milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/20/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: I am writing to complain about misleading trade practice by Experian Credit Reporting service. 
I recently requested copies of my credit report from this outfit. I was charged a fee for this service of {$1.00} then XXXX on XXXX, then this next month I was charged another {$23.00}. I called then to dispute this and was told it was a membership fee and was non refundable. 
I did not knowingly agree to any membership fee and found their website excessively complicated. This was a scam to get me to pay for service I did n't want and for a report that by law is free to the consumer once a year.

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 04-02-2016 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Stated they were collecting a debt regarding a XXXX XXXX card. I have never owned or used a XXXX XXXX credit card as evidenced by my credit report history. 
I 've asked to be removed from their call list and they refused. They 've called several times.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (DE).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I understand that the law is civil judgments and liens can stay on credit for seven years. Seven years is entirely too long for consumers to be able to regain credit acceptance. Although the law will change  XXXX   XXXX  this is for new debt. What about past debt? Working for a mortgage company you can even buy a house 3 years after you file bankruptcy! Why is the negative impact of judgments allowed 7 years to ruin your life? 7 years is absolutely  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 non-monetary relief
Consumer complaint received 07/15/2016 about Debt collection (I do not know) with BBVA COMPASS FINANCIAL CORPORATION (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Repeating phone calls, multiple times per day, asking for somebody who had previously owned the phone number I am now using. I have told them each time that this is a new phone number for me and that I do not know who they are looking for, each time they acknowledge what I say, tell me they wo n't call again, then call two more times the next day. They also hang up on me before I get a chance to tell them to remove my phone number. I was told that my number would be removed from the account they are trying to get ahold of, the calls stopped for three days, then continued twice as often as before.

Company response to consumer: Closed with explanation
Consumer complaint received 11/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have disputed a Bankruptcy with the Credit Bureau who continues to inform me that verification is verified as accurate when it is not. The Bankruptcy Courts mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW.

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 12/14/2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (OK).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Capital One calls every other hour from different numbers. I spoke with them once saying when I could pay. They said they would note my time but still have been calling consistently.

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Mortgage (Other type of mortgage) with OCWEN LOAN SERVICING LLC (NJ).
Issue: Struggling to pay mortgage

Complaint: In 2013 Ocwen sta rted foreclosure. At the same time I was applied and was approved for a new mortgage through a paternership with ocwen a ist alliance lending. On the day of closing I had a ist payment certified check {$1500.00}. No one showed. I called ist alliance lawyers they told ocwen did n't show with documents to do the closing. With 9 days left to answer complaint of foreclosure I hired a lawyer. For foreclosure they had a unindorsed note and a fraudulent assignment of mortgage. They claimed securitization of the note with no evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Mortgage (VA mortgage) with FIRST GUARANTY MORTGAGE CORP (NC).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: We are applying for a Reverse Mortgage. We have a current mortgage closed inXX/XX/XXXXwith First Guaranty Mortgage which is being serviced by XXXX XXXX XXXX. When the underwriter processing the new Reverse Mortgage pulled our credit, something odd came up on the report. Under Mortgage History it listed a RERECORDED DEED dated XXXX/XXXX/XXXX for a mortgage amount exactly the same as our original principal amount of {$140000.00}. However, the XXXX/XXXX/XXXX recording shows a Mtg. Term of 28 years rather than the 30 years on the original mortgage. 

This entry on our credit report caused the new underwriter to request written verification that this latest entry is in fact a rerecording of the original mortgage deed and not a new or additional mortgage. Seems pretty straight forward, but neither First Guaranty Mortgage nor XXXX is responding. I received an initial response from XXXX XXXX at First Guaranty that he was communicating someone at XXXX ( indicating that XXXX must have filed the rerecorded mortgage deed ). I initiated communication with XXXX XXXX on XXXX/XXXX/XXXX, received a voice mail message on XXXX that he was in contact with someone at XXXX, but XXXX did not tell a name or give me any contact information. Since that date I have been unable to reach XXXX or get any return calls to my voice mails. 

WE NEED SOMETHING IN WRITING EXPLAINING THE RERECORDED MORTGAGE DEED TO THE SATISFACTION OF OUR CURRENT UNDERWRITER. 

Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ONEMAIN FINANCIAL HOLDINGS, LLC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: i have about  XXXX  credit hard inquiries that were randomly on my account all within a weeks time frame.     I did not make these inquiries as I was building my good credit starting at a score of  XXXX , and these inquiries knocked me down to a score of about  XXXX  I have contacted the credit bureaus as well as the credit companies who processed the hard inquiries.   They said it was authorized, although this was online transactions, that I did not do!     I have authorized  XXXX  inquiries but at the time my ID was stolen by a former roommate, so I am assuming it was inquiries by this individual who no longer lives with me ... if not it has to be hackers!!

