milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-04-2016 about Bank account or service (Savings account) with SYNCHRONY FINANCIAL (NY).
Issue: Account opening, closing, or management

Complaint: I opened an account with Synchrony financial and they charged a activation fee for my new account. I called about taking out a loan with them first and asked about an activation fee and the customer service gentleman said that there was no activation fees

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 04-03-2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: *** This is not a Duplicate ***My mortgage company lack of security allowed my tenant ( XXXX XXXX ) to compromise my account and cause harm to me and my credit. She was able to gain authorization over my account and changed the contact information and went delinquent. I was n't notified because the contact information was changed. This was all done without my awareness or consent to account XXXX and XXXX on XXXX XXXX XXXX. I have taken actions to correct my part, but I need to have the harm caused to me removed from my credit file. 

I have sent the following proofs of fraud on my account to Experian and they responded with ; that they will not block the subject submitted from my credit file. 

Compromising my account and taking actions as if they were me is a clear case of fraud, and according to the FCRA, fraud should not be reported. 
Attached : - XXXX police reports by my tenant- XXXX court cases of my taking legal actions to correct my situation- a forfeit letter written by my tenant. ( if you see the phone number on the letter, it 's my tenants cell phone number ) - XXXX letters of me escalating to my mortgage company to correct my account and also to secure my account ( XXXX have been a failure )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I was not certain what category to choose, as the accounts on my credit are XXXX different ones. I have a late payments on my report that are unverified and the bureaus have not conducted a proper investigation. If they had, these late payments would have come off as I was never late on these accounts. I am not receiving proper correspondence from the bureaus and at no time have I received proof of late payments reporting on my credit file. My right to demand this is pursuant to section XXXX of the FCRA as well as XXXX where they must legally verify with proof of immediately remove. I continue to receive documentation stating that I must go straight to the creditor because this has been " verified '', when in fact, the bureaus have the responsibility of doing this and can not put the burden on me. See XXXX XXXX TRANSUNION. If I have to, I will sue them, but if they did their job, they would see that this is inaccurate and must be removed. According to Congress, the bureaus MUST verify that the information on my report is accurate, and must go beyond the original source of information once I notify them that this is inaccurate. They have not done so, and I can prove that I have notified them multiple times.

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 07/13/2015 about Consumer Loan (Vehicle loan) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Problems when you are unable to pay

Complaint: My car was missing on Saturday ( XXXX/XXXX/2015 ), therefore call Bank of America 's Loan department for explanation and I spoke to XXXX. I gave her the account number and she told me that it was not on the repossess list to call the police. I explained to her it should n't be however I want her to double check because I want to avoid filing a false police report. She placed me on hold while she spoke to a supervisor. She explained to me my car was repossessed in error. She told me only cars that are 90days passed due are repossessed. The way she explained was similar to my understanding. She gave me a number to call on Monday since the repossession department was closed on the weekend. She assured me I would not have any issues picking my car up on Monday. I called the number XXXX ( Repo Dept. ) and they were rude and dismissive. So I called the auto loan department for help three times and they transferred me back to XXXX against my wishes. I spoke to XXXX, XXXX and XXXX at the repo dept. and they both denied I even called on Saturday. However I am aware that a large bank such as Bank of America likely keeps call copy and a record of customer calls. They continued to insist I pay the repo fee of {$400.00} and additional fees that added up to {$750.00}, which is unfair because XXXX on Saturday and per the term of the loan agreement my car was repossessed in error. My card should be released to me immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2018 about Debt collection (Credit card debt) with CITIBANK, N.A. (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: XXXX XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX   XXXX California XXXX XX/XX/2018 THE HOME DEPOT/XXXX XXXX XXXX  XXXX XXXX XXXX, SD XXXX XXXX HOME DEPOTXXXX Account Number : XXXX Balance : {$720.00} SSN : XXXX DOB : XX/XX/XXXX To Whom It May Concern : HOME DEPOT/XXXX I would like to make arrangements to settle the above referenced matter. 


Please provide me with your statement of the amount owing as of ( XX/XX/2018), together with your assurance that you will accept payment in direct and immediate exchange for the original instrument of indebtedness in its original form. 



Thank you very much. 


XXXX XXXX XXXX, XXXX Without Prejudice UCC 1-308 )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2017 about Debt collection (Credit card) with Resurgent Capital Services L.P. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The above company LVNV Funding , LLC they are trying to collect a debt and are not licensed nor bonded in my state according to state of Florida.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Student loan (Federal student loan servicing) with SLM CORPORATION (AR).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: On XX/XX/2018 I submitted {$5000.00} as payoff on one of my daughter 's student loans. In the process of submitting the payment, their website locked up. I re-entered the information and submitted again. On the second submission, I received a confirmation number. The next morning I checked my bank statement and realized the money come out of my account twice. 

I contacted Sallie Mae immediately and they confirmed that they received the payment twice and I had a credit balance of {$5000.00}. They informed me that I needed to email them proof that the money had come out of my account twice and to explain what happened. I did so immediately. They informed me they would expedite the request since it was such a large amount. 

I waited a few days and still had not received my money back. I called Sallie Mae again for a second time and they informed me that it could be 7-10 business days before I got my money back which would have been Thursday, XX/XX/XXXX. I waited until Friday, XX/XX/XXXX and called them back for the third time. I went through the whole process again. She again, for the third time, confirmed they had my money and yes it was due to me ; however, 10 business days would be Tuesday,XX/XX/XXXX.

I still do not have the {$5000.00} in my account and it has caused a financial hardship on me. I know in the banking world, they have 48 hours to credit your money back. Why is Sallie Mae allowed to keep my money for 14 days and still counting? Who regulates them? Is this legal?

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On or about  XXXX   XXXX ,  XXXX ,  XXXX   XXXX   COLLEGE  OPENED A STUDENT LOAN ACCOUNT WITHOUT MY AUTHORIZATION. I ATTENDED THE SCHOOL FROM  XXXX  THROUGH THE  XXXX  OF  XXXX . I WAS NOT ATTENDING THE SCHOOL IN  XXXX   XXXX .     THE DEPARTMENT OF EDUCATION HAS NOW AUTHORIZED PAYMENT DEFERREDMENT. HOWEVER, I NEVER ASKED FOR A DEFERRAL.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OH).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I called Navient in order to apply for a income based deferment on the loans that they are servicing. While on the phone I inquired about the Public Service Forgiveness programs offered by the government. The agent on the line started asking me a serious of verification questions and the next thing I know I am getting an email stating that my FSA ID password had been reset. As things continued she then informed that there is a {$690.00} fee to enter into the program. Which I know to not be true as the program is free to enter for those that qualify. The agent had told me she was checking in the Fed database to see what my loan amounts were and what my payments in that program would be, but she never told me that she was resetting my actual account password so that she could enter my account. Now she continues to call me at all hours of the day trying to get me to apply for he program through Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I was shocked when I reviewed my credit report and found several late payments on my student loans with the dates below : Account Number : XXXX 120 days past due as of XX/XX/2010 90 days past due as of XX/XX/2010, XX/XX/2010 Account Number : XXXX 120 days past due as of XX/XX/2010 90 days past due as of XX/XX/2010 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that this was supposed to be in deferment and it did not get processed correctly or the payments I sent in were not registered.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2015 about Debt collection (I do not know) with The Receivable Management Services Corporation (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have received numerous collection letters in the past year. The letters indicate that I owed XXXX XXXX of California that they turned over to a debt collection service. I have contacted XXXX XXXX of California several times and have been told that my record is clear and there was nothing turned over to a debt collection agency. 

I have tried calling the number on the letter ( XXXX ) XXXX and have never been able to speak to anyone as it simply rings and no one answers. 

The letters come from several different addresses and the format of the letter often differs. It is almost like the communication is being cycled through different processes to make it appear it is being escalated. I have even received a letter that had an envelope which was blank including no return address and asked in the letter to write in the return address shown on the letter. 

I am convinced this is a scam

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/30/2018 about Debt collection (Private student loan debt) with Key 2 Recovery, Inc. (MI).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I was working with XXXX XXXX XXXX on a XXXX student loan debt. I asked if they would not contact me until after XXXX an calls still came at anytime almost everyday leaving a voicemail everyday. I spoke with a manager today day who said if I dont work worth them I will have a problem which is very threatening.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2015 about Credit reporting () with SECURITY FINANCE CORP (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Security Finance XXXX of Missouri should be taken off my report. They were closed in 2007. They XXXX say closed but yet it shows open on XXXX of them. I do have credit with XXXX 's XXXX, XXXX and XXXX, XXXX 's and XXXX door and have pad off early and always on time. When I try to get my credit report through XXXX none of my info matches. I was notified by Illinois XXXX that a person in XXXX has stolen my identity. I have been to the local police and contacted social security about this with no resolve. The person goes by XXXX ( not sure of correct spelling ) and her info is on my credit reports. She has used my ss # to get a job with a temp service in XXXX. She has not filed taxes on her income or it would show on my social security and I am XXXX. If taxes were ever filed, I could be in big trouble and lose my XXXX and have to repay my income because of this person. I would really love to get these issues solved and get my credit where it should be. I also have a judgement against me from XXXX XXXX that was discharged on a bankruptcy and my lawyer told me not to show up in court. This happened in a XXXX Missouri court and now is on my credit report. I would love to get this mess cleared up. Thank you for your time. This person owns a home and has credit cards. I do n't get that priviledge because my credit shows up as poor, while this foreigner who is probably here illegally is enjoying what is rightfully mine! 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX agreed to delete this collections off of my report. This has not been done by Transunion. Enclosed is the letter.

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 09-02-2017 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I Were contact by this collection agency XXXX XXXX XXXX XXXX XXXX about a debt that Were place in there office from the original creditor Captail one credit card per the collection promise if i settle this account With them in they dept they Would update all information and report to the account Was settleand to have account remove from my credit report so i paid the settlement offer With collection agency so futher more i check my credit report and they did not do anything that they promise me so With that been said the collection agency i paid Were not on my credit report so the credit bureau Would not accept my dispute do to the original creditor still report on my credit When they sent my account over to this collection and refused to accept information from What the collection advise me What going happen once i paid them not only the original creditor refused to remove account off my report they are also report inaccurate information on payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I filed a complaint stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concern no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2017 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: Since XX/XX/2016 ( almost 6 months ) I have been submitting disputes with Experian regarding XXXX on my credit report. 
Experian keeps sending me letters that they are investigating and reinvestigating these disputes. 
The company ( XXXX ) has failed to provide a verification of debt, failed to provide a Statement of Debt charge off statement. Yet Experian does nothing except keep " investigating the investigation ''. 
In the meantime I am humiliated by credit denials.

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 09/14/2015 about Debt collection (Credit card) with William C. Grossman Law, PLLC. (NY).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: the law office of William C. Grossman is collecting a credit card debt that I do owe and I had made payment arrangements of {$10.00} a month I have not made my XXXX payment so they called my wife who is not on the loan and I did not give the attorney authorization to talk to anyone about the loan and they discussed my mortgage how long I have left on it in a threatening way she did tell them that she was not on the loan and did n't want to discuss it and they kept forcing the issue this is in violation of FDCPA they had no right to talk to her or anyone about it

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2016 about Bank account or service (Other bank product/service) with WEBSTER BANK, NATIONAL ASSOCIATION (FL).
Issue: Account opening, closing, or management

Complaint: I received a XXXX tax document ( showing a gross distribution of {$120.00} ) from 'HSA Bank , a division of Webster Bank , N.A. '. I do not remember having an HSA account there. When I try to access 'the account ' on their website, it says " user not found ''. I called up and the client representative also could not locate my account. Can someone responsible from the bank clarify if I have an HSA account with the bank or not?

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS).
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 previously sent letters requesting verification of debt to XXXX XXXX XXXX in XXXX, TN immediately after noticing the new collection on my account. XXXX XXXX XXXX sent me copies of bills with procedures performed with my maiden name, XXXX XXXX, and my birthday, which I have not used since 2010. I also had to give them my address because the address that they had on file was not mine. I made copies of these letters and sent them to Transunion with a letter explaining that the bills did not belong to me. To begin, the bills that were sent did not have my signature, a name that I actively use nor an address that I actively use. Furthermore, I was insured when the bill was incurred. I requested that Transunion send me the documentation that was sent that convinced them to verify the debt. Transunion responded by telling me that they could not and to speak with the company directly, which I have done for almost two years now. XXXX and XXXX  was unable to verify the collection so it was immediately removed. However, Transunion refuses to remove incorrect information from my credit report. I will seek legal action if this issue can not be resolved.

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 05/19/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint: I was a loyal customer of  Wells Fargo (    which I foundly remember as  XXXX  ) for almost  XXXX  decades. I had been experiencing some issues with my account being overdrawn and tried to contact  Wells Fargo  on numerous occasions via telephone, on my online account, via email and even in person at the local branch but, to no avail. As a result, my account was closed because of their failure to get back to me in a timely manner to resolve the problem. I relied heavily on my online account with  Wells Fargo  to keep track of my finances and I must say that I have been very inconvenienced by their lack of support in helping me resolve this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2015 about Debt collection (I do not know) with EOS Holdings, Inc. (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY! This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company!

Company response to consumer: Closed with explanation