milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/25/2015 about Bank account or service (Checking account) with SYNCHRONY FINANCIAL (NY).
Issue: Account opening, closing, or management

Complaint: I received a phone call at XXXX from XXXX at XXXX XXXX regarding my dispute with XXXX XXXX XXXX for {$2900.00}. He stated that due to my signing a XXXX XXXX with XXXX XXXX XXXX in which they were supposed to reimburse me {$2900.00} via certified which I never received they could not help me. Please be advised I did not receive the monies specified. Which has brought me to this point. My credit card company states they will not refund my money, I actually sent them documented proof that I did not receive the checks. In their responses they provided a contract which I admitted to signing and checks that have never been cashed, which proves nothing. Please advise my credit card company under the Federal Truth in Lending Act ( TILA ) and Regulation Z, I have ONE YEAR to file a non-billing error type dispute. Every other credit card and debit card holder has refunded my money. This is simply a claim of service not as described which can still be disputed. Please help me advise the credit card company they should open the investigation and issue a credit.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CT).
Issue: Deposits and withdrawals

Complaint: On Friday, XX/XX/XXXX I deposited a check into my checking account. The check was issued from Chase Bank. On Wednesday, XX/XX/XXXX, I received a call from my bank informing me that Chase would be putting a hold on releasing any funds from the check for 10 days. Is it legal to wait 4 days before informing someone that you will be holding their check for 10 days? Also, it was not made clear to me whether the hold for 10 days would be in addition to the 4 days that the funds have already been witheld. I have also not been informed if this would be 10 business days or 10 concurrent days. I have no desired resolution other than if this is not legal, then I would like to request that it be investigated by the appropriate authorities.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2016 about Bank account or service (Checking account) with BB&T CORPORATION (AL).
Issue: Using a debit or ATM card

Complaint: BB & T offers through their new U by BBT app BB & T deals. I have activated and used many of these deals without any trouble. I just activate the deal in the app, make a purchase with my BBT checkcard, and then it shows up as a pending reward to be deposited into our checking account. The are then deposited the following month. In XXXX of this year, BBT had a deal for 10 % back on stays at XXXX XXXX when paid using your BBT checkcard. I booked a stay at the XXXX XXXX in XXXX, AL, through the link in the U deal offer. The offer also says you must be a member of XXXX XXXX, which I am. Travel was to be completed by XXXX XXXX, which it was. The purchase was paid with our BBT checkcard, and posted under the item " XXXX XXXX XXXX '' on XXXX for {$280.00}. This would mean a deal valued at {$28.00} which we should have recieved from BBT. I waited and it did not show as a pending reward, which I thought may have to do with the fact that travel is completed by XXXX XXXX. So, I waited until after this date and still no pending reward shown. Thus, I reached out to BBT. I work for a competing bank which offers a similiar program and I know that when this occurrs a customer can contact the bank and have the item researched and manually applied if applicable. In fact, based on the deals seen, I think BBT may utilize the same third party for the deals program that my employer uses. I called the customer service line and I was told I had to contact XXXX directly, because they are responsible for paying the reward. I knew immediately this was incorrect however I called XXXX and they had no idea what I was talking about. I also emailed BBT customer service several times and after a lengthy delay got a response basically telling me to call customer service. I then called the local branch in XXXX, AL, and spoke with XXXX who told me he was going to research the issue and get back to me. A few weeks passed and I heard nothing, so I called him back and he told me he did not know anything about the deals program but that he had escalated the issue and I would be getting a call from BBT corporate on the issue. I never heard back from BBT corporate. I then got another reply to a previously sent email communication to BBT which indicated I should call BBT online technical customer service, which I did. At first, the agent also did not know what to do, but eventually told me she was escalating the issue and I would hear back in 48 hours. That has been a month now and still no calls back from BBT corporate or cash rewards. Thus, I am left with no choice but to now turn to CFPB as it seems like no one at BBT knows how the deals program works or how to research a missing credit which I am due.

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 12/16/2017 about Checking or savings account (Checking account) with VALLEY NATIONAL BANCORP (FL).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: XXXX XXXX XXXX made unauthorized debits from bank account from XXXX XXXX to XXXX XXXX for a total amount of {$31000.00}. The bank was notified and requested immediate investigation and action, to stop this company to withdraw/debit money from account, and immediately close account and associated debit card. XXXX XXXX XXXX company was notified of the unauthorized multiple debits from bank account and to stop withdrawing money from this account ; and to refund immediately the total amount of {$31000.00} for unauthorized debits to bank account performed by this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 11-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Experian and XXXX are continuing to report duplicate account that have been paid in full and should not show on my credit report.

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 01/16/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with I.Q. DATA INTERNATIONAL, INC. (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: The final billing from the vendor ( XXXX DBA XXXX ) for utilities related to a lease agreement did not include validation of the amounts billed as related to administrative fees and proportional billing method ( no individual meter per unit ). The bill included charges for service for administrative fees and for a billing period after possession had been transferred. 

Information was requested for validation and not responded to in a method that could validate the amounts. The vendor was repeatedly asked for validation and clarification ( for which email documentation exists ) and would not provide, but sent the bill to collections. The billing included amounts accumulated for additional fees and amounts that not disclosed in the lease agreement and therefore not allowed according to the revised statutes of AZ. Also, the billing included charges for utilities after possession of the unit had been transferred back to XXXX. XXXX was requested to adjust the billed amount accordingly. Rather than adjusting, they sent the bill for collections. 

The lease agreement was for the period of XX/XX/XXXX to XX/XX/XXXX. Possession of the unit was transferred back to XXXX on XX/XX/XXXX and electric utilities were stopped ( included for information but not related to billing ). XXXX began renovation of the unit ( XXXX ) immediately and were utilizing utilities. 

My repeated attempts to clarify and obtain an accurate bill amount were not fruitful. 

The final billing was {$66.00} of which {$36.00} was for the period of XX/XX/XXXX to XX/XX/XXXX ( this period was after transfer of property back to XXXX ). Also, during the term the billed amounts included a administrative fee of {$3.00} per month for 11 months : {$38.00}. ( this amount was not disclosed in the lease contract so, by law not valid ). 

If both charges are invalid, the amount owing is $ XXXX If the Admin fee is valid but the final month not valid, the amount owed is {$30.00}. 
If the final month is valid, but the admin fee not valid, the amount owing is {$28.00}. 

As stated in my communication, paying the correct amount is not the issues, but having XXXX provide an accurate billing with proper disclosure of calculation and validation is. 

Thank you for any assistance you can provide.

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 03/14/2017 about Bank account or service (Other bank product/service) with KEYCORP (WA).
Issue: Account opening, closing, or management

Complaint: 1. Checking account was opened in XX/XX/XXXX for a student with parent on the account. 

2. XXXX protection was added to cover overdrafts. We do remember that money was transferred from this checking account to a place called XXXX. 

3. In XX/XX/XXXX we inquired about this " XXXX '' account that we saw on online banking that totaled about XXXX. Key Bank at the XXXX, WA branch stated " it 's your money '' and we withdrew that amount. This " reserve '' account was not closed. 

4. In XX/XX/XXXX a 'XXXX ' account was activated. However my credit report indicates this was opened XX/XX/XXXX. Key can not provide documentation stating they have records dating back 7 years only. 

5. We were unaware of any change from whatever was overdraft protection prior to XX/XX/XXXX since the process appeared the same, i.e. money was transferred from checking to an account for overdraft protection. Key Bank can not provide documentation of this and denies there ever was a cash reserve account. Key states that this account was approved by either myself or other account holder over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: In XXXX of 2017 when I moved out of my previous address I started getting major identity theft and someone using my identity and applying multiple times everyday for Banks and car loans and continued to use my information and insisted to not stop till I put an end to it and called the credit bureaus and one out of 3 was able to kindly assist me and remove all hard inquiries that brought up to almost 90 and now down to 30 but the other bureaus are giving me a hard time to remove them after months later and its affecting me and building my credit score and in the future to get a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (CA).
Issue: Problems when you are unable to pay

