milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/23/2015 about Credit card () with SYNCHRONY FINANCIAL (NY).
Issue: Payoff process

Complaint: I bought an air condition from XXXX XXXX 2 years ago by their credit card controlledby synchrony bank finance and then the bank added the interest of {$830.00} for abalance of {$490.00} without any alerts or warnings also I been XXXX that timeI have an approve for that, so I tried to call the bank too many times to pay the balance and waive the interest but they refuse and take my phone number to call me backbut never happen

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/13/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Credit reporting agency will not remove paid tax lien from credit report even though documentation states that it is " paid, satisfied, and cancelled from the record. ''

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 06/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, 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: In  XXXX  or   XXXX  , I contested an item on my credit report that was reported as collection by  XXXX   XXXX   XXXX   XXXX . It is a  XXXX  bill that I have no legal responsibility for and know nothing about. I did go there for cleaning and checkup for the brief period of time I lived there in a previous year. My bill was always paid in full by my insurance company. The reply that I got from Equifax, was : '' This account is no longer being reported ''. This is not an acceptable response. I do not owe this amount nor do I have any legal responsibility to pay this bill. This account should not be on my credit report and should be removed or show me proof that it is in my name and that I signed anything for responsibility of another persons account. Just saying : " It 's yours '' tells me that someone did not do their job in investigating the validity of the debt. I am so tired of fighting at every turn, even debts that were discharged from bankruptcy being reported and updated as collections in the past.     This has been contested 3 times in the past year and the last time did not even get a response and the 30 days is up. I ca n't even log into Equifax online or by phone. They have told me my information, that I have been using for 40 years, is incorrect and access is not available to me. I tried to have  XXXX  removed, faxed the requested proof that I am not a  XXXX  and have never been a  XXXX  and they send me a letter telling me I need to submit the same documents that I had previously sent and faxed.     I am requesting that this collection be removed from my report. A reply of it is no longer being reported is not proof of debt liability, and my last request was not answered within the 30 days.     Thank you for your assistance with this matter.      XXXX   XXXX   XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/15/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Lastly, I would like to dispute ( AGIAN ) XXXX XXXX XXXX XXXX XXXX for the matter of {$420.00}, Original Creditor XXXX XXXX Bank XXXX, XXXX. This account was removed from my credit report back in XXXX by XXXX XXXX and yet it is STILL updated as late as XXXX to my credit report. Please correctly update you credit files and delete this account, finally, from my credit report. It was deleted and can not be reporting to my name any longer. The debt was settled for deletion. I would like this removed immediately, because I have disputed this account 2 times since XXXX and NOTHING has been done to correctly remove it from my name yet.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-09-2016 about Debt collection (Medical) with GOLD KEY CREDIT, INC. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Goldkey credit placed a collection on my record. They know full well it is not mine. I believe it may be my sons. My son is XXXX XXXX XXXX. I am not responsible for his debts. The collection company is trying to extort money from me or ruin my credit. How did they even get my ss number? They keep calling me on my cell phone. How can they ruin my credit like this?

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 09/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with MERCEDES BENZ FINANCIAL SERVICES (CA).
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: XXXX is reporting an account with Mercedes Benz Financial as a chargeoff/current debt when my debt balance is now XXXX with XXXX owed. The balance is approximately {$6000.00}. XXXX is refusing to manually check the records of Mercedes Benz to confirm that the debt is at a XXXX balance. Mercedes Benz is lying about me having a debt owed with them and their internal records needs to be checked.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2016 about Debt collection (Mortgage) with JAMES B. NUTTER & COMPANY (HI).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Debt collector falsely represent that they are attorneys and continues to harass and take illegal actions to force payment of an alleged debt. 
Debt collector is a replacement of a previous debt collector who withdrew from an illegal court action, after being demanded to validate the alleged debt in which they could not. 
Present debt collector has not validated or verified the debt. I have repeatedly demanded validation and verification to no avail.. 
Debt collector has been demanded to cease and desist but continues to use private information, nonjudicial action to dispossess consumer of personal property, communicate harassing letters threatening to evict and take property, and mail communication with envelopes printed with law firms return address. 
Debt collectors has been demanded and noticed of a lawsuit to compensate consumer for violation of FDCPA, till today I have not receive a response or any communication in regards to matter.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Debt collection (Other debt) with Convergent Resources, Inc. (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Convergent Outsourcing IncXXXX has been attempting to collect a debt for XXXX that my son incurred several years ago. They have filed nonpayment reports with the credit agencies in the past which affected my credit score ( see CFPB XXXX number : XXXX and CFPB XXXX number : XXXX ). Both cases were resolved in my favor when it became evident they had the wrong person. They are trying to collect this debt again under the Convergent Account # XXXX and I am concerned they will use the same tactic with the credit reporting agencies. Please put a stop to these insidious tactics once and for all. My wife and I are elderly and in poor health, we do n't need to deal with an issue like this when our credit score is stellar and this company is purposely trying to get the money from us instead of our deadbeat son.

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 05/26/2016 about Consumer Loan (Installment loan) with WORLD ACCEPTANCE CORPORATION (MO).
Issue: Taking out the loan or lease

Complaint: Reporting on my credit report when ex wife took over the debt in divorce decree. Needs removed from my credit report as it is not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (NY).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: Hello, After talking about my issue with a group of friends they referred me to this site as a possible way to get clarification and a total answer to a credit card API Inquiry. 

In XXXX of 2017 I contacted Chase about my Chase Sapphire Preferred Credit Card and its APR ( Annual Percentage Rate ). 

I wanted to understand the criteria and process to have my APR evaluated and reduced. I make $ XXXX a year, have never missed a payment, and have other credit open. 
My APR rate with Chase is 23.99 % and on my other credit card 8.90 %. The disparity is large and i just wanted to know how it could be reviewed. 

I first attempted to call the Customer Service and understand the process. The first representative I talked to about general information told me there was nothing they could do to help me apply for a reduction. I asked for them to transfer me to a department that could help me and the only department they could come up with was the department that deals with credit inquires and new account openings. When talking to this group they tole me that they did not deal with APR review or reduction but would put me on hold to contact another department. However when they came back on the line they told me that they talked to the department but had not information that could be disclosed to customers through customer service and they department had not customer service representative. They did tell me that APR rates are reviewed once a year and my account was not reviewed this year. After, They told me the best course of action was to open a ticket on the Chase Secure Messaging. 

I opened the same conversation there and received an email in the secure message center the next day. They the email explained the only factor they could confirm had and effect into my eligibility for an APR reduction was the length of my credit with Chase " among other factors ''. 

Additionally, to add insult to injury, the Chase message have been removed from the Secure Message center without notification. There is a warning that say " We 'll delete any messages in red within 10 days. If you 'd like to save a message, please open and print, or save it to your computer. '' but does not inform you of when messages are changed to " Red '' status. 

best, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/25/2016 about Debt collection (I do not know) with VIRTUOSO SOURCING GROUP, LLC. (WI).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Debt reported to collections, no attempt to collect a debt. Not enough information to verify where the debt is from and how to repay it.

Company response to consumer: Closed
Consumer complaint received 04/26/2016 about Student loan (Federal student loan servicing) with Delta Management Associates, Inc. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I had worked with XXXX and XXXX XXXX from Delta Management Associates who were handling collections on behalf of American Student Assistance regarding defaulted Federal Stafford Loans. I had provided a payment of {$7800.00} to be applied to loan XXXX which would be paid off in full. The XXXX remaining loans of XXXX, XXXX, XXXX would be entered into rehabilitation with a monthly payment of {$230.00}. The loan ending XXXX had an interest rate of 6.8 % while the other XXXX had interest rates of 2.32 %. Delta Management Associates misappropriated my payment across all XXXX loans instead of applying payment as agreed upon and paying XXXX completely off. I view this misappropriation as a deliberate action of the loan servicing company, Delta Management Associates, and believe that their practices should not be tolerated by the US Government or the CFPB and that their license to service Student Loans should be revoked.

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 12/17/2016 about Credit reporting () with EQUIFAX, INC. (ND).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have made Equifax aware that my Identity was Stolen. I have also gave them my Drivers license and Social so they could verify my information since i put on a fraud alert. Over a year ago in 2015 I had disputed student loans that are on my account. The Creditors verified that they had improperly put student loans on my account and agreed to remove them since the account did n't belong to me. The Creditor sold the account to another party after they made Equifax aware that they did in fact damaged my credit with reporting improper information. This creditor still however was allowed to have this account reported on my credit report. It 's really affecting my life. Being a mother of XXXX the last thing I want is someone else to be able to damage my credit. I 've been XXXX because of this. This creditor has XXXX different accounts on my credit report. Equifax has allowed this company to fraudulently keep reporting incorrect information on my credit report. It 's damaging me. They are aware that I am homeless and trying to purchase a home for my kids. I ca n't do that with someone else robbing my family of that. I need Equifax to take this matter serious. How can they know that XXXX student loan was fraud which the company told them that and allow them to keep reporting incorrect information on my credit report. All of any information that was related to that account should 've been removed. By law they ca n't legally keep reporting fraudulent information on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/29/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: For over six months I have been disputing a payment made to Nationstar mortgage co. from my XXXX XXXX XXXX XXXX bank account on XXXX XXXX, 2015. This dispute has been going on since XXXX and I 'm still trying to resolve this matter. I 've sent Nationstar multiple faxes to document the payment made on XXXX XXXX, but nothing I 've sent resolves this matter to my satisfaction. I have talked to multiple customer service agents, but no one has managed to fix this for me to date. I 've faxed Nationstar my bank account statements from XXXX & XXXX and, according to their records, a payment of {$1900.00} was transferred by my bank to Nationstar on XXXX XXXX which has yet to be acknowledged by Nationstar ( see attached pdf document ). I have furthermore e-mailed all the documents for Nationstar 's files so there is no dispute that I 've provided the company everything that they requested. 

Since XXXX my mortgage has become delinquent because they have not acknowledged my payment, thus I 've had to make additional payments to catch the account up. I 've received multiple assurances from the customer service department that this matter will be resolved, but no one has resolved it to date and I 'm out {$1900.00} plus late fees now ( over {$1500.00} by Nationstar 's accounting ). 

I am extremely disappointed in how Nationstar has handled this matter and I plan to follow-up with legal counsel to determine my options.

Company response to consumer: Closed
Consumer complaint received 08/15/2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Inaccurate information on credit report. 
Experian credit report prepared for XXXX XXXX XXXX Your report number is XXXX Report date : XXXX XXXX, 2016 XXXX XXXX Address : XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Account Number : 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 09/15/2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Account opening, closing, or management

Complaint: On XXXX/XXXX/2016, a local merchant posted a refund to my credit card account with Bank of America in the amount of {$1500.00}. As of XXXX/XXXX/2016, the credit has not been posted to my account and Bank of America refuses to tell me why. On XXXX/XXXX/2016, XXXX posted a refund to the same account for merchandise I returned. As of XXXX/XXXX/2016, the credit has not been posted to my account and Bank of America refuses to discuss it. 
It is clear that Bank of America is delaying the posting of credits to my account in order to artificially inflate my balance and charge me excessive interest.

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 10/13/2017 about Mortgage (Conventional home mortgage) with CITIBANK, N.A. (NY).
Issue: Struggling to pay mortgage

Complaint: In XXXX I took out a mortgage loan with XXXX XXXX Mortgage XXXX for the amount of {$330000.00}. On XXXX/XXXX/XXXX there was an assignment of mortgage filed with the XXXX XXXX XXXX 's office. The assignment of mortgage assigned the mortgage from XXXX XXXX Mortgage XXXX to XXXX Bank XXXX, XXXX XXXX XXXX XXXX for XXXX XXXX Mortgage XXXX XXXX, XXXX XXXX. On XXXX XXXX, XXXX XXXX Bank XXXX, XXXX XXXX XXXX XXXX for XXXX XXXX Mortgage XXXX XXXX, XXXX XXXX started a foreclosure action against me for the amount of {$340000.00}, which is {$4900.00} more from my original mortgage. How does that make sense, when I had paid about {$100000.00}. Also, even though XXXX Bank XXXX, XXXX XXXX XXXX XXXX for XXXX XXXX Mortgage Investor XXXX, XXXX XXXX named as the plaintiff in my case why am I not receiving my mortgage statements from them but rather from Citi Mortgage. I have tried fixing the problem, and the response I get from the bank is that the investor does n't participate in loan modifications. How am I going to save my home if they are not even giving me a chance. It seems like they do n't care if I pay them back or not, they just want me out of my home. I am victim of the housing crisis and I feel that there is a fraudulent element to what is happening to my mortgage loan.

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 02-10-2017 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (NE).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: I have a collection that was filed after my bankruptcy. It was filed by Central Financial Control who also does business as Syndicated office systems. I disputed ( XXXX ) and had the collection removed that was filed under central financial control and they re-opened it as Syndicated office systems ( XXXX ). Then they opened again with XXXX as Central Financial Control. I have contacted them and sent them copies of my Bankruptcy and all information and they refuse to remove it. It is sitting as an open collection. THere are no account numbers or dollar amounts on either one. They say that it was last reported XX/XX/2015, yet the collection was n't opened until XXXX, this date has also changed as the original open date was XX/XX/2015

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Application, originator, mortgage broker

Complaint: I 've had two refinances with Chase Bank. They frequently call ( people not known to me from the bank in different departments ) calling to verify information and first ask for social security information. This is despite their own websites stating : " Do n't give out financial information such as checking account and credit card numbers -- and especially your Social Security number -- on the phone unless you made the call and you know the person or organization you 're dealing with. Do n't give that information to any stranger, even someone claiming to be from Chase. " https : //www.chase.com/digital/resources/privacy-security/security/how-you-can-protect. 

This process has delayed closing of loan applications and causing additional payments in interest and frustrating overall. 

This process is systemic.

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2015 about Debt collection (Credit card) with STERLING JEWELERS, INC. (VA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Called my ex-husband 's number who I am estranged from about my debt. I have a restraining order and they are jeopardizing my life. Jared Galleria/Sterling

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2016 about Credit reporting () with EQUIFAX, INC. (NM).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax is ignoring my numerous requests to investigate and remove accounts from my credit report that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Closing/Cancelling account

Complaint: Irecieved a letter from Capital one, lord and Taylor credit card canceling my credit card,  XXXX  reason given was that Iutilized the services of an attorney for the handling of my account,,, FROM THE COLLECTIONDS DEPT???? i have the letter in my possession and can sed you a copy..i hired an attoney because I believe i had been treated unfairly by the card because they had put damaging information on my credit report which lowered m y credit score  ... they stopped sendind me paper statements and only did online staements without y permission and did not notify me that any payment was due,,,, I had had this card with Lord and Taylor for 40 years and never had any issues until the card was taken over by  Capital one  ... .and was trying to resolve the issues, ,I was shocked that capital one could do this because an attorney was trying to mediate for me as was getting no where trying to deal with the card myself, ,Idon`t think this is a valid reason for canceling a card,,, by the way the crdit card is paid in full,,, thank you for your help

Company response to consumer: Closed with explanation