milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/20/2015 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Dear CFPB, I have received a response from XXXX concerning XXXX inquiries on my credit file. As per their response, XXXX XXXX, 2015, there should be only XXXX inquiries as per their records show. The CRA 's are reporting false information that is hurting my creditworthiness.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-12-2016 about Debt collection (Non-federal student loan) with Central Portfolio Control Inc. (NV).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Call from XXXX XXXX for a debt from a college in California. Told him ok let me make a file for him and his company so I know how much and who I need to get ahold of. Got his name, phone number but when I asked for his mailing address he started getting hostile. Talking over me. and REFUSED to give me a mailing address. He threatened that he would take everything I own if I did n't pay. I told him I was recording and he hung up on me. The number he gave me XXXX is a fake number. 

I called back on XXXX, the number my phone picked up and it went straight to him. He did not answer as Central Portfolio Control.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (KY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I recently received this letter from this company informing me that I owe them money, to my knowledge this company has never provided me a service and neither have I entered into a contact with them to pay them for said services

Company response to consumer: Closed
Consumer complaint received 09-07-2015 about Credit card () with Continental Finance Company, LLC (FL).
Issue: Closing/Cancelling account

Complaint: The credit cards was NEVER RECEIVED I informed CONTINENTAL FINANCE..they were supposed to cancel the card.. but they reported a delinquent amount with the credit bureaus.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2017 about Credit card () with BARCLAYS BANK DELAWARE (NY).
Issue: Billing disputes

Complaint: In XXXX, 2016 I prepaid to XXXX for 1 year personal training using my XXXX credit card which was issued by XXXX. Later that month, Barclay took over the XXXX card and the total ( XXXX ) was paid to Barclay. In XX/XX/XXXX, the personal training company ceased operation - they disappeared from my location, but are still in business elsewhere. I initiated a dispute for the approximate remaining {$1300.00} with Barclay and received a form letter dated XXXX, 2016 ( here attached ) responding to the disputed charge, and stating that I should allow 60 days for them to pursue the issue with the merchant. I have contacted them over 25 times - have spoken to " supervisors '' and have been told that my case has been highly " escalated '' to the " Bank ''. They do not allow communication with any higher ups, and after 9 months, there is absolutely no resolution in sight. They tell me that the situation is complicated as the charge was made when the card was with XXXX, but I have no recourse with XXXX, as it is now Barclay. This should not be my problem - the XXXX companies should work this out. I paid Barclay as evidenced on the attached credit card bill. 
This treatment of a loyal customer is outrageous. I need help dealing with this disaster!

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 07/28/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: XXXX XXXX XXXX my ex wife used my social security number and ruined my credit without my knowledge of her doing so.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2016 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (AL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: In my experience with this company they have done the following items : Threatening a lawsuit and other legal action Improper contact ( such as calling late at night or at work, frequent / repeated calls, or contact after the consumer had asked the company not to call with written letter mailed stating clearly to do not contact ) Disclosing the existence of the debt to third parties and knowledge of other debt Continuing to attempt to collect debt that was not owed or that had been paid. 
Made arrangement to pay off prior debt, Close and remove debt for credit history Failed to compete their end of the settlement Failure to accept payment arrangement on multiple occasions

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 10/20/2015 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (MI).
Issue: Loan modification,collection,foreclosure

Complaint: I am the XXXX for the homeowner of a property at XXXX XXXX, XXXX, MI XXXX. Ocwen holds XXXX mortgages with and there is a XXXX mortgage withe the state of Michigan. I have submitted all required documents to Ocwen to gain an approval for the a short sale and Ocwen provided me an approval, however the approve left off the XXXX lean to the state of michigan. I submitted request XXXX lean required information and Ocwen keeps telling me that it is not acceptable. I ask them over and over what they want me to send and when I send it they continue to ask for the same document over and over that I keep submitting. I have been working on this file since XXXX 2015 and it has been a difficult task every step of the way with Ocwen.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2016 about Credit card () with SYNCHRONY FINANCIAL (NJ).
Issue: APR or interest rate

Complaint: I went to the doctor and I did n't have insurance, and so they unwillingly signed me up for care credit. I AM NOW BEING CHARGED ALMOST XXXX DOLLARS IN INTEREST FOR A CARD THAT I did not agree TO OPEN.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05-06-2015 about Credit card () with BARCLAYS BANK DELAWARE (FL).
Issue: Credit card protection / Debt protection

Complaint: I noticed a charge on my credit card that did not belong to me last XXXX 2014. I contacted Barclaycard to file a dispute. I was told they needed 30 days to investigate the charge. I received a letter 30 days later stating the charge was valid and that the merchant showed a receipt for this transaction. I contacted the merchant after receiving this receipt to question this order number. I found out that my credit card number was used on this order but was linked to someone else 's account and delivery address. I then contacted Barclaycard again and they started a new fraud investigation case and I was told to wait another 30 to 45 days and up to 120 days for an answer. I recently received another letter saying the charge was valid with the same attached receipt and was told that because I had done prior business with this merchant that this charge would never be considered as fraud. I was also told that I should never open a fraud case if I have done any business with a specific merchant before.If I wanted a refund that I would need to wait for the merchant to refund the money to Barclaycard prior for them to adjusting my account. As a XXXX XXXX I should be protected with XXXX XXXX Liability Protection and should not have to liable for the fraudulent charges that I did not make, nor should I have to constantly call and get transferred to different departments without getting any results.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 10/16/2015 about Student loan (Non-federal student loan) with TRANSWORLD SYSTEMS INC (CA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I work at a XXXX, when presented with an opportunity to further my education and advance in my department in 2006 I enrolled in a XXXX college in XXXX XXXX, CA to do so. I applied for what I understood to be a Federal Loan via the internet in order to support my self, wife and ( at the time ) XXXX children. While in the program I would not be able to work as many hours in order to attend school and would have XXXX to perform. Unable to finish the program due to a medical condition with XXXX I was forced to return to my previous position and lacking the ability to repay the loan properly. My family has since after a very long and hard decision filed personal bankruptcy two years ago attempting to make a fresh start and going back to what we thought was ground zero. We now find ourselves below zero with the current garnishment from XXXX XXXX XXXX XXXX. I was first made aware of the garnishment as I received papers from my HR department notifying me of the garnishment. The papers were never received by myself at my place of residence nor was I personally contacted by XXXX XXXX XXXX XXXX and XXXX in an attempt to negotiate with us. The impending garnishment on my check will in fact force us to move as my income pays our rent for myself, wife and now XXXX children. Only any additional money my wife makes puts food on the table, gas and utilities etc. We consider ourselves responsible people and arrived at the decision of our personal bankruptcy very arduously and after a great prayer and consideration. Only after discovering the loan with XXXX XXXX XXXX XXXX was NOT Federal and that there is seeming absolutely no recourse as a consumer we are simply at a loss. I feel we will be in indentured servitude for the unforeseeable future as we have explored any number avenues with no foreseeable avenue for a solution. My mother lives locally and is reaching an age where she will need care limiting our options of moving to a less expensive area of the county, in addition I am reluctant to leave my current employment as it has excellent medical benefits and my children as well as my wife have immediate medical needs which our plan covers completely. My child is enrolled in resource at her school with a XXXX and i am reluctant to changer her environment as well thinking of her future. If I were to loose medical it would be disastrous. I am simply at a loss and need help. I am not one to evade responability but feel not all of the lending practices exercised here were forthcoming and upfront or conducted properly. I ask for your scrutiny in this situation as I have already sought legal help which again was fruitless. Thank you for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2015 about Consumer Loan (Installment loan) with SYNCHRONY FINANCIAL (TN).
Issue: Taking out the loan or lease

Complaint: I received dental procedures and the office manager explained how much it would cost and advised that my insurance would pay for the majority of the procedure given. I only received a XXXX and a XXXX, which cost almost {$10000.00}. It was my understanding that I only needed additional money to complete additional XXXX services, therefore, I was advised to sign up for Care Credit. I really did n't understand the way it was explained to me and the office manager called my mother over the phone to co-sign. The way it was explained was too complicated and not easily understood by me or my mother. I thought that the Care Credit would only be used for future XXXX services, but come to find out that not only was all of my health insurance benefits used, but also the full balance of the Care Credit card. Now, my mother and I have a judgment on our credit for the full balance of the Care Credit card, because I could not afford the payments and I was sued. I did n't understand how much the payments would be, nor the total amount that would be used. The office manager never gave me a copy of the documents either.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2015 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (IN).
Issue: Fraud or scam

Complaint: I currently have a rush prepaid account. They guarantee you receive u money two days early and nothing has been posted to my account. I was locked out my account and hung up on enormous amount of times. I currently live pay check to paycheck and can not afford this inconvenience at the time. I call my hr department at work but they said it has already been deposited. I will be canceling my card once I receive my money. They could n't even tell me where my money was since the check is deposited but not in my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/27/2018 about Student loan (Federal student loan servicing) with GREAT LAKES (SC).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I am writing because I am concerned that my student loan payments while with Great Lakes will not be counted toward public service loan forgiveness, even under the new Technical Corrections Act ( HR 4399 ) that was passed as part of the omnibus spending bill. Because Great Lakes consolidated me into FFEL loans and I never received information about direct loan consolidation options or how FFEL would limit my eligibility for PSLF, I am five years behind on my pathway to PSLF. I made {$18000.00} in payments that will, essentially, not count toward anything in the end, because I was in the wrong kind of loan. I had hoped the Technical Corrections Act might remedy this situation, but now I am learning that it will not. My payments would have counted under this new program if I had been in the right kind of loan, but I was not made aware of these issues.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2015 about Debt collection (I do not know) with Conn's, Inc. (TX).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: Cons Managed called me at XXXX XXXX/XXXX/2015 on my private cell number looking for a XXXX XXXX . I informed the caller that I did not know a XXXX XXXX and that they were calling me at my private number and needed to stop. The caller told me thatthey could not take me off their call list and then I demanded to speak to a manager. The caller told me that his manager was standing next to him and that she did n't want to talk to me. I informed them that I would report XXXX, TX Cons Managed at : XXXX XXXX XXXX that I would report them for harrassment.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2017 about Credit card () with Alliance Data Card Services (CA).
Issue: Customer service / Customer relations

Complaint: On Friday, XX/XX/2017 I requested a copy of my Cardholder Agreement from Comenity Bank, which issued my XXXX XXXX Visa Card. On Sunday, XX/XX/2017 I received a response which read in total : " Thank you for your recent inquiry to our Customer Care Department. 
Comenity Capital Bank issues your account and responds to all credit related inquiries. This card is issued by Comenity Capital Bank pursuant to a license from XXXX XXXX XXXX. 

I will be more than happy to issue out a credit card agreement to you. 
Please allow up to ten business days to receive it. 
We appreciate your business and your loyalty. 
We hope this information is helpful. For the security of your account information, we ask if there are any follow up questions you have related to this concern, please click on the reply button. 
Sincerely, XXXX XXXX Internet Customer Care Team '' I have not yet received the agreement, and it is not posted on the card 's website as I thought was required, nor is the agreement in your database. Please help me obtain this important information! 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (VA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have some various inquiries in my credit accounts. All 3 : XXXX, XXXX, and XXXX. 
I am trying to sign up for a mortgage, so I need to fix my credits. 

XXXX XXXX - Inquiry from XX/XX/XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. The confirmation number of the inquiry with XXXX XXXX is : XXXX. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. 


XXXX XXXX XXXX, XXXX XXXX - Inquiry from XX/XX/XXXX I have no recollection of this inquiry. I contacted XXXX, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. 

XXXX XXXX XXXX - Inquiry from XX/XX/XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. 

XXXX XXXX XXXX - Inquiry from XX/XX/XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. 

XXXX XXXX XXXX - Inquiry from XX/XX/XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. 

XXXX - Inquiry from XX/XX/XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. I have a long-standing account with XXXX. I dont know why they ran my credit again.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2016 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (CO).
Issue: Loan servicing, payments, escrow account

Complaint: I have a mortgage with Ocwen Mortage. Two years ago they defaulted me on my loan and charged me fees because I supposedly was behind in payments. It took months and an attorney for Ocwen to finally admit that they made a mistake. They never corrected the mistake or send a correction to the credit reporting bureaus. Now Ocwen is once again defaulting my loan alleging that I am two months behind in my mortgage. My attorney once more supplied Ocwen with 24 months of my bank statements evidencing that all payments have been timely made. Ocwen is going forward with a foreclosure proceeding. It is impossible to reach anyone at Ocwen who can fix this situation. This is twice in three years Ocwen has made the same mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with The CMI Group, Inc. (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Credit Management is collecting a debt that I do not owe. I paid this debt to XXXX XXXX XX/XX/XXXX. Credit Management has it on my file from XX/XX/XXXX. This is outside of the obsolescence time frame for staying on my bureau. 

I called Credit Management today and they said they do not even have the account in their office. They said it was " withdrawn '' by XXXX XXXX ... yet it continues to be on my credit files.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (KS).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax has leaked my information in nation-wide data leak. I believe they improperly delayed the disclosure of the event. They neglected to take the proper cybersecurity precautions. I believe that they are technologically incompetent for the following reasons : 1 ) Lack of third party security audits 2 ) Creating a whole new domain with a completely different certificate authority signing it just to relay important information. This has prompted many fraudlent other domains with the words " equifax '' " XXXX '' and " security '' to be created that will no doubt be used to further defraud its customer base. 3 ) Equifax lacks the modern infrastructure to manage such a large amount of important data.
Additionally I believe they completely mismanaged the situation. XX/XX/XXXX they were alerted to the breach. They did n't even get their new domain signed ( SSL cert ) until XX/XX/XXXX. Why did it take them over a month to begin notifying users? Why did n't they immediately email or mail their affected customers? Why does it become the consumer 's responsibility to go check if they leaked our information?

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2016 about Debt collection (I do not know) with Focus Holding Company (IL).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: I received a call on my work number from Focus Receivables Management on a file # XXXX. Focus Receivables Management was not authorized to leave any messages or call this number. I did return the call asking who this company was looking for and indicated this was a place of business - they should not be leaving messages or attempting collections here.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2015 about Mortgage (Conventional fixed mortgage) with Residential Credit Solutions, Inc. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX XXXX XXXX sold our mortgage to Residential Credit Solutions based in XXXX XXXX, Texas, after a 5 year fight in court under Bankruptcy. A modification was done and accepted. The terms and payment schedule was set and agreed to by all. RCS, is coming back now and charging us for what they called un-applied funds which are 2 months of regular payments. I 've submitted documentation showing all payments have been done per the terms. They are threatening us with acceleration to foreclose our mortgage. And they 're not accepting our regular payment. I think they 're practicing unfair business practices since we 're XXXX. We want to work with RCS and resolve this issue and for them to stop the threatening letters. By not accepting our regular payment, I believe they 're forcing us to be even more delinquent by adding more penalties and reporting us being more than 60 days late. Which in my opinion is totally false! ... We need desperate help!

Company response to consumer: Closed with explanation