that they can set their own policies with my personal information? Why is opting into a slightly more secure set up ( a  freeze ) costing me time, lost income, and fees? 

I realize that I am bringing up a systematic issue, and not a particular one. Regardless, I believe the CFPB is the only organization that can help and I would love to know if that is possible and if there is anything you can do to help me and people like me. 

Thank you in advance for your help and thank you for all that you do!

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 07/13/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have written all XXXX major credit bureau 's at least 3 times each trying to clear up my credit score. Since their responses are so similarly obfuscating and unresponsive, I believe that they illegally work together! Please investigate them for illegal collusion! 

My credit history used to be excellent until XXXX loans I took out on condominiums in XXXX, North Carolina were defaulted upon. I did sign for these loans, HOWEVER, I was scammed out of ownership of these properties. I do not own them. 
They are owned by my former accountant, XXXX XXXX and his wife, XXXX. That information can be easily checked. ( They were supposed to have been owned by an LLC that we owned equally, along with XXXX other condominiums in the same complex, however that was either not done or illegally undone. ) I diligently tried to work with the XXXX banks originally involved ( XXXX, XXXX and XXXX ) to buy the loans from them or to cooperate with a repossession. The banks recurrently failed to follow through on our ( mine and an attorney ) discussions. 
There were also title issues ( the XXXX condo 's were in XXXX different XXXX buildings for which the legal addresses and the street addresses of the XXXX were mixed. ( " We '' owned all the properties so it should not have been a bug issue! ) I also tried to help resolve this issue and hired an attorney. He too could not get the banks to cooperate. 

XXXX have, recently, resolved XXXX of the XXXX loan issues. I am not involved. 
XXXX XXXX informs me that he is willing to resolve the last loan, but the bank is refusing to work with him, but is trying to resolve the property tile issue. 

I would like my good credit score restored. The credit bureau 's seem unwilling to understand or accept my plight. I pay MY bills. 

I pay the mortgage on my home ( which they bizarrely claim I dispute along with the XXXX loans! ) I pay all my other bills on time. I simply refuse to pay for mortgages on properties I do not own. 

I refuse to accept that my credit score should be impacted by this when the holders of the mortgage debt refused to work with me to resolve the problem and could have been made whole. ; the properties have sufficient equity to fully reimburse the creditors. They just refuse to cooperate and/or act. 

I have lost over {$250000.00} and the banks are not at risk of losing a penny if they work with me or use their legal authority. I should not have my credit history and ratings destroyed because I was scammed and the banks either are ( XXXX of the XXXX ) or can be fully reimbursed. 

Please help me get through to the credit bureaus who are jointly deaf. I want my good credit ratings restored.

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 02-09-2016 about Credit card () with WELLS FARGO & COMPANY (FL).
Issue: Billing disputes

Complaint: Wells Fargo Executive Office states they can not trace electronic payments made via their bank to several banks and locate funds associated with those payments which the targeted payees state are lost and have never been received. After spending over one hour on the phone with both Wells Fargo & each of the payees, nothing was resolved except the loss of my funds. 

Thank you for sending your inquiry We have received your inquiry regarding this payment : Payee Name : XXXX XXXX XXXX Payee Nickname : XXXX XXXX XXXX XXXX : {$800.00} Payment Reference Number : XXXX Send On Date : XXXX/XXXX/2016 Your Case Number : XXXX Payee # XXXX Payee Name : XXXX XXXX - CREDIT CARD Payee Nickname : XXXX XXXX - CREDIT Payment Amount : {$1900.00} Payment Reference Number : XXXX Send On Date : XXXX/XXXX/2016 Your Case Number : 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 06/20/2016 about Credit card () with SUNTRUST BANKS, INC. (GA).
Issue: Billing disputes

Complaint: XXXX was sent to me. But only XXXX was ordered online vie XXXX in XXXX XXXX. Also my wife was present doing the ordering of XXXX XXXX. SunTrust credit card XXXX reimbursement the XXXX credit my account ending in XXXX XXXX XXXX. But in XXXX XXXX XXXX they had XXXX debited my account XXXX. Stating that information sent to me via XXXX concerns XXXX Questions XXXX XXXX XXXX S/T credit card letter was not sent in time before XXXX/XXXX/XXXX. That 's a lie it was sent at a Suntrust bank branch office in XXXX GA. XXXX/XXXX/XXXX at XXXX pm XXXX pages status OK. Fax number XXXX XXXX XXXX in XXXX FL. 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 monetary relief
Consumer complaint received 11-04-2015 about Debt collection (Non-federal student loan) with Atkins & Ogle Law Offices, LC (WV).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: Havent been informed that this debt was still owed. Last comminication I had with company was in 2008 by court paper that stated withdraw motion due to expire. I took that to mean they were not pursuing the debt anymore. Now 8 years later my emploer is garnishing my wages for the amount of original loan plus 8 years of interest. My permanent address is my mothers. Not sure why after all these years something wasnt sent. I have an additional {$3500.00} added to loan to repay. Why was I not informed? It 's like they sat on this debt and let interest build up until statute of limitations were about ready to expire then decided they wanted their money. I would have had this debt paid off years ago if I had known I still owed it. Just unfair. Should have been notified of this years ago!!!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Trans Union is ignoring my numerous requests to investigate, verify and remove accounts from my credit file that do not belong to me.

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 07/24/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (MS).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I checked my credit on my XXXX XXXX account and found a new debt on there from XXXX.I have XXXX XXXX internet service now and have never missed a payment.I cancelled tv service a few months ago and returned all equipment in boxes they provided.I have never been contacted by XXXX about this claim by mail, phone, or other.I have been at current residence for 3 years and my XXXX account has always been set up for monthly bank draft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief