milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-11-2016 about Debt collection (Medical) with SYNCHRONY FINANCIAL (AZ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: received XXXX calls within 2 hours on XX/XX/2016,4 calls on XX/XX/2016 where I talked to a rep that insisted I make payment even after I explained to him in detail 3 times that no funds are available until after XX/XX/2016 and to please stop blowing up my phone. 
so I received XXXX calls on XX/XX/2016, XXXX calls XX/XX/2016, XXXX calls on XX/XX/2016 and XXXX calls with a real voicemail so far on XX/XX/2016. other calls also had voicemail but only *dead air*. 
clearly the company is either not keeping records of their customer contacts or they just do n't care about FDCPA. 
the company is a bank dealing with medical care credit- synchrony 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 01-08-2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Loan servicing, payments, escrow account

Complaint: BOA is requiring approximately 3 times the amounts due for escrow. Please provide a copy of any relevant regulation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions 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: RE : Re-Aging Credit Account FTC Compliant ( FCRA ), 15 U.S.C. 1681 e t seq.   XXXX  I disputed the account below as a re-aged account and received a reply from the  XXXX  credit reporting agencies stating that the account had been verified and is accurate.   The account was removed from my credit report in   XX/XX/XXXX , Seven 7-years after the date of first date of first delinquency. The collection agency updated the account on  XX/XX/XXXX , showing, the collection agency re-aged the account after the original creditors date of first delinquency in  XX/XX/XXXX . The re-ag ed debt is past the statute of limitations.   Please delete this re-aged account immediately.

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 04-05-2017 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (PA).
Issue: Problems caused by my funds being low

Complaint: I have had an account with citizen 's bank for over 20 years. I have direct deposit for my social security check scheduled for the XXXX Wednesday of every month and pension check deposited on the XXXX. Twice now, checks that were deposited in the back the day of the social security check came in was flagged for insufficient funds and I was charged {$35.00}. The money is on deposit at XXXX so I do not know why I was charged. There was money in the account to cover the check. Another time, I overdrew the account by {$2.00} and had {$400.00} in the same bank but I still was charged an additional {$35.00}. They " improved '' their web site and I had trouble navigating it and had reported my problem. ( I a XXXX years old ). They said I had to link the accounts yet, I could n't figure out how to do that. Lastly, after the last {$35.00} charge, I changed banks on XX/XX/2017. Even though my deposit was made on XX/XX/XXXX and there was plenty in the bank to cover the check that came in the same day, I was charged another {$35.00}. When I complained, they put an additional penalty of {$30.00} as a " service " charge and said I could not close out my account until the charges were paid.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04-07-2017 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Advertising and marketing

Complaint: I was misled and charged an annual fee of {$75.00} on my first statement. 
An annual fee was not indicated when I applied for the card. 

The application was made on an XXXX flight. 
Airplane attendants discussed and gave out applications which were then completed and given back ti the attendants.

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 monetary relief
Consumer complaint received 12-06-2017 about Debt collection (Other debt) with LENDMARK FINANCIAL SERVICES (MD).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: This is the 2nd complaint for Lendmark Financial located at XXXX XXXX XXXX, XXXX, MD XXXX. This company call me daily and leave messages to call them or else. Now they are calling references ( family members ) telling them about this loan. My sister notified me of the phone call yesterday ( XX/X/2017 ) and she now has blocked them from contacting her as well. I pay this account every month and they still call harassing me for payment even if the account is late one day. They also ask me to make post dated payments, which I refuse to do. Every since I wrote the first complaint about their collection practices, the calls of harassment worsened with intimidation to scare me into making a payment. They call from anonymous phone numbers ( someone name XXXX called from XXXX - I have the recording ). This loan is completed and at the end of the term ( they even sent a letter stating this ), they are harrassing me for interest they tacked onto the loan, fees or extra charges.

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I 'm a victim of identity theft and Equifax refuses to remove these XXXX accounts from my credit file with is in violation of section 605B. I just do n't understand the logic behind this or what 's going on! How does this law protect me if the bureau does n't abide by it? I never received any documentation proving ownership, I receive statements that these are mine and that they have been verified. How were they verified? Where 's the documentation? Where 's the original contract with my signature? Who did they speak with? What was the date? Was it via email, phone, fax, etc.? This is not fair that someone can steal my information and utilize it like this! Someone obtained medical services with my information and then did n't pay it. Someone opened an auto loan with my information by walking into this dealership with my pieces of identitification and they left there with a vehicle. They can repo the car! I do n't care because I do n't have it! I never had it! I want this information off of my credit file immediately and I have no problem making a complaint with the Attorney General. Actually, I 'm going to do that right now.

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On several occasions I have  notified Chase of unauthorized inquiries on my credit reports, but they continue to obtain my credit reports without my permission. I have not requested a card from them, but every couple of months I am notified of a  UNAUTHORIZED hard inquiry from my credit monitor. I do not have a card with this company and I want th em to stop requesting my credit reports without my permission. This ongoing action keeps lowering my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-12-2016 about Bank account or service (Other bank product/service) with AMERICAN EXPRESS COMPANY (OR).
Issue: Deposits and withdrawals

Complaint: When I asked the representative for American Express Serve what country he is in, he stated " United States ''. I do not want to give out my personal social security and date of birth to persons outside of the United States. He lied to me to get the last XXXX digits of my social security number.. When his supervisor answered the phone she, I asked her what country she is in, she started to dance around the question, then answered " XXXX ''. 
I asked the question because I do not give out my personal information to service people not in this country. 
This is fraud. 
This is fraud at the service level.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01-05-2017 about Debt collection (I do not know) with MRS BPO, LLC (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They call me over and over again every single day, several times a day.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 02/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CO).
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: Experian is stating they will not remove the Bankruptcy off my credit report and they won't do another investigation because it has already been verified. The problem I have with this is that they have not provided me with the person who verified this and the source they have received the verification from and it is unlawful of them to refuse another investigation when I am disputing an item. I have contacted the courts and they have informed me that they don't give any BK or Tax Lien information to the credit reporting agencies. Which means that Experian has added this BK to my report unlawfully. If they don't remove this BK with out showing something with my signature on it I will have no other option but to file a lawsuit against them in the sum of {$10000.00} for damages to my credit history. Also by Law they have to show proof of my signature somewhere that I did this Bankruptcy and they can't provide that.

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 09-11-2016 about Credit card () with WELLS FARGO & COMPANY (NY).
Issue: Unsolicited issuance of credit card

Complaint: I had gone into a Wells Fargo bank when I lived in XXXX XXXX California because I lost my Debit card, the teller had me meet with one of the managers at his desk, and they tried to talk me into a college credit card I told him I did n't want another credit card and no thank you I just needed a replacement debit card. Two weeks later I received a credit card and a debit card in the mail. I was so aggravated I worked XXXX jobs and was taking XXXX units in college I did n't have time to go to the bank or to sit on the phone right away to cancel the card. Within a couple of weeks I had a small overdraft and it went strait onto the credit card and at that point I knew this was going to show up on my credit report and I was trying to keep my revolving credit low. Since then I have been trying to pay this card off and close the account but it has cause me to have late payments and has just been a devstaing to my creidt and has blocked me from buying the home of my dreams.This card has been nothing but a headache affecting my ability to get a home, and a new car with a good rate this has been haunting me for a little while now. I had gone into the bank since then and told the teller and she stated I would have to call the bank. I was so shocked that someone could do this and they do n't even want to fire the guy, he was there at work that day I went in and pointed him out to the teller and all she said was to call. 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 12/22/2015 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I disputed is this information though Equifax Credit Reporting Agency. After a 30 day in investigation this item was removed from my credit report. I have a XXXX XXXX account and this account is reporting once again.

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2015 about Consumer Loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (MO).
Issue: Problems when you are unable to pay

Complaint: I currently have a debt to Springleaf Financial. This issue has persisted for approx a year. This company will call me constantly, multiple times a day, on different telephone numbers, sometimes leave messages and sometimes not. They have called me at work when I have asked them not too. When they dont reach me they call my " reference '' list of individuals that they required i leave with them. These individuals include my children, family, friends, none of which have any responsibility towards this debt. I have asked for this to stop on many occasions and it persists. I realize this is my debt and I am making attempts to get it paid, but this is harassment of myself and others. I do n't know what else to do and found this information on the internet. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2017 about Mortgage (Conventional home mortgage) with Specialized Loan Servicing LLC (CA).
Issue: Struggling to pay mortgage

Complaint: Attention Cfpb complaint XXXX I just filed a complaint and I forgot to add to my note that I am waiting for my social security benifit to come through as you Know how government offices work they are late and take too long I also am in contact with office of XXXX XXXX XXXX XXXX and they are on my XXXX case This was addition to the complaint I just filed

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 08-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Dear Sir or Madam, how are you, i am attaching a packet of inquiries and many attempts of my inquiries that have been ignored and inquiries that have been inquired multiple times, which i wrote notes in sides. i even added which Bureau deleted and which did n't. XXXX is the worst to deal with and i have been dealing with these headaches for over 6 months now and not to mention time and money spent on priority mails. i hope to get this resolved soon so i can move on with my life. i am looking to refi my home and do not want to be homeless with my XXXX babies. please CPFB do as much as you can to remove this and i believe this will raise my score a bit and if not then atleast make me look presentable to my future lenders. i really appreciate your help. Thank You. PS.. please get back to me as soon as you can, i want to refi soon before the rates go up again.

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 12-12-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My roommate decided to purchase cable through XXXX XXXX she ended up falling for XXXX those check scams where you cash a check for someone and then the check bounces and you owe the bank the money from the bounced check. So she ended up losing her bank account and could no longer pay the XXXX TV account with her credit card. Therefore, I offered to pay her monthly fees with my credit card and she could give me the cash. However, the account was still completely in her name attached to her social security card. Fast forward a couple months she decided to move out and takes the XXXX account with her to her new place. Fast forwarded almost a year ( I would sometimes get calls from XXXX asking me if I knew where XXXX ( my old roommate ) was and I would tell them no ) I see that XXXX has sent me to collections. I call the company right away pretty angry at the situation because not only did they have all my information but they wrongly sent me to collections damaging my credit. When I asked how they got my information they said that I tried to purchase XXXX once before ( which I immediately canceled due to bad customer service ) and that is how they got my social security number. Anyways, they were not very helpful and told me to file a dispute with the credit bureau which I did and won and it was taken off my credit. However, I recently checked my credit again and it was back on under a different name. I was very confused so I called the credit bureau and they said that after XXXX lost the dispute they sold it to another collection agency! Which seems really crazy to me and completely unjust. The credit Bureau then gave me your information and told me to contact CFPB and file a complaint. This was taken off my account and then was just added by your company I have disputed this and won many time now so I do not understand how it keeps getting bought by different companies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have no knowledge of any accounts with XXXX Ive never ordered anything or received any services from this company. Ive repeatedly disputed this account with each credit bureau and asked for validity of this account. No one has ever sent me any signed contracts or anything verifying that I own an account with XXXX or that I owe them any money. This account is negatively affecting my credit and hindering me from obtain any good credit.

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I tried almost a month ago to file a complaint against Transunion for not allowing me online access to dispute some information on my credit report, it remains the same. I called to dispute over the phone on XXXX/XXXX/2016, she gave an XXXX name that I can not pronounce or even try to spell. I gave information regarding the collection accounts I was disputing but when we got to the inquiries I was told I would have to contact these companies to have them removed and she would give me contact information for each company. There are numerous inquiries on my account and feel contacting the companies are a part of the investigation process. If I did not request anything to be run against my credit report, why am I the one calling, I do n't know these people, trying to relay this information is so difficult when talking with an unknown company and how am I to be guaranteed they will be removed by Transunion. Transunion is SO difficult to work with. If I had a choice to not use them, I would not. I just want to clean up my credit to reflect what I DO, not anyone else. I have recently learned that my internet had been hacked and found numerous log in attempts from several " supposed countries ''. I had noticed many inconsistencies with my email and at one point was not receiving voicemails on my phone for the phone company to tell me my voice mails were being forwarded to another number. These credit bureaus being so difficult to work with, can cause bad credit. I work full time and do not have all day to call these companies, I have XXXX credit bureaus to deal with and so far only Transunion wants me to do the work for them.

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 09/26/2016 about Debt collection (I do not know) with APEX Asset Management, LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Continuing to receive letters and have derogatory information posted by Apex Asset Management. The debt is not mine. Additionally, they are not licensed to practice credit collection in Florida. I have complained to the attorney general here in Florida as well. They are trying to collect {$130.00}. I sent them an initial letter asking for validation of the debt. Subsequently, I sent them a letter informing them of non licensure and asked for immediate removal of the item.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Debt collection (Other debt) with Convergent Resources, Inc. (VA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I contracted service from  XXXX  for a  SIM ca rd to be used in an iPad for cellular connection purposes. The signal was very poor at my place of residence due to interference. I returned th e SIM c ard and closed the account.  XXXX  refunded my money and i considered that to be the end . 5 W eeks later i received a bill from a collection agency by the name of  XXXX   XXXX  ; I called  XXXX  and they corrected my account to show that no money was owed to them. Following month another bill was sent from CONVERGENT  OUTSOURCING INC. f or the same amount. I have called  XXXX  to clear this situation but they say the show no traces of my name in their records. I do not wish to contact the  collectors company for fear that they are just going to verify my name and address and sell my name to other data collecting agencies. Please Help.

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 02/28/2018 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (FL).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: I opened a new business checking account with Chase Bank on XX/XX/2018. 
I supplied all the information that the bank requested at time of opening. 
Since the account was for an LLC, i presented the following ; 1. ] Articles of Organization 2. ] Federal E.I.N. number 3. ] Nevada Secretary of State registration documents 4. ] Trust documents showing that the LLC is owned by a trust The account was opened and an initial deposit of {$1000.00} was made. 
Was notified about a week later that the bank wanted a copy of a rent receipt for the LLC. 
This despite the fact that I informed them at opening the LLC was merely a holding company for various securities [ stocks and bonds ]. 
Since the bank had opened XXXX business checking accounts for me for the same LLC over the past XXXX years, I feel that the bank mislead me!

Company response to consumer: Closed with explanation