milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/27/2017 about Credit reporting () with Experian Information Solutions Inc. (MO).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: XXXX and XXXX also has the BK reporting incorrectly. Experian does not have on their report and should not BK was dismissed and closed XX/XX/XXXX. They have confirmed somehow that is has been discharged. 
I will upload all documents I have : Please review and update supplement : BK case was never discharged. Discharge Waiver This case was then reopened XX/XX/XXXX and then terminated XX/XX/XXXX BK case closed/dimissed XX/XX/XXXX XXXX case was closed without a discharge of debts. Then, a pre-bankruptcy asset was discovered, so the case was reopened. Then, the asset was liquidated and distributed to creditors, and the case was re-closed -- again, without a discharge. That is the correct procedure. 
XXXX 
XXXX 
XXXX, MO XXXX Phone : 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 10/15/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with PNC Bank N.A. (PA).
Issue: Loan modification,collection,foreclosure

Complaint: Upon leaving XXXX, I was behind on a mortgage on an investment property that resulted in the bank seeking filing for foreclosure. I applied for a loan modification, but was denied but I was offered a one-year repayment plan. I completed the payment plan early and in XXXX the court charges were dismissed. I 've been making my regular payments since then, but my loan is still listed as in foreclosure on my credit report, but owing {$0.00}. The loss mitigation department has been unresponsive. They send me letters that they claim to have tried to contact me which is untrue, and my alleged single-point-of-contact does not answer their phone nor do they return messages. They are preventing me from making principal payments on my loan because they claim there may be unresolved charges but they wo n't tell me how much they are. They also overcharged me by maintain the 6 % SCRA rate even though my loan terms made me eligible for a lower variable rate of 3.25 % in 2013. I 've done my best to recover from a difficult period, and I believe that PNC Bank is taking advantage of those who served because we 're easy targets.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2016 about Credit card () with SYNCHRONY FINANCIAL (OH).
Issue: APR or interest rate

Complaint: There was a fee on my Amazon store account through Synchronicity Bank that should not have been there. They are promoting a 6 month interest free payment plan, however I purchased something outside of that promotion, and then made a payment, they did not apply the credit to the non-promotional balance, thus fees started to incur. I contacted them and I assume the funds have been properly reallocated so I will no longer incur fees while the promotional balance is paid off. However, I believe they are in violation of the law by not applying payments to higher interest purchases first. I just want to make this aware to CFPB so they can remedy any illegal actions by this bank and protect other consumers that might not be aware. 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 03/26/2015 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Credit determination

Complaint: I applied for the Paypal Extras Mastercard and was told by Sychrony bank I was approved for 300.00 on the Mastercard. What I got was a paypal account that can only be used with paypal vendors. I did n't not apply for a Paypal smart connect account but this is what I received. I did n't authorize them to run my credit for the smart account. I only authorized my credit to be ran for the mastercard account. Now I have a hard inquiry on my credit and a closed Paypal smart account which now will affect my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, 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 have send letters disputing wrong negative information on my report. Transunion has mail me the results as verify but I have never received any legal proof that negative unverifiable information belongs to 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 08-04-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (FL).
Issue: Using a debit or ATM card

Complaint: I was married and in a abusive relationship. On XXXX, XXXX of XXXX I was called in court and had my divorce granted getting my divorce degree. I then had to travel out XXXX 2 days later and left my wallet at home. Later on I found out that my ex-husband which was still in the house and had been asked and given some time to move out friendly since our divorce was consensual from both parts. He stole my debit card from my wallet and made deposits and withdraws without my permission or knowledge. Since I was out XXXX and sick XXXX I was not looking at my bank account often. I contacted the bank as soon as I was able to, less than 60 days of the happening. I was back in the XXXX XXXX, XXXX still debilitated due to the XXXX. I put a fraud alert on XXXX, XXXX of XXXX. At this occasion the fraud Claim department issued me a new debit card to prevent additional fraud and so my pin number was changed. I am a chase customer since XXXX/XXXX/XXXX, being the account solely mine. I think the bank institution not properly handling my case. since for The transactions I disputed was not authorized by me at all and they are not properly handled up to this point. When I was still married with this abusive person I did help depositing his checks on my account ; however, when we got divorced I was clear to him not to use or get anything that belonged to me at all. XXXX XXXX opened an account with XXXX 's XXXX and He had no need to get into my bank account to make any deposits or even withdraws. I was divorced at the occasion my ATM card was used. It was an abusive person taking advantage and not acting in a good faith. The bank has not given me clear answers on why the fact I was not longer married being overlooked. Even after several phone calls to the bank they still have not removed his deposit from my account neither gave me a solution for the withdraws right after in my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/18/2017 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (IN).
Issue: Deposits and withdrawals

Complaint: I was contacted by email from someone to advertise a sticker on my car and he sent me a cheque but when I deposited the check on  XXXX / XXXX /   2017 I   was confirmed by my bank Chase that it will be verified and clear good in 24hours, which they did in the next day, but on the  XXXX / XXXX /   2017 I w as told to send the money overnight as Money order to an address so they can put the sticker, so I cashed the check even my account did n't have the funds before the deposit but my bank gave me the money in cash without telling that they ca n't since the cheque was not clear or I do n't have enough funds. and I sent the money, but on  XXXX / XXXX /   2017 I re ceived a notice from my bank that my account is overdrawn by the amount of the cheque which is {$2900.00} because the cheque was returned.   the bank froze my account and told me they do n't want me as a customer anymore after I deposited more than the overdrawn amount.   I feel I was mistreated by my bank by not being clear and fair. they should of known the cheque is no good and waited to clear the cheque before giving me the cash.   I did file a report to FBI about the scammer.

Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (KS).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: In XXXX, XXXX I was filling out applications for employment at XXXX XXXX when their databases were hacked. Those who used the XXXX XXXX site received notices to contact all ( 3 ) Credit Bureaus and request a long term freeze and fraud alert for their credit bureau files. I wrote letters to all ( 3 ) credit bureaus with the information the XXXX XXXX gave me and a request for a fraud alert, freeze, and removal of the fraudulent data. All three wrote me back and confirmed these requests, however, on XXXX XXXX, there was a fraudulent request for credit on my credit report and my updated address ( XXXX XXXX XXXX XXXX, XXXX, KS XXXX ) and the removal of my old phone # ( XXXX ) XXXX had been taken care of. But they did not put the freeze on and they allowed someone to put a hard hit on my credit report for XXXX XXXX in XXXX XXXX, Californiia. They allow people to pull without reason from citizens ' credit reports. Please help me!!!

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (VA).
Issue: Loan modification,collection,foreclosure

Complaint: am writing this letter to request that you remove the late payments and the negative items reporting to thee credit bureaus. I know it is your power to do so via theFair Credit Reporting Act. 

Speaking with the lawyers and the closing company it is standard via a short sale package for the creditor to remove all negative trade lines and stop reporting to the credit bureaus. I am selling via short sale with your approval. I need to put this short sale hind me and move on. 
I am requesting that you remove all negative payments and stop reporting the trade line altogether and not report the short sale. 
There are several letters requesting the same in the short sale package and it had stop being reported but now the debt is being reported again XXXX. I am sure this is an oversight. 
I am now attempting to improve my credit score, but am having difficultly due to the negative listing on my credit report. Therefore, I respectfully request that you remove this negative listing from my report as a gesture of goodwill. 
XXXXDelete all the XXXX trade line for all XXXX credit bureaus and not report the short sale.

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2015 about Consumer Loan (Installment loan) with USA DISCOUNTERS LTD (AE).
Issue: Managing the loan or lease

Complaint: CFPB Shuts Down USA Discounters ' Servicemember Fee Scam!!!! 

I had a XXXX and electronics fro USA Discounters. Pretty much a whole house full of furniture. My concern is that for the longest time i was paying my bill with them to the day i paid it off I 'm affraid i might have been ripped off with the scam you all busted them on. Please research my account with themXXXX XXXXXXXXXXXX/XXXX/XXXXMy account was set-up back in XX/XX/XXXX and i paid everything off XX/XX/XXXX i think if my memory serves me right.

Company response to consumer: Closed
Consumer complaint received 10/22/2015 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (MN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company calls for a person with same last name as mine, but different name. I do not know the person they call fo. It is not me. 

I have repeatedly asked them to stop calling. They will not stop.

Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX is charging for equipment which was picked up at the time of disconnection. The equipment was handed over to the technician. I have continuously disputed this on many occassions, yet they continue to report this debt. I have asked for the debt collection company to request proof, yet they do not send me anything. I am furious because they are allowed to report this debt, yet are not able to provide any proof as I have requested previously. I want to file a complaint against Enhanced Recovery company and XXXX as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/19/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (CA).
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint: Synchrony Credit have created an unusable online experience that is making it constructively impossible for me to login and check my balance. -- - I have an Amazon.com Store Card which is serviced by Synchrony Credit. The website, which is the only way I can view my statements, has recently been very difficult for me to use. Almost every time I have tried to login, I am told that my password needs to be changed, and/or that I need to receive and enter an passcode through my phone. On X/XX/2017 I tried contacting the bank both through the online chat support channel and by calling their phone support. The online agent was completely unable to help me. After a lengthy wait on the phone, an agent answered but was unable to understand what I was complaining about. Finally, he transferred me to another support queue, where I was put on hold for an additional ~15 minutes. The representative who answered was also unable to help, but told me that she would forward my request to their IT department. This aggressive login scheme seems to me to be excessive and I 'd like for you to encourage Synchrony to make their online experience more accessible. Thank you, 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 explanation
Consumer complaint received 08-07-2015 about Debt collection (Medical) with CMRE Financial Services, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: CMRE Financial Services ( XXXX ) reported to XXXX a debt of {$350.00} which is not mine. I called and gave my date of birth, which they said does n't match the original medical bill but they demand my XXXX, drivers license, and other documents to correct. 
I feel this is not XXXX or XXXX XXXX, and it is THEIR duty to remove such libelous report knowing it is not my debt. I offered to at most provide a redacted copy of my driver 's license. I plan to sue them if they do n't remove the erroneous report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have recently obtained a copy of my XXXX  credit report. it showed a credit inquiry by your company '' SYNCB/XXXX '' that I do not recall authorizing. it is my understanding that you are not allowed to put an inquiry on my file unless I have given you express authorization to do so. Please have this inquiry removed from my credit report because it is affecting my loan applications and making it very difficult for me to acquire 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 11/22/2015 about Bank account or service (Other bank product/service) with SANTANDER BANK, NATIONAL ASSOCIATION (NY).
Issue: Account opening, closing, or management

Complaint: Santander Bank N.A. is reporting to the XXXX major credit bureaus an account that is not mine. It may very well be an account that was upon fraudulently, as I have been a victim of identity theft. I have submitted online disputes to the XXXX major credit bureaus. XXXX completed its dispute stating that the creditor has updated the status showing that the account belongs to me. The dispute is still pending XXXX. I have been therefore informed to contact the creditor directly. When I did, I spoke to a XXXX or XXXX at XXXX XXXX XXXX XXXX. I was then informed that I needed to contact their Fraud Prevention and Security area at ( XXXX XXXX XXXX. I have contacted the Fraud Prevention and Security area, and was informed that someone will be calling me back. I have not received a returned call to this date. The account was updated without Santander providing any proof that the account is actually mine, and with no further explanation, and with no returned phone call to go over the issues with me. Also, if I recall correctly, XXXX of the representatives mentioned an another address associated with this account that was not connected to me. Further, since I know nothing about this account, I 'm not sure exactly what type of account it is ( e.g. banking or credit card ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 08/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I had an account with  XXXX   XXXX   XXXX  back in  XXXX  ; however, I did have their equipment which was showing that I owed  XXXX   XXXX   XXXX  {$500.00}. On  XXXX / XXXX / XXXX  at  XXXX , I physically returned the equipment and received a receipt showing the return of the equipment. There was no information indicating there was a balance on the account. I called  XXXX   XXXX   XXXX  ( now known as  XXXX   ) one wee k later asking on when my credit report would be updated accordingly. I was then advised that I owe {$220.00} from a previous address back in  XXXX . I explained that I did not have an account with  XXXX   XXXX   XXXX  back in  XXXX  -  XXXX  with the address identified, yet during that timeframe I did have an account with   XXXX   XXXX  . And the account I held with  XXXX   XXXX  closed when I returned their equipment back in  XXXX . The representative explained that  XXXX   XXXX   XXXX  acquired  XXXX   XXXX  which is how the delinquent account appears on their system. I then explained that even it is possible that I owe an amount with   XXXX   XXXX   ( which I do not ) it is past t he statue of limitations to collect and merging a previous bill does not seem to be right.  I then asked for a bill to substantiate the amount owed. The representative then advised that they are unable to send a bill via regular mail or e-mail but I could go to a store to request this information.  
  
 A few days later I contacted the collection agency asking for more information and I was advised that the amount owed is now {$220.00} instead of {$500.00} and if I need to dispute this information, then I can go to their website and add my dispute.  
  
 I contacted Transunion by phone to dispute and a few days later I received notification that the {$500.00} amount is reporting accurately. I have also tried to dispute this with the other major credit bureaus and I am unable to move forward with my dispute. I am also unable to re-dispute this inaccurate information with Transunion.  
  
 The issue here is that this information is still reporting the same on a ll 3 o f my major credit reports even after I returned the equipment to  XXXX   XXXX   XXXX  and was given a receipt that did not show information that there is a remaining balance.

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 10-04-2016 about Debt collection (Credit card) with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: debt oriiginated in XXXX with bank of America {$250.00} payment was falsly reported in XXXX still receiving collection notices from XXXX XXXX XXXX in 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 explanation
Consumer complaint received 01/27/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XX/XX/XXXX XXXX The following account does not belong to me, and this is stopping me from getting a job.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Balance transfer

Complaint: My payments going towards 0 % first and payment not being applied to high interest rate of 25 % from bank of america.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2015 about Consumer Loan (Vehicle loan) with UNITED SERVICES AUTOMOBILE ASSOCIATION (SC).
Issue: Taking out the loan or lease

Complaint: Last week I applied for a used car loan at my financial institution, USAA. I asked for a loan up to {$15000.00} but also told the loan processer at USAA that I hoped I would need a loan for less than $ 15K after we finished negotiations on the car. I was quoted a rate of 2.75 % for this loan. 
After concluding negotiations with the owner of the vehicle for the sale at {$13000.00}, I gave the owner my personal check for {$1000.00}, so the remainder needed for a loan was {$12000.00}. I called USAA to execute the loan, but was told that for any amount less than $ 15K, the interest rate would be higher than 2.75 %. Because of the higher rate, I complained and spoke to several different people in USAA 's loan department, resulting in rates quoted from 4.75 % down to 3.2439 %. They still refused to give me the rate originally quoted of 2.75 %, even though I have a screen printed from their website showing the 2.75 % rate for my loan. They claimed that if I would take the $ 15K ( or higher amount ) loan, I could still get the 2.75 % rate, but for any lesser amount, the rate would be higher. This makes no sense at all, since their risk for a smaller loan amount is less than with the larger loan amount. 

This is nothing more than a classic " bait-and-switch '' tactic. If this was a disreputable loan shark, I might understand their tactic, but for USAA, I did n't expect such dishonorable and dishonest behavior. They should be prosecuted for their " bait-and-switch '' tactic to the fullest extent of the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation