milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-03-2015 about Credit card () with SYNCHRONY FINANCIAL (OK).
Issue: Advertising and marketing

Complaint: Back in XXXX, 2015, I ordered a pkg of XXXX XXXX T-shirts. Amazon.com had a promotion going that if you applied for their store card, you would be given a {$30.00} discount. I may have applied for that card just to get the {$30.00} discount. The total for the t-shirts was {$29.00}, so when the items arrived, the invoice said balance due {$.00} ( XXXX ). Today, XX/XX/2015 I received the one and only statement from Synchrony Bank ( which handles the Amazon store cards ). The statement showed I had a previous balance on the " credit '' account of {$29.00}, and was billing me {$26.00} for a {$25.00} late fee and {$1.00} minimum interest fee, bringing my total to {$55.00} At first I did n't recall purchasing anything from Amazon, and then the csr on phone told me it was for pkg of XXXX XXXX t-shirts. I told her I recalled ordering them, and she offered to remove the late fee and interest charge and just bill me {$29.00}, but she wanted more info in order to close the account. I was n't comfortable giving her more information, considering that if I had truly opened an account with them, they should have all the pertinent info. She then put me on hold, and came back and informed me that they were opening a fraud investigation, and I should write down the ref # XXXX. It was after she hung up that I recalled the {$30.00} discount just for trying their Amazon Store card ( Which I would never normally do, since their interest rate is ridiculous, and I do n't really like Amazon ). I have found in previous dealings with them, that their business ethics leave a lot to be desired. Thinking about it, I believe this is yet another example of their less than honest business ethics, and a bait and switch tactic in order to get people to sign up for their HIGH INTEREST credit card. Had I been sent a statement in a timely manner, There would have been no late fee billed and I would have disputed the {$29.00} which should have been offset by the {$30.00} discount come-on. Worse comes to worse, I am willing to pay the {$29.00}, and chalk up the switch and bait {$30.00} offer, to just another one of Amazon 's dishonest business practices. Thanks for whatever help you can be. XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2015 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Ever since the origination of this mortgage, US Bank has refused to recognize the XXXX XXXX Homeowners insurance we purchase every year to satisfy the requirements of the mortgage. They continue to add their own policy to the mortgage even though we have provided the bank with proof of coverage. On occasion, they will apologize and give us a credit, but the next year we start all over with the bank adding yet another policy to the mortgage. This has been going on for 5 years. 
Different officers at the bank assure us the problem will be corrected and they will call us back. Never happens. At this point we have no idea how much the bank has added to the mortgage. 
Recently I received a letter informing me the bank was reporting late payments to the credit bureau. 
This mortgage does not have an escrow account, so we purchase insurance, pay taxes, etc., directly.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SUNTRUST BANKS, INC. (AL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have had several inquires on my credit file that are not mine, obviously they are fraud! I called the companies to have them removed with no results. I have also contacted the XXXX customer service dept and they keep telling me, they do not investigate these matters without a police report. I have tried calling the police where the inquires originated, unfortunately they say I need to be in their state to report this in person. I have seen my credit drop over 100 points because of this fraud action against me. I need some assistance at this point.

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 09/29/2017 about Debt collection (Credit card debt) with U.S. BANCORP (CO).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: US Bank has called 3 times in two hours. We are behind on our credit card payments ... we lost our business in XXXX of 2017. I have discussed with them getting on their hardship programs ... which is great, but they said to call back when we have a little bit of money to make a payment ... I agreed. The calls continue daily ... up to 5 calls during XXXX XXXX and XXXX XXXX ... I 'm also at work! 

XXXX is the same story ... continuous phone calls!

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 02/22/2016 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Application, originator, mortgage broker

Complaint: I had to parcel 's that set side by side. XXXX XXXX XXXX XXXX, XXXX Co owner of XXXX XXXX, now XXXX, stole my identity, XXXX parcel homestead ( located XXXX. ) ( XXXX ) and submitted a 1st mortgage into XXXX XXXX. Then refinanced that mortgage changing the parcel to my XXXX XXXX parcel and falsifying the address to " XXXX '' XXXX XXXX XXXX XXXX. to hide the " XXXX '' XXXX XXXX 1st mortgage.

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 11-07-2017 about Debt collection (I do not know) with N.A.R., Inc. (CO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: In XX/XX/XXXX, I noticed that my credit score had dropped dramatically due to a derogatory mark from North American Recovery for an account balance of {$730.00}. The debt was from the XXXX XXXX XXXX ( XXXX Hospital ). On XX/XX/XXXX, I submitted a dispute with XXXX  because the account was not mine. The dispute resolution did not take the derogatory mark off my credit report as the the collection agency insisted the debt was mine, but they did not provide me any proof of debt. The balance continued to climb and pulled my credit score even lower. On XX/XX/XXXX I visited the original creditor to try and obtain more information about this account. XXXX Hospital said that they had no record of me ever being seen or treated at their facility. On XX/XX/XXXX, I called North American Recovery to try and resolve this. The first person I spoke with, a woman, said they could n't find any information based on the date of birth or social security and that I had to call XXXX to obtain the account number. I called XXXX and they were able to provide me with the account number and helped me file a second dispute. I called North American Recovery again. This time I spoke with a man who kept repeating that this call would be recorded. I gave him the account number and he said it belonged to someone with a birth year of XX/XX/XXXX. I am XXXX years old, I was born in XX/XX/XXXX. The address also did not match. He stated that the original creditor did not have to keep medical records because they had been transferred to them. I requested that he send me all the information that they had on file for proof of debt and provided them my current address. He proceeded to ask my place of employment and best contact number. I did not disclose my employer because I did not feel comfortable releasing that information. He stated that they could only hold the account until the end of the month at which point they would file a lawsuit against me. I am currently waiting for the file they are going to send me and for the results of the second dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2018 about Student loan (Federal student loan servicing) with FMS Inc. (WA).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: I have phoned FMS several times left many messages XXXX XXXX, Vice President of Compliance. I would like a break down on a spreadsheet showing the loan while at FMS what the Collection Costs were at the time before it transfer, Interest on Loan was before it transferred, and Principal of the loan while it was first assigned at FMS. Date of First assigned at FMS to the end break down before it was sent off to servicer for financing. I have nothing to break these costs down for my review in the attached letter. Please send requested information to me at your most earliest convenience.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (NY).
Issue: Trouble during payment process

Complaint: My mortgage began to be serviced by Ocwen in XX/XX/XXXX. Before it was transferred it was serviced by AMHSI, American Home Mortgage Servicing, Inc without any problem. When it was transferred it was current and not in default. I received monthly statements and understandable escrow reconciliation statements. When Ocwen took over the problems started. I never received a monthly bill or a payment booklet. If I did not receive an adjusted monthly bill due to an insurance or tax increase I would simply continue paying the same monthly amount. I then would get notices of amounts due with additional late charges. While some of my payments may have been late I know I have made each and every payment and am current. I am sure Ocwen has charges me late fees many times. They often called me or sent threatening letters. Consequently I requested on at least 2 or 3 occasions a list of all charges and payments on my account from the date Ocwen took over my mortgage in XX/XX/XXXX and XX/XX/XXXX of this year ( XX/XX/XXXX ). I was promised this list from the Ocwen representatives on several occasions. If I have such a list I can determine if Ocwen is correct or is mistaken. I have not received this list. Instead on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I received a flurry of letters from Ocwen threatening foreclosure. I have not received an escrow reconciliation or bill so I am not sure of the correct monthly amount. I suspect Ocwen is paid a flat fee to service a loan but it can retain all or the greater part of late fees collected from the mortgagor. Thus it may be in Ocwen 's self interest to create all this confusion. I think Ocwen should be forced to send me a complete statement of account from day one and timely escrow reconciliation statements. In addition they should send a monthly bill with a clear explanation of when a late charge is assessed.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2016 about Debt collection (Medical) with Franklin Collection Service, Inc. (MS).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I called to make payment arrangements on bills that I owe. I spoke with XXXX who states he was a supervisor. I explained to him my financial situation and offered what I could do. He got very ugly and asked why I didnt go get a loan to pay off my medical bills or get a credit card. He asked personal questions that did not relate to the medical bills we were discussing and even brought up that I needed to file my taxes by XXXX XXXX so that I could pay him. I explained some of the things I was having to pay and he told me that paying for a vehicle was not more important than paying his company. I asked to speak with someone else and he would not allow me to. I feel like he was going far beyond what the call was about into my personal business and handled the situation completely wrong. Even after attempting to make payments he said that they were still going to try to garnish my wages and he would get 25 % of my income.

Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2015 about Debt collection (I do not know) with HOVG, LLC (TX).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: This collector would not identify themselves or the purpose of their phone calls in any way until I verified my personal information, which I refused to do. I requested they discontinue contact until they were able to identify themselves, but the phone calls have continued. I was able to XXXX search the phone number, which is how I found out who was calling.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2017 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (HI).
Issue: Billing disputes

Complaint: On XX/XX/2017, I received a letter stating that Bank of America charged me {$1000.00} for a returned check. A couple of weeks ago, I spoke with XXXX on XX/XX/2017. I paid {$1000.00} to cover any outstanding payments for the XXXX statements. I told her since I have a very good record, can you waive the fees. She did. I cancelled the check I sent on XX/XX/2017 for I did not want to pay for double on my credit card. 

When I called Bank of America on XXXX, I spoke with XXXX of New York. I told her what the letter indicated : " Your account has been charged {$1000.00} for the returned payment. Your minimum payment due has been recalculated as a result of the payment .... 

" What you need to do : Submit a replacement payment upon receipt of this letter to avoid additional fees or interest charges, if you have n't already done so. Call us at XXXX to get your revised minimum payment amount and to make a payment by phone. 

She told me that my account has not been charged. I said, it has been - I 'm going on with what this letter says ( See enclosed letter. ) She gave me her supervisor 's name XXXX and his number XXXX. She asked me when will it be a good time to call? I said now. She said he is with a customer now. When is a good time to call you back? I said now. 

The issue has not been resolved.

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 03/22/2016 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: My daughter XXXX insurance is with her dad ( XXXX ) on the day of her office visit she was brought in for a wellness check. While in the process of seeing the doctor she was tested for strap and tested positive so the visit was coded different as a result her insurance covered it and I have paid the account and have been reimbursed by the insurance company so I would like for it to be removed from my credit report. I have contacted XXXX which is the collections company reporting on my XXXX and they have failed to remove this account that was reported in error

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: To All party involve XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX Experian Dispute Department XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX. 

PLEASE UPDATE MY CELL PHONE NUMBER TO MY FRAUD ALLERT { XXXX } XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX ACC # XXXX XXXX XXXX ACC # XXXX XXXX, XXXX ACC # XXXX XXXX ACC # XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, 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 non-monetary relief
Consumer complaint received 08-05-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: There are XXXX accounts on here for a XXXX and XXXX for XXXX XXXX XXXXThe XXXX for XXXX state they are for parking tickets. I do not have any outstanding parking tickets. This information is falseAlso XXXX I have paid anything owed to them already so this should not be listed as well.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2015 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Privacy

Complaint: While checking my personal credit report, which I acquired from XXXX, I noticed an inquiry made by your company " SYNCB/AMAZON XXXX '' on XXXX/XXXX/2014. 

I did not authorize anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ). You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2017 about Debt collection (Private student loan debt) with ECMC Group, Inc. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I was contacted by Alaska XXXX on XXXX in 2015 they informed me that I owned on my student loans. I tried to make a payment plan and they declined stating that the only option is pay the loan, go back to school for deferment, or default. I then told the rep that I was going back to school. XXXX University then sent them a letter to them and all my federal and private student loans stating my enrollment. But shortly after the get a letter from premiere credit stating that my loans are being handled through them. I called to told him them the same issue and they stated that they would handle it. Nothing has being done and when I call they tell me the same thing while this bill is accumulalting fees. Due to my contract I 'm in deferment until I get out of school and it seems that they are n't trying to work with me knowing my situation. I 've tried to communicate with them and they tell me they are handling the issue but the bill are still coming and fees are still accumulating. Please help. I do n't want to own more on loans while I still getting my education.

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 09/29/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have been trying for last 3 years to get a loan modification from Select Portforlio. They have not helped me and set a foreclosure sale date on my home for XXXX/XXXX/2015

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2017 about Debt collection (Other debt) with Perfection Collection (CO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I sign ed into a one year contract ( with my husband ) with a security system company knowing that I was moving in a year. I specifically told the sale sman that. After refusal to give me a copy of the contract and being told I would be emailed it I assumed all was alright.. After a year of having the service and letting the company know that I would be moving, thanking them for their service and that I would not be renewing my contract with them they told me that I had sig ned a 5 yr co ntract initially and that I needed to pay ove r 4,000 to  get out of the contract. They were rude and demanding. They told me to look at the contract and I told them I never received a contract. They then sent me the contract and I saw where the salesman had forged the contract and circled the 5 years part of the contract. I informed them that I never would 've ever signed anything that was over a year and that he forged it after he left the house which is why he did n't leave me a copy. She even said that the salesreps are known for that. The contract was signed on  XXXX / XXXX /  XXXX  . I was contacted  XXXX  that a collection company was trying to collect the  XXXX  and threatening me with a lawsuit and telling me that they would never stop trying to collect. I have tried to get the collection removed from the credit bureaus by disputing the item to no avail. It is keeping me from purchasing a home loan at this point.

Company response to consumer: Closed with explanation