milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/16/2015 about Credit card () with SYNCHRONY FINANCIAL (TN).
Issue: Billing statement

Complaint: I opened a credit card with Care Credit and have been having issues since I opened this acct. My payments are supposed to be fixed of {$160.00} a month and every since opening this open they have increased my payments. The doctor office has notified the companycompany about the fixed payments with them having issues also. They have horriblecustomer service and is Extremely Rude. They increased my payments withouteven contacting me and refuse to explain about the increase. Every time I callI get told different stories or hungup on. They refuse to give corp office number oror contact information. This company needs to be closed down.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Payday loan, title loan, or personal loan (Installment loan) with Big Picture Loans, LLC (FL).
Issue: Charged fees or interest you didn't expect

Complaint: I applied for a loan of {$870.00} around XXXX 2017! I printed out a copy of the Loan Payment Schedule ... ..so that I would have a record of how much would be due, when each payment was due, how much was going to interest, how much was going to principal, and what my payoff would possibly be if I wanted to pay the loan off early.
I called after the first payment just to see what my payoff would be ( now remember I only borrowed {$870.00} ) at this point my payoff was almost double what I borrowed.
I called after my 2nd payment ... ..again the payoff was still almost doubled what I had borrowed.
Each time I called they could n't really explain in a clear manner what was going on, why the figures were so different, why they were getting much more than I had borrowed and why nothing they said was matching up with the Loan Payment Schedule that I had in my hand!
The reps put me on hold, I asked for supervisors ... ..the supervisors put me on hold, no one could give a clear definitive answer on how I would be able to pay this Loan off closer to the amount I had actually borrowed!!!
They constantly referred me back to the tiny print of the Loan agreement, they reminded me that the Loan accrued interest daily, which By The Way was over 500 % DAILY!!!!!!
I feel these people/this company are grossly unfair, customer service is almost non-existent, information about their loans are misleading, the numbers do not add up, the fees and payments seem to change daily, and you are not able to pay their Loans off anywhere near the amount that you actually borrow!!!!!! Also I found out that they ( this company ) is a federally recognized XXXX XXXX Tribe, but their businesses are not regulated by the Federal Government!!!! All I want is to be able to pay this Loan back close to the amount that I borrowed ... ..and not have to pay ridiculous exorbitant fees and interest! This Is Totally Unfair ... ... ... Right now as of XX/XX/2017 I have made 2 payments of {$370.00} of the {$870.00} My next payment of {$370.00} is due on XX/XX/XXXX ... ..I will have paid {$1100.00}! The Loan Payment Schedule has me set to make ( 6 ) payments to BPL ... .I will not need 6 payments to pay them back {$870.00}!!!! *Again my next payment of {$370.00} is due on X/XX/17, the ending amount at that time will be $ {$540.00}, which also shows that the beginning balance for XXXX 2017 will be {$540.00} ... ..I want to send them {$540.00} before XX/XX/XXXX and be done with BPL!! !! I JUST WANT BPL TO BE FAIR AND EQUITABLE WHEN THEY MAKE LOANS TO THE PUBLIC!!!! RIGHT NOW THEY ARE HORRIBLE!!!!! I would never advise " ANYONE '' to do business with BIG PICTURE LOANS

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2016 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Settlement process and costs

