milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/20/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (MA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: In the fall of XXXX I purchased a laptop computer on XXXX. I wished to finance the purchase so I completed a credit card application offered from Synchrony Bank exclusive to the site. However, upon completion of the application, I was not issued a high enough credit line to purchase the computer and the purchase failed. I then paid with a separate card in full and the product was shipped to me. Regardless of using my other card to purchase the product, Synchrony Bank still issued the card and then charged a {$150.00} to that card for no reason that I could discern. I did not authorize the charge and the card was never used by me subsequently. Sychrony Bank then proceeded to issue statements with that amount charged to me and began charging interest on it when I did not pay. Not only was the purpose of opening the card frustrated by the low credit line issued to me, Sychrony Bank then fraudulently charged the card without my authorization. After non-payment on my end, Sychrony Bank has no sold my account to a debt collection agency for non-payment with a balance of {$380.00} ( up from the initial fraudulent charge of {$150.00} ). I  have filed a fraud claim with the collection agency, but I am worried that this debt will be re-sold to others and will negatively affect my credit score for years to come.

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 12-05-2016 about Credit card () with U.S. BANCORP (MI).
Issue: Delinquent account

Complaint: During process of securing a XXXX. construction loan I find out U.S. Bank reported my account 30 days late in XX/XX/XXXX to all the credit bureaus. My due date is the XXXX of each month and my usual minimum payments are around {$120.00}. 
On XX/XX/XXXX I made a payment of {$150.00} On XXXX XXXX another payment of {$160.00} On XX/XX/XXXX made a payment of {$200.00} on XX/XX/XXXX made a payment of {$260.00} and XX/XX/XXXX Payment of {$2500.00} was made. 
All these payments were successful and easily covered my minimum. 
-- -- There were a couple larger payments one on XX/XX/XXXX for {$4400.00} that was returned. This payment was in error as the number " XXXX '' somehow duplicated. I even contacted US.Bank to inform them the payment was meant to be {$480.00}. 
Additionally, on XX/XX/XXXX a payments for {$2500.00} was made twice on the same day due to internet glitches that seemed to have been nation wide. One of the {$2500.00} payments was returned as expected. But again that payment was an extra payment. However, U.S. Bank reported me 30 days late in XX/XX/XXXX to all three credit bureaus. I contacted U.S. Bank on XX/XX/XXXX at XXXX and talked to a representative and a supervisor ( XXXX ), I clearly explained the situation to both However, both the representative and Supervisor ( XXXX ) refused to change or correct the 30 day late reported. 
My history : I have been in business since XX/XX/XXXX have my credit history goes back 25 years and have easily over XXXX different accounts. I have NEVER EVER been 30-days late on a payment with any of my past accounts. I have had XXXX or XXXX reported incorrectly and resolved those. I have a successful XXXX in the range of {$400000.00} and XXXX dollars, and an impeccable reputation. US. Bank 's reckless reporting will cost me hundreds of thousands in higher interest charges. I made every reasonable effort to resolve this but US Bank refused on several attempts.

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 09/23/2017 about Mortgage (Other type of mortgage) with PRIMELENDING, A PLAINSCAPITAL COMPANY (SC).
Issue: Applying for a mortgage

Complaint: Prime Lending, as well as other lenders in XXXX SC, openly violate RESPA and " provide things of value '' for referrals. The attached showed up in my XXXX feed. Pitiful.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2017 about Debt collection (I do not know) with Williams & Fudge, Inc (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This company is coming after me for a debt that does not belong to me. I asked for validation with a signed contract and from what company I was sent a receipt from an institution I did not attend. I am am a victim of indetity theft and this debt is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2017 about Debt collection (I do not know) with Collection Information Bureau, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: XXXX, XXXX XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX TER, XXXX XXXX, FL XXXX Consumer protection bureau : XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XXXX/XXXX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX, XXXX XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX TXXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2015 about Credit card () with BARCLAYS BANK DELAWARE (NC).
Issue: Late fee

Complaint: Closed my account at Barclay 's because they are unable to process my bank payments ( although no other companies have this problem ) Called every month since XX/XX/XXXX to try to resolve issue. They say they will take off late fee and I should only pay 'x ' amount. I send in a check and pay the amount and they charge me for not paying the late fees. Now they are charging me late fees on the late fees in addition to a minimum charge. 
XX/XX/XXXX : called and was told balance now XXXX + previous late payment charge. Agent said they will take away late payment so final payment is XXXX. Check sent for {$14.00}. 
XX/XX/XXXX have bill of {$58.00} all late feesXX/XX/XXXX, XXXX : called to resolve problem, phone system not working at Barclays any of these numbers XXXX ; XXXX ; XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01-12-2016 about Consumer Loan (Vehicle loan) with CREDIT ACCEPTANCE CORPORATION (TX).
Issue: Managing the loan or lease

Complaint: My account was NEVER late and was paid in full ON TIME after an accident that totalled the car. My insurance sent in settlement and Credit Acceptance Corp GAP insurance covered the balance. This was verified at the time it was happening. Recently upon pulling copies of my credit to find out why I was having issues, it was discovered that Credit Acceptance had marked the account as 'Derogatory ' and 'Payment after charge off/collection Paid collection '. 
I made contact with them recently which the customer service person saw that the account was indeed paid as agreed and never late, and claimed to forward the information to another department. I have received NO communications since then.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit Protection Association, L.P. (OH).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I have a a unverified account from XXXX # XXXX. I had previously disputed this account. I have never done business withXXXX XXXX. Pursuant to the Fair Debt8 Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request thatXXXX XXXX Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

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 04/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (RI).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX   XXXX  ard in   XXXX   XXXX     lists missed payment but I did not miss any. Account is closed and is also too old to be on file on my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Cedars Business Services, LLC (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: On XX/XX/XXXX my husband and I celebrated our honeymoon in XXXX ( XXXX and XXXX ) for Two days into our arrival in XXXX. We were robbed. Money as well as an electronic device ( iPad ) which consisted of personal information, were stolen. Along with many other articles. We traveled to XXXX from XXXX. By rental car.The agency I rented from, took my credit card information and passport information to keep on record. When we returned home XX/XX/XXXX with in a few weeks XXXX receipts for XXXX paid traffic violations were paid by automatic payment charged to my XXXX XXXX card from the rental car agency. I did not dispute the charges. Totaling in about {$700.00} American dollars. Today XX/XX/XXXX, I receive XXXX bills from a collection agency. Which is servicing for " XXXX XXXX XXXX XXXX XXXX. 
The addressed envlope was sent via regular mail. Delivered to my home it was in the correct name but not the correct address. XXXX separate bills with the same amount totaling to {$320.00}. The company Cedar Financial that sent these bills to me was promptly called by myself.I have never received anything in the past 2 years stated I owed XXXX separate amounts of {$320.00}. I spoke with XXXX separate people. XXXX in which was speaking as if they were a robot. Asking more then 3 times for payment information. Stating they accepted all major credit cards or check. I asked to speak to a supervisor.I was transferred to a gentleman. Who stated if I do not make payment today, my credit would be in jeopardy. As and wages I make will be garnished.In all of my years of being a credit holder I have always had impeccable credit.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2015 about Debt collection (Non-federal student loan) with Cedars Business Services, LLC (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I received a statement from Cedar Financial for an outstanding balance owed to XXXX University. The original amount was {$1700.00}. I set up payments and have paid on-time. As of XXXX XXXX, 2015 the balance was {$1500.00}. Then I received a letter dated XXXX/XXXX/2015 stating the balance was {$670.00}. I contacted the account manager, who stated the letter was incorrect and the balance was {$1000.00}. As of today XXXX XXXX/XXXX/2015 XXXX, I have paid {$870.00} towards the balance ; however Cedar Financial states I owe {$1000.00}. They are claiming I owe a {$25.00} return check fee. Today, I received an email from the account manager stating my total payments as of XXXX/XXXX/2015 are {$820.00} and not {$870.00} XXXX which I have a record of ). They also stated I can settle the loan with XXXX University for {$660.00}. When I contacted XXXX, they stated the unpaid debt was bought by Cedar Financial and they control the settlement offers. The XXXX representative stated they have no more interaction with account due to Cedar Financial purchasing the bad debt. I am concerned that the collection company is not only trying to collect the wrong amount but also presenting misleading information. I was also able to print my statement from the university which shows the original amount was {$1500.00}, therefore, I am not sure where the other {$200.00} derives from. In addition, I have attempted to negotiate a settlement on this account twice no avail. I am attaching all emails and letters to support my issue.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2016 about Credit card () with CITIBANK, N.A. (GA).
Issue: Other

Complaint: i was solicited over the telephone for an at home business opportunity on XX/XX/2016 by a company that called itself ap industries.they proceeded to take XXXX from me.i found out i had been taken.they charged me a total of XXXX on several different cards.i thought for sure citi would help me with this as services were never rendered 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 monetary relief
Consumer complaint received 03/20/2018 about Vehicle loan or lease (Loan) with Whitestone Financial Holdings LLC (VA).
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint: Negative, This Company and the dealerships are in business to ruin hard working ppl lives. I brought a vehicle for {$16000.00} and I put {$10.00}, XXXX down. Nothing was wrong with my credit. I wanted to pay the whole amount but was convenience by the dealer to go with Whitestone Financial to help with my credit. Which nothing was wrong with my credit. Instead I'm paying close to {$14000.00} in loans for a {$7000.00} balance. How can the government allow these loans to do this to someone, when clearly I did not know my interest goes up daily no I did not read that, at least I did not get the understanding of it. These loans should be in simple form for all reader regardless if they believe we understand what they are reading. Still should not give them the right to make double the money on loans. I was not aware until my sister read the interest rates on one of the pink forms I believe. Dealer also added on extra insurance because he stated Whitestone would not Finance me without it the gap insurance and a gps installed in my vehicle. All lies to make money. I would never recommend Whitestone to anyone. So I'm paying {$24000.00} for a vehicle that wasn't even worth {$10000.00} at the time of purchase.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2016 about Mortgage (Conventional fixed mortgage) with BBVA COMPASS FINANCIAL CORPORATION (CA).
Issue: Credit decision / Underwriting

Complaint: We started the mortgage process w/BBVA in XXXX with a XXXX closing date. Through the process I was extremely proactive returning requested action items often within minutes and closely followed the status throughout the process. Concern of the processor 's attention to detail and responsiveness was voiced early on by myself however I was falsely reassured. The week before closing I was assured everything was on target however the week of closing I found out our process was to be delayed and BBVA petitioned for an extension which was graciously accepted by the seller. Unfortunately it was later found that there was no acceptable reason for the initial dealt other than someone " dropped the ball '' per BBVA & I was assured we would close by yet another requested extension. The processor 's supervisor became aware of the situation and promised to escalate the process assuring an expedited flow. Unfortunately a XXXX petition for an extension was requested without any apparent reason. Multiple calls to BBVA customer support yielded promised return of call with 24-48 hrs by managers of customer support to accommodate reparations. Two weeks later and still waiting there has been no return of customer support management and we are still waiting to close escrow brining the total time to nearly 70 days! Promise to expedite the process was met with actual delays again for no apparent reason and not because of delays on my part. As a result of multiple requests for extensions by BBVA w/o valid reasons the purchase of our dream home is now in Jeopardy and there has been no response as promised by customer support not even a phone call to acknowledge the inconvenience or promise of reprimand of the person who initially caused the delay. Accountability for a timely closure of this mortgage process has been sub par and there has yet to be any offer of reparations or to remedy the situation w/o further delays.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (NY).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: On XX/XX/XXXX I visited a grocery store, XXXX XXXX, located at XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX and purchased groceries for the total of {$64.00}, the cashier accidentally charged me {$6400.00}. I did not realize this until after I had walked out of the store. I received a text message from Chase to verify the transaction, via which I declared the transaction fraudulent. I went back to the grocery store stated above and notified them of the error and that I declared the transaction fraudulent to my credit card provider. I then proceeded to have my brother pay for the groceries using his credit card for the appropriate amount. I did this as to void the entire transaction so I did not receive any benefit from the transaction for which I did not pay. On XX/XX/XXXX, Chase placed the charge back on my credit card account stating that I had received a benefit from the transaction and therefore it was not fraudulent. I contacted the merchant and they told me the funds were removed from their account by the credit card company on XX/XX/XXXX. They also provided me a screenshot of the transaction as proof. The merchant has agreed to resolve this issue by writing me a check for the fraudulent amount once they receive it from the credit card company if the credit card company is unable to resolve this issue. The merchant, XXXX XXXX, agrees with the statement above and have no quarrel with me about this transaction or receiving payment for the groceries. When I contacted Chase on XX/XX/XXXX in regard to this transaction, the agent on the phone notified me that Chase was in the process of transferring the money to the merchant. However, by XX/XX/XXXX the merchant had not received any funds. On XX/XX/XXXX I called Chase again and was told that the transaction will be expedited and the merchant will receive the funds within 72 business hours. On XX/XX/XXXX, the merchant, XXXX XXXX, told me that they had not received any funds. I called Chase again to see where they were with the resolution to my claim but I was unable to get in touch with a supervisor, the name of the agent whom I spoke to is XXXX. She told me that she is unable to provide me with the notes on the account and that she will have a supervisor call me back when one is available. I am still waiting on a call back.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Receivables Performance Management, LLC (NJ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: There was a XXXX debt that was sent to Receivables Peformance Management LLC. They contacted us by phone, never sent any paperwork, and we have sent two requests via fax to their company requesting they send us the full accounting. The reference number for the debt is XXXX. We had disputed the charges with XXXX as we were managing a property that was sold, and they refused to cancel the line as it was a fire line, and the new owners never put it into their name. Once this company received the debt from XXXX, we have contacted them numerous times over the phone requesting the documentation, and fax them. We have the fax proofs if needed.

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 02-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I sent a certified letter to XXXX  XX/XX/XXXX asking them to send verification of a negative account that is reporting on my report. XXXX XXXX XXXX : Original creditor- XXXX XXXX Amount {$350.00}. They just sent a letter back stating it was " verified that this belongs to you '' But NEVER sent how it was verified. This is direct violation of the FCRA. 
I also sent a certified letter to XXXX XX/XX/XXXX ( report # XXXX for XX/XX/XXXX ) asking them to send verification of a negative account that is reporting on my report. XXXX XXXX : Original creditor : XXXX XXXX XXXX. They only sent a reply that this account has been verified and that they will NOT reinvestigate. They NEVER sent information on how it was verified.

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