milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/29/2017 about Credit card or prepaid card (General-purpose prepaid card) with SYNCHRONY FINANCIAL (TX).
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint: In XXXX XXXX I bought furniture from Rooms-To-Go. The sales person misled me and asked for my date of birth, income, and social security number. A month later I got a credit card in the mail from Synchrony Bank when I did not agree to or sign for a credit card. I called XXXX XXXX, XXXX to cancel the credit card and was able to. I still want to complain about XXXX and Synchrony Bank about the unauthorized used of credit.

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 08-05-2017 about Debt collection (Other debt) with Duncan Solutions, lnc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I bought a used XXXX XXXX car XXXX ( plate was XXXX before XXXX sent new XXXX XXXX ). My husband XXXX XXXX and I have a XXXX account that is replenished automatically XXXX our XXXX card ( ending in XXXX ). We have no idea if was because of the plate or transponder not working but XXXX bridge crossings XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX did n't register. We spent a lengthy amount of time with XXXX resolving the issue ; them admitting error, apologizing and assuring us that it all was good and settled. 3 months later I started getting collections notices from PAM ( their dept agency ) and has been an unending nightmare ever since. I have done everything they said to DISPUTE the charges - that are now XXXX the toll, XXXX charges of $ XXXX each, total {$220.00}. PAM will not let me talk to XXXX, or access records of our conversations. XXXX PAM employee said I should just XXXX it up and pay the charges even though it not right or fair. Is that what you suggest? Do I have any recourse other than hiring a lawyer, which I sure will cost me more than {$220.00}. Please let me know, XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This debt does not belong to me. I do not have an XXXX account. My business did business with XXXX for 15 years. I hade a dispute for Long-distance charges that were charged to our account in error, XXXX made a connection error on a remote-call-forward causing a {$.00} charge for every call placed to the remote call forward connection. The service was there specifically to avoid these charges. They made an error in it 's set up and the XXXX people that were in charge of billing did not understand the technical error the installation people had made. Due to the confused people I spoke with I was left with disputing the error over and over again. Now again, ENOUGH!!!

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On XX/XX/XXXX, I was approved for auto financing through XXXX XXXX XXXX. On XX/XX/XXXX,  a contract was signed between myself and XXXX XXXX in XXXX Texas and XXXX XXXX XXXX was the financing company. 

On or about XX/XX/XXXX, I was informed by XXXX  XXXX XXXX that XXXX XXXX of XXXX XXXX retracted the contract. When asked why, XXXX stated that my social security number was invalid and he therefore could not sell me the vehicle. 

However, after I requested that he put it in writing, several inquiries appeared on my credit report for auto financing. 
I never agreed nor authorized XXXX XXXX to apply for any credit. I was already approved through XXXX XXXX XXXX and the contract was signed on XX/XX/XXXX. 
A complaint was also filed on XX/XX/XXXX with the Office of Consumer Credit commissioner. 

Please review attached

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 10-08-2015 about Bank account or service (Other bank product/service) with Convergent Resources, Inc. (LA).
Issue: Account opening, closing, or management

Complaint: I have been getting a lot of calls on my fax phone which I usually do n't answer. I answered and it was Convergent Outsourcing, Inc., a collection agency. They were calling about a XXXX XXXX Bank account. I do n't recall having an account with this company. I am now receiving mail requesting payment in full. I have checked my credit records and if I did have any business with this bank it has come and gone and has surely passed the time limit for being reported to any credit bureaus. I became a total and permanent XXXX veteran quite a few years ago, XXXX hit and I was living on the streets for awhile waiting for my XXXX compensation to start. That took about 13 years. Since then I have worked very hard on cleaning up my credit and at this I only have XXXX derogatory mark which is a paid charge off. I am still working on getting that removed since I have paid it. In all those years there was nothing about this bank. I checked online and found a lot of bad reports about all companies involved XXXX 

What I want to know is do I have to worry about something like this showing up in my credit reports and are there any actions I can take to prevent this.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Debt collection (Credit card debt) with NPS GROUP (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XXXX XXXX HAS CONTACTED ME AND PEOPLE RELATED TO ME MULTIPLE TIMES A DAY. GIVEN OUT INFORMATION THAT SHOULD NOT BE GIVEN OUT. EVERYTIME I CONTACT THEM, I CAN NOT TALK TO THE SAME PERSON. THEY ARE HARRASSING ME AND PEOPLE RELATED TO ME

Company response to consumer: Untimely response
Consumer complaint received 01-05-2017 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (VA).
Issue: Fraud or scam

Complaint: Hello, On XXXX XXXX I won a bid on eBay and purchased a XXXX fanny pack through Paypal in the amount of {$300.00} plus {$9.00} shipping, total {$310.00}. I was very satisfied with my purchase until the clamp broke. I sent the fanny pack back to XXXX for repair which took over a month to evaluate. XXXX sent the fanny pack back along with the letter that I submitted to Papyal in a dispute I thought I opened on XXXX XXXX. The letter stated that XXXX was n't able to fix my fanny pack because they only service products from XXXX or authorized distributors. Now at this point I 'm confused so I called XXXX @ ( XXXX ) XXXX and I was told the fanny pack was NOT authentic. At this point I 'm out of {$310.00} plus I have a knock off broken fanny pack that can not be fixed. I 'm extremely disappointed because eBay nor Paypal are willing to help get my money back. I used my credit card ending in XXXX to make the purchase. I DO NOT have {$310.00} to just give away. I even contacted the seller XXXX to get my money back and they have yet to respond. This is not only disappointing but it 's embarrassing as well. I am a good client to both Paypal and eBay and I expect the same in return. I want my credit card reimbursed the {$310.00}. 

I understand that eBay has a 30 day return policy and Paypal has a 6 month return policy but had the clamp not broken, I would 've never known this bag was a fake. I need both eBay and Paypal to make new policies because in a case where fraudulent items are being sold, there should n't be a time frame on those purchases. 

A customer should be able to get their money back if the item is counterfeit, it 's against the law to sell counterfeit handbags. 

Please help me get my money back, this is unbelievable. 

Thank you, transaction ID # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have sent in 2 certified affidavit in regard to my file. I did not au authorize anyone to pull my credit and put inquiries on them. ple please have these inquiries removed : ( 1 ) XXXX XX/XX/XXXX ( 2 ) XXXX XX/XX/XXXX ( 3 ) XXXX XX/XX/XXXX XX/XX/XXXX ( 4 ) XXXX XX/XX/XXXX ( 5 ) XXXX XX/XX/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 02/21/2017 about Consumer Loan (Vehicle lease) with TOYOTA MOTOR CREDIT CORPORATION (CA).
Issue: Managing the loan or lease

Complaint: I returned the car at the end of my lease. A charger that came along with the car was returned later to the nearest dealership. Toyota wants to charge me a ridiculous {$950.00} for forgetting to return the charger. They did n't even call me about the charger. As soon as I noticed it lying in my garage, I went to the nearest Toyota dealership to return.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Stellar Recovery, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I received a letter from yet another collection agency regarding an account in my name that was fraudulent and the result of identity theft. I called the collections company and explained that there has already been another collection company which has dropped this matter due to ID Theft. They stated that they received the collection from XXXX. I told the agent I spoke with at the collection agency that they are not to contact me in any manner again about this matter and that I was filing two complaints today with CFPB- one re : their agency and a seperate one about XXXX . I have been dealing with ID Theft for over two years and I have placed freezes on all my credit reports, I have made police reports, reported it to the FTC and made several complaints on this website. I am weary of all this and I need some relief. 

This is regarding an account someone opened in my name and with my information in XXXX XXXX, FL at a fraudulent address. I am not sure if it was for cable tv, internet, phone, or what, but XXXX definitely does not do due diligence in opening accounts. They should not have been ABLE to open an account in my name due to a security freeze on all my credit bureau information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2016 about Consumer Loan (Vehicle loan) with GENERAL MOTORS FINANCIAL COMPANY, INC. (RI).
Issue: Taking out the loan or lease

Complaint: i sent gm financial a certified letter on XXXX/XXXX/16 in which they received on XXXX/XXXX/16 tracking number XXXX they have failed to respond to my request

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (VT).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: In  XXXX  of  XXXX  I began the process of consolidating all of my loans in order to enroll in th e Public Service Loan Forgiveness Program. I have   XXXX  sets of loan s (   XXXX  for  XXXX  and  XXXX  for  XXXX   ).  The newer loans were released for consolidation in  XXXX  of  XXXX , but the older ones were retained by  Navient. It  has taken me since  XXXX  of last ye ar ( countle ss hours on the phone wit h Navient a nd the new loan servicer ) to find out why the older loans were not released. Apparently, at some point during their history, my previously federal/public student loans, became " unsecured '', making them ineligible for release ( according to Navient ).  Navient is   either unable or unwilling to provide documentation showing when or how the loans became unsecured. I believe that the current " unsecured '' status of my loans is due to an error, either on the part  of Navient  or  one of i ts predecessors/previous iterati ons (   XXXX   XXXX , etc. ). After all these months and countless hours on the phone with  Navient, I am now (   XXXX   XXXX  ) being offered the option to settle on my loan. This further increases my suspicions that my loans have been mishandled. Along with the fact that I felt the supervisor that I spoke with last was condescending and threatening with me.

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2017 about Checking or savings account (Checking account) with KEYCORP (TX).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: The account was open in 2014. I am not sure who open an account, but it is reported and I am having trouble opening any account. I call the back to see if I had an account with them, but they said they do not have any record of me having an account with them. It report the account was pay in full and it was close for account abuse. 
Also the address they have on file is the address my sister use to resign as a resident not me.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have previously settled an account with Midland Credit Management in 2014. Of note midland is not the original owner. After speaking with the original creditor it was agreed that the tradeline would be removed from all of my credit reports. I was instructed via letter from the original creditor " We initiated the process of removing the tradeline from your credit history. However, any derogatory reporting of this account by any other lender will need to be addressed directly with the other lender.If you need to provide evidence of the requested change prior to the credit reporting agencies ability to update please provide a copy of this letter '' I relayed this information to Midland Credit Management and they refused to remove their report from my credit reports. It should also be of note that despite the account being settled Midland Credit Management continues to list the account as open on my credit report. It is disheartening to know that an account that has already been deleted by the original creditor is still being reported by Midland Credit Management. 

Midland also is reporting inaccurately across all of the credit bureaus. Information with regards to date of first delinquency, date of account settlement, and status of the account. 

I submitted a complaint to the business consumer alliance. They have attempted XXXX to get into contact with Midland Credit Management. Midland credit refused to respond to the the complaint. The complaint ID is listed below as a point of reference. 
Complaint ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2016 about Mortgage (FHA mortgage) with U.S. BANCORP (GA).
Issue: Loan modification,collection,foreclosure

Complaint: This debt was included in a Chapter XXXX Bankruptcy and the loan was not reaffirmed nor would the Judge of the Bankruptcy grant a reaffirmation because of the balance. They tried to do a loan modification with me and put me on trial payments, I have {$4800.00} sitting in a Suspense account that they have not applied to my account that i had with them. I have asked that funds be returned to me from U.S. Bank Home Mortgage and they are refusing to return the funds to me. This debt was discharged in my Bankruptcy back in 2012. I spoke with a guy named XXXX I was told that they call him XXXX, who was very rude about the situation, and point blank told me that I was n't going to get the funds back from U.S. Bank and they I should have never sent them in. U.S.Bank is in litigation in the United States District Court for the XXXX District of Florida Case No. XXXX, for charging people for placing Hazard, Flood, Flood Gap, or Wind place Insurance policies on Consumer 's residential property.

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 07-03-2015 about Credit card () with AMERICAN EXPRESS COMPANY (DC).
Issue: Rewards

Complaint: I held an American Express card for 1 year was closed down all of a sudden without warning and all my points ( ~ $ XXXX ) I had earned from purchases were taken back. I would understand if it was a sign up bonus that I had not earned, but these points were earned as a result of spending. I have contacted American Express over XXXX XXXX times in a span of 3 weeks and nothing has been done to return my rewards. I have held multiple cards over the last 7 years with American Express and for them to close down my account and take back all of the points without warning seems like an extreme punishment. Some sort of warning should be mandatory or at least payout the points earned. Please help me resolve the issue by having them reinstate my account or pay me out for the points earned. I have read of others who have also been shutdown without warning but were able to get paid out for their points ( which is an acceptable outcome ).

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2017 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: My current BK on my record has the length of time on my CB.

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 11/19/2015 about Debt collection (I do not know) with Coastline Financial Resources, LLC (AZ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: caller calls me at work from XXXX XXXX and gives a XXXX XXXX number to call regarding being served by uniformed officers regarding a legal case. no other information is given other than a case # and the name of coastline associates. when i look up the number they give to call i am finding scam alerts for credit card debt collection. I dont have any credit cards and i have never received any information by mail regarding debt collections

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2015 about Debt collection (Payday loan) with Financial Credit Service, Inc. (KS).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: Supposely I received a pay day loan from Money More XX/XX/XXXX and now being contacted XXXX They say that I am being charged with fraud and passing a bad check When contacting this company they said that I was given a letter of intent XX/XX/XXXX I have never received this letter. When I asked for an address to send pament they refuse to give me a address. They are supposely going to take me court and have me arrested etc .... Phone number for XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY).
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: Hello, I have tried several times to get to speak with XXXX as well as the credit companies ( XXXX, transunion and XXXX ) about the multiple inaccuracies on my credit. My student loan report " good, good, good '' for months in a row and then the following month will jump to 120 days past due. After that XXXX past due it will go back to good standing or they will not report for a few months. I do not understand this, however this is a reason I can not get approved for a home loan. Can anyone help with this?

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 07/27/2017 about Debt collection (Credit card debt) with JPMORGAN CHASE & CO. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: XXXX, XXXX in XXXX XXXX, IL .... sent me a letter saying I owed {$610000.00} ... .on a credit card debt that was dismissed during a bankrupcty in a case that started in XX/XX/XXXX ... ..got a letter in the mail on XX/XX/XXXX ... said they were trying to contact me for years ... this was the first letter I have received ... The said they were going to sue me and get a judgement on everything I own and attach my wages ... .. I called them and they said they would accept {$3100.00}. I am XXXX years old and I do n't want to be sued ... .did n't realize at that point it was included in a bankruptcy that was filed in XX/XX/XXXX ... I paid {$300.00} to them upfront and said they would not sue me if I paid the balance in 10 days.. after that, I realized that it was included in a bankrupcty .... I called back and talked XXXX XXXX was screaming at me, said now the entire amount is due ... .she hung up on me ... I was just trying to determine what this was about ... I have copies of my bankrupcty papers ... which includes the XXXX XXXX credit card ...

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2016 about Money transfers (Domestic (US) money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (HI).
Issue: Money was not available when promised

Complaint: on XXXX/XXXX/16 i purchase a MONEY GRAM from Money Gram Inter. The person i sent it to did not get it and when i phone the company for a status i get the run around. The company states that my transfer is under review and no one can give any answer to when or how my money will be available. This is not right for Money Gram to hold my money for any amount of time and i am unable to do anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ERC (MD).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Enhanced Recovery Co has been reporting a collection on my credit report for a XXXX account. I asked for validation and information as I do not have a XXXX account. They sent a XXXX bill with the same name as mine, but at an address I don't live at. I asked for them to please clarify to which I never received a response however they did update my credit report to show a balance due of {$160000.00}! I was denied credit twice during that time period due to their negligence. I reached out to them again demanding deletion and have certified tracking showing the letter was received by ERC. They have not responded, but changed the amount reporting to the credit bureaus again since. There are multiple clear violations to my FCRA rights.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation