milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-03-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (OH).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I had to go to XXXX for work and called XXXX XXXX XXXX to cancel my XXXX service on XXXX/XXXX/XXXX. On the call I checked with the representative if I owed any pending payments, and got a confirmation that I do n't have any pending payments as of XXXX/XXXX/XXXX. 

Though I was in XXXX, I continued to monitor my Credit Score and credit history and I noticed a sudden drop in my credit score in XXXX XXXX. I pulled my credit report and noticed a collection item for {$36.00} in my report which was a collection attempt made by XXXX XXXX XXXX. 

I contacted XXXX Immediately and they confirmed that it was their attempt. A bill was generated on XXXX/XXXX/XXXX for {$36.00} which went to collection. I paid the {$36.00} on the very day I had called them ( XXXX XXXX XXXX ). 

I explained to them and later argued that it was no fault of mine since, on XXXX/XXXX/XXXX I was informed that I did not have any pending payment and I did not find the need to check my online account after that ( I usually opt for paperless bill, but not sure in this case ). 

I have been their customer for over 5 years and have made an average transaction of over {$1000.00} per year. I am a very responsible customer for not only XXXX XXXX XXXX, but also with any other service provider and deal with everyone with absolute Integrity. {$36.00} is a very insignificant amount for me. I did not miss the payment deliberately. 

I returned to USA on XXXX/XXXX/XXXX and have plans to buy auto and home loans, but due to the hit with my credit score, I am being classified as a sub-prime borrower and getting offers with a very high interest rate. 

Also, XXXX XXXX XXXX are not owning responsibility for their mistake to this day. They made me go in circles to contact the collections agency ( Southwest Credit System ) who directed me to the Credit Bureau ( XXXX ), who in turn directed me back to the collection agency and finally back again to XXXX XXXX XXXX with no improvement to my situation. 

At last, they agreed opened a case with the assurance that nothing good with happen with the case. I mean how can anyone act in such an apathy. 

Turns out that this is not an isolated case and many of my friends who were in similar situation felt victim to this modus operandi of XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 10/30/2016 about Credit reporting () with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I recently checked my credit report and noticed errors on my report that i have no knowledge of or authorized. I reached out to some of the creditors and I have been given the run around. I contacted the credit bureaus about this and I was told to file out an online dispute. I made several attempts an I was unsuccessful to gain access because it says I have answered some of my personal questions wrong. This became alarming and contacted the bureaus again and was again brushed to the side. This inaccurate information is putting a damper on my credit situation and causing me great financial hardship. Please help me resolve this issue.

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 03/28/2016 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XXXX is repeatedly calling my work. I have included a log of the calls received just in the last few days, I deleted the others. 

XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX XXXX XXXX ) XXXX XXXX/XXXX/2016 XXXX XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX XXXX XXXX ) XXXX XXXX/XXXX/2016 XXXX XXXX XXXX ) XXXX XXXX/XXXX/2016 XXXX XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX XXXX ( XXXX ) XXXX XXXX/XXXX/2016 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 09/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WA).
Issue: Problem with fraud alerts or security freezes

Complaint: XXXX XXXX, XXXX - report to Experian that my identity has been stolen ( stolen XXXX/XXXX/XXXX ) and used to open three fraudulent accounts ; XXXX XXXX XXXX, XXXX XXXX, XXXX I opened a dispute to have these removed as well as all hard credit inquiries of which there were eight. 
I reported to my local police, I was advised I had a Security Fraud Alert on my account for 90 days, it could be extended to 7 years once I submitted the police report. This would carry me until XXXX/XXXX/XXXX with the fraud alert. 
On XXXX XXXX, XXXX, Experian allowed another hard credit inquiry from XXXX XXXX, unauthorized and fraudulent once again. I received numerous ( urgent ) calls at my place of employment from XXXX XXXX trying to verify my intent to open an account. 
I have been on hold with Experian for 52 minutes, because I am not allowed to open a dispute online, I must navigate their web of confusion. 
Oddly, an account can be opened online, with no proof of who you are, however I 'm not allowed to dispute a fraudulent account online. 
Experian has failed and I 'm not able to get through to them because their lines are super busy because - well, there has been a breach with another credit reporting agency XXXX, perfect definition of irony. 
What really needs to happen seems so simple - allow consumers to open lines of credit when they are fully able to provide proof of who they are, with picture ID, in person. Something perhaps like what is required to prove you can work in the USA, complete an XXXX and provide originals of the documents required.

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 09/13/2016 about Credit card () with JPMORGAN CHASE & CO. (NC).
Issue: Application processing delay

Complaint: XX/XX/XXXX, I applied online for a credit card with Amazon, whose cards are provided by Chase. I was told I would receive an email once a decision had been made. I did not receive any decision email from either Amazon or Chase in response to my application, nor did I ever receive any communication through the regular mail. 

I contacted Chase directly by telephone today, XX/XX/XXXX, and was informed that my application had been declined on XX/XX/XXXX ( almost a month and a half prior ) due to insufficient credit history. When I inquired about appealing this decision, I was further informed that they only provide 30 days for a decision to be reconsidered. When I pointed out that I was never informed of their decision to be able to request reconsideration, the representative from Chase simply repeated that they provide only 30 days and if I am interested in a card with them, I must apply again from scratch. 

I have XXXX complaints about my treatment and experience. First, that Chase violated the ECOA and the FCRA by not providing me with any notice at all of their decision to decline my credit application - not through email as was stated would happen, and not by regular mail. Second, I believe their conduct was unfair as defined by the Dodd-Frank act. Through their own failure to provide me notice in a timely fashion ( or any fashion at all ), Chase blocked me from participating in their own appeals process in a way that I could not have reasonably avoided. Additionally, the representative I spoke to stated explicitly that there was nobody else I could speak to about this problem and there was no way for me to lodge an appeal at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2017 about Payday loan, title loan, or personal loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (WA).
Issue: Charged fees or interest you didn't expect

Complaint: One Main Financial is a predatory lender. I took out a loan with them a couple years ago and fell behind on payments. Eventually they were able to rewrite the loan so I was no longer behind but they never told me that my principal and interest payments were changing. They are charging me over 90 % in interest. I pay XXXX per month and XXXX is going towards principle. There is no way this loan can be paid off within the terms that I signed the contract. They never disclosed to me the interest rate would jump up to 90 % if the loan fell behind due to me being unemployed. These are dishonest and deceptive practices and One Main needs to fix my loan so that I am able to pay this off in a reasonable amount of time. This is not right and they refuse to fix this issue. They lied to me and now are trying to go after me for not paying my loan but they are robbing me on interest. This loan should be paid off in the time frame agreed and the principle and interest needs to be fixed. They never told me or disclosed this interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2018 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (MS).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I just paid OFF my XXXX XXXX XXXX Credit card on XX/XX/2018 ( with XXXX XXXX ), the account is now CLOSED. 

I'm making a request that XXXX XXXX should be notified to report my PAID OFF account status to all 3 Credit card bureaus to help improve my credit report, thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I HAVE WRITTEN EACH CREDITOR AND TRIED CALLING WITH NO SUCCESS THEY DO N'T WANT TO HEAR THAT THESE DEBTS ARE NOT.MINE. I GOT HELP FROM THE IRS SO THEY FLAGGED MY SOCIAL SECURITY NUMBER. BECAUSE I 'M THE CLEAR VICTIM OF I 'D THEFT. 
XXXX, XXXX, XXXX XXXX AND XXXX ARE CLEARLY NOT ME, I 'VE BEEN WITH XXXX.FOR XXXX YEARS, NEVER XXXX, AND I DO N'T EVEN KNOW WHT the others ARE. 
EASE HELP ME, I 'M TRYING TO GET MY CREDIT UP TO BUY A HOME. PLEASE HELP ME TO ERASE THESE CREDITORS? THANK YOU XXXX XXXX XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-11-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (IL).
Issue: Problems caused by my funds being low

Complaint: I noticed that Chase will charge an NSF fee to make it seem as if it is an opportunity to charge a fee, but I also noticed that upon making a purchase with lots of funds yet it stays in the pending status for a day or two. Also, I notice when my deposit check and purchase at the same time, within a few hours or same day, the bank will charge a fee, making it seem as though due to less funds they have to charge a fee which is a not so good advantage as they can see the funds in their systems, and take it immediately out of the pending status and the merchant did not even request it that fast. I feel this help keep the bank funded at the consumers ' expense, as this economy is very stressful. 

My deposit was made before the cut off time but yet I was charged a XXXX dollar fee in my account. This also happened before. I was charged another XXXX dollar fee. I work hard to keep my account in correct form because I have been a Chase customer for 45 years.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I submitted a loan modification back on XXXX XXXX, XXXX and was denied XXXX XXXX, XXXX. I have fallen behind on my monthly payments for various reasons. I have not had a stable income because I have been employed and unemployed throughout the years. I lost my job in XXXX and all of XXXX I was unemployed. I got by on a day to day basis depending on the rental income that I would receive once a month but as of XXXX XXXX the tenants stopped giving rent. My son who was also helping me financially moved out and I have had to stay and deal with the tenants who are occupying the home without paying. I have seeked helped to evict the tenants but it takes money ; which is something I do n't have. I 'm doing my best to try and save my home. I have thankfully been blessed with another job but I do not have the money to reinstate based on the circumstances that I have mentioned. Please help me save my home as I do n't know where I will go if I lose it.

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2017 about Debt collection (Other debt) with Southwest Credit Systems, L.P. (PA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: XXXX  was in my name in  XXXX . My husband was bouncing my checks, taking money and not paying bills, etc. We transferred the account from my name to his. When I called, the customer service representative told me as long as I opened another account, there would n't be any problems or charges.     The service was not disrupted and they did n't send new equipment or a service man to connect the service. I moved to   XXXX   and turned on  XXXX  in my name again.     There is a collection on my credit report for {$140.00}. I called and they said that I broke a contract but did not send any information to me.  XXXX  told me they were two separate entities after they turned off my service and reconnected it.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: My student loans have always been in Deferment and Forbearance due to my situation at the time. Anytime I took on the deferment or forbearance the creditor re-aged the account and back dated the deferment or forbearance however on my credit report there is some inconsistency. XXXX XXXX XXXX shows I have missed XXXX payments open in XXXX 2007 on XXXX account and XXXX payments on the additional account opened XXXX 2007. The information is reported incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with Atlanticus Services Corporation (MD).
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint: In XXXX of XXXX I opened a credit card account with XXXX. The literature that was mailed to me stated that the initial credit limit of {$700.00} would be doubled after seven months if the account remained in good standing. That is, no late payments were made on my part. I called XXXX  in XXXX to ask when my limit would be doubled. The representative informed me that since all payments had been made on-time, the credit limit was set to be doubled in XXXX. After I made a on-time payment for XX/XX/XXXX, I noticed that the account limit was still {$700.00}. I called customer service and was informed that my account limit would not increased due to the fact that it had briefly been over the credit limit. I responded that this was not part of the original contract and reminded the representative of my earlier conversation with a XXXX agent. She then informed me that since my initial credit limit was under {$1000.00}, my limit would double after ten months, in XXXX of this year. She completely omitted the over-the-limit issue. Again I reminded her that I had spoken to an agent who indicated that the limit would be doubled in XXXX. The representative was very rude and constantly interrupted me. I informed her that I would report this matter to the CFPB, the FTC, and my state 's Attorney General 's Office.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with CCS Financial Services, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: TO WHOM IT MAY CONCERN-THIS ACCOUNTIS REPORTING AS OPEN AND PAST DUE THAT WAS INCLUDED IN MY CHAPTER XXXX CASE # XXXX. I HAVE MADE MANY ATTEMPTS TO THE COLLECTIONS AGENCIES TO CORRECT THIS INFORMATION WITH NO SUCCESS. THESE ACCOUNTS HAVE ALSO BEEN SOLD TO NEW COLLECTION AGENCIES THAT ARE REPORTING THESE ACCOUNTS AS NEW ACCOUNTS, WHICH I UNDERSTAND TO BE ILLEGAL PRACTICES AND HINDERING BY ABILITY IN REHABILITATING MY CREDIT AND MY PROTECTION UNDER THE CHAPTER XXXX BANKRUPTCY LAWS. 
ATTACHED YOU WILL FIND A COPY OF MY CREDIT REPORT AND CHAPETER XXXX PAY SCHEDULE OF CREDITORS

