milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/22/2015 about Credit card () with SYNCHRONY FINANCIAL (NY).
Issue: Late fee

Complaint: A TJ Maxx credit card issued by Synchrony Bank at a Homegoods store in XXXX XXXX, NY never handed me any term and conditions. They used my driver 's license for me to apply. They then gave me a shopping pass with no other related information. 
I used the temporary shopping pass and a few weeks later moved. I called them to let them know I never received a card or terms of agreement so I did n't know when it was due or what the interest rate was. I had them update my new address and take payment. The payment was only XXXX day late, but since they had a note that my mail had been returned and was being forwarded to a new address, they removed the late fee. They gave me information saying my payment was due the XXXX of each month. 

I called to make a payment yesterday, XXXX XXXX, 2014 around XXXX after I returned home from working and their phones were not ringing, but making a strange sound. I tried several times to call and gave up. Today, XXXX XXXX I called this afternoon only to find out a {$25.00} late fee was assessed. I was informed it was due on the XXXX and now they changed it and said it was due on the XXXX and that there was no grace period. It had n't even been XXXX hours since I tried to pay and they 're saying I have to pay the late fee and that they can not reverse the late fee because they did it before. I explained the XXXX part was their error, but she said she could not do it.. I only had a {$28.00} balance and now it 's {$53.00}! Because they gave me wrong and confusing information and because they give you absolutely no grace period.. Not even XXXX day. They also said I signed up for paperless statements when I did not. I searched my email up and down for a half an hour and there are no emailed statements! What a load of XXXX. So this whole time I never even received XXXX statement. I still have no idea what the interest rate is. I called later in the day to speak with a supervisor and they were no help and blamed me for the whole thing. She absolutely refused to reverse any fees. 

This is so unfair and I and struggling financially right now and ca n't afford to unfairly pay a greed-driven, unwarranted late fee. It was n't even XXXX hours late. I need help this is so unfair. I do n't have an address for them, but their phone number is XXXX. 

Please help, thank you for anything you can do. - XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/17/2015 about Mortgage (FHA mortgage) with LoanCare, LLC (TN).
Issue: Loan modification,collection,foreclosure

Complaint: My mortgage servicer is trying to foreclose on my home. They 're saying that I failed to meet the requirements of my modification trial payment period. They sent me some documents via XXXX. I signed them and sent them back via the prepaid XXXX label that was required for me to use. I made copies of all documents sent to me. They 're saying my first payment was due XXXX XXXX, 2015, my documentation ( from the company ) says that my first payment was due XXXX XXXX, 2015, which was paid. The servicer is saying they have n't received the payment, which I know they have via bill pay through my bank account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2017 about Debt collection (Credit card debt) with TD BANK US HOLDING COMPANY (AZ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Looking for help in resolving a misunderstanding that has cost me {$140.00} in late fees and negative impact on credit report. Began earlier this year when I discovered my old Target credit card had expired I applied for a new one. I later learned, however, that my previous online profile does not carry over from one card to another and therefore, the settings I had in place to pay my account in full each month ( as I do with all my credit cards ), had been reset. In addition, I verified the settings were in place after the new purchase, but assume now I was seeing the old online profile. I assumed statements received were duplicative and the account was being paid. <P/>I never received other notifications from Target, by e-mail or by an identified phone caller. What I did receive, which I discovered in hindsight, were repeated robo-calls coming from a non-identified number that never left any voice mails. All this couldve been easily resolved with a simple phone message or e-mail notification. <P/>It was not until I received a letter from the collection agency that I became aware of the matter and when I did, I immediately brought my account up to date. However, by this point, there was no ability ( or willingness ) to adjust late fees and my original a {$56.00} purchase had ballooned to nearly {$180.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2017 about Debt collection (Medical) with LJ Ross Associates (MI).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Collection Agency refused to remove debt from credt file after amount that was reported was paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2016 about Mortgage (Conventional fixed mortgage) with Fidelity National Financial, Inc (OR).
Issue: Settlement process and costs

Complaint: I bought a newly constructed home. My lender stated that a " XXXX XXXX '' title insurance was sufficient for their needs and they wanted a clear title without exceptions. My seller complied with Oregon Homeowner Protection Act ( HPA ) by providing me a " XXXX '' title and maintaining a bond around mechanics ' liens. However, my title company insisted that I buy " XXXX '' insurance in order to provide lender a title without mechanics ' lien exception, which ended up costing me {$880.00} more compared to " XXXX ''. They said whether the seller maintains a bond is immaterial and I need to pay them the extra premium to remove the exception and get my lender a clear title. To me, it felt unfair because my seller has already de-risked buyer/lender against the risk of mechanics ' lien by complying with HPA. The title company bore XXXX risk while collecting {$880.00} additional premium. My seller selected the title company and I had to close on time, so I agreed to paying the extra premium but I felt strong-armed. It feels unfair at best and illegal at worst that I had to pay {$880.00} extra to my Title company to cover a non-existent risk.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OK).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I found an unauthorized charge in delinquent status on my credit report. It was from a credit card that I have never used, but had the account open ( online nor the card itself  ). I disputed it on  XXXX  Dispute and  reported back that the information on the report is accurate. I am unsure what that means, and have not been able to reach out. I called the credit card company,  XXXX , and told customer service that the charge on that account was fraudule nt (   XXXX  charge for  XXXX   ), s o she turned off the account and anyone authorized users, and marked the transactions as fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Diversified Consultants, Inc. (MO).
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: A collection from diversified consultants was listed on my credit report for {$580.00} for XXXX XXXX. They did not send me any notification they were placing this on my credit report. This is not my debt and I can provide proof that whatever address was in service for this debt, I did not live At. They can NOT validate the debt as this is n't my debt. I am tired of this debt that 's not even mine being passed around and sold after proving the debt is n't mine. I will be filing suit at the attorney generals office if this is sold again and not immediately deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/26/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Billing disputes

Complaint: rec a ltr that my acct was cr for XXXX this was n't done, and want of statementsements from XXXX to current to see where this cr was issue, as they are now revesring it and putting it bk to the acct.

Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2015 about Credit reporting () with Experian Information Solutions Inc. (WV).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: Additional document to support disputes found on case numbers : XXXX ; XXXX ; XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft and someone used my identity and personal information to open up a XXXX XXXX XXXX account ending in : XXXX, I have never applied for a XXXX XXXX XXXX. The account is fraudulent, unauthorized and dont belong to me. I didnt apply for a XXXX XXXX XXXX account.

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 03-02-2018 about Vehicle loan or lease (Loan) with NISSAN MOTOR ACCEPTANCE CORPORATION (FL).
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint: On XX/XX/2018, I had an issue with my tire and needed to obtain proof of additional products purchased ( Road Hazard ) to get assistance in the current city I live in ( XXXX, FL ). Due to me not having the documents needed, I tried to contact XXXX FL XXXX and my calls was never returned and when I got through to Sales I was denied assistance. 

I then reached out to corporate and made a complaint ( XXXX # XXXX ) and requested to cancel my XXXX XXXX extended warranty and additional products purchased through the dealership ( GAP and Road Hazard ). XXXX XXXX promptly processed my request to cancel my extended warranty ( Case # XXXX ) but I am still having issues cancelling my GAP and Road Hazard because the XXXX FL dealership is giving me the " run around '' to process the request. 

Due to the numerous issues I am having with XXXX and being tied to a vehicle loan, I only wish to pay my car loan and obtain other business needed with another company ( GAP/ Road Hazard ). 

On XX/XX/2018, I spoke with a specialist at XXXX  named " XXXX '' and left a voicemail explaining the issues with this dealership but I do not know what else to do. I will not and find it ridiculous that I drive or complete the process through mail with the dealership. I have done ever other request via phone/ electronic and I wish to proceed that way.

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2017 about Payday loan, title loan, or personal loan (Personal line of credit) with U.S. BANCORP (CA).
Issue: Getting a line of credit

Complaint: On the morning of Friday, XXXX XXXX 2017 I cashed a small check at the US Bank branch inside of XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. The teller took my ID and searched her computer for my account, spending what felt like far too long clicking around on her screen, then announced, How strange! You dont have overdraft protection on your account. Its a free service. Im not sure why you dont have it. I explained that I had just been bumped from Private Client services a few months back, perhaps basic checking features got lost in the shuffle when my account type changed. She proceeded to cash my check and ask me questions to verify my address and phone. Then a second gentleman who conducted himself more like a branch manager arrived with bundles of XXXX and XXXX for her drawer to fulfill my cash request and began to explain to me the features of my new line of credit. <P/>Wait, what?! Overdraft protection involves opening a line of credit? I was incredulous, You were about to open a line of credit in my name and mask it as helping me set up overdraft protection? The manager apologized and explained that he could see how this was confusing since most overdraft protection does not involve credit. He tried to further convince me by insisting that the credit inquiry would pay off with the added security I would enjoy. <P/>Now I was infuriated and feeling absolutely defrauded. The term overdraft protection is understood by consumers only as a courtesy feature of a checking account, not a mechanism to access borrowed funds. The feigned helpful tone and misleading language used to push a line of credit made me sick to my stomach ( and reminded me of XXXX XXXX ). <P/>A few hours later after logging in to the US Bank website I was assured, You Automatically Have Standard Overdraft Coverage. This also meant that the teller flat out lied to me this morning. <P/>I wrote and submitted this complaint to the Consumer Financial Protection Bureau in the hopes that others are not subjected to similar predatory marketing practices. <P/>Regards, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 03-01-2018 about Debt collection (Federal student loan debt) with Immediate Credit Recovery (OH).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: the company took my income tax for the total of {$2900.00} and then stated that it was for student loans but it was taken by a company that I neither have heard from by phone or email or mail itself and when I try to call them there is no response I get a voicemail and when someone finally calls they call at a time I can not answer and they leave a number and extension which all it does hang up on me

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EXETER FINANCE CORP. (MI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I was at a auto dealer on behalf of my brother as a cosigner. I ask the Salesperson to do not inquire my credit by more than one financial service ( creditor ). He agreed but I have three inquires on my credit report - XXXX XXXX, XXXX. In XXXX of XXXX I called the XXXX ( XXXX ) and asked why he did not follow our agreement and he 's response was that it was not him, it was his manager.

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Reviewed my credit alerts and notice that Transunion removed inquiries from my report and then reinserted them back on my report. I called to Transunion to resolve this situation and they did not want to resolve. My rights were violated under FCRA while I was not notified of any reinsertion of deleted items. I spoke with XXXX reps XXXX saying he was the supervisor named XXXX and he would not provide me the name of the rep I spoke to prior. All I wanted was for them to correct their mistake and remove the inquiries that should not have been reinserted without notification.

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 01/26/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: APR or interest rate

Complaint: hi I filed b.K IN 2010 I applied for a capital one credit card at a high rate interest rate however I knew this this was to get me back on my feet I have a credit score now of XXXX I have tried several times to talk to them they tell me to reapply for other cards with them I do they turn me down I call them to see if they can lower my interest they turn me down now I got a new statement they raised it now to XXXX per I need your help they are using my B.K and are robbing me

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (CT).
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 generated credit report by XXXX on XX/XX/XXXX and was surprised to see XXXX XXXX/Synchrony account/ XXXX XXXX XXXX and the charge. 
Detailed scenario is as follows '' I had visited XXXX XXXX XXXX, XXXX XXXX, CT on XX/XX/XXXX and purchased few items. On payment counter, I submitted my personal information along with my social security number to apply for XXXX XXXX   credit card. As per the executive at the payment counter, my credit card application could not be processed. Hence I had to swipe Discover credit card which I had that time. 

Apparently XXXX XXXX charged me {$37.00} to XXXX XXXX credit card instead of Discover credit card. When I tried to check my discover purchase history, I was unable to find the XXXX XXXX transaction. Also verified with Discover customer care that the transaction was not completed and hence can not be located. 

I am not agreeing to the disputed charges as the XXXX XXXX XXXX have not issued me any card till date. Also, I have never received any kind of communication. Not an email, letter notification or even a phone call, for the pending charges neither from XXXX XXXX nor from XXXX. 

I have approached myself to XXXX XXXX, XXXX XXXX  & then XXXX for clearing this pending amount appearing on credit report where I raised a dispute with XXXX. 

I received a letter from XXXX on XX/XX/XXXX stating " We have already responded to previous dispute same as the present dispute and the matter is closed from our side ''. I have attached all the communications from XXXX till date where they are not giving me proper response for the queries I raised. 

Could you please investigate this issue and help me to resolve this without penalty charges as this issue happened due to carelessness of XXXX XXXXXXXX XXXX. 

Appreciate your help, Thank you.

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 08-11-2017 about Debt collection (Medical debt) with Financial Corporation of America (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I have an agreed to payment plan with XXXX XXXX  XXXX that I have been paying on time every month. They wrongfully sent me to collections in XXXX XXXX. When I logged on to pay make my XXXX monthly payment, it said that I had a {$0.00} balance due and there was no way to make a payment ( attached in documents ). Shortly after I received letters from Financial Corporation Of America saying that I had been sent to collections and I needed to pay my balance in full. I contacted XXXX XXXX XXXX who assured me this was a mistake and said they fixed the account and it was taken out of collections and I was just to resume my normal monthly payments in XXXX. I requested a confirmation of this in writing from XXXX XXXX XXXX who refused to provide any documentation.
I sent a certified letter ( tracking and receipt in documents ) to Financial Corporation of America disputing the debt and providing documentation showing my account was active and payments were being remitted on time. In addition, I also contacted them to explain the situation. They told me XXXX XXXX XXXX had not informed them that my account was not past due and therefore should be removed from debt collections so they were going to continue to contact me to collect payment unless XXXX XXXX XXXX called them. They refused to call XXXX XXXX XXXX and confirm with them. I contacted XXXX XXXX XXXX AGAIN, asking for assistance. They assured me my account was not in collections and it showed that way in their system so according to the rep that was helping me " that 's all that matters and it does n't matter what the debt collection agency says ''. I refuted this and said I was concerned this would be reported to the credit bureau if not resolved in a timely manner and the rep said they would have their manager call over to the debt collection agency but it was probably just a lag in their system getting updated and I 'd have to wait a week. I AGAIN requested something in writing from XXXX XXXX  XXXX as confirmation that my account should be out of collections so I could forward that to the debt collection agency and they refused. The Financial Corporation of America debt collection agency has continued to contact me to collect payment and XXXX XXXX XXXX is still refusing to resolve this matter or provide any documentation that it has been resolved despite the fact that I 've made 2 payments to them and my account is up to date. I am at a loss and beyond frustrated at the amount of time I 've spent trying to fix XXXX XXXX XXXX 's mistake and their refusal to help while happily taking my money every month. Please help.

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 04/19/2017 about Debt collection (Payday loan) with Ad Astra Recovery Services Inc (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Someone obtain a payday loan in my name without my knowledge. I have tried several times to hav e Ad Astra  Recovery validate the debt but to no avail. I have received threating phone calls from debt collectors on my job and after  XXXX    XXXX   XXXX  t. On one occasion the debt collector insulted me and even asked if my parent taught me to not pay my bills. This issue has ruined my credit and taking a toll on my health.

Company response to consumer: Closed with explanation