milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-04-2015 about Credit card () with SYNCHRONY FINANCIAL (TX).
Issue: Billing disputes

Complaint: After submitting a complaint ( Case Number XXXX ) I received a call from Synchrony Bank where they argued with me about my complaint. Eventually they agreed to remove the late fee. However, even though I paid the balance in full as soon as Synchrony gave me access to the transferred account, today I see that they charged me {$32.00} in interest. They are clearly doing that to penalize me for complaining to CFPB, as the account is closed, has been paid in full, and late fee removed. I would happily have paid Synchrony in full earlier, by their due date, if they had given me access to do so. But because I followed their instructions, paying quickly when they finally got the account transferred, they first hit me with a late fee, and then -- because I complained to CFPB -- now have charged me interest. I demand that Synchrony XXXX out the balance, remove any charges ( late fees, interest, penalties, whatever ), and send me a statement showing a XXXX balance closed account with no impact on my credit report. Do n't let Synchrony punish consumers who seek help from CFPB. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2017 about Debt collection (I do not know) with Premier Recovery Group (FL).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I got a call and voicemail from a XXXX XXXX. Called her back at XXXX xt XXXX and the phone was answered by someone else. XXXX then got on the phone and told me she was with Premier Group and that I owed money on a default loan to XXXX XXXX XXXX and needed to pay it back. She originally could not locate my number or name in her system. Then when I verbally spelled it out she said oh yeah there you are. When I asked her to send information in writing she told me to hold on and then there was music playing. Then a man got on the phone and basically told me that I was n't asking him the right questions and that if I intended to pay that I would be asking him how. When I told him that he needs to send me something in writing he told me that I had to setup a payment agreement first. When I told him I would not do anything without proof of his claims in writing he told me okay fine and hung up the phone. I have looked them

Company response to consumer: Closed
Consumer complaint received 04-06-2018 about Mortgage (FHA mortgage) with PRIMELENDING, A PLAINSCAPITAL COMPANY (CA).
Issue: Closing on a mortgage

Complaint: We reviewed our closing disclosure on XX/XX/2018 and we feeling pressured to sign. Our loan officer did not offer to review with us and we were shocked to find out the loan origination fee of  XXXX on a XXXX mortgage loan amount. I feel like they are taking advantage of the New Home Buyer's credit and double dipping into our wallets as the consumer. I would like your help taking action and making sure this company is not ripping other uneducated first time home buyers.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2018 about Student loan (Private student loan) with MOHELA (NC).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I first borrowed XXXX for graduate school XXXX XXXXXXXX from XXXX XXXX   {$10000.00} and {$2000.00} was supposed to be paid part of my internship from XXXX during my second year of graduate school for the school of XXXX XXXX. 
After I graduated my exhusband ran away with our children to XXXX and so I had to put my loan payments on hold in order to pursue my children to try to bring them back. This lasted longer than expected and so my loan had to be refinanced. Now loan is XXXX and I can only afford to pay the interest of XXXX a month. I am XXXX XXXX XXXX and don't know what to do. I want to pay off the original {$12000.00} I borrowed only. This added interest is killing me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2016 about Credit card () with SYNCHRONY FINANCIAL (LA).
Issue: Billing statement

Complaint: On XX/XX/2016 I received resolution from CFPB against JC Penney regarding my statements not arriving at my home address. However on XX/XX/2016, when I received the documents from JC Penney - XXXX, Sr. Specialist Corporate Consumer Relations office I received old statements. On XX/XX/2016 I phoned XXXX and left her a message confirming my mailing address yet again, having done this already numerous times, and requesting that my statement be sent from then on to the address provided, of which she mailed the documents to as well, now I was charged a late fee for not receiving the statement again last month and now this month again still no statement received. I am sure that I have been charged yet another late fee since I did not receive a statement. I do n't feel I have to continue to request my statement be sent to me for payment. I have faithfully paid my account until this issue. I want my statements and I do n't feel it 's fair if I am charged any late fees, since JC Penney continues to refuse to send my statements despite my repeated requests to receive it and confirming mailing address. On XX/XX/2016 I left XXXX yet another message advising her that I have not received my statement yet and would like to have it mailed to me, I was a bit upset and with reason. It is ridiculous that I have to request my statement repeatedly. Its so disturbing to have to remember to look for my statement when it should arrive monthly.

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 01/21/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I am a XXXX veteran who was seeking loan forgiveness due to a service connected XXXX. I was instead directed into a loan consolidation. I am unable to make loan payments based on my lack of sufficient income due to my service connected XXXX. Also, I never had any loans while attending the school that is listed on my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This debt is from XXXX XXXX and does not belong to me. This debt has previously been deleted from my credit report from another collection agency due to not being my debt. My dissolution of marriage ( MO case number XXXX ) states that my ex wife is now responsible for this debt and not me.

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 11-09-2016 about Debt collection (Medical) with Choice Recovery, Inc. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I do not owe this debt I paid the doctor office, and I told the company that called me the first of XXXX that I do not owe this doctor and not to call me again. The doctor office and me was in disput on the amount owe and was waiting on the insurance company to say what the amount was. Also, the doctor office billed the wrong insurance company when they had the correct information. I paid them on XXXX/XXXX/16 reciept number XXXX. I want this taken off my credit report.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed
Consumer complaint received 11/23/2016 about Credit card () with WELLS FARGO & COMPANY (UT).
Issue: Bankruptcy

Complaint: Wells Fargo was included in our bankruptcy yet they continue to update with a balance and negative account every month.

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 05-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CT).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are multiple duplicate student loan accounts on my credit report and they ca n't determine which ones are duplicate and original. If they determine the difference between the original ones and duplicate ones they should delete them. It is adversely affecting my credit, making my income to debt ratio much higher than it is. I have been refused for a mortgage because of this problem

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I received an score alert today XXXX.XXXX.17 from Experian saying my FICO score dropped 20 points without any explanation why. I contacted Experian to find out why my score dropped, the representative in the membership department reviewed my last credit report and checked the previous report for any changes between the two. Their was no change in my credit report. The representative said she do n't understand how or why my score would change without a change on my report. No one at XXXX was able to explain why my score dropped significantly.

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 03/19/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (OK).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Over 60 phone calls in a 3 day period and harassment of my children if they happen to answer. They constantly ignore when told to cease all communication..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Shellpoint Partners, LLC (NV).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I filed a chapter XXXX bankruptcy that was discharged in XX/XX/XXXX against the property address of XXXX XXXX XXXX XXXX XXXX Nevada XXXX. That same property was foreclosed against me in XX/XX/XXXX. This company is claiming that a foreclosure is still pending against me and they 're reporting me  as delinquent to the credit bureau. I 've been gone from said property since XX/XX/XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (MA).
Issue: Loan modification,collection,foreclosure

Complaint: Called today at XXXX XXXX/XXXX/2016 and requested a mailing address to send mofdification paperwork requested it was on a recorded line and the gentlemen kept stalling for he wanted me to fax I responded no I need mailing address he played games and refused to provide .I terminated call .Wells fargo continues to give borrower to buy time for the home is in land court in massachusetts and I believe wells fargo is delaying so they can buy time to obtain judgement and take my home .THIS IS WRONG AND IS A VIOLATION OF 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 07/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: A computer glitch that was XXXX 's problem - not mine - caused my inquiries to be deleted. XXXX later added them all back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I contacted XXXX in good faith to ask them to delete the inquiries that they had illegally re-added. I spoke with XXXX and explained to him that these inquiries add a hardship and that my rights are violated by XXXX. He advised that they do not remove inquiries. I advised him of the computer glitch and he advised there was no such thing. I 'm asking the CFPB to help me make XXXX stop victimizing me. I 'm asking as a resolution that all of my XXXX inquiries be deleted permanently from my report as a violation took place when they were illegally added.

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 01/24/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX is trying to collect for equipment that was returned

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 02-03-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Credence Resource Management, LLC (GA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I get alerts from XXXX website when activity takes place on any of my credit reports. A debt being collected by Credence Resource Management for XXXX was due to fall off and I received an alert that they removed it and put it back on, causing it to be re-aged which is a violation of the FCRA. See attached screenshot.

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 10/31/2015 about Debt collection (Payday loan) with COMMUNITY CHOICE FINANCIAL, INC. (TN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Essy money I have an loan out. Yes I 'm late 4 days. The first time someone called me from the corporate office I told them I would be in on my next payday which is XXXX XXXX she told me she could n't stop it from going to my account again. I said ok. She told me she would enter it in the system. Someone called me back to back the next day from a different number from the day before. I picked up and she asked if this was me.. I told her yes could I call her back I was with an customer at work. She told me no you can not. I asked who she was with and she told me easy money. I told her someone contacted me yesterday she interrupted me and tod me I needed to pay and I can use a debit card!! They need to get it together. I work for an loan agency when someone puts a promise to pay we can not keep calling them once we contact them. Unprofessional

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2017 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (RI).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage company sent me a solicitation ( attached ) to refinance my loan. I feel that this is a deceptive letter because it highlights the monthly payment reduction without making it clear that if the loan goes to term I will actually pay nearly {$100000.00} more than the original loan. This is exactly the kind of predatory practice that caused the great recession. Why are companies like this allowed to " trick '' unsophisticated consumers into thinking they will be saving money rather than paying out vastly more in the end. I look forward to hearing what you can do about this.

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2015 about Money transfers (International money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (MI).
Issue: Other transaction issues

Complaint: Trying to get my money refunded. Sent money through MoneyGram, receiver did not get paid. Walmart tried to help but their call with MoneyGram was cut off. The only reason MG gives is that " it is under review ''. It takes about XXXX mins to get a live assistance on their XXXX number, IF lucky to get someone, the call is cut off after a few minutes. Money was sent using the " XXXX minute '' delivery service on XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/27/2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (AL).
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint: I initially received my car loan for my XXXX XXXX that I purchased at XXXX in XXXX Alabama on XXXX XXXX, XXXX for {$14000.00} and have made monthly payments of {$380.00} since. My balance is at {$10000.00}. After five years of paying {$23000.00} on a {$14000.00} loan I have only paid less than {$4000.00} in interest. My payment this month went 100 % toward interest ( after 5 years of paying ) and my payment last month of {$380.00} only put {$61.00} toward interest. In early XXXX of this year I paid {$1000.00} and asked that it put directly toward principal as it was besides my normal payment, Santanders put {$210.00} toward interest and the rest toward principal I had to call several times and threaten to sue before they reversed the payment and put it all toward principal, my very next payment they only put the {$61.00} toward principal and this last payment, none.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2015 about Debt collection (Medical) with Merchants' Credit Guide Company (IL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Merchants Credit Guide has not been able to accurately compute what they claim is owed. XXXX XXXX from that company claims it is my responsibility to compute the bill. They provided an XXXX totaling XXXX as validation of a debt, they claim I owe XXXX. They have XXXX information on insurance payments, credits or co-pays. How do I even know I owe them XXXX penny?? Bills must be precise, clear and explained. This validation does not meet any legal standard..or any normal standard.This company also terminated my phone call because they said I just did not want to pay. As for that, I think my calling them XXXX is an effort to resolve this issue. Bottom line, if you want to collect a debt, you MUST be able to clearly show any computations of that debt owed. They could not even explain how they reached this figure..they just refused! Please see the attached documents which clearly show the amount demanded and the so-called verification of that debt. Additionally, if the debt is mine or not is not relevant, it is the amounts billed which are inaccurate and unverifiable, therefore making this debt noncollectable at this time. Merchants Credit Guide must either verify proper computations or delete and close this file.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2015 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (GA).
Issue: Account opening, closing, or management

Complaint: I had a checking and a savings account with SunTrust Bank, On one occasion I had received a check for {$2500.00} in the mail that was deposited and placed on hold by the bank as standard procedure. While the check was on hold no debits were paid out on the deposited amount and no ATM withdrawals were attempted or processed. During the hold process over several days, the bank sent a letter stating that they could not verify the funds with the bank listed on the check and the deposit would not be credited to the account. At that point I assumed that was the end of the issue and that I would just need to subtract the amount of the proposed deposit and pay the {$15.00} dollar handling fee and later contact the business that sent the check for restitution. What took place unfortunately was Suntrust Bank went ahead and added a number of additional charges, closed my account and sent a report to XXXX ... ..stating that the account was closed due to Fraud in XXXX 2014. Since that time I have contacted XXXX. to dispute the case and in the process Suntrust Bank does not provide any new information to help resolve the issue, they only send the a verification that a report was submitted under my information back as a response to the dispute when filed through XXXX When I contact SunTrust customer service at XXXX XXXX XXXX XXXX XXXX I 'm repeatedly told by representatives that take the call that since the account has been closed more than thirty days, they can not provide any account numbers, account information or even a number or link to a department within SunTrust bank that could help me. At this point I have no way to effectively dispute or obtain closure to the issue XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2015 about Credit card () with TD BANK US HOLDING COMPANY (TX).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I am a victim of identity theft. 

A target national bank account is appearing on my report that does not belong to me. after multiple disputes, and requests for verification, this company has refused to respond with any information on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2016 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (MD).
Issue: Loan modification,collection,foreclosure

Complaint: I have been seeking a loan modification with Ocwen Loan Servicing for months. On XXXX/XXXX/2016 they verbally agreed to a discount payoff agreement. On XXXX/XXXX/2016 they followed up the verbal agreement with a letter stating the terms of the agreement. I called Ocwen back on XX/XX/XXXX@XXXX EST to get clarification on some of the items in the agreement letter only for the Ocwen representative to inform me that we no longer have an agreement. That the loan has been referred to a third party. I was not able to get any information about this third party except a phone number for me to call. 
I will like for Ocwen to honor the agreement we had on XX/XX/XXXX, reinforced by the letter they sent. We have an agreement. This agreement requires me to pay a certain amount and Ocwen will release the deed to the property. The agreement letter also states that 'Ocwen agrees that it shall not transfer any further obligations or rights to pursue further judgeent or deficiencies to a third-party debt collector '. But it seems this is what they have done. 
Please help in persuading Ocwen to abide by the agreement contained in the letter the sent to me on XXXX/XXXX/16

Company response to consumer: Closed with explanation