milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-05-2017 about Credit card () with SYNCHRONY FINANCIAL (NJ).
Issue: Forbearance / Workout plans

Complaint: Due to financial hardship I was unable to keep up with monthly payments on my Synchrony/CareCredit account, which was in excess of {$3000.00}. At XXXX point about XXXX months ago they offered to settle it for a fraction of the balance but I told them I intended to pay the full debt but needed more time. I then began receiving threats to charge off the account, to which I told their representative on the phone that I did not want it charged off but needed more time to be able to start payments again. That person said they would note it on the account. 

I now come to find out that this shady company went ahead and charged my account off anyway, thereby breaking their word and damaging my credit rating. They are refusing to to take it off chargeoff status until it is paid in full. 

I acted to me detriment based on false assurances from this company 's representatives. What I want is to have the full account restored and this damaging information removed from my account. 

I AM NOT A XXXX!!!!!! I am a hard-working XXXX who, like millions of others, have been suffering under the current draconian economic climate. Synchrony/CareCredit is proving itself to be a predatory lender.

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 01/23/2018 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (LA).
Issue: Trouble during payment process

Complaint: XXXX present the wrong verification of claim in my chapter XXXX. I over paid in the chapter XXXX. XXXX sent me a letter out expressed I was just assume to pay XXXX and I paid XXXX. On the last letter Chase expressed I did n't pay anything besides XXXX. I have enclosed my Chapter XXXX print out to demonstrate what I paid.

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2017 about Debt collection (Credit card debt) with Atlantic Recovery Solutions LLC (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XXXX   XXXX ,    2017 Atlantic Recovery Solutions calle d myself, my husband, and my sister in-law multiply times saying that I owe   XXXX   XXXX  . Even after I talked to them and told them I would look into this matter and to not call me back that I would call them back they continued to call myself and husband multiple times each day. The individuals that I talked to threatened that this will go on my credit report and under my social security number if I do not pay them by the end of the day. I asked for specific documents and transactions about this account and the company said that it would take up to a year for them to get my any type of documentation. All they could send me was a Validation of Debt letter and a Placement Letter, but nothing specific to the account.

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 06-06-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: To whom it may concern : I sent a letter to Navient ( XXXX XXXX ) back on XXXX/XXXX/2016 at XXXX in reference to how to allocate my monthly payments if there is a greater amount than the minimum due. As of today I have yet to receive a response. I called them to ask them about my email and the customer representative said that the system does not allow her to see my emails, which is a total lie because they have seen my emails before. It was the last time I called back in approximately XXXX 2016, Navient can go back and pull the recording. I have contacted the cfpb before regarding the terrible business practices of Navient ( XXXX XXXX ) and yet they continue to do whatever they want with no regulation whatsoever. 
Can someone look into this new matter of them not responding to my emails, especially when it comes to paying down my student loan debt. 

Thank You LETTER COPY : I am writing to provide you instructions on how to apply payments when I send an amount greater then the minimum due. Please apply payments as follows : 1.After applying the minimum amount due for each loan, any additional amount should be applied to XXXX with a balance as of XXXX/XXXX/16 in the amount {$14000.00}. 
2.If there are multiple loans with the same interest rate, which LOANS XXXX and XXXX have the same interest of 3.375 % please apply the additional amount to the loan with the lowest outstanding principal balance ( XXXX ). 
3. If any additional amount above the minimum amount due ends up paying off an individual loan, please then apply any remaining part of my payment to the loan with the next highest balance, which is LOAN XXXX. 
Retain these instructions. Please apply these instructions to all future overpayments. Please confirm that these payments will be processed as specified or please provide an explanation as to why you are unable to follow these instructions. 
Thank you for your cooperation

Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2017 about Checking or savings account (Savings account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: On XX/XX/XXXX I was charged a monthly maintainance fee of {$5.00}, but I kepted the minimum required balance of {$300.00}. At the time I was charged, my balance was {$300.00}.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: On XX/XX/XXXX, Equifax the credit bureau, discovered a data breach that compromised my information which includes but is not limited to my name, social security number, credit score, etc. Despite this breach affecting not only me but 150 million other Americans, we only became aware of it in early XXXX 2017. 150 million americans experienced identity theft and for almost 2 months none of us knew. Add to that their CEO 's made sure to sell their stocks before hand.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2016 about Debt collection (Credit card) with Cohen McNeile & Pappas, PC (MO).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: In XXXX XXXX we were served with court documents indicating that XXXX XXXX and their counsel XXXX, XXXX and XXXX filed suit against us in a debt that we allegedly owed XXXX XXXX. 

On XXXX XXXX, XXXX, we contacted XXXX XXXX under our XXXX XXXX service to ask for advice regarding this case. We can not afford legal counsel but through our XXXX XXXX membership an attorney was able to offer limited help. XXXX XXXX sent a letter to Cohen, McNeile and Pappas on our behalf asking for verification of the alleged debt. The letter stated that neither the XXXX XXXX Attorney nor XXXX XXXX would be entering an appearance on our behalf and that we have no money for representation in court proceedings thus all communication should be sent directly to us. 

On XXXX XXXX, Cohen, McNeile and Pappas, counsel for XXXX XXXX erroneously sent validation documents to XXXX XXXX. XXXX Judge forwarded the exact documents to us. Upon review of the documents it was discovered that counsel for XXXX XXXX provided XXXX XXXX Statements of debt owed by XXXX different individuals, neither of these consumers are related to myself or my husband. 

On XXXX XXXX, XXXX XXXX XXXX sent a letter to Cohen, McNeile and Pappas, counsel for XXXX XXXX, making counsel aware of the error Cohen, McNeile and Pappas made and their privacy breach. 
Counsel did not respond to this letter and when we appeared in court on XXXX XXXX, XXXX my husband and requested a dismissal of this lawsuit due to Cohen, McNeile and Pappas ' mishandling of this case ; in sending documents to the incorrect party, and the privacy breach in providing XXXX Statements ( validation ) for XXXX individuals that are not related to the case filed against us by XXXX XXXX. 

Counsel has responded with conflicting arguments that XXXX XXXX and our debt management company sent the wrong documents to us and that the breach was not their fault. It is impossible that our debt management company made the error due to the date we received the documents. Cohen, McNeile and Pappas represents XXXX in this case as well as many others, giving them access to XXXX 's Consumer information. XXXX XXXX does not represent XXXX XXXX in any way and has no relationship with either consumer who 's private information was divulged. It is also still unknown where the validation documentation of our debt was sent initially.

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 with explanation
Consumer complaint received 08-03-2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (KS).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: For several months this spring I received emails from Sam 's Club/Synchrony bank telling me that I was to accept estatements and that I was not to receive any more paper statements. I did not accept estatements ; I checked my account on the website and it does not show estatements turned ON. I have not received any more paper statements for the months when I had purchases.
I received my last Paper statement for Payment Due Date XXXX/XXXX/17.
I did not receive a paper by mail or estatement by email for purchases I made on XXXX/XXXX/17. I did not know the " From and To '' date for the billing cycle for the purchases, and estimated that the payment was due on XXXX/XXXX/17. I did not know whether or not my estimate was correct. Evidently I was right, because a {$37.00} late charge was not applied to my Synchrony Bank card account for Sam 's Club.
On the morning of XXXX XXXX, 2017, I spent 2 hours on the phone with no results. I called Synchrony bank and got nowhere. The credit card company said I was supposed to be receiving paper statements. Obviously paper statements have been turned off. I can only go on the web site to ask for a " past '' paper statement.
I also tried to call Sam 's Club head office. I was given incorrect numbers by the local store. It took half an hour for me to get a number to Sam 's Club head office, but I never got through to anyone to tell them about the problems created by the card company for their customer : It is obvious to me that this is designed to create confusion for the credit card holder. People schedule payments from a statement where they can see the charge, payment due date, and a " from to date '' for the billing cycle.
Problem 1 : No statement means that people will miss a payment and have {$37.00} fee applied.
Problem 2. There is no " From To date '' for the billing cycle. This means that I can not tell the billing cycle that a purchase falls into, therefore I can be charged {$37.00} for late payment.

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 11-03-2016 about Credit card () with STERLING JEWELERS, INC. (GA).
Issue: Bankruptcy

Complaint: The 15 U.S. Code 1681g Section 609- Disclosures to consumers requires CRA 's to disclose the sources of information regarding the negative events that are being reported by your agency upon request by the consumer. The date of first delinquency for this account was XX/XX/2009. Therefore, this negative event despite being included in chapter XXXX bankruptcy has met the 7 year reporting time frame to all XXXX ( XXXX, XXXX, and XXXX CRA XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2017 about Debt collection (Federal student loan debt) with AES/PHEAA (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: My student loans were transferred to a new service provider in the beginning of  XXXX . My original provider was  XXXX . My loan was transferred t o FedLoanServicing.  I made my regular payment at the end of  XXXX  and it was withdrawn from my checking account on  XXXX   XXXX .  FedLoanServicing h as no record of this payment and now I am being shown as being 30 days delinquent on my loan. I contacted  XXXX  initially they were able to find my payment and they indicated that it would be sent over to the new provider. I called back a week later, they noted they cant find my payment at all. They asked for me to send proof of payment. I sent the proof from my checking account statement. A week later, still no response or transfer of my payment. I am now being told that it will tak e 60-90 days for my payment to be transferred.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/31/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There are negative items listed on my credit report that are false. I do not owe these companies ( XXXX, XXXX ) any money. I want the negative items removed immediately. I have disputed this information with Trans Union several times, and they have not removed the false information. They also would not let place a statement on my credit report refuting these lies. Why are credit reporting agencies allowed to lie, and I have no recourse against 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 10/26/2017 about Debt collection (Credit card debt) with Weinberg Mediation Group LLC (VA).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: XX/XX/XXXX my mother received a phone call from the Weinberg Mediation Group concerning a debt of mine. They did not call me, although they have that number on file.They ( her name was XXXX ) told my mom I owed {$420.00} and if not paid that day I would be sued. Even made it sound like I had used my mom 's information to get a credit card. They emailed my mom a statement of who and what was owed. How can they talk to my mom, I 'm XXXX years old and do n't even leave with her. I called Weinberg back and was told on my credit application I used my mom as a reference and that 's how they got her number. I did set up payment because she told me I had to payment is for the XX/XX/XXXX. I really do n't believe I took this credit card out, there are 2 on my report from the same company about 2 weeks apart. I would not of done that. The Weinberg refuses to Validate this through USPS, said they ca n't. Today I called the original creditor and was  told they do n't ask for references on applications. So I know this lady got my mom 's phone number from something else. I just do n't know what to do. I would like more time for this to make sure I did this and its not Fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I received a notice in the mail on XXXX from Convergent Outsourcing , Inc. stating I owed a debt to XXXX. On my credit report from all three major credit reporting companies that I had an account opened with XXXX in XXXX of XXXX. 
I sent a letter via certified mail to Convergent Outsourcing, Inc. on XXXX requesting verification of the debt owed. They mailed me documentation on XXXX indicating an account from XXXX had a remaining balance. However, in California, I understand the statute of limitations on debt collection is only 5 years? 
I am confused as to what my next step would be and how to get the negative information removed from my credit report as it is inaccurate. So it 's not exactly that they are trying to collect the wrong amount, but it is that non should be owed because the debt is from 6 years ago. 
Please provide some assistance. Is this illegal and aggressive debt collecting or am I misinterpreting the situation. The fact that they purchased and opened this debt in XXXX and reported it to the credit reporting agencies as an unpaid account opened with XXXX before I had received any communications about the debt or had any chance to dispute it seems unsettling. 
Thanks. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (ID).
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: -XX/XX/XXXX Divorce : Ending marriage contract between myself and ex-spouse. Account balance on " Account '' was {$0.00}. Divorce states to hold harmless each other of all future debt occurring after date of separation XX/XX/XXXX -XX/XX/XXXX : Ex-spouse a

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 non-monetary relief
Consumer complaint received 12-09-2016 about Debt collection (I do not know) with Avant Credit Corporation (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: There was a loan taken in my name from a company called Avant which I had no knowledge of or received money from. A company called XXXX bought the loan from them and originally called me in XX/XX/XXXX through XXXX, they were told that the debt was not mine and I never applied for a loan nor received any money from a loan from AVANT or XXXX. Did not hear anything in response until I received a call on XX/XX/XXXX from XXXX who attempts to collect money on behalf of XXXX XXXX, they also called other family members trying to get my information. They were told again the loan was fraudulent, but they are still attempting to collect the debt which should not be mine. I did some research on what AVANT requires to accept to pay out a loan and they require bank account information and to verify employment, which would have been hard for me to do since when this loan was taken out ( XX/XX/XXXX ) I was unemployed and a XXXX and my bank account records will show I never received any loans from AVANT or XXXX. I am uncertain how they operate but it appears they need to validate their information before paying out to someone who claims to be someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Debt collection (I do not know) with FAIR COLLECTIONS & OUTSOURCING, INC. (AZ).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: they call non stop and now have contacted a friend of mine. I have no idea how they got his telephone number, but said they were calling for me to collect a debt. I also paid them in the past and they still call and say it 's not paid. it is XXXX and they called from 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 04/25/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have disputed this account multiple times with all the bureaus and XXXX its self. I have not received any kind of response concerning this account. The account is reporting as a collection with a balance that is not correct. This account was paid by another cellular company when I switched out contracts.

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I received a letter from Equifax stating that a new address has been posted to my Equifax credit file. We have not moved and the " new '' address is actually a previous address. Equifax will not change it back. We would like them to remove this address change from their files.

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2018 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: On the Public Records section of my TransUnion Credit Bureau report there are six negative records which say the reporting was by the Recorder of Deeds and the US Bankruptcy court. Letters were sent to TransUnion XX/XX/2012 and XX/XX/2012. TransUnion has indicated that these court entities have reported this. I have enclosed documentation which show the documentation from the court indicate there is no reporting by them to any credit bureau. The problem is that none of the information is accurate. TransUnion receives its information from XXXX who sells it to TransUnion Credit Bureau. This is a violation of the Fair Credit Reporting Act to report false information by claiming to get information from a Court when it is actually obtained by a 3rd party. 
TransUnion has claimed that this information has been verified. This is completely false information. 
I am sending copies of the court documentation sent to me as well as a list of the public records and dates that letters were sent to TransUnion disputing the accuracy of these records.

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