milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/18/2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (PA).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: This creditor is using intentionally deceptive practices to keep you from paying the bill There is no way to login into account without the actual credit card but no credit card was ever sent to my home Since I did not receive any statement, I called XXXX XXXX XXXX who led me to the credit card agent who informed me my account was overdue. 

The agent said the overcharge fees would be refunded, but they were not The statement closed 22 days after the first purchases were shipped even though the terms were 30 days. 

There was no way to open a payment because no billing statement was ever sent ( you need the account number to login to the email/online payment center ) A notice was sent in email using an unusual name not matching the credit card name : " XXXX XXXX Credit Card '' was opened Synchrony was emailed. This was intentionally made to look like spam as I had no knowledge of any business with Synchrony Bank I requested a mailed statement of the first bill which arrived after the second billing statement closed causing another overdue fee I had two overdue fees before I ever was given an account number. The account number was needed to pay online. 

This company is fraudulently delaying and complicating the payment process to intentionally cause overdue fees.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/25/2015 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I am a XXXX year old female, retired. Due to decreased income and health concerns, it became increasingly difficult for me to make my mortgage payments. After almost two years of applying and re-applying with XXXX XXXX XXXX, I entered a trial modification period and received my permanent loan modification documents in XX/XX/XXXX My loan was purchased by Carrington Mortgage company, and I began making regular payments to them from XX/XX/XXXX - XX/XX/XXXX. In XX/XX/XXXX I received a Foreclosure Intent letter from Carrington. I was informed that I do not qualify for a HAMP loan modification. I was told that I could re-apply for a non-HAMP modification. I can not begin to tell you the stress that this has caused me. It has affected my XXXX health. I feel like I have gotten the run-around and do not trust anyone at this point. My mortgage payments for the past 9 months have been drafted from my checking account, but they have NOT been applied to my mortgage. This is disconcerting. In addition, I am continuing to accrue late fees and penalties on my mortgage balance. I am unclear as to my rights at this point. I am worried that I will lose my " dream '' home that I built and had planned on staying in until my passing. I am hoping that you can help me. 
Sincerely, Concerned Homeowner

Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2015 about Credit reporting () with EQUIFAX, INC. (NM).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax is ignoring my requests to investigate, verify and remove the inquiries from my credit report that were not initiated by me.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2017 about Credit card or prepaid card (Payroll card) with REGIONS FINANCIAL CORPORATION (WA).
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint: I received a letter from Comdata XXXX XXXX, Comdata Inc., XXXX XXXX XXXX, XXXX, TN XXXX, www.comdata.com, XXXX, saying that Comdata is pleased to announce two new improvements to my Comdata Payroll Mastercard. Except that I do not have a payroll card, and my employer does not pay people at all through payroll cards. My check is directly deposited in my bank account every payday. I called the company at the number above included in their letter inquiring why I was receiving this letter if I did not have a payroll card and do not get paid via payroll card. They insisted my employer provided them with my name and address, and I would be receiving a payroll card. I told them I spoke with my employer and this was not the case. I again asked why I received this letter at which time they started asking me for additional personal information such as my employer, which I did not provide. I continued to inquire, and they refused to explain the situation and only repeated many times that my employer provided my name and address and I would be receiving a payroll card - which I repeatedly told them my employer said is not true. Comdata was completely unhelpful at best and directly ducking questions at worst. They ultimately hung up on me rather than trying to get the the bottom of things. I still do not understand why I received this correspondence, which is unsettling with all the credit breaches as of late. Thank you.

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 06-01-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX Inquiries appeared on my Equifax credit report and Equifax in violation of the credit laws refuses to remove them. They need to be removed as they are not mine

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: On e  XX/XX/XXXX  my  wife and I received an email notice about a payment due on a  Capital One  account. The email was sent to my wife 's email address from  XXXX  XXXX  XXXX , but my wife does not have  a Capital One cr edit card. The email body indicated that it should have gone to another person with the same first name, but different last name as my wife.     On  XX/XX/XXXX  we called the support phone number for  Capital One t o be sure there was no fraud involved and the customer service rep told us that there was not and that it was most likely just a wrong email address or that the actual customer had potentially entered the wrong email address. We asked that her email address be taken off of their records so that we would not receive any further communications from  Captial One abou t payments being due.     Since then, we have received no less than  15 ema ils with varying degrees of urgency, personal information and balance information about the other person 's account and threats that they would seek legal action if the balance was not paid. We called back to customer service o n 3 sep arate occasions over the course of the next several months in  XXXX ,  XXXX  and  XXXX  and each time, the customer service representative informed us that they would resolve the issue and that we would no longer receive communications.     The last call we made was the week of  XX/XX/XXXX  and at that time, we informed the customer service rep that we would file a complaint with the CFPB if we received another email after 10 days of that call. Since then, we have receive d 2 more  emails, the most recent being sent today,  XX/XX/XXXX .     I am happy to block the sender and report the emails as spam, but I am also concerned as I want to be sure there is no fraudulent activity happening here. I have checked my wife 's credit report recently and there is no indication of any problems or accounts being opened that we are not aware of, but I think that it is irresponsible of  Capital One to  not resolve this sooner after we have given them months in which to fix the issue, and having been told several times that they would ensure we were no longer emailed.     Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
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: 1. I wrote and mailed a dispute letter to experian on XX/XX/XXXX 2. The responsed with a letter on XX/XX/XXXX stating that the account in question was verified by creditor but provided no documenation or  evidence 3. I called them on two occassions XX/XX/XXXX and XX/XX/XXXX to delete this account from my credit report and both times were denied My next step is to start ligitation against experian

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 12-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have tried on numerous occasions to contact Bank of America, XXXX, XXXX & XXXX to have someone help me get this fixed and either removed or have the late payments removed at the very least on all my credit reports. It seems no one is being help accountable and are just blaming the other company. For example XXXX tells me that Bank of America has to fix it but then Bank of America tells me the opposite. It is extremely difficult and frustrating to even try to get someone at Bank of America to fix this problem,. They are taking advantage of myself as well as many other consumer they have had in the past or currently have. I have read many news stories and reviews about their service and unwillingness to cooperate and help fix what they falsely report on people credit. This was a governmental forgiveness program and my balance was supposed to be forgiven (which they actually did forgive) and when I spoke to the customer service later back in 2012 she advised me that my balance will show up as XXXX on my credit report which it does). She also informed me that they will be removing the late payments that show up on my credit report as well. When I checked a few month after I received the forgiveness letter and spoke to the Bank of America customer service agent I pulled my credit report. I was happy they kept HALF of their promise (as was required by law) and my balance was XXXX. But the late payments were still showing (and are still showing to this date) even after a few months after I was told that they would be fixed on all 3 credit bureaus and removed so that my credit reports do not show any late payments. When I called back to ask why they have not removed it yet I was told that they had a glitch in Bank of America's system and that it would be fixed.Fast forward now to over 5 years, I still have the late payments showing and I tried everything I can possibly do to have them remove these late payments. I tried contacting all 3 credit bureaus, I tried contacting Bank of America. I have no other option now but to file this complaint for the government to intervene and help resolve this ASAP before I call a lawyer and contact the media in regards to this. Bank of America (as well as these credit agencies) are affecting people's lives and making promises that they don't keep. I believe that Bank America should be investigated in their practices. If they pull the phone calls they can actually hear the 2 different customer agents telling me that my late payments will all be removed from my credit files.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (MA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: My long term partner XXXX XXXX, after unsuccessfully trying to collect this debt from his estate this collection company aggressivly came after me. This is not my debt, it was not a debt I was aware of, I do not live in an area that would make me any way legally liable for this debt. After providing the requested XXXX certificate they simply removed his name from the debt and added mine. This is and unfair, unethical and not even legal way to collect a debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have been working with a company that is reporting incorrect information to your credit bureau under my social security number. Upon reviewing a copy of my credit report XXXX is saying that I owe {$380.00}. I challenge the accuracy, compliance and reportability of this listing. Please validate this information with XXXX and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

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 04/28/2015 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Dear CFPB, I am trying to resolve a debt collection dispute with this agency, XXXX which is a utitlity company in NYS. For years I have dealt with the unconscionable collection practices of this agency who has not considered that I am a XXXX XXXX person and has put my life in serious jeopardy. I filed a complaint with my XXXX and XXXX responded. They have not vaildated that the debt is owed by I, XXXX XXXX XXXX. They have not brought forth the contract expressed or implied written or oral that a debt is due and owing by me. 
Dear CFPB, I continue to be harrased and contacted by a debt collector to paid a debt that is not mine. I live on a fixed income and they continue to use unconscienable means to collect. 
Dear CFPB, there is a item that appears on my credit reports as a charge off/ bad debt. It is a XXXX/XXXX debt. It is being reported as settled. This company has not provided for me validation of the debt and the CRA 's have continued to report this information on my credit file without the furnisher of the information validating it 's authenticity that I, XXXX XXXX owes any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2015 about Debt collection (Medical) with American Capital Enterprises, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This number called my cell numerous times ; XXXX called today at XXXX,, XXXX XXXX, 2015 from American Capital asking for my daughter, who is a minor. I do not owe anything. All my bills are paid. I have excellent military insurance that give me a co-pay to pay which I have to do before services are rendered. I have repeatedly made this clear. I keep getting fraudulent calls and placed into collections for co-pays form XXXX XXXX XXXX XXXX XXXX of XXXX on XXXX XXXX. I have called back many times and are being harassed and bullied to pay expenses I do not owe. I have already paid several co-pays XXXX or that I do not owe to stop the XXXX billing practices, bills and phone calls.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Debt collection (Payday loan debt) with National Credit Adjusters, LLC (TX).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: XXXX  from national credit adjusters contact my employer and asking for my managers name.I spoke to a gentlemen name   XXXX   at national credit adjusters acct number  XXXX . I did tell them they can not contact me at work and i had already told them before. Still they did call me to my employer. as i was speaking to  XXXX  i did explain to him what i knew about not been contact at my employer. he then said i was uninformed and they could contact my employer anytime. i said i was hanging up and i would take care of the matter in a later time when i could and not to contact me again unless is by paper.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: Experian will not/has not removed the 2 judgements on my credit report due to the National Consumer Assistance Plan as of this date. I tried to submit disputes for them, but their website has locked me out from disputing those items as previously disputed. I tried contacting them, but no one will assist me over the phone about removing those 2 items since the records do not contain my DOB or SSN.

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 11/21/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MI).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I actually attended XXXX career institute in XXXX XXXX, MI from XXXX to XXXX. My school was XXXX down after coming under federal scrutiny for fraud, falsifying tuition, grades, and falsifying the promoise to help students find a job. They did not even help me attain my state license. Now I am close to XXXX in debt. Navient solutions currently is trying to collect on my student lloan, however after reading the information on the site it has come to my attention they may be doing more harm than good. XXXX other students had their loans forgiven after attending my school under XXXX colleges. My complaint is that mine have not been forgiven and that XXXX or navient may be charging me more than i need to pay. My school is no longer recognized, not even in your list of schools on site. I do not feel i should have to pay so much and keep falling into debt for an education that is hardly recognized by employers. As a matter of fact most people who attended this school have difficulty finding jobs. That is my complaint. I am getting overcharged for school tuition for a school that the government shut down.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2017 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (IA).
Issue: Credit line increase/decrease

Complaint: A Bank of America credit analyst agreed to open a new Merril Lynch card with sign up offer of XXXX reward points if I closed and transferred 4 existing accounts with their credit lines to the new card. I agreed to do so and received the new Merril Lynch card in the mail with its credit line of {$20000.00} plus ( from transferring my closed accounts credit lines ). Upon activating I was made aware the new card will not be honored per the original offer by the credit analyst and has in fact been closed. So, in addition to not being able to take advantage of the Merril Lynch offer and card, I also lost all the credit lines with the cards I closed by the credit analyst and to no fault of my own. I spoke with a manager in the credit department to address the issue and was told they would not honor the original offer and expectations that were set with me. I would like this to be done as it was Bank of America 's analyst who made these initial arrangements with 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 07-09-2015 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (RI).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I have a Wells Fargo student loan that went into collections years ago. I have been on a payment plan with them for several years now paying {$350.00} a month. The statements I receive just state thank you for scheduling your payment in advance and when it will be withdrawn -- with no balance etc. The last payment was made on XXXX XXXX and paid the loan in full. I have spoken several times with Wells at XXXX who verify the debt has been paid off..I have asked for a letter they said it could take several months and they are waiting on an attorney. I never received a letter that it was paid off -- I happened to call to see what the balance was ... I called the attorneys office at XXXX and they said they have no instructions on this and referred me back to Wells Fargo. I feel like I am getting the run around and if the debt is paid in full I would like that represented on my credit report. I tried disputing through all XXXX bureaus and it is still registering a XXXX balance and still in charge off status. When I called to ask why Wells is saying until they get paperwork from attorney ( which I have mentioned knows noting about this ) they can not show a XXXX balance..If it is paid in full in XX/XX/XXXX why cant I get this updated now?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2017 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: The item is not mine. Company has n't deleted item after I provided proof.

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 05-11-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (AR).
Issue: Credit decision / Underwriting

Complaint: mortgage payment of {$580.00} has inflated to XXXX and inflated escrow since ocwen lone servicing has bought mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2015 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (WA).
Issue: Application, originator, mortgage broker

Complaint: I am a realtor in the State of Washington. I represent a buyer who had an offer accepted on a short sale in XXXX, 2014 with Chase Bank. We do not have short sale approval. In XXXX we had an a BPO and appraisal and were told Chase would not counter and we were going to approval. To date we have not yet been approved. We are concerned Chase is stringing us along until prices increase and then will charge a high price. Other short sales in the building have closed already. We are worried this is deceptive business practices.

Company response to consumer: Closed with explanation