milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/28/2017 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I was only about XXXX or XXXX when I had a lady from Kohl 's Department store call me about paying off a debt who ended up making me feel even worse than I already did about owing money. When I explained to her that I could not pay anything because I was trying to finish school and that I paid for all of my own bills without help, she told me that I need to grow up and pay off my debt like a normal adult human being. She asked if I it made me feel good having debt. I do n't remember what I said back to her exactly but her words stuck with me and made me feel for a while. I felt horrible for owing money. I wanted to be responsible and take care of the debt but under my circumstances at the time, I could not.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2015 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My parents credit information is on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Equifax has failed to cease reporting the inaccurate information on my report noted below. I have filed numerous disputes, notified the creditors, hired a credit agency to assist me to no avail. 
1. XXXX XXXX XXXX is being reported by Equifax as charged off, this is not my debt. 
2. XXXX XXXX XXXX is being reported by Equifax as charged off, Potentially negative this is not my debt. 
4. Inquiries on my report were unauthorized : Power Pay, XXXX XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2018 about Checking or savings account (Other banking product or service) with TD BANK US HOLDING COMPANY (NY).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: Im trying to link my TD BANK checking account to XXXX XXXX XXXX XXXX ( US ) and TD Bank is for some unexplainable reason NOT allowing it and when I call customer service they pretend they dont know what Im talking about Please make them comply

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2016 about Credit reporting () with Experian Information Solutions Inc. (SC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Experian, The way the system is set up, it discriminates ( see attached XXXX pages ) against people that pay their bills on time. In my case, not only are they discriminating against me, the Credit reporting agencies have wiped my credit history out and have dropped my credit score down to XXXX from XXXX. It 's as if I have never had credit, I 'm being treated as if I have BAD credit. Auto/home insurance rates have gone up. If I borrow money my interest rate has gone up 1.5 %. I 've been denied credit cards and my checks are being denied by a company called XXXX, due to my credit score. XXXX will not authorize my checks. As of today ( XX/XX/2016 ), my score is XXXX. 
I want my credit score to reflect my outstanding payment and credit history over the years. Not just the past three months. 
Question : How is this system fair? As stated above, the credit reporting agencies are set up to discriminate against individuals that pay their bills on time or early. If you read their own definition/explanation. the credit reporting agencies what to force you into debt in order to obtain a higher credit score.

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 07-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have a soft inquire from  XXXX   XXXX . I never had no dealing with   XXXX   XXXX  . Please remove this from my inquires. Hard inquiry from  XXXX . I never had no dealings with  XXXX . Please remove.  XXXX   XXXX   XXXX  has been close d ( Paid and closed ) and should be removed from my report .  XXXX   XXXX   XXXX    XXXX   XXXX    XXXX   XXXX   ( C LOSED ).  XXXX   XXXX   XXXX    XXXX   XXXX    XXXX   XXXX   ( C LOSED )

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 12/26/2017 about Debt collection (Medical debt) with LTD Financial Services, LP (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have dispute this account with the credit bureau 's because it does not belong to me, yet, it still remains on my credit. Upon investigation of my own, I have found that they are not licensed to collect debt in the state of Florida.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: This company, Select Portfolio Servicing , Inc ( SPS ) is a mortgage loan servicer. 
The company calls our phone number, a cell phone as early as XXXX in the morning repeatedly. We have asked them to stop XXXX times. We have been patenbtly clear they are calling early. 
They claim since the phone they 're calling has a XXXX area code ( time-zone difference ) they do not have to stop. Even though all our account information including the mortgage property address is in California and always has been. On occasion they apologize and say they 'll resolve the issue. They do not/have not resolved it. Occasionally SPS is combative and claim no responsibility to solve the problem. 
We need to communicate on that phone but not before XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2017 about Checking or savings account (Checking account) with CITIBANK, N.A. (NY).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: In XXXX 2017 We received 7 letters stating Citibank was closing all of the accounts in my household. The accounts consisted of my husband and me, as well as XXXX of my children. The letter ( which I no longer have ) had no explanation as to why they were doing this. They said they have the right to discontinue business with anyone for any reason they choose. We promptly withdrew all of our money ( XXXX ) from citibank at that point. I contacted the executive offices for Citibank and was told " It was a business decision and business decisions ca n't be reversed. '' A couple of weeks later without notice our XXXX XXXX  XXXX card and XXXX card were cancelled.. which was quite an embarrassment. I since have attempted to re-apply for the XXXX XXXX XXXX card and was denied. I will attach the letter ( which is very concerning to me, my husband and our children ). I am worried for our financial future. I applied for another XXXX not associated with XXXX and was quickly approved. I have also opened another account with a different bank.

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 08/22/2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: XXXX refuses to re-invistigate legitimate disputes. I keep getting generic responses stating that they have already investigated, but do not provide proof as to what they used to verify the accuracy. I know the disputes I am making are legitimate and not my accounts. They have also refused to re-investigate inquiries that I know are not ones I have made and are hurting my credit score.

Company public response: Company chooses not to provide a public response
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 NAVY FEDERAL CREDIT UNION (CA).
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: Unverified Accounts : I have recently received a copy of my credit report from all 3 bureaus and found a number of inaccuracies pertaining to the accounts listed below. I have contacted said bureaus to dispute these reports requesting, specifically the SIGNED contracts that they have on file with these companies. Not ONE company returned any signed contracts as requested because I DO NOT HAVE CONTRACTS with any of the companies. I have not received goods or services from ANY of the listed companies and yet they continue to report erroneous accounts to the credit bureaus simply stating that they have verified the account without any signed contract.
FCRA Under Section 611 ( a ) ( 5 ) ( A ) ( 1 ) States " ALL 3 credit reporting agencies must have ORGINAL signed paperwork in their physical possession before they can report it to you credit file. '' These entries on my credit report are in direction violation of this section as well as FCRA 15 U.S.C Section 1681i : states " All unverified accounts must be promptly deleted from a consumers credit report ''. Yet these accounts still remain without the bureaus requiring the signed contracts as requested.
It was requested that these accounts be deleted if said signed documents were not produced. Original request was last sent to all three credit bureaus on XXXX XXXX, 2017. The creditors listed on my reports are as follows : XXXX XXXX Acct # XXXX Bal : {$380.00} XXXX XXXX Acct # XXXX Bal : {$1700.00} Navy Federal Credit Union No Account # listed Bal : {$27000.00} XXXX NO Account number listed Bal {$0.00} XXXX XXXX Account # XXXX Bal {$1400.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (VA).
Issue: Loan servicing, payments, escrow account

Complaint: I paid my mortgage on XXXX/XXXX/15. My mortgage company reported me late to the credit bureaus. I contacted my mortgage company to discuss why they reported me late when I was n't and they indicated that even though I made my payment on the XXXX/XXXX/15, it was not posted to my mortgage account until XXXX/XXXX/15. The mortgage company indicated that if the payment is made after XXXX., it is posted the next day, making my payment late. I paid my mortgage online using their website and my statement indicates that payments received by XXXX local time will be applied the same day as received. I can not control when my mortgage company posts my payment to their system, however, my payment should credit my loan account the day it is received. I spoke with an account manager who said there is nothing that can be done. Per my research on the Federal Trade Commission site, " a servicer must credit payment to your loan account as of the day is it received ''

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Debt collection (Auto debt) with CL HOLDINGS LLC (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Jefferson Capital s ystems is attempting to collect on debt that I never established a contract with them on. Without a contract there is nothing legally binding me to pay this company any money.At this time I will also inform you that if your offices have reported invalidated information to any of the  XXXX  major credit bureaus (  XXXX ,  XXXX  or  XXXX   ) t his action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports.      Jefferson Capital s ystems are in violation : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/22/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Shellpoint Partners, LLC (CO).
Issue: Loan modification,collection,foreclosure

Complaint: Shellpoint Mortgage Service XX/XX/2016 ATTN EXCALLATION DEPARTEMNT LOAN NUMBER XXXX XXXX, Chief of the Escalation Department. 

Dear XXXX : I am in receipt of the letter send from you Department on XX/XX/2016- Someone is CLEARY NOT PAYING ATTENTION TO MY ACCOUNT : OR THE RETENTION OF MY HOME- When I received the call on XX/XX/2016- from XXXX he knew that the DOLLARS where incorrect on my Modification Denial with the UNDERWRITING DEPARTMENT not adding any rental income. In addition, his superior called me per my insistence in the Denial of the Modification an also concurred that there was no rental income and the Modification showing a NEGATIVE loan ratio of ( -140 % ) -- Debit to income- NOW let 's look at page one of your XX/XX/XXXX letter FROT with ERRORS- and misinformation. 
# 1 My net income for EXCURSIONS as sent in is $ XXXX That is my SEDAN CAR BUISNESS No added correctly is the long term rental property income of {$5300.00} discounting the income per HAMP at 75 % is a positive {$3900.00}. THAT would clearly make a monthly NET income to me of {$6500.00} per month NET to ME XXXX- take away the MORTGAGE PAYMENT for the rental unit of {$2600.00} = {$3900.00} take away with a new HAMP MODIFIED PAYMENT on the balance of {$370000.00} on a 2 % note the payment would be at {$1300.00} per month- plus taxes and insurance of roughly {$500.00} per month I would be at 50 % LOAN TO VALUE NOT NEGATIVE 140 PERCENT- SO, let 's look at {$6500.00} a payment of {$1900.00} would be a positive 32 % Debt to income ratio- Now please try to explain this to the Consumer Protection Bureau- your response is not posted on my site and a second note was sent to you for my concerns of your response. 

XXXX CO XXXX- XXXX CC XXXX Attorney on File and the Consumer Protection Bureau. 
\

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (TX).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I have been contacting Synchrony Bank since the beginning of XX/XX/XXXX ( see Attachment 1 ). I recently paid off my card with a {$1900.00} payment, then purchased a new item for {$840.00}. 

An initial response stated from XXXX XXXX stated on XX/XX/XXXX, " Your statement will print on or around the 21st of each month and your due date will be on the 14th of each month. Currently you will not have another payment due until XX/XX/XXXX. '' Since that time I have been seeking clarification to this answer through their website on multiple occasions ( see Attachment 2 ), and during this time I keep getting the same answer, " we were required to escalate your request to our corporate office for handling '' yet NEVER AN ANSWER from the corporate office in over 3 weeks. 

Now I am being fraudulently charged an interest charge of {$10.00} for a new purchase of {$840.00} when Synchrony clearly stated my first payment was n't due until XX/XX/XXXX ( see attachment 3 ).

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 09-09-2016 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: My social security number is showing my sons social security number as my own I have tried 6 times to resolve this mixed up issue with all credit reporting agencies, I have Faxed, called and paper mailed copies of my accurate personal info. to mixed department disputes with a bold heading " Update Personal Information '' Equifax, XXXX ; XXXX. Without any corrections being made in spite of my ss card copy my pa license copy and my 2016 XXXX copy. The only response I was sent was another request to verify my personal info. asking for the same Id verification items. This is frustrating, as my son is only XXXX and is just starting out fresh with his credit building. I am just insisting my correct ss number is changed to my correct number! Please help! 
Thank you for your time and concerns regarding my problem XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: Beginning in XX/XX/XXXX, I submitted certified letters to XXXX XXXX XXXX in reference to a charged off balance of {$1000.00} and XXXX XXXX XXXX with a collection balance of {$1000.00} asking for validation of the alleged debt owed. ( eg. my signature showing that I had entered into a contract with them ) I was sent a copy of an invoice from the collection agencies, and a letter from the credit bureaus stating that the account had been verified. I then sent another dispute to the collection agencies asking them to provide me proof and not an invoice showing that the debt was indeed mine. I again received a copy of an invoice and a letter from the bureaus stating the account was verified. 
In XX/XX/XXXX, I sent dispute letters to Equifax and XXXX requesting validation of the debts reported negatively on my credit reports. I once again received a letter from the bureaus stating the accounts had been validated, but I have received no proof. 
In XX/XX/XXXX, another dispute letter was sent to the bureaus with another response from then stating " validated '', but with no proof of the validity. 
I have been diligently working to have these items removed from my credit file as these items have been impacting me negatively in my pursuit to purchase a home. All I 'm asking is that I am provided with proof that these items belong to me- An invoice is NOT proof. 
Any help that you can give would be greatly appreciated. 
Thanking you in advance!

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2017 about Mortgage (Conventional fixed mortgage) with FLAGSTAR BANK, FSB (NY).
Issue: Loan servicing, payments, escrow account

Complaint: Due to Flagstar 's mistake, I had to incur an additional {$200.00} charge. They now belatedly and incorrectly claim ( after initially basically conceding that it was their mistake ) it was my mistake. 

Here 's the background : we have a mortgage through Flagstar, and our property insurance is paid through escrow they collect. We purchased the property in XXXX of XXXX. In XXXX of XXXX, Flagstar accepted our property insurance policy ( in only my brother 's name ) and renewed and paid for ( out of the escrow ) our policy in XXXX ( with only my brother 's name ) and then now in XXXX they refuse to accept it/pay the renewal from escrow because my name was not also on the policy. 

A representative ( who was very polite ) first informed me over the phone that it appeared that they had previously made a mistake in renewing it. So, I reached out to my insurance agent to see what they got do and arrange for them to speak with Flagstar. I called Flagstar back and they informed me over the phone that they had renewed it in XXXX as a " courtesy '' but never told me they had just renewed it as a " courtesy. '' ( Nonsensically they claimed they " renewed '' it in XXXX as a courtesy as well, but that is when we first got the policy ). They then claimed that they 'd sent me three notices about this issue. Remarkably, they only mailed me a letter dated XXXX XXXX, XXXX informing me that they refused to accept the policy ; I received the letter on XXXX XXXX, XXXX, a Saturday and the very day the policy expired. The two prior letters were sent in XXXX and XXXX *prior to Flagstar 's renewing the policy with just my brother 's name*!. Now, because Flagstar refused to extend their prior " courtesy '' ( if that is even why they renewed it in XXXX ; their first customer service rep. told me it was likely renewed by mistake ) or at least notify me in a timely fashion, I had to pay an additional {$200.00} out of my pocket to extend the insurance so it could be re-submitted to Flagstar. When I tried to speak with Flagstar about what to do, they shouted at me repeatedly ( a different representative named XXXX XXXX and only recommended I buy different insurance. Remarkably, the money to buy the insurance is sitting in escrow. So, I had to pay out an additonal {$200.00} because of Flagstar 's error

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XXXX.XXXX.2018 XXXX the security company did a hard credit check on my credit worthiness regardles of the fact that I did not reques an XXXX  installation for myself and I gave my conyact information just to facilitate the scheduling for an estimate for one of my clients. I gave the client name, address and phone number to the XXXX rep and I only gave my name and phone number just so I can be present and open the house for the XXXX technician that came for the estimate. I was not asked or advised by XXXX about this credit check. 
I called today XXXX and told them about this mistake. They appologized and refered me to their Escalation Department to help fix this mistake and remove the inquiry from my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2017 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: XX/XX/XXXX I lost my job, I asked Seterus for a forbearance ( 4 ) times in writing. They would never response .I would call Seterus and the rep would tell me ( they needed to know when was I going to pay my debt ) no could give me information on the packages I was submitting to Seterus fro help. I called Seterus in XX/XX/XXXX, to inform them that, I found a job and would start XX/XX/XXXX.I rep. that I was speaking with indicated the reason I was turned down, because Seterus had my property listed as land. At, this point I still need help, my earning is {$XXXX} hr x 40 hours a week. I can not afford the offer. The forbearance was denied, at it clearly indicates my condition. I have been offered a XXXX Loan Modification which is {$100.00} less than the original mortgage, which I cant afford.

Company response to consumer: Closed with explanation