milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-05-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with SYNCHRONY FINANCIAL (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: In XXXX of this year ( 2016 ) I obtained my credit reports from all XXXX credit bureaus, I discovered XXXX XXXX, XXXX ( XXXX '' ) reporting a trade-line on my consumer credit files for an amount of {$950.00} for GE CAPITAL RETAIL BANK. 

I mailed a XXXX a 'Demand for Validation ' letter including a copy of my credit report displaying the trade-line via USPS certified Mail Tracking ( # XXXX XXXX XXXX XXXX XXXX XXXX ( letter attached ). I received a reply from XXXX XXXX, XXXX stating that, " Unfortunately we are unable to locate your account in our system '' ( results attached ). XXXX XXXX, XXXX failed to acknowledge my dispute and continues to report the erroneous trade-line. 

I disputed the trade-line furnished by XXXX XXXX, XXXX with XXXX and XXXX USPS Certified Mail ( Letter Attached ) and remains on my XXXX separate credit reports.

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 02/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Hi there are a few credit inquiries I just noticed on my credit report that don't belong on my report they are fraud and I am a victim of identity theft so please remove they as I am including a copy of my police report. This has been an ongoing problem I am working with police so that I can get justice. Here is a list of what I want removed as it is fraud XX/XX/2016 XXXX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2016 about Mortgage (Other mortgage) with U.S. BANCORP (IN).
Issue: Loan modification,collection,foreclosure

Complaint: The property located at XXXX XXXX XXXX in XXXX, IN XXXX has been in foreclosure for well over 1 year. The property has not been maintained by anyone. Windows are broken, there are holes in the siding, the fence is falling down, there are multiple dead trees, and all the neighbors have to chip in to keep the yard mowed and the weeds at bay. The result has been a significant eye sore in neighborhood that has resulted in people leaving the neighborhood, and difficulty in attracting new home buyers. The HOA fees have not been paid in several years and this property has become a large burden on the neighborhood.

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 09-03-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with MERCANTILE ADJUSTMENT BUREAU, LLC (NY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I found a {$59.00} request for collection on my credit report from a company called Mercantile Adjustment to collect on behalf of XXXX XXXX. I called XXXX XXXX and they could not find any record or reason anything would go to a debt collector ( I called again and their " systems were down '' ). I called Mercantile Adjustment to get the account number they are referencing and I was told it was at a " Special Desk '' and they could n't access any information on it. They could not even look it up or get me the XXXX XXXX Account Number. I should not have to spend hours getting rid of a false debt collection for {$59.00} on my perfect credit record. When I called XXXX XXXX again and gave them the address ( which I found on the credit report ), they finally found the account and agreed that they never sent me an invoice and that I was never notified about it. They said if I do n't agree with the charge, I must fill out paperwork, etc. to dispute it. I said it would just be cheaper for me if I just pay it, since I do n't have the time to spend on the dispute. They told me I need to call the collection agency and pay it there ( even though they ca n't access it ). I then asked to speak with a supervisor, where I had to wait on hold for over 10 minutes. Then the supervisor said she is going to keep this as a late payment on my credit report, because it was an old charge. I told her that I never opened an account with them for it, and I never received an invoice, so how can it be late? She then put me on hold for another 10 minutes. Finally, she let me make a payment for it ( even though I do n't even think I owe it ), which I did. But she says it going to stay on my credit report because in her opinion she thinks that I am " late ''. I believe this to be unfair/illegal collection efforts and improper use of credit reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (LA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: This supposed debt was with originally with XXXX XXXX XXXX in XXXX of 2016. I disputed the debt requesting for validation and I never received any response and that collection agency deleted the debt from my credit report. Suddenly, I pull my credit reports in the month of XXXX and notice that a new collection agency had reported this debt and never sent any sort of notification prior to doing so. On XXXX XXXX, 2016 I mailed a certified letter to Enhanced Recovery explaining they had never sent any notification denying my consumer rights and reporting the item without proper notification and time frame to dispute the validity and I also requested validation from this company. I have confirmation my letter was received on XXXX XXXX and I 've still yet to hear anything from them but the supposed debt remains on my credit file and is hendering my credit scores.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 08-12-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (WA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: Dear Sir or Madam, I recently discovered I was being charged huge interest on a Care Credit card that had been promoted as free financing for XXXX XXXX done in 2013. The company, XXXX XXXX XXXX and XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX AZ XXXX ( ph. XXXX ), represented by XXXX XXXX ( Director of XXXX XXXX and XXXX XXXX ) promoted interest free financing in an effort to get me to sign up for a Care Credit card. I was referred by her to XXXX XXXX in XXXX 2013. He told me that there was to be " no interest on the full amount of the charges for this XXXX XXXX until fully paid off ''. This was a promotional offer, the sole purpose of which was to " promote my use of the card for further purchases. '' This was untrue. At the end of an unmentioned 2 year promotional period, I was charged the accrued interest at 26.99 % for that two year period. The amount of that interest was {$2400.00}. I was not shown, nor was I verbally informed of any promotional period that involved a payment of accrued interest when it expired. Upon questioning XXXX XXXX about this, she sent me two Care Credit Sales Drafts of that agreement that were UNSIGNED. They were unsigned because I never saw them at any time during the meeting with XXXX XXXX. If I had, I would certainly not have signed such a poor agreement. ( These unsigned sales drafts are included in the attachments ). I made the mistake of allowing an automatic debit to take place on this card along with online statements, thinking that ( as XXXX led me to believe ) the principal would simply get paid down. While it would have been in my interest to have regular statements delivered, during that period my wife developed XXXX and for the following couple of years I was preoccupied with her care and the details of her eventual death. Meanwhile, the card was not getting paid down at all. In fact it was developing the horrendous compound interest which I only discovered recently. I have heard of this sort of activity by unscrupulous credit card companies, but never believed a company like XXXX would be involved in such activities. As I indicated to XXXX XXXX, I feel like a rube at a carnival that has just been duped out his hard earned cash. The attachments include emails between myself and XXXX XXXX, along with the unsigned Care Credit sales drafts, my original financial agreement and the credit card statement for the month the lump sum was added to my account. Please note that the emails/attachements time line reads from BOTTOM to  TOP. Thanks for your help, Cheers, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 08/29/2016 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (NC).
Issue: Loan modification,collection,foreclosure

Complaint: First, I have XXXX mortgages, a XXXX with XXXX and a XXXX with CitiMortage. In XXXX, I requested a mortgage modification for both mortgages due to a fraudulent appraisal by XXXX XXXX in XXXX. In XXXX, XXXX Mortgage reduced our XXXX mortgage by {$220000.00} due to this over appraisal by XXXX. XXXX XXXX sent us a XXXX form XXXX, Cancellation of Debt in this same amount ( this form is available for review ). In XXXX, I contacted CitiMortgage to request the same percentage amount reduction of our XXXX mortgage for the same reason and never heard a word from CitiMortgage. CitiMortgae did reduce the interest on the loan. However, on XX/XX/XXXX, CitiMortgage wrote a letter outlining their increase in the interest from 1 % to 4.5 % and a payment increase from {$190.00} to {$270.00}. On XXXX XXXX, I sent CitiMortgage, by Certified Mail, a letter outlining that we are both retired and living of social security and a small state employee pension and would be unable to make this increase. I also attached a copy of the XXXX form XXXX, Cancellation of Debt from XXXX XXXX in the amount of {$220000.00} on the XXXX mortgage and requested the same percentage reduction of the CitiMortgage XXXX mortgage, due to XXXX 's over appraisal when the sold CitiMortgage the loan. In that letter, I ask CitiMortgage to please respond to our request within 10 days from the Certified Mail letter dated XXXX XXXX, XXXX. That letter is also available for review at any time, with Certified Mail Receipt. Here 's my complaint ; If XXXX Mortgage consented to reduce their XXXX mortgage by {$220000.00} due to the property being over appraised by XXXX XXXX, then CitiMortgage should be responsible to make the same percentage reduction for their XXXX mortgage. In the XXXX lawsuit against XXXX Mortgage, they were convicted for fraudulent appraisals and lending practices and our over appraised mortgage was sold to CitiMortgage. At XXXX years old and unable to work, we have listed the home to sale twice and real estate agents the home will not sell for the over appraised mortgage amount. Please advise and we look forward to your response. Thanks is advance for your consideration in this matter.

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 04/20/2016 about Debt collection (Non-federal student loan) with Navient Solutions, LLC. (NJ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Repeated calls, between 5-7 per day. Most days. 1 call per day in weekends.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2015 about Credit reporting () with Experian Information Solutions Inc. (CT).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I went on experians web site to get my free credit report and fill out what they needed and answered questions that seemed to be inaccurate and then was denied and asked to mail in my request. i had the same issue with equifax and currently have a dispute going with them seems the information they have is wrong or they wish to discourage people from being able to get there report for free

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2017 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I fell behind on payments with Synchrony Bank due to a family medical emergency.I contacted the company regarding phone calls and I was told that in order for them to stop, I had to begin payment on my account. I agreed to post dated checks for 6 months at about {$250.00} ( last one being for the month of XXXX XXXX XXXX THE SAME DAY MY LAST CHECK POSTED XXXX/XXXX/XXXX I started getting the harassing calls again. They call every single day multiple times a day including weekends. Most of the time they hang up and never leave voicemails. My next Payment is not due until 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 monetary relief
Consumer complaint received 08/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Well one student loans went into default do to the fact their were no jobs. That loan went to collections but because its a in house collection company but it is in collections I cant do anything to get removed off my credit file and its been 7+ years now ... .I have attempted to fix this problem about 3 times now and nothing .... I also have the proof in my credit file saying this loan is in house collection through your Company and that 's against the 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 non-monetary relief
Consumer complaint received 11-12-2015 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (NY).
Issue: Making/receiving payments, sending money

Complaint: Twice I, a New York state citizen and resident, have attempted to make a purchase at a XXXX website called XXXX XXXX, and though the sum was not large, about {$400.00}, my bank, JP Morgan Chase, at least the first time and possibly the second, blocked the transaction, which in effect killed the transaction, as XXXX XXXX was apparently not informed by the bank that I had confirmed the legitimacy of the transaction. In any event, their software eliminates the billing information I provided as the result of the interdiction. Certainly Chase has a right and an interest in combating fraud. But I am troubled by the idea that a given transaction, simply because it is international, is assumed to be fraudulent and denied, and only then investigated. I daresay that many XXXX of dollars a day in such transactions are thwarted by this policy and practice, which is probably not limited to Chase. I had thought our government, via various treaties, etc., was committed to free trade. I myself have had to go to great lengths to get the order reinstated, and it remains to be seen whether it goes through. I would also mention that Chase 's recorded confirming call arrived at XXXX awakening me, a retired person. I believe such calls should be confined to standard working hours.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: This debt is not owned by me. I have never owned a XXXX account and from confriming information supplied, i believe that my personal details were compromised by a leak of information steming from a XXXX company security breech in 2012.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 03/31/2017 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I went online to start paying weekly payments to Portfolio Recovery here recently. I made one payment online at their website, and I disputed with the XXXX credit reporting companies to let them know that I was beginning to make payments to all my debt accounts listed on my credit reports. Well, apparently Portfolio Recovery is rhinking that I am disputing the debt. I am not. But, now, I can not log back in to their online payment website with my information, so therefore I am going to miss the next payment which THEY are now telling me is XX/XX/2017. Why ca n't I log in now and pay before this date? I do n't understand why they are giving me a certain date when I told them I will make weekly payments instead of monthly. I guess they did n't like my offer to pay the XXXX dollars back, which was my total XXXX credit limit. That 's fine their offer was a settle amount of {$440.00} or something like that. But, they have a total on the account of {$610.00}. I have made a {$10.00} weekly payment already and I have not received any positive reaction from Portfolio Recovery, and I since then have n't been able to log in their payment website with my information and make another payment since. Also, they have n't reported any payment from me to any of the XXXX credit bureaus. Maybe I should have reported a claim in that class action suit when I received that post card about them being sued.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: I have been trying to obtain my credit reports for years and I am always told they are unable to provide them to me. Each time I am either given an incomplete report or referred to requesting the reports through the mail at substantial costs. I am simply asking for something that everyone else in the country is entitled to.

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 05-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There are fraudulent accounts appear in my report, please investigate them :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  -  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2017 about Mortgage (FHA mortgage) with LoanCare, LLC (FL).
Issue: Struggling to pay mortgage

Complaint: I have received no help from my services center ; nothing but lies, I asked for a forbearance during the disaster of hurricane Irma and was told I was on one : now I attempt to reach them for 2 weeks requesting a call back via IVR but no response To ask for an extension due to my home is still damage due to the impact This has been the most horrible experience I need 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 10/30/2015 about Debt collection (I do not know) with AFNI INC. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: The Collection Company : AFNIXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL XXXXTelephone : XXXX calling and sending collection bills to my house for a debt they said I owe to XXXX They are collecting {$4400.00}. 
I do not owe any money to XXXX XXXX XXXX, I have never had business with XXXX XXXX XXXX, and I want that AFNI company to stop their attends for collection. 
I recently returned a bill to AFNI and told then that I do not owe money to XXXX XXXX XXXX, and to fix the delinquency report they submitted to the Credit Report Companies ( XXXX ). 

The situation is that around XXXX 2013, someone made business with XXXX XXXX XXXX and probably under my name. Then around XXXX 2013 a debt collector made a delinquency report to the Credit Report Companies ( XXXX, etc ). I called the collector company and told that I do not owe any money to XXXX XXXX XXXX and I have never done business with then. 
I requested then to undo the delinquency report. But they kept the collection account and then transferred to another Collector Company which is this XXXX AFNI. 
See attached last bill for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (MD).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: I sent a written cease of communication notice along with a request for verification of debt in the form of specific account details, charges, payments, etc ... from the reported original lender/credit card company. I requested in writing that they communicate via mail only and stop all phone contact attempts. Despite the letter, they continue to call and as of this report, have not provided verification of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (CO).
Issue: Account opening, closing, or management

Complaint: Hi there, I 'd signed up for a Citibank Citigold account after confirming with a representative by phone that I was eligible to receive their promotional XXXX XXXX XXXX AAdvantage miles after, in the first 60 days, making {$1000.00} in debit card purchases and 1 or more bill payments for two consecutive months. 

After completing these requirements, I was told 3 months later that I was actually not eligible for the promotion. I have followed up numerous times, only to be told every time that the promised promotion would not be honored. In the meantime, I was also assessed ( 3 ) $ XXXX monthly fees just for having the account open. The promotion was what drew me to the account and I had no interest in it had I known it would not be honored. 

Thanks for your help, CPFB! 

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