milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/25/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (PA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I 'm constantly hit with late fees on my Toys  R us Store card.  The latest being  XXXX . In  XXXX  I was hit with a {$35.00} late fee so I signed up for automatic draft from my bank. The site told me to continue making payments until I receive notice that it went through. So  XXXX  I ma de 2 payments 1 using  an outside banking app and the second on the company website. I used the same saved bank info that I used for the recurring payments so nothing was changed. The payments went through with no problems. In  XXXX  I made a payment on the outside app. So in  XXXX  the recurring draft went through and the money was removed from my account. Now I 'm told my payment did n't go through and I 'm charged a {$35.00} late fee.

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 01/21/2016 about Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My name is XXXX XXXX. In 2010, my wife, XXXX XXXX and I had to file for Bankruptcy due to a job loss. My wife passed away last year and I am trying to sell the home. I am having trouble getting Wells Fargo to issue a payoff demand. I am in Escrow and the buyer is threatening to cancel because we have been waiting 2 weeks to get this information. 
Please help me to get this payoff amount asap. My SSN is XXXX. 
Attached is the Bankruptcy paperwork and Deed of Trust. Thank you!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2017 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (NC).
Issue: Loan modification,collection,foreclosure

Complaint: Treatment by my mortgage company ( Seterus ), SPOC document issue, Unknown fee on a payoff.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I can not print and view my full credit report online. There is also a name XXXX XXXX XXXX. Which is not mine. This person had stolen my identy a couple of years ago and her name was supposed to be removed from my credit report and it 's still showing on my credit report. Please remove her name and I the collection companies I.c and remex has been paid in full. This should have been moved from my credit report years ago. I wish to have this resolved ASAP as a I am looking for proper housing and need good credit. Please contact me at XXXX. My full name is XXXX XXXX XXXX. Your immediate attention be greatly appreciated. 


P.S. this identity theft person XXXX XXXX XXXX committed this crime twice and went to court twice. 
Thank you 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 08-01-2016 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I am currently behind in my mortgage payments with Caliber Home Loans and need help. I have provided all documents they requested to be considered for a loan modification and they are telling me I am in review. They also said I have a foreclosure sale scheduled on XX/XX/2016 and there is no way to tell if it will be postponed. I am reaching out for any assistance you can provide in getting the sale date postponed. Your assistance is greatly appreciated, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IN).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Wrong address on credit report. I have never lived in XXXX XXXX, KY.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Account opening, closing, or management

Complaint: I opened a account with bank of america over 8 years ago and at the time was told that i will not have any maintenance fees on my account, than in XXXX they started charging a {$12.00} maintenance fee without warning or being told that at all. when i contacted them they said it is because i did not fill the waiver requirements, which i never have, not before XXXX either.

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 10/24/2015 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: The credit bureau did not actually investigate the results, they only ask the data furnisher to check their records and most companies are unwilling to correct negative information even if its their mistake. My credit score has dropped about XXXX points due to this. I want to see what paperwork the credit bureau investigation consisted of. It is not fair for a credit bureau to do an incomplete investigation, credit is very important these days and just asking a company to correct their records is unacceptable. I need to buy a car and ca n't get a good rate due to XXXX lying. XXXX has sold my loan as an investment vehicle and they do not have an idea where my loan is located, which is required for any company to collect on this debt. Did the credit bureau actually look at any paperwork to see if XXXX can locate my own, I want actually proof of what the credit bureau looked at when they did their investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 03-12-2018 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (MI).
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint: I made a complaint to the CFPB already in regards to this account, however XXXX in the " Office of the President '' left messages with a phone number that we could not reach back to speak with her. Only after calling Best Buy and them sending a message did she actually call. Their process is designed to frustrate and dissuade the consumer from taking action. Her advice was to call the collections department, as she could do nothing. 

Someone who works in the office of the President at CitiBank has the ability to print money, and they can certainly fix this issue. When it was presented to me at the store, it was said to be Joint borrowers, it was also shown on the account as a Joint account so her assertion that he was merely an authorized user at best is false. 

Also they did not let me know there was account issue in the time frame ofXX/XX/XXXX until XX/XX/XXXX when applying for another loan. 

There is a pattern of this treatment of customers on their web fourms, complaints on the CFPB and in Lawsuits already on the records.

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 10-09-2015 about Credit reporting () with AMERICAN EXPRESS COMPANY (WA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by AMEX on or about XX/XX/XXXX on XXXX. I did not authorized anyone employed by this company to make any inquiry and view my credit report. AMEX has violated the Fair Credit Reporting Act Section XXXX ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: They basically told me that the hard inquiries need to be removed from creditors that they authorized them i explained that i never requested the hard inquiries or credit pulls from those dates mentioned but they stated that they will eventually after a year or so will be removed on there own and i wish to have all the hard inquiries from the time period of XXXX XXXX 2017 until XXXX XXXX 2017 removed ASAP from Transunion, XXXX, and XXXX Thanks

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 05-05-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: In   XX/XX/XXXX , I  graduated from  XXXX  Universit y 's     XXXX   XXXX   XXXX   XXXX   I took out federal   XXXX   loans in an amount totaling roughly {$7 8000.00}. Beginning   XX/XX/XXXX ,  I started making income-based repayments. My loan was transferred to Navient. I have been making payments since then. My estimate i s 58 payments to date. However, Navient has only calculated 17 qualifying payments, and apparently only 10 on  XXXX  loan. This is a different of at least 41  payments.      I have also documented call times and who I 've spoken with at different stages in the process. Each step along the way, I would confirm my goal of PSLF, and continuously I was assured that a forbearance they recommended ( while locating paperwork they had lost, for example ) would not affect my qualifying payments. I was routinely given alternative facts and my account was mishandled. And 5 years into nonprofit work and making monthly payments, my student loan amount has only increased and my account only shows one and a half years of qualifying payments.     I 've done my best to record conversations after my account was continuously transferred to new loan servicers. Currently, I am told by   XXXX   XXXX   that I need to follow up with  Navient about disputing qualifying payments. But Navient  says they 're no longer my loan provider and is unavailable. Also, their number  XXXX  is not connecting today ,  XX/XX/XXXX  Please  advise. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2016 about Credit card () with BARCLAYS BANK DELAWARE (NY).
Issue: Billing disputes

Complaint: I had disputed a XX/XX/XXXX merchant charge with Barclay 's. It was removed XX/XX/XXXX. They then added back the unauthorized charge to my balance XX/XX/XXXX causing my limit of {$4000.00} to soar to over {$7000.00}. They then closed my card without notification or offering me new terms ( Credit Card Act of XX/XX/XXXX ), and have inflated the amount owed with criminal added fees. To compound this insult, Barclays is misreporting every month as late - 30,60,90,120,150 days late. YET every date they reported late - I PAID. They have been ACH drafting monthly payments from my account. How can I be late on a date they are autopaying from my account? Not only are they misreporting ; the entire file is wrong. They show me as late, AND they show the amount I paid. How can I have no balance XX/XX/XXXX, but pay double the amount due in XX/XX/XXXX ( autopay ) and be late? They even drafted from the wrong account several times that caused me enormous overdraft fees. I have had every excuse imaginable to not rectify the situation. I had pristine payment history before they added it XX/XX/XXXX. As of XX/XX/XXXX I am still being marked late. 

I am now in an impossible situation. Their refusal to rectify the situation has caused irreparable damage to my credit and my livelihood. I lost a XXXX real estate deal because I could not qualify for the loan. They are monthly misreporting non payment from XX/XX/XXXX making that XXXX late payments. AND to add insult to injury ; they are reporting the {$7000.00} 'debt ', and have removed it from my total credit limit. The worst case scenario possible. Credit Debt {$14000.00} Total Credit {$7600.00}. They are essentially holding me hostage with a credit usage at XXXX %! I will never be able to have my XXXX score again. It will FOREVER be at XXXX unless I pay them this erroneous amount most of which is interest and fees. They 've updated the credit bureaus as dispute resoled, but as you can see there has been none. Barclays is ruining my life.

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 11/27/2017 about Payday loan, title loan, or personal loan (Payday loan) with SOUTHERN MANAGEMENT CORP. (TX).
Issue: Can't contact lender or servicer

Complaint: I received a payday signature loan from XXXX XXXX. I became behind by a month and a half and they sent someone to my home in their personal car carrying documents containing my personal identifiable infirmation ( Ssn, birthdate, loan amount and etc ). The young lady that arrived at my house called her supervisor whom I spoke to over the cell phone. I expressed my disapproval of some traveling around with my personal identifiable information in their car and for them coming to my home. They could have mailed me delinquency notice the same way the mail me a notice of payment when I make them. The supervisor referered to the home visit as a courtesy visit. What is courtesy about it? It is a form of harassment and embarrassment. I do believe this is unethical and maybe even illigal. I could contacted the parent company which is Southern Management, but did not get a call back. I contacted the TX AG office and filed a complaint. I think this company need to be investigated because they should not have an office employee carrying around documents containing my personal information. It was late in the evening and I asked the employee if she would be returning back to the office with the documents and she said no, she would proceed to her residence after leaving my home. So that means she took my personal identifiab information that could be used for identify theft to her house.

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 02-09-2017 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (TX).
Issue: Incorrect/missing disclosures or info

Complaint: I signed up for and verified my account with Venmo XX/XX/XXXX. On XX/XX/XXXX, I referred my landlord to the service and paid rent to them. The money immediately left my account but was not delivered to my landlord. I requested they call me, they refuse to call me. They refuse to return my money. They refuse to pay my landlord. I have asked for a timeline for when the " investigation '' will be completed. They a unable to provide this information. They user agreement indicates investigations will be resolved in 10 days. I have been told directly they will take as much time as they feel like to resolve the issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/30/2017 about Debt collection (Medical debt) with Radius Global Solutions LLC (NC).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: In XX/XX/XXXX, I began reviewing my credit report and have been attempting to find out what some negative items on my credit report are. I sent a letter to the credit bureaus in XX/XX/XXXX asking for their assistance in verifying those items. Some items were addressed, some were not. I sent a second round about a month later, again some items were addressed and some were not. I sent the attached letter directly to a company by the name of XXXX XXXX XXXX. I believe in response to this letter - XXXX XXXX XXXX sent me the attached letter deleting my file and to my understanding deleting this from my credit report. Now, I have received this letter from Central Credit Services. Referencing that they have been asked by XXXX XXXX XXXX to investigate a debt - and WITHOUT PROVIDING ME EVIDENCE THAT THIS IS MINE are attempting to coordinate a payment plan. I have several account numbers that I 'm looking at and everything is getting confusing. NEITHER creditor is validating that these items are mine. The dates do n't make sense. The locations do n't make sense. I have always had health insurance. I have NO IDEA what this is and quite frankly i am sick and tired of asking. It appears as though this account is being bounced around from creditor to creditor. Regardless- i need clarification on ANY & ALL ACCOUNTS that either one of these creditors " say '' belong to me. I am asking for proof as constituted by the law ... which means something bearing my signature, or a contract in my name. This is a waste of my time, energy and money.

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 11/13/2015 about Consumer Loan (Vehicle loan) with BMW Financial Services NA, LLC (WA).
Issue: Managing the loan or lease

Complaint: Received a collection call from the company who has the loan. It is a vehicle loan. The collector said that they would take my home and that the dealership made the first payment, if so there is no issue. Total lies.

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 EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Yes, I am a victim of a mistake by XXXX XXXX XXXX XXXX. They made a mistake on my case by explaining how their arrears dates work. I was under the clear impression that I was only one month behind on Child Support because I made my payment on XX/XX/2018. However, it was never explained to me that if the payment does not get into their system by the first of the month, it automatically goes into arrears! 
It takes my XXXX XXXX autopay about 4-5 days to go through their system. They went ahead rudely and illegally submitted my case to collections which hit my credit report- lowering it and causing a huge problem now with getting the collection off. I immediately called them and put thebalance on my credit card and paid them up in full but now I have a mistake on my credit report! I need help with this.

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2017 about Credit reporting () with Experian Information Solutions Inc. (CT).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Experian refuses to remove inaccurate information from my report and they refuse to give me names of who investigated and how they did such investigations. They refuse to send me signed contracts and documents they have on file for me. I 've asked for this information multiple times. I have no knowledge or contracts with any of the said accounts : XXXX, XXXX, XXXX, XXXX, and XXXX. They are reporting XXXX amounts XXXX on my report

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 09-03-2015 about Credit reporting () with EQUIFAX, INC. (AZ).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: The Annual Credit Report site works well, Equifax always has a problem it seems. 

I did XXXX and XXXX, worked perfect. Equifax always wants you to spend money with them before they will give up the report, so they just make it hard. I can see the information from XXXX, attached screen and all I was going to do is add my employer. They ask really stupid " identity '' questions, I know I have answered all them correctly and even consulted XXXX and XXXX reports to cross reference their questions. There database is incorrect and then they want me to mail them a bunch of things, which they know I wo n't. If there database is such a mess, why not have a selection " We are having trouble identifying you and will mail a copy to your address on file '' Attached is screen shot of XXXX XXXX, both reflecting access to Equifax, then no employer reported. Hey Maybe you could get the to correct it since they do n't do their job. I have been at XXXX XXXX XXXX to present, XXXX also attached the screen shots from Equifax identity questions and then all the hoops they want me to jump through to fix their database.Please ask them to send me a copy of the address on file since XX/XX/XXXX, I would appreciate that

Company response to consumer: Closed with non-monetary relief