milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/26/2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (CA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: XX/XX/XXXX Closed Statement was never received due to a change of address. Notification was file with Postal Service and mail was not forwarded by post office.

XX/XX/XXXX Closed Statement was not received from post office. Late fee of {$26.00} was added.

XX/XX/XXXX Payment was received and another {$10.00} late fee was added.

++++++++++++++ I call you by XX/XX/XXXX mentioning that I was unable to access my account online. You told me that a new password will send my mail. I gave you my new address and requesting you to mail me a copy of my statement so I can pay for it.

I mailed you a copy of my notification to postal service and also a letter on XX/XX/XXXX asking to wave this late fee.

On XX/XX/XXXX I received your letter with a {$25.00} credit. I sent you an online payment of {$63.00} on XX/XX/XXXX.

The way that your accounting is done, is very confusing to the customer.

And today XX/XX/XXXX, I received another statement where it show the credit of late fee, and charging again this {$25.00} late fee with an additional {$10.00}.

For a purchase made for an amount of {$36.00} with all late fees is costing me more than the original purchase. 

I will not buy any XXXX product unless they replaced you and to get my credit back. 

As I said from the beginning, I have nothing to do with this confusion. Change of address was sent ton postal office, no mail came and even after I called requesting my statements.

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 01/20/2016 about Debt collection (I do not know) with RAB PERFORMANCE RECOVERIES, LLC (CO).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: RAB Performance Recoveries has taken me to court for a debt that is not mine or that they have not been able to show some sort of proof that I owe. I am now in mediation attempting to get this thrown out as the judge signed off on it and is allowing the targeting practice to go on. They already have numerous complaints against them online and on XXXX 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 09/28/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (MO).
Issue: Struggling to pay mortgage

Complaint: The lender has failed to respond to our QWR and Notice of error request sent on XXXX/XXXX/XXXX and are proceeding to sale set for XXXX/XXXX/XXXX - the lender is in violation of regulation X-12 USC 2605 ( e ) ( 1 ) and the clients right to counsel.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with TRANSWORLD SYSTEMS INC (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was issued a traffic ticket number XXXX. I requested a contested hearing within the 15 day time limit. See page XXXX of attachment. 
I did not hear anything about this traffic ticket until I was sent a letter from Transworld Systems Inc that I received on XXXX XXXX, 2017 that requested {$210.00}. See page XXXX of attachment. 
I mailed a dispute validity of debt letter today ( XXXX XXXX, 2017 ) Transworld Systems Inc. See page XXXX and XXXX of attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I wrote this letter to complain about Trans Union for not following the Fair Credit Reporting Act guidelines. 
As I was browsing through my Trans Union credit report, I discovered that a credit collection agency by the name of XXXX XXXX XXXX reported me to Trans Union. The same debt is also reported by another credit collection agency known as XXXX. Trans Union never questions as to why the XXXX collection agencies reported me for XXXX debt that I had with XXXX XXXX Electric and Gas, or XXXX XXXX XXXX NJ. With that, I believe that Trans Union fails to follow the proper guidelines pertaining to the Fair Credit Reporting Act. Then recently, the same debt was reported to Trans Union by another credit collection under the name of XXXX XXXX XXXX. 
All XXXX agencies are now on my credit report with the same XXXX debt. I am asking that Trans Union does what it has to do to rectify the situation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/19/2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I received a TPD discharge on student loans. XXXX has notified all Credit Reporting Agencies. XXXX loan holders are still stating that I have made late payments, these are supposed to be removed from my credit report after TPD discharge. In addition, the discharges are reported as transferred over to a new agency, which is a negative report. I cant find out from Credit Reporting Agencies or XXXX if it is an error in the way XXXX reports to the reporting agencies or how the agencies are documenting. Either way, a TPD discharge should not drag my credit down, it should improve. It has been over six months with no resolution Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: ssue Unable to get my credit report or credit score : Problem getting my report or credit scoreDescribe what happened so we can understand the issue ... 

I am an XXXX Service Member in the XXXX. I attended the financial briefing in XXXX from the military. Following guidance from the Financial Planning Counselor, I attempted to obtain all XXXX credit bureau reports and my FICO score. I am unable to locate any information when I contact the bureau 's to include FICO score. I was told that I need to create a profile. I am a member of XXXX XXXX, and I have received a score thru XXXX, therefore I am unsure as to why I can not directly obtain from the websites. 

Additionally, I am experiencing difficulty obtaining my Free FICO score.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2017 about Debt collection (I do not know) with Rash Curtis and Associates (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Daily, continuous automated calls from XXXX. Recording advises of an urgent, important matter regarding my daughter who has not lived with me for numerous years. I press XXXX ' as instructed to speak to an operator and then the line hangs up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2016 about Debt collection (Credit card) with NAVY FEDERAL CREDIT UNION (MO).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XXXX representative contacted me from number XXXX. He advised I owed a debt that has already gone beyond a 7 year period and charged off. The company reached out to my private cell number without authorization.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2016 about Credit reporting () with Experian Information Solutions Inc. (MO).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: All of the accounts listed have been removed by both XXXX and XXXX. Experian is continuing to report all of the accounts on my current 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 explanation
Consumer complaint received 05-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: In  XXXX    XXXX   I filed a dispute with Equifax because they were missing updated payment status on my   XXXX   XXXX   accts and my  XXXX   XXXX  account. Asked them to update this info correctly and fix my score accordingly. On  XXXX   XXXX    XXXX   I checked status and they removed all of my credit cards from my report completely and dropped my score by  XXXX  points. They also had my deceased mothers depts. added to my report which I requested they remove. Every month they are messing up my report and destroying my credit. I am constantly writing to them to fix this problem. I have been trying to rebuild my credit for a year now and have been doing well with all other agency 's except for them. I do n't know what else to do. When they do fix it, they add  XXXX  pts after they removed  XXXX  for same issue. They are hindering me from being able to get better cards with lower interest rates and from purchasing a new car.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (UT).
Issue: Loan modification,collection,foreclosure

Complaint: I called in and got put on a repayment plan to get caught up on my mortgage payments over a 6 month period. I received a letter shortly after that advising me the program I was put on was not valid. I called and asked them why would you put me on a program if it was not a valid program to get me caught up. The customer service rep would not let me talk and kept advising me I needed pmts prior to what I had set up. At that time I requested a Team Leader to try and talk throuth the situation

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (MD).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I disputed a charge with a merchant that sold me counterfeit and defective goods.  Chase i nstructed me to contact  XXXX  to get their opinion that the goods in questions were counterfeit. Specifically, I was told that all I needed was a representative to confirm that the goods appeared fake. I contacted  XXXX  and was told by their representative that the merchant was not an authorized retailer and that the goods in questions looked counterfeit. I submitted this to  Chase, but Chase then closed the dispute in the merchant 's favor because they had not received the requested documentation ... which I had provided. In their rejection letter, they also claim they are not able to identify that the merchandise is counterfeit. I contacted Chase  and was tol d I would have to submit a request to have the dispute reopened in writing. I did so and included all information that Chase had requested from me since Day 1 of the dispute. Chase then told me I needed to submit proof that the merchant would not accept a return. I contacted the merchant and the merchant confirmed in writing they would not accept a return. I submitted this confirmation to Chase through their online portal. A month later Chase sent me a letter saying they would not protect me in this case because too much time had passed, and they could not recoup the money from the merchant.   <P/> I   disputed this charge last year, and Chase has dragged it out for months and months by requiring additional arbitrary information from me on an incremental basis.
<P/>
Additionally, Chase has not communicated with me in any way other than regular mail. No information is available through their online dispute portal or online communications portal other than automated responses along the lines of " We have received your message and are investigating your dispute '' ... Mail from Chase looks like any other piece of spam mail. Further, Chase never makes me aware that    they are sending me any correspondence via regular mail, thus I do not know to look out for it. I am a digital customer ; why encourage me to go paperless if your dispute process is entirely paper-based?  <P/> 
This is infuriating. Chase had every opportunity to side with the customer from Day 1 of this dispute. I have provided everything requested.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/24/2016 about Debt collection (I do not know) with ALLY FINANCIAL INC. (NC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Ally financial continues to call my home and cell phone number to collect a debt from someone who is not a member of my household. This frequent and repeated calls happens multiple times a day despite me telling them that I do not know where this person is or how to find them. I tell the representatives of this company not to call me again but they continue to do so even though I have no information to provide them.

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 02-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: on XX/XX/17 I submitted documents to all 3 credit bureaus to remove negative marks on my credit that do not belong to me. I requested validation of these debts because there is no contract on file showing that I owe these debts at all and still haven't received a reply from them. This is a clear violation of my rights and these items should be removed from my credit profile immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2016 about Debt collection (Medical) with Unlimited Progress Corp (IL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Debt collector is in violation of several 15 USC 1692 fair debt collections practice Acts.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2016 about Credit card () with BBVA COMPASS FINANCIAL CORPORATION (GA).
Issue: Application processing delay

Complaint: I applied for the BBVA XXXX XXXX XXXX card on XXXX/XXXX/XXXX and received my denial letter on XXXX/XXXX/XXXX. The stated reason was " unable to verify identifying information ''. This reason is complete bogus and I have several friends who have received this same denial reason. I have not changed my address in 13 years and have no fraud alerts on my credit report. I take safe guards to manage and protect my credit and this denial reason is completely bogus.

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2015 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Billing disputes

Complaint: I have had the care credit card since 2009 and have been charged interest. 
I have not received the refund claim form from care credit. Is there any way Ican receive one?

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2017 about Mortgage (Conventional home mortgage) with CONTOUR MORTGAGE CORPORATION (CA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I was searching to refinance my home loan in the month of  XXXX  with several lenders over the phone. I was asking each and every lender what my new monthly payments would be based on a 30 year fixed rate  XXXX  points on our balance we owed. The quote that I received from a sales manager  XXXX   XXXX  NMLS #  XXXX  from Contour Mortgage attracted me since he stated clearly to me over the phone that my new monthly payments would be $  XXXX /month a savings to us of $  XXXX /month. I decided after comparing quotes I received from the other lenders to go with  Contour  Mortgage. I spent {$450.00} on an appraisal, over {$100.00} to fax documents from a  XXXX   XXXX  and {$35.00} to cancel a check on account of this loan only to learn near closing that our new monthly payments were actually going to be $  XXXX ./month and not $  XXXX ./month as he told me when I made my decision to pick his company. I emailed the branch manager  XXXX   XXXX  NMLS  #  XXXX  on    XXXX   XXXX  2017  and told him that I was misled by his dishonest sales  manager   XXXX   XXXX  and was seeking a refund of my money spent on this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: in an active dispute with Wells Fargo and they have locked me out of my account so I can not make my monthly payment forcing me to go over the 90 days down.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2016 about Credit reporting () with National Consumer Telecom & Utilities Exchange, Inc. (WA).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I requested and received a copy of my NCTUE Exchange Service Center consumer report. I received it in the mail today. Within the report under section XXXX " Unpaid Closed Accounts '' there is a paragraph that states, " These accounts are reported as unpaid closed accounts and may remain on your report for 24 months. '' 24 MONTHS! The federal and state law says 7 YEARS! 

I contacted NCTUE to remove XXXX accounts listed beyond the 2 years and was informed that federal and state law allows for reporting for up to 7 YEARS. 

The information printed on the NCTUE report that I received in the mail is deceiving to consumers as it states clearly 2 YEARS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-02-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX mortgage is reporting to all bureaus of delinquency. I contacted XXXX and disputed the matter and it was removed. Transunion is NOT showing a late payment and also XXXX failed to remove the error. The charts that reveals the monthly payments are green and paid as agreed but yet, XXXX is still reporting to the other XXXX transunion and XXXX as delinquent. 

Transunion is also reporting my age of first credit to be at 6yrs 3mths which is false

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/22/2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (AZ).
Issue: Managing the loan or lease

Complaint: I purchased a car with a loan from Santander USA. Due to my being XXXX and limited toa fixed income, I got behind on my payments. Santander made an agreement with me to allow me to pay a certain amount and have time to catch up the payments. After I had paid the agreed upon amount, the vehicle was repossessed within a week. This was after paying them for almost 3 years and having a little more than a year to go on the loan. They sold the repossessed car, by their choice, then reported a debt on my credit report of more than {$1500.00}. 

The negative report they have given me has blocked my credit for the past 3 years. I 've asked them to remove this debt from my credit report since they repossessed the car AND sold it. - They 've left me with nothing after all the money I payed them and they are ruining my credit with this unfair debt.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Debt collection (Medical debt) with Commonwealth Financial Systems, Inc. (KS).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: The company is trying to collect on a medical bill that is from XX/XX/2012, I had insurance at the time, but the hospital did n't charge them, and are now trying to collect the money from me even though I was covered at the time. Also the date of billing is wrong as I did n't even live in the state during that time, it was an event that happened a few months before the stated date.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2016 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (NY).
Issue: Deposits and withdrawals

Complaint: I opened a checking account with Citizens bank on XXXX 2016 so I can get my social security payments deposited with them. On that day of XX/XX/2016 I deposited {$45.00} check that I need it to cash. In XXXX XXXX, 2016 I received the letter from social security administration letting me know that they were going to deposit my benefits checks to the new account I opened with citizens bank.Social security administration told me in the letter that it can take 1 to 2 months for them to deposit my money. Yesterday XXXX/XXXX/2016, I went online to see my balance which was {$1.00} before yesterday and then the bank put my balance to minus {$9.00} to my new checking account. I called the citizens bank branch in XXXX, NY and I spoke to them and they said that they are charging me a {$9.00} fee for not making deposits. I explain them that social security was going to make my benefit payments on my checking account next month and I told them that I 'm on fix income and I can not afford to pay any fees. the person at citizen bank told me that I have to pay the fees and on top of that more fees per day until my fees are paid. I 'm a XXXX person and is n't my fault that it takes up to 2 months for social security to deposit my benefits to my new checking account. This is the only income that I have and can not afford their fees. As a new customer to the bank I feel that I was wronged and communicated this to the bank I feel that they should delete these fees.

Company response to consumer: Closed with monetary relief