Complaint: Dear Sir or Ma'am : Please know that I am the executor of my mother 's will. Both my parents passed away within one and half years of each other. The house that my parents owned for almost 50 years was sold XX/XX/XXXX. Or so we thought. During the sale of the house, we were notified of a lien on the property that was never released. The lien is recorded in the XXXX County Registry of Deeds website under guarantee of XXXX XXXX XXXX XXXX. The release of the lean was never recorded. 
The lien is from XXXX XXXX XXXX XXXX, listed under XXXX XXXX XXXX, Document # XXXX, Book XXXX recorded on XXXX/XXXX/XXXX in XXXX County Registry of Deeds in Massachusetts. The lien is for XXXX XXXX XXXX in XXXX, Massachusetts. According to the information obtained on the Registry of Deeds, the lien is as a result of a home equity line of credit established in XX/XX/XXXX. A Home equity line of credit usually extends for a particular period of time until it expires. Please also note that there is no request for funds owed on a Mortgage of any kind for either my father or my mother. Please see page attached page from the XXXX County of Deeds website. 
Subsequently, XXXX XXXX was acquired by Bank of America. Bank of America was notified by our attorney XX/XX/XXXX, XXXX number XXXX of the non-release of the lien. As of today, XXXX/XXXX/XXXX Bank of America has not resolved the lien issue which is causing the buyer and myself unnecessary attorney fees. 
I would like to see a quick resolution to the inquiry. The lien should be released and recorded in order for the sale of the house. If the resolution continues then I would even like to see any expenses incurred for this delay refunded to the buyer and seller of the house due to the non-action of Bank of America. 
If you would like additional information you can telephone me at XXXX. 
Sincerely, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/28/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Our home ( primary residence ), as a result of 2008 crisis, was sold at a Short Sale. The home is located in Arizona, an anti-deficiency state. More than 2 years has elapsed and our credit is now reasonable ( XXXX ) per credit karma but each of the XXXX reporting agencies show the mortgage debt which was with XXXX XXXX Bank as " Settled for less than full balance ''. My understanding is that applicable law in anti-deficiency jurisdictions is that the language under these circumstances should be ( Paid as agreed } and while I have exhausted every complaint and supervisory board request involved with XXXX XXXX, XXXX, TransUnion and XXXX, none has agreed to alter the statement concerning my short sale to Paid as Agreed. it is my understanding that since a borrower is not personally liable for a loan such as this, it is inaccurate for the lender or the credit reporting agencies to report the short sale as anything other than " paid as agreed ''. The XXXX XXXX loan was # XXXX with a physical address of XXXX, Arizona XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (NC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They keep calling about a debt collection, I do n't know nothing about. They call about 7 times a day and after  XXXX    XXXX   XXXX   XXXX   and using other numbers. The company name is  Portfolio Recovery.

Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: On XXXX/XXXX/XXXX I filed a complaint with CFB case # XXXX in regards to Equifax multiple discrepancies of their reporting of XXXX Account on my credit report. On XXXX/XXXX/XXXX Equifax submitted their resolution to CFB and myself of the action they had taken in regards to these discrepancies : " Company responded Equifax said : Explanation of closure Equifax has reviewed the complaint and it 's records. The prior paying history for XXXX accounts XXXX and XXXX has been removed from the credit file. Written confirmation has been sent to you. Please allow 7-10 business days for delivery. If you should have any additional questions or concerns in regards to your Equifax Credit Report, please contact us directly at ( XXXX ) XXXX. 
Relief The prior paying history for XXXX accounts XXXX and XXXX has been removed from the credit file. '' Well on XXXX/XXXX/XXXX Equifax undid their relief and reinserted the payment history nor was I informed of them doing such. I did not receive any type of notification from Equifax about this reinsertion within 5 business days or any days. Had I not checked my credit score via XXXX XXXX I would have never known. Equifax has been reeking undue havoc on my life with their improper reporting of my credit file. When I called Equifax about this matter all they do is read you a script and does not try to do anything to fix their mistakes. I have since sought out legal advice and will be moving forward in that direction. It appears Equifax is only satisfied when they are being sued and at this point they try to do right by the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-04-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I was set up to receive my XXXX statement online. I did not receive my statement ( second time this had happened ) one month. When I received my statement the next month and saw a past due I immediately called and was told if I paid the balance due over the phone ( approximately {$30.00} ) I would have a XXXX balance, so I did this. 
The next month I received another e-mail from XXXX and believing what the representative had told me the previous month ( XXXX balance ) I did n't bother to open the e-mail. When I received another e-mail the following month I opened it, called and got into an argument with the representative, paid additional monies ( service charges ) and asked that the account be closed. 
Recently a banker told me that XXXX jumped me straight to 90 days and that I should dispute this. I have a flawless credit score except for this one charge.

