milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/26/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (FL).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I received a letter today that my account as closed due to creditworthiness. It report my credit score was XXXX. However, my score was lower than that when I got the card. I recently paid the card in full in XXXX 2017 and a few weeks later I received a notice that my credit has been pulled and my Belks card is closed. I never have paid late and this is going to reflect negative on my credit report. This type of protocal is unfair and deceiving.

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 05/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I had to dispute a delinquent account on my credit report with transunion in  XXXX   of 2016.  I got that charge taken off but somehow they managed to  XXXX   XXXX  my social security number in the process. I called and spoke t o 4 D ifferent people, none of which could speak good English, you could barely understand them, and they would not fix the social security number ( which they messed up from the original, which was correct ) unless I faxed them my social security card. I did not trust it, and they would n't give me any other options, they were just rude when I said that I did n't feel comfortable. Since then I have new accounts open, I have no access to my credit report,  the one time I was able to see it, nothing had changed on it since 2016 when the charge from the hospital was taken  off, and it should have definitely went up since then. I am unable to get any loans, at least through my bank because my social security number does not match up with what transunion is reporting, my background check for jobs takes longer and I have even been told that they were n't able to find me under my real social security number. I have tried multiple times to get this fixed, but I 'm at a loss for what to do. I am not sending my social security card to some third party call center that is n't even in this country, it does n't seem secure. This was their mistake because my social was reporting right until they took the charge off my credit report and messed up the last numbers in my ssn.   If we could get this fixed that would be wonderful, and less   XXXX   on 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 07-11-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Professional Credit Services for {$110.00}, and XXXX XXXX XXXX for {$240.00} are the XXXX Collection Agency these people have sent these accounts to. The balance of these accounts are from fees, interest, and what ever else was charged to these accounts. Original accounts were XXXX XXXX and XXXX XXXX. XXXX phones were turned on in 2012, and shut off the same year. They need to be removed from my reports.

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 06-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I have seen the Public Record in my report, it 's over 7 year s BKPT C T AZ  XXXX  -  XXXX  Under the provisions defined by the FDCPA, I am exercising my right to remove the out-of-date Public Record from my report immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I attended XXXX XXXX in XXXX, California. I took out a federal loan for school and I have been paying it. The school then proceeded to take out XXXX private loans out in my name without my consent or knowledge. I have expressed this to the loan company NAVIENT, when they called me 3 years after the school applied for it. They refused to send me any " proof '' that they claimed to have. I have never received any information about the loan, yet it 's on my credit report and I have been disputing it since I learned that I could. This has caused a huge grievance on my credit score and therefore reflects poorly on me as an adult, making it difficult to apply for an auto loan and eventually a mortgage XXXX day.

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2017 about Debt collection (Other debt) with FAIR COLLECTIONS & OUTSOURCING, INC. (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: To whom  it may conc ern, My name is  XXXX   XXXX , I am currently having an account with  FCO, Fair Collections & Outsourcing Inc. T he amount that was delinquent was  XXXX , originated on  XXXX / XXXX / XXXX . However, the collector attempted to reage the debt to  XXXX / XXXX / XXXX , which in my understanding is at once unethical and illegal.     Please help,  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 explanation
Consumer complaint received 03/27/2017 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I first started with annual credit report website for copies of my credit report. I receive XXXX out of XXXX agency with no problem. Equifax stated online they can not find the report and need more information in hard copy. I email SOcial security card and bill with address as requested. Equifax send back same letter requesting the documents 3 more time with me sending them three more time. Last time I add the information to the certified mail, and letter ask XXXX they need any other information but with no response beside the same letter asking for the hard copies that I sent. 

I file a dispute online with them but no reply was provided after a month.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Sir, Currently, I 'm living in abroad ( XXXX ) for a short period and moving to US soon. I was given understand that there are few credit card accounts are charged off and there are fraudulent transactions are appearing on the account statements. In this context, I tried to extract credit reports/statements from credit card reporting and monitoring agencies like TransUnion, XXXX etc from XXXX. Unfortunately, I 'm not able to access reports and it is showing up as 'location issue '. I 'm trying to access these reports from XXXX ( Abroad ) and it could be the reason for not getting these reports. As I 'm moving to XXXX soon, kindly send those Credit reports to the following address in USA as I need to fix this issue before arriving in to USA or to my e-mail ID : XXXXXXXXXXXX. 
XXXX XXXX XXXX XXXX NJ XXXX 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 11/22/2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (FL).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: Contacted several representatives via telephone and emails because of the financial hardship I am experiencing to pay the minimum balance on my account since Hurricane XXXX. I requested a deferment on my payments until XXXX 2018 and have not received a response.

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 08/20/2015 about Debt collection (I do not know) with PMAB,LLC (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: this acct is fraudulent and is a result frim identity theft and the company is reporting this to the credit bureaus as well as has an oppen acct that needs to be closed with thier company.

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with TCF NATIONAL BANK (WV).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XXXX   XXXX  in  XXXX  Va  XXXX  (  XXXX  )  XXXX  pulled and sent my credit information to multiple banks not only without my consent but after I plainly told them I was working with them and another dealer and I wasnt letting either pull my credit until I saw who gave me the best offer. Well I had bought a car from  XXXX  a few months back and they evidently pulled my old application and used my information to do a credit pull anyway probably thinking theyd force a sale on me. I called them and asked them to remove these illegeal inquiries and they refuse. I have the text messages from them where I plainly stated they in no way had my permission to pull my credit and that they better not pull my credit. The next day my credit monitoring showed they still did it. I called and they told me I have to call the bank directly I did and this bank made it clear they work with dealers not consumers I want this company held accountable.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/26/2017 about Credit card or prepaid card (Store credit card) with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I purchased items at Kohl 's on XX/XX/XXXX that totaled over {$200.00}. I paid for the purchase using a combination of Kohl 's cash, XXXX gift cards, and my Kohl 's credit card account. After all credits were applied, I still ended up putting {$120.00} on my Kohl 's credit card. On XX/XX/XXXX, I returned one item totaling approximately {$31.00}. The Kohl 's employee that took my return told me that the refund would go back on my card. I assumed that she meant my Kohl 's account. A couple of weeks later, I went online to check my Kohl 's balance and noticed that I never received my refund to my Kohl 's account. When I call their Customer Service number, I was advised that the refund went back to a XXXX gift card that belonged to my sister. When I told them that they  sent my refund to another person, they told me there was nothing they could do about it because that is " how the system works ''. They told me to call my local Kohl 's and talk to them about it. I then called my local Kohl 's and had several conversations with a manager and eventually, the store manager. Both employees advised me that my refund was sent back to the XXXX  gift card automatically because that is how the system works. I was offered store credit for my purchase ; however, neither subject seemed to care that a system is in place where a customer 's refund money can be sent to someone else. Also, I did not want my refund in the form of another store credit. I wanted it to go against my outstanding balance to lower the amount that I owed. I was told that this was not an option because the " computer would not let them do it ''. This whole situation is not ok. My refund money was sent to someone other than me. Then they would n't refund the money to my account because they want to force me to spend it at Kohl 's again. I was also told that my sister would have to call Kohl 's to have the money re-issued. This is not acceptable. They sent my money to someone else, so they should get it back. In this instance, the money was sent to my sister. I was able to just get it from her ; however, what if my sister did n't want to give me my money? What recourse would I have? I have already complained to the BBB ( see attached files ), but Kohl 's response does not address the issue of the system that is in place. I have also complained to the Illinois Attorney General, but have not received their response yet.

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My primary residence is in XXXX, and I have a mortgage loan with XXXX XXXX XXXX ( originally XXXX ) which is now serviced by Nationstar Mortgage. It is with Nationstar that I have problems with. I am a XXXX in XXXX, but I had a substantial drop of income as I lost a significant providers at the time. This caused me to be in delinquent with my mortgage loan. However, throughout the last year, I repeatedly contacted Nationstar to set up a payment plan. I even offered to pay $ XXXX per month until the loan was current. THEY REFUSED TO ACCEPT UNLESS THE ENTIRE $ XXXX WAS TENDERED. I had also offered them $ XXXX cash now and the rest on a 6 months payment plan, which they also refused. They filed a Notice of Default on XXXX XXXX, 2015, and the XXXX day is around the corner. They had me applied for a loan modification, but I still have no idea with the status is at the present. The reality is if this continues I will be forced to file a Chapter XXXX bankruptcy to prevent my house from being foreclosed. And once that is in place, Nationstar will get much less than what I am offer. This will also ruin my records and business. Therefore, I solicit the help from your office to see if there is anything your office can assist to get Nationstar to act rationally to all. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2015 about Debt collection (Medical) with BCA Financial Services, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Dear Sir Madam, Subject : Removal of name for debt collection by BCA FINANCIAL SRVCS INCI recently discovered through my credit report that there are XXXX debt collections report by BCA FINANCIAL SRVCS INC as follows : Account # XXXX $ XXXX XXXX XXXX XXXX XXXX AND XXXXOriginal XX/XX/XXXX, XX/XX/XXXXOpened DateJan XXXX, XXXX ReportedIndividualResponsibilityPlaced for collectionAccount # XXXX $ XXXX XXXX XXXX XXXX XXXX AND XXXX Creditor $ XXXX XXXX, XXXX XX/XX/XXXX ReportedI have called up BCA and they denied the report since they said that that nothing was on my name for collections and they never reported this to Finacial Bureau XXXX 

I have no outstanding balance or debts as reported through consumer 's credit agency with my name or social security number and hereby request my name be taken off your debt collection list to rectify and restore my credit report. 

Your kind and immediate action on this earnest request will be highly appreciated. 

Thank You, XXXX XXXX XXXX XXXX add : XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2017 about Mortgage (Other type of mortgage) with Shellpoint Partners, LLC (IN).
Issue: Trouble during payment process

Complaint: In XXXX 2017 I refinanced my home thru New Penn Financial, my contact XXXX XXXX told me that because my income verification did NOT match what I had submitted that I would be required to pay off my two credit cards. The first was with XXXX XXXX XXXX for about {$2400.00}. The second was an XXXX credit card with XXXX in the amount of {$560.00}. New Penn said that I would have to borrow more money to pay these off and that they would provide me with 2 checks to do so. The first check for XXXX was for the exact amount and went thru no problem, the second check was made out to XXXX for over the amount and when I went to pay the clerk informed me that they were not able to complete the transaction because the check was for more than was owed and my name was not on the check. I emailed XXXX XXXX at XXXXXXXXXXXX and text her at XXXX. I gave her the exact amount due and she told me that she would get back to me. I never heard back and have begun to receive bills from XXXX for the credit card. With late fees and interest charges the total due is now {$780.00}. I have tried to call XXXX XXXX and her immediate supervisor and left voice messages with both of them and emailed XXXX at her email address and have received no replies. As this affects my credit score it needs to be resolved ASAP. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 12/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: There are addresses on my report that should not be there. my Current Address is XXXX XXXX XXXX XXXX XXXX, Tx XXXX All Other Addresses Should be Removed

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 08/25/2015 about Consumer Loan (Vehicle loan) with CREDIT ACCEPTANCE CORPORATION (IN).
Issue: Managing the loan or lease

Complaint: My son was XXXX and I informed the company that he was deceased and the family did not want the vehicle and that the vehicle was totaled. I also informed them that they can get whatever information that they wanted concerning the vehicle from the XXXX Police Dept. I am not a co-signer or guarantor or anything on his loan. My son had no insurance at the time of the accident and has no estate because he did not have anything I have asked them not to call me anymore. They are calling my cell phone while I am at work 3 and 4 times a day not to mention the number of times that they call my house. The company name is Credit Acceptance and there are several numbers that they call from one of the numbers is XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2015 about Debt collection (Federal student loan) with Navient Solutions, LLC. (OK).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Sallie Mae/XXXX continues to call me when I've told them they have the wrong person. They say thank you for letting us know but they call again. This has been ongoing for years.

They are calling everyone with the same name.

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.Q. DATA INTERNATIONAL, INC. (CO).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Never received any notice of debt in three years, debt pops up on credit report. Contacted company to verify debt, they refused to send out any information. Finally decided to give up and see if they would settle the debt for a lower amount because I am trying to get a house and can not have this on my credit, they refused to send me any information by mail, or even email and told me I could pay a lower amount. The next day they called me and said unless I paid right that moment, they were taking away the offer. They threaten with wage garnishment and legal action, all while REFUSING to send you any information on your debt or agreement to pay!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Mortgage (FHA mortgage) with CITIBANK, N.A. (TN).
Issue: Struggling to pay mortgage

Complaint: I had hired 3 companies in the past to help with my mortgage to get a loan modification. I had given up on the companies, partly because I was having problems with constantly having to resubmit the same papers over and over again. I finally contacted the company myself and submitted all of the paperwork and got a decision that they would not give me a loan modification.
I have had to take care of my father because I am the only one to care for him. My mother passed away 9 1/2 years ago and I have had to help with his care. Most recently he became seriously ill and I had to stay with him at his home and be his  XXXX . My grandson moved into my house and is taking care of it in the meantime. My father passed away  XXXX / XXXX /17 and I am the executor of the estate and it has a reverse mortgage on the house which requires someone to be here to maintain the house until the estate is settled. I am the executor and heir. They declined my loan modification because I have to care for my father and his estate and stay here until it is settled. The date of the decline was just told to me on the phone  XXXX / XXXX /17. The company is CitiMortgage. I have been dealing with this and have just constantly been sending in paperwork for over a year. I have paid companies {$10000.00} or more to try to help me and have this outcome. They said it will be in foreclosure but there is a court suit on it so it will be in litigation. I do n't know what the litigation is about and how this is going to affect my credit and how to save my home.

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 06/24/2016 about Debt collection (Mortgage) with Ditech Financial LLC (IL).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: Ditech calls all times of the day and night the representative is rude and disorderly. The supervisor is never available and the person who is representing me is rude and nasty

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation