milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/31/2015 about Debt collection (I do not know) with Financial Credit Service, Inc. (SC).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: The representative was attempting to link me to a debt of someone that I know. They threatened to serve me with legal documents and place me in jail. I requested that they stop calling me. I told them that I understood my rights and they had no business threatening me in order to get a different individual. They repeatedly hung up the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2017 about Credit card () with SYNCHRONY FINANCIAL (OH).
Issue: Credit card protection / Debt protection

Complaint: Synchrony bank, as the credit card provider for XXXX stores, employs deceptive and unfair practices with an add-on product on their credit card ( card security ). Upon the opening of my account, I noticed an {$85.00} fee on my account - outside the promotional 48 month financing I had taken advantage of with the store when I made a large purchase of furniture. When I called and inquired about the fee, I was told it was an optional product and that I had selected it when I signed up. I signed up online within the store and do no recall selecting any feature that required additional fees. Synchrony Bank representatives stated that the check box was in the middle of the application to sign up for the add-on product. The application should be reviewed as I believe that Synchrony Bank is employing a deceptive practice to hide this add-on product and it is not clear that the add-on product needs to be " de-selected '' while filling out the application and it is not clearly labeled on the application. Furthermore, I have now called the credit card company over 5 times to have the fees removed. The first time I called and complained, representatives stated that I must call another number and line to discuss the product and talk about getting the fees waived and the add-on product removed. I believe that this is an unfair practice as Synchrony bank has put in additional hurdles to have the fees removed. When I called the line that was provided, the representative ( of what I assume is a third party company ), stated that the fee was waived in full ( {$85.00} ). I checked my balance on the XXXX of XXXX and discovered that another {$2.00} fee was on the account randomly and when I called Synchrony Bank yet again they stated the fee was for the " card security program ''. I informed the company that they should make a note that I was complaining to the appropriate regulator as they continue to try to charge fees for a worthless product that was added to my account through deception.

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 02-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (UT).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Im writing this on behalf of my minor XXXX. Last year I received a letter from the state of Utah saying that there had been a breech and my sons social security number had been compromised. I also got a letter stating someone was using his number because there were reported wages coming back associates to it. At the time he was XXXX and was not then nor has ever had any kind of employment that would reflect earnings. I have attempted to request his credit report from all 3 reporting bureaus so I can see if someone is trying to use his credit as well and if not then to lock his file out so no one can use it. The state of Utah has been of no assistance whatsoever in resolving this. None of the credit bureaus will supply me a copy of his report because he is under XXXX. The instructions for getting one advised me to file a complaint on this site as the initial step. I have now done that as well as mailed all requested documents into each agency individually.

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 12/13/2015 about Debt collection (Credit card) with CITIBANK, N.A. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I owed money on Citibank/Home Depot card and I settled to pay the Citibank N.A . XXXX -debt collection agency {$1100.00} to settle my account as paid and settled. However, they are reporting to the credit reporting agencies like XXXX that I owe an additional {$1300.00} to be paid at {$25.00} per month. I paid them XXXX as a final payment to settle account with no monthly owed. The company is trying to get me to pay more money and refuses to report a zero balance owed to the credit reporting agencies.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2016 about Debt collection (I do not know) with I.C. System, Inc. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I checked my credit and discovered that this company has reported that I owe them a debt. I have never entered into a contract with this company and neither have they provided me services nor goods

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 06-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Sent certified letter to XXXX that they signed and received on XXXX/XXXX/17 alerting to them the fact that Portfolio Recovery Associates which I have been disputing directly with PRA and XXXX reported the same account to them on XXXX/XXXX/17 and it dropped my FICo score by XXXX points. This alleged account has been on my reports for awhile and I have been challenging it for some time. It looks to be reinserted which I was not notified of within 5 days and this is in violation of FCRA 611 ( a ) ( 5 ) ( B ) ( iii ). I am including the XXXX report XXXX dated XXXX/XXXX/17 and report XXXX dated XXXX/XXXX/17 which there is no change of reporting except date of status. This has always been reported as a collection account. I am also attaching a print out from my credit monitoring service dated XXXX/XXXX/17 showing that Portfolio Recovery XXXX has flagged the account as collections and a copy of the alert on XXXX/XXXX/17 stating a new collection has been added to my credit report causing the score to drop XXXX points! This is inaccurate reporting and I want the account removed and the XXXX points returned to my FICO score. Not sure what games Portfolio and XXXX are playing but it has to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I graduated from College in XX/XX/2012. After graduation I was unable to find a job in my field ; but I was making minimum payments on my loans while I was in college. But I was working as XXXX for a XXXX and about 6 months after graduation ; I was contacted by Sallie Mae or XXXX. The representative asked me number of questions about my to income to set up a appropriate payment plan for me. I was told my monthly payment would be close to {$500.00} a month. I said alright. A few days later I was contacted again and told to set up a payment plan again. The first person never told me that she was actually only setting up a payment plan for federal loans. This particular customer service rep continue to tell me that I need to set up a plan very aggressively over the phone. Confused I kept stating I have already set up a payment plan for my student loans ; after about 10 minute the rep finally reveals that oh I am calling about your private loans and you have to pay again close to {$500.00} a month. Making only {$XXXX} a month after taxes more than a {$1000.00} were going towards my student loans and they would n't understand that I was making bare minimum. I had other expenses. Granted I lived at home with my mother ; but I have been suffering from a XXXX for more than 8 yrs ; so I stated I have monthly medical bills. I had to pay more than {$5000.00} for XXXX and {$3000.00} hospital bill and other monthly copays. Soon thereafter I lost my job due to my illness ; so I was being contacted by collection agencies telling me that they were going to start garnishing my mother 's income and confiscate my car. So I had to pay on my credit cards and I told the rep of collection agency ; that I have been very sick and have XXXX. But she did not care and continue to threaten me.

Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have been a victim of fraud and identity theft and have made this known to the 3 credit agencies XXXX XXXX, Equifax, and XXXX. However they are reporting errors on the credit report and profile they have set up for me. 

I have repeatedly asked for evidence of the verifiable proof to support the reporting, but yet again, they have failed to provide me with a copy of any viable evidence submitted by any of these creditors substantiating their claims. These negative events that are being reported by their agency are erroneous and false. Furthermore, I have also requested their method of verification, and they have not complied, which is an additional violation of the Fair Credit Reporting Act. 

The accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2016 about Debt collection (Credit card) with ZENCO COLLECTION, LLC (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: This number called me:XXXX. I was told I need to call because of a legal claim against me. Naturally, I called. Zenco Collects representer told me I will be taken to court and I will lose my XXXX license if I do not pay. He implied that again during the conversations. Then of course, I can only think of that issue and I got my XXXX. I cried. And basically he said he will hang up and does not need to hear me cry and that I will owe more than I should if I do not resolve this issue with him now. I was told that he is recording our conversation and can be used in court. Please do. Please listen to the recording and see how he intimidates and says he needs to speak with the lawyers and that if by XX/XX/XXXX I will be again taken to court. I will be paying more than I should.

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 03-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: I have spoken with my CC company twice and with the Transunion on many occasions. I will attach the screen shots at the bottom. Transunion has removed my oldest CC account from their system and isn't taking responsibility for it. They keep blaming the CC company and the CC company says, " it's not us but Transunion, we report every month ''. Also, I filed a dispute with Transunion on an account, which is paid in full and is reported to the other credit companies but their investigation still shows the account to be active. It was an auto loan paid off on XX/XX/XXXX. They also haven't updated their information on other accounts as I keep a XXXX balance except for one card ( to keep my credit score high ). I have an XXXX credit score with the other institutions except for Transunion, which has just down graded my information due to removing the account. Now, 17.8 years of history is missing and they said I never had the account reported to them. If this were true, then their company wouldn't have shown that the account was removed in an alert. It seems to me they are doing something illegal or have a computer glitch which needs correcting immediately. Everyday this goes uncorrected affects my ability to buy my XXXX XXXX. When it comes in from XXXX I need my credit to be at its best. Please take care of this ASAP. If their system is messing with my credit, just think how many others they are messing with. I cant be the only one seeing these discreteness. They keep trying to push the blame onto someone else, when it is clear it is their system. I have placed each screen shot in order of how it shows up on XXXX XXXX as it would be in a full length page and am showing you my XXXX report which gives my credit score and the actual account in question.

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 05/28/2017 about Student loan (Private student loan) with DISCOVER BANK (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint: Discover has taken over servicing my student loan from Discover. They have redesigned the website, replacing key loan in formation such as interest rates and functionality to allocate additional payment amounts to principal, with all links leading to a graphs that showing payment history.  <P/> Now, the only option for allocating extra payment amounts to principal is by sending a written check via physical mail. Additionally, interest rate information is only shown on pdf or mailed statements, which must be downloaded and compared separately. Previously, these functions were built-in and easily accessible to borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2015 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (MD).
Issue: Loan servicing, payments, escrow account

Complaint: Refinanced in 2013, and another mortgage co.bought that mortgage contract. They raised my monthly payment from? XXXX a mo. To {$1600.00} a mo..they say I was behind in my escrow. Never missed a payment and had to pay XXXX months of escrow when I refinanced.they said if I payed the extra {$160.00} a mo. For XXXX months, it would go back to {$1400.00} a month. Now I 'm paying {$1500.00} a month and I want the money back. I also want them to honor the original contract and make my payment {$1400.00} again.

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (ME).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen Loan Servicing illegally reported me as deliquent or has lied to you about reporting me deliquent to hold hostage my insurance, they have violated my privacy under Gramm-Leach-Bliley by not safeguarding my private information, based under GLB Under the Safeguards Rule, financial institutions must protect the consumer information they collect. They are in clear violation and I intent to file a lawsuit and request a fine be imposed on them to the fullest extent of the law. They are also actively practicing unfair Deceptive and Abusive Acts in violation of 940 CMR 8.0

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2018 about Debt collection (Payday loan debt) with CNG FINANCIAL CORPORATION (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: Opened a XXXX XXXX XXXX account in XXXX which was later closed and subsequently included in a now XXXX discharged Bankruptcy. Yet, the hired debt collector, XXXX XXXX XXXX, continues to inaccurately report this account as opened to credit bureaus. While there is {$0.00} liability, the unclosed debt record is negatively effecting my overall credit. I have submitted more than a dozen combined disputes to the 3 credit reporting agencies and I have contacted XXXX XXXX XXXX directly and with no response or updates to my credit reports. I have exhausted all options and I am reaching out in hopes this can be rectified and that XXXX XXXX XXXX will be penalized for inaccurately reporting my account. 

XXXX - XXXX Online Dispute XXXX - XXXX Online Dispute XXXX - XXXX Online Dispute XXXX - XXXXXXXX XXXX XXXX XXXX Online Dispute XXXX - XXXX Online Dispute XXXX - XXXX Online Dispute XXXX - XXXX XXXX XXXX XXXX Online Dispute XXXX - XXXX Phone Dispute XXXX - Letter to XXXX XXXX XXXX XXXX - Email to XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2016 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (TN).
Issue: Settlement process and costs

Complaint: In it 's response to complaint XXXX, SPS says they are denying my right of rescission because my loan originated in 1998 ... my ORIGINAL loan did originate in 1998, BUT XXXX ( the original servicer after they got the loan from XXXX, the original lender ) advanced over {$50000.00} to repay themselves what they spent tp pay off XXXX XXXX, my XXXX mtg holder. 
Thus, they did not just modify my original XXXX mtg like they ( SPS ) are trying to claim ... they actually REFINANCED my XXXX mtg because adding the {$50000.00} plus in additional funds is a cashout loan. The {$50000.00} in funds added to the original balance is money lent to me ( whether I wanted to borrow it or not ) ... unless they did not charge me for the XXXX mtg payoff this is a cashout refinance, period. 
Thus, I stand by my demand to rescind the loan. 
If SPS cares to make a reasonable counter offer, I will listen, but only if they acknowledge the true facts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2018 about Debt collection (I do not know) with CL HOLDINGS LLC (DE).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: THE CREDITOR HAVE CONTACTED ME AND I HAVE NO KNOWLEDGE OF THIS DEBT. I HAVE CONTACTED MY ATTORNEY TO GET OUT OF THIS DEBT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/18/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ONEMAIN FINANCIAL HOLDINGS, LLC. (OR).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: XXXX the branch manager from one main financial in XXXX Oregon spoke to me and belittle about the debt I owe to them. I try to talk to him and negotiate a payment where I can afford it but all he kept saying in a very rude mean tone of voice was " you think {$50.00} is good enough a month for a {$9500.00} debt ''. Then he kept saying if I do not pay the minimum payment he threaten to garnish my wages. His exact words again in a very mean rude tone of voice he said to me " do I want XXXX % garnish from my gross wages or would I rather pay {$260.00} or however much it was. XXXX at that branch is so rude. I work with the public and there is no such way I would ever talk to the public that way or make them feel bad. Not only XXXX was flat out rude. But he does not have the public skills to deal with the public and he made me feel bad every time I talked to him. He has called me every week and I do not like talking to him at all because of how he treat me and made me feel. He makes you feel bad for borrowing a loan from the company but yet he acts like it is his own money. I have dealt with a few financial agencies and by far XXXX from one main financial is the worse debt XXXX. The way XXXX talk to me and the way he treated me is not acceptable.. Yes I know I owe I debt but I feel he does not have the right to be very rude and talk down at me. He refused to work with me on making a payment where I can afford. Yet he offer to run my credit to see if I can refinance a loan and it was pointless. One main financial offers to refinance my current loan when they know very well I would be denied. They do not try to work with you.

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Shellpoint Partners, LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: The current Mortgage Servicer has an illegal foreclosure against our family home. We were APPROVED and in a loan modification trial period with the previous Servicer ( Resurgent ) when the mortgage was service transferred to a new Servicer ( Shellpoint ) who failed to honor the APPROVED Trial Plan and refused to accept payments from us so the account fell so delinquent that it reached a point where the balance due was to much to pay for us at the time. We reached out and made several attempts to request mortgage relief assistance with Shellpoint to no avail. They just want to take our home. They have failed to assign a SPOC or meet the Conditions and Requirements of contacting borrowers before filing Notice of Default under California Foreclosure Law and HBOR. We submitted several packages and documents on many occasions and they always lost the documents and failed to reply. They simply have us the run around and failed to help save our home. Now they have a trustee sale date of XXXX/XXXX/2016.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2015 about Consumer Loan (Vehicle loan) with NISSAN MOTOR ACCEPTANCE CORPORATION (CT).
Issue: Problems when you are unable to pay

Complaint: This Company is reporting TO XXXX as Derogatory and is actually paid.

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2017 about Debt collection (Other debt) with EQUIFAX, INC. (KS).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Account was paid in full and balance was said to be removed instantly and it has not been removed.

Company response to consumer: Closed with explanation