milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-12-2015 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Credit card protection / Debt protection

Complaint: I opened an card account wit Walmart in XXXX. I made my payments loyally until I lost my source of income in XXXX. When I learned I would be facing financial hardship I called Walmart Card services ( also know at the time as ge Capital ) and informed them of my circumstances and that I needed to activate my ( i.e enable ) the credit card protection program but was told that I was ineligible because I did n't have a job or by their logic a way to keep up my payments which is the reason I contacted them to being with. Thus I paid for a service I was never able to use. Somewhere along the was my account was sold or transferred to synchrony bank. So I attempted to call them after being harassed at work, at home and anywhere else I had access to a phone to resolve the debt set up a payment plan. I literally spent hours calling 'synchrony bank ' which is customer service for the card. Every single time I called I got the same automated response saying, " I 'm sorry we are not taking calls at this time. '' I called at least XXXX different phone numbers I had located for customer service and every number sent me back to that same message. I was only able to get through by contacting the fraud department ( after being on hold for over XXXX minutes ). I was then transferred to a line of synchrony bank that FINALLY PICKED UP. The man then proceeded to tell me that my account had been sold to a collection agency. He could not provide me the date this happened, or even the amount I owed. I ended up utilizing my free credit report from XXXX to see what company was reporting debt on my credit profile and saw tat my Walmart/synchrony bank/ge capital card ad been sold to XXXX. So I disputed the information reported on my account for the reason tat my original payment/hardship plan was supposed to take over payments for my card but never did. Now I am strapped wit a debt that should have been taken care of by a hardship/payment plan and that was sold without my knowledge or consent to a company that refuses to compromise with me. I am trying to et my life on track and was accepted into rad school but part of my aid package was denied because of adverse credit history reported by these companies. If synchrony/ge bank, XXXX and Walmart were never willing to work with me to repay my debt I am not sure how I was supposed to clear up this mess. There is no way I owe as much as XXXX is reporting if a program that was supposed to help me should have taken over the payment for my card until I got on my feet.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with MRS BPO, LLC (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I was first made aware that I had an outstanding debt with " mrs BPO '' entity when it first appeared as a derogatory entry reflecting an outstanding debt of {$830.00} ; and after extensive research and number out calls I was made aware that this is an entity owned by and/or affiliated with XXXX XXXX XXXX. I then called XXXX approximately 8-10+ times over a period of 4 weeks, with each call having spent in excess of 30-90 minutes per call ; each time ending the call with a different promise from each representative that I spoke to confirming that they would be researching the debt, and getting back to me with a resolution. Despite these promises on numerous, separate accounts, I never received any follow up- by phone, email not by US mail to validate the debt. The only information that I was given during one of my initial calls with XXXX was that their claim appears to reflect an amount outstanding for equipment that was not turned in following the termination of my cable contract with them dating back to 2011 ; to which I made it clear that I was 100 % certain that I did in fact turn my equipment in at the earlier date to which they were referring. My issue with them notwithstanding their dishonestly and lack of cocern and follow up ; was that I wqs Never informed by any Means ( phone email not US mail ) of this alleged debt, and the first instance was almost 5 years following the date of their claim on debt, never once by the entity themselves ( XXXX or under the Alias mrs BPO ) ; but only on the instance in my credit report

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 02/14/2018 about Checking or savings account (Other banking product or service) with BB&T CORPORATION (AL).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: The Directors of XXXX XXXX XXXX XXXX XXXX XXXX XXXX took our Account from USDA and refinanced it with BB & T Bank XXXX, Alabama. The Articles of Incorporation state that notice is to be mailed out to the members of the Cooperative and the members are to vote at the Annual Meeting or Special Meeting. Notice was not mailed out and we, the members were not asked to vote. On Monday XX/XX/18 I took the articles of Incorporation to the XXXX Office, and they faxed them to the XXXX Office. I have had no response from this and I know they were suppose to provide the minutes from the meeting showing the members had voted to change this loan.

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 07/17/2017 about Debt collection (Credit card debt) with Webcollex, LLC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I am filing this complaint because CKS Financial has ignored my request to provided me with the documents that their company has on file that was used to verify the account I disputed. Being that they have gone past 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to promptly delete all information which can not be verified that I have disputed. Please resolve this manner as soon as possible. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Billing disputes

Complaint: On XXXX/XXXX/XX/XX/2015 at XXXX a recorded conversation was started between myself and a customer service rep from Bank of America XXXX At XXXX point she had a supervisor there asking questions and providing answers. The phone call was recorded and was over XXXX minutes in length. After months of calls, this representative was helping me. She said that if I made an additional payment of {$23.00} ( details are on the phone call ) that she would waive the late fee for XXXX that was placed on my account because I was XXXX day late. As an aside, I have not received paper or electronic statements from Bank of America in quite some time. Because I have been calling to dispute the late charge for months and only paying the previous minimums due ( {$25.00} ), Bank of America kept adding late fees and past due amounts. ( They added a late fee for XXXX, in XXXX, because I did n't pay the late fee, the considered the XXXX late fee a past due amount, and another late fee ) On the phone call with the representative and supervisor on XXXX, the was an agreement made to resolve the issue. They agreed on a recorded line that if I paid an additional {$23.00} ( I already paid the minimum of {$25.00} ) that day ( I did and have proof ) that they would waive the late fee for XXXX. This meant and they agreed that there would be NO late fee that carried into XXXX and therefore no past due amounts or subsequent late fees because I had made been and kept making the minimum payments due on time. After hanging up and making the payment, Bank of America NEVER made the changes and returned my account to " in good standing ''. They LIED. I called to complain and went into a branch as recommended a long time ago but a credit card rep of bank of america to launch an official complaint. Bank of America has refused to pull the phone call and do what was agreed upon. They are still charging my account with past due amounts which should not be there. They are also ruining my credit. I do not owe additional hundreds of dollars for being 1 day late and yes, I have proof that I made payment 1 day after the due date.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: It came to my attention on XXXX XXXX, 2017 that Equifax experienced a databreach. In order to check if my SSN was compromised, the site they are endorsing is requiring that i waive my right to file a lawsuit against them before I know whether I am affected. The website they are using is obviously a third party domain name which itself is extremely sketchy and uses third party security certificates which is terrifying from a cyber security standpoint. I dont even know if my last 6 digits of my SSN are actually being sent to equifax or a third party company hired to handle this breach. it 's not difficult to guess the first 3 digits, thats only 100 different combinations of single digit integers 0-9. The leak happened a month ago, but they didnt make a public statement until now. There is so many things that seem off and I dont know what to do right now. The solution they have is to offer a typically paid service to protect my identity for free for a year, but this data breach will effect my SSN for the rest of my life! How is this even fair???

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: My problem is with Experian regarding my FICO score. I/we always have excellent FICO score. From XX/XX/XXXX to XX/XX/XXXX, our score ranged between XXXX to XXXX. This XX/XX/XXXX we paid off our mortgage loan and my FICO score took a huge dip to XXXX with absolutely no other changes in our financial situation. I called Experian and complained about the much lower score and wanted to know if the score is going to keep on falling. Experian 's response was yes, it was because I paid off the loan. Yes, the new lower score would adversely impact my ability to get a most favorable loan rate. Yes, the situation does not sound reasonable. No, there is nothing that can be done and no she does not know when the trend will be reversed and would I be interested to view their web site for some educational material regarding credit? Totally ridiculous response. <P/>We are in the process of buying a retirement property and I find this situation completely unacceptable .... why is it that we need to be in debt in order to be judged as better credit risk? It is illogical and it makes no sense. <P/>I hope you can help us.

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 10/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CL HOLDINGS LLC (SC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Ive spoken with XXXX XXXX about two years ago about this incorrect account on my credit and Ive provided information to them to advise of this incorrect information and theyre still reporting this item and hurting my credit. I am unaware of this item, and then it now shows that the item opened on XXXX 2016 when it was reported well over 4 years ago. They are reporting incorrect information, which is against the law, if we cant get this issue resolved within the next 30 days I will be hiring an attorney and filing suit for the continuation of wrongfully reporting inaccurate information on my credit report, which is causing me to not be able to move forward in my home buying proceeds and its causing great steer on me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/19/2017 about Bank account or service (Checking account) with CITIBANK, N.A. (NH).
Issue: Account opening, closing, or management

Complaint: I signed up for a Citibank Interest Checking account because they were offering a {$400.00} cash bonus. The terms of the bonus were as follows : must deposit {$15000.00} within 30 days of account opening and must maintain that balance for 30 days. The bonus would be paid within 90 days of meeting those terms. 
I transferred in {$15000.00} on XX/XX/XXXX Met 30 days criterion on XX/XX/XXXX ( balance never dropped below {$15000.00} ) Met +90 days criterion on XX/XX/XXXX I 've tried calling Citibank several times since then to get them to post the bonus to my account and have been met only with promises to investigate the issue further. The representatives I 've spoken with have confirmed my eligibility for the bonus and seem as perplexed as I am as to why I have not yet received it.

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 10-09-2016 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Demanding A Credit Bureau Investigate Confirmation # XXXX To Whom It May Concern : I recently submitted a request for investigation of the following Acct Numbers : XXXX XXXX BAL. {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BAL. XXXX These account have not been verified accurate please delete. These XXXX accounts are in dispute with the original creditor error please delete accounts. 
All of these accounts which you DECLINED. I sent info for XXXX or agent of XXXX to carry out a reasonable investigation of my dispute, since it was never done please investigate this account thoroughly. If you had investigated it completely, no XXXX system thank you, you would have known, that not only I have never been late on this account ; but that I am not sure if some of these account are even mine - though your company claims to have " verified '' this. XXXX vs. 
XXXX, XXXX vs. XXXX ( XXXX ), and XXXX vs. XXXX, Equifax, et al, the courts ruled each and every time that the CRA could n't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form through the XXXX system that does not even contain my reasons for the dispute is not reasonable.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Media Collections, Inc (IN).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: COLLECTOR FAILED TO VALIDATE DEBT AND HAS REPEATLY CALLED MY WORK AND CELL NUMBERS IN VIOLATION OF FCRA, FDCPA AND TCPA.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-06-2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Experian continues to report a fraudulent & unverifiable account on my credit report. XXXX XXXX XXXX should be removed from my report. I 've disputed this account numerous times with Experian, requested the method of verification & additionally sent a XXXX letter to the data furnisher requesting a signed contract/agreement. Neither the data furinsher nor Experian have provided me with a signed contract of my obligation but they continue to claim this has been verified. When reviewing my file here are some facts which question the integrity of their investigation. The address linked to this account is n't even listed on my credit file. I 've requested the XXXX XXXX XXXX account be removed 3 times but they continue to verify it. Secondly, when I ask them to verify it they always pass the buck & say it 's the data furnishers responsibility to update their records. This public information which is damaging my name & reputation & I 'm unable to get any financing due to the nature of this issue. This matter is also causing unwanted emotional & financial stress & I 'd like this unverifiable account removed immediately. If Experian continues to claim they 've verified this account again without a deeper investigation I will be filing a lawsuit for violations of the FCRA. Please resolve 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 explanation
Consumer complaint received 11/16/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (NJ).
Issue: Trouble during payment process

Complaint: On XX/XX/XXXX I received a notice from Mr. Cooper,  who had taken over my mortgage loan # XXXX from Nationstar that I owed an escrow balance of {$2500.00}. Upon calling, ( and being switched to numerous agents ), I was told that this was due to homeowners insurance escrow. I have never paid my homeowners through my mortgage. I was told they had 30 days to research this. I just received a letter, datedXX/XX/XXXX, stating " as per my refinance on XX/XX/XXXX with XXXX, the insurance is automatically added when a refinance is done. That may have been but it was quickly removed. When Nationstar took over the mortgage, they added it and once I called, they removed it. Now I have spoken to numerous agents who misdirected my call, gave me a wrong # XXXX and hung up on me. 
I tried again today and spoke with, XXXX, XXXX, XXXX and finally supervisor, XXXX # XXXX XXXX, who informed me that before they can remove the homeowners, which was not there when they took over, I have to pay them what they are saying is in arrears. I have spoken with XXXX at my homeowners insurance co. and they are currently paid in full until XX/XX/XXXX. This is a travesty. Does the consumer no longer have any rights in the banking world. Why should I need to come up with over {$2000.00} for a mistake that they made? Is it the law that banks can buy your mortgage and revert back to an error and the consumer has to pay for it? Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2017 about Debt collection (Medical) with AmeriCollect (WY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Americollect is not sending the information that I 'm requesting to Validate the debt they are not sending me a copy of my signature with the provider of service to release my medical information to them. That 's means the debt can not be validated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (PA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: My name is XXXX XXXX and a mortgage was fraudulent taken out in my name when I was XXXX XXXX XXXX. In XXXX my grandmother was battle stage XXXX XXXX XXXX, and signed the deed of our family home which was paid for in XXXX to me in XXXX. My grandmother XXXX to her illness in XXXX. 

In XXXX a second mortgage was taken out on the home by XXXX XXXX XXXX owned by XXXX XXXX. At the time I was XXXX XXXX XXXX. To produce this FHA Mortgage fraudulent pay stubs, XXXX, and identification was submitted to open the mortgage. In XXXX XXXX XXXX was convicted on XXXX counts of massive mortgage fraud. Borrowing others identities and producing documents the same way he had done me. 

In XXXX the Mortgage was purchased by Wells Fargo without investigating the origination. In XXXX the home went into foreclosure. Wells Fargo tried to force me into a modification although the mortgage was fraudulent. After submitting a fraud packet, verification of birth, social security number, state identification, and school records ; Wells Fargo determined the mortgage was valid ; despite the fact the name, Birthday, and documentation are incorrect and are perusing a sale on XXXX XXXX, XXXX. 

I have attached supporting documents as well.

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 10/20/2016 about Mortgage (Other mortgage) with JPMORGAN CHASE & CO. (LA).
Issue: Loan servicing, payments, escrow account

Complaint: My house was flooded during the recent Louisiana floods. I was not required to carry flood insurance but I did so anyway. I received a check from my insurance for $ XXXX, but was told by Chase insurance I would have to provide a contractor 's license before they would release any of the funds. I work for the largest home builder in the state and am very aware of the laws. In the state of Louisiana anyone can build there own house as long as they do not exceed one house a year. I told this to them numerous times and provided documentation. After weeks of battling over this, they agreed and cut me my initial $ XXXX check. Approximately a week later I receive a denial letter, when I call to check on it I am told that I would need to register as a home improvement specialist in order to receive the remainder of my funds because the work is over {$7500.00}. I called the state licensing board who said the documents were read incorrectly by Chase and that the {$7500.00} requirement is for people who are going to do work on other people 's homes. I called Chase once again and relayed this info and after working my way up the ladder it was resolved. As a matter of fact I was told by XXXX XXXX, a supervisor, that Chase did n't have a leg to stand on in fighting my claim. I once again thought it was resolved. A week later, today, I was told that my request to self contract was rejected and to receive final funds I would need to register with the state ( who once again claims that is false )

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ONEMAIN FINANCIAL HOLDINGS, LLC. (MO).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: XXXX XXXX Called friends ; told them this was my last day to pay and threatened my account would be " sent to the courts ''. I called XXXX XXXX. Told them I could not pay. I told the rep I was on the road and that I would call later. They kept pressuring me to set up a payment plan. Because I was in a dangerous position ( driving ) I agreed to a payment plan I can not execute. I provided them with banking info. This plan was obtained under duress by XXXX XXXX.

Company response to consumer: Closed with explanation