milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/22/2016 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I filed a dispute with Experian Credit Reporting Agency 25 or times regarding inaccuracies with XXXX XXXX XXXX. I am disappointed that Experian could not conduct a fair and impartial investigation of my dispute. I was told by Experian more than 25 times, if does not change and update inaccuracies on credit report the incorrect information will remain on my credit report. I asked the Experian rep what would be the point of me filing a dispute and sending in evidence to support my claim if they were bias and not going to perform a fair investigation. I asked them why would side with the creditor if they were wrong they said that their hands were tied and that there was nothing they could do. I told them the reason why I subscribed to their service for years is so that I could monitor my credit activity and file disputes if any item on my report was reporting in I received a XXXX XXXX Tuition Answer student loan in XXXX or XXXX. The {$25000.00} dollar loan has since more than doubled that amount since I first received it. Another problem I am having is with XXXX Solutions XXXX XXXX XXXX handling the collection of the payments. XXXX has ruined my credit standings with Experian and the other XXXX credit agencies. On XXXX XXXX XXXX, I called XXXX and informed them that I was living in a hotel due to a fire in my home, and at the point I tried to use my several months forbearance. The XXXX Reps gave me the run-around for several months telling me I had to speak to a specific rep that had approved the forbearance but every time I called asking to speak to the reps some of the reps told me they did not know who the rep was or she was unavailable at the time. I continued to call and now the reps story was I was unable to use the forbearance because I did not have enough months to cover the time period in which my payment was due. I was finally granted the forbearance for the time period XXXX/XXXX/XXXX to XXXX/XXXX/XXXX but they still reported me as being late after granting me a retroactive-forbearance. During the forbearance I made 3 payments of XXXX. One of those 3 payments was for the month of XXXX XXXX XXXX this is one of the months they have reported me to the credit agencies as being late. They refuse to change the information with the credit agency. I have reached-out countless times still the information on my credit report remains the same. I think the loan should be reported to the collection agencies as not late and I also think collection of the loan should be canceled because of the outrageous interest they gave me. The loan was first given an interest rate of 13-16 percent initially and now for collection of the loan I was given a lower rate but the lower rate does not make up for all the interest that accrued during the higher interest rate, 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 06-01-2015 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My title report is showing a {$42000.00} XXXX lien under the name of Bank of America. This loan was paid off more than XXXX years ago. I am now trying to refinance and need this paid off lien reconveyed immediately. I also demand that I be paid the {$500.00} penalty due to me under CAL. CIV. CODE 2941 : California Code - Section 2941 : d ) The violation of this section shall make the violator liable to the person affected by the violation for all damages which that person may sustain by reason of the violation, and shall require that the violator forfeit to that person the sum of XXXX hundred dollars ( {$500.00} ). -My damages will far exceed the {$500.00} you must pay me now, if my refinance is in any way delayed or does not take place as a result of Bank of America 's error in failing to reconvey title timely. 

Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2017 about Debt collection (Auto) with CAPITAL ONE FINANCIAL CORPORATION (OK).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I am receiving daily calls from Capital one on a car that we are behind on the payments. They are threatening to repossess it on a daily basis. Same questions are ask and same threats every day.

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2017 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Experian keeps reapplying this us bankruptcy ct FL XXXX to my credit file It is not mine And no phone number and No address that can be verified Also no claim amount listed and no liability amount I keep disputing it but experian keeps refusing to investigate

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 05-07-2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: APR or interest rate

Complaint: Recently, I 've been having difficulty meeting my minimum payments on XXXX of my credit cards with Bank of America. I 've called and explained to them the situation, after being a loyal customer of theirs for many years, no one seemed to care about me and my situation, rather only cared about their money and their high interest rate. In my time of need, I asked them to lower the interest rate and/or work out a payment. I was declined XXXX options. I do n't think I am being treated fairly. They are only out to receive their high late payment and interest fees. They have no interest in what 's best for the customer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have tried to dispute my tax lien through the regular written letter credit bureau investigation process XXXX with no resolution or response. I included the document from the Georgia Dept of Revenue showing that it is satisfied and cancelled and the bureaus have n't properly investigated and deleted it from my reports. I have attached the letter again for you as well. They combined the accounts for XXXX and I and the receipts attached show they were paid. Please help. I look forward to quick resolution because these are impeding my ability to move forward financially.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2015 about Credit card () with CITIBANK, N.A. (NY).
Issue: Unsolicited issuance of credit card

Complaint: XXXX XXXX XXXX : Connected to XXXX XXXX XXXX XXXX : Your reference number for this chat session is XXXX XXXX XXXX Customer XXXX : Initial Question/Comment : Sears gave me a temporary store card pass in XXXX to use while waiting for my card in the mail. I went to shop and this cashier run my credit XXXX more times without my consent when I specifically told her No that I 'm using my store pass. 
XXXX XXXX XXXX : Thank you for contacting the Federal Trade Commission 's Complaint Assistant Technical Support Desk. 
XXXX XXXX XXXX XXXX : Your chat conversation may be monitored for quality assurance purposes. 
XXXX XXXX : Connected with XXXX XXXX XXXX Agent XXXX : Good morning XXXX. I 'm sorry to hear about that happening. How can I help you today? Do you need assistance to file a report online on the FTC complaint assistant page? 
XXXX XXXX Customer XXXX : I guess so. Because it 's not fair when someone is trying to build up a good credit and for someone else to purposely messing it up. 
XXXX XXXX XXXX XXXX : I understand. You can choose report that on our complaint assistant by choosing the category " XXXX and XXXX '' and the subcategory " Credit and Loans : Credit cards, credit reporting, mortgages, pay day loans or other loan services ''. You can report the company and can type a summary of what happened in your own words. 
XXXX XXXX Agent XXXX : You can also contact the CFPB at XXXX. They are the government office that regulates how/when companies are allowed to get access to your credit and can file a report and give additional information on that topic. 
XXXX XXXX Customer XXXX : Credit Bureau needs to be aware of scams like this and help customers like me to keep a good credit. What would be the purpose for me to apply for credit XXXX x within a month in the same store when I am already granting a credit. 
And when I am well aware that every time someone run a credit check on someone else, their XXXX score, I think goes down. Why would I do that to myself if I want to build up a good credit? Okay, I am going to call the CFPB. Think you XXXX for the chat. 
XXXX XXXX Agent XXXX : You 're welcome. And thank you for contacting the Federal Trade Commission. Have a good Day. 
XXXX XXXX Customer XXXX : You too and XXXX bless you. 
Please help me because I do n't want my score to get affected

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/18/2016 about Debt collection (Credit card) with Security Credit Services, LLC (OR).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have I put forth good faith effort to contact this XXXX, XXXX and Security Credit Services who XXXX, XXXX says they represent. I have put in a request for validation of my debt. It has know been over 90 days since last communications from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2016 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Rewards

Complaint: Dear CFPB, American Express sent me an offer to apply for the Business Rewards Gold card via my online banking bill pay screen. The offer was for XXXX membership rewards points for signing up for the card and spending {$5000.00} in 3 months. I pulled up the application today XXXX/XXXX/2016, as the offer expires XXXX/XXXX/2016 and I wanted to apply for the card before it expires. 
The offer showed the terms and conditions, and I read through them. There was nothing that denoted I would be ineligible for the card. 
I called to apply for the card but was told by the American Express membership rewards department agent, XXXX, that I was in fact ineligible. She apologized but cited terms and conditions that were not listed in the original offer that I had received. 
I think that this is incredible unfair. 
An offer that is mailed from AMEX to the consumer should include all terms and conditions. AMEX was apparently withholding the full terms and conditions. 
I feel that I have been mislead as a consumer, and that my time has been wasted. 
I had been planning on apply for this card all month, and now that I went to do so I was unable to proceed. 

I feel I deserve to be eligible for this card. 

AMEX needs to allow me to sign up for the card and receive the bonus, and this was the offer they originally sent me.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX, is saying that it was a collections/charge off, but I pay in full

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 07/27/2017 about Debt collection (Other debt) with Convergent Resources, Inc. (VA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Had a XXXX account in college, around XXXX, it went to collections on/around XXXX. I had an original debt collector reach out to me in that same time frame. It was removed from my credit report in XXXX/XXXX. Now, I see I have a collection from Convergent Resources , INC . I have reached out to the company that controls the debt, Convergent Resources, INC, regarding a ten year old cell phone debt. I disputed this account with XXXX ( Case # XXXX ) in XXXX of XXXX, and in XXXX it was Removed from my XXXX report for accuracy and statue of limitations, but still shows on my XXXX Report. I called Convergent in XXXX/XXXX to inform them of this, the gentleman I spoke to says it shows that I disputed the account but he could n't do anymore. I informed him that I had disputed with XXXX and gotten it removed, he said he annotate that in my file, but that he could not remove it from my record. I told him I would submit a complaint to the BBB if no further action was taken, but I hoped because I had it taken care of easily with XXXX that it would be a quick fix. As of XXXX XXXX, the debt still shows on my XXXX CR.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: I purchased a second home at XXXX XXXX XXXX XXXX, XXXX XXXX, NJ, a shore town that required flood insurance for the loan, which I did purchase according to the guidleines sent to me from the lender ( Greentree in XXXX XXXX, NJ XXXX. We settled on XXXX and now they are saying I need to purchase additional flood insurance to cover the replacement value of the existing property. According to what they sent me and the Federal guidelines I only need to have Flood Insurance in the amount to cover the Improvemets minus the land value, which is what I purchased. They are now forcing me to purchase more coverage ( the value of the improvements, with no consideration of the land value ) or they say they will purchase a policy and force me to pay for it, which will be much more expensive that me just increasing coverage. I feel they are pressuing me to purchase something I do not need to make them feel better.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2017 about Credit card () with JPMORGAN CHASE & CO. (NJ).
Issue: Billing disputes

Complaint: Chase Bank Credit Card 's dispute service is poor. It is often lack of response and leave the issue unsolved.      I disputed a charge through Chase Freedom Credit Card. After I filed dispute, I was issued a conditional credit. However, without any communication or follow up, Chase rebilled the amount of dispute. I contacted Chase for the explanation, but no   response.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AES/PHEAA (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: FedLoan Servicing is reporting inaccurate information on my credit report and I am requesting the " original signed contracts '' for the loans that FedLoan Servicing is reporting on my credit report. If FedLoan Servicing can not provide that information, please remove all negative reportings from my credit report. I sent a certified letter to FedLoan Servicing in regards to this issue but have yet to receive a response.
FedLoan Servicing XXXX XXXX XXXX XXXX, PA XXXX  This letter is to inform you that I recently received a copy of my credit report and after reviewing it I found an item on the report that is inaccurate. The account in question is listed below. Please send me copies of the documents ( " Original Signed Documents '' ) that you have in your files as of this date that you used to verify the accuracy of the account listed below.
<P/>
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting to the Credit Bureaus. Please dont respond to my request by saying that the account is accurate and have been verified. Send me copies ( " Original Signed Documents '' ) that you have in your files that were used to verify the reported item. If you do not have any documentation in your files to verify the accuracy of this disputed account then please remove any negative reportings from my credit report immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By reporting this inaccurate and unverified item on my credit report and you are damaging my reputation and credit worthiness.
<P/>
Under the FCRA 15 U.S.C. 1681i, Unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for this account listed below within 30 days of receipt of this letter then you must remove this account from my credit report.
<P/>
I demand the following account be properly verified or removed immediately.
<P/>
NameofAccount : Date Reported : ProvidePhysicalProofofVerification : FedLoan Servicing {$46000.00} XXXX XXXX, 2011 Unverified Account

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2015 about Consumer Loan (Vehicle loan) with GENERAL MOTORS FINANCIAL COMPANY, INC. (CA).
Issue: Problems when you are unable to pay

Complaint: GM Financial repossessed my mother 's XXXX when there were only XXXX payments left AND my mother was in the hospital & I did n't know her financial status. It cost her XXXX ( with XXXX payday loan advances ) to retrieve the car. She is on XXXX AND she is XXXX AND XXXX. The repossession company ( XXXX ) lost the spare tire. Because of the high interest rate, the excessive fees and the repossession costs, we believe that the loan has been paid in full. Additionally, GM Financial made it extremely difficult to pay. Our bank could not transfer funds, GM Financial would not electronically debit the funds and instead forced my XXXX mother to go to the bank, then to XXXX and use XXXX XXXX. I believe that this is elder financial abuse in that GM Financial took the car when the equity was nearly complete thereby nearly XXXX their income from the loan if it were remarketed.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Consumer Loan (Vehicle loan) with U.S. BANCORP (WA).
Issue: Managing the loan or lease

Complaint: My auto loan service provider refuses to follow specific instructions regarding applying additional loan payments to the principal instead of next month 's payment. I have sent instructions via AutoPay from my bank and called to ask that my payments be applied to the principal, but that still has n't been done.

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 10-09-2017 about Debt collection (Medical debt) with SCA Collections, Inc. (SC).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: On XX/XX/XXXX, I had a procedure done with my XXXX in their office. I paid the doctor 's office the amount that was owed to them and my insurance, XXXX XXXX paid their covered amt. I never received any other correspondence in regards to this office visit. Around XX/XX/XXXX, I noticed I have a collection account on my credit report from SCA, a collection agency. I sent this company a validation letter to inquire about the nature of the collection. They sent me a bill for {$260.00} from XXXX XXXX XXXX for a lab service for the XX/XX/XXXX Date of Service. Upon opening the bill, it had a completely wrong address for me. I contacted the company and they advised me that my doctor 's office sent them the address and they were advised that this was a self-pay account. That information is incorrect. I provided my doctor 's office my insurance information and they were paid for their services. I then contacted my doctor 's office to confirm what information they have for me and they confirmed the address they have on file is the address where I currently live and have lived since XX/XX/XXXX. I have continued to dispute this collection with XXXX XXXX XXXX and XXXX who handles the billing for this company and they are not providing a satisfactory resolution. I 've sent them a copy of my lease from XX/XX/XXXX showing that the address they have is not my address. I 've contacted my doctor 's office and they have the same information. My final contact with XXXX/XXXX XXXX XXXX was on XX/XX/XXXX and XXXX XXXX who is a supervisor, advised that the mailing of a bill is the only correspondence that they sent and no phone contact was ever attempted by their company and that the address they have " did n't drop out of the sky. '' I feel this is completely unacceptable as I do n't know where they obtained the address that they have on file or that fact that my account was a self-pay account when I was insured and my doctor 's office had that information and had no reason to send this lab anything different. I never received any notice of this bill and would n't have known about this bill as I never visited this lab and was never made aware that they had a bill or claim for me. I sent this company everything that I have including an explanation of benefits showing that my doctor 's office got paid and proof of coverage letter from my insurance covering the date of service. How could I have known about a bill from them if they can state that the only correspondence they sent was to an incorrect address and no phone contact was even attempted?

Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2015 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: XXXX XXXX XXXX XXXX, XXXX XXXX, Said, That they would be delivering Papers to My Job Or Home, Calling from This Number XXXX, Calling by Married Name, Have n't Used in 19yrs Cursing at me, And Threatening Me.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: My credit information and reports have been compromised by virtue of the XXXX data breach. I would like the option of freezing and thawing my credit availability through all three credit report agencies, but I do not want to be charged for doing so.

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