milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-08-2016 about Credit card () with SYNCHRONY FINANCIAL (TN).
Issue: Closing/Cancelling account

Complaint: A couple of months ago I had fraudulent activity in my bank account which in result forced me to change banking acct. numbers. This was of course a headache by having to change recurring credit card payments with my new account. A day before this happen a payment already had processed to be paid which was a recurring payment for Walmart/ Synchrony bank. I quickly tried to contact customer service to informed them of what happen. The customer service rep. advised me to send in a copy of the bank report concerning the theft in my account, which I did and that they would honor that. I quickly went into change the recurring payment and cancel out the old bank account number, and made a payment right after to clear up the payment that was returned. Obviously the next payment was due, the system was still set on recurring payment of the old banking acct. number, ( which I changed ) which cause the payment to be returned again. Walmart/Synchrony bank closed my account. I begged and pleaded with them by chat and writing letters to the president to please not close my account. I explained that I have been faithful of my payments due ever month until this tragedy happen. This was not my fault, I see if I was a person that did this on purpose, but that was not the case. I understand that a lot of consumers have complained about the same situation that I am going through. I have other credit cards with Synchrony bank and they did not give me this problem like the Walmart account. What is the problem? I sent in evidence, I tried to correct the payments and they still closed my account. Something needs to be done!!!!! I understand they have rules, but my situation did not apply to the rules and had evidence which should have been waived.This is not right!! And I am not going to give up fighting!

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 04/25/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: None of the accounts were deleted off any of the XXXX credit companies

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I had an cellphone with XXXX wireless, I had to cancel contract after over 5 years of service due to job loss. At that time I had a bill of about XXXX. After almost 5 years, I did n't think the cancellation fee applied to me. XXXX sought after debt collection agency pinnacles with XXXX account, ( XXXX ) XXXX and ( XXXX ) XXXX. I feel even if I cancelled my contract I do n't owe those amount. I only had XXXX phone on the account. Now pinnacles has sold my information to another debt collection agency called XXXX collection bureau. At this point I need them to give me proof I how I owe that much. If it ca n't be satisfied, then it both pinnacles and XXXX needs to be removed off my XXXX credit reporting bureau asap. I will fax over all documents. Pinnacles account for both debt are the same with the change of at least XXXX character, as if they tried to create another account.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions 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: Have continually disputed incorrect information about  XXXX    XXXX   XXXX    XXXX  's on my report. Company comes back stating " company verified it was mine. '' However, they never have any documentation. After requesting documentation from the debt collector and not receiving any proof, there is no record of the account. Therefor, the account is continually being shown on my report despite no proof of any original documentation or that it is mine.

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 12/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CORELOGIC INC (IL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have several unauthorized inquiries and its affecting me getting a loan for my daughter college education. I have several inquiries from XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX I contacted all these places and customer service would not take care of the negative inquiries on my 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 12/23/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid charter communications through Enhanced Recovery system and it is still reporting unpaid. I have proof letter from them. Account # XXXX

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 03/27/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I am a student whose loans have always been in deferment. My loans are stating that they were 90 and 120 days past due in XXXX and XXXX of 2015. This is not possible because I have always filled out forms in a timely manner to make the schools aware of my full time student status. Navient also did not make me aware of other programs I could have used such as financial hardship to defer my loans. I was never sent a bill notifying me these loans were past due. I do n't think my credit report should be affected because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Alpha Recovery Corp (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: When I vacated apartment to purchase a home, XXXX XXXX ( complex ) charged me for costs associated with maintaining a pet in addition to retaining the {$300.00} deposit. During this time the complex was acquired by XXXX XXXX, a large firm with national apartment complex holdings. I paid the charges in full during the transition from XXXX XXXX to the acquirer, XXXX XXXX but the accounting systems between the XXXX did not account for all the payments made. I contacted XXXX at XXXX XXXX and the matter was resolved after getting harrassing calls and letters from XXXX XXXX, another collection agency. Subsequently and for a long period of time, XXXX XXXX ceased collection efforts on this previously paid debt. Now, recently they have apparently shifted collection efforts to yet another COLLECTION agency Alpha Recovery Corporation ( ARC ), XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CO XXXX. ARC resumed collection activities on this paid obligation, calling my place of business and home and even my father 's home number in another state. I have written them and advised them to cease collection efforts, referring both to XXXX XXXX correspondence as well as that of XXXX XXXX the entity who has confirmed that the obligation is fully extinguished. Had XXXX XXXX proceeded with filing the claim on my renter 's insurance at the time, the charges would have been fully paid by the insurer. As a result, XXXX XXXX XXXX XXXX XXXX should in fact reimburse me {$720.00} in monies I paid as a result of them failing to proceed with filing a claim as requested.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/15/2015 about Debt collection (Medical) with Dynamic Recovery Solutions, LLC (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I was seen at XXXX Hospital in XXXX, WA XXXX XXXX 2009. The visit was paid by XXXX. ( workmans compenstion XXXX XXXX XXXX XXXX also billed me for this visit and was giving the XXXX insurance information. 
Today I received a bill from Dynamic Recovery SolutionsXXXX XXXX XXXX XXXX, SC XXXX for $ XXXXfor the XXXX XXXX, 2009 visit. XXXX from Dynamic Recovery Solutions said it was for XXXX Hospital even though it says XXXX XXXX XXXX. on their bill to me. Original Account Number XXXX Account No : XXXX called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and they said they do n't have this bill anymore, and that it was a XXXX claim. They also said they do not work with Dynamic Recovery SolutionsI believe this is a scam to scare me into paying a bill that has already been paid. Since XXXX XXXX, 2009 is more than 6 years ago they might think I will pay this having no records of it myself. 
I do not owe the {$420.00} and this hospital visit in XXXX XXXX 2009 was covered by and paid for by XXXX. 
Thank XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/29/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Omega RMS, LLC (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I joined XXXX of XXXX ( club # XXXX ) on XXXX/XXXX/XXXX. 

On XXXX XXXX, XXXX I was provided notice from XXXX corporate that XXXX XXXX ( club # XXXX ) would be closing on XXXX XXXX, XXXX. 

On XXXX XXXX, XXXX, I provided XXXX with written notice to cancel my membership as a result of the closure and I stopped paying membership dues for the XXXX XXXX XXXX XXXX. 

In reviewing my credit report, I discovered that the remaining membership dues were sent to collections ( OMEGA RMS # XXXX ). A consumer should not be obligated to pay club dues for a club that is no longer open, however, the collection agency continues to report this matter to the Credit Reporting Agencies, this has a negative impact on my credit score. 

For additional information, please refer to the NYS Attorney General Investigation relating to XXXX. 

Your assistance in resolving this matter and clearing up my credit report is greatly appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2015 about Money transfers (International money transfer) with SUNTRUST BANKS, INC. (FL).
Issue: Fraud or scam

Complaint: I made a deal via XXXX. The seller wanted to be paid via wire transfer. I contacted XXXX through " live chat '' and XXXX approved it. I wire transfered the money. XXXX XXXX, XXXX, I made the wire transfer from my Suntrust Bank accout to the seller 's account at XXXX Bank. Following the transfer the seller contacted me and asked me change the XXXX account where the money was getting transfered to. I contacted XXXX again to inform them of the seller 's request. The XXXX receptionist asked me the item 's ID number, I gave it to her ( XXXX ), she told me that they had no such item listed. I asked to speak with her superviser who aknowledged the item and the transaction and told me that it was a scam and to try to get my money back. I returned to Suntrust bank and asked to stop the wire transfer. The teller told me it was too late to stop the wire transfer ; however, for a {$25.00} fee we could fill out a form to avert XXXX XXXX that the transaction was fraudlent and try to recoup the money. We did that and are now waiting to hear from XXXX XXXX. My intent is to get my money back. Can you help me?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2017 about Mortgage (Conventional home mortgage) with Caliber Home Loans, Inc. (CA).
Issue: Trouble during payment process

Complaint: I took out a home loan in XX/XX/XXXX with XXXX XXXX. They filed BK as XXXX in XX/XX/XXXX.On or about XXXX XXXX, XXXX, a person named XXXX XXXX is allegedly claiming to be employed as an Assistant Vice President by XXXX XXXX XXXX , XXXX , as attorney in fact and servicer for XXXX XXXX XXXX , XXXX, as a Trustee for XXXX XXXX XXXX XXXX, but has not provided an employment contract nor a servicing agreement to substantiate these claims. 

I would like for Caliber Home Loans and XXXX XXXX to prove that she is in fact employed as an Assistant Vice President by Caliber Home Loans, Inc., as attorney in fact and servicer for XXXX XXXX XXXX, XXXX, as a Trustee for XXXX XXXX XXXX XXXX, and specifically that she has the credentials to act as an Attorney in fact for this group of companies.

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2015 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Settlement process and costs

Complaint: I had to file for Bankruptcy to protect my home because the bank has refused to modify my mortgage for years. This started in XX/XX/XXXX and Wells Fargo told me in order for them to help me I had to stop paying my mortgage with XXXX and when they take over the will modify my mortgage. When they finally took over they have continued to deny my modification even though I qualify. Now the prices are starting to come back up in Florida, I believe they are illegally denying me so they can sell the house for more and deny me again. The statute of limitation in Florida is XXXX years and my foreclosure ha been going on for longer than that. Why is the government and the state continuing to let the banks get away with this??? I want an answer ans want the banks to be held liable for what they have been doing to home owners since XX/XX/XXXX! Please respond! 
XXXX. XXXX XXXX XXXX XXXXXXXXXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2015 about Mortgage (Conventional fixed mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (TX).
Issue: Loan modification,collection,foreclosure

Complaint: We have a been working on this file since XXXX/XXXX/15 as a short sale there was an appraisal that was done via Rushmore bank and there was an offer to meet the min net per the appraisal. Rushmore denied the offer and stated that they will only allow a DIL as the payoff is XXXX however the unpaid principle balance is XXXX. We have tried to reach out to the investor on the loan and have had no response except to call Rushmore. Please help us to get this bank to allow a short sale. I feel like they are setting us up to foreclose.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: The Transunion Website is down due to the XXXX Credit Breach and when I requested free credit report from XXXX Transunion website indicated they were " experiencing heavy volumes due to the XXXX Breach ''. 

I requested my credit report on the Transunion Website and was charged {$21.00} to my credit card account. 

I want to be refunded the {$21.00} since the only way during this emergency was to use their credit report service on their website. I believe they are fraudulently hiding their credit reports from consumers and that is why XXXX was unable to provide the legally required FREE annual credit report.
Furthermore, they did not indicate my account would be charged to get my credit report.
I live in New York State.
I want to be refunded my {$21.00}. 

I have attached a screenshot showing the Transunion Website authorization through XXXX was down and have attached a copy of the {$21.00} highlighted on my bank account statement.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09/21/2017 about Student loan (Private student loan) with DISCOVER BANK (PA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I would like to report some massive fraud and illegal activity by discover student loans. I uncovered it this month after they made changed to their website. 

I am in their autopay program, and for the past several years I 've made additional payments and the minimum monthly payment ahead of the due date through their website. Once the payment was made, my autopay on that particular due date would be cancelled, since I paid my loan early. 

Since the recent update, I 'm told if I pay the minimum payment early, they 'll still withdraw the minimum payment for the month. I asked them what happens paying the monthly payment twice in a given month, and they said it 'll advance the payment due date. They said it 'll still take the money out on the 2nd of every month but will advance the due date. I told them if I pay the minimum payment early, they shouldnt be taking the money out again. I told them I dont want to advance the due date, and they said there 's nothing I can do. 

Another concern I brought up to them, is when I try to make an additional payment to pay towards principal and not the minimum payment, it wont allow me now. When I try paying money towards principal, it 'll go first to the minimum payment of the month and the rest towards principal. But, they 'll still withdraw that same amount with autopay during the month. The representative told me, that I wont be able to pay money towards principal of my loan from the 15th of the month until the 2nd. I feel that is unfair, and if I want to pay extra money towards my loan, I should already be allowed too. I feel misapplying payments, and incorrectly applying them, is being done purposely by discover to prevent people from putting extra money towards their loans.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Eastern Account Systems of Connecticut, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: My Father passed away XXXX and had to move locations. Living at my new location I have not received any information regarding this debt from Eastern Account System. I was unaware of this and it was sent to collections. This XXXX XXXX my wife and I will be XXXX. We were aware of this debit while reviewing my credit score during our process of trying to purchase a home. If I knew this debit it would of been paid off in full along time ago if I received any statements or letters. On XXXX/XXXX/XXXX I have paid all debit in full and I am requesting this to be taken off my credit. When reaching out to Eastern Account System they seemed to not empathize with how important this is to be taken off. They also did not give me any options on how this can be erased. My wife tried contacting Eastern Account System leaving messages to the Manager XXXX. We have yet to hear back from them. I know if they are a collection agency it can be very frustrating to not be able to collect money from people and the same goes for me. I am frustrated that because I paid in full they do not care to contact me back to erase this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2015 about Consumer Loan (Vehicle loan) with Direct Recovery Services, LLC (FL).
Issue: Problems when you are unable to pay

Complaint: I keep getting calls for someone who used me as a reference on their auto loan and I do not know where they are or how to reach them and now I am receiving threatening phone calls

Company response to consumer: Closed
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Some or all of my personal data may have been leaked with the Equifax hack. I found out about the hack through the new and went to the website Equifax set up that checks to see if my data was stolen. I received the following message : " Based on the information provided, we believe that your personal information may have been impacted by this incident. '' My information may now be public, leaving me vulnerable to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Portfolio Recovey filed law suit, my attorney requested pfoof of ownership of the debt, validation, the failed to validate the debt, previously and reporting debt to XXXX Credit Bureau and refuse to remove it. 
Law suit was dismissed because the Plaintff, Portflio Recovery, failed to appear. Sent email and letter to Portfolio Recovery XX/XX/2016 requesting removal based on the fact that they failed to validate debt and the statute of limitations had expired. No response from Portfolio to date.

Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (CA).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: XX/XX/XXXX : Closed American Express blue cc account ( ending XXXX ) due to forced arbitration opt out refusal by Company.
XX/XX/XXXX : Requested credit balance of approximately ( keeps changing ) {$90.00} to be refunded. 
Per representative XXXX : refund check to be mailed with in 5 business days.
XX/XX/XXXX : Requested credit balance of approximately ( keeps changing ) {$90.00} to be refunded again. 
Per representative XXXX : refund check was mailed, but will be mailed again with in 5 business days.
XX/XX/XXXX : Filed complaint with CFPB. XXXX must be hurting for cash funds, if they hold on to closed account fund fraudulently for so long. Maybe this complaint will speed up things and prevent other customers from being exposed to these pretetory business practices. 
Thank you for your help.

Company response to consumer: Closed with monetary relief