milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/16/2016 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (GA).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: This organization claims that they do not have written authorization to cease communications other than in writing. I will again send this information to them however, the representative said that she will continue to call until I provide banking information which will allow them to automatically withdraw funds from my account each month. I will mail the agreed payments to them however, she stated that is not good enough and she will continue to call because they do n't consider it an arrangement or agreement unless they can automatically withdraw payments from my 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 10/23/2017 about Payday loan, title loan, or personal loan (Installment loan) with Avant Credit Corporation (WI).
Issue: Getting the loan

Complaint: On XXXX i requested a loan with Avant. Upon receiving a denial email i called to try to find out why as i just had a loan thru them that got paid off. I was informed that that info was unavailable over the phone and the rep could submit the request for a denial letter with more detail to be mailed to me. I made that request and as of XXXX i have yet to receive such letter in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
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 have contacted all three credit reporting agencies about the accounts reporting in error on my report. I have spoken directly with the creditors as well and they will not fix these problems and it is very sad because I am unable to move on with my life. Please help me to remove these items! These accounts are mine and I have submitted an identity theft report as well. The accounts that are reporting that are not mine are, XXXX XXXX XXXX XXXX/XXXX XXXX XXXX ( Reporting twice ) XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX I do n't even have a car!! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX /Reporting 11 times! I paid for my education, never received any financial aid! XXXX XXXX A Public Record filed with a reference number XXXX I have spoken to all 3 Agencies, I 'm not being helped as I should be! I will not rest until these accounts are removed, this should be illegal!

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 07/31/2015 about Debt collection (Medical) with Union Adjustment Company, Inc. (ID).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am exempt under the federal laws protecting XXXX veterans. This company had a change to collect the fees for the hospital bills via my VA XXXX Veterans Administration XXXX health insurance and it did not provide enough information to the VA in a timely manner and now they are trying to collect from me and ruining my personal credit, even though I am exempt from their levy 's and liens and process thereof. I sent them the Federal laws, Title 38 Part IV chapter 53 section 5301a, b, c, d and they still continue to harass me by not stopping the collection procedures. They know that they can never collect this debt, but they said that they would continue to report and collect until someday I pay, they say it is a debt my kids will have to pay. I gave the hospital personnel all the information I had on me at the time and the information I had access to at the time. They seem to think I can call the VA and make them pay. I can not do that and I told them many times. I think this is a third-party debt from one of the doctors and he did not collect from the VA properly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/23/2017 about Payday loan, title loan, or personal loan (Installment loan) with BFS Capital Inc. (NY).
Issue: Struggling to pay your loan

Complaint: The problem is that the payment is {$540.00} a day which is too hard for me. I didnt understand that I will have to pay {$540.00} a day. I thought it would be weekly. Also, when they told me the rate is 1.1 %, I thought it was monthly but they meant daily. I feel like I was trapped into this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: there are many inquires from each of my credit reports that are not mine XXXX XXXX XXXX front point security XXXX 2 times XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX card service the XXXX XXXX card XXXX Transunion XXXX XXXX XXXX XXXX 3 times XXXX 2 times network crs XXXX services XXXX XXXX card XXXX XXXX XXXX XXXX I have sent certified letters to all three credit bureaus and they have ignored my request to remove this information that is not mine. If this continues I will take them to small claims court for removal of this incorrect information

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 01/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
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: Trans Union and XXXX I explain to them that these accounts are not minds they never send me proof of any identification on these accounts even one of them that is an auto car that I never owned I told them to send me A copy of a picture ID purchasing this vehicle and these accounts and addresses all they did is send me an address that I never lived in

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 06/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NV).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: In  XXXX  and  XXXX  my social security number was use to file income tax and I also have over  XXXX  inquiry on my credit report which causes  my credit score to d rop drastically

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: there are debts on my report that have been on my credit report for twenty years. But they are not my debt. XXXX, XXXX, XXXX XXXX and other company popping up with different Social Security Number

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2016 about Credit card () with U.S. BANCORP (NJ).
Issue: Rewards

Complaint: Signed up for US BANK XXXX rewards card during XXXX XXXX, using their XXXX promo site at XXXX. At the sign up bonus given was XXXX plus extra for each XXXX XXXX won. Total bonus should be just around XXXX XXXX XXXX sign up bonus and around XXXX Olympic bonus ). I called US bank in XXXX ( only call made that month XXXX to confirm everything is good with all promo and a female service rep was able to confirm. Now 4 months later US bank is claiming I dont qualify for XXXX extra since they do n't track correct enrollment. I consider this complete fraud and false advertisement on US BANK part. Also after googling my issue, it seems quite a few customers had same issue with US bank not honoring its own promo.

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 06/23/2015 about Credit card () with JPMORGAN CHASE & CO. (OR).
Issue: Credit card protection / Debt protection

Complaint: I contacted Southwest Chase by phone on XX/XX/XXXX, and requested to pay off the highest interest balance ( cash advance ) XXXX. Cash Advance Balance is {$3200.00} and 19.24 % APR. They refused to apply it to the highest interest balance. I paid {$1200.00} online. According to the Credit Card Law of XX/XX/XXXX, regarding " Higher interest balances paid first : When consumers have accounts that carry different interest rates for different types of purchases ( i.e., cash advances, regular purchases, balance transfers or ATM withdrawals ), payments in excess of the minimum amount due must go to balances with higher interest rates XXXX. A common practice in the industry had been to apply all amounts over the minimum monthly payments to the lowest-interest balances XXXX -- thus extending the time it takes to pay off higher-interest rate balances. '' My minimum payment due was {$280.00}. My total balance was {$14000.00} on the XXXX billing statement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/19/2015 about Credit card () with JPMORGAN CHASE & CO. (OR).
Issue: Billing statement

Complaint: Chase Bank insisted that I got an emailed statement for payment due on my XXXX bill, but I did not. I only got an email notification that my bill would be due in 10 days. 
I double checked my " preferences '' on the Chase website and I had not opted out of receiving my statement via email, so there is no chance the statement got lost in " snail mail ''. 
I closed my account which will affect my credit score because I do not believe they were being honest with me in regard to the emailed statement. 
I do n't think my credit score should be affected because I do n't trust a company to produce proper documents so I can pay my bill on time. 
I use a web browser that allows me to go back in time EVEN IF I had inadvertently put an email in the trash. There is no indication that that happened.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Problem with fraud alerts or security freezes

Complaint: I am listed as a potential victim of Equifax 's security breach which was reported yesterday, along with 209,000 other Americans. This breach, and Equifax 's response, are unacceptable. They did not even notify potential victims until several months after the breach occurred, and I did n't even know that I was at risk since I had never used Equifax 's services before. Their handling of user data and negligent security practices have destroyed any confidence I had for them.

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with FIRSTBANK PUERTO RICO (PR).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: in 2015 my wife XXXX, we had a mortgage loan with the XXXX XXXX XXXX XXXX XXXX, she was the co-signer on this loan, so I went to the bank and got the approval for a special forbea-rance or moratory of payments for a year period by the loss and mitigation program of the bank because I am a XXXX and the loan is XXXX mortage loan, but regardless I was approved by the bank to not make payments for one year and only pay XXXX dollars per month, wich I paid on time every month the bank still reported to the credit bureau that I was on delinquency on payments or failing to pay. I understand that this is not fair and the bank was supossed to not report to the credit bureau because a was under a legal agreement with them. I expect there has to be a law to protect the consumers tha are under a hardship situation and had complain with the requirements by the mortgage banks.

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2015 about Mortgage (Other mortgage) with Ditech Financial LLC (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: I have XXXX mortgage loan servicers and I 'm having the same issue with both. I 've already filed a complaint against XXXX, this is for the servicer of my first mortgage, Green Tree Servicing , LLC. 
Green Tree acquired my 1st mortgage when XXXX declared bankruptcy years ago. I declared bankruptcy near the same time, but I signed a letter of intent for both of my mortgages with XXXX at the time ( 1st ended up with Greentree, 2nd with XXXX ) and my payments have been current since XXXX modified my loan under HAMP long before either BK. 
Aside from the initial pain of trying to get any kind of customer service when the loans were acquired, at least they have both improved their accessibility over the years. I did have an unfortunate run-in this year when my payment increased and Green Tree failed to send me a simple statement with XXXX new monthly balance beginning XXXX XXXX, 2015, but that was resolved with XXXX very lengthy and incredibly frustrating phone call to them to figure out why they sent me to collections for what turned out to be ~ {$38.00} shortage. 
My immediate concern is both mortgages are still showing on my credit report as negative because they show closed/discharged in BK. I have contacted both servicers several times to correct the issue. Neither servicer will take responsibility to correct the erroneous credit reporting. Why is this an issue? Because I want to refinance with someone, ANYONE else but the negative marks make me less than a favorable choice for any kind of loan. How are they getting away with this? What other issues are buried in poor management of our mortgages? How do we the consumers fix it?!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 about Debt collection (Payday loan debt) with Crown Asset Management, LLC (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: On Friday, XXXX XXXX this company started robocalling my number, my girlfriend, and my father. On Monday, the calls continued even after I spoke with them and asked to validate the debt through sending me a bill. They Continued to call my girlfriend and father and called me one more time late in the evening with no answer. On Tuesday they continued to robocall and even reached out to a ex in-laws of my girflfriend.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2015 about Debt collection (I do not know) with Highland Capital (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: A recorded voice from " Northwind Associates '' calls saying that they have exclusive information about a debt " -- -- '' and if you are not " -- -- '' then please hang up. Otherwise they threaten legal action if I do n't call them at XXXX which is only answered by voicemail. This is a scam. I never heard of this company and do n't owe any debt. Please track them down and make them stop!

Company response to consumer: Untimely response
Consumer complaint received 08/24/2015 about Mortgage (VA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Loan modification,collection,foreclosure

Complaint: We are in the process of doing a short sale with Bank of america. We have submitted all paperwork and understood because it was a VA loan that it had to be denied for a loan modification before are offer for a short sale could be considered. I have recently moved out with my significant other and our baby girl and have been maintaining the property and our realtor had the lockbox on the door in order to show the property to potential back up offers for a short sale. Bank of America sent safe guard properties into the and drilled out all the locks on the doors and replaced them with their own, they damaged the front screen door, and posted signs all over the house. It has greatly diminished the value of the home and the look of the property. They are making us jump through all sorts of hoops now to get keys to the property and will not return the lockbox they destroyed or provide compensation for it and the screen door they broke. The bank is saying they have every right to enter the premises and do what they did, which is completely illegal.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2016 about Bank account or service (Other bank product/service) with SUNTRUST BANKS, INC. (MD).
Issue: Making/receiving payments, sending money

Complaint: Sun Bank credit card makes Due Date impossible to meet because it is a day when mail is NOT delivered! XXXX XXXX, in XXXX ; Sunday, XXXX, in XXXX. 
I complained in writing to XXXX XXXX in XXXX, FL in XXXX No response. 
Meanwhile, Bank charged me {$35.00} late fee!

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 12/31/2015 about Debt collection (I do not know) with First Recovery Solutions, Inc. (FL).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I received a telephone call from First Recovery regarding a debt that they claiming I have attempted fraud on a financial institution. They are unwilling to provide proof of the debt and have said they will turn it over to their legal team to sue me. I attempted twice to obtain information from them and twice they hung up on me. All they will tell me is that it was a payday loan with a company that I have never heard of.

Company response to consumer: Untimely response
Consumer complaint received 02-01-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: TRANSUNION is illegally and unlawfully reporting information on my credit file. I 'm asking for the following information : a ) Federal Reserve form XXXX registration statement, ( b ) Federal Reserve form XXXX ( b ) ( 5 ) prospectus, ( c ) Federal Reserve form XXXX balance sheet ( s ), ( d ) Federal Reserve form XXXX balance sheet ( s ), ( e ) Federal Reserve form XXXX balance sheet ( s ), ( f ) The Deed of Trust. ( g ) Chain of custody and They have 30 days to responded to my request. I also need TRANSUNION to present a certified final forensic audit in accordance with g.a.a.p, I.f.r.s. in accordance with basel XXXX accord and u.n.c.i.t.r.a.l. conventions. I also need them to present these documents from the following vendors/creditors : XXXX XXXX, XXXX XXXX, XXXX XXXX and 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 05/22/2016 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I pay my mortgage to Specialized Loan Servicing ( SLS ), and recently I received a Notice of Default, for not making mortgage payment. Although, I have made my mortgage payments. I am aware SLS has me sending my payment to a XXXX address, although they are located in XXXX ; while I am a resident of XXXX. 
I have had issues with SLS, before due to them not sending me mortgage statement since I had a bankruptcy, and not allowing me to send my payment through online banking check instead of by mail ; which always seems to delay the process, and probably has accumulated late fees, but I would not know since I do not receive a mortgage statement. 
Overall, no reason for SLS to be sending me Notice of Default ; when they are at fault for not tracking my payments correctly.

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 03/31/2016 about Credit card () with PAYPAL HOLDINGS INC. (NY).
Issue: Unsolicited issuance of credit card

Complaint: I made a purchase through PayPal which I expected to go onto my regular credit card like all of my prior usages of PayPal, but instead I was given a PayPal Credit account. Also, a monthly payment I had begun to XXXX XXXX was billed to this PayPal Credit account ( the following month, and ever since, this XXXX fee has been correctly billed to my credit card ). When I received the first notice that I had a PayPal Credit account, I immediately wrote PayPal that I did not want such an account ; they replied by telling me what a wonderful account it was. I was then out of the country for 6 months. Upon my return, I find that original purchase of {$6.00} ( plus the XXXX charge of {$21.00} which was wrongly billed to this account ) is now considered to be a debt of {$170.00} and has been turned over to a collection agency. I called PayPal and they said that there was nothing they could do. They are deceitful crooks. I refuse to condone this obscene usury and will never pay these fraudulent charges.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I believe in the month of  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , De  XXXX   XXXX  this company had an inquiry on my credit report that I did not authorize.an illegal inquiry.

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