milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/22/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (FL).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: UNDER THE CREDIT CARD XXXX, I WAS SENT A NEW CARD IN XXXX I NEVER USD IT TILL XXXX TO PURCHASE A WASHER A DRYER I WAS TOLD TO COME INTO THE STORE TO ORDER IT DUE TO THE COMPLEXITY OF THE ORDER I GAVE UP ALL MY INFOMRATIO INCLUDING SOCIAL SECURITY NUMBER AND EMAIL ADDRESS, SINCE THAT TIME, MY CARD HAS BEEN ATEMPTED ON FRAUDULENTLY FOR ONLINE PURCHASES, CASH WITHDRAWALS, REPEATEDLY ; I WAS IN XXXX WHEN THE FIRST TIME IT HAPPENED NOT EVEN XXXX WEEKS AFTER PURCHASING THE WASHER AND DRYER. tHE STORE XXXX PUT ALL MY INFORMATION ON A PIECE OF PAPER IN A BOOK THERE WAS A CASHIER THERE ALSO AT THE TIME, HE PUT THE BOOK UNDER THE REGISTER NOT LOCKED UP REALLY??? HAPPENED RIGHT ON MY BIRTHDAY, XXXX I REQUESTED A NEW CARD, IT HAPPENED AGAIN IN XXXX, AND AGAIN IN XXXX, AFTER RECEIVING THE NEW CARDS. I CONTACTED SYCRONYBANK, NOT MUCH HELP OR FAITH, SAID NO MONEY WAS EVER ACCESSED BECAUSE ALL ATTEMPT WERE DENIED SO THERE WAS NO FRAUD THE MOST RECENT ATTEMPT IN XXXX SHOWD SOMEONE TRYING FROM DELAWARE, VIRGINIA AND TEXAS STORES. I AM PRETTY SURE INSIDE THE XXXX FRAMEWORK, MY INFORMATION HAS BEEN COMPROMISED. I ENDED MY 30 YEAR RELATIONSHIP WITH XXXX AS A RESULT OF THIS, I STILL BELIEVE THE BANK IS FRAUDULENT AND THEY NEVER GAVE ME THE DETAILS OF THE ATTEMTPED USE AS I ASKED IN ANY OF THESE OCCASIONS. I REQUEST THIS BE INVESTIGATED I WILL BE POSTING THIS ON XXXX I REQUEST A WRITTEN RESPONSE IS REQUESTED FROM YOU,,, OH YES WHEN I WENT TO REPORT IT TO THE XXXX POLICE THEY DENIED MY COMPLAINT TO INVESTIGATE AFTER XXXX TOLD ME TO REPORT IT, STATING NOTHING WOULD BE FOUND OUT, REALLY WITH ALL TTHE CAMERAS, AND XXXX KNEW WHERE ALL THE STORES IN XXXX WERE ACCESSED AND WOULD NOT TELL ME ANYTHING AS I WAS GOING TO INVESTIGATE IT MYSELF. I AM SURE I AM NOT THE ONLY XXXX THIS HAS HAPPENED TOO

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 06/23/2017 about Mortgage (Conventional home mortgage) with PENNYMAC LOAN SERVICES, LLC. (NJ).
Issue: Trouble during payment process

Complaint: I received my XXXX 2017 mortgage statement and it stated i had missed my XXXX 2017 payment. i checked my online banking record and the payment was marked as paid on XXXX XXXX 2017. I called my mortgage company and i was told to send proof. I sent the copy of the on line banking check and a copy of my bank statement verifying the funds where paid out to the Penny Mac Mortgage company on XXXX XXXX 2017.. I received a call 3 days later and was told that there was no " stamp '' on the back of the cashed check that could prove that they deposited it in there XXXX XXXX XXXX account. I was told that i must pay or my credit would suffer. i asked if they could at least try to find the deposit into there XXXX XXXX XXXXXXXX account and i was told no. Now my credit is being marked derogatory and i must pay my mortgage payment again. I was just hoping someone could help me convince Penny Mac to start an investigation into where the payment was cashed to. Even though i gave them all the proof from my bank that it was cashed they said they could n't of received it because they would have had to have stamped the back as " for deposit to XXXX XXXX XXXXXXXX ''.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I was one of 150 million people who had their account, social security #, potential credit card information breached due to Equifax 's inadequate protection of that information and due to their greatly delayed informing of those effected.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TD BANK US HOLDING COMPANY (FL).
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 began disputing the TD Bank, NA account that is reflected on my credit report, in XX/XX/XXXX with XXXX Credit Bureau. In XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX advising them that this account did not belong to me. As the report ( see attached ) from XXXX themself reflects that this account has me listed as an authorized user. Hence, as an authorized user, I am not legally responsible for this account nor do I have to continue to allow it to report on my credit reports. I have requested numerous times that XXXX delete this entry from my credit report ; however, to no avail. They are blatantly violating my consumer rights. 

On XX/XX/XXXX, I contacted XXXX by telephone ( XXXX ) to once again attempt to have them remove this account from my credit report. I spoke with Agent XXXX who stated that I must contact TD Bank for them to submit an electronic submission advising them to delete the account. Upon receiving this information, I contacted TD Bank at XXXX ( listed on my credit report ) to discuss this matter them so that they would indeed delete this entry from my XXXX report. To my dismay, I was placed on hold in excess of 3 hours and transferred from one department to the next ; however, no one was able to address my concern nor direct me to the department or contact that would handle this. On today, XX/XX/XXXX, I again contacted TD Bank at the number listed on my credit report only to be on hold again for over an hour and no one to rectify this issue. 

I AM DEMANDING THAT THIS ACCOUNT BE DELETED FROM MY CREDIT REPORT IMMEDIATELY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/28/2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: Equifax has continued to report my credit incorrectly even after several attempts by myself to correct the information. Equifax is refusing to report my auto loan by XXXX. Equifax starts disputes on my accounts without me even asking. Equifax refuse to remove fraudulent inquires and put dispute comments on accounts that I never disputed

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On   XX/XX/XXXX  someone ide ntified as  XXXX   XXXX  of  XXXX   XXXX   XXXX   XXXX  (  XXXX , TX  XXXX  ) purchased some items on credit from  XXXX . On   XX/XX/XXXX , the same customer purchased an additional item. A single payment was made on  XX/XX/XXXX       In   XX/XX/XXXX   my  XXXX   cou sin began receiving past due notices and phone calls from  XXXX . She tried to explain that she has a similar ( but not identical ) name, a completely different address, does n't know the person who made the charges, and that she is n't responsible for the debt.     The debt has since been sold  to Portfolio Recovery Associates.      We have made repeated attempts to find out how this account was opened. We have sent documents showing my cousin has lived at the same address si nce  XX/XX/XXXX  and i t is not on  XXXX   XXXX   XXXX .      Portfolio Recovery Associates h as refused to supply any proof that this debt is my cousin 's and continues to call and send her notices. My cousin has   XXXX  and  XXXX   XXXX  , and is   XXXX   XXXX   by their refusal to prove anything regarding this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Account opening, closing, or management

Complaint: On XXXX XXXX, 2015 I in good faith opened up a Bank of America account and deposited a check from XXXX XXXX for {$1.00}, XXXX. I received a check from XXXX XXXX for damages to my refrigerator through a XXXX XXXX warranty account. Once I found out that the check was returned I notified XXXX and was told another check would be reissued in its place. 
I spoke to a Bank of America representative in customer service and explained the problem and was told that I would be given until XXXX 2015 to clear up the repayment. I am requesting that my name be removed from any negative reporting list. I have paid back the bank in full.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (VA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I DID NOT AUTHORIZE THIS INQUIRY

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (MD).
Issue: Other transaction issues

Complaint: I sold an item on Ebay and as a result the item was paid for using PayPal. Unfortunately they keep putting a hold on my funds and I sell these items to pay bills. I was on a probationary hold with Ebay for safety reasons of fraud, but I am the one who is at risk. It is not fair that now they have removed the hold and now PayPal puts one on. I had to pay almost {$75.00} to ship the phone to XXXX and that included insurance and return receipt. This is not right that they do this, when they are the 3rd party and they hold money when the merchandise leaves the seller. The money is the security as the item transfers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-10-2015 about Debt collection (I do not know) with Allied Interstate LLC (DC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Allied Interstate debt collectors has called my residence XXXX times since XXXX XXXX, 2015. At times, the calls are only minutes apart. Normally it is a machine, leaving a message : This communication is from Allied Interstate LLC, a collection agency that is attempting to collect a debt. Any information we obtain will be used for that purpose. " On the rare occasion that it is a person, they were told the debt does not belong to anyone at our number, please stop calling ( to no avail ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/15/2017 about Debt collection (Credit card debt) with CITIBANK, N.A. (MD).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: CREDIT CARD COMPANY : CITICARDS CBNA #  XXXX **** By  XXXX  2017, my credit score was   XXXX    and now it went down to  XXXX , it seems that the reason why, it 's because there is a delinquent account of   XXXX   that went into collection. No bills or statements were sent to me during all this time ; even thought, i have been a client for the past 7 years and they have my contact information ( address, email and phone number ) the only day they contacted me was to tell that my account went into collection. I have   XXXX   other credit cards with this bank and I have always been making payments on time, i never had issues with other credit cards associated to the bank. Now my job is getting affected by this issue because my job is dependable of my credit report, I also wanted to buy a new car and my credit does n't look good i can not get any offers, it 's causing me a lot of delay in my life.I would like to get this issue fix as soon as possible and i can continue living as any other honest citizen.
This issue started when Costco   XXXX   XXXX   switch to Citi bank. I downloaded my Credit Report and it shows that I was a " Satisfactory '' Client with "   XXXX   XXXX   '' cause I made my payments on time. I was never notified about the change or statements were mailed to me. At this point my balance with   XXXX   XXXX   was {$0.00}, and I never gave permissions to renew my membership with Costco ( it was done automatically ), in my 15 years or more of being a Costco member, when i did n't pay the membership it was cancelled, and the next time i had to pay for the membership at front, it was never done automatically until recently. I 'm still willing to talk about this with a representative who willing to help me and do not drive me to different directions. I already contacted the bank and no one is willing to help me with this issue.
Best,  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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CO).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Vehicle loan or lease (Loan) with TOYOTA MOTOR CREDIT CORPORATION (NY).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: On XX/XX/2017 I bought a BRAND NEW XXXX XXXX from XXXX of XXXX for {$36000.00}. The Bill of Sale said the truck was " New '' and had VIN # XXXX. 

I put 10 % down in cash and financed the remainder of this truck with Toyota Financial Services. 

However, XXXX of XXXX did not provide me the truck on my Bill of Sale. They actually provided with a used and defective truck -- with over $ XXXX in body work and a complete engine replacement -- with the VIN # XXXX. 

Over the course of the next 79 days XXXX of XXXX attempted to keep me in the dark all the while knowing that they had given me the wrong truck. Instead of trying to fix the problem by giving me the truck listed on my Bill of Sale, they attempted to do a " title swap '' which would have stuck me with the pre-owned and defective truck and not the truck I had purchased on paper. 

XXXX of XXXX went to great lengths to keep me in the dark about the fact that they had actually given me a used and defective truck ( see attached complaint ). Nearly three ( 3 ) months later I received the correct truck but neither XXXX of XXXX nor Toyota Financial Services has helped me correct the financial situation. 

Specifically, I should not be responsible for the car and insurance payments for the 79 days where I did not even possess the new truck as a result of their intent to defraud me. Additionally, the XXXX XXXX XXXX depreciated greatly over the course of those 79 days leading up to XXXX ( by {$6300.00} according to XXXX XXXX XXXX XXXX XXXX ) so the final purchase price would need to be adjusted for depreciation. 

A full and complete complaint, with exhibits, is attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/30/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: I contacted XXXX online as I do once a year to check as I 've had many false and out right lies applied to my credit reports due to ex-wife of 14yrs+. So on XXXX XXXX, 2015 I went online to check and XXXX XXXX in an electronic response told me to contact Trans Union about my information as It shows that according to TU " I 'm not Me. " Wow people who do n't know me or has every had a copy of my XXXX SS Card or my Government state issued license, or even met Me can tell all others that I 'm not me. I called after going thru the email TU contact, then by phone from XXXX XXXX 2015, TU cleared off the collection on my account then w/o my permission they put a 90 day Identity theft hold on my account then reported to XXXX the hold and had then put the hold onto those agencies too after I had it removed from XXXX again as TU keeps reporting this false claim and I video recorded the conversation per the XXXX here NV. This will clearly show that XXXX has refused my email, phone, and mail request to cease w/ their abuse of my personal information as I do not use or wish to have them have my personal information as for over XXXX TU has blocked those I do give my information to is thru an contract or business agreement just incase of legal issue. TU reps and mgr all XXXX Called back on XXXX XXXX, 2015 all were rude, and w/o merit to demand that I send them my personal XXXX XXXX XXXX XXXX XXXX XXXX in order for them to remove an alert that TU put on w/o my permission as they claim they have the right to. More than a dozen times in less than XXXX mins the XXXX also refused to even when he could see that back on XXXX XXXX, 2015 I contacted TU online and on the phone to have false debits removed then. I explained that how can I verify and have them removed less than 2wks ago and now you will not remove what you see I have emailed, mailed, and called to have cleared within the 24hr period. Instead TU continues to violate my request for them to cease and decease w/ all false reporting, false filings, false report, falsely adding fraud / identity alerts and errors as I have no creditors, bank accounts, mortgages, car payments, no retail accounts, no loans, and no kind of lenders or credit cards. I also requested not to be solicited by any companies or phone calls. TU has refused in all forms of contact to stop but TU refuses and continues to abuse my privacy, name, and ability to be able to put deposits down to use equipment, update lease/ rental agreements, and other activities which require verifying your ID thru SSN in stores and rental companies

