milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/27/2016 about Credit card () with SYNCHRONY FINANCIAL (OR).
Issue: Other

Complaint: 3 things : # 1- I called Synchrony Financial ( aka Care Credit ) on XXXX/XXXX/2016 to make an allocated payment to a deferred interest charge due in XXXX for {$110.00}. The agent I spoke to said he completed the allocation successfully. He did not. When I called today, XXXX/XXXX/2016 I was told that my closing statement occurred on the XXXX so the allocation did not go through. There was no notification to me. 
# 2 - In speaking with the agent today I found out that any amount charged under {$200.00} shows up on the statement once only and after that, it does not show up nor is it visible anywhere on line. These amounts accrue 26.9 % interest. This seems extremely deceptive to me. I am on top of my account with them, I always take care of deferred interest charges on time but if there is an amount under {$200.00} that is not showing up anywhere on my online account or statement that is accruing 26.9 % interest behind the scenes it seems intentionally deceptive to leave that amount invisible to the consumer. My request is that they be required to show the interest accruing amounts under {$200.00} just like they show every other transaction activity so the consumer can accurately see what they are being charged. Seems like common sense unless you are trying to defraud people or like the mortgage companies did or if you are purposefully intending to entrap people. 
# 3 - I have called Synchrony Financial/Care Credit periodically for information over the years I have been a customer. I have been given so much misinformation over the years that again, seems deceptive. When I called on XXXX/XXXX/2016 and was told the allocation was successful and it was n't and there was no notification to me, that same agent told me that the minimums due that show on my statements are generated to pay off the balance due in the time frame it is due. He said ( quote ) " people think that if they pay more that their balance will go down but it does n't. You can pay more but the minimum will pay it off in the time due. '' I suggest that you get the recording of that call. I ca n't tell you how many times I have been given incorrect information like this. Please do something about this company - they are taking advantage of people who are at the bottom of the credit totem pole.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (TX).
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint: I have called Santander on multiple occasions to attempt to pay the remaining payments on the loan : 1. I have asked for a interest rate reduction because the vehicle is a total loss and the Santander loan no longer has collateral - SANTANDER DENIED MY REQUEST TO LOWER THE INTEREST RATE 2. I have asked for a payment extension/deferment for the past due payments - SANTANDER DENIED MY REQUEST BECAUSE THERE IS NO COLLATERAL

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2016 about Credit card () with CITIBANK, N.A. (TN).
Issue: Sale of account

Complaint: During XXXX and Citi deal over Costco credit card conversion, consumers accounts were transferred from XXXX to Citi. My account with XXXX was in good standing and was on autopay. Before I even received my Citi card, my Citi account already had past due balances and interest charges. This was extremely unfair to me as a good consumer -- 1. A charge on XXXX card should be paid to XXXX through preset auto-payment plan ; 2. Neither XXXX and Citi communicated clearly regarding " charge history '' transfer ; 3. Before I received my new Citi card, I had no knowledge of the existence of the new account, and I had no way of knowing how to pay because I did n't even know the account number ; 4. The Citi credit card account history existed before the card was issued to me, and before the card was activated, without consumer consent ; 5. Because of the technical failure in the transition, I incurred the late fee and interest charges before I even got the new credit card, which affected my credit history. 
6. How can a consumer incur late fee and interest charges before he/she was issued the credit card. There must be a law governing this. 
7. My XXXX account was in good standing and on Autopay. It is totally XXXX 's fault or Citi 's fault, or both in subjecting consumers to financial loss and credit loss. A consumer was not given any chance in the process to prevent such unfair treatment from happening. Our rights must be protected.

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 09-06-2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (GA).
Issue: Struggling to pay mortgage

Complaint: they allowed me to apply for modification 2 times to come back to say invester does not partisipate. Cause me 6 month further behind

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2015 about Student loan (Non-federal student loan) with SOUTH CAROLINA STUDENT LOAN CORP. (SC).
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint: . In XXXX of 2014 I called in to my student load holder and found out that my loans were in default. I then was set up on a payment agreement over my schedule payment to bring my loans out of default after 6 months. After completion of the 6 months my loans remain in default. I was then told until I repay the past due balance I would remain in default. My only option now is to increase my payments again over my loan payment. I want to continue to pay my student loans as agreed and not have it effect me negatively while continuing to pay. I am not looking for a way out of paying loans but to bring my loans out of default status.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2017 about Checking or savings account (Savings account) with WELLS FARGO & COMPANY (CO).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: I called wells Fargo today ( XX/XX/XXXX ) at XXXX because I over drafted 2 separate times even though I had over draft protection set up. I called and told her the situation and she informed me that my savings account had been turned into a checking account even though they did not communicate this with me. After i got upset she said she would see what she could do about the fees but in the end could only give me back one of the 2. They are always finding new ways to get my money and I 'm sick of it. If I 'm over drafting then i obviously do n't have {$35.00} extra to give them.

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 The Wilber Law Firm, P.C. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The Wilber Lane Law Firm is harassing my company, XXXX XXXX in trying to collect {$2500.00} for a flood that occur on a townhouse that we do not own nor have ever own. 

See letters attached.

Company response to consumer: Untimely response
Consumer complaint received 02/23/2016 about Mortgage (Conventional fixed mortgage) with PHH Mortgage Services Corporation (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I tried to pay my mortgage for XXXX and found out that my loan has been sold. When I contacted the new company i was in formed that my payment has been raised to over {$450.00} more then my previous monthly payments. I never received any notice of the change in payment or that my loan was being sold. I was told they needed to do a analysis on my loan to see what went wrong but they would n't be able to do that until XXXX. In the mean time i need to make the larger payment.

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2017 about Vehicle loan or lease (Loan) with United PanAm Financial Corp. (OH).
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint: I received a loan in the amount of XXXX, term 4 years, my payments monthly are XXXX, at the end of my loan I will have paid XXXX. I would like this investigated please

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2016 about Money transfers (Domestic (US) money transfer) with PNC Bank N.A. (GA).
Issue: Money was not available when promised

Complaint: I am a customer of PNC Bank. I transferred {$150.00} from checking account to my Credit Card on the XXXX XXXX 2016. I received a confirmation of a successful transfer which I still have, but the money has not been credited to my credit card nor has it been returned to my checking account. I contacted the XXXX PNC Branch where a young lady named XXXX helped me. XXXX spoke with me today and stated no money had been transferred, and that technology is not 100 %. I am citizen that lives paycheck to paycheck, I monitor my money and I cant afford this.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (TN).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: After 10 years of paying my Chase Freedom credit card on time, with no problems that I know of, they cancelled the card, saying that there was " Not enough credit information available '', citing " XXXX '' ( the company that was hacked last year ) as the source of their information. The other two reporting agencies show me as " On Time '' and " OK ''. My credit score is in the low 800s, etc., nor did Chase ask me for more " credit information. '' Since this was the card I used the most, especially for recurring payments, this caused me a lot of trouble to clear up. I just want to caution people about Chase. I pay my credit card off each month, so they are not making much money from me. Is this the reason for cancelling my card?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with FREEDOM MORTGAGE COMPANY (CO).
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: Beginning in  XXXX   2017 ,  Freedom Mortgage increased my escrow/insurance amount by {$25.00} a month and did not adequately notify me. As I was not well informed, I continued to send a $  XXXX  monthly payment as normal. I thought all was well as the payment checks cleared my bank ( see attachments ). I received a notice of late payments and credit score c hange from  XXXX  at the end of  XXXX   2017 . Upon investigation, evidently, because the extra {$25.00} per month was not included in my pa yments, Freedom Mort gage moved my payments into a " non interest savings account '' and did not apply any of the payments to my loan. As you can see on the attached documentation, all payments were made on time and as agreed upon. In  XXXX , I contact ed Freedom Mortga ge and talked with a representative who instructed me to pay an additional {$110.00} to resolve the issue. In  XXXX , I received an other notice from Freedom Mortgage stating my payments were still not accurate. After speaking with three representatives and a supervisor from Freedom Mortgage, I finally have the payments correct as I have now learned of the escrow increase. I filed a dispute with  XXXX  over my credit score as  it has now dropped over  XXXX  points.   Freedom has denied all my requests and have denied any credit review or withdrawal of two 30 day late notices.
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I feel I was inadequately notified of the escrow increase and unfairly reported to the credit bureau as I was making payments on time and the amount agreed upon. I do not feel Freedom Mortgage has the right to withhold an entire payment as they have, causing me to be 30 days late for two months and ruining my credit score. I am a model consumer and pay all my bills on time. I feel this is a very unethical practice by Freedom Mortgage. I have researched several websites and have found several other people have reported Freedom Mortg  age as well and have had no resolve. It is my hope that there will be actions taken to protect good consumers such as myself.

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 03/19/2017 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (KS).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Original balance {$1500.00}. After receiving a settlement offer letter from Portfolio Recovery Associates, I decided to pay the single payment plan of {$1000.00} that was offered in the letter. The letter also stated that once paid, the account would be considered " Settled in Full ''. I sent a cashier 's check for the {$1000.00}, as well as a letter back to them stating that I have paid what they offered. However, they have not made my account as settled in full like they said they would. They only deducted the {$1000.00} from original balance, saying that I still owe {$470.00} on my credit report. I have copies of their letter, my letter, and the cashier 's check. I do n't know what to do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/23/2017 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I called in to Equifax on XXXX XXXX, XXXX to notify them of inaccurate inquiries that were on my report. These inquiries did not afford me appropriate notification of being placed on my consumer report as were affected many consumers during a credit bureau glitch of most inquiry reported prior to XXXX XXXX. Upon reviewing my records with the association, I have made note of the following inquiries reported on my consumer account incorrectly : 1. XXXX XXXX XXXX XXXX | REQUESTED ON : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX 2. XXXX | REQUESTED ON : XXXX/XXXX/XXXX 3. XXXX | REQUESTED ON : XXXX/XXXX/XXXX 4. XXXX | REQUESTED ON : XXXX/XXXX/XXXX 5. XXXX | REQUESTED ON XXXX/XXXX/XXXX 6. XXXX XXXX | REQUESTED ON : XXXX/XXXX/XXXX I have called the company with customer service representative response stating that the inquiries would not be removed because they would fall off this year ( XXXX ). The incorrect inquiries have not been removed at this time. This is incorrect practice and I would like my consumer rights observed and protected.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2016 about Debt collection (I do not know) with Debt Recovery Solutions, LLC (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This is incorrect information not mine.

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 07/14/2015 about Mortgage (Other mortgage) with FREEDOM MORTGAGE COMPANY (NY).
Issue: Application, originator, mortgage broker

Complaint: I began working with XXXX XXXX and XXXX XXXX in XXXX 2015. Several times during the mortgage preapproval and application process I was told that I would receive communication back, either via a phone call or email, however, I did not. Having waited for said contact on multiple occasions over two months, mortgage rates have now risen. Because of their inability to follow through on what they said they would do, and the lack of communication on their part, I had to pursue my mortgage application with another company at a higher rate. My last conversation with XXXX XXXX ended on XXXX XXXX, 2015. He stated at the end of our conversation that I would receive a call back later that day. To date, I still have not received any contact. On several occasions, I had to call his office multiple times in one day. Specifically on XXXX XXXX, 2015, I called XXXX ; XXXX in the morning and XXXX at close of business, only to be told that I would receive a call back both times. I never did receive that call. Instead XXXX XXXX sent me an email to call him the following morning. Since I began the mortgage process, I have been pursing the XXXX Achieving the Dream product with the 3 % Down Payment Assistance Loan. Since XXXX 2015, the rate has held steady at 3.375 %. However, on XXXX XXXX, 2015, the rate rose to 3.5 %. Because I waited to hear back from these award-winning employees, I am now locked in at a higher rate, thus spending XXXX more over the life of my mortgage. I now highly regret engaging in contact with XXXX, believing that I would receive timely correspondence. During the course of my career, I have been trained to spot regulatory violations and this XXXX is glaringly obvious. It is exceptionally unfair that I am now subject to the higher rate and thus more money out of my pocket, because I waited for contact me back. Had these loan officers followed through not only in communication, but with my application, this could have been avoided. Furthermore, having sent XXXX XXXX and XXXX XXXX the XXXX pieces of information that constitute an application and receiving no response to date, this is clear violation of the service level agreements set forth by RESPA statute. I have attached a timeline of events depicting the correspondence between XXXX and myself. Emails and phone records are available upon request. I want to know what XXXX will do to rectify this situation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (AL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Amazon 3 times and Old Navy XXXX are the ones showing delinquent, when we tried paying and they had me as XXXX. This took months to fix. Still no one can explain to me how this happened. 
Thanks

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 04/20/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (FL).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I am writing in regards to my recent experience with Navient and the lack of help I have received. At the beginning of the year, my husband lost his job. We have a young daughter and another on the way and since we lost a large amount of income, we started to have trouble paying our bills. My student loans were getting further behind because I was unable to pay the high payments so I reached out to Navient for help in lowering the payments so I could possibly make small payments on them until my husband found another job. I was basically told by the customer service person I spoke with that losing a job does not qualify me for help. I was astounded. How can losing a large portion of income not qualify me for help? What does if that does not? If I do n't have money to pay the bill, they wo n't get paid. In the weeks following, I got MULTIPLE emails and phone calls fro m Navient saying,  please contact us, we can help if you are unable to pay your bills. So again, I reached out. The customer service person I spoke with the second time was very understanding, very informative and very nice. She offered an option to help drop the payment a little bit. Well today, alm ost two weeks later and after the first automatic payment was withdrawn, I get an letter from Navient stating I am not eligible because I can repay the loans. I am still trying to figure out how my monthly mortgage, power bill and student loans, not considering ANY other bills are more than I make a month mean I can afford to make payments? That would mean my daughter, my husband and I would all starve because we can not buy groceries or I would not have a place to live because my house would be foreclosed on. Or Maybe I should stop making a payment on the car that gets me back and forth to work so then I lose my job and have no income. I am really not sure which one I should choose. The most frustrating part of the entire process is that I get phone calls and emails daily asking me to reach out to Navient because they can help! I have reached out TWICE and received NO help. None. To make m atters worse, I have been trying to change my name for a year on my loans to my married name. I have uploaded documents, mailed them, everything. My name is still not changed. This means that I am unable to login to the website to at least try to get my federal student loans lowered. I have been harassed about contacting them for help, when clearly all they really want me to do is sign up for automatic payments under false pretenses.

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2016 about Debt collection (Credit card) with STATE FARM BANK, FSB (DE).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: ref account XXXX resulted in fraud transactions and fraud balance that was reported and disputed years ago to state farm bank

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: cra violation inaccurate information id theft victim sent all po reports and hdp reports

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