milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-02-2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (NV).
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: XXXX XXXX Card by XXXX XXXX did not communicate with all three credit bureaus within 30 days of receiving any of the two letters sent to you that the item in question was in dispute as per the Fair Credit Reporting Act. As proven by my most recent credit report from all three credit bureaus. 
I have disputed a debt and you have failed to report it as disputed with the credit bureaus. 
Protection under the Fair Credit Reporting Act. ( FCRA 623 ) If a consumer notifies a furnisher, at an address specified for the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. Section 623 ( a ) ( 1 ) ( B ).
If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. This identified by an informational line about the dispute added in the comment section of the item on the credit report. Section 623 ( a ) ( 3 ).

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 11/28/2016 about Prepaid card (Other special purpose card) with AMERICAN EXPRESS COMPANY (FL).
Issue: Unauthorized transactions/trans. issues

Complaint: Use the cared for a stay at XXXX hotels on Wednesday XXXX XXXX 2016. This was a one nite stay of {$100.00}. During the stay a problem occured that prompted the hotel to refund the amount of the stay for that night. On the XXXX of XXXX I received a receipt showing I owed no money and my balance was zero. The hotel will verbally confirm this with a phone call.On the XXXX of XXXX when the credit did not appear on my card I called customer service for Amex XXXX and they informed me that the amount will not come back on my card for 30 days, even if the merchant releases it before the 30 day period expires. 
This is a prepaid card, not a credit card where the credit on the card is dependent upon what limit you have on the card is set by a lending institution. The card holder/ consumer sets the limit on what they want to spend. However Amex has decided that if this card is used at a hotel the card holder loses his money if it is refunded by the merchant. 
This action by Amex tells me that the merchant has more rights in the use of this card that the card holder. Also Amex must be mindful of the fact that they, Amex has a fiduciary responsibility to the card holder, the merchant does not. As of the date of this filing {$100.00} has not been refunded to me and according to XXXX customer service I will not get it back until XXXX XXXX. This is grossly unexceptionable. In addition Amex is giving the merchant more rights and consideration than me ; the cardholder. That is a clear violation of the XXXX. It appears the credit contract has and is built on terms of adhesion.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: The debt was paid to the original creditor. Proof of payment is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2017 about Mortgage (FHA mortgage) with POLARIS HOME FUNDING CORP (OH).
Issue: Application, originator, mortgage broker

Complaint: I worked with a loan officer name XXXX @ Polaris home funding group. He was helping me with my first mortgage loan but failed to disclose information to me that was part of the contract, such as dollar amounts. 3 days before closing I was told to sign the contract by his under writer XXXX and that I need to rush it and that the dollar amounts on the contract was n't correct but will be fixed by our closing date which was XX/XX/XXXX. I asked XXXX, XXXX and XXXX why are we waiting three days and they just stated we have to wait for things to go through and then questioned me if I was getting cold feet. They never mentioned the fact that I had those 3 days to resend with no penalties. XXXX and XXXX also told me a different amount that I would be paying for my mortgage before closing and at closing it was a higher amount. During this process I was rushed to sign paper work which I did read but did n't understand it and when I ask XXXX to explain to me he became very rude and told me that he was n't in the business to educate which left me to looking my questions up on the internet. XXXX bother XXXX was also my real estate agent who failed to explain anything to me as well and went alone with XXXX and suggested that I rush all signatures. I also had questions for XXXX about the home I was purchasing and he as well ignored my questions and stated he would get back with me but never did ... During the closing I was n't represented by anyone from Polaris and when I was signing the contract the information was different and when I called XXXX on speaker phone he again became very rude and stated that he changed the numbers to benefit me but failed to disclose any of that to me. XXXX then stated that I can just not close that day and threaten me and stated that I will have to pay more at the next closing if I did n't sign the contract. At that time the title representative advised me of my rights and the listing agent XXXX advised me that my real estate agent has n't been in contact with her about any of the questions that I needed answered. With that being said I signed the contract even though I was extremely upset because this was the worst experience I 've ever had and this happens to be my first home purchase. XXXX was withholding information to benefit him and his brother who happened to be my real estate agent. Polaris Home Funding group has agents that have unethical practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Debt collection (Federal student loan debt) with TRANSWORLD SYSTEMS INC (ME).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Transworld Systems Inc. XXXX XXXX XXXX XXXX , DE XXXX is trying to collect on a college loan that was hardship discharged after the death of my husband in XX/XX/XXXX. I 've had no further correspondence regarding this loan until this past year when now they said I am delinquent and trying to attach to my wages. They have already taken my tax returns. They do n't call, they do n't answer calls, they do not send any paperwork. They never contacted me regarding any payroll withholding so they are doing this without my permission and I 've ready received a release from withholding from them when they tried to do this in XX/XX/XXXX and my payroll department contacted me. They are trying again in XX/XX/XXXX and I 've sent paper work to them twice that they have released me from withholding already but my employer says the will have to withhold if Transworld does not contact them to straighten this out.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2016 about Credit card () with JPMORGAN CHASE & CO. (DE).
Issue: Payoff process

Complaint: Off and on for a few years now, I have attempted to set up auto payments on my Chase Visa card. The only options they give for autopay ( and I keep checking back to see if it 's changed ) is either the minimum amount ( a bad idea, as shown on my statement ) or the full balance ( which I ca n't pay ). All my other credit cards have allowed me to choose the amount of the autopayment. Therefore, with my Chase Visa card I have been working to manually pay about twice the minimum each month, but the window to pay is so narrow that I have incurred lots of late fees and my interest rate has now risen to 27.49 %. I think this is an unfair practice designed to fleece consumers, and I would like the CFPB to put a stop to it, and I would like my late fees credited back to my account and my interest rate to be lowered to something reasonable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/13/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There is a XXXX collection listed on my personal credit report, I have disputed with Experian and they stated they investigated which is false I took it upon myself and called XXXX and I do not have this account or owe ANYTHING. Please help I do not know what to do now. Experian is n't doing anything about this and this remark needs to be removed XXXX 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 02-10-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Ad Astra Recovery Services Inc (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I originally owed money from XXXX XXXX for a personal loan in the amount of {$2600.00} plus a pay day loan of {$250.00} for myself and another payday loan of the same amount under my wife. About a year and half ago I suffered from severe financial difficulties that I no longer can afford to maintain my payments. I employed XXXX XXXX XXXX XXXX of MA. to handle my repayments. XXXX XXXX accepted the arrangements and as evidence I have copies of cancelled checks to support my claims. Lately, I received E-Mails and letter of collection from Ad Astra for more than {$3000.00} and had refused to accept the cancelled checks as evidences of payments. They stated that the payments made were just for interest only. As a result of the derogatory remarks on my credit history, I ended up being turn down by XXXX XXXX XXXX for housing and in spite of my grant for an automobile grant as a XXXX veteran, I ended up with a higher payment interest rate because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2016 about Consumer Loan (Vehicle lease) with ALLY FINANCIAL INC. (FL).
Issue: Managing the loan or lease

Complaint: Without my knowledge or consent, Ally Financial forced me into electronic billing and requires me to log in to their website in order to see my statements. No notice or statement was sent out for my payment due XX/XX/2016. Based on prior experience, the due date shifts around. Today is the first day in over 60 days I 've received any communication from Ally which was by email, saying I need to log in to see my next statement due in XX/XX/XXXX which will have a late fee. 

When asked for licensing information I was told they do not provide that.

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 02/14/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I co-signed on a student loan for my grandaughter in XXXX at XXXX University.I have been paying this loan since then. I have paid this for twelve years and they are only saying ive paid {$53.00}. They state they charge interest by the day which i surely dont recall being in the contract i signed. Ive paid off XXXX cars brand new in this time so that should tell you something. This loane should have been paid off, my credit report even says it was closed and here it comes again. Im a senior citizen i can not even retire with this hanging over my head. Ive called XXXX of times no one can answer questions they transfer you or hang up on you! Sallie mae sold their accounts to navient and when you they transfer you back and forth between companies. The last call was made XXXX/XXXX/XXXX i spoke with XXXX, XXXX and XXXX who just kept transfering they are incapable of answering questions or maybe theyre trained that way. At this point i feel they owe me money because ive over paid.

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2015 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Equifax refuses to include public court records of satisfaction of multiple mortgages in my credit reports rendering them incomplete and casting an inaccurate false representation of my creditworthiness. This incomplete reporting subjects my family to significant economic disadvantages, including barring from access to loans and forcing to pay more for credit. 
Equifax falsely claimed improper identification not matching records, then initially advised, " Allow up to 60 days for the new account to appear on the credit file. But then Equifax reneged declaring " only public records supplied by their VENDORS can be included on consumer credit files. " This is a clear violation of the federal Fair Credit Reporting Act ( FCRA ) and requires decisive action on the part of the Consumer Financial Protection Bureau to fulfill its mission and charge of public trust and protection.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2017 about Student loan (Private student loan) with ACS Education Services (OR).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: After graduation, I put my loans into deferment so they would not have to be re-payed until XXXX. In XXXX, I had consolidated my loans and the representative said that ALL of my loans would be consolidated. I had sent her all of the Loan information received from my school showing which loans paid the school and how much each loan was. I had made my XXXX payment with the consolidation in XXXX. Every payment I had made with the consolidation company was on time. During this time, I had plans on purchasing a house. In XXXX, we had gotten preapproved and started looking at houses. We had put an offer down on a house late XXXX, and when they ran our credit once again, it showed up with XXXX over XXXX day late payments to ACS. I had never received a bill from ACS. They have never tried to contact me, but they reported on my credit report that I was over XXXX days late, and now I am reporting XXXX days late. This is significantly affecting my life, as now I do not qualify for a mortgage. ACS made no attempts to collect, and as shown on their website I have never made a payment and that is because I was unaware a payment was due. In XXXX, ACS had sent me a XXXX  statement which showed the XXXX loans I owed, and what my Yearly Interest rate would be, and showed on the XXXX statement that my XXXX payment would not be due until XX/XX/XXXX. If I was sent a XXXX XXXX XXXX statement, with information showing that I did not owe a payment until XX/XX/XXXX, how would it be that when my credit report was pulled in XXXX, I show XXXX days late? When speaking to ACS, They can not provide me an answer as to why I was never sent an invoice, and why they failed to contact me to inform me my loan was over XXXX days late.

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2015 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Loan modification,collection,foreclosure

Complaint: For ten years I have been paying on this line of credit. I have beenpaying the required interest and making an additional payment onprinciple. Bank of America is now changing the terms to repayment over180 months at {$1100.00}. Which is over twice my current payment. On mySocial Security income will be impossible.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2016 about Student loan (Federal student loan servicing) with Student Services (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: Hello -- I was approached to consolidate my federal student loans via a company called studentloanaid.us. They charged me a yearly fee and then managed my student loans for me under a income contingent plan. I now can not reach this company, their website is defunct and they have no functional phone numbers. I have no idea what to do about my outstanding loan. Can you please help me?

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 08/15/2017 about Debt collection (Other debt) with ERC (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I recently received a copy of my credit report and I noticed that this company is reporting negative information against my SSN. I have never done business with this company. They have never provided me with any goods or services. I have no contractual obligations to this company yet they have reported to the CRA 's that I indeed do. I am requesting validation. Please send me a signed contract between me and your company. One that I signed and one you signed. Copies of a copy is not legit. I would like to see the contract with my wet ink signature, detailed statements from the last 6 months, and how this alleged debt was calculated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (TN).
Issue: Trouble during payment process

Complaint: On XX/XX/XXXX, I received a letter in the mail from the XXXX XXXX XXXX XXXX XXXX Department for XXXX XXXX stating that my XXXX taxes had not been paid and if the payment was not received by XX/XX/XXXX, I would be named in a lawsuit. I immediately contacted my lender, Wells Fargo about this and was told that the situation would be escalated to a tax specialist and I would be contacted in 6 to 10 days by mail with a resolution. I spoke to XXXX at Wells Fargo. I was not provided with a last name. On XX/XX/XXXX, I contacted the XXXX XXXX XXXX XXXX XXXX tax and spoke to XXXX. I was told by XXXX that if they did not receive the payment by XX/XX/XXXX, that my tax bill would be turned over to a different department and legal proceedings would start and that my home would be put up for auction. I was also told by XXXX that a lender was not listed on my tax card. I asked if I could provide the information and was told that the lender would have to do that. I also asked XXXX if my XXXX taxes had been paid and he said no. After I spoke to the County, I contacted Wells Fargo again to try and escalate the situation and was told that the earliest I could call back in to check on it would be Friday, XX/XX/XXXX. I explained that on top of the taxes showing unpaid, an additional interest charge had been added to the account and was told by the person at XXXX that I spoke to that XXXX would be responsible for any amounts over and above the tax amount that was due. The transaction history on my Wells Fargo account shows that taxes were paid for XXXX on XX/XX/XXXX and for XXXX the taxes were paid on XX/XX/XXXX. To date, the county has never received payment for my taxes. If XX/XX/XXXX comes and this is not resolved, not only will more fees be added to the XXXX tax bill but the XXXX tax bill will also have additional fees added to it as well. I have attached the following to this complaint ; a copy of the letter from the county, the delinquent tax bill, a copy of the registered warranty deed and tax card ( that was provided to the lender ). I don't think when something is this pressing with a dead line and I have a threat of loosing my home and being sued due to an error that is not mine I shouldn't have to wait 6 to 10 days for a resolution. Someone should have taken my call when I called in and called the county and resolved it that day. I shouldn't have to be under this kind of stress and worry when I didn't do anything wrong.

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 08-09-2016 about Debt collection (I do not know) with ERC (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Third party Calling me at work when I did not give them my work number because I can not receive calls at work

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 04/18/2017 about Debt collection (I do not know) with National Credit Systems,Inc. (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On  XXXX / XXXX /  XXXX   I obtained my credit report from  XXXX   XXXX   XXXX  in attempt to qualify for a mortgage. I noticed that on my accoun t National Credit Systems is   reporting  XXXX  collection account.   One   for {$4000.00} and another for {$500.00}. On  XXXX   XXXX  I disputed these account with the credit bureaus and the account was removed. The accounts are now back on my credit and affecting my ability to obtain a mortgage. I have advised this company numerous of times that this is not my debt. They have failed to respond.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation