milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/21/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (NY).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: I am having issues with US bank with my business credit card. My card was lost and it was used for several charges. They have denied my claim and have not shown my the reason why other than by phone that they are saying that merchant verified ID and that is impossible that any of these merchants verified Id because my Id was not lost with the card. My card is at risk of being closed and i have tried to resolve this issue with US bank on several occasions and they always say that i will receive a call back. I am going to include my Id to this complaint so they can verify. I need this matter resolved ASAP as this has already gone to long to trying to come to a solution.

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 01-02-2017 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (IL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Willful non-compliance as per FDCPA XXXX. False or misleading representations XXXX XXXX XXXX On XX/XX/XXXX I wrote to XXXX to request validation of a debt they claim I owe {$1100.00}, and I formally disputed this claim. I not only disputed their claim but requested my signature as validation of this debt within XXXX days of receiving my request. They not only failed to provide me with validation they continue as of today XX/XX/XXXX to still report to the credit bureaus which has been detrimental to my credit score for a debt that they are unable to validate as mine. I sent a second letter on XX/XX/XXXX to which they responded that they would no longer respond to me and would continue to report the debt as valid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/29/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (NV).
Issue: Loan modification,collection,foreclosure

Complaint: I have tried to work with Nationstar Mortgage but they have said they prefer to short sale or foreclose. I believed I qualified for a HAMP loan but it was denied. They issued a Standard Loan Modification that I could not afford. Nationstar is forcing foreclosure and short sale only options. They have said that they are not obligated to provide me with a loan modification. My problem with this is ; I would never do business with this company, but I am forced to. Where is my protection from predatory non-bank lenders? 
I want to keep my home.

Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2016 about Credit card () with SYNCHRONY FINANCIAL (MA).
Issue: Unsolicited issuance of credit card

Complaint: On XXXX XXXX, 2016 Synchrony Bank sent me a letter stating that my application for a credit card from XXXX XXXX had been denied ( see attachment ). Since I never applied for a credit card from XXXX I responded to them stating the I had not applied and to notify the consumer reporting agency they used so as not to negatively affect my credit rating ( see attachment ). On XXXX XXXX, 2016 they sent me a letter explaining why my " application '' had been denied ( see attachment ). 
They never acknowledged that I did not apply for a credit card, nor notify the consumer reporting agency. 
I believe they have attempted to fraudulently seek to provide me with a credit card that I do n't want and never applied for.

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 07/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OR).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX / XXXX XXXX reported that I am 30 days late to credit reporting bureaus even though I had made arrangements to pay late with a promise they would not penalize me. I paid as promised and they reported me 30 days late anyway. Their agreement with me was extremely misleading and this was the first time I was in this type of situation with my payment and I have been a good customer. Please have them remove the late payment on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2016 about Credit card () with JPMORGAN CHASE & CO. (MA).
Issue: Transaction issue

Complaint: My wife and I opened a Chase Freedom account. When we made our first payment we had a typo in the account/routing number. After we corrected the info, every time we make a payment the payment is put on hold. We never make late payments and all of our payments are way above minimum $ XXXX- {$500.00} every time ) They have no problem taking our money but when we need the funds we just paid them ... now we have to wait for the to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2015 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I submitted an application to lease an apartment. The credit check Rental Report lists in the column with information from EXPERIAN, the address of my ex-husband XXXX an address where I have NEVER lived! EXPERIAN does n't have any way for me to dispute to REMOVE this incorrect information on their website or by their automated phone system. PLEASE GET THIS INCORRECT INFORMATION REMOVED FROM MY FILE AND THE RENTAL REPORT updated. Thank-you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
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 am submitted several disputes to equifax, XXXX and experience and they all come back as verified. I just submitted a dispute with each of them inXX/XX/XXXX and again in XXXX 2017 and the same results. I also email each of the companies and on report and XXXX XXXX back sent a packet that included billing statements. The issue of inaccuracies was never address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-12-2016 about Mortgage (Conventional fixed mortgage) with IMPAC MORTGAGE HOLDINGS, INC. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Called mortgage broker XXXX XXXX @ Impac Mortgage XXXX/XXXX/16 & requested he re-establish my escrow acct. He said he would. Called Cashcall XXXX/XXXX/16 XXXX am. Spoke to XXXX. She said she would set up escrow acct & have insurance agent send her the bill. Called Cashcall again on XXXX/XXXX/16 & spoke to XXXX. He apologized for XXXX not setting up escrow acct & said he would set it up & would expedite it thru his manager. Escrow acct still not set up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with CL HOLDINGS LLC (CO).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Jefferson Capital Systems repeatedly sent letters to collect a debt so often that a member of my household, not myself, felt that it would " help '' me get them to stop attempting to contact me if she made a payment on the debt. This debt is over 7 years old and had already fallen off of my credit report, yet Jefferson Capital Systems still repeatedly sent me letters. Now that someone, who is not me, tried to do something kind to help me the debt has been reopened and sent on to a different collections agency. I knew this debt was old and that it was no longer reflected on my credit report. I did not make the payment and I would n't have allowed the payment to be made had I been aware. Jefferson Capital Systems had no right to continue to send me harassing letters until someone who did ; t know better finally caved and made a payment.

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 05/17/2017 about Vehicle loan or lease (Loan) with First Investors Financial Services Group, Inc. (CA).
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint: So, my loan was transferred/sold from  XXXX   XXXX   XXXX , whom by the way ... were a class act ... .now with  1st investors Financial s ervices, literally the way i find out, is because i no longer had access to my online with veritas. Now with  1st In vestors, i speak with Agent  XXXX   XXXX  -- after she verified my information, i asked who they report to ... .what Credit Bureaus ... she proceeded with " I dont know that, i dont know who we report to '' she was very snarky, and quite frustrated ... .Rememeber this is the first ever time i find out i am not part of this finance company. She transfered me to the Manager  XXXX   XXXX , i asked her what Credit bureau do they report to ... ..she is the manger of the collections department, and she had NO IDEA WHO, so now this frustrates me and confuses me ... ... she had to place me on hold to find out whom they report to ... turns out, its to all  XXXX  Bureaus, which makes me happy ... .i was also told that all my Automatic payment info was transfered with the process ... ..turns out,  XXXX  says it wasnt and now i have to fill out some form, so that i can be set up on this again. my payments are do on the  XXXX , today is  XXXX  ... ..they will honor and back date my payment. the only thing is, for budgeting purpose i asked to debit my card, but it would be a {$13.00} charge and it is a 3rd party charge ... ..i asked them to waive it as a courtesy, and they could not. i am not happpy with the false information that was provided to me and unhappy that there account reps didnt know who they report to. First impressions are everything, and not once did i file a CFPB Complaint about  XXXX  ... ... i advised  XXXX  that i would be filing this complaint, and there is nothing she did to keep from doing this.

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 12/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

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 02/21/2018 about Student loan (Federal student loan servicing) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Hi, I got out of school about the summer  of 2016 at University XXXX XXXX XXXX and I had put in a change of address that summer at the home I was living in and it kept sending it to my old address where I had lived before I left college and I put in a change of address at our local post office here in XXXX, PA and they said they had sent letters and documents to my house for me to fill out and get back to the loan provider and I never received any type of paper work or any type of payment option to get my loans paid off and it was negatively affected my credit score and it should be removed because the address was not a fault of mine.

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 09/24/2017 about Checking or savings account (Savings account) with U.S. BANCORP (OR).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: This in an extension of my previous complaint XXXX submitted on XX/XX/XXXX about US Bank closed my two savings accounts and checking account onXX/XX/XXXX, I am still going every Friday to the US Bank XXXX XXXX in XXXX and they all know about my previous complaint but none of them have an answer and they do n't know where my too checks could be, last Friday the manager from the branch XXXX XXXX XXXX called some departments on us bank XXXX but no luck, I feel very frustrated because US Bank has in it possession my two savings money today for 28 days. 
I am upset because also for the other complaint about my credit cards closed too ID XXXX submitted last Friday, that this will impact tremendously my credit score. 
I have been Loyal to US bank for my 12 years living in the country, I have given all the information that they needed on time I have proof of that. 
I am as today LOCKED OUT with out not money just living paycheck by paycheck for the last 3 weeks. 
Damages Caused : Emotional, material, lost or will lost my great credit score that I have worked hard to keep it high, My medication for XXXX XXXX XXXX and XXXX were locked up too because not money in my accounts. 
I have n't been able to take my vacations programmed for last week because of no money. 
My friends and coworkers paying my bills with their money. 
I have n't supported my family in XXXX after the devastation for IRMA Hurricane, and now for Puerto Rico too after Maria Hurricane. 
It was ok if you did n't want me as a customer and ok to close my accounts but stole my money is not fair I think and is what I am thinking now about you. 
Really bad customer support. 
I am demanding an immediate response or I will be looking for my lawyer. 

I will attach all the proof I have of an amazing bad job and I have more proof and names if needed. 
I will make this public on the media if I do n't hear from you soon.

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 03/17/2016 about Debt collection (Medical) with California Business Bureau, Inc. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I discovered a collection account from California Business Bureau recently. I knew nothing about this bill because they never contacted me before placing it on my credit, which by law, they are required to do. I immediately disputed it with all XXXX credit bureaus and they have 30 days to contact the original creditor to verify the account. They responded back in a week that they had done so and the account was indeed mine. However, I contacted the hospital office that they were supposed to and they assured me that they had NOT heard from California Business Bureau AT ALL. Which means they are committing fraud and violating the FCRA. I did research into California Business Bureau ( XXXX, XXXX, etc. ) and this is how they conduct their business on a daily basis. They regularly threaten people to make them pay bills, illegally take money out of people 's bank accounts, give people fake account numbers so they payments do n't credit, pretend to be linked to the State of California and exactly what they did to me, reporting a collection account to the credit bureaus without notifying the person and more.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2015 about Debt collection (I do not know) with ERC (NH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I kept getting a call from XXXX when I answer it there is no one on the other end. after several continuous calls I called them back and found out it was ERC a debt collector. I asked them what debt they were trying to collect and they did not find any debts to be owed with my name, SSN or phone number. They removed my number 3 times over the past month and yet I still get calls. The most recent from a new number XXXX. There is no debt to be collected associated with me or my number and yet I get called every week sometimes twice a week. I am sure this is happening with other people too and it is very annoying.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2016 about Debt collection (Medical) with Receivables Management Partners, LLC (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: No one ever contacted me about the debt. I had no idea until I saw it on my XXXX report so I called the medical facility I owed ( XXXX XXXX - {$160.00} ) and paid the debt over the phone via credit card. Ref # XXXX - Author # XXXX - Trans # XXXX - Date paid XXXX XXXX, 2016 Time : XXXX - I have not been able to contact berks collections but this is still on my credit report and I want it off. please

Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2015 about Consumer Loan (Vehicle loan) with CarFinance Capital LLC (TX).
Issue: Problems when you are unable to pay

Complaint: my payment for my truck is due on the XXXX of the month, and after XXXX days they began the calls i 'll answer and tell them when I am going to pay them and just about every day XXXX times a day I will get calls from them asking the same thing each time I ask why do they call everyday almost, they say it 's the computer dialing and the have to keep up collection activity. it seems like harassment to me can this be stop. finance company XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2016 about Student loan (Federal student loan servicing) with NELNET, INC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Nelnet keeps advancing my due date instead of applying payments to principal as instructed.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO).
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: Hello, I have contacted TransUnion as well as the below companies, as I was instructed to do, MULTIPLE times about the following " credit inquiries '' that were absolutely unauthorized and are currently negatively affecting my  credit score. I  did apply for an auto loan in   XX/XX/XXXX   but this was through    XXXX   XXXX  /   XXXX   XXXX    only. I have received zero assistance or response from TransUnion custom er service, and to my knowledge they have NOT investigated this matter as they are obligated to do. AND its nearly impossible to get ahold of them, worst credit bureau out there and clearly not interested in protecting consumers Date :   XX/XX/XXXX   XXXX / XXXX    XXXX  / XXXX /  XXXX   XXXX     XXXX   XXXX   XXXX   XXXX  , CO   XXXX   (  XXXX  )  XXXX - XXXX  Date  XX/XX/XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX  , SD  XXXX  (  XXXX  )  XXXX - XXXX  Date  XX/XX/XXXX    XXXX   XXXX     XXXX   XXXX   XXXX   XXXX  , PA  XXXX  (  XXXX  )  XXXX - XXXX    XX/XX/XXXX     XXXX  / XXXX    XXXX   XXXX   XXXX   XXXX   XXXX  , CO  XXXX  (  XXXX  )  XXXX - XXXX   XX/XX/XXXX    XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX  X, AZ 85038 (  XXXX  )  XXXX - XXXX   Please let me know if you have questions, and if any actions can/will be taken.     Sincerely,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CO  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 01-04-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with GLENN ASSOCIATES MID-ATLANTIC, INC (DC).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I was never contacted my the creditors or the collection agency about the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I want the company to send me proof that each account on my report is actually mine. I asked the company to do so, but they failed to respond to my 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 05/22/2016 about Consumer Loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (TX).
Issue: Managing the loan or lease

Complaint: One Main Financial uses deceptive practices in the way it displays payment due information via their website. Their online " Account Summary '' and " Account Details '' page will show that there is zero due for the upcoming month, yet the online statement itself ( if you download it ) will show a payment due for the upcoming month. I have screenshots and downloads where their website clearly shows my next payment is due on XXXX XXXX, 2016. Yet my statement shows a loan payment due on XXXX XXXX. 

I have relied on their online information for the month of XXXX which showed I had zero payment due. I believed I had paid in advance. Yet I started to receive calls from the company asking why I had not paid my XXXX payment, and when I logged online to check, the online view had been updated to match my statement - after the fact. I though I had made a mistake, but this month when I view my online balance and my statement itself, I see evidence of their deceptive billing practices and I am attaching the screenshots I took as evidence. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 10-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (KY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have contacted all three credit bureaus multiple times XXXX XXXX, XXXX XXXX and XXXX XXXX, XXXX regarding XXXX hard Inquiries and XXXX car loans on my credit report that is caused by fraud. I have filed a police report as they have asked me and also an FTC Identity theft report. Placed credit on a fraud alert. I have provided to them all this information and copies of the documents as well multiple times. They have n't investigation as they are support to in cases of identity theft. Additionally there are collections that were paid that should be removed from the account. I am requesting this inaccurate account is removed from all three of my credit reports XXXX, Equifax, and XXXX Immediately! I would also like a letter and undated copy of my credit report once this has been completed.

Company response to consumer: Closed with explanation