milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Continental Finance Company, LLC (IN).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I made a payment on XXXX of {$320.00}. There was already a post dated payment for XXXX that was scheduled on XXXX XXXX via the phone. My total credit that the account holds is only {$500.00}. After making the payment of {$320.00} the other payment processed the next day and later was returned. Then my credit card account went into revoke status on XXXX and closed status. I received a letter stating my account status. I immediately called to fix the problem and the representative told me that it will be taking care of and removed from that status. I then assumed it was done by the time I had made my next payment. I made another payment of {$100.00} on XXXX. I then spoke with the credit card company again on XXXX because I reviewed my statement for XXXX and it showed that I have no available credit, but I already had paid XXXX + {$100.00} and my account reflected an available credit via online. The representative told me on the call that my account is in revoke status, but note I already called between the dates of XXXX to address this situation after I received the letter and the representative told me it would be taken care of, whatever that meant. Now that my account is fixed, which it could have been done when I called between XXXX, the manager stated that my account already have been reported to the credit bureaus as it has been closed on XXXX. But due to the lack of training the representative I spoke with between XXXX my account is being reported in error because of that reason. On XXXX me and the manager fixed my account.

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 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Problem with fraud alerts or security freezes

Complaint: As a result of Equifax 's data breach, I attempted to place credit freezes on my credit data at Equifax, XXXX and XXXX. I was only partially successful with XXXX. They reported that I already had a freeze in place. XXXX XXXX process died with a system error. Equifax 's process returned a blank pin number. Apparently the last XXXX companies have poorly designed system which can not be relied upon.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2016 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: There are apparently houses and cars purchased on my credit report which I own neither of.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2015 about Mortgage (FHA mortgage) with Shellpoint Partners, LLC (KS).
Issue: Loan modification,collection,foreclosure

Complaint: I have struggled throughout the entire life of my mortgage. I borrowed from XXXX, and other investments to help with moving costs, and other home owner expenses through out the years for this mortgage that I qualified for somehow. I bought the house in XX/XX/XXXX/XX/XX/XXXX timeframe. I got XXXX XXXX in XX/XX/XXXX, thankfully no signs of it returning and grateful for that. Had to work a lot of overtime after company reorgs and downsizing after the financial meltdown economic disaster. I had to use XXXX in XXXX and XXXX for XXXX XXXX issues. Got fired in XXXX XXXX and just started fulltime employment 3 months ago which is good and I am very thankful for. But it took a while to find a job so I had to apply for state aid after unemployment ran out, I move out of the house. My kids moved to their dads. My mortgage originated with XXXX ( FHA XXXX ), then, XXXX XXXX XXXX, and after that XXXX, XXXX, possible others ( XXXX XXXX ), have had it. For over a year now, I have been in constant struggle to avoid foreclosure with the XXXX Co. I 've had offers on the house because it has been listed almost a year now, but have hard time reaching them, or I need to refill forms out, etc. Another financial hardship I 'm working on is my taxes. I 'm in the process of paying tax attorney company to represent me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Stellar Recovery, Inc. (MN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I cancelled my service with XXXX and paid by bill in full. They then switched names to XXXX, with whom I currently have service and have an impeccable payment record with. This bill continues to be sent to numerous collection agencies after I have already verified with XXXX that I do not owe them money and they have no record of the account number the collection agencies are giving me. The collection agency can not and will not verify the debt or provide any documentation that I owe this debt even after I told them that I verified it is not a valid debt and not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (OR).
Issue: Problems caused by my funds being low

Complaint: The company charges an overdraft fee then waits for you direct deposit to post before it pays the merchant. i borrowed money from a lender and once payed back you can borrow XXXX days later. The company " payed '' the lender my account went negative as a result they charged me the insufficient fund fee but XXXX days later i was n't able to borrow again. i had to wait XXXX days after my payroll deposited. They essentially claimed they paid, charged a fee but waited until my direct deposit posted until they payed the merchant,

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 08/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CORELOGIC INC (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Credco, XXXX and XXXX XXXX, these agencies placed inquiries on my credit report more than once within less than 30 days, once a credit report is pulled once the company should not have to pull it again within 30 days. I only authorized this agency to do it once and again once the credit report report expires which was in 90 days.

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 06/22/2015 about Payday loan () with MNE Services, Inc (MN).
Issue: Charged fees or interest I didn't expect

Complaint: Company called XXXX. Hi my name is XXXX XXXX. I received a letter saying i was approved for XXXX loan. So i call them and talking to them. They said i am approved for the loan but due to my credit they said i have to come up with {$320.00}. to give them first. So that what i did. They told me to XXXX store and purchess a mycash XXXX card and put money in there. So that what I did. Now they saying they could not put money in the my account it has to send thru XXXX XXXX for me to recieve. I said ok. They the money is sent but there other fee. I have pay {$420.00}. for fee for them to sent it thru XXXX XXXX. That wat i did. Now they saying there other fee. {$340.00} for the tracking number they gave me was only good in XXXX..To unlock the tracking for XXXX. Again the wat i did. Then they saying I to have pay other fee due to my credit have to pay soical sercurty for me to able to receive the money. I 'm very honest person and nice. I do n't know wat to do I am scared now. All these fee I never heard of and I really did believe them. Please help. Pleaqs

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with McCarthy, Burgess & Wolff, Inc. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX referred an alleged debt to a collection agency and the debt was not discharged in their favor. The have subsequently sold the same account to XXXX other collection agencies. 

I am being harassed by these companies for a debt that has been settled.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2016 about Credit reporting () with Experian Information Solutions Inc. (OR).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: I have repreatedly tried to temporarily lift a security freeze on my Experian credit report online. Each time Experian refuses to permit this being done online since I have been placed in " Special Handling '' as retribution due to previous CFPB complaints. 

I enter my data precisely as listed in a recent Experian report, I enter the correct PIN previously provided by Experian ( which I have used before successfully prior to being placed in Special Handling ) as well as entered valid payment details, each time Experian refuses the request. 

Writing in to temporarily lift a security freeze is a major inconvenience as it prevents knowing precisely when the report is unfrozen and I can apply for credit. Since written requests are subject to mail delays and processing delays, it 's impossible to know exactly when the freeze is lifted and to then accurately calculate when it will again be re-frozen. 

Experian should not be allowed to take retribution against consumers who have filed CFPB complaints about them.

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 03/29/2017 about Credit card () with SYNCHRONY FINANCIAL (OK).
Issue: Identity theft / Fraud / Embezzlement

Complaint: On XXXX I booked a hotel stay through XXXX with my Synchrony Gap credit card for a XXXX trip scheduled XXXX in the amount of {$650.00}. My husband called and confirmed the trip with the hotel and the confirmation number that was given to us was not only bogus but it was not even the correct amount of Characters. We then did research on the XXXX Company and there was complaint after complaint of the website and company being a scam. We then did further research and found out the Hotel had been closed since XXXX and would not reopen until early to mid-XXXX. Our trip was scheduled for XXXX thus it was clear we had been scammed. I then contacted Synchrony band Gap credit card and filed a dispute before the trip took place in addition to faxed them the evidence of the Freud/scam that had taken place so they could confirm the scam and received a credit back to my credit card on XXXX. Weeks later they took the money back out of our credit card account and sent me MY evidence that I had faxed them and they stated they did an investigation and this was the evidence they found and said that we would still be responsible for the {$650.00}. The evidence had my hand writing on it, so clearly they did not " find '' this evidence in their " investigation ''. I then called Synchrony Bank Gap credit card again and would get all the way to the dispute department at which point we would verify our account and then be told " the system is having issues '' then put on hold, only to be hung up on minutes later. This happened a total of FOUR times and has totaled the amount of 2.5 Hours of phone duration time. On my fourth time I asked the beginning customer service specialist to see what she thinks of the notes before transferring and she had her supervisor assist her and they found that the bank had already been reimbursed by XXXX charges and did not understand why Synchrony was trying to charge us again. Once she transferred me to disputes department I was then put on hold and hung up on AGAIN. I need assistance with Consumer protection. I understand we were victims of a scam but the bank is refusing to help us with this consumer Freud issue. I looked up this bank and there were XXXX complaints with the better business bureau with similar situations. We pay our accounts in full and on time EVERY month. I do not understand why they are choosing to treat good customers in a dishonest and illegal 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 monetary relief
Consumer complaint received 08/14/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit Protection Association, L.P. (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I received a notice due to a negative item on my credit report. I also recieved a bill from a debt-collecting agency ( CPA ) that stated I owed a bill for the amount of {$1500.00}. This was from XXXX which stated that I opened an account on XXXX XXXX in XXXX in 2014 at which I did not live. When I contacted XXXX they stated several times that my information had been purged out of the system but that the account had been opened with a passport by a woman. This was evidently not me or my account. No contact information for any managers or any persons that could address the situation was given by any of the employees at XXXX. The only way to get through is to call the automated system and explain your way through a new person every time. After being told I would be called back and not receiving any calls I have become very frustrated especially when I have found this on my credit report. Also in order to clear the matter I was told I needed a police report. The police officer told me I needed an affidavit from XXXX in order to file the report but I can not obtain that from XXXX nor can I contact anyone from the company to help me.

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 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My information was compromised because of an equifax security breach. I had previously contacted experian, as soon as I saw an unauthorized inquiry on my credit report to investigate this right away, most recently XX/XX/XXXX. I was told that a pull on my credit file is factual and true. On today, XX/XX/XXXXI was told the same thing from Experian, after XXXX confirmed that my  information was stolen. Someone has clearly been trying to use my information to open accounts. Experian is not being helpful at all with investigating the fraudulent information on my credit file. I do have rights as a consumer and Experian has violated the FCRA. I was transferred to a supervisor, she did nothing for me. She just repeated the same script about inquiries being factual. I know that my information has been affected by a breach now. I am certain these inquiries are fraudulent.

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 02-07-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I filed out an application for an balance transfer through Chase Slate credit card to assist with debt with XXXX XXXX. The card came and was approved for {$1800.00}, after doing some more research and speaking with another debt assistant programs I determined the balance transfer would no longer be a fit. I called Chase Slate XX/XX/18, and they refused to cancel. Chase Slate claim the electronic transfer was in " process '' and it was no way to cancel and they blamed XXXX XXXX stating once the transfer goes through it would be XXXX XXXX responsibility to cancel. I then contacted XXXX  XXXX who of course were adamant that Chase Slate is responsibility, I called back Chase Slate with XXXX XXXX on the phone who argued against Chase Slate claims and ask to speak with an supervisor they stated all the could do is put on record I want to cancel but they could not do anything else.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2015 about Debt collection (I do not know) with Alorica Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: West Asset Management contacted me today via phone, a XXXX XXXX proceeded to read to me my personal information and wanted me to verify it without explaining why she was calling, who she was calling about etc. I called them back to ascertain the reason for calling and was sent back to XXXX XXXX XXXX. She started the process again ; I said I will not give you any of my personal information without you telling me why you are calling. She said I can not do that until I have your information, i.e. my personal information. Phishing is an illegal activity, and not one I will be party too.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2017 about Payday loan, title loan, or personal loan (Personal line of credit) with CITIBANK, N.A. (FL).
Issue: Charged fees or interest you didn't expect

Complaint: XX/XX/XXXX     Ref : Account  XXXX  To whom i t may concern , This letter is to file a formal complaint against Citibank. Let me start by saying that when I first opened this account 2 years ago I was never explained how the line of credit would worked, which caused an issue for me as I began to accrue charges on my account. Sometime around   XX/XX/XXXX  I called customer service and inquiry about the balances showin g on my bank statement. This customer service Representative assure me that I did not owe any money that the balances on the statement was the money that I have. Today when I received my bank statement I called the customer service and find out that in fact I had a {$1100.00} balance on this credit line which I have been charged interested since  XX/XX/XXXX , as well as {$10.00} transfer fee for each transaction. I had money on my savings account and I asked why the money was not taken out of the saving account to cover these fees instead of continuing to charge me interest for almost a year. I do not believe the charges are fair. I hope that this could be investigate and resolved. I paid all of the balance so that I do not have to pa y 16 %   interest anymore.     Sincerely,  XXXX   XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 10-12-2015 about Mortgage (Home equity loan or line of credit) with Specialized Loan Servicing LLC (KY).
Issue: Loan servicing, payments, escrow account

Complaint: My wife and I filed and received a chapter XXXX bankruptcy in XXXX XXXX. We continued to pay Specialized Loan Servicing outside of the bankruptcy, however they refused to send monthly statements and they removed my ability to see my account on-line. In XXXX XXXX, we apparently failed to make the monthly payment, a complete oversight on our behalf. SLS then began showing that we were 30 days late, we were completely unaware, and they continued this until the discharge of the bankruptcy. They also, during this entire time, reported to the credit bureaus that we were paying on time, again making us believe everything was OK. Then suddenly when the discharge took place in XXXX XXXX, they updated all the credit bureaus to reflect that we had been 30 days late every month XXXX 48 months XXXX. We should have been shown 30 days late XXXX time in XXXX of XXXX ... XXXX time, but instead they decided to punish us and show us late for four years. In my opinion this was a willful act to blemish our credit and reputation. When we were notified of the oversight ( missing payment ) we made it good, along with fees, but this was not good enough for SLS. To me it is an unfair practice to not supply a statement to a customer and not allow them access to their account, but then you want to smear their credit when you do not receive a payment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2016 about Debt collection (I do not know) with SQUARETWO FINANCIAL CORPORATION (TX).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I agreed to a settlement payment on an old debt and was led to believe by the collector if I accepted the settlement and paid quickly, they would NOT report this debt to the credit bureaus. They continue to report this item. Please investigate. I can not seem to get a good answer on why this is happening. Since I work in the financial services industry, I fully understand the negative impact on of having a collection on a credit report. As such, I would never have paid this item without their commitment they would NOT report it to the credit bureaus. 

Original Creditor : XXXX Debt Owner : CACH , LLC Debt Collector : XXXX XXXX, XXXX Original Balance : {$9700.00} Agreed to settlement : {$5300.00} Paid on XXXX/XXXX/2016

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 11/18/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (IL).
Issue: Problems caused by my funds being low

Complaint: I have been out of work for a year and a half so my checking acct. was at {$0.00}. A small automatic withdrawal was made while I was in the hospital. I do n't even know what it was for because they cut off my access to my online account. The penalties imposed by the bank was {$140.00} on a under {$10.00} automatic withdrawl which there was no money in the account and had n't been for months. On XX/XX/XXXX I received a letter from chase saying they had changed the overdraft fees etc and they made a credit to my account of {$140.00} with an ending balance of {$0.00}. On XX/XX/XXXX, I received a letter telling me they closed my account, cut of all access to the account, and REPORTED ME TO THE EARLY WARNING SYSTEM WHICH HAS KEPT ME FROM GETTING A CHECKING ACCOUNT and sent me to collection. This happens at a time when I am trying to start a small business. I thought maybe the letters crossed in the mail, but nooo on XX/XX/XXXX, I received a letter from chase 's internal recovery unit demanding payment. XXXX MONTHS LATER THEY STILL ARE DESTROYING ME FINANCIAL. HOW IS IT POSSIBLE FOR A DEPOSIT THEY MADE INTO MY ACCOUNT NOT BE CREDITED TO MY ACCOUNT??? Do they have XXXX sets of books? I can guarantee they would have a withdrawal recorded to my account in seconds from anywhere in the world.

Company response to consumer: Closed with explanation