Company response to consumer: Closed with explanation
Consumer complaint received 11/26/2016 about Debt collection (I do not know) with TENET HEALTHCARE CORPORATION (CA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: First of all I DO N'T owe ANY debt to Central Financial Control, don '' t know who they are, and have NEVER signed ANY agreement, or contract with this organization!!! Furthermore, this type of extortion shakedown conduct is illegal, and against the law per the F.C.R.A. 
Until Central Financial Control can provide me, XXXX XXXX XXXX XXXX with the ORIGINAL signed contract agreement with them that created this erroneous debt, also providing signed documentation they have the right to collect ( extort ) this erroneous debt they 're claiming in addition, to providing a itemized accounting of how it arrived at the erroneous total amount including any interest, and fees added to the suppose erroneous extortion original amount. I have I requested the above mentioned proof in writing XXXX/XXXX/16, and per the F.C.R.A. NO collection action is to take place until the above requested documents have been sent to me, which they have NOT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: TransUnion company has been billing my credit card a monthly fee of {$17.00} since XXXX/XXXX/2015 for a service that I never requested, never approved and never received. Even after I obtained a new credit card because the firs one was lost, they managed to obtain the information of the new one and keep billing me for that monthly fee that I do n't know what it is about and never received any notice of it. I have search the internet trying to get information about this service and nothing appears except for people that had the same theft from the same company. I am including screenshots of all the monthly bills with the number of the order and the amount and also the only document that i was able to find stating the different prices for the different services that TransUnion Company have.

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 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT).
Issue: Problem with fraud alerts or security freezes

Complaint: XXXX mishandled personal information about me and 134 Million other Americans. Now, in order to protect ourselves, we 're forced to pay these credit score firms to freeze our credit. This should not cost any money to us, the victims. They make money off of our information and when they risk our financial safety, we have to do all the work and pay them. This is absurd!

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 05/27/2015 about Debt collection (Credit card) with Account Discovery Systems, LLC (ME).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: This complaint is in regards to the XXXX XXXX, 2015 phone call the credit collection agency Account Discovery Systems ( ADS ), XXXX. XXXX XXXX, XXXX, XXXX XXXX by the name of XXXX ( XXXX ) XXXX made to an third party regarding my account they are collecting on. The original XXXX is XXXX, and original creditor account number being XXXX. 

I made an agreement with ADS XXXX XXXX to make payment of {$370.00} per month on this account. Since then, I have never been late or missed a payment. 

On XXXX XXXX XXXX from ADS placed a call to a third party in an attempt to get ahold of me to offer a settlement agreement. I received a text message from the person he called explaining XXXX from ( XXXX ) XXXX was looking for me. 

The voice mail message to the recipient identified my name. The number was viewed on caller ID by the recipient who went ahead and called the number to see who it was. The recipient was able to use caller ID to call the number ADS left on their caller ID identifying the call was from Account Discovery Systems and was an attempt to collect a debt under my name. Now that the recipient had my name, phone number and the reason for the call, they then proceeded to send me a text message informing me the debt collector Account Discovery Systems is looking for you. I called the number the recipient left for me and it identified ADS was placing the call and it was for the collection of a debt. 

After the text, I called the number the recipient text and asked for XXXX and inquired why he was calling a third party regarding my account. XXXX said that he called the number he had on file for my daughter and the reason for the call was because they could n't get ahold of me to offer a settlement on the account. 

My complaint regarding what I just described is Account Discovery Systems had no known right under the law to investigate my personal information in an attempt to contact me just to ask me for a settlement on a debt I am already paying as agreed on. Further, Account Discovery Systems has a valid address and phone number for me on file and could have made the offer to me directly. 

I request the Consumer Financial Bureau to investigate and provide me with any remedies available under the law regarding any potential violations of the law regarding ADS 's unnecessary call to the third party only to offer me a settlement agreement on an account that is being paid on time and as agreed, which in turn is harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2016 about Debt collection (Credit card) with Convergent Resources, Inc. (OK).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Both Convergent outsourcing along with XXXX XXXX XXXX, are still attempting to extort money from me. Every year XXXX XXXX try 's the same crap.Every year they use XXXX of their many subsidiary companies to threaten and bully me. This year it is convergent outsourcing doing the dirty work. Allegedly I owe XXXX XXXX {$4200.00} dollars this year. As always neither XXXX XXXX nor any of their affiliates provide any legal documentation that that could be used in court to validate this fraudulent debt.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (NV).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: On XX/XX/XXXX while writing out bills, I noticed that Home Depot was not applying any monies to the deferred interest accounts that we have with them. Since XX/XX/XXXX I have been making payments, assuming that the deferred accounts were being paid down. I now have over {$1500.00} that has never had one dollar applied to the account.

I called Home Depot on XX/XX/XXXX and spoke with a representative and a supervisor that told me they do n't have to do that and I would have to call them each month and tell them where to apply the monies I paid. I told them there is nothing that I could find on the bill that indicated I would have to do any such thing. I told them it was unethical and it was obvious that they offered the no-interest as a way to get more money from their customers.

I am an authorized user on the card and I then tried to re-direct the XX/XX/XXXX payment to pay part of the no-interest accounts, at that time they would not allow me to make the changes and would have to have my husband make those changes.

