milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-09-2016 about Credit card () with SYNCHRONY FINANCIAL (NY).
Issue: Payoff process

Complaint: ConsumerFinance.gov complaint against : Synchrony Bank ( Formerly GE Capital Retail Bank ) located at XXXX XXXX XXXX, XXXX, Ohio, XXXX, for LOWES BUSINESS ACCT/SYNCB, Payable at XXXX, GA XXXX, and Corporate headquarters located at XXXX XXXX XXXX XXXX XXXX, GA XXXX. 

XXXX My complaint is in regards to Synchrony Bank ( Formerly GE Capital Retail Bank ), for LOWES BUSINESS ACCT/SYNCB, is as follows ; The paperless solutions for this business line of credit are grossly inadequate, and the payment scheduling options are so antiquated that no advance payments of any kind can be arranged with this company, a practice that disallows any payment scheduling beyond 29 days in advance. I could not see my statements until recently ( when they finally began allowing customers to see an online statement. ) Additionally, I never received vital communication about changes to my account and to the terms of my credit agreement. 
I have been charged XXXX in late fees. I have had several phone conversations with them over the last 10 months and I have sent emails, even before today. 
My first email to them today at XXXX ( they only allow XXXX characters per email so there are four ) stated that I want synchrony bank to do at least ONE of the following three suggestions : 1 Integrate with MINT.com. 
2 Set up payments online as recurring payments. 
3 Set up payments online in advance ( further than 30 days ). 
I then asked them to remove all late charges from my account and credit the money toward my back due payment and credit the remainder toward any upcoming payments. 
My second email to them today at XXXX stated : Credit XXXX to my account. Use XXXX as a payment for last month, and XXXX as a partial payment toward this month. See other email I sent to your company today for further explanation, there was a XXXX late fee charged on XXXX, XXXX, XXXX, XXXX. Thank you. 
My third email at XXXX stated : I am also filing a complaint with https : XXXX asking you to answer for your unscrupulous business practices ... even if it 's legal ( which I 'm not sure of either ) it is clearly a set of business practice calculated to create additional charges to your consumers. 
The fourth email I sent them today stated : I wish to terminate my credit line and I want 6 months to pay it off from the date the account closes.

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 12-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Trying to get time barred acct. removed from Equifax. XXXX XXXX XXXX charge-off in the amount of {$30000.00} Date of last activity is XXXX/XXXX/XXXX. State of Washington Statute of Limitations for this type of debt is 6 years. Both XXXX and XXXX have removed this item in a timely manner, when finally spoke with a human at Equifax in XXXX or some other place they do n't speak or understand XXXX, she said it wo n't be removed till app. XXXX/XXXX/XXXX??? I am trying to refi my home mtg. and this one item is a hold up. She refused to look any further or offer any explanation as to why they did not have to abide by Washington state XXXX as have the other 2 agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2015 about Mortgage (FHA mortgage) with QUICKEN LOANS, INC. (OH).
Issue: Application, originator, mortgage broker

Complaint: Quicken Loans is attempting to close on a loan with the clients name, XXXX XXXX, XXXX, FHA case number. They fraudently misquoted her numbers telling her the world and then bait and switched her. They charged {$400.00} for a fee not related to the appraisal so they could keep the appraisal. In every which way they tried to skeem and push something in front of this lady, all the while I was diligently telling her they were in the bait and switch program. I wish this not to the case on future, elderly, XXXX, living in poor neighborhood individuals. They also denied transferring the fha case, which is illegal, despite the client writing us a letter, stating that she was wanting to go with us. Again, very illegal and very unethical, you can not have a lender like this operating in OHIO.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Problem with fraud alerts or security freezes

Complaint: You guys continue to place fraud alerts on my credit and I do n't authorize any of the credit bureaus to place any fraud alert. Please do n't place another fraud alert on my credit file. I really mean it, it is embarrassing me and humiliating me as well.

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2016 about Payday loan () with BlueChip Financial (GA).
Issue: Charged fees or interest I didn't expect

Complaint: XXXX XXXX XXXX, claiming to be an independent processer- -in conjunction with XXXX County Georgia , has been leaving messages on my cell stating that I need to call him to verify my address in order for him to serve me legal documents. He 's also been calling my mother and other family members- -My mother is XXXX years old. On XXXX/XXXX/XXXX, XXXX XXXX XXXX called from XXXX XXXX XXXX stating that he too needs to verify my address and schedule a delivery of legal documents. He called from XXXX, but stated that I need to return his call to XXXX ; which happens to be the same phone number that XXXX XXXX XXXX is calling from. Because these calls sounded very suspicious, I googled both caller names and phone numbers and found that these gentlemen are " intimidators '', so to speak. Upon returning their call, the consumer is transferred to a payday loan collector. Therefore, I suspect that the calls to me are for the payday lender Spot Loan. I borrowed from them in XX/XX/XXXX and repaid nearly twice the amount of the principal. After learning from a credit counselor that I had overpaid this loan and that the lender is illegal in Georgia, I took action and stop paying them. I sent them a cease and desist letter by certified mail. My letter included a detailed explanation of my non-intent to render any further payments.

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 07-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: ON XX/XX/XXXX XXXX XXXX XXXX XXXX SUBMITTED PAPERWORK TO ALL 3 BUREAUS REQUESTING THE COLLECTION ACCOUNT BE REMOVED FROM MY CREDIT REPORT. THE ATTACHED LETTER SHOWS IT ALL. AS OF X/X/2017 THE AGENCIES ARE SAYING THEY HAVENT RECIEVED ANY SUCH NOTIFICATIONS.BUT WE CALLED XXXX XXXX AND THEY ENSURE IT WAS SENT ON X/XX/2017 TO BE REMOVED.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2017 about Consumer Loan (Installment loan) with Tennessee Quick Cash, Inc. (TN).
Issue: Taking out the loan or lease

Complaint: If I need to file bankruptcy, XXXX XXXX is the cause. 
I 'd been with XXXX XXXX for years as they offered both payday loans and a XXXX cash loan with a total pay off of XXXX. In XXXX XXXX I went in to XXXX XXXX and was told they had switched to a new flex loan that would " save me money '' but because it was so new the clerk did not no the details. That 's when things got out of control. I was making regular payments with automatic deductions from my banking account and not getting a bill. Three months later I went into the store and was told I only had {$35.00} in credit ; that 's when it hit me! I had made approx. XXXX payments of {$700.00} dollars thinking I was getting close to the end of this loan. I did file a complaint and agreed upon a settlement with the company when I received a tax refund in XXXX XXXX. I spoke to a very nice company rep and we settled on a payment arrangement and was also given a 30 % rebate off their product. Once again, I found myself as a customer of theirs as if I had n't learned my lesson and I am in a worse boat then ever. I do n't believe the 30 % was applied to this loan and out of desperation I went to another pay day loan to take out a new loan to pay off XXXX XXXX and am now up to XXXX. Yes, I am taking fault as I wanted to make payments but these companies make so you will NEVER got out of debt with them. The additional XXXX companies I used are XXXX XXXX XXXX and Tennessee Quick Cash. Between the XXXX companies, they 've eaten up XXXX of my paycheck as they automatically take the money from my account. I am behind on all my bills and even two months behind on my mortgage because I am trying to pay them off. What I owe is greater than what I initially borrowed with each of these companies. With XXXX XXXX XXXX, I tried to make a payment over the amount due and was told by the manager " my computer wo n't let me do that. '' These companies are impacting my quality of lie and health. In XXXX I was XXXX with XXXX XXXX and the XXXX and XXXX was way better than dealing with these companies. I make a decent living and they are robbing me XXXX, but what about the people on a fixed income who use these products. Each of these companies pretend to be transparent with their fees but are not. I 've signed papers with each of these companies and still do n't feel satisfied with their representation. 
My main complaint is why are these companies allowed to do business? If I do n't pay them back, is somebody going to come and XXXX as this situation must be worse than dealing with a loan shark. The people that use these products are not rich to begin with and they are really preying on this group. They do n't care about people at all, just their money and are stealing people XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/14/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Tormey Bewley Corporation (NM).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: My ex husband claimed bankruptcy chapter XXXX on XXXX that was discharged on XXXX and then I later claimed bankruptcy chapter XXXX on XXXX discharged on XXXX despite these two filings this collection company has repeatedly continued to report false information and refused to correct it with our federal bankruptcy information.

Company response to consumer: Closed
Consumer complaint received 08-04-2015 about Credit card () with JPMORGAN CHASE & CO. (SC).
Issue: Other fee

Complaint: my chase credit card bill dated XXXX/XXXX/15 was {$630.00}. on XXXX/XXXX/15 I paid the entire balance. my due date was not til XXXX/XXXX/15. they charged me {$7.00} interest. I called to complain and was told I did n't pay my account in time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/31/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (MS).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: in XXXX 2014 XXXX sent me a bill for {$120.00}. i sent a check to then in that anount. that check was never posted to my account. 
since then i have recieved many duns from XXXX. i sent them proof of payment each time. they turned it over to at least XXXX differant collection companys. XXXX XXXX XXXX and dervified consultants inc ihave proof of payment in my hand signed by a bank offical

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2017 about Debt collection (Private student loan debt) with Navient Solutions, LLC. (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Hi!     I have a complaint abo ut Navient,  a student loan collection comp any (  scam ). They call at all hours of the day and from multiple phone numbers. They say that I have a student loan from University  XXXX   XXXX  from  XXXX . That is impossible as I started University  XXXX   XXXX  in  XXXX . I am currently paying my   XXXX   student loans through  XXXX   XXXX . When i have spoken to them, they cant tell me ANYTHING, just that I owe {$11000.00} to them. They have reported this to my credit and now my credit is shot. This is unacceptable that a company can send fraudulent info to the credit bureau that I owe them money and when i call them, they can not even tell me anything about where it 's from! I said, " What school is this from? '' She paused and did not have an answer. I said the only school I went to was University  XXXX   XXXX  in  XXXX  and i 'm now graduated. She said, " Oh, then it has to be University  XXXX   XXXX . '' Please help me with this. They need to remove this from my credit. I am paying my TRUE student loans through  XXXX   XXXX .     Thank you in advance!

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2015 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: I have a mortgage with Nationstar. I have been in my home for 8 years. I had a reduction of hours in my work and fell back on my payments. I was only 2 months behing and was doing everything possible to repay, i also sent several times all the forms by mail/fax for mortgage modification and they insisted on that never received any thing. Final letter saying that they will not received any payment unless full payment of mortgage was paid in full thas XXXX.They also said that the sherrif will be coming to make sure vacated the home. I been talking to friend and coworkers and been told that i have been victim of of unscrupulous practices.

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with HYUNDAI CAPITAL AMERICA (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Greetings, XXXX XXXX XXXX is currently reporting to XXXX that I had a lease with their company, which totaled in the amount of {$18000.00} opened in XX/XX/XXXX. I am not aware of who opened this account nor do I have any information outside of what was provided in the letters sent to dispute this account in XX/XX/XXXX.  Upon my knowledge of this fraudulent account, I immediately filed the proper reports to support my position of identity theft, on this account and several other items on my credit reports. This account was fraudulently open in my name. This has become very frustrating for me and is causing damage to my credit. I have made efforts to dispute this issue for a whole year and this is still hindering my credit. 
Pursuant to Fair Debt Collection Practices, XXXX has not been able to provide me with 'validation ' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this fraudulent debt. 

They have been non-compliant with federal laws under the Fair Debt Collection Practices Act. I further remind you that they are liable for willful non-compliance as per FDCPA 807. False or misleading representations [ 15 USC 1962e ]. They have failed to provide a copy of any alleged contract or other instrument bearing my signature.

Lawfully I am able to seek {$5000.00} in damages for the following : 1. ) Defamation 2. )  Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act With regard to XXXX, they are continuing to give me a hard time with this account. XXXX, as well as XXXX were excellent in assisting me and understanding my concerns and have complied with my efforts in disputing this account as a fraudulent account and have completely removed it. I notified XXXX of the actions in XX/XX/XXXX that the other two bureaus have taken and they are continuing to keep this account on my credit profile. I have taken the steps to dispute the account on XXXX website and certified mailed letters regarding FCRA Section 605B. They are handling this request as a common dispute and had no urgency in complying with the law. 



Thank you for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2017 about Debt collection (Credit card debt) with CL HOLDINGS LLC (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On or about XXXX/XXXX/XXXX, I received in my home mailbox a bill addressed to me from something called Jefferson Capital Systems , LLC. 

It said their " client '' was willing to accept {$950.00} on a debt I owe of {$2300.00}. 

It offered " convenient '' ways to pay various amounts via credit card or check. 

I called the toll-free number on the document. The person said he could not " access ( my ) account '' unless I gave the last four digits of my Social Security number. 

I refused and suggested to the young man that he seek honorable employment. 

What happens when these people send bills to some of the many Americans - many of them low-income - who simply pay whatever bills they receive in the mail?. 

I hope you will prosecute the people responsible for this operation to the fullest extent of the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/15/2015 about Credit card () with SYNCHRONY FINANCIAL (TX).
Issue: Credit determination

Complaint: talked to lady from XXXX rewards credit card and nothing got done and never got the XXXX like they told me that they were going to give me I am thinking about closing this account because they lied to as a bank an the lady that reviewed my case never even got with me after I had called her bank very bad bank and I do n't recommend it to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I took out a refinance loan from XXXX XXXX XXXX ( XXXX ) to pay off two of five of my federal direct student loans serviced by Navient. The loan was funded on XX/XX/XXXX, and Navient indicates the payment was processed on XX/XX/XXXX. The payment from XXXX to Navient was made via wire transfer, with explicit instructions on which loans the payments were intended for. Navient applied the payment across all loans on XX/XX/XXXX. I called XXXX to confirm the payment was sent to Navient with those instructions on XX/XX/XXXX, and they confirmed this. I called Navient to rectify this on XX/XX/XXXX, and they claimed they would now apply the payment to the correct loans. The payment was applied to the correct loans, loans XXXX and XXXX were considered fully paid off as of XX/XX/XXXX, and a refund of {$110.00} was issued to me for the amount of the principal my normal monthly payment reduced the refinanced loans by. Loan XXXX is now currently showing a balance of {$79.00}, and {$26.00} of my XX/XX/XXXX payment was applied to loan XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2018 about Mortgage (VA mortgage) with JPMORGAN CHASE & CO. (IL).
Issue: Struggling to pay mortgage

Complaint: I submitted a new offer in XXXX with zero response and the foreclosure is XX/XX/XXXX-18. This house has been marketed since last XX/XX/XXXX and I have already spent XXXX of my money to market this home. The problem is that no one can afford the XXXX taxes which is XXXX a month in just taxes. I beg you to please consider this offer so we can close in 30 days and just cut our loses at this point. If the house goes foreclosure it is going to sit there vacant for another 2 years.

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
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 've been trying to fix multiple errors on my reports, to no avail.my proof of the error carries less weight than the creditors word. XXXX XXXX XXXX XXXX XXXX ca, XXXX, is the collection agency that is insisting they are correct, when they 're not. My XXXX XXXX XXXX is a XXXX # XXXX corporation number. We wrote a check to by advertisor, just before I had a XXXX XXXX and was forced to close my XXXX. I should have been protected under my corporation. They will not show me a copy of the check, so I can prove my point.the 3 credit reporting agencies, do n't want to here the truth, or fix it.

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 02/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT).
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 disputed several items on my credit report XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX and XXXX from XXXX   and transunion and sent validation letter and never received proof but was updated on my credit file as verified it's been about 6 month on going that I've been requesting verification and never did anything over 30 days has to be removed off my 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 explanation
Consumer complaint received 11-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CO).
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 been filing complaints with XXXX for almost two and a half years now Ombudsman group mandated that they remove all payment history prior to XXXX XXXX XXXX to XXXX due to my bankruptcy Chapter XXXX they still have not remove payment histories from the accounting XXXX when I call two weeks ago they stated they see the ongoing problem but somebody has dropped the ball and that 's why it 's still not rectified they stated that they would contact me back within 7 days at which point the proper department will take care of this again and it still has not been done so payment histories from a closed account is still showing up negative on my credit bureau as well as the fact that they have it looking as if there 's five different student loans on my credit report when he won in XXXX was discharged and was requested to be removed and the ones from XXXX were Consolidated and they refused to fix this as well so it in case I have 5 student loans when I do n't

Company response to consumer: Closed with explanation