milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-06-2015 about Credit card () with AMERICAN EXPRESS COMPANY (CT).
Issue: Credit determination

Complaint: I applied for a business credit card through Amex. They sent me a " pre-approved '' mailing pack and they gave me XXXX to open. As I was talking to the customer service rep I explained that most of my cards had higher limits. His exact response was that all I had to do was apply for a higher limit and Amex would " take care of me on that one ''. So I did-like an XXXX. I applied for an increase on my personal XXXX card which I got in 30 seconds and then I applied on my Amex business card the same day. Amex denied me. So I was thinking maybe the credit line is too new --. And the csr lied to me. So i applied for a credit increase on my personal Amex card as well. Denial. I hate Amex and their lying customer service reps that promise me an increase if I applied for one and led me to believe that if I had did a hard inquiry I would get the small credit increase of XXXX. They should not be able to lie like that --.

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I sent experience a copy of the court papers where me and my sons mother went to family court and she told the judge that she never filed for child support and the judge could not get any information from child support inforcement and the judge closed the case with no arrears and experience still has it on my credit report and still missing most of the information that 's supposed to be listed and what is listed is not true

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2016 about Student loan (Non-federal student loan) with ECMC Group, Inc. (WA).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I keep getting calls from my student loans a new company took over a couple of years ago and I tried to talk with them but just wanted money no matter what and would not hang up until they had some money. since then the call have been getting more and more each day now receiving about 5 calls per day. Premiere Credit XXXX 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 04/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Credit Protection Association, L.P. (TX).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: While checking my credit report in  XXXX   2017  I noticed that  XXXX  company was being deleted and then it reappeared. I 'm not really sure why  the company feels the need to delete and then re-add the debt which in returns causes my credit score to go   up and down.

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 08/30/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (TN).
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint: Credit limit was first increased then they decreased it. No payments were missed and have never been late in all the years and never been over the credit card limit since doing business with them. Telephoned creditor to inquire why credit limit was decreased. They advised they needed to decrease it due to ability to repay. Advised them this made no sense as I have never been late or over the limit with them. Later they pushed to try and have me setup an automatic payment with them. I refused to do so as I stated that I have never been late or over the credit limit with my account. Since Discover card reduced my credit limit my credit score was negatively affected and decreased my credit score. This has had a domino affect now with my other creditors who have subsequently reduced my credit limits which has further reduced my credit scores. Again I have never been late or over the credit limit with Discover or XXXX. Because of Discover it has adversely affected my credit scores and credit limits with other creditors due to no fault of my own.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2016 about Mortgage (FHA mortgage) with U.S. BANCORP (NM).
Issue: Loan modification,collection,foreclosure

Complaint: My father and I are on a FHA home mortgage through U.S. Bank. Having fallen behind on monthly payments due to a loss of income due to the separation between my son 's mother and I, my father and I began talks with U.S. Bank representatives for their loan mitigation services XX/XX/XXXX. Since that time, we have not made any progress with the loan mitigation as far as a resolution, and have even used XXXX separate " relationship managers. '' Around XX/XX/XXXX, they denied our request andsent us to foreclosure, informing us that we could no longer make monthly payments. Soon after, we re-applied, were accepted, and began talks with our XXXX relationship manager. We resumed monthly payments until XX/XX/XXXX. Again, after much deliberation on the part of U.S. Bank and our then relationship manager, we were sent once again to foreclosure, due to claims that we did not provide proper income verification. We applied yet again XX/XX/XXXX, were once again accepted, but during the same week, were served with court documents from U.S. Bank as plaintiff in regards to the foreclosure of our home. WE are unsure as to whether we are being placed in foreclosure or continuing with loan mitigation.

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 06-05-2015 about Consumer Loan (Installment loan) with SYNCHRONY FINANCIAL (CA).
Issue: Managing the loan or lease

Complaint: In XX/XX/XXXX I took out a XXXX loan from GE Capital. It was transferred to Synchrony Bank shortly after the account was opened. I did not receive statements or invoices from Synchrony Bank. I did receive a call after 60 days from their accounting/collections department requesting payment, at which point I mentioned the lack of statements or details on configuring automatic payments. I received no information on configuring automatic payments or statements, but was contact again each 60 days to make another {$630.00} payment. In late XX/XX/XXXX I got upset and asked that the representative or their manager to assist me with getting my online account setup so that Autopay could be enabled, and that I would make the payment online instead of over the phone. They assisted me with creating my account. I added my XXXX XXXX XXXX checking account to the methods of available payments. I had to clear the outstanding balance of {$630.00} before autopay could be enabled, so submitted a payment for the outstanding balance of {$630.00}. Afterword paying the outstanding balance I enabled the Autopay feature using the same XXXX checking account. After this I did not receive another call from Synchrony Bank until the morning of Saturday XXXX XXXX, at which time I was told that the account was now 3 months past due, and a payment of {$1300.00} was required immediately. I immediately made a payment to Synchrony Bank over the phone and inquired as to why auto pay was not covering the balance. The representative had no ability to check on my online account, they were only able to collect the payment. I went and checked my Synchrony account online and even though my bank account is clearly still a method of payment the autopay feature is disabled for my account. On Monday XXXX XXXX I received a collections letter from XXXX XXXX XXXX XXXX XXXX. The envelope was postmarked XX/XX/XXXX, the letter was XX/XX/XXXX The content of the letter started off with " The above referenced account has been referred to our office for collection. Previous attempts have been made by the creditor to obtain payment of this debt. As of this date, those attempts have not been successful ''. However the account was brought current 2 days before the letter was written, and the outstanding balance was zero as of that date. I found out that Synchrony Bank or XXXX XXXX XXXX submitted a report to the credit reporting agencies and negatively impacted my credit score.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06-11-2015 about Credit card () with TD BANK US HOLDING COMPANY (DC).
Issue: Closing/Cancelling account

Complaint: I opened a Target REDcard managed by TD Bank in XX/XX/XXXX. This week ( the week of XX/XX/XXXX ) they closed my account due to 18 months of inactivity. I called, and they refused to re-instate the account. However, I reviewed my Account Agreement, and there is no language regarding inactivity in the Agreement. TD Bank should be required to re-instate my account because of the language in the contract that they themselves wrote.

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2015 about Payday loan () with CURO Intermediate Holdings (FL).
Issue: Charged fees or interest I didn't expect

Complaint: On XXXX XXXX I applied for a Loan with SpeedyCash. I originally applied for a loan with XXXX but somehow got routed to Speedycash.com. The APR is 360 % and im charged interest daily since the start of the loan XXXX. I was unaware of the high finance charges when speaking to the respresentative. I called the XXXX number when I found out the loan was n't with the correct the lender. Also after further research I found they accepted my loan with incorrect information. My home address and license does not match what they have on file. I was suprised to find this out after following up with the agent. It 's unfortunate I lost my job after the initial loan take out which is why i needed more time to pay the loan back. The company has my current banking information. I wasnt able to find the Speedycash.com as a reputable lender. At this time I am not sure of what my options are. I could really use some guidance in how to pay back the loan minus the fees, interest, and stress. By the time I 'm done paying the loan i would pay double if not more. At a rate of XXXX on a XXXX dollar loan. 

SincerelyXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ARVEST BANK GROUP, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have filed two disputes to update the following information one on XX/XX/XXXX and one on XX/XX/XXXX - nothing has been done. Please see below as this is the information that was sent to the bureaus. <P/>The following account needs to be UPDATED AND CORRECTED : Creditor Name : ARVCNTRLMTG Account Number : XXXX The account being reported on my credit report is inaccurate contains inconsistencies and is misleading ; Reports are stating multiple inconsistencies that need to be addressed and corrected. Two bureaus are reporting an Open status, while while the other is reporting as derogatory, this is inaccurate this mortgage is OPEN and needs to be reflected as such. My monthly mortgage payment is incorrect on all three reports and should reflect a monthly payment amount of {$1900.00}. One bureau is reporting no term which should reflect 360 months. The payment status is incorrect on XXXX and should show a payment status of current. The dates being reported as last active are all inconsistent.
This is a current mortgage and the dates need to be reflected, this mortgage should be in a positive status and all of my on time payments and information need to be UPDATED. Due to the inconsistencies and multiple errors being reported this account must be UPDATED immediately. You are currently violating the fair credit reporting act by reporting multiple errors and inconsistencies. You are violating my rights granted to me under the ( FCRA, FDCPA, etc ) Each error needs to be corrected and updated or I will be reaching out to the FDCPA for violating my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2015 about Debt collection (Medical) with KelKris Associates Inc (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I HAVE SENT CREDIT BUREAU ASSOCIATES 3 REGISTERED LETTERS IN REGARDS TO AN UNKNOWN ACCOUT ( XXXX ) THEY HAVE PLACED ON MY CREDIT. TO DATE IT HAS BEEN 7 MONTHS AND THEY HAVE NOT RESPONDED TO ME BUT THEY STILL REPORT THE DEBT. I HAVE A POLICE REPORT ON FILE WITH THE XXXX POLICE DEPARTMENT.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2015 about Debt collection (Non-federal student loan) with AES/PHEAA (TX).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: My daughter was contacted by this company ( XXXX ) about student loan. She was threatened by wage garnishment and threatening to call her corporate office to inform others of said debt. 
When I called, they told me that i needed to get another job to help pay.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2017 about Debt collection (I do not know) with BTH Management (CO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: Apparently, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, SC. XXXX, ( XXXX ) XXXX? purchased a discharged debt from a company which appeared on my credit a few months ago. The debt is scheduled to be removed in XXXX or XXXX. I telephoned and wrote to the above company to learn more about said debt and/or to remove it from my credit with no response.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (IL).
Issue: Loan modification,collection,foreclosure

Complaint: JP Morgan Chase put my house in foreclosure the beginning of the year. In XXXX, I paid all attorneys fees and backed payments to have the mortgage reinstated so I could sell the house in question. I followed all procedures as laid out by Chase 's attorney, XXXX, and my mortgage has still not been reinstated. I can not sell my house now as it is still listed as in foreclosure. Chase has been no help, and XXXX will hang up the phone on me every time I call. All Chase tells me is that on their end it 's no longer in foreclosure, but the foreclosure is still filed and not released yet. They are " looking into it, '' for going on two months now. 

My real estate agent has informed me that I will most likely never be able to sell my property for the amount that it is worth, since Chase has ran a foreclosure ad in the newspaper about my property, and that ad is still running. Furthermore, anyone can look up the property address and see that foreclosure has never been released.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I contacted Equifax on XX/XX/2016 ; to dispute the account, and as of today, XX/XX/2016 ; I have not received a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/30/2017 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MI).
Issue: Settlement process and costs

Complaint: Bank of America Home Loans provided incorrect information as to where I should wire our down payment for our new home. We ended up following their instructions and wiring the money and were informed later that the funds had n't been received. Our funds are currently in limbo as a result of Bank of Americas 's complete incompetence.

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 03-07-2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I really need help because I have been disputing a few accounts on my file for a few months and I am getting no where with the bureaus. I asked for their assistance and I did not receive it. I asked for them to put a temporary fraud alert on my file and they did n't. I asked for the documents that were used to " verify '' these accounts and they did not provide them. this is my last resort and I have already consulted an attorney in regards to bringing a lawsuit against them. why are they making this so difficult to remove these inaccuracies when that is their job to make sure this stuff is actually accurate? They did not investigate these accounts and if they did, they would have the documentation to validate these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2017 about Credit reporting () with CAPITAL ONE FINANCIAL CORPORATION (SC).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I wrote letters to Capital One and XXXX asking them to investigate and REMOVE the inquires form my credit reports from XXXX BUREAUS because they were hard inquires and there was no basis for the inquires. I did not apply for anything with Capital One. It has already been investigated and the still want 60-90 days for this to be removed but it should not have been there in the first place. I have attached supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: My husband lost his job in XXXX weeks before we closed on our house and we tried to pull out of the loan and instead they told us they would open up a home equity line to help us pay the mortgage until we were back on our feet we ended up financing almost 100 % of the home price We tried renegotiating the loan several times to get rid of the home equity line because we were only able to pay the interest on it but because of declining home prices and the economy no one would touch our mortgage I had to close my business and XXXX and file an LLC chapter XXXX I reaffirmed both the mortgage and the home equity line however when we tried for a loan modification in XXXX XXXX I suddenly started receiving letters about a bankruptcy and charge off of our home equity line when I looked at my credit report I noticed it was reported to the credit agencies that the home equity line was included in the bankruptcy and it was not I contacted Wells Fargo about it and the credit agencies but Wells Fargo insisted that it was not reaffirmed even though I sent proof to them and the credit agencies then they told me the credit line was charged off and if I wanted to continue to pay it there would be no more interest accrued and I would be paying down the principal My credit score declined after they reported this now we received a letter stating that the equity line is in a repayment process and we must start painting paying {$350.00} a month in XXXX we have been waiting to hear the outcome of our loan modification since XXXX XXXX and have been getting a run around ever cents please helpWe owe {$270000.00} on the house plus an additional XXXX on the line of credit and the house next-door to us just sold for $ XXXX applying for the home modification we were advised by Wells Fargo home preservation specialist to become a month behind on our mortgage or it would look like we were able to pay the mortgage and we would have a better chance of the modification if we were behind in payment

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2015 about Credit card () with SYNCHRONY FINANCIAL (AZ).
Issue: Other

Complaint: I can not sign into my online account so that I may manage my credit card account. I have called the credit card companies Customer Service department many times in the last 2 months and my issue is still not resolved and they will not give me any kind of timeline in which it will be resolved or what they will do to resolve the issue. I do not feel safe using my credit card if I can not track my account online myself.

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have submitted all info in reference to many accounts and inquiries opened in my name. I have provided police report, FTC affidavit, copy of my driver 's license, social security card, bill, etc. I have advised them that many of these accounts, broken lease ( which I have provided to XXXX XXXX ), inquiries, etc are not mine. I am livid, XXXX that I have done what I need to do, provided information, etc and still have not gotten correct remedies to the situation. I have attempted to reach out to these companies and have been advised that my information was used and provided ( hence the reason I have obtained a police report and FTC affidavit ). I should ONLY have inquiry fom XXXX XXXX XXXX of XXXX, Department of Education, XXXX and XXXX 2016 this is it ... XXXX was opened fraudulently in my name as I lived and have provided info to this company that I lived XXXX Tx, and have only had a XXXX. This is ridiculous as these companies are ignoring the fact that I have provided and stated this is fraudulent and are still reporting this on my Credit Bureau Report with no help from the reporting agency.

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