milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-12-2018 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (PA).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: On XX/XX/2018, I contacted XXXX XXXX to discuss an account. The first representative I spoke with asked to " verify my ( sic ) phone number, '' knowing that I did not have one on file. After asking about this, the representative told me they had spoken with me about my account on several lines or numbers, revealed to be a list of 15+ numbers which I've never had. The company released my information to whomever owns these 15+ numbers! When I asked about this, the representative stated that use " skip tracing '' to acquire numbers, but that can't be factual information as the numbers were in no way associated with me directly. They did, however, confirm that they had called a sibling and a parent through giving me numbers to my sibling and parent. Nice!

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 10/19/2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (CA).
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 always paid my purchases in full to XXXX ; s. they messed up and did not apply my payments correctly and when i discovered the inaccuracy i called them and was suppose to be fixed. however the issue was not solved and late payment fee and finance charge was added again, ,now we are 90 days into this matter with all late payments and fees. 
the representative promised to correct their error and remove finance charges. i closed the account the next day but received another statement showing late fees and finance charges again. now we are 4 months the mess and finally the account was closed and promised was made to me that all has been taking of and no further action is required. 
despite my repeated efforts this matter is still on my report and hurting my credit and i have been denied credit because of their errors in 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 04/29/2016 about Debt collection (Credit card) with Firstsource Advantage, LLC (NJ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have no affiliation with the number that is being contacted and I want them to stop using this number.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SANTANDER CONSUMER USA HOLDINGS INC. (DC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: In XXXX I had to leave an unhealthy relationship where I was paying for everything and my companion was of not assistance. I co-signed for an automobile that he let get repossessed ; my small credit cards I had to established to build credit was ruined. I had to leave the relationship XXXX XXXX and the bills came with me. As of XXXX this year I managed to make settlements to : XXXXPAID XXXX XXXX-PAID XXXX XXXX XXXXPAID XXXX XXXX for Auto - Still Paying on Settlement Monthly Tax Lien XXXX - RELEASED- No Debt-Clean Hands Document I have a XXXX Debt to be Paid to an unnamed source on my credit report ... Still Looking Into that. I have been trying to find a place to rent and the most recent occurrence revealed something I had no idea was in the background. I was told by the apartment rent search company that there were judgments filed against me by XXXX XXXX XXXX each time I paid my rent late, but states they were satisfied. I have not seen that on my credit reports and I am still waiting for XXXX, XXXX of XXXX, MD to send me the copy of the consumer report they provided to the XXXX XXXX XXXX XXXX. I want everything I have paid to reflect 'Paid '' and off of my credit report as delinquent. judgment or charged-off. I work hard everyday and I am trying so very hard to rebuild my lift and establish better credit. I am a senior aged woman and I need help. It is not fair to work and get things right and the negatives just sit there. Can you please help me get these negatives removed from my credit report? Can you acquire of copy of the report from XXXX that says I have these judgments? Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (KS).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my personal information including name, social security number, address, birth date, driver 's license number, and possibly more. They allowed a data breach to occur in XXXX/XXXX 2017, and they confirmed I could be affected on their website, www.equifaxsecurity2017.com. They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties they are responsible for up for " trial periods '' of their ID protection services. They furthermore failed to notify anyone for three whole months. The negligent loss of personal information of nearly 200 million consumers is unconscionably unethical, and it is further unreasonable that they are not directly notifying every single person affected by this incident.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (MD).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: As apparent retribution for whistle-blowing on FedLoan Servicing 's illegal practices, FedLoan Servicing raised my interest rate from 7.25 to 7.50 % without explanation or notice.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2016 about Credit card () with NAVY FEDERAL CREDIT UNION (OH).
Issue: Transaction issue

Complaint: I attempted to purchase a dating service from a merchant called " XXXX ''. The merchant charged {$3000.00} on my credit card and provided no service. The merchant claims there is a contract and the funds can not be returned. However, I did not sign any contract and requested the merchant to cancel the service. I informed Navy Federal Credit Union to dispute the transaction more in early XXXX 2016. It is now more than 50 days since the dispute was filed and the merchant has not responded. Navy Federal Credit Union is now requesting another 45 days for the dispute. From my understanding, if the merchant has not responded, the credit must be issued to my account by federal law. How long should this bank give the merchant? If another 45 days is allowed, we are looking at about 100 days total. It appears the bank is assisting the merchant to process a fraudulent transaction.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX House XXXX is reporting that I did not pay {$100.00} to them on or about XXXX XXXX, XXXX. I did not have any XXXX XXXX XXXX services in my name in XXXX or XXXX, XXXX. I moved at the end of XXXX and ended my services for XXXX XXXX XXXX, Unit XXXX, XXXX XXXX, FL. All bills had been paid. Services at the XXXX XXXX XXXX XXXX XXXX, XXXX, FL are in my husband 's name, XXXX XXXX. I have copies of all the bills that have been paid to XXXX when services were rendered to my husband. I dispute this bill and ding in my credit report. I have been cleared by XXXX for this charge. The name of the credit agency is Credit Protection, XXXX XXXX XXXX XXXX XXXX XXXX Suite XXXX, XXXX, TX XXXX. There telephone number is XXXX. Thank you for any assistance. Best, XXXX XXXX XXXX, XXXXXXXXXXXX

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 04/23/2015 about Debt collection (Payday loan) with Concord Resolution Inc (Closed) (HI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Contacted by Concord XXXX, XXXX stating I owed {$300.00} from an outstanding payday loan from XXXX 2011 from XXXX XXXX. They had the last XXXX digits of my ss #. I stated this was not my debt but they stated their was state and federal confirmation that this was a valid debt and collection procedures would be starting. I tried to get them to explain how I resolve this matter since it was obviously a scam and they hung up on me. 

Tried to call back but they said they would transfer me to my case manager even though they did n't even ask for my name! Sounded like the same guy that hung on me the first time I called. 

Was on hold and no one ever came on the line.

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I paid the debt in full. I was never sent a letter in order to validate the debt prior of payment. I was forced to pay at the time in order for me to get my apartment rental contract or I would be stuck without a place to live. They are collecting on behalf of XXXX. I never received letters from the debt collector. My apartment manager told me " you have an unpaid collection and it must be paid in full prior to move in ''. I was not aware of any collections on my credit report. They are reporting on all three.

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2017 about Credit card () with WELLS FARGO & COMPANY (OR).
Issue: Closing/Cancelling account

Complaint: We opened a secured credit line with Wells Fargo for our business for {$2000.00}. After a year, they declined to move it off a secured line. We chose to close the card because there 's no point in keeping a secured line if they refuse to graduate it to unsecured, it 's just a debit card with cash you ca n't withdraw at that point. On closing it, we were offered the choice between depositing the cash into our business checking, or having a cashier 's check mailed. We chose to have it deposited to our checking account and were told it would take 7-10 business days. 11 business days later, we still do n't have our money. I returned to the branch and the same reps that closed it tell me their credit team put it in to be mailed to us as a cashiers check, and that it will take 30-45 calendar days. They offered no reasoning for why they switched methods, and no restitution for the fact that we will now be going up to an extra 21 days without our money.

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 02/27/2018 about Debt collection (Other debt) with The Best Service Co.,Inc (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: On or around XX/XX/XXXX I received a letter from " The Best Service Company '' attempting to collect on purported monies owed by their client " XXXX XXXX XXXX XXXX  ''. Subsequently upon receiving this notice I immediately contacted their company and requested pursuant to the Fair Debit Collection Act to provide me proof of validation. 

Subsequently on XX/XX/XXXX I received a package sent to an address I have not been associated with for well over five years and forwarded to my new place of residency. Included in that package was an application for membership with an address I have not lived at for almost 15 years but dated XX/XX/XXXX. Secondly the application provided my mothers maiden name as " XXXX '' which was never a name my mother has been associated with. 

