milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/22/2016 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Closing/Cancelling account

Complaint: I had a Walmart Credit Card that was issued in 1977 recently closed out due to inactivity for a few years. I was not notified of this in advance according to California civil code 1747.85. 

I contacted Walmart by phone and they refused to re-open the account for me. I was very disappointed to lose this credit history of 39 years!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Through Equifax 's negligence, I have reason to believe credit report data on myself was obtained by unauthorized entities.

Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2016 about Debt collection (Credit card) with Resurgent Capital Services L.P. (KS).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: Creditor is calling my place of employment several times a week sometimes several times in one day and I have asked them to not contact me at work.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2016 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: We recently installed a home phone line and a week later started receiving frequent calls from Portfolio Recovery at XXXX asking for a man who does not live here. The calls come throughout the day and we have informed them many times that they have the wrong number. Each time I try to speak to a supervisor I am hung up on by the caller.

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2015 about Credit card () with CITIBANK, N.A. (CA).
Issue: Payoff process

Complaint: I received a copy of my credit report from all XXXX of the credit reporting bureaus. An account with The Home Depot was listed as an adverse account. I contacted XXXX. They stated that I need to contact each of the credit bureaus. I filed a dispute with XXXX This bureau stated in the dispute response that they reported correctly based on what XXXX reported to them. I feel like I have no way to resolve the inaccurate reporting by XXXX of an " adverse account '' for 5+ year of activity that only had XXXX account with XXXX payment over 30 days.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WV).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: i have two equifax credit files XXXX XXXX XXXX this is the correct report ( confirmation # XXXX ) XXXX XXXX XXXX incorrect / not valid ( confirmation # XXXX ) with my creditors pulling the XXXX XXXX and not XXXX XXXX. they are unable to use my credit report. 

i do not have a fraud alert anymore. they need to get rid of the XXXX XXXX XXXX XXXX XXXX is the correct report. 
please help confirmation # XXXX is correct confirmation # XXXX is incorrect it is all in my middle name XXXX is the right report XXXX is not

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Rewards

Complaint: Bank of America credit card promised in writing triple XXXX miles for credit card charges made from XXXX through XXXX 2015. I made almost {$10000.00} in credit card charges all of which have been paid based upon this promise. Bank of America refuses to honor the agreement even though I have submitted the confirmation email to them. They have wasted my time with circuitous to empty emails, phone calls and chat rooms. I believe they have misrepresented to induce more purchases. Thank you very much

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (KS).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Navient/XXXX misallocated my payments, steered me toward multiple forbearances instead of income-driven repayment plans, and provided unclear information about how to re-enroll in income-driven repayment plans and how to qualify for a co-signer release. They never mailed me a payment booklet or coupon book so I never knew how much I owed. 
They have been charging me 9 percent interest for almost 20 years. I now owe quadruple what I actually borrowed back in 1995. They do n't even have an accurate account of how much I have paid over 20 years. I get no statement or emails from them. Only harassing phone calls and garnishment of wages even took place before I got laid off. 

What can I do? 
XXXX in Kansas

Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (AZ).
Issue: Identity theft / Fraud / Embezzlement

Complaint: HI could I please get your Capital One Bank card fraud written policies and procedures. I called the fraud number listed on your website and could not get the information sent to my address. I prefer to submit my FTC Fraud Affidavit by register return receipt USPS mail. This way I have proof I submitted to your company. Sorry but I have found when resolving issues with Fraud charges over the phone produces no records for the consumer and creates further challengesof proving the charges are being disputed. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NH).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I had a repayment plan setup with Navient. I was told that in the event I did n't have money in my account for a scheduled payment I would need to call no later than XXXX one business day before the withdrawal. I called before XXXX the day prior to withdrawl, spoke with someone who shifted my payment date later in the month. CONFIRMED that this was shifted. I received confirmation numbers for the new dates. Navient debited my account anyway on the XXXX putting me negative and triggering overdraft fees. When I called to have this fixed on the XXXX of XXXX I was told that no one knew anything and an investigation had to be performed that no refund was possible until after the investigation and that I would hear back soon. I did n't hear back. I called back on the XXXX of XXXX and was disconnected 3 times trying to get information about my complaint. Eventually I was able to speak to someone who had some magical ability previously absent from other representatives to look at my account. He was able to determine what actually happened was that the " request '' I had called about on the XXXX was n't able to be processed, despite me having confirmation from the rep on the XXXX and confirmation numbers. No one knows anything. I should have been promptly refunded on the XXXX when I called and instead representatives from Navient chose to lie to try and avoid the reality of their actions. 

Navient withdrew money from my account without authorization. This has caused me extreme hardship as I am not able to buy groceries to feed my family. What they did was blatantly illegal and they do everything in their power to make it all but impossible to force them to correct their errors.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2016 about Credit card () with SYNCHRONY FINANCIAL (TX).
Issue: Credit determination

Complaint: Lowe 's pulled my credit when I asked if I could have time to pay. Said there was NO hard pull and stated it would NOT show on my credit.

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 02-06-2017 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: XXXX put XXXX debt on my account after it was paid before collection. I called they told they do n't have my account it was sold and theres nothing they can do

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 12-09-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I purchased a samsung galaxy phone from a XXXX representative and was told at the time of the purchase that it came with a free tablet and that there was no contract and that I could cancel the device at any time. My phone was stolen and I immediately called and reported it and was told that my service would be cancelled and I would not be billed for anything but the price of the phone and to return the tablet to the nearest XXXX store. The store refused to even let me pay for the phone and said I breeched my contract and that I owed over XXXX dollars for the phone, tablet early termination and other fees. I also could not pay or work out any deal with XXXX because they referred it to a collections agency and told me they no longer were involved at all. All I have received from this is a report on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Credit Technologies, Inc. (UT).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XXXX  -  XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX .  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX  Please remove these inquiries.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (NV).
Issue: Loan servicing, payments, escrow account

Complaint: I request that Ocwen loan servicing provide the following information only and not any additional information that does not pertain to this complaint as they have done in the past. Due to the fraud and illegal acts that have occurred with this note and deed of trust, I am requesting from Ocwen Loan Servicing ( our servicer ) provide the following. 
First, Which document does your company have in its possession, is it the original note, original Deed of Trust or both that pertains to our property? NOTE : I understand that the original note must be maintained by the servicer and the original Deed of Trust must be maintained by the trustee which is XXXX. 
Second, we request a meeting with a representative from Ocwen Loan Servicing here in XXXX Nevada along with the Original note and the Original Deed of Trust. If Ocwen is not able to meet us here in XXXX Nevada, please provide a date, time and a location during the XX/XX/2017 where we can review these documents! Please notify us in writing when and where to attend. 
NOTE ; I will have an independent investigator present to review these documents. We will be looking to see if these documents are the originals or copies of the originals. The ink on the original documents will be different from a copy. If the original documents have been lost or stolen, Ocwen loan servicing, XXXX and XXXX XXXX will have no legal standings to there claims without these original documents. All this can and will be resolved if Ocwen allows us to review these documents immediately. Ocwen can dispute legal claims all you want and XXXX me off even more. This will result in more complaints filed against Ocwen loan servicing. Servicing companies, banks, trustees and investors are required to maintain the original documents such as the original note and the original deed of trust to prove legal ownership. If Ocwen loan servicing fails to comply to my requests, we will request the original note and the original deed of trust in court.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (KY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: In my credit report that is a collection account for {$300.00} under the name of XXXX XXXX. I do not own this account and It was already paid with the original creditor many years ago. Account number is XXXX with XX/XX/2016 as account date.

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2017 about Debt collection (Mortgage debt) with BANK OF AMERICA, NATIONAL ASSOCIATION (NM).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: My second mortgage was involved in a Chapter XXXX bankruptcy and was discharged in X/XX/11. The note was originally with Countrywide and then Bank of America picked it up then It went into chapter XXXX bankruptcy due to I became XXXX After the bankruptcy I continued to pay both mortgages. I decided to refinance both mortgages with Bank of America and they only picked up my first and I asked them why did n't they include my second and they told me " Mamm, we have to take care of your first mtg first, then we will take care of your second '' but instead, they service released it to XXXX. XXXX told me they could n't help me. Then I rec 'd a phone call not a letter and was told XXXX XXXX has the second mortgage now, at this point I am not sure what is going on with the 2nd mtg. My credit report states I have a XXXX balance owed on that original loan number but it keeps getting reassigned a new loan number. If XXXX XXXX still has the lien on my property I would like to know what the balance on the lien is? And what the balance on the 2nd mortgage is since it was involved in the Chapter XXXX bankruptcy. What options are available for me to resolve this issue? XXXX XXXX offered to settle for {$15000.00} but of course I could not come up with that amount. At this point I am not sure I am dealing with a legitimate company or a scam. It keeps getting reassigned with new loan numbers.

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 05-03-2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan servicing, payments, escrow account

Complaint: For the THIRD time in FOUR years Bank of America has attempted to force my property into foreclosure. They accepted payment for the loan and sent a confirmation that payment had been received and that the account was current. On XXXX XXXX, I received a notice that they were accelerating the account to foreclosure because they had not received two payments. THIS ACCOUNT IS CURRENT. IT HAS BEEN CURRENT EACH TIME THEY HAVE ATTEMPTED THIS. After 2 1/2 months, they are no CLAIMING that the bank refused to pay the check because the account was closed. IT IS NOT CLOSED AND THE XX/XX/XXXX AND XX/XX/XXXX PAYMENTS WERE MADE FROM THE SAME ACCOUNT. They are CLAIMING they sent me a letter to this effect. THIS IS A LIE ; I RECEIVED NO SUCH LETTER. They are claiming that they attempted to call me. AGAIN, THIS IS A LIE. NO ONE HAS EVER ATTEMPTED TO CALL ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2017 about Debt collection (Credit card) with NAVY FEDERAL CREDIT UNION (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: XXXX is listing a collection account on my XXXX and XXXX credit reports. I have asked for debt validation under Texas Finance Code 392 from XXXX XXXX via certified mail sent XX/XX/XXXX ( see attached certified letter ) and company has failed to provide required debt validation. XXXX did not respond to my request except to update their reporting to the ccredit bureaus.Under Texas Finance Code debt collector is required to delete entry if they fail to provide required debt validation. I have disputed multiple times with credit bureaus and have sent ceritfied letters to XXXX ( see attached certified letter ). The collection account is currently being reported to XXXX and XXXX -- and the information between the XXXX bureaus do not match either. XXXX has date to be removed as XX/XX/XXXX and the other has date to be removed XX/XX/XXXX so they are reporting different dates of first delinquency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2016 about Credit reporting () with Credit Karma, Inc. (PR).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: My credit score was increasing normally until XX/XX/XXXX with no hard inquiries made to it. When I verified it on XX/XX/XXXX, my scored hay decreased by XXXX with no statement or explanation reflecting the root cause of the reduction.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2017 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Unsolicited issuance of credit card

Complaint: I never signed, dor used any credit card from Bank of America as authorized user.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-12-2017 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Trouble during payment process

Complaint: This is the second complaint files with cfpb regarding the same problem Cfpb closed the other complaint  (  #  XXXX   ) b efore any resolution was made. The original complaint was that my loan mortgagor failed to provide a {$5000.00}  XXXX  incentive on   XXXX   XXXX   claiming that I had not filed Treasury forms. The forms were in fact filed, and Nationstar Mortgage has tracked them down due to my last complaint and said they were going to send them to the Treasury, and that barring any mistakes in their filing, I should receive the incentive by   XXXX   XXXX   XXXX  . I have called my customer service representative  (   XXXX   XXXX   XXXX   ) at    Nationstar and have left two mess ages for her to call me regarding and update on her progress as the incentive has yet to be applied to my account.   As of   XXXX   XXXX   my mortgage will increase which is based on my principle balance. This balance should be {$5000.00} lest than the number they are using to calculate my new payment. It also should have been used in   XXXX   XXXX   XXXX   to calculate the increase which was imposed back then.   In short, I filled in and sent the appropriate forms for th e HAMP incentiv e in a timely manner, and the incentive was to be " automatically '' deducted from my principle on   XXXX   XXXX  .  Nationstar failed to sen d in their Treasury forms regarding my incentive, and have calculat ed two ( 2 ) year s of mortgage incorrectly. And their customer service representative  (   XXXX   XXXX   ) re fuses to return my phone calls.   Supporting documents have been sent to cfpb when filing the previous account.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax security has been breached, resulting in compromised personal details ( including social security numbers and other financial information ) of millions of people, including my own. The company must be held accountable for the sharing of private information of millions of consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with NCC Business Services, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I followed the guidelines this apartment complex gave me. I had to move because of my job which caused me to break my lease. I wrote them a letter explaining why I was moving a month in advance like they advised me too. Everything was fine until two years later they put me in collections. I followed there rules for breaking the lease without repercussions and I still got sent to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
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 track my credit via XXXX. In XX/XX/XXXX, I noticed there was a hard credit pull added to my Equifax report from a company called XXXX - it appears to be an online clothing store, under the umbrella of XXXX XXXX, based on XXXX, Wisconsin. I am not a customer of this company. The pull is dated XX/XX/XXXX. I called XXXX to ask why they pulled my credit without my consent, they said they have no record of doing so, and were unable to clear it from their end. They said to file a dispute with Equifax to request the removal. I filed the report with Equifax, they closed my request, sent me a letter outlining why a third party could access my credit, none of which was applicable to my case, as I did not request to do business with the company in question. I filed a second dispute, which was closed without comment.

Company response to consumer: Closed with explanation