milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/23/2016 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Billing statement

Complaint: I opened an account with Amazon.com in XXXX XXXX for an Amazon Store Card through Synchrony Bank. I made a payment on XXXX XXXX, XXXX for {$100.00}, however, it was before the bank had produced my first monthly statement on XXXX XXXX. This satisfied my XXXX payment. The billing cycle is 28 days long, meaning the billing cycle should have gone from XXXX XXXX - XXXX XXXX, XXXX. Unfortunately, when I logged into my online account Today, XXXX XXXX, XXXX to make my monthly payment, I was shocked to see in large red letters " 3 Days Late '' at the top of the page. I never received a monthly statement explaining this error in arithmetic. When I called their customer service, I was told my payment had been set for the XXXX of every month, which I never consented to, was notified of, or was made aware of. Clearly, this was not the case when I made my payment the previous month, since there had not even been a statement made available yet. The customer service representative removed the {$25.00} Late Fee that was charged to my account, however, it will still appear on my credit report as a late payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-12-2016 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I rented an apartment back in XXXX with a friend. I moved out of the apartment in XXXX. However, my friend stayed in the apartment. I went to the main office and requested my name to be removed from the lease, I was told that everything will be OK and my was would be removed. I later found out that my friend was behind on the rent and my name was still on the lease. Since I 've already moved out of the apartment and requested my name to be removed from the lease I am not entitled to this amount. I would like to get it removed from my credit score because it is affecting me. I am not able to get a loan for a mortgage, and buy a house for me and my family.

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 12/21/2016 about Credit card () with REGIONS FINANCIAL CORPORATION (TN).
Issue: Transaction issue

Complaint: I was dealing with XXXX to set up a web business, after that I started getting calls from other companies offering online related business. That 's when I was contacted by XXXX who designed a website. I was also charged for a blog, a press release and video. Every time they would call they would ask for a new fee. There were several charges in total of $ XXXX.My store was ready for sales in XXXX but have not made a penny. A friend tried to find my store ( XXXX ) but could not find it. So I had no chance of making any money. They never intended to sell me a legitimate business. I have cancelled my debit card. I want and need my money back and I tried to resolve directly with them but they do not respond my refund requests.

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 12-04-2017 about Mortgage (Home equity loan or line of credit (HELOC)) with HUNTINGTON NATIONAL BANK, THE (OH).
Issue: Trouble during payment process

Complaint: I called the bank on XXXX and requested a payoff amount. They refused to give it to me. They asked many identification questions and I answered them all but did not know the penny amount of a $ XXXX transaction. I knew the exact balance, my SS I feel the bank does these things to generate revenue that they did not earn. In this particular case, extra daily interest. When i asked for a supervisor the representative stated he was.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2017 about Debt collection (Auto) with PORTFOLIO RECOVERY ASSOCIATES INC (MO).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have sent several certified letters to the debt collector in attempts to get them to validate the amount that they are attempting to collect from me on this 6 year old debt. The only thing that they provide is the original sale documents from when the vehicle was originally purchased. I have asked that they send the sale documents from when the car was sold from the voluntary repossession, but they do not provide what I am asking for. They are not providing me with proper documentation that proves that the amount that they are trying to collect is valid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/29/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MI).
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint: I contacted the debt collection agency regarding loans that went to collection after continuously requesting and being approved for deferments and did n't understand what was going on. Since I have contacted the Dept of EXucation to find out what exactly is going on because the people at the collection agency was able to provide an adequate response. After contacting them they have called at minimum 9 times a day at minimum and I just do n't believe they should.be able to contact me as much when I 've explicitly explained the situation and I am attempting to rectify the situation.

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 Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: have repeatedly requested for documentation from  XXXX   XXXX  to verify the debt of {$1300.00} that is reported on my file. They after repeated attempts have not sent me the documention to verify said debt and I disputed the debt with Transunion. Transunion informed me that their investigation consists on them taking the word of  XXXX  that they have the documentation for the debt, when I requested what documentation they had received to verify the debt they informed me they have n't they are taking the recovery company at their word.  XXXX   XXXX  is subject to a  True Consent order im posed to them via a legal action and at this stage have not provided any evidence to me or to the reporting ageny for this alleged debt.

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 02/17/2018 about Credit card or prepaid card (General-purpose prepaid card) with AMERICAN EXPRESS COMPANY (PA).
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint: As of today XX/XX/18, at approximately the XXXX EAST I have been unable to make purchases, check the card balance via telephone or online and get money from an ATM machine. There is money available on my card from a payroll direct deposit and the card website states it's unavailable because of scheduled maintenance and when I contact them via phone an automatic.recordng states that " their system is updating, please call back later ''. I tried using an ATM and the receipt states to contact my financial institution. I have been unable to use my card for almost two hours and I need to access my money ASAP. The company has not provided any source of information as to what is going on because no one is answering their phones. I have no access to my cash and no understanding of why. This is a prepaid card and the money that is there is mine. There was no information sent about any scheduled maintenance that was going to happen during this time.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2017 about Credit card () with CITIBANK, N.A. (FM).
Issue: Billing statement

Complaint: I brought item in XX/XX/2016 from macys and within few days I return the item, however at the time of purchase they stated the charge would be placed on the club promotion plan that offers XXXX months interest free. when I made the return the person did not placed the returned on the promotional plan only on the revolving account. I have called many times regarding the issue but its hard to communicate with the representative but they are all in XXXX, when I ask to speak with account XXXX in united states I keep getting routed to XXXX. I have filed a complaint before regarding the same issue and they stated it was resolved. but looking at my statements the issue was not resolved I been getting for promotional balances also looking at the statement I also been charged interest rate charges for return items as well. im tired of calling and asking for account XXXX to review my ACCOUNT. and no one is doing anything about it. I have call to close my ACCOUNT. IM AT THE POINT THAT I DONT WANT TO PAY FOR SOMETHING THAT IS NOT ACCURATE OR FAIR AS cONSUMER!!!!! also you will look at my statement its states that if I paid {$180.00} for XXXX yrs my account will be paid off, than why am I getting charge 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 monetary relief
Consumer complaint received 11-09-2017 about Debt collection (Other debt) with Credit Protection Association, L.P. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: To the best of my knowledge, Credit Protection Association ( CPA ) began reporting a collection for XXXX, in the amount of {$290.00}, around XXXX 2017. XXXX took over from XXXX and believe you me, it was all downhill from there. Their customer service, billing, and other representatives would have to work their way up to become incompetent. Nonetheless, since I have no knowledge of this debt, I have disputed it via the individual reporting agencies ( XXXX, XXXX, XXXX ). CPA has verified the account to each, so it remains on my credit reports. I have yet to receive anything to validate the debt, so I am still unsure if it is even legitimately mine. Since they wo n't remove it through the reporting bureaus, I 'm not sure how else to get it done, other than to report it here.

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 10/30/2017 about Money transfer, virtual currency, or money service (International money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (GA).
Issue: Other transaction problem

Complaint: Date : XXXX/XXXX/XXXX Amounts : {$490.00} I made a transaction through money-gram to send money to my friend as donation, the receiver said that she already reached her goal and they do n't need the money so I called money-gram to cancel immediately after 12 minutes minutes from sending the transaction. The agent assure me it is cancelled and I should receive a refund. On the next day, I cheeked the status of transaction and I was surprised that they actually send the money. I called and I filed complain but without any success. I lost trust in the company so I went through my bank and I filled dispute of the transaction because I did n't authorized them to complete the transaction. Moneygram now send it to collection without even telling me that I have to pay them. 
I have attached the time frame of my call to the company Note : the time of transaction is on transaction detail ( XXXX pm )

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2017 about Student loan (Private student loan) with Allied Interstate LLC (FL).
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint: The alleged company Allied Interstate, LLC is calling me every single day for months. They call XXXX times a day and as early as XXXX and as late as XXXX. They have called me during job interviews. They never leave a message and are basically harassing me. I told them I think it is illegal to call that many times DAILY, but they said nothing. I have lost my job, I struggle with health issues and I can not pay the loan payments right now and I told them that. I will as soon as I can. PLEASE make them stop harassing 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 05/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
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 have sent  XXXX  a letter demanding they send me what proof they have showing some accounts on my credit report and how it was reported that I owe these accounts other than just a social security number, name and date of birth.  XXXX  has refused to send me any information on this. I have filed this under Sectio n 609 ( A ) ( 1 ) ( a ) as well as my rights under section 611 of the  FCRA. A letter was sent on  XXXX / XXXX /   2017. Ins tead of doing the investigation and sending me the required documents that I ask for they have claimed that I need to basically stop bothering them over this.

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 Consumer Loan (Vehicle loan) with Westlake Services, LLC (LA).
Issue: Problems when you are unable to pay

Complaint: I have had a loan through Westlake financial for a little over 2 years. Never had a problem till recently. I hit a little bit of financial trouble, due to my ex-husband not paying child support. I called them 2 weeks to explain why I was 3 months behind, at first they were understanding and told me to get a payment in asap, I informed the lady I would be doing it the first, she said that would be okay. Today I called to pay on my account and I was informed that had closed my account and charged it off and even though I offered them a payment, they refused said that I had to pay {$1000.00} towards the {$4000.00} that was still owed before the account was closed and they would work a payment plan for the rest. The last bill I recieved showed that I owed {$3800.00} left on my car. They would not explain anything and had not told me that they were going to this. They said they had called the past 2 weeks and left messages, I have no messages or calls from, they also said they sent mail, I did not recieve this either. I then asked them when will you be repossessing my car. I was informed even thought my account had been closed, my car was not up for repossession, I repeat they have closed my account, yet have not set me up repossession, it sounds very suspicious to me. I was very angry and upset, because they were very rude and ugly to me, and I did curse at them at the end of the call. I also discovered that last XXXX they had a lawsuit filed against them for their business practices, they are still doing unlawful and less savory business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2015 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have submitted numerous requests for verification of my accounts with Equifax, XXXX XXXX, and XXXX, and have yet to receive a response. They are in direct violation of the FCRA and I would like this taken care of immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2015 about Prepaid card (Mobile wallet) with AMERICAN EXPRESS COMPANY (MD).
Issue: Managing, opening, or closing account

Complaint: When I bought my XXXX phone, the app American Express Serve came with it. It auto opened an account, though I did n't think anything of it because I never used it. So there 's no banking info or anything tied to it. Today I got an email saying that unless I add direct deposit to the account AmEx will charge me a {$4.00} fee. I try to log into the site, but I ca n't because I never really opened an account. I did request new PW and that let me in. On the page, no where to close acct. You can only call, tweet them, or write a letter. I have been on hold for 30 minutes. I would really just like to close the account and not be charged $ XXXX. Especially when this is just an app. Like a way to pay for things on your phone w/o using your own credit cards. My major issue is that there 's no easy way to contact AmEx and cancel the account. I am not going to tweet at them or send a letter. My only option is to call and like I said, they have had me on hold. I think this was a little forced since it was an app on my phone that I did n't really want. It was pre-loaded.

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2015 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Application, originator, mortgage broker

Complaint: We have been trying to refinance our home but can not move forward because of Bank of America. We paid off a balloon with Bank of America but can not get them to show the balance as XXXX with the credit bureau. This issue has been continuing for XXXX months and is still not resolved. In the meantime, interest rates continue to raise and Bank of America continues to do nothing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/21/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CO).
Issue: Loan modification,collection,foreclosure

Complaint: 3 years ago ... we received a Shared Modification from Ocwen ... They are the epitome of a THIEF. Thy request invoices and documents of what was updated in our home. We submitted them and they have the nerve too say we can not confirm. ARE THEY A BUNCH OF XXXX OR WHAT. We fixed and updated our bathroom utilizing XXXX XXXX to complete the job. W also used a glass company to replace the Shower door. sent in those invoices. They are fools and idiots and I am tired of going back and forth. WHY ARE YOU PEOPLE NOT DOING SOMETHING ABOUT THIS COMPANY. 
I have had it with them trying to rip us off. 
Now the invoice for the shower is {$4200.00} and the invoice for the shower door is {$1300.00}. Where they got the invoice where they saw {$780.00} is beyond me. They are bunch of XXXX people. Also submitted invoice where new roof was done, gutters replaced and siding and new windows. 
NOW YOU HAD BETTER TAKE CARE OF THIS AS WE ARE FED UP.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (SC).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Collection company refuses to provide information as to name of creditor. They only provide a database listing showing my name and an amount allegedly owed. I have recently suffered from identity theft, and have had a number of claims for services that have been provided in states where I do not live, and have never lived in or have not lived in for 10+ years.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Debt collection (Other debt) with Professional Debt Mediation, Inc. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This account has been re-aged. It was originally supposed to be removed XXXX XXXX now it is reporting XXXX XXXX removal.

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 05/24/2017 about Debt collection (Credit card debt) with J.A. Cambece Law Office, P.C. (DC).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I am in a XXXX XXXX XXXX with XXXX assistance. My entire income is taken to pay the patient responsibility part of my bill. I can not make payments. I have explained this repeatedly.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2015 about Prepaid card (General purpose card) with U.S. BANCORP (NH).
Issue: Advertising, marketing or disclosures

Complaint: I purchased this card and tried to use it online on XXXX to pay my account balance. I tried using the card but it kept getting declined. I called the number on the back of the card and was told that XXXX is a " blocked merchant. '' The customer service representative said US Bank maintains a secret list of blocked merchants at which they do n't allow their prepaid cards to be used. This is completely deceptive. The back of the card says it is accepted anywhere XXXX is accepted. It makes no mention of a " secret '' blocked merchant list. I believe this secret list is to make it harder for people to use the cards so US Bank can collect inactivity fees or hope people just do n't use the card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2017 about Payday loan, title loan, or personal loan (Installment loan) with Big Picture Loans, LLC (OH).
Issue: Charged fees or interest you didn't expect

Complaint: I took out a loan of {$600.00} from big picture loans via telephone on XX/XX/XXXX. I agreed to the fee of {$170.00}, as I was told this was a one time payment for accepting the loan. After I received the loan deposited into my bank account, I started receiving emails saying that I had to pay {$170.00} every two weeks! I was NEVER told of the interest rate of 683.3776 % or having to pay over {$350.00} a month for the next 6 and a half months. I called them and tried to work this out but to no avail. They say they will debit the payment of {$170.00} every payday through the end of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft There has been a breach of my personal information as : Credit card accounts, multiple cell phone accounts, an installment loan, and credit inquiries have been placed on my credit reports and has ruined my reputation with certain businesses. 

XXXX is reporting information about two XXXX XXXX Accounts that simply not mine and are the result of identity theft. 

Transunion is reporting information about two XXXX XXXX Accounts that simply not mine and are the result of identity theft. 

XXXX is reporting information about two XXXX XXXX Accounts that simply not mine and are the result of identity theft.

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