milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
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: DENIED CREDIT DUE TO TRANS UNION, XXXX, AND XXXX  CLAIMING I HAVE HIGH RATIO TO BALANCE CREDIT LIMIT AND LENGTH OF CREDIT ACCOUNT OPEN

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 06-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (NY).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Paid off my  America  eagle and   XXXX   XXXX   XXXX   XXXX   credit cards over  three  yrs, and it still showing up in my credit report.also someone is trying to get credit with my name

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 02/25/2017 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint: this company is been reporting on my credit report for so long, XXXX needs to be removed its been on my report since 2010 and based on the law it should be removed for my report. this account is preventing me from providing a better housing for my family.

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 11-05-2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (MA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I am current disputing a debt with XXXX. While i have disputed this debt it has been referred to 2 collection agencies. I have requested verification of the debt from both collection agencies and not received any verification. Two executives have acknowledged my dispute with the money owed, but there is no indication that they are investigating this matter. 

I have filed a complaint with the XXXX of Massachusetts. They have acknowledged the dispute but they have not investigated my complaint. 

Basically last winter i called to quit XXXX. The retention specialist offered me a new discounted plan with extra channels that was supposed to cost less. My account was changed while i was on the phone. The retention specialist failed to tell me that a regional sports fee would be added to my account as well. 

XXXX : XXXX This link is from Massachusetts Cable TV Regulations 10.02 : Services, Rates and Charges Notice ( 1 ) The cable television operator shall give notice of its services, rates and charges to potential subscribers before a subscription agreement is reached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-03-2015 about Credit card () with JPMORGAN CHASE & CO. (MI).
Issue: Billing disputes

Complaint: Complaint XXXX : XXXX, Chase Bank, and XXXX Bank Credit Card Solicitation PracticesBait and Switch Fraud! 

On XXXX XXXX, 2015 ; I signed up for a credit card on XXXX. I was enticed by the offer that I saw, which was " 12 months no interest ''. Unfortunately, I would soon realize, I did not receive this offer. 

In XXXX of 2015 ; I received a credit card statement and to my surprise, I was being charged interest on a purchase that was supposed to be 12 months no interest. 

I immediately called XXXX to rectify this issue. I was only on the phone with XXXX for a few minutes when a representative told me the credit card that I have is through Chase and XXXX does n't handle credit card inquiries. With that information, I contacted Chase, it was during that conversation that I was awoken to the fact that I had signed up for the XXXX Awards credit card through Chase and not the XXXX XXXX XXXX. Furthermore, I was told by the Chase representative that Chase did not offer the 12 months no interest and that interest was effective immediately at 19.24 %. 

Below is a side-by-side comparison of the XXXX XXXX credit cards, XXXX offered through Chase Bank, the other through XXXX Bank. Can you tell which one is which? How about while seeing the XXXX offering 12 months no interest first and then the one not offering any incentive during the checkout process? Why is XXXX soliciting multiple credit cards at the same time? I ca n't ever recall another store with similar practices, can you? ( Images would not load on this page XXXX The answer is pretty clear. XXXX is " Baiting '' consumers with the XXXX XXXX XXXX 's 12 months no interest and " Switching '' the credit card sign-up page to XXXX Rewards, with no benefits and high interest rates. It 's inconceivable that XXXX, Chase Bank, and XXXX Bank have partnered up to blatantly defraud customers. 

The resolution that I am seeking is to receive the terms that I signed up for, or would have, if XXXX had n't switched the offer. 12 months no interest and credit of the interest that I 've already paid.

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2017 about Debt collection (Auto debt) with National Commercial Services, Inc (OH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Subject was contacted on XXXX/XXXX/XXXX around XXXX XXXX  company advised Subject that he owed the amount for XXXX. Subject advised he was recording the call and the company rep decided she would try to verbally attack subject by means that are prohibited by state and federal laws. Subject told company he is not paying anything and they decided to press an issues of suspending subjects driving privileges. Subject makes it known to us and subjects local police department that the Federal Bureau of Investigation and Federal trades commission, Subject States on Record that company is trying all means to collect debt and insurance company also told him that the company being used is ( National Commercial Services ) to collect debt. Subject States call between him and XXXX the floor manager was recorded. Subject statement and report was reported to the Federal Bureau of Investigation and report was taken due to company being under the Federal Bureau of Investigation Criminal Activity Watch System. Subject states that the insurance company is XXXX XXXX XXXX of Ohio. all legal information was recorded to the local police department to Chief XXXX of the XXXX Ohio Police Department and to Federal agent XXXX XXXX. Be advised that Federal Bureau of Investigation has identified the said collection agency as fraud and for the subject not to engage in any contact. and if any further actions is taken or calls are received to contact the Federal Bureau of Investigation and Federal Trades Commission. At this time the Federal Bureau of Investigation and Federal Trades Commission is aware of the issue and fraud and is conducting an investigation and if any legal actions is taken they will handle it in full.

Recordings have been summited to the FBI CFPB FTC Subject is required to forward this CFPB and Federal Bureau of Investigation Report, and the Federal Trades Commission to com-pany 's involved.- Subject states the number listed for NCS is XXXX Contact information for the Federal Bureau of Investigation XXXX Federal Trades Commission XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 about Debt collection (I do not know) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: SPS is trying to steal through fraud deception of money I do n't owe them, and can not prove they lent me money, and statue of limitations to collect after bankruptcy XXXX, illegally along with two trustees acting in RICO with armed forces  police, sherrif, military mercenary or otherwise it a threat Commercially illegal instruments, that they have no rightful claim on or they would have done so. 
Sps needs to prove who the Attorney is and XXXX XXXX, and XXXX XXXX XXXX and XXXX XXXX XXXX that did not even loan money but used my credit to go to the Fed window and use funds and lend back out with Usury 9.99 % interest to 14 %. XXXX XXXX XXXX has not been in business since XX/XX/XXXX and I have no contract then with two signatures one with them and me on any paperwork nor their parent company XXXX XXXX. You all have arrest warrants issued and a defaulted bill. Principle to agent, agent to principle. Show your face who you are and XXXX XXXX and others such as XXXX XXXX has a defaulted bill in force. Commercial Lien will be coming out for your Fraud. 
someone has forged my good name to the 1-4 rider documents and is a crime per California code 115 a. and no trespass as well. You are now Liable once again. You better have a chain of title if anyone steps foot on my land and you cant foreclose since my property has more than one address and service only one as well. hint you charters are being reviewed now. XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 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: Information belongs to someone else

Complaint: Hello. I am submitting this complaint because the credit bureaus have not wanted to help me. I am a victim of Identity Theft and someone has my information, and they are applying for credit accounts without my knowledge. I placed a fraud alert on my report and spoke to the credit bureaus. 

XXXX : XXXX XXXX I - XX/XX/XXXX Experian : XXXX XXXX XXXX - XX/XX/XXXX XXXX : XXXX XXXX XXXX - XX/XX/XXXX I XXXX XXXX - XX/XX/XXXX I have spoken to the bureaus on multiple different occasions and they have not been able to help me out in any way. I have even spoken to a supervisor and they will not help me. I am not sure why but i have done everything in my power to get this issue resolved. I am unable to apply for any loan or any credit because i am too scared of someone using my identity.