Unethical, lying cheats!!!

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 06-10-2016 about Credit card () with SYNCHRONY FINANCIAL (IN).
Issue: Delinquent account

Complaint: I disputed an account with SYNCB/HH Gregg with the XXXX major credit bureaus and directly with SYNCB/HH Gregg. The credit bureaus and SYNCB/HH XXXX both verified the accounts as being accurate and responded to my dispute in a timely fashion. But what they failed to do per the Fair Credit Reporting Act, was to update my account as being disputed within 5 days of receiving the dispute which according to the Federal Trade Commission is their responsibility and when not done, is a violation of the FCRA.

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 10/29/2015 about Credit card () with U.S. BANCORP (OR).
Issue: Credit determination

Complaint: Prior to XXXX XXXX, 2015 US Bancorp placed an inquiry on my credit report without my permission and with no apparent permissibly purpose. As a result of this inquiry, US Bank mailed me a pre-approved firm offer of credit. I accepted the US Bank offer on XXXX XXXX and on that date US Bank placed further inquiries on the same credit report used to solicit me with their credit offer. Shortly after XXXX XXXX US Bank verbally informed me they declined my application and refused to state why. They have to this date never followed up with any written reason why they refuse to honor the firm offer of credit originally extended as a direct result of obtaining my credit report without my authorization or permissible purpose. 

It 's clear US Bank violates the FCRA by obtaining without permissible purpose consumer credit reports under the pretext of making a firm offer of credit yet their offer is neither firm or of value. It 's also clear that US Bank refuses to follow the FCRA in that they fail to provide written rational behind failing to consummate their offers and / or declining credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (WA).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: I opened this XXXX XXXX Synchrony Bank credit card back in XX/XX/2013  with only one authorized in store purchase. However, there has been fraud on my account and I attempted to close this account after the resolution. The bank, without authorization, opened my card up again and fraud continued. This has happened many times over the past years and the bank will not officially close 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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: Equifax stated they were hacked and set up a website to tell individuals if they weee affected at www.equifaxseciroty2017.com but this site does not actually tell you if you were affected or not. Entering information does not provide that answer. Only takes you to a page to sign up for credit monitoring ( and also agree to their TOS, which may not be favorable ). There is a number to call with questions, but hold times are so long you ca n't actually speak with anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Problem with fraud alerts or security freezes

Complaint: XX/XX/XXXX My husband and I requested our credit reports and to have our credit blocked due to the XXXX breach. XXXX completed everything for us online including confirmation of our credit block. Online and phone options were unavailable for XXXX and Experian so we sent signed letters with ss and dl copies via mail per their requirements. We both received our credit reports on XX/XX/XXXX but no confirmation of the block the letter was like they were trying to talk us out of blocking our credit.

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 05/14/2017 about Mortgage (Other type of mortgage) with PNC Bank N.A. (MS).
Issue: Struggling to pay mortgage

Complaint: I PURCHASED THE  XXXX   XXXX   XXXX . IN  XXXX  AND OBTAINED  A COMMERICAL   MORTGAGE  FRO M NATIONAL CITY MORTGAGE . CONSEQUENTLY IT FORCLOSED IN  XXXX , BUT LOOKING BACK I SHOULD HAVE NEVER BEEN APPROVED FOR A  XXXX  COMMERCIAL LOAN. I FEEL THAT THIS WAS A BLANTANT PREDATORY LENDING PRACTICE. NOW MY CREDIT IS MESSED UP. I CAN NOT BUY A BIKE WITH CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 04/23/2015 about Debt collection (Payday loan) with Pinnacle Asset Management, LLC (MS).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I was first contacted by Pinnacle Asset Management ( PAM, LLC ) on XXXX XXXX, XXXX. The guy ( XXXX XXXX ) told me that I had a online loan of {$150.00} from XXXX that I owed for and since it had been so long, with late fees, etc. the amount I owed was nearly {$400.00}. He told me it was scheduled to go to court in XXXX XXXX ( the county I lived in at the time ) on XXXX/XXXX/XXXX. He told me if I made a payment immediately he could settle for {$270.00}. I told him I did not get paid until Friday but then I could pay it. He told me I had to go ahead and give my debit card info and he would run the card on Friday and if I did not do it then it would go to court the next day and my wages would be garnished. I asked him how did I know he was who he said he was. He got really defensive with me about it. I ended up giving him a card number from my XXXX XXXX card. After we got off the phone, I called the original collection agency who had the account and they said it sounded like a scam to them. At that time, I cancelled my card immediately. This is wrong to scare people into paying something that could or could not be legit. He scared me so bad I was willing to not pay other bills I owe to pay this and keep from going to court or getting my wages garnished. I went to XXXX to check the number he called from and got information that this is a mobile phone with XXXX. When I asked him why he was calling from a cell phone he told me he was not. This business is lying to people and misrepresenting themselves!!! I almost felt like it was personal with this guy that he punish me for my XXXX debt that I am not even sure still exists. I am still looking into it.

Company response to consumer: Untimely response