milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Synovus Bank (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: In a letter from Vice President XXXX XXXX he stated that his company did not receive my certified mail. Attached is the letter from VP XXXX XXXX and the confirmation from USPS confirmation of delivery. In the letter he also stated that my phone number and email matched. In  general if someone used a person 's information that information would match. I am shocked that the VP XXXX XXXX would make that statement to verify an account. The statement and the proof of delivery that I provided shows that the VP XXXX XXXX did not do a accurate investigation or that he will lie to not do a proper investigation to close a case. So I ask did VP XXXX XXXX lie in his letter to avoid not responding in the 30 days and in this case the 9 months. Did my letter get tossed in the garbage like many by VP XXXX XXXX. The law states 30 days and I 'm sure VP TXXXX XXXX saw this and noticed it 's been 9 months. So I ask VP XXXX XXXX where is the certified letter, I provided supporting documents. Once again the letter VP XXXX XXXX submitted is a LIE.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Debt collection (I do not know) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: TRANS UNION ISSUES THAT THEY HAD IN XXXX THEY REFUSED TO REMOVE XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX WAS THE ONE THAT REFUSED HE WAS IN XXXX WITH A BAD ACCENT AND VERY BAD CONNECTION

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 01/26/2017 about Mortgage (Conventional fixed mortgage) with Servis One, Inc. (MI).
Issue: Loan servicing, payments, escrow account

Complaint: BSI Financial, my loan services, notified me in XXXX, XXXX about a change in my escrow servicing. They figured my taxes wrong, by nearly {$650.00}. I notified them immediately about their error, with paperwork from my city clerk. The process to straighten out this error has taken over 6 months. Over those months, I continued making my regular mortgage payment of {$800.00} ( vs their suggested payment of {$730.00} based on their escrow analysis ) They notified me of a mortgage shortage of {$410.00} in XXXX XXXX. Which I paid. The amount they are now saying is due is {$840.00}. None of this adds up. They are selling my loan, effective XXXX XXXX. I want the new servicing company to get a clean, well calculated escrow amount and I am highly doubtful this will happen.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2015 about Credit reporting () with Experian Information Solutions Inc. (MA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Experian would not give me a credit report unless I signed up for their XXXX service. I offered to pay for report but did not want service

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01-07-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I have tried unsuccessfully tried to challenge with Transunion recent inquiries which are not mine and did not approve and payment history showing late with XXXX, nothing updated on my account since XXXX disputes still processing ...

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Allied International Credit Corp., (US) (MO).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I received a letter saying I owed money to XXXX from Allied International Credit Corp. The letter is a SCAM. I do not owe any money to XXXX, I have n't used my XXXX account in 2 years and logged into my account to validate I have a XXXX balance with XXXX. Internet search reveals the same SCAM has occurred several times to other people. This SCAM uses up to date name and address info and comes across as a very real collection letter.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2016 about Debt collection (Payday loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I borrowed {$2600.00}, became ill, not working. Lending company got judgment against me for {$5000.00}. Garnished my wages for {$150.00} per month for the last XXXX months. My payroll company stop the garnishment after {$4000.00} was paid ; now they are coming back to garnishing my wages again for another {$2100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I opened a charge account with XXXX XXXX XX/XX/XXXX, I was approve for {$1000.00}, I have never used this account at all. The account was closed/transferred/sold on XX/XX/XXXX which dropped my credit score. I just got a alert today XX/XX/XXXX stating that my Equifax credit score dropped another 16 points due this same account being acquired from another lender. The company name is XXXX XXXX / XXXX XXXX. It is no fault of mine that this company 's accounts has been acquired, Again I have never used this account so my score should not be affected.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2017 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: My credit card with XXXX XXXX was charged off in XXXX 2016. XXXX XXXX has been reporting that charged off account as late & over the limit every month since it has been charged off to XXXX credit bureaus. This is a huge concern. Please resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I was charged a finance charge on a credit card balance. It was for {$1.00} XXXX dollar. I was marked as 30 days late on my credit report. The Card Issuer, Wells Fargo refuses to remove the 30 day late, now it has negatively impacted my credit score and I am bgoing to be rejected for the mortgage I have applied for. I would like Wells Fargo to remove the 30 day late from my credit file.

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 04-05-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX is mis reporting the date of last activity to Equifax for my old master card account. The true date of last activity is XX/XX/XXXX ( showing correctly in XXXX XXXX and XXXX ) however, on Equifax it is reporting XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (MI).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I asked this debt collector to send me the information on my debt so I could take care of it. They responded by telling me they ca n't find my account or information for it. It is still on my credit report and I 've heard nothing but bad things from this company and being dishonest. ENHANCED RECOVERY COMPANY is the company in question and XXXX is the original creditor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/25/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I was reported for greater than 7 years ( XX/XX/XXXX ) for a NY State paid tax lien and Transition continues to report this despite the fact that the law states that paid tax liens should not be reported for greater than 7 years and it has been over 8 years. I have disputed this with Transunion and the item remains on my credit. It was originally reported XX/XX/XXXX and it is now XX/XX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/18/2017 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Other

Complaint: Bank  of America, o n an  XXXX  rewards master card, has charged me fees and interest even when there is a credit balance on the card. Additionally, it failed to refund ov er a thousand dollars of the credit balance and it is difficult to impossible to reach a representative  on the toll free number that appears on the billing statement.  XXXX  could not be reached by pushing  XXXX  or through other reasonable means, thus requiring the caller to have his or her time wasted by a lot of rerecorded garbage. When I finally reached someone, he told he I would have to call someone else about this problem. So, in addition to messing up accounts, charging the customer for their  XXXX  ups and then compounding their own mistakes at increasing expense to the customer, the  XXXX  number published on their statements reach no one who can actually do anything to correct their mistakes.

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 11/20/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with CU Recovery, Inc. (MO).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Refused to inform me of where I could retrieve my personal property from my car they illegally repossessed for a past due unsecured personal loan XXXX. 
Continued to call me, refused to say who they were, after I repeatedly told them not to call this number I did not give them, three times in 30 minutes stating simply " I know you told me not to call this number '' instead of answering my question of " who is this? ''

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 01-05-2017 about Bank account or service (Other bank product/service) with SYNCHRONY FINANCIAL (CA).
Issue: Using a debit or ATM card

Complaint: They are unwilling to assist in a dispute on my Care Credit credit card. The dental provider overcharged me, synchrony said they researched it and are siding with the provider. When i asked why it 's because they have to take into consideration the provider 's claim. But not mine? just because they 're a business? this does not mean they are incapable of scams, which I explained to synchrony. I also, several times, explained that my insurance paid they 're part after i paid what was an estimation during my initial consultation. The estimation turned out to be inflated, and was actually more than my contracted rate so i am due a refund. Synchrony told m several times to either take this up with my insurance or small claims. Why is my insurance going to pay me the difference? the credit card needs to take this off of my account and deduct it from payments to the provider! I also pointed out that the written statement from the provider actually proves my point that I am owed a refund, as it says the amount due by me is less then what I was charged. My billing ledger from the provider was doctored to show a zero balance by contradicting what they said in their statement to synchrony. When i ask about this i am told they go based on the ledger not the statement. So the fact that it does n't add up did n't raise red flags to at the very least keep the investigation going until it can be clarified? Nope they just find it easier to make me feel like I 'm the scammer. No help, no empathy, no apologies, just constant interruptions and frustrated responses were all I got from Synchrony. They also say I signed a contract, which it was not..its a treatment plan ( estimate ) that clearly says the charges may change due to unforeseen circumstances and this is the charge AS OF NOW! Come to find out, many other consumers have dealt with similar and many other various issues from Synchrony and Care Credit.

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 03-01-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (OR).
Issue: Application, originator, mortgage broker

Complaint: Applied for a refinance, XXXX thru the process of closing, receive a call and a email stating the loan has been cancelled. This happened several weeks before the rate lock expire date on the loan estimate. Been given several different reasons why, but none pertain to my actual situation. They refuse to move forward and refuse to refund any of my cost, such as appraised cost etc. They either do n't return phone calls or delay and then send emails, they have not returned a single phone call as promised since this began. Send paperwork saying they sent other paperwork for denial reasons and have n't. Send paperwork that has incomplete dates on it. Yesterday they changed their reasoning for my denial again and said it was further explained on paperwork they sent, I have not received this paperwork as today. Have been very patient, but feel I am now getting the run around and ca n't figure out why.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 08-12-2016 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (NC).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: There is a company that has had a collection on my credit file and I can not get them to reveal what the collection is for. As of yesterday they " updated '' the debt as to make it look like a new debt even though it 's been reported for a number of years now. I do n't feel their tactics are correct or ethical. I have been dealing with this issue since last year when I was in the process of getting a loan for a new house. The companies name is Syndicated Office Systems.

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 11/17/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Loan servicing, payments, escrow account

Complaint: Bank of America is having me pay {$130.00} per month into an escrow account for taxes and insurance ( says it on the bill. ) The taxes are $ XXXX/month and the insurance is {$26.00} per month. Neither bills have been paid, and after 3 hours on the phone and bank visit, no one can figure out why. They are saying that I either need to pay it myself, or wait one week to be contacted by them. Meanwhile, I received a letter on XXXX/XXXX/15 stating my insurance was going to be cancelled because of this. They ( XXXX XXXX ) said they sent Bank of America several bills for {$310.00} ( now {$340.00} for late fees ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-10-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ONLINE Information Services, Inc. (MI).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I had received a phone call I called back and left a mmessage because he was on lunch. He called me back I asked if I could set up a payment arraignment I was told he would see what he could do I offered XXXX by the XXXX and I 'd do more each mnth after that. He declined and came back with XXXX by the XXXX. I informed him I could n't come up with that and asked to speak to a manager. The manager told me he did n't have to offer me any payment arrangements and so I got upset and asked to speak to his boss. I was falsely informed that there was no one else I could speak with that I had to write the president himself and wait for a reply. I got XXXX and used a little bit of profane language and told him there had to be someone else I could speak with and he said no and hung up. I called back XXXX got hung up on XXXX more times before I spoke to another manager. This manager told me that he did n't care what was said by the other manager I was talking to him now and so I said well then I need u to set up my payments so this does n't hit my credit like ur threatening. He then said I do n't have to do anything but I can. I said no u need to set this up for me so it does n't hurt my credit. Again he told me he did n't have to do anything but he can and hung up. I called back a final time in tears at this point cuz they are threatening to hurt my credit yet not set up a payment plan for me. I got the first manager I spoke to in the first place and he told me when I call to complain make sure I tell them that he set up my payments when the law would n't make him so he did me a favor even tho he did n't have too. I spoke to XXXX Id # XXXX. XXXX id # XXXX and XXXX I did n't get his id number. I was also informed that they have been contacting me multiple times that was thrown in my face and this was the first time I received a call and called right back.

Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IL).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I have tried numerous times to work with these people. I was making payments of almost 500 dollars a month. With 2 car payments and a mortgage that is impossible, we have been struggling to live, Not to mention XXXX children. They deferred all my payments for the 1st 3-4 years, just talking in circles. Not telling me the terrible effects of deferring payments. It 's honestly a shame and a sham, basically I had XXXX in student loans that doubled to XXXX because of Navient. I have paid down around XXXX. I would be willing to pay another XXXX the actual amount that I owed instead of the deferred amount that Navient created. Not to mention just recently I applied for the income driven repayment, which I was approved for. Then received an email saying I was denied. Was a total kick in the stomach.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2016 about Consumer Loan (Installment loan) with BlueChip Financial (OK).
Issue: Problems when you are unable to pay

Complaint: I got a loan from Spot Loan a few months ago and then lost my job, so ca n't make the monthly payments. For the past week I 've had a collection agency call me threatening to put me in jail saying the fact of Spot Loan not being able to ACH payments from my bank means I wrote a hot check. The call today was a lady saying I 'd be served on XX/XX/XXXX by who, I do n't know. I know my rights and they ca n't put me in jail for this. I 'm so tired of the calls that I 'll probably change my phone number.

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 02/25/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have disputed this debt twice for it does not belong to me. I have just been out of XXXX for a year or so. I was a kid and under age, not responsible for this 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 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (PA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: So I owe about XXXX in federal loans I have been off of work for over 2 years got pregnant and was placed on bed rest because I carry my babies pretty low. Then I called Niviant witch is the company that handles my loan to get on an agreement but thay only offered me one way out and that was to pay {$590.00} for a year and reapply for the same program every year because im out of work I dont have {$590.00} to pay them I asked if there was any other option but unfortunately thay couldnt help me any further so now im place on default. Ive been calling different places to get some answers my school ( XXXX ) closed down due to fraud and I thought my student loans could be forgiving but because my school closed after I graduated I didnt qualify for forgiveness either. Im out of options is there anyway I can get some type of help for people struggling on paying there loans? Thank you so much for your time. 
XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (PA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: My loan has been transferred to several different companies. It seems that after I make a payment arrangement with one company, once they have made their $ XXXX- {$4000.00} fee, they sell it off to another company. Now I have paid my balance down because I had been paying on the loan for about a year or so and when it gets sold off, the new company tacks on their fees and my balance gets pushed right back up. I 'm spending my time and money paying fees but the loan does n't come down. I just signed into Navient 's website to get my tax form to see a note that I was 18 payments behind and had been charged a late fee. Well, Navient is taking the money out of my account every month, so how am I missing 18 payments? They have the wrong bank account as well. I went to school for 1 1/2 years and XXXX has really jammed me up. The had me listed for some many loans it was ridiculous when I went to the same school the entire time.

Company response to consumer: Closed with explanation