milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-03-2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (OH).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: On XX/XX/XXXX I purchased an item from XXXX XXXX for {$32.00} on my 1240 mysynchrony card. Unfortunately the sales person put this on a " DEFERRED-NO INT IF PD IN FULL '' which meant that the payments would not be made automatically like my " EQUAL PAYMENT NO INTEREST '' purchases. 
I contacted mysynchrony that I wanted to pay off the {$32.00} amount. They responded on XX/XX/XXXX " Once your payment has posted to your account you may contact us at XXXX or via the Online Messaging CenteXXXX and we will be happy to apply your payment as requested. '' On XX/XX/XXXX I wrote to the bank that my payment had posted and again repeated the specific payment to the {$32.00} purchase on XX/XX/XXXX. 
On XX/XX/XXXX XXXX XXXX  responded " Thank you for your recent inquiry regarding your XXXX XXXX account, and the opportunity to be of service to you. Your payment has been applied toward your account balance as you requested and as allowed by federal regulations. '' However XXXX XXXX did NOT pay off the {$32.00} payment but rather applied my {$32.00} payment to my entire balance reducing my next payment of {$730.00} to {$700.00}. That payment should not have been changed since the {$32.00} was to have been applied ONLY to the {$32.00} purchase from XX/XX/XXXX. 
The result is that I may now incur interest payments on the {$32.00} as this amount was not paid off as I specifically requested in writing.

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 04/17/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (GA).
Issue: Loan modification,collection,foreclosure

Complaint: our house was on the market for a short sale already agreed upon by both parties. We have an agent who was in constant contact with the mortgage company and they have authorized a short sale. Suddenly we received a message that the house has been foreclosed on XXXX XXXX with no notice.

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Debt collection (Payday loan debt) with Law Offices of Timothy M. Sullivan (OH).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX of this year I took out a loan with this company. Things feel apart after, They began to take money out of my account on a random basis and multiple times a week, I had to contact my bank, file a fraud report with them. I filed a BBB compliant as well. I had to change my debit cards and my checking account information. This company took money from me ranging in amounts of XXXX to XXXX per week. I have correspondence from all of this including the BBB incident number XXXX. So over the weekend I get a letter they have turned me over to collections for this huge amount. I am beyond upset, I do n't owe these people money, they took advantage of me, and now to have them attempting to collect this is horrible. I have submitted to the collection agency who is XXXX Offices of XXXX XXXX and their number is XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2017 about Credit reporting () with Ad Astra Recovery Services Inc (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: This account was paid in full on XXXX XXXX, 2016 with a promise to " Pay to Delete '' from XXXX. I have disputed and talk to several employees regarding deletion of this account ( not updated ) from ALL credit reporting agencies. I am only asking that it is deleted immediately due to meeting all my obligations to pay what 's owed on this account. Thanks for your help in this urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2018 about Student loan (Private student loan) with DISCOVER BANK (VA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Discover Student Loans has misreported or duplicated hard inquiries to XXXX causing an error on my credit report. A hard inquiry was reported on both XX/XX/XXXX and XX/XX/XXXX by " XXXX XXXX XXXX ''. I requested that they please correct this mis-reporting as there is no reason for there to be hard inquiries run on consecutive days and this impacts my credit score. 

XX/XX/XXXX : Initially reported to Discover via online account message system. 
XX/XX/XXXX : Received feedback from DSL that they do not show the two hard inquires reported. They required a copy of my credit report. 
XX/XX/XXXX : Provided screen shot of data on credit report as requested, via XXXX. 
XX/XX/XXXX : Received response that they have received the provided document. 
XX/XX/XXXX : Requested status update. 
XX/XX/XXXX : Received response that additional time was required to review the issue. 
XX/XX/XXXX : Requested status update. 
XX/XX/XXXX : Received response that additional time was required to review the issue. 
XX/XX/XXXX : Requested status update.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/25/2017 about Debt collection (Payday loan debt) with PAYPAL HOLDINGS INC. (VA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: This has been a ongoing issue that I thought after previous communication it was settled.   In  2008 So ld a item on  XXXX . A   XXXX   XXXX   buyer disputed. because they paid by CC THRU payPal which  XXXX  owes, I automaticalle dlost the right to appeal and no buyer info was given to file a appeal what so ever. Basically, paypal is the judge & jury period ... esp since both companies are same.   Under  XXXX  rules items dispute dare to be returned to t he seller..   XXXX  did not enforce that rule nor wished to make any effort in doing so. ( they already made  $ ).    The attemped a chargeback on me. With out enforcing the rule of item to be returned to sender. I didnt allow that.. I have a judgement against the buyer, which is unenforcable in VA because resides out of state.I have cases against Paypa l &   XXXX  with Online fraud division, the BBB, etc. I have turned PayPal into collections as well.The item was then resold ( stolen merchandise ) ... .and the buyer gained additional monies. Illegal. Warrant has been issed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/14/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have a Federal tax lien that was released, reporting on XXXX and Transunion. According to everything I have read on the laws, released tax liens must be removed within 7 years of the filing date. I have disputed this with the bureaus, as the filing date was more than 10 years ago. XXXX removed it. XXXX and Trans Union have neglected to investigate it properly and remove it. The credit bureaus keep violating my rights as a consumer to have fair and accurate credit reporting.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2015 about Debt collection (I do not know) with Diversified Consultants, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT!

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Payday loan, title loan, or personal loan (Personal line of credit) with MARINER FINANCE, LLC (PA).
Issue: Problem when making payments

Complaint: I received a notice of a loan available to me from Mariner Finance in XX/XX/XXXX. I went to the bank branch in person ( about 1 hour away from my home ) to take out a personal loan in the amount of {$1500.00}. I received less than this because about {$400.00} of that was the cost of taking out the loan. I made my first payment online in XX/XX/XXXX and signed up for automatic payments through my bank. I never received a statement from these people. In XX/XX/XXXX I get a phone call from Mariner Finance telling me I missed my payments. I explained to them that I was signed up for automatic payments but they said there must have been a problem because even though she could see that I had signed up for the automatic payments, it didn't go through. At that moment I paid two months over the phone with the representative and signed up again for automatic payments with the representative verifying the bank information. Again this company never sent ANY statements and I assumed everything was fine since I could see from my bank statements that they were taking the money from my account. On XX/XX/XXXX, I get another call from Mariner Finance. The representative again claims I am late. I ask her how that is possible if I am with automatic payments. She says she does not know how I got kicked out of automatic payments but now I could only make cash payments ( at the branch 1 hour away )! I tried to make an online payment but the system said no online payments allowed. I told the representative to send me a statement and all I get is a printed out list of payments. The list reveals that the first payment I made was reversed by them and again in XX/XX/XXXX. This company refuses to allow me to pay. They seem to want to make it impossible to pay their debt. It all seems VERY shady to me. I can not drive 1 hour every month to pay this bill. I honestly think this company has serious irregularities that should be looked into.

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 07/30/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: A company name of XXXX XXXX charge a XXXX debt of {$640.00} on credit report. This does not belong to me and did not have this 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 04-04-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I make complaint about my credit report that was inaccurate and wrong data and it 's not me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2016 about Debt collection (Payday loan) with Financial Credit Service, Inc. (TX).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: they are calling my employer to get of hold me and when i call them they are telling me that i have a case in XXXX XXXX they refuse to give me the exact name of their company, address, so i can write a cease and decease letter to them.

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: On XXXX XXXX, the Transunion Credit reporting agency removed XXXX inquires ( XX/XX/XXXX-XX/XX/XXXX ) from report raising my credit score XXXX points. Two weeks laters, they added all of theose inquiries back pushing my lowest score low enough that we wo n't be able to purchase a house. When I called the Transunion to ask them to remove the inquiries, they told me that they did not remove any inquirires. Despite having screenshots documenting that the XXXX inquiries were removed, then re-added, they denied doing it and said that if I wanted the inquiries removed for me to please go back to the creditors.

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 05/23/2016 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I recently asked EQUIFAX to correct the credit line amount reporting on my XXXX XXXX account from {$2200.00} to {$2400.00}. Instead, they just deleted this open account. In addition, they have refused to delete " hard '' inquiries from XXXX XXXX on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX that were to have been done as " soft '' or " account review '' inquiries. They continue to refer me back to XXXX XXXX for deletion who in turn refers me to EQUIFAX for deletion in a never ending cycle which results in NOTHING getting resolved!

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2015 about Credit card () with AMERICAN EXPRESS COMPANY (NY).
Issue: Other

Complaint: Again, American Express ( Amex ) failed to follow their term in their letter dated XXXX/XXXX/2015 ( copy sent earlier ). All their past responses to this complaint are irresponsible. Therefore, I will continue to file this complaint until Amex becomes responsible and transfers the XXXX earned rewards points to my open Amex account. 

I am in full disagreement with Amex 's failure to transfer XXXX earned points from my closed Amex account # XXXX to my open Amex account # *************** ( copies sent earlier ), because Amex stated in their XXXX/XXXX/2015 letter, " that as per the MR Terms and Conditions if you cancel your enrollment in the program and do n't keep open any American Express Cards, all points in your program account will be immediately forfeited ''. The key word in this quote is the word " any '', which pertains to my open Amex account # XXXX. On XXXX/XXXX/2015 I advised Amex in my letter ( copy sent earlier ) of this open Amex account. 

Amex needs to transfer my earned XXXX points to my open Amex account # XXXX per their terms and conditions. If then they are not in compliance with Federal banking laws.

Company response to consumer: Closed
Consumer complaint received 04-08-2018 about Debt collection (Other debt) with ERC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX XXXX claims I owe money on multiple collections but refused to provide proof and after I called they reaged the account to make it seem new. They used profanity and threatened to garnish my wages when I requested proof of the debt. I have disputed it on my credit profile multiple times and the date changes every time so it cant fall off

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have been a victim of Identity Theft since XX/XX/XXXX. I have since accrued numerous unauthorized inquiries ( mostly in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). I have disputed the inquiries with Equifax as well as the creditors ( XX/XX/XXXX-XX/XX/XXXX ), to no avail. I was advised to leave a Fraud Freeze on my credit report to ensure no more inquiries were accrued. Unauthorized inquiries continue to accrue and the credit bureau refuses to acknowledge or remove them. They are gravely impacting my credit score and I am begging for relief by them being removed. I am listing the unauthorized inquiries below. There are 28 total. XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: I have some Inquiries on my report in which I did not authorize. I see inquiry where someone try getting credit three times from XXXX XXXX, one month after each other. I have never applied for XXXX XXXX simultaneously. Someone illegally, applied for these companies attached without my authorization. I never applied for XXXX either that is reporting as an inquiry on my report in 2016.

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 10-04-2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My loan with Ocwen is on auto-payment and they reported payment as late XXXX 2016 preventing me from closing on my escrow. 

I am a XXXX of XXXX, a XXXX. 

I was XXXX to XXXX in XXXX, the month of the reported late payment. 

I submitted a copy of my orders to XXXX and duty sheets. 
I submitted a copy of a letter from my XXXX XXXX. 
I submitted a copy of my banks statements, my XXXX accounts for XXXX. 
Go to inciweb.nwcg.gov XXXX see attached screen shot XXXX XXXX while XXXX the automatic payment failed because I was completely unable to transfer from XXXX account to the account Ocwen debit from until XXXX XXXX -- when I was not yet 30 days late. 

On XXXX XXXX on my bank account page XXXX which Ocwen debit from to see that I transferred {$1900.00} from my XXXX XXXX XXXX XXXX 

The bank teller told me Ocwen was attempting to pull the dollars owed again because she could see an Ocwen withdrawal pending on her screen. She showed me the screen. I was satisfied I would n't be late & Ocwen 's information should match. For whatever reason Ocwen 's pending debit did not happen. 

If I did not believe the screen I 'd have phoned my payment in and not been late! 

I very clearly intended to pay & arranged for the payment to be on time. 

I feel I qualify for the XXXX Code on my credit report to prevent the dropping of credit scores due to XXXX disaster.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2016 about Debt collection (Medical) with Action Collection Agencies, Inc. (MT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX the lawyer or Action collection levied my bank account five months ago. These monies have still not posted to my account. XXXX office said the monies are with XXXX investigation and they say the monies are with action collection. It has been five months sense the took my money from my bank account, XXXX number is XXXX Action collection number is XXXX XXXX investigation number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
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 have filed numerous complaints with   XXXX   XXXX   regarding fraud on my credit report.  XXXX  has reported a charge off on a credit card that I never signed up to be a joint owner on. I requested proof or any kind of validation records showing my identity and  XXXX  has been unable to provide anything to me. They have disregarded my request and continued to report this error. I filed an ID theft report and submitted it to all   XXXX    credit reporting agencies and   XXXX   has neither answered the request, nor have they deleted the error from my report.     To my knowledge, I have done everything on my end ( including a fraud alert placement  ) to keep my self protected. the last stated balanced amount owed is  XXXX .  XXXX  has stalled the investigation process by simply continuing to ask me to send in more information to prove my identity.  XXXX  should have my identity information if proper channels were followed to open a credit card in my name.     The credit reporting agencies only give me a standard computerized generated response. I can tell that there is not a live person looking into my complaint.

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 03-06-2016 about Credit reporting () with LEXISNEXIS (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I recently quoted with XXXX. I provided accurate information to XXXX in order to obtain auto insurance to replace my current policy with XXXX XXXX, which ends on XXXX XXXX. I was quoted $ XXXX/month for 6 months under terms that provided for several liability coverages, and also included {$200.00} deductibles for comprehensive and collision. 

Upon entering my license, XXXX stated they they found additional information in my reporting file from LexisNexis, and increased the rate to approximately {$1100.00} for a 6-month policy term. This rate was increased from about {$690.00}, a total increase of almost {$500.00}. 

XXXX indicated that the increase in the quoted amount was due to the LexisNexis report signaling that I have failed to continuously maintain insurance for the past 6 months. This is untrue ; I have maintained continuous insurance for over 2 years on various vehicles and my current policy does not expire until XXXX XXXX. 

This inaccurate information is going to cause me damages of approximately {$500.00} over the next 6 months. I want LexisNexis to correct the inaccurate information about me in their file, and for XXXX to honor their original quote, which reflected the accurate information that I provided them.

Company response to consumer: Closed with explanation