Lastly, in a further review with our attorney we noticed a secondary signature of a persona I don't know or have ever been associated with me. In addition and according tot he review of the application it indicates a copy of a valid identification was provided which I previous requested but they have failed to adhere to this request. 

In closing, it was very clearly stipulated that this account was opened fraudulently and the original creditor was issued a police report. I requested copies of a valid identification due to the incorrect and fraudulent information included in the documents which to date has not been provided. In addition the signatures provided were clearly fraudulent and they have failed to provide accurate information. Instead their organization has acted like the judge and jury with fraudulent and frivolous information and they have failed to adhere to the requested documentation and properly communicate with the client prior to collecting on a well documented identity theft materials provided.

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 06-05-2017 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (GA).
Issue: Struggling to pay mortgage

Complaint: I had 2 or 3 misapplied payments at the beginning of this year. And Nationstar stated they was checking into and I was also trying to apply for a modification. However, I was told no to worry bout misapplied payments and they will adjust them with the new modified loan. I recurred the package in XX/XX/XXXX and mailed in XX/XX/XXXX and at the XX/XX/XXXX they stated the lender was not allowing me to re modifify again. By that time I was about 4 months XXXX, I hadappkief for assistance from home save and I mailed my package and I answered or phone back from them

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2018 about Debt collection (Medical debt) with United Revenue Corporation (TX).
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint: they are trying to collect a debt older then 2 years which is outside the statue of limitations without ever sending anything verifying any debt owed or any correspondence at all

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2015 about Credit card () with JPMORGAN CHASE & CO. (MN).
Issue: Transaction issue

Complaint: I needed an XXXX for spraying soybeans. The custom sprayer person could only do it on the morning of XXXX XXXX, 2015. I told the merchant very clearly it must be at my residence by XXXX XXXX, 2015. The merchant promised me over the phone that the latest it would be there is the afternoon of XXXX XXXX. When the merchant did not deliver on his promise and get it there by XXXX XXXX, I had to drive XXXX miles and buy the spray elsewhere. Then when the now worthless chemical arrived at my door I sent it back to the merchant and said you did not send it it time you promised and it now has no value to me. So, now the merchant has the chemical and still does to this day. My credit card company, Amazon rewards visa by chase refuses to credit my account even though the vendor broke the contract on delivery date and still has the chemical. So, I am currently out {$870.00} and the vendor has my {$870.00} and the chemical. Please please do not let more consumers be taken by the lack of responsible behavior by vendors and credit card companies. The name of the company is XXXX XXXX XXXX and the name of the vendor is Amazon rewards by Chase. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2018 about Debt collection (Other debt) with Blakely-Witt and Associates, Inc. (MA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I was contacted by the collection agency via mailed letter. The letter did not include the validation of debt notice and it also threatened litigation. This letter was received over a year ago. I responded in writing to inform the agency that they had not provided me with an opportunity to dispute. I also disputed the debt in my letter telling them that when I moved into the apartment the carpeting was soiled with pet stains. I have proof of the communication with the landlord from when I moved in when I notified them of the soiled carpet. I received no response from the collection agency. This collection item is listed on my credit bureau report. I had several conversations and provided numerous emails to the property management company detailing why I should not have to pay for carpet that was not new and already soiled and damaged when I moved in. I have the original emails going back to the time when I moved into the apartment proving my claim. I lived there for two years and encountered several other problems including A cockroach infestation overflowing from a neighboring apartment and regular instances of people smoking in the non-smoking building. I paid a nonrefundable pet deposit and always paid my rent early or on time. I had also paid to have the apartment professionally cleaned through the recommendation of the landlords stress free plan upon moving out. Social media is rife with these types of complaints about this particular property and property management company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (OH).
Issue: Trouble during payment process

Complaint: Early in  XXXX  there was some missed payments. During repeated contacts with  XXXX   XXXX  I could never obtain a 'straight ' answer as to what was delinquent or how much was due.  One pay ment (  XXXX / XXXX / XXXX  {$900.00} ACH  Tel S ingle Mtg Pmt ) seemed to never have been credited.     During late  XXXX  and early  XXXX  I had difficulty in obtaining any helpful information as to the justification for the amount claimed to be due.     However, On or about  XXXX   XXXX ,  XXXX  I spoke with an  Ocwen re presentative who was most helpful in explaining the amount due and what would have to be done to bring all payments up to date. He explained how the amount due was arrived at and gave me an amount that had to be paid by overnight mail by  XXXX   XXXX ,  XXXX . The amount was {$3500.00}. The address he instructed me to mail the check to was  Oc  wen Loan Servicing, LLC ,,  XXXX   XXXX   XXXX   XXXX ,   XXXX   XXXX   XXXX    XXXX ,  XXXX  TX  XXXX . During the explanation the agent asked I would like to refinance or pay reduced amounts. I declined both offers. ( Anytime this subject came up with other agents of  Ocwen I firmly d eclined the offers. They say they record conversations, so my claim should be easily provable. ) ( As an aside, The  XXXX  Texas address used was the only time I had ever heard of  XXXX  as a communication site for Ocwen. All other communications had been made through their   XXXX   XXXX   XXXX   XXXX  Fl, address ) I mailed the paymenet along with account information to the  XXXX  address via  USPS ov ernight. The tracking sheet shows delivery on  XXXX   XXXX ,  XXXX  at  XXXX  and signed for by  XXXX   XXXX   XXXX  It took approximately 5 weeks for the check to be cashed.     Subsequent to the receipt of my check by  Ocwen a t their  XXXX  location I kept receiving delinquency notices from Ocwen : i.e.  XXXX ,  XXXX ,  XXXX ,  XXXX   XXXX ,  XXXX ,  XXXX   XXXX ,  XXXX  and lastly on  XXXX   XXXX ,  XXXX  ( with a different payment amount due (  XXXX  ) with no explanation.     This has been very frustrating in dealing with this company. Subsequent to payment of {$3500.00} payments have been in full and on time.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: In 2014 my wallet was stolen with all my identity inside i went to XXXX police department and filed a report then had to go to social security office and also report it and they told me that if anything comes on my credit after that date it would not go on my credit and i had been fighting this with all 3 credit agencies and they have been ignoring me please help me and remove this from my credit. here is the number XXXX the company is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2015 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX 2013 XXXX rental properties became vacant without notice from the tenants and breaking leases. Of course, they had to leave the property is total disrepair. Cash on hand was used to repair property for new leases. XXXX of the properties we were able to get current because the mortgage company complied with the terms of the mortgage to apply extra funds to the P & I XXXX and then late charges. However, Seterus will not comply with those terms even though I wrote them quoting the specifics of the mortgage terms. Their position is that it is their option as to how to apply extra funds. The loan could be in a current status and not accuring additional late charges if they would follow other loan servicers ' examples.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Debt collection (I do not know) with ONEMAIN FINANCIAL HOLDINGS, LLC. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: In XXXX 2016 I pulled a copy of my credit report. I sent a certified letter on XXXX XXXX, 2016 to One Main Financial which was listed on my credit report requesting validation of this account. I requested that if they could not validate this debt that the entry be deleted from all credit reporting agencies. They did not comply with this request. On XXXX XXXX, 2016 I pulled another copy of my credit report and noticed that One Main Financial did not furnish the credit bureau 's with the required disclosure within the 30 day period required by law. Under Federal Law they are to place a " notice of dispute '' on my account within 30 days of my dispute which they received in XXXX 2016. I sent a certified letter to One Main Financial on XXXX XXXX, 2016 informing them they were of this federal law violation. To date they have not deleted my account as requested and they are clearly violating Federal Law.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Debt collection (Other debt) with I.C. System, Inc. (NC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Harassing phone calls

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