milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/24/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with Synovus Bank (IL).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: On XX/XX/XXXX i received a letter from First Progress XXXX XXXX XXXX. 

It states, " We have not received the verification documents as requested. Therefore as part of our cardholder agreement, we have had to close your credit card account. '' This part im fine with. - ( I had planned to close this account anyways before i have better offers that are unsecured cards. ) However, this part of the letter is my issue. 

" Your security deposit has been credited to your outstanding balance owed. '' You will receive a statement showing the credit for your security deposit and any outstanding balance on your credit card account. 

My card was and has been paid IN FULL since X/X/2017. I DO NOT owe this company a dime but they kept my security deposit. This is 100 % THEFT and FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: redit disputes were submitted by mail certified on XXXX XXXX 2015 and were received by XXXX XXXX 2015. I was emailed the results of my credit report on XXXX XXXX, 2015. However, when I pulled the credit report it had XXXX XXXX 2015 on it but this is not when I received it. It shows yet another date on the dispute resolution with a start date of XXXX XXXX. Since it was pretty quick to send this by email. I should have received this on the XXXX of XXXX 2015. It is much quicker than mailing it out so it should not have been a problem. Why date the credit report for XXXX days earlier and it was not sent? I am attaching the email showing that I received this on XXXX XXXX 2015 at XXXX. I am requesting to have all negative credit information I submitted to you to be permanently deleted from my file per the Fair Credit Act or the credit bureau can be charged {$1000.00} for each item I am attaching a copy of the email I received on XXXX XXXX, which was dated 2015 dated for XXXX XXXX. Also, I would like both XXXX and XXXX notified as well. This is false information. Email takes seconds to send and not days. I am also attaching the letter that I originally sent and I am scanning the certified mail information and attaching that as well.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I graduated in XXXX, have been making my payments every month without fail. Twice I have had to due to increasing interest fees and plans terminating to switch to other repayment plans that have raised my principle due to interest accruing. My loans were to be paid back through XXXX and then XXXX moved those loans without my knowing to Navient, which Navient tacked on fees to my principle. I have been making payments on a plan through Navient that saw my payments at around {$200.00} a month, my principle was going down all was fair as fair can be I suppose. This Month, XX/XX/XXXX my payments jumped up to XXXX and when I called to inquire why, I was told my existing plan had expired and that this was the new monthly payment and interest fees, that if I cant make these payments I should sign up for a the Income Driven Payment Plan which I could pay as I go but my interest would still accrue making my principle higher by almost {$3000.00}. I want to pay my loans but this is just making it harder and ultimately places me in danger of defaulting and or adding more to my principle.

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: PORTFOLIO RECOVERY ACCOUNT NUMBERs : XXXX and XXXX and XXXX FAX NUMBER : XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious PORTFOLIO RECOVERY XXXX and XXXX and XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates , LLC Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX SOC SEC # *********** DOB XXXX/XXXX CURRENT ADDRESS XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Transunion has fail to delete negative unverifiable information on my report. there are accounts with recent monthly payments but account have been closed and have been verify by the original source. there is past due balances on every account that has been closed. Collection companies have fail to provide me with proper documentation of adverse accounts. results from Transition indicates accounts have been sold but they still are been verify.

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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (UT).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX 2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 

They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 

Also it appears they are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior, as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2015 about Other financial service (Money order) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NY).
Issue: Fraud or scam

Complaint: Hello, I had processed a moneygram for a person named XXXX XXXX based off in North Carolina. The transaction was a total for {$240.00}. The agreement was that I will be required to pay half and once I receive shipment, the rest. After paying the half, XXXX seems to have gone underground with it. I can not reach him on either of his numbers. The reference number for the moneygram is XXXX. I am not expecting to recover from this sort of fraud but atleast that he gets caught and does not repeat the same thing again with someone else. 

XXXX XXXX is based off in North Carolina and his cellphone numbers are XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Vehicle loan or lease (Loan) with NORTH STATE ACCEPTANCE LLC (NC).
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint: North State Acceptance is reporting a fraudulently obtained account that I 've disputed and have sent paperwork of the fraud. Please help me resolve this matter quickly. This is a violation of my rights as a identity theft victim and I 'm tired of the damages being caused because of the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2015 about Mortgage (Conventional fixed mortgage) with WHITNEY BANK - NEW ORLEANS MAIN BRANCH (AL).
Issue: Loan modification,collection,foreclosure

Complaint: I believe I am a victim on predatory lending. My loan was transferred to Harrison Finance XXXX and I believe my interest rate and amount increased beyond what my original lender promised me.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2015 about Credit card () with JPMORGAN CHASE & CO. (IL).
Issue: Credit line increase/decrease

Complaint: On XXXX XXXX I received notification from a 3rd party app that my credit line on Chase was reduced.. I did not receive any proactive notification from CHASE regarding that this change may be forthcoming. I contacted CHASE and told them the complete facts of my situation that I recently got married and that I have never been over limit or late on any of my payments however they stated that I would not get my old limit back. Unfortunately this has created a domino effect regarding my personal life as now all credit bureaus now feel that I am maxed out on these XXXX particular cards and that my situation has turned dire. My utilization which did admittedly get higher because of a recent marriage and all of things involved such as the ceremony now will get even worse causing all of my other lenders to thing I am not living up to my obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2017 about Debt collection (Medical debt) with ONLINE Information Services, Inc. (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX XXXX has never notified me and or the medical company has never notified me of a debt owed i have no knowledge of this debt this is fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (CA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: Tjx charged {$25.00} late fee doubled the mothly fee This card is a thief likes to XXXX off consumers and charges these redicilous fees

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 04/21/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (NH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: the debt was paid to XXXX agency, but another agency is trying to collect it now.

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 FAIR COLLECTIONS & OUTSOURCING, INC. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: My husband and I terminated our lease early and incurred move-out costs and early lease termination costs as a result. I called the apartment management to get a balance and was told we would receive a bill shortly. Two weeks later we receive notice from a debt collector ( FCO ) telling us we owed {$2500.00}. I agree that we owed {$1100.00}. XXXX, however, the apartment complex did not account for a payment we made to them in the amount of {$1300.00} on XXXX XXXX, 2016 ( prior to our move-out ) and did not include this payment.

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 06/23/2017 about Vehicle loan or lease (Loan) with CREDIT ACCEPTANCE CORPORATION (CO).
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint: Two y ears ago I was contacted by a attorney 's office for the SUV that I was financing 2 years ago I sent the SUV back to the financing company because the SUV was not in working condition the financing Company Auctioned the SUV I do not know how much was the difference I owe from auctioning the SUV I did subm it three paym ents to the attorney 's office on good faith 2 years ago I stop submitting payment two years ago because I am unable to pay the {$50.00} each month I did not tell the attorney office I am currently a social security recipient I receive Social Security benefits monthly because of good faith of what I owe Do to my financial income and  XXXX  recipients I am unable to pay what I owe

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 03/22/2017 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I checked my credit on XX/XX/2017 and I had only XXXX accounts listed on my credit report. All the other information and history was gone. I called and asked what happened and the rep could n't answer why this happened. He finally did some digging and said the report has been split and was missing information. Well long story short my information was pieced back together and put back on the report. The negative items had been deleted were gone and now back on. Along with the inquiries that had been previously deleted. I want to know why this information was removed then put back on. My score went from XXXX to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2015 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: XXXX, experian and XXXX keep reporting outdated negative information. I disputed a number of things over 10 yrs ago but they continue to update as if they are new accounts and in good standing and paid and closed. Neither company is allowing me access to my file. I am requesting that you investigate this and also assist me in checking my file weekly so that I can see if I am a victim of identity theft. I would also like to send you my old credit reports from over 10 yrs ago by mail.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2017 about Payday loan, title loan, or personal loan (Payday loan) with Flurish Inc. (MO).
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint: I had borrowed  $XXXX for 30 days.  Payback was to be $XXXX. To be repaid on XX/XX/XXXX.  The funds were there!  My account was debited twice, and credited once.  Received an email attesting to this error.  XXXX said it would be corrected by the end of the business day on XX/XX/XXXX, or at the very latest, XX/XX/XXXX.    As of today, and after numerous phone calls, emails, I still do not have my money.I simply want my money back.  This whole incident has been a travesty.  I have provided proof that they deducted the monies X's 2.Hopefully you will be able to help me to recover my money.Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I was married. In XX/XX/XXXX when myself and my ex-husband both got loans for XXXX school. Due to the amount of the payments, we were approached to consolidate. The form that was issued is no longer in use due to lawsuit issues. It was written in a way that tied us both to the loan despite future situations. The loan at the time was $ XXXX. In XX/XX/XXXX My ex-husband and I were divorced. It was written in our divorce papers the split-out of our finances. I continued to make my payments and did not know my ex was not making his. There was no communication from the Financial company. I only found out because I called the FC and requested tax info and was told they were sending me to collections. This occurred a couple of times. I attempted to make my payments, but was told I could do that, but it would n't count unless I covered his payments as well. I explained our divorce decree and was told it did n't matter. In XX/XX/XXXX my ex died. I went to the FC and explained the situation. They told me I was still responsible for the loan. At that time, the loan amount, due to deferments created by my ex, the total was $ XXXX. I was responsible for $ XXXX/mo. I have been paying on this loan monthly for years. I am currently unemployed and can not make the payments. I was denied a deferment due to my ex 's deferments years before. I went online to see what my options are. I contacted the XXXX XXXX XXXX and was told that the FC should have re-evaluated the loan when I reported my ex deceased. They checked their records and verified nothing had been done. I was told to go past the CSR and request a supervisor. I contacted the FC again and was able to speak with a manager. I was told that I had to submit a death certificate and they would review it. I told the manager that I had not been given that information years before when I had called for help. I was told, XXXX for that. Since this joint loan was signed in XX/XX/XXXX, I have paid approx. $ 82k and approx. $ 1k in fees due to insufficient payments that I was not aware my ex was not paying. My ex paid approx. 9k before he died. The FC states there is still $ XXXX left on the loan to be paid. The way the FC handled this on the numerous occasions I contacted them for help, was in-excusable. The lack of concern and compassion is appalling. Because people did n't care enough to do their job, to take the time to communicate with their clients, I paid $ XXXX past the death of my ex-husband.

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (SC).
Issue: Struggling to pay mortgage

Complaint: This is an addendum to the complaint already filed on this same subject and is further explained in the attachment.     SPS has responded to the last complaint, and again has allowed  XXXX  to convince them that the force-placed insurance amounts they stole from my account in  XXXX  of  XXXX  and  XXXX  of  XXXX  were valid. My bank statement clearly shows that I had paid this insurance premium in  XXXX  of  XXXX , and  XXXX  had been properly informed of this by my insurance company. However, they still pulled over {$2300.00} from my account in  XXXX  of  XXXX  and again in  XXXX  of  XXXX  and those funds were never placed back in my account.     They also responded that the illegal and unauthorized and unjustified charges totaling {$3800.00} were allowed charges related to bankruptcy and foreclosure. These charges occurred between the dates of  XXXX  of  XXXX  through  XXXX  of  XXXX . THERE WAS NO FORECLOSURE OR BANKRUPTCY IN ANY WAY ASSOCIATED WITH ME OR THIS LOAN AS OF THOSE DATES! Even the default date on this loan was not until  XXXX  or  XXXX  of  XXXX , so I guess we 're supposed to believe that  XXXX  was psychic and went ahead and started assessing charges 4 years prior to my default to apply toward my foreclosure?     But the addendum sent to  SPS  yesterday also includes the fact that, according to the payment records provided by  XXXX  or SPS, the first payment I made to the previous servicer,  XXXX   XXXX   XXXX , was never applied to my account. That is detailed in the attached letter and supported by the attached documentation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-04-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I was late with paying my electric bill XX/XX/XXXX. I made arrangements in XX/XX/XXXX to get it paid. The electric company, XXXX XXXX, immediately came back and said I was late on {$80.00}, when a ) I was n't, and b ) it 's been paid for, yet the credit report does n't reflect that.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: I have been attempting to freeze my credit with Equifax has been nothing but a nightmare. 

I attempted to use their online system yesterday ( XX/XX/XXXX ) and received a " System Error - try again later '' message each time. I tried to use the online system again today ( XX/XX/XXXX) and received a slightly different, yet equally vexing message : " We are currently unable to service your request. Please try again later. '' I called the phone number listed on the FTC website ( XXXX ) and got a busy signal. 

I called the phone number listed as their automated service line ( XXXX ), for which credit freeze is listed as an available service. However, after pressing the required numbers on the keypad, listing my state, etc. I was told by the robotic man that a credit freeze service was not available at this time and to try again later. 

I went to their chat help at XXXX onXX/XX/XXXX and the page read " Chat unavailable - Check back weekdays XXXX ET '' ( So I was visiting during their listed hours, yet chat was not available. ) None of the credit freeze request methods listed by Equifax are actually viable. It is absolutely unacceptable and ludicrous that the agency who lost sensitive consumer data is also the agency through which it is, apparently, impossible to actually freeze one 's credit!

Company response to consumer: Closed with explanation