milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/17/2016 about Debt collection (Payday loan) with Ad Astra Recovery Services Inc (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: We 're not able to agree on the amount owed. I do owe them money just not the amount they 're claiming.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2017 about Debt collection (Other debt) with Commonwealth Financial Systems, Inc. (NV).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Unknown and several times I have disputed with nothing received. No such debt is owed, please help

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2016 about Credit card () with SYNCHRONY FINANCIAL (GA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I came home last week to find a Synchrony Bank Credit card issues to me for Amazon Prime. I opened the card it had a sticker on no activation requers and it had a XXXX credit line. I never applied or file out an application for this card. Whjne I called Synchrony Bank it said that this card already had a Balance of {$980.00}. I called to find out what happened they informed me that the Sunday XXXX/XXXX/2016 that someone called in and an sked to use the cards to make purchases and they bought XXXX on am, Amazon prime an d had the items shipped to XXXX XXXX XXXX XXXX GA XXXX. I explained that I did n't order these items and i dont know who lives at that address. I called the police they filed an identity theft report case number is XXXX her in macron XXXX XXXX of XXXX ..The person who uses that address is a career criminal with a laundry list of charges outstanding against him have a real problem when I called Synchrony Bank they did n't question the second card since I already had a card issued to me from HHGRegg that was is in good standing they advised me they did n't question the second card being open. They also informed me it was standard practice by Amazon.com to let them give the custom, er the ability to charge on Amazon prior to receiving the card and that they ship the cards already activated no need to activate. I have a real problem with this. Not only have they allowed my identy to be compromised and my personal info to be stolen

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 10/14/2016 about Student loan (Federal student loan servicing) with NELNET, INC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I was not offered an income based program while I was going through financial hardship and was falsely made to believe that the 3rd party enrollment agency I was going through to get me into the income based program properly was a scam. Nelnet caused me to place fraud reports on a legitimate company and tarnish their record while holding me to a payment I could not make having it adversely effect my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
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 am having a difficulty in having a bankruptcy removed from my Experian Credit Bureau Credit Report. 
They are indicating that the information on the report has been Verified. On the report it indicates that the report was furnished by the District Court. 
None of this information is accurate because the Court has indicated to me through a letter that they do not furnish information to any Credit Bureaus. 
What I know is that the credit bureau gets its information from a third party, XXXX which sells the information to them. XXXX being a " for profit '' company. 
Therefore, the information which Experian is reporting is not accurate as well as false information. This is a clear violation of the Fair Credit Reporting Act. 
I have sent multiple letters, on XX/XX/XXXX and on XX/XX/XXXX The company continues to maintain their position that the report has been Verified.

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 02/20/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Billing disputes

Complaint: fia told me they would write off my balances but continue to send me a bill they treated me like garbage closing my accopunts which should not even be legal and i hope is not before i die one day. i do not understand why i am getting bills from them still when all was told to me would be written off. please explain i truly want nothing to do with them there has been no follow through. i keep getting statements and no answers tired of waiting and getting fees which i will not pay

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 07-07-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have XXXX XXXX accts that have been sold to a third party collection agency. Negatvies being reported by XXXX AND the new company ( XXXX XXXX ). so, instead of XXXX delinquent entry, all credit reports reflect XXXX delinquent entries. I feel this is a double jeopardy scenario. I do not feel that any of the XXXX major credit reporting bureaus have done anything to help me. they have attempted to pacify me with phone calls and offers of reduced rate credit monitoring services. they have done nothing to actually resolve my dispute up to and including investigation into my issue.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2016 about Debt collection (Credit card) with CITIBANK, N.A. (NC).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: Department Stores National Bank has violated the North Carolina Debt Collection Act 75-50 to 75-56. Harassment. ( 3 ) Causing a telephone to ring or engaging any person in telephone conversation with such frequency as to be unreasonable or to constitute a harassment to the person. 

Department Stores National Bank has violated the Telephone Consumer Protection Act ( 47 U.S.C. 227 ) by its actions of calling consumer 's cellular base telephone number using automatic telephone dialing system and artificial or prerecorded voice ; 47 U.S.C. 227 ( b ) ( 1 ) ( A ) ( iii ).

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 08-11-2017 about Debt collection (Other debt) with Solomon and Solomon, P.C. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Solomon & Solomon PC stated in their response to a complaint that I submitted in XXXX 2017 that they were coding my complaint for a delete with the credit bureau 's. This account is still present as paid on my credit reports but as Solomon & Solomon PC stated I want the account deleted and I would like Solomon & Solomon to contact all 3 credit bureau 's to have account deleted. Below is Solomon & Solomon 's response from XXXX/2017. Company responded Status Company responded Closed with non-monetary relief on 2017XXXXXXResponse TypeClosed with non-monetary relief Company 's  response The firm shows the account under XXXX XXXX at a XXXX address with a matching number. The utility account is paid. Due to the change of address to XXXX we have coded a delete. The firm shows the account under XXXX XXXX at a XXXX address with a matching number. The utility account is paid. Due to the change of address to XXXX we have coded a delete. The firm shows the account under XXXX XXXX at a XXXX address with a matching number. The utility account is paid. Due to the change of address to XXXX  we have coded a delete.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2017 about Debt collection (Non-federal student loan) with AES/PHEAA (NE).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The past 11 years have been filled with attempts by me to make the American Education Services aware they have a loan on file with my name and information attached that I did not sign for or agree to. I have spent 100s of hours on the phone, written letters, filed a fraud packet and still continue to have my credit with only XXXX negative mark on my report and that is AES. The was originally through XXXX. I believe they took my information from a loan application, changed the terms on the promissory note and pushed it through. I believe they then sold the loan to collect on it and AES is servicing the loan for National Collegiate Trust. I have been patient but I can no longer take the harassing phone calls, emails, letters and reports they continue to pump out in an attempt to extort money from me. I have done everything possible to make them aware of the fraudulent activity on the loan but they refuse reasonable actions. I have filed complaints with the office of the governor for the states of XXXX and XXXX. I have also contacted the AG in each state and at the federal level. I am a XXXX with limited income so hiring a lawyer is not possible. I have paid every debt I 've been attached to without fail. I have worked extremely hard to keep my file clean. I will not give in to extortion under any terms. Can you please assist in correcting this matter. I do hope you will take this statement seriously and assist in an earnest fashion. I have XXXX and XXXX so I am not ignorant about the way things work. I also grew up in XXXX and I know a scam when I see one. XXXX XXXX XXXX should be investigated for the way they handled student loans the same way they did with mortagages. AES should be investigated for ignoring client attempts to resolve the matter. National Collegiate Trust should be investigated for hiding behind AES and refusing to accept the claims of fraud I have pushed through on the loan and for failing to proved contact information as a loan owner. I have tried to locate NCT but can not find who they are or how they can be reached. PHEAA should be looked in to for ignoring complaints on a reagular basis and showing favoritism to lenders over citizens. I am extremely disappointed over the way all parties involve can push lillegal activity and never be held accountable. Their policies are in place to gain the greatest amount of money and hold attached parties in a slavery position with no remorse. All the documentation you need is in the files of AES. XXXX. NCT and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2017 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Struggling to pay mortgage

Complaint: On  XXXX / XXXX /  XXXX  , I submitted complaint #  XXXX , On  XXXX / XXXX /  XXXX   Bank of America gave the appearance of responding and closed the complaint ; however, Bank of America did n't take the complaint seriously and in Bank of America 's response to us they provided old copies of their Attorney 's    XXXX   XXXX   XXXX   XXXX     response to old complaints which never answered questions in previous complaints AND DEFINITLY DID N'T ANSWER THE QUESTIONS IN THIS COMPLAINT. When I called Bank of America and asked them why they did n't take OUR complaint seriously BANK OF AMERICA CUSTOMER SERVICE REPRESENTATIVE INDICATED IT WAS USELESS FOR US TO SUBMIT COMPLAINTS TO THE CONSUMER FINANCIAL PROTECTION BUREAU BECAUSE THE CONSUMER FINANCIAL PROTECTION BUREAU IS SHUTTING DOWN AND WE WERE WASTING OUR TIME. THE BANK OF AMERICA CUSTOMER SERVICE REPRESENTATIVE ALSO INDICATED THAT MY  XXXX  MUST CAUSE ME TO BE SLOW TO UNDERSTAND THINGS BECAUSE I WAS N'T GETTING THAT THE CONSUMER FINANCIAL PROTECTION BUREAU IS SHUTTING DOWN. THE BANK OF AMERICA CUSTOMER SERVICE REPRESENTATIVE INDICATED BANK OF AMERICA WAS N'T GOING TO ANSWER ANY COMPLAINTS SUBMITTED THROUGH THE CONSUMER FINANCIAL PROTECTION BUREAU BECAUSE THE CONSUMER FINANCIAL PROTECTION BUREAU IS SHUTTING DOWN. THEREFORE, ALTHOUGH I MAY BE SLOW I AM FILING MY COMPLAINT AGAIN BECAUSE BANK OF AMERICA NEVER GAVE ME A ANSWER BECAUSE AS BANK OF AMERICA INDICATED THE CONSUMER FINANCIAL PROTECTION BUREAU IS SHUTTING DOWN AND THEY DIDNT HAVE TO ANSWER MY COMPLAINT. ALTHOUGH AS BANK OF AMERICA INDICATED THE CONSUMER FINANCIAL PROTECTION BUREAU IS SHUTTING DOWN THEY ARE N'T SHUT DOWN YET AND SO THIS SLOW PERSON IS GOING TO REFILING OUR COMPLAINTS UNTIL I GET A RESPONSE TO MY COMPLAINT.       Bank of America has violated Bankruptcy  Law  and state and federal laws by trying to foreclose on our home while in bankruptcy with fraudulent documents. Master Servicer Bank of America developed a scheme and transferred loan to  XXXX   XXXX   XXXX  to cover up Bankruptcy Law violations.

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 10-03-2015 about Credit card () with JPMORGAN CHASE & CO. (IN).
Issue: Credit line increase/decrease

Complaint: First it should be known that I 've never been late on a car payment, credit card, mortgage or any other bill in my entire life. Chase Bank conducted a surreptitious and unsolicited review of my credit without my permission subsequently reducing Credit lines on several of my Chase credit cards so the ratio of debt to available credit skyrocketed. As a result of this action by Chase bank my credit score plummeted, other banks followed with similar action reducing credit lines and I consider this to be defamation of credit. This is a terrible injustice to me as a consumer and as an American who takes pride in never having been late or behind on any of his bills. I feel this action was taken to try to recover some of the monies paid in fines by Chase to the federal government for other unfair business practices in their organization. I feel I have been unfairly targeted.

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2015 about Debt collection (Credit card) with Second Round Limited Partnership (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XXXX XXXX, 2015 my legal representative sent documents trying to verify the debt Second Round LP is trying to collect from me and also verify that they are legally allowed to collect in the state of florida. Their response has proven they can not verify the debt, are just trying to collect a made up amount of money from me and are not legally allowed to collect in the state of florida. This debt is also 8 years old and they are still reporting to the credit bureaus and have now ruined my chance of purchasing a house for the next year which means I 'll have to rent again and waste thousands of dollars I ca n't afford to lose.

Company response to consumer: Closed
Consumer complaint received 11-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I recently ordered my credit report from XXXX and noticed that there were a few inquiries that I did n't recognize or authorize : XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX, these are the inquiries that are unauthorized and unrecognizable. I called and spoke to a representative and he stated that there was nothing that he could do to help me. I put an fraud alert on my credit report for XXXX and XXXX for reasons like this.

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 05/29/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I have tried SEVERAL Times, UNSUCCESSFULLY, to receive my FREE Credit Report from TransUnion! I have tried EVERY Avenue : Online, which resulted in me having to send in copies of Bill, ID, XXXX, as well as being directed to call and told in 2-3 weeks, it will be mailed. However, I have NEVER Received any copies of my report from them, even though I have complied with the necessary requests. I have received copies of my XXXX and XXXXn reports, but nothing from TransUnion. It is Pertinent that I get this report, especially since it is my right to XXXX annually. Furthermore, it has been more than TWO Years since I last received XXXX from TransUnion. I do n't know what else to do nor whom to speak to, as getting a " Live Person '' is a joke. 

This means appears to be my only option at this point. 

Thank you kindly

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-07-2016 about Debt collection (I do not know) with SQUARETWO FINANCIAL CORPORATION (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was contacted in regards to a debt that is not mine. I have written several letters and after further review of the FTC guidelines decided to go through the proper channels and have an FTC Affidavit notarized. I sent it certified but this company keeps calling me at work and home. Please help me get this resolved. 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 monetary relief
Consumer complaint received 12-01-2016 about Credit card () with AMERICAN EXPRESS COMPANY (FL).
Issue: Billing disputes

Complaint: On XXXX/XXXX/16, a sales rep from American Express came into my store and presented me with an offer of a credit card. Since my business very much depends on the XXXX season, I told him that the only card that would work for me would be one I could pay out monthly. He assured me that the card I would get would be what I needed. I got the card and proceeded to spend {$10000.00} on merchandise for my store. When the bill came, I noticed that the total amount was due, with no option for a minimum payment. I called the rep and he said, " Just call them and they will fix it, they do it all the time ''. So I did. Unfortunately, they did not fix it and told me they could not fix it or transfer my balance to a card that would be better suited for my business ; that a monthly payment was not an option for the card I had and too bad for me. Amex would not let me make payments online or with a check ; they insisted I give them my checking account number so they could take the money directly out of my account. I was uncomfortable with this, but felt I had no option if I did n't want to be reported to the credit bureaus. I called 3 or 4 times, but not until I mentioned your agency would they consider not taking {$2500.00} every Friday from my account ( which I did not have ). At that point, I spoke with a supervisor and she put my account on hold until XXXX, at which time I will have to pay close to {$5000.00} more ( I have already paid {$6000.00} ). I was lied to by the sales rep, even though he knew I would not be able to pay the bill until XXXX. I have not been able to pay my XXXX rent because of this deception and my landlord wants his money, too. I am afraid that if my XXXX sales are not what I expect, I will be evicted from the XXXX. I would never have gotten the Amex card had I known the stress it would cause.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/22/2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I submitted a dispute to both Equifax and XXXX online after receiving notification of an inaccurate collection via the XXXX credit monitoring service I subscribe to. After carefully following the online process and uploading HSA statements showing payment to the healthcare provider that the third party collection agency was purporting to represent, XXXX informed me that they were not able to handle my case via the online service, that that I would have to send in my dispute via post. Equifax appear to accept my online dispute. However, upon using their " check status '' functionality to confirm that my online dispute was being processed, I received a screen in forming me that " The information [ I ] provided does not match [ Equifax 's ] records so [ they ] are unable to process your request online. '' I receive the same message when I try to resubmit my online dispute. 

I feel that the credit bureaus -- Equifax and XXXX -- are making it unduly hard for me to challenge inaccurate reporting by the collection agency. I pay for credit monitoring to help make it easier for me to monitor and protect my credit rating. However, it seems as if XXXX and Equifax want to obstruct or discourage consumers from submitting disputes that they would then need to research, in the hopes that they will get frustrated and give up. This practice is not fair. It should not be more expedient for third-party collection agencies and creditors to post inaccurate information to my credit report that has real and damaging impact on my personal finances, than it is for me as a consumer to challenge inaccurate or dubious reporting. The fact that they both waited until after I filled out the online forms and uploaded my supporting documentation before informing me that I would not be able to submit an online dispute is especially frustrating. What criteria are XXXX and Equifax using to determine who is eligible to submit online disputes, and who is not? Should n't all consumers have the right to dispute inaccurate information on their credit reports through a means that does not unduly burden them? Should that means be the same for all consumers?

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (ID).
Issue: Deposits and withdrawals

Complaint: From time to time, I try to cash a check from Wells Fargo and every time I need to show XXXX IDs, talk to an agent, listen to his solicitation speech ( " open an account '', " joint your husband 's accounts '', or both! ) and then I am allowed to cash the check. It is a waste of my time and I find it very intrusive. The check amounts are below {$500.00}, so it is not a safety issue, it is a solicitation hassle. This is the proof : I had to go today to the branch because yesterday, in the drive thru, they did not want to cash me the check. I offered the XXXX IDs but they still told me I had to stop by the next morning to talk to the agent! I have to always answer if I have an account with them and if not, if I am want to open one. I do n't want anything but cash my check in a simple, speedy transaction!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation