milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-06-2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (CA).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: On XX/XX/17 while trying to put down a {$200.00} deposit for my daughters XXXX birthday I was told that my card was declined. I called XXXX XXXX only to be rudely told that all of my accounts with them had been closed and that I would have to wait for a letter in the mail to find out why. I have never missed a payment in fact I make multiple payments a month. I would like all of my XXXX accounts restored.

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
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: Experian has been committing fraud for as long as they have been established. Numerous inaccuracies on my account. They 've done nothing to rectify my situation. I have disputed numerous times with them, and they do nothing regardless of the fraud listed within the report. Experian needs to remove anything negative from my account as I have flawless payment history and I should have perfect credit. Unfortunately, due to their inept employees, outdated Infrastructure exposing them to security vulnerabilities and lackadaisical attitude when it comes to customer service, nothing has been done. 

Remove inaccuracies and make sure to re-list a positive account that was closed that I never stated to remove. There was a citi credit card that I had a positive history with. FCRA regulations state that a positive line of credit can maintain for up to 10 years and it has n't even been 5 years yet.

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 06-12-2015 about Debt collection (I do not know) with TRANSWORLD SYSTEMS INC (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Have received calls over the last several days from various numbers, but the call is conducted in the same manner. They ask for me, I ask who is calling, they only give their first name - will not say where they are from or what it is about. They continue to ask for personal information. Since I am not familiar with this person, I simply say they have the wrong number and to stop calling. I do not know what this is about, but it is beginning to become bothersome and concerning. The other numbers involved are : XXXX ; XXXX ; XXXX ; XXXX. Again, I believe it is the same organization just using different numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2016 about Student loan (Federal student loan servicing) with ACS Education Services (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: This company : -Does not provide customer contact information -Does not send notifications -Does not notify specifically when your repayment status changes ( e.g., when deferment ends ) If you are late in making payments for the above reasons, the company : - Continues reporting your account as past due EVEN AS YOU MAKE PAYMENTS on time - Continues marking your account as delinquent so that you can never get ahead - Does not provide documentation of past payments - Does not offer payment plans to take care of past due amounts I would also like to emphasize that reaching them is nearly impossible, so you are effectively sending money into a black hole with little verification.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (NC).
Issue: Trouble during payment process

Complaint: For the past year or so ; I have added money to my regular monthly payments to reduce the principal. As of lately ; they have started crediting the overage to future payments rather than reducing my principal. I have called them 2-3 times on this already and here again this month they have done the same thing. I want my money to be applied where I state it on the billing stub I send in with every payment. What is my recourse?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2017 about Debt collection (I do not know) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Stated debt was opened on XX/XX/1991. I was XXXX and living at home without a job at the time. They have never provided information regarding what this debt is, or any information to prove it is mine, nor informed me of any hearings in regards to the matter except the final motion to claim exempt property. I was not living in the state of Florida when the final Judgement on the case was served in the state of Florida, nor did I receive any notification this was happening.

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 09/16/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: On XXXX XXXX, 2016, I checked my credit on XXXX XXXX and had a total of XXXX hard Inquiries removed from my report. I checked my account on XXXX XXXX, 2016 and all XXXX Hard Inquiries were placed back on my report without sending me a reinsertion letter as required by FCRA section 611. I have been calling Transunion ever since and have received no help. When I ask to be transferred to an American representative, no one will transfer me. Several agents have been belligerent, that they know what happened, but it 's basically too bad and I should simply file a complaint because they will not fix it.

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 01/25/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Tried numerous times to consolidate loans, using foreberances ( Navient still withdrew money from my account, causing overdraft fees from my bank ) and the website is not very user friendly.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (NJ).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: The credit card issuer invited me number of times to apply for a credit card.and every Time i apply i get denied.my credit score is good and i do get accepted through other Credit cards that do approve my application with out no problem.i would like to have them Investigated to be certain that there is no discrimination issues involving my efforts Applying for this type of credit card.so that it will be no complaints in the future.Thank you sincerely.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 non-monetary relief
Consumer complaint received 10-01-2016 about Credit card () with CITIBANK, N.A. (GA).
Issue: Other

Complaint: sears just closed my account thats been open for a couple years for no reason i paid on time i have no big balance with them

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 04/29/2015 about Consumer Loan (Vehicle loan) with NATIONAL AUTO LENDERS, INC. (FL).
Issue: Problems when you are unable to pay

Complaint: Harrassing phone calls, during the times I specifically asked them not to call. Every time we speak I let them know I am unavailable at certain times, and it negatively affects my current job position. However, I still receive multiple calls, back-to-back, during the times i am unavailable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/27/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Advance America, Cash Advance Centers, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: THIS ACCOUNT WAS INCLUDED IN A CHATER XXXX THAT WAS CONVERTED INTO A CHAPTER XXXX. THIS COMPANY CONTINUES TO TRY AND CONTACT ME AND HAS PLACE THE ACCOUNT ON MY CREDIT REPORT. BK XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AL).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: My payment is current, but I 've received collection calls everyday and there 's also a late fee on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MO).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I HAVE TRIED TO FIX THE FRAUDULENT PERSONAL INFO ON MY CREDIT REPORT BUT EXPERIAN WONT ANSWER.

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 05/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have sent documents numerous times to Equifax, XXXX, and XXXX and they still refuse to correct my credit reports. The following Loans have been off since XX/XX/XXXX and the reporting agencies refuse to update my credit reports. The following loans appearing on my credit reports have been paid in full on XX/XX/XXXX : 1. XXXX - account numberXXXX amount paid {$2200.00} 2.  XXXX - account numberXXXX amount paid {$5400.00} 3.  XXXX - account number XXXX amount paid {$5500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2016 about Mortgage (FHA mortgage) with LENDER LIVE (UT).
Issue: Loan servicing, payments, escrow account

Complaint: I have an issue regarding a mortgage payment I am trying to get corrected. My wife and I have a mortgage that was opened XXXX XXXX and we began making payment to our loan servicer ( Lender Live ) on XXXX/XXXX/XXXX. As of XXXX XXXX our loan was sold to XXXX XXXX. I had made the payment for the XXXX/XXXX/XXXX due date through Lender Live on XXXX/XXXX/XXXX, however, when Lender Live sent my loan information to XXXX XXXX, they advised XXXX XXXX that I was still due for the XXXX/XXXX/XXXX due date instead of the due date of XXXX/XXXX/XXXX. At this point, I have spoken with Lender Live customer service a few times and unfortunately they have not been very helpful to resolve this. XXXX XXXX has provided me with copies of the documentation they received from Lender Live and it does show that the payment was still due for XXXX/XXXX/XXXX. At this point, I am needing Lender Live to get in touch with XXXX XXXX to provide them with the correct documentation showing that the first payment I was to make to them was XXXX/XXXX/XXXX or else have the XXXX/XXXX/XXXX payment sent back to me so that I can send it to XXXX XXXX myself and receive credit for it. I hope this makes sense and hopefully you can point me in the right direction to get this issue resolved. 

Thank You! 
XXXX XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2015 about Bank account or service (Other bank product/service) with SYNCHRONY FINANCIAL (CA).
Issue: Using a debit or ATM card

Complaint: On XXXX XXXX 2014 - I purchased a Sofa set online at XXXX XXXX XXXX XXXX .... I used my line of credit with Synchrony Bank to pay for the order. 

I received an email from XXXX that same day. The email read : '' The manufacturer has notified us that the item XXXX s ) in your order will not be available as soon as expected. They do estimate the product will ship out from their warehouse on or around XXXX. Please note that this is an approximate date of when the items will leave the warehouse. Your order will continue to process unless you notify us of your request to cancel before your order actually ships from the warehouse. " On XXXX XXXX, which was XXXX day 's later, I wrote an email to XXXX customer service department, advising that I would like to cancel my order with them ... Even though I was in the allotted time frame to still cancel my order, XXXX did not honor my request, and they still shipped the sofa set out to me anyway. I did not accept the shipment - and they took it upon themselves to bill my Synchrony Bank Account for the shipping charges. ( Which were {$1200.00} XXXX I tried disputing the charges with Synchrony Bank - and they ended up favoring XXXX due to XXXX fine print - which contradicted what they advised me in their email communications ... 

I have kept all the emails that were sent back and forth between XXXX and myself, as well as the documentation from Synchrony refusing the dispute I filed. 

I am just appalled that XXXX company 's are getting away with this - and I do n't know what to do ... Synchrony has already put a ding on my credit report because of my refusal to pay for something that I cancelled.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2017 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (AL).
Issue: Loan modification,collection,foreclosure

Complaint: I gave you a detailed explanation with documents on " what happened ''! You ARE NOT ON OUR SIDE!!! You 're a XXXX XXXX that collects money from we taxpayers with no real intention of helping anyone! You 're a XXXX farce, a fake! and SOON you will ALL be exposed for the XXXX, the demons, the discredit to the human race that your are!!!!

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 11-03-2016 about Mortgage (Other mortgage) with BANKUNITED, NATIONAL ASSOCIATION (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Refinanced home in XX/XX/XXXX while being promised a XXXX % received a negative amortization. Since payments were not affordable, ( rising from {$590.00} to {$1300.00} to {$1600.00} to {$3600.00} t0 {$4400.00} and so on ; I was granted by the lender a modification at XXXX % through their retention and modification department and further they said that if I added my children to the property, it would better protect me ; 8 month later they accelerated the mortgage because an unqualified banker did my modification. It was prepared by the bank on XX/XX/XXXX and recorded in XX/XX/XXXX. 
I hired Attorney XXXX - He used the more unconventional form of non litigious behavior with the bank, upon a hearing and a modification request 5 years later ; to no avail Enter attorney XXXX and gets paid XXXX for what I discovered to be a " skeleton Bankruptcy- Case is dismissed in Court Enter attorney for a family members of mine, co owner of property with kids and I and files his own personal bankruptcy, for his homestead Enter XXXX XXXX was hired to fight the foreclosure and get a modification. On XX/XX/XXXX, he goes to court without my consent and signs off my rights to my home ; I called him and told him I would be filing a bar complaint that where were my modification papers ; answer lost He sent {$1000.00} withdrew from the case and left me hanging In walks XXXX to do the Bankruptcy Chapter XXXX, XXXX motion for stay not filed I do not know why, takes home out of bankruptcy, and sends Chapter XXXX papers that represent the wrong figures Enter Foreclosure Sale Date : XX/XX/XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2016 about Debt collection (Medical) with AAA Collections (SD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: Debt collector from Triple A collections from XXXX XXXX, SD. I believe that was the company name. Their phone number is ( XXXX ) XXXX. They mentioned the bankruptcy before I did and still tried to collect on the debt. The debt is from XXXX XXXX. The amount is in excess of {$2000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2017 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I have master card credit card from bank of america I found transaction in my statement XXXX for XXXX XXXX MI. I did not made this transaction and i did not know any thing about this merchant. I made a claim to Bank of America after that they sent me a new credit card and remove this transaction. about one month later they called me and denied my claim. I tried to describe that I did not made this transaction but they did not gave me any attention. 
I called them again and reactivate the claim again. 
after one more month they did not change the decision

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 03/23/2018 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (OK).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I am still having a problem with Bank of America remodifcation loan applied due to medical conditions 100 % XXXX Veteran. I have all documents sent numerous times via fax and XXXX never processed. 
Promissory estoppel Appelliate Case Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Document XXXX Filed XX/XX/2016 CFPB Complaint Number XXXX XX/XX/2016 Bank of America account ending 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 11/28/2017 about Debt collection (Federal student loan debt) with Navient Solutions, LLC. (OR).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: XXXX XXXX XXXX has continually called my family members, including my ex-mother-in-law ( have n't been in that family in over a decade ). Today, the company called two of my colleagues on their personal cell phones, one of whom has only been employed here for a month. I can understand reaching out to family members, but calling people with whom I work is inappropriate, embarrassing, and harassing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I filed bankruptcy and XXXX 2015 and it was discharged in XXXX 2015. Debts included in my bankruptcy started coming off my credit reports on their own and the ones I did dispute I received a quick response and they were removed. I 'm having an issue with XXXX/XXXX I have disputed it many times to all XXXX credit reporting bureaus, on the most recent XXXX I sent a copy of my bankruptcy petition and the result was they updated it on my report saying charged off sold to another lender but, yet on a privies dispute about two months ago they updated reports with status as included in chapter XXXX bankruptcy and now they have changed it to the charged off status. On last dispute XXXX would n't accept my dispute because I had previously disputed. The dispute case numbers I provided above are the most recent ones. XXXX/XXXX is showing up as derogatory and negative on my reports which is affecting my credit score as I am trying to build my credit. I 'm having success rebuilding my credit except for with this company reporting incorrect information on my reports. This is the only negative thing on my reports. As I am looking to the future trying to buy house with my husband, obtaining certain credit cards ( which I am using responsibly ) or loans to help build credit I 'm not able to because of this derogatory/negative incorrect information being reported.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Midland Funding is still reporting a delinquent account on my credit file despite its failure to prove its claim in court when it sued me and despite multiple requests asking it to stop reporting derogatory information on my credit file and remove negative information it 's been reporting about me since XXXX XXXX. 

Midland Funding has never advance any fund to me. It falsely claims that it became my " creditor '' when it allegedly purchased a debt I owed XXXX. it claims XXXX sold the debt to XXXX XXXX and it acquired the debt when XXXX receivable merged with XXXX XXXX and when it subsequently merged with XXXX. 

Around XXXX, out of the blue, I was receiving collection letters from Midland Funding asking me to pay {$2400.00}. When I finally requested debt validation, it immediately proceeded to suing me even before responding to my debt validation request. 

I responded to the lawsuit denying owing money to Midland Funding. When preparing for trial and examining Midland Funding 's evidence documents I noticed that the documents and affidavits were bogus. That they were prepared to fit its false claims. So I subpoenaed specific evidence but on trial date Midland Funding could not produce any specific evidence to prove I was obligated to it and decided to dismiss the case against me. 

But to my surprise it was still reporting a negative account that it could not prove in court. 

In XXXX XXXX I contacted Midland Funding asking it to follow through with the dismissal by removing unsubstantiated negative account it was reporting with all XXXX credit reporting agencies. 

Midland responded not only saying its reporting was accurate but started updating the account every month without any purpose and manipulating my credit file, dropping my credit score in the attempt to bully me into paying a debt I do not owe.

Company response to consumer: Closed with non-monetary relief