milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/17/2015 about Credit card () with SYNCHRONY FINANCIAL (MI).
Issue: Billing disputes

Complaint: I submitted a dispute to Synchrony Bank regarding an appliance purchase I made from XXXX XXXX. Synchrony asked me for no information and said they would be in contact to let me know where to send my documentation. Approximately one month later I received a letter stating they had contacted the retailer who had provided them with documentation that the charges were valid because the unit was in " perfect working condition '' based on an inaccurate assessment from an unqualified servicer. This servicer 's assessment was disputed and a second servicer was sent to my house who did identify and issue with the unit, this is on record with XXXX. However, the merchant stop responding to my requests on XXXX XXXX. I have since sent numerous requests to the merchant without a response. The merchant has also falsely reported all of this information to Synchrony Bank using the documentation from the first service provider as evidence. It has been determined by Synchrony Bank that I am responsible for this purchase based only upon the merchants limited documentation and Synchrony Bank did not reach out to me to let me know where to send my documentation which extends beyond what the merchant provided.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MN).
Issue: Other

Complaint: I have contacted Capital One to let them know of this unauthorized fraud account, however they sent me to collection and now I found out on my credit report that there is a judgment apparently they sued me for this account, and a judgment has been entered, when they did n't even let me know they sued me, so I could appear in court. I can not believe they held me liable for an account that I did not open, I have never done business with this this credit card company, and they sent me to collection and latter sued me for this and not even let me know they did. I had to find out from my credit report. Now I have a civil records and judgment that is filed against me for account that I did not open, with a credit card company I never done business with.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Debt collection (Credit card debt) with Alliance Data Card Services (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX XXXX for XXXX XXXX credit card. 
1. Charged a late fee of {$37.00} that was more than twice my monthly fee of {$15.00}. Considered illegal in Calif. 
2. Made payment on time difficult to gain late fees : A. Payment sits in P.O. Box until it incurs late fee. 
B. To pay before due date I must use a debit card, but charge {$15.00} fee to use. 
C. Had post office hold my paycheck in order that I incur late fee before can pay. 
3. Statement showed wrong amount, when I called and pointed it out to supervisor, he hung up. No explanation, no call back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-11-2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (PA).
Issue: Loan servicing, payments, escrow account

Complaint: on XXXX XXXX at XXXX oclock i called ocwen because i received a letter saying to pay XXXX.I was told by Relationship manager XXXX XXXX that XXXX XXXX i was accessed a fee of XXXX dollars for a bankruptcy expense in XX/XX/XXXX and that i owed a total of XXXX cents and if i dont pay i will lose my house.she was rude and very loud and did not want to give me a reason why and said she would give send me a breakdown by mail and said i need to pay i think XXXX now.Never received a breakdown.I got off the phone and called again and got a different relationship manager named XXXX XXXX and she told me that i owed XXXX to a property valuation expense and for me to pay XXXX looked on my mortgage transcripts and ocwen XXXX did XXXX in 7 years and it was for XXXX dollars.I was told that this had nothing to do with my payment and to pay XXXX $ and it will be added to your mortgage.Icalled the Ocwen ombudsman XXXX XXXX and was told that this property valuation expense can be done twice a year and i was in default.He told me my payment was in default and it was not 30 days.they did it in 27 days.All this is happening and i dont have nothing in writing.Ireceive a call from supposedly appointed Relationship manager and asked me did i have any questions.i told him the same thing i am telling you and yes i owe XXXX dollars then said did i have anything else and said goodbye.Received a monthly statement for may bill today XXXX XXXX saying i owe XXXX $ saying it is due XXXX/XXXX/XXXX and it came by regular mail but on the activity statement it says certified at {$2.00} and a property inspection fee of $ XXXX.ICall again and get amirsh XXXX Relationship manager and he tells me do i want to pay XXXX now and doesnt give me any options to pay except that it is not apart of your regular payment and i should still XXXX a month but on the statement it says XXXX and that wont change.i still owe XXXX dollars late fees.I am on a fixed income.

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2017 about Debt collection (Medical debt) with Talbot, Adams, & Moore, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: My information was used to obtain an apartment, cell phone, and an auto loan with my ex-husband. I am a victim of identity theft and have put this off for too long. I 've completed the proper s teps, 1. notify creditors 2. police report 3. informe d the state of Texas. The individual I 've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief.   XXXX   sold this fraud collection to enhanced recovery after my fraud claim and case with diversified funding.  XXXX   XXXX  has an entirely different name and for some reason, the bureaus like   XXXX   are still allowed to perform this way without consequences. These companies disregard laws and dont care whos credit or lives they impact.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2015 about Bank account or service (Savings account) with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Deposits and withdrawals

Complaint: I XXXX XXXX HAD {$1500.00} DOLLARS TAKEN FROM MY SON ACCOUNT BY CAPITAL ONE BANK LOCATED AT XXXX XXXX XXXX, VA XXXX THE BANK CHARGED MY ACCOUNT MONEY THAT SHOULD HAVE NOT BEEN TAKEN OUT DEBTING MY SONS ACCOUNT, I WOULD LIKE MY SON MONEY PUT BACK INTO HIS ACCOUNT PLEASE THIS BANK IS A RIPP OFF CHARGING UNREASONABL FEES,XXXX THE MONEY WAS TAKEN FROM ACCOUNT # XXXX MY SONS ACCOUNT FOR SUPPOSELY ACCOUNT XXXX THE AMOUNT TAKEN WAS {$1500.00} PLEASE HAVE PUT MY SONS MONEY BACK PLEASE.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: Equifax Data Breach : Looked up information indicating at risk personal information due to Equifax data breach. Attempted to enroll in 1 year free Trusted ID service on XXXX/XXXX/XXXX after receiving email link. Repeated attempts to login to Equifax program online without success because " system unavailable ''. Called Equifax customer care phone at XXXX today, XXXX/XXXX/XXXX. They could not locate me in their system and it was suggested I try to use online system all over again. Also suggested I get a XXXX XXXX credit card as a way to temporarily put a freeze on financial exposure. 

Equifax created the problem and apologies are n't going to protect me credit. 

I am giving up and enrolling in XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (PA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I had never been informed of income driven repayment or even a suggestion to talk to my accountant about filing separately from my husband so only my income would be considered. There is no way we can move forward in our life financially with me paying over half of my monthly income towards Navient. He pays all of the normal household bills and I take care of my student loans, however we are unable to apply for a mortgage due to my massive student loan debt taking a large chunk of my income. As a result almost all of my other loan repayments are delinquent or nonexistent. I was also never informed my cosigner could be released. When I would call to try to lower my payment, I was talked into a forbearance and now owe about XXXX additional due to this misguided information.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2016 about Bank account or service (Checking account) with NAVY FEDERAL CREDIT UNION (VA).
Issue: Problems caused by my funds being low

Complaint: Recently Navy Federal has been found guilty of illegally freezing members accounts and only allowing certain access when past payments on accounts are due. Navy federal illegally doing this caused late fees assessed through my rental company. When they froze my accounts the rental company was unable to draw money from them. How can I go about getting these fees credited back due to the actions of Navy Federal?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2015 about Credit card () with CITIBANK, N.A. (TX).
Issue: Application processing delay

Complaint: I wo n't go into it but citi pulled XXXX and denied based on my number not being on my fraud alert. XXXX XXXX conjectured that she could n't remove the inquiry but I applied again when confirmed physically by experian that the number was reporting. This time they demanded XXXX. Classic bait and switch, I RSVP to the XXXX CFPB meeting for the public and I have lots of documents to handover on consumer protection violations. Citi needs to learn Dodd-frank and refrain from attempting to school me on it, XXXX charlatans as they are now want Equifax go figure sounds like ECOA violation retaliation because I filed a dispute. In contradiction to the CCPA.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2016 about Debt collection (Credit card) with Pressler & Pressler, LLP (NJ).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: For the past year, I have been in correspondence with Pressler and Pressler regarding at XXXX account. Prior to bring sue ( unknowingly ) by this company, I provided proof that I have been collecting unemployment benefits since XXXX XXXX. I also sent then another company in XXXX XXXX. On XXXX, XXXX, XXXX, XXXX constable by the name of XXXX XXXX withdrawal funds in the amounts of {$890.00}, which is not the amount owed, from my account without my permission. This practice is against Federal and state of NJ laws when collected monies owed. I am currently on Welfare due to my unemployment benefits being exhausted. This company is refusing to reimburse my funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (CO).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I entered XXXX XXXX military service XXXX XXXX, 2013. I am under the Public Service Loan Forgiveness Program. Fed Loan Servicing is claiming I have only made 21/120 required payments within this program. This is incorrect. I have me 32 qualifying payments since being in XXXX XXXX XXXX. Fed Loan continues to ignore multiple emails and inquiries into this miscalculation.

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: For the last 12 months XXXX has been selling this account to various collection agencies. XXXX of them to be exact. I do not owe XXXX anything. I had service with them and I paid my bill then closed my account. I then had service with another company. XXXX came and picked up the equipment and gave me a receipt. First XXXX claimed that I owed the amount for the equipment then I produced the the receipt. For the past 12 months they claim its for service. I produced the bill for the new cable company with the installation date on it. With each collection agency they change the XXXX account number but the amount is the same {$1400.00}. The last agency added XXXX cents. It has been added to my credit report at least 5-7 times. This harassment has to stop. I ended my service with XXXX XX/XX/2014. No early termination fees. No last bill. My balance was {$0.00} before I disconnected my service.

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 04-01-2015 about Mortgage (Other mortgage) with COMMERCE BANK (MO).
Issue: Loan modification,collection,foreclosure

Complaint: My name is XXXX XXXX XXXX XXXX, I had a first mortgage through XXXX at XXXX time that was sold to XXXX XXXX. I paid and was current with XXXX. I had a anytime line with XXXX Mortgage of XXXX through commerce Bank in which I paid down to {$26000.00}. Commerce foreclosed on my second. I had a summons on XXXX/XXXX/2015 which I went appeared to show and let the attorney for Commerce know and see the agreement and the payment that was already accepted. She did not know that my XXXX was with XXXX and that I was current on my XXXX mortgage, neither aware of my agreement to pay back commerce. So she continue the case to XXXX/XXXX/2015 in which I appeared. She told me she had good news and bad news. The good was that commerce was giving me back {$160.00} that I paid on the agreement with XXXX XXXX and the they were going to continue put me out my home and pay off my XXXX. I was devastated and dismayed to hear this. She continued the case until XXXX/XXXX/2015. I went back home to call my XXXX and they told me what they have been telling me for the last 4 months that as long as i was current with my XXXX that they would not allow anyone to purchase my XXXX mortgage. I hung up to access my account with XXXX online to not being able to, so i called XXXX back and while the attendant was helping me she discoverd that my loan was paid off as of XXXX/XXXX/2015. Told me commerce sent payments on XXXX/XXXX/2015, XXXX/XXXX/2015 and XXXX/XXXX/2015. I immediately contacted the vice president office to say to them what I am writing now. XXXX XXXX told me she would have someone contact me concerning this and that was not how Commerce operates. I get a call from a complaint person who calls me basically to tell me the home has been foreclose and that commerce purchase my XXXX. This process has not been handled correctly and now I am forced to get the media and a attorney involved. I want my home and made every effort in obtaining an agreement with commerce and also keeping my XXXX mortgage in good standing. I am attaching my XXXX mortgage document and agreement I had with XXXX XXXX. I want to resolve this and keep my home

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint: On XX/XX/XXXX, I called Citi Bank regarding a letter received about being enrolled in an Optional Debt Program without my consent. The letter gave no information other than the last four digits of a account number, a tracking number, and a reference number. I had to go online to locate a customer service number to inquire as to when this occurred and the account number. I called Customer Service ( XXXX ) XXXX-XXXX and spoke to XXXX. She read a scripted message referring me to the " refund website to file a claim ''. I asked for further information and she said she had none and also refused to give me the Corporate Office phone number or address. When I told her I ca n't research my records without a account number or time frame she hung up on me. I called back and asked to speak to a Manager and was transferred to XXXX. She also read from a scripted message and said they had no other information. I then realized that this problem sounded like the Consumer Fraud problem that happened at XXXX XXXX and they must be trying to correct something they did illegally. I now see that they were also caught adding illegal charges to their customers since XX/XX/XXXX and have to pay out a large sum of money to current and former customers. It 's a shame that Banks have done this for years and do n't have to provide records to the customers who want to verify for themselves how much they are owed. Why should we trust them now for a refund when they claim to have no information on the account? How do we know they are suddenly honest? Is there a way to verify my account as the letter says " our records reflect you were enrolled in a Credit Protection program without your consent ''. Should n't they have to provide me with the information since it 's still in their records? 
They should also train their employees in Customer Service how to talk and handle customers, but of course why should they care if they cheat and lie themselves. 

XXXX XXXX Reference # 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 01/23/2018 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: Transunion seems to have had a computer glitch that caused all of the inquires on my credit report to be deleted, and my credit score increased. The very next week, all of the inquires were reinserted with additional inquiries i do n't recognize to my credit report without prior written notification in direct violation of Sec 611 of the Fair Reporting Credit Act. I am requesting that the reinserted inquires be permanently removed from my credit report. I have reached out to TransUnion and was told I need to create a Police report and fax it to their Consumer Department. I do n't understand why I would need to provide a Police Report to an internal error they had. My credit score Fluctuated from a XXXX to XXXX up and down. I need this corrected ASAP. 

XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX -XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Police Inquiry # 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 12-03-2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (PA).
Issue: Loan servicing, payments, escrow account

Complaint: Nationstar has " retailed '' against me after the conculsion of my first complaint. ( XXXX by once again unilaterally changing the terms and condition of my 30 year fixed mortgage by increasing my monthly payment and making sure my statement does not reach Pennsylvania until XXXX XXXX or the XXXX of the month. Now they are calling me twice a day every day even on Sunday. 

This all began with the very first payment I made to Nationstar when I paid my {$1200.00} payment and they unilaterally deducted {$40.00} for an escrow account in which my mortgage did NOT require such action ; this was on XXXX XXXX, 2013. Even after many letters they stopped the escrow account they " never '' re-calculated my Principal and Interest and therefore I never received proper credit and the fees began. In addition the Court ruled you could not " force place '' flood insuance ( sent them a copy of the Court 's decision ) - guess what Nationstar ignored the decision and forced placed flood insurance on me - they truly believe they are above the law. 

Even after I filed with Cfpb they submitted the same letter to Cfpb they sent to me none of the letters addressed the issue as I outlined and the fact the knew nothing would happen to them with me filing the complaint. When I looked at Cfpb 's web site there are pages and pages against Nationstar, I will keep submitting complaints and maybe just maybe the Federal Trade Commission will begin an investigation if they have not already done so. 

I have each and every document since XXXX 2013 this is XXXX of the reasons they double-talk in their responses. I even asked them to have a face to face with me nothing happened.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (IN).
Issue: Money was not available when promised

Complaint: I am still missing my wire transfer and it was NEVER credited to my coinbase account. Details are as follows:Name on a/c: XXXX XXXXAmount: $XXXXSending Bank: XXXX XXXX XXXX XXXXDate Sent: XX/XX/18Fed Ref for wire tracking: XXXXReceiving Bank:  XXXX XXXX XXXXRecipient:  CoinbaseCoinbase Ref #: XXXXMy telephone # XXXXMy funds have been in limbo too long and I was charged a $XXXX fee for wiring these funds. This is very disappointing & difficult to understand how it could possibly take this long to credit or deposit funds into my Coinbase account or refund my wire back to my bank acct.I have called XXXX XXXX XXXX, they acknowledge receipt of the funds and stated this is a Coinbase problem.  The only way to contact Coinbase is "online" support tickets, which they send preformatted responses to customer inquiries.  No one has taken ownership of this issue nor replied where my missing funds have gone.  Coinbase claims to be FDIC insured.  How can a bank or brokerage firm be govt regulated and operate with impunity?

Company response to consumer: Closed with explanation