milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/22/2018 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I found a credit card on my credit report that I have no knowledge of opening. The card is from XXXX/Wal-Mart opened on XX/XX/XXXX in the amount of {$280.00}. The account was sold to XXXX XXXX XXXX, They are reporting it on XX/XX/XXXX. On XX/XX/XXXX I filed an Identity Theft Report with the FTC and called the local police. The police said they needed info from the creditor or debt buyer as to determine where the account was opened before they were able to file a report. On XX/XX/XXXX I sent a FACTA letter to XXXX XXXX XXXX demanding information on this ID theft account, and they did not reply with all information requested and delete this from my credit files. Instead, they asked for more information, and reported the Account as " disputed '' under the FCRA requirements. I also contacted XXXX XXXX with a FACTA claim of ID theft, and they have removed this account from my credit files and deleted the reporting with all agencies instead of providing info I requested from them. I filed a complaint with the Office of the Comptroller of the Currency. I've attempted to file FACTA claims thru the Credit reporting agencies, but they will not accept my dispute without a police report. I can't provide any proof unless I have enough account details to be able to file a police report, I've attempted this and the Police will not take my report without sufficient details.

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 03/17/2016 about Consumer Loan (Installment loan) with PREFERRED CREDIT INC (CA).
Issue: Managing the loan or lease

Complaint: I purchased a set of Saladmaster cookware and used Preferred Credit, Inc. ( PCI ) for the financing. The promotional financing was 12 months same-as-cash. The contract says that I will not be charged interest on the balance until the 12 month period expires and the interest will only be applied to the unpaid balance. 

I received XXXX statements, XXXX in XXXX and XXXX in XXXX. My XXXX statements shows an interest charge of {$55.00}, which increased my overall balance. I contacted PCI and spoke to a supervisor named XXXX. I explained that I was not supposed to be charged interest and that I wanted the statement corrected. She said that even though I do n't have to pay the interest right now, PCI is required to show the interest that " would be due '' if I did n't pay before 12 months. They do not however, report the actual balance without the interest charge. I asked her if the balance that PCI reported to the credit bureaus included the interest charge and she said yes. I demanded that PCI stop reporting a debt amount that I did not actually owe and that PCI correct my statement to show the actual amount I owed under the 12 month same-as-cash agreement. The supervisor refused and said they were required " by law '' to report the balance that included the interest, even though I do n't owe that amount unless and until I do n't pay the balance within 12 months. 

PCI is falsely reporting my actual debt balance on my monthly statements by including the unearned interest. The statement does not reflect the actual balance, which does not include the interest. 

Additionally, PCI is falsely reporting the debt balance that includes the unearned interest to the credit bureaus, which makes it appear that my actual debt is greater than it currently is.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Checking or savings account (Checking account) with SUNTRUST BANKS, INC. (GA).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: Suntrust Branch to ok a deposit on Friday   XXXX   XXXX   at  XXXX  It was a check from a  Suntrust Account  into a/my Suntrust Account, listed immediately as Pending but available on my account.   On Saturday the deposit was not listed  in Pending or Credited on  my account.   I called Customer Service  XXXX  number and was informed they could do nothing about it that only the branch could fix it which was not open o n Saturdays , but wait until Monday.     On Monday  XXXX   XXXX , I phoned the branch ( at  XXXX  opening ) that made the deposit and the Head Teller was too busy to research it for  two h ours, according to the Branch  Manager   XXXX   XXXX . No one called me back, I had to repeatedly phone the branch and was told that it was taken care of on about the fourth phone call to them, and informed it was credited to my account, funds were 100 % available, this was almost at  XXXX .    Attached Screen  shot shows it was Credited on my account and the time on  XXXX   XXXX .     On Tuesday  XXXX   XXXX , at  XXXX   XXXX , I received my notification update of balance on my phone and it showed the deposit amount was not in my account.   Checking into online banking, it showed no pending deposit, it showed no deposit credit for the amount from Friday and the credit from Monday had vanished.     I phoned the  XXXX   XXXX  Customer Service  Number of Suntrust and was informed that the deposit was n ot on my account. After a brief hold, he confirmed he saw the deposit in his records but could do nothing for the situation and that I needed to call the  Branch  where the deposit was made but that they were not open at the time.     I phoned  Suntrust Branch  where deposit was made at  XXXX  opening, and was informed the    Branch Manager was not at work yet and they did not know what time   she would arrive. I spoke with the  Head Teller  who said she would research it again and see where the deposit was, but she said she could do nothing about it or tell me anything about it while I was on hold.     As of now, the deposit is not pending nor credited on my account, and I have been unable to get to a person of authority within  Suntrust, or even know who or what department actually has the authority to locate, credit and post my deposit that was made Friday, in person, at a Suntrust t eller window.

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 05/22/2015 about Mortgage (Other mortgage) with JPMORGAN CHASE & CO. (IN).
Issue: Application, originator, mortgage broker

Complaint: Two years ago I was charged with a fee of about $400 for a HARP mortgage .  The loan request was not processed by Chase Bank.  I requested return of the fee without Chase response.  I understand that HARP loans do not require a fee.  I want fee returned. XXXX address XXXX Indiana.  XXXX Phone XXXX       Chase Bank Branch located at      XXXX    XXXX Indiana                             
                         
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Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2017 about Debt collection (I do not know) with ACE CASH EXPRESS, INC. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: To XXXX Today at XXXX NOTIFICATION REGARDING CASE XXXX XXXX SSN : XXXX ROUTING NUMBER : XXXX CASE NUMBER- XXXX PENDING AMOUNT : {$990.00} SETTLEMENT AMOUNT : - {$430.00} Defendant XXXX We are hereby informing you that my client XXXX is going to file a legal case against you at District Court XXXX Your total outstanding with late charges, interest charges and attorney charges has been reached to {$1200.00} which is more than enough to file a lawsuit. As advised by my client, I hereby was giving you a notice before filing this case. 

Be notified that documents are being prepared for the issue of summons regarding the above debt. 

JUDGEMENT in this matter may lead to : ( a ) Additional legal Costs being charged. 

( b ) Entry on the COURT JUDGEMENT REGISTER making it difficult to obtain future Credit. 

FAILURE to make payment after judgment of Court lead to : ( a ) Seizure of assets by a Court ( b ) Attendance in Court for an Oral Examination regarding assets, liabilities, Income and outgoings ( c ) A Garnishee order attached to your bank accounts. 

( d ) Bankruptcy or liquidation If you are willing to resolve this case then we can provide you a onetime settlement offer of {$430.00} that has to be paid by Today as paid in full with XXXX balance. 

Kindly make sure and update us your confirmation so that we can update our accounts department to hold your case and send you further instruction in order to make the payment. 

You will receive a legal notice at your address within next 2 business days if this case remains unresolved. Our client is going to offer you the settlement amount which is {$430.00} in order to resolve this matter, It is essential that you immediately settle this account by sending settlement amount. The consequence of ignoring this notice could be very serious. 

If we have n't received any mail from your side then we will be downloading the case file to the court house and we will also inform your work place about your debt and the case file, and once the case file is forwarded to the court house then you have to pay {$4000.00} in front of the judiciary and then the settlement amount {$430.00} will not be acceptable. 

NOTE : IF YOU IGNORED THIS EMAIL AND FAILED TO TAKE CARE OF THIS DEBT THEN ALL OF YOUR BANK ACCOUNTS WITH ( XXXX-XXXX ) WILL BE SEIZED THRU MAJOR CREDIT BUREAUS WITHIN NEXT THREE BUSINESS DAYS THAT 'S WHY YOUR CO-OPERATION WOULD BE REALLY APPRECIATED. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Debt collection (Medical debt) with WAKEFIELD & ASSOCIATES, INC. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: XXXX XXXX XXXX  continue to attempt to collect a debt that I have made them aware of did not belong to me. I have contacted them and made them aware that this debt was as the result of identity theft, and they have refused to stop trying to collect the debt and continue to report this fraudulent account against my name and social security number. They have further more been provided a copy of my police report, identity theft affidavit and they continue to ignore the fact that this account does not belong to me. When I have attempted to speak to this company they have been very disrespectful to me and have tried to force me to pay a debt that does not belong to me. I feel that this company is trying to extort money from me over a fraudulent debt. My personal information was compromised in 2010 and every since then I have had people open all sorts of accounts in my name using my correct personal information that was obtained from the identity theft. This debt that they are trying to collect from me is absolutely not mine and they have defamed my character by listing and continuing to list this fraudulent information against me. A part of defaming my character they are also continuing to violate the FCRA Section 605B by refusing to remove this information they know to be fraudulent from my credit reports.

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 02/26/2018 about Debt collection (Other debt) with ERC (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: ERC a debt collection company is attempting to collect an old debt on behalf of XXXX or for their own profit with an origination date in excess of 7 years. As an example XXXX  collections shows an open date of XX/XX/2016. 
ERC has placed debt collections information on my credit report that negatively effects my score. ERC has mailed to my home address attempts to collect this old debt and threatened " unless you dispute the validity of the debt, or any portion thereof, within thirty ( 30 ) days after your receipt of this notice, the debt will be assumed to be valid by us. '' Not only must  ERC stop their open ended threats of assumed debt, ERC must remove the long overdue removal of this debt from my credit information. ERC must stop collection attempts and stop continued efforts to re-new this old debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2016 about Payday loan () with GVA Holdings, LLC (CT).
Issue: Charged fees or interest I didn't expect

Complaint: I took a payday loan for {$400.00} with North Cash on XXXX/XXXX/XXXX. They took the first payment on XXXX/XXXX/XXXX for the amount of {$95.00} and after that, they 've been taking {$55.00} weekly for 10 weeks. I called today XXXX/XXXX/XXXX to ask for a pay off amount and they told me I owe {$430.00} so I asked why if the loan was only {$400.00} and she responded that all the money they been taking out of my account was interest.

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2016 about Mortgage (FHA mortgage) with Caliber Home Loans, Inc. (GA).
Issue: Loan modification,collection,foreclosure

Complaint: I was approved for a short sale and my lender approved it. I was just told that my home will be foreclosed on after I was already approved and now it was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
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: I have been dispu ting  XXXX  inc orrect things on my transunion credit report for months now. These  XXXX  items should be deleted off my report. I received confirmation yesterda y  X/XX/2017  th at these  XXXX  items were finally deleted off my  XXXX  credit report. So it has been confirmed after there investigation that the items were to be deleted however transunion will not allow me onto the website to re-dispute them again and everytime I call transunion I keep getting transferred to different agents. The  XXXX  account is    XXXX   XXXX   XXXX    the  XXXX  account is  XXXX . These  XXXX  accounts are reporting as deragatory and they do not belong on my credit report. I have contacted   XXXX   XXXX   XXXX    cor porate office months ago and it was rectified it was to be deleted. I also contacted  XXXX  and that also has been rectified. I was instructed to re-dispute this information with the credit reporting agency 's and they will respond to have them deleted. Like I mentioned earlier  XXXX  has done so as of yesterday but transunion is still reporting this. Having this incorrect information reporting as negative is affecting my  credit score.   Transunion is not doing a proper investigation or they would be receiving notice from the  XXXX  different creditors to delete off my report. I am fustrated at the fact that I can not get online even with a confirmation number/answering all the security questions etc ... ..then I spend so much time on the phone trying to get to speak to someone to rectify this problem.

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 10/13/2016 about Credit card () with SYNCHRONY FINANCIAL (AL).
Issue: Billing disputes

Complaint: I had words with Sams Club and they gave me my money back for the membership card. Months later I received in the mail a membership/ credit card in the mail. Never used it or went to Sams. Two months ago I received a bill for {$330.00} made in California. I called them and told them this was a mistake. I wrote to them and told them it was a mistake. Now they are calling me on the phone wanting money.

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 04/26/2016 about Mortgage (VA mortgage) with FREEDOM MORTGAGE COMPANY (GA).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX XXXX 2015 I made mortgage payment to freedom mortgage on the internet. payment is due on the XXXX every month. On XXXX XXXX 2015 I received a call from freedom mortgage that my payment was late. I explained that I had received a conformation number how could it be late? I was told that did n't matter the payment was late. I had to pay late fees and phone assistant fees ( a total of {$40.00} plus the normal mortgage ) Since that payment my mortgage has been marked as received late for the past 4 months although I mail my payment on the XXXX of the month XXXX. I called and asked a service rep how my payments were late and was told that the mail takes XXXX 10 day for them to receive it.

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 06/30/2017 about Debt collection (Other debt) with ERC (PR).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: On XX/XX/XXXX I requested my credit report and noticed I had a charge off balance of {$530.00} with XXXX XXXX. I contacted ERC which was the company who purchased this debt from XXXX XXXX and they provided me with an installment monthly repayment plan of {$210.00}. I made three payments one was made on XXXX ; the second one was on XX/XX/XXXX, and the last one was made on XX/XX/XXXX.  After this, I received a letter from collection agency stating this debt was paid in full in the amount of {$620.00}. I proceded to send XXXX evidence of the payment in full for this debt and requested them to correct my credit report for this debt to be paid in full. XXXX sent me a letter indicating this account does not appear on my credit report, but it still is being reported as past due and charge off with a balance of {$530.00}. I request your assistance in this matter, since this account is adversely affecting my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2015 about Mortgage (FHA mortgage) with Selene Finance LP (PA).
Issue: Loan modification,collection,foreclosure

Complaint: I fell behind on my mortgage XX/XX/XXXX as a result of a significant piece of my income being removed. In XXXX XXXX XXXX started foreclosure procedures against me and at that time, I filled out the paperwork for a loan modification. I sent the hardship letter and all documents they requested. They approved the loan modification on a trial basis. I had to make XXXX payments in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX. I did this by calling them as instructed, paid it over the phone, once cleared they provided me a confirmation number and I recorded that, as well as, the agents number. In XX/XX/XXXX during the last part of this modification, XXXX XXXX told me they sold my mortgage to Selene Finance. AS I paid the last of the three payments, I asked the agent, if they were going to send me my modified agreement and I was told no, XXXX XXXX would be doing that. I never received an introduction letter from XXXX, however I did receive an invoice showing that I owed in excess of XXXX. I sent them a letter, with all the documents requesting where I send the modification payments too, and asking where the documents were that I was told they would send. I received a letter from them stating they would look into it over the next XXXX days. I waited and waited. By XX/XX/XXXX, XXXX I sent them another letter, along with a check for close to XXXX to show I was holding the payments for them, I just needed them to send me the documents and tell me what else I needed to do for this modification. I pleaded with them. They sent me a letter and told me I was denied because I stopped making payments. Now my house is up for Sheriff sale on XXXX XXXX, XXXX - just XXXX days away. I feel like they duped me and they are n't honoring what they should be. In addition, I cant see where the payments I sent XXXX XXXX were ever applied either. I need help ASAP, I am about to lose my home and feel like I have no way out and on one on my side. Can you help me?

Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2017 about Payday loan, title loan, or personal loan (Payday loan) with Green Trust Cash, LLC (GA).
Issue: Charged fees or interest you didn't expect

Complaint: ON  XXXX    XXXX   I TOOK A SMALL LOAN OF  XXXX  FROM THIS COMPANY WITH A INTREST FEE OF 625 % WHICH I DID N'T NO OF AND THEY WAS CHARGING A FEE OF  XXXX  EVERY PAYDAY AND NOTHING GOING TOWARDS THE LOAN. AND I WAS FORCE TO CLOSE MY ACCOUNT BECAUSE THEY WAS USING DIFFERENT LOAN ID 'S TO DEBIT MY ACCOUNT AND NOW THEY SENDING ME THREATENED EMAILS SAYING THAT THEY GONE SEND MY INFORMATION TO A THIRD PARTY WHICH LOAN ID IS #  XXXX . AND THAT 'S ANOTHER ID THEY USING .ITS FRAUD AND THEY ARE UNLICENSED.

Company response to consumer: Closed with explanation