milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/28/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (CA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: We checked our credit scores today XXXX/XXXX/17, and notice that our XXXX XXXX XXXX XXXX card had lowered our credit balance from XXXX XXXX down to XXXX dollars with out notifying us of these changes. 
When I called the customer service line on XXXX/XXXX/17 at XXXX I spoke with customer representative, XXXX # XXXX. I asked her when and why our limit was changes without any notification to us. 
She replied, the change happen on XXXX XXXX and apologize that no letter was ever sent before the credit limit was set to change.Also id we, wanted a letter we were suppose to ask for one. 
I asked her to give me to the department that could correct our credit limit. 
She told me we would have to go back through the credit review and wait for approval. 
This is not okay for them to have to check our credit again. When we were never notified our limit would be changing due to inactivity on the account.

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 08/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Source Receivables Management LLC (TX).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: The XXXX account was removed from my credit file. The company Source Receivables Management has reinserted the the account back to my credit file with a new open date. Which is a violation. Also i am supposed to be giving a 5 day notice which i was not giving which a direct violation of the FCR law

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Rent Recovery Solutions (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Two and a half years ago i lived in an apartment complex in stone mountain ga. we had XXXX vandalized cars in the course of 2 weeks. i had to move on the other side of town for a new job. we owed them our lasts months rent. that was XXXX $ they have a XXXX debt on my credit that actually i disputed that got removed but they put it back on and I 'm trying to buy a housestate .They have illegal posted derogatory information on your credit report illegally and will not provide me signed supporting documents stating you engaged in any type of business with them or their customers. I demand they provide letter on their company letter head exonerating you of any financial activity including the account number that reflects on my credit report. Also please remove this completely form all three credit agencies : XXXX, XXXX, and XXXX. ''

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2015 about Debt collection (I do not know) with National Principal Group, LLC (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: NPG National Principal Group XXXX has been calling my cell phone several times a day leaving screaming messages, threatening to use any means necessary to find a family member of mine. They use a recording to state the family member name they are looking for but the rest of the message is live. They state I need to call them right now and provide them the information they seek regarding this family member or they will continue to use any means necessary to locate this person. I called them, a woman answered when I asked for her name and her company name because she just picked up the phone with " hello '' she began screaming at me wanting me to give her my cell phone number. I told her I was n't giving any information until I knew who she was and what company. She said XXXX and NPG. I asked what NPG stood for and she screamed at me stating I needed to allow her to assist me by giving her the information she asked for or she would disconnect. She stated I better let her assist me or she was disconnecting then counted to XXXX and hung up. I called back she answered again. I told her she could tell me what her company name was and why she would be looking for a family member or I would not help her. She then said she could not tell me the " plethora '' of things her company did. I asked what NPG stood for and she finally gave me National Principal Group. I again asked why they would be calling me about a family member. She stated she could n't tell me that until I gave her the family member name or my cell phone. I told her I ca n't give her anything until she tells me what her company does, she again refused to tell me what her company does. I said well then I ca n't help you with the information you seek from me and I hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2017 about Debt collection (Medical debt) with Remex, Inc. (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX   XXXX   XXXX  is reporting a dept on my credit report in the amount of {$170.00}.   I am getting harassing phone calls from  REMEX INC. w hich is the debt collection agency that  XXXX   XXXX   XXXX  submitted the debt to. Each time no one would give me any information. I never received documentation from  XXXX   XXXX   XXXX  or  REMEX INC. statin g that I owed {$170.00} or even for what service was provided as the reason for owing.     I found out about the above issue by pulling up my credit information before I recently purchased a vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2015 about Bank account or service (Other bank product/service) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Account opening, closing, or management

Complaint: This is a concern with companies in general. The retention of personal information i.e. email, phone number, address, and social security number even after business with a company is no longer prevalent. Specifically, Capitol One 360 has said information and according to their policy they can not delete the it. In light of recent hacks to many consumer 's financial information I am concerned about having that on file from a company which I no longer conduct any business. They may notify me after the fact of any breach, however, what is a person to do if their information especially Social Security number is compromised. It would be proactive to not have that information available in the first place, especially when all accounts are closed. Lastly why do they need to keep this information? With several companies, XXXX and XXXX in particular, data mining people 's information only to be sold to advertisers and whomever else for profit, I can only speculate as to what these financial institutions are doing with this information. I write asking for a proposal for legislative change that gives the consumer power to redact and delete their details from companies when they choose to no longer conduct any business with them. In the mean time are there any other means a consumer can use to achieve this? It appears we 're all at the mercy of the company 's policy.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2017 about Debt collection (Other debt) with Perfection Collection (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX came to my home to install an alarm two years ago. The alarm was not installed correctly. I called several times and once a technician came out to my house and still continued to have the same problem. I called them and advised that I no longer wanted an alarm that did not function correctly. I told them they could come and pick up their equipment at any time. To date, I have never received any notification from XXXX or further billing. Now I see that the debt has been reported to my credit report by a collection company.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I initiated an request for removal of a {$5400.00} federal tax lien on my Transunion credit file on XX/XX/2018. The federal tax lien was satisfied, released and withdrawn by the IRS. The IRS filed form XXXX Withdrawal of Filed Notice of Federal Tax Lien After Release with Clerk of Superior Court of XXXX XXXX XXXX XX/XX/2018. 
Transunion responded on XX/XX/2018 that it was being reported accurately. 
I verified with the Clerk of XXXX XXXX that this federal tax lien has been withdrawn and it is no longer reportable. 
Transunion did not properly contact the Clerk of XXXX XXXX to verify this lien.

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 02/23/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: My credit card company decided to side with a merchant who rendered no services. I don't even know how something like this happened as no credit company I've ever had would do this. I was asked no follow up questions during their " investigation '' and would like my money back considering the merchant did not provide any services and I received nothing from the merchant. It boggles my mind how Citi decided they deserved money for something that was never done.

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 08-09-2017 about Checking or savings account (Checking account) with FIFTH THIRD FINANCIAL CORPORATION (MI).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: Back in XX/XX/XXXX I had a checking and a savings account with 5/3 bank. I had the checking account set up to automatically send a check out each month to pay a regular bill ( home owner 's association ). I would receive the rent check ( from the people renting ) and deposit it into this account each month to cover the mortgage and association. I had to move out and rented it out to try and keep it when I had no income and had to file a bankruptcy. Well when the rent was late one month, 5/3 still sent a check from my account when there were no funds to cover it without my knowledge. I still had XXXX sitting in the savings account with 5/3. I was never notified of anything and because I was n't receiving rent, I was n't using 5/3. Cut to XX/XX/XXXX when I was working in the mortgage dept of a credit union as a temp. When they offered me a job and i had to go through all of the hiring process. This is the first knowledge I had that 5/3 had submitted my name as someone who writes fraudulent checks to XXXX and then sells the " debt '' ( for a check I did n't write! ). For years now, I not only receive nasty phone calls and threats but they call people in my family and hound them and tell them they are filing charges against me to try to scare them. It is absolutely disgusting! I called and called and went into fifth third, to try and rectify this at the time that I found out about it. Needless to say that when I was desperate for a job, I was not hire-able and lost my job! I only got the run around from fifth third, every location told me to try a different number/ office and absolutely no one in the company could tell me how to escalate anything. It was an absolute nightmare! And it goes on and on! Even if i paid one of these people harassing me, I am told the only way it will ever be removed from XXXX is by fifth third and they will not do it because they do not own the debt anymore. Every time this debt is sold to someone else and they make a query on it, it renews for another 5 years!!!! These people will never stop harassing me and my family. I even filed a complaint with the BBB ( which is a joke ) and they did n't even bother contacting them!

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I lost my business in the recession in XXXX and was forced to file for bankruptcy.My house that I had at that time was included in that bankruptcy and discharged but Bank of America /XXXX ( not sure- this loan has been sold many times ) continues to send me notices that I not only owe the loan amount but interest they have calculated since then which they say is double the amount of the original loan, which they are claiming close to XXXX dollars!! Even though, I put down {$280000.00} deposit when the house was purchased in XXXX. I do n't know why this is continuing after all this time has past. I have also been sent recently a foreclosure on that same property from 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 05/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with LEXISNEXIS (NV).
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint: The company, Lexis/Nexis, XXXX XXXX XXXX XXXX, WI XXXX  has a renewal Notification dated XX/XX/XXXX report that shows my homeowner insurance policy with XXXX, # XXXX XXXX, policy from XX/XX/XXXX to XX/XX/XXXX, at XXXX XXXX XXXX XXXX NV XXXX  WITHOUT earthquake insurance with a premium amount of {$800.00}. XXXX ( XXXX ) has this same total WITH earthquake insurance which I pay for in this total. Despite many written requests Lexis/Nexis has not replied to me or corrected this error. Help!!!
XXXX XXXX XXXX XXXX ps ... the actual postcard from Lexis/Nexis was addressed to XXXX XXXX XXXX  at the address above.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I notified Navient that I was in the process of filing a chapter XXXX bankruptcy in XX/XX/XXXX. They were fully aware of my hardship and purportedly initiated a forbearance on my account. My Bankruptcy was filed in XX/XX/XXXXand discharged in XX/XX/XXXX. Navient continued to mark me late through the bankruptcy period. What is the purpose of a bankruptcy when a company like Navient can destroy your credit worthiness regardless of your bankruptcy protection. Its absolutely amazing that a homeowner can file bankruptcy and have his XXXX XXXX dollar home foreclosed upon, the government eats half that loan in a hypothetical situation and that homeowner goes on to buy a new home in two years. With FEDERAL school loans your are held XXXX for the rest of your life. Make no mistake about it the fed gives Navient their power! It's my understanding 1 in 4 or approximately 11 million " students '' loans are in default. What does our government think is going to happen to those 11 million people in default. Probably won't be able to rebuild their lives, get a job if their credit score plays a role and may very well become the responsibility of the state in one way or another. Should I go seek the local loan shark and get these people out of my life?

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with U.S. BANCORP (OK).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: filled out an application for a us bank corp credit card at an XXXX XXXX XXXX XXXX store for {$15.00} dollars off on my purchase, the application was approved a few days later I received a us bank credit card along with a congratulations letter. the card had an activation number on it stating call this number to activate your new card I called the number and put in the card number and was congratulated on activating the card. a day or 2 I tried to use the card for a small purchase and the transaction was refused, i paid for the purchase myself and came home and called us bank, they stated that they had turned it off because they needed more information, they stated they wanted me to fax a copy of my birth certificate, social security card which I had already submitted and shown to the person at the store and a copy of my drivers license again which i had already shown to the person at the store. now here 's where this all goes bad and wrong my application was approved number 1, my card when i received it was activated by us bank number 2, then us bank turned it off I assume immediately without any notification number 3, now this one is where i get the bad news, my credit score drops 75 points number 4. all this for a XXXX dollar purchase. CAN YOU HELP!

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 04/20/2015 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (MD).
Issue: Account opening, closing, or management

Complaint: PayPal limited my account and then closed it within XXXX hours without providing any documentation for why they are closing the account. They are also holding my funds ( {$1400.00} ) for 180 days before even telling me how I can get them back. They are refusing to respond to my emails/questions as well as refusing to deposit my funds into my linked checking account. I find it completely unacceptable that I would have to wait 6 months to collect the money that is in my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-08-2017 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: Account status incorrect

Complaint: In XX/XX/XXXX I paid the mortgage at the end of the month which it was not 30 days past due and the company reported it as 30 days past due and when I wrote a letter for them to fix it they told me to go to the credit bureaus that it is their problem and the credit bureaus said it was the mortgage company that had to fix it. I havent been 30 days late and I would like this to be rectified and since the mortgage company and credit bureaus will not help I am seeking your help with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (GA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I have asked for validation and verification on several occasions and these individuals have not been able to validate and verify pursuant to 15USC1692g, and 15USC1681. This DEBT COLLECTOR AFNI, INC., or any of their constituents have not been able to give me anything that substantiates information I have asked for. So this DEBT has sufficiently been disputed. 
This DEBT COLLECTOR AFNI, INC., has sent dunning letters saying I owe them money because they bought this from some other individual. These individuals have put entries into my personal credit reports and they have been successfully disputed but they still show up as my account. I did not give them my private non-public information so I do not appreciate this being sold to this CORPORATION according to the FDCPA accounts ca n't be sold. This is IDENTITY THEFT PURSUANT TO 16CFR603.2. They do not have the authority to go into my credit report and put in anything that is why they must stop this non-sense. I have asked these DEBT COLLECTORS to CEASE AND DESIST contacting me but they continue to do so. 
They have harmed my consumer purchasing power which is the natural person pursuant to the ( FDCPA ) Fair Debt Collection Practices Act 15USC1692c, d, e, f, g, and j respectively. I am not in COMMERCE where the Person is buying from one CORPORATION TO ANOTHER for a CORPORATION. 
I have contacted this DEBT COLLECTOR on several occasions and they continue to contact me with their blatant attacks on my character, and i am feeling ashamed, embarrassed and I do not sleep much because of my Credit Report being torn apart just because I want to secure things for my personal, family or household use.. I did not give my permission for this DEBT COLLECTOR AFNI, INC., to contact me pursuant to 15USC1692c. I never asked this DEBT COLLECTOR AFNI to open up any account in my name with my Social Security Number or any of that. This Debt Collector needs to Cease and Desist Collecting on something that I do not owe them. 
This Debt Collector continues to try to get me to contract with them. I did not agree to have my information shared with this DEBT COLLECTOR AFNI, INC., this is aiding and abetting with another to commit fraud on the Consumer who is a natural person is a crime.

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Lein has been released back on XX/XX/2015 experian still shows this on my credit report they need to remove this judgement

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/18/2017 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Midland Credit is trying to collect a debt from me that I do not owe. I have never heard of this company nor have I ever done any business dealing with them. They are reporting inaccurate information on my credit report. I did not sign any contractual agreement with this company and I do not have any contractual obligation to pay this company. Also I did not receive a dunning letter to get a chance at rebuttal before reporting to the credit bureaus.

Company response to consumer: Closed with explanation