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-02-2015 about Mortgage (Conventional fixed mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Rushmore Loan Management Services purchased my mortgage from XXXX XXXX, which typically should not impact me as a consumer, other than changing where and to whom I should send my money. However, that was not the case. Rushmore failed to acquire all the proper documentations from XXXX which would show that the property is insured, so they added a lender-placed insurance to my account resulting to an increased escrow, which increased my monthly payment from {$600.00} to {$1000.00}. I called Rushmore to advise them that I already have insurance through the homeowners association, provided them with name and phone number and advised Rushmore that I would send the regular payment of {$600.00} for XXXX 2015, which I did. Now Rushmore has labeled my account as delinquent for the difference. I 'm seeking protection as a consumer who should not be impacted by lenders practice of bouncing/selling mortgages to other lenders. Help!!

Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Real Time Resolutions, Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: A while ago someone opened a payday loan in my name. I have not opened any payday loan. I have tried contacting the credit bureau and I tried to contact the company, but they are not easy to get a hold of. It has been on my credit report and the company at one point told me over the phone they would remove it. It has not been done yet. 

Back when they say it was allegedly open we were under bankruptcy so we could not have take at a payday loan. the bankruptcy was Chapter XXXX and our lawyer told us we could not open a loan so we did not.

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2017 about Debt collection (Other debt) with Convergent Resources, Inc. (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: In XXXX XXXX 2014 I was living with my cousin at the time and she got some cable. I didnt know she used my information to get the cable. Now a collection agency is asking for money from me that I dont even owe. They told me to call all these numbers but every number I called sent me to someone else and I got the runaway. I want to know what I need to do to get this taken care of.

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 11/20/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (MO).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have so many with a lot of dates starting back from XX/XX/XXXX till XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PORTFOLIO RECOVERY ASSOCIATES INC (AZ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Portfolio Recovery Associates is reporting a debt on my SS # in the amount of {$720.00}. 
I do not, nor have I ever, had an account with Portfolio Recovery Associates. I want them deleted from all three credit bureaus. The company Portfolio Recovery has placed their information on my social security number and it's causing great harm to my credit report. 

On XX/XX/2017, I sent a letter certified mail formally requesting validation bearing my signature showing that I have some contractual obligation to them. A representative from their company signed for this correspondence of XX/XX/2017. I received a letter dated XX/XX/2017, stating that this account had been validated and they were enclosing documentation. They only sent me copies of some invoices from a different company. They did not provide me with a contract bearing my signature to either company. 

XX/XX/2017, I issued another certified letter that was picked up by a representative of theirs by the name XXXX  XXXX  on XX/XX/2017. This letter informed them that they failed to provide me with copies of viable evidence that I have a legally binding contract with them. I also let them know that I would be contacting the Consumer Financial Protection Bureau. 

I received a letter from XXXX XXXX XXXX XXXX dated XX/XX/2017, stating that they had reviewed my dispute and responded previously to the same dispute. They stated that no further replies would be forthcoming unless I provide them with new information. Their office considers this matter closed. They are willfully being noncompliant. 

I do not, nor have I ever had a binding contract with Portfolio Recovery Associates. This is damaging my credit and I demand them to remove this from my credit file. This is a violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) and a violation of the Fair Credit Reporting Act ( including but not limited to Section 623b ).

Company response to consumer: Closed with explanation