milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-05-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (IN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: We continue to receive calls from a 2010 alleged debt from XXXX for XXXX. We received a refund check from direct tv when our account was closed. We have received calls from several different collection agencies regarding this same issue. We have asked for substantiating documentation and have not received it from any of the calls that we have received. I have told each of them that this is harassment until they can provide documentation for their claim ... we are at out wits end with what to do ... We have excellent credit an pay what we owe ... We do NOT owe this and I am not paying but I cant seem to get the calls to stop ... currently the company calling us is IC System XXXX. XXXX XXXX XXXX XXXX MN XXXX phone XXXX claim no XXXX PLEASE HELP!! How can I file a harassment claim against this co who prob purchased what XXXX XXXX could not provide documentation for at pennies on the dollar and continue to sell it to other collection agencies that continue to harass us ... Any assistance would be greatly appreciated

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (TX).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: My name is XXXX XXXX. This was my first credit card and have kept the account in good standing since inception in XX/XX/XXXX.

Back in XX/XX/XXXX - My co-signer on the account filed for Chapter XXXX and XXXX XXXX automatically closed the account. 

I'm the primary holder and this person has nothing to do with me. The account was always in good standing, never ever bad. 

They closed my account and intentionally deleted it off all credit bureaus to hurt me personally. It took my score down and made it appear as I have not established a long credit history. 

The company also went so far to list the account as a charge off. Why would you charge off an account that was never behind? And list it as bad debt on the person that didn't file for bankruptcy. 

Makes no sense. They refuse to reinstate the account or take the other individuals off as it has nothing to do with me. I find this very shady and fraudulent. 

Called compnay last on 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 08/18/2015 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (CT).
Issue: Problems caused by my funds being low

Complaint: I thought under Dodd-Frank that banks had to process transactions in favor of the consumer, so deposits would be processed first then by checks and debit card transactions. I made a cash deposit on the day pending transactions were to be processed which would have overdrawn my account ; I opted out of overdraft protection. My bank, TD Bank, charged me a {$35.00} overdraft fee. Without that my account would not be overdrawn. Can they do that?

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-02-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Rent Recovery Solutions (NY).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I was contacted via telephone for an invalid debt on XXXX XXXX, 2015. I spoke to XXXX I provided my new mailing address and requested a letter. I knew the debt she was speaking of was invalid and told her this. I also provided my email. I knew I needed their information in order to dispute the debt. I never got any letter and they called me again. I explained I need to see a letter. I will dispute this debt I can prove it is invalid. Now suddenly on XXXX XXXX, 2015 I see it was reported to credit reporting agencies. I contacted them to remove this since it is not accurate and I never received a letter and in NY it is my right to get a letter to dispute. She said it is too late and they can not remove it. I said that is illegal I do n't even know who you are. She transferred me to a supervisor who also said too bad they will not remove it. She wanted me to make arrangements to pay. I said no this debt is invalid and I can prove it. I explained I have been working on my credit and on time payments and this collection will destroy what I built. Again she did n't care. I said I am going to file a complaint. They are illegally reporting false information about me and did not give me the opportunity to dispute this. I know it is my legal right and I need to complain so they ca n't do this to others. This is unfair and it cost me over {$1500.00} more in interest for a new loan I was waiting to receive. This is not fair and I needed to report this unfair activity. Please help me resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2015 about Mortgage (VA mortgage) with GEORGE MASON MORTGAGE, LLC (TX).
Issue: Application, originator, mortgage broker

Complaint: I am XXXX XXXX and receive both social security and long-term XXXX payments. I, along with my wife as co-borrower, applied for a VA loan from George Mason Mortgage in XXXX, VA ( branch office inXXXX, VA. ) I am virtually debt-free and have a credit score of XXXX. 
I have over {$30000.00} in savings, very little consumer debt, and a home that is paid for ( which I am selling ). My wife and I had to contact theCEO of George Mason Mortgage, XXXX XXXX XXXX, and file a complaintagainst its loan officer, XXXX XXXX, because he was not processing my VA loan, my VA loan and kept drilling me on my public assistance and LTDpayments ( " income '' ) even though I provided him a lot of supportingdocumentation regarding my income ( which is sufficient for the loan I am seeking ). XXXX XXXX started drilling me about my specific XXXX and even said he even wanted to contact XXXX, the XXXX insurance company, becauseI " could '' lose this XXXX payments ( which is highly unlikely ). XXXX XXXX insisted thatI have bank statements from XXXX XXXX XXXX -- where I have $ XXXX in savings -- stamped and signed off by a bank official. It appears that XXXX XXXX has lost or misplaced some of my supporting documentbecause he kept asking for the same documents over and over. Then, his senior VP ( branch manager ) took over my loan app and was thepoint-of-contact. I still have trouble getting answers to my questions. 
It appears to me that I am being overcharged by this lender beyond the closing costs and 1 % of loan amount that the VA allows. The lendersent me a commitment letter that contradicts other documentsXXXX.XXXX sent me to which locks in my VA loan rate of 3 % APR15-year fixed. I have complained to the realtor, who says she wo n't use George Mason Mortgage again for any of her clients. ( She hadrecommended this lender to me and is now sorry that she did so. ) I have complained to the CEO again and have kept him in the email distribution as I try to get answers and get this loan completed. I am certain that I have beendiscriminated because of my XXXX and receiving XXXX income. 
With my credit score, credit history, current income, no bad debts, etc., Ishould not be hassled and questioned so heavily -- and repeatedly -- regarding my XXXX and eligibility for this loan. If legal assistance isavailable, please let me know.

Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My Experian report contains several SSN variants that do NOT belong to me. I have one SSN which should appear on my report, a copy of which is attached. All other numbers must be removed as they are not mine and are causing adverse action in credit decisions affecting me. Only my VALID SSN should be listed on the report. All other information is INVALID and causing me financial harm. I attaching my drivers license to prove my address and a copy of my ORIGINAL and OFFICIAL SSN card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-12-2016 about Mortgage (VA mortgage) with FREEDOM MORTGAGE COMPANY (IL).
Issue: Loan servicing, payments, escrow account

Complaint: Our mortgage is through Freedom Mortgage. When I stopped working, my husband and I fell on hard times. When I called freedom to ask about how late I can make my payment. They connected me to a dept to help customers in need. They set me up on a payment plan. I would skip the first month then pay a little extra for the next 4 months to catch up with my mortgage. They said to disregard all letters because they are system automated. They then transferred my loan to XXXX. When I was done with the payment plan they transferred my loan back to Freedom along with {$600.00} dollars worth of fees accrued by late charges. Freedom refuses to help me because they say that XXXX charged me those fees not them. XXXX will not help me because they say they do not have our file anymore and we are no longer their client.

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 07-06-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (VA).
Issue: Other

Complaint: I had a Capital One credit card back in 2000 or so. I got rid of it because it was not affordable anymore. I was contacted by the bank once or twice. I paid what I could. They, in turn, waited 19 years and now are garnishing my check for about XXXX % of the gross. I thought the limit was XXXX % of the disposable income. So now my wife and I can not pay our rent on time, it is hard to make car payments, get groceries, etc. They have put us in a position where we can not afford to live in XXXX County and have nowhere else to go. My wife is disabled and I am her caregiver. I need to know if you can help me and if any complaints related to this one have been filed with you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/28/2017 about Student loan (Federal student loan servicing) with Brelvis Consulting, LLC (KY).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I was contacted by The Student Loan Help Center in XXXX 2016 advising me that that could help lower my monthly student loan payment from {$220.00} to {$54.00} monthly. I was told that there would be a fee of {$590.00} which I could pay in installments over a three month period. Which was {$190.00} for XXXX, XXXX and XXXX. When I receive notice from XXXX Student Loan payment repayment in XXXX that a loan repayment where {$350.00} When I contacted TSLHC advising them that my payments were not {$54.00} but {$350.00}. They advised that they had forward my work to XXXX there was nothing they could do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 09/18/2016 about Credit reporting () with CORELOGIC INC (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have several unauthorized hard inquiries on my credit reports from CREDCO. I was a victim of identity theft and these were not made by me.

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 02-05-2017 about Bank account or service (Other bank product/service) with PNC Bank N.A. (PA).
Issue: Deposits and withdrawals

Complaint: Since you are at the point of being eliminated, I want you to take this very seriously. PNC bank lost thousands of my money in a XXXX project on a LOC. The Bank did not adhere to original contract instructions and used extortion for me not to sue them. Due to a ineffective representation by my attorney, and not being able to contact PNC this has been a nightmare. You fined them once for illegal transactions and foreclosures which happened to me and I am not backing down. Under the FOIA I request that you contact someone other than the XXXX because they only send the same XXXX documents. No one from the XXXX asked me for the original contract or even contacted me. I am tired of this corrupt government entities and being a XXXX year federal employee an very aware how the government works and the waste, fraud and abuse of funds. I am not going to let them take my money and ruin my life which they have, If you look at all PNC complaints you will realize what they have done to many people. I want them prosecuted for the entire LOC and I want damages because it killed my father and ruined my life. They did not know what they were doing and a corrupt township not following state enacted laws and regulations were incompetent. Pennsylvania is number XXXX in corruption and the oversight committee in the state are licensing boards. I have filed with the XXXX and even sent a FOIA request to them and have hard nothing. This is against the law and the previous director was formerly a bank lobbyist in XXXX. I am not asking for anything that should not transpire and I want them prosecuted again. 
Please respond or I will write the White House. 
XXXX XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX XXXX XXXX XXXX P.S. Do not tell me you are not capable to exercise your right in this transaction and under FOIA you only had so many days to respond. The Bank extorted me to sign a document that I would not sue them. What does that tell you. At first I refused but my attorney said they would not release funds I put in myself other than the LOC which is illegal. Waiting to hear from you.

Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (FL).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: On Thursday,  XX/XX/XXXX , Chase shut down all of mine and my wife 's credit card accounts (  XXXX  in total ) without any prior notice and we were sent notice a few days later that they will be shutting down our checking and savings accounts on XX/XX/XXXX . After repeated attempts to contact the bank, all of the supervisors have been either unable or unwilling to provide any insight into the unilateral account closure. The only explanation they shared is : '' The banks exercised its right to shut down your accounts. '' After conducting further online research, we connected with more than 10 other account-holders that experienced similar unexplained account closures within the past year. So far, the only common denominator we 've been able to uncover between our accounts is a religious affiliation. We are all  XX/XX/XXXX . At this point, absent a further explanation from the bank, we have been forced to conclude that our accounts were unilaterally closed for reasons relating to religious discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2018 about Debt collection (Credit card debt) with JH Portfolio Debt Equities, LLC (MA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I checked my credit report when the XXXX breach happened. XXXX  gave me a free XXXX XXXX protection plan. I then requested a free annual credit reports from XXXX and XXXX. I noticed a few accounts that were opened fraudulently. I disputed these accounts a few times.

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 08-11-2017 about Debt collection (Medical debt) with EQUIFAX, INC. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On XXXX/XXXX/2017 2 debts were removed from my credit report and on XXXX/XXXX2017 they were put back on my credit report without being notified this is illegal the following accounts are : XXXX XXXX XXXX XXXX {$210.00} XXXX XXXX XXXX XXXX {$150.00}

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: This allegation of having a charge off on my credit report IS DEFICIENT of CERTIFICATED PHYSICAL PROOF of being adequately and fully COMPLIANT to all mandates and laws as related to my state, the FCRA and METRO 2 data formatted reporting standards.
You MUST annul Today, even NOW as you are NOT authorized to retain much less report any information or aspects of adverse data that is NOT TESTIMONIAL in its 100 % TRUTH, CORRECTNESS, COMPLETENESS, TIMELINESS, of proven documented OWNERSHIP of mine, or of proven documented RESPONSIBILITY of mine. DEMONSTRATE confirmation of all data, dates, balances, calculations, identities, audits to include the requisite 426-character P6 statements and all of its trailing segments, the minimal five portioned personal identifiers, all 386 pieces to confirmation to collect, and every aspect of the alpha-/ numeric-/ and or alphanumeric source codes. RETURN or retain OBLIGATORY compliance with your federally defined timely deletion of any and all adverse notations that are deficient of physical evidence of proper reporting.

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 07-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (DE).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I filed Bankruptcy ( Chapter XXXX in XXXX 2010 ). It was reported to my credit report on XXXX 2010 and listed as fully discharged on XXXX X/2010 and Equifax X/2010. I know the rules of FCRA state that all negative information must be removed within 7 years, which I am at that expiration date. However on Equifax, it is four months past the 7 year period and the public record is still appearing. I have filed a dispute with no resolution. XXXX is also still showing and this is also past the 7 year mark. <P/>I want the information removed because it is a violation of FCRA. I know that most bureaus now install logic of 6 years 10 months to ensure that there is no violation of reporting negative information or public records past the required timing per FCRA. I am requesting your assistance to ensure my credit report and history is accurate and fair per my rights under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2018 about Debt collection (Medical debt) with COLLECTION SERVICES OF ATHENS, INC. (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: COLLECTION SERVICE OF ATHENS NEVER SENT ME A BILL OR INFORMED ME OF AN ACCOUNT WITH THEM I DID NOT GIVE OR MY CONSENT TO OPEN AN ACCOUNT OR USE MY SOCIAL SECURITY TO EXTEND FOR CREDIT WITH THEM, THEY ALSO VIOLATED MAY HIPPA RIGHTS BY MAILING SENSITIVE MEDICAL INFORMATION WITHOUT MY CONSENT

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 04-01-2016 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: In XXXX 2015 after moving from XXXX, XXXX we contacted XXXX several times telling them we 've moved to XXXX, XXXX XXXX, and that we could no longer get a consistent connection. After about the 5th call they returned our call and said they would have their engineering dept review the situation, and that they would get back to us. 

Approx 7 weeks later they finally got back to us and said there was nothing unusual about the dropped signals. We told them that it was unacceptable and we wanted to discontinue our service if they could not provide a signal that was usable to us as customers. A couple weeks later they called us back and said there was nothing further that could be done to remedy the situation and we were denied the opportunity to speak with a supervisor in order to address this issue. 

We called several more times asking for a supervisor to return our call. Around XX/XX/XXXX they said there was nothing further they could do and our account had been turned over to a collection agency and we could only deal with them at this point, this, after we had asked for a supervisor to review this situation all along! It is ridiculous to imagine any customer would pay for a product that they could not use! 

It is both inappropriate and unethical for XXXX to attempt to commandeer my hard earned money from me for their inability to deliver service and obfuscating the issue by simply placing the account into collection with : XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX Instead of addressing the issue of concern XXXX is using the collection agency as a vehicle to extort money out of me and ruin my excellent credit. I have already had my credit score lowered and lost a mortgage over this issue. 

XXXX nor any company should get away with such atrocious business practices at the expense of loyal customers. Your assistance in this matter is gratefully appreciated. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2017 about Payday loan, title loan, or personal loan (Personal line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Problem when making payments

Complaint: There is two months that I am not received the bill statement to make the payment.
I had to call the Bank of America the last two months to asked how much I need to pay because every month there is a little difference. It look like the Bank of America lost my Home address. But I am 100 % sure if I made the payment late the letter charge fees will show up.

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 05-05-2016 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (AL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have asked Portfolio Recovery to validate a collection they are reporting on my credit reports on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company response to consumer: Closed with explanation