milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-08-2015 about Credit card () with SYNCHRONY FINANCIAL (NY).
Issue: Billing disputes

Complaint: I had tried to make purchase in XXXX XXXX XXXX with my XXXX XXXX XXXX credit card in the beginning of XXXX but the card did not work. The card was blocked. I was not given any explanation of the reason. On my own I had put request to Creditor and got the letter from Synchrony Bank, Creditor with such explanation : " PRIOR UNSATISFACTORY OBLIGATION WITH US ''. Why!? And without any explanation. 
Then I put XXXX more request and got the letter that my account was sold to XXXX XXXX XXXX , XXXX. And finally on XXXX/XXXX/XXXX I got the Letter from XXXX XXXX XXXX from which to my surprise I discovered that my balance with XXXX XXXX XXXX was {$240.00} ( original balance {$94.00} on XXXX/XXXX/XXXX + interest and fees ). 
I never got any bill from XXXX XXXX XXXX for this original balance. I never got any bill with notice that I did n't pay in time. How could I pay balance without a bill? 
On XXXX I have paid {$120.00} ( half of my mysterious debt ) during phone talk with XXXX XXXX XXXX, XXXX agent. 
If even the original bill was lost why I never got later in XXXX any bill from XXXX XXXX XXXX. May be the reason was to accumulate fees and interest? 
I feel absolutely upset with XXXX XXXX XXXX policy because I always paid all my bills in time. I do not understand why should I pay for somebody 's mistake.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/24/2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: XXXX placed a collection debt which does not belong to me. I have mailed a written request asking for validation of the items and have not received assistance or information to dispute the items.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2017 about Debt collection (Credit card debt) with Pressler & Pressler, LLP (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: XXXX XXXX ( XXXX XXXX ) had XXXX sheriff serve notice of suit to an address that I no longer reside in front of children and neighbors causing great embarrassment to relative that purchased my property in XX/XX/XXXX. This document was not sealed giving access to my personal information and the nature of the suit. Relative read contents over the phone to me. In addition this agency ( XXXX ) had previously called other family digging for information on me and sharing personal information which violates my rights under collection laws This debt was factored or sold by XXXX to XXXX XXXX apparently. This debt had previously been placed with an Illinois agency by XXXX. They refused to negotiate a reasonable repayment plan after our rental property was damaged in Hurricane Sandy in XXXX. I will only negotiate and pay XXXX, not XXXX XXXX. 

I have never spoken with anyone at this agency ; nor was I notified of any legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2015 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Common Wealth aka or dba XXXX, reported XXXX medical collections to my bureaus as XXXX accounts. I paid the accounts and they provided me with a deletion letter to only turn around and report new collections on my XXXX Report 16 days after I paid the collections

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2016 about Bank account or service (Other bank product/service) with SYNCHRONY FINANCIAL (TX).
Issue: Account opening, closing, or management

Complaint: We opened an account through GE Capitol i.e syncrony bank and turns out we 're paying way over after only missing XXXX payments. We have banking documents calculating the payments and they 're totally taking money from us.

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 03/27/2018 about Debt collection (Credit card debt) with Receivables Performance Management, LLC (NY).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have sent out validation letter asking them to validate al the information I asked for in my letter.They sent back a copy of a computer generated printout, that does not in no way abide in accordance with the fdpca. 

They will not properly validate the 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 12/24/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: These XXXX collections on my record are incorrect and should not be there.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-02-2015 about Debt collection (Payday loan) with GVA Holdings, LLC (MI).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I received a call from XXXX XXXX XXXX XXXX, for an unpaid payday loan. He told me that I had been contacted several times for the unpaid debt, e-mail, and mail. I have received no e-mail, or mail concerning the debt. He told me that the parent company is going to press charges, he had my social security number. He also said that he would be contacting my places of work, and most likely will have to pay the court restitution of over five grand. I might even be put in jail. He would not give me a copy of the so called " affidavit ''. He told me that I would have to get a criminal attorney, because instead of suing me, the " company '' is going to press charges for fraud and theft. He also yelled at me for " crying '' /being emotional when he first called me. He called me 3 times in the past month. He called from a New York number : XXXX. His name is XXXX. He also said that he would be investigating me further, and contacting my employers as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2017 about Credit card () with BARCLAYS BANK DELAWARE (NY).
Issue: Billing disputes

Complaint: XX/XX/XXXX I ordered XXXX face creams on the internet one called XXXX and XXXX. The first cost {$5.00} and the second {$3.00} and for some reason another {$.00} each from a company XXXX CA XXXX.I did n't like the product so I followed the instructions on the paper enclosed with the products. I recieved XXXX dispute numbers XXXX and XXXX. I was told to return the samples which I did and that would be the end of it. These products were put on my XXXX rewards mastercard. On my next statement I was charged {$97.00} and {$100.00} these charges were not authorized by me. I followed the instructions, had to pay for the shipping to return the products. To my knowledge I had done my share of what was required to have these charges taken off my bill. .On XX/XX/XXXX my credit card statement ending in XXXX was a negative - $ XXXX.I have not used this card, I cancelled it and have n't used it since. On XX/XX/XXXX I recieved a bill with not only the charges previously charged back in XX/XX/XXXX, but also the charge of {$40.00} annual fee for a card that I had thought I cancelled. When I call the Barclaycard XXXX mastercard, they tell me that they are still looking into it, and the charges remain until they make up there minds. In my last conversation with them I was on a three way conversation where the person on the other end asked me to send a copy of my social security number and a copy of my drivers license. I have never heard of such a thing I thought this was a reputable company Barclay Card services. I have had a XXXXcard for 15 years when it was XXXX XXXX There was never a problem. In conclution I have done everything possible on my part to have these charges removed, I no longer have the product, ,and to think that the credit card that I have had for years while it was XXXX XXXX has changed to this level upsets me terribly..

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 04/19/2017 about Payday loan () with Ad Astra Recovery Services Inc (CA).
Issue: Received a loan I didn't apply for

Complaint: I was notified that I had taken out a loan, tried to fight it with the vendor and eventually just paid it to get it off my credit. It is still on my report and I want it removed. The above reason does n't accurately describe it. I did not ask for the loan or receive  it. Ad Astra  originally said if paid the account would be removed but now said they will only remove it if I file a complaint. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Late fee

Complaint: Bank of America keeps charging me late fees after many attempts to be able to pay online. I sit on hold and just get hung up after the techs can not figure out what 's going on forcing me to pay over the phone.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 10-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Experian is stating that my XXXX 2014 payment for the mortgage account XXXX with XXXX XXXX XXXX was 30 days past due. XXXX XXXX XXXX previously listed the payment due that month as past due incorrectly, but I worked with them to have the error fixed through a CFPB dispute earlier this year. I have a letter from XXXX XXXX XXXX that clearly states that this payment was not late - and the other two credit bureaus removed the late payment from my credit report, Experian is the only company that still shows this payment as late.

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 02-01-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I keep paying navient. I even put it on automatic pay and they are always telling me I am late

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 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: Account status incorrect

Complaint: My student loans are reporting as late but were never late due to a retro active forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2018 about Debt collection (Other debt) with CCS Financial Services, Inc. (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have a unverified account from XXXX XXXX XXXX. I had previously disputed this account. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I request that XXXX XXXX XXXX Cease and Desist all further communications.Credit Collection Services needs to delete this account from my credit report and stop all contact with me.Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805., you are hereby notified to CEASE AND DESIST all further communication with me in regard to the referenced debt. Failure to abide by this law will result in a complaint being filed against you with the Federal Trade Commission, the Attorney General of both your state and mine, and also your own company management. I also have the right to file suit against you for any future violations of this law. I will record any and all phone calls if you fail to comply with this CEASE AND DESIST.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax did not properly secure my protected personal information from intrusion, such as through appropriate patching, 2-factor authentication at the point of service, segmentation of data, etc. As such, it appears my full name, Social Security numbers, birth date, addresses, credit cards, and possibly driver license number is cross-matched to each other and in the hands of criminals who can use this data to breach any number of accounts in perpetuity such as my banking and financial data, medical data, legal complaints, political data, and any other number of sensitive accounts.
Further, I am unable to secure these accounts because they ask for the very personal information that is breached in order to verify my identity and approve a change.
Equifax is currently offering a limited credit monitoring service. It is the onus of the victim to search out this information and service, and the service itself looks like an unreliable third-party website asking for 2/3 of one 's social security number plus last name and most importantly, a waiver of all class action recourse in order to discover if one is among the breached accounts, only changed to waive class action recourse from the third party site if it too is breached with the sensitive data it is querying once the news of this spread. This is insufficient to the need created by their negligent protection of my information, which I did not give them myself, but which they curated as their business from other businesses.

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2016 about Debt collection (Credit card) with Nations Recovery Center (AZ).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Debts were incurred to XXXX around 15 years ago. The total claimed is around {$41000.00}. The debt has never been affirmed or refreshed. To the best of my knowledge, no judgment was ever obtained. Even to the extent that it had, then it would have expired long ago. However, the company ( national recovery center, inc. ) is now attempting to collect this debt. ( note, i submitted an earlier complaint against National Recovery. that name was incorrect, and this complaint corrects that mistake ).

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 06-07-2017 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Struggling to pay mortgage

Complaint: BANK OF AMERICA THE MASTER SERVICER HAS DIVISED A SCHEME WITH  XXXX    XXXX   XXXX    AND IS DISCRIMINATING AGAINST US BECAUSE WE FILED BANKRUPTCY AND VIOLATING BANKRUPTCY LAWS BY PROVIDING US WITH FRAUDULENT DOCUMENTS  XXXX   XXXX   XXXX  and Bank of America Mortgage Servicer the Master Servicer HAS VIOLATED SEVERAL BANKRUPTCY LAWS AS WELL AS federal and state laws when providing responses to multiple complaints filed through the Consumer Financial Protection Bureau.  XXXX   XXXX   XXXX  and its employees and Bank of Ameri ca Master Servicer  and its employees provided multiple fraudulent documents including a fraudulent deed with wrong dates. In providing these fraudulent fake documents as authentic  XXXX   XXXX   XXXX   XXXX  and Bank of America  Master Servicer  has violated federal and state laws. In providing these multiple fraudulent fake documents in attempt to deceive  XXXX   XXXX   XXXX  has also failed to truthfully respond to several Qualified Written Request made by us through the Consumer Financial Protection Bureau.

