milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/27/2017 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I am contesting the account with SYNCB/GAP. It is an account that was opened without my consent. It is showing a balance of {$0.00} with a {$590.00} credit limit. XXXX is stating on their report that it is even late and over the limit with a 0 % usage. I need XXXX and SYNCB/GAP. to correct this account on my XXXX report. I should not owe SYNCB/GAP. anything since the account was opened and used without my consent, and I have been a victim of idenity theft. Please correct this on my XXXX  report it is showing negative remarks. I am trying to refinance my home a I can not until this is removed from XXXX Report and corrected. Please remove. It has been corrected on my XXXX and XXXX reports, too.

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 09/21/2016 about Mortgage (FHA mortgage) with U.S. BANCORP (IN).
Issue: Loan modification,collection,foreclosure

Complaint: Please consider this complaint a notice of error regarding loss mitigation options. Borrower sought loss mitigation options on an FHA loan and was offered an FHA Formal Forbearance for six payments of {$2100.00} for a total of {$12000.00} in payments in order to cure her arrearage on the account. This type of offer is only supposed to be made according to mortgagee letter XXXX if XXXX % of a borrower 's *surplus* income can cure the arrearage within 6 months time. Borrower 's *gross* income was calculated and presented to US Bank as {$2100.00} on her financial worksheet. Essentially, the repayment plan ( forbearance ) that has been offered represents nearly XXXX % of her gross income, which does not comply with FHA guidelines for such plans.

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 09/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with U.S. BANCORP (TN).
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint: I recently received a packet from XXXX XXXX XXXX XXXXe. I also received a letter from XXXX XXXX  Bank recently. XXXX XXXX XXXX stated a power of attorney is being used by family members. My youngest child have a mental XXXX and is receiving XXXX XXXX XXXX as a result. His name is XXXX XXXX XXXX XXXX, he is also a substance abuser. His social security number is XXXX. XXXX XXXX XXXX stated the circumstances were unique yet permission was given to family members to access my accounts. I needed this in writing and on the bank letter head. I now have evidence of these fraudulent transactions made by family members. 

I mentioned earlier that The XXXX XXXX is abusing my identity. XXXX XXXX XXXX XXXX XXXX stated that I sent a copy of my credit report. The reason I terminated Attorney XXXX XXXX is because he filed my wage earner case that was XXXX in XXXX and XXXX. Those dates that was changed to XXXX is located on that credit form I sent you. 

I sent the XXXX for my former employer, because XXXX XXXX XXXX XXXX XXXX deleted themselves from my credit report. All of my history have been deleted from my history. XXXX XXXX have written a query for me showing my former employers. 
From XXXX. 
In XXXX XXXX XXXX XXXX shows my loan was with XXXX XXXX in Texas from XXXX. A copy of the XXXX statement was mailed to me from XXXX XXXX XXXX. The bankruptcy courts was n't notified of this transfer. It 's not on my credit report with XXXX. It is in XXXX XXXX XXXX data base. 

All of the payments made by whomever that have a business and uses checks with XXXX digits and made wire transactions. 

Property Taxes have been paid on the property at XXXX XXXX XXXX XXXX TN XXXX. But not reported to IRS. 

I have a copy of my credit report from XXXX XXXX when I filed bankruptcy in XXXX. Payments was itemized by them. I will send you a copy if you need it for your investigation. Both XXXX XXXX XXXX XXXX XXXX and XXXX XXXX have been deleted from my credit reports as though I never purchased the property. 

Even though the law states after foreclosure it should remain on your credit report for XXXX years.

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 04/28/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: I am being sued by Midland Funding LLC for a time-barred debt in the amount of {$4100.00}. They have filed a lawsuit in  XXXX   XXXX  TX case #  XXXX . I was never notified by them that they were filing a lawsuit. They are also reporting this time-barred debt to  XXXX . This debt was charged off by  XXXX   XXXX  in  XXXX    XXXX  .

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with CCS Financial Services, Inc. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX XXXX aggressive debt collection became deceptive and dishonest. Resulting in incorrect negative credit report. 
XXXX XXXX deceptive collection activities allowed for a specified number of days to pay outstanding balance before sending the account to collections as per their billing statements. 
XXXX did not honor their disclosures and pushed my account into collections, resulting in the incorrect information reported on my credit report. I requested my service to be disconnected for the reason of going with their competitor. XXXX never closed my account and allowed it to run into disconnection for non payment. Once XXXX was advised they were in error, they continued to treat my account as a non payment, and the amounts were not correct, and have not been given a clear amount due as of yet. XXXX did send an adjustment amount, which I could not verify as valid. XXXX never advised me the account was going to collections, XXXX sent XXXX letters for demand of payment, both were for the wrong amount. 
Clear violation of the FDCPA 15 USC 1692e at the least. 
The closing bill was never sent, the account was never corrected from disconnection for non payment to consumer request to close and a accurate closing bill sent. Instead XXXX adjusts the erroneous inflated amount due to a lower amount and allows XXXX days to pay, without notice they send it to collection and way before the XXXX days were up as per their billing statement. XXXX was paid within XXXX days of receipt of the adjusted bill, which still is a questionable amount.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with TD BANK US HOLDING COMPANY (RI).
Issue: Other service problem

Complaint: td bank was not allowing me to access external applications so i was not able to transfer bitcoin into usd into my account

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: XXXX/ Navient are liars and thieves, as I was working for the XXXX, I could not promote due to a economic crises/ a freeze in Hiring, they Violated my rights as to tell me about the income based repayment system or did n't want to help me in any way. They forced me into default due to the rise of the economy and said I HAVE TO PAY XXXX dollars a month no matter what!. When I spoke to a lawyer the said I was " by law pay XXXX dollars a month ''. They all ways called my phone, contact me at working hours, and violated my rights and lied to me. Every time I called them the message said the did n't want to speak to me and sent me somewhere else ... I 've been very much fed up with them and I was treated like an animal..I have reported them to the XXXX..and would like action taking against these people, as a government back business I thought I 'd be in good hands, I was wrong. I Have payed off my Federal loans and they even screwed up on that ... possible even pocking the money ... I should n't have gone through all of this for a college degree. They forced me in default to get a lot more money out of me, which is wrong and I got XXXX over. I 've been looking at other complaints and almost all of them are the same as mine. Please help me here Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (NV).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: On XX/XX/2018, I submitted a payment of {$25.00} in the system of PayPal extra MasterCard, paypal extra tried to extract {$670.00} ( NOT {$25.00} ) my bank declined the transaction, now they want to charge me {$25.00} late payment and consequently damage my credit history. 

It is important to mention that extra PayPal and PayPal are two completely different banks

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 monetary relief
Consumer complaint received 04/24/2016 about Credit reporting () with EQUIFAX, INC. (NM).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax is ignoring my numerous requests to investigate and remove accounts from my credit report that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: My wife, XXXX ( XXXX ) XXXX XXXX filed her report under case # XXXX # XXXX IN XXXX 2016. The following letter to XXXX, XXXX and Transunion will point out the problems we have incurred in trying to get the credit bureaus to take off XXXX of XXXX XXXX and also XXXX ( all of which were involved in the repossession of our home, which we feel might, infact, be mortgage fraud ). XXXX removed the information ; Transunion removed XXXX of XXXX XXXX as a direct result of you helping us. My wife overlooked that XXXX was involved and apparantly purchased the debt from XXXX etc. I would also like XXXX to remove the same information from our credit. I am attaching a certified letter that we sent to all XXXX XXXX credit reporting agencies which tells our story.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/31/2016 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: *Complaint number XXXX of XXXX My credit report shows collections accounts that seem to have been unlawfully re-aged by the collection agencies and law firms that hold the debts. 

In XXXX XXXX, I had an emergency hospital stay and did not have insurance, so I was billed for the stay. The bill was split up into at least XXXX different collections accounts for varying amounts between {$100.00} and {$2000.00}. XXXX of the XXXX show dates far later than XXXX XXXX. 

Those items are : - XXXX/XXXX/XXXX : XXXX - {$1900.00} - XXXX/XXXX/XXXX : XXXX - {$100.00} - XXXX/XXXX/XXXX : XXXX - {$980.00} These debts were all incurred in XXXX XXXX, but the date of last activity for each of them incorrectly indicates a much more recent date. I have had no contact with any of these creditors and have taken no action that would result in a new date of last activity. I feel that these accounts are being re-aged as an attempt to circumvent the statute of limitations set by federal regulation.

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2016 about Consumer Loan (Installment loan) with Risecredit, LLC (AL).
Issue: Managing the loan or lease

Complaint: This is my third complaint against Elevate ( Rise Credit ). First, was a complaint regarding the violation of Alabama usury law and that consumer had paid in full. Second, Elevate knowingly placed a bogus 30-day late on my credit report and XXXX verified as accurate. In the meantime, consumer received notice from Elevate ( RiseCredit ) that account had been charged off and not paid in full. Third ( this complaint ), Elevate has placed a bogus balance on my XXXX credit report in which XXXX verified, immediately, via phone dispute. Consumer demanded another dispute. This company keeps playing games with my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Attempting to get my excess Escrow balance refunded to me. Current balance : {$1500.00}. Required Cushion/Minimum Balance : {$300.00}. Company admits there is a problem, but will not release funds.

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2017 about Debt collection (Medical debt) with Avadyne Health Holdings, Inc (MI).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: XX/XX/XXXX     - negotiated total out of pocket expense with medical provider.    XX/XX/XXXX  - billed {$280.00}, in addition to insurance payment, for previously negotiated  XXXX .    XX/XX/XXXX  - disputed collection attem pt b y H & R Accounts c iting the Fair Cre dit Reporting Act US C 1681s-2.      XX/XX/XXXX   -  H & R Ac  counts re ported non-payment of disputed debt to  XXXX ,  XXXX  and  XXXX .  H & R Accounts   did not indicate in their report, in violation   of the Fair Credit Reporting Act, that the debt was disputed. Following is the relevant excerpt from the act :  605.  Requirements relating to information contained in consumer reports  [ 15 U.S.C.   1681c ] ( f ) Indication of dispute by consumer. If a consumer reporting agency is notified pursuant to section 623 ( a ) ( 3 ) [ 1681s-2 ]     that information regarding a consumer who was furnished to the agency is disputed by the consumer, the agency shall indicate that fact in each consumer report that includes the disputed information.     I 've info rme  d H & R Accounts th at they are in violation of the Fair Credit Reporting Act and asked them to remove the reports.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2017 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: On XXXX/XXXX/XXXX, I purchased 3 items at a total of XXXX charged to my store card. Over the next month, I returned all three items. For some reason ( I can speculate but I wont ), my return was never actually processed and the balance remained on my card. This was clearly due to an issue on their end. I returned the items in good faith and expected the account to be credited. XXXX instead wants ME to be responsible for their negligence. Of course, I did not pay the card because why should I be out of the items and my money? XXXX is not entitled to both.

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 02-07-2017 about Debt collection (Auto) with SANTANDER CONSUMER USA HOLDINGS INC. (VA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I want to validate the company and get paperwork in regards to how much is owed and verify that the company is valid before setting up a payment plan with a company i have never heard of and/or cant find via internet search. Every site I go to states its scam collectors. I 've been scammed out of money before and will not again.

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 EQUIFAX, INC. (DC).
Issue: Problem with fraud alerts or security freezes

Complaint: on X/XX/17 my husband and I both tried to freeze our credit reports after Equifax ' security breach. Despite repeated attempts and being force to enter our SSN 's, we got this message : System Currently Unavailable - Error 500 We 're sorry. We can not process your security freeze request online at this time. Please try back later. 

To make a security freeze request with the other national consumer credit reporting agencies, please contact XXXX and XXXX : XXXX, XXXX XXXX XXXX, XXXX, TX XXXX ( XXXX ) XXXX XXXX, XXXX XXXX XXXX, XXXX, CA XXXX ( XXXX ) XXXX Thank you for giving Equifax the opportunity to assist you.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2016 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (IL).
Issue: Loan modification,collection,foreclosure

Complaint: In mid 2013 we reluctantly signed a deed in lieu of foreclosure with Seterus Mortgage. We had very poor Response from Seterus ... ..but having no other choice, we signed the paperwork. To this day, we have yet to receive our promised check and our Attorney advised us to get a response from Seterus before he decides to do anything further.

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Genesis Credit Management, LLC (WA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Sent Letter of Validation to creditor and CC 'd bureaus XX/XX/2016. Creditor failed to respond within 30 days to the Letter of Validation. 
Sent Failure to Respond and request for removal to credit bureaus on XX/XX/2016. Received response from bureau, they did not remove item. 
Genesis Credit Management ( collector ) sent partial information on debt on XX/XX/2016, a full 90 after we had sent the original Letter of Validation. We ask that this debt be removed according to the Fair Debt Collection Act.

Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2017 about Mortgage (VA mortgage) with NATIONSTAR MORTGAGE (MD).
Issue: Struggling to pay mortgage

Complaint: I initially started the mortgage process with XXXX and todays before closing XXXX called me and informed me that they had made mistake, and I needed touring an additional {$28000.00} to closing. I spoke to numerous supervisors within XXXX and no one could explain to me what had gone wrong. All they said was that I needed to get the money. 
we closed in XXXX XXXX, XXXX. And my mortgage payment was {$3000.00} now were in XXXX XXXX and Nationstar is now handling my mortgage. And my mortgage payment has increased to increased to {$4300.00} I contacted Nationstar and there response was that XXXX made an error and they would reach out to XXXX and they would contact me once they gotten answer. However that was my new payment. Im a XXXX veteran with a full time job. Thats an increase of {$1200.00} I simply can not afford that. Nationstar has not called me back. And I 'm in fear of going into complete financial turmoil. 
I would 've never agreed to a mortgage payment of {$4300.00}. 
I paid everything I was supposed to. And i feel like I was deceived or they simply do n't know what their doing and they are not being held accountable for ruining peoples lives. 
XXXX and Nationstar mortgage have all the Truth in lending contracts, closing paperwork, as well as all my personal and financial information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I disputed an account from XXXX XXXX XXXX saying it should be deleted .... the reporting agency updated account as oppose to deletion

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 04-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Hi my name is XXXX XXXX and there are fraudulent credit inquiries on my credit reports that I have contacted the credit bureaus about before but it looks as if the companies told me they remove them but actually didn't. I am requesting that all credit inquiries that I have listed be removed off my credit file as I have been a victim of identity theft since XX/XX/XXXX at which point my ex husband was deported for using my identity as well as my sons. Please remove the following credit inquires as they do not belong to me XXXX and XXXX XXXX also there are addresses listed on my XXXX  report and XXXX report that are fraudulent that I have never lived at which at XXXX XXXX XXXX and XXXX XXXX XXXX and XXXX XXXX   XXXX XXXX which are all fraud never lived there so please remove these fraudulent addresses. Also XXXX   is not reporting my job which I have been with since XX/XX/XXXX which is XXXX XXXX XXXX XXXX which needs to be reported as future creditors need to know that I have a stable job. This whole ordeal is draining me physically and emotionally I just want the credit score that I deserve. I always pay me bills on time being XXXX and having a XXXX child and being a victim of XXXX XXXX and identity theft please raise my score to the appropriate rating because what's being done to me is unfair.

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 03-06-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX I have submitted a request for over two years to remove the above accounts off my credit report with XXXX & Equifax advised them to validate the account as I have no knowledge of the XXXX accounts. 

It was removed from XXXX but still remains on XXXX and equifax

Company response to consumer: Closed with explanation