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I had a credit card open with citi bank. I got some fraud on it back in  XXXX  of  XXXX  every month since, I have called citi and explained that it was fraud and they would take it off. They never took it off and in  XXXX  of   XXXX  , they claimed it was 30 days late even though it was the fraud I was not paying. Then in  XXXX , they claimed it was 60 days unpaid and again I called and they said it was fixed. they didnt, they sent it to collections. i called agian and corrected and they said it was fixed. I got conformation this weekend because I received a statement with a negative balence. Only problem is, that shows on my report and m y credit score o f  XXXX   ( t hat I have paid every bill I have ever had early ) has sunk to  XXXX  will this go away or what do i do next?

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 01-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: This is regarding our Bank of America home Equity line of credit interest only loan. Our HELOC loan went from interest only to principle and interest which substantially increased our monthly payment. We asked Bank of America to extend our HELOC loan interest only because we could not afford the monthly payment. We noticed that Bank of America intentionally delayed responses to written requests for assistance. After several month of no cooperation with Bank of America our loan was seriously delinquent. Eventually Bank of America offered a loan modification which they call a trial period. The condition of the loan modification was that if I make XX/XX/XXXX, XX/XX/XXXX, and JXX/XX/XXXX payments on time and in full {$780.00} that our loan would be brought current. 
In XX/XX/XXXX we received a letter stating that we successfully completed the trial period and approved for an extension to the term of our equity line of credit. A few months later in a credit report we discovered that Bank of America continued to report late payments for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I called Bank of America and asked why they continue to report false information when in fact our loan was brought current and the only way to have been given the loan modification the agreement was three on time full payments. Bank of America representative said it would be cleared up sometimes it takes 30 days to several months but it would be cleared up. 
In XX/XX/XXXX a recent credit report continues to show that Bank of America is reporting the we are making late payments. I called Bank of America on XX/XX/XXXX to complain about the false information they have been reporting. Bank of America representative did some research and according to their records only the XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX  monthly payments show late payments from XX/XX/XXXX to the present every payment has been on time. Bank of America representative could not explain why these three months were reported late and yet we were given the loan modification for successfully make XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX payments on time ( Ref # XXXX ). I was told it would be researched and someone one get back to me. 
Bank of America intentionally delays their responses so that our credit reports score is impacted by their fraudulent reporting practices. So called working with Bank of America has been the worst experience I have had. We are doing all that we can to get away from doing any further business with Bank of America however due to their false reporting we are unable to refinance our home loan.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2015 about Mortgage (FHA mortgage) with PENNYMAC LOAN SERVICES, LLC. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I have several complaints that has occurred since my loan was transferred from XXXX to PennyMac in XX/XX/XXXX. First, on XX/XX/XXXX I received a letter from PennyMac stating I have an escrow shortage for {$9.00}. I called the XXXX provided on the letter to get clarification since my previous escrow review when with XXXX was done XX/XX/XXXX and was not up for review until XXXX XXXX and also, I received a check XX/XX/XXXX for an escrow refund and as of today my escrow balance meets the fha guideline for 2 months reserves. I spoke with a rep from PennyMac and pointed out several irregularities that appear on the letter and my online account. These items are multiply pmi payments XX/XX/XXXX when it was paid by XXXX and it was never credited back. Second, I have never missed anypayments but PennyMac continue to show late payments and charged my account and then revised the fee but never update it records to show. Third, I believe this company is not acturally maintain mortgage accounts and having customers covering their mistakes.

Company response to consumer: Closed with explanation