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 10/16/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (CA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: My credit card payment with US Bank was due on a Sunday. I paid on Monday morning ( XXXX/XXXX/XXXX ) the following day, and was charged a late fee. The credit card act of XXXX allows for payments that are due on Sunday to be paid without penalty on the following week day. I have asked 3 times for US Bank to reverse the charges and they have not done so. They have sent me an email stating they are forwarding my email to their " President '' for a response, which I have never received. They sent me XXXX a packet of the legal terms of my card. I am extremely appalled at the blatant refusal of US Bank to resolve my issue or even to respond in other than an enigmatic or a secondary manner.

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 07/28/2017 about Debt collection (I do not know) with Weinman Acquisition Group (TX).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: Weinman Acquisition Group continually calls me after I told them to STOP calling my phone. The rep goes on to say I will call you three more times how bout that and do what you have to do?? I 've emailed and called them to stop these harrassing phone calls and they still do so. Now I will file a lawsuit in court. Also stating a warrant for my arrest would be served if I do n't contact them. I have a voicemail stating that.

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I 'm complaining about Credit bureau Transunion. I recently did many disputes against this credit bureau about inaccurate information that was listed on my credit report. I received my credit report and some of the information was not accurate. On my credit report I have an identity theft/fraud identity listed and everytime someone use my social security number for credit, the creditor suppose to call me. I never received a call from the creditors and I have disputed many time with Transunion about credit inquiries on my report. Here is the following credit inquiries that is listed on my credit report : XXXX XXXX ( X/XX/17 & X/XX/17 ), XXXX XXXX XXXX XXXX ( X/XX/17 ), XXXX ( X/XX/17 ), XXXX ( X/XX/17 ), XXXX XXXX ( X/X/17 ), XXXX ( X/XX/17 ), XXXX XXXX-Credit card ( X/XX/17 ). <P/>Second dispute with Transunion was two public records ( bankruptcies ) on my credit report. I spoke with a customer service rep at the Federal Court of Bankruptcy and the rep stated that the court do not verify any public records with the credit bureau. I disputed the two public records again with Transunion and they never removed the public records off my credit report. I called Federal Court of Bankruptcy and talk to another customer service rep and he stated that Transunion never contacted them to verify bankruptcies on my credit report. So now I 'm sending a complaint to Consumer Financial Protection Bureau and this week I 'm going to hire an attorney to file an claim against Transunion, because they are putting the wrong information on my credit report without checking with the creditors to make sure that I have applied for credit and checking to make sure that the information that they are added is accurate. I 'm so frustrated with the credit bureau, because they are adding information to my credit report and the reps are very rude when you call to dispute items. XXXX has removed the two public records off my credit report, because the information was inaccurate. Now Transunion need to have those two public records and credit inquiries removed from my credit report. I have been an victim of identity theft and it is listed on my credit report, so there should be no excuse for this. I will be hiring an attorney to file a claim.

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 03/18/2017 about Debt collection (Medical) with LENDING CLUB CORP (CT).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: This is a XXXX bill from at least 2 years ago. XXXX started sending my past due statements to my ex-wifes parents house where I have never lived there and she has n't lived there in over 15 years. They continue to call my cell phone every day at least 5 times a day. They called me 7 times today from unknown caller within a 8 hour window. I have told them to stop calling and just sue me if they want because I do n't have the money.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2015 about Mortgage (FHA mortgage) with Caliber Home Loans, Inc. (SC).
Issue: Loan servicing, payments, escrow account

Complaint: I closed on my mortgage loan XX/XX/XXXX. Since that time, home values have increased substantially in my area. My home was also a foreclosure home. I have a large amount of equity in the home due to the fact that it was purchased as a foreclosure and because of the increase in property value. I called Caliber Home Loans to get my PMI removed. I was told that I could not remove the PMI because the loan closed during a time frame that cause me to not be able to remove PMI for ANY reason. I tried to refinance the loan in order to remove the PMI. I was told I could refinance, they took my money for the appraisal fee, and then I was told I could not refinance due to my debt to income ratio. My loan to value ratio is now approx. 61.5 %. My debt level is higher due to medical bills. So now I am stuck with PMI and there is no reason I should be paying this monthly expense. I called yet again today and was told that the PMI will not fall off of my loan for any reason until XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-02-2017 about Credit reporting () with EQUIFAX, INC. ().
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have a Public Collection on my credit report that has been satisfied and closed years ago. I have disputed this several times, but the credit reporting agencies ( Equifax, XXXX, and XXXX ) but the will not remove it stating it is accurate. 

The Lien is incorrect, I have searched the Georgia Department of Revenue delinquent taxes and I am not on this list. Please attached screenshots. 

Any assistance would be much appreciated. 

Thank you! XXXX XXXX

Company response to consumer: Closed with explanation