milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/18/2016 about Consumer Loan (Installment loan) with SYNCHRONY FINANCIAL (CA).
Issue: Managing the loan or lease

Complaint: The week of XX/XX/XXXX I purchased a TV from XXXX, A recently dissolved business. Immediately after purchase in XX/XX/XXXX, I contacted Synchrony Bank and XXXX XXXX, but mostly Synchrony bank re an extension of a promotion to extend payment period of NO interest charged from 6 months to 12 months. There is a recording on file and a date and a customer service agent attached to this extension. Synchrony bank refuses to honor this agreement and have sent to Synchrony management allthe documents given to me by the Insolvency agents that state that Synchrony is resposible for this issue. They also state that the store, XXXX XXXX, owes me a store credit. 
I 'm tired of asking Synchrony to fix this issue.They may tell me how much acrued charges are to attach to the estate XXXX. but they refuse to ackowledge anything. They keep asking me to contact a business that has been dissolved and the issue at hand, is the extension issued by during the recorded call they refuse to investigate. The date of this call is the date Synchrony began to collect {$110.00} dollars a month instead of the minimum. All of this done with calculation to conclude succesful payment with no interest before the due date XX/XX/XXXX. Please help me because if there were a court to take this bank to and subpoena the recordings of customer service, I would do it. Ihave submitted all emails relating to the discussion with a lawyer from XXXX XXXX estate insolvency group to Synchrony Bank. Please ask the Bank for this as this makes my argument real clear. I have in my records of e mails this also.However I am unable to upload it here.

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 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I 've been unable to pay. Was put on a payment plan that I did n't know about it ca n't afford to pay and I 've stated this to them.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On Yesterday, I received a response from Transunion about these unauthorized inquiries. They stated that the inquiries will fall off in two years, but in my complaint I asked that these inquiries be properly investigated and I also wanted to receive a copy of proof of how these inquiries were verified. I never received proof of verification of these inquiries therefore they should be removed from my credit report. I never gave these companies permission to view my credit report. I 'm also aware that according to my FCRA rights, inaccurate information is n't allowed to be on my credit report. I DEMAND that these inquiries are REMOVED immediately. The inquiries are : XXXX- XXXX/XXXX/XXXX XXXX- XXXX/XXXX/XXXX XXXX XXXX- XXXX/XXXX/XXXX XXXX XXXX- XXXX/XXXX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2016 about Debt collection (Medical) with CREDICO. INC (SD).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: I faxed as well as supplied the clerk of courts in XXXX, SD a copy of a cease and desist letter to Credit collections this cease and desist letter at this time which was part of a suit against me also supplied a current address at the time since they were using a former address and family member to serve me as well as send letters knowing this was not and had not been my current address since XXXX. They are constantly calling my cell phone and obliviously using still my former address since I have not received one letter from them at the correct address which was valid up to XX/XX/XXXX. They have gone so far as having me served at the former address where ex family member thought it was important they actually accepted the documents thinking it was an emergency. They have also called my children phone numbers since XXXX which the cease and desist letter also states not to call those numbers or any 3rd parties numbers either which they have also. By sending information to non authorized 3rd parties they are also violating hills laws.

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: As per guidance from my bankruptcy attorney, I sent a letter request to TransUnion on XXXX XXXX, 2017 requesting my free copy of my credit report. Along with the letter, i included a copy of my drivers license and my social security card. 
I received a letter back from TransUnion stating that my request couldnt be processed because they need proof of current mailing address. I provided my driver license which has my mailing address and is listed on their letter as an acceptable form of proof of address, on the reverse side of this letter is a form to fill out which includes payment ( visa, mc, etc. ) Therefore they are refusing to fill my request because they want payment?? 
I called Transunion today and spoke to a representative XXXX who said he had my credit report up in front of him and that i can go to the website and request the copy. i do not wish to submit my personal information ( including ss # ) on their wensite. I am entitled to a free report. 
This is a scam as transunion is only looking for customers to pay for their credit report even if they are entitled to one per year for free. 
Very disappointed and untrustworthy. very unfair business practices. 
Please assist.

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 07-01-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have a XXXX in state of California with my dad. We opened the company back in XX/XX/XXXX and had some employees at the time. So we fell behind with payment for Employment Development department ( EDD ). So in XX/XX/XXXX and XX/XX/XXXX they put few liens on the accounts. Since then we resolve all the past due balance with EDD and are in good standings, but they wo n't remove the state tax lien from my credit report and is really frustrating. The name of the business is XXXX XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2016 about Payday loan () with ACE CASH EXPRESS, INC. (FL).
Issue: Can't contact lender

Complaint: i received a loan from ACE cash advance back in XXXX, i filed for bankruptcy. i do n't believe the loan was including in the bankruptcy, but they have been threatening me with lawsuits and contacting all of my family members with threats and subpoenas as well. they call be at all hours of the days. leave several messages. they are harassing my family. they stated that they have information to contact me that i never provided and does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have a hard credit inquiry on my credit from XXXX. I found out it is from XXXX. I never applied for a card and this is causing a negative effect on my credit. What do I do to have it removed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2017 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (MI).
Issue: Account opening, closing, or management

Complaint: XX/XX/2017 I went into a Chase branch in XXXX XXXX, MI to apply for a checking, saving, and credit card. I was approved for the checking and savings accounts, which offered a {$500.00} bonus ( {$300.00} for checking and {$200.00} for savings accounts ) for creating both, provided a few conditions were met : namely, setting up Direct Deposit for the checking account within 60 days and depositing and keeping {$15000.00} into the savings account for 90 days. I made an initial deposit of {$1500.00} into the checking account, and {$15000.00} into the savings account, fulfilling all the conditions except direct deposit, which I was in the process of setting up. The offer stipulates that the bonus would be deposited within 10 business days. 

I began using the account as I normally would for a primary checking account. I made a mobile deposit of {$5.00}, and initiated an ACH transfer of {$100.00} from my old checking account. 

However, just two days later, I received a phone call from XXXX XXXX, the CSR who set up my accounts at the Chase Branch. He informed me that Chase was closing my accounts in the next 10 days, and that I would need to come by the branch in the next couple days to pick up a check for the balance of all my accounts. I was told no bonus would be given, despite me having met the conditions thus far. Conversely, I had no disqualifying behavior according to their terms ( e.g. I had never taken advantage of a previous checking/savings bonus ) Chase breached this contract on their own, is holding {$16000.00}, and should now have to pay the {$500.00} bonus I would have earned if they did not take this action. 

In short, I relied on their promise to pay me a {$500.00} bonus and would not have set up these accounts but for that promise being made. In return, I received nothing and Chase is earning interest on my money while making a false promise. This is unfair and Chase should be held accountable for their promises and advertisements.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2016 about Mortgage (Conventional fixed mortgage) with STONEGATE MORTGAGE CORPORATION (VA).
Issue: Loan servicing, payments, escrow account

Complaint: In order to resolve a long standing issue we had with Stonegate Mortgage they offered us a refund of four months of interest on XXXX/XXXX/XXXX. That email requested that we confirm that we would consider the matter closed by accepting those terms and we responded accordingly that same day. The following day, they sent us a formal letter ( attached ) with those same terms via the XXXX complaint that we had open. The week of XXXX/XXXX/XXXX we received a check from Stonegate Mortgage, but it was nowhere near the amount they offered us and to which we agreed. The check was in the amount of {$690.00} and we paid nearly {$1900.00} in interest over those four months. We emailed the executives and attorneys that were copied in on the letter concerning the discrepancy XXXX/XXXX/XXXX. We were essentially told what was stated in the offer was not what they meant, we responded reiterating the terms we agreed to, and they stopped responding despite several follow up emails.

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 01/16/2017 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (UT).
Issue: Problems when you are unable to pay

Complaint: Chrysler Capital is reporting a Charge off on my credit, but it is not a charge off, it is current. Its affecting me from being able to refinance that car because it looks like it is a charged off repossession but it is not.

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2015 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: After submitting dispute information with credit report agency I 've received no final response.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (OR).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: My Dept of Ed loans were being serviced by XXXX, when I submitted a Public Service Loan Forgiveness affidavit of public service activity that I wanted credited toward my XXXX months of payments. This was received around XX/XX/2016. I was then notified sometime around XX/XX/2016 that my loan was being transferred to PHEAA ( or Fedloan ) for servicing due to my qualification for the PSLF program. This was at the same time that I had turned in a renewed IBR plan request to XXXX ( in XX/XX/2016 ). XXXX notified me that my IBR plan request had been accepted and that I would " soon '' learn what my new payment was to be. However, they transferred my Department of Ed loans without telling me what my new payment would be. My loans disappeared from the XXXX online system and XXXX customer service was unable to tell me what the payment would be. I created a Fedloan account but the online account contained no information about my loans from XXXX through XXXX. I called Fedloan to inquire as to when my payment would be due and what it would be, and the customer service agent told me that the loan transfer was " in process '' and she could not tell me what my loan amount was or when it was due, and that I would be notified when the loan transfer was complete. I repeatedly logged in to my Fedloan account and found it empty with no payment listed as due and no loan information, until one day I logged in and it showed my loans with the new payment information and told me that I had a payment that was past due and " delinquent. '' I was never notified of the loan payment due date or amount. I had my loans on autopay with navient and was never late for a payment, but this information did not appear to transfer with my loan. Fedloan did not attempt in any way to contact me to tell me I had a payment due, in spite of me being extremely proactive in trying to pay my loan on time. It appears to me that information about when my loan payment would be due and how much was deliberately withheld from me in order to make me late for this payment. It appears to me that there is a systematic issue with loan transfers that obfuscated basic information from me that was necessary to make on time payments. Had I not been proactive, who knows how long fedloan would have sat on my " delinquent '' loan without contacting me. I gave them my email, phone, address and called them and logged on repeatedly in an attempt to know the basic information about my loan, which they withheld from me until after the payment appeared to be due.

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2015 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Midland Credit Management calls via their telephone number, XXXX. They call different times of the day and day after day. I answer the telephone and say " hello '' ; however, no one on the other end ever speaks. If the answering machine picks up, no one leaves a message. Two weeks ago, I dialed XXXX after a call and learned the telephone number calling me is XXXX. I called this number and spoke to a customer service person. The person said that they are trying to reach XXXX XXXX. I informed them that I am not XXXX XXXX. XXXX XXXX had the telephone number that they call 11 years ago. I requested that they stop calling. The person responded that they would stop calling. The calls stopped for a few days and have resumed.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: From XX/XX/XXXX to XX/XX/XXXX there has been several hard inquires that I did not authorize and they refuse to validate the applications and remove if no application for credit is verified. I have attached 2 examples where these hard inquires have not be accurately verified and validated.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2015 about Credit card () with SYNCHRONY FINANCIAL (MI).
Issue: Transaction issue

Complaint: On XXXX XXXX 2015, I made XXXX payments of {$100.00} each from XXXX separate accounts. XXXX of the transaction was withdrawn from XXXX of my bank accounts. I have statements proving the {$100.00} withdrawn that I had faxed to them But my statement from synchrony bank shows that XXXX transactions were reversed. At this point synchrony bank is not willing to give me the credit despite me making the payment. I have called them several times trying to resolve this issue but have gotten nowhere with them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/15/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: There was a collection on my account that was inaccurate and the company sent proper paperwork to have it removed but TransUnion has refused to update my account. I have payed many accounts to XXXX balance and reports and scores are not reflecting my current credit standing. I also have lots of old student loan accounts that were consolidated into XXXX accounts. The credit bureaus continue to reflect these accounts as open instead of closed. I have been diligent about cleaning up my credit but i need the credit bureas scores and reports to reflect my positive credit history.

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 07-04-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. ().
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: On XXXX XXXX, 2017, I called Navient as my payment was due. I work and live in XXXX and have been able to previously set up reoccurring payments through my foreign debit card since I can not pay through an international bank. This call was meant to set up a new round of these reoccurring payments via a debit card.
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While we were setting up the new payments I was informed that I was 2 payments overdue. I asked if they could see why since I was covered until the XXXX XXXX payment. They said they could only see that the payment did not take.
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While processing the order to set up the new reoccuring payments and pay for the 2 overdue payments, they state my card would not go through because their system was viewing my debit card as a credit card and would not allow the payment. Apparently 2 months prior they decided they would not longer accept credit card payments which is why I was two months behind even though I was not informed my card would no longer be accepted.
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Since I have been working and living abroad for the past five years, using my foreign debit card was the only way I could make payments on my loan. They are now telling me that it is not an option only because their system deems my debit card as a credit card.
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They have given me no feasible options to correct this and given the time to find any sort of solution I will now be three payments behind and have to deal with those fees.
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It seems counter-intuitive that they refuse to help someone who is trying to pay back their loans just because they work and live abroad and do not have access to a XXXX XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XXXX use my identity and share my information with another person and there is 16 unauthorize hard inquiries on my credit report.My credit scores is around 500. 

Also XXXX and Experian has n't deleted the negatives of unauthorize hard inquiries and negatives after Bankruptcy chapter XXXX on XXXX XXXX it was discharged on XXXX XXXX by Federal Judge.

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 06-11-2016 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Called 16 times in 4 day period after told not to call.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/20/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (FL).
Issue: Money was not available when promised

Complaint: I had initiated a wire transfer on XXXX XXXX, 2017, and when the funds were promised on the same of payment, they were not credited to my account on XXXX, a Coinbase trading platform for ecurrency. The wire transfer had completed, as I received confirmation from my bank account, however, the funds are not there for trading, or even viewing. This is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My information was breached in the Equifax hack that occurred on or before XXXX 2017. All of my personal data was stolen, including SSN, full name, addresses, credit card numbers, and more.
Equifax stored the information with a very low level of security that made this possible. If they followed correct encryption and sensitive data storage practices, my information would be safe.

Company response to consumer: Closed with explanation