milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: IMPROPER USE OF PERSONAL INFORMATION UNDER THE FDCPA GUIDE LINES.

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 12/24/2015 about Consumer Loan (Installment loan) with Argon Credit (GA).
Issue: Managing the loan or lease

Complaint: I received a call from Argon Credit asking if I wanted to refinance my account. At first, I stated No and my husband said yes we use it for XXXX. Well that is when the nightmare begin. I received the contact on XX/XX/XXXX and I notice that it did not have any account information. I called an gave her the information and was told that the funds would be there on XX/XX/XXXX. They were not there, so I called and spoke with XXXX XXXX, she asked that I send her bank statement and voided check which I did. Then a young man called and asked for the same information, I explained that I had sent it to XXXX XXXX and he stated that she had not update and ask that I email him the documents. The next day no funds so I called and was told that it would take up to 5 days, I have never had a problem in the pass. So on XX/XX/XXXX I called and I said ok this is crazy I have been waiting since XX/XX/XXXX for the funds and you send me an email stating that the funds would be in my account on XX/XX/XXXX. I ask can we just cancel and I go back to my old agreement that I had. XXXX ask that I allow him to see what was going on and call me back. He did and told me that the bank had rejected the deposit, so I call the bank and was told that no deposit was presented my that company. So I called back and I requested a supervisor, all the time I am asking about this due date of XX/XX/XXXX which was going to be less than 30day since at this time I did not have the funds. I was told each time that once I received the funds to call back and the due date would be changed. Well the funds were finally deposited into my account on XX/XX/XXXX 11 days after this whole process started. So I called and spoke with XXXX and was told that she would call me back. She did leave a message when I called back I was told that the due date would not be change the payment is due on XX/XX/XXXX, 19 days after I received the funds. Then I am looking at the contact and it states that funds will be issue no later than 5 days after the contact since I there is a 5 day grace before late fee applies. I also notice that the interest is 59 %. Everyone that I talked to before told me that the due date would be change since it was after the 5 days and now I am being told that they are not willing to change the due date.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2016 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (PA).
Issue: Loan modification,collection,foreclosure

Complaint: We put our house up for a short sale back in XXXX the company SPS requested our financial information. They got another appraisal this was the XXXX. SPS said they wanted {$300000.00}. 
on XXXX XXXX 2016 there as an offer for the total {$300000.00}. Since then SPS has requested our bank statements for every month and got a new appraisal every other month. the last year SPS has gotten at least 7 appraisals. The last Appraisal was for {$260000.00}. The people that put in the full price now after being put off for almost 5 months are giving up SPS has done nothing to get this sold .They say they are still looking it over and it will be at least another month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2017 about Debt collection (Other debt) with Pinnacle Credit Services, LLC (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Pinnacle Credit Services is a collection agency that has multiple dba's/aka 's in multiple states. This collection agency has removed and reinserted the same account into my credit file multiple times for a debt that is well beyond the statute of limitations for the state of Georgia. They have dishonest tactics such as changing the last activity date in an attempt to re-age the time allowed for the negative information to remain in my credit file. They have changed the amount owed and reinserted the account into my credit file under one of their many dba 's after the account had already been removed from my credit file as shown in the attached files. This company is so bold and egregious in their tactics, they have listed one of their dba 's as the original creditor in my XXXX credit file and report ( as shown in the attached files ). You will notice that I have attached my XXXX  and XXXX credit reports that were pulled on XX/XX/XXXX as well as XX/XX/XXXX to provide a visual example of the unfair and deceptive tactics used by this organization. The name of the collection agency, Original Creditor, Balance and account numbers all changed from what they were in XX/XX/XXXX to what they are now in XX/XX/XXXX. [ Equifax Report XX/XX/XXXX ] |Collection Agency name : Pinnacle Credit Services LLC| |Original Creditor : XXXX XXXX |Balance/High Balance : $ XXXX| |Account number : XXXX [ XXXX Report XX/XX/XXXX ] |Collection Agency name is now : - ( blank ) | |Original Creditor is now : Pinnacle Credit Serv ( Yes ... They are now listed as the Original  Creditor!! ) | |Balance/High Balance is now : $ XXXX| |Account number is now : XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- [ XXXX Report XX/XX/XXXX ] |Collection Agency name : Pinnacle Credit Services| |Original Creditor : XXXX XXXX XXXX| |Balance/High Balance : $ XXXX| |Account number : XXXX [ XXXX Report XX/XX/XXXX ] |Collection Agency name is now - Pinnacle Llc| |Original Creditor is : XXXX XXXX XXXX| |Balance/High Balance is now $ XXXX| |Account number is now : XXXX Not only is this alleged debt well beyond the statute of limitations for collections and beyond the statute of limitations for it to be reported in my credit file. The unfair and deceptive tactics used by this collection agency are in direct violation of the law, according to the Fair Debt Collection Practices Act ( FDCPA ). The many names, dba 's and aka 's under which this company operates are listed below : XXXX XXXX XXXX XXXX dba/aka XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX, SC XXXX XXXX XXXX XXXX aka/dba/XXXX XXXX aka/dba/ XXXX XXXX XXXX XXXX XXXX aka/dba/XXXX XXXX XXXX XXXX aka/dba/ XXXX XXXX XXXX XXXX   aka/dba/Pinnacle CS/Pinnacle Credit Serv/Pinnacle Llc 1XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX  XXXX, SC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2017 about Debt collection (Medical debt) with Paramount Recovery Systems, L.P. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I submitted letters of verification to the credit bureaus to validate collection and negative accounts on my credit report by requesting and sending me a copy of my signature on contracts with all companies on my credit reports that are showing negative or collections i.e. paramount recovery systems I sent certified letters off to all three credit bureaus on XXXX XXXX, XXXX. I heard back from the credit bureaus stating the account was valid but did not produce a copy of my signature on a contract. I.e. paramount recovery solutions. 

I received a letter in the mail on XXXX XXXX, XXXX from paramount recovery solutions stating they received notification for validation and attached documents with contained a break down of services I received at a hospital which includes : my name, social security number, date of birth, diagnosis, diagnosis codes, and insurance information. I was not aware that my very personal and private information was contain in these documents that were addressed to me in an erroneous address that could have been sent to the wrong address ( the document had the wrong city ) and my information could have been compromised and may have been comprised.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: On XX/XX/XXXX, I discovered that my personally identifiable information may have been disclosed without my authorization due to a data breach. On XX/XX/XXXX, I mailed a XXXX XXXX XXXX XXXX form to the XXXX XXXX XXXX XXXX  service, asking for a free copy of my credit report from Experian, if it existed. On XX/XX/XXXX, I received a response from Experian stating that they did not find a credit report because I either " did not provide sufficient identification information to verify your identity, [ I ] have not established a credit history, or the information [ I ] provided was not legible. '' The response stated that Experian was able and willing to recheck their records if I asked. 
On XX/XX/XXXX, I sent a reply to Experian asking for a reinvestigation. I included copies of the documents that Experian requested along with a letter of explanation that I desired to receive a conclusive determination for whether or not I had a credit report, and if I did, to provide me a copy of it. On XX/XX/XXXX, I  received a response from Experian which again stated that they were not able to provide me with my credit report. However, instead of clearly answering my query, Experian provided the exact same collection of possible reasons why it could not provide me with my credit report. No definitive statement was offered about whether or not a credit report in my name existed in Experian 's credit reporting database. 
On XX/XX/XXXX, I sent a second reply to Experian, again asking for a reinvestigation, and emphasizing that I desired to receive a clear and unambiguous statement that I either did or did not have a credit report within their database. I included copies of all of the requested documents Experian requested in their letter to perform their investigation. 
On XX/XX/XXXX, I received a response from Experian identical to the one I  previously identified as inadequate. In spite of my two direct and reasonable letters, Experian has failed to answer with an acceptable degree of specificity whether or not I have a credit report within their database.

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 07/27/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Billing statement

Complaint: I filed a dispute with Capital One about a purchase I made at Saks Fifth avenue store. I sent the letter certified mail on XX/XX/XXXX and per Capital One rules they are supposed to sent a letter back within 30 days to acknowledge the receipt of my letter. Capital One failed to do so. At this point since they failed to follow the Credit Card Accountability Responsibility and Disclosure Act of XX/XX/XXXX or Credit CARD Act of XX/XX/XXXX they have to remove the disputed charge of {$770.00} from my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/25/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: This is not the first complaint I have submitted about this company. I switched my servicer to FedLoan for the PSLF program. Earlier this year I submitted annual documentation to decertify my income based repayment plan. My payment went from $ XXXX/month to {$580.00}. When I called to complain about this, no one could ever explain to me how this happened. My income did not increase significantly and I had been at the same job. I was assigned a " borrower advocate " at FedLoan. I was put into a REPAYE plan with a payment of only {$200.00}, which I felt was an interest only plan. In XX/XX/XXXX, I found out that my husband also has a significant amount of Federal student loans. I spoke to this " advocate '' about this and she sent me the forms to reapply for the IDR plan. In the meantime, I again received another bill for the {$580.00} which I have repeatedly told them I can not afford. I filled out the form ( earlier this month ) and emailed it directly to the " advocate '' along with our tax returns. Last Friday XX/XX/XXXX I received an email saying they could not process my request due to " missing information '' and that I would be getting a letter telling me what was missing. When I tried to log onto the website to see the letter, the site was down. Yesterday I emailed this " advocate '' and today I left a phone message- no response. Today I got a letter in the mail from FedLoan not saying anything about missing information but that hey could not process my IDR request because " the version of the form you submitted is expired. '' Then I received a letter saying my account had been placed in forbearance to give me time to figure this all out. 
I am someone who has never been behind on bills and has always had excellent credit, and I do not need it destroyed by FedLoan Servicing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/18/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with URS Holding, LLC (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: Credit Reporting Agency fails to removed inaccurate account from my credit report. 

There is an account with Enterprise Recovery Systems which began reporting on XXXX 2015, and have been reporting ever since to day. The problem is I was in a no assest based Chapter XXXX bankruptcy that was discharged on XXXX. This debt is from XXXX, and the Credit Reporting agency refuses to delete. 

This debt ca n't be assigned to Enterprise Recovery system on XXXX if all debts were discharged on XXXX. Thus Enterprise Recovery Systems has no collection authority on a discharged debt nor can they be assigned an already discharged debt. 

I have disputed with both the credit reporting agency, and enterprise recovery system and they are refusing to delete.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EXETER FINANCE CORP. (LA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Car was wrecked and was suppose to been covered with XXXX coverage. A payment was never missed. Only had vehicle for about a month. Information on credit report is not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: On XXXX XXXX, 2017 I sent a letter to XXXX XXXX XXXX requesting validation of a debt they said I owed them in the amount of {$1300.00}. The original creditor was XXXX XXXX. XXXX XXXX replied back to my request on XXXX XXXX, 2017 and stated that this was a business loan secured by me with a personal guarantee and this was why the could put it on my personal credit. When I asked for the personal guarantee that I supposedly signed they could not produce it. XXXX XXXX went as far to say they were not a 3rd party collection agency and that the FDCPA rules did not apply to them. I could n't get anywhere with XXXX XXXX, so I decided to contact Transunion XXXX/2017, XXXX2017, XXXX/2017, XXXX XXXX/2017, XXXX/2017, XXXX/2017 and XXXX  XXXX/2017 to help me resolve this issue with XXXX XXXX. All XXXX bureaus gave me the run around and all I wanted was an honest investigation.

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 11/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Placed calls to XXXX, Transunion and XXXX in regards to inquiries that were iniated by me. Was told by represenatives from each company that they were factual. Explained to the represenative that I knew what my credit situation was and that I would not be trying to get more credit with the way my credit was.

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 06-09-2016 about Student loan (Federal student loan servicing) with GREAT LAKES (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I consolidated my loans and because I did that I was denied XXXX Loan Forgiveness because my loans originated in XXXX. However, I was seeking forgiveness for loans taken for my XXXX which started in 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 01/25/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: I XXXX are requesting as of XXXX/XXXX/2016 a temporary credit freeze be place on my credit file at XXXX XXXX and trans union and all other national credit reporting agency.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2016 about Debt collection (I do not know) with Integrated Recovery Services (CA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Debt collector going by the name of " Integrated Services '' threatened actions that they are not legally able to take. I asked them for their address and they became evasive in flagrant violation of the Fair Debt Collections Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with OCWEN LOAN SERVICING LLC (WA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Ocwen reporting mortgage is 120 plus days past due, account is current and in good standing

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (PA).
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint: Santander Consumer USA has been taking monthly payments out of my checking account for payment on my RV for over 10 years. The last payment was due on XXXX XXXX, 2017. I received the monthly invoice/statement like normal for the last amount due and noted that it was a few dollars less than the past amounts. There was no indication that I needed to send them a payment. On the week of XXXX XXXX, 2017, they started calling me. On XXXX XXXX, 2017, at around XXXX they got me at home and told me I had to send the last payment in and because I was late with payment there would be an additional {$3.00} of interest. I did not consider this to be my problem, but their problem for not letting me know I should have paid them by check instead of having them take the money out of my account. I asked to speak with a manager and did not get anywhere with them on the disagreement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/26/2017 about Student loan (Federal student loan servicing) with EdFinancial Services (NJ).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: Back in  XXXX  I attended a school called  XXXX    XXXX    XXXX  in  XXXX , nj. The school has since been closed down. I 've never received my certificate of completion because the school was so in a disarray that they could n't even keep a steady teacher for the classes. The curriculum was barely taught and needless to say I never got the chance to complete. I 've tried to explain this to edfinancial but I 've had no luck because the school officially closed in  XXXX .  XXXX  is when I had to take a different route in life and join the  XXXX   XXXX . I 'm still stuck with  XXXX  loans from this school.  XXXX  for {$5000.00} and another for {$8000.00}. The ideal wish is to get both of these removed from my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2017 about Payday loan, title loan, or personal loan (Payday loan) with Enova International, Inc. (SC).
Issue: Problem with the payoff process at the end of the loan

Complaint: I am making efforts to repay this high interest for a {$800.00} loan. They decline my previous offer for a {$50.00} monthly repayment schedule. I offer to pay {$50.00} per week effective XXXX XXXX, 2017. I am still searching for employment, a job offer has not been extended to me. If I get hired for a position at a financial institution, the job is scheduled to start Wednesday, XXXX XXXX, 2017. It appears that CashNetUSA is refusing to work with me. I have been unemployed for over 6 months. Until I can get a earlier start date, this is what I have to work with and to avoid bankruptcy proceedings.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2017 about Credