milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/21/2015 about Credit card () with SYNCHRONY FINANCIAL (WI).
Issue: Customer service / Customer relations

Complaint: Today I went through an automated system for my care credit account to see if I qualified for a credit line increase. In the past a hard pull credit check has not been required. When I went through the automated system it never stated or asked for my permission to request a credit check. Shortly after going through the automated system I got an alert from XXXX stating that Synchrony Bank had performed an inquiry on my credit report. I called them right away and told them that I did not authorize the inquiry and I wanted it removed. They indicated to me that they did not need my permission to pull a copy of my credit report. According to the Fair Credit Reporting Act they must notify me that a credit report will be pulled in conjunction with requests for credit. I let them know and they said that it was not true. I asked them to remove the inquiry as I would have never requested a limit increase if I would have known it would have been a hard pull. They refused.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: On  XXXX   XXXX ,  2017 , received by all  XXXX  credit reporting companies by  XXXX   XXXX ,  2017 , by land mail ; I wrote a very extensive dispute request to all  XXXX  credit reporting agencies (  XXXX   XXXX ,   XXXX   and Experia n )  and most of the disputes did not end with a correction in either of my credit reports. Many of the creditors responded in under 15 days according to the credit reporting agencies ( using the   XXXX   system  ).   After speaking with a representative from all  XXXX  credit reporting agencies, they all confirmed that the creditors used the  XXXX  system to expedite my dispute with creditors and none of the m ( credi t reporting agencies,  XXXX   XXXX ,  XXXX  or Experia n ) req uired the creditors to prove that I had accounts with them, by sending in copies of contracts, agreements or invoices. Instead, the credit reporting agencies used quick reference codes as shor t as 2 characters to ( respond in about 4 seconds ) say that data on my customer/consumer information is being rep orted correctly. I had a repossession that I settled,  XXXX  collections accounts I paid off, a credit card that I settled, a bankruptcy application that was on their but not completed. None of these accounts were reporting correctly and in some cases there were different accounts numbers on my credit report that were not the actual account numbers I had under credit. Hence, my bankruptcy request was not approved, so I do n't have a bankruptcy, but th e State of Georgia has it on my credit report as a negative account. They show I applied but was not gran ted and all  XXXX  bureaus are reporting this as a negative account, hurting my credit and chances at a better life.  <P/> CFPB you got ta help me get this mess off my credit report. I am a 21 year,  XXXX  time combat veteran who could not work for years due to my  XXXX   XXXX   XXXX  diagnosed condition. This is what I get for serving my country?  <P/> This clearly violates the CFPB requirement.

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 01-06-2017 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I have been trying to a modification of my mortgage with chase. this loan was finance by XXXX and services by first washington Mutual and was moved to chase went washington mutual went under. 
Its has been a night with chase since taking over the servicing of my loan. i felt behind due to illness and my job moving oversea and have been try to modified this loan for the past four year with chase. 
First the gave me a balloon payment option with was accepted after i was pressured by chase with treat of foreclosure. 
I have being in this residence in the past 17 years, and for the past four years have been making successful trier payment and without a modification at the end of it. 
Chase is attempting to modified my loan at a 3.5 % for 40 years with a payment of {$1700.00} above all other payment ever made for this property after 17 years. How just is this modification. I need help reviewing this documentations and the right decision made.

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2015 about Debt collection (I do not know) with GVA Holdings, LLC (OR).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: Calling a private business phone. The phone is located in the lobby of a major hospital in XXXX Oregon. The line that gets called redirects to a specific unit, employees at this hospital have no knowledge of the name of the XXXX persons that they are calling for. Multiple staff have repeatedly explained that to the company and have asked to have the nubmer taken off their list, and they continue to call daily.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2015 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX from Midland Credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX called me at XXXX on my cell phone knowing I have told them NO TO CALL me I only want written contact. He told me he was calling to collect a debt. The debt he said was charged off XX/XX/XXXX. Today is XX/XX/XXXX. That makes this debt 7 years old. I have requested more than once copies of the original paperwork that I would have had to sign if I opened the account. I never got anything that proves this is my debt. Please stop this company, and I want to get money for all the time and trouble and my reputation, that they have inflicted on me, due to their deceptive business practices. They buy debt and never make sure the debt is really owed, therefore they are in violation of the fair credit reporting act, which was designed to protect people from this type of activity. Please end this company from trying to collect from me on other things too. Especially the bogus XXXX XXXX purchases they bought. This is turning into a free for all and they need to be stopped.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-07-2018 about Debt collection (I do not know) with SYNCHRONY FINANCIAL (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Hello. Good day. With Age comes maturity. Im conducting a much needed credit health check and have found there are a few Credit Agencys that have reported debt I supposedly owe. Well Ive never received notifications on these debts. Ive heard horror stories about Credit agencys using unprofessional even illegal practices on consumers. 
I have attempted to dispute this with the credit Bureau and it simply comes back as valid. Yet no statements, no letter validating this debt. I found out the origin was in Florida state. Im in California & have no history or ties in that state. Matter of fact my credit history doesnt even display this type of activity of such a large charge {$10000.00} Opened XX/XX/2015 Can you please assist me on this matter.

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 10-02-2015 about Consumer Loan (Vehicle loan) with CITIBANK, N.A. (KY).
Issue: Taking out the loan or lease

Complaint: I had a car loan with Onemain Finance and was buying a new car using XXXX XXXX XXXX XXXX XXXX as the new lender. I called the one main branch where my loan originated and had them provide me with a payoff on XXXX they quoted me {$3600.00} and advised me as long as I paid it off on or before my next due date ( XXXX/XXXX/2015 ) the payoff would be the same. On XXXX XXXX XXXX XXXX XXXX XXXX paid Onemain Finance {$3600.00} and Onemain posted the payment XXXX/XXXX/2015. I thought everything was taken care of and I just needed to wait in my title to my old car that was paid off. I received a bill in XXXX stating I still owed Onemain money. Thinking there must be a mistake I called and they told me that I still owed {$1000.00} and in order to pay the loan off I could pay {$120.00}. I tried to plead my case but the branch was very rude and told me that if I did n't pay the {$120.00} by XXXX/XXXX/2015 then I would be responsible for the {$1000.00}. I 'm an elderly and did not know what to do I 'm on a fixed income and after paying my bills I did not have the funds to make the payment. I gave Onemain permission to speak with my son hoping he could work out a resolution. He called the branch and spoke with the branch manager XXXX XXXX who was again very rude and abusive. She told my son that the payment was not posted in time and had no explanation for why the payoff would change {$120.00} from the time I called or why the payment was not posted sooner. I have done business with Onemain for several years and have always paid them well before my due date and I always paid more than the regular payment. My son ask if they could assist with waiving any fees or helping and she replied that 's not how the do business screaming at him. My son told XXXX that we would be contacting the CFPB to file a complaint and she replied that Onemain is a large company and that one complaint would not make a difference. I am a honest and careful person and treat everyone with respect Onemain 's approach to customer service was the worst I have ever seen and I am still left with no explanation on how or why all this happened.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 07/14/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CO).
Issue: Loan servicing, payments, escrow account

Complaint: Nationstar Mortgage has kept my excess escrow from 2015. They still are charging my account an escrow fee even though I 've paid the taxes and insurance directly.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2017 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: During our bankruptcy proceedings it was agreed that the escrow account was to be closed in XXXX. During final resolutions the escrow was to remain closed. XXXX On XXXX Ditech started to subvert mortgage payments into an unknown account.. Ditech subverted XXXX mortgage payments to this date into an unknown account. XXXX and XXXX. Ditech failed to notify anyone of the subverted mortgage payments. 
Ditech has claimed that it made property tax and hazard insurance during the year XXXX/XXXX and XXXX on my behalf. This is not true as I have made every tax and insurance payment. 
Ditech is requesting to open an escrow account and submitted a false statement to the bankruptcy court in declaring that they have made escrow payments and other unknown payments from an escrow account that was opened on my behalf in secret. Not XXXX monthly statement has reported such payments or expenditures. 
Ditech is submitting that I be enrolled in a hazard insurance with the cost of XXXX. My current hazard insurance has never lapsed or expired. .My current hazard insurance cost is XXXX. I have not asked nor applied for any hazard insurance from Ditech, especially at the XXXX dollar rate. The practice of subverting hazard insurance is not new as Green Tree attempted to subvert my hazard insurance into XXXX of their own at the cost of XXXX even though my hazard insurance never lapsed or expired. It appears that Ditech is doing this to " qualify '' its practices of subverting my monthly mortgage payments. This was a common practice that the FTC discovered Green Tree was practicing and it appears that they are still practiciing this unlawful activity. 
I have filed several complaints directly with Ditech about their unlawful escrow activity. They have refused to answer any of my complaints. 
Ditech is starting to do exactly what Green Tree did that finally forced myself into bankruptcy. Even though Ditech admitted no wrongdoing, no foreclosure fees and attorney fees were assessed against myself during the Bankruptcy proceedings.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2015 about Debt collection (I do not know) with EOS Holdings, Inc. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: they called asking for a XXXX XXXX I 'm am not that person I explained to them and they basically called me a liar and refused to stop calling me the phone number they called me from is XXXX EOS-CCA Debt Collector in Massachusetts

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2016 about Mortgage (VA mortgage) with Nationwide Biweekly Administration, Inc. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Nationwide Bi-Weekly has been the go-between between my lenders ( first XXXX XXXX, next XXXX, then XXXX ) since I bought my house in 2012. They deduct half my mortgage payment twice monthly, and pay it the following month. In XXXX, I was sent a message stating they could no longer do business with XXXX, and I would have to start sending my checks directly to XXXX. They were to send what they deducted from my account for my XXXX payment and did not. After inquiring, I am in dispute with them. XXXX has helped me by providing me with avenues to assist me. In the meantime, my credit rating has dropped significantly, and I worry my VA Loan Opportunities will be limited.

Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2015 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Credit monitoring or identity protection
Sub-issue: Receiving unwanted marketing/advertising

Complaint: When I finally locate the on-line credit dispute electronic form it will not honor the completed electronic dispute log-in page. This is a clearly intentional!! The CFPB should interrupt this website and advise customers to go directly to the paper process as the website is not functional & gt ; But you already know this!! if some consumers are successful then it is a lottery thing. 
What are you doing about the credit agencies deliberate switch and bait marketing scheme whereby they clutter their website with much marketing/sales propaganda what are you doing about the credit agencies deliberate switch and bait marketing scheme whereby they clutter their website with much marketing/sales propagandahave several try and confirm what I believe is be the case = independent evaluationXXXX XXXX cell XXXX XXXXXXXXXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2017 about Debt collection (Other debt) with Aargon Agency, Inc. (SC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Recently Aargon placed a collection account on my credit reports that I 'm not responsible for due t the fact that I was a victim of identity theft. I have filed a police report and disputed the account with the credit bureaus but Aargon verified it to the bureaus as mine. I am reporting this complaint because I 'm suffering damages because of this unfortunate incident. I feel as if Aargon refuses to reason with me to have this account removed from my credit reports with my statement and official police 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 04-11-2015 about Bank account or service (Other bank product/service) with Comerica (TN).
Issue: Using a debit or ATM card

Complaint: Billing or Collection Issues - The company has processed an unauthorized bank debitProblem : i get my ss money thur direct express debit card on XX/XX/2015 @ XXXX i went to atm my card was declined, @ XXXX i called bank, was told on XX/XX/2015 someone in XXXX fl, request change address and a new card in my name, it was sent out, on XX/XX/2015 in XXXX transactions my acct, was wiped out, i want this company to give me my money back,,, i have filed police report wth XXXX city police, XXXX XXXX @ XXXX report # XXXX, went to ss office had them change to another bank so on XX/XX/2015 my money will go into new act,, the direct express card was, closed, i filed on line police report wth XXXX police dept, also, also filed fraud wth federal trade commession, ref # XXXX, and credit agency.and filed wth idenity theft resource center, ,please help if you can,,

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/25/2015 about Credit card () with TD BANK US HOLDING COMPANY (ID).
Issue: Late fee

Complaint: I am being harassed by Targets REDcard I had only XXXX charge on the card for aprox {$66.00} dollars around XXXX of last year thats when I realized it was a mistake to do business with Target. They said i was late so i owed them 35 dollars on my 66 purchase I paid the 66 and at the same time communicted to them through my credit account electronically to request that they remove the 35 dollar fee/fine/extortion as the cost of doing business with them, they apparently do n't check there e communications because i waited and waited for a reply and never got XXXX, XXXX they charged me 35 fee/fine/extortion again for not being a obedient XXXX so now they said i owed them 70 on my original purchase of 66 which i had paid, they finally reply to my e communication in XXXX asking me to call them. so i called them and i was told a supervisor would call me back which they never did but then i started getting robo calls from them but when you answered them they wouldnt connect. now by XXXX they added another 35 dollar fee/fine/extorion so now i owed {$100.00} on my original purchase of {$66.00} which i had paid in full months ago, they say they chancelled my card but they keep adding 35 dollars to it and apparently i also have to pay interest on their fees/fines/extortions. so a few days ago i called and talked to a team member who said they couldnt do anything now but they could have removed the original fee in the first month, they also claim not to have received any e communications from me even though i have the saved email resonse in my email account. now they have locked my credit account so i ca n't view my bill online??? totally disablied it but they now send me emails to log in??? I know now what the red target means

Company response to consumer: Closed with monetary relief
Consumer complaint received 06-01-2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I have been trying to obtain my United States credit report under the FACT act and have been having difficulties dealing with Equifax due to the fact that I am XXXX. 
I currently have XXXX XXXX credit cards under my name. 

1 ) I tried to obtain a free credit report at XXXX and it was unable to generate. 
2 ) I ordered an Equifax credit report on their webpage, at the end they asked to confirm my identity and provided a phone number XXXX. Equifax XXXX # XXXX. Equifax then cancelled the order. 
3 ) I phoned that number and they said I needed to speak with XXXX at XXXX XXXX ) When I phoned that number I spoke to XXXX on Team Red .... I explained the situation asked for her supervisor. She put me on hold, kept checking back, and after 15 minutes disconnected the call without any explanation. 

The main issue with Equifax is the fact that there system uses social security numbers however I have a social insurance number. However under legislation they have a duty to provide accurate credit reporting information. As I have XXXX XXXX credit cards when they say I have none this is inaccurate. Furthermore, they do not seem to care to remedy the problem when I have indicated the issue to them. 

Can you please help me fix this issue? 
Regards, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Debt collection (Other debt) with DCN Holdings Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I hired XXXX XXXX to recover two accounts for me. However I called / emailed them prior to them starting the collection process to cancel one of the accounts because I personally had collected the funds. Through numbers emails and phone calls with my " sales manager '' I told them to stop collecting. They failed to do so as the customer called me stating they were still calling him even after he personally told them he had paid me directly. I received an invoice from XXXX which detailed them taking 50 % of the correct account and 50 % from the 2nd account and per their invoice it states that they should be paying me {$180.00} for the collection of account # 1. I have received numerous calls each day and finally asked them to direct all communication through my attorney and provided his name. Today I receive and email stating : I can assure you that we will not cease our efforts to recover the fees due to our office. We will be relentless in our pursuit of this balance. 
Make your payment now to avoid the additional expenses of litigation and derogatory credit reporting. 
They are a deceitful company and owe me money but instead they would rather try to collect a fraudulent invoices.

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 12/30/2015 about Bank account or service (Checking account) with U.S. BANCORP (CA).
Issue: Account opening, closing, or management

Complaint: I had a bank account closed on XXXX XXXX 2015 and I was not notified. As to this day I have no idea why the account was closed or what the issue was. Due to this action by US bank my car, credit cards and utility bills have all not been made and have effected my credit score. The account in questions XXXX The account had no actions on it for a week and had no negative balance. This account that was closed was a direct deposit account for my paycheck. This amount was not taken into US bank and at this point I have not received my wages. US bank has also charged me overly for late and over draft fees for over six years. I have continued to ask for explanation on this and have received none. US bank can not just closed a account without notices to the customer a give them ample chance to change information so wages and bills are not unfairly effected. I have a family and each of my paycheck is needed for housing and food.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation