milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-01-2017 about Credit card () with DISCOVER BANK (FL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: XXXX DISCOVER FIN SVCS XXXX ACCOUNT NUMBER : XXXX XXXX/XXXX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX PHONE : XXXX Dear Sir or Madam : I am a victim of identity theft. I am demanding that you reinvestigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ]. You have no way to ascertain the legitimacy of my action without investigating the items in question. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify XXXX DISCOVER FIN SVCS XXXX or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Additional stall tactics on the part of your organization will be reported to the Federal Trade Commission DISCOVER FIN SVCS XXXX acc # XXXX or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (IL).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX/XXXX/XXXX - Contacted my mortgage company for information on how to apply for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Was informed that the process can be applied for on-line and would take approximately 30 days. 
XXXX/XXXX/XXXX - Applied for XXXX on-line. 
To sum up what was told should take approximately 30 days took almost 2 years. 
- In excess of more than 40 telephone calls regarding status of my HAMP application - Having to submit documents more than 6 times - Receiving XXXX different " Forbearance Agreements ''. I sent my 1st payment for a Forbearance Agreement. It was returned. I was told that the check that I sent needed to be a " Cashier 's or Bank Issued Check ''. Nowhere in the " Forbearance Agreement '' did it mentioned this. Reissued a Cashier 's Check and that was also returned because they indicated that the Forbearance expired. 
- I had to hire an attorney to resolve the foreclosure issue and have the foreclosure case dismissed. 
- This entire XXXX process which was to take approximately 30 days that began on XXXX/XXXX/XXXX was FINALLY modified on XXXX/XXXX/XXXX per their letter dated XXXX/XXXX/XXXX. Almost a 2 year painstaking process. 
I have all Exhibits XXXX available for review and can be sent via mail or overnight. My notes are very detailed.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TOYOTA MOTOR CREDIT CORPORATION (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I called TFS, and showed them on their online portal that my loan was paid in full for the Month they claimed I was 30 days late, I 've been paying this loan off faster then the amortization schedule is set for this loan. So needless to say it would be impossible for me to be late. On TFS internal  system is says they received a payment for the month in question, however, they did not do anything to correct this on my credit score. I then set up an investigation with the credit reporting agency, the conclusion of the investigation resulted in an " update '' however they did not update anything. I was not late on this account and this late payment is heavily impacting my credit and the ability to get refinancing for my student loans which are crushing me financially. My monthly payment is XXXX dollars I 've been making payments of over 1500 dollars a month.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2017 about Student loan (Non-federal student loan) with HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA) (NJ).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: New Jersey Higher Education Assistance Authority ( NJHESAA ) ran programs ( from XXXX and potentially much longer ) in which their representatives went to New Jersey high schools to " educate '' parents, teachers and students about how to pay for college education however the representatives unduly promoted NJHESAA loans, gave false or misleading information regarding federal loan options, and presented misleading information about the " benefits '' of NJHESAA loans. The NJHESAA representatives used their position as employees of a state agency to the deceive parents, students, and teacher into believing that the information presented was given without agenda or bias and was factually correct. In many cases parents, students and teachers were made to believe that NJHESAA loans had the same terms and conditions as federal loans when it fact the terms was drastically different. NJHESAA loans were presented as though they were the only viable option to pay for a college education and that federal loans would not be suitable to cover the cost of college education.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: I have already disputed on XXXX but I did not get a final response.Now I see the same problem on Transunion. Idid not close my account and opened a new one. Thanks Please fix this issue. 
Thanks, 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 07-06-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Inquiries were removed and re added without notice or reasoning. 
XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX XXXX/XXXX/2015 XXXX XXXX XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX XXXX/XXXX/2015 XXXX XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/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 explanation
Consumer complaint received 06-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OK).
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: In XX/XX/XXXX, I received my first statement from XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) stating my Title XXXX Federal Student Loan was going to be reported delinquent. As a result, I asked Federal Loan Servicer XXXX XXXX to consolidate the Title XXXX Federal Student Loan with my other student loans. On XX/XX/XXXX, my XXXX Title XXXX Federal Student Loan was consolidated to my other XXXX XXXX Federal Student Loans, which are frozen in Federal Unemployment Deferment, as noted in the attachment from XXXX XXXX. However, XXXX reported me as delinquent in XX/XX/XXXX. My XXXX Title XXXX Federal Student Loan is not delinquent in XX/XX/XXXX, since it was consolidated inXX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2015 about Credit card () with SYNCHRONY FINANCIAL (NC).
Issue: Closing/Cancelling account

Complaint: Synchrony Bank, during the month of XXXX 2015 closed my Walmart Credit Card Account XXXX. Synchrony Bank failed to properly provide reasons of why my account was closed ; for this is a violation of the Equal Credit Opportunities Act. For only XXXX reason was given by Synchrony Bank in which it stated the Walmart Credit Card account has been closed due to returned payments. The referenced returned payments were additional payments on the account ; any and all payment that was due for the regular monthly payment were never returned nor has any account been late. 

According to the Equal Credit Opportunities Act Synchrony Bank 's reason was not specific to the account it closed and the reason was only XXXX which did not apply to the referenced account. Due to Synchrony Bank 's discriminatory acts which Synchrony Bank disproportionately utilizes against its minority consumers in violation of the Equal Credit Opportunities Act this has caused me damages.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I received XXXX letters from XXXX XXXX dated XX/XX/XXXX regarding account ending in XXXX. 
The XXXX letter Dated XX/XX/XXXX stated they correctly reported the first date account ending in XXXX became deliquent was XX/XX/XXXX. 
The XXXX letter Dated XX/XX/XXXX stated they correctly reported the first date account ending in XXXX became deliquent was XX/XX/XXXX. 

On XX/XX/XXXX aprx XXXX. I called XXXX XXXX at XXXX. 
Customer Service Rep XXXX Stated he was not able to verify any old statements on account ending XXXX. He stated he could not tell me or verify the date of first delinquency. He stated he did not have this information and had no previous statements on this account to provide me with the information regarding this accountI believe that XXXX XXXX does not have sufficient information to verify this account

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2015 about Consumer Loan (Vehicle loan) with Rubin & Rothman, LLC (NY).
Issue: Problems when you are unable to pay

Complaint: I have a loan from XXXX credit from 14 years ago that I defaulted on in my younger years. I have heard nothing of this debt in at least 8 years, this is no longer on my credit report, I have not received any letters for an attempt to collect, they have not contacted any of my previous employers, an out of the blue on XXXX XXXX XXXX the payroll department of my current employer received a subpoena from a lawyers office by the name of Rubin & Rothman LLC demanding information on my pay. This debt is from XXXX/XXXX/XXXX, almost 14 years old and from what I understand the statue of limitation for the state of NY is 6 years.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2015 about Debt collection (Payday loan) with Highland Capital (OH).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Northwind Associates. Threatened a lawsuit. Used strong arm tactics on VM that I needed to contact them within the hour to avoid further action. This debt was written off.

Company response to consumer: Untimely response
Consumer complaint received 07-11-2017 about Debt collection (Credit card debt) with CITIBANK, N.A. (NE).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I have gotten harassing phone calls for the last two weeks regarding a supposed debt that I have with  XXXX   XXXX , this was resolved with  XXXX   XXXX  approximately  XXXX  years ago. Now myself as well as family members, are receiving harassing phone calls and voicemails regarding this supposed debt. The supposed law firm that keeps calling is  XXXX  and  XXXX  in  XXXX  California. The gentleman told me that this is an amount of {$1700.00}. They told me that they sent a letter to my home address ( of which I never received ), and now are going to garnish my wages through my employer. The phone number they told me to call is  XXXX . The reference number I have been given is  XXXX . I want to get this resolved, however I do no owe this money.

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 06-09-2017 about Debt collection (Other debt) with I.Q. DATA INTERNATIONAL, INC. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: There is a collection company trying to collect on an apartment debt which NO way do I owe the amount stated. I lived in this complex for many years, gave a 30 days notice and moved and never even received my deposit back. I think this information is inaccurate and have disputed with no resolution. Please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TN).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: In mid  XXXX   XXXX , I responded to the Bank of America 's {$300.00} cash bonus offer to open a new checking account with them. The offer requirement was to open a new checking account and make direct deposits totaling {$4000.00} or more within the first 90 days of opening the account. I opened the checking account on    XXXX   XXXX   XXXX   and satisfied the  requirement within 30 days ( direct deposit of pension payments from TIAA ). In lat e   XXXX   XXXX   XXXX   I ca lled BOA customer service to inquire about not seeing the posting of the {$300.00} bonus, the agent confirmed that I had met all the requirement and that he bonus was " in the processing stage. '' She advised me to be patient and check back in another 30 days. But after another month I still did n't receive the {$300.00}, so in early   XXXX   XXXX   XXXX     I called the BOA customer service again about it, and this time the agent told me the bonus is still " in processing. '' Once again she confirmed I have met all the requirements but she said the waiting period is 90 days after meeting the requirements. She assured me the bonus would be posted after  XXXX   XXXX  and told me to be patient for a little longer. But  XXXX   XXXX  passed and still i do n't see the bonus. I called the customer service on    XXXX   XXXX   XXXX   again , only this time i was told that my bonus was denied! They claimed that I have not made the direct deposit. I just ca n't believe this! After more than 4 months of assuring me that i have met all the requirements and that my bonus was on the way, now suddenly change the response?? And per their promotional term , 3rd par ty agent payments such as gov't and pension payments are part of the qualifying direct deposits. If they do n't mean what they say, what were they trying to do? Intentionally lying or false advertising to lure and deceive the consu mer?!

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 05-11-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with REGIONS FINANCIAL CORPORATION (OH).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: We were using the  XXXX   XXXX  MasterCard for fuel for our company vehicles. We just established this account in  XXXX . All employees  that drive  company vehicles were assigned a card with a unique PIN to avoid unauthorized transactions.  XXXX   XXXX   XXXX   XXXX  contacted me via email on  XXXX / XXXX /  XXXX   about suspicious activity on one of our employee 's cards. After looking into it, we discovered that this person 's card was used to run up over {$2700.00} in charges, while the employee was in a different city on a jobsite with the card in his possession. Only explanation is the card number was stolen by a skimmer on a gas pump. I was told to fill out a form to file the claim. I have conflicting emails from this company telling me how to file the complaint - some told me to fill a form out and email it, others told me to file online. I did both. Afte r 4-5 attem pts - I was finally able to get somebody to look into the claim. This was in late  XXXX . I have many emails showing my repeated attempts to get someone to help me with this issue. All that they do is open a claim for you, email you the claim #, then close the claim without doing anything. I received an apology via email for their poor service. I was promised resolution by  XXXX / XXXX /  XXXX  . I did not receive any further communication until  XXXX / XXXX /  XXXX   at which time they denied the claim, stating that the disputed charges were not covered under our Terms & Conditions due to a "  10 card rule ''. They said this is one of the many reasons they provide us with " tools necessary to monitor your account on a real-time basis to identify unauthorized use proactively ''. However, I can not get anyone at the company to tell me how this card was used without the employee 's unique PIN number. The PIN numbers are supposed to be one of the " tools '' to prevent these incidents, and clearly this did not work. Also since I short paid our invoices by the fraudulent amount, they cut off all of our fleet cards without warning, leaving our drivers in bad positions because they could not purchase fuel when needed. This company has the worst customer service department and response time of any credit card company that I have ever worked with in my 25 years of experience.

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 02/13/2016 about Debt collection (Medical) with HCFS Health Care Financial Services, Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: XXXX is sending me a bill for physician services, however I do not believe the debt is mine. I have asked for proof twice, that this is my bill. They still are not providing it to me, I do not spell my first name with a XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2016 about Bank account or service (Checking account) with U.S. BANCORP (MO).
Issue: Problems caused by my funds being low

Complaint: Us bank keep charging me hidden fees, my account comes with XXXX free atm transactions a month and they charge me for XXXX transactions and i only recieve XXXX free atm transactions. So they charge me {$7.00} of atm trasactions and that gave them a reason to charge {$27.00} for extended overdraft fee but it dont stop there now they will continue to charge {$27.00} for every 8 days. I barley get XXXX dollars of SS XXXX income and i have XXXX kids and this is not right for a bank to take advantage of people like this. please take care of this issue. then if you over draft your account it will be charge XXXX dollars for each overdraft and XXXX dollars for every eight days while your account is in the negitive. they stold XXXX dollars from me last month and they keep stealing from their customers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with GLA Collection Company, Inc. (KY).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: I dont have a contract with gla ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: on XXXX/XXXX/2013 my wife and I closed a short sale on a condo mortgaged by Chase Bank. Until that time we had faithfully made our mortgage payments including the final payment made on XXXX/XXXX/2013. Recently I changed auto insurance, and was informed that I did not qualify for their lower premium because of a Derogatory late payment status date XXXX. 
Description : '' A payment status of 30 days late ( or worse ) was reported 2 years and 1 month ago. ( This excludes accounts for which the payment history was not reported. ) ''

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2017 about Debt collection (I do not know) with Global Credit & Collection Corporation (OK).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Continual robo phone calls with a computer telling me this is an attempt to collect a debt. Then followed by a phone number XXXX. This number shows to be listed to XXXX. I have call the XXXX number to tell them to stop calling but its also answered by a recording that says by continuing I am providing my consent. I 'm not consenting to anything so I never get to talk to anyone. Global Credit and Collection Corp. Please make these people stop disturbing me in my home. 
Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2016 about Debt collection (I do not know) with Commonwealth Financial Systems, Inc. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This debt is being wrongfully put on my credit report. i have no idea what this is for. I DO NOT owe this debt and it is NOT mine.

Company response to consumer: Closed with explanation