milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/15/2016 about Debt collection (I do not know) with SYNCHRONY FINANCIAL (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a response from the bank on XXXX/XXXX/2016 with a copy of something I supposedly signed and a letter refusing to remove fraudulent information from my credit report and claiming that I signed up for the card online but has not provided an IP address that can be linked to me. The bank could have sent me this IP address proving to me that the debt is mine and trying to make payment arrangements. Since this debt is years old and the bank has had more than enough time to provide proof that could not be questioned in a court of law, remove this 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 non-monetary relief
Consumer complaint received 08-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have two accounts reporting to my credit. XXXX XXXX is reporting to my Equifax and XXXX/XXXX is reporting to my XXXX. I have attempted numerous times to find out who they are and why they are reporting to my credit. I do not recognize them nor their original creditor. Neither initially had any of my information. Neither was able to pull me up by my address or my social. All they have done is sent me generic letters which are basically invoices claiming I owe them. I have requested numerous times going on six plus months now for an investigation from them and the bureaus and are met with a generic response and invoice saying I owe. I have requested proof and have been sent none even though they claim they have proof and were able to prove it. I have requested proof of the investigation and have received none. I have filed a complaint with the FTC for identity theft as their behavior and refusal to provide me with proof and/or evidence that these are my accounts leads me to believe my information is not secure and may have been compromised.I have filed a identity theft police report also. I have also filed numerous complaints with this forum and all the companies have to do is respond with their basic responses and the complaint is closed. This is still a open issue. I currently have an open investigation with XXXX that is scheduled to be completed XX/XX/2017 but fear they will do nothing more than respond with a generic response saying it is mine and not provide me with the proof or deletion

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/19/2015 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I disputed the below accounts with Equifax on XX/XX/2015 but they never responded to my disputes. I disputed that the following accounts are not reporting correctly. 
XXXX BANKXXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX BANKXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I have a mortgage which was assigned to Greentree and now they call themselves Ditech. I have my payment to auto debit out of my account every month on the XXXX when it is due. They took it out on the XXXX ( not a problem ). I got a call this morning at XXXX from Ditech asking me to make a payment, I informed him that the payment was already set up on auto debit from my account, his response was oh I see that. Well it is still pending. Why am I getting a call 2 days before my payment is due when the payment will be there on the day it is due? Also let me state NEVER have I been late in the 12 years I 've had my mortgage. NEVER did the other banks that I 've had to make my payments to in the past called me and harrassed me as much. When it was Greentree they called me asking for payment the day my check cleared my bank which is why I went with auto debit but I guess that is n't good enough for Ditech.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (KY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: There are many inquiries on my credit report that I did not authorize, XXXX from XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX from XXXX XXXX and XXXX XXXX XXXX XXXX XXXX from XXXX XXXX XXXX from XXXX XXXX XXXX from XXXX XXXX Chase Bank has multiple inquiries from XXXX XXXX XXXX This inquiries were never authorized by me and I would like them removed.

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2016 about Credit card () with WELLS FARGO & COMPANY (PA).
Issue: Other

Complaint: I bought furniture at XXXX furniture that was delivered XXXX 2016 and was given 12 months zero interest. When I received the statement this month it has interest charges on it six months early.. I have my receipt showing that I was given 12 months zero interest.

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 12-07-2016 about Consumer Loan (Vehicle lease) with SANTANDER CONSUMER USA HOLDINGS INC. (MI).
Issue: Managing the loan or lease

Complaint: To whom it my concern, I would like to make a compliant about Chrysler Capital. I have been receiving billings and information at my home address for over three months. I have called Chrysler Capital three separate times to confirm that I am not listed on the loan and to inform them that the mail recipients do not reside at my address. I have requested that the mailing stop being sent to my address and that my address not be on record for the loan Chrysler holds. The names on the loan are for my ex-husband, XXXX and his grandmother, XXXX. This loan was executed with Chrysler Capital after the finalization of my divorce and after XXXX had move out of the house. XXXX does not have any ownership of the property located at XXXX Michigan XXXX nor did he live here when he purchased the vehicle. I would like Chrysler Capital to remove my address from their records and stop mailing statement/billings to my home.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2015 about Debt collection (Credit card) with CAVALRY INVESTMENTS, LLC (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: cavalry portfolio services continues to report account number XXXX as a collection/charge off on all XXXX credit reporting agenciesXXXX XXXX XXXXthis account was included in bankruptcy filed XX/XX/XXXX and they were listed as a creditor on XXXX of the bankruptcy petition filed XX/XX/XXXX. this account should be reported with a XXXX balance and included in chapter XXXX bankruptcy

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2017 about Consumer Loan (Vehicle lease) with BB&T CORPORATION (AZ).
Issue: Managing the loan or lease

Complaint: The company reported a late payment on my report when I informed them that I set up my auto draft on heir website. I 've asked them to remove the late payment and I set up the auto draft through my bank instead. They refused. My score dropped because of 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 explanation
Consumer complaint received 03/13/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Richland Holdings, Inc. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Did not know I owed this to XXXX 7 years ago until went to rent another Apt paid this bill in full to Richland holdings. They said they would remove from my credit report. They just keep resubmitting it I called them and they told me to show proof I paid this was 7 years ago and 3 moves. they told me to go ahead and dispute it was removed nad now is back. I am just wondering if they are collecting and not paying companies they are contracted with.

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

Complaint: On XXXX/XXXX/2017, I was informed that there had been a data breach of Equifax, which contained very sensitive information on millions of people in the US. I was directed to use their tool to check on the status of my information at www.equifaxsecurity2017.com and was informed my information had been compromised. This may include my name, address, social security number, and more. This breach makes my sensitive information potentially public and puts myself at risk for identity fraud, and is an improper use of my information.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2017 about Mortgage (Conventional fixed mortgage) with SUNTRUST BANKS, INC. (DC).
Issue: Loan servicing, payments, escrow account

Complaint: SunTrust Mortgage changed the technology on their e-Pay system around XX/XX/2016. Since that time my mortgage loan account has improperly not shown my current payment due on e-Pay on the first of the month. Every month now XXXX shows my XXXX of month payment due AFTER I have paid it! I have spent numerous wasted hours on the phone with loan servicing staff who are unable to fix the problem and who are unwilling to own the problem. And around mid-month each month I am improperly billed for TWO payments - the current month AND the next month 's payment..

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 11-03-2016 about Debt collection (Medical) with American Financial Credit Services, Inc. (IN).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: I asked this company to verify that this was my debt and when the date of the debt took place and they could not verify any of these. They sent a short letter with no information asking of ways to repay this debt without verifying any of the information I had asked. Date, date of birth, copies from original debt. Then they attempted to make harassing calls towards me in the evening past XXXX stating they would have me arrested if a payment was not made. Still they could not verify any information by sending me copies

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: First I felt I was getting no cooperation from the TransUnion the credit bureau. I kept getting Verified, No Change letters but no documentation of how determined despite having asked several times. In a phone call TransUnion finally says there is no documentation. The documentation lies with the creditor and the creditor does not have to provide TransUnion with that documentation. XXXX XXXX XXXX has continued to respond to TransUnion on a debt showing last activity in XXXX of Verified, No Change with erroneous activity reported for XXXX - XXXX submitted, reporting a first deliquency in XXXX ( and then closing the account XXXX ). When I try to contact XXXX XXXX XXXX directly they only tell me they sold the debit in XXXX ( already well past the 7 year reporting date ) and refuse to do anything to assist me. They wo n't write me a letter stating who they sold the debt to so I can provide to the credit bureau, they wo n't report it to the credit bureau, they wo n't remove the information on my credit report being reported in their name. They will only tell me it was sold to XXXX XXXX XXXX XXXX which only goes to a busy signal everytime I try to call. I do have records of this number calling back in XXXX. Again last payment history XXXX should have already been long off my credit report and no legal liability existed due to statue of limitations at the time XXXX sold the account showing on my credit report ( only XXXX of the XXXX ). I feel TransUnion and XXXX XXXX XXXX could have fixed this and if issue of this reporting is with XXXX XXXX XXXX then fraud in re-aging the account. I found a XXXX XXXX XXXX online with a different toll free number based out of XXXX with complaints and actions against it but not XXXX answers even though says business hours. When I discovered this error several years ago ( disputed 7 times so far over 2 years ), it cost me hundreds of thousands of dollars in financing and tens of thousands more since then.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (TX).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: Purchased mattress with XXXX XXXX  Credit card promotion, where if you set up automatic payments, there was XXXX interest. I was told the whole process was automated, including a balloon payment at the end. However, the balloon payment was not automated, so when it didn't happen, I was charged deferred interest charges of {$2900.00}. I have paperless statements with this account and usually get monthly emails with balance. I had not received an email for the last 4 months, and when I received it this month ( XX/XX/XXXX ), I saw the higher balance. I called them to see if they could waive the charges but they said I was outside the 30 day waive window. My issue is that I was unaware of this charge because I understood the whole process to be automated including balloon payment, and I received no email statement saying that I needed to pay it off, only an email when it was 2 days outside the waive fee window.

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 03/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Fidelity National Information Services, Inc. (FNIS) (NJ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I went to open a Bank account and once they ran the ChexSystems 3 accounts came up on my account that were listed as NSF ( 2 ) activity or Account Abuse ( 1 ) I wrote to the banks and to ChexSystems on XX/XX/XXXX to let them know that I had no recollection of owning or signing for these accounts. I received a letter from one of the banks stating that the account was valid but they did not send me proof of signature. I wrote them another letter on XX/XX/XXXX requesting that they send me proof of signature.

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 02/24/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Have made 9+ disputes ( since XXXX XXXX XXXX XXXX ) with Experian on credit card account with XXXX ending with XXXX. Experian refuses to fix inaccuracies reporting charged off account payment status as late since XXXX XXXX XXXX. XXXX XXXX account charged off XXXX XXXX. Representative stated its Experian right to set policies regarding how charged off credit card accounts are reported. Requested copy of Experian policy regarding reporting of charged-off credit card accounts placed on hold 20+ minutes.

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 01-11-2018 about Debt collection (I do not know) with Advance America, Cash Advance Centers, Inc. (FL).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: Collector keeps calling my sister in law requesting for payment. 

I have called and asked to stop calling someone else that I do n't talk to and they wo n't stop

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I submitted a request to Experian to deleted items off my credit report, because of identity theft. I received an updated on  XXXX   XXXX ,  2017 . I have the report number and on the copy of my report it is showing that Experian deleted items off my credit report, but the items reappear on my account. I had  XXXX  account items deleted and  XXXX  inquiries deleted, that was input back on my credit report. I have sent disputing letters to Experian about deleting items on my report. I just need for Experian to deleted the items back off of my credit report.

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 09/19/2016 about Student loan (Non-federal student loan) with NELNET, INC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I requested a consolidation loan online from Nelnet. Nelnet sent a printed summary sheet to my home address, which included a proposed consolidation loan amount more than {$23000.00} in excess of my current loan balance.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I tried to make payments that I could afford but was told that if I did n't make the full {$1600.00}, payment per month, that my payments would not be accepted or count towards my loans. I was encouraged to take a forbearance, continually and not told about payment sensitive options. I work in XXXX, so my salary is low but was not told that my loans could be forgiven because of my field. My loans have quadrupled since I left school and I have no way of ever paying the actual loans off, even with XXXX additional jobs. I want to make payments but I need a lower more affordable amount, less than a mortgage payment.

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2016 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have a twin sister with a similarities in both our name and social security number. As a result her credit info is mixed with mine.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint: I had some detrimental items on my credit that were incorrect. These dropped my credit score significantly. 

I submitted complaints here and the items were removed. Before these items hit my credit score ( XXXX and XXXX ), it was up to XXXX. Now that all of these items have been removed my credit score is going back up slowly. The issue is that if incorrect items hit my credit report and drop me nearly XXXX points, removing those items because they were INCORRECT and did not belong there should restore my credit BACK TO WHERE IT WAS BEFORE THE ITEMS LOWERED IT. 
What I am seeing is that I am starting back from where the incorrect items brought me down to which was XXXX. This is completely XXXX backwards. This is literally holding me back from purchasing a home. I am ready to sue the doors off of everyone I can to simply get a high XXXX credit score for XXXX sake. This is ridiculous and causing XXXX for me. 

My score should be around XXXX and moving up, not XXXX and moving up. 

From XXXX ; XXXX collections were removed ( XXXX, XXXX, and a collection for XXXX ) From XXXX ; XXXX collections were removed ( XXXX, XXXX, and a collection for XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX   XXXX   XXXX   XXXX   located in California is reported on all  XXXX  of my major bureau credit reports as a closed unpaid account ... I have disputed this amount with them and have requested on numerous occasions that they send a validation of the debt and why they feel I owe that amount. The most recent call was on   XXXX   XXXX   2017  at  XXXX  in which proper proof of this amount was not provided instead I was negotiated at a different price then listed on my credit and they would remove the account completely from my credit. I found this very strange and when I asked for paper work and proof I was told it would be emailed to me. I never received the email I called 4 days later and was told someone would call me back. I am requesting they either send proof of why they feel I owe this or request they remove it as it is hurting my credit and I am trying very hard to rebuild it.

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