milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/17/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (GA).
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint: Lowes sent me a new credit card for a previously closed consumer credit account. I did not request credit in my name and each time I have spoken to them ( today included XX/XX/XXXX  ) they tell me that my account has simply been inactive.
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I went through the closure process again today ( the very same I went through before ). I 'm unhappy that Lowe 's in extending credit in my name without my authorization.

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 05/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OR).
Issue: Problem with fraud alerts or security freezes

Complaint: XXXX  2016  ID theft occurred. Submitted required forms to all   XXXX   credit agencies via USPS.   Only   XXXX   applied the requested  CREDIT FREEZE . Experian and   XXXX    refused to freeze my credit per OREGON LAW.

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 01/25/2016 about Credit card () with TD BANK US HOLDING COMPANY (TX).
Issue: Billing disputes

Complaint: I purchased a XXXX XXXX for {$330.00} and XXXX PET Ugly Sweater with Candy Cane for {$7.00} and a 3 year Target warranty for {$45.00} and taxes of XXXX was the total..ordered on XXXX. Target delivered to XXXX XXXX????? XXXX in XXXX XXXX???????????? They ( Target ) made an error and shipped o the wrong person and address of a person and state i do not live in!!!!!!!!!!!!!!!!!!!!!!!!!! They will only refund me {$330.00} and are charging me the difference for their MISTAKE!!!!!!!!!!!!!!!!!! No refund for sweater, warranty and taxes!!!!!!!!!!!!!!! Target is a bunch of crooks and i will TELL all my friends to NEVER EVER use this place! I had to go to XXXX and buy the mixer and it arrived in XXXX says!!! and at the correct address i might add.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: {$230.00} of balance from XXXX XXXX has been on my credit report for 7 years. I have tried to remove them but has not been successful. I am not sure if this belongs to me. I would like this balance to be removed my credit history.

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 12-04-2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was contacted by Midland Credit Management in 2014 in relation to a supposed debit owed to a Credit card issued by a XXXX some eight to nine years ago. I do not remember ever being involved in anyway with XXXX and asked for back up showing the debit was valid. They could not provide any proof, however when my employer received a wage garnishment, paid a similar amount to that claimed by a Bank Check. MCM have again contacted me relating that the debit is still valid and want payment of a similar amount.

Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2017 about Mortgage (Conventional home mortgage) with CROSSCOUNTRY MORTGAGE INC (WI).
Issue: Trouble during payment process

Complaint: My Daughter XXXX XXXX and I have been trying to work with Cross Country Mortgage trying to resolve an escrow issue that I do not have the responsibility for paying. I signed a note that said my payment was to be {$570.00} per month. Then shortly after my payment went up from that amount to {$580.00}. I do n't understand why. Also, my mortgage company never paid my insurance escrow. So they put forced placed insurance on my loan due to their negligence of not ever paying my insurance company XXXX XXXX. I have never missed a {$580.00} payment since I began paying 2 years ago. They are now trying to collect {$2000.00} from me due to their negligence. I have never been without hazard insurance. My daughter faxed in my insurance information to them several times to show that I never had a lapse, and we spoke with XXXX XXXX and they also faxed it. Cross Country has ignored the paperwork. This has not helped. My Daughter spoke with the CEO of the company. That has not helped. Now they are reporting mortgage lates on my credit report lowering my credit scores. They have also sent my loan to loss mitigation. I have tons of loss mitigation letters that they keep sending. They have refused to rectify this situation from the beginning when I first bought the house. My insurance XXXX has also indicated to Cross Country Mortgage that I have never had a lapse in coverage and faxed in proof several times. If I ever did have a lapse, it was due to the Mortgage Company never paying for my escrow account. If I have a lapse now, it is as a result of Cross Country not paying my escrow account again. Again, they refused to remedy the issues. Instead, they keep trying to collect the money from me. It is n't my responsibility to pay.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NELNET, INC. (OK).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Through dept of education Nelnet I have three separate accounts that are all showing delinquent on my credit reports. All accounts have been placed in deferment and also challenged several times with no response. Due to the school attended when receiving such loans they were to be discharged due to inaccuracies from the school. I have filed out discharge paperwork three times with the dept of education directly, as instructed, and advised each time I call Nelnet that they have not been notified. This has caused me to be unable to return to school and ruined my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I dispute the XXXX XXXX XXXX account several times. They continue to collect on a account included in Bk case XXXX chpt XXXX and even fax bk docs from my attorney but the will not update my credit report correctly. Talked to XXXX XXXX a collection rep who stated yes we put your file in bk but still can collect. Which is against the law. I want my trade lines reported accurately per FCRA or delete the file.

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 03/31/2015 about Student loan (Non-federal student loan) with Genesis Lending (MA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: im a former XXXX student in XXXX MA. i took out a loan i was promised job placement and never received it. now im stuck with a loan that i can not pay back. please help.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (NC).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I contacted XXXX XXXX on XXXX/XXXX/XXXX after reading on there website they said. We suspend collection activities when a consumer demonstrates that he or she is experiencing significant financial hardship due to medical issues. I advised the Rep name XXXX XXXX that I suffered from two XXXXXXXX  XXXX. She asked what they were I told her my illness are XXXXXXXX and XXXX. I had to explain to her what they were, she had no understanding of the illness. She began to google and read to me what the definition said. I told her that I was n't able to work and I was n't receiving any money from any sources. Then after I realized that she had no idea or understanding I asked to be transferred to a US Rep and she finally did. her name was XXXX XXXX and she was of no help. The more I had to repeat my self over and over my XXXX begin to flare up. I advised both of them that my health issue were not going to get any better.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2015 about Debt collection (I do not know) with Cascade Capital, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: received collection notice from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX i dont owe the debet they claim as well looked them up online and noticed many consumer complaints regarding this company in which they were eith phishing for data, collecting old debet, and debet not reconised by the consumers as well pulling up credit reports without concent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Please correct wrong report from Sallie Mae and SLM. I have requested MANY times!

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BB&T CORPORATION (MD).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Hard inquires ran without consent

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 05-11-2016 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: CFPB, In XXXX 2012, I sold a property located in XXXX, CA that had a loan serviced by XXXX. It was listed at {$100000.00}, which would have resulted in a short sale. Fortunately, I was able to get the property into contract and sell for significantly more, thus avoiding a short sale. However, Seterus is reporting this as a short sale, which is damaging my credit. 
I have tried working with Seterus and the credit bureaus to get this corrected, but thus far, have been unsuccessful and that is why I am now asking for your help. 
The property sold on XXXX/XXXX/12 for {$120000.00}. A logical person would ask, " How the heck did they come up with that unusual sales price? '' This was the exact amount needed to fully satisfy Seterus ' payoff demand so there would be no short sale and I would n't walk from close with any cash. Seterus ' payoff demand was {$110000.00}. My principal balance was {$110000.00}. Seterus was paid their full payoff demand which was significantly more than my principal balance and yet, they are reporting this as a short sale. I am trying to refi my home and this is negatively impacting my ability to do so. 
I have reached out to Seterus and the credit bureaus several times ( I am attaching my most recent request ) to get this fixed but Seterus has refused to change their reporting and I have never received an explanation of how they consider this a short sale when clearly, they received a full principal pay off plus expenses. 
I believe the problem is that the sale started with their short sale department and we were told it had to be closed by the short sale department ( even though at the final sales price it was n't a short sale ). But once it started with the short sale dept and was closed by them, it automatically just got classified in their system as a short sale. And no one at Seterus seems interested or cares that this erroneous reporting is very damaging to my credit and ability to refinance my house. It seems pretty cut and dried, but all I get in trying to talk with Seterus is a fax # to which I have submitted my complaint, but it seems to just disappear into a XXXX hole. 
I appreciate your assistance in helping resolve this very frustrating situation.

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Chase To whom it may concern : I 've been undergoing a hard financial time since beginning of XX/XX/XXXX ( family emergency- please see my hardship letter on file ). 
I got late on my payments, but still willing to keep my property and have applied for loan modification ( any little help is very important in my situation ). 
Received review of my options on XX/XX/XXXX but was n't agree with some numbers on Eligibility Data pages and have my application re-submitted again. 
Received another review of my options on XX/XX/XXXX. 
The only XXXX program that fits my situation is " Home Affordable Modification '' ( Tier XXXX ), but this program was not even indicated on the list of " Options For Which You Are n't Eligible ", ( Section XXXX, page XXXX of XXXX ) Besides, this list indicates XXXX XXXX modifications, but this loan is not XXXX loan at all.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2016 about Consumer Loan (Vehicle loan) with JPMORGAN CHASE & CO. (IL).
Issue: Shopping for a loan or lease

Complaint: I went into XXXX in XXXX IL on XXXX/XXXX/XXXX to test drive a XXXX Mazda 3. I told the sales consultant XXXX XXXX that I only wanted to do a test drive and I was not interested in buying a car that day. I also advised the dealership that I am a victim of identity theft and I did n't want multiple inquiries on my credit. I found out later there were XXXX inquiries on there. I found out about 3 months later because I verbally complained to Chase that Mazda Capital Services was part of Chase Bank which no one from the dealership told me. I called Chase because I was upset about the inquiry, XXXX from Chase advised me the dealership should have disclosed that information. She tried to get the inquiry removed but the sales manager XXXX claims they did not do anything wrong. She also advised me the way the system is set up, the first inquiry is from the dealership and the second one is from Chase and advised me the dealership was suppose to tell me that. I found out this information on XXXX/XXXX/XXXX after I purchased my vehicle from them on XXXX/XXXX/XXXX. The general manager XXXX XXXX claims I gave permission to have my credit ran. I am upset the dealership did not disclose all of the information. I spoke with the finance manager, XXXX and he never advised anything about Chase approving the loan. I was advised by an attorney to file a complaint here because this is considered to be fraud.I have documented several conservations with XXXX that advised the dealership was suppose to disclose that information to the consumer since the loan was approved.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2018 about Debt collection (Other debt) with ERC (IN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: this old cable bill was settled with XXXX XXXX before it became XXXX was removed from credit report to reappear 1 year later

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2016 about Credit card () with U.S. BANCORP (IN).
Issue: Credit card protection / Debt protection

Complaint: I have a dispute with US bank concerning an illegal credit inquiry that was done on XX/XX/2016 at the bank located in XXXX IN XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, IN XXXX. You will see from the correspondence that I sent a letter with other documents/Inquiry Removal form stating this negligent act .I have also called on three occasion and spoke with different representatives and still this matter has not been solved. 
What the bank have done with respect to injuring my credit, however, is absolutely unacceptable. I have learned from the Credit Bureaus, in the course of seeking to procure a loan that they have placed a hard inquiry on my credit report record with the major credit-reporting companies used by merchants and lenders all over this country. Because of this action, my credit is questionable for a loan approval, and I assume other credit will be withheld from me .I have been diligently working to repair my credit score and this recklessly indifferent act by an improperly trained person at the bank has caused a serious problem for 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 08-02-2017 about Checking or savings account (Checking account) with REGIONS FINANCIAL CORPORATION (FL).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: On XX/XX/XXXX a company made a charge against my account without my authorization. I contacted the company, XXXX within 30 minutes of this charge and spoke with them in reference to this issue. They advised this was done in error and that the charge would be reversed, and that there should be no issue with my bank, as the charge would disappear and never process. On XX/XX/XXXX, Regions bank sent me a notice that two {$36.00} overdraft fees were levied against my account due to the 12 hours that the unauthorized charge was " pending '' in their online system. At no point was my account overdrawn, and at no point did the charge from XXXX clear my account. On XX/XX/XXXX I called Regions bank in reference to the {$72.00} in charges on my account. A customer service representative advised me that she would " take care '' of the fees charged " in error '' but later stated she needed to send me to escalations. I spoke to a XXXX XXXX at that time who refused to assist me and stated that I had " agreed '' to be charged fees for pending charges, even if they were fraudulent. He refused to refund the fees or allow me to speak to a supervisor with his bank. I advised him that I would close the account and file a complaint and he told me I should do that.

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 05/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Numerous letters sent to Equifax regarding unauthorized inquires reporting on Credit report. Letters sent starting  XXXX   XXXX  with last letter being sent  XXXX   XXXX , also Fraud alert has been placed on credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with The CMI Group, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Pleas check your records. I paid this debt off over 7 years ago and it was just {$190.00}. I paid it off, they refused to allow me access to the number I had been assigned. I wanted to keep my phone number. However, I did pay this off and for 7 years this is just hanging around. Please stop reporting this paid in full account.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/16/2017 about Mortgage (VA mortgage) with LoanCare, LLC (MD).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage was just sold to Loancare LLC ( XXXX XXXX XXXX XXXX XXXX ). I received my temporary coupons in the mail on today. I registered on their website to make my monthly payments via the web. When I tried to make my current payment, although I have XXXX days, I realized the company added a {$10.00} fee to my payment. As I read down the page, they charge their customers ( due date is the XXXX of the month ) : On or before due date-No Fee 1-4 days after due date-No Fee 5-9 days after due date- {$5.00} 10-15 days after due date- {$10.00} 16 days or more after due date- {$10.00} This is a scam and has to be illegal. I would like for these guys to be investigated, I 'm sure they 're scamming ALL their customers.

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 07/14/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because Equifax has ignored my request to provided me with the documents that their company has on file that was used to verify these inquiries and accounts, being that they have gone past the allotted days and can not verify these inquiries, under section 611 ( 5 ) ( A ) of the FCRA. They are requested to " promptly delete all information which can not be verified. '' Please resolve this matter as soon as possibly, Thank you

Company response to consumer: Closed with explanation