milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-10-2016 about Credit card () with DISCOVER BANK (DE).
Issue: Closing/Cancelling account

Complaint: 1. I opened my discover card 5 years ago, which was my first credit card trade in my bureau. This card was about to expire in XXXX 2015. Instead of reissuing a same number card w/ later expiration date like other issuers do, discovercard closed my old credit card account and issued a card w/ new number. And when I looked into my credit bureau information, i noticed that my credit history was shortened for nearly 48 months, which is critical since being an immigrant, I only have 5 years credit history. 
2. when i logged in my discover account today, I received a mail stating that discover makes a business decision of closing my account based on my account information. I am always a normal consumer, never being past due and did n't see any legit reason of being close. I have n't felt so furious before and felt like being treated unfairly.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 about Debt collection (I do not know) with Colony Brands, Inc. (MI).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I Called XXXX XXXX starting on XX/XX/XXXX to resolve at debt that I owed in the amount of {$320.00}. this company could not find my account. I informed them that it was in Collections, they then informed me to call the collections agency that they no longer had that account. I then called the collection agency and they could not find the account. I had a order number that I gave the collection agency and they were able to find my account. the collection agency then informed me that they returned the account back to XXXX XXXX. I then called XXXX XXXX on XX/XX/XXXX and informed them that the collection agency says they no longer have that account and I gave XXXX XXXX my file number once again and they were able to find the account. I asked if i should pay them, XXXX XXXX, or the Collection Agency they said that i could pay either one. Before agreeing to pay i asked the associate that i spoke to " Once payment is made in full will the Charge Off be removed from my credit report and He answered yes.I then asked him if he was sure he repeated yes, he assured me as soon as there office receive full payment that the charge off would be removed from both credit bureaus.I sent a cashiers check in the amount of {$320.00} to XXXX XXXX XXXX XXXX. I then called XXXX XXXX Back after payment was made, spoke with a supervisor and He said that they would not be removing the charge Off from my credit report. He Said " that he could but he would not because it is not company policy ''. I informed him of the conversation that i had with one of their Associates and i gave him that persons name. I explained to him that that was unlawful what they did to me.He then apologized and said he was going to have a coaching/training meeting this supervisor said that he that he could return my money and leave the credit report as it was.This is Larceny by conversion and this company has yet to report the the Credit Bureau that the debt has been paid in full.

Company response to consumer: Untimely response
Consumer complaint received 08/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I was a victim of identity theft and I have informed the credit bureaus. I have placed an initial fraud alert on my consumer record on XXXX. I have requested that my number be called to verify I am indeed applying for the credit that is creating inquiries on my credit. I have NOT received any phone calls, however inquiries are continuing to appear on my credit. I have requested these to be deleted on numerous occasions, XXXX, XXXX, XXXX, XXXX and most recently XXXX. All requests returned still on my report. I have also submitted the police report n reference to the identity theft and the inquiries have remained.

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 09-01-2015 about Mortgage (FHA mortgage) with FLAGSTAR BANK, FSB (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: I have a mortgage with Flagstar Bank, I have had this loan with them for three years now and I have never been late on a payment. I use the system of payment that they recommend to their consumers online, and in XX/XX/XXXX their system had an error. I made my payment through their online system on XXXX/XXXX/2015 and the payment in their system showed me it went through. I had funds in my bank account there was no problem processing the payment on my end. But their system had an error and did n't process the payment correctly, or that is what I was told. Their system shows the payment as being returned on XX/XX/XXXX and that is when I got a phone call from them stating that I was now over XXXX days late for my mortgage payment. I asked how that could be, I had made the payment and I knew I had funds available for it. He told me of the error and took a immediate payment over the phone from me to correct it. He told me he could n't speak to me about the XXXX day late mark they put on my credit, that I would have to send in a fax and just wait for a response. I am very frustrated with this! We have an excellent credit history, and have never had a XXXX day late payment even on a credit card much less a mortgage!! Any help would be much appreciated, I feel like if I made my payment through their system and their system had an error, it should not reflect negatively on me for doing it their way.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2017 about Mortgage (VA mortgage) with FREEDOM MORTGAGE COMPANY (CA).
Issue: Trouble during payment process

Complaint: This complaint is in reference to Mortgage XXXX with Freedom Mortgage at XXXX. My calculations that Freedom Mortgage is over-escrowing for property taxes and has not responded to me request to pay supplemental tax bills from this overfunded account. I called initially for an escrow analysis on XXXX XXXX, XXXX and followed up on XXXX XXXX, XXXX and any again on XXXX XXXX, XXXX. In each interaction Freedom Mortgage refused to complete the escrow analysis citing concerns about needing to wait until XXXX. I believe this is violation of RESPA which requires a maximum escrow cushion of 2 months. I have logged my compliant with XXXX XXXX XXXX on XXXX XXXX, XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Rent Recovery Solutions (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I owe for a broken lease and it was sold to a collection agency who is charging what seems like an enormous amount of interest. I would just like to know what is legal in Texas for them to charge in interest. The final account statement from the Apartment Complex is {$1600.00} however, the collection agency is charging an additional {$600.00} for a sum of {$2200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX ( XXXX ) first missed payment XX/XX/XXXX. Target gets judgement XX/XX/XXXX. 7 years credit reporting should end XX/XX/XXXX. Trans Union says XXXX. Does a creditor get XXXX chances to report bad debt 7 years to the credit agencies? First with the first missed payment and second for a judgement for same debt., in my case 1 year later. Loophole : Creditor can report debt when first delinquent then wait till the last month of the 7 year period, obtain a judgement for same debt then get another 7 years of reporting for a total of 14 years of reporting to credit report agencies for XXXX debt. FDCA needs to be amended to reflect that the 7 years clock starts the first month of default, or no payment on the debt and that any subsequent judgement obtained by the creditor does not start a second 7 years debt reporting but fall under the 7 years that started the first month of default or non payment of the debt. The law needs to reflect that a judgement is just a part of the debt collection process and does not make an already reported bad debt as a new separate debt. By changing the law, creditors will have to obtain a judgement in a timely manner and close the loophole that allows them to wait as a strategy to report the debt for longer then 7 years. It will also prevent the creditor from having XXXX debt reporting clocks. The way the law is now creditor can report debt twice, the debt itself, and then the judgement giving XXXX, 7 years debt reporting clocks as if they were XXXX separate debts.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-06-2015 about Consumer Loan (Vehicle loan) with CREDIT ACCEPTANCE CORPORATION (IL).
Issue: Problems when you are unable to pay

Complaint: HelloMy name is XXXX XXXX and I purchased a XXXX XXXX XXXX from XXXX XXXX in XXXX XXXX, XXXX this past XXXX. When I purchased the car I put {$600.00} down and I was financed by Credit Acceptance which is located in XXXX, XXXX. I agreed to pay {$250.00} every month and I gave them XXXX references with all there contact information. I recently had a family emergency and I had to fly to XXXX, I was only there for XXXX days and when I came back I received a call from XXXX XXXX telling me to come to his office because my license plates arrived. This was about XXXX weeks ago and he put my plates on himself but a XXXX later my car was repoed without warning! I never received a phone call or an email neither have any of my references that I left for them. When I called them they told me that the automatic payment system they put me on was blocked by my prepaid card? I normally call to make my payments anyways but with all that I had going on I really wish I would have received a phone call or warning before it was repoed. Now when I called Credit Acceptance they told me my car was moved to XXXX, XXXX which is about XXXX miles away from where I live. After trying to make sense of everything with them over the phone it was obvious that I am dealing with greedy morally incorrect XXXX who did n't care about my issue. However they did tell me if I paid the repo fee and my week behind payment I could pick my car up today in XXXX. After paying them a total of {$540.00} the lady then told me my car was not in XXXX, XXXX but it was moved to XXXX, XXXX! I have been pushed around enough and lied to I am an XXXX Veteran and to be treated like this is very disrespectful and hurtful! My neighbors all saw the man repo my car and saw me try to reason with him because I thought it was a mistake! I am very embarrassed about the whole situation and I just want my car back so I can get to work. According to them I can pick up my car Monday in XXXX, XXXX, I will be taking a train and walking the rest of the way hopefully they will be honest about XXXX thing through this whole ordeal. I am not sure if there are any laws against what they have done if not I would just like the world to know how heartless they are and how they treated this Veteran! My phone number is XXXX, my email address is XXXXXXXXXXXX, Credit Acceptance 's number is XXXX. 
Thank you for you time!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NV).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I have been working on improving my credit score for the last year. In  XXXX  of   XXXX  , I noticed that all  XXXX  of my credit scores from Equifax,   XXXX   XXXX   XXXX   were at  XXXX . The n one  month later in  XXXX    XXXX  , my credit score at Equifax dropped  XXXX  points  in one da y, for no reason. There were no negative or positive changes that occurred on my reports to reflect such a significant decrease in points. This was confirmed verbally from all   XXXX   bureaus. I contacted Equifax again via phone on  XXXX   XXXX  at  XXXX . I spoke with a person who did not identify herself. I explained the situation, and she advised me that the company where I received my credit scores was reporting false informatio n (   XXXX   XXXX   ). I   asked again why my credit score went down so drastically, and that I needed her to walk me through the process of scoring. She repeated herself, and then advised that I needed to purchase Equifax monthly services to fully understand my credit. She said, " the only way you can get your score or understand why your score changes is to purch ase ( our ) monthly plan. '' I asked for a supervisor, who then repeated what the original person said. I spent two hours r esearching, which included the phone call, and got no information or clarity. There was no explanation of any kind concerning my decrease in points. This agency has my life information including any future success I might have on rebuilding my credit. I am concerned with the handling of any personal information this company has and how they conduct business. It is also disheartening that this company refuses to work for the people, instead against them. I will continue to file complaints until there is change.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Debt collection (Payday loan debt) with Midwest Recovery Systems (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Hello, my name is  XXXX , my identity was stolen back  in 2011, about two weeks ago a collection from " MIDWEST RECOVERY SYSTEMS '' shows up on my credit report ( s ), and it is not mine, they claim it was from a payday loan taken in 2011  and that I should " just pay it '', I will NOT pay for something that I did not do! It was a result of ID theft! I want this removed from my credit reports! I hope someone sees this that can actually do something about my problem.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2016 about Mortgage (FHA mortgage) with U.S. BANCORP (AR).
Issue: Loan modification,collection,foreclosure

Complaint: There was to be a foreclosure auction of my house by US Bank on XXXX XXXX 2016 @ XXXX at the Court House. No one showed up from US bank, the court clerk called the Atty of record for the bank at XXXX and was told that the auctioneer had just left and would be there in a hour, that there was going to be a auction. The XXXX clerk came out at XXXX to inform the bidders that the auction had been closed with no explanation. 
I have never been to a public auction that was closed and especially 11/2 hours after the advertised sale time. As the pborrower I tried to call the US Bank to find out more about the closure and got nothing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2016 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (CA).
Issue: Deposits and withdrawals

Complaint: It 's almost comical about how hard it is to do business with USAA or how hard USAA makes it. USAA is impossible to deposit cash with and their XXXX store locaitons do not take cash. 

I recently was paid in cash and went to get a few money orders that were certified payments, yet USAA insists on putting everything on hold. This is a nightmare! 

The iPhone app they say will tell you if the deposit is going to be palced on hold before you deposit and this is true only some of the time. I find that other times after the deposit has been made only then do I get notified that the deposit is going to be placed on hold for " security '' reasons ... yeah right ... .security ... More like USAA wants to hold my money and invest/lend it and then release it to me 6 or 7 days later. Sounds like a good scam to me. This makes no sense. I have yet to deposit a check into my USAA bank account that has bounced. 

Whatever happened to banks doing the right thing for their customers? 

I ask that USAA not contact me by phone regarding this matter, by mail only.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Pressler & Pressler, LLP (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX 's sales and lease sued me in small claims court and was awarded a judgement against me. At some point they sold my account to a dept collection agencies and they received the money from me. I have contacted the collection agency and they are mailing me the form stating that the accounts are paid in full and closed. But when XXXX 's filed their complaint the total amount does not match what I paid in full and they also labeled the account as medical which is not true. I tried contacting them on several occasions so I could get the original amount so I can prove to the court that the dept is paid. I have gotten wrong numbers and out of service numbers and answering machines. I Have left messages and no one has contacted me as of yet. This judgment is preventing me from buying a house. I do n't know what else to do if they do n't respond back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2017 about Debt collection (I do not know) with CL HOLDINGS LLC (SC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: continued reporting of negative inaccurate information on credit report after being told it was being removed.

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (FL).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: Contacted representatives of the company via telephone and emails several times in XXXX and XX/XX/XXXX because of the financial hardship I am experiencing from Hurricane Irma.  However, they continue to plague me with calls, jeopardizing my employment for an overdue payment and would not provide with an answer to my request for a payment deferment on my minimum payment due to XX/XX/XXXX on my credit card accounts.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-10-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Pulled a copy of my online credit report and found that my delinquent accounts are being reported beyond the 7 year reporting time as allowed by the FCRA. 
XXXX XXXX XXXX XXXX XXXX - XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: My current address shows as XXXX XXXX XXXX XXXX, XXXX, CA XXXX. It should be XXXX XXXX XXXX, XXXX XXXX, XXXX, CA 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 01/25/2017 about Student loan (Non-federal student loan) with HEARTLAND PAYMENT SYSTEMS INC (NC).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: With the increasing awareness on tactics of predatory student loans I believe there is cause for a lawsuit regarding my student loans carried by ECSI. 

At XXXX XX/XX/XXXX ( Tuesday ) I was unable to reach ECSI to pay my loan. Their web help line was unavailable and their phone lines indicated there was a 20min wait time. After leaving a message to be called back, my number was never returned. I 've attempted to contact ECSI many times in the past with similar problems. 

Considering my significant balance with ECSI of {$53000.00}, my monthly interest accrual is approximately {$210.00} per day, so around {$7.00} per day. 
Delays in the ability to conduct payments or discuss account problems causes undue financial burdens on the customer. 
Moreover, when trying to give a one time payment on my account, I am unable to pay the same day or day after and only have the option of paying on specified days put forth by the loan company, the soonest date being XX/XX/2017. By delaying my payment of {$25000.00} until XX/XX/XXXX, I continue to accrue a higher debt load as the loan balance is higher over further increasing the amount of interest owed. Also, as I 'm unable to put in a one time payment, I need to set the auto payment to {$25000.00}, have the payment go through on XX/XX/XXXX and then login again and switch the auto payments back to the monthly amount. NO OTHER STUDENT LOAN COMPANY makes their customers do this. This also sets people up for failure. Moreover, their website is down frequently and is very difficult to navigate making mistakes more likely. 

After finally getting through to a customer service representative, he confirmed that yes, there was not way to electronically put in y payment sooner than XX/XX/XXXX. He also said they were updating their website and he would send me the link to the new one but he never sent it. I asked why I was n't able to access this when I searched for their site online. 

Please please look into this company. I had loans with XXXX and this company is going the same thing! Sincerely, XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Debt collection (I do not know) with SYNCHRONY FINANCIAL (NC).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: Date : XX/XX/XXXX Reference : Harassing Robo Calls Frequently Complaint on : Synchrony Bank, XXXX XXXX XXXX XXXX, XXXX Utah XXXX, XXXX. Debt Collections I have received frequent Robo telephone calls from Synchrony Bank on my business telephone. My call log on my report shows calls received from Synchrony Bank as early as XXXX XXXX on XX/XX/XXXX and XXXX XXXX on XX/XX/XXXX. I have telephoned Synchrony Bank and ask them to do not call my business telephone number. I do not have ANY business with Synchrony Bank. I have no open accounts or past due accounts with this bank. On XX/XX/XXXX at XXXX XXXX, I call Synchrony Bank at XXXX and I spoke with XXXX ; she placed my call on hold for more than two minutes, and she did not return to the call. I am requesting your assistance in getting this issue resolved. 
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 non-monetary relief