milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/14/2015 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Payoff process

Complaint: When I was in the process of refinancing my house 4 months ago, the mortgage company asked me to pay off my Synchrony bank consumer account. So, the escrow company issued a check to pay off the balance of {$9700.00} around XXXX. 20 days later, my account was still showing the balance of {$9700.00}. So, we called the customer service to check the status and they said our XXXX check might be lost. So, we cancelled the XXXX check and FedEx the XXXX check overnight on XXXX XXXX. Couple days after we mailed the XXXX check, my account suddenly became {$0.00} balance 2 days later ( I think they finally update the record from the XXXX check we mailed ). 
Due to the {$0.00} balance showing on my account, Synchrony bank has returned the XXXX check. 1 week later after I received the returned check, my account balance has been updated to {$9700.00} ( they finally found out that the XXXX check has been cancelled ). Therefore, we FedEx the XXXX check overnight again on XXXX XXXX. I called on XXXX XXXX and talked to XXXX ( account manager ). She confirmed that she has the check and would make it will be cashed. By looking at the back of the check, we are sure that Synchrony bank has cashed the check on XXXX XXXX ( with proof of the stamp on the back of check ). The escrow company 's account also showed that the money has been cashed on XXXX XXXX. 
However, Synchrony bank has never record this payment. I have made at least XXXX calls talked to different account managers. They all said that the record show the check has been reversed ( XXXX XXXX, the time XXXX returned my XXXX check ). No one wants to investigate what 's going on. I even faxed the copy of front and back of the check with Synchrony bank 's stamp on it, but they said it can not prove anything. They asked me to provide bank statement to prove myself. This is escrow company trust account. They can not provide the bank statement to me or to anyone else. Just like Synchrony bank, can they provide their company bank statement to me? Of course not. They try to make thing difficult. 
On XXXX XXXX, when I called them again to discuss this issue, Synchrony bank asked me to pay off my account to avoid late payment record on the credit report so I did. Now I made the payment twice but they still claim that they did n't receive the payment made from the escrow company. They now have extra {$9700.00} in their bank account, but they do n't want to admit it. I do n't know what else I can do to get this issue corrected. For the big bank like Synchrony, they can not find out extra money on their bank account? I do n't believe it. Please help me to get this problem resolved. Thank you very much!

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Debt collection (Other debt) with NCC Business Services, Inc. (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: XX/XX/XXXX - Received phone call from NCC Business that I owed an outstanding balance on an account upon moving out of apartment complex  XX/XX/XXXX - I stated that the balance was indeed paid however there was an incorrect fee of {$100.00} charged from the apartment complex. When asked for clarity, the collection agency stated that the apartment complex records showed that I did not have renters insurance and therefore charged me a fee of {$100.00} for not being compliant.
 XX/XX/XXXX - After several conversations with NCC Business , I submitted via email a copy of my insurance agreement that showed that I was in compliance while residing at the complex to   XXXX   XXXX   of NCC business. I never heard back from NCC and when I pulled my credit report in  XX/XX/XXXX , I noticed that this item was listed.
 XX/XX/XXXX  I submitted a dispute via a  XXXX  &  XXXX  and it was not removed.
 XX/XX/XXXX  I submitted a letter disputing this item on my credit report and received a letter from  XXXX  of the credit bureaus that this is a verified item on my credit report. I submitted the email and attachments indicating that this item needs to be remove but no such luck

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

Complaint: I checked my credit score on XXXX XXXX and noticed a collection from XXXX XXXX under the Equifax report. It has to be a mistake. I had paid my rent each month for the duration of my one year lease. After my lease expired, I talked with my landlord at the time and told him I did not want to renew it because I had found another place to live and I still live there to this day. My roommate ( remained on the lease ) agreed with the landlord to be on a month to month lease agreement at the apartment. The particulars of the lease I do n't know because I was done living there. Your immediate help would be much appreciated

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Bank of America is denying my loan modification after XXXX years.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AZ).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: XXXXNaveint : Loan is a loan that came due in XXXX XXXX upon XXXX. Still paying on loan ( almost 16 years ). Payment was {$390.00}. In XXXX XXXX we requested auto pay be increased to {$480.00} with the goal of paying the balance off in 5 years. Current employer is reimbursing us annually from XXXX - XXXX timetable for the next 5 years for student loan. The XXXX XXXX payment was changed to {$140.00} without our knowledge, consent or direction. when calling them today they said that they did an internal audit that reduced the payment. I told them we had no desire to have the loan extend to the 30 year timeline nor was it their decision to make this change without direction and/or permission. This seems to be an illegal and immoral business practice on their part. It looks like they have been audited on their business practices before. It it has happened to us, I am sure this is a larger global business practice. I pushed payment to them of {$390.00} - supervisor is suppose to manually post it with the auto payment and put our payment back to the {$480.00}. How many customers have they done this to. How many customers are n't paying attention. This error would have also cost us money on re-reimbursement as well as increasing the term of the loan. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Debt collection (Credit card debt) with Alliance Data Card Services (IL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Comenity Bank, credit issuer for XXXX Credit Cards, called someone at home who was not the debtor, guarantor or otherwise connected to the delinquent credit card account. The debtor has never lived at the address called or the phone number contacted. Comenity Bank therefore conveyed private debt collection/credit information regarding consumer debt to the wrong party, not the debtor.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2015 about Debt collection (Credit card) with CITIBANK, N.A. (PA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: XXXX/XXXX/2015 XXXX law llc contacted the father of my x husband and my half brother and disclosed the amount of a debt that they claim that I owe with Best Buy which I do not. They disclosed I owe {$5.00}, XXXX and stated they asked my half brother to help pay if off for me. This debt is not showing on my credit report. The girl that talked to my half brother was trying to get him to pay half of the debt right now over the phone. I requested a letter in writing validating this debt which I have yet to see. They are still calling other people regarding this fake debt trying to find out other information about me such as who my boyfriend is and how they can contact him about getting debt paid. I explained this is illegal and read from the credit consumers Web site and they argued with me that it is not illegal. Then XXXX put a man on the phone and he started yelling at me that they have every right to contact people to collect their money to their office. I hung up after stating I am reporting their company to the attorney general office.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2017 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (NC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: In  XXXX  of    2015 I h ad to open a Care Credit account for dental work. At the time I opened the account I requested that they process an automatic draft for monthly minimum payment of {$55.00}. Every month I had to mail in a payment because they failed to do so. I have now been charged late fees and they refuse to set of auto drafts until the accou nt is current. I am a Senior Citizen o n a fixed income and I do not have the extra funds to bring the account current. I feel the payments were late due to their failure to start the drafts in a timely fashion.

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 08/30/2016 about Bank account or service (Cashing a check without an account) with PNC Bank N.A. (PA).
Issue: Deposits and withdrawals

Complaint: While cashing a PNC BANK CHECK at PNC Bank for a medical insurance reembersement I was charged a check cashing fee. This is essentially a fee with no service provided to the bank customer who issued the check and a fee extorted from me to get the check cashed or black mailing me into getting an account for the privilege of not paying a fee to get my own money. It is a pure money making scam with no service provide to the bank customer who issued the check.

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2017 about Debt collection (Credit card) with UNITED SERVICES AUTOMOBILE ASSOCIATION (UT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I was a customer of USAA for several years. I went through a divorce in  XXXX  and with the loss of income, I was unable to pay my bills in a timely manner. I had a vehicle repossessed b y USAA an d I was responsible for the remaining balance after an auction and a credit card.     Unfortunately, this is where I do n't have a lot of details such as amounts, account numbers, etc. due to moving my home twice since. These debts were moved to a collection agency. I set up a settlement agreement with them and they withdrew {$250.00} a month from my account for I believe 36 months. This was to settle both accounts although I do n't know what amounts were being allocated toward repayment of those accounts. The last payment was withdrawn in  XXXX   XXXX .     In  XXXX   XXXX  I began to receive phone calls from a collection agency regarding this same debt. I advised it had been paid. I then contacte d USAA  directly and they told me that my years of payments were NOT a settlement but only payments toward the debt. I KNOW it was a settlement agreement. It was all I could afford after my divorce and after many conversations with that collection agency, it 's what we came to an agreement on and I made every payment faithfully. I kept my side of this agreement. I have copies of the payments to prove it from my bank.      USAA  disagrees and is now reporting these balances to my credit reports as 90+ days past due with interest accruing monthly.     This entire situation is in clear violation of the fair debt collection act and I need this resolved. These accounts are paid, albeit for less than the full amount, but they are paid. I nee d USAA to  update their information and report accurately to the credit bureaus so I can continue to rebuild my life. The delinquencies from the period of time I was repaying this is accurate and will remain on my credit report for 7 years, however, the debt is settled for both  USAA a ccounts.     Please, I need the CFPB 's assistance in helping me to resolve this as attempts on my own have fallen on deaf ears.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2016 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Application, originator, mortgage broker

Complaint: I applied to refinance my home mortgage in XXXX 2015. My bank agreed to match the refinance terms that I had received from a broker because of my being a long term banking customer. I proceeded with the loan process which included a loan subjugation from the city of XXXX XXXX and the conversion of assets to annual income. I received the Good Faith Estimate in XXXX 2015 which was as we agreed except the closing credits would be reflected once everything was finalized so that the amount would be correct. As the months passed I asked the mortgage banker about the rate lock and our original terms to make sure the rate, term and closing costs were as agreed. He assured me that the bank would uphold the terms and not to worry about the extensions. I talked with the mortgage broker XXXX XXXX about closing the XXXX. He said he would get back to me. 
On XXXX XXXX I received a revised Good Faith Estimate in the mail. It quoted {$6000.00} closing costs not the {$1500.00} quoted on the XXXX 2015 Estimate. The higher amount reflects the cost of the rate extensions which the bank newly determined to be my responsibility. The reason given was because the subjugation from the City of XXXX XXXX was not received until XXXX 2015 and since the delay was not the banks fault ... .I am responsible for the multiple rate locks. Their position ignores what I was told verbally by their mortgage broker. There were no written notifications either. If I had been aware of the cost of the rate extensions, I may have made different choices about pursuing the subjugation. 
I have been lied to and am in a position with few alternatives. The loan process that I believed was closing in a week is not as was presented to me. I hoping that I have some recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: In 2017 I contacted Experian to file a complaint regarding the XXXX XXXX account that they are reporting. I complained that they are reporting inaccurate information on my credit report. They can not verify that this balance is accurate.

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 12/20/2016 about Credit card () with CITIBANK, N.A. (FL).
Issue: Billing disputes

Complaint: CitiCards ( MasterCard ) has failed to respond to -- or even to acknowledge -- my XXXX XXXX, 2016 letter, concerning my being charged {$300.00} TWICE for a single 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 03/30/2016 about Credit card () with BBVA COMPASS FINANCIAL CORPORATION (FL).
Issue: Bankruptcy

Complaint: BBVA Compass is violating Federal Bankruptcy Laws. On XXXX/XXXX/2016 I filed Chapter XXXX Bankruptcy in the XXXX XXXX XXXX Florida Case # XXXX. BBVA Compass was a listed creditor BBVA Compass on XXXX XXXX, 2016 is requesting me to pay {$3900.00} by XXXX/XXXX/16

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/22/2016 about Debt collection (I do not know) with Mandarich Law Group, LLP (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Received demand letter from law firm stating I owe them XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Debt is not mineDescribe what happened so we can understand the issue ... 

I have received a XXXX point reduction in my credit score from experian When I got my score in XX/XX/XXXX it was XXXX in XX/XX/XXXX it is XXXX-XXXX. When I reviewed my credit report I found that XXXX had reported me as having a bill of {$340.00}. I have never received a bill from XXXX and since they put me into collection And have never received a bill from them ( XXXX.. ) This bill is showing as 1 year old. If I had received a bill from either one I would have paid it immediately. I have always paid all of my bills on time. I Called XXXX who. Referred me to XXXX. I called covergent who sent me back to XXXX. XXXX said I would have to go to the collection agency because they can no longer send an itemized bill, when calling convergent again they said they did n't have one but I should pay it anyway. Why would I pay a bill that I never received and did n't know what it was for. I finally filed a dispute with Experian and explained that I never received an itemized bill from either XXXX or XXXX. The answer to my disputewas " It was my bill. " That, of course did not answer my problem. I am sure that you would not pay a bill that gave you a number but not itemized and did not know what it was for. I have been given the runaround enough. 

I called XXXX in XX/XX/XXXX because I wanted to unlock my phone ''. I could n't unlock my phone unless I knew I had a XXXX balance '' and was told by the billing department that I had a XXXX balance and my account was current. I ca n't understand why they would now say this. 
XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/29/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I have filed three requests with Trans Union requesting that they remove incorrect information from my credit profile. They refuse to do so.

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 03/22/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan servicing, payments, escrow account

Complaint: 1. Received a letter from Bank of America dated XX/XX/XXXX to do a short sale. They allowed 15 days ( until XX/XX/XXXX ) to submit appropriate documents. 
2. But our file was forwarded to foreclosure attorney ( XXXX ) on XX/XX/XXXX. Received a letter from XXXX dated XX/XX/XXXX. 
3. Spoke with XXXX of B of A on XX/XX/XXXX about reinstatement calculation. She stated a payment of {$26000.00} need to be received by XX/XX/XXXX in order to avoid fees. 
4. Payment of {$26000.00} was sent and received by B of A on XX/XX/XXXX. 
After making the reinstatement payment, I noticed following charges on my XX/XX/XXXX statement : 5. On XX/XX/XXXX, I was charged with attorney/trustee fee of {$420.00}. 
6. On XX/XX/XXXX, I was charged with title fee of {$740.00}. 
7. On XX/XX/XXXX, I was charged with recording fee of {$24.00}. 
8. On XX/XX/XXXX, spoke with XXXX of B of A disputing above charges. She said to write a complaint letter and fax to XXXX. 
9. On XX/XX/XXXX, I sent a fax to B of A disputing above charges and requested copy of invoice. 
10. Received a letter dated XX/XX/XXXX from B of A indicating they have initiated a loan modification process instead of responding to my complaint. 
I noticed following charges on my XX/XX/XXXX statement : 11. On XX/XX/XXXX, I was charged with another attorney/trustee fee of {$780.00} 12. On XX/XX/XXXX, I was charged with mailing fee of {$38.00} 13. Received another appraisal report from B of A dated XX/XX/XXXX for loan modification which I did not request.

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 08-01-2016 about Credit card () with UNITED SERVICES AUTOMOBILE ASSOCIATION (MD).
Issue: Unsolicited issuance of credit card

Complaint: On XXXX XXXX 2016, I cancelled my USAA MasterCard in order to limit my exposure to fraud and credit card risks. USAA opened another USAA XXXX credit card in my name without my consent or knowledge. As such they have now increased my risk to credit card fraud and identity theft. To make the situation worse they did it behind my back in such a manner that I would not be looking for a newly opened credit card. Additionally, when I tried to cancel the unauthorized credit card with USAA, they made the process overly difficult by insisting that they transfer me to a special department to process the cancellation. The reason for the transfer was because it was my only credit card with USAA. In talking with the representative on this matter : they said that if I had a second credit card with USAA that they would be able to cancel it immediately without transferring me to the " special department. '' As luck would have it, the phone call was mysteriously disconnected during the transfer - how convenient for USAA, I thought. The fact that the Bank can unilaterally create a contract between me and them for the extension of credit bothers me. Moreover, USAA makes it very easy to sign up for the card but cancelling the card does not have the same ease of process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I paid off my debt 100 % almost a year ago, yet the same account that I paid off in full, remains on my credit report. I have called the debtor & spoke with several different representatives regarding this matter/situation. I have been working on clearing/paying off all of my debts. This is the only XXXX that has been left on my report even though it has been paid in full. The debtor, XXXX XXXX XXXX, WI, seem to not know why it remains on my report or even how to have it removed. I have asked them several times to report that it has been paid in full, but it 's not working for whatever reason. but, they did send me a confirmation letter stating that the account has been paid in full & that there is a 0 balance. How do I go about clearing this up, free of charge, as quickly as possible?

Company response to consumer: Closed with non-monetary relief