Complaint: They repossessed my car when the payment was only two days late. When I contacted them I was told they sold it. They never once sent me any notices or gave me the right to cure. Generally, the secured creditor must give the consumer the right to reinstate. ( Cal. Civil Code XXXX ) The finance company must provide notice to the consumer of its intent, ( Notice of Intent ) to dispose ( resell ) the vehicle within 60 days of the repossession and at least 15 days prior to resale ( 20 days if the notice is coming from out of state ). The ( Notice of Intent ) must contain all the disclosures required by Cal. Civil Code XXXX ( XXXX ) ( XXXX ). Among the disclosures required is the consumer 's right to 'redeem ' by paying the balance of the loan. Strict compliance is required with these requirements : if the secured creditor fails to strictly comply, it will be absolutely barred from collecting any deficiency. XXXX ( XXXX XXXX, CA ) wanted $ XXXX to return my personal belongings. Repo men have a duty under Bus. & Prof. Code XXXX to provide notice to the consumers that they have this property prior to disposing of it. Although there is no private right of action under the B & P Code sections, consumers could seek compensation through the Unfair Competition Law, Bus. & Prof. Code XXXX et seq. Disposing of the property could also constitute a violation of the Rosenthal Act. In fact I have received nothing from them at all not even one phone call. Yet the OMV contacted me saying the registration has been suspended cause I did n't pay my car insurance. The car in fact is still registered to me. 
Also all my paperwork for the loan was in the glove box and they have deactivated online access to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2016 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: I reached out to my mortgage company Ocwen Loan Servicing in XXXX regarding a hardship we were suffering..My husband has XXXX and does XXXX at home and is in the process of getting a XXXX from myself ... Sadly he was let go of his job in XXXX..I contacted them asking to help lower our mortgage payments temporary until we get on our feed and they kept on losing my papers that they requested and kept on wasting months of time to denie helping us ... I mailed them my XXXX mortage 14 days ago and it is not cashed ... they have done this to us before to cause us to fall further behind ... I have emailed them many times and getting no answers ... .I need someone to find out where my mortgage payment is and to deposit it ... .I have never dealt with such incompetent people than this company ... We are living on my husband 's unemployment and paying for our XXXX insurance so he can get his XXXX next month and they will not help us..If you look into this mortgage company you will see how many mass lawsuits have been against them from causing people to lose their homes..

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2015 about Bank account or service (Other bank product/service) with SYNCHRONY FINANCIAL (CA).
Issue: Account opening, closing, or management

Complaint: Synchrony Bank began to erroneously charge me a fee on my XXXX XXXX account last XXXX. Despite spending hours on the phone multiple times with them, they continued to do so month after month. I finally closed the account a few weeks ago and still have not received a check for the amount in the account. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2016 about Debt collection (Medical) with CMRE Financial Services, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I was once admitted to hospital for 2-3 hrs only and the hospital bill was mailed to my home address. Unfortunately, i did n't get the mail and missed the bill. By the time i inquired about the charges from hospital, they 'd already sent the amount of {$100.00} to collections ( CMRE, XXXX ). And then without any further delay, i paid the debt in full. Now everything is settled down and my credit report still shows the account is open though balance is {$0.00} ( paid in full ). As a result, any attempt made by any agency for credit check approval, it fails. I 'm being affected by this wrong Account-Type = " Open '', which is reflecting on my credit history. 
I 've spoken to XXXX and CMRE Financial services but in vain.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2017 about Bank account or service (Other bank product/service) with Alliance Data Card Services (FL).
Issue: Account opening, closing, or management

Complaint: XXXX/Comenity Bank charges fees on fees!! 
I hold a XXXX credit card through Comenity Bank. I was charged a late fee when I paid off my full balance two days late. Although the payment made two days late was my oversight, that late fee was subsequently reversed, and as I paid my balance in full I was not expecting any further payments due. However, unbeknownst to me there were XXXX additional late fees charged as well as interest because of the initial late fee. There were no additional purchases made and the balance outstanding on the account was all fees and fees charged on top of fees. I spoke to a representative named " XXXX '' Id # XXXX and she was unwilling to remove the fees. I hope the principle of charging fees on fees is not one that XXXX nor Comenity bank condones. The amount is negligible, but the practice of charging fees on top of fees is reprehensible. I enjoy shopping at XXXX, and I hope this matter can be addressed expeditiously to keep me as a loyal customer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01-10-2017 about Debt collection (Medical) with Medical Data Systems, Inc. (NM).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This is the third time I have filed a complaint against Medical Data Systems , Inc . It is frustrating to say the least that you never answer any of my questions. I understand the debt was sold to you but you should have a way to find out information about the debt in a timely matter. I 'm not sure how many times I am going to have to do this until I get a straight answer. Medical Data Systems XXXX Inc. is reporting negative information on my credit report that is incorrect. I was billed for a service from XXXX. I provided XXXX numerous times with my insurance information. I have talked to my insurance company and they have confirmed that the claim should have been filed with them. The claim was never filed. Every claim that has been submitted has been approved. I have confirmed this both with XXXX as well as with XXXX. They have not received any claims from XXXX for this bill. XXXX did not do their job correctly by not knowing how to bill insurance companies correctly. Now my credit is suffering because of someone not being able to do their job right. I am demanding that the debt be erased or charged/claimed to the insurance company. Also this was before I was married, my maiden name is XXXX. Again, I need this removed from my credit and the debt to be taken care of with the insurance company. I was not liable for this payment. I had full coverage medical insurance that should have taken care of this bill when it was created. Medical Data Systems XXXX Inc. has been the worst company I have dealt with. This is not the only XXXX I had to get taken care of this is XXXX of XXXX that I had to complain to and provide my insurance information to. The rest of the companies were able to verify my insurance and get rid of the negative reports on my credit report. IN A TIMELY MATTER. Until this is fixed I will continue to file complaints via CFPB because this is wrong on so many levels. I can not afford to pay for this bill and I have to suffer credit wise because of something that should have been paid by my insurance company.

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 12/17/2015 about Student loan (Non-federal student loan) with Earnest Inc. (NJ).
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint: I applied to have my student loan refinanced with " Earnest '' and the company quoted me at a rate of ~5.2 %, but when the loan was approved the rate was increased to 6.86 % with not explanation even though I have an " Excellent '' credit score. And when I asked the representative to investigate why the rate changed she said she would check with the underwriting department and get back to me. That was two weeks ago and now she is ignoring me. This is a classic example of " bait & switch. ''

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2016 about Mortgage (Other mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (IN).
Issue: Loan servicing, payments, escrow account

Complaint: Carrington Mortgage states they paid our taxes in our escrow like it was set up, but they did not do so. The money was removed and never given to the tax office to pay our XXXX tax office. We have traced them back to taking the money and never writing a check through their tax office. We have a man named XXXX XXXX who told XXXX never received the funds to begin with and that is why it did n't get paid. These are our fall taxes!!! They continue to tell us they are going to handle our dispute since XXXX/XXXX/XXXX and as of today has again told us it would be resolved by XXXX/XXXX/XXXX. The office talks over us and we can not get a manager or supervisor due to the person always stating " we ca n't do that '' and when we want them to find the money with our parcel number they state " they ca n't do that for us becausewe are in a dispute. '' We would like to have the theft of our tax money from our eacrow resolved. We had our escrow put in the negative by {$4.00} immediately upon this company taking over our mortgage and them taking our house payment up {$50.00} after it switched from XXXX. We are having this company steal our money and refuse to right!

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (LA).
Issue: Loan servicing, payments, escrow account

Complaint: my parents are both deceased. they left house behind and the house still has a mortgage. my XXXX sisters were living in the house and were not paying the mortgage. I called Ocwen after my XXXX sisters moved out the house. I was advised by Ocwen that if I paid the back notes the mortgage monthly note would still be {$480.00}. Ocwen advised me to file for a loan modification and while waiting for a decision from the loan modification I did n't have to pay the monthly note. They would add the months to the mortgage end date. I was denied three times. Each time Ocwen kept telling me to apply again. Well, XXXX months went by and me and my family are living in the house. So Ocwen offers me a re-payment plan two days before the Sheriff sale. Of course I adhered to the offer. Heres the offer : {$7000.00} down payment and 11 payments of {$1500.00} and then everything would be caught up and the note would go back to {$480.00} per month. Now Ocwen is claiming that I owe them {$2700.00} in fees and other cost .... and the new monthly note is {$1200.00} Ocwen are scam artist. Please advise me of what to do.

Company response to consumer: Closed with explanation