milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/30/2015 about Debt collection (I do not know) with EXPERT GLOBAL SOLUTIONS, INC. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: For the past XXXX plus I have been harassed for a debt that is not mine. They call and ask for a XXXX XXXX, or XXXX XXXX people I do not know. I have told each collector they have the wrong number and to not call again. Sometime this works sometimes not. The real issue is the dept gets sold to another collector and the phone calls start agai. The last person I talked to was NCO Financial Services XXXX XXXX XXXX XXXX XXXX XXXX. They finally stopped calling but a new collector started. In the past I also reported the XXXX XXXX XXXX XXXX. to the State Of XXXX Attorney General they resolved that complaint but calls continue from other collectors. There MUST be a way to stop these calls.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (PA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Hello, I have paid off my loan with XXXX, but currently, have a negative balance on my loan. My balance shows as - {$44.00}, which would mean that I should receive a refund in that amount. Upon noticing this at the end of XXXX, I used the internal email mechanism to contact my loan provider. I received an automated response, but have not, as of yet, been given a response to my inquiry, nor a refund in that amount. I am attaching a screenshot of my balance, as well as the confirmation of my email and the automated response received in return. <P/>Thank you. <P/>Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2017 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: COMPLAINT AGAINST : CARE CREDIT  ( Synchrony Bank ) G ood afternoon, On  XXXX   XXXX ,   XXXX   I got an INTEREST CHARGE ON PURCHASES Date  XXXX  in the amount of {$1300.00} on a card that had  XXXX  {$5500.00} balance owned.   When I called Care Cred it ( card that II h ave had for over 10 years ) I was informed that when I made the purchase, I had a promotional rate of 0 % ; which I was aware of, and that after the promotional purchase, my interest rate ( of 27 % ad up ) would apply ; which I was also aware of. However, they also informed me that I was being charged my full interest based on the FULL AMOUNT OF THE INITIAL PURCHASE, as opposed to how much I CURRENTLY owed ( which was USD {$500.00} or so ).   Every month I make payments over my minimum required payment ( usually the min pmt is USD {$260.00}, so I pay USD {$100.00} to USD {$300.00} over that, to reduce the balances ).   No wonder a balance o f USD  {$6000.00} has not decreased in the past year!   WHA T I AM REQUESTING : 1. Full review  of ALL the interest they have charged on my account since INITIAL account opening ( that would be initial card and then a second   one issued only on my name ).
2. Amendment of ALL interest they have charged me based on initial amounts as opposed to what it was ACTUALLY owned at the time they applied the interest fee/charge.
3. Reimbursement of any over paid amounts based on point " 2. '' listed above.
4. For Care Credit ( Synchony Bank ) to revie  w its slick, fraudulent and outrages practices such as the one I have been subjected to. People like me use these cards as emergency to take care of our beloved pets so we do not have to put them down. People like me always pay on time and above so we continue to have a good relationship with the card and to try to decrease our balances. Which since Care Credit became Synchrony Bank, it clearly taking advantage of in order to keep us in debt.     Thank you for your prompt response and action. We value your  Agency  even though all these crazy people want to get rid of you. As an American, you have my full support and I will continue to fight in order to have your agency around for a very long time.

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 11/18/2015 about Debt collection (Auto) with CREDIT ACCEPTANCE CORPORATION (LA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me instead of my attorney

Complaint: XX/XX/XXXX, I co signed on a car. Later I had to file bankruptcy. Credit acceptance was still sending me letters while I was under bankruptcy. My bankruptcy was n't dismissed until XX/XX/XXXX. I stop working XX/XX/XXXX. I received a citation from the sheriff XX/XX/XXXX. I immediately called the number on the paper to let them know I was not working. I was told when I start working I could set up a payment arrangement. For three years I have been unemployed. I just started working two months ago. I called to set up a payment arrangement, I was told I was garnished and that 's it. I went to the court house they told me credit acceptance never sent me a court date to appear in court. They also lied and told the court I ignored the citation. I have my phone records to prove I called them right after the sheriff served the papers. The citation paper have XX/XX/XXXX for XXXX. The papers that were sent to my job says XX/XX/XXXX for XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2017 about Mortgage (FHA mortgage) with CITIBANK, N.A. (MD).
Issue: Loan modification,collection,foreclosure

Complaint: I have been in constant contact with CitiMortgage regarding a short sale of my home and have been working with a company that is assisting me. Following is a summary : We have direct communication with the negotiator and his name is XXXX XXXX. Previous offer was declined because it was only {$200000.00} and the Buyer cant increase the offer. The offer was terminated and we got a new cash offer from a new Buyer with {$220000.00} offer price. 


XXXX XXXX : New offer of {$220000.00} was sent to Citi Mortgage since they required this amount so that they will accept for the short sale. Offer sent together with Closing Disclosure and Buyer 's Proof of Funds. 

XXXX XXXX : He said that he didnt receive the Closing Disclosure so I sent it the same day together with the vacancy letter that he requested. 

XXXX XXXX : He said it was submitted to a closing negotiator and has 5-10 business days to review. 

XXXX XXXX : Email received from XXXX XXXX ( Liquidation Negotiator ). He asked some Buyer info and other documents which was provided the same day. 

The negotiator is out of office and will be back XXXX XXXX. If I call to the Point to Contact named XXXX XXXX, he will always refer me back to the negot ( R ) iator. He said once the file was endorsed to the negotiator he ca n't do something about it because the Negotiator will be the one who will move the file. 


XXXX XXXX : Below is the email from the negotiator : Good day! 
I appreciate your follow-up. This offer is with the investor at this time. No determination or request has been made yet. I will provide the determination to you as promptly as it is returned to me. Thank you for working with CitiMortgage. 
I follow up on this daily but they reply once every week that is why it was very slow. This was also escalated to FHA HUD via XXXX XXXX ( XXXXXXXXXXXX my information : Name : XXXX XXXX XXXX XXXX XXXX # XXXX Type of loan : FHA loan Lender : Citi Mortgage XXXX XXXX XXXX XXXX. XXXX MD XXXX Can you assist me so that the buyer will not get upset and not buy my house?

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 12/28/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Firstsource Advantage, LLC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: We started receiving calls from Firstsource ADV XXXX XXXX XXXX last summer about debt collection for someone else. I called back on XXXX XXXX, 2015. I told him that they have the wrong number and they were reaching the XXXX residence. In other words, they were calling the wrong person. We were rudely asked " what phone number do you want me to remove '' and we told him. He refused to take the case number ( XXXX ). However they still are calling us, and just called this morning, XXXX XXXX, 2015. We want this to stop!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2015 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (RI).
Issue: Making/receiving payments, sending money

Complaint: Someone opened a unauthorized car policy in my name when my wallet was stolen I also noticed that they have been using my bank account as the funding source I did n't notice at first until my account balance was extremely low I then carefully reviewed all myTransactions an found XXXX transaction for the general car insurance company. I called citizensBank immediately an reported the transactions as fraud then I was advised to contact the general insurance company an report the account as fraud soI did and both companies are doing a investigation. I want my money back because this was unauthorized an this is ridiculous I 'm so XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX   XXXX  refused to provide details about an account they are reporting as charged off on my credit reports from  XXXX .   Report states it was a 39 month lease plus  XXXX  " failure to pay '' for  two  separate months well after lease ended. The  Statute of Limitatiins is long past even based on their reporting and it also is very close to 7 years ago.       XXXX   XXXX  told me I could ONLY get details from a collection agency and stated specifically they refused to provide ANY information ( e.g., copy of lease agreement, type of car, amount allegedly owed, etc. ). The refusal violate s the Fair and Accueate Credit Transactio ns Act.     I have had a few Fords through my life and I have ALWAYS made my all of payments. All of them. I have previously tried to get information from them on the account without success. They confirmed that it was their practice to refuse to provide any details regarding items they have reported once the debt is transferred to third party agency.

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 03/25/2016 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have disputed an item on my Equifax credit report 3 times with documentation and it appears that Equifax is not investigating my credit report because they continue to negatively report inaccurate information. The item in question is a Released Tax Lien that was filed in error, and it should be taken off of my credit report. I have attached documentation received from the California XXXX XXXX XXXX to the dispute clearly stating that the lien was filed in error and Equifax continues to ignore the letter. I have went to the XXXX XXXX XXXX XXXX and provided Equifax with the index and page number of the Public Record XXXX page XXXX and it appears that Equifax is ignoring the supportive information that I am providing. I addition, I have queried the tax liens and my lien is listed on XXXX lines with the first XXXX stating that the lien was released and the XXXX line stating that the lien was filed in error. In addition, the recorders office indicated that they are willing to verify my information to Equifax if they call the XXXX XXXX XXXX XXXX at XXXX. While I have spoken with an individual at Equifax she appeared scripted and refused to let me speak with a Supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2015 about Bank account or service (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (VA).
Issue: Making/receiving payments, sending money

Complaint: I have repeated ACH transactions being taken out of my checking account with Capital One bank. I have opened disputes with Capital One on these transactions but they have been denied. The reason for the denial is that they have a policy that disputes must be initiated within 24 hours of the transaction. Unfortunately I am not able to log in and check my account every day, so my disputes are denied. Some one at a company called XXXX is stealing money out of my bank account, and Capital One will not help me with this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: capital one claims i own XXXX dollars and XXXX dollars on these two accounts i never opened these acounts capital one wont even investigate these for me

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (ID).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Someone had fraudulently opened a personal loan in my name at XXXX XXXX, strictly an online facility. I filed a fraud report with the Federal Trade Commission, XXXX, XXXX and Equifax. XXXX XXXX had me on hold for 4 hours while waiting for their consumer affairs department. After hour 6, a  recording came on saying the phone call was out of normal business hours and to call during those hours. I called the next day at XXXX mountain time. Customer Service connected me to the Consumer Affairs where XXXX took my information and put me on hold for another 3 hours. Finally another individual picked up but would not tell me her name. She finally finished getting my information and told me they do n't send the forms out for 48 hours and that I have 4 days to get the form back to them with a police report number. Day 2 and I have not received any form or correspondence from XXXX XXXX. XXXX Ut Police Department has 230 cases of fraudulent activities from this company. They wo n't except the fraud forms and take the victim of fraud to collections for a loan they did not request. This company is fake, actively seeking anyone for their personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2016 about Mortgage (Other mortgage) with Specialized Loan Servicing LLC (FL).
Issue: Settlement process and costs

Complaint: SLS had requested an additional 45 days to respond basis for the denial of the credits for Tier 2 and/or the Tier 1 denial based on all sources of income, but yet, SLS sent me a modification package due to be signed, filed and entered by XX/XX/2016, which is days before the time they requested to evaluate. 
Please be aware that my loan was a predatory loan approved based on my excellent credit score, originated by XXXX then transferred to XXXX and now SLS. 
The lack of interest from XXXX XXXX and XXXX to evaluate my case and modify, resulted in years of unpaid mortgage payments, which SLS is now adding as 1 final balloon payment to be made at the end of the term, including their attorney fees, after my last mortgage payment is made in 30 years. ( Loan mod. package attached. ) My wish is for SLS to re-examine the loan mod for either further credits on the Tier 2 or a principal reduction and credits consistent with the Tier 1 guidelines, the servicer and the lender will permit the evaluation without compromising the existing agreement. 
Thank you.

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 10/14/2016 about Payday loan () with Big Picture Loans, LLC (FL).
Issue: Charged fees or interest I didn't expect

Complaint: I took a loan for XXXX with this company called Big PIC loans. I knew the interest was high however, I did not know that I would be paying this much. I already paid them XXXX in XXXX biweekly payments. When I reviewed my future payments I have payments scheduled payments through XXXX 2017 for XXXX on an XXXX loan. I made a big mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Account opening, closing, or management

Complaint: I have opened a checking account with Chase bank in XXXX, CA on XXXX/XXXX/16 ... I deposited about {$9000.00}. Then i received a letter from Chase, dated XXXX/XXXX/16, that Chase decided to close my account, suggesting me to wthdraw my money and stop any automatic recurring payments.. The letter didnt specify the reason, i called the phone number on the letter, spoke with the representative, as well as the superviser, however, they didnt give me no explanation regarding why my account was closed ... They said " we have the right to close accounts, with no reason '' .as a customer, i need to know why? Please help me to clarify.

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: XXXX XXXX performed an-unauthorized inquiry on my credit. The inquiry was performed as prescreening and does not impact my credit.

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 03-11-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: XXXX XXXX was reinserted from a previously deleted dispute. This is the second time this has happened. We won our dispute with transition and you keep putting the negative information back on.

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 10/25/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (IL).
Issue: Loan servicing, payments, escrow account

Complaint: I had made mortgage payments to Ocwen Loan Servicing for the past 3 years via their automated phone pay and in return I would receive a confirmation number. However, beginning XX/XX/XXXX Ocwen did not withdraw the money from my bank account. Believing that this was a mistake and they would get it corrected I made my XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX payment the same way which also was never withdrawn. In the meantime, I had started proceedings to have my home refinanced through my local bank. I then requested a payoff balance and was given a figure to which my bank wired the monies to Ocwen. XXXX days later the wire was sent back stating that it was short and they filed for foreclosure of my home for non payment. Not once during the length of this loan did I ever receive a statement, notification of non payment nor a phone call in regards to this matter. Needless to say it became a very grueling task to get this companies cooperation. After almost 3 months we were able to get them to give us a payoff amount which included unfair foreclosure fees

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2017 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: My complaint is with Equifax. I 've reached out to Equifax customer services and more than four times regarding unauthorized hard credit inquiry reflecting on my credit file. I was advised to contact the company and advised them to remove the inquiry ; however, when contacting the company they did not see the inquiry on their end nor did they have account information on me. When calling Equifax back the representative informed me she could/would not be able to assist me and I would have to simply wait it out and let it fall off. Unauthorized hard inquiry is XXXX made on XXXX/XXXX/2016. I 've informed the rep of this information and she still declined to assist me. I asked for a supervisor and was placed on hold and eventually hung up on.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Dear sir or madam, I am a victim of identity theft, The information listed below which appears on my credit report does not relate to any transactions that I have made, it is a result of idenity theft, idenity items from from idenity theft should be blocked. Please block this information from my credit report pursuant to section 605B of the fair credit report act and send all information to all furnishes of this information, a copy of my police report is included, Police report # XXXX

Company response to consumer: Closed with explanation