milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/27/2017 about Credit card () with SYNCHRONY FINANCIAL (TX).
Issue: Closing/Cancelling account

Complaint: I had a Rooms To Go Synchrony Bank credit card that I obtained around 5-6 years ago. I have made two big purchases and paid off the items per terms. I went in yesterday to make another large purchase. The sales-rep asked for my license to ensure I still had an account. I said oh, I am certain I do. I log in to the website to pay a different card all the time and I see my Rooms To Go Synchrony Bank credit card still. It says I have an available limit of XXXX. She said, oh, we still need to check because they close them out all the time but do n't notify you or update their system. I thought to myself ... no way! That would be ridiculous. Well, sure enough. That 's what happened. They closed out the card without notifying me. I called to see if what the rep said was correct and Synchrony Bank verified that the card had been closed last year in XXXX. I was not notified and she said this was their normal practice. If the card is not used for a period of time, they simply close it out without any warning. I was very upset because this can have an impact on my credit score. It was one of my long standing credit limits and I did nothing for it to be closed. No one asked me if they could close it, notified me that they were or had my authorization to do so. I asked the rep to re-open the card. She stated she could not but I could simply reapply. Well, re-qualifying is n't a problem but I do not like the fact they will have to re-pull my credit ( causing a new inquiry ) and it will appear as a new credit line ( effecting my credit score ). I am very unhappy with the way this was handled. I chose their location to make my purchase because I already have a card with them -- and this is how they repay me? Very dissatisfied. I want my old account re-opened so I can make this purchase. If they can not, I will have to spend XXXX elsewhere.

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 04-10-2017 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I submitted a dispute with Experian on or around XX/XX/2017. An item that i dispute, as the account is not mine, came back as updated. I contacted Experian twice on XX/XX/2017 and asked how the items were verified. I was advised by the 1st customer service rep XXXX that Experian is not required to provide any verification to me. I asked for a supervisor and was informed that a supervisor was not available. I gave XXXX my number and he advised that a supervisor would call me within 24-72 hours. I feel that this is unacceptable timeframe for a return call. I called back 3 hours later and spoke to 2nd customer service rep, XXXX. XXXX stated that if the account came back as verified then I would need to reach out to the creditor as Experian is merely the middle man. She stated that they only report the dispute to the creditor and that they are not responsible for any verification of alleged debts.She said that the disputes were electronically submitted to the creditor and that they received an electronic response stating that the account belongs to me.I was told that they do not have any documents, only electronic files. I requested proof of verification. I was informed that the only information that they could provide to me was that the account was verified and referred me to the creditor. 
I would like to know where are the documents that were used to verify these accounts? What is the name of the person in the company who verified and authenticated these accounts? What documents did they use to verify them? Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a " Reinvestigation '' that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ).

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 11/28/2016 about Debt collection (Medical) with Express Recovery Services, Inc. (UT).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: To be honest the closest description would be lack of information because I have not received any notification in 4 years that I have an outstanding balance. I did not even know this debt existed up until about about 4 months ago. It almost seems like they 're letting the interest build up purposefully. I can not verify from either parties if this debt is even mine because I have not heard a peep from either of them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 03/29/2017 about Debt collection (Credit card) with Convergys (GA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I have asked numerous times not to be contacted by Encore and that they only communicate with me via US Mail. The company is contacting me several times a day via a Robo dialer. When I answer the phone they often hang up on you. The calls are originating from a call center in XXXX. I keep being told they will no longer contact me on my company cell phone but they still do. The debt collector often states they are on a recorded line but will not identify themselves until they try and verify all the personal information. I told them they were not authorized to contact this number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2016 about Debt collection (Medical) with Receivable Management Group, Inc. (GA) (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a letter from Receivable Management Group , Inc. saying I owed {$2400.00} from a XXXX, hospital stay etc.XX/XX/XXXX thru XXXX/XXXX/XXXX. I did have the XXXX etc. however I was and still am on my husbands Ins, XXXX XXXX, and was told by the ins co, that not only do I not owe anything that during those dates it was a global period. I also talked to the finance department at XXXX XXXX XXXX and was told that I owe nothing and that I have a XXXX balance as of XXXX/XXXX/XXXX. They also told me that they do not contract out with Receivable Management Group , Inc. 
When I talked to a XXXX XXXX who claimed to be a supervisor he said that I was lying and that BMI did contract with them. I asked him for a proof of debt and the break down of the bill that 's when he hung up on me. The person that I spoke to at XXXX XXXX. offered to call XXXX XXXX and have a 3 way conference call with my permission, he refused and preceded to hung up on her. I have been working diligently on improving my credit. If I felt that I owed XXXX I would definitely pay this bill. The last amount I owed XXXX was {$740.00} which I paid the entire amount in full. I not sure where to go from here. I just want to remedy this situation as soon as possible. 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 11-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
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 sent three letters to Experian, XXXX, and XXXX ( one in XX/XX/XXXX and over 30 days later in XX/XX/XXXX ) asking that they  investigate fraudulent accounts on my credit report ... .According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts that they post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account ... .I demanded Experian, XXXX , and XXXX to show me Verifiable proof ( an original Consumer contract with my signature on it ). Under the FCRA, unverified accounts must be removed ... Experian, XXXX, and XXXX acts like they do n't understand my request and then they act like it was investigated and proved. But they have not shown me proof nor have they explained to me their investigation process. Additionally, they have not deleted the fraudulent accounts that I have disputed ... ..Please help. They continue to report a debt that has not been verified nor validated ... ..It is unacceptable that they can treat American consumers this way ... They continue to break the law..

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 11-06-2015 about Consumer Loan (Vehicle loan) with New Century Auto Sales, Inc. (MI).
Issue: Managing the loan or lease

Complaint: Well i am a XXXX year old woman who is on her own and needed to get back and forth to work. I went to right way automotive credit because i had XXXX credit and could not get accepted anywhere else. At first everything was great, until i realized that i was scammed and got a car only work XXXX and was charged XXXX. I have nothing but issues since i drove off the lot. within the first two weeks i had to get my fuel filter replaced because it was super rusted and it had a hole in it. i have gotten the car in XX/XX/XXXX it is now XX/XX/XXXX, i have had the car for a total of 4 months and a rod in my engine blew. now i am XXXX in the hole for a car my insurnace and XXXX quoted was only worth XXXX in Excellent condition. i have no idea what to do. i was taken advantage of totally. no one should finance an XX/XX/XXXX XXXX with XXXX miles on it for XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/21/2017 about Bank account or service (Checking account) with CITIBANK, N.A. (TX).
Issue: Account opening, closing, or management

Complaint: Citibank had a promotion requesting people open a checking account and deposit {$15000.00}, maintain it for three months, after which customers would receive an {$400.00} account bonus. I called them and opened the account, funded the account on XX/XX/XXXX and maintained the required balance. The bonus should have been posted on XX/XX/XXXX but Citibank has not deposited the bonus as promised.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2017 about Debt collection (Medical) with Receivables Management Corporation of America (AR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: hello, XXXX have a debt collection of {$5.00} & {$11.00} on my credit report.which was in my bankruptcy discharge.i need this took off my credit report.you may need to contact .XXXX at XXXX. about this matter.R.M.C. is the collection agent who is handing the case.there p. # XXXX orXXXX.ask for XXXX XXXX for XXXX.there p # 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 03-04-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with First Credit Services Inc. (OK).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: Have been called twice daily for a week after my wife and I both have told them not to call us in an attempt to collect. Last call at XXXX XXXX/XXXX/06. Started on caller ID as First Credit Services, now they are " unavailable '' on caller ID. number used are 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 07/30/2015 about Credit card () with PAYPAL HOLDINGS INC. (TX).
Issue: Late fee

Complaint: I have a PayPal Credit Card. It has always been set up on automatic payments. This month, I just happened to pull up my statement and noticed it was past due and I was being charged a {$25.00} late fee. I contacted PayPal Credit customer service and was advised that automatic payments are only set up for a year and will drop after that time period. They advised that my auto payments must then be set up again. At no time was I ever notified that my credit card auto payment had been discontinued. Nor was this plainly stated at the time that I set it up on auto-pay. I feel very strongly that this is a deceptive practice and an attempt to get more money out of consumers. This is just wrong on so many levels and I wish to file an official complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/25/2015 about Mortgage (Other mortgage) with FCI Lender Services Inc. (KY).
Issue: Loan modification,collection,foreclosure

Complaint: Right as my chapter XXXX was ready to be dismissed, they filed a claim that I had not made a payment in over a year. They asked for Release from Stay and it was granted as my attorney did not file a motion to dismiss their motion. Their attorney stated to the Trustee that the lender would accept payments from us as long as we continued to make them. Of course, now the loan has transferred to a different lender who will not accept payments claiming we are too far behind. I have given proof of all my payments to my attorney who is supposedly working all of this out, but in the meantime, I have sent payment after payment and the mortgage company keeps sending them back. They did accept the first payment I sent to them in XXXX but said it was a mistake. XXXX mortgage companies even sent me address information to send payments to them and when I called and spoke to their customer service dept. in XXXX, they even offered to take payments over the phone. Now, they are stating that they never should have accepted payments or even offered to do so. They are playing off of each other and each company is contradicting what the other is saying. I have gotten XXXX different statements with XXXX different " past due '' balances and " due dates '', all of which are bogus. I have written a qualified written request asking for a complete account history beginning with the original creditor and they have not provided it. They did send me a history from the most recent company but only after me requesting it 3 times and it took them over 2 months to give me that. My account has been transferred 7 times since it originated in 2003 and it has been through numerous attorneys. There are too many account discrepancies to list on here, but they are claiming that I am too behind to catch up. Even my attorney told me that he sees this kind of stuff all the time and the mortgage companies strong arm the homeowners to fall behind even further by not accepting payments causing then to eventually be really delinquent. 
I have all the letter from the attorney and all of the returned checks. I am tired of the games they are playing. I also find it appalling that their attorney would lie to the Court stating in their written Motion that the lender would accept payments from me and then to find out that the lender had no intention to do so. 

I would personally like to see them fined for deceptive business practices and would love to eventually form a class to file suit against them and seek both civil and punitive damages.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2017 about Credit card () with JPMORGAN CHASE & CO. (IL).
Issue: Late fee

Complaint: My credit card bill is due every month on the  XXXX  day. I pay my bill every month on the due date. According to Chase if I pay my bill on the  XXXX  but it is after  XXXX   Eastern Standard Time i t is considered late and they charge me interest and a late fee. I have to call every month to try to get those charges reversed. I feel I am getting punished for paying my bill on time.

Company response to consumer: Closed with explanation
Consumer complaint received 12/24/2016 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (NY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: No one contacted me from collection agency with proof of debt

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 09-07-2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (IL).
Issue: Managing the loan or lease

Complaint: The company SANTANDER CONSUMER USA is reporting that I have missed a payment. I have never missed a payment. The vehicle was traded in. Santander received and posted the payment late.. Under the FCRA, they are required to conduct an investigation on this account if I request it. I submitted in writting requesting for them to conduct an investigation. Per the FCRA, they had 30 days to conduct this investigation and respond to my request. Santander did not respond within this time periord, per the FCRA, you must remove this negative information.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2016 about Debt collection (Medical) with Capio Partners, LLC (CA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: After submitting a dispute and information request to this company, they did not send me a reply or information regarding my debt. Instead, I believe they forwarded my information to another debt collections agency who reported the false debt to the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XXXX Credit Bureau showed gross negligence in security of my and 145 million Americans as shown by a security breach in XX/XX/XXXX. XXXX took six weeks to announce a security breach had taken place, in which time three XXXX executives, XXXX XXXX, XXXX XXXX, and XXXX XXXX sold nearly XXXX XXXX dollars in stock of the company. After XXXX announced in XX/XX/XXXX that 145 million Americans had their dates of birth, social security numbers, names, driver 's licenses, and addresses compromised, no solution was provided for those affected. This information is highly sensitive and the leaking of said information is devastating. This leak could also have been prevented, as XXXX was notified in a report by Homeland Security there was a major flaw in the security of their website. This was a devastating, preventable disaster and XXXX is entirely responsible for the breach of XX/XX/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 12/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
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 Requested the from the credit bureau transunion on three different occasions, by certified mail and the first time through the online dispute process about incorrect information on my credit file # XXXX and Acct # XXXX. 

The first time i contacted them was on XXXX XXXX XXXX via online dispute i informed them about inaccuracies listed for a public record of a bankruptcy that is being reported on my credit file.I also let them know that I was requesting to verify the method of verification used by your agency to list this information on my credit file. According to the bankruptcy court they do not verify bankruptcies with the credit Bureaus.i requested they provide me with the following : 1. The courthouse name ; 2. The name of the person who verified the bankruptcy ; 3. The court address ; 4. The court telephone number ; and 5. The documentation used to verify the dispute. 

I Also let them know i am aware that According to the FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) regarding the procedures of reinvestigation states if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available And Furthermore, a third-party furnisher of information, such as XXXX XXXX XXXX  or an alleged creditor does not meet the standards set by the FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) ONLY the Bankruptcy Court should be the furnisher of information, not a third party source. According to the bankruptcy court they do not verify bankruptcies with the credit bureaus. demand direct, not third-party, proof according to FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) or delete the bankruptcy from my record according to FCRA, Section 609 a ( 2 ) In Response to this they never supplied me with any of the documentation i requested, i mailed two certified mailings to them in response the all 3 of the same responses i was given by them, one was mailed on XXXX/XXXX/XXXX and the third correspondence was mailed on XXXX/XXXX/XXXX, they have only said the information was varied as accurate as an update without providing any proof of this from the bankruptcy court not a third party. they have failed 3 times to provide any of the information i requested so i requested that they Delete this from my credit history but with no success or proper response.

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2017 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (NC).
Issue: Trouble during payment process

Complaint: Carrington Mortgage Services refuses to return our escrow funds to us after closing on our home where they serviced the mortgage on XXXX XXXX, 2017. We already paid the county our portion of the annual taxes at closing, and Carrington Mortgage Services says they are " choosing not to return '' our escrow funds to us.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2016 about Other financial service (Credit repair) with Park View Credit (NH).
Issue: Excessive fees

Complaint: I was charged {$170.00} for no reason. Five months ago I paid over {$500.00} for their services which yielded nothing for my, or my husband 's, credit scores. I was given no warning of the charges and now I ca n't make a my car payment. I 've left a voicemail and have n't received any word back.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation