milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/19/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (NC).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: This complaint is about the elderly and disadvantaged being financially " XXXX '' by the financial card issuer/issuers. Please consider the following information applicable to my complaint. 

On or about XX/XX/XXXX, I received a surprising electronic delinquent account notice and, a late fee notice regarding XX/XX/XXXX. 

Thereafter, on or about XX/XX/XXXX, I called the company 's customer service center and scheduled a {$25.00} electronic payment for XX/XX/XXXX. 

And on XX/XX/XXXX, I logged into my account and attempted to schedule auto draft/bill pay arrangements to be ongoing until the debt is paid.

However the system would only allow me to schedule payments for four months out, XX/XX/XXXX, because I was a delinquent customer. 

When speaking with customer service staff on XX/XX/XXXX, I was told that at the end of XX/XX/XXXX, I would have to enroll electronically, into another auto pay program that the company has. 

I asked if the company auto responder would send me notification warnings about the four month period expiring. 

The customer service person informed me that company did not have an auto responder program for such activity. 

This brings us to the heart of my complaint as follows : 1. Are elderly people, who are on lots of medications and, have XXXX XXXX competent to keep up with this requirement via computer or, toll free number ( s )? 

2. Is it an unreasonable expectation that a XXXX XXXX company can not field an auto responder? 

3. Can it be that the company uses this form of financial " XXXX '' to boost profits from fees collected from the disenfranchised? 

Well, what do I want you to do about my complaint? 

My expectations are that you initiate an investigation into this company and, that you will also peer into the operation of other companies to discern if this is an industrywide practice.

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 12/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with MARINER FINANCE, LLC (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have several inquires on my credit report from this company. I never authorize for them to pull my credit. I do not have a installment or any loans with this company. This company is reporting more than four times on my credit report. This is damaging my credit rating and I am in the process of buying a house. This company doesnt have a number to contact which I tried to on several different occasions on google website.

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 03/30/2017 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: My attorney and I have attempted to contact Central Financial Control on several occasions going back 2-3 months to obtain and itemized statement of services received on XX/XX/2016, in order to settle my lawsuit and pay the debt collector. This bill was generated from XXXX XXXX Hospital in XXXX, GA. Central Financial Control promises a 7-10 business day timeframe for receipt, however, they continuously fail to furnish the necessary documentation as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2016 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have paid the The account all directly to them. They will not change on my credit bureaus bad it has been paid. Still showing that I owe the money. They also are refusing to discuss anything with me in regards to the account

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 08/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: As of today XX/XX/XXXX a chapter XXXX bankruptcy was taken off of my account a week or 2 ago and readded today withou a proper t day notice and its showing illegally from when i first disputed this information. The courts do not give out thia i formation to verfiy this document. I want verfication with my signature of this debt! Other qise it is 2 be removed immediately!! Because 2 laws have been broken.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/22/2018 about Mortgage (Conventional home mortgage) with SANTANDER BANK, NATIONAL ASSOCIATION (MA).
Issue: Trouble during payment process

Complaint: This is 2nd complaint against Santander. Been trying since XX/XX/XXXX to fix this mess. They have refused to co-operate with our continued efforts to fix mess they made with our escrow account. Blaming town, me, everyone but themselves. They made tax payments, took $ $ out of our account, then charged us additional $ $ saying taxes were outstanding. They pay the taxes, why are they outstanding? We are being charged extra {$580.00}. Have tried to cancel escrow, they will not do without us paying extra fees, claims it is in our contract and that we got .25 % less of a rate for them doing the escrow. However, our mortgage was done under HARP so that is a lie. They refuse to send me proof or that we signed anything to this effect. Refuse to send me copies of cancelled checks for taxes paid to town. They paid our taxes for XX/XX/XXXX and took XXXX out on XX/XX/XXXX. in XX/XX/XXXX the took out XXXX saying it was outstanding taxes for the above payment when none was due. Was told onXX/XX/XXXXby XXXX XXXX - their XXXX tax dept - that it was an overpayment and that in 24-48 hours we would get $ $ back into account, and ok for us to pay P & I pending reimbursement. $ not back in our account. Sent cert. letter to tell them to stop paying taxes, they ignored and paid our XX/XX/XXXX tax against our wishes. Refuse to reimburse the $ $ they took out. Where is this money???? We paid our XX/XX/XXXX mortgage at bank, principal and interest and XXXX arrears in escrow, pending the reimbursement of {$580.00}. However, now getting collection calls that our mortgage overdue, illegally charging us late fees, and even though our receipt says it is for P & I, they are refusing to credit our account. They are making collection calls and sending letters that we have not paid our mortgage when we have the proof we did, and we are not behind.

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 01/27/2017 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: In XXXX, I sent letter to all XXXX collection companies regarding bankruptcies I filed in XXXX and XXXX ( same bankruptcy, but had to refile because of attorney mistakes ). I explained that it had been more than 10 years and that these XXXX item should be removed from my credit report. As of the date of this complaint, both remain on my credit report. I believe that it is still affecting my credit score. Since that time, I have had a great payment history and I would like to have those items removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have disputed the mistake in my report : XXXX XXXX XXXX # XXXX : This account has been paid off since the end of XXXX, why you report the status Late in 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 03-08-2016 about Debt collection (Credit card) with CL HOLDINGS LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a debt settlement in the mail regarding a bank credit card i do not own. I did respond by calling the phone number on the debt paper i received but no person answered the phone but the voicemail did come on but it was full and could not receive and anymore calls and i got disconnected from the collector by their end. I feel uncomfortable paying a settlement i do not know about.

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 09/24/2016 about Credit card () with CITIBANK, N.A. (AZ).
Issue: Identity theft / Fraud / Embezzlement

Complaint: There seems to be some serious data breach that has happened at Citi. I have XXXX Citi credit Card - Citi Master Card and Citi Visa Card ( Costco ). During less than one week - both of my cards has been compromised. Both of them are Chip cards and there is no additional member for these cards. XXXX has been used for transactions in Florida, XXXX and other places. Citi was able to identify the fraudulent activity and issuing me a replacement card. I am working in XXXX XXXX for close to 2 decades now and worked a lot for Credit card, trading and other financial companies. Citi is not ready to accept that there is some data breach happening at their end but there is something very wrong going on - how come XXXX cards both issued by citi are compromised in the same week? It 's inconvenience for me to setup automated bill pay for the new/replacement cards and i might have late fees and other charges also.

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 09/13/2016 about Credit card () with AMERICAN EXPRESS COMPANY (MD).
Issue: Rewards

Complaint: I signed up for the AMEX Platinum card during a card holder bonus sign up offer where you get XXXX Membership Points if you spend {$3000.00} or more within the first 3 months. According to representatives I live chatted and contacted via phone several times, the first 3 times of contact, they told me I had spent around {$3400.00} for the first two times of contact, and the third time of contact, which was the week before my 3 month period came up, the representative told me since I had refunds made on the account, my new total was {$3000.00}, which is over the {$3000.00} spend so I should be getting my bonus points ... that never happened. I called a few weeks later, the fourth contact to amex customer service, and now the rep told me that my spend did not meet the minimum spend of {$3000.00} and that my total spend was just shy of it at {$2900.00}. This rep told me that my case would be forwarded to a supervisor for review, and she called me back a few days later telling me there 's nothing that she can do about it and that it 's a automatic process. This rep also told me that my total spend was around {$2700.00}. I do n't understand this miscommunication here, if I was told that I did n't meet the minimum spend the first 3 times of contact, I would have went ahead and spent the difference, qualifying for the promotional sign up bonus. There should be no reason that I 'm quoted a different total each time I 've called or been contacted. It literally makes no sense that my total went from {$3000.00} to {$2900.00} to {$2700.00}. There was XXXX refunds and credits done between the contacts between customer service, so I 'm not sure what 's going on, but I 'm missing XXXX points which I should 've gotten but I did n't because of some serious miscommunication. I understood the first jump between XXXX {$3400.00} to {$3000.00} because there was indeed a refund/credit, but the next 3 times makes absolutely no sense at all.

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2017 about Debt collection (Medical debt) with Suburban Credit Corporation (VA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: On or about XXXX/XXXX/XXXX I received a communication from Suburban Credit Corporation attempting to collect a debt for XXXX XXXX. I wrote to Suburban Credit Corporation on XXXX/XXXX/XXXX disputing the validity of the debt, requesting verification from the original creditor including a statement of charges made and payments received, and demanding they cease collection activities. 

On XXXX/XXXX/XXXX I received another demand from Suburban Credit Corporation. They failed to verify the debt, they did not provide proof of the debt, and the communication was a collection attempt. 

The medical bill to XXXX XXXX has been paid in full, and I have proof of payment in full.

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Mortgage (VA mortgage) with FREEDOM MORTGAGE COMPANY (IA).
Issue: Trouble during payment process

Complaint: On XX/XX/XXXX multiple payments to this mortgage were made simultaneously to bring the loan current.
On XX/XX/XXXX we were informed that although the prior months payments were applied perfectly, XXXX 's payment of {$960.00} would not be applied because there had been a payment plan offered by Freedom Mortgage. Although not accepted, this payment plan proposal is said by Freedom Mortgage to be sufficient for them to require the $ XXXX monthly payment thus rendering the {$1200.00} paid for XXXX and fees a " partial payment ''. 
We have now sent multiple copies of our written request for fund application to Freedom Mortgage and have received no response. 
The funds in question remain in suspense with Freedom Mortgage making no attempt to either apply or return them. 
The funds in question are in the amount of {$1200.00} and have been suspended for the duration of 38 days. 
Per our phone conversation with an account representative on XX/XX/XXXX, the " payment plan '' referenced as reason to suspend funds in excess of a monthly payment would expire on XX/XX/XXXX prompting the application of funds. 
Per our phone conversation with an account representative on XX/XX/XXXX, the " payment plan '' referenced as reason to suspend funds in excess of a monthly payment would need to be rejected in writing and sent to email " XXXX '' or faxed to XXXX. 
See forwarded email sent to said address on Tuesday XX/XX/XXXX with the aforementioned written request. 
A fax to the number provided was also attempted but was unsuccessful. ( Fax responded as a UNSENT : BUSY ) This account has been charged with a late fee for the XXXX payment of {$960.00} ( as stated on mortgage statement dated XX/XX/XXXX ). 
Negative information has been reported to the credit agencies. 
No mention of a payment plan has been made in writing to the mortgagors of this loan. ( See Mortgage Statement dated XX/XX/XXXX ) No mention of a payment plan has been seen on a mortgage statement received by the mortgagors of this loan. ( See Mortgage Statement date XX/XX/XXXX ) It has now been 38 days since Freedom Mortgage has issues a mortgage statement to the mortgagors of this loan. 

We believe this to be an abuse of the suspense account and request action be taken immediately.

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 10-10-2017 about Debt collection (Other debt) with I.C. System, Inc. (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I had a bundled internet, cable and phone deal using XXXX for phone and internet and XXXX XXXX XXXX ( XXXX ) for cable. Upon canceling the service, I received a final bill for all services and wrote the check directly to XXXX, as normal. In a couple months, I received a 30 day past due notice from XXXX XXXX XXXX saying my final payment of {$210.00} was not received. I called them and XXXX to complain and was told it would be rectified. More than a year later, a collection notice was put on my credit report for {$210.00}. I disputed the account and the debt was removed from my reports. About a year later, the same {$210.00} collection was put on my report, this time with a new collection agency. I called XXXX XXXX XXXX and they agreed it was likely XXXX 's fault and removed the collection. Now, I again have the same {$210.00} collection added to my account. This time I called XXXX XXXX XXXX and they now refuse to remove it until and unless I provide proof I paid it ( or have XXXX prove they forwarded the payment to them ). This account was paid out of a Sovereign account that has been closed for over 2 yrs and has been successfully disputed twice ( soon to be three times XXXX. I am at my wit 's end with these people. I have never received any collection calls from XXXX, but they obviously did not pay XXXX 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 explanation
Consumer complaint received 07/26/2016 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (TN).
Issue: Loan modification,collection,foreclosure

Complaint: We are trying to get BOA to waive late charges and past due interest so that we can pay off the Home Equity loan. We have been in this home 15 years and never paid a late payment on our first mortgage. The problem started with the balloon came due and the payments were more than our first mortgage and higher than what we could afford with the first and second. We contacted BOA at that time XX/XX/2015 to try and combine both as they had both loans. They would not agree to combine but the first agreed to refinance us through the Harp Program. The second assigned us a case manager which seemed to always be away or missing appointment times that they scheduled. We were surprised to get an agreement in the mail saying we agreed to 5 increased payments that we could not afford nor had we even had a discussion about. We got money from our credit union to bring the loan current but the problem was still there as we could not afford. It 's very difficult to speak with someone and after several more attempts and trying to make the payments that were too high we just decided to sell our home that we love. In trying to speak with a person to relay this information the next information we got in the mail was the intent to foreclose. What we 're asking now and still can not get assistance as we 're getting pushed through the phone maze again and no one will take ownership and our case manager XXXX XXXX was not available, we actually had XXXX in collections ask if we considered a deed in lieu, I was shocked as we 're trying to pay them off which is why I was calling them today. We need them to stop treating us differently due to our age and race. 1. We need a payoff on the XXXX mortgage without the past due interest and late charges, the last balance I showed was {$47000.00} 2. Since the sale of our home would be enough to pay off the XXXX and the XXXX, we need them to remove all late from our credit score so that we can qualify for another home. It a bad situation that can be resolved but we do n't want to be prevented from purchasing another home as a result of us making many attempts to resolve this situation.

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 07/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: All Principle and Interest payments are {$940.00}. They reported the following $ ND XX/XX/XXXX {$1500.00} XX/XX/XXXX{$990.00} XX/XX/XXXX {$1100.00} XX/XX/XXXX Not reported XX/XX/XXXX Not reported XX/XX/XXXX {$1500.00} XX/XX/XXXX {$5300.00} XX/XX/XXXX Not reported XX/XX/XXXX Not reported XX/XX/XXXX Not reported XX/XX/XXXX Not reported XX/XX/XXXX Not reported XX/XX/XXXX {$2800.00} XX/XX/XXXX {$1200.00} XX/XX/XXXXNot reported XX/XX/XXXX {$1200.00} XX/XX/XXXX Check Cleared XX/XX/XXXX for XXXX, reported late XX/XX/XXXX forXX/XX/XXXX, reported late XX/XX/XXXXfor XXXX, not reported XX/XX/XXXX for XXXX, not reported XX/XX/XXXX for XXXX, not reported XX/XX/XXXX for XXXX, not reported XX/XX/XXXX for XXXX, not reported XX/XX/XXXX for XXXX, not reported XX/XX/XXXX for XXXX, not reported XX/XX/XXXX, for XXXX reported late XX/XX/XXXX for XXXX reported late XX/XX/XXXX for XXXX reported late XX/XX/XXXX for XXXX reported late XX/XX/XXXX for XXXX, reported late XX/XX/XXXX for XXXX not reported It is obvious the record is totally incorrect. I have submitted paper copies of checks with amortization schedules and uploaded an XXXX spread sheet. They deny even though I 've provided evidence from the bank.

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 05-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I had  XXXX  accounts with   XXXX   XXXX   XXXX   which have been paid off but  XXXX  will not update credit report to reflect paid in full. The  XXXX  account numbers are as follows :  1.   XXXX  {$2200.00}  2.    XXXX  {$5400.00}

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 non-monetary relief
Consumer complaint received 02-06-2016 about Credit card () with FIRST NATIONAL BANK OF OMAHA (AZ).
Issue: Sale of account

Complaint: After being the authorized user on a credit card with First National Bank of Omaha, they transferred my account to XXXX. After transferring the account, they never updated any information on my credit report. I submitted a formal request to have the information updated, and they received the certified letter on XXXX/XXXX/2015. Since then, I have heard nothing. After calling their customer service center requesting a document that showed that the account was transferred, I was told there was nothing that their company could do as they no longer had information on the account, despite the representative being aware and having knowledge of the accounts being transferred to XXXX. It is intolerable that over 30 days later I have received no information or updates from them, and that their customer service representatives know of the transfer but their reporting and collections department have not done their due diligence in reporting correct information to the credit reporting agencies.

Company response to consumer: Closed with explanation