milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/31/2015 about Credit card () with SYNCHRONY FINANCIAL (NC).
Issue: Late fee

Complaint: First let me state this company ( Synchrony Financial ) has XXXX complaints at the XXXX. 
For years I have been a customer of Rooms to Go. I have automatically sent the same payment each month and I try to pay the amount early so I am sure not to have a late fee charged to my account. My account was paid off in XX/XX/XXXX. I purchased more furniture from Rooms To Go on XX/XX/XXXX for {$1800.00}. The payment set up by Synchrony is due on the XXXX of every month. I immediately sent a payment of {$100.00} ( even though the minimum was {$52.00} ) for the XXXX statement due on XXXX. It was posted on XXXX/XXXX for the XXXX due date. The next payment of {$100.00} I sent early and it posted on XX/XX/XXXX for the XXXX due date. The next {$100.00} payment was posted on XXXX for the XXXX due date. However, I was charged a {$25.00} late fee even though I paid the XXXX payment on XXXX. The next {$100.00} was posted on XXXX for the XXXX due date. I was charged a {$35.00} late fee. The next payment {$100.00} was posted on XXXX for the XXXX due date. I again was charged a late fee. The next {$100.00} posted on XXXX for the XXXX due date. The next {$100.00} was posted on XXXX for the XXXX due date. When I found out I had been charged {$95.00} plus {$2.00} interest in late fees I contacted Synchrony to discuss this issue. I was told I had made a late payment in XXXX ( which was paid early ) and the late fee was taken out of my payment which resulted in the next payment being less than minimum. So I was again charged a {$35.00} late fee. The following is a summary of my recent transactions and payments for my Rooms to Go account with Synchrony : XX/XX/XXXX XXXX BALANCE XX/XX/XXXX purchase of Furniture {$1800.00} with {$1700.00} financed. Statements were emailed with no paper statements received. 
The following are payments posted by Synchrony:XXXX/XXXX/XXXX {$100.00} payment ( due XXXX ) XX/XX/XXXX {$100.00} payment ( due XXXX ) XX/XX/XXXX {$100.00} payment ( due XXXX ) XX/XX/XXXX LATE FEE Charged $ XXXXXXXX/XXXX/XXXX {$100.00} payment ( due XXXX ) XX/XX/XXXX purchase of Furniture $ XXXX {$100.00} payment ( due XXXX ) minimum payment due was $ XXXX LATE FEE CHARGED $ XXXX {$100.00} payment ( due XXXX ) XX/XX/XXXX {$100.00} payment ( due XXXX ) XX/XX/XXXX LATE FEE CHARGED $ XXXX Interest charged $ XXXXWhen I finally was able to talk with a " real person '' in customer service, he could not understand my complaint but stated he would refund {$35.00}. I explained that no one ever called me to ask about late payments and my payments were paid on time every month and many times earlier than the deadline. I also explained the statements were all emailed and some never got to my email account but my payment was always made on time. However, he still stated he could only adjust my account {$35.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-09-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with I.Q. DATA INTERNATIONAL, INC. (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX I was exiting a apartment complex XXXX XXXX. 
At the day of move out the manager did not give me anything to sign. She stated she would mail me any paper work and I thought she would refund any difference in the security deposit if they needed some repair living their 2 yrs. ( XXXX XXXX XXXX was the prop mgmt ) I left it very clean and they verbally stated it looked great. 
I had a federal suit for fraud against XXXX and XXXX for rent issues and denying reasonable accomidation. This case is filed in XXXX state. XXXX began having IQ DATA International phone and harass me by phone in XXXX and XXXX XXXX. 
IQ Data placed a fake debt with all XXXX CBs. I disputed it then and got all XXXX to remove it in XXXX. 

Now XXXX IQ Data is at me again for the very same thing and now they pushed the {$300.00} to {$810.00} they never had a judge sign anything. they have not been following the FDCPA or FCRA in an way in relation to this fake but very serious issue. 

I have a judges ruling from that federal case stating in fact XXXX did violate my rights to XXXX. So I am asking the CFPB to ask IQ DATA to produce the proof that they are not violating my rights under FDCPA and FCRA. 

Thank you for your help

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: This account was open in my name without my consent. I am not responsible for this account.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with KEYCORP (PA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Late last year Key Bank acquired XXXX XXXX XXXX. Around the time of conversion, Key Bank posted my payment for both my Mortgage and Home Equity incorrectly ( XXXX and XXXX ),  causing me to show as delinquent. I received several phone calls telling me that they were attempting to collect a debt, after I did research I found that they posted the payments incorrectly. I explained this information to them, they said they would fix it. The next month I received the same phone calls saying my payments were past due. After approx. 3 hours of phone calls ( trying to get to an individual that would be able to help me ) they acknowledged their mistake and provided me with a letter saying it was their error and no negative information was reported. I pulled a Credit report, and they did in fact report me as 30 days past due twice ( XX/XX/XXXX and XX/XX/XXXX ). I again spoke to several people at Key Bank and even made a trip to my local branch. They said the issue was corrected and again gave me documentation stating I was not past due at any point during my loan. Fast forward to last night, when I applied for a new mortgage, and was told my rate would be 1/8 higher then quoted because my credit score was below XXXX on two of the major credit reporting companies. Upon looking at the credit report, it was noted that 2 of the companies are showing I was late with my Mortgage held by Key Bank. The one that was not reporting me as past due had my score above XXXX..enough to get the lower rate. So now because of Key Banks error and their incompetence to make the correction correctly, I am now going to be paying more for my mortgage in addition to the {$32.00} I just paid to see my full credit report. I have never been late on my mortgage or my HELOC and I am beyond upset that because Key Bank made several errors, which they have admitted to, I am going to be paying more for my new home. Does not seem fair to me.

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have been trying to reach out to XXXX to understand why they are reporting that I still have a balance. I 've sent multiple certified letters to them at the address listed on my credit reports, and the certified letters keep coming back to me as undeliverable. Yet when I request validation of this account and balance from the credit bureaus, my account is being updated as validated by XXXX. I 'm not receiving any documentation or validation, yet when the credit bureaus reach out to them, by credit report loses points because XXXX somehow validates this account and begins to report it again. I have verified several times that my certified letters are going to the same address that is listed on my credit reports and there is no phone number listed for them. This is absolutely ridiculous and really hindering me from obtaining certain credit lines.

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 04-01-2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: My complaint with XXXX XXXX is that they never sent a final bill to my updated address of email address. When I cancelled services, I called to have the final bill resolved -- which included providing an updated address to send the bill to. Though I never received that bill, or any notification that they were trying to collect a debt from me -- my account was charged off to collections. Once I noticed the debt on my credit report, I immediately paid the balance to the collection agency. I have tried to reconcile with XXXX so that they will remove the reporting but they will not attempt to do so because they feel the reporting is valid. Even still, I I never received a final bill. Customer service has been trite and uncompromising in working with me to get this resolved. I find the actions of XXXX XXXX to be both unprofessional and unfair reporting to my credit report. I Seek to have the negative credit reporting removed completely from all the reported to agencies : XXXX, Equifax, XXXX, XXXX, and XXXX XXXX XXXX XXXX. I find any trace of negative reporting to be unfair as it will affect many of my future endeavors negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2016 about Bank account or service (Other bank product/service) with ALLY FINANCIAL INC. (CA).
Issue: Making/receiving payments, sending money

Complaint: paid off loan to car with XXXX checks. They cashed a XXXX check and a XXXX check almost 2 months ago. 
they said XXXX check was sent back ( however, no check received and bank statement shows they cashed check ) they kept XXXX check. 
they are now saying I own 3 months car payments and will repo vehicle despite them having almost XXXX they cashed to buy out vehicale and can not account for the money. 
I 've called 30 times, promised a call back and never given one. Told different story every time.

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 10/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NV).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I bought a car in XXXX XXXX. I got a loan through XXXX and was making payments monthly. I made all my payments on time, however, I got in a crash in XXXX XXXX and my car was totalled. I had insurance and gap insurance which together paid off the car fully. I had no problem for a couple months, but recently ( XXXX or XXXX XXXX ) I checked my credit score and I was flagged as missing a payment. This does n't make sense as the car loan should have been paid of in full by my former insurance company ( they kicked me off afterwards unfortunately ). What can I do to get this reversed, I went from a XXXX to about a 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 05/14/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with American Capital Enterprises, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: American Capital Enterprises is reporting a debt that I do not owe

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2016 about Credit card () with CITIBANK, N.A. (NJ).
Issue: Billing disputes

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2012 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

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 01/21/2017 about Credit reporting () with Experian Information Solutions Inc. (AL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I attempted to retrieve my annual free credit report from Experian and XXXX via online. XXXX online services will not yield a free credit report for me. XXXX refused to yield a free online credit report for me.

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 01/29/2016 about Consumer Loan (Vehicle loan) with GENERAL MOTORS FINANCIAL COMPANY, INC. (TX).
Issue: Problems when you are unable to pay

Complaint: my identity was stolen and i have notified GM financial, they have failed to remove the account off my credit profile, .. 
i was told the the car was repossessed in XXXX ... well i live in XXXX this account is as a result of identity theft and was not opened by me. 

GM Financial collectors call to make illegal threats.. these are against FTC rules . i have furnished them with notarized statements & police reports .. even court papers but they refuse to remove their false negative reporting also this account was included in bakruptcy and should have been removed anyway

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: My student loan reports that I was on drinking 20 days late with the previous student loan company but I was never late I always maintained.  XXXX   XXXX  is currently my provider but was not my provider when it had the delinquency of a  hundred and twenty  days

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 12/16/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Account opening, closing, or management

Complaint: As of this month my bank, Wells Fargo, changed their security features and the entire webpage format. Previously you were able to view your processed ( cashed ) checks online through your login account and save the images for your own records. The updated security feature now blanks out the account number and the entire signature on the front of the check which invalidates the ability to use it in a court of law as a legal document. You are now being asked to call the XXXX number to get a copy of the check which you are now assessed a fee for and you no longer have direct access to your information without the blocking of important details. This is supposedly done for security purposes, when it was accessible previously for years for free. This makes no sense, when you login in to their secure server to see your personal account information. This was only done to incur a charge for processing the copy and mailing it to you to make money. By altering my document without my permission and taking away my right to have free copies of the checks they have created a black mail situation. A check is a legal binding agreement once it goes through the bank. They have no right to alter the appearance of my check without my permission. That is fraud. All of my checking accounts have been affected in this way. I am very dissatisfied and want my checks to be free to copy as before.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2017 about Bank account or service (Checking account) with CITIBANK, N.A. (TX).
Issue: Account opening, closing, or management

Complaint: I opened an account with Citibank last year with the understanding that I would receive a {$400.00} account opening bonus after meeting certain requirements. I confirmed with the call center in the bank that I met the necessary requirements to open my account ( which included depositing and keeping {$10000.00} ). They were not able to confirm the date that I would receive my bonus. I have called back multiple times and either been on hold for too long ( 1 hour ) or been given unclear information. When I 've called the bank, they 've taken 25 minutes or longer, including transfers to supervisors, to even locate the promotion on my account. The promotion code itself was never given to me, as I signed up for this online. 

I would like your assistance in retrieving this reward. Thank you.

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 04/19/2017 about Payday loan () with Risecredit, LLC (AP).
Issue: Charged fees or interest I didn't expect

Complaint: To whom  it may con cern, I 'd like to make a complain abo ut RISE Credit. W e originally signed up for a {$3000.00} with an interest rate of 208 %. I have been paying {$520.00} every month and paid a total of {$5500.00} and they want me to pay them  until 2018. This  has been a burden for me and my family. As an  XXXX   XXXX  military member i have reached out to my chain of command regarding this issue. I have been advised by financial counselors that in accordance w ith Military Lending  Act says that you ca n't be charged an interest rate higher than 36 % on most types of consumer loans and provides other significant rights. I am currently working with my loca l Judge Advocate General 's Office to g et some help with legal issues.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2016 about Mortgage (FHA mortgage) with Ditech Financial LLC (VA).
Issue: Loan servicing, payments, escrow account

Complaint: Reference prior Consumer Financial Protection Bureau complaint # XXXX, Ditech Financial LLC Account Number : XXXX. 

Complaint response from DiTech, dated XXXX XXXX 2016 ( attached ), indicated specific actions that would be immediately taken by DiTech to correct their error. To date, and based on a conversation with DiTech this morning, none of the actions have been completed. This has resulted in my not receiving a correct XXXX for mortgage interest payments, affecting my ability to file my tax return both accurately and timely. 

This has been a horrific customer service experience - the worst I 've ever encountered - customer service reps state that I can only speak with them and not be connected with someone in a higher position that just might be helpful. This is a horrible company under any name ( i.e., Green Tree ).

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2016 about Mortgage (Conventional fixed mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: we pay our taxes separate from our taxes my mortgage company paid them by mistake when i called them told them the mistake and said if they send a request the tax office will refund them they refuse they said my tax office sent a letter stating we were diligent which is not true the tax office said my mortgage company by law would need a tax code in order for them to pay my taxes this is fraud on there at first when we called they said they would request the refund now they say want us to send them a check we do not trust them someone made a terrible mistake and they want us to pay to cover it up

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2016 about Debt collection (Credit card) with Smith Debnam Narron Drake Saintsing & Myers LLP (SC).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: I received a letter of threat that I had 15 days from the date of a letter to pay a debt or they would file suit against me in court. The company then I called and they said I had 15 days to pay or they would send me a confession of judement in order to keep this out of court. I then told them I wanted all paperwork of verification sent to me and I would make a payment of I believe {$140.00} till I could see what this was about. I never received anything but a confession of judgement. I then set up a payment plan over the phone with them and sent the papers back. I emailed them and requested through many calls to get copies of the paperwork and bills to prove the amount. Still nothing. When my payment date came up I called to make a payment they denied me that opportunity said they never reeived the signed copy of the confession of judgement and then said they had already filed the lawsuit with the court. I said you never sent me anything in the mail or called to tell me you did n't get the paperwork. They said the only thing to do is sign a consent judgement. I then had the FTC on the phone with a recorded conversation of them dening me the option to pay. And also me requesting to have the verification documents sent to me. They still did nothing. I have yet to get any verification and they went ahead and said that I denied the service papers to the court when I was never served with papers at all. I sent them a consent to judgement because they threatened me numerous times on taking my paycheck which is only {$350.00} every 2 weeks. I have never receivec any proof of the amount owed on this debt and have around 10 emails asking for the proof and them responding. With what proof to you need. I said bills transactions. They told me that it was around XXXX pages but will not send anything. I was tricked into signing papers for consents and confessions by them and this was all in a 2 month time frame. I even sent them a 20th email stating that I will pay a settlememt of {$500.00} with proof of the debt they denied a settlkement offer. This company needs to be stopped.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation