milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/30/2015 about Credit card () with SYNCHRONY FINANCIAL (TX).
Issue: Billing disputes

Complaint: I have not received a bill in the mail at all until today, despite having had an account since XXXX 2015. I have been struggling trying to gain access to my account online as well. The bill I received today stated that I owed {$98.00}, which is odd since I paid my bill in full several months go ( a little over {$35.00} ) and had n't ordered anything since then. 

I called their number and after a wait spoke to a person who identified herself as XXXX XXXX, a representative with a XXXX accent. I explained the situation and expressed concern that someone had stolen my card or unlawfully accessed my account and charged some items since I had not ordered or received them. She put me on hold and then returned to tell me that she could n't help me, that my account had been placed in collections. 

I had JUST received a bill that XXXX ( yesterday ). She tried to hustle me off the phone and I insisted on speaking to someone who would help me, because everything she was doing had so far been, to my knowledge, completely wrong. She continued to insist that nobody could help me because my account was in collections and there was nobody who knew anything about managing my complaint or situation. I told her that I am a US citizen and that what she was telling me runs counter to consumer protections. She eventually transferred me. 

The next person I spoke to called himself XXXX XXXX, id supposedly wsq, also with a XXXX accent. He was slightly more helpful but told me that the amount stolen would be accruing interest and late-payment charges while in dispute. He also wanted to outright cancel my account, which I believe would make it much more difficult for me to check the status of the dispute. XXXX also stated that there was no claim number. He then transferred me to XXXX, a person who spoke North American English with no discernible accent. XXXX did not explain why Synchrony Bank 's ( the bank that sources Amazon 's credit card ) XXXX response was to tell me that I could not be helped and aggressively try to dump the call. He did cancel the card, take information such as my car having recently been broken into etc, and told me that there was no case or claim number associated with my case but I could call back in 24-48 hours to check on the case 's progress. 
Synchrony Bank's/the Amazon Card 's response in the face of theft and fraud was to tell me that I am stuck with the bill and the dings on my credit report that result from late charges and going into collection rather than forwarding me to the fraud department. 

I should not have had to convince them to do the right thing. If they had been speaking to an elderly person, or a person with limited phone time, the charges of fraud would not have been addressed. This is an extremely shady bank and card.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AK).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I am writing a complaint after being harassed by these companies for the last three years since my debt has been paid in full. These debt companies have called several times during all different hours of the day, written, contacted my work, contacted my family members and asked my whereabouts over a debt that has already successfully been paid since XX/XX/XXXX. If I remember correctly the majority of the loan was repaid through XXXX XXXX XXXX and then the last thousand or so dollars was turned back over to the State through the Alaska Commission of Post Secondary Education to satisfy the remanding balance of the loan. The Alaska Commission on Postsecondary Education sent me a letter verifying the debt had been paid. The Education Loan I am referring to is in the total amount of {$6700.00}. These companies are threatening to charge interest fees on the loan that has already been satisfied as well. I had contacted the Alaska Commission of Postsecondary Education regarding this in late XXXX maybe early XXXX in which they said they would contact the companies and let them know that the debt had be satisfied. That obviously did not happen. This has caused financial stress on our family for the past three years and my credit is non-existent. This was already a stressful time for my family and this added immensely to it. It is not acceptable for companies to continue to do this to me, or to anyone. These companies should be held liable at the highest extent possible. Should they continue to do this I will sue them. The companies are the following : XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX, PA XXXX Disputed Sums, XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX, NY XXXX Alaska Commission on Postsecondary Education XXXX    XXXX XXXX XXXX, AK XXXX Your attention to this matter is greatly appreciated. I already contacted these companies in writing to let them know I do not owe on this debt, t has been paid in full, included the letter from Alaska Commission of Postsecondary Education stating the same, and also notified them that I would be making a complaint with the Consumer Financial Protection Bureau, State Attorney Generals Office, and Federal Trade Commission.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2016 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (WA).
Issue: Loan servicing, payments, escrow account

