milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/19/2016 about Consumer Loan (Installment loan) with SYNCHRONY FINANCIAL (CA).
Issue: Managing the loan or lease

Complaint: I purchased a mattress and decided to utilize the for 0 % financing option offered through XXXX XXXX XXXX and managed by Synchrony Bank. 

The payments commenced in XXXX XXXX. I opted thier mail option ; to pay by check and mail it in. ( I use the mail-in option for all of my monthly bills with other companies ). 

In XXXX XXXX, I had mailed my check on XXXX/XXXX/XXXX ( payments are due on the XXXX of each month ). The following month, the XXXX XXXX statement, I noticed a late fee. The payment I had sent on-time was posted on XXXX/XXXX/XXXX. 

I followed their dispute resolution process and sent a letter to them in XXXX. I never received a response. 

I sent a second letter in XXXX XXXX and again never received a response. 

I sent a XXXX letter in XXXX. I never received a response. 

I then finally received a response letter stating that they did not know why the check was posted late and would refund all the late fees and interest on my account. They did in fact correct the balance on my account. 

Now in XXXX of XXXX, I sent my payment as usual, however a week later, the XXXX XXXX returned my envelope to me. It was post-marked XXXX XXXX, XXXX, and the post office tag cited it as " XXXX/XXXX/XXXX return to sender : no such number : unable to forward ''. 

I double-checked the address on my statement as well as called the company, and I was told the address was correct. I explained that the envelope was returned to me, the representative stated they did not have an answer why, that it must have been a post office error. 

I decided to re-send the same unopened/sealed envelope, as is, on XXXX XXXX, XXXX. 

I also sent letter to their dispute department with a photocopy of the envelope clearly identifying the postmarks. 

My payment cleared my bank account on XXXX XXXX, so clearly they received the envelope, however, again it was posted late to my account. 

My XXXX statement arrive on XXXX XXXX with again, another late fee processed. 

I have sent the XXXX dispute letter for this charge and again included a photocopy of the envelope. I noted the post-marks, which clearly supports my suspicion that they are intentionally delaying payment processing. 

This is the second time in less than a year that Synchrony Bank has delayed processing my on-time payments. They still offer mail-in payments, yet they delay processing these payments and charge late fees. I believe they are purposefully doing this, whether to force a late fee charge, or through pure negligence and incompetence. Whatever the reason, they offer mail-in payments and thus should be able to process those payments appropriately and to industry standards. 

I have never had any problems with any other company processing my payments. On most occasions, my checks are clearing within XXXX5 days after I put them in the mail.

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 06/26/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: Wells Fargo had a promotion of {$250.00} if I open new checking account prior to XX/XX/XXXX and made a qualify deposit of greater than {$500.00}. On XX/XX/XXXX I opened checking account with and made direct deposit on ( XX/XX/XXXX and XX/XX/XXXX ). I had yet to receive the {$250.00} that was advertised.

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 11-12-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Feldman & Stern, LLC (IA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: A XXXX XXXX XXXX is calling / harassing my wife, me, and now my wife 's mother. He is calling on behalf of Feldman & Stern, LLC out of Florida, which I believe is a company created for just these types of scam opportunities. He is telling me that I have 24 hours to pay this debt that we have never heard of. Apparently the $ 100+ debt is from their client, XXXX XXXX, which we have n't been members of for about 5 years now. We contacted XXXX XXXX and are hoping they take this to the top. This debt collector email us a letter which we asked for and it look so un-professional with many errors. FAKE ... The address listed is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL. XXXX which is different than the address for this LLC on the secretary of state 's website for Florida. Anyway ... they gave a phone number which is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2015 about Debt collection (Credit card) with JH Portfolio Debt Equities, LLC (TN).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: I was at work and the person never would identify himself and kept asking me to identify myself, and when I did, I informed him that I needed to know who I was speaking with, he got smart and said I told you who I was and stated XXXX XXXX from XXXX XXXX. As I told him it was put in writing not to contact me and you should not be contacting me, he stated that he was calling in regards to collecting a debt, and I stated again that XXXX XXXX and the collection agencies that they have hired know not to call and he acted like it did not apply to him and kept harassing me with conversation regarding a debt, I am at work and I hung up and submitted this complaint

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (MA).
Issue: Loan servicing, payments, escrow account

Complaint: I was behind seven months on my mortgage this year. I paid my past balance completely and I have been up to date for the past 4 months. Wells Fargo late date is the XXXX of the month. I generally pay before the XXXX Wells Fargo starts calling the home and cell phone at least twice a day. starting on the XXXX day of the month. Is this harassment and legal? I have requested them to call if I am beyond their time period but they keep calling before the XXXX on. I have not been late. They are persistent and aggravating.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2015 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Facts : - My credit report shows a 60 day late payment on a student loan that was incorrectly filed as active ( not deferred ), when in fact the actual deferred pay start date is on XX/XX/XXXX. 

- On XX/XX/XXXX. I contacted the university about this issue, and they have informed me of their reporting error and contacted their partner lending agency. 

- From my understanding, the partner lending agency, XXXX XXXX XXXX, was contacted on XX/XX/XXXX of the reporting error. 

- On XX/XX/XXXX or XX/XX/XXXX, XXXX XXXX XXXX, claim to have updated the correct information. 

- I contacted both the University and XXXX XXXX XXXX to inform that that my credit report has not been updated on XX/XX/XXXX ( more than 30 days after my initial contact with them ) - I also filed a dispute with Equifax. 

- On XX/XX/XXXX, I received a letter from Equifax claiming that my dispute was denied and that " This creditor has verified to OUR company that the current status is being reported correctly. This creditor has verified to OUR company that the prior paying history is being reported correctly. This creditor/agency has verified to OUR company that the date of last activity is being reported correctly. " - I contacted XXXX and they informed me that they have updated my account on XX/XX/XXXX for the second time to the CRA. 

- Both the lending group and the university are currently not offering any solution beyond asking me to wait for the correct information to reflect on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2016 about Payday loan () with CURO Intermediate Holdings (NM).
Issue: Charged fees or interest I didn't expect

Complaint: Speedy Cash charges 392.591 % and I will loose hundreds of dollars on this loan. They put all of the interest up front and when I make a payment. They mislead you when you try to talk to them and then they lie when they say they never receive my email communication. My partner has a loan as well and they did n't put all of the loan and interest up front.

Company response to consumer: Closed
Consumer complaint received 11-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I am disputing the Macy 's account XXXX. This company reported me late twice last XXXX. 30 days late last XXXX XXXX and 60 days last XXXX XXXX. We never had any contact after I applied for this Macys account. No email, call, mail and not even a statement or bill. I was under the impression that I can have the first purchase discount even without the card and will be charged to my debit card. I was not informed that it will be applied to the card. I never receive a card from Macys. I never activated a card and never use it. I called Macys today and verified with them that the address they have on file is an old address. I was not able to receive any letter. According to the representative I spoke with, the account was closed by Macys because all the letters they sent was returned to them confirming that I was never ever informed about the account. I was not able to provide them my new address because I was never contacted by them thinking that this account never went through. I did not activate online access thinking that there was never an account. I paid them XXXX XXXX. I am disputing the fact that, that amount should have paid on time if they were able to contact me. It 's not my fault the payment was late. It is not my fault that I did not receive the card.

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 02-10-2017 about Debt collection (Credit card) with U.S. BANCORP (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: MY EX HUSBAND XXXX SENT MEN OF HIS OWN ON XXXX TO XXXX TO XXXX FOR CONTINUED DEBT AFTER MINE WAS FORGIVN BY THE MERGER OF AIRLINES AND OTEHR COMPANIES AND STARTED ANOTHER DEBT ON ME FO CLOTHING AND OTHER TO XXXX THREATEN ME ABOUT ILLEGAL COURT FORCED TO FILE AGAINST FTC ORDERS COURT DECREES OF THEIR ACTIONS I NEED HELP ASSISTANCE WITH THIS MATTER MAY I SEE AN ATTY AT FTC I NEED AN APPT PLS EMAIL ME AT XXXX AS MY LITIGATION AND LEGAL RIGHTS AND MY CREDIT HAS BEEN HARMED SINCE XXXX WHEN I STARTED SEEING INTO THIS ILLEGAL OIL LITIG SET UP OF OLD BAD XXXX AND XXXX CRIMINAL XXXX AREA FILES OF THEIR OLD CREDIT CARD XXXX CRIMES AND DEBT ILLEGAL MAKING ON ME AS THEY PROMISED NOT ABEY OF FTC AND FEDERAL COURTS OF XXXX WHICH I SAW IN XXXX AND XXXX ATTYS WILL NOT STOP EITHER AS THEY OWN THEIR OWN LEGAL CORPORATION ON XXXX IN THIS MATTER
I NEED ASSISTANCE IN RESTOERING ANDD FORGIVENESS OF CAUSED ACTION IN DEBT
THEY VIOLATE 15 USC 1601 STATUES CODES EVERY DAY TO ME AND INSIST ON SUCH TELLING ME DO NOT PAY MY DEBTS AS THEIY WILL TAKE CARE OF IT IN XXXX R XXXX OR XXXX DEBT MAKING COMPANIES OF CLOTHING AND XXXX OF THIS MATTER THEY HAVE BEENTOLD BEFORE AND DO NOT QUIT A XXXX COURT FEDERAL OF DEBT COLLECTION COURT DECREE I SNSET YOUR AGENCY A FEW YEARS AGO

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 07-09-2016 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (PA).
Issue: Account opening, closing, or management

Complaint: I closed my account in person at the XXXX, NJ TD bank branch months ago. Then a month later I received a statement in the mail showing I had a negative balance for account # XXXX. I called and spoke with a representative and they assured me they fixed the error and I would not receive anymore such statements. Today I received another statement for this account showing a negative balance of XXXX dollars due to maintenance fees on an account that was supposed to be closed! I do n't know what else to do!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-09-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (UT).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: I called in to American Express in XX/XX/XXXX to inquire about my Annual spending on my Delta Reserve card. The purpose was to see how close I was to my annual {$60000.00} required spend to receive an additional XXXX delta MQM 's which would have taken me to the next medallion tier with Delta. I spoke to a US Based representative who informed me that I had met the required spend in XX/XX/XXXX and would receive my MQM 's aprox XX/XX/XXXX and assured me that I didn't need to do anything else. When those MQM 's never came from Delta, I called in again in XX/XX/XXXX to inquire. I was informed at that point that I was previously misinformed and that the card spend was on different AMEX cards ( I changed in Q1 from a business reserve to a personal reserve ) and for that reason I did not qualify BUT since the damage was done and I was led astray by AMEX, they would open an investigation and pull the call logs from my XX/XX/XXXX call. If they could confirm ( which they did ) that I was told what I claimed ( which I was ) that AMEX would without doubt honor their mistake. I was told that would take 3 days and then AMEX would call me back. After 3 days I called again and was told that in fact it could take up to 60 days. When I advised that the time frame was unacceptable they escalated my compliant and I was told I would hear back in 14 days. After 14 days and no call from AMEX, I called and and spoke to US based supervisor XXXX ( # XXXX )  who assured me she would get to the bottom of things and would call me 3 days later on a Monday.. On Wednesday/Thursday I called in again and spoke to US based supervisor XXXX ( # XXXX ) who assured me that I would get a call back from XXXX right away. That never happened and I've since talked to 2 more supervisors who promised they would help and of course I never heard back. Several times I've been assured that AMEX would do the right thing and honor what they told me but no one there seems to care or have an ounce of accountability. I need help please!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX XXXX is reporting the wrong XXXX credit card account number : XXXX to Equifax. I will call XXXX XXXX XXXX and have XXXX XXXX XXXX send notification to Equifax to report my correct XXXX XXXX XXXX XXXX credit card account on my Equifax credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (GA).
Issue: Trouble during payment process

Complaint: My loan was recently transferred from  XXXX  to Nationstar mortgage. Nationstar provides an option to pay online. The terms on their site say that Nationstar is not responsible for any errors within their site. How is this legal for consumers to make payments from their site, using their tools, and they can not guarantee that their payments will be credited properly, or that their balance information is correct. Nationstar should have some responsibility to ensure that customer information is correct in their systems, or not be allowed to present faulty information.

Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2017 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Where do I start? Equifax has destroyed my credit file. I received an updated report and I am furious. They removed several student loan accounts that are in good standing, then they reinserted deleted collection accounts without giving me 5 day notice required by federal FCRA laws, and added personal information to my account that is not mine. They have broken and violated several of my consumer rights and federal laws that protect those rights. They have purposely damaged my credit reputation with potential creditors and lenders. What they have done is illegal. I AM NOT ASKING BUT DEMANDING that they fix my credit file. I am so livid right now, I am ready to sue them for defamation, violation of my consumer rights and undue stress with dealing with their incompetency. I have contacted my consumer rights attorney. Did Equifax not learn from the 18.5 million settlement they had to payout because of their incompetency to insure that a consumer 's credit file is reporting accurately and complete or the joint 45million dollar settle they had part in paying out for negligent noncompliance with FCRA laws? Do I have to sue for punitive damages for them to get their act together? At some point this becomes ridiculous and unnecessary for me to keep going through this XXXX with them. They refused to respond to my other complaints and now I am demanding that they respond and do so appropriately. I am tired of playing nice with Equifax while they destroy my name and credit file. It has to stop and it stops today.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT).
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: I have submitted multiple disputes including asking for method of verification on 2 XXXX and XXXX accounts they are reporting in error. Ive asked for supporting documents if they claim the account is verified. I called today on XXXX/XXXX/XXXX and spoke to a supervisor named XXXX XXXX. She stated they dont have ID numbers. I explained that they did not send any supporting documentation. She stated that they wont supply any physical documentation and that I have to request it myself. Basically all of my rights under the FCRA Section 611 ( a ) ( 6 ) and ( 7 ) are in violation. She proceeded to tell me that they dispute electronically so in actuality they did not verify these accounts properly. They refuse to send me any documentation. I would love to hear what they would have to say so that I can add it to my overwhelming documentation against their company

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 06/17/2017 about Vehicle loan or lease (Loan) with UNITED SERVICES AUTOMOBILE ASSOCIATION (FL).
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint: On  XXXX   XXXX , I call ed USAA Debt Solutio n due to received a letter about loan being pass due. They refer me to   XXXX   XXXX   and I filled out an application for a short term hardship. I fax documents back and was told it can take up to 30 days. I called for updates and told it 's pending. Even called on  XXXX   XXXX  and  XXXX   XXXX  concerning another issue and not told approved. Received letter dated  XXXX   XXXX  threatening repo. Called  XXXX   XXXX  to  XXXX   XXXX  and told was approved for program on  XXXX   XXXX  but no one called to let me know because I 'm on do not call list. Stated no because I get collection call and never requested. Asked for date placed and why but was told no date. Reque sted manager callback. Manager callba ck  XXXX   XXXX  and tell me just got fill out new application because over 30 days. The process takes up to 30 days itself so. She stated ca n't use old approval. Get more calls and stated must pay by  XXXX   XXXX  or will repo.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 09/16/2016 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (TX).
Issue: Making/receiving payments, sending money

Complaint: I received counterfeit items from eBay ( XXXX pairs of headphones for a total of {$310.00} ) on XXXX XXXX, 2016 but was unsuccessful returning those items to the seller on eBay. As PayPal offers buyer protection, I opened up a case on XXXX XXXX, 2016, requesting a refund. I was instructed to send the items back to the seller before XXXX XXXX, 2016 to receive a refund. I went to the post office to ship the package on Saturday, XXXX XXXX, 2016, and the employee told me that the XXXX XXXX address was unlike anything he had ever seen and highly suggested not to send the package. I called PayPal, who assured me that the address was correct. Additionally, I was told that it would be acceptable to send the package on Monday, XXXX XXXX, 2016, since the post office is closed on Sundays. This package ended up costing around {$50.00} to ship, hence why I made sure to double check with PayPal before I sent the package. I woke up on the morning of XXXX XXXX with an email saying that the case had been closed but was reassured once again that I could reopen the case after I sent my package. On XXXX XXXX, 2016 I received an email saying that the resolution was : " As you have provided valid information supporting your appeal, we have sent a courtesy email to the seller requesting that they issue you a refund to resolve this claim. '' It is now XXXX XXXX and I have still not received a refund. Throughout this entire process I have called PayPal almost 10 times, being given reassurance and instructions that I followed. My phone call tonight was escalated to a supervisor and a manager, but PayPal was still unwilling to give me my money. The first representative left the seller a voicemail and sent an email reminding them to refund my money. I asked why PayPal could n't refund my money and was told " well you would n't like it if we took money out of your bank account. '' I was escalated to a supervisor who told me since I did not send the item within 10 days that PayPal is not legally responsible for getting my money back. I was then escalated to a manager who told me the same thing. Despite my constant communication throughout this entire return process, in the end PayPal was not willing to refund my money. When I view this case online, it shows that the decision has been 'granted '.

Company response to consumer: Closed with monetary relief