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 04/24/2017 about Debt collection (Other debt) with PNC Bank N.A. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I recently filed a complaint against,  XXXX   XXXX   XXXX  regarding this same issue. However, the same issue remains with  PNC Merchant Services.      In  XXXX  of  XXXX , I purchase a   XXXX   XXXX   in Florida. As part of the venture, I signed up for merchant services with  PNC Merchant services. As part of the agreement, PNC Merchant Services  would take a percentage of my company 's production that was processed via credit card. Each credit card ( e.g.  XXXX ,  XXXX   XXXX ,  XXXX , etc ) had a different percentage that would be deducted for the amount collected.     In  XXXX   XXXX , my   XXXX   XXXX   went out of business and a settlement agreement was reach with  PNC ba nk to write off the remaining loan balance, as the business was sold at a significant loss. The credit/debit card machine was returned to  XXXX   XXXX  via  USPS  delivery confirmation.  XXXX   XXXX  and  PNC Merchant se rvices were both informed that the dental practice was no longer in business and that all equipment was returned.     The last credit card purchase made at my business was during the first week of  XXXX   XXXX , at which time,  PNC Merchant Services  took their agreed upon percentage. No further transactions were processed at the business, and the credit card terminal was returned. However , PNC Merchant Services  continues to sent me bills for aggregate fees, which I do not owe since I have not used their credit card services since the business closed. Any percentage of   XXXX   is  XXXX . Please help me resolve this issue. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/28/2015 about Mortgage (FHA mortgage) with Ditech Financial LLC (AR).
Issue: Loan servicing, payments, escrow account

Complaint: The mortgage was transferred from XXXX to green tree on XXXX XXXX. The same day a escrow summary was sent from XXXX saying we needed to pay a buffer of XXXX by XXXX XXXX or the mortgage would go up by XXXX dollars. Green tree has no records of this but shows the increase of the mortgage. They have no escrow rep other than customer service and do n't even have our latest escrow records. How can they have our mortgage and no escrow records? I 've talked to supervisors and no one will help us. And I Faxed them our own records out of pocket to try and get this taken care of before XXXX XXXX XXXX what We got was they would review it. We are running out of time. It 's very bad run company and they sent us a record when We complained saying We were disputing the debt. Like I was disputing the whole mortgage. We were not and it was a scare tactic. I 've lost my temper with them and been frustrated, I 've tried being nice, I 've tried to be considerate and it all fails. We just do n't understand how they are strong arming us for asking questions about the mortgage. 
The kicker is they tried to talk us into refinance at one point too. I just do n't know what else to do. They said they would take the buffer over the phone and waive the fee, but when I faxed the paperwork on XXXX XXXX no one called back. Then on XXXX XXXX I called and the supervisor would n't even get on the phone and they said escrow dept would have to review and they did n't know how long it would be. Effectively putting us past XXXX XXXX. I 'm distraught by this company and the lies, ineptitude, and general feeling of doing us a favor of taking our money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 10/21/2017 about Debt collection (I do not know) with CAVALRY INVESTMENTS, LLC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: THIS IS A COMPANY OUT OF NEW YORK THAT I DO NOT KNOW AND HAVE NOT OWE THEM XXXX XXXX XXXX AND CONTINUES TO CALL MY CELL AS IF I OWE A DEBT TO THEM NEVER HAD ANY DEBT WITH THEM AND NO ONE THEY ARE AFFILIATED WITH JUST A PHISHING COMPANY TRYING TO PEND AN DEBT! THIS IS THE WORST NAMERICA CAN GET WHEN THIS COMPAINT VIOLATES THE FAIR CREDIT REPORTING ACT CONSTITUENTLY NO LETTER, CALL AFTER XXXX ON WEEKENDS AND RING MY CELL PHONE TRYING TO SCAM MONEY FROM AMERICANS THAT DO NOT OWE THEM AND NO ONE ELSE A DEBT. I DO NOT OWE XXXX XXXX XXXX TO ANYONE IN AMERICA! THIS CAVALRY PORTFOLIO IS NOTHING BUT A ROBO CALLING ID THIEF!

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2016 about Credit card () with SYNCHRONY FINANCIAL (NJ).
Issue: Other

Complaint: I am formally making a complaint against synchrony bank regarding my guitar center card ( acct # XXXX ), I received a voice mail from them today ( XXXX/XXXX/16 ) informing me that my account was past due XXXX payments and a delinquent was reported to the credit bureaus, which is the sole negative on my credit history ever and has lowered my fico. 
I informed them that there must be an error because I have been enrolled in autopay for the past 2 years, I was also informed that there are XXXX late charges ( $ XXXX {$60.00} ) and they stated they will not remove them, I even pointed out that the XXXX & XXXX payments posted without issue, however, the last person I talked to that hung up said she did n't see any information ; I have been attempting to resolve this issue all morning and have gotten nowhere, I have been hung up on 3 times today when I ask to speak with a supervisor, I dont know what recourse I have but this can not be allowed to stand and I can not be bullied and have my credit score impacted when I have never had a derogatory or late payment with any of my accounts and there is no on I can talk to to resolve this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-01-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CAINE & WEINER COMPANY, INC. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: CAINE & WEINER has submitted to the XXXX credit bureaus a collection account for XXXX that does n't belong to me. I have had XXXX communication with them and all of a sudden there appears this collection account. The account does not belong to XXXX it is fraud and needs to be removed. I have attached a police report and FTC affidavit. Please remove and cease collection

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this compliant because TransUnion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed being that they have gone past 30 day mark and ca n't verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as you can. Thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I am an Identify Theft victim and I was recently forced to hire a company to assist me in removing fraudulent files from my credit reports. 

After a thorough review of my reports, I noticed that Capital One had placed an inquiry to my reports on XXXX. 

After speaking with representatives from XXXX, I was told to notify Capital One in writing and wait for their response. Once I received a response, stating that the inquiry should be removed, I was to forward it to XXXX. This is their procedure for removing a Hard Inquiry. 

I sent a certified letter to Capital One and it was delivered to them on XXXX XXXX, 2015. The letter asked them to either remove the hard inquiry from my credit report or send me proof that I had given them permission to run my credit. 

On XXXX XXXX, 2015, I received a response from Capital One. However, the letter I received did n't indicate whether I had applied for credit with them. It was informing me of the different types of inquiries, which I already had knowledge of. So, I contacted them by phone and was told that I had multiple accounts with them and one is presently documented as a paid closed account on my credit report. I asked the representative if she could forward me any information regarding these accounts and after nearly XXXX minutes on the phone, she encouraged me to communicate with the credit bureaus. 
I have never had an account with Capital One and I have never applied for credit with Capital One. 

Therefore, I am filing a complaint CFPB, hoping to get a successful resolution of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2016 about Mortgage (VA mortgage) with SUN WEST MORTGAGE COMPANY, INC. (KY).
Issue: Loan servicing, payments, escrow account

Complaint: I called Sunwest Mortgage to see if I could pay my XXXX payment on XXXX XXXX. I 've never made a late payment in 2 years since I purchased the house. I wanted to make a payment arrangement to make sure my payment was made for XXXX ( since I 'm going through a divorce I have to pay rent, mortgage and child support now ). They were not at all compassionate about my situation. They said if they did n't get the principal by today, I would have a negative mark on my credit report, they would send an intent to foreclose, and I would have to make 2 XXXX payments. 
I think this is totally unfair. Again I have not missed a payment in 2 years. 
I 'm going through a financial hardship with my divorce. The " intent to foreclose '' is not true, the house is on the market and I do n't intend to miss any payments until it is sold.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2015 about Debt collection (Medical) with Advance Bureau of Collections (GA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: The collection called a family member on there job and gave full disclosure regarding an alleged debt. This family member was not my spouse.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2018 about Debt collection (Medical debt) with Russell Collection Agency, Inc (MI).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I was not notified of the attempt to collect on the debt. I recently found out about it when I looked into my credit report. I called the agency & they stated that they did not have my apt number & that the letters were returned back to them. They obtained my cc # from me. Also this was a car accident had I known about the bills I would have submitted them to my car insurance to cover them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/22/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: Navient will not remove my cosigner despite paying the loan on time for four years, making $ XXXX/salary, having a good credit rating, providing my XXXX diploma as all required through their website. I have already paid {$80000.00} in interest. On top of this my interest rates are higher than my credit cards and they will not lower them. Some are at 10 % on loan amounts {$28000.00}. They wo n't consolidate, lower interest rates or provide any other sufficient ways to repay this loan without accumulating massive amounts of compound interest. The school I graduated from is not XXXX and has closed XXXX campuses XXXX XXXX XXXX XXXX XXXX. This is fraud/swindle and should be illegal.

Company response to consumer: Closed with explanation