milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/15/2016 about Debt collection (Credit card) with ERC (OH).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I have a unverified account from Enhanced RecoveryXXXXXXXX I had previously disputed this account. I have never done business with Enhanced Recovery. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that Enhanced Recovery Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that Enhanced Recovery Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

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 10-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (KY).
Issue: Problem with fraud alerts or security freezes

Complaint: This is a general complaint about the process to place a credit freeze ( for both myself and my minor children ). 

I object to being required to provide the credit reporting agencies with more personal information about myself and my children than they already hold in order to obtain a freeze. 

I went through the process online and was told that I have to send additional information by mail, including my social security number and a government issued ID. This process is ( i ) not consumer friendly ( takes time, requires access to a photo copier/expense ), XXXX ii ) is not secure and ( iii ) requires me to share information with them that they do not already hold. As has been shown recently, these companies can not be trusted with our personal information. I object to having to provide more information about myself to obtain the freeze. 

The free phone number does not connect you to a person to put a freeze in place, it merely parrots the information available via the website. 

I urge the CFPB to require these companies ( i ) not to charge for this service ; and XXXX ii XXXX to make the process to obtain a credit freeze easier. 

I did not opt in to this system. It is imposed on consumers without their consent. I understand that releasing a freeze may reasonably require additional information to verify identity, however I provided ample personal information to request the credit freeze and was denied.

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 09-11-2016 about Consumer Loan (Installment loan) with BlueChip Financial (CA).
Issue: Taking out the loan or lease

Complaint: I have a loan with Spotloan.com for {$700.00} and I have already paid it back but they still want {$600.00} more.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2016 about Credit card () with SYNCHRONY FINANCIAL (OH).
Issue: Billing disputes

Complaint: XXXX/XXXX/XXXX To whom it may concern, I am writing this complaint in reference to my CareCredit/Synchrony Financial account. I opened this account initially as a CareCredit account, I believe in XXXX. 
I have a yearly {$1000.00} through my insurance for dental care, so the CareCredit was used for work above that amount. I have a {$2000.00} credit line on the card. In opening the account, it had 6 month same as cash payment terms. Which I believe as each charge that was put on the card the 6 months same as cash would apply to those terms. I have been faithfully paying the specified amount on this card since I opened it. I would use my insurance amount, and then I could only charge the amount available to the card, it never went above the {$2000.00}. Because the office would look up the available credit left on the card, then that is what was put on it additionally. The payment rose a little as each time I accrued money to the account for each time I had dental work or for use for my pets, which is fine. I understand that, but never went above the amount on the card. 
However, I had noticed about 6 months or so ago that CareCredit switched to Synchrony Financial. Since the changeover to Synchrony Financial, I noticed that the card said I had a negative balance, which I do n't understand, because as I said I paid faithfully every month, and it was never charged over the amount. My payments kept getting larger, however the balance does not change with each payment, and this has been going on for about 6 months. 
I contacted Synchrony Financial last week, and asked why my balance was n't going down. I was informed that the 6 month term had not been met, okay, I get that I may have messed up the 6 months same as cash term. I also found out that I am paying {$82.00} in interest on a {$2000.00} dollar card, with a payment of {$74.00}. And just checked and my payment again has been raised to {$76.00} this month. So ... .if the interest on the card is higher than the payment, there is no way I will ever pay this card off, how is that legal? Secondly, how can the interest be that high on a {$2000.00} card. This is utterly ridiculous!!!!!!!!! This card was supposed to be a meant to help someone, however, it has turned into a financial burden. 
XXXX XXXX offers the same kind of terms, however, if you miss the terms, the interest does NOT exceed the payment, it is added to the payment. I also have additional credit cards, and my interest does not exceed the payment, EVER!!! 
I am an honorable person, I pay my bills, however in the current state this credit card company has me in, I will never pay this off. It is as if I am just throwing my money away. Could you please assist me in finding a solution to this outrageous situation? 

Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2017 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Loan modification,collection,foreclosure

Complaint: We have been working with Bank Of America since XXXX XXXX, XXXX for a loan modification. We have had the loan for 10 years and have never missed a payment. We have responded timely to every request and we were notified upon calling them for status update on Wednesday, the XXXX, that the case was closed. There is a balloon payment of {$570000.00} due XXXX XXXX. We can not pay this, need your help. We have submitted EVERYTHING, via fax from the Bank of America branch with complete confirmation that it was delivered. We have worked for 4 months and trying to resolve this to NO end. Our loan office is XXXX XXXX, Phone number XXXX XXXX XXXX XXXX XXXX. Loan number XXXX XXXX XXXX Address of property : XXXX XXXX XXXX Fl XXXX Name on account XXXX XXXX XXXX, my wife , XXXX XXXX has power of attorney to discuss any matters relating to this loan. Our contact information is ph ( XXXX ) XXXX, email : XXXXXXXXXXXX

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 01/29/2018 about Debt collection (Credit card debt) with Bernhardt and Strawser, P.A. (NC).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I received a summons from Bernhardt and Strawser , P.A . delivered by XXXX county sheriff XXXX XXXXXXXX, notifying me that they represented XXXX XXXX. To the best of my knowledge, I had opened a credit card account with XXXX XXXX XXXX on XX/XX/XXXX. I closed this account on XX/XX/XXXX. Upon researching my credit report, I found an update on this account, which shows {$0.00} balance and the account ( s ) with XXXX in good standing. 
Bernhardt and Strawser , P.A . alleged that I owed them approximately {$4900.00} from a XXXX credit card. I never received any proof that I had an account with Bernhardt and Strawser as a consumer to repay a debt, nor any information of how they arrived at this number. Nevertheless, I contacted them several times to try and work out a settlement, which they agreed to a lower settlement. Then I eventually received a writ of execution by the same sheriff notifying me that I owed Bernhardt and Strawser , P.A . a total of {$6400.00}. They levied both my business and personal bank accounts and I had to fill out an exemption form for the court. After doing some research, it appears that Bernhardt and Strawser , P.A . may have illegally obtained my information and even if there were debt that was originally owed to XXXX XXXX, it has long since passed the statute of liability in the state of North Carolina.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2017 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/2014 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get 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 03/27/2017 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Equifax is still showing account balances for two accounts that I have paid in full, and are now closed. One with the XXXX and the other with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (PA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I got a Blue Cash card specifically because there was no APR or interest to be charged for 1 year. Every single month, my statement shows that there was an interest charged on purchases. Every single month, I contacted XXXX and notified them about the problem. Each time, every single month, I was told by the representative that the charge has been fixed and will appear as a credit, and that I will NOT have this issue again. Sure enough, soon after, I see a credit adjustment for the amount of the interest on my statement. However, each month, despite being told the issue will not happen again, every statement shows interest charged. I end up having to repeat the same call, for the same credit, and am told each time it will not happen again next month. But then it does. I'm suspicious that this is being done because XXXX XXXX is wagering that I won't pick up on this each month. Imagine how many people don't have the energy to call every month and correct each charge ... for these individuals, is XXXX XXXX simply taking interest that is not theirs to take? Respectfully, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (MA).
Issue: Loan servicing, payments, escrow account

Complaint: After completing a trial modification with Chase, we applied for a modification on our mortgage, got approved for a certain amount, then began receiving bills for a different amount. In calling Chase on several occasions, I was told to disregard the bills as they were incorrect and to disregard any other communication as it was all computer generated and my agreed upon amount was " internal ''. In working with XXXX XXXX XXXX, we decided to call Chase to find out what was going on and what is the status of our mortgage - what we owe. After a two hour conversation with several folks, on XXXX/XXXX/16, I was finally referred to the department that was handling my modification. My handler was unavailabe, and messages from Chase were left for him via email and in person. I have not heard anything from the handler of this mortgage, and have not heard anything from this person in months. Other handlers at Chase would call on a regular basis - to keep me/them, updated on my mortgage as if was processed thru several departments. I do not know where I stand on my mortgage. I have asked for help from Chase and have not received an answer. I do not know if I really got a modification at all. I asked if I did not get a modification, could I apply again and I was told " not for a year '', yet I have paperwork dated XX/XX/2016 that I was preapproved to apply. I also asked for a cut in my interest rate, which is high at XXXX %. I want to begin my mortgage payments and to have a modification, but I feel my case has been mishandled and I would like help. My husband and I are both XXXX, over XXXX, and work part of the year, and are on social security. I am not pleased with the current handling of my mortgage situation by Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2016 about Debt collection (I do not know) with Midwest Recovery Systems (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: they call and send letters for a {$720.00} balance on something that i have never had -????

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2015 about Payday loan () with BlueChip Financial (CO).
Issue: Charged fees or interest I didn't expect

Complaint: I took out a payday loan from spotloan for 700 $ on XXXX. I received the money deposited into my account. I didnt keep the contract but I am pretty sure it was {$230.00} for six month. On the XX/XX/XXXX I made a XXXX dollar payment which was withdrawn from my checking account. I called late XXXX and said I cant make the XXXX payment. They said OK. They would add money on to my next XXXX payments and the payments would be XXXX. I got a letter as follows, which shows they are ok with payment plan. 

Hi XXXX, I just want to remind you that your Spotloan payment of {$300.00} is scheduled for Thursday, XXXX XXXX 2015. Please let me know right away if you have any questions. 

Spotfully, XXXXRelationship ManagerXXXXXXXXXXXX ext. XXXXIf you have any questions about your account, please email us at XXXXXXXXXXXX or call us at XXXX. If you would like to write us, you may contact us at : SpotloanXXXXXXXX XXXX, IL XXXX Spot loan withdrew money from my account on XXXX and XXXX for {$300.00}. On XXXX i received a letter from spot loan as follows. 
Dear XXXX, We are writing to let you know that Spotloan is no longer operating in the state of Colorado. As a result, your account and payment history have been transferred to XXXX XXXX. You will continue with the payment schedule you agreed to when you accepted a Spotloan, but moving forward you will be making payments to XXXX XXXX. 

If you have questions now or in the future, please reach out to XXXX XXXX at ( XXXX ) XXXX. 

Thank you for being a Spotloan customer. 

Sincerely, Spotloan Help TeamSo in XXXX XXXX financial tried to withdraw XXXX or something close to that and the funds were not available. I made a payment on XXXX for XXXX and XXXX for XXXX to make up for the XXXX to XXXX XXXX. I have not made a payment for XXXX and do not feel that I owe any more money. I was not give the opportunity to pay the loan off early after XXXX and easily paid XXXX the amount of money. XXXX XXXX claims that I owe an XXXX, XXXX and XXXX payment. I did contact both XXXX XXXX and spotloan which got me nowhere and was hung up on.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I can not access my credit report because it is confusing me with my twin brother. transunion, XXXX, and XXXX have not helped me at all.

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 06/29/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (LA).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: I was looking at my credit report as i am looking to purchasing a home, and there is a charged off account from  Cap One in th e amount of {$2200.00} that was opened in my name  XXXX / XXXX / XXXX  via phone/internet. It had a bill that was last charged  XXXX / XXXX / XXXX  and a last payment received on  XXXX / XXXX / XXXX . I am aware of none of this. I have tried repeated through mail and phone to correct this. I have asked for any verifiable proof bearing my signature. I keep getting a copy of a bill with purchases i never made and payments i never sent, but nothing containing a signature that can help me find out who opened the account and nothing that proves the account is mine. Meanwhile, the account is sitting on my credit report, inaccurately, ruining my credit and preventing me from purchasing the house i want. All i have asked is that it be removed from my credit report until there is some proof bearing my signature that I ever applied for or used this card. I am being unjustly accused of defaulting on a loan i never even applied for. This is defamation of character, Negligent Enablement of Identity Fraud, Violation of the Fair Debt Collection Practices Act ( including but not limited to Sectio n 807-8 ), Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ).

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. (OR).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint: Equifax recently suffered a massive data breach and did nothing to personally notify it 's potential victims. I only found out about the incident after I saw a news article about it. Equifax 's solution is to offer a single year of free credit monitoring, but if you sign up for it, you lose your right to a class action lawsuit against the company.
I was affected by this breach and I am extremely displeased at how they are managing this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: No matter what, when I requested forbearance or when I was enrolled and requested it be deferred, they would tell me it was done, yet I would get collection calls and notices a month later and my credit score suffered severely. Its getting to the point where finishing school is dangerous to my future.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have tried numerous times to get XXXX XXXX XXXX XXXX ( XXXX ) XXXX Headquarters XXXX XXXX XXXX XXXX, CA XXXX and the credit bureaus to correct my credit report with no success. My debt with XXXX was discharged in Ch XXXX bankruptcy on XXXX XXXX, 2017, yet XXXX is still showing me past due. They did not report me correctly during ( post-petition and pre-discharge ) or after my discharge. I have evidence to backup my claims. My credit was pulled by a creditor yesterday, and they gave me a copy of the report from XXXX showing that the XXXX XXXX and XXXX are still showing me with a " code 7 '' which says to the dealer I am past due on this debt. This is affecting the interest rate that I am able to get. Funny thing is, the report that XXXX shows to me, the consumer, looks right. But there is a " behind the scenes '' reporting that goes on that creditors see that consumers are not allowed to see that is not correct and I was fortunate enough to get this copy from the dealer. This willful refusal to correct my record post-discharge is robbing me of a fresh start and preventing me from getting a fair interest rate. The dealer is telling me that I am showing late with XXXX but all my other discharged debts are reporting correctly on their report. I have disputed this XXXX debt several times with each of the 3 credit bureaus and have contacted XXXX 's credit reporting dept. directly and was assured it would be fixed by XXXX months ago. I am asserting and claiming that they are involved in corrupt and deceptive reporting practices when my report shows something different than what the creditors actually see, and that this action is " willful '' disregard for the laws. To deceive me into thinking my record is correct by falsely reporting to me one thing, and then keeping the database of information inaccurate for what is shown to creditors that pull my credit, is deceptive and fraudulent. Thank goodness I had a creditor who was willing to give me a copy. I have attached a claims register showing XXXX was included in my bankruptcy, the discharge notice and the credit report from the creditor, showing a code 7 which means I am past due.

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