milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-06-2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (FL).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: Synchrony Financial / XXXX XXXX Credit Card Opened XXXX ( Credit Inquiry ) Paid off : XXXX Closed : XXXX ( Negatively hit Credit Report ) I used this store credit card to purchase tires. The vehicle that I had at the time was sold and a new car purchased in XXXX. I have n't needed tires yet, but I will need them in a month or two. I got notification from XXXX XXXX that the account was closed on the XXXX of XXXX. I called Synchrony Financial and asked them why. They said due to inactivity. I have other XXXX accounts XXXX XXXX, etc ) and they have had inactivity on them and they do n't auto close. The representative on the phone said that they can not re-open the account and there was n't anything they could do to help me. I was n't given any notice that the account would close ( not in email or written form ). I do not feel that a financial institution should have the right to negatively affect ones credit without their knowledge. Because I accepted the hit to my credit when I signed up for the card. I however did not accept the hit to my credit when they arbitrarily closed my account without prior knowledge or consent. I do not believe credit card issuing banks should have this right unless it is spelled out in their terms of service or notification to the customer is made.

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 05-12-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with C & M Associates Group, Inc. (NC).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I received a call on XXXX/XXXX/XXXX from a " XXXX '', who did n't say what organization she was from until I asked. She said she was with C & M Associates group trying to collect a debt from a XXXX XXXX Account I had. When I questioned the validity of the debt and asked to speak to a manager to obtain more information regarding the amount and more specific details, I was referred to a XXXX XXXX who essentially berated me on the phone in a derogatory manner. When I asked for his address or physical location address he could n't provide one. On XXXX/XXXX/XXXX -- The next day I called XXXX XXXX XXXX, but they were unable to provide an update status due to the age of the account, they could n't tell me how much was owed, what was rented or the last date of payment or what address it was associated with. It just stated it was a " skip '' account, but nothing more. The fact that they it did list an account, I assumed perhaps the account was valid, so I called the collection agency back to see what arrangements could be made to settle account. ( Note this account is not appearing on my credit file currently ). She ( XXXX ) said they would be able to settle the account from the {$5000.00} that was owed to {$1000.00} via way of 5 monthly bank drafts which I had initially agreed to. But then when I hung up and researched the company more, I could n't find them on the internet, no physical location listed or anything. I did see numerous complaints filed via XXXX though. The one phone number I did find was an XXXX #, and when I called it, an " XXXX '' answered the phone but she sounded very much like " XXXX ''. XXXX said that once the arrangement was made she would be sending me a confirmation email of the arrangement. I have yet to receive such confirmation. By XXXX, I contacted my bank to close out my account for I felt that request was payment was fraudelent and changed my phone number also to prevent harrassment. This person was also calling my family members harrassing them. I was advised to contact the police who advised me that this sounded like a collection scam and that I should contact the FTC -- who advised me that I should file a complete here with Consumer Finance. If possible, please stop the activities of this collection agency. This is the only number I have for them XXXX XXXX XXXX. Any assistance you can provide would be great. If I do owe XXXX, I would gladly work with XXXX to get that resolved, but they do n't even have that information in their system anymore. What would be my rights be at this point for an account that old when the company has no record of any information for that account. Any information you can provide would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2017 about Mortgage (Conventional home mortgage) with Dovenmuehle Mortgage, Inc. (NC).
Issue: Trouble during payment process

Complaint: My name is XXXX XXXX. The payment collection of my mortgage loan number XXXX was being serviced by XXXX XXXX XXXX XXXX until XXXX XXXX, 2017 when it was transferred to Dovenmuehle Mortgage Inc. As a result of this change I ended up paying twice the monthly installment ( {$1300.00} ) for the month of XXXX XXXX. One payment was made on X/X/2017 to XXXX XXXX XXXX and the second payment was made on X/X/2017 to XXXX Mortgage. A few days after receiveing this last payment XXXX XXXX XXXX transferred it to Dovenmuehle Mortgage. That 's how Dovenmuehle Mortgage end up with double mortgage payment for the month of XXXX 2017. I have made multiple requests to Dovenmuehle Mortgage Inc. to reimburse this double payment ( for the amount of {$1300.00} ) to  me in a form of a check. It has been two months now since my initial request, and despite I have contacted them twice ( last time talking to an Agent named XXXX ), Dovenmuehle Mortgage has refused to send me a check. Dovenmuehle Mortgage Inc. address is : XXXX XXXX XXXX, XXXX, PA XXXX and their phone number is XXXX. Please help me get my money back as I have no other means to deal with this bank. Respectfully, XXXX XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2015 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: In XXXX, I missed a payment on my mortgage due to a miscommunication between my wife and i. We are in the process of switchign jobs and relocating, and the issue just slipped through the cracks ... we each thought we had paid the bill. When we realized this mistake, we called XXXX and apologized, and rushed a payment. XXXX at the time told us that they would not report to the credit agencies since we had been on time for so long. 

Last week, i checked our credit reports and learned that us bank had in fact reported it. I called us bank, who said they were unwilling to correct their mistake, and they would not honor the promise they made to me when i called in XXXX. 

My own opinion is that this is a prime example of the banks punishing a consumer unnecesarily when they are trying to do the right thing, and I would like XXXX to rescind the report, and for experian to re-calculate my credit with a good payment record. 

Also, as a side note, we have paid this mortgage on time for many years.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have a tax lien on Equifax. I am not disputing that I owe taxes, I pay a monthly sum to IRS every month. What I have been trying to get cleared up with Equifax is that they are reporting incorrectly. I sent the first dispute out on XXXX XXXX, XXXX nd since then have received 3 letters from Equifax stating they have validated that the tax lien is reported correctly. I have asked for proof of validation and they state they validate with the court. I know for a fact that they are reporting incorrectly and also that the IRS does not validate anything, including the $ amount of the tax lien. Equifax is refusing to remove the tax lien from my credit report and I feel that they are taking advantage of consumers and are getting away with incorrect reporting. The lien was filed in XX/XX/XXXX and the amount has changed since that time and is not correct at all. Equifax s not following the Fair Consumer Reporting act that states the following : " Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and 52 611 - 15 U.S.C. 1681i ( ii ) promptly notify the furnisher of that information that information has been modified or deleted from the file of the consumer. '' What I clearly have is an unverifiable tax lien thats reported inaccurately and is really hurting my life.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Mortgage (FHA mortgage) with Seterus, Inc. (NJ).
Issue: Struggling to pay mortgage

Complaint: I been paying on a trail for a medication from Seterus since XX/XX/XXXX 2017!! loan number XXXX Now it going on 8 months and still no medication.. Call them and they tell me everything looks good and it taking sum time!!! Never missed a payment and put extra money in to escrow!!!

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: I got an alert there was a change to my credit report on XX/XX/2018 a CITICARDS CBNA  flagged on XXXX   Account type  Affected by natural or declared disaster balance USD XXXX 
I did not apply for this account I suspect Fraud.

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 01/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Law Offices of Hayt, Hayt & Landau, LLC (PA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I never Borrowed the amount of money this law firm from XXXX XXXX is trying to get, they are reporting inaccurate amount of fees and penalty on my credit report stating that i owe them XXXX which i never borrowing from any credit card company. i disputed this account directly with the with this law firm, i never got any original contract, no supporting document, they only send me a copy of purchases made on that account but no proof that i own this company but the derogatory marks remained on my report. If they are n't able to remove this negative that 's really affecting my family live, i will like them to provide full verification and contract of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Debt collection (Auto debt) with GENERAL MOTORS FINANCIAL COMPANY, INC. (MI).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: As a big believer, when you go to replace your car or truck, I was so exited to replace my truck for another truck, razon why??, is because start to put much money in repairs and I diced to replace for another and get better payments, at the bigining tell the owner, How much you give me for my truck he says the best I can go is XXXXdlls and i believe him, after that you have to sign the many papers you have to sign, I did because most of the time you do not have the time to read word by word for those papers they tell you this is for this and this and this just sign rigth here, so you believe in them, so 2 months later I found out he give me only XXXX dlls, and I try to fix it with him and special the financial person and always no I do not remember, really, so I try to make my payments wich was XXXX dlls high that i use to for the other one, when i was really clear I want lower my payment tha 's why I diced for lease this time, after two years diced to return it because I can not handle the payments, I return the truck, nothing happen, 8 months later they send I bill for XXXX dlls, and back that time two years ago, I was in other situation so I can not continue paying this truck because they lie to me, I was filling they involve me with the bla bla bla way they use to try to make it happen the sell and I do not press to much attention and I fill was distraction on the way they offer me the truck, in particular the person in charge of the financial part, so now is in my credit record that I supust own them that type of money, they sell the truck all ready to another and now I can even apply for another car loan, they say is gone a be for ever, no body want to give a car, I family for GM, and I fill really bad with my person because I do not take the time to read everything, I was under believe that my 1st payment was a little high because I do not put money down so when the second payment came that 's when I found out, I really hope who ever concern to this matter any body can help me because they abuse the TRUST always we put on them when we go get any type a car, I really for more exited we can be at that moment we have to take the time to read everything and they tey try to tell you best deal, week and all the things they use for convence us, so tha 's what happen and they tell me in some delers you do not get a car easy any more and is in my credit report and has been affect me, one more time, I do not happen to any one special in my XXXX community any where in the USA.

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 02/24/2017 about Mortgage (FHA mortgage) with AmeriHome Mortgage Company, LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: After Amerihome Mortgage Company LLC failed to contact me about the status of my property tax payments for 2016, I contacted the company customer support line. I received information that my local and county property taxes had been paid to the amount of {$1200.00} and {$640.00} in early XX/XX/XXXX. However, my mortgage payments for the year ... the part included as escrow to cover my estimated tax payments, exceeded this taxable amount. The total was {$3300.00} so I am due a refund, was assured that the Tax Department was working on my case and that they would issue a refund check. 
AmeriHome has not attempted to contact me, other than to send the monthly billing statements so I contacted the customer support line once again. I was told by customer support that that my situation had not been reviewed and that I would need to wait for this review process to take place before receiving my due refund. I asked to speak to a manager or supervisor, was put on hold for 5 minutes and then I was disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2015 about Debt collection (Payday loan) with Check City Partnership, LLC (NJ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I took out a loan for {$50.00} from Check City in XXXX XXXX, NV ( on XXXX & XXXX ) and was suppose to pay it back the week after I took out the loan. But im currently unemployed with no income so Im not able to make the payment just yet. They repeatedly call me every week and leave voicemail from XXXX XXXX XXXX. I also receive phone calls from blocked numbers and when I answer it says " Thanks for calling us back, I 'll transfer you over to one of our debt collectors, '' then a representative from Check City answers.

Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2018 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: XXXX XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX   XXXX California XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX : XXXX XXXX Account Number : XXXX Balance : $ SSN : XXXX DOB : XX/XX/XXXX To Whom It May Concern : XXXX   XXXX I would like to make arrangements to settle the above referenced matter. 


Please provide me with your statement of the amount owing as of ( XX/XX/2018 ), together with your assurance that you will accept payment in direct and immediate exchange for the original instrument of indebtedness in its original form. 



Thank you very much. 


XXXX XXXX XXXX, XXXX - Without Prejudice UCC 1-308 )

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 10/28/2015 about Debt collection (Federal student loan) with Collection Technology Incorporated (TX).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: My student loans are with a company called XXXX and XXXX XXXX whom I am on a forbearance XXXX. I started working on my credit. My credit report last month showed XXXX XXXX XXXX reported me XX/XX/XXXX Delinquent. I thought that was weird because my loan has not been with them XX/XX/XXXX. It was transferred to another agency. Then two weeks ago I get a letter XXXX. I opened it and it did not have the date they sent the letter to me. Instead it shows a pay due date XX/XX/XXXX and a total balance XX/XX/XXXX. Then they provided an email address that shows XXXX. So I go to that website and XXXX it routes me to a website XXXX. Red flags go up immediately. Then I googled the number they provided XXXX. The number showed up for Collection Technology Inc. This is the company which XXXX XXXX sent my loan to when I defaulted XX/XX/XXXX. They set me up on a program where I paid for a Year straight and my loan was sent back to regular servicing after the rehabilitation program was completed. I do n't understand why four years later they start reporting me negatively on my credit and start sending me bills. My loans are not with them. They are trying to collect on loans that are not with them and reporting me. I work in mortgage and I am trained very well on FDCPA laws. This is a major violation. They are acting and sending letters under the XXXX XXXX XXXX XXXX name. They provided a website like it was a government website but instead it routed to their website and worst of all reporting negatively on my credit for a loan they do not have. I will take whatever route needed because this company is hurting me and violating FDCPA. I am a single parent who is trying to get a mortgage loan and this company is hurting my credit reporting on a debt they do not have. I will take whatever legal action needed to get this resolved.

Company response to consumer: Closed
Consumer complaint received 12/30/2016 about Debt collection (I do not know) with Lustig, Glaser & Wilson, P.C. (NH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Multiple robo-calls left on my answering machine. They refer to a XXXX XXXX XXXX, which is not me.

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2015 about Consumer Loan (Vehicle loan) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Shopping for a loan or lease

Complaint: I purchased a vehicle cautiously with the assistance of my co borrower and made it known to the dealer that I was not 100 % sold on the vehicle. I was advised that I could return the vehicle within 30 days for something else if I was not happy with my purchase. I was not happy with the vehicle and returned it to the dealer and received a return receipt. After a couple of months I receive correspondence from the finance company about unpaid debt. I received a further call from the finance companies detective who clarified that the car was indeed in the possession of the dealer who was unaware of its return. I made this known to the collection agent who was servicing the account and forwarded the necessary documents and letter or explanation but the issue was never amended. The debt has been sold to another collections agent who is now harassing me for a debt that does not exist.

Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2017 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: Other problem getting your report or credit score

Complaint: Sent letters to all  XXXX  agencies -- -got reports from  XXXX  and  XXXX  BUT ONLY GOT RETURNED LETTER TWICE FROM TRANSUNION  XXXX  CAN NOT GET THROUGH TO THEM IN ANY FORM. HAVE MANY CORRECTIONS TO MAKE ON ALL  XXXX  DUE TO VERY OLD DEAD ACCOUNTS AND VERY OLD CLOSED ACCOUNTS.     IT IS BECAUSE OF THIS VERY OLD INFORMATION THAT I BELIEVE MY IDENTITY HAD BEEN STOLEN TO BEGIN WITH!!!!!!     CAN YOU HELP ME???????     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 explanation
Consumer complaint received 10/17/2015 about Consumer Loan (Installment loan) with SYNCHRONY FINANCIAL (VT).
Issue: Managing the loan or lease

Complaint: I secured a loan from Synchrony Bank on XXXX/XXXX/2015 for $ XXXXXXXXI repaid the loan in full on XXXX/XXXX/2015By mistake I paid again on XXXX/XXXX/2015I reported this overpayment of {$23000.00} on XXXX/XXXX/2015 and asked for my money backThey said they would send it within 5-15 daysThey never sent it. I 've called several times to request the money, most recently today. 
Now they are telling me I have to wait 5-15 days again!

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2016 about Mortgage (Conventional fixed mortgage) with PROVIDENT FUNDING ASSOCIATES (CO).
Issue: Loan servicing, payments, escrow account

Complaint: I had hail damage to my house ( primarily the roof ). The insurance company made the check out to me and my mortgage company, Provident Funding. Provident funding asked me to endorse and send the check to them, but they would not provide me in writing the procedure and terms to get the funds released. I am wary to give them the funds unless I have the release procedures in writing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation