milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/30/2015 about Credit card () with JPMORGAN CHASE & CO. (FL).
Issue: Rewards

Complaint: To begin with I received the following mailer in XXXX 2015 - '' Exclusively for Marriott Rewards Members - Elite XXXX Program offering XXXX bonus points with the Chase Visa Credit Card when you spend {$2000.00} in the first 3 months '' - Around the middle of XXXX I called the toll free number XXXX and requested for the Marriott Visa Card. 
The Lady accepted my request and applied for the Chase Visa Credit Card from Marriott Rewards ( subject to approval ) and said that I should receive the card in 1-2 weeks. I clearly discussed the XXXX bonus point option offered by this program and expressed the fact that the only reason I am applying for this Card is because I will spend the {$2000.00} within the first 3 months/billing cycle and want to avail the XXXX elite points on my Marriott Rewards card. 
I received the new Marriot Visa Card from Chase around XXXX XXXX by first class mail. I called to activate the Card on XXXX XXXX and started spending on the card. From XXXX XXXX through XXXX XXXX I made purchases in the amounts of over {$6000.00} - BUT TO MY SURPRISE I was only given XXXX elite points in my Marriott Rewards Account and NOT the XXXX points as promised. 
I first called Marriott Rewards and the Chase XXXX customer service around XX/XX/XXXX and complained the fact that I only see XXXX points instead of XXXX and they said to wait for a few more weeks. On XXXX XXXX I again double checked and called back to talk to the manager XXXX who said that he is going to send an email right away requesting for the additional XXXX points. Nothing happened after that - So once again I called both the Chase Card Customer service and requested for a manager. The super visor XXXX came on the call and said that I had signed up for the {$1000.00} / XXXX Bonus Points program and not the XXXX program - which is NOT TRUE because the number I called ( given in the mailer above was dedicated for the XXXX program ). So I called the same number XXXX again and put both the parties in Speaker and clarified the fact that this number which I had called in XX/XX/XXXX to sign up for this Marriott Card is dedicated for the XXXX program and so I did not do anything wrong on my part. 
I have been with Marriott Rewards as a Platinum member for over 7 years as I used to travel every week. Last XXXX years due to the nature of my contract I was working remotely 95 % of the time hence my Marriott Status dropped down and the only reason why I signed up for this program is to hike the points/status. 
I find this simply a utter mis-communication between XXXX and Chase and I should not be the one suffering for this. 
My Rewards number is XXXX and my contact number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2015 about Debt collection (Medical) with HOVG, LLC (FL).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Representative from credit agency utilizing phone number # XXXX was very rude and harassed me on XXXX XXXX at around XXXX while I was at work. 
Incident : I answered the phone call while at work, initially the person did not identify themselves, when I asked who this was he advised " he was attempting to collect a debt ''. I listened to him and advised I would be making payment however could not do so at this time. Advised by the end of the month the debt would be paid. He proceeded to state he needed a " debit card or check now '' advised I was at work and unable to provide that information, he then stated " you do n't have a debit card on you?? you need to walk to your car and get to secure this payment ''. After again advising I was at work and unable to do so he said when can I call you back today. I advised at around XXXX, he then stated " so you have to promise to answer your phone at that time '' If you do not legal action may occur. I then stated if I see the phone ring I will answer the call, he stated " no, you need to promise to answer the phone ''. I remarked I 'm unable to make that promise. At which point rep proceeded to get nastier stating why ca n't I pay this debt. I hung up when he would not stop with the harassment. Since then the number has called twice and I have not answered, no message was left. 

I do not feel this type of behavior is needed nor should I have to endure it no matter the debt owed.

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2017 about Debt collection (I do not know) with ERC (KY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I looked at my credit report and saw that someone had opened up a cable bill in my name with XXXX. I called XXXX and they told me that I have to prove that it is n't me. They have n't sent me anything that all. I happened to call them and they told me that someone in XXXX, Texas opened an account with my name. I gave them my last four and the operator said it was n't me but I need to prove it. The individual and I share the same first and last name. I do n't know her middle initial. Mine is 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 05/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I submitted a copy of the letter to equifax stating the inquiries made to my credit report on  XXXX   XXXX ,    2017  were submitted in error. Please remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (PA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have student loans through Fedloan Servicing. My account was in forbearance for a while and had to havr been renewed in  XXXX   2016. Co me  XXXX     2016, I was  checking my credit report and I had seen that  XXXX  accounts had been reported past due 90 days as of  XXXX   2016. I conta cted Fedloan Servicing immediately and asked them why it was showing  XXXX  accounts, 90 days past due. They told me my forebearance had needed to be renewed in  XXXX  and that it had not been. I asked them why they didnt contact me via mail or phone about this and they simply stated we do not mail letter, we have  XXXX  numbers automatically call you with an automated message. Since I do not typically answer phone numbers I do not know, I never recieved a call or a letter explaining it was late. Upon calling, they renewed my forbearance, effective  XXXX     2016. If  you do not know, you only have a limited time of forbearance and every month matters. So  I figu re ok, you 'll make the forbearance active a s of 2016 a nd everything will be good, WRONG! The next month it showed up as currently paying as agreed but still shows was 90 days past due. I called back and asked why was it showing 90 days past due on  XXXX  separate accounts? They told me they open a new account every time you start a semester and even though they prorated my deferment back to  XXXX , they REFUSED to correct the information on my credit report. I understand I have an obligation to repay my debts, but I also have a right to be notified if something is n't right. All that had to be done in  XXXX  is renew the forbearance. Despite many calls to this company, they have been rude, ignorant, and unwilling to help. Now my credit reports  XXXX  accounts were 90 days past due despite them prorating my limited forebearance back to  XXXX . Scammers! Stay away!

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2016 about Consumer Loan (Installment loan) with LENDING CLUB CORP (KY).
Issue: Managing the loan or lease

Complaint: After I filed a complaint with the Consumer Financial Protection Bureau, ( please reference case number : XXXX XXXX ) Springstone/Lending Club finally agreed that just as with over XXXX of their other mislead customers, they were indeed wrong when they added Finance Charges and Late Fees to my account, and I am pleased that they finally agreed to credit these charges back to my account. 

However, as the attached documentation will show, Springstone/LendingClub 's inappropriate actions during this dispute have resulted in serious damage to my credit report and score!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/13/2015 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Portfolio XXXX is trying to collect a debt that I do not owe. If I ever owed it, it is beyond the statute of limitations in my home state. Additionally, they have begun to call my wife and told her that I owe them money.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2015 about Debt collection (I do not know) with American Profit Recovery, Inc (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Dear CFPB, I am asking you for assistance to intervene on my behalf concerning willful non-compliance within a " reasonable time '' by American Profit Recovery refusing to remove, by law, a proven fraudulent credit profile account off my credit reports. 
This unauthorized account is a red flag that is damaging my credit record ; which is a violation of my rights pursuant to the Fair Credit Reporting Act. In circumstance, I provided my name, address, and social security number, demanding within ( 10 ) ten business days, via certified mail Number : XXXX, on XX/XX/2015 for the creditor to provide me a copy of the original application bearing my signature, giving authorization to pull my credit history so that I may forward it to the police authorities for investigation. 
The creditor has willfully not complied with my request. I have never received any benefit directly or indirectly from the fraudulent transaction ( s ). Any signature is a forgery and was made without my knowledge ; perhaps due to consumers having similar names and/ or social security numbers. I look forward to you helping me in this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: OnXX/XX/XXXX, I faxed a re-application to Navient to maintain an Income Contingent Repayment plan for my two Department of Education Consolidated Parent Plus Loans. These loans are approximately {$250000.00} at an 8.5 % interest rate. I had been notified by Navient by U.S. mail that the deadline to re-apply for ICR wasXX/XX/XXXX. My communications with Navient are by U.S mail only, by my request, not by email messages. Today, XX/XX/XXXX, I contacted Navient by telephone because I noticed on Navient 's website, where I pay my loan payments each month, that my ICR payment had risen from {$780.00} to {$820.00} although my income verified by my XX/XX/XXXXfederal income tax return had decreased by {$2000.00}. Navient informed me in that telephone call that my re-application was defective and Navient had notified me by email onXX/XX/XXXX that my application had been denied. When I informed Navient that I had signed up for paper communications only, I was told I had signed up for email notifications and that the new amount was in place because my application was defective. Navient then offered to place my account in forebearance while I straightened out my application. I declined a forebearance because I did not want interest to accrue while I put an ICR in place. My complaint is that Navient did not inform me by U.S mail that my ICR re-application was defective, increased my payment amount without notice, and lied to me by stating I had agreed to accept email messages as notices of my repayment plan status. While this increase may be small, my income is extremely tight -- I struggle each month to pay for both health care and for student loan payments. I am a XXXX year old single woman who lives on XXXX XXXX and XXXX when I can get work. The Navient customer service representatives I first spoke to were not pleasant and I was hung up on 3 times before I was able to find a rep who assured me she had taken steps so that I will receive paper notifications for my account.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (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 receive a cancellation on debt on XX/XX/XXXX, for account # XXXX, meanwhile Macys is still reporting and colleting on this card, when by law they can not, they cancel the debt since it was froud. I contact the recovery department who is Citibank internal recovery on XX/XX/XXXX i spoke to someone by the name of XXXX ID # XXXX who told me i owed the money and it would be reporting on my credit until i paid it. I explained that i pay taxes for that debt, i asked to speck to supervisor or mananager, she told me that Managers or supervisors dont speak with Debtors.

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 09-08-2016 about Mortgage (Conventional fixed mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: Carrington Mortgage Services incorrectly calculated my gross monthly income at {$1900.00}, when I provided a profit & loss statement showing {$6300.00} per month. This error makes it appear my loan modification request did not meet the requirements. 
I provided Carrington Mortgage Services with the enclosed Notice of Error & Request letter for Information pursuant to XXXX C.F.R. XXXX. 
Carrington Mortgage Services never responded or took any corrective action pertaining to my monthly income. Carrington Mortgage Services never directly responded to my Notice of Error & Request for Information letter as required pursuant to XXXX C.F.R. XXXX. 
Carrington Mortgage Services violated loss mitigation procedures. Carrington Mortgage Services knowingly miscalculated my monthly income after being provided with financial information via email, phone and fax. Carrington Mortgage Services also ignored my letter of Notice of Error and Requests for Information which was sent via email and fax.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Credit decision / Underwriting

Complaint: Short sale occurred. XXXX. Credit report shows short sale, but we are being turned down by XXXX XXXX as they are showing foreclosure, and saying XXXX of the XXXX credit bureaus are showing it 19 months ago not 32. We are renting and our lease is up soon and now we may be without a home due to a reporting error that Bank of America did.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2015 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (NM).
Issue: Loan servicing, payments, escrow account

Complaint: Nationstar Mortgage fails to drop the PMI after passing 22 % paid. Currently own 27 % of the home and the PMI is still being charged. No late or miss payments have ever occurred. I signed the form requesting the PMI be dropped and they are demanding I pay for a appraisal to proceed.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX/XXXX/16 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services , LLC . 
XXXX XXXX XXXX, XXXX XXXX XXXX Account Number Num : None Balance {$1000.00} Dear Sir or Madam, I am writing in regards Null Medical account on my credit report. On XXXX/XXXX/16 I have file a complain to the CFPB I sent a letter explaining that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I must remind you that in my previous letter I requested the following information : ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) ( 5 ) Provide the actual Bills Statements ( 6 ) Payment Receive I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the national XXXX. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2016 about Debt collection (Payday loan) with CHECK INTO CASH INC. (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I received a call in XX/XX/2016 regarding an attempt to serve me with court documents to take me to court of a payday loan from Check Into Cash. XXXX XXXX XXXX contacted me at my work threatening to serve me papers at home and if I was not home to accept they would serve me at work. I had not talked to anyone regarding this issue or received anything by mail regarding this debt collection prior to this. When I did speak with someone they were not flexible on making payment arrangements. They basically told me how I had to repay the debt without any consideration of any of my other debt I had going on. I was given a deadline to submit a small payment and then once that was paid I had 3 months to pay {$240.00} monthly by the XXXX of each month ( XX/XX/XXXX ). When I did not pay on XXXX/XXXX/16 they began harassing me again and leaving messages at my employer. I previously stated to them I could not receive personal calls, but yet they still called and left messages. I made the XX/XX/XXXX payment when I was able to in XX/XX/XXXX, but also requested they provide me something in writing regarding this matter as they still had not provided anything to me in writing. I also requested in writing they not contact me at work because I could not receive personal calls. On XX/XX/2016 and XX/XX/2016 I received voicemails from XXXX XXXX regarding XX/XX/2016 payment not received. The message I received was asking that I provide something in writing or make contact if I am not able to make the payments timely, but why would if they were not flexible in the beginning and they demanded I make payments on the XXXX of each month. Realistically that was impossible for me. I received a voicemail today telling me I was going to be served papers again on XX/XX/2016 and I needed to be home between XX/XX/XXXX to receive these documents. I have to work. I also commute to work, so how am I supposed to be home between XX/XX/XXXX to receive anything especially when they have never mailed me another regarding the debt.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/27/2016 about Bank account or service (Other bank product/service) with CREDIT ACCEPTANCE CORPORATION (NC).
Issue: Account opening, closing, or management

Complaint: Received letter from IRS proposing changes to our 2014 form XXXX because reported cancellation of debt form XXXX from Credit Acceptance Corporation which created a tax bill with penalties and interest. We never received a XXXX from this company. The only dealing we had with this financial institution was over 20 years ago and do n't have a valid debt with the company.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation