milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: This is not my BELK card, I have been experiencing issues with my dad 's debt being wrongfully associated with my credit. I am XXXX XXXX XXXX XXXX, my dad is XXXX XXXX XXXX XXXX ( XXXX ) I do n't know if this is his card, or if it is a card someone has fraudulently opened in my name.

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 02/21/2018 about Credit card or prepaid card (General-purpose prepaid card) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Unexpected or other fees

Complaint: A few weeks back I had called to speak with a Capital One representative to shut down may account in which was on a secured XXXX that I had initially secured with {$99.00}. 
A week or two had passed after not being sent the money that I was owed and I on the XXXX on XXXX about XXXX -- of this year spoke with a representative whose first name was XXXX ( employee ID XXXX ) who had confirmed with me that the prior representative that I had spoken to did not shut down my account ; and, stated that I would be receiving a check of my total credit of {$180.00} in 7-10 days. So, I wanted to make sure I understood her correctly so clarified weather it would be 7-10 calendar days or business after which point she told me it would be 7-10 business days. 
Then on the XXXX I got a call at about XXXX XXXX from a representative ( employee ID XXXX ) that was trying to make me agree on a recorded line that I was due only a check for a pennywhich I did NOT concur with as I was due {$180.00} as XXXX had stated to me on the XXXX. 
Before this occurrence I had logged into my Capital One account online and did see that in fact I was due a credit of {$180.00}. 
I later that day called and spoke with XXXX ( employee ID XXXX ) who had confirmed with me that in fact I was due that credit via check of {$180.00}. 
I has been almost a month since I originally requested that my account be closed and that the money that was due be reimbursed back to me. 
Also, any time I had requested a copy of my last statement I couldnt get a representative to do so I didnt get any where which I believe they are not letting me have because it would clearly show that I was due that credit of {$180.00} at the time of requesting the closure of this account. 
I hereby affirm that I am owed {$180.00} and demand payment of this amount.

Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2017 about Credit reporting () with SYNCHRONY FINANCIAL (AL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: On my credit report the creditors that are reporting late payments have been submitted under the freedom debt relief program. The companies are continuing to report negatively when they know they have been contacted by this company for a debt settlement. If you would look at my credit report before the program which I started in XX/XX/XXXX, my credit for paying bills on time was 99 %. The creditors have also been contacted not to call me and but they continue to do so anyway. So my problem is very difficult for me when I have always paid on time but to see my credit score drop drastically as like it has is devestating. It 's an unfair practice for creditors to continue negative reporting when they know the circumstances of the consumer. It 's like they are trying their best to sabotage a consumer 's credit history. It should be something done so that they would not to continue to report negative reports when they know the consumer has contacted them concerning debt relief.

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 07/23/2015 about Credit card () with CITIBANK, N.A. (CT).
Issue: Billing statement

Complaint: After approximately 8 years of being with Sears Platinum Credit Card, having never missed a payment, with the exception of a week in XX/XX/XXXX, and recently by one week this Month both due to Medical issues, as I am XXXX XXXX, and my wife is XXXX, and being a XXXX, Sears CLOSED THE CREDIT CARD ACCOUNT AFTER 8 YEARS OF ON TIME PAYMENTS, an employee by the name of XXXX, claimed that it was those " XXXX late payments of less than a week in both cases, this year '' NEVER TAKING INTO ACCOUNT, LITERALLY, that we have never had late payments over the previous 7 years. 
SO they decided to close the account based on a review of THIS YEAR. 
And to ad injury to insult XXXX invited me to reapply in a local Sears store, and when I reminded him that I was XXXX XXXX he suggested reapplying online.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2017 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (NY).
Issue: Credit decision / Underwriting

Complaint: We received a loan modification back in XX/XX/2011, we had a 90 day trial and it was official. If we paid our mortgage on time we would receive {$1000.00} off our principal mortgage every year for 5 years and at the end would get {$5000.00} off the principal mortgage. We had this agreement with XXXX who sold our mortgage to Nationstar Mortgage Company 3 or so years into it. Nationstar and XXXX both assured us that we would not have a change of any kind. We continued to receive the {$1000.00} credit every year. We continued to pay on time. Yesterday I was informed that we were not getting our {$5000.00} credit because Nationstar claims they did n't receive my " Real Estate Fraud Certification ''. We not only sent this form 3 times by regular mail, we finally were granted permission to email this form. Prior to the due date ( which in not on the form they mailed to us ) we were told we could only send it regular mail. Every year when we received this incentive, we did n't need to fill out Fraud Certificaton paperwork. However, we did fill it out several times and yesterday I was told that the research Dept decided we could n't get the credit to our mortgage. I asked the representative to please allow me to speak to a representative in that Dept. and I was told they are in a back room and I ca n't speak to anyone from that Dept. They do n't have phones, instead I must email them. I then spoke to ( Supervisor XXXX ID # XXXX ) who assured me she would fix this problem, yesterday she called to say we would not receive the credit. We have worked very hard to maintain our end by paying on time consistently and feel we are entitled to this incentive.

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2017 about Mortgage (Other type of mortgage) with OCWEN LOAN SERVICING LLC (OH).
Issue: Trouble during payment process

Complaint: This complaint is a restatement of the fact that Ocwen Financial Mortgage refused to acknowledge any court documentation, subpoenas or correspondence from their lawyers XXXX XXXX XXXX to my lawyers XXXX XXXX and XXXX XXXX of XXXX, Ohio. All of these legal forms were submitted from attorneys with loan numbers and the XXXX County Court of Common Pleas seal at XXXX.
Ocwen assigned XXXX XXXX of the Florida location who demonstrated no interest to the correspondence from CPFB and closed the case with a letter stating there was no lawsuit against me. The paper work indicated that XXXX XXXX XXXX owned by XXXX XXXX  had assumed mortgage assumption and refused to pay the bank for the property. I presented the contract and I was sued by Ocwen.
Finally, I was responsible for the legal fees, the homeowners insurance, the utilities and up keep of the property as this suit remained in court for almost two years. I have records of the amount of monies that I spent at XXXX XXXX XXXX XXXX, Ohio parcel # 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 05-07-2015 about Mortgage (Conventional fixed mortgage) with Dovenmuehle Mortgage, Inc. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX has stated they did not participate with the HAMP or HARP programs. I been unemployed and underemployed a few time since XXXX and have completed a number of modification applications. Everytime I contact XXXX and tried to have a resolution to this hardship. The last time I tried. They denied the application due to the amount of monies owed. I have repeated asked for qualifying for any forgiveness programs. I have been told they have in house programs that would help. I am currently unable to find a solution. My father, XXXX y/o, and name is on the mortgage. Lives in the property and is taking XXXX who recently had XXXX I added his income to the application. It took over XXXX months to get a response and then a denial. The debt to income ratios are within 30-35 percent and the debt is more than the value of the house. This is a TRUE hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 02/29/2016 about Consumer Loan (Vehicle loan) with Danco Financial Services, LLC (GA).
Issue: Managing the loan or lease

Complaint: Creditor : Danco Financial ( XXXX ) Law Office : XXXX XXXX XXXX ( XXXX ) The creditor, along with, their attorney illegally obtained a judgment against me and displayed my private debt information to a XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, GA XXXX. The judgment was obtained in 2014 in XXXX County. I have not lived at the above address in almost 8 to 10 years. This XXXX XXXX I have no knowledge of and none related to this individual. Whomever their process server is was able to get this XXXX XXXX to accept the court summons on my behalf. in the year of 2014 my address was in XXXX, GA and XXXX XXXX, GA.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (RI).
Issue: Billing disputes

Complaint: I purchased a puppy. The contract was signed which is attached labeled " puppy warranty ''. No where in the document does it state a return policy. I had an issue with my senior dog being aggressive, contacted the company via XXXX and explained. They advised to bring the dog back. ( conversation attached ). they then only reimbursed me 50 % of the price. I left before an altercation started. I came home to file a credit card dispute. The dispute with Capital one was first filed in XX/XX/XXXX. XX/XX/XXXX I receive a letter stating they decline the dispute. The Merchant, altered the contract and added a return policy and submitted to capital one as evidence. I immediately called capital one again and escalated to a manager. After a 3 hour conversation, the manager finally compared the contract and agreed! She re-submitted the credit card dispute. That was XXXX XXXX. Now we come to XXXX XXXX and I again receive the same message. This time no additional evidence from the Merchant, but Capital one again looking at only their contract. I attempt to escalate to XXXX different managers asking them to look at the documents and compare them. All tell me I signed a return policy. I have been a perfect paying customer of theirs for years, now have no other option as I have proof of what I signed to wait to go to court. I do not owe {$890.00}

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have contacted XXXX XXXX in regards to an account balance of {$480.00} seen when I pulled my credit file. i have yet to receive any validation from them and since then the account has been sold to XXXX XXXX who contacted me on XXXX/XXXX/16 with a collection letter. I have sent them a request for validation also and I have yet to receive anything from them also. The collection agencies continue to report this information as accurate but i have contacted both companies as directed and have yet to receive a response so i am unsure how these reporting agencies are accurately validating this clearly wrong information.

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 04/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: This is a complaint regarding a dispute I submitted to Equifax regarding an inaccurate, erroneous  Tax Lien reporting illegally under my name on my credit report. I checked the Equifax website Check S tatus of dispute section and it states that I submitted my dispute on  X/XX/2017   , and it states that completion date scheduled was  X/XX/2017   .   However, it states that the dispute is still " PENDING '' after more than 97 days as of today    XXXX      XX/2017 .    Equifax has illegally surpassed the 30 to 45 days allowed to investigate a dispute under FCRA 611.     This Tax lien is erroneous and inaccurate and should be deleted immediately.      1   ) T ax Lien - #  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (MI).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: I closed my XXXX 's XXXX MasterCard account at Synchrony Financial because of fraudulent activity. Synchrony Financial kept the accumulated cash reward and would not respond after the first communication.

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 02/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On XX/XX/2015 a balance of {$0.00} from XXXX XXXX Bank appeared on my XXXX  and Equifax credit report. I am challenging XXXX and Equifax to verify this account Per Section 609 of the Fair Credit Reporting Act. This is a consumer disclosure section which is to provide for the protection of consumers against false or erroneous reporting.This section of the ( FCRA ) places the burden upon the credit bureaus and creditors to provide the credit bureau a copy of the ordinal creditors documentation. Whatever I filled out and signed upon opening the account with the reporting creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2016 about Bank account or service (Savings account) with CITIBANK, N.A. (NJ).
Issue: Deposits and withdrawals

Complaint: I opened a new CITIGOLD saving account on XXXX/XXXX/XXXX with their promotion : Earn {$500.00}. 
1 ) open the account before XXXX/XXXX/XXXX 2 ) deposit {$50000.00} WITH 30 DAYS. 
3 ) MAINTAIN A BALANCE OF {$50000.00} FOR NEXT 30 DAYS TO RECEIVE {$500.00}. 
My account opened on XXXX/XXXX/XXXX deposit {$50000.00} at same day AT XXXX XXXX XXXX, XXXX OFFICE, and still have balance {$50000.00} plus BUT HAVE NOT RECEIVE MY {$500.00} yet. 

If I refer a same citigold costumer I will get a {$100.00} each. I did for XXXX person XXXX XXXX XXXX in XXXX, XXXX XXXX and XXXX XXXX in XXXX, XXXX. 


CITIBANK SHOULD PAY ME ALL THIS PROMOTION MONEY.

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 01/15/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with NCC Business Services, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have NCC Business Services on my credit report twice. They claim I owe a debt from XXXX XXXX Apartments. In which I have never lived in these apartments in my life. I gave my financial coach XXXX XXXX with XXXX the consent to speak on my behalf to see about clarifying the paying of this debt. Come to find out that they have this debt under another XXXX and under a different date of birth and social security number. I will provide my credit report and the consent form I signed with my Financial coach.

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 08-06-2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Loan modification,collection,foreclosure

Complaint: In XXXX 2011, I was granted a loan modification on my mortgage with Bank of America. In the time since, I have paid my mortgage in accordance with that modification. Last month, I received a XXXX XXXX package with documents on Bank of America Home Loan letterhead and a cover letter stating that there was an error in the format of the documents and they were unable to be recorded at the county recorder 's office. The letter goes on to say that a representative from XXXX XXXX would meet me at my home to instruct me on signing the papers and notarizing them. I did not sign the paperwork. 
Last week, I came home to find a gentleman sitting in a car in front of my home. He said he was with XXXX XXXX. He handed me a letter which instructed me to call XXXX XXXX to schedule a time for a representative to come to my home. He then proceeded to take pictures of my home, and to ask me if I wanted to have a notary visit my home. I told him no and asked him to leave. 
I receive calls daily from an XXXX number. When I answer, no one speaks. I checked the number of the web and forums have shown that it is XXXX XXXX. They never leave a message, and never speak when I answer their calls. 
I am VERY concerned. I personally had my paperwork notarized back in 2011. I have not been able to reach anyone at Bank of America who can tell me what is going on. And given that it is now XXXX years later, I find it very hard to believe that it has taken Bank of America this long to determine that the mortgage was not recorded with the county. 
I feel that either this is an attempt by XXXX Services to get personal information or somehow execute a fraud -- or Bank of America is trying to backtrack on something that they have done illegally. At any rate, I 'm feeling very uncomfortable with the entire situation, and even more so now that someone has shown up at my home. 
Any assistance would be greatly appreciated.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2017 about Debt collection (Mortgage) with JPMORGAN CHASE & CO. (NY).
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint: My home is being sold TODAY XX/XX/2017 AT XXXX ... .JP MORGAN CHASE purchased my mortgage I got behind on my mortgag they started foreclosure proceedings I then they came to a modification agreement with me and sent me a letter on 3 different occasions stating they withdrew the foreclosure complaint and to disregard the foreclosure papers then my loan was sold to XXXX I had to begin the modification all over meanwhile my foreclosure which has JP Morgan Chase as plaintiff continued despite the fact they said to disregard it because JP Morgan Chase led me to believe the foreclosure was withdrawn by them and TOLD ME TO DISREGARD COURT PROCEEDINGS I didnt appear in court JP Morgan was awarded judgement I have been trying to get JP Morgan Chase to stop the foreclosure since they are the only named plaintiff not realizing tmy new servicer XXXX was some how the one really moving ahead with the foreclosure sale so they should have been who I was working with but I did not know because JP Morgan Chase is the Plaintiff on all the court documents and XXXX never sent me any information that i requested they lied said they did offered proof of mailing which clearly shows only a XX/XX/XXXX mailing date and two letters stating they were researching the information I requested regarding my modification with XXXX and where the payments went and if they were honoring the modification instead they just stalled and used the fact that JP Morgan was the listed plaintiff and that I thought I was supposed to be working with them as a stalling tactic ... the fact I thought JP Morgan Chase was who I had to work with is evident in the amount of complaints I have filed with you against JP Morgan Chase

Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (WI).
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint: My credit card issuer, Wells Fargo Bank, assessed with an APR interest rate hike beginning in my XXXX of 2016 from a 9.490 % to a 28.740 %. This rate hike was a direct result of their Call Center staff incorrectly setting up an auto-payment which was to continue for 3 months while I was traveling internationally. <P/>In working with my the local Wells Fargo Banking Representative, a member of their XXXX XXXX XXXX XXXX XXXX XXXX and a member of their Small Business Lending Operations staff they corrected problem with three additional, but unrelated, accounts. <P/>I 've attempted to follow up for several months ( and have supporting documentation to include statements and emails if necessary ) regarding the status of this specific account but never received any resolution or a complete response. In contacting them today to follow up with this issue they insisted that " they '' did, in fact, correct the issue but the account was delinquent. I informed them that I received no such notification and I then I proceeded to go through each invoice and read the interest rate and fee reversals to demonstrate the requests were incomplete. After that the representative informed me that they were not able to provide an alternative and advised me to contact the VP for the XXXX XXXX XXXX XXXX ( XXXX XXXX ) but unfortunately I have yet to see any resolution.

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