milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/19/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (WA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I was exercising my rights as a consumer by requesting appropriate documentation verifying XXXX accounts from Portfolio Recovery. After several attempts over the course of 30 days, they failed to do so. Portfolio Recovery recently has been involved in legal matters regarding allegations of violation of various laws including the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2018 about Mortgage (Conventional home mortgage) with FREEDOM MORTGAGE COMPANY (MD).
Issue: Trouble during payment process

Complaint: My name is XXXX XXXX and my mortgage was transferred from XXXX to Freedom Mortgage XXXX XXXX of XXXX and somehow the property tax for the XXXX XXXX of XXXX was not paid by Freedom Mortgage. When I came to know about this in XX/XX/XXXX, I faxed the property tax bill ( for a property tax of {$3300.00} which included {$220.00} as interest/penalties if paid in XXXX ) and have been checking at least once in 2 weeks and all I got the response from them is they are working to pay it out. First I was told it will be settled by end of XXXX On reaching Freedom Mortgage over the phone as it was not paid in XXXX, they said it will be settled soon. I got a letter from XXXX County that the property will be put up on sale if the taxes are not paid. Again on reaching Freedom Mortgage over the phone on XX/XX/XXXX, the representative noted, it will be settled on XX/XX/XXXX ( now the property tax with penalty increased to {$3400.00}. {$270.00} as interest/penalty ). To my surprise, the property taxes were not paid on XX/XX/XXXX. I called the XXXX county office and they confirmed that the taxes are still not paid. I called Freedom Mortgage again on XX/XX/XXXX and even talked with a manager of Freedom Mortgage and he noted that it will be settled and I will get a call from Freedom Mortgage. No call received from Freedom Mortgage and I am completely blindsided as what is happening. To ensure I am on the good books of the government, I am planning to go to the XXXX County office and remit the Property Taxes directly on XX/XX/XXXX. 
I feel that I and my family are getting stressed out for something which we should not be worrying and as a customer who has paid all the mortgage payments for the last 5+ years on time, facing such an issue is something which could have been avoided by Freedom Mortgage on time if the correct process were in place for analyzing customer complaints. 

Property Tax bill attached Note : I have given authorization to my husband " XXXX XXXX '' to talk with Freedom Mortgage on my behalf and he has been talking with Freedom Mortgage with regard to paying the property taxes which are due.

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 07-01-2016 about Credit card () with DISCOVER BANK (MA).
Issue: APR or interest rate

Complaint: I have XXXX 0 % promotional loans on my Discover Card with differing amounts and end dates to promotion period. I want to pay them off and avoid the 20 % interest after promotion period. When I could not find the loan amounts and promo period dates on their website or my statements, I sent an email. As you can see from the attached message string, Discover refuses (! ) to provide me with this information. I find this hard to believe its even legal. Please help.And thank you for the great work you do!

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: The following are incorrect inquiries on my report. I did not authorize these. 

XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 explanation
Consumer complaint received 04-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX SSN : XXXX XXXX XXXX XXXX XX/XX/1983 Experian XXXX. XXXX XXXX XXXX, TX XXXX According to the Fair Credit Reporting Act, you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately. 

Name of Account Account Number Provide Physical Verification Creditor 1 XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Creditor 2 ( XXXX ) XXXX Creditor 3 Creditor 4 Creditor 5 Creditor 6 Creditor 7 Creditor 8 Creditor 9 Creditor 10 * Please remove all non-account holding inquiries over 30 days old. 

Thank You, 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 explanation
Consumer complaint received 12/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2017 about Checking or savings account (Checking account) with TCF NATIONAL BANK (IL).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: I opened the account over telephone through a personal banker. During the phone call, the banker applied a special offer where I was to receive a {$250.00} bonus upon completing the terms of the offer. The terms stated that I had to do one of the two following things : 1 ) Receive direct deposits totaling {$500.00} or more OR 2 ) Make at least {$250.00} in debit card purchases I completed the {$250.00} debit card purchase on XX/XX/XXXX which was within the 60 days of account opening.
It is nowXX/XX/XXXX, and I have not received my {$250.00} bonus. I 'm sure that all telephone conversations are recorded and, as such, I demand that the terms of this offer be honored.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: There is a public record on my credit report being displayed as tax lien. This is being displayed inaccurately. I was on unemployment and there was a wage garnishment placed to repay some of the funds i was allotted. Also the public record was placed more than 7 years ago and should be removed from my credit report. This is negatively impacting my credit report and is being inaccurately reported by the XXXX major credit reporting bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-11-2016 about Credit card () with AMERICAN EXPRESS COMPANY (NY).
Issue: Credit card protection / Debt protection

Complaint: try this email address XXXXXXXXXXXX approx, how many times have you been at a restaurant? or any other situation where aomeone other then yourself had access to your credit card could hypothetically written all your info or ordered something via the phone, where someone has access to all your info regarding credit care and address info? why is it when you go to a restaurant to eat, the restaurant keeps a copy of your signed receipt? what is the point of a debit card being so? 
do you know when you call american express, when youre on hold, the computer generated voice goes, as a amex card holder, you are not responsible for any charged that you have on your bill.for what seems like six months american express isnt holding up to their part of the deal. i am sending the original letters to amex ceo and copies to president obama and you guys. who is " XXXX '' in salt lake ut ... they wrote with a lettetheas of american express global banking ref : XXXX basically their is no signature, theur is no debit card number password. 
XXXX just charges and got no signature or no verification wheres the ip address? 
but neither i nor the other card holder authorized this charge!

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2017 about Debt collection (Credit card debt) with Rausch, Sturm, Israel, Enerson & Hornik, LLP (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: The creditor, XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX, Original creditor was XXXX XXXX placed my debt account with collection attorneys XXXX, XXXX, XXXX, XXXX and XXXX XXXX XXXX. The XXXX filed for an appointment of a receiver on a judgement on the account from XXXX. 

I was unaware of the judgement from XXXX and well as the recent filing for the appointment for the receiver until after the fact. The original amount owed on the account I do not know and can not get a copy of it. I do know it is less than {$1000.00}. The amount of requested property to be updated with receiver appointment was {$4900.00} plus receiver fees. 

The receiver put a hold on my bank account for the amount of {$5400.00} on XXXX. I had {$850.00} in my bank account at the time. I called the collection company on XXXX, as per the suggestion of my banking XXXX and made an offer of {$3000.00}. This was to be paid with {$500.00} from my checking account and $ XXXX for the next 10 months. The person I spoke with, XXXX XXXX said she would present my offer and let me know in a day or XXXX. I checked my bank account today and the receiver had debited my account for {$1100.00}. This was more than the amount that I had in the account and was not the agreed offer. My banker said they were probably just trying to catch another deposit that I might not have disclosed. 

I called the XXXX back today and the representative pleaded ignorance of the situation, she said she does n't have access to what the receiver does. Then why do I have to deal with the collection company? I tried speaking with the receiver 's company and they refered me to the collection company. I resended my offer and offered them the amount they tried to debit my account, actually {$1200.00}, because the rep said they wanted a lump sum and this was all I could offer. She said they probably would not accept it, but would present it. I have called the court that the judgement was filed in to see if I have any options there.

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2015 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (NY).
Issue: Account opening, closing, or management

Complaint: There was fraud on my account related to cyber security and other issues. My account illegally has a negative balance, because TD Bank did not update my file. Additionally, I must worry for the security of my account when making deposits. I reported the fraud and TD Bank has not properly credited or updated the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Transunion is reporting an inaccurate address and name for me. 
I never lived at XXXX XXXX XXXX XXXX VA, and my name is NOT XXXX XXXX XXXX. 
I have disputed this and it is still on my credit. 

XXXX is also reporting an invalid name on my credit report. My name Is NOT XXXX XXXX XXXX I have disputed this already and they are still on there. It is affecting my financing and needs to be fixed asap

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 09/20/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (MN).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: My name is XXXX XXXX and cell number is XXXX. 
I got call from XXXX first time on XXXX today and after 10 minutes get another call from XXXX number. They said they are credit agency people so they need expuration date of my XXXX card of capitalone bank and they get information from XXXX that I pay my bills on time since 8 months and they can lower my interest rate. 

When I cross question them they start talking abusive language in XXXX. It is my mother tounge so I can understand what they said. I am sure this is international gang for fraud. XXXX is the language use in an XXXX country name XXXX. 

I report it to you and request you to take serious action. 

Your earliest action is highly appreciated. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have been paying diligently on my private student loans since 6 months after college graduation in 2010. This year I was told that my interest repayment was " up '' and I would now have to pay the full amount - {$530.00} per month - this is only private, it does not include federal loans or other bills I have. I can not afford the full amount and therefore called/emailed numerous times in attempts to change my payment so that I could remain in good standing. I was denied three times and told by customer service that they could not help me and that my best bet was to let the amounts go to collections because collections will allow my repayment to be " more flexible ''. My mother is my cosigner on student loans and I did n't want to do this - but I just can not afford the payment with the amount I make and other bills that have to be paid.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 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: On XXXX XXXX, 2017, I learned that Equifax experienced a security breach resulting in the exposure of the personal and financial information of 143 million Americans. In addition, the free one year credit monitoring that they offer as a result contains an arbitration agreement disqualifying any victims that use the product from participating in class action lawsuits. Lastly, when I place a credit freeze on my Equifax credit report, the security pin that I receive is simply a time stamp of when I signed up, making it easy for my pin to be hacked. All of the above is unacceptable, especially given that Equifax uses our personal information without consent and without an option to opt out, and then uses our personal information as its product, on which it makes a profit.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: There is a unauthorized inquire on my credit dated XXXX/XXXX/2016 from XXXX XXXX. I did not request any credit from XXXX XXXX on this date, please have this removed ASAP and it 's stopping me from applying for business credit which is required. There should only be XXXX inquire on my credit report from XXXX XXXX from XXXX/XXXX/2016. 
I have attached picture from XXXX for support.

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 05-08-2017 about Student loan (Private student loan) with GREAT LAKES (KS).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Student loans were paid ahead for several months  ( See below ). Great Lakes refuses to apply the loan payments to the principal loan amounts. We have called and written to no avail. Last year these loans were paid {$6000.00} ahead, but they continue to only apply these to the interest. We have quit paying on the loans since last year since it does no good. Will attach loan statements showing amounts paid ahead and that " Total Amount Due is {$0.00} ''. The only thing that appears feasible is to just default on the loans. This is our last hope. We have been paying on these loans for 10 years. Original loan amounts were {$5000.00}  on  XXXX  and {$10000.00} on  XXXX  totaling  XXXX . Current combined loan balances is {$13000.00}. We are beyond angry and frustrated. This appears to be fraud at its best and stealing at its worst. As you can see from the below records, the payments totaled {$5400.00} for just the last quarter of last year and the first quarter of this year. PLEASE HELP US!     Loans :  XXXX   XXXX   XX/XX/XXXX  {$440.00} paid ahead   XXXX   {$980.00} paid ahead  XX/XX/XXXX  {$500.00} paid ahead  XX/XX/XXXX  {$1000.00} paid ahead  XX/XX/XXXX  {$440.00} paid ahead   XXXX   {$880.00} paid ahead   XXXX   {$380.00} paid ahead   XXXX   {$310.00} paid ahead   XXXX   {$250.00} paid ahead   XXXX   {$190.00} paid ahead

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MO).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: In XX/XX/XXXX, I got my credit reports, i noticed my students loans were reporting open, closed - with XXXX. I have contacted XXXX in regards to my XXXX student  loan payment history- it shows 4 loans 15 payments each past due. Destroying my history and credit. I contact XXXX they show this are loans XXXX, XXXX, XXXX, and XXXX - I stated that my loans were suppose to be in default. Well when I initially contacted in XX/XX/XXXX - I called over the phone - Like I usely do to renew my economic hardship- the representative told me- to mail in proof of state assistance- I mailed information-never received any information that those 4 loans were ever in default. Sent a goodwill letter- no response. I need help getting this 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 explanation
Consumer complaint received 02/14/2016 about Credit card () with PAYPAL HOLDINGS INC. (GA).
Issue: Unsolicited issuance of credit card

Complaint: I had used PayPal for many years for online purchases and payments for my kids ' activities, etc. Paypal charges always went to a credit card that I had set as my default payment. Last year sometime, unbeknowst to me, Paypal opened a " PayPal Credit '' account and put a {$60.00} charge made by my wife onto that credit account rather than to the card I had specified. They did not bill me for the amount until several months later, at which point late fees and interest had driven the balance over {$100.00}. I called and was assured the late fees would be removed and that if I just paid {$64.00} for the balance and interest, that would square things. I closed the account and sent them the money. Now, several months later, I received another bill for {$130.00} for late charges and interest accumulated on top of late charges. I called them and they refused to waive the fees. I never authorized the account. I paid for what my wife bought plus usurious interst ( {$4.00} on a {$60.00} balance for a few months ). They cashed the check. I do n't owe them any money, but they continue to demand that I pay, having referred my account to collections. Their practices are deceptive and/or fraufulent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06-01-2016 about Credit card () with SYNCHRONY FINANCIAL (SC).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I found a charge on my monthly statement to XXXX that I did n't recognize. I then called XXXX and talked to their customer service department. XXXX at first would n't tell me what was ordered. Then they told me that it was sunglasses and it was sent to XXXX SC. The other side of the state where I do n't know anyone. They said to file a complaint with the credit card company and they would refund it as it was obviously a fraudulent charge. 
I called the number on the walmart Synchrony bank card for the customer service department. They submitted a complaint of a fraudulent charge. I asked them to cancel the card and issue a new number and a new card. They did so. 
A month later they denied the claim and put it back on my account. 
I called again and filed a second complaint. They did a review and sent me the paperwork that shows that sunglasses were purchased and sent to an address that is not on the account. I told them to put the people at that address in Jail and refund my money as I had Nothing to do with the charge. 
That claim was also denied. I called customer service again and they wanted me to send a letter in asking for another look at the charge. 
I refused and talked to a manager who said the previous XXXX complaints were filed incorrectly or with the wrong department. They said it had to be filed with the fraud department. I 'm not sure how I can do that as they handle the filing over the phone and assure me it is done correctly. 
I filed with the Fraud department. 
Now they have denied the third claim and put the charge back on my account. 

These people are a large bank that is doing this nonsense on purpose to stop me getting the money back or make it so difficult I stop fighting. 
I had nothing to do with this purchase and I will not pay for fraud that was committed on a card that has a " Zero Liability Guarantee ''.

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