milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/30/2015 about Credit card () with SYNCHRONY FINANCIAL (MO).
Issue: Billing statement

Complaint: I was in need of emergency dental work but did n't have the means to do so at the time.I went into my dentist office and was asked to apply for the care credit card/synchrony bank.I was told that it was an internet free card.As time went on and after making multiple payments I often noticed that my balance did n't decrease much over the years.They often applied late charges to my account even when I paid on time.They often sent my account to the credit bureaus after a week 's time or before the 30 day reporting period.I always disputed them with the credit bureaus and they removed them from my account.I was never told when signing up for the credit card that the interest was being deffered and that my {$1800.00} balance would now increase to {$2800.00}! I paid my bill on XXXX, 2015 in the amount of {$94.00} as stated on my bill.When I called to check the balance it stated that I still had a balance of {$2800.00} even after the payment which was paid on the due date.I then asked for a representative and he told me that my balance will never decrease because I am only making minimum payment due.I then asked for a supervisor and she repeated the same nonsense.She went further to say, '' if you continue to pay the minimum amount due you will pay off your debt in 15 yrs and will end up paying a total of {$7700.00}! She then said if you pay at least {$110.00} a month you will pay it off in 3yrs and will be paying {$4100.00} ''! Are you kidding me.I could n't believe that an {$1800.00} credit card limit would increase {$1000.00}! I had to research this company 's business practices after looking at the scam that was going on and saw that I was n't the only one feeling this way and saw that CFPB filed a lawsuit against them for these predatory lending practices.They are worse then the payday loan places! I hung up from the call after no resolve.I then took a moment and called them back to ask for the reimbursement form mentioned in the lawsuit because I never heard or received information regarding the lawsuit.They said my account did not qualify for the reimbursement in the lawsuit.I find it hard to believe when I got the card during that time period.I 'm fed up with being taken advantage of by these people and the injustice of it all.It is sad that they are taking advantage of people in need of immediate healthcare.Please help me get to the bottom of this issue.They dance around the questions each time I call.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2016 about Payday loan () with Check Security Associates, LLC (OH).
Issue: Can't contact lender

Complaint: XXXX XXXX from XXXX ..she said she was calling from the Warner Location..called stating they are going to arrest me for a bad check..Not sure what she is talking about but she is harassing me at work and wont stop calling my daughter.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2016 about Bank account or service (Other bank product/service) with MORGAN STANLEY & CO. LLC (OH).
Issue: Account opening, closing, or management

Complaint: I inherited an IRA and other accounts from my deceased parents in XXXX of XXXX. XXXX XXXX nor Morgan Stanley ever discussed the management fees with me. In XXXX of the same year I realized I was being charged 2 %, it appears as if my mother was being charged 1 % but when the accounts moved to me the rate was increased to 2 %. At this point I had received offers from other investment firms and called XXXX and he setup a face to face meeting on XXXX/XXXX/XXXX. In the meeting he said he was dropping my fee to 1 % so I agreed to stay with Morgan Stanley. 

Fast forward to about 3-4 weeks ago. In reviewing statements I was able to discern I was still being charged 2 %. I called XXXX he said he would research. A couple weeks later I called again after getting no reply, XXXX said there was some manual work involved to figure out exactly when the rate may have changed and that was the reason for the delay. He finally calls again Wednesday, XXXX XXXX. 

This call was especially disturbing. XXXX said he believe the rate changed back to 2 % when the portfolio balance dropped below $ XXXX. I told him we never discussed any such arrangement and the rate was to be 1 %. He follows by saying well going back and correcting it now will open me up to a IRS audit so he 's just going to move the rate back to as close to 1 % as he can to try and make up the difference. I of course respond that 1 % is the rate, was to be the rate, and I want the $ that I 'm owed. He goes on to say that there are .5 - .7 % additional management fees as well. I ask what he means, we never discussed anything of the sort, 1 % was to be the rate and be all inclusive. The call ended with me insisting he refund what he overcharged and him saying, well I 'll run the numbers both ways and show you. 

I feel robbed. I feel as if he is trying to intimidate me with the threat of an IRS audit to get around doing the right thing. I feel as if he 's trying to be a smooth talker but it 's very transparent his intention is to side step this error by manipulating me. Also, I asked another firm to look over my statements and have verified the rate never changed from 2 % to 1 % going all the way back to XXXX. 
Finally I hired an attorney who sent a demand for a response by XXXX/XXXX/XXXX. There was response.

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 12/19/2016 about Consumer Loan (Installment loan) with MARINER FINANCE, LLC (NC).
Issue: Managing the loan or lease

Complaint: I have no knowledge of this debt and I would like it removed as it is reporting to the credit bureau and is negatively affecting 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 09/15/2015 about Debt collection (I do not know) with Trident Asset Management, L.L.C. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On my credit report a debt from Trident Asset Management regarding a check written in 2012. At the time I was separated from my husband and never wrote a check to the creditor, XXXX XXXX. His signature is on the check. They sent me a copy of it and I told them my signature is no where on there. They stated since my name was on check first I was responsible. I no nothing about the check. They refuse to delete it from my file. I spoke with them twice but to no avail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-07-2016 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (NC).
Issue: Loan servicing, payments, escrow account

Complaint: Mortgage company Seterus is managing my account. I have incurred late fees which they have been unable to explain. I have requested this information on the phone and in writing. I have confirmed that they have my correct mailing address. Each time, I am told that a written response is forthcoming. I need to know about these charges as I have been making my payments timely, electronically. If the problem is with the electronic payment system, I need to seek recourse through them. I have been getting the run around for almost one year,

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (TX).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: my   XXXX   XXXX   XXXX   was declared a total loss after a hail storm on XX/XX/XXXX . My insurance company  XXXX  immediately sent a check in the amount of {$6800.00} dated  XX/XX/XXXX . I began calling Santander every few days to see if the balance had been applied to my loan so that we could move forward with getting GAP to pay the remainder of the loan. it was almost 3 weeks when I asked to speak with a manger worried the check had become lost. the manager assured me it can take some time to process and not too worry, i advised that my insurance company was also concerned and if much more time goes by they will consider stopping payment. A few days later the check was cashed, and I began asking them to please send GAP the forms needed to process the rest of the claim. Santander assured me they had already sent the needed documents and would refax them, all the while  XXXX  denies receiving them. Well a few days after the {$6800.00} was applied it was deducted from the account bringing the loan back to the full amount owed before the total loss. Santander assured me the payment was stopped on the check,   XXXX   proves it was not stopped.   XXXX    is now sending me nasty letters advising if they do n't get the info they need in 20 days they are closing my GAP claim. my loan is now 36 days past due and counting. My insurance company has spent numerous hours arguing with santander as well as myself. I have gotten no where, it 's ruining my credit, and now i 'm in a time crunch for my gap claim.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2017 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (FL).
Issue: Deposits and withdrawals

Complaint: On XX/XX/2016, I went to a CHASE ATM located at XXXX XXXX XXXX XXXX, XXXX FL XXXX ( ATM Term ID XXXX. ) I went there to deposit {$1000.00} in cash in {$20.00} bills. The first {$600.00} went through perfectly, but for the remaining {$400.00} the ATM took in the cash and then displayed an error on the screen, telling me it was unable to put these {$400.00} into my account. It also said I should call a number to fix this problem, and indeed I called this Chase Customer Support number and spoke with a woman. This lady said that a temporary credit of {$400.00} would be applied to my account while the ATM error was looked into. Roughly two weeks later, I received a letter from CHASE stating that my claim was indeed true and the ATM had a problem as I said, and so the {$400.00} credit previously applied became permanent and I thought this was over with ( Claim ID : XXXX. ) Around 4-5 days later, I was notified that the {$400.00} had actually been taken away from my account and I was overdrafted, even though my claim had gone through and the money was meant to have been given back to me. I called customer service again and they said my previous claim had been denied by the bank ( even though I had received a letter stating the opposite from them before ), as they said the {$400.00} I previously failed to deposit on XX/XX/XXXX were never in the ATM to begin with. I am thus demanding an investigation of this issue, as someone clearly took those {$400.00} and I am being denied the {$400.00} credit of my account. The events I described as the truth and I testify that on XX/XX/2016 I deposited those {$400.00}, but it was the ATM that was at fault. I would want them to check the security footage or anything else at their disposal to prove that the ATM took my {$400.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/14/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with The CBE Group, Inc. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: We moved XXXX 2015. XXXX kept sending me a bill which I repeatedly explained that not only did we not owe the bill, but even if we did, it would 've been discharged by the Chap XXXX bankruptcy we filed in XXXX 2015. I sent them a copy of it. They have now sent it to a company called CBE Group, which robocalls me multiple times a day, hangs up when I answer, and leaves me on long holds when I call back and no one ever answers. I have also sent them a copy of the chap XXXX and a letter disputing this bill.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2017 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (PA).
Issue: Deposits and withdrawals

Complaint: On XX/XX/2016, my company received a letter from Citizen 's Bank with a check in the amount of {$9.00}. The letter was confusing as was the amount. After our numerous requests for an explanation from the bank, the matter was recently escalated to the Office of the Chairman who sent a letter indicating that this amount resulted from an action described here : http : //www.consumerfinance.govXXXX. When I phoned the signer of the letter ( XXXX XXXX, Office of the Charman ) today, he advised that the amount owed to my company was carefully researched. I asked for details. When did this discrepancy occur? Was it one deposit or multiple? He indicated that Citizens is not required to release this information and confirmed that he will not be doing so. I asked how can I be sure the amount is not XXXX cents or XXXX dollars. He confirmed that I would have no way to know this. He also advised that there is no one further up the chain at the bank that can further address my interest in this. I am not satisfied with this answer. I am also disturbed that it took me months to get this response from the Office of the Chairman and this response was not consistent with previous responses I had received.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (KS).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I filed a Chapter XXXX bankruptcy XX/XX/XXXX and should be protected by the automatic stay provided by federal bankruptcy law which prohibits creditors from seeking payment until my bankruptcy is discharged. The soonest my bankruptcy will be discharged is XX/XX/XXXX. I received a letter from fedloan servicing dated XX/XX/XXXX requesting I recertify my payment plan or pay {$430.00} starting XX/XX/XXXX. From my understanding, this is a violation of federal bankruptcy law. My attorney has contacted FedLoan and sent paperwork requested several times. I have also been working with a HUD-approved credit counseling agency to help me resolve this matter. XXXX shows my bankruptcy claim as active. This has been explained to several FedLoan Servicing customer service representatives, none of which have the slightest clue as to what I am explaining and could seem to care less when I explain that this is illegal practice and FedLoan could get into legal trouble not complying with federal bankruptcy laws.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: TRANSUNION is illegally and unlawfully reporting information on my credit file. I 've asked for the following information : a ) Federal Reserve form XXXX registration statement, ( b ) Federal Reserve form XXXX Federal Reserve form XXXX Federal Reserve form XXXX Federal Reserve form XXXX The Deed of Trust. ( g ) Chain of custody and They have not responded to my request. I also asked them to present a certified final forensic audit from TRANSUNION in accordance with g.a.a.p, I.f.r.s. in accordance with basel 3 accord and u.n.c.i.t.r.a.l. conventions. I also asked them to present these documents from the following vendors/creditors : VILLAGE GREEN APARTMENTS acct-XXXX and they have failed 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 03/16/2016 about Student loan (Federal student loan servicing) with TRANSWORLD SYSTEMS INC (NY).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I was told by Social Security that the XXXX had put in a request to take {$160.00} from my check. They told me to contact the XXXX. When I called them I was referred to Transworld System , Inc. In speaking to them 2 months before the deduction was suppose to take place. I told them I needed to make arrangement to pay my student loan at a lower rate because I was not working anymore and I was now on Social Security and I could not afford for them to take this {$160.00} because it would be a hardship for me because I was on a fixed income and I was a senior. They told me if I went into their program for the Student loan, this will stop them from taking money. I signed all the papers to go into the program for 9months. They would take {$5.00} a month for 9 months and I would move out of default status and continue paying the loan until its paid off. This was not true. Not only did they take the {$160.00} they also took the {$5.00} from my account which I signed up for. This is causeing me a hardship because now I am short on paying my rent because. I still have co-pays for my XXXX medicine because I am XXXX. This was the purpose of me going into the program to avoid this situation. They told me this would prevent this from happening. The company is very unprofessional because I have called them left messages and they never call you back. You have to keep calling them and every time you reach them a different person answer the phone and they always come up with some other documents needed. I 've called several times and they have told me that my counselor XXXX XXXX XXXX is not in, but they will get the documents to him. This is very unfair to anyone and more less a senior. What was the purpose of getting involved in this program? If this was going to happen, maybe I could have research a way to speak with Student Loan Department. Transworld said they were working on behalf of the XXXX Student Loan Education.I was misinformed.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2016 about Debt collection (I do not know) with CASHCALL, INC. (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have received several phone calls at work and on my cell from a woman named XXXX. XXXX said that she was from XXXX and that they received a complaint from Cash Call saying that I took out a loan or credit line on XX/XX/2010 for {$500.00}. She said that Cash Call had exhausted all avenues to get the money back that they claim I took ( ie. bills to me, collections, etc ). She referred to case # XXXX and said that if I did not reach settlement today that she would be forced to sign an affidavit and forward it to the courthouse in Oklahoma. She said that I am guilty of trying to defraud a financial institution. I never took a loan out with Cash Call or any other pay day loan.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I had a recent mortgage modification where it was completed roughly 45 days ago and they are still reporting the old mortgage balance and that I was late with my mortgage payments. Neither of which are accurate. I provided them with a current statement of my mortgage showing it is current and that their balances are incorrect and they refused to recognize that 3rd party documentation as proof that I am correct.

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 08/13/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX Bank XXXX XXXX XXXX XXXX XXXX, MI XXXX # XXXXHas Falsely Reported Information onto my Credit Reports and have Failed to Validate and Verify to my Dispute # XXXX .Violating FCRA, FDCPA, TILA, XXXX XXXX. 
First who am I dealing with? XXXX Bank Mortgage XXXX a division of XXXX Bank, XXXX. XXXX Exhibit A ) or XXXX BANK F.S.B. ( Exhibit B )? 
What was Done? 
1 XXXX Loan was Transferred as stated in ( Exhibit A ) taken from XXXX Website? 
2 XXXX ForeClosure redeemed XXXX Exhibit XXXX XXXX XXXX Remarks? 
3 ) XXXX Reclaimed collateral to settle defaulted Mortgage ( Exhibit C ) Experian Remarks? 
In Regards to Question 3 Who was XXXX XXXX? 
4 XXXX No Loan or Account XXXX Exhibit C ) XXXX? 
Consent to publish the description of what happened? Consent providedSupporting documents ( A ) Loan Activity Detail XXXX XXXX ( XXXX ) ( B ) Screen Shot XXXX at XXXX ( XXXX ) ( C ) Screen Shot XXXX at XXXX.png ( XXXX )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2016 about Credit reporting () with FIRST ADVANTAGE CORPORATION (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There was a background search requested by XXXX XXXX XXXX, to First Advantage XXXX XXXX XXXX. This investigation came back with a criminal charge on it that is not mine. The only thing matching is the dob with myself and the person found. Due to this criminal remark on my record I am unable to attend certain events at my daughters school.

Company response to consumer: Closed with explanation