milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-05-2016 about Bank account or service (Other bank product/service) with SYNCHRONY FINANCIAL (MD).
Issue: Using a debit or ATM card

Complaint: In XXXX XXXX, I found my credit score dropped from XXXX to approximately XXXX. Upon my investigation with XXXX credit agencies, I discovered that an individual opened a Paypal Extras Mastercard with Synchrony Bank in XXXX XXXX. I am unaware who opened the account or if/where the card was mailed. I have been contacting the Synchrony Bank since XXXX to have my credit score restored. However, there is still no news from them. We need to get the score corrected to close our first house in 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 non-monetary relief
Consumer complaint received 11/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIZENS FINANCIAL GROUP, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On XXXX XXXX, 2017 I submitted a dispute via XXXX about an account I previously had with Citizens Bank. The previous week I had applied for an account elsewhere and was turned down and upon checking my credit file from XXXX I noticed I had been reported for an account abuse closure by Citizens Bank. While I did not dispute the fact that my account was closed with a negative balance I did and do dispute a reporting of account abuse on my credit file. In what was at best a few days later I received correspondence twice from XXXX one stating a investigation had began. The second a day or two later stating the account was affirmed. On Monday XXXX XXXX I contacted the Citizens Bank collections department not once but twice as to inquire why account abuse was reported. From my standpoint the account had not become overdrawn because of any transactions that were paid to any institution on my behalf for me to personally benefit from. My knowledge is that the account was closed because of return payment and sustained overdraft fees the bank accessed for not paying on my behalf. No checks were written no transactions were processed to the debit card the account was overdrawn because of bank fees. The first call resulted in me being transferred to a collection agency the second resulted in a hang up because the representative had became disrespectful over the phone which is the norm for Citizens Bank when you question there just accept it justification. In both calls I agreed to pay what was owed in full even though I dispute the amount. This would be contingent on the inaccurate " abuse '' reporting being removed from the file because I feel it was only reported in that manner as a form of retaliation or malice. I believe it was reported improperly to XXXX because Citizens knew that for that particular agency abuse could mean anything and would n't be questioned.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: To whom this may concern my name is XXXX XXXX I received a copy of my credit report and after reviewing it there is one account reporting on my credit files that I had no Knowledge of. The first account is Chase XXXX I did not authorize them to open this account. I have been in contact with the credit bureaus, i have sent over several certified letters over to your companies. I have record of the phone calls, certified mail sent to your companies and i am sick and tired. I am in distress and i am leaning towards taking legal actions against your companies within 72 hours of you receiving this message. If you feel that this is an error on my part please kindly take the time out to show me the process on how you verify an item and what steps you take to prove that a debt is owed. Your company has violated my rights on several occasions and have broken several laws in The FCRA sections 609, 611, 604, and several other laws in the FCRA. My consent was violated in this process because i was not contacted by anyone that i owed a debt or an account being placed on my account. I therefore know that this is a violation of my rights and i will take legal actions towards your companies.

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have a Collection on my account from a car loan company XXXX XXXX ( Previously XXXX ). They are not reporting their Information accurately. It is inconsistent On all XXXX of my reports which I have disputed all XXXX reports and each report is never Updated correctly Nor deleted since it is not 100 percent accurate per FCRA. I am now requesting since the Credit Reporting company wont delete the record, And the Credit Furnisher Wont report it accurately I am Requesting Help From the Bureau Of Consumer Financial Protection.

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 06/27/2017 about Mortgage (Conventional home mortgage) with Seterus, Inc. (AZ).
Issue: Trouble during payment process

Complaint: I paid my monthly mortgage XXXX-2017, I added XXXX to be applied to my principal. They used my money for two future mortgage payments till XX/XX/XXXX, I called, the girl no understand English, I do n't speak 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 11-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On XXXX/XXXX/XXXX I applied for a XXXX XXXX Secured XXXX Credit Card. I received an Approved status ( Reference Number XXXX ). I had the funds in my account and waited the 7 - 10 days for them to retrieve them. It never happened then within that period I received a letter saying i was not-approved. I was irritated but after seeing on the news the fraudulent accounts XXXX XXXX created I thought perhaps that was what is was and I was kind of glad the account was n't opened now. Then on XXXX/XXXX/XXXX it was reported that i had a credit card account opened and closed within days. I have repeatedly disputed it wanting it removed. I never received a card or any account information yet it ruins my already struggling credit. It dropped me 30 points they day it went on due to my young aged credit. I would like this immediately removed and an explanation to why this was done. I also do not understand how the CB could let this go on my report with such an incomplete picture.

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 11/22/2016 about Bank account or service (Checking account) with KEYCORP (NY).
Issue: Account opening, closing, or management

Complaint: I opened a keybank bank account with the confirmation from an employee who guaranteed me he entered some code to get me the {$300.00} bonus for account opening and assured me that I should get it if I meet all the conditions. Even after 90 days and meeting conditions way before time, I never received the bonus. One of the things they advertise and do not honor is fraud and I wanted to bring it to federal attention, how keybank rips people off.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/22/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Billing disputes

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XXXX, 60 days XXXX, 90 days XXXX, 120 days XXXX, 180 days XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: XXXX XXXX XXXX XXXX, MDXXXXThis address is not mine, I have never used a XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-12-2016 about Credit reporting () with Experian Information Solutions Inc. (CO).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Dear Sir, With full responsibility i would like to complaint about wrong report on my credit. This is my XXXX year in united states. when i was purchasing car i XXXX to know that i was bad credit score, and when i requested for report, i was rejected to receive the report. I would humbly request credit union to provide me with my full report so that i could analyze what is wrong in the report. 
sincerely 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 non-monetary relief
Consumer complaint received 01/19/2018 about Mortgage (Conventional home mortgage) with BMO HARRIS BANK NATIONAL ASSOCIATION (IL).
Issue: Struggling to pay mortgage

Complaint: I am a single father with XXXX children. I signed into a contract with the bank XX/XX/XXXX when I was going through a divorce. I was making payments on this mortgage until XX/XX/XXXX when my monthly payments went up over two thousand dollars A month what they where ( because I was n't able to make A property tax payment ). This was the first time I contacted the banks Loss Mitigation Department. After going to Loss Mitigation Department they keep coming back with payments that where just to high for me to handle and I informed them of that. On XX/XX/XXXX I received a court document stating complaint to foreclose mortgage. When I received this document I contacted the banks Loss Mitigation Department again. Because I was not able to come up with the money they where asking for on a monthly basses. I then started looking into selling the house so that I would be able to pay off the bank holding the mortgage. I put the house on the market looking to sell it as is. I was finally able to find a buyer in XX/XX/XXXX. While going through the process the relator found that the house was sold in a Sheriff Of XXXX  County Sale. I was told that the law in IL was the bank would not be able to put the house up for sale prior to one year of me being notified, which would have been XX/XX/XXXX. I found out they had sold it almost five months early than that date. I was told I needed to contact the banks loss mitigation department. I contacted them and informed them I needed a copy of my loan file, all communication efforts by the bank and or legal team. all they sent me was the XXXX XXXX XXXX XXXX paper work from XX/XX/XXXX. Today I received a Final Eviction Notice along with Order Confirming Sale Dated XX/XX/XXXX. It states that no defendants appearing before the court. I did not know about this court date or any other court date prior.

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 01/26/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: They are refusing to follow the law. This is willful noncompliance. The FCRA clearly states the information in the credit bureaus files is the information that they store in there computer base on every consumer. The XXXX identifies the proper identification required ( drivers license and SS card ) + a written request by the consumer. Basically it says that if a consumer asks the correct way, in writing, and has properly identified themselves, the XXXX bureaus are required to disclose to the consumer exactly what documents are stored within their computer base that were used to verify the information that is being reported on them. There are 2 instances revealed in subsection ( XXXX ), ( XXXX ), whererby " accurate '' information can be removed. 1. ) if the information is outdated in Section XXXX. 2. ) The information can not be verified. " Verification '' is the focal point. I have attached the FCRA sections that state what I am stating as proof. I have also attached a letter from one of the hard inquiry companies that shows they requested to remove this hard inquiry by all XXXX bureaus yet XXXX still reports this inquiry. If this is not corrected I will take this to civil court. In the FCRA it also addresses the legal penalties to willful noncompliance.

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 03/14/2017 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Online outstanding balances are not updated to reflect accrued interest misleading borrowers regarding actual amount owed. Attended XXXX of Pennsylvania.

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 07/24/2016 about Bank account or service (Checking account) with Comerica (MI).
Issue: Using a debit or ATM card

Complaint: I 'm writing my complaint on how my dispute case on my comerica credit card was handle. I 've put in numerous request when dealing with my dispute case it was n't handle in a professional manner at all. I need to speak to someone of a highler importantance to get this matter taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2017 about Consumer Loan (Installment loan) with Guidiville Indian Rancheria (TN).
Issue: Managing the loan or lease

Complaint: Original loan for XXXX dollars, never received a statement on line made a payment of XXXX dollars monthly. balance is now XXXX after 6 months. had to give my bank account info to receive check. monthly deduction of a minimum of XXXXfrom my bank, XXXX.loan original called blue horizon loan co. when I ask for statement I get other peoples account. can not print or use monthly statements.account number is XXXXminimum next payment is XXXXdue XXXX XX/XX/XXXX2017. XXXX will not drop this Loan co. from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2015 about Debt collection (Auto) with FirstPoint Collection Resources (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: This was discharged in my Chapter XXXX Bankruptcy. Balance as of XX/XX/2012 from my Chapter XXXX bankruptcy was {$0.00}. Now this company is harassing me to pay what was discharged back in 2012.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The mentioned debt was a result of a early termination fee ( {$440.00} ) imposed by XXXX as a result of an Satellite dish that was installed improperly, ultimately causing a poor signal. The poor quality is also documented in my contract with XXXX, however claiming that " the customer was ok '' with this quality. Also, my digital signature on the signed contract was illegally duplicated without my knowledge, which can be demonstrated by a erroneously stray mark. 
I contacted XXXX on XX/XX/XXXX to terminate my agreement based on false advertisement and improper installation however was told that I was responsible for the charge since I signed the contract. I then attempted to file a formal dispute with the office of the president of XXXX on XX/XX/XXXX however received no response or follow up. As a result, I filed a formal dispute through my credit union and XXXX of the charge, which ruled in my favor as of XX/XX/XXXX due to no representation provided by XXXX. 
I was later contacted numerous times by Convergent Outsourcing ( debt collector ) on behalf of XXXX to recover the mentioned charges. In my correspondence, I explained to the convergent Rep I was not responsible for the charge as it has already been disputed by XXXX and based on the fact that I was receiving poor quality. This charge was later reported to the XXXX major credit bureaus. 
As a result, I filed a dispute through XXXX, a authorized identity restoration services provided by the Office of Personnel Management, to remove the charge from my credit report. After submitting the supporting documentation, all XXXX major credit bureaus removed the charge by Convergent Outsourcing. 
Later on XX/XX/XXXX, I received a separate notice from XXXX requesting payment for {$440.00} as a result of an unpaid balance from XXXX, This message also indicates the charge may include equipment fees, despite being told by XXXX that the equipment should be discarded after installation as XXXX will not accept returned equipment.

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 02/18/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (OH).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: My credit card account was closed by Capital One due to inactivity, without notification in XX/XX/2018. I was told the company makes business decisions to close accounts. I am confused as to how they make the determination to close my account, is that consistent with other account holders? I ask as my wife also has a Capital One account and has not used it for a purchase in at least 2 years. What is especially egregious is I have a savings account with the same company - they are happy to keep my money on deposit and utilize it for further lending but elect to close my account as I was not carrying a continuing balance.This action may have an impact on my credit score and impact my ability to apply for credit in future.

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Receivables Performance Management, LLC (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: XXXX is by far the worst mobile phone company in the nation. I spent thousands of dollars on their service and products over the years only to deal with call drops, account overages, and poor customer service. It is a small amount in dispute and they have dropped my credit score over XXXX points in a matter of 1 week. I have been working hard to build my credit over the past year just to have it ruined by a XXXX company. I will never do business with XXXX again and will persuade all of my family and friends to switch to any other carrier.

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 04-10-2016 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: i has been waiting on the validation of this debt for almost 2 months XXXX {$2900.00}

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 07/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: In XX/XX/XXXX, XXXX XXXX XXXX, Card number XXXX XXXX XXXX XXXX, wrongfully marked a payment as 30 days late. When I dispute the for the record to be corrected, they continuously switch the month disputed between XX/XX/XXXX and XX/XX/XXXX. This makes the claim new over and over again and has been going on for over 7 months.

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 07/15/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (MD).
Issue: Deposits and withdrawals

Complaint: Deposited money in bank and bank placed a 10 day hold because of numerous overdrafts. Other items came in and more additional fees were billed.

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 Debt collection (I do not know) with CREDIT BUREAU OF NAPA COUNTY, INC. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Instance 1 Account name CHASE RECEIVABLES Account number XXXX Recent balance {$210.00} as of XX/XX/XXXX Date opened XX/XX/XXXXStatus Collection account. {$210.00} past due as of XX/XX/XXXX. 


In dispute XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Address identification number XXXX Original creditor CHASE RECEIVABLES Type Collection Terms 1 Months On record until XX/XX/XXXX Credit limit or original amount {$210.00} High balance $ XXXX Monthly payment {$0.00} Recent payment amount {$0.00} Date of status XXXX First reported XXXX Responsibility Individual

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2017 about Debt collection (I do not know) with Check Security Associates, LLC (HI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Warner Asset Location Services called my mother, my friend, and my sister with regards to a debt I owe them on  XXXX   XXXX ,   XXXX  .     I just received another call from my sister advising they called her again as well as called her husband and   XXXX   daughter on  XXXX   XXXX ,   XXXX  .     The second call being after I spoke with them and set up a payment arrangement. I have also not received a written notice to what the debt was nor was I sent anything regarding the payment arrangement.     I looked up the law and it states they are not allowed to disclose to another person the reason for the call and on both instances they advised my sister, they were attempting to collect a debt. They also left a message on her phone looking for myself as well as my mothers phone.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation