milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/17/2015 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: While reviewing my XXXX, XXXX & XXXX credit report, I discovered that a fraudulent collection has been placed on profile .I have specifically advised and requested XXXX XXXX XXXX XXXX XXXX that this debt was as a direct result of ID THEFT of LOST/STOLEN CREDIT CARD which was noted on the account. 
Nonetheless, XXXX XXXX XXXX continues to disregard my request in clear violation of XXXX ; FCRA and my PRIVACY RIGHTS, causing me to be denied adequate housing, meaningful employment and or obtain new credits. 
I have maintained that XXXX must validate the DEBT under XXXX and conduct a through investigation demonstrating with preponderance of evidence that this debt belongs to me and provide me with copies of all verifiable evidence of my culpability to this debt.Absent being in compliance of the law, XXXX, action constitutes gross negligence and need to resolve the matter timely to avoid further unreasonable irreparable pains and sufferings. 
For the records, the account in question is SYNCB/TJX CO PLCC # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-06-2017 about Debt collection (I do not know) with ERC (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Every time ERC calls, I them to stop calling me.I HAVE NO DEBT AND NO CREDIT ISSUE WITH ANYONE. 
I DO NOT KNOW WHY THIS ERC IS CALLING EVERY DAY. AND THEY USUALLY HANG UP WITHOUT SAYING ANYTHING. 
I want this to stop.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Credit reporting agency incorrectly keeps reporting a collection account from XXXX XXXX on my credit report. It shows the balance being updated in XXXX for {$680.00}. I asked for this debt to be verified and because XXXX XXXX has not provided any proof of this debt or verification, it should be removed. Credit reporting agency keeps reporting it as true and on my report although it is not and has not TRUELY verified the actual debt from the debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2018 about Debt collection (Other debt) with National Credit Systems,Inc. (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: We moved from XXXX XXXX XXXX XXXX in XXXX 2015 due to noise and trash complaints ( I have photos and video ) and was sent an unverified debt 6 months later of {$4400.00}. It has been brought to my attention that national credit systems is not licensed to collect in the state of Texas. 
I have attached a photo of so much trash my husbands white truck was blocked in. 
And a video of our neighbor playing drums, these things happened multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with USA DISCOUNTERS LTD (IN).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: USA Living has been harassing me and making threats to me of taking me to court for dept that I currently can not pay cause i just got out of the XXXX and told them that i am trying the best i can to find a jobs to pay but also feel i have been a victim as well. I know they been sued for there practice and i know they plan on using a XXXX court to do so knowing i can not make it. I need help.

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 12-06-2017 about Debt collection (Credit card debt) with JPMORGAN CHASE & CO. (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: Wednesday XXXX/XXXX/XXXX, I received an automated call to my cell phone from XXXX XXXX XXXX. The recording stated a complaint has been filed against me. " I have been retained to serve you at you residence or place of employment ''. The automated recording gave a " File Number '' XXXX, then stated that I have been officially notified. I called and spoke to a man who stated that I 'm being charged with breach of contract and attempt to defraud a financial institution. They 're stating that I owe Chase Bank {$3400.00} and they are pursuing me. They 're offering {$1200.00} to settle and dismiss the case. I HAVE THE CALL RECORDED!

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (FL).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: My problem is with the private student loan servicing company, Navient. My original loan was with XXXX XXXX until this company took over. I have a XXXX claim pending and have not worked since XXXX 2013. I have tried to get this company to either give me some kind of temporary forbearance or lower my payment or interest. Time and time again they have refused to do anything and some of the representatives ( particularly the last one ) have been extremely rude and unreasonable. I explained to them that I have other Federal students loans and they have been working with me on my situation, but that did n't phase them at all. I did not know what I was getting into when I took out this private loan until it was too late. My husband is having a hard time helping me with this loan because he gets paid on a commission basis and his paychecks can be skimpy at best. Companies like Navient need to learn to work with people just as the Federal system does!

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Billing disputes

Complaint: I have a credit card with Citibank Visa and I submitted a dispute on a charge. There is a dispute center on their website and a message center. However, when they put very important documents out on the website for me to read, XXXX of these XXXX logical places to retrieve this information were used. They hide the documents so that I wo n't be able to locate them in order to short-cut the dispute process and not assist me in settling the dispute with the company. I feel this is deceptive and does not provide the cardholder logical and reasonable means to address items that need to be completed in order to respond in the dispute process.

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 01/13/2018 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 information incorrect

Complaint: I had paid off this acount and close it back in 2015 with XXXX balance. But on my credit report, they have reported that Im owning them {$600.00}. I have requested all the transactions to the last transaction before I closed my account, they never provided it to me instead they have sold the debt to a third party and refused to talk to me.

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 02/16/2018 about Mortgage (Conventional home mortgage) with LoanCare, LLC (CA).
Issue: Trouble during payment process

Complaint: Hi, I never obtained a payment coupon from the company for XX/XX/XXXX mortgage payment, nonetheless, I mailed in the check to their PO Box address that I found on a previous mortgage statement. I mailed the check on XX/XX/XXXX. I checked my bank statement today XX/XX/XXXX and I do not see it cashed. I called Loancare at their customer service and to my SURPRISE they said that they are not longer the servicer to my loan and in addition they have not received my payment. They claim that they mailed me a Notice on XX/XX/XXXX for making the XX/XX/XXXX mortgage payment to the NEW SERVICER. I told them I never got a letter. I obtain the phone number to the new servicer but they are not answering their phone number. I DO NOT WANT TO be charged a late fee and also WHERE SHOULD I MAKE PAYMENT? Please help.

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 07/23/2015 about Student loan (Non-federal student loan) with CITIBANK, N.A. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: In XXXX of 2015, I receive a telephone call from Citibank to remind me that my student loan is a few days past due so I went online and made a payment. I recall the representative indicated that I should setup the automatic payment so I went to the website and downloaded the auto debit form and sent it in and thinking I 'm set and would not have to bother to login and pay it every month. In XXXX 2015, I received a letter from Citibank indicating that I 'm now XXXX days past due on my student loan and Citibank have reported the late to the XXXX credit bureaus. I scrambled to go online and immediately paid the balance due and request for a copy of my credit report. It in fact shows that my credit scores dropped almost XXXX points which I had from excellent down to good credit. I called Citibank to inquire why there was no emails, letter, or even a telephone call to indicate that I 'm past due on my student loan. XXXX rep told me oh " oh record indicate that we did not notify you '' and then transfer me to another rep when I asked to file a complaint. The XXXX rep said " yes, you were notify of the late '' and I asked him how was I notified. At first he could n't say and then said " we mailed you a letter. '' I have never received an email, a phone call, nor a letter in the mail which I 've often do as soon as my payment is even one day past the due date.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2016 about Debt collection (Credit card) with Eastern Asset Services LLC (NY).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: XXXX from Eastern Asset Serv called my husbands Ex wife of 20+ years and told her all of our account information including the amount of the debt. We have no affilitation with my husbands ex wife and this debt collector told her everything.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2017 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: Information belongs to someone else

Complaint: EXPERIAN, WILL NOT REMOVE THE ACCOUNT.  XXXX   XXXX   XXXX   XXXX . ITS A OLD ACCOUNT, THAT IS A FRAUD ACCOUNT. THIS IS NOT MY ACCOUNT.  XXXX   XXXX  ACCOUNTS ARE FRAUD ACCOUNTS, I WILL FILE A COMPLAINT WITH THE FTC AND  XXXX  POLICE REPORT.   XXXX    XXXX , FRAUD ACCOUNTS.  XXXX   XXXX   XXXX   XXXX  .PLEASE HELP ME.

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 02/25/2018 about Debt collection (Medical debt) with ProCollect, Inc (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: Well this is an invalid debt the original creditors sold it no longer under contract!

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 08-07-2015 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: please have equifax delete this XXXX XXXX XXXX enclosed is a letter from the lender to delete the trade line

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have disputed a credit card on my CR that is a result of Identity theft. All XXXX bureaus keep reporting info is accurate however they have failed to provide me with the documentation used to investigate. I have contacted the card issuer by certified mail and they have failed to provide me information to verify legitimacy. I have specifically requested documentation from the issuer and all the bureaus none which have sent the information therefore there is no proof that this is my account. I provided affidavits to the CRB and the card issuer and again the CRB wrote contact issuer they may not know how to get a hold of you, however I have sent written correspondence via certified mail 3 x that were received and they have ignored my requests and correspondence for over 90 days. The card issuer XXXX 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 explanation
Consumer complaint received 01/28/2016 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Recently I refinanced my home mortgage to a lower interest rate and, because of a bonus received at work, I paid off my all other credit accounts. I included a first and second mortgage in the refinance but did not increase the overall amount owed. To my surprise, all of the credit bureaus ( XXXX, Equifax , XXXX ) lowered my score from over XXXX n XXXX ( good ) to the XXXX, XXXX, XXXX ( poor ) in XXXX! This is counter-intuitive to me. I am in better financial shape now than what I was XXXX! 
I even asked XXXX how they calculated the score. They refuse to disclose the algorithms they use to calculate the score and only provided generalities. 
This is just not fair. I am in the process of going for XXXX jobs where they may pull my credit score and it may prevent advancement in my career.

Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2015 about Mortgage (Conventional fixed mortgage) with loanDepot.com, LLC (CA).
Issue: Credit decision / Underwriting

Complaint: My husband and I applied for a refinance loan from Loan Depot about XXXX XXXX, 2014. We filled out the required information with XXXX of their agents, do not remember his name, maybe XXXX. Subsequent to providing all relevant information we were informed we qualified for a refinance through the VA since my husband is a veteran. Our current mortgage interest rate is 9 % and the VA interest rate was much lower. We were at the point where an inspection was scheduled. We were asked to provide the cost of the inspection, which we did. At this time we were suddenly advised by the agent our VA loan was unavailable due to the fact the VA DID NOT LOAN for homes on leased property. We do not own the property. Instead of checking with the VA to verify this we accepted this disappointing decision. Recently we received information from a VA Mortgage Center regarding VA Loans. When I requested the regulations for a refinance I was informed the VA DID, indeed, loan on manufactured homes on leased property. Therefore, Loan Depot agents lied to us rather than fulfill the loan. We are both retired, XXXX who know they were blatantly deceitful. ( Their reference # is : XXXX XXXX/XXXX/2014 )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2016 about Debt collection (Credit card) with CL HOLDINGS LLC (AZ).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: XXXX XXXX XXXX XXXX on behalf of Jefferson Capital system llc has keep sending me letters to try to collect a debt that is over 7 years old i have repeatedly asked them to stop they also keep reporting this on my credit report. this debt is over 7 years old. XXXX had this before after disputing it they finally removed it but then these guys started. how am i suppose to clean my credit up when it always get reported as new stuff that is very very old

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Hello Experian please delete XXXX from my credit file. You are reporting open as this account should be closed. I have contacted you about and yet its still open. I have attached documents from where I made a claim on here ( cfpb ) and they said they dont have An account for me, in return I know they cant validate that this debt is mines and yet when I dispute to you guys you always update within 6 days and and mail me something saying its been updated from previous disputes which is not fair! You ask me provide proof and you always disregard which is crazy what bout me as the consumer and my rights it seems as if your company is always going with the collectors. Please investigate what documents I have attached and delete this from my file please. 


XXXX 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 explanation
Consumer complaint received 09-02-2016 about Credit card () with JPMORGAN CHASE & CO. (KY).
Issue: Billing disputes

Complaint: I was the Chase card customer. My card was fraudulent used XXXX, Chase refused to remove those fraudulent charges off my account and hold me responsible for those charges. 
Chase should respect there 's pledge and should investigate and remove those charges from my account. 
I have sent Chase my travel documentation indicate that I was not in the country during those charges. 
I was pick pocket and only copy of my passport was stolen not my original passport which show that I was not in XXXX during those charges.

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Billing disputes

Complaint: On XXXX/XXXX/15 I signed a contract with XXXX to rent a car through XXXX/XXXX/15. Due to XXXX bad service and after my complaint, their manager XXXX XXXX agreed to charge me for a total amount of {$120.00} as a good will gesture ( see contract and XXXX business card attached ). I paid for the transaction using my Bank of America VISA card. On XXXX/XXXX/15 I returned the car to XXXX in accordance of the contract. On XXXX/XXXX/15 I was surprised to find out Bank of America VISA showed a charge of {$150.00} from XXXX and so I disputed it. In response to my dispute Bank of America issued me a temporary credit of {$31.00} representing the difference between {$150.00} and {$120.00} on XXXX/XXXX/15. Subsequently on XXXX/XXXX/15 Bank of America informed me that XXXX initiated a claim for {$31.00} and asked me to provide evidence to support my dispute. Next day on XXXX/XXXX/15 I provided Bank of America Credit Card Claims department attachment copies of my contract with XXXX as well as my email to XXXX manager XXXX ( see attachment ). In response to the attachments I sent, I received an email on XXXX/XXXX/15 from XXXX XXXX, Resolution Specialist, Bank of America , XXXX Customer Care Resolution stating quote " I am your dedicated point of contact until this matter is resolved. '' unquote. However on XXXX/XXXX/15 Bank of America rebilled my account for {$31.00} citing quote " You were unable to provide us with a copy of the original sales slip or other documentation indicating that the merchant charged the incorrect amount '' unquote. From XXXX/XXXX/15 up to yesterday I sent a number of emails to Bank of America asking them to explain to me what happened to the attachments I sent them to support my dispute and they kept on saying I can call their XXXX ( toll free ) or XXXX ( collect call ) numbers for help. I told them I am not in the US now and I do n't have a land line to make collect calls either. I suggested they call me instead but they refused. The copy of my XXXX receipt, which was signed by me and their manager XXXX, clearly shows that the total amount agreed upon is {$120.00}. I am getting no where with Bank of America and so I decided to file this complaint with you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 08/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
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: The bankruptcy was not removed from report. They did not send me verification. The bankruptcy does not include my name or social security number. I was told by a representative over the phone that they would delete it from my report, I was told this XXXX of 2017. Under the new law effective XXXX XXXX, 2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in your credit file. The credit bureau has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from 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 02-09-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (PA).
Issue: Loan modification,collection,foreclosure

Complaint: I went to XXXX for help with my mortgage because I fall behind with my payments, XXXX, tried to contact Nationstar mortgage for the past 3 weeks, to find the full amount of payment and got no responds .the representative from Nationstar would not return my phones nor the calls XXXX XXXX 
when I spoke with XXXX XXXX .said he has been missing calls from myself and from XXXX representative he also tell me that I would have to pay lawyers fee but told XXXX that persons from Pennsylvania do n't pay the attorney fees this is how Nationstar mortage conducts their business. 
after witing them a letter of hardship 6 months ago .finding that they have no intention of working with me. my counsel that they no allow anyone to pay back payments on a 60 month payment only 12 month payments. 
now I 'm at my wits end ..

Company response to consumer: Closed