milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-05-2016 about Credit card () with SYNCHRONY FINANCIAL (WI).
Issue: Late fee

Complaint: My credit card issuer, Synchrony Bank, assessed my account with a late payment fee of {$37.00} on XXXX XXXX, 2016 that was a direct result of their online payment system being unavailable to access requests from XXXX and Customer Care Agent in providing incorrect payment processing information. In speaking with their technical support services staff on the payment due date of XXXX XXXX about the issue they informed me that they were not able to provide an alternative and advised me to contact the Sychrony Bank Customer Service line during regular business hours. They assured me that my access attempts and phone call were logged and that the matter would be rectified without penalty. I followed up with a phone call to process a payment over the phone and unknown to me at the time the payment was processed for another unrelated Synchrony Account. In following up on XXXX XXXX I called into their service center where an agent informed me that because of my " account type '' they were not authorized to reverse any fees - despite the origination of the issues I had being with Synchrony Bank. I escalated the phone call and asked to speak with an Account Manager who was inflexible about the position and insisted, in our approximately 30 minute phone call, that I held ultimate responsibility for their error.

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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 
Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2016 about Debt collection (I do not know) with NRA Group, LLC (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: ntl recovery agency keeps trying to collect a debt for XXXX i never had XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2015 about Consumer Loan (Vehicle lease) with HYUNDAI CAPITAL AMERICA (NY).
Issue: Problems when you are unable to pay

Complaint: HYUNDAI MOTOR is reporting that I owe over {$20000.00} dollars for a vehicle that I leased with them XX/XX/XXXX. I voluntarily surrender my Sonata vehicle on XX/XX/XXXX. I had asked Hyundai Financial to pick up the vehicle on XX/XX/XXXX, but they took too long to pick it up. The vehicle was in perfect condition. My credit report is reflecting a debt that does not correspond to reality. Should I have a debt for any responsibility for the vehicle, it should not be more that {$1000.00} dollars or so. I do not agree with such reporting and I oppose to any debt that Hyundai has been trying to charge to me.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2016 about Mortgage (FHA mortgage) with UNITED MORTGAGE CORP (NY).
Issue: Loan servicing, payments, escrow account

Complaint: The United Mortgage Company contact me in XXXX 2016 and I was told by a gentleman by the name of XXXX that they can lower my mortgage payments by {$100.00} per month. At this time I owned my house for almost one year and thought I could use the extra money each month. The incentives were I would not have to pay the new mortgage for 2 months, lowered monthly payments and no closing costs except I would have to pay the loan officer, title company and other incidentals in the amount of {$2100.00}. The closing took place on XXXX XXXX and come to find out they neglected to pay my XXXX taxes for {$3800.00} which have accumulated to over {$4100.00} with late fees and finance charges. When I brought this to the attention of my loan officer XXXX XXXX XXXX he was looking into it but has n't gotten back to me even though I called everyday for a week. I believe they did the wrong thing by me and they need to pay the taxes that were due when they were my mortgage company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IN).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: On XX/XX/XXXX, I sent a certified return receipt letter to XXXX XXXX XXXX XXXX with validation of loan and competent evidence bearing my signature, showing I had ( or ever had ) some contractural obligation to pay for a vehicle loan and disputed the account for accuracy. The letter was signed for by XXXX XXXX on XX/XX/XXXX.
OnXX/XX/XXXX, I received a letter from the Credit Bureau Team of XXXX XXXX XXXX XXXX stating the have confirmed that XXXX XXXX XXXX XXXX is reporting correctly. XXXX XXXX " verified '' with out showing my signature nor providing information on who conducted the verification of the account. OnXX/XX/XXXX, I sent a letter stating, " Upon further investigation, I have retained new copies of my credit reports, and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which you signed for onXX/XX/XXXX. I have retained a copy of your signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. '' Today,XX/XX/XXXX, I  received an updated credit report from Experian showing that I disputed the account and the Credit Bureau continues to " validate '' the account well after the 30 day period of non-compliance of XXXX XXXX XXXX XXXX as to the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ).

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 07/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On XXXX XXXX XXXX we went on XXXX to receive XXXX credit score, which was at XXXX with Equifax and higher with XXXX and XXXX, so that we could go and apply for a home equity loan at XXXX XXXX XXXX to consolidate some bills and do some repairs and updates on our house. We went to XXXX XXXX XXXX and applied for the home equity loan on XXXX XXXX XXXX. We got a call from the credit union on XXXX XXXX, saying that our credit score had come from Equifax at XXXX, which was too low and they could not do the loan. We then got on XXXX and got XXXX XXXX credit reports. After receiving the reports we decided to go to equifax.com and pay {$7.00} for XXXX credit score directly from them, which was also at XXXX, which was the same value as XXXX showed. XXXX XXXX XXXX says that Equifax gave them our FICO score, which was at XXXX and is different. So we went on Equfax again and paid {$14.00} for the FICO score, once I found the link, and it says XXXX but doesnt really give a reason why since youre looking at the same credit report as youre looking at for the other number. My issue is this : If Equifax is giving out a fifty-point lower number to places that we are trying to do business with than they are giving to us, ( presumably so that we can fix it ), what was the point of all the legislature forcing them to be transparent?? This is not transparent. They are still trying to hide what they are doing. We spent months trying to raise our credit scores, like they tell us we need to do, successfully, and then they send a different score that is much lower? How can this be right??

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2015 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Loan servicing, payments, escrow account

Complaint: Many years ago we entered into a revolving equity loan/, mortgage with XXXX Bank XXXX which became XXXX Bank and finally Bank of America XXXX The loan was upgraded several times. However, we learned in XXXX or XXXX of this year while attempting to move to a credit union - that XXXX of the prior equity, line of credit loans had not been extended but a new mortgage issued - without the old mortgage being discharged of record. The Title search XXXX and other necessary information was sent to BOA at least 2 times - and by me at least XXXX more. We have lost the good deal offered XXXX - as the application expired & there was the outstanding lien. 

As my attached records show which has not been disputed by BoA ; the unsatisfied mortgage was fully paid upon the extension of the line of credit equity loan at that time 2001- and this has not been disputed. 

I will attach the information for your consideration and action. Our request for satisfaction was acknowledged twice by BoA- I will attach. When we followed up at the time frame BoA gave itself - the person called ( number given to call XXXX had no records nor interest in looking for them. We were again requested to fax all the documents again. 

We request help in getting a lien which has been paid - discharged of record and other just relief - as we lost a good deal XXXX - and are forced to continue with the BoA deal. 

Under the choices below, it does not easily fit but is " loan servicing '' as refusing to discharge of record a paid equity loan line of credit. Also we request only written responses or email responses from Boa. Please BoA - DO NOT CALL.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I have a XXXX XXXX loan that was sold to the company Navient. In XX/XX/XXXX I set up a recurring monthly payment of {$170.00} to be taken out of my account for 12 months on the payment assistance plan. After two payments I received a call to set up another payment plan for {$140.00}. Shortly thereafter I received a call stating that I could not be on two payment plans so I decided to keep the {$140.00} payment plan. I then received a phone call saying that the higher up managers denied both payment plans after I had already been set up and paid monthly amounts. When I spoke with managers ( XXXX different ones to be exact ) I was told that it was nothing that they could do because the higher up managers made the decision. The last manager I spoke with told me that it was a computer program and that they could not change the interest rate for my loan. I did not ask for my interest rate to be changed. They offered me a payment of {$190.00} a month, but I think it is unfair for me to be forced to take this payment considering the relationship that has occurred. I offered to return to the {$170.00} payment, but was refused. They said the difference was only {$20.00}, but that difference is big because I have other private student loans to attend to. I can not agree to that. I told them I would continue to pay the XXXX every month because that was the last agreement that we had. 

I would like a separate mediator to intervene so that we can find a solution. I made an agreement to pay a certain amount of money every month to this company every month and they changed the terms. That is not fair. 

I have yet to speak with a higher up about the decision that was made even though I requested it.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2015 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I pulled my credit report and there was an account from syncb/old navy which I never had I have made several attempts to get this resolved because i was a victim of identity theft but nothing has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (TX).
Issue: Loan modification,collection,foreclosure

Complaint: We found this house in 1996 for XXXX got switched to Nationstar and had to start paying our own insurance which they said they would do. We refinanced once because they told us it was in our best interest. Which we did but lost all the paper work in hurricane XXXX have tried many times to refi with the rates so low. Going thru bankrup got a bill for XXXX plus they are now saying we owe XXXX plus the XXXX on a XXXX year old loan for XXXX something somewhere is very wrong. Any advice or help would help us out the pressure and XXXX is horrible.

Company response to consumer: Closed
Consumer complaint received 03/28/2017 about Credit card () with BARCLAYS BANK DELAWARE (WI).
Issue: Identity theft / Fraud / Embezzlement

Complaint: A guy I was dating XXXX XXXX stoled my identity got this card in my name before we were married in the evening og XX/XX/XXXX. When I found out that this and other cards were in my name without my knowledge I filed for divorce immediately. XXXX other accounts were declared fraudulent. This one was not even though XXXX admitted to Barclay Bank that he was responsible for it and was made responsible for it in our marital settlement agreement. I did not know that I was on this account. I did not sign up for this account. I have asked for proof that I signed up for this accounts in XX/XX/XXXX and XX/XX/XXXX and have not received it. It has hurt my credit my credit rating and I want it 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 07/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: transunion is reporting that I have a account with XXXX XXXX XXXX # XXXX and XXXX XXXX XXXX # XXXX. I have contacted these debt collection companies, requested proof of the debt, and they have not and were not able to provide any proof that these debts belongs to me ( because they do n't ). Transunion has also not provided any proof that these debts belongs to me. I have no contract with XXXX XXXX or XXXX XXXX XXXX, and unless someone can show where I have signed any contract with them or the company they are collecting for, these accounts needs to be 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 02-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I contacted XXXX 's about my account not being credited, I was advised by the credit department that they would find out why my account was not credited for the return and make contact with me. This was in XX/XX/2014, I checked my credit report last year and noticed the collection and began filing disputes. 
I submitted two disputes through Experian, XXXX and XXXX   reference to a creditor XXXX XXXX XXXX XXXX XXXX, WI XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Bureaus are required by federal law to verify- through the physical verification of the original signed consumer contract-any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. This account was closed due to the item ( XXXX ) was returned to the company back in XX/XX/2014 and the Account was never credited, as a matter of fact the XXXX   amount was {$350.00} and this company is still showing a past due amount of {$120.00}. I demanded verifiable proof from the consumer with my signature on it on what I am being charged and as of this date I have not received anything, only confirmation from Experian that the company notified them that the account was accurate and has not provided any documentation which a violation of the Fair Credit Reporting Act is, Section 609 ( a ) ( 1 ) ( A ). 
Experians failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I am requesting that Experian be investigated. 
Regards, 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 11-10-2015 about Consumer Loan (Vehicle loan) with CREDIT ACCEPTANCE CORPORATION (DE).
Issue: Managing the loan or lease

Complaint: I am requesting that CFPB investigate the lending of credit practices ofCredit Acceptance Corporation. The vehicle loan product presented tome was done in very deceptive manner. I advised their representativethat the due date of the payment of my loan did not coincide with mypay date. I was advised not to worry because I was given a grace periodper the coupon book. I am constantly being harassed byCredit Acceptance if I do not get the payment in by the XXXX of the monthI have attached the coupon book and correspondence that I received onXX/XX/2015 stating the intent to repossess. Their practices are verydeceptive because the coupon book says by XX/XX/XXXX a late fee will beassessed and I was given the same information by the representativewho sold me the product but instead I receive an intent to repossess letter that isdated XXXX/XXXX/2015. The XX/XX/XXXX payment was made XXXX/XXXX/2015. I have filed a complaint before but now I want the corporation and it 's practices to be investigated. Please note : I have never been 30 days late on mypayment. I am a customer in good standing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2017 about Mortgage (FHA mortgage) with FIFTH THIRD FINANCIAL CORPORATION (GA).
Issue: Loan servicing, payments, escrow account

Complaint: Received a letter fro m Fifth Third B ank in  XXXX  saying my mortgage payment will be adjusted down beginning in  XXXX . I sent the agreed amt as payment at the end of  XXXX  but got a letter saying my payment amt was short. I subsequently called and agreed to send an additional amt to bring my payment up to the agreed amt. Thinking everything was over, I was surprised to get letters in the mail dated  XXXX   XXXX  and  XXXX   XXXX  saying my loan was in default. I got another letter dated  XXXX   XXXX  that my payment has been posted, any late fees have been waived and credit bureau corrections have been made. I also got a check for {$1100.00} dated  XXXX   XXXX . I called  Fifth Third a nd explained that I got a check in the mail and was told that my payment was up to date. I then got some paperwork hand delivered to my home regarding mortgage payment assistance. I called  Fifth Third a gain on  XXXX   XXXX  and tried to clear up what was going on. I was told that I am missing my payment for  XXXX  so I told her I will send the payment my regular time at the end of  XXXX  along with another {$1100.00} which would represent a return of the {$1100.00} check sent. I followed up on my commitment and sent the payments. On  XXXX   XXXX  I got a notification from my bank that my acct was overdrawn. I checked and discovered that a stop payment was placed on the check that was deposited. I calle d Fifth Third an d asked that the additional amt of {$1100.00} which represented the check sent to me be returned to me since they already put a stop payment on the check. Since then I have called  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX  and to date,  XXXX   XXXX , I have not received my check. I was told the check will be mailed  XXXX   XXXX . When I called  XXXX   XXXX , I was told the check was mailed  XXXX   XXXX . When I called  XXXX , I was told again the check was mailed  XXXX   XXXX . Today is  XXXX   XXXX  and I am yet to receive my check. I explained that due to this incident, my other utilities were not paid. I explained the urgency of the situation including the possible effect i t may ha ve on my job. It has all fell on deaf ears. This situation is very distressing and has severely impacted my job and my family ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/26/2017 about Mortgage (Conventional home mortgage) with The J. G. Wentworth Company (CA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: Dear CFPB : I am trying to Refi to consolidate my debts so I can only have one payment : home mortgage. 
Company : J.G. Wentworth Date : Wed, XXXX XXXX 2017 XXXX XXXX PDT From : XXXX XXXX ( my loan officer / LO ) To : me ( my email ) Subject : Update on your home loan inquiry After this only one and initial contact, I could never contact my LO again.
I left her emails and vmails but to no avail. 
I have NO idea where my loan is standing. 
I have to go to her Supervisor to obtain the Appraisal Report that I paid outside of closing. 
I think there is something " fishy '' about this LO. Why do you have to hide from me, your customer??? ( figure of speech ) Please help. 
I have NOT signed the closing paperwork yet, and I have the 3-day Rescission period to protect me, a borrower.
May I ask you to intervene to find out why I am being left stranded.
I will look for another company to Refi. 
Thank you very much, sir/ma'am, s/Borrower PS : to all borrowers out there, please DO NOT GO TO J.G.WENTWORTH TO OBTAIN A LOAN. SOMETHING " FISHY '' IS GOING ON WITH THIS COMPANY.

Company response to consumer: Closed with explanation