milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX show up on my credit history ( XXXX, XX/XX/XXXX ) XXXX XXXX XX/XX/XXXX XXXX ) do not have any knowledge of this inquiry XXXX XXXX XXXX XXXX XXXX XXXX ) do not have any knowledge of this inquiry XXXX XXXX XXXX XXXX XXXX ) do not have any knowledge of this inquiry XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX ) never gave them auth. to run my credit. I explained to the guy you can just give me numbers without running my credit. 

XXXX XXXX XXXX XXXX XXXX ) do not have any knowledge of this inquiry it should only been XXXX inquiry which it was on the XX/XX/XXXX Gap ( XXXX XXXX ) do not have any knowledge of this inquiry Chase ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) do not have any knowledge of this inquiry XXXX XXXX XXXX XX/XX/XXXX ) do not have any knowledge of this inquiry XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX ) do not have any knowledge of this inquiry XXXX ( XXXX XXXX, XXXX XXXX ) do not have any knowledge of this inquiry

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 11/15/2016 about Prepaid card (Payroll card) with Empowerment Ventures, LLC (LA).
Issue: Fraud or scam

Complaint: Friday, XX/XX/2016 I cancelled a layaway at XXXX and the {$400.00} was credited back to my prepaid card. Rushcard credited the account in an hour and then blocked the card for potential fraud. i used the card to do the layaway at XXXX that is the reason the money was refunded back to the card. rushcard states i never used the card at XXXX which is a lie. i have {$280.00} that i do n't have access to plus i will receive a direct deposit to the card in 2 days that I will not have access to. They claim the corporate office has to review the matter and release the hold. I have submitted a documents requested such as id, ss card, proof of address and receipt of transaction at least 4 times since Friday still no resolution. this is causing me a financial hardship and i am very disappointed with Rush card. I want to officially file a complaint on Rush card.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2015 about Bank account or service (Savings account) with TD BANK US HOLDING COMPANY (FL).
Issue: Account opening, closing, or management

Complaint: I filed a CFPB complaint against TD Bank on XXXX XXXX, 2015 -- Case number XXXX. TD Bank 's reply was not at all satisfactory. Aside from the reply 's failure to address the issues I raised in my complaint, it claimed that TD deposited {$30.00} to my account as compensation. However, I never received any such deposit -- in any of my TD accounts. Therefore, I filed a dispute on XXXX. I still have never received the said {$30.00} deposit, nor any communication directly from TD. I believe that their actions, as described in my original XXXX XXXX complaint and XXXX XXXX dispute, constitute unfair and deceptive practices. Given the absolute black and white nature of whether or not they made the said compensatory deposit to my account, in addition to the many other issues regarding crediting my savings account with the wrong interest rate multiple times, I believe that it is appropriate for me to file this new complaint, as was suggested to me by a CFPB phone representative. As detailed in my original complaint and dispute, I fear that countless other TD customers are being paid far less interest than what they are entitled to, and that they are not aware of the situation and/or do not have the ability to deal with the problem. Also, I am amazed that TD stated to your Bureau that they made a deposit to my account which, now, weeks later, still has not been made. 

Please note that I just moved to XXXX FL from XXXX MA a few days ago. My original address was XXXX XXXX XXXX # XXXX, XXXX, MA XXXX ; my original phone was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2016 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Application, originator, mortgage broker

Complaint: I applied for a cash out refinance with Bank of America. Went through the entire process all the way to setting up a closing date. Ten days before we were to close the loan got denied because I have XXXX exemption on the property. BOA should have ask or known about this long before setting up a closing date. I would like a refund on the appraisal as the loan never should have gotten to the appraisal process. They had all tax info including my Federal returns that clearly show a loss or profit from farming, three weeks before the appraisal. If XXXX exemption is an automatic denial for a loan it should be XXXX of the first items asked or looked at. BOA was negligent and should never had went as far in the process of making me pay for an appraisal. The loan should have been denied in the first days of the process before the appraisal.

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 05-04-2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (NJ).
Issue: Making/receiving payments, sending money

Complaint: My elderly mother and I went to a Wells Fargo Branch in XXXX XXXX, XXXX where my mom has an checking account. My mom asked to add me onto her checking account so that I could pay her bills while she is receiving medical care. The gentleman asked name, address, ssn, date of birth and place of employment? I answered all questions thinking this was for adding me to the account even though I was puzzelled by employment question. The rep never said what he was collecting the info for? He returned to inform my mom and I " that my credit would not allow me to be added to her account! '' My mom was very upset over the news. I asked the rep " did you run a credit report '' inwhich he replied " no I did n't ''. A week later I received a note from XXXX that Wells Fargo had run a credit request! Should n't I have needed to sign an consent to release my credit report to Wells Fargo and should n't the rep have only released that information to me?

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2016 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am writing to dispute the following information in my file. The items I dispute also I have the attached copy of the credit report I received. Such as credit account, judgment, etc. ) Is ( inaccurate and incomplete ) I am requesting that the item be remove corrected. 
Please reinvestigate this ( these ) matter ( s ) and ( delete ) the disputed item ( s ) as soon as possible.

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 02-01-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with Specialized Loan Servicing LLC (MI).
Issue: Loan servicing, payments, escrow account

Complaint: I had finished a " Making Homes affordable '' program here in Michigan with Specialized Loan Services ( SLS ). They received an allotment of money from the program each month and I furnished a lower version of my normal monthly premium. When the program came to an end, my mortgage went back up to its regular amount. I began making a regular payment and certainly able to do so, now that I am on retirement social security. Without notifying me ahead of time, SLS switched my mortgage back to XXXX XXXX XXXX XXXX XXXX XXXX. I was notified only after the fact, when my payment was en route through the postal service. Within a very short time, ( again without prior notification ) XXXX sold my mortgage back to SLS. Again only after I had sent out another payment. I have been making steady payments with no issues, but two days ago i received a certified letter from SLS saying they are going to foreclose within thirty days, because there is an arrears of XXXX. I am enclosing copies of receipts of my payments and all letters I received.

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 02/22/2017 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I would like the words " Account in Dispute '' removed from all accounts on my credit reports from the XXXX credit bureaus where it 's listed. I am not disputing any accounts listed on my credit reports as of this writing.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My personal financial information was compromised as a result of the recent Equifax data breach. 

Equifax 's public response and offer of remediation is wholly insufficient. Given that my SSN was stolen, a number that will stay with me my entire life, a year of free credit monitoring is not enough.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with EOS Holdings, Inc. (MA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: EOS CCA was assigned to collect on an alleged final bill from XXXX XXXX. They never sent any communication or a dunning notice to me. The address in the bill was incorrect even though both EoS CCA and XXXX XXXX had my correct address ( see attachments ). Additionally, although by their own admission the debt is from XX/XX/XXXX, they have incorrectly reported it on my credit report as XX/XX/XXXX, which will make it stay on my report an additional XXXX years. I never became aware of this debt until I saw it on my credit report. Even though they have violated the rules set to protect consumers like me, they have refused to do anything about it. I had no problem paying it, if it was legitimately owed, even though in all the years of having national grid I have never been made aware of it, if they would remove it from my credit report. They have refused to do anything to make up for their own mistakes and I am left with a wrongfully placed collection on my account. I would like this item removed from my credit report as it should never have been placed there.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I paid off the past due balance on a credit card through the assigned collection agency in 2011 ; however, the original creditor shows that the debt is still owed - this is incorrect on my Experian report. XXXX XXXX needs to indicate that the debt was sold. The collection agency shows correctly that the debt was settled in full in 2011.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/22/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: They have repeatedly advanced my due date when I made extra payments. And they take 3 to 5 days to " extract '' or " pull '' the payment from my auto pay account so every month when the payment is due, my account show it 's not been paid until 5 days later and I and my family freak XXXX out.

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2017 about Debt collection (Auto) with SANTANDER CONSUMER USA HOLDINGS INC. (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This Company would call my phone 10-20 times per day and they would also call my family. neighbors and friends and most of all my Mother who then relayed conversations with the company about where i was working, and asked her if she was able to let me borrow the amount of money i was late paying and when she refused they would do the exact same thing with my sister. They then locked me out of my own account and i could n't log in to make a payment. i sent 10+ emails and help tickets to get the account unlocked but they refused and repossessed my car. I never recieved any type of help from them after they totally cut me off from my own account and info. i called their numerous times trying to get it unlocked as well. I explained that it was my one and only way of making payment and they said i had to pay to get it unlocked. Their resolution for everything was known by them that it was impossible for me to comply. I was to call instead of using the website but i repeatedly and specifically told them that where i live Cell phone calls were impossible and i do n't have a land line. Knowing that email or the website was my limitation they used it to make demands and made them my only option. I was in the 4 th year of A 5yr loan that i accessed only on their website coobberating my assumption of ulterior motives and unfair, underhanded and unheard of method of customer support.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Ideal Collection Services, Inc. (FL).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: ideal collection stepped in trying to collect a debt in an inproper matter and not and threatened to take legal action as if it were a suit. when im in a suit with XXXX as the defendant and em as a plaintiff for funds thats owed to me and slander on a contract leased and not delivering agreement back like should.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On XX/XX/2015 XXXX appeared on my credit report. I am disputing this item. Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly?

Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA

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 03/22/2017 about Debt collection (Credit card) with Army and Air Force Exchange Service (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: My tax return was has been garnished twice for a total of about XXXX dollars for a debt from 2007. Last month, XXXX XXXX incorporated sent me notification stating I owed them XXXX, I called and asked them why I have not once received notification prior to this latest letter regarding the debt, they stated they send one out annually. I 'm blown away that they can double the debt and collect on something over 10 years old and never send me anything stating I owe them money. The debt does not show on my credit report either.

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

Complaint: I received an alert from Equifax that I had a new account reported from University XXXX XXXX. I have no affiliation with this university. I attempted to contact the University XXXX XXXX ( XXXX ) and I was told that I was not found on their system. Then I tried to call a few more times and was told that they think they found me on their system but that they could n't provide me with information on the account because I was never a student at the University XXXX XXXX. I have tried to reach every single department possible and no one has been able to help me. They all tell me the same answers. Equifax has been notified that this is a fradulent account yet they have failed to remove it. I am undergoing a mortgage process and need this account off of my report ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: There is a XXXX collection listed on my credit file, I have not had this company for 8 years. I have disputed with Equifax and they have never investigated

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2015 about Debt collection (Credit card) with Thomas & Thomas Attorneys and Counselors at Law, LLC (OH).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: The debt collector used a third party to verify my employment. This third party had my social security number? My boss thinks I 'm trying to get a new job as she said loans & jobs are the only legal reason for job verification. Is that true? The third party said they did n't know why the company wanted to verify my employment only that they were asked for the information. Are companies allowed to share my social, address, etc with other companies? Why would n't said company just call themselves?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2018 about Debt collection (Medical debt) with Phoenix Financial Services LLC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I keep receiving phone calls and notices that I owe a debt from Phoenix Financial Services for the date of XX/XX/XXXX and XX/XX/XXXX for the amount of $ 900.00+.from a doctor at XXXX XXXX XXXX XXXX TX . I called the hospital who had no info, but said it would have come from XXXX XXXX, they gave me the number to call XXXX. I called and that number and spoke to someone there that said my balance was XXXX. That my insurance had paid and that I did not owe any money. My balance was XXXX. 
Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , TX DOB XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2016 about Credit card () with AMERICAN EXPRESS COMPANY (TX).
Issue: Credit determination

Complaint: American Express denied my credit application based on previous cancelled accounts that were cancelled due to a prior bankruptcy in 2000. Bankruptcy is allowed under the Consumer Credit Protection Act and American Express is being discriminatory by denying my application under the Equal Credit Opportunity Act based on my exercise of the Bankruptcy right in 2000.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Settlement process and costs

Complaint: Ocwen took over my loan XXXX XXXX. My mortgage has been a total nightmare since. 

The most latest issue is as follows : Please find attached documents for your review ). 

I was approved for the Florida Hardest hit fund ( HHF ). Monies were actually funded and posted to my loan on XXXX/XXXX/XXXX in the amount of {$50000.00}. 
Ocwen sent me a " MODIFICATION OF PROMISSORY NOTE '' which I signed and had notorized. As you can see by the attached document, Ocwen 's Loan Servicing had XXXX persons sign this same document. Promissory Note is entered into XXXX XXXX, XXXX. 
Based on this Note, I started making my monthly loan payments, P & I then add in my escrow, which is {$120.00} for XXXX. 
All of sudden, Ocwen is sending me Default Notices. As you can see by my PAYMENT HISTORY from Ocwen 's Website, my payments are made per our contract, each and every month. Payments are due on the XXXX of every month, I have a grace period up to the XXXX of each month. I live of Social Security XXXX, only, each month. 
Ocwen continues to put my Mortgage payments into a Suspense account each nmonth, rather than posting to my loan. 
Ocwen is now claiming that I owe them over {$2500.00} dollars. They have never changed the payment amount in their system to reflect what is on their contract. 
Now, Ocwen claims the 'MODIFICATION OF PROMISSORY NOTE '' Is 'NULL & VOID '' How can that be? It is my opinion that we agreed and entered into a legal contract together. Now they want to back out of this contract. Can they legally do this? Is it considered to be a legal & binding contract? If so, how can I get them to realize this and change the figures in their system. I have been working with their account Representative " XXXX ''. Her supervisor finally got involved and he escalated it to the Modification Department who states they can not honor this contract since they are claiming my loan can not be recasted. Before the HHF money posted to my loan, I owed approximately {$120000.00}. Then after the monies were posted to my loan my Principal went down to {$75000.00}. 
What Ocwen is doing, is making me pay my monthly loan payments based on thel old balance. I am requesting that the contract of XXXX XXXX, XXXX be honored and the payments are to change according to this contract. Why do I do next? I can not afford an attorney. HELP!!!! I will have no place to live if Ocwen takes my loan into Foreclosure. I pay every month .... 
Your assistance is much appreciated.

Company response to consumer: Closed with explanation