milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/26/2015 about Credit card () with SYNCHRONY FINANCIAL (MD).
Issue: Unsolicited issuance of credit card

Complaint: Yesterday, I went shopping at Gap store. When I checked out, the cashier asked me if I would like to receive an extra XXXX % off. I said yes and she asked me to type my birth date, SSN and annual income. I handed in my state ID and my XXXX credit card to her, and later she told me it 's done. After I received my receipt, I realized that I paid with another card ( gap card ). What a XXXX!? I did n't even know it is a card, even a credit card. How can she do that? Is it like a fraud? I did n't even have that card in hand ( which was not issued yet ) and activate it. 

After this, I did some researches online and I realized that this has already affect my credit score. I am a foreigner and I do n't know much about credit card things yet. I felt that was totally a lie/fraud to me. Now I just want to 1. pay the full bill. 2. Cancel the card without affecting my credit score. 

Thank you very much and hopefully hear from you soon.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I had seen my credit report and I see that they are multiple inquiries from XXXX and XXXX that I do not recognize and do n't believe making so I would like them removed.

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 Mortgage (Home equity loan or line of credit (HELOC)) with BB&T CORPORATION (PA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: My husband and I are refinancing our existing mortgage with XXXX XXXX XXXX, currently our mortgage is with XXXX XXXX. We also have a home equity line of credit with BB & T bank. We want to maintain our BB & T equity loan. XXXX XXXX has contacted BB & T several times to make arrangements for the change of the new mortgage and has repeatedly been told that they do not have a department to take care of that service. We are senior citizens and my husband has repeatedly called BB & T and been given the names of people to take care of the situation and when XXXX XXXX then contacts that individual they are told that they do n't handle that. At this point in time it has become very stressful because it will delay settlement.

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 06/29/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (NC).
Issue: Loan servicing, payments, escrow account

Complaint: I am attempting to pay off my mortgage by transferring my escrow balance to my mortgage balance. Calls to customer service result in very extended hold times. I have averaged at least an XXXX on hold with them each time I call. The different departments do n't talk to each other and are obviously not cross trained or even trained at all. I have been trying to pay this loan off for going on XXXX weeks now and no one can even tell me why it has not already happened. One dept transfers you to another instead of trying to fix your problem. Absolute worst customer service ever. Now they are trying to add on late fees and fax fees as well as doing collections calls. And the entire balance of my loan is sitting in escrow waiting to pay the balance off.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2018 about Payday loan, title loan, or personal loan (Installment loan) with SECURITY FINANCE CORP (WI).
Issue: Problem when making payments

Complaint: Due to financial hardships, I took out a loan in XX/XX/XXXX for {$300.00} with {$150.00} added on for interest. So in XX/XX/XXXX, my balance was {$450.00} and I had health issues and was unable to make my first payment that was due XX/XX/XXXX. Despite my defaulting on the loan, Security Finance continued to add interest and late fees ; even though they were well aware that I was in the hospital. I was unaware of how much interest or the late fees until I made a {$50.00} payment ; which brought my supposed balance down to {$390.00}. I called Security Finance and spoke to XXXX and XXXX ; I was told by both that my entire payment of {$50.00} went to interest ( XXXX ) and late fee ( XXXX ). None of my payment went towards the actual loan. Furthermore, they call my phone 3 to 4 times a day, 6 days a week. They are overly aggressive and refuse to work with me.

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Debt collection (Medical debt) with PNC Bank N.A. (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: There was an amount showing up as unpaid that the company agreed was paid last year and per our agreed upon monthly amounts. They could not see why / how it got reported as an issue and were contacting the Bureau immediately for resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2017 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (AZ).
Issue: Credit decision / Underwriting

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Ditech XXXX XXXX XXXX, XXXX XXXX Dear Sir or Madam : I am writing to dispute the following information in my file. I never made a late payment on XXXX, I never paid a late fees. 
On XXXX XXXX the payment of my house went up. I sent my payment for {$1600.00} this payment was short for {$120.00}, instead for {$1800.00} I am requesting that the LATE PAYMENT be removed from XXXX and XXXX credit report. 
Enclosed is a copy of payment record from my bank, supporting my position. 
Please reinvestigate this matter and delete or correct the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX Enclosures : Payment records from XXXX XXXX. 
My Payments Print Date Range Is XXXX XXXX, XXXX - XXXX XXXX, XXXX Change Total : {$28000.00} Send Paid to Amou On nt Status/ Paid Type Cate Conf. # from XXXX XXXX XXXX DITECH XXXX XXXX DITECH XXXX XXXX DITECH XXXX XXXX DITECH XXXX XXXX DITECH XXXX XXXX DITECH XXXX XXXX DITECH XXXX XXXX DITECH XXXX XXXX DITECH XXXX XXXX DITECH XXXX {$1800.00}. Complete XXXX {$1800.00}. Canceled XXXX {$1800.00}. Complete XXXX {$1800.00}. Canceled XXXX {$120.00} Complete XXXX {$1600.00}. Complete XXXX {$1600.00}. Complete XXXX {$1600.00}. Complete XXXX XXXX XXXX {$1600.00}. Complete XXXX XXXX XXXX {$1600.00}. Complete XXXX XXXX XXXX {$1500.00}. Complete XXXX XXXX XXXX XXXX XXXX None XXXX XXXX XXXX XXXX None XXXX XXXX XXXX XXXX None XXXX XXXX XXXX XXXX None XXXX XXXX XXXX XXXX None XXXX XXXX XXXX XXXX None XXXX XXXX XXXX XXXX None XXXX XXXX XXXX XXXX None XXXX XXXX XXXX XXXX None XXXX XXXX XXXX XXXX None XXXX XXXX DITECH None XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DITECH XXXX XXXX DITECH XXXX XXXX DITECH XXXX XXXX DITECH XXXX XXXX DITECH XXXX XXXX DITECH XXXX XXXX DITECH XXXX DITECH XXXX XXXX DITECH XXXX XXXX XXXX DITECH XXXX {$1600.00} . Complete XXXX XXXX XXXX {$1600.00}. Complete XXXX XXXX XXXX {$1500.00}. Complete XXXX XXXX XXXX {$1500.00}. Cleared XXXX XXXX XXXX {$1500.00}. Cleared XXXX XXXX Z {$1500.00}. Complete XXXX XXXX XXXX {$1600.00}. Canceled XXXX XXXX XXXX {$1500.00}. Complete XXXX XXXX {$1500.00}. Canceled XXXX XXXX {$1600.00}. Canceled XXXX XXXX XXXX XXXX XXXX XXXX XXXX None XXXX XXXX XXXX XXXX None XXXX XXXX XXXX XXXX None XXXX None XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX None XXXX None XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX None

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2016 about Bank account or service (Checking account) with NAVY FEDERAL CREDIT UNION (CO).
Issue: Deposits and withdrawals

Complaint: I had a successful Navy Federal Credit Union account from XXXX to XXXX. Unfortunately I fell victim, and prey to identity theft, which my accounts closed, inactive, dormant. My line of credit was terminated and moved to consumer loans in the amount of XXXX, and my credit card maxed out to XXXX as a charge off. Due to this mishap, and veteran identity was compromised from my access # XXXX the only remaining account is my savings where I can deposit money in the account only with no access to other accounts. 
A representative made contact with NFCU Security where I have a level XXXX on my so called delinquent accounts since XXXX/XXXX/XXXX. Navy Federal Credit Union sold my accounts to XXXX XXXX, and also to XXXX XXXX. I think I disputed these companies in the past with no such luck until I came across CFPB.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Conn's, Inc. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: First XXXX and my last name not right on my credit report hard inquiries not matching

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: XXXX XXXX XXXX, XXXX inaccurately furnished information to collecting agencies regarding an alleged debt owned by them, when this was in fact misleading and inaccurate and known to be misleading and inaccurate. 

I requested a validation of the alleged debt XXXX XXXX XXXX claimed is owed but never received such validation. 

1. I have attempted to contact XXXX / Experian multiple times for them to rectify this mistake but none have done so. 

2. I believe that their conduct violated the RFDCPA and FDCPA in multiple ways, including but not limited to:3. I have contacted Experian via certified mail and they have done nothing at all and continue to report this collections item on my credit report. 




The credit report provided by experian have been and continue to be disseminated to various persons and credit grantors, both known and unknown. 

XXXX And Experian damaged, and continues to be damaged, in the following ways : a. Denial of credit by at least one lender ; b. Emotional distress and mental anguish associated with having incorrect derogatory personal information transmitted about Plaintiff to other people both known and unknown ; andc. Decreased credit score which may result in inability to obtain credit on future attempts.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-06-2016 about Credit card () with SYNCHRONY FINANCIAL (PA).
Issue: Late fee

Complaint: my daughter had XXXX on XX/XX/2016. i put the {$1500.00} on carecredit with synchrony bank. the terms were no interest if paid within six months. i set up my bank account bill payer to pay {$250.00} on the first of each month starting XX/XX/2016. i have just received a bill for 5 late payments and interest on the entire amount for {$300.00}. they said i paid outside of the billing cycle and that every payment was late, not early, my billing cycle is the XXXX through the XXXX of each month. so because i was paying on the first, every payment was late, according to them, in my eyes it looks early but they said they can not accept early payments. so they said my initial payment was to just reduce my balance ( is n't that what all payments are for? ), and my second payment should have been paid between the XXXX and the XXXX. i think this is a very unfair practice. i paid the entire amount within the six month promo period and am still being charged {$300.00}, is there anything that can be done??

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 08/20/2015 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Billing disputes

Complaint: On my XXXX XXXX gas credit card statement dated XXXX/XXXX/2015 I noticed a fraudulent charge on the account. The fraud occurred on XXXX/XXXX/2015 for the amount of {$120.00} at XXXX XXXX New Mexico for XXXX gallons. 
I immediately called the card service account telephone # on XXXX/XXXX/2015 when I discovered the fraud on my card. I was routed through an incorrect maze of telephone numbers in XXXX & always ended up at same department. I requested the card # be closed & a new card be issued to me, as the previous card had been cloned & compromised. The bank service company closed the account, & continue to harass me for more detail about this event. 
I have made numerous telephone calls to try & resolve this matter, but the credit card account personnel are incapable of helping me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/21/2018 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: I did not authorize these inquiries that is showing up on my credit report. These inquiries are fraudulent. 

TRANSUNION : XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX  ( XX/XX/XXXX ) XXXX XXXX ( 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
Consumer complaint received 09/24/2016 about Mortgage (Conventional fixed mortgage) with FREEDOM MORTGAGE COMPANY (NV).
Issue: Loan servicing, payments, escrow account

Complaint: Little to no communication from Freedom Mortgage. They purchased my home loan 2 months ago. I have not received any payment or billing information. I only received an account number after calling customer service. I was threatened with a late fee if i didnt make a payment on their website. I was told they dont accept electronic payment from XXXX XXXX XXXX and making a payment through my bank will result in a late fee as they have to mail a check. I will not make a payment on Freedom 's website as i have zero confidence in this company. With XXXX XXXX XXXX there is a tracking system for payment and more assurance than what Freedom is providing. They have horrific communication and unsatisfactory customer service.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2016 about Debt collection (I do not know) with LINEBARGER GOGGAN BLAIR & SAMPSON LLP (AR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The law office of Linebarger Goggan Blair and XXXX call my residence looking for XXXX XXXX XXXX. I am not that person. 

I received a letter on XXXX from them addresses to my son. I returned it with the following print " Return to sender ; not at this address. 

On XXXX, they called and left a message on my residence phone. I returned the call and spoke to " XXXX ''. I asked her to remove my name from their call list. She agreed. 

On XXXX, I received an automated call from the law firm. I returned the call and spoke to " XXXX ''. I asked her to discontinue their collection efforts to my telephone number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2015 about Bank account or service (Savings account) with SUNTRUST BANKS, INC. (GA).
Issue: Deposits and withdrawals

Complaint: I was told by my bank that they did n't accept money orders via mobile upload. I did however upload them. I did n't see the deposits on my account so I went to a branch and had the deposited. Suntrust cashed XXXX sets of money orders and then they closed my account. After I withdrew {$1000.00} I had a balance of {$40.00} well they charged me all types of fees and told me the money orders were no good. I contacted the money order issuing company and confirmed the money orders were good. I have yet to see my {$40.00}

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 12/16/2017 about Mortgage (Conventional home mortgage) with LoanCare, LLC (IA).
Issue: Closing on a mortgage

Complaint: Due to my recent divorce, I wanted to refinance the house in which I lived in my name only. The mortgage was originally taken out at XXXX XXXX XXXX, XXXX, Iowa and they sold the original mortgage to Loancare , LLC. It is against Loancare , LLC I am filing my complaint. 

I went to XXXX XXXX XXXX XXXX and applied for a new mortgage in my name only. The lending department at XXXX was instrumental in reworking a new mortgage and they proceeded to seek a payoff from Loancare , LLC starting on XXXX/XXXX/XXXX. A payoff due Loancare LLC of {$200000.00} was received by XXXX onXX/XX/XXXX. ( Reference the attached notes from XXXX, the loan officer, to see the efforts made to receive this initial payoff ). On XXXX/XXXX/XXXX a second, and new payoff in the amount of {$190000.00} was received by XXXX. This payoff used the wrong good through date of XXXX/XXXX/XXXX instead of XXXX/XXXX/XXXX as the payoff ; in addition, the total loan amount due was both printed wrong and added wrong! 

XXXX assumed, for reasons in XXXX notes, the second payoff was correct and they wire-transferred {$190000.00} to Loancare LLC on XXXX/XXXX/XXXX when it came out of rescission. A third payoff letter then arrived at XXXX on XXXX/XXXX/XXXX in the amount of {$200000.00} stating the payoff was made after XXXX XXXX, XXXX so another month of interest ( {$770.00} ) was added. 

At this point, I made four phone calls over several days including a conference call at and with XXXX loan officers. Typically, I was put on hold for long periods ; told there was no one in management available ; or the phone simply went unanswered during regular business hours. I then went to XXXX wondering what to do next. The loan department went to XXXX XXXX XXXX XXXX, Chief Operating Officer at XXXX for help. He made several attempts to reach Loancare LLC and on one attempt was on hold for fifty minutes. 

Now, as of XXXX Loancare LLC has issued a fourth payoff in the amount of {$200.00}, XXXX stating yet more charges were added to the loan. This is beyond reason! Through this entire process, XXXX made more than ten phone calls to Loancare LLC and I made at least four. All the attached evidence clearly shows Loancare LLC made the errors that created this mess. What is most frustrating is their admission they were in error but still unwilling to remove the extra month of interest and putting the amount owed back to {$200000.00} ; if not actually XXXX which they said was due and which XXXX wired to Loancare LLC as requested on the Loancare LLC wire.

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 10/22/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Billing statement

Complaint: I made XXXX payments online the same month. XXXX/XXXX/15 ( {$200.00} XXXX and XXXX/XXXX/15 ( {$500.00} XXXX. I called Capital One on XXXX/XXXX/15 before I made the payment online and asked if I make the payment today on XXXX/XXXX/15 will that take care of my XXXX payment, I was told yes. I received a bill for the XXXX payment along with a late fee XXXX {$160.00} XXXX. I called Capital One and spoke to XXXX he could not help so I asked for a Supervisor XXXX XXXX XXXX. I explained about the payments and that I spoke to someone at Capital One. XXXX offered to reverse the late fee but I would still have to pay the {$160.00} payment. I asked him to escalate me to his Supervisor and was sent to XXXX who told me that I would have to pay the {$160.00} and they WOULD not change the current payment. I asked her to escalate me to her Supervisor and she told me that I COULD NOT go any further than her. If she is the last person that handles situations, Capital One will not be in my wallet and I will spread the word on how the handle their customers thru Social Media. If the XXXX/XXXX/15 ( {$500.00} XXXX payment was not going to be the payment for XXXX then why would the rep tell me it would.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2016 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (WA).
Issue: Other transaction issues

Complaint: XXXX XXXX, XXXX, I listed and sold an item ( computer game ) on eBay for {$42.00} to a new ebayer named XXXX XXXX. XXXX sent payment to my paypal account. Paypal deducted transaction fees leaving with with a {$40.00}. I sent the item ( computer game unlock code ) via eBay message to complete transaction. 

XXXX XXXX, XXXX : Paypal alerted me the credit card used by XXXX was a fraudulent and unauthorized charge thus they initiated a chargeback against me. PP opened a dispute and asked that I supply them with proof of my delivery of the game code which I did. 

XXXX XXXX, XXXX : Paypal found I had sent the item but was not protected because of their ToS indicating I sent a nontangible item ( a game code which unlocked the game from the developer allowing a one time download of the product ). PP then tacked on a charge of {$40.00} to an unrelated purchase I made from another retailer of {$28.00} and deducted that combined amount from my credit card. Note : My credit card is a backup service as all normal deductions of my purchases normally go through my attached checking account as a debit. 

PP did the following : -accepted a stolen credit card from XXXX -deducted transaction fees on that transaction -offered me no protection from fraud in terms of vetting the payment account -they will not provide me with the disputing credit card company contact info or transaction info for me to follow up -they charged my credit card by adding on $ on top of a legitimate unrelated purchase I made then took those fees from my credit card with they have never done before. 
-they are unable and or unwilling to properly notify eBay that the buyer ( XXXX ) has not paid which will allow me to thus file a complaint with eBay triggering any protection I might have there. 
-They claim I have no protection on this sale because my item was a non tangible. 

How does one not rely on a transaction service ( who takes fees on that same transaction ) to protect oneself from fraud?

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2018 about Debt collection (Payday loan debt) with Grant & Weber (CA).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint: XX/XX/2007 {$1000.00} I was making payments and I went through some financial hardship and wasn't able to make payments. debt collectors called my employee when I told them not to.

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