milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-12-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: Submitted complaints to all three credit bureaus on XX/XX/XXXX. Within a few days, XXXX and XXXX had removed the paid tax liens from my credit report, but Transunion refused to do so and made a cursory examination with no results. I disputed their answer and have since provided additional documentation, including data from the IRS and XXXX County Court indicating these tax liens have been withdrawn. Transunion has made no effort to make the obviously incorrect changes and has now XXXX times knowingly reported incorrect information to my prospective employer. I have now lost my lucractive job due to their incompetence, rudeness and ignorance. Among other things, each time we provide them with additional documentation, the restart the 30 day clock making this an endless, pointless exercise that only they seem to engage in.

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 04/13/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with American Coradius International LLC (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have an XXXX that was a victim of fraud. We were sent chargebacks for services we had contractually completed, but XXXX told us we lost the dispute. XXXX sent my business 's debt to collection and both the debt collector and XXXX informed me that the debt was to me personally, not my business. Both told me that although I have a business XXXX account, somehow XXXX circumvents this. Neither were able to tell me legally how this is possible or where in the XXXX user agreement this is stated, but told me I was liable none the less. Neither could tell me what information I can gather from a customer to avoid future fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2016 about Bank account or service (Checking account) with FIRSTBANK (CO).
Issue: Account opening, closing, or management

Complaint: On XXXX/XXXX/XXXX I noticed a debt on my credit report from First Bank XXXX. I proceeded to call First Bank and they informed me it was for a checking account that I had a year ago? I never opened a Checking account with First Bank a year ago, my credit report states it was opened in XXXX. I then asked why I owed so much and they informed me it was due to fees and interest. I informed them i never agreed to these fees and interest, or never signed anything agreeing to those costs. I then asked them if we could settle the loan and they informed me they do n't settle anything outside of 60 days of the debt being charged off. I feel I 'm being treated unfair and discriminated against. The reps I spoke to informed me that they reached out to me 60 days after and were n't successful in getting me to pay. I never received XXXX letter or call in regards to this debt. I 've also taken note that there 's public record proving First Bank has settled other debts with other consumers pass the 60 day mark and they informed me they never have and never will. They sell of debt that goes to third party vendors who do it all the time. The branch i discussed this with refused to acknowledge this and refused to provide me proofs where I signed, and acknowledged the fees that came with this Checking account. These type of practices should n't, and cant take place with. I feel because I 'm XXXX they 're treating me as if i 'm note educated and have no clue what I 'm talking about. I again would like them to produce documentation that I singed, and agreed to these fees that came with the checking account along with proof that they 've never, ever, accepted a Settlement on any post charge off accounts that exceeded 60 days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 05-08-2016 about Credit card () with DISCOVER BANK (FL).
Issue: Advertising and marketing

Complaint: My in-laws ( XXXX & XXXX XXXX ) used to live in the house that I live in now. they had a Discover Card for many years. My father in law died 6 years ago and my mother in law 3 years ago. In the past 2 years, we have gotten 6 or 7 credit card solicitations addressed to XXXX XXXX Deceased.I have the latest one here and unopened. I also took pictures of 2 others. I have called every time that I get one and they say that they have fixed the problem but we keep on receiving them. My wife is starting to get upset with the constant reminder that her Mother ( XXXX ) is deceased. Can you help?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My name is XXXX XXXX. This is a formal complaint against Experian for refusing to remove a discharged bankruptcy from my credit report that does not belong to me. My report says that the identification or account number for this bankruptcy is # XXXX. This is not my first dispute against this item, I have been fighting tooth and nail with Experian trying to get this removed for years. First of all, this account is only being reported on my Experian file. There is no record of a bankruptcy on XXXX or XXXX. This says a lot because if I really would have filed a bankruptcy in XXXX, this would also be showing up on my other two credit reports but it never has. I am attaching a screenshot from a recent report which shows this fact. Second, there are no negative accounts listed on my report that show any indication I ever filed for bankruptcy. How can I have a bankruptcy if there is nothing listed on my report to suggest I ever did? This should be very straightforward but is something Experian has continued to ignore in all of my past disputes. Last and most importantly, I have contacted the XXXX XXXX Bankruptcy Court to the XXXX number provided in Experian 's responses. The information they have does not match my personal information. I was told I would need to dispute this with Experian in order to get this removed. If all this is true, how can Experian respond to my dispute verifying that this is my account? My dispute is being disregarded as frivolous when it is really Experian failing to process my dispute properly.

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 08/22/2016 about Credit card () with SYNCHRONY FINANCIAL (GA).
Issue: Billing statement

Complaint: I have an XXXX XXXX XXXX Synchrony credit card. I have been paying it every month around the same time. Apparently, sometimes the payment would end up in the same billing cycle and synchrony would send me a late fee for paying a few days early. Telling me that I was late when I was not. Making me call to have address the issue and having the fee removed. This has happened multiple times and when I called each rep provides different dates to apply my payment so this would not happen. Last month I called and this issue was told to pay at the end of the month. So that was what I prepared my lself to do until I received a call today saying I owe XXXX or XXXX some dollars for missing payments and a late fee. I asked the rep why and they told me it is because I was late. The payment was applied to the last month. Hence, I needed to pay for last, this month, and the late fee. I explained that was not fair and I needed that month to pay other bills. Then, they removed one month payment and decided I needed to pay the late fee because technical I was late. I dont believe I should pay a late fee for being early and that late fees should be for those you are actually behind on their bill not ahead. No other credit card I have does this only this one. And they believe they are following the credit card act of 2010 because they are using the billing cycle that I am not falling into when they cash my check for my payment. That is what the account manager told me today.

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 04-12-2018 about Payday loan, title loan, or personal loan (Payday loan) with Select Management Resources, LLC (OH).
Issue: Received a loan you didn't apply for

Complaint: You didn't have an option for my problem but here it is. XXXX XXXX keeps calling my cell phone from XXXX and XXXX. I do not have a loan with them or know anyone that does. They asked me if I knew somebody named XXXX and I do not. I have asked them not to call and they do it anyway on my pay by the minute phone that is for emergencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/13/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (IL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint: A charge in the amount of {$310.00} happened on X/XX/17 on my Amazon Chase card. I agreed to pay the merchant {$60.00} US dollars not {$310.00} dollars for a silver bracelet in XXXX. The clerk performed the rate conversion in front of me ( twice ) and assured me the price charged would be {$60.00}. There was a miscommunication between the clerk and the cashier. I was charged a different amount than what was agreed upon. The cashier swiped my card for a different amount than what the item cost, which is incorrect. I filed a dispute within a few days of the transaction and issued a temporary credit which was later reversed. The merchant submitted a receipt to Chase with the incorrect amount on it. I have tried to speak with various people in the Chase dispute department. The last person that I spoke to was the Credit dispute Manager on X/XX/17. The Credit Dispute Manager was not able to provide me the merchants phone number, website, description of the item purchased and the address of this merchant. She claimed to not have that information on file. The receipt the merchant provided as evidence also does not have that information. I mentioned to the Customer Dispute manager that I would like to contact the merchant and ship back the bracelet for a possible refund. Chase has denied my initial claim due to receiving the merchants receipt and me not having any other evidence to submit. The only thing the Customer Dispute manager told me to do was to send another letter to re-dispute this outcome of this investigation. They would also not state if they even had an appeal process, so I just mailed them a certified letter opposing their decision.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CONTRACT CALLERS INC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I had filed a complaint XXXX : a collection account for XXXX that was being handled by ICS systems and they did remove the dispute from their system and they said they closed the case and that they made the correction to the credit bureaus. So in reviewing my credit it has dropped from XXXX to XXXX and the new credit collection agency called contract callers now is reporting this incorrect information which has Transunion giving me a XXXX FICO. Well I called and they put me on the line with the person but she was extremely rude and kept calling me sir sir after I told her this is not a sir. She just kept telling me sir so I asked to speak with a supervisor and he got on the line and began to call me sir and then hung up. I do not owe XXXX to XXXX for a address XXXX XXXX XXXX XXXX, CA. XXXX. This problem had been resolved with PGE and I stand a XXXX % correct because the owner of the property was illegally billing my account. I have never missed a payment for XXXX years and I have established a great trust with these credit XXXX XXXX and I wish to maintain that. 
there number is XXXX and it is for {$210.00} for 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 03/19/2016 about Debt collection (I do not know) with Navient Solutions, LLC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On the XXXX/XXXX/16 this number ( XXXX ) called both my home number, and cell phone and left a message on my cell, instructing me to call XXXX, ref # XXXX regarding an attempt to collect a debt. The number XXXX has also been calling my cell, also. I do not have any overdue debts ; all of my payments are current, and I verified this with my credit report. I am thinking this may be in regards to my son, who does have some outstanding debt.

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 02/28/2017 about Mortgage (Conventional fixed mortgage) with PLANET HOME LENDING, LLC (IL).
Issue: Application, originator, mortgage broker

Complaint: Since last Friday, XX/XX/XXXX, I have been trying to get a pay off quote from Planet Home Lending to refinance my mortgage with another lender. 

I was divorced on XX/XX/XXXX and my ex-husband 's name and my former married are noted on this account. 

My name was changed on XX/XX/XXXX. Planet Home Lending received my caurrent and valid dl, the divorce decree that also states I was awarded this property and the court order that I must refinance the property under my name and a XXXX they required I fill out and submit. 

Planet Home Lending has not had any problem accepting the monthly mortgage payment for the past 20 months from my checking account that has only my name. 

As of today, XX/XX/XXXX, they have not complied with this request. This has cost me more money for the daily Interest charged on the Principal balance and have delayed the refinancing of this court ordered decree. 

The account # is XXXX. 

Thank you.

Company response to consumer: Closed
Consumer complaint received 07/30/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (MI).
Issue: Loan servicing, payments, escrow account

Complaint: I was asked by the homeowner, who has a mortgage serviced by Ocwen Loan Servicing to facilitate a short sale because her home remains under water. She has exhausted all possibilities to obtain mortgage relief under HAFA, HAMP, etc because her mortgage is not FHA, XXXX or XXXX. Her interest rate remains relatively high and she pays taxes and insurance separately. This mortgage started out under Homecomings. The home was listed for sale XX/XX/XXXX and most recently obtained a favorable offer at list price which still represents the need to do a short sale. All docs required for a short sale review were emailed and/or faxed to Ocwen between XX/XX/XXXX-XX/XX/XXXX. I was sent a message via XXXX by Ocwen to accept the short sale negotiation task which I did during this timeline as well. The borrower as well as myself have complied within 24hrs of all of Ocwen 's requirements and I received a notice from Ocwen that the home is being Auctioned. All parties, mainly the homeowner has a HUGE issue with this because she still lives in the home, is current on the mortgage, has obtained an offer at the marketed list price while Ocwen has NOT performed the required BPO or appraisal on the home, has not reviewed the offer nor completed the short sale guidelines based on my experience with Ocwen previously but yet has put the homeowner at a great disadvantage because advertising this home as an Auction on the internet totally jeopardizes her safety ... especially in this neighborhood! Upon my conversations with XXXX Ocwen representative today, neither of them could provide reasons for an Auction when they currently have a completed package, per their guidelines, to review. I was told that the " investor '' requested the auction. However, no value has been issued by Ocwen neither has the offer presented been reviewed or a counter issued by Ocwen or the investor. I am very concerned about these fraudulent practices especially when the borrowers account reflects over {$1400.00} in late charges from XX/XX/XXXX when the existing mortgage rate was raised to 11 % and foreclosure notices were issued. The interest rate was reduced to approx 8 % currently which grossly exceeds the market interest rate and Ocwen refused to eliminate and cease to collect on late charges that accumulated during the review and resolution time period and continues to grow.

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Settlement process and costs

Complaint: I applied for a modification, with NACA per NACA, Ocwen the mortgage holder is not honoring the chapter XXXX Bankruptcy charge off, and is refusing the modification, if Ocwen had problems with the Bankruptcy they were given the amount of time allowed, to do so. 
They ask for the RMA, they got it, any information they ask for they received it.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2016 about Credit card () with CITIBANK, N.A. (AZ).
Issue: Delinquent account

Complaint: When my new Citi XXXX was opened in 2014 it was opened with electronic statements to be sent to me via email. At the time it was opened I did a balance transfer, the email address Citi had on file was not correct, causing the account to go late and subsequently past due. During this time Citi made no effort to contact me for updated information, even when the first payment was missed there was no attempt to reach out. Upon recognizing that my account had no only fallen past due but also had reported a late payment to my credit report I contacted Citi and make the necessary payments to bring it current, paid the late fee, updated my email address ( see attached email confirmation ), and setup auto payment to assure that this would not happen again. When I spoke to the associate and inquired about removing the mark from my credit report, I was advised that I would need to request that in writing and the associate was not able to assist. I then contacted Citi via their website using the " Contact Us '' option and requested, I received a response telling me I needed to call in for that which was in contrast to what I was told before. I called some time later and was told that they could not remove the mark because it was too old, this is why I am now reaching out to the CFPB, I feel that Citi failed to provide me with a timely statement, failed to contact me once they realized that the email address they had on file, and failed to correct the problem once I called by passing the buck instead of owning the problem.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/25/2017 about Checking or savings account (Savings account) with TRUSTMARK CORPORATION (MS).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: Dates and Amounts :  XXXX /2017- $  XXXX   XXXX /2017- {$100.00} -   XXXX  /2017-  XXXX  and  XXXX / XXXX / 2017  - {$50.00}. I called and went by the bank on  XXXX / XXXX / 2017  to inquire about the amount that has been taking out of my account ; and was told to come back on  XXXX / XXXX / 2017  to be able to see the image on the check. At that time I was not aware of the other amounts that have been debited from my account without my authorization. looking at other dates I found others dates and amounts unauthorized.  XXXX / XXXX /   2017  is when I was presented with the printout of other amounts that was taken out of my account.   I was also told close the account and open a ne w one and  I did.

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CO).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I had a discharged bankruptcy in XXXX. It is nearing XXXX years, and I was told by an attorney to ask for this bk to be removed from all credit bureaus. Some of the bankruptcies are supposed to drop off between XXXX years. I have submitted a request for removal before on at least XXXX credit bureaus. The other one ( I think equifax ) requires a XXXX digit code from the item listed on the report. That XXXX digit code does not exist on the page I was to look it up on. I was unable to create a dispute or a request for that bankruptcy to be removed since I 'm past XXXX years and so close to XXXX years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/15/2017 about Debt collection (Credit card debt) with Rausch, Sturm, Israel, Enerson & Hornik, LLP (MD).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: I received a letter in the mail requesting collection of debt XX/XX/XXXX for a XXXX card. The letter I received says I allegedly owe {$1400.00}. I contacted XXXX to verify what information was in their system to validate the legitimacy of the letter, at which point I was informed that the debt was being managed by a separate collection agency/law office. I found this odd because the debt was not on my credit report and in XX/XX/XXXX, I received a letter stating my inactive account was being credited for an identity or credit protection service I had during the time my account had been active. Also in XX/XX/XXXX, I received in the mail a pre-approval letter for the XXXX XXXX XXXX card, which further confused me. Yesterday, XX/XX/XXXX, I received another XXXX card offer for a XXXX XXXX card. If I had outstanding debt with XXXX, why would I be eligible for their top cards? 

The 3rd party organization also sent a letter claiming to file a foreign judgment with the current state I 'm living in, which I do n't even understand what that means. 

This matter has resulted in further research and I uncovered that XXXX broke the law by providing inaccurate and inflated interest rate information for about 130,000 credit card accounts it sold to debt buyers. The bank also was accused of failing to promptly forward about 14,000 payments from customers, totaling about XXXX XXXX, to the debt buyers. When I reached out to the 3rd party company that sent the letter, I was told that only {$200.00} worth of payments to XXXX was recorded associated with the inactive card account, which again makes no sense. 

I also learned that from at least XX/XX/XXXX to XX/XX/XXXX, XXXX used misleading statements to get people to sign up for debt protection services, and charged for credit monitoring services it sometimes did n't provide, the consumer protection bureau said. XXXX also charged a {$14.00} fee for same-day payment on delinquent accounts, a service that most users did n't need, according to the agency. Which I had clearly been a victim of due to the refund letter received.

Company response to consumer: Closed with explanation