milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/30/2015 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Closing/Cancelling account

Complaint: I had a Walmart credit card I would use it and pay it off to help my credit score then I stopped using it for one month after I paid it off and when I tried using it they said the card was no longer active. When I called they said I had n't used it for a while so they closed my account and if I wanted I could re-apply but when I asked if I re-apply does that mean it checks my credit again she said yes so to avoid another inquiry I did n't. But I do n't like how they closed my account without even telling me just because I had paid it off and not used it.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Over the past two weeks I have contacted : XXXX XXXX ( a XXXX XXXX service ), XXXX XXXX, and Transunion ( who provides the service information to XXXX XXXX ). This complaint concerns XXXX XXXX reporting, the failure of XXXX XXXX to address the complaints, and Transunion for failing to provide the correct information in a timely and reasonable manner. I have eight reported accounts : XXXX XXXX - balance is XXXX but record shows {$290.00} - INCORRECT XXXX XXXX - balance is XXXX but report shows {$8.00} - INCORRECT XXXX - account amount is incorrectly reported ( too high ) - INCORRECT XXXX ( XXXX ) - account amount incorrectly reported ( too high ) - INCORRECT XXXX XXXX - two accounts with XXXX balance reported correctly XXXX - XXXX balance reported correctly Student loan account - XXXX student loan account balance off by several hundred dollars - INCORRECT Additionally I have 12 Alerts showing from an XXXX account which should not be reported as they are deleted accounts! XXXX provided the information dutifully and TU fails to act on the deletion. I am aware accounts may have a delayed reporting in the industry. I am aware of the date when each of my accounts report. I contacted each creditor to affirm when they reported account information. HOWEVER the incorrect totals have been consistently reported as incorrect, as noted above, for a number of months. In another CFPB complaint I have addressed the payment history as incorrect. It should be 99 % instead of 89 %. I believe this is may be a generalized problem as it appears to be a code issue. I could be wrong about this however. These problems began a few months back. None of the three businesses had an interest in notifying their IT folk about a possible glitch, or, it just might be a really sloppy service.

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 01-08-2017 about Bank account or service (Checking account) with SANTANDER BANK, NATIONAL ASSOCIATION (CT).
Issue: Account opening, closing, or management

Complaint: I opened a santander Simply Right Checking account on XXXX XXXX and used a promo code to get {$250.00} if certain requirement are fulfilled such as direct deposit and bill pay. I fulfilled the requirements but did n't get the bonus because my account was closed on XXXX XXXX. According to the bank the account was closed because they did n't receive my signature card. I did send them the signature card and am not sure why they have n't received it. In addition, they did n't not notify me prior to closing my account resulting in some of my bill payments getting reversed costing me in fees.

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
Consumer complaint received 04/13/2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: To Whom It May Concern, I have disputed my concern that Experian reporting in my credit report that i have Consumer finance account XXXX of them but it is inaccurate please investigate and remove that inaccurate and false information from my credit repot. I have attache the proof of the fact that is reporting.

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 08/17/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: In XXXX, XXXX XXXX XXXX, XXXX, and XXXX issued a XXXX ( Cancellation of Debt ) for the credit card accounts I had with the banks. Therefore, per Debt Buyers ' XXXX v. XXXX ( XXXX XXXX ), the banks are prohibited from " pursuing debt collection and enforcement activities after such forms are issued ''. The issuance of the XXXX creates a XXXX balance with the banks for me. And, I had to pay taxes on those funds. But, the banks keep reporting to Equifax, XXXX, and XXXX ( credit agencies ) that they are actively pursuing payment for the accounts. Their reporting makes it look like I have open accounts with monthly payments due and account balances. And, I do n't. 

I filed complaints with Equifax, XXXX, and XXXX in XXXX of XXXX but the credit agencies sent back very vague replies that I did not understand ( and I am a college graduate with extensive work experience ). And, the inaccurate information is still on my credit reports. 

If the banks discharged the debt, then the accounts should not appear as " open '' on the credit reports and they should not indicate that I have monthly payments due, and account balances ( meaning, the banks are expecting to have the balances paid down ). 

Everyone knows that posting debt information on a credit report is an act of pursing debt. Since the banks are prohibited from pursuing the debt ( because of the XXXX and statute of limitations ), then they should not be reporting that they are doing so. 
Dispute Report Numbers : XXXX : XXXXXXXX : XXXXXXXXEquifax : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Debt collection (I do not know) with Diversified Consultants, Inc. (TN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Called my relatives. Mom and aunt. Threatened garnishment within 24 to 48 hours.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2016 about Debt collection (Payday loan) with Midwest Recovery Systems (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: recieved call on XXXX/XXXX/16 from MIDWEST RECOVERY SYSTEMS telling me that the local district attorney office had a warrant for my arrest and would be arrested and sent to jail today for a pay day loan check that is 11 years old.of course no one came and was only a scare tactic. the DA told me they dont take payday loan cases by texas law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I have been speaking to  XXXX  in the fraud department at   XXXX   XXXX  . I have sent several documents. There is an account that was opened in  XXXX  that was identity theft. My last conversation with  XXXX  stated she needed utility bills or other bills to prove my address at the time of the fraud. On  XX/XX/XXXX  I sent in  3 bills, 2 water and one car insurance bill. I received proof that it was received. I w aited to hear back from   XXXX   and after 30 days she did not respond so I sent her a letter on  XX/XX/XXXX that I needed her to get in contact with me as I had submitted all of the documentation she requested. This identity theft account should be listed as such a needs removed from my credit reports.

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 11/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Innovis (NY).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: Multiple times I made written request for free copy of my annual report from Innovis. They never send me a copy of it.

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: Portfolio Recovery Associates , LLC has sent numerous mailings to me for an alleged credit card debt ( s ). Portfolio Recovery provided the following XXXX ( XXXX ) account numbers for these alleged debts : XXXX and XXXX Portfolio Recovery has admitted that the Statute of Limitations for these alleged debts has long-since expired. Portfolio Recovery has admitted it can not sue me for these alleged debts. Portfolio Recovery has admitted that the 7 year Federal Reporting period to credit reporting agencies has expired. 

Notwithstanding, Portfolio Recovery has repeatedly reported the XXXX alleged credit card debts to all XXXX major credit reporting agencies. 

Portfolio Recovery has no legal standing and no legal remedy to be contacting me for any reason. Portfolio Recovery has admitted against its own interest that the Statute of Limitations for the collection of this alleged debts has expired. 

Any and all communications to me from Portfolio Recovery amount to nothing more than the knowing, willful, intentional and repeated, illegal " harassment '' of me.

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
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: We are trying to qualify in order to buy a home and need our credit report corrected reflecting that this charge-off is paid with a XXXX  balance. I am unable to attach a copy of a letter from the credit card company indicating a XXXX balance and settlement of the charge-off. We have urged XXXX to report this change to the credit bureaus immediately. We can not qualify to buy a home without this correctly listed. The account is listed in my wife 's name, XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX The account number ends in XXXX and listed in my wife 's name, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, N.C. XXXX The paid-off amount is {$5400.00} on a balance of {$10.00}, XXXX. XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2015 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (NH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Midland Funding is violating multiple sections of the FDCPA by falsely communicating information about XXXX alleged, unvalidated debts to consumer reporting agencies. Additionally, the debts they are alleging to be mine are beyond the statute of limitations for legal action in the State of New Hampshire so I believe their erroneous reporting is an intentional tactic used to frustrate my attempts at obtaining credit in an effort to get me to simply pay their terms to " clear up '' my reports. 

To wit : Midland Funding is reporting an account with a balance of {$1900.00} on an alleged original amount of {$1500.00} on my consumer reports. They are reporting themselves as the Original Creditor, are claiming the account as a " Revolving Credit '' account with " 1 Month '' terms rather than as a " Collection Account '' and are reporting continued late payments on a monthly basis as though I have a monthly payment agreement with them ( I do not ). 

Similarly, Midland Funding is reporting a second account in the amount of {$600.00} with identical reporting inaccuracies to the account stated above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ProCollect, Inc (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I am continuing to get debt collection calls from a debt that, I was told, was paid in full in XXXX 2013. I have a paid in full letter, as well as an email conversation showing that I do not owe this debt anymore. That being said, 2.5 years later, I am still getting the phone calls and the debt is still showing on 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 12-03-2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (CA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: On XX/XX/XXXX we attempted to use XXXX 's store credit card which we have had for years at XXXX 's XXXX XXXX - XXXX ( in California ) and we were told the card had been canceled ; but, not worry just open a new card account ( and enjoy a 50 % discount on the two purchases we were making ) which we agreed to do. After over about 45 minutes of trying to have our personal data be entered into the store cash register and having to talk with an store supervisor and talking to someone in XXXX 's credit department the process was completed. The discounts were to be reflected on our first statement. The merchandise was not carried out of the store. It was to be delivered to our home by XX/XX/XXXX. 
We had to call the store on XX/XX/XXXX as the merchandise had not arrived as promised. After half an hour on the phone a supervisor told us the merchandise would be delivered immediately. She also assured us the charges would not be on our credit card until delivery was confirmed and we would see the charges and discounts on the monthly statement in XX/XX/XXXX. 
We received the merchandise on XX/XX/XXXX. 
On XX/XX/XXXX XXXX from the collections dept. at XXXX 's called and threatened us with a credit report notification if we did make an immediate payment, over the phone, of almost {$300.00}. We explained all of the aforementioned and said we have not received a statement. We asked to speak to a supervisor. XXXX XXXX came on the line and said she was sorry for the confusion and not worry as she would send a statement ( they had an incorrect address and the statement and our new credit cards were returned ) re-issue the cards. All we needed to do was pay the amount on the statement, or minimum payment, when it arrives in 7 to 10 days. 
The statement arrived in our XXXX XXXX on XX/XX/XXXX. The statement indicated only that we had past due charges, new late fee charges and interest charges. We planned to call XXXX 's during business hours on Monday. 
At XXXX today, Sunday XX/XX/XXXX XXXX 's collections called and again said we were delinquent and wanted immediate payment of {$240.00}. Supervisor XXXX XXXX said if we paid {$210.00} all would be forgiven and we gave her the info she needed to withdraw that amount from our checking account which we authorized fearing having our credit being distroyed. We have called and emailed XXXX ' CS with no response.

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 01/25/2016 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (VA).
Issue: Loan modification,collection,foreclosure

Complaint: Filed for bankruptcy in 2010 with the promise of a modification but never happened they only proceeded with the threat of foreclosure. We got caught up and now after a discharge the same thing. The property is worth XXXX to XXXX below what we owe on it and realtors state that the house is not in condition for FHA sale. This was from XXXX realtors from XXXX different firms. When contacted Ocwen they only replied back with when can you make your next payment. We have spent XXXX of dollars trying to renovate property but it just not enough, we are so under water in the property that we 're starting to see seaweeds, slight exaggeration but that 's the feeling. The loan/refinance should n't have never been approved and we are partially to blame and I take ownership in that regard but for the Ocwen not wanting to help out in no way Is just wrong. Please offer your assistance if you can as it would be most gladly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EXETER FINANCE CORP. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XXXX XXXX I went to a car dealership for an auto loan, I asked specifically if they would shop it around and was told probably depending on if that lot could secure the loan. I said I did not want it shopped around because my credit score was already low and I had been taking small steps in fixing it myself. needless to say I start getting denial letters afterwards. I called and was told these inquires would n't affect my score but of course found out they did. I also went to a car lot around XXXX XXXX of 2017 as well and the same issue as before.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (NY).
Issue: Managing the loan or lease

Complaint: My monthly payment for my car is {$390.00}. On the payment form is a space for " Additional Principal '' so in XXXX I wrote " {$300.00} '' and sent a check for {$690.00}. They applied the extra amount as a partial XXXX payment of Principal and Interest, and have sent me a bill due on XXXX XXXX for {$480.00}, which the operator said includes a penalty for paying part of XXXX " late. '' In other words, it will be late by XXXX XXXX. I asked over the phone to have the {$300.00} applied to principal, and she said the only way that would happen in the future if I cleared it on the phone BEFORE I sent it. I repeat, the bill has a space to fill in " Additional Principal. '' I wish I had the money to just pay this off so that these folks never earn another dime on me.

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (VA).
Issue: Billing disputes

Complaint: Capital One XXXX charged me interest on my previous balance before the due date of my statement. My XXXX XXXX, 2016 statement balance was {$590.00} with a due date of XXXX XXXX, 2016. I paid the balance in full on XXXX XXXX, 2016 : 12 days before the due date. However, my statement dated XXXX XXXX, 2016 states that Capital One charged me interest in the amount of {$5.00}. This is the second time that Capital One has charged me interest when I paid the balance in full.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I was marked 90 days late 4 times by  XXXX  this  XXXX  of  XXXX . I had placed the account in forbearance when my car was totaled from a major car accident in  XXXX  of  XXXX . I had sustained injuries and had to be transported to the   XXXX   during my accident. My son and I was out of a car for months. However, I signed off on a new plan called " Pay As You Earn. '' I was told I can make payments based on how much I made that month. The representative told me that 's how the program works. So, I made payments when I could and they knew my situation. I had no idea I was in violation until  XXXX   XXXX . Not once was a notice sent to my house. Anyhow, once I received the email alert that my  credit score ha s changed ( I belong to a credit monitoring service ), I logged on and saw my score was knocked down from a  XXXX  to the  XXXX  's. My  XXXX    XXXX   XXXX   XXXX   all together. I called  XXXX  the very next day and the representative explained the situation. I paid the past due immediately. I was told the only way they will delete the late payments is if I was in the military or if I was in school. I am a military veteran but was not in at that time nor was I a student. So, being in a major accident and sustaining injuries is not a valid reason? Even though you clearly have proof??? Anyhow, here we are today and I have gotten nowhere with the creditor (  XXXX  ) nor the credit bureaus. I wrote a  XXXX  page letter and attached supporting docs ( proof ) and even my lawyer got involved. No one gives  XXXX   XXXX  and I served this country so, they can proudly keep their jobs in freedom. It 's like I do n't even exist. What I do n't understand is how am I marked that many times in the first place? I am just lost.

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 10-10-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (PA).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I called Navient in XXXX of XX/XX/XXXXto renew my reduced interest repayment program and give my new financial information. Since that time, my financial situation has changed again. I called on XX/XX/XXXX to give updated income and debt/income information. They told me that it could not be reviewed again until XX/XX/XXXX and that I was locked into that monthly repayment amount. I advised that over and over that my financial situation changed since then and they still would not review my account with me to possibly adjust my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NM).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have sent Experian many requests to please investigate, verify and remove accounts from my credit report and they are just not cooperating.

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