Complaint: My husband and I divorced XXXX XXXX XXXX and our house was in foreclosure. I applied for a loan modification in XXXX XXXX and was approved, after I sent my divorce decree and filed a quick deed claim with the courts. ( and all of the other XXXX pieces of paperwork. ) I went on the 3 month trial period and passed it, XXXX. XXXX, XXXX. Then my ex husband filed bankruptcy XXXX. XXXX, XXXX. They took my loan modification away. I was awarded the house in the divorce decree also. They said that my ex husband 's bankruptcy lawyer did n't file a motion?????? This lawyer said he did. So either the lawyers lying or the home mortgage company has lost it?????? Its my house. why would it have anything to do with my ex husbands ' bankruptcy. Now I cant even make a house payment because the house is in " protection ''?????? I do n't know what to do.

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 06/27/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (CO).
Issue: Loan servicing, payments, escrow account

Complaint: The mortgage servicer made XXXX errors on my mortgage account in the past two months : First, they automatically credited my XXXX XXXX mortgage payment erroneously to the escrow account. They then claimed that I did n't pay two months of mortgage payments and owe late fees. They also claimed that when I attempted to pay my XXXX XXXX payment, I entered an incorrect bank account number - but they did n't inform me until over three weeks later, thereby making for more late fees. I do n't believe any of this is accurate.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: This is a account that continues to report negatively to my credit that is not mine. It lists me as a authorized user, but stopped reporting XX/XX/2015. The company agreed to remove this from my credit report since it was not mine debt and sent me this in writing and verbal agreement via phone - but XXXX days later it still appears. Equifax is not updating their report or the company did not due as they are required. It is also reporting a late, which is not mine, which is negatively affecting my credit score, and ability to obtain new credit and qualify for a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: TransUnion, XXXX, XXXX all are treating XXXX hard inquiries as XXXX hard inquiries when they were within 45 days of each other, and were ALL related to shopping rates for a single mortgage refinance. Two were XXXX and one was XXXX. XXXX XXXX, 2016 and XXXX XXXX, 2016 for XXXX and XXXX XXXX, 2016 for XXXX. These are supposed to be treated as one inquiry.

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 05/20/2015 about Debt collection (Credit card) with HSBC NORTH AMERICA HOLDINGS INC. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Company keeps calling me at work and at home and NEVER identify themselves or company name. They leave leaving threatening messages for fraudulent debt. The message started with " A complaint had been filed against you '' and that I " and or my attorney need to call ''. '' They then threatened to contact my place of employment. I have not received anything in the mail in regard to this nor do I now owe, nor have I ever owed, any bills or other debts. You call the number back and get no information concerning true identity of company.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Mortgage (FHA mortgage) with ATLANTIC PACIFIC MORTGAGE CORP (NJ).
Issue: Trouble during payment process

Complaint: It has been five years plus since 2012 that I have been trying to get my escrow back from XXXX when they sold my mortgage to XXXX which violated my consumer rights ( letter to Insurance company to change the Mortgagor to XXXX ). Attached is a copy of the check.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2017 about Debt collection (Credit card debt) with Kramer & Frank, P.C. (MO).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: This company, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$1100.00} with XXXX, XXXX, & XXXX credit reporting agencies. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt,

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 08/31/2016 about Credit card () with HUNTINGTON NATIONAL BANK, THE (PA).
Issue: Credit determination

Complaint: I applied for a credit card at my bank and was turned down. I received a letter that they turned me down because of XXXX. I called and asked what were the main reasons I was turned down or how to get the main reasons. they said I had to go to the bank to find out. I am XXXX and do n't drive in essence cant get to bank. bank would n't help me.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2016 about Mortgage (Conventional fixed mortgage) with Residential Credit Solutions, Inc. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: The check my bank sent for the regular XXXX payment using XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX was not cashed, and the mortgage payment showed on the RCS website as past due. 
I noticed and called them around XXXX/XXXX/XXXX. I was told that they had problems with the mail this month, not to worry, many customers were in my situation, and the late fee will be waived for all their customers. 
I called again around XXXX/XXXX/XXXX, and was assured again that all is well. 
on XXXX/XXXX/XXXX the payment was still not posted yet. I called RCS again because I was worried that a 30 day delay in mortgage payment will be posted to the credit agencies. That would be a credit disaster. 
I received no promise that such a report will not be filed. I therefore offered to pay again for XXXX over the phone, about two weeks earlier than my regular payment in XXXX, to make sure that the XXXX payment is credited before 30 days are over. 
The agent told me that while the penalty will be waived, a " transaction fee '' varying between {$5.00} and {$12.00}, charged by XXXX XXXX, will be charged to me. He said that he has no way to waive this charge. 
My suggestion that this is an RCS problem and therefore they should pay the charge got us nowhere. 
I ended up paying again for XXXX through their website, paying a {$5.00} transaction fee. I still have to see tomorrow whether the payment without the penalty will be credited to my account. 
RCS is not taking responsibility for their problems. I see no reason for me to try and work around their issues. It cost me {$5.00} this time, but I had issues with them in XXXX and in XXXX where my payments were " lost '' in their system for a few days at a time. This is the only servicer I had issues like this with. 
They need adult supervision before they cause a lot of damage and a lot of work for other people.

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2016 about Credit reporting () with EQUIFAX, INC. (NM).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax is not responding to any of my requests to investigate, verify and remove some accounts from my credit report that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2017 about Consumer Loan (Installment loan) with Risecredit, LLC (GA).
Issue: Taking out the loan or lease

Complaint: Contract agreement was for {$180.00} per month for 45 months, however, Rise Credit began taking an unauthorized amount of {$360.00} per month. Upon contacting the company regarding this matter I was informed these details were not mentioned on the initial contract pages. I feel that I am a victim of predatorial lending practices. I want this company investigated and exposed for their fraudulent an unfair lending practices. I am a XXXX veteran and can not afford this type of ripoff.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: On XXXX XXXX, I requested my free credit report from Experian using their webform, and received the following error : " We 're sorry '' / " A condition exists that prevents Experian from being able to accept your request at this time. '' / " To obtain your Experian annual credit report, please mail your request to the address below using the Annual Credit Report Request form. '' I mailed a request the same day, on XXXX XXXX. On XXXX XXXX, I again tried to retrieve my report using the web form, and received the same error. ( I can not recall ever, since the first launch of the free annual credit report site, successfully retrieving a report from Experian online. ) It has now been more than three weeks since I mailed the paper form, and no paper credit report seems forthcoming either. I understand that Experian is required to comply with my request within 15 days, but I allowed 3 weeks as suggested by the CFPB site. At this point I am going to try again, sending the form by Certified Mail. I do not feel that I should have to go to such lengths to obtain what the law says Experian must provide me.

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 09-04-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have incorrect credit balances that have been displayed incorrectly for the past 2 weeks and have n't been updated correctly. It 's showing max utilization and it is bringing my score down drastically. The balance has been brought down to about {$2400.00} on both credit cards combined and the credit limit has been increased to {$7400.00} on both credit cards combined. I need my score to improve since they will be approving me for grad plus student loans and will be checking my credit score starting XX/XX/XXXX so please update the information asap. I attached a word document and a print screen of current balances.

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 03/14/2018 about Mortgage (Conventional home mortgage) with CITIBANK, N.A. (NY).
Issue: Trouble during payment process

Complaint: I have an escrow account with Citibank to pay my taxes and insurance. The house receives one tax bill for the county and one tax bill for the city. The city tax bill was paid on time with no issues. The county tax bill has not been paid and is now 2 months late. I have inquired about this directly with Citibank no less than four times. The responses are generally, " it's under investigation '', " it has been escalated '', etc., but there has been no change and no updates. The bill was due on XX/XX/XXXX and was received by the bank in early XX/XX/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 non-monetary relief
Consumer complaint received 11/19/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY ().
Issue: Loan servicing, payments, escrow account

Complaint: XXXX /wachovia bank / wells fargo bank [ mortgages ] there are wells fargo whistle blowers on all the public chat lines XXXX about mortgage fraud /fraudulent forclosure /preadatory lending /forced home owners insurance stolen propertys / stolen funds from escrow acounts / excessive acount charges / none applied funds / fasified documants / perjury comitted in courts across america, No missed paymants acont in credit all the proof is in the court papers that the corrupt judge XXXX refused to look at. that is fraud, the cfpb and XXXX XXXX XXXX have recieved complaints about wells fargo and you have done nothining since XXXX until XXXX and still fileing complaints to case all of these email will be used in evidance against you as you have been negligent and i hold you responsable for my incureing loss of my family home so we go to court, you have had enough time to bring wells fargo to justice and all this crapp about false acounts is a deliberate act of divershion to make the tax payer that you are doing your job? And that is rubbish and you no it fraudulent, mortgage forclosure is the biggest rippoff since watergate? i wonder if XXXX XXXX knows what has been going on this is govermant planned to the core and i will prove it but iam going to ask the new presidant why i had my home stolen? with over 50 % equity in it good steel? then iam going to float it on XXXX for responce before court proceedings i will win in the end

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
Consumer complaint received 08-03-2016 about Credit card () with SYNCHRONY FINANCIAL (MA).
Issue: Other

Complaint: GENDER DISCRIMINATION - I used a kiosk at XXXX XXXX in XXXX, MA for a third party credit card company " Synchrony Financial '' that XXXX uses to offer their customers zero finance credit cards for one year. - This is a gender discrimination complaint. After answering all the questions, they prompt you to estimate the total cost of purchases you wish to make. I keyed in $ XXXX. They returned with a $ XXXX credit card that was activated. At my request, a XXXX employee contacted Synchrony Financial to review my application and reconsider my full requested amount. They declined to change. I spoke with XXXX Sales Manager XXXX XXXX and expressed my concern of gender bias. I cancelled half my furniture order and gave XXXX a personal check for the balance of the order. While I was waiting for my paperwork I sat next to the kiosk. While I was there another woman applied at the kiosk and was declined for the amount she wanted. The employee in the XXXX credit department asked her if she had a husband, and if so, he could apply at the kiosk and then XXXX could request their credit card approval amounts could be blended onto XXXX card. Understand that my NET income a month is $ XXXX. If I paid minimum monthly payments - after bills are paid, my monthly discretionary income is $ XXXX. I had to wait three days to cancel the credit card ( automatically issued ). Cancelled on XXXX/XXXX/XXXX with specific instruction to state " closed at customer 's request '' - when the information is released to the credit bureaus. I was assured this would happen, and informed them I would follow up with the credit bureaus at a later date to confirm this was in fact done.

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 02-06-2017 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Using a debit or ATM card

Complaint: On XX/XX/XXXX, I reported identity theft to Chase bank for someone stolen my credit card and ATM / Debit card to go to Chase bank system and setup online banking changed my current home address, forward all my statements to somewhere and withdrawal all my chase bank checking / saving account fund from XX/XX/XXXX to XX/XX/XXXX. I have all evidence and identified as unauthorized. XXXX gave to Chase bank XXXX Id theft report case #, FTC id theft report case #, USPS Inspectors id report case # and Office of XXXX District Attorney id theft report case #, XXXX bank Faurd and Claims Dept. did not get deeply invstigate for my identity theft report cases and just denied all my claims.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/23/2018 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (TX).
Issue: Trouble during payment process

Complaint: complaint XXXXt ditech is trying to use fake documents against me ... .i have the real ones notarised ... .there 's is fake and not notarised ... i have copies of both ... .they are trying to XXXX me out of {$16000.00} ... .they also tried to infect my computer with a virus sent in an email from them ... PLEASE HELP ME ....

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation