milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/21/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (NY).
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint: In  XXXX  of    2016  I moved from   XXXX   XXXX   to  XXXX   XXXX  and during the busy move missed my monthly payment. As a result, my account received a penalty APR that double d my original APR and raised my monthly payment substantially. I had made several charges related to the move and at first thought the subsequent increase in monthly payments was a reflection of the purchases charged to the account, when in actuality it was the result of the penalty APR that had been placed on my account. When I had learned it was due to a penalty APR I contacted American Express and told them why I had accidentally missed a payment, I was told they could not remove the penalty APR and I would have to wait for the APR to return to its original rate. Over the last 10 months that this penalty APR has been in effect it made paying my monthly bill difficult a  nd resulted in a late payment which apparentl y further extended the time my account would be subject to the penalty APR. I have called numerous times requesting the penalty APR be removed and have been told each time by the service representative they are unable to remove the penalty APR and I must wait. This is an unacceptable punishment for an accidental missed payment. Due to the high interest charged each month o nly a small percentage of my monthly payment is applied to my account 's overall principal balance, effectively keeping my balance at practically the same amount each month. I have been an American Express member for 9 years a nd this is a poor reflection on their commitment to helping their customers manage their debt effectively.

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Experian and XXXX are reporting I have a tax lien reported by the XXXX XXXX County Recorder. The County Recorder DOES NOT report tax liens. This information is being reported incorrectly. This is a violation of the Fair Credit Reporting Act Section 1681B ( c ) and a serious breach of my privacy rights.

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 06-01-2015 about Credit card () with SYNCHRONY FINANCIAL (AZ).
Issue: Billing disputes

Complaint: My XX/XX/XXXX statement arrived and upon review I had noticed charges that I did not make. Futhermore, I only made XXXX purchase. Second, I contacted the company and they stated they would dispute the Item. I made only XXXX purchase at XXXX time. Then stored the card. I made the XXXX purchase to help build my credit. This has been a on going problem with many different companies, That is why I am tell you about this to maybe stop this trend or whom ever is doing this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
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 multiple dispute issues with XXXX and TransUnion that are not being corrected per the FCRA. I 've consulted with my attorney and was notified that neither the credit bureaus or the creditors have the right to report disputed information that has not been legally verified. I 've researched and found XXXX V TRANSUNION XX/XX/XXXX, wherein Congress states that the only legal form of verification per the FCRA is possessing and producing proof of their claim. Otherwise, it 's only hearsay. Congress further states that the burden of proof is on the creditors and credit bureaus - NOT the consumer. 

Here is my dispute to XXXX and TransUnion for XXXX XXXX ( below ). Due to the fact that no legal proof was produced to verify this late payment on XXXX XXXX, this account must be deleted immediately : Im well aware that my credit report is showing inaccurate items, and Im appalled at the so-called investigations that have been performed on my behalf. Ive consulted with my attorney and have been informed that without the physical documentation to back up your claim that this has been verified, it does not meet the requirements of the FCRA. Ive disputed directly with the creditor as well and was told that at no time was any documentation sent to you to validate my disputes. How can this be verified? The only legal verification for this supposed late payment on XX/XX/XXXX would be for you to furnish XXXX bank statement proving when my payment was accepted. Congress states in XXXX v TRANSUNION XX/XX/XXXX, that the burden of proof is on the credit bureaus and creditors to verify and not the consumer. Please see the enclosed 6-page lawsuit which outlines my proof. 

This account must immediately be deleted at once, in consideration of the fact that you never legally verified this unverifiable late payment. 

Any correspondence received to and from you will be made available to my attorney as well.

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 Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (VA).
Issue: Struggling to pay mortgage

Complaint: I have been attempting to get my home sold on a short sale for 21 months. I keep submitting complains and they respond but it is not resulting in an approval letter for any of the short sale offers being Approved. The latest issue is the bank did a BPO about 2 months ago and it came back at XXXX and we had a short sale offer for XXXX and the bank rejected the offer saying they want a counter offer. How can you reject an offer on market value and you are the one that determined the market value? This is outrageous! The other issue is that it take almost 3 or 4 weeks to get an approval or rejection letter. We have already lost one buyer because the approval process takes so long. We just submitted it again today ( X/XX/2017 ) telling them that the buyer is not going to pay over market value for this property.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Identity theft some one stole my identity to open two fraudulent XXXX XXXX XXXX credits cards XXXX XXXX XXXX XX/XX/XXXX Amount {$520.00} XXXX XXXX XXXX XX/XX/XXXX Amount {$720.00}

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 04/22/2015 about Debt collection (I do not know) with GC Services Limited Partnership (CO).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Gentleman called and asked for a family member. Would not identify himself or the reason for the call. When I asked who it was and why he was calling, he would not answer. I told him I would not give any information. Other family member report of repeated calls and harassment. Number the call was from is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (AL).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: Caused a derogatory statement to go on my credit report, and me finding out through my job.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (MS).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: Received letter in mail from Citi bank stating that I may have been previously enrolled in credit protection for which I was charged a monthly fee. I did not consent to this program. Called number given on letter and was told to make complaint on line. I have a Customer Reference number Citi Bank sent. It is XXXX Account ending in 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 03/16/2016 about Credit card () with SYNCHRONY FINANCIAL (MI).
Issue: Other fee

Complaint: I have XXXX accounts with synchrony bank. I spoke with XXXX ( Supervisor ) @ paypal because this company keep going in my bank account taking money out of my account without my permission. She told me that my bank has to refund my insufficient funds because it was not their fault that my account did not have the funds in my account. I explain to her I do n't have the money in my account and my account was overdrawn. She told me they was going to have to go in my account two more time to try to collect the money. I told her I did not have the money, she did n't care what I had to say. I had to close my bank account because they refuse to not listen to me. She made it seem like paypal has right to go into my account without my permission. Secondly, I have XXXX other accounts with synchronary bank. I had told XXXX today I 'm declaring hardship because I have XXXX credit cards and the interest and late fees I ca n't afford he refuse to help me because I ask him with they take the late fee off my Gap, Old Navy, and Banana Republic and XXXX me he was not able to help me. I been calling them for the last 4 months and they will not help me.

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 12/21/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: APR or interest rate

Complaint: I am having this Lord & Taylor for years never missed a single payment on it I was the one who closed the account on my own, I keep on making my payments but my balance is just the same they charge me over 25 % APR this is not fair play, Please help me, Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Mortgage (Conventional home mortgage) with 21ST MORTGAGE CORP. (NE).
Issue: Struggling to pay mortgage

Complaint: This is an ongoing issue with 21st mortgage Corporation. We have had our loan since XXXX and a voice kept in good standings up until we had a business go under in XXXX. But even then our priority was to get our home payment in as timely as possible. I was trying to call and deal with these people to let them know the plan. We've had an ongoing issue as I got hurt at work in a file for work comp. The staff in the entire company is so unprofessional with her attitude and demeanor is atrocious. I finally have my wits end today as I told them we have a plan to resolve but are waiting upon the US Postal Service. I was informed that I need they need to know exactly when I would be resolving, so I again told them the processing had been done at the company for the plan to get caught up with our payments, and just waiting for the US Postal Service to deliver the payment. As soon as payment is received I would be making a payment to them. Their response was as usual I'm irresponsible and have no priorities. Then we have to rehash the last 18 months of how we ended up where we are now even though they're supposed to be keeping records of all the times I have called and kept them up-to-date on all the developments that have happened in those 18 months. The one lady even said that's too far back it doesn't matter to her even though it's relevant to the Fact we are waiting on Workmen 's Compensation. After hanging up on them because there is no resolution possible since they demanded I have the payment in by closing time today or else. I found the hope counseling number on the Federal Trade Commission website. I worked with a counselor there and conference called 21st mortgage. Goal was to figure out some type of loan modification or plan to get caught up and they have no plans and they do not put dissipate with mitigation at all. She couldn't believe that they didn't work it any way shape or form to get a person caught up on their loan. He was at least professional in dealing with a phone call. When I have to call them again I will definitely be utilizing that the counselor has them mediator. They really need to work on training their staff to properly and professionally deal with collections versus the bashing, belittling, and bullying that is going on

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I submitted a dispute online with transunion over XXXX collection account with the amount of {$1100.00} on XX/XX/XXXX. I have received no response from them regarding their investigation. Through my online transunion account, it lists the completion date as XX/XX/XXXX. Today is XX/XX/XXXX. I also have a collections account still showing on my transunion report as delinquent that was paid off in XX/XX/XXXX in the amount of {$100.00}. Both of the collections accounts that are in question were removed by XXXX  and XXXX. 

Having an open dispute with them is preventing me from viewing my credit report and also from opening additional disputes for other collections accounts that have also already been removed from XXXX and XXXX 

I am trying to prepare for first-time mortgage qualification and this matter is severely hindering my progress.

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 12/18/2015 about Credit reporting () with Credit Karma, Inc. (CO).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I wanted to see my credit report before I went out and applied for an apartment. Upon requesting my information from the XXXX bureaus in Annual Credit Report and Credit Karma I could not get passed the verification stage. Apparently, the information I provided is wrong and I have a home loan from XX/XX/XXXX, a credit card from XX/XX/XXXX, and a debit card that is not the one I have in my wallet, which is the only debit card I have ever had and I got it in XX/XX/XXXX. I do recall losing my wallet in XX/XX/XXXX in the back of a truck that I have n't seen since that day. I replaced my I.D . the next day assuming that the guy could n't have done anything in a night, plus I was XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2015 about Credit reporting () with Experian Information Solutions Inc. (UT).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have an account reporting negatively on my report that I have never been late on and that I was on XXXX for. I have to documentation to show that I have never had any type of late payment and that I was on XXXX and it should be removed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2016 about Mortgage (FHA mortgage) with NETWORK CAPITAL FUNDING CORP (PA).
Issue: Application, originator, mortgage broker

Complaint: We sent paper work three or for times, had four closing dates the last one was not canceled til XXXX XXXX when closing was set to happen at XXXX XXXX paper work was not right and the seem to come up with a closing cost that should have been our sellers assist plus the sellers took money of for repairs and some how our closing cost was almost {$7000.00} more then were told or expected which put off us doing some really needed repairs. It took a extra month to close and almost lost the house cause the sellers almost pulled out. It really cause my wife and myself some real stressful moments.

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 04/29/2017 about Student loan (Private student loan) with National Enterprise Systems, Inc. (AZ).
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint: In XX/XX/XXXX I was initially contacted by XXXX XXXX and their collection company. I began to be harassed constantly at work, home and was placed on notice from my job because of the constant calls. I informed them that I had just begun the new job and prior to that was homeless and unemployed. They continued to harass me and threatened wage garnishment. I filed a complaint against both companies with CFPB and the Attorney Generals Office. The company responded that I would be given a temporary postponement because I had just gained employment. Although this was the response given to the both the AG 's office and CFPB I continued to be harassed by the company and had to submit packets every 4 months showing when I began employment and when I would reach a year. In XX/XX/XXXX I received notification from both companies again stating that a claim of wage garnishment would be filed with my work. I again continued to be harassed with calls and notifications and I explained that I had no money to pay them. I again filed complaints with the AG 's office and CFPB because they were unwilling to work with me. On XX/XX/XXXX I was notified that I would be allowed to have a wage garnishment hearing and on XX/XX/XXXX I received notification that the company could take 0 % in wage withholding because of the hardship it would cause. After the notification was received I began to be harassed again by both companies. They continue to call me on a daily basis and on XX/XX/XXXX sent notification that they will be placing a Order for withholdings again!!! It has been less than 3 months since my hearing where it was stated that they could not take wage earnings from me and again they are harassing me and attempting to get an order against me.

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 11-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX XXXX, XXXX KEEPS TRYING TO COLLECT XXXX XXXX '' s, STUDENT LOAN FOR XXXX XXXX XXXX XXXX, LOAN NO.XXXX, CONFUSED WITH XXXX NO.XXXX. ( SEE ATTACHED ). THEY ALSO KEEP CALLING MY DAD 'S CELL PHONE 23 IN 3 MONTH 'S.

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 11-11-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with First National Collection Bureau, Inc. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I was sent an offer letter to collect a debt resulting from checking account bank fees related to a closed account with XXXX. I did not have time to verify the debt but paid it given based on the offer to reduce the debt with XXXX payments of {$64.00} ( {$320.00} total ). I paid {$65.00} x XXXX times and {$63.00} for the last payment ( totaled {$320.00} ). However, the collection agency did not acknowledge the offer they made and wanted to collect the entire balance of {$800.00}. I sent XXXX requests to acknowledge that I accepted the offer with the last XXXX payments but did not receive any response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2015 about Debt collection (Payday loan) with CHECK INTO CASH INC. (MI).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: Company states I committed fraud for having a payday loan bounce and that I then closed the account to avoid paying the debt. Therefore commiting check fraud and I will face civil charges

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2016 about Student loan (Federal student loan servicing) with AES/PHEAA (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I recently purchased a copy of my credit report and noticed that the XXXX student loan accounts that I have with " FedLoan Servicing '' are reporting late from XX/XX/XXXX until XX/XX/XXXX. 

I was granted a forbearance from XX/XX/XXXX - XX/XX/XXXX, however my credit report still shows late payments from XX/XX/XXXX - XX/XX/XXXX. I have tried contacting both FedLoan and the individual credit reporting agencies, however this information came back verified. 

I would like to place a complaint on both FedLoan and the Credit Reporting Agencies as subject to Section 623 ( a ) ( 2 ) the furnisher of this information has an obligation to provide this updated information to the Credit Bureaus. Furthermore, the Credit Bureaus are obligated under Section 607 ( B ) to report this updated information on the consumer 's credit report. 

I have documentation supporting both that the forebearance was granted and that the inaccurate information was verified. 

Thank you for your time and attention.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I 'm in the process of trying to get validation of an item on my credit report. I 've disputed this item with the collection agency along with credit bureau and no documentation was provided. I was never provided any documentation validating the debt ( signed application ). I have attached my documentation requesting proof/validation that I sent to them and have yet to receive. I 've attached all the communications I 've forward to the collection agency, and credit bureau. 

The item in question is the following : PORTFOLIO RECOVERYXXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX : {$1100.00}

Company response to consumer: Closed with explanation