milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/30/2015 about Credit card () with SYNCHRONY FINANCIAL (OH).
Issue: Delinquent account

Complaint: I went to Walmart as I always do to get my weekly shopping done. I have a Walmart credit card through Synchrony Bank that I use all the time for this. I use this card and pay it off at the end of each month. The cashier informed me that the card does not work and is not good. This was very embarrassing, deplorable and shocking for me. Only then did I know that something was wrong and Synchrony had closed my account. After a lengthy conversation the Synchrony representative told me that a third party Debt Consolidation company had contact them and advised that I was in counseling with them and Synchrony had made an agreement with them to settle my debt. I was shocked! This is not right and Walmart/Synchrony explained they could do nothing more for me, that was also shocking. I have been an exemplary customer. I then explained that they clearly have the wrong person. They finally provided me the Debt company info that was on the other side of the United States called XXXX XXXX in California. XXXX XXXX stated they used their clients credit report to obtain the credit card number that they sent to Walmart/Synchrony Bank. I continued to be the middle person ( as the innocent person ) for the XXXX companies and they XXXX seemed to not know what to do. I since found out that the person has nothing in common with me XXXX other than the account number error ) and that this has been reported to my credit report as an adverse event. Negatively impacting my credit. SO to date, Walmart/Synchrony bank has been reporting my credit to this other persons credit report and my report, they closed my account on the word of a third party sharing information with that third party without contacting me and will not correct this serious mistake that has impacted me ( the innocent person XXXX negatively! Everyone admits that this was wrong and errors in security have taken place, but no one is willing to fix this or compensate me for this embarrassment. Now I live with this for 7 years? I need some assistance with this horrific error and violation of my credit security.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-03-2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: EquifaxXXXX is reporting an account that I do not own for collections. I have requested that this information is remove. I believe I need to go back to the Merchant and ask for a refund because after I called the collection agent ( XXXX ) they informed me that this account did not belong to me. The Collection Agency has a request for deletion of this account with XXXX credit companies. XXXX deleted XX/XX/XXXX & Equifax deleted XX/XX/XXXX. Please request an immediate deletion of this error immediately. This has cause my credit score to decline. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2016 about Debt collection (Medical) with ASSET MANAGEMENT OUTSOURCING, INC. (DC).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Threatened to sue me on debt that is not mind. I have requested for validation and verification, but to no avail. I never been to any hospital, nor any doctors. An now these people are calling and threating to take me to court.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
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: RE: Unverified inaccurate items:FED LOAN  XXXXFED LOAN  XXXXFED LOAN  XXXXFED LOAN  XXXXFED LOAN  XXXXFED LOAN  XXXXFED LOAN  XXXXFED LOAN XXXXFED LOAN  XXXXFED LOAN  XXXXI have been back and forth with XXXX and Experian for several months about how they continue to report incorrect information that does not reflect my true accurate credit report. I have supporting documentation from XXXX where I disputed several items XXXX XXXX) that were being incorrectly reported and XXXX completed investigation results came back that these  were unverified accounts and they were deleted from my credit report. I also sent XXXX and Experian a dispute as well around the same time disputing these incorrect items. Their investigations came back Verified. When I sent another letter asking for their verification process method with detailed questions that I wanted answers and documentation proof; I did not receive anything from XXXX and Experian. Yet til this day Transunion and Experian are continuing to report these inaccurate unverifed items on my credit reports. I am uploading supporting documentation from XXXX showing that these items were deleted because they were unverified and inaccurate. XXXX and Experian need to follow suit and delete the abovementioned incorrect items from my credit reports immediately.They must be removed in order to show my true credit history, as these items should not be on my credit report Pursuant to the Fair Credit Reporting Act. I expect this to be completed within 30 days.Please send me an updated report as soon as soon your investigation is complete.

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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax was hacked and lost millions of American citizens information. I was a victim of this and as such now have to pay not only equifax, but the other two credit reporting agencies as well to freeze my account to ensure no fraud takes place. I should not have to pay to correct a mistake that a large corporation has made. The date I was notified ( through the internet, not from the company ) was X/X/2017. Not only did the company not inform me I had been a victim, I had to go to a website they created to check if I was affected. The website also tries to trick customers into waiving their rights to sue in a class action lawsuit when they are trying to find out if they are a victim or not and is a shady business practice.

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
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 'm complaining about Credit bureau Experian. I recently did many disputes against this credit bureau about inaccurate information that was listed on my credit report. I received my credit report and some of the information was not accurate. On my credit report I have an identity theft/fraud identity listed and every time someone use my social security number for credit, the creditor suppose to call me. I never received a call from the creditors and I have disputed many time with Experian about credit inquiries on my report. Here is the following credit inquiries that is listed on my credit report XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX, XXXXXXXX XXXX XXXX XXXX/XXXX/XXXX XXXX, and XXXX XXXX XXXX/XXXX/XXXX XXXX. Second dispute with Experian was one public records ( bankruptcies ) on my credit report. I spoke with a  customer service rep at the Federal Court of Bankruptcy and the rep stated that the court do not verify any public records with the credit bureau. I disputed the one public record again with Experian and they never removed the public records off my credit report. I called Federal Court of Bankruptcy and talk to another customer  service rep and he stated that Experian never contacted them to verify bankruptcies on my credit report. So now I 'm sending a complaint to Consumer Financial Protection Bureau and this week I 'm going to hire an attorney to file an claim against Experian, because they are putting the wrong information on my credit report without checking with the creditors to make sure that I have applied for credit and checking to make sure that the information that they are added is accurate. I 'm so frustrated with the credit bureau, because they are adding information to my credit report and the reps are very rude when you call to dispute items. XXXX has removed the two public records off my credit report, because the information was inaccurate. Now Experian need to have those two public records and credit inquiries removed from my credit report. I have been an victim of identity theft and it is listed on my credit report, so there should be no excuse for this. I will be hiring an attorney to file a claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. XXXX XXXX Experian Re : Inaccurate accounts & Unauthorized inquiries, claiming I owe, threatening to take me to civil court. To whom it may concern : You have continuously reported inaccurate accounts and unauthorized inquiries on my credit file. I am in distress, I have contacted the police department to file a police report against all companies I have listed below, I have also contacted the Federal Trade Commision informing them of the violations that you have violated me as a consumer within the laws of The Fair Credit Reporting Act, The Debt Collection Practice Act Sections 1929 ( e ) which clearly states that any information known to be false can not be reported to any credit bureau. I also received a letter in the mail claiming that i owe a debt to the above collection agencies. Since this is an error, I request that you send me the following proof that you are obligated to do in accordance with The Debt Collection Practices Act section 1692 ( g ) A. The original Application or contract. B. Any and all statements allegedly related to this debt. C. Any and all signed receipts. D. Any and all cancelled checks. Under the law you have 30 days to supply this proof, in addition do not contact me again by phone. From now on we will communicate through mail. I request that you immediately delete this information from my credit report. Please send me a copy of my updated credit report as soon as the above has been completed. Sincerely

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 01/15/2017 about Credit reporting () with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Information was removed and then put back on as a collection account. I paid the account in full

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2016 about Debt collection (Medical) with Retrieval-Masters Creditors Bureau, Inc. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid AMCA in XXXX or XXXX, it was settled at {$300.00} and it is still on my credit report.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Ability Recovery Services, LLC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I began receiving notices from Ability Recovery Services who is or represents XXXX. when I received the initial contact it was months ago via voicemail messages left stating that I owe them XXXX and I need to pay or else. Months have passed and now they pop up on my credit report. On XXXX XXXX I sent a formal request to send proof of my ownership of debt, their response was just another collection letter not responding to my request for proof. They are now reporting to all XXXX bureaus me owing {$22000.00}. It 's been over 31 days and they have not marked my account as disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2016 about Mortgage (FHA mortgage) with LoanCare, LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: There 's a problem with my homeowner 's insurance. I purchased my home XX/XX/XXXX, and my insurance, through XXXX, was setup to be paid with an impound account through my mortgage. For some reason the mortgage company did not renew my insurance account and therefore it was canceled XX/XX/XXXX. When I went to refinance my home this year, the mortgage company saw that I did n't have insurance and added it to my account. The insurance they 've added is much more expensive than my original policy, and I do n't believe I should have to pay the added premium on the months they 're trying to back-bill me for. 

I 've reached out to the mortgage company and have not had success in getting their help. I have called atleast twenty times these last few weeks, and I have made no progress in getting this issue resolved - I 've called today four times, and I have been hung up on every time due to problems transferring, and one representative refused to to transfer me because there 's a balance on my account. 

The person I have been working with his XXXX from the insurance department. XXXX is supposedly a manager in the department. He told me that he would take on my trouble and get to the bottom of it. However, I 've been waiting for over a week for XXXX to call me back, and when I called back in to get a status I was told that there is currently no ticket open, documenting my trouble. 

I just need to get this resolved, so that my credit is n't damaged. I have a balance on my mortgage that I am ready to pay today, but I have to resolve this issue first as it has substantially increased my monthly mortgage cost. I am also in the process of obtaining my own homeowners insurance. 

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 07/13/2016 about Debt collection (Medical) with Receivables Management Partners, LLC (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: XXXX XXXX XXXX is reporting negatively on my credit report XXXX XXXX XXXX is reporting negatively on my credit report and I was n't aware of the reporting until I checked my credit report and saw it. I have n't received any type of bill or notification of the past due amount but yet the company felt the need to report it negatively on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2016 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Since XX/XX/XXXX we have been trying to correct an error in our credit history in reported by the credit bureau. The error continues to this date. In response to our claim the bank send us a letter indicating that error was corrected in their system and that credit bureau was notified ( See Exhibit XXXX ). After several a couple of months of monitoring our credit report we contacted the bank to inform them that correction has not been made. The bank indicated that they did what they were required to do and that the problem is with the credit bureau which has not made the correction. They suggested that we contact the credit bureau and ask for a correction. We contacted the credit bureau but never received a response. 
Attached is evidence that that payment was made and debited our account at XXXX XXXX XXXX on XXXX XXXX, XXXX. 
We appreciate your help in getting the credit bureau to correct the record. We would appreciate a notification of the correction made.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/20/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with NAVY FEDERAL CREDIT UNION (TX).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: To whom it concerns, My name is XXXX XXXX. A month ago I applied for a new XXXX XXXX with Navy Federal Credit union and was approved for a 15.99 % interests rate with a {$15000.00} limit. 

One day a week after I got the card, my grandson logged into my account for me, and I typed a letter to add him as a authorized user. It was approved by secure message. The following week my accounts at Navy Federal were all disabled. I called to see why, verified my identity. I sent them my Drivers License as well as my signature 4 times. They then requested I send in my daughters PoA which I did, then they requested we get proof Im XXXX by my doctor because I cant walk. I use my card online to pay bills, and order things. I mail in my payments. I sent them letters proving Im XXXX and cant walk. From my doctor. I am now being told to contact the fraud department. 

I contacted the fraud department and now I am being told I cant use my accounts unless I get a note from my doctor saying Im mentally decapitated. Which I am not, or I come in branch which I cant because I had XXXX XXXX and am XXXX. I do not leave my house. 

I have complied with all their request and the card shows up on my credit report as active but I cant use it or any of my accounts at Navy. This has gone on over a month. 

No one there cares, and is discriminating against me because Im handicapped elderly. 

This is crazy they wont even let my family speak on my behalf if I give them permission. So now I am turning to you for help further. Because this isnt how you should treat a member. 

Also now they have lowered my credit score because of the inquiries I cant get credit elsewhere.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2017 about Mortgage (Conventional home mortgage) with Sortis Financial, Inc. (MS).
Issue: Trouble during payment process

Complaint: When I signed the paperwork to get this mortgage I was informed by the loan rep it would never be a problem to renew the interest loan. The Clear Spring was very misleading and they would not allow me to continue with an interest only and advised I would have to refinance which was not what they originally told me when signing the loan.I did receive paperwork for a modification but then they advised they would not live up to what they said they would. The company mailed me modification paperwork and would not accept it when it was sent to them as they agreed it would not be a problem to modify the loan to smaller payments or interest only. I tried several times to work things out with the finance company XXXX and Clear Spring. I signed the loan based on false information given from the finance XXXX and their employees at XXXX who worked there. When I advised them of this in several of my emails from the loan company which I do have copies of no one was concerned about the deliberate false and misleading information given. I am now in default of a loan that is more than 4 times the amount owed with no concern from the original lender who has deliberately mislead me into a loan that they knew they were never going to renew without a refinance due to personal opinion and not due to payment history. Let the record show that during the interest only period I was never late until the original lender increased the terms and refused to live up to what they advised also the finance company refused to live up to what they wrote in the paperwork sent to renew on an interest only basis. Clear Spring agreed to modify send paperwork then advised they were not going to live up to their agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2017 about Mortgage (Conventional home mortgage) with FLAGSTAR BANK, FSB (NH).
Issue: Trouble during payment process

Complaint: Flagstar Bank has raised my mortgage amount the last two years by excessive amounts. I was just informed that they are raising my mortgage amount by {$2400.00} annually. They indicated that this is because my taxes and insurance increased by {$800.00} annually. They have Done this at least one year prior.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2016 about Credit card () with AMERICAN EXPRESS COMPANY (NJ).
Issue: Closing/Cancelling account

Complaint: 1. I applied XXXX XXXX platinum card and got approved on XXXX XXXX ; XXXX Ref : XXXX 2. I received new card and started using a card. 

3. My card was being declined on XXXX XXXX. 

4. On XXXX XXXX, I called XXXX security/fraud department number and was told that I will get a call with reference number. Once I have a reference number, I was asked to call back XXXX security/fraud department to verify the account. 

5. I did n't get a call with reference number and called back XXXX security/fraud department again on XXXX XXXX. 

6. I clarified my account and all activity and was told that I can use my card again. 

7. However, my card was still declining. 

8. I called XXXX security/fraud department again. I was told that security/fraud department canceled my account. 

9. On XXXX XXXX, I was told by XXXX customer service supervisor, XXXX, that my account is still active but no new activity can be posted due to security/fraud department action. Only way to reactive my account is closed the account and apply new one. 

I am filing this complaint against XXXX XXXX XXXX for following reasons 1. My account is still active but XXXX does n't allow any new activity. 

2. XXXX does n't allow me to use my card when I verified all my identity/activity since their security/fraud department canceled my account. On XXXX XXXX call, XXXX security/fraud department supervisor acknowledged that this cancellation was their fault. 

3. I am filing complaint against XXXX for their racial discrimination. My wife applied same card and used card for all same purchase I made. However her account was never frozen. Her last name is XXXX ' which does n't imply her XXXX XXXX. I suspect that XXXX security/fraud department selectively chosen my account since my last name implies that I am an XXXX. 

XXXX. I am being told only way for me to use XXXX Platinum product is canceled my current account and apply again. However, my current account has very attractive sign-up bonus offer which was noted in XXXX terms and conditions. XXXX is forcing me to apply to new account which offers much less sign-up bonus offer. I am suspecting that XXXX is doing this since they does n't want to honor originally offered terms and conditions.

Company response to consumer: Closed with non-monetary relief