milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-07-2015 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Delinquent account

Complaint: I have some issues regarding my Amazon Store Card account, I was hoping that someone would help clear-up : In XX/XX/XXXX after using the same password when logging into my online account since I first opened my account, my password no longer worked. I called customer service about this so I could make a payment, they said they had my bank account info and would process a payment. I also asked for a replacement card at that time. Unbeknownst to me, my XX/XX/XXXX payment which I made online had not been credited! Then later in XX/XX/XXXX, I received a letter that said my account was delinquent, to my great surprise. Now both of my last XXXX payments made failed on their end and my account was n't credited! So I sent a personal check payment along but did n't have time to call because I was going to be out of town for awhile. 

On XXXX XXXX, I had time and called customer service again, my first XXXX attempts I was hung-up on after holding for very long times. After a hour of trying to speak to a rep, I was finally successful and got to speak with XXXX about the events that occurred. We spoke about how my payments were n't being credited, which she could n't give me a reason for. We also discussed how my passwords were n't working and how I was unable to access my online account, again she did n't know why. She helped me access my online account and told me I had n't been charged any online late fees and that I was in good standing. XXXX also said she would send me the replacement card I had n't received from my last request. 

On XXXX XXXX, I called customer service again because my new password was n't working again and I was unable to access my account. I again had to request a replacement card because I still had n't receive one since the last XXXX requests. Once online I now could n't view all of my previous statements, even though I was always able to in the past. 

Of greatest concern is that in XX/XX/XXXX, I received a copy of my credit report and saw that Synchrony Bank reported me as delinquent past XXXX days in XX/XX/XXXX. This is unfair considering my attempts to make payments and access my online account failed due to problems at Synchrony Bank. I ask that Synchrony Bank fix this and remove this blemish off of my credit report immediately. 

Overall the experience recently with SB bank has been very disappointing, frustrating, and time consuming. I never had problems with this account before Synchrony Bank took over my account from GE. I look forward to hearing from someone from Synchrony Bank regarding the negative mark left on my credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
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: Transunion and XXXX continue to report Bankruptcies on my report in which proof were sent to them that they are not verified from the courts and they keep stating the information was verified without proof of how they supposedly are verifying information that in fact is not being verified from the XXXX Bankruptcy courts. So they are engaging into unfair practice of lying to there customers in which can and will lead to litigation. I have tried 3 times to resolve this and all 3 times they just say verified without validation or proof.

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 05-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I have disputed an item from   XXXX   credit several times. The amount showing owed is {$1000.00} which has been on my credit now fo r 9 years.  I called   XXXX   and asked why this has not been removed when I have sent in multiple request and they told me they have to contact the consumer. I advised him by law this type of account should have been deleted at 7 years and by law  XXXX  should delete it. The rep basically this me he will not delete it period. I also advise him that it is on my credit   XXXX   under  XXXX  and for them to remove these accounts had are reporting incorrectly. The rep was not helpful at all.

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 06/18/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: In XXXX XXXX I went to XXXX XXXX at their XXXX campus and signed up for a computer programming course. XXXX assured me that I would be able to secure a better paying job and there was a job placement guarantee upon completion of their program. I was at the time a XXXX XXXX XXXX XXXX. I started to attend classes at the XXXX ' XXXX campus and over heard the instructor state that he was n't being paid and he wanted to leave. The XXXX campus soon was closed. Soon thereafter I was sent to several different campuses to take classes. I felt as if I had no choice because I had already paid the tuition. There were no tests, no quizzes, the quality of instructors was poor and some of the classes were shortened in duration. There were not enough hours provided. I was unable to graduate from any single institution. There was no central school administrative office responsible for issuing a transcript, certificate or diploma. I never received instructions as to where to apply for jobs or if my class time would be honored by any future employer because there was no one to verify my attendance at XXXX XXXX. My student loan was acquired by XXXX XXXX XXXX. I could not afford the payments and applied for a forbearance in XXXX. In XXXX XXXX I was sued in Civil Court by XXXX XXXX XXXX XXXX XXXX. That law suit is still pending and the materials that I attached to this complaint were provided to me as part of the discovery in that civil law suit I was neveer provided copies at the time of application. I was never able to obtain computer programming skills or secure employment as promised. I could n't even prove I attended any school whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I mobile deposited an XXXX XXXX check to my Wells Fargo checking account on XXXX/XXXX/XXXX, XXXX XXXX 
Wells Fargo put a hold on this check till XXXX/XXXX/XXXX to verify this transaction for my security. 
I found out, there is a federal regulation to put a hold on suspicious checks for XXXX business days, not for XXXX days. 
XXXX bank is on this planet, even on the same continent. 
All it should 've been done, was a phone call, to XXXX bank to the other to verify the transaction, this is just a frustrated customer talking out loud ....

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 04/30/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (MD).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: Chase bank keeps trying to open an amazon credit card in my name I have called and report twice now and yet now a third and forth time the company is contacting me to open an account again. I 've wasted hours and hours contacting chase bank and they still continue to try to run an application which seems like every 3 months. Tell chase to take me out of there system and stop bothering me.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I had XXXX collections show up on my transunion report. XXXX showed up in XX/XX/XXXX and XXXX showed up in XX/XX/XXXX. I never received anything from the collection company. No dunning letter or right to dispute which is my right according to the FCRA. As soon as I saw that they where on my report, I sent XXXX a validation letter asking for proof that the the XXXX collections where mine and the proper validation under the fdcpa. I sent it certified mail so I had proof when they received it. I waited the 30 days for there response and the requested proof and when the 30 days came and went and no correspondence was sent to me, I sent transunion a letter with proof that XXXX got my request for validation and a copy of the letter I sent. I demanded that the XXXX collections be removed from my report since they where put on there and XXXX didnt follow the rules they are required to do by the fcra. I received a letter from transunion yesterday saying that they had updated the XXXX accounts and that they where remaining on my report. I have not received any proof that these collections are mine nor has Midlands sent me any validation. According to the fcra, if a collection agency does not validate a debt within the allotted 30 days they are allowed, the credit reporting agency had to remove the account. 
I have attached all correspondence so far. Proof that Midlands got my validation letter. A copy of that validation letter. A copy of the letter that was sent to transunion and proof that they received it. Lastly, the letter that was sent to me showing the accounts where updated

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 01/14/2016 about Mortgage (FHA mortgage) with PENNYMAC LOAN SERVICES, LLC. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: We refinanced our home on XX/XX/2013 and reduced our payment to {$1400.00} per month. 
But after a couple of.months the lender is sending bills for XXXX. 

They are adding another another item.colled.other fee and collecting un authorised money from us. 
We called the customer care. 
They told me If I am not.paying it they may forclose me. 
I am XXXX and surviving with XXXX small. children

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/23/2016 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I am being declined for a loan product because of a foreclosure filed on public record on XX/XX/XXXX, which I was not made aware and was illegally proceeded by Wells Fargo. I was in discussion already with Wells Fargo to re-modify the existing loan due to my special hardship circumstance during the Financial Crisis ; and I was already approved by Wells Fargo for a Special Forebearance Plan by XX/XX/XXXX. Wells Fargo illegally proceeded with a Foreclosure filing, while we already had agreement on a loan restructure. I understood in my discussion with various Wells Fargo representatives ( some even violated my rights under FCDPA, which I previously reported to this Bureau but to no avail ; refer to CFPB # XXXX ) that my house would be protected from foreclosure, as I worked diligently and forthrightly during the loan re-modification process with Wells Fargo. 
As this Bureau did not reprimand or penalize Wells Fargo for their prior FCDPA violation against me, I beseech your assistance now again removing the illegal foreclosure that Wells Fargo has filed against me and is negatively impacting my credit history and preventing me to qualify for a home loan. 
It is so unfair, especially as I fulfilled all my loan obligations with Wells Fargo for the previous home loan. Wells Fargo was made whole and did not incur any loss from loan default with me. Even as they violated my consumer rights, with their predatory and illegal tactics during the process when I was re-modifying the loan. I have documented communications with Wells Fargo dating back to XX/XX/XXXX to re-modify my loan. They practiced delayed tactics to avoid working with me. Notwithstanding, I persevered and was approved for a loan re-remodication by XX/XX/XXXX. However, Wells Fargo still filed foreclosure on the property illegally, without my knowledge.

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 06/21/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with PNC Bank N.A. (FL).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: hello I submitted an application for a $ XXXX HELO from PNCBank on/about XX/XX/XXXX on property on XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX - value of $ XXXX. I own the home outright, no debt. Since I just submitted a HELO from PNCBank for another property I own outright, XXXX XXXX XXXX , XXXX, FL XXXX - HELO for $ XXXX was accepted I knew exactly what documents PNCBANK needed. I provided 2 months recent pay stubs XX/XX/XXXX fed taxes XX/XX/XXXX delayed tax filing all assets, including XXXX XXXX valued at over XXXX XXXX dollars. PNCBank assets Despite all this information, PNCBank kept on asking and asking for more information, which I provided. I have been banking with PNCBank now for over 25 years, I have had over $ 600k of mortgages with PNCBank, all of which are paid off. So, there rejection now because of lack of documents is false! They are giving me a hassle, most likely because I turned down using PNCBank to buy properties and instead paid cash for them. Now PNCBank doesnt want me to have HELO 's on these properties. Ridiculous. If this is how PNCBank treats its long time customers, l think this should be noted for new consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with HYUNDAI CAPITAL AMERICA (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Turned in lease early bought a new car from same dealership in XXXX 2017 they were supposed to pay the rest of the car off and the time the dealer ship did created late payments I was never late on a payment the removed it from 2 credit bureaus but have not removed it from XXXX I 'm trying to buy a house and this is really causing a problem for me I have spent hours on the phone with them and I can not get anywhere

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-06-2016 about Mortgage (Conventional fixed mortgage) with GUARANTEED RATE INC. (TX).
Issue: Application, originator, mortgage broker

Complaint: While shopping for a loan I spoke with many lenders to try and find the best rate and fees for my refinance. Guaranteed Rate received an application over the internet from me, but I made it clear I was not moving forward with their firm. Every day I receive an application package to sign and so does my wife. The first instance was well after I first entered our family 's information and had already chosen another lender. We now receive daily prompts to sign our application and full initial disclosure package. This was very confusing and misleading at first. Now, it is a nuisance. 
Guaranteed Rate did not receive my business because they did not have a clear fee structure. What they promised online was not was I received on an initial cost estimate and the loan officer never placed the updated fees promised in an email on paper. She only asked if I was ready to lock today. When I said no, that 's when the application links began. 
I believe this is there strategy to coerce applicants to come back to them, but badgering them with applications after they have passed in hopes they catch the XXXX of XXXX that may come back. I emailed the loan officer and the individual sending the link to stop and remove my file. This has not happened. 

It is a nuisance. It is confusing to borrowers. It is a problem that they are not solving themselves by ending the constant emails.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (DC).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: My account is frozen by Wells Fargo. They will not allow me to remove my money and close the account. The custodian over my account died XX/XX/2017. My daughter has been appointed the new federal fiduciary for my VA compensation. They have refused to release the funds in the account to me or my daughter. I am a older person and need help in this situation. I have asked my daughter and son to help me and so far no one cooperated with them either. The freezing of this account has caused a financial hardship. I have had to borrow money when I should no have to because I have money in that account. But my creditors do not care about that they want their money, property or product. Please helpme. I and my children have tried everything in our power. My son even emailed a death notice from the XXXX XXXX. Because Wells Fargo is requirng that I submit a death certificate for the former federal fiduciary. Inspite of the fact he is not a family member and I did not have a personal relationship with him.

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 04/21/2017 about Credit card () with Alliance Data Card Services (LA).
Issue: Closing/Cancelling account

Complaint: I applied and was approved for numerous Comenity Bank and Comenity Capital Bank  Cards. S ome were even pre-approval pop ups when I visited some of the websites. The bank closed ALL of my accounts. No notice or anything. I have not even received a letter stating why the accounts were closed. My credit scores have dropped tremendously since the closures and the inquiries are still there. I even got letters in the mail to call and verify my idenity and after doing so, was immediatly approved for the cards. If they did n't want me as a customer they could have simply denied me credit.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2016 about Debt collection (Credit card) with Evans Law Associates, P.C. (OR).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Misrepresented themselves as attorneys with the ability to sue ( they do not have an office in Oregon and thus have no right to do so, they are thus collectors ), refused to send me verification. Hung up on me, refused to accept my request for cease and desist of telephonic communication, provided me with false contact information and website. Refused to even identify the debt to me

Company response to consumer: Untimely response
Consumer complaint received 08/30/2017 about Vehicle loan or lease (Loan) with ALLY FINANCIAL INC. (CA).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I want to file a formal compliant against ALLY FINANCIAL as they had reported me 30-59 days late for XX/XX/2017 when i was assured by their representatives that this would not happen. I had called their service number multiple time to inform them that my XX/XX/XXXX statement was missing and they had informed me that it was not an issue and I would not be charged any fees and a payment was processed and I was told I would be getting a new ones sent out. When the new one came I paid as I usually do and kept that process going as I always have until the car was paid in full. I am saddened and confused by why they reported me 30-59 days past due and caused my credit score to drop over 100 points! This is so horrible and not fair at all. I do not appreciate being lied to and I am a great customer. This account is closed and paid off an don one in customer serve is reliable or helpful to me in alleviating this issue. Please can someone investigate this and help me with the false late that is tarnishing my credit report?

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 07/27/2017 about Debt collection (Credit card debt) with Experian Information Solutions Inc. (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I am contesting the account with XXXX/XXXX. It is an account that was opened without my consent. It is showing a balance of {$0.00} with a {$590.00} credit limit. Experian is stating on their report that it is even late and over the limit with a 0 % usage. I need Experian and XXXX/XXXX. to correct this account on my Experian report. I should not owe XXXX/XXXX. anything since the account was opened and used without my consent, and I have been a victim of idenity theft. Please correct this on my Experian report it is showing negative remarks. I am trying to refinance my home a I can not until this is removed from Experian Report and corrected. Please remove. It has been corrected on my XXXX and XXXX reports, too.

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