milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/21/2015 about Bank account or service (Other bank product/service) with SYNCHRONY FINANCIAL (OH).
Issue: Making/receiving payments, sending money

Complaint: For many months now I have received automated calls to my number XXXX, often twice daily from the Synchrony Bank requesting contact with XXXX XXXX. I am not XXXX XXXX, I do n't know anyone by that name. XXXX XXXX has never lived on my address. I received my phone number about two years ago from XXXX XXXX XXXX Apparently it was a " recycled '' number and may at XXXX time have been the number for the XXXX family ; I also received many other calls intended for various members of the XXXX family, but the Synchrony Bank calls are the most annoying ones. My attempts to discuss the matter with Synchrony Bank have failed because when I respond to a call, the automated response asks me for the account number or other identifying info. which I, of course, do not have. When I called the main number and finally was able to speak to a live person, I was transferred to XXXX different departments and finally to the " Fraud Department ''. The connection with the " Fraud Department '' was so bad that I could not understand them and they could not understand me. At one point I was told that I have XXXX accounts with the Bank. I tried unsuccessfully to inform them that I have never had any account or any other dealings with Synchrony Bank. I also have tried call blocking through XXXX which gave me relief for XXXX short time but then the Bank apparently switched to another number from which to call me. So, the calls continue. I would greatly appreciate if you could communicate with the bank in my behalf. I am XXXX years old, have an outstanding credit record and feel I am being harassed by Synchrony Bank. My assumption that Synchrony Bank would eventually recognize that these calls are fruitless for them was mistaken.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-09-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CITIBANK, N.A. (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I am receiving calls asking to pay a account was Charge Off. 
Company is making threats to go to my house with attorney to go to court. 
They say they will take money from my bank account, If I do not pay XXXX payment with full balance. 

I request prove validating the account I was never informed account was sold.

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 11/22/2016 about Debt collection (Medical) with Revenue Assurance Professionals LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was contacted by Consolidated Recovery Systems regarding a billing for which I had no knowledge. When I inquired, they stated it was a debt to XXXX XXXX XXXX XXXX. I had never received a copy of the bill. I requested they provide one. The bill they sent included my name but a random address unrelated to me and did not include any details for the billing. I instructed Consolidated Recovery Systems to stop contacting me. I called and wrote XXXX XXXX XXXX XXXX requesting a detailed bill and providing my correct address. They have not responded, but Consolidated Recovery System continues to violate my instructions by calling and attempting to collect a debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2015 about Credit card () with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Billing statement

Complaint: XXXX NOT PROVIDING ME THE STATEMENTS TO JUSTIFY THEIR CLAIM.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 about Debt collection (Other debt) with Transfinancial Companies, Inc (LA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I do not recognize this account, and have submitted over and over for proof that I indeed consented to this account. Not once, has anyone taken into consideration what I am saying and have verified indeed that this is wrongfully reported onto my consumer report. I would like to be provided proof I consented to this account via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no irrefutable evidence, proof that I in fact was the one seeking to obtain a line of credit and the creditor had a permissible purpose to in fact and legally obtain my credit file information after a positive identity verification, immediately of any or one, I would like it removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 11/26/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Blakely-Witt and Associates, Inc. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I called Blakely and Witt on XXXX XXXX, 2016 and spoke to XXXX XXXX XXXX about an account that was on my credit and asked to settle the debt. He responded that they could not take my settlement amount. So I responded with what can you settle with, XXXX XXXX responded with an amount higher than the original debt amount. I asked XXXX XXXX why is it that the Original debt is lower than what you are asking for, XXXX XXXX responded with " Because you signed documents stating that their company can add interest to the original debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (TX).
Issue: Closing an account
Sub-issue: Can't close your account

Complaint: I attempted to close m y Wells Fargo checki ng account on  XXXX   XXXX ,    2017, in  writing, via their online messaging system. I received a reply stating my account was on hold and I would need to call Customer Service to cancel the account. I called  Wells Fargo  Customer Service on  XXXX   XXXX ,    2017,   XXXX  CDT to close the account and was told by Representative   XXXX    XXXX  ext  XXXX  that I would have to go into a  Wells Fargo Branch to  close the account.     I refuse to go into a  Wells Fargo Branch, d ue to the unprofessional interaction I had a month ago with the Teller  Manager  at th e Wells Fargo Branc  h    XXXX   XXXX    XXXX   XXXX , TX  XXXX  . Wells Fargo has  also begun charging a $   XXXX   monthly fee which I refuse to pay going forward. The fee was assessed on  XXXX   XXXX ,  2017, I initial ly requested this account closed on  XXXX   XXXX ,  2017.           XXXX   XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 12/16/2016 about Debt collection (Credit card) with Resurgent Capital Services L.P. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Company is reporting multiple accounts on the same dept that ca n't be verified

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Debt collection (Medical debt) with Professional Recovery Management (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: XXXX XXXX est. Thursday, XXXX XXXX, 2017 I contact Fox Collection Center via phone and email in reference to an allege debit owed to XXXX XXXX and XXXX XXXX in the amount of {$72.00}. I spoke with XXXX. XXXX XXXX I inform her that I had email Fox Collection Center and XXXX XXXX  and XXXX XXXX a Pay for Delete contract agreeing to pay the alleged debit in full. During the conversation I informed XXXX. XXXX XXXX that I had spoke with the billing department of XXXX XXXX and XXXX XXXX just prior to speaking with her, I inform her that XXXX XXXX and XXXX XXXX had a copy of the pay for delete contract and that XXXX XXXX  and XXXX XXXX was fine with the contract but said I would have to go thru Fox Collection Center to pay the alleged debit because that they are using Fox Collection center to collect the alleged debit. XXXX. XXXX XXXX replied that Fox Collection Center would not review the Pay for Delete contract Nor accept my payment in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: My federal subsidized and unsubsidized loans were held by Navient. In XXXX, I filed for bankruptcy ( first Chapter XXXX, which was later converted to Chapter XXXX ). XXXX XXXX was notified properly by my attorney. I was told by my attorney as well as bankruptcy trustee that while the loans could not be discharged, they were protected against any term changes, default or late penalties. My loans were transferred to a debt collector agency instead without a notification to me. Subsequently, without any consent or agreement by me or my attorney, XXXX XXXX/Navient consolidated my loans. In spite of multiple inquiries and request to XXXX XXXX, I was not provided with regular statements or even access to the details of my loans. I opted to continue regular payments to my student loans at will, and at a guess of what minimum payment would be, because that critical information was also withheld from me. I also had no information about how my payments were being applied to my loans. Instead, I was told that I do not need to make any payments. <P/>I continued to experience the same lack of information and constant misinformation about my student loans even after my Chapter XXXX discharge. When I questioned why my principle on the student loans increased ( whereas by my calculation and records, it should have been reduced due to ongoing payments ), the company instead justified it using the terms of the " new consolidated '' terms, which by federal laws should not have happened in the 1st place. I also learned that most of my payments were being applied against the interest, and not the principle, hence why I continued to see only minimal progress towards the repayment of my loans and instead I was overpaying. By the end of XXXX, that accounting difference was about {$8000.00}, and continued to accrue interest using those terms. In XXXX, I have finally paid off the Student loans with a balloon payment. <P/>I believe, this unlawful behavior by XXXX XXXXNavient, combined with lack of customer service and proper information, resulted in ( what I perceived as ) extortion of additional payments exceeding {$12000.00} that I could not dispute against intentionally falsified information being provided to me.

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2017 about Debt collection (Medical debt) with Commonwealth Financial Systems, Inc. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Over the last 14 months I have asked for Validation of a medical bill Just to be told it meets FCRA.
I have tried to show that the accounts are dulicated by two Collection company 's. If the Reporting agencies remove one Collection it will sale the account to the next Collection company and at other times both Collectors will report the same account with different Reporting Agencies at the same time.
I need these accounts removed or properly validated and only one company to report it and not duplicate it. 
CommonWealth financial Systems XXXX Reporting Agency. {$880.00} Dulicated. 
XXXX XXXX XXXX. XXXX XXXX XXXX. For {$880.00}. 
Creditor is XXXX XXXX in all wrong reports. 
Thank you in advance for your help. 

Very thankful.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2016 about Mortgage (VA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Carrington Mortgage Services misapplied our XXXX 2016 mortgage payment and did not credit our account. When I provided them with a copy of the check they cashed on XXXX ( well before its considered late ), that I had to pay my bank to get, they told me it would take 10-15 days to process my payment. I called back in 10 days and was told it would take 30 days. In the meantime, I asked if they would be reporting this to credit bureaus while they find our money. They said that they could not guarantee that the folks who report their customers to credit bureaus would be told this matter is under investigation and to desist from reporting a " missed '' payment. They could only correct the false reporting after the fact. Apparently, these departments can't/wo n't talk to each other. I now have to check my credit report for the foreseeable future because these people ca n't communicate with one another. Everything is on me, the consumer, to defend my credit and good name, and prove that I paid on time. No responsibility taken by Carrington, when they could easily help by communicating with one another. Absolutely no way to be compensated for the time, effort, and stress this is taking. Since they may not be financially liable for this type of issue, they likely wo n't change. 

Overall, this is the XXXX company who has sold/purchased/owned my mortgage. I would love to have more choice in who I work with for mortgage servicing, a role in if/when my mortgage is sold, or a way of moving on from an unacceptable company without having to refinance. I guarantee these folks would n't treat us like this in person. They 're just some faceless phone bank in parts unknown, so they treat you like you need to just deal with it. Government, any government, please do something!

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2017 about Debt collection (Auto debt) with Hunt & Kahn, P.A. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I bought a car back in XX/XX/XXXX ; it was repossessed in XX/XX/XXXX. The statute of limitations in the State of Florida is five ( 5 ) years. By law this debt is uncollectable. A few years ago I was contacted by another collection agency. When I told them what happened they closed their file. Now the debt has been sold to another debt collector who is trying to garnish my wages.

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 02/26/2016 about Mortgage (Home equity loan or line of credit) with Specialized Loan Servicing LLC (PA).
Issue: Loan servicing, payments, escrow account

Complaint: I am disputing the total amount outstanding on a home equity loan written by XXXX and serviced by Specialized Loan Servicing ( SLS ). I have been trying unsuccessfully to get a transactions history on this account and a copy of the original note for more than two weeks now. My understanding is that XXXX still holds the home equity loan ( I receive my tax documents from XXXX ) but that SLS handles payment, customer service and account inquiries for XXXX. I called XXXX regarding the account history and original loan documentation, I was informed that they could not help me and I would have to contact SLS. When I contacted SLS more than XXXX weeks ago, the representative I spoke with said that she placed an order for the account history and original note paperwork, and I could expect to receive it via USPS within a week. When I called SLS back today to inquire as to the status of the history and the copy of the note, I was informed by a different representative that the initial request made two weeks ago was " invalid '' and nothing had been ordered. When I asked why I was not notified, she indicated that it was not their policy to advise customers of invalid orders, she was sorry for the delay, but there was nothing she could do except try and submit the request again, which could take an additional two weeks for processing and delivery. I explained to her that the loan was coming due in 45 days and I needed this history, along with a copy of the original note from 10 years ago, as soon as possible because I was disputing the amount outstanding. She reviewed my account, and provided a verbal history of the account : when the home equity loan was originated, the initial draw amount, the interest rate, etc. The original draw amount and interest rate did not align with my recollection, and I indicated this to her. She responded by saying that she was " not in the business of falsifying documents '' ( I never suggested that she falsified any documents - I simply requested information about the account ) and my recollection must be incorrect and my records were incomplete, otherwise I would not be requesting a copy of the note and the history in the first place. 
I do not dispute that there is a balance on this home equity account. I do, however, dispute the total amount outstanding, the adjustable rate ( my recollection is that the original note was for a fixed rate ), and the fact that SLS is characterizing the loan as a HELOC - my original understanding was that this was NOT a line of credit, and I would like to see all transactions ( payments and draws against the line of credit ) to verify the amount outstanding to pay off and close this account. I am simply asking for information about my account, and SLS is making it extremely difficult to obtain this information.

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 09-02-2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (UT).
Issue: Settlement process and costs

Complaint: I worked with Wells Fargo Bank for three months in order to get a commercial mortgage loan for a property in my town. On XXXX/XXXX/15 I met with my Wells Fargo Broker and he told me that I was " locked in '' at 4.75 % interest rate. And he did use the words " locked in. '' I was Ok with the rate so I continued my due diligence and forgot about my loan because I was " locked in. '' We closed on XXXX/XXXX/15. At the closing table my Wells Fargo Broker handed me and my wife the closing documents and the rate said 4.86 %. I had a lot of things going on so I had forgotten the " locked in '' rate. I asked if this was the rate we had locked in at. The broker just explained how good of a deal this rate was and that he had just given a loan at 5.1 % so my rate was great. In hindsight, he never answered my question as to weather that was the " locked in '' rate or not. I had XXXX choices : 1 ) walk away from the deal because this did n't seem like the quoted rate, or 2 ) sign and secure the property. My wife and I signed the papers. Next I went home and looked at my notes from XXXX and my suspicions were correct. He increased the percentage rate on the closing day without notifying us, ever. Even at closing he did not notify us that the rate was increased over the " locked in '' rate that he told me in XXXX. 
I understand that sometimes rates change and I can handle that, but when you never tell your customer about the change that seems pretty rotten. I made the assumption that when he said we were " locked in '' that meant that the rate would not change. It is especially rotten when you are at closing and the broker puts it on the table basically saying walk away from the deal or sign my paper at this higher rate. 
I looked through my emails and notes and I could not find XXXX time where he put my " locked in '' rate in writing. It was only in my notes. Next time I will ask for it in writing and take that paper to closing. 
This especially hurts because I felt like I had a great relationship with this broker. We met, talked on the phone, and conversed through email many times over three months. We were on great terms and I trusted him fully. Then he does this to me. Not cool. 
I looked online at the Wells Fargo Vision and Values written by XXXX XXXX the chairman. He talks abut how honesty, trust and integrity are essential in dealing with customers. He also talks about open honest XXXX communication and building long-term relationships with customers. He also relays how the Wells Fargo reputation extends from their character and how their brand is what people say about them. In the end, I experienced none of this in my Wells Fargo experience. XXXX XXXX is correct about how reputations extend because I am telling all my investor friends about my experience there and that I recommend that they stay away from Wells Fargo.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2015 about Payday loan () with CNG FINANCIAL CORPORATION (CA).
Issue: Charged fees or interest I didn't expect

Complaint: on XX/XX/XXXX I signed up for a loan from " CHECK n GO '' a payday loan office in XXXX, ca. I have been getting a payday loan from them for a number of years and was a very good customer. this office is very busy with just one girl working the desk. On this day XXXX when I was paying my {$300.00} loan she said to me " would n't it be nice to not have to drive all the way down here every month? She said we can sign you up for a {$2600.00} cash loan and you can pay back directy out of your bank account. On that day I did n't have my glasses and I am very hard of hearing ... .I am XXXX yrs. old. I was confused and frustrated since I literally could n't see or hear. all that I was sure she said is that I could save myself a trip every month. I planned to continue to do business with them as my social security just is n't enough to get by on. next she presented me with the loan papers..all of this done in a very rushed manner. I tried to make out the figures of the papers, but I could not. I remember asking her several questions for clarification, but between being XXXX and the other people all talking at once { they were complaining about how long I was taking } finally, thinking I had a fair grasp of what I was doing I signed up. I assumed there would be interest attached to this loan. INTEREST was never mentioned or pointed out to me and of course if she had pointed it out or spoke it ... I NEVER WOULD HAVE EVEN CONSIDERED SIGNING THOSE PAPERS OR BEEN THE SLIGHTEST BIT INTERESTED IN THIS DEAL. upon arriving home I finally reviewed the papers and I almost had a XXXX XXXX. I had just signed a loan with 103 % interest rate. MY WHOLE WORLD FELL APART IN ONE SECOND. ihave always been very proud of myself in being able to take care of myself and making good decisions ... now they would be taking out {$280.00} out of my bank account starting XX/XX/XXXX for 16 months. The amount I will have paid them is {$4800.00}. So far I figure I have paid them eight payments total of {$2200.00}. That pays the interest { which they take out first } THE PRINCIPAL REMAINS. wHEN I READ TIME this month I was thrilled to know that an agency has been created to protect consumers. I have no idea if you can help me? I no longer will make any finantial decisions on my own. thank you

Company response to consumer: Closed with explanation