milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-08-2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (NY).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: Based on the information stated in the letters sent, the accounts have been recently closed because of being Unable to verify my Information with the existing public records. The letter further stated that my Social Securi ty Number ( SSN ) and Address  does not match the records. I am trying to figure out why this is happening because as far my SSN and my Address here in the United States is concerned, I have not held any other Social Security Number nor lived in anothe r US State  previously. My family just recently migrated in  XXXX , New York last  XXXX   XXXX ,   XXXX   from the  XXXX  of the  XXXX . Years before that, I have never been in the US. The  SSN and present address I have in the Synchrony Bank records, the ones th at I have in the Credit Reporting Bureaus and with my other credit cards are all the same. This is also what is found in my State Identification cards,  So  cial Security Administration records and the US Federal Department Records. This is my FIRST AND CURRENT U.S.  address. I did't not understand how incompetent their fraud department is for having closed ALL my store card accounts without verifying for my actual identity by calling me or leaving me a voice message. They have my personal number. Other cards that I have do that to verify before making any other attempt. This is the most professional and prudent thing to do considering that I am a good customer.I have gone through the humiliation of having my cards rejected several times at time and forced me to pay in cash. I did n't know what happened until I called customer service agent of Synchrony whohappens to be very unprofessional and without any display compassion about what I have been through.

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 04/13/2017 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: loan XXXX Ocwen has failed to do a loan modification to h assist the homeowner ; now ID XXXX XXXX XXXX of Ocwen is requesting a " down payment ''. A down payment of {$100000.00} was made when the home was purchased 10 years ago. A repayment plan needs to be structured by Ocwen to assist homeowner.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2016 about Prepaid card (Gift or merchant card) with INCOMM HOLDINGS INC. (NY).
Issue: Fraud or scam

Complaint: I purchased XXXX XXXX My Cash Cards on XX/XX/XXXX in CVS for {$500.00} each, total {$1500.00}. When I tried to load them to my XXXX account several days later, XXXX of XXXX cards I bought had issue to load, one of them loaded successfully. I contacted XXXX and tried to resolve this, they asked me to contact a company called InComm, said it 's their partner to handle XXXX Cash. After multiple failed attempts, I finally reached InComm, and they mentioned they will look into it. Then after several months I did n't hear from them, I contact InComm again, they asked me to send copies of my XXXX Cash Card, a bill has my address and driver 's license. After sent all my files, they promised to open an investigation and update me for the case, and gave me a case number but I never heard from them for anything relate to my case for serval months. I almost lost my hope to get my money back, then finally got hold of their customer service again, and the representative on the phone told me the case was closed, and they are not talking to me unless a law enforcement agent contact them, but she 's sure {$1000.00} on my two cards have been loaded to a different account, not mine. She keeps blaming me and said I 'm the one responsible if someone " stole '' my cards, and I told her my cards are with me, and the time when I tried to load them to my account, I was the one who scratched those cards to see the PIN, and I never shared the PIN with anyone! 
After the unpleasant conversation, I did some research online, and found out I 'm not the only victim of this potential fraud. A lot of people posted online they had similar experiences. For example, one case I found on XXXX website, it 's a complaint filed by XXXX, XXXX CASE # : XXXX, it 's basically the same experience I 'm having. And he even posted on his blog of findings he had that InComm had security breach and their own employee potentially stole customer 's money. 

One of his post can be found through this link : https : XXXX I strongly believe this is a systematically flaw in XXXX 's system if not an intentionally scam. Please help me to recover my money lost and investigate InComm for their wrong doing and hostile treatment towards customer, {$1000.00} is a big amount of money for me, you are my only hope! 

Thank you for your help!

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2015 about Debt collection (Payday loan) with Enova International, Inc. (WI).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I have been contacted by a collection agency on behalf of CashNetUSA. I asked for verification of debt to be mailed to me, I was instead placed on hold and told that I had XXXX hour to respond to them or they would file charges. I advised that under federal law it was illegal to threaten me. I was then told they know the law and accused me of not wanting to pay a debt I owe. When I stated I wanted to verify I owe the debt and it was n't fraud, I was asked if I have a police report. Advised I do not because they have not sent me written verification in order to do so. I was then threated again that charges would be filed. 

This is a clear violation of federal law. They would not provide me with the company name, instead the supervisor hung up on me. Another violation. I called back and asked for the company name and was only given XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2017 about Debt collection (Other debt) with PORTFOLIO RECOVERY ASSOCIATES INC (GA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: ORIGINAL COMPLIANT Summary of your complaint Complaint number : XXXX Date submitted to CFPB : XX/XX/XXXX Action taken : SUBMITTED TO FTC SENTINEL NETWORK Product : Debt collection Issue : Took or threatened to take negative or legal action XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Va. XXXX through their attorney, XXXX XXXX XXXX XXXX XXXX file suit against me on XX/XX/XXXX in State Court of XXXX County, Georgia Civil Case # XXXX. 
1. This action was time-barred since it was taken on a debt/default which occurred XXXX XXXX- ( 9 years after the fact ) 2. I was never notified of r XXXX XXXX XXXX 's request for a judgement/or the judgement dated XXXX XXXX. 
3. I was never notified that XXXX XXXX XXXX XXXX as a result of the judgement obtained a lien on my home dated XX/XX/XXXX. 
4. I only discovered the Judgement & Lien as a result of a routine home mortgage refinance- which is now in limbo.

5. Portfolio Recovery Associates, attorney XXXX XXXX XXXX XXXX XXXX has failed to respond to 2 request to resolve this matter.

6. A request was made today directly to Portfolio Recovery Associates to have the suit /lien vacated immediately.

7. I advised after the suit/lien has been vacated I am more than willing to work with Portfolio Recovery Associates toward a mutually satisfactory resolution of this matter.

8. I notified Portfolio Recovery Associates that their actions are a violation of their XX/XX/XXXX signed Consent Agreement, which specifically prohibited them from suing past the statue of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (WA).
Issue: Other

Complaint: I was diagnosed with a XXXX that rendered me unable to work and was placed on retirement status ( Federal XXXX Pension ). I informed Capital One Union Plus of this information. I even received a XXXX grant from the Capital One Union Plus Credit card during the period that I was waiting for my retirement benefits to process. Capital one said they understood and would wait until my annuity began before taking any action on the account. The federal government took over a year to process my pension. Capital one did not wait and closed my account. Several times as noted in my XXXX phone log, between XX/XX/XXXX - XX/XX/XXXX I have called Capital one to pay the account as my pension was finally processed. They declined accepting the money to pay the account and then sent the account to collections ( XXXX ) instead on XX/XX/XXXX. Both Capital one and this collection agency are reporting negatively on all XXXX of my credit reports. None of this would have happened if Capital One would have accepted the payment at the time it was offered before the account was sent to collections. I feel like these are devious and unscrupulous games geared toward harming and/or discriminating against the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2017 about Mortgage (Conventional fixed mortgage) with BOK FINANCIAL CORP (NM).
Issue: Loan modification,collection,foreclosure

Complaint: Bank of Albuquerque referred this account to an attorney and initiated a foreclosure action before properly reviewing my modification request, which has been pending for a long time now. I have never received any decision from Bank of Albuquerque regarding my pending loan modification/loss mitigation application. 
As a result of Bank of Albuquerque 's failure to assist me with my application, I requested assistance from XXXX ( a HUD-approved housing counseling agency based in XXXX ) since the XXXX. XXXX has been assisting me with trying to preserve my home ; they have submitted a workout package/loan modification/homeowner assistance application, which is pending review. 
XXXX has informed me several times throughout this process that Bank of Albuquerque staff is often unresponsive and not helpful in trying to process ( and expedite ) my loan modification request. There has been no continuity of contact -no single point of contact- to assist with loss mitigation options, as required by law. The times I have contacted Bank of Albuquerque to discuss my options and pending loan modification/loss mitigation application, there is an unreasonable wait time, being put on hold, and ultimately never getting to speak with the " right '' person. If this lender/servicer would be cooperative, as required by law, perhaps the process for me to obtain a modification and get current would have been easier and without so many roadblocks.

Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XXXX XXXX is reporting a negative report on an account that is outside of the 7 years statute. According to the report the original delinquency was XXXX 2010. 
XXXX XXXX XXXX XXXX is also reporting negatively for a delinquency they show reporting from XXXX  2010. 
XXXX XXXX is reporting twice on My report. Also showing accounts that show delinquent from 2010.

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 10/15/2016 about Credit card () with CITIBANK, N.A. (VA).
Issue: APR or interest rate

Complaint: My Citi ( XXXX ) XXXX ( R ) Card charged me interest even though I paid my account in full. When I asked them about this, they said that with this particular card you are charged interest from the prior month on your daily balance, even if you pay your account in full.

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 06/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with MB FINANCIAL, INC. (MI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have multiple unauthorized credit inquiries  (   XXXX  in total ) over the past year coming from the same agency. The first  one  started on  XXXX   XXXX ,  XXXX  till the last one that happened  XXXX   XXXX ,  XXXX . This appears in   XXXX   and  XXXX  credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 about Debt collection (Credit card debt) with Credit One LLC (IA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a notice in the mail on XXXX/XXXX/XXXX, which was dated XXXX/XXXX/XXXX from Creditone, L.L.C.  stating they were the current owner of my account and would like to offer me an opportunity to resolve the account for less than the total amount due. Stating the amount due was {$2300.00} and that they would accept payment of {$350.00} to satisfy the account, or monthly payments of {$32.00} per month under an agreed plan. I called to dispute, and after verifying my name and last four digits of my social security number, they said it was for a furniture purchase in XXXX. I said I have never purchased furniture on credit, so it was not my debt. They said they would request the original documents and send them to me in 6-8 weeks to see if I recognize the debt. Again, I stated that I have not purchased furniture on credit, and would remember if i did, so I am disputing this clam. The man said there was nothing I could do and I would have to wait for the documents, which would take 6-8 weeks. After the call, I realized that this was past the 10 year statute of limitations in Iowa, and not only was it not my debt, they had no legal recourse to try to collect it.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2017 about Debt collection (I do not know) with Security Credit Services, LLC (UT).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: " Security Credit Services '' is reporting two separate amounts in collections on my credit report. I have sent them two separate requests for validation, as the original creditor was n't one I recognized. The most recent request was sent on XXXX/XXXX/2017, and is attached to this complaint. They have failed to respond in written correspondence, with the information needed to validate any accounts they have in my name, or any amounts they are reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2018 about Checking or savings account (Checking account) with PNC Bank N.A. (PA).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: I own a commercial building and previously banked with PNC. 
My tenant inadvertently sent the rent to PNC bank XXXX, but we had changed banks, closed the PNC accounts, and notified the tenant. 

PNC cashed the checks totaling almost {$7000.00} and held the money for several months. They now claim the funds were returned, but XXXX XXXX, who originally issued the checks, has provided documentation of the cashed checks and the account debits, and has no record of the funds being returned. After 4 months and numerous phone calls emails faxes etc, PNC has still not provided acceptable documentation of the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: filed police report houston pd # XXXX violates my fcra act hippa remove stuff that are not mine Id theft victim

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 05/13/2015 about Mortgage (Conventional fixed mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (PA).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage is with Beneficial Finance. EVERY month this year I have REPEATEDLY called as I DO NOT receive any statements!!! My due date is the XXXX, of course, the sooner you pay the less interest. I am at my wits end with this company trying to get them to send me statements. It is now the XXXX and still no statement. Mailing my payment takes a XXXX to arrive at their office, then more time for them to post the payment. As such, at times my payment is late and interest keeps building.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2015 about Credit reporting () with Experian Information Solutions Inc. (WA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: While checking my personal credit report, I noticed an Employers listed as XXXX and XXXX on Experian credit report. I have never been employed by these companies. I am requesting that Experian immediately remove the unknown names of Employers listed on my credit report immediately. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to correctly identify me in their system.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/28/2017 about Credit reporting () with EQUIFAX, INC. (AR).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Equifax continues to report this erroneous, unverifiable, inaccurate account on my credit report. I have disputed this account ( XXXX ) with this bureau on 4 occasions and each time it was verified. In XX/XX/2016, I disputed this account with XXXX XXXX XXXX, XXXX, who at that time was reporting this item. I received this letter from them in XX/XX/2016 where they indeed stated that they had submitted a request for each bureau to remove this item. It is now XX/XX/XXXX and Equifax is still reporting this item. Additionally, how are XXXX collection agencies attempting to collect this same debt. Equifax is allowing XXXX XXXX and XXXX XXXX to report. That is against the law. XXXX collection agencies may not attempt to collect on the same debt. This bureau has been relentless in reporting and updating my credit reports. These accounts should be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (NY).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: My complaint is against American Express with my XXXX rewards credit card. I verified with an agent that I had made enough purchases to qualify for an additional XXXX points and an elite status. When I did not receive the points I called on XX/XX/XXXX and was promised by the supervisor XXXX from XXXX for this to be updated and my points and status to be changed due to inaccurate information given to me by the agent. I made {$50000.00} in purchases but the agent failed to tell me that I needed to make an additional {$23.00} dollars in purchases as they deduct the credit card fee. I spoke to XXXX in Florida and he promised to adjust this. Nothing has happened.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I sent a certified letter to  XXXX  about inquiries that I did n't authorize or recognized and I asked them to remove the inquire s. In 2016 it was some accounts deleted off of my report because they did n't belong to me. The accounts had the same name as me but different addresses. after looking at my credit report I seen all these inquiries and some of them were reporting more than once.They sent me a letter informing me that, they are not required to r emove these inquiries, I needed to contact the companies. I contacted the companies and they said I need to contact the credit bureaus. These inquiries have stopped me from getting the credit I believe I deserve. The reason for denial is too many inquiries. I 've asked this company by phone and in writing but nothing has changed.

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 12/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: This loan was charged off and settled in XXXX of 2016. I requested that all information about this loan be removed as a condition of the settlement however it still appears. This loan company makes predatory loans on small/disadvantaged businesses with onerous terms and high interest. This loan was one of the factors that led to the failure of the associated business.

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 12-03-2015 about Debt collection (Payday loan) with Debt Management Partners LLC (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: A man by the name of XXXX XXXX contacted me regarding a debt owed saying it was from XXXX XXXX XXXX for approximately XXXX. This man ID Himself as a detective when he is really a collections agent and stated that I missed a court hearing for a civil suit that was filed against me and that if I did n't pay the moment today a bench warrant would be issued for my arrest and I would go to jail. He also threatened my liscense being suspended and wage garnishment. I want my account removed from this company and k want the harassment to stop. This man did not validate my debt read me the mini Miranda advising me of his attempt to collect a debt and would not provide me with there companies address. I found out through XXXX XXXX XXXX that they sold the debt to debt management partners LLC who sold it XXXX that they are the ones with the debt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2016 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX, Activity Designator Should be " Paid and Closed '' The Pay History should reflect only for the months in which this account was opened. 

When EQ manually updated this Tradeline XX/XX/2015, the Pay History was space filled with NR.

Company response to consumer: Closed with explanation