milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-09-2017 about Credit card () with SYNCHRONY FINANCIAL (TN).
Issue: Billing disputes

Complaint: My Lowes Consumer credit card was lost and used without my permission. I did not participate or receive any goods or services so I filed a fraud claim with Synchrony Bank and I received a fraud investigation form and was told it would be investigated. I completed the form and sent it in and received a letter confirming the fraud had been investigated and they found my fraud claim to be valid after they researched it and looked into. So I received a letter saying that they had researched it and found in my favor and all fees and charges had been credited back to my account which was done on XXXX, there was an adjustment done for XXXX for the fraudulent charges and I paid the remaining amount that was due on the account, now all of a sudden after telling me that I was not responsible after they investigated and even sent me a letter to confirm I was not responsible after investigating they came back in to my account and charged the charges back to my account XXXX/XXXX/2016 after they told me that I was n't responsible. So I called and spoke with an account manager who is now claiming there is nothing she could do. Why did you send me a letter confirming I was not responsible after you investigated and now all of a sudden you are saying that I am. Why send me a letter saying I was n't responsible and then say I am.

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 04/13/2016 about Credit card () with CITIBANK, N.A. (GA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: My Bloomingdale 's American Express ( Citibank ) credit card was compromised on XXXX. Fraudulent charges were made on this account and it was closed immediately. I have not re-opened the card and do not intend to. I was instructed by Bloomies/AMEX Fraud Dept. to file an Affidavit ( which they sent me ) listing charges, with a Notarized Document and with my Drivers License copy. I promptly complied with this instruction and these materials were faxed on XXXX and again on XXXX with no response. These faxes were received however, see Attached Confirmations. To date, there has been no resolution or response. I called on XXXX ( Operator XXXX ID XXXX ) and XXXX and on XXXX ( XXXX Operator ID XXXX ) and again on XXXX ( Operator ID XXXX XXXX ) and each time after waiting over 60 minutes, was never connected to the Fraud Dept. In interim, I have been harassed by numerous phone calls and letters indicating that I owe monies and calls from collection firms. Bills continue to be sent with finance charges being added and compounded. I have been unable to secure credit from other creditors and am now applying to various executive banking positions that require credit checks and am told that my credit rating has been adversely impacted by this account at the XXXX credit agencies. Citibank ( Bloomingdales AMEX ) refuses to respond after now 120 days after my initial reporting of this fraud. They have negatively impacted my credit bureau reporting and have made me wait hours on the phone. Their fraud number is a number that does not address consumer complaints as they never pick up on that number. This number is XXXX. When I call this number, I am immediately routed to the collections department and then told to wait. See attached documents. I also called this morning, XXXX and after one hour of waiting hung up the phone.

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 04/20/2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: In XX/XX/XXXX I was one month past due on my mortgage payment. On XX/XX/XXXX I purchased a cashiers check from XXXX in the amount of two months payments made out to my mortgage company Chase JP Morgan. 
About three weeks later, a bank employee from XXXX XXXX notified me that a cashiers check drawn on JP Morgan Chase bank in the exact same amount of the cashiers check sent in for my payments was sent to XXXX. The cashiers check was made out to XXXX XXXX, not me. 
I immediately contacted Chase bank to inquire why they did n't apply my payments properly. I was told that they had no knowledge of this transaction, but that I was now 90 days in arrears and being placed in foreclosure. If I wanted to avoid foreclosure, I must immediately send in over XXXX in back payments, late charges and attorney fees. 
I waited until XX/XX/XXXX, called again and was told my only option was to modify my existing loan and the payments would be added to the new loan.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: To cut down my loan faster, i wanted to do XXXX things 1 ) make bi-weekly payments and 2 ) put additional money each month into my loan. They said they could n't do the first, and then to do the second, i 'd have to MAIL a LETTER with a check and an explicit request to put the extra money into the PRINCIPAL. I complied, but when the money showed up, it went into my interest, not PRINCIPAL. There needs to be more regulation in this field to stop banks for figuring out how to maximize their profit. I got an education, not a Corvette.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I had an account with XXXX in XX/XX/XXXX this was previously disputed for XXXX $ $ because at & t sold their towers in the area of my employer so my father and I whom both work here could not receive any phone calls while in our job, XXXX agreed and deleted it from our credit report. Now they 're saying I owe a combined about of XXXX sounds like XXXX is trying to combine the XXXX XXXX my father and I owed for termination onto my report only.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 10/17/2015 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Someone used my identity for medical services. I filed the proper police report and the debt collection company still refuses to remove the debt from my credit report. I also requested a copy of the bill with signature but the debt company refused.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2016 about Debt collection (I do not know) with Dynamic Recovery Solutions, LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Repeated cold robocalls from an out-of-state debt collector that uses different company names and phone numbers from day to day. For example see my previous complaint to you, your case number XXXX. 

They do not give the name of the person they are calling or the name of the person calling, nor any other details. I do not have any new or old debts, so these calls are fake. There are many complaints posted on the Internet by people who have received these calls for years now. The volume of complaints indicates they are making thousands of such calls all over the U.S. in attempts to scare people into paying for debts they do not owe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: My state tax lien is being reported on my equifax & XXXX credit reports. The reporting does not abide by the XXXX lien reporting rules, there is an incomplete social security number and no date of birth.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
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 submitted evidence to Experian and XXXX on XX/XX/XXXX in regards to an obsolete account with XXXX XXXX XXXX XXXX  for a secured loan obtain in XXXX. I contacted the Mississippi Attorney General Office in regards to the state statue regarding delinquent accounts and collections practices. I complied with all the state guidelines in requesting verification information from this creditor ; however, this creditor fail to provided the required documents within the 30 days allowed. Once I received this information it was not accurate nor had all the requested documents to provide proof that XXXX XXXX the new proclaim holder had the right to collect this debt. I responded to XXXX XXXX letter dated XX/XX/XXXX however I received it XX/XX/XXXX ( envelope show postal date stamp XX/XX/XXXX ) which was beyond the 30 days from the receipt date of XX/XX/XXXX ( certified receipt included ). Reviewing the attached documents will show XXXX XXXX XXXX XXXX aka XXXX XXXX has fraudulent changed data on my report after I made them aware of Mississippi laws that they were not in compliance to. I received a letter on XX/XX/XXXX from XXXX XXXX, Compliance Officer stating the account is now noted to stop all collection actions based on this law ; however, she fail to compromised by deleting this account as stated in my request because XXXX XXXX and XXXX XXXX XXXX violated my rights as a consumer. Reporting inaccurate information for the previous 4 years and attempting to collect on a debt that is not allowed by Mississippi state statue from 1 year of foreclosure. This account was never classified as foreclosure but a charge-off and business loan until now. This account should be deleted because of the non-compliance acts this bank has taken against me in collection practices. See attachment for further detail and documentation proof. The credit bureaus fail to evaluate my evidence but appeared to believe the bank after they alter information that was inaccurate for 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 non-monetary relief
Consumer complaint received 04/14/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (NV).
Issue: Settlement process and costs

Complaint: Ocwen is making loan agreements without all parties involved consent. They refuse to provide me information on the loan that they hold me liable for. I am co-borrower and co-owner of a property w/ ex-husband who is in Chapter XXXX in CA. Ocwen has entered into a forbearance agreement of some type without my consent and apparently with my ex-husband only. It is not part of the Chapter XXXX plan. Ocwen will not release any information of the agreement to me or update me on the status of the loan. I have not consented nor will I consent to any forbearance or modification agreement that does n't release my liability. Ocwen states I am liable for the loan but refuses to release any information about the loan to me ( they send letters to the credit agency about how late I am every month ). It is a {$700000.00} loan. They wo n't give me any information about the loan unless my ex-husband 's attorney sends a letter ( which he wo n't do ). There are no court orders stating I am not to get access. I have asked that all correspondences are sent to both parties on the loan countless times without success. There are no statements available.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MS).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

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 10-03-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Trans Union had a glitch in their system that violated the rights of their consumers under section 6.11. As a result I have been gravely effected and my credit score is suffering as a result. No notice of was ever given to me which is also a violation. I am requesting that ALL inquires be removed. 

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 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 non-monetary relief
Consumer complaint received 10-12-2017 about Mortgage (FHA mortgage) with Selene Finance LP (NC).
Issue: Struggling to pay mortgage

Complaint: XXXX XXXX Requesting several times to provide proof of items on mortgage loan, and company will not provide the information.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I submitted a police report in XXXX stating that my wallet turned up missing and that I was being bombarded with inquiries and accounts from Georgia. The 3 accounts that should not be on my account are XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX. These accounts were opened in varying parts of Georgia and all were reported repossessed. I have called. I have written letters. I have submitted police reports. Years later these 3 accounts still plague my credit report. Equifax still came back claiming they had a contract signed by me for XXXX XXXX XXXX. This was not me. This credit reporting agency has not been helpful at all in the clearing of these 3 accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Vehicle loan or lease (Loan) with NICHOLAS FINANCIAL INC. (FL).
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint: Creditor is reporting incorrect information and balance on all three credit reports. Balance after repossession is inadequate. I never got a receipt telling me for how much they have sold the car. Only got my balance increased and reported incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2015 about Credit card () with SYNCHRONY FINANCIAL (GA).
Issue: Late fee

Complaint: My payment date is due on the XXXX. They are are charging a {$38.00} late fee to my balance if not paid on or before the XXXX. The XXXX is not my due date. I have moved to another state almost XXXX year ago and have had financial slow downs while getting re- established. I did not realize the were charging this outrageous late fee after the XXXX. In my industry ( XXXX XXXX ) the deadlines dates are XXXX that night as this is within the XXXX hour day. My account is has a {$150.00} balance with a {$500.00} limit. No warnings on my paper statement disclose payments should be received on the XXXX. I happened to see it on line when I made my payment this evening. I have been running late due to difficulty but when I pay on the due date, I should not be charged a late fee no matter what time of day it is. The bank can draft out funds from our accounts in real time so our payments should be able to count in real time within the XXXX hour due date time frame. This is robbery and should not be allowed even if posted in all caps and Bold on the statements. It 's even worse as it 's not clarified on the paper statements at all. This means that those who do not have internet access have no way of knowing before they see the charge that this is happening or why if they are paying on their due date. The 26.99 % APR rate and the {$38.00} late fee is thievery and the sneaky way they are getting it is criminal!

Company response to consumer: Closed with monetary relief
Consumer complaint received 10-05-2015 about Mortgage (FHA mortgage) with U.S. BANCORP (CA).
Issue: Application, originator, mortgage broker

Complaint: it took me 10years to fix my credit when up to XXXX I pay lots of money to fix my cccccccc credit some reason in 2 months my credit when down to XXXX with XXXX credit bureau I need consumer financial help me to get my credit up to XXXX so I can get home loan

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On the week of XXXX XXXX I spoke to XXXX XXXX XXXX with XXXX XXXX XXXX, XXXX and she told me that after I take care my account with them they would update my credit report reflecting my account is closed and have a XXXX balance and is paid and satisfied and also mail me a letter stating that as well after XXXX business days they receive payment. On XXXX XXXX I made payment like we agreed and called to follow up on XXXX XXXX since I noticed information and remark that was added on my credit reports from XXXX XXXX that is not accurate. I spoke to account manager XXXX XXXX who stated that she would have to pull the recorded message so she can verify that the information I gave her were true. After she obtained the VM to verify she said XXXX XXXX will update my account to reflect that my balance is " XXXX '' and that my account is closed and paid and satisfied as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2017 about Consumer Loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (WI).
Issue: Taking out the loan or lease

Complaint: ONEMAIN # XXXX XXXX , IN XXXX ( XXXX ) XXXX Date Opened : XX/XX/XXXX Responsibility : Individual Account Account Type : Line of Credit Account Loan Type : HOME EQUITY LOAN Balance : {$8600.00} Date Updated : XX/XX/XXXX Payment Received : {$230.00} Last Payment Made : XX/XX/XXXX High Balance : {$9600.00} Credit Limit : {$10000.00} Pay Status : Current ; Paid or Paying as Agreed Terms : {$190.00} per month, paid Monthly

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2015 about Credit card () with PAYPAL HOLDINGS INC. (NY).
Issue: Unsolicited issuance of credit card

Complaint: I use PayPal very rarely. I learned that they had signed me up for a service called Bill Me Later without my consent. They ran a hard credit inquiry on my credit report, and harmed my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-08-2017 about Debt collection (Other debt) with CAINE & WEINER COMPANY, INC. (OH).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have an unverified account from CAINE & WEINER. I had previously disputed this account. I have never done business with CAINE & WEINER. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that CAINE & WEINER provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CAINE & WEINER Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MO).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My daughter attended XXXX. She was in her second year there. All of her student loan paperwork was already in before we arrived there to her school. We live in XXXX, XXXX. When we got there, they said they did not receive it, and asked me to submit my information on a new form. I had been in bankruptcy during that time, so I was surprised that all off sudden my credit was approved which means she had to get a parent loan instead of a student loan directed to her. All of this was within a week of hurricane XXXX. She was able to attend one week of class before XXXX hit, but she lost everything because she was not staying on campus. She came home to XXXX within days of that experience and never returned to school. I am now strapped to pay for her parent loan to XXXX. I have three questions. I had heard that some of the XXXX were not reporting their funding received accurately. I 'm interested in knowing if the schools received the money from the federal student loans for students that did not return to the school due to that traumatic event. Also, in 2005, was XXXX one of the XXXX reporting their funding incorrectly, And are there any special circumstances/ reprieve for students going through XXXX XXXX I also can not repay this loan. I am overwhelmed in debt behind my own student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2015 about Debt collection (I do not know) with Continental Finance Company, LLC (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: My friend XXXX XXXX XXXX has been receiving repeated calls from continental financial they called him this morning at XXXX not saying nothing and breathing in the phone

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Money transfer, virtual currency, or money service (Money order) with PAYPAL HOLDINGS INC. (MD).
Issue: Lost or stolen money order

Complaint: I requested two checks from within my XXXX account associated with email XXXXXXXXXXXX. The request was made on the XX/XX/XXXX and it is now the XX/XX/XXXX and I have yet to receive them. There transaction IDs are XXXX and XXXX. PayPal has shown a message for each transaction ID as invalid which shocks me.

Company response to consumer: Closed with non-monetary relief