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 12/29/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (WI).
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint: Rec letter fr Midland Credit re : XXXX saying I had a balance of {$700.00} in a debt collection acct that could be settled for {$420.00} if I paid now. According to a call I made to, XXXX XXXX XXXX XXXX this was for a 2008 acct. MCM acct XXXX. Orig acct XXXX. 
I 'm do not owe this. I currently have XXXX accts with XXXX that are current, I have contacted my local XXXX store, but not much help. This may be a scam. Please, I need some help.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Debt collection (Other debt) with ProCollect, Inc (MS).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: On XXXXXX/XX/XXXX, XXXX XXXX file a judgment against me at the XXXX XXXX XXXX. The court date was scheduled for XX/XX/XXXX. I went to court and a judgment was established. I was ordered to pay XXXX. On XX/XX/XXXX, I went to the apartment complex formerly known as XXXX XXXX. XXXX XXXX is now under new management and is called The XXXX XXXX. Not being aware of how to resolve and settle the debt, I went to the XXXX Municipal Court Clerk. I was advised the payment will have to be submitted to the original debtor before the judgment could be considered satisfied. I went to The XXXX XXXX ( formerly known as XXXX XXXX ) on XX/XX/XXXX. I tried to pay with a check so I could have a record. However, the representative stated they would only accept cash. I went to the bank to withdraw the funds ( {$760.00} ). The funds were then taken to The XXXX XXXX office. The representative printed out a judgment satisfied form and stated I would have to take the receipt back to the XXXX Municipal Court. A year later ( XX/XX/XXXX ),  ProCollect Inc was still reporting a balance the credit bureaus ( XXXX, XXXX, and XXXX ). I contacted ProCollect Inc by phone on XX/XX/XXXX. The ProCollect representative stated I would have to email the receipt to them. I emailed the receipt to XXXX. I called back to make sure the information was received. The representative stated the receipt was received. However, the receipt must state the account balance is {$0.00}. On XX/XX/XXXX, I went back to The XXXX XXXX ( formerly known as XXXX XXXX ) to get another receipt stating the balance is {$0.00} and the judgment was satisfied. I submitted both receipts ( via email ) to XXXX. On XX/XX/XXXX, I called ProCollect back to ensure they received both receipts. However, I was unable to speak with a representative. A week later, I received a letter in the mail stating the balance is {$670.00} and collection attempts will be made. At this point, I am frustrated with ProCollect Inc and start seeking paid debt information. I was informed I should file a complaint with the Federal Trade Commission.

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 12-08-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Cable service was established in XXXX, Pa. using my mother 's I.D ... We have never lived in Pa. We are just now discovering this matter. We received a debt collection notice from a collection agency on behalf of the cable provider. This is truly a case of I.D . fraud.

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 09-03-2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (MA).
Issue: Loan servicing, payments, escrow account

Complaint: I applied for my mortgage loan with a local agency called XXXX XXXX out of XXXX Massachusetts. A couple of months later the mortgage was sold to Wells Fargo. The initial mortgage was {$620.00} a month. Wells Fargo " readjusted '' the mortgage by saying we were overpaying and dropped the monthly payment to {$580.00}, I asked them if this was true and wanted to make sure it was accurate and no one would tell me why the mortgage was re-evaluated. Then about a year later I received a letter that my mortgage was increasing from {$580.00} a month to {$870.00} a month! I never would have purchased a house for {$870.00} a month because that is about half of my monthly income, and I know my finances well enough to know I ca n't afford that! I have been fighting with Wells Fargo to re-evaluate my mortgage payment and to explain the reason for the increase. I do no have a variable rate, either. At this point they are talking about foreclosure despite paying {$600.00} a month instead of the {$580.00}. I have asked them to run a report to explain why the increase and have received nothing. I have spoken with my town and the treasurer/tax collector said that city taxes run from XX/XX/XXXX to XX/XX/XXXX and Wells Fargo is calculating taxes on a calendar year from XX/XX/XXXX-XX/XX/XXXX which actually is taking into account two calendar years. I have been dealing with them since XXXX of 2014 and at this point am ready to try to hire a lawyer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: I HAVE HAD STUDENT LOANS SINCE XXXX BUT IT WAS WITH XXXX XXXX AND SINCE IT CONVERTED WITH NAVIENT IT HAS BEEN A NIGHTMARE.FIRST IM GETTING CHARGED WITH LATE PAYMENTS WHEN I WAS IN SCHOOL AND SHOULD OF HAD IN SCHOOL DEFERMENT, ALSO I HAD OTHER STUDENT LOANS OUT WITH ANOTHER LENDER, BUT IT SEEMS AS NAVIENT HAS THERE OWN PREPARATORY FEES, RIDICULOUS INTEREST MORE THAN WHAT THE GOVERNMENT IS CHARGING. I DID N'T BELIEVE I OWE THE AMOUNT THAT THEY ARE SAYING, ALSO EVERY MONTH MY BILL GOES UP XXXX XXXX A MONTH AND IM ON INCOME BASED REPAYMENT PLAN OF {$0.00}. THIS COMPANY IS VERY MISLEADING IN PAYMENT OPTIONS AND INTEREST RATE AND UNETHICAL PRACTICES. THIS COMPANY REPRESENTATIVES ARE RUDE AND NOT IN THE BEST INTEREST OF THE CONSUMER JUST TRYING TO GET A PAYMENT.I HAVE TRIED TO SWITCH LENDERS AND I CANT, BUT I DID N'T ASK FOR THIS LENDER EITHER FEEL LIKE MY CONSTITUTIONAL RIGHTS ARE BEING VIOLATED AND POSSIBLY SEEKING THE ADVICE OF AN ATTORNEY ABOUT THIS MATTER. PLEASE HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Account with with insufficient funds is reported as fraud.

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 05/23/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (CA).
Issue: Account opening, closing, or management

Complaint: XX/XX/XXXX, I opened a Citibank CitiGold checking account with a bonus offer attached. The bonus offered XXXX XXXX XXXX AAdvantage miles for scheduling two bill payments in consecutive months and spending {$1000.00} with my debit card. 

After I had met the requirements, I confirmed with Citibank via Secure Message and received confirmation on XXXX XXXX, XXXX that I had completed them. 

" After further review of your account, I can confirm you have completed the requirements for the XXXX XXXX miles promotion offer. The promotion states that you will receive the points within 90 days from the end of the statement cycle in which you completed the requirements. You completed the requirements XX/XX/XXXX and the 90 days will begin on XXXX/XXXX/XXXX. You can receive the miles no later than XXXX XXXX. If you do not receive the points, please contact Citibank and we will submit an investigation to the missing miles on your behalf. '' In XX/XX/XXXX, I double checked when I would receive the bonus by, and XXXX replied that I would receive the miles no later than XXXX XXXX, XXXX. 
" Please make a note of your promotion code : XXXX. I confirmed you completed the {$1000.00} Debit Card Spending and bill payment requirements in your XX/XX/XXXX cycle period to earn XXXX XXXX Miles. According to the promotion terms the bonus points will post 90 days from the end of the statement period when the requirements were met. Please allow time for the points to post by XXXX/XXXX/XXXX. '' On XXXX XXXX, XXXX, I did not receive the bonus points as promised. 

I sent further secure messages to inquire about why the points did not post, and Citibank claimed they had to investigate whether or not I was eligible for the account. 

On XXXX XXXX, I received a signed letter from XXXX XXXX from Citibank, stating that I was indeed eligible for the bonus, and that I should receive them within XXXX days. Today is XXXX XXXX, XXXX days past the deadline for receiving my original bonus of XXXX AAdvantage miles, and past the additional XXXX days given from the investigation. 

Even though I have been assured by Citi that I met all requirements to receive my bonus, the bank is now delaying to honor their end of the agreement.

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 05-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I normally monitor my credit through   XXXX   XXXX  ,   XXXX   XXXX   XXXX   and now   XXXX   XXXX  . I noticed that there was a social security, address, na me ( s ) linked to my credit that were not mines. After speaking directly to the credit reporting agencies they removed the social along with the address. However,   XXXX   of the names remained on my credit. The agency explained that they were unable to remove the name because it was linked to a account and I will need to contact them directly. After contacting one of the companies I brought up my complaint and their response was " the account is to old to do anything and it should come off soon anyways '' but like I explained its showing as a bad report. Plus the card was closed and re-opend under a different name. She stated there was nothing they can do about it! And to this day I still have   XXXX   different names linked to my credit report under personal information incorrectly! The only thing that changed was my maiden name! In my credit report and apparently linked to my account ( s ) And also I am unable to pull my credit report directly from Equifax because its unable to verify my identity. Please I need someone to fix my problem. I already filled a complaint for the credit card agency. But I was this problem resolved on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Transunion customer service has fail to remove the below unauthorized inquiries that are reporting on my Transunion Credit report, and I would like to file a complaint against Transunion to immediately remove these inquiries. XXXX XXXX Date Filed XX/XX/XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX  Date Filed XX/XX/XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX Date Filed XX/XX/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