milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/15/2015 about Credit card () with SYNCHRONY FINANCIAL (NJ).
Issue: Application processing delay

Complaint: I have not been able to access the " reconsideration '' department for the Paypal Extras Mastercard, as Paypal has automated the process. 
I am trying to get rid of all connections to traditional banks, and move all of my financial products online. I really liked the way the Paypal Extras Mastercard was set up, and applied for it. Paypal 's automated system declined me for any amount, which I feel was unjustified so I attempted to reach a " real life '' credit analyst so I could review the application with them. Paypal did not have any way of reaching this person through traditional means, therefore I attempting to use the CFPB to have Paypal 's Executive Team look at my account and reconsider the card. I have XXXX accounts with Paypal : My business ( XXXXXXXXXXXX ) and personal ( XXXXXXXXXXXX ) I have a Paypal Credit account tied to my personal account that has been in good standing and paid off on time every month. I also have a XXXX Credit Card and XXXX credit card that have been paid on time each month. I had some issues with my student loans a little while back, however I created a settlement two years ago, and have been paying them faithfully on time each month for the past two years, and any " human '' analyst would be able to see that all past issues have been fully resolved. I am looking to transition from my XXXX XXXX XXXX, to the Paypal Extras Mastercard because I want to get rid of all traditional banking and only use " online banks '' as I trust their technology more than I trust the big banks. I was hoping to get approved for {$3000.00} as that would allow me to be able to spend for my everyday expenses of about {$1000.00} per month, as well as have {$2000.00} for any emergencies that may come up. I have a salary of {$43000.00}, which is more than enough to ensure that I will pay off my balances each month. I ask Paypal to review my XXXX Credit history to see that I have continuously paid you back on time, and will continue to do so. Please re-review my application, and change my status to approved, so I can continue to use Paypal 's awesome banking servicesAccount ID : XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2017 about Vehicle loan or lease (Loan) with Home Loan Center, Inc. (AZ).
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint: XXXX XXXX advertises as a highly rated auto loan lender. They do n't clearly indicate prior to asking any personal information that they are intermediaries and are selling your information to several lenders. At the end when prompted to enter the last 4 digits of ss #, they do n't give you a warning that proceeding will cause several companies to pull your credit. Instead of a 'submit ' button clearly identified as last step before your information is released to them, their button says 'View Free Rates ', once you click on that, the screen disappears and no rates are given or provided. 
Then i called their phone number and that is when I was explained that i had authorized several companies to pull my credit. 
This is deceifull and not at all what i wanted, and could cause my score to go down due to the inquiries. 
Very upsetting

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2017 about Debt collection (Other debt) with I.C. System, Inc. (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have an unverified account from IC SYSTEMS. I had previously disputed this account. I have never done business with IC SYSTEMS. 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 IC SYSTEMS Provide verification of the fol lowing : 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 itemizat ion of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that IC SYSTEMSCease and Desist all further communications and collection actives and provide the verification of the purported debt.

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 04/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX XXXX is reporting an inaccurate late on my credit report.

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 09/28/2016 about Credit card () with CITIBANK, N.A. (CO).
Issue: Late fee

Complaint: This morning my mother found out that Citicard had switched her to paperless statements without notifying her or asking for authorization. I 'm pretty sure this is illegal but even if it 's not it 's an abuse of the system. My mother is probably like many Senior Citizens in that she prefers to receive paper statements. Not receiving one meant that she was charged a {$53.00} late fee on top of her minimum payment. The good news is that when she spoke to a representative they told her they 'll credit the late fee to her next bill ; my concern is that more people need to be aware of this potentially happening to them and ruining their credit rating. At the very least.

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 08-06-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MI).
Issue: APR or interest rate

Complaint: I was given a credit card increase twice on my card from {$300.00} to {$500.00} and just recently to {$1700.00}. My account was sold from HSBC card services to Capital One credit card. They have kept the interest rate from HSBC from 19.99 % to 20.79 %. I called on Monday XXXX XXXX, 2015 to ask could they lower the interest rate. The supervisor told me that she could not lower the interest rate because of the Prime that was going on. I explained to her if I am given a credit increase this must indicate that my credit should be good enough to lower the interest rate. When I send in a payment the interest and fees on the card are more than the payment. The minimum payment does not even help to pay down the balance because the interest on the card is so high.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07-04-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (NY).
Issue: Application, originator, mortgage broker

Complaint: My name is XXXX XXXX address XXXX XXXX XXXX XXXX XXXX, New York, XXXX, loan # XXXX. My name is XXXX XXXX, I think thats violation of people privacy, so one to many time, My wife and I inside my apartment while I try to take shower in my bathroom, then i see something flashing on me, I do n't know what is that but when i see that It is very scary for me and my wife, because that do n't suppose to happen when I take off my clothes too take shower, to see something like that happen that make us very scared to take shower in our bathroom. That cause us to not take shower at all eventually we find out that is WellsFargo send the agent to do that, WellsFargo know very much that we are living in this house. They know that this house is primary residence because what they do. That trouble my wife and I that make us do n't take showers because they try to take our picture. We find out WellsFargo send the agent out to take the house picture. If for any reason Wells Fargo want to take the picture of the house they should advise us, they have to tell me where they get that right from. Its not only they take the picture they send me the pictures and they say they do it. I have the picture. To me thats a violation of Human Privacy. I think that is malpractice on behalf of WellsFargo.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (MD).
Issue: Loan servicing, payments, escrow account

Complaint: First off I was sold to ditech from Greentree which I have never had a problem with. I just received a Annual Escrow Account disclosure statement and I noticed that I am being increased in my monthly payments by {$70.00}. I phoned ditech and told them that I received an overage check from my insurance company and that the amount actually owed was only {$870.00}. I told them I would send the paid receipt so they can re-adjust my escrow account and they refused to accept that. The customer service for this company is very rude including a manager who I asked for who was also no help. Also on my disclosure my current escrow is for {$400.00} and my new payment escrow is {$390.00} plus escrow shortage of {$81.00} does this make since no.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2017 about Debt collection (I do not know) with Bliksum, LLC (CA).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: I received a text from my landlord on XXXX 2017 that a creditor named XXXX has contacted him stating that I owed money to them. Stating how long I have been apparently on default with them and also stated an amount due to them immediately and asked my landlord to contact me and have me call them immediately. 
I was appalled that they have contacted my landlord and informed them of a debt that I apparently owed. This is a violation of my privacy and the FDCPA act. How did they even know who my landlord was and how did they even get his number? This is very disturbing to me. 
This is not only an embarrassment to me, but a pure act of defamation of my name intentionally informing my landlord of debts that felt my landlord needed to be aware of about me. I demand this company to cease and desist all calls to ANYONE other than the person that owes the debt. I will be filing a personal lawsuit against this company and will be demanding that they prove this debt even belongs to me. They must prove it belongs to me by providing me a signature IN WRITING and i sure hope they are not reporting false information to any of the CB 's. Very livid.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2017 about Credit reporting () with EQUIFAX, INC. (OR).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have a XXXX address on my personal information that is not mine and I want it removed. I also want the hard inquiries removed they were expose to be soft inquiries not hard I would like them removed.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Mortgage (Conventional home mortgage) with BAYVIEW LOAN SERVICING, LLC (NY).
Issue: Struggling to pay mortgage

Complaint: I am a XXXX year old widowed XXXX senior citizen who is not only a " Victim of Predatory Lending '' since 2007, but I believe that my " Civil Rights '' have been violated according to the 13th & 14th Amendments of the U.S. Constitution & Certain Congressional Acts, especially applied to an " Individual '' or a " Minority ''. Each year nearly One Million Loans are made with " unreasonable terms '' & " abusively high lending fees ''. The Elderly 's property wind up in Foreclosure, because the institutions know that they can not afford this in the first place! I have been told by Attorney 's at the XXXX Supreme Court house that it is in fact " Predatory Lending ''. I have proof if you need it!
I have submitted with the help of my niece over 25-50 Loan Modifications to the different agencies that were chosen to collect from the Original Mortgage Company, American Dream Mortgage Bankers , Inc. Each one was denied because I could n't afford the payment. The servicing company at this time is Bayview Loan Servicing , LLC. Please note that I am in the process of yet another loan modification that was requested from them and received by my niece on XX/XX/XXXX( please note that my niece receives all the necessary paper work, because I can not do what needs to be done ).
I recently found out that XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX has the original note.
How is this possible that Banking Institutions can get away with this Injustice? It has been 10 years that I 've been fighting to keep my home, why is n't anything being done to help me? All I keep hearing is " You can not Afford this '' ... .of course I ca n't, I could n't afford this in the first place. Unfortunately, for me it was the first time that I had to handle business shortly after my husband passed.
I have sent copies of my latest " Hardship Letter '' to the Honorable Donald J. Trump USA, The US Dept. of Justice, Civil Rights Division, The Honorable XXXX XXXX, XXXX XXXX, XXXX XXXX, The US Dept. of Urban Development, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. & XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
I now owe on top of my 520.000.00 Mortgage {$350000.00} in late fees. I only receive SS & Veterans Pension for Husband. I have two tenants that lease the 1st & 2nd floor apartments. Please help me resolve this issue once and for all. I am sure there are millions of Seniors in the same place, maybe we should start a " Class Action Suit ''?

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (NC).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have never had an account with these companies. These are fraudulent accounts. I have never received any information on these two accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX open XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX open XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/16/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (VA).
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint: I had a plan to pay my loans every month for a certain amount, I 've done that. I always make my payments and yet they tell me I 'm late charge late fees call Day and night call family that does n't even have their names on the loans. They harass me all the time, they text me with fake information to try to get me to call them they call from random numbers with lies about things to trick me into call them. I had an agreement with the company from the start I have proof to show this agreement. I 've called them I 've emailed them, at first they acknowledged this and they stopped then they started all over again. My payments are n't even being applied to my loans I just get charged late fees every month even though I am paying every month. This company is stealing from me and other people and they do whatever they can to get money.

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2015 about Credit card () with SYNCHRONY FINANCIAL (PA).
Issue: Closing/Cancelling account

Complaint: I have credit cards on my credit report as far as 1994 still showing which is derogatory to my credit ... I have a mailed report that XXXX was taken off, and its showing on my credit, I have XXXX fashion bug cards showing on m report that have n't been used, no money owed from yrs back, I do not understand this at all ... I also have XXXX XXXX, XXXX, and XXXX, now these are old accts that are ruining my credit..I want them taken off, they have n't been usd in yrs, and I do n't even have a XXXX XXXX acct, and was supposed to come off, still shows I paid a collection, Now my daughter had the same thing, her collection is totally off, I paid XXXX XXXX for XXXX XXXX XXXX XXXX I was told XXXX XXXX XXXX that it would go away.At this time I am trying to do what I can as my husband XXXX left me XXXX closed our bank acct. took his check and left me, new house, car, whatever, and I am struggling for my credit ... I need some kind of credit, and I know it takes time to repair, I am doing the best I can, now these cards I am talking about, I have n't used in yrs..Please take them off my credit! 
Thanking you in advance XXXX XXXX XXXX ... XXXX XXXX XXXX Pa XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2015 about Debt collection (Credit card) with Crosstown Law, LLC (FL).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I hired a company to clear false information in my credit report. I received this letter from Crosstown Law, LLC representing XXXX XXXX XXXX , XXXX. Threatening legal action etc. if I do not pay the amount they requested and/or contact them to dispute or validate said account.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

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 02-06-2016 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: This is a dispute pertaining to multiple inaccurate late payments reporting after account was charged-off closed XXXX/XXXX/2011. I disputed with Experian and included a portion of my XXXX credit report but the inaccurate infor- matiion was verified. The creditor has stated that these differences on XXXX Experian report should be disputed with Experian. I did so but was not successful in having this inaccurate, injurious info deleted.

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 04/19/2015 about Debt collection (Credit card) with SQUARETWO FINANCIAL CORPORATION (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: The creditor sued me and obtained a judgement against me and subsequently garnished my wages on debt that had passed the statute of limitations.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Debt collection (I do not know) with National Credit Systems,Inc. (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have asked these collections agencies on several occasions to provide me with proof that the debts belong to me. I have also asked for XXXX XXXX XXXX and NATIONAL CREDIT SYSTEMS INC to proved me information such as : I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the account listed above. 

Under the FCRA, unverified, invalid accounts must be removed. 
If you are unable to provide the me with a copy of the verifiable/validated proof that you have on file within 30 calendar days from receipt of this notice, for the account listed above then you must at once remove the account from my credit reports. I demand the account be verified or removed immediately! 

I have also asked these collections agencies : CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.

Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 

Please provide the name and address of the bonding agent for XXXX XXXX XXXX in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back. 
and all I 've received was their letter stating that I owe these debts and some copy of an application and a lease.

Company response to consumer: Closed with explanation