milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/26/2015 about Debt collection (I do not know) with Commonwealth Financial Systems, Inc. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I AM NOT ENTIRELY SURE WHO THESE PEOPLE ARE AND WHY THEY KEEP CALLING ME ALL THE TIME. I HAVE NEVER BEEN BEHIND ON ANY OF MY ACCOUNTS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BARCLAYS BANK DELAWARE (OR).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I received an alert on XX/XX/XXXX that a new account was opened on my credit report from Barclays Bank. 

I called the number listed and disputed it. I found out that it was a store card from XXXX in XXXX XXXX. 

I was out of the country when this occurred, so I knew it was fraud. 

Though ive disputed this, I can not get additional information from the creditor and my credit score has dropped nearly 100 points. I am desperate to have this removed as we are in the process of buying a home and now I wont be able to. 

I also need to provide information to the police. Each time I call I can not get through to the correct dept at Barclays bank and end up being disconnected. 

Please help, I am begging for some resolution. I have always taken great pride in my credit and have always managed my finances responsibly.

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 05/24/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Transunion reinserTed an account on my credit file by portfolio recovery services thay has been deleted from my credit report. The original creditor was XXXX XXXX XXXX in which was reported by XXXX recovery services, this account was deleted from myncredit.file in 2015.

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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax states that my information has been compromised/stolen

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EOS Holdings, Inc. (KY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I had an account with XXXX XXXX XXXX back in XXXX that I had cancelled. I returned every piece of equipment they supplied us with to their local office. I received a bill in the mail claiming that I was being charged for a piece of equipment that they never even gave me. I called the local office several times and they always told me they were looking into it and would call me back but never did. I then received a collections letter showing they sent my account off for collections. Long story short, after them not correcting their error I had filed a complaint with the Better Business Bureau against them. I had asked that they correct their error and remove the charges and recall the collection account. They had responded that they were removing these charges but I still have a collection account from " EOS CCA ''. I have attempted to dispute this with the credit bureaus and them with no success. They are attempting to collect false charges and refuse to delete this from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I settled the debt with a lump sumpayment XXXX direct withdraw from my checking account

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Debt collection (I do not know) with CITIBANK, N.A. (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I 'm currently in a health situation that is being corrected. In the time frame, I 've been relatively consistent with my bills. I 've temporarily fallen behind on my payments to credit cards and student loans, however, I 've made minimum payments at the very least until this month. Today alone, I 've received 11 phone calls from Citicards.com By the way, they 've setup their website so that I 'm unable to check my balance or view my account online. I 'm forced to visit a branch to make payments.
How am I able to continue working unimpeded, in order to make payments, when I receive 2 calls per hour?

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 05/31/2016 about Credit card () with SYNCHRONY FINANCIAL (OR).
Issue: Billing statement

Complaint: I have an account with old navy & I recently moved I logged into my online account & updated my address a week ago I logged into my account today to check to see if my address was updated & when clicking on manage my account then clicking under address it tells me to call customer service this is not the first time this has happen they also put holds on my card or block my purchase 's where I had to send in information to verify myself due to me updating my address & number this is very inconvenient for me because it happen 's frequently I also been with them for a while & their denying me a limit increase my account is 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 01/31/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Delinquent account

Complaint: I settled a debt with Bank of America/XXXX XXXX XXXX. At the time of settlement they created a new account number for the debt, stating in their letter that it was for internal purposes only. After settling the debt it still shows up on my credit report as " charged off '' rather than " settled. '' In my understanding this single debt ( regardless of if it is tracked under XXXX account numbers ) must be listed as " settled '' or " legally paid in full for less than the full amount '' to be fully FCRA compliant.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

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 02-05-2018 about Debt collection (Other debt) with Justice Finance Company (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Justice Finance located in XXXX, Texas. Called me Multiple times at day at work for weeks straight after being told multiple times that I could not receive personal calls at work. XXXX told my manager, and family members other than my spouse about my debt. She threatened to sue me and have me arrested as well.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have been really bad communication with Transunion credit bureau. I have stated over the phone and sent certified letters to have unauthorized inquiries removed 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 08/14/2017 about Mortgage (Conventional home mortgage) with Specialized Loan Servicing LLC (MO).
Issue: Trouble during payment process

Complaint: Specialized Loan Servicing LLC XXXX XXXX XXXX XXXX GA XXXX This company bought my two duplex loans about a year ago and it has been a NIGHTMARE since day one. Even though we pay both our mortgages every month because we are currently in active bankruptcy we have NO way to look at our account. I get no statement, can not see anything online and the ONLY way to pay the bill is to either mail it and hope it get credited correctly or call and be on hold for about an hour and pay over the phone. I am told the only way to get a statement, escrow balance or ANY information about my loan is to FAX my request to them AND I have to send a separate FAX for each statement or piece of information I want to know. I have a right to the information about my loan!! How do I know what my balance is or if my payments are being credited or it I am being changed 'unknown ' fees. I want access to my loan information without jumping through any hoops to get it!

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (WA).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: Citi pr estige Account was CLOSEd by  Citi VP   XXXX   XXXX , ruthless employee.       LOTS  XXXX  of REWARD points due to a HOSTILE employee  XXXX   XXXX   ! !!       1. D enied access to  XXXX  reward points both online and on phone.    2,   XXXX  reward points are equal to {$1300.00} in travel value.      Citi ha s BLOCKED me from every opportunity to access my reward points forcing a SEC complaint and lawsuit.      XXXX   XXXX  is a ruthless employee who is retaliating aginst  me. Citi Th ank You employee said ONLY writing into  XXXX   XXXX  about account but said it can not be opened again forfeiting ALL EARNED reward points.  XXXX  is a BULLY.      Citi T hank YOu online response. Service center REFUSES to HELP!!       " We do n't recognize y our Sponsor Account number. Please verify the number and try again. If the problem persists, please call our Service Center  at  XXXX   (   XXXX   ).  The  ThankYou Service Center  is open from Monday to Friday,  XXXX    XXXX   to  XXXX   XXXX  ET and Saturday and Sunday,  XXXX   XXXX  to  XXXX   XXXX   XXXX .     If you are attempting to add you r Citi PremierPass  /  XXXX   XXXX   XXXX  Card to an existing account but are experiencing problems doing so please  call the ThankYou Service Center. ''

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 08/19/2016 about Debt collection (I do not know) with BlueChip Financial (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I get several calls a day from a company called Spot Loan and when I answer the phone they hang up. They leave messages when I am not there to answer with a call back number I 've tried calling them back to see why they are calling me but they usually do not answer. Today I got a rep on the phone claiming I have a loan with them which I do not. I want them to stop calling me. I 've asked them to stop, they will not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My credit report is displaying a late payment record for a credit card account. XXXX  claims that no late report was issued to the credit agencies. ( See chat transcript ) I want the negative information removed, as the payment was not late per 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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (ID).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX XXXX that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company with their " free ID protection '' in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: Experian does not allow its members to cancel their memberships online. You have to call their XXXX  number, where you're placed on hold for about two hours before you can finally speak to someone. I've tried waiting on hold multiple times to cancel, but have been disconnected each time. They obviously do this to force people into giving up, and continuing to pay the monthly fee. Below is a link to a consumer reporting page with over 1300 complaints like mine.

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 12-08-2015 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Credit card protection / Debt protection

Complaint: On XXXX/XXXX/15 someone contacted synchrony bank ( walmart ) and requested a change of address to florida and had my credit limit changed from {$400.00} to {$3400.00}. No one from synchrony questioned theses changes, called me to verify or anything. This person made a lot of charges. on XXXX/XXXX/15 I recevied a letter from synchrony asking if these changes where made by me. I know mail only takes about three days to get XXXX. Upon receipt of this letter i called and was told what had happened and that i was not responsible for the charges. they gave me a new credit card number but because they were unable or unwilling to tell him how they allowed this to happen in the first place i had the card canceled. On XXXX/XXXX/15 they mailed me a fraud letter and i received it on XXXX/XXXX/15. I want a full explianation as to how my security with them was breached and why i was not called the day for this major change was requested. I also want a written apoligy for the hardship this has caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2017 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (IN).
Issue: Settlement process and costs

Complaint: I am very devastated of the way Ditech has handle my loan. I submitted all documents needed to be review for a Deed in Lieu. However I have an active sale date for XX/XX/2017. I confirmed with the Ditech Foreclosing Attorneys " XXXX '' and they have not received any request from Ditech to push my sale date BACK or to have it canceled until my Deed in Lieu is finish. I recently received a letter from Ditech dated XX/XX/2017, they have a complete packet and that they will respond within 30 days. However, I am XXXX because my sale date is still active with the Foreclosing Attorneys. I am tired that Ditech keeps prolonging my case. I am XXXX years old and it has been very difficult to move around. I am just waiting on my Deed in lieu so I can live in peace. I am too old to start all over. I have tried to negotiate a modification however ; I was not " eligible '' based on Ditech. Therefore, my last option will be a Deed in Lieu. Please help me I do not want to die before I can resolve this issue.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Vehicle loan or lease (Loan) with Carvana Group, LLC (NC).
Issue: Getting a loan or lease
Sub-issue: Problem with signing the paperwork

Complaint: I applied for a car online through Carvana and was approved with XXXX deposit. I submitted the paperwork they requested for proof of income ( 2 paycheck stubs ) and proof of address ( bank statement and cable bill ), then they requested more because I work for myself. They requested that I send in 3 months of BUSINESS bank statements. This loan through them was under my personal social security number and was to be a personal call not a business car. I called them and told them that I did not feel comfortable sending in bank statements from my business nor would our board allow that to happen, so instead I was asked to send in my W2 which I did. The next day I got a email saying they are still requesting 3 months of business bank statements. At this point I have asked for my application to be removed from the system. It 's not okay to ask for someone to send in business banking statements that have nothing to do with the loan at hand

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2015 about Mortgage (FHA mortgage) with PNC Bank N.A. (DC).
Issue: Loan servicing, payments, escrow account

Complaint: Hi, I could n't update my original Complaint which is Case number : XXXX. In the response it stated that PNC wanted more time to review. Well, it has just been brought to my knowledge that PNC moved to try and foreclose on my unit after I filed my Complaint against them with you. 
I have never been late with or missed a mortgage payment. I have all of my receipts. I also have the letter from the condo board attorney, whom they paid without my permission or knowledge of alleged unpaid condo fees, that they had " discovered '' an error in their accounting and had in fact overcharged me but could only go back 3 years in reimbursement even though I was due 6 years of reimbursements. A couple months prior, PNC paid the for all 6 years of which I did n't owe. I have attached the attorney letter. My Unit is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2015 about Debt collection (Payday loan) with CURO Intermediate Holdings (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I recently pulled my credit file and I realized Speedy Cash was listed on my credit report from a collection that was placed in XXXX 2009 for {$270.00} I contacted the representative and I stated I do n't recall a having a pay day loan from speedy cash and that I am a victim of theft. The representative insisted on saying I was still responsible for the account. I received threatening phone calls from a representative stating I had to pay the account within 30 days are legal action will take place on my personal property.

Company response to consumer: Closed
Consumer complaint received 01/18/2018 about Debt collection (Other debt) with Franklin Collection Service, Inc. (TX).
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint: After noticing the debt on my credit report, I sent a Debt validation letter to XXXX XXXX XXXX, A request was made pursuant to 15 USC 1692g Sec. 809 ( 6 ) of the FDCPA. As stated in the law, XXXX XXXX XXXX  did not cease collection activities, in fact, they continued reporting to the credit bureau. To date, I have not received a letter or phone call from the XXXX XXXX XXXX or any attempts by the debt collector to validate the debt they believe I owe. It has been more than several months since they placed the debt on my credit report and More than 1 month since I requested validation.

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with HSBC NORTH AMERICA HOLDINGS INC. (NC).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: XXXX is reporting that I have an outstanding balance owed to HSBC Lending for {$11000.00}. I have contacted XXXX to contest the debt ; requesting a copy of the original finance contract ( displaying my signature ), a detailed explanation of charges that constitute the {$11000.00} debt they say I owe, and the account history of this account showing any records of payments that HSBC received. So far, XXXX has not supplied me with any of the requested documentation. It is my right under the Fair Debt Collection Practices Act to request this information, and unlawful for XXXX not to supply it, upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2016 about Debt collection (Medical) with Healthcare Collections-I, LLC (AZ).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: Company agreed that if I paid my accounts in full they would remove them from my credit bureaus. It has been over a month and they are still reporting on all XXXX bureaus. I have called them several times and continue to get the run around and no one can 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 explanation
Consumer complaint received 07/20/2016 about Debt collection (Payday loan) with Quick Click Loans, LLC (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have a loan I lost my job due to car accident it 's XXXX and I would not drive I am waiting on XXXX I told them that want I receive my payments I would pay them Several time I told them So they still call me two to three time per day

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief