milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/19/2015 about Credit card () with SYNCHRONY FINANCIAL (NY).
Issue: Billing disputes

Complaint: I have a credit card with XXXX formerly XXXX And ShopNbc. I found out today that they said they closed my account because of non payment in six months, I told their Rep thats impossible because i have a print out not only from my bank but from their web site 's payment history which shows i 've made payments since XX/XX/XXXX to as recent as XX/XX/XXXX.The rep then said they never recivied it i said well there are comformation numbers with thoses payments.The Rep then said my account went to collections to a Co. called XXXX " I told the rep i never heard of them let alone recivied any letter 's or phone calls from them. After further probing i found out that XXXX has a misleadind and fraudulant practice of offering a payment plan on items the sell and charge the indivual consumer sperately but do n't inform them of this practice.As my monthly bill statement came in i paid it thinking the monies would go toward the bill.They ( The XXXX said it did not ) so i said had i known this i would not have accepted this or would have paid more to cover this hidden practice.I told the rep that this is a misleading practice as i never seen nor heard of such a thing as you pay but it goes to the princible only. i will seek legal action with the NEW YORK STATE ATTY GEN. As i tried to find someone to help me through their company i was given the ole consumer shuffle transfere here transfere there no solution in sight This is my last resort. Had i look online earlier i would have seen all the compliants about this company. See why the changed their name so often. Then the Rep said i owe for something i told him i never recivied. They also told me that because they closed my account that they erased all transactions? Sound very shifty to me glad i printed out my payment history from their web site.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2017 about Credit reporting () with Factor Trust (PA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I applied on XXXX XXXX, 2017 for a lease with XXXX, and the application was denied in part on information received from Factor Trust. When I requested a copy of my credit report from Factor Trust, Factor Trust refused to provide me with the report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 02/15/2017 about Bank account or service (Checking account) with CITIBANK, N.A. (CA).
Issue: Account opening, closing, or management

Complaint: To whom this may concern, I opened a Citibank Account Package with Regular Checking account online on XXXX/XXXX/XXXX with the promo code CZPE with a promotional bonus offer of {$400.00}. After spending weeks unsuccessfully trying to access my existing Citibank online account due to Citibank online account conflict issue with their credit card account system, I was finally able to submit an opening deposit of {$15000.00} on Thursday, XXXX/XXXX/XXXX. However, their system did not process the deposit and showed a deposit date of XXXX/XXXX/XXXX. I immediately called Citibank about the delay and was assured that the XXXX/XXXX/XXXX deposit date will NOT affect my eligibility claim as they do not process deposits over the weekend. I was told that since XXXX/XXXX/XXXX was on Saturday, the cut off date is the next business day which is Monday, XXXX/XXXX/XXXX. 90 days later, I 've contacted Citibank again and was told that the bonus should actually arrive on XXXX/XXXX/XXXX which is 120 days after the initial deposit ( 30 days of meeting deposit minimum and 90 days to be credited ). Now it 's been more than 120 days and I 've contacted them again, and was told that I 'm not eligible for the promotion although false information was given to me the previous times that I 've contacted them. I am very concern that a major bank will outright tell lies to consumers by providing incorrect statements. This is not acceptable for a major bank institution. I have kept records of online chat sessions with Citibank and taken notes of all calls and phone inquires. I have not been able to get anywhere with my direct interactions with Citibank due to misinformation being provided me and lack of escalation options. I need your assistance in supporting my claim on this matter and bring this to the attention of the public, so others wo n't get misled by this institution and their deceptive practices. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (IL).
Issue: Struggling to pay mortgage

Complaint: After CFPB sent my original complaint to SPS, they sent a short sale approval letter to my attorneys with items needed to close the short sale. Thank you. However, they have not provided a release from liability for me. This is now my third complaint submitted in less than XXXX months regarding this company 's deceitful practices. They are now claiming they have to get the investor 's approval to obtain the release from liability. However, I have a letter from XXXX XXXX XXXX XXXX department stating they ( XXXX XXXX ) are only the trustee of the trust and all decisions regarding this loan are made by the servicer WHO IS SPS ( they claim ). 
I have attached the letter here. The only problem I could see with them not providing this release is if XXXX XXXX is not really the investor and maybe XXXX XXXX XXXX is the investor since SPS now refers to themselves as attorney-in-fact for XXXX XXXX XXXX. I have also attached XXXX letters XXXX from XXXX XXXX I received in answers to XXXX sent out in XXXX. One stating XXXX XXXX is the investor ( but lists an address in South Carolina and there have never been any XXXX XXXX in SC ). The second letter from XXXX then states XXXX itself is the investor on this loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Hello my name is XXXX XXXX XXXX. I have a complaint against Equifax. I was a victim of identity theft 8 years ago. I went to view my credit report for the first time in XXXX 2016. I notice that I had items on my report that was n't mine. I began disputing them. When it came to the inquiries I was told by Equifax that I neede to contact and or write the creditors because they was not responsible for disputing inquiries. I really could n't understand that, considering they disputed the accounts. So I went to the information that the creditors had for the inquiries. Addresses and or phone numbers. Some did not even have phone numbers. However I wrote each and every company. Disputed that I did n't authorize for a inquiry to be ran and please delete from my credit report. I received letters from companies saying either it should n't been a hard inquiry or they have no records of me on there file. I also got several letters back from the post office with insufficient address and addresses that do n't exist. I sent copies to Equifax from the companies and Equifax said they was n't going to remove them. I told them that I did what y'all ask. I send proof and you still wo n't delete them. I trying to figure out how can I do he same thing twice. Some of the creditors do n't even have the correct info. Pleas help me resolve this matter. I did what was asked and they are still treating me bad.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with FAIR COLLECTIONS & OUTSOURCING, INC. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I was contacted by Fair Collections & Outsourcing several years ago about ( XXXX ) accounts that they claimed belonged to me and stemmed from the rental of an apartment at XXXX in XXXX, GA. The collection agency placed these accounts on my credit file at that time. I contacted the agency t make them aware that this was as a result of identity fraud, completed a fraud affidavit packet and also forwarded a copy of my police report that detailed the fraud. At that time several years ago the accounts were removed from my credit file. Just recently I found that Fair Collections & Outsourcing re-reported these accounts even though I had gone through the process of completing the affidavit, and providing the police report. They improperly and re-inserted a previously resolved claim. I have notified them again that these were previously resolved and addressed and they claimed to have no knowledge of that but they were removed from my credit files several years back. This is an ongoing fraudulent attempt to collect a debt that they know fully well I do n't know. When I caled most recently to try to discuss the representative told me that even though it had been deleted and previously resolved the original creditor had decided to continue to collect it and that that had to honor their clients request even if it was a fraudulent account.

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 01/21/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: The address, XXXX XXXX XXXX XXXX ; XXXX, Alabama XXXX is incorrect. I have never resided at this address.

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 12-08-2017 about Debt collection (I do not know) with Northstar Location Services, LLC (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I am being harassed by a debt collection company called Northstar Location Services LLC, looking for someone with the same name as me. My wife and I have verified that we are not the individual for which they are trying to collect a debt, yet we are harassed every day by this company. I spoke to an individual named XXXX XXXX tonight and he tried to tell me I owed money. I told him I was not who he was looking for and verified by year of birth. When I asked to speak to XXXX 's supervisor he hung up on me. I want this company to cease the harassment of my family. 

http : //www.thenorthstarcompanies.com/

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2017 about Checking or savings account (Checking account) with E*TRADE BANK (CA).
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint: MY ETRADE CHECKING ACCOUNT WAS CLOSED WITHOUT MY PRIOR AUTHORIZATION. MY ETRADE CHECKING ACCOUNT WAS FUNDED DIRECTLY BY MY HARD EARNED SOCIAL SECURITY BENEFITS VIA DIRECT DEPOSIT AND I HAD NO WAY TO PREPARE FOR MY ETRADE CHECKING ACCOUNT BEING CLOSED. I HAVE COMMUNICATED WITH ETRADE AND HAVE BEEN UNSATISFIED WITH THE RESPONSE. I WAS TOLD BY XXXX XXXX, XXXX UTAH OFFICE VIA PHONE CONVERSATION XXXX/XXXX/17 THAT THE ACCOUNT WAS CLOSED AND A CHECK WAS ISSUED NO. XXXX IN THE AMOUNT OF {$5500.00} BUT I NEVER RECEIVED THIS CHECK. LOSS OF THIS MONEY GOT ME EVICTED FROM MY FORMER RESIDENCE. I FEEL ETRADE IDENTITY THEFTED ME BECAUSE IT CLOSED THE ACCOUNT WITHOUT ALLOWING ME TO WITHDRAW ANY FUNDS AND I HAVE BEEN SUFFERING WITHOUT THIS MONEY FOR QUITE SOME TIME. I AM A SEVERELY XXXX SENIOR AND THIS IS QUITE UNFAIR HOW ETRADE HAS HANDLED MY CHECKING ACCOUNT WITH THEM.

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX XXXX is complaining that she is the part owner of premises. That XXXX XXXX was a constructive trustee. That ASC ( the servicer ) has failed to assist her or XXXX XXXX to keep the home. The investor is XXXX. Although I have been authorized on the account. XXXX has reported and continues to report negative information regarding this account against XXXX XXXX although there information is incorrect. Please note that this lender has not submitted to any proof of debt, standing and/or default of the terms of loan. In fact I believe that the original note no longer exists and the are attempting to foreclose with a electronic note scanned and altered. There is currently a scheduled foreclosure auction on XXXX XXXX, 2015. I would like for the auction to be stopped pending investigation, negative reporting stopped and for a copy of all credit files including mortgage and mortgage not be sent to me. Please note I have on XXXX/XXXX/2015 i filed a complaint # XXXX however I made a mistake with the name of the lender. It 's the same complaint. Please stop the sale date until we find a solution

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2015 about Debt collection (Payday loan) with Risecredit, LLC (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: RISE Credit of XXXX XXXX, TX ; fraudulently opened an internet account in my name. I did not apply for, nor did I participate in the proceeds of this fraudulently obtained loan. In seeming violation of Federal CIP standards, RISE Credit did not obtain a picture ID nor the copy of any complete, official ID document before they made the loan. This incomplete investigation has now resulted in the fraudulent loan in my name. The driver 's license number they did obtain was not my license number and they failed to obtain the issue date and the expiration date thereof anyway. For all I know, they may have absconded with these funds themselves and are foisting this loan off on me to cover their financing of XXXX or XXXX. 
RISE Credit did not attempt to contact me in writing, concerning this account before they started their " blind '' robo-calls. The email account RISE Credit stated was given in support of this credit application was not my email address and they failed to validate this information prior to disbursing the funds they claim were given to me. RISE Credit evidently relied solely on personal information freely available to anybody through a XXXX or similar search. I had my husband spend over an hour tonight speaking with RISE Credit on my behalf and am now being forced to take time away from my professional practice to " defend '' myself against a fraudulent account opened in my name because of their shoddy CIP practices and incomplete investigation. 
This situation is causing me great angst and anguish, not to mention lost billing from my professional occupation as I now take time to comply with all their unreasonable demands. RISE Credit seems to exhibit an overly cavalier approach to the federally mandated Customer Identification Protocols. I demanded that they close that loan, remove my good name and insure the credit reporting agencies have removed the disreputable name of RISE Credit from my record lest other legitimate entities find that squalid moniker on my good credit record. They have been placed on official notice that this account was obtained by fraudulent means. 
In support of performing the onerous tasks they demand be undertaken by an innocent fraud victim before they acknowledge the obvious, I have requested they immediately remit copies of all credit application data, credit reports obtained, proof of all identification attempts made, all checking account information where the loan funds were disbursed, and all records of their contact with the real applicant. I also requested they provide and explain the relationship of the agents or proxies used to obtain my credit information without my consent or any proof of permissible use, in direct violation of the Fair Credit Reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2015 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Good afternoon, In response to CASE NUMBER XXXX - EXPERIAN AND XXXX added MORE DAMAGE reporting a XXXX CHARGE OFF to an account that is already CHARGED OFF. 

I 'm in need of assistance. I 'm hoping you can see to it that this gets resolved. 

XXXX XXXX had the XXXX lien on my property located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. The property went to foreclosure in XX/XX/XXXX. XX/XX/XXXX was the last reported date on my credit report revealing I was 120 days past due. This was my last time since negative. 

XX/XX/XXXX I discovered XXXX was reporting that I had a monthly obligation of {$23000.00} on this old debt. This was reflecting in my monthly DTI. I disputed this information through Experian XX/XX/XXXX when my Credit Score was XXXX. I have been rebuilding my credit since the foreclosure ( XX/XX/XXXX ) and imagined that this erroneously large monthly obligation 's removal would only help me. Instead, XXXX XXXX eliminated the monthly obligation and updated the status to a charge off as of XX/XX/XXXX. 

Now my credit report says I have a RECENT LATE as of XX/XX/XXXX and XX/XX/XXXX - but the last time I was late with payments was XX/XX/XXXX. XXXX recent reporting of my charge off occurred in XX/XX/XXXX and now XX/XX/XXXX because of my recent complaint. They updated their records to reflect CHARGE OFF XX/XX/XXXX. Their adherence to erroneous reporting makes lenders and other affiliates assume I was recently late on my obligations. I DO NOT HAVE A CHARGE OFF AS OF XX/XX/XXXX or XX/XX/XXXX. But as you can see on the evidence provided I was NOT late on any payments in XX/XX/XXXX. ( I have n't been late on any payments since XX/XX/XXXX. ) How could I be late on an account that has been closed since XXXX? Compass wrote that the balance is past due as of XX/XX/XXXX and now XX/XX/XXXX but I was 120 days past due from XX/XX/XXXX. 
LENDERS will NOT approve me for a mortgage because it says I was recently CHARGED OFF. How can I now have XXXX CHARGE OFFS on XXXX ACCOUNT? 
I was recently declined a mortgage because of this reporting. Even though the notes say the Charge Off will drop in XX/XX/XXXX suggesting it is an old charge off their reporting is erroneous and inaccurate and make it appear that this is recent. I DO NOT HAVE A CHARGE OFF IN XX/XX/XXXX OR XX/XX/XXXX. THIS ACCOUNT IS FROM XX/XX/XXXX. CLOSED IN XX/XX/XXXX. YOU CA N'T REPORT ON A CLOSED ACCOUNT. 

Per Experian my Time Since Negative is .1 years ( point one years ). Please help. I have n't been late since XX/XX/XXXX and it is all related to the foreclosure. 

Please help. The Time Since Negative is completely inaccurate. Please remove the negative date and have it report accurately to reflect that the time I was last negative was XX/XX/XXXX. 

Thank you kindly. 

XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2016 about Mortgage (Home equity loan or line of credit) with TD BANK US HOLDING COMPANY (CT).
Issue: Credit decision / Underwriting

Complaint: TD Bank 's XXXX loan department is employing unethical and possibly illegal " bait and switch '' sales tactics. The CFPB is hereby requested to investigate this bank 's operating techniques. 
Background : I applied for a home equity loan with the merchant o n XX/XX/2016 and after their check of my credit score and income received confirmation of the rate and amount promised by the TD sales rep initially. The TD loan processor then informed me on approx XX/XX/2016 that the bank was significantly increasing their offer interest rate and decreasing the loan amount based on, they claim, an appraisal. Their appraisal value is dramatically lower than one I had done just a few years ago and during the depths of the great recession, which does n't make any sense as property values around here have only increased since then. I have had other appraisals done over the years from previous refinances that reinforce my understanding of the property value. XXXX down with the TD loan processor reveals their appraisal uses some kind of hokey internet-based estimate and the TD underwriting department has refused to go by the traditional, more accurate, industry respected comparable sales appraisal. TD has obviously implemented a scheme to defraud consumers by using a low-ball fake property valuation methodology.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Application, originator, mortgage broker

Complaint: i have a 1st and 2nd mortgage on my home. I am trying to refy my 1st only to change it from an adjustable to a fix rate, nothing more not trying to get any money or anything out of it. they have sent a subordination to the 2nd as they are supposed to do to let them know what going on. I started this process in XXXX of 2016, I signed a paper and sent a letter stating what I was doing, they wanted a real signature so I got them a real signature then they wanted my address on the form so I did this then they wanted all this on another form so this was done. my 1st mortgage sent them all the paperwork and we have been waiting for months now to hear back from them they keep saying it is in review, meanwhile I keep getting extentions for a price lock on my first they have put several of these on and they do n't know how many more they will be able to use since they are limited. my mortgage is supposed to be going up in XXXX which is next week that why I had started this process well ahead of time my mortgage company said that this usually only takes a couple of weeks so why is it the 2nd has taken a few months which it should only take a week or so. I am at a loss here and am trying to get this all take care of I have talked to them but they are in no way any help at all they said they just received it on the XXXX, but when I spoke they admitted it was early XXXX. they said it takes 5 days then another 30 days the first cant wait that much longer and the 2nd said this is if it is approved why would n't they approve it nothing is going to change for them. I do n't know if you guys help out in this situation or it just a place to make a complaint, but if you can get them to expedite this it would be extremely helpful.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation