milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/19/2016 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (AR).
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint: Synchrony Bank sold my charged off acct to XXXX XXXX XXXX. XXXX XXXX ruined my repaired credit using using illegal attempts to collect the wrong amount. I filed a complaint with your ( CFPB ) company and XXXX will only reply with the same XXXX inaccurate statements that they received from Synchrony. There is a court order against GEMoney and GEMoney was to apply credits to qualified CareCredit acct holders accounts. Synchrony spun off from GE and acquired many accounts of which Synchrony was to apply the deductions. Synchrony DID NOT apply deductions to my charged off account and when I called again on XXXX/XXXX/XXXX @ XXXX, I was advised by the below identified Synchrony Bank Associate that I would not be able to get any eligibility information concerning the CFPB Order against GE Money CareCredit unless I called XXXX XXXX XXXX. How? Synchrony has the account information. XXXX only has XXXX statements with the incorrect amount on them. Not providing information regarding deductions in relation to the court order on a qualified account is a violation of the court order ; less more selling the account under an incorrect amount. I am attaching my credit report of XXXX XXXX, XXXX which reads correct charge off amount of {$1700.00} not {$1900.00} as requested by XXXX XXXX XXXX. This report also shows proof of payments totaling {$650.00} that had not been deducted from the {$1700.00} which would leave a balance of {$1100.00}. I had this account since XXXX of XXXX. What about the interest from those years? I have suffered great damage under XXXX attack on m credit. My score has fallen XXXX points on XXXX and XXXX on XXXX. Please help.

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 04-10-2017 about Debt collection (I do not know) with Colony Brands, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I called them many times about fraud on my credit report and they still refuse to take those inquiries of my credit than I have an account on my credit report does n't belong to me got a letter from them ( Montgomery wards ) stating that they could not identify the account in dispute and XXXX is still not removing it from my report even I have a letter from the account stating that they can not identify the information on the account

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Debt collection (Credit card debt) with Dynamic Recovery Solutions, LLC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have recently been contacted by this debt collector over 15 times. This debt was charged off over 10 years ago. It is already way over the Status of Limitation for debt collection. I have informed them many times that they can not collect on this debt and they continue to harass me call me at all times of the day and sending me messages. 

Despite me telling them they are NOT allowed to collect on this debt they continue to do so.

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 11/13/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (OH).
Issue: Billing statement

Complaint: I did n't receive a paper copy statement for my Capitol One credit card for the month of XX/XX/XXXX with a payment due on XX/XX/2016, so I called on XX/XX/XXXX to request a copy and spoke to a supervisor ( XXXX - ID # XXXX ). I was informed by another Capitol One customer service agent on XX/XX/2016 that this request for a paper copy was not processed, stating in the notes that I did n't verify my address ( when I was never asked for it ). I paid the amount in full before the due date, but Capitol One NEVER provided me with a paper copy, stating that the XXXX might have lost it. I believe the statement was purposefully never provided in hopes that I would miss the due date and have to pay late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2017 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (AR).
Issue: Loan modification,collection,foreclosure

Complaint: I receive a Form XXXX last year from Ocwen because filed for modification of my mortgage loan. Ocwen modified my loan and canceled a portion of the debt I owed in the amount of {$19000.00}. I understand that according to the IRS, this means that Ocwen is writing that amount off as a cancellation of debt and I no longer have to pay it back the {$19000.00}. Therefore, I need to include the amount of debt from XXXX report on my tax return as income which I did. As a result, it caused me to have to pay in taxes to the IRS last year, which I never had to do before when I filled taxes. 

This year, I filed for another modification with Ocwen. while speaking to the agent he informed me that I was approved for the modification and went over the terms with me. Ocwen stated that with this new modification called trial plan period that my principal balance is {$79000.00}. I ask the agent why is my loan so high, that its almost back the amount of my loan before the first modification ( {$87000.00} ). The agent said that the add {$12000.00} of the {$19000.00} back to the loan. I told him that they could not do that because that amount was charged off and reported as income on my taxes. 

My second complaint is also that there 's a balloon payment that will be of {$61000.00} at the time this note matures on XXXX XXXX. In my first modification the balloon payment was due XXXX XXXX, XXXX for {$16000.00}. In my opinion this is not a true loan modification. I feel that I am be taken advantage of, please help me. I have enclosed the first modification paperwork, the trial period paperwork that a sent me they will mot give me the permanent modification until the XXXX payment of {$400.00} have been paid, and the XXXX form I used to file my taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (MA).
Issue: Account opening, closing, or management

Complaint: I applied for a Citi Gold checking account in XXXX/XXXX/2016. Citi offered {$500.00} cash bonus if I fund $ XXXX to my account and maintain that minimum balance for 30 days and the bonus should be posted within 90 days afterwards. I fulfilled all the requirements and now after several phone calls Citibank refuses to honor the bonus.

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 08/14/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OK).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: I refinanced my student loan in XXXX of 2017, with XXXX. XXXX sent a check to Navient overpaying my students loans by {$730.00}. Despite numerous promises, Navient has refused to return the over payment to me and has continuously engaged in delay tactics in responding to my request for documentation and refunding monies due and owed to me.
The first conversation I had with Navient was on or about XXXX XXXX, 2017, and I was told a check would be mailed to me. After not receiving a refund, I called back on or about XXXX XXXX, 2017, and I was told the funds were returned to XXXX. I requested documentation from Navient verifying when the funds were sent and where. I was told that I would receive the information within 7-10 days. However, now three months later, I still have not received the requested documentation. I followed-up with XXXX, and they indicated that Navient never returned the funds. Therefore, I sent a demand letter to Navient on XXXX XXXX 2017, along with documentation about my account and the over payment. Once again, I demanded Navient to return my over payment. I spoke to XXXX XXXX, in the Office of the Customer Advocate, on XXXX XXXX, 2017. She told me that she would check into the status and get back to me byXX/XX/XXXX. When I did not hear from her, I send her an email on the morning of XXXX XXXX, 2017. She called me later that afternoon onXX/XX/XXXX, and told me ( yet another story ) that the check was returned to Navient as undelivered and on XXXX XXXX, 2017, and that they resent it on XX/XX/XXXX, but that the check remained uncashed. Once again, I demanded verification and was told that it would take up to 10 days. I sent an email to XXXX XXXX onXX/XX/XXXX with instructions on where to send the refund payment and further requested confirmation when the check would be send. I also demanded documentation and a written explanation from Navient about its efforts to refund the over payment. I have yet to hear from XXXX XXXX or anyone else at Navient. It has been almost four months, since my student loan with Navient has been paid in full and yet it refuses to return my over payment. Navient has engaged in fraud and has wrongfully converted my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2015 about Consumer Loan (Installment loan) with WORLD ACCEPTANCE CORPORATION (GA).
Issue: Problems when you are unable to pay

Complaint: Im XXXX and i can no longer pay the loan at this time. I have told the loan company this and yet they still call my fiance, go to my work place and even call my mothers boyfriends workplace where i occasionally work to fill in for some one daily. It is harrasing me that they continue to call and show up at his work place and even call my fiance while he is at work trying to get him to pay the loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2016 about Consumer Loan (Installment loan) with SECURITY FINANCE CORP (TN).
Issue: Problems when you are unable to pay

Complaint: Manager at Security Finance released third party information about my loan to my ex wife. When I spoke to manager about this, she git attitude with me and told me she is within her rights since my loan was past due.

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 05/19/2017 about Debt collection (I do not know) with ERC (LA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX   XXXX    XXXX   i noticed that Enhanced Recovery once again placed a debt on my credit profile that i dont owe.This company has not provided proof that im the owner of this debt, I asked this company to provide proof that they are licensed to collect debt in Louisiana, they did not. This is clearly a violation of the " Fair Credit Reporting Act ''. Please be advised that I am keeping documented proof of all contact with '' Enhanced Recovery Corporation ".

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I am extremely nervous about the recent hack.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2015 about Mortgage (Conventional fixed mortgage) with Pacific Union Financial, LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: My loan was transferred to a company with a horrible record of misappropriating escrow accounts and causing numerous other financial hardships. Do I have any recourse or say in this matter so that I may prevent the same issues from happening to me?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-04-2016 about Mortgage (FHA mortgage) with Ditech Financial LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: I have NEVER EVER been late on my mortgage. I set up an automatic bill pay through my online banking and every two weeks they get a payment from me. I alway pay a little over and I am 2 weeks ahead. 

DiTech, the mortgage servicing company, misappropriated my payment a couple of months ago. I have called them on numerous occasions and each time they look into the record, they see what has happened, and tell me that they have to submit the issue to another department to rectify the problem ( place the payment in the appropriate account ). After a while, they begin to tell me how behind the department is and that is why the payment has not been correctly appropriated. However they still assure me that everything is alright. Then the following week I am getting emails and phone calls about the same issue. I am told the computer is automatically generating the calls and letters, but rest assured everything is okay. Finally I spoke with a Supervisor, who tells me that she sees the problem and that the previous advisors had not contacted the right person, she is going to contact the department head and I should not have any more problems. Now, I am concerned because they have started charging me late fees and my statements show I am thousands of dollars behind. 
The final straw was that I am now receiving letters from a collections agency, which greatly concerns me, because that means this is showing up on my stellar credit report. I am livid now, because we work hard to pay our bills on time, we work hard to keep good credit and to have this happen while they are getting my payments every two weeks is appalling. Can someone PLEEEAASE help me straighten out this mess! Please explain my rights or options.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-06-2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (AZ).
Issue: Trouble during payment process

Complaint: Nationstar Mortgag e ( Loan  #  XXXX   ) pai d, early, to  XXXX   XXXX   XXXX , our annual premium. At the time, we were in the process of refinancing and changed our insurance company to  XXXX   XXXX .  <P/>  XXXX   XXXX  assured us they had refunded the money to Nationstar and that the {$490.00} would be refunded to us " in several days. '' This was on the  XXXX  of  XXXX .  <P/> Nationstar continues to send us auto-responses that say they 'll get it taken care of " within 30 days, '' but that date has come and gone.  <P/> In addition to the {$490.00} that was sent to the wrong company  ( our new mortgage holder paid the premium when we refinanced, so the refund is due to us ), there is an additional {$130.00} and change due that was a overage they collected during the year. Nat ionstar claims they cut that check on  XXXX   XXXX , but we have not seen it.  <P/> We have no disposable income and were counting on the {$620.00} to offset most of our  XXXX  mortgage payment. Unfortunately, we had to pay it without having that money and we are at risk of being overdrawn in our checking account.  <P/> Please help us. We 're just plain working people trying to stay afloat in this perilous, uncertain world.  <P/>  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  AZ  XXXX   XXXX  XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I had a credit card with Juniper/ XXXX and the interest went from 0 to 22 to 24 in less than 12 months. I called numerous times trying to work with them to get the rate reduced, because it was XXXX my payment too high for me to be able to pay it monthly. I called monthly for 3 or 4 months and they finally said the only way they could help was if I proved hardship. The Card rep said to not pay the bill for 2 or 3 months and then they would be able to reduce the rate due to hardship. I did not pay for XX/XX/XXXX, XX/XX/XXXX or XX/XX/2011 in hopes that they would reduce the interest as they stated. They did not reduce the rate, so I closed the account and borrowed money to pay it off. Is there any way to reflect this on my credit report or have this reporting corrected?

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: I deposited three ( 3 ) checks at the Bank of America ATM. Because the teller told me that the lines were too long inside, so I had to go use the ATM. So, I used my ATM card and tried to deposit the checks. The ATM " ate '' my checks and then just shut down. No receipt, no confirmation, no nothing. I immediately called the number on the ATM machine. The service agent who assisted me seemed to be understanding and helpful. She said that she would credit me the amount of the checks immediately while the worked on getting the checks from the ATM. Imagine my surprise when 2 months later, I get a notice from BofA saying basically, " Too bad, you lied about the checks, we couldn't find anything to support your claim, so we're taking the credit back from you. '' And so they took back my money!!! 

This is poor banking, to say nothing of customer service. Bank of America needs to take responsibility of its ATM machines and technicians. Especially if they don't want to help the customers inside the branches and are making customers go and use the ATM 's.

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 07-02-2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I sent a letter to Experian letting them know I have been a victim of identity theft and there were several accounts on my credit showing that did not belong to me. Experian did n't remove the accounts they sent me a letter back saying that the items had been verified. I contacted the courthouse where the public record was filed and they told me that the Circuit Court does not verify any information to the credit bureaus

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 02-05-2018 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. (MI).
Issue: Problem adding money

Complaint: I purchased {$200.00} worth of Ethereum totaling XXXX ETH after fees off Coinbase. There was an error and I received an email cancelling the order. The occurred on XX/XX/XXXX. My bank account was debited {$200.00} and the charge is not reversed. In my transactions, I see the amount purchased and another event called " Sent to coinbase '' showing the purchased Ethereum transferred out of my account. Coinbase has not responded since.

Case # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CO).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: I have had a Citi Card since 1999. I used to get a statement credit based on the amount of money I spent. Over the years, this card became by secondary credit card and was seldom used. About a year ago, I decided it would be safer to use a credit card instead of a debit card, and my Citi Card was put back into frequent use. At this same time I asked for and was approved for a larger line of credit to cover my monthly needs. A new card was issued and I began using the new card. When this card was issued it was a Diamond Platinum, instead of my Platinum Select. Two things happened with this name change. First, my existing balance credit of approximately {$3400.00} went away. Second, my rewards for use of the cards were no longer balance credits and were instead coupons for deals on magazines or clothing. For about a year now I have been charging between {$10000.00} and {$30000.00} a month, always paid off monthly. My believe was I was stacking up reward points only to find out that this unsolicited change of reward programs only gave me a coupon for a purse. I want to know who approved this change of programs, where is my previous statement credit, and what benefit I have for the over {$200000.00} of purchases I have. The customer service manager told me I had no recourse and she respects my decision not to use Citi Card.

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 03-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with MIDCOUNTRY FINANCIAL CORP (MD).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX ran two Hard Inquiries on my credit report ( XXXX ) XX/XX/XXXX and XX/XX/XXXX. First of all, I did not apply for a personal loan within those dates and most importantly i did not authorize nor sign off on a Credit application for a hard inquiry.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have sent letter after letter to this company starting in XXXX 2016 when I first noticed this inaccurate information on my credit report. I have never had any accounts being serviced by XXXX XXXX or any of the others listed. I even contacted XXXX XXXX and they responded saying they have never serviced my accounts and in fact the only accounts they can see that I have is with XXXX XXXX ( only 2 ) and both of those are in good standing and always have been. You will see from the attached correspondence that all these accounts except for 2 must be deleted immediately as they are not mine. 

Due to your continued willful disregard of the law I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted within 10 days. 

XXXX Account : XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX The ONLY legitimate accounts and Validated accounts I have are the following : XXXX XXXX XXXX XXXX/XXXX. Account : XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX/XXXX. Account : XXXX Balance : {$42000.00}

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 explanation