milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-07-2015 about Credit card () with SYNCHRONY FINANCIAL (NC).
Issue: Transaction issue

Complaint: I purchased furniture from XXXX on XXXX/XXXX/2015 at that time I was over charged for an item I hadnt purchased. This was financed by synchrony bank on a store credit card. That same day a refund was processed for {$74.00} for the overcharged item. I was told it would take 2 months for this to show up on the card statement. It has now been 5 months and Synchrony tells me they havent received anything from rooms to go regarding this and rooms to go tells me that Synchrony must be at fault because they sent that refund request to them. I have called about this XXXX times for several months with XXXX organizations pointing the finger at the other and neither assisting me.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with Ditech Financial LLC (CA).
Issue: Trouble during payment process

Complaint: In XX/XX/XXXX I filled a Chapter XXXX Bankruptcy, the Bankruptcy was closed XX/XX/XXXX. Through the Bankruptcy Court a motion was granted to avoid unsecured liens on multiple properties. 

Dietech Financial ( lien held by Greentree during bankruptcy ) is the owner or servicer of one of the avoided liens. On XX/XX/XXXX I contacted Dietech to verify the lien had been released and re-conveyed. I spoke with XXXX in the bankruptcy department and was told my request would be forwarded to local counsel for review. On XX/XX/XXXX I contacted Dietech and was told the language in the motion stated release is contingent on discharge of bankruptcy and they will not release the lien unless I was able to get the ruling revised. 

Unlike other types of bankruptcy in a Chapter XXXX there is no discharge. The plan of reorganization is confirmed by the court and the case is closed. I have had two liens that were released based on the granted motion to avoid and both of them contained the same language regarding discharge. XXXX released a junior lien on XXXX XXXX XXXX XXXX my primary residence and Real Time Resolutions released a junior lien on XXXX XXXX XXXX. 

Dietech is the only lien holder who refuses to honor the motion to avoid. I believe that Dietech is attempting to force me to go back to Court and re-open the case to amend the order. Dietech knows this will be expensive and cause damage to my credit. 

Attached are copies of the following documents : 1. Bankruptcy Order to Close 2. Motion to Avoid Liens 3. Letter from Dietech regarding lien 4. Re-conveyance from XXXX 5. Re-conveyance from 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 12/31/2017 about Credit card or prepaid card (General-purpose prepaid card) with AMERICAN EXPRESS COMPANY (CA).
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint: My tax refund of {$3200.00} was sent to my bluebird ( American express ) account on the XX/XX/XXXX. OnXX/XX/XXXX I went online to check my account as it had been a while since I had looked at it. Upon viewing my account I saw that I had a balance of XXXX. Someone had fraudulently accessed my account and drained it to nothing. I looked in my wallet and my card was missing. I 'm unsure when or where it was stolen from me. The charhes occurred a couple weeks before I called in to file the unauthorized charges. I dis n't realize that it was even missing. It is quite previlant that it was misconduct being the money had been sithing in there for months and all of a sudden all of the money is gone in 2 days time. So o theXX/XX/XXXX I filed the dispute for {$3200.00} in unauthorized charges. I am then sent a declaration of fraud form that must be turned in before the a 10 day period, which I do. As the law states if more to me is needed for the investigation that exceeds the 10 day period then a provisional credit will be given to the cusomer. TheXX/XX/XXXX was the 10th day. I called in and they said they have not heard back from the fraud department and they could only send an email as they do n't have telephones. I said to them It is a government mandated law that I recieve prprovisional credit as the 10 days is up. They said the ca n't do anything but send an email and the would receive a response within 24-48 hours. I had no choice but to say ok and comply. 2 days later still no update so in call back. They tell me they have still heard no word from the fraud department. I ask for a supervisor, I wait 1 hour and they finally come on the.line. I ask them it 's been 48 hours and I 've been very patient. How is this ok that American express does not follow the law that is set fourth. She does n't say a word. Just keeps repeating about sending another email. Which I reply we tried the email already it did n't work. I repeat again, how is this ok that you guys do not follow the law. I should have been issued provisional credit 3 days ago. They tell me yes you did get the.form turned in in time before the 10 day period and you should have got the provisional credit. So I 'm just so baffled at this point. I try to ask her what the next step wpuld be and she hangs up on me. I call back and ask for a supervisor again and they tell me. All supervisors are busy assisting customers we can have them call you back. What is a good callback number. I give them my number. I never get a call back. The next day XX/XX/XXXX. Which is toda in call yet again, I get the same exact responses, all we can do is email the fraud department again. I 'm so frustrated at this point I do n't know what to do. How can they get away with breaking U.S LAW like this.

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with V and H Portfolio (SC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I 've reached out to this company several of times in regards to inaccurate information being reported to my credit report. XXXX XXXX XXXX XXXX are reporting an item that I am not familiar with. I 've filed several disputes about this matter and explained to them that I have no idea about this item and that it is n't mine, they only update the information on my credit report and it is hurting my score. I am in the home buying process and I ca n't move forward with this item falsely reporting. I 've asked them send something in writing to prove that this debt is mine and they 've failed to do so. I am at the point now of speaking with my attorney about filing a lawsuit for reporting inaccurate information and not providing proof. I want this item removed and updated within the next 30 days otherwise I will pursue legally against them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-02-2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: The agency needs to remove incorrect bankruptcy information from my credit file. I have disputed but it still has not been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I contact company under FDCPA requesting copy of credit appl and loan or repayment agreement. They continue to fail to produce these documents yet they also refuse to remove the illegal debt form credit agency 's.

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 08/19/2015 about Mortgage (FHA mortgage) with Seterus, Inc. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I recently refinanced my mortgage through XXXX XXXX. That part was a great experience. After 3 mos, they transferred the servicing to Seterus, Inc. WHAT A NIGHTMARE IT HAS BEEN EVER SINCE!!! 
First, they unnecessarily, without my knowledge, added flood insurance to my loan causing my payment to increase. Let me emphasize, WITHOUT MY KNOWLEDGE. I only found out about the added insurance when I received my annual escrow analysis. When I contacted them, to have the insurance removed, as I pay for flood insurance through my XXXX, they made me jump through hoops, but I finally got it removed. Seterus still required me to pay the increased monthly payment for 2 months and I have not seen that money returned in any way. 
Secondly, I have never been late on a payment. As a matter of fact, I pay, through my banks automatic bill pay, on the XXXX of the month, for the payment due the subsequent month on the XXXX, just to make sure it gets to them on time. Since the Insurance fiasco, they have, for the past 2 months, sent me letters, along with phone calls that I am late! I have sent them proof of payment from my bank. In addition, I have been on the phone with them at least XXXX times regarding this situation. The last time I was told by the representative that she has not idea why they keep contacting me as she saw all my payments and told me that a " ticket '' has been open for several weeks to correct the problem and " was n't sure why it has n't been corrected ''. I am at witts end with this organization. It appears that one hand does n't know what the other is doing. I can assure you, I am not alone. Just XXXX Seterus and read about the complaints! Please I need your help!

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2017 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I 'm filing this complaint against Experian because they have repeatedly refused to delete an account on my credit report that does n't belong to me, nor have they provided any supporting documentation in any regard that proves that said account has been supposedly " verified '' by the information furnisher and thus belongs to me. They are required by Section 611 ( 5 ) ( A ) of the Fair Credit Reporting Act to delete any account that can not be verified. Federal case law also states " 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. '' If they are claiming the account was verified, how was it verified? I asked, and they gave no explanation. I asked for an Original Signed Contract, they have provided none. Please help me in resolving this matter, I 'd greatly appreciate 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 explanation
Consumer complaint received 08-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I am trying to update my credit record in preparation for a mortgage application. Both XXXX and Equifax have reported the exact collections reports from a medical facility. XXXX deleted XXXX reports within eight days and my record is now clear of negative information. Equifax seems to be stone walling my efforts. It is impossible to file an online complaint with Equifax because the site has a permanent screen display that indicates that they are undergoing updates and/or repairs! It is obviously nothing more than an effort to discourage the consumer.If an inquiry is made it is immediately reflected on reports from all CRAs. If XXXX investigates an alleged collection and deletes that collection, why is the same report not deleted from the Equifax record?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/23/2016 about Mortgage (Conventional fixed mortgage) with RoundPoint Mortgage Servicing Corporation (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: Mortgage servicing complaint against Roundpoint Mortgage Servicing Corporation. XXXX personal complaint with CFPB about Roundpoint in two years. In each incident Roundpoint has failed to cashed mailed payments on timely basis. I strongly suggest the regulating agency that is responsible for conducting audits pay a visit to Roundpoint. Roundpoint failed to return phone call " immediately '' as their voice response system stated. 5 days latter I phoned Roundpoint and waited 1/2 hr. on hold to speak with customer service rep in XXXX TX. Rep. informed me Roundpoint had not received payment and late charge was automatically charged. Rep. offered to take a courtesy ACH payment over the phone, I agreed. I shared past experience with XXXX the personal check that was not received was then cashed on the same day as the day the courtesy ACH payment was made. Rep. did look at my payment history and decided to waive late fee. Seriously this does n't pass the smell test, something potentially bigger then lack of execution between the lockbox services they have outsourced with XXXX and Roundpoints internal IT is happening. The leadership is either aware of the problem or they need to be made aware of the problem or they do n't care, could be the culture of the organization. XXXX XXXX had a saying, its ok to make a mistake because we can all learn from our mistakes but if you commit the same mistake twice your doomed to fail.

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 06-10-2015 about Debt collection (Payday loan) with CHECK INTO CASH INC. (OK).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I was contacted by this company back in XX/XX/XXXX, they told me that I have an outstanding debt that I was never aware of for a payday loan back in XX/XX/XXXX. Stated that they were going to sue me for the funds. Afraid of legal action i agreed to make payments to them for the funds. After reviewing information online i am showing that this company is not a lawyer 's office but a collection agency. I am filing a formal complaint against their practices. To this day I have asked for paperwork showing the debt, but have never been provided the information.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/26/2017 about Mortgage (VA mortgage) with The J. G. Wentworth Company (IN).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: On or about  XXXX / XXXX / 17  I started investigating an IRRL. I scanned and sent info to start the process. After a couple of days I was told by the Rep that I would have to get a  XXXX  acct to get the lowest rate. I sent a msg on  XXXX / XXXX /   17  that I was not going forward with this. I received a msg to do an  XXXX  which I did not do.   XXXX   XXXX    env elope postmarked  XXXX / XXXX / 17  with notice dated  XXXX / XXXX /   17  that our credit had been pulled came in the mail while we were out of town the week of  XXXX / XXXX / 17 .   I see two things wrong here. Telling me to get the lowest rate I had to open a  XXXX  acct and pulling my credit before my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
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 attempted to get trans union to tell me how they verified this information over and over, but they just continue to send me form letters stating the public record is verified. I have reached out to the courts and they sent me a letter telling me that they do not verify information to the credit bureaus and they do not report information to the credit bureaus. I have also put a security freeze on my account w/   XXXX   XXXX  , so trans union could have not received the information from them. I want this information investigated and removed as this is a violation of the FCRA. I have attached both letters from the BK courts and from  XXXX   XXXX , I have also attached the last letter i sent to them, which took them 7 days to investigate from the time they signed for the letter, and I have attached the latest investigation results. Again, this is a violation of the FCRA

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 01/24/2017 about Credit card () with AMERICAN EXPRESS COMPANY (CT).
Issue: APR or interest rate

Complaint: XX/XX/2016, American Express representive stated my 0 % interest would continue because my husband is a disabiled veteran. Then XX/XX/XXXX a second representative stated American Express is working on it since I sent in my husbands XXXX already that was requested. I waited a few months or so and called American Express again. The third company representative told me that the reason the interest rate was not 0 % is because I took my husbands name off the credit card. I gave him the info for my husband. I even received my husbands card. The rep reassured me 4-5 times that " all is taken care of '' and " he will process the XXXX percent retroactive to XX/XX/2016 ''. When I called again, now I am being told that my interest relate is 13 % and nothing can be done after MONTHS AND XXXX Am express reps told me the 0 % interest rate would continue. 
I keep telling the new reps that I spoke with that because I was promised 3 times by XXXX different am express representatives that the 0 % interest needs to be honored since husband is a XXXX veteran, I was told by XXXX reps, I have written the CEO 2 letters stating it is the right thing to do as a best practice business decision this one time PLUS train their customer service representatives the correct information so this never happens again to a XXXX veterans family at a financially pressing time. 
If I was not reassured this 0 % interest rate would not continue, I would have been paying down this bill instead of doing lump sums to my other bills!!!

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: this is my second time writing transunion, XXXX in regards to identity theft and credit bureau did not produce physical documents to prove these accounts are mind. I sent XXXX certified letters to each bureau as well as an identity theft affidavit number XXXX and these accounts still remain on my credit report. XXXX XXXX XXXX XXXX XXXX BANK XXXX MORTGAGE XXXX BANK ARE ALL DIRECT RESULTS OF IDENTITY THEFT. PLEASE REMOVE IMMEDIATELY

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 05/29/2017 about Debt collection (Other debt) with RentDebt Automated Collections, LLC (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Apparently for some reason, RentDebt Automated Collection. has not sent me the proof of my obligation of this alleged debt as requested and continues to report this debt as requested and continues to report this debt to the   XXXX   major reporting bureaus. This is creating major issues for me such as higher interest rates, lower credit scores, employment denials and application rejects because of this outstanding balance that shows as being owed.
I disputed this account back on  XX/XX/XXXX on my  XXXX ,  XXXX  and  XXXX  credit reports to no avail.   XXXX   XXXX   XXXX  . continues to ignore my requests and they continue to ignore my consumer rights.
I believe this account does not belong to me. I requested the documents from their files used to verify this account. Under the Fair Credit Reporting Act, I have the right to demand all of the documents they have recorded and retained in their files at the time of the request concerning the account they are reporting in my credit reports. All unverified accounts must be deleted.
Who verified this account? What documents did they use to verify? Where are the documents used to verify? I have yet to receive anything within the allotted timeframe which is a violation of the FCRA..
In the US Law Encyclopedia, A  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  . Sections 90-93 ; it says that one can not subrogate onto a contract that they were not originally on, did not have any interest to protect, and then claim successor in rights and interests. Thus, when an original creditor sells the debt, they give up their rights to collect on the debt, BUT they do not give those same rights to the collection agency. The collection agency can not act as a substitute for the original creditor.
The company is in violation for continuing to verify this account with the credit bureaus with providing the evidence as requested. It is my contention that RentDebt Automated Collections. knows that they can not tie me to this account, otherwise they would have done so when I made the initial request.   XXXX   XXXX   XXXX   is blatantly disregarding the law.

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2015 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: This complaint is against Experian and XXXX and XXXX XXXX. XXXX XXXX reported to XXXX, XXXX and Experian " to delete the credit card account noted above from your credit file. " In the process XXXX XXXX associated my SS # with my mother 's name and vice versa. A complaint is currently on file with Consumer Finance # XXXX regarding above-mentioned. As of today XXXX/XXXX/2015 under personal information for myself, XXXX has listed " formerly known as mother 's name ''. Experian has mother 's name associated with my credit file. We are now in a much bigger situation, I believe with Privacy Act Laws. I have been put on hold for financing for a Mortgage Loan. Because of this situation I have also lost the opportunity to access Federal Funds to help with closing costs. This all starts with XXXX XXXX and the way information was reported to the Credit Bureaus but the Credit Bureaus will not accept documentation from me or my mother to correct this error and XXXX XXXX seems to be all over the place. I feel like no one is doing anything. These are errors that have created an identity issue. If I dispute my credit file I risk the dangers of scrutiny by Underwriters and if I do n't dispute who helps? This is a major issue that needs to be rectified immediately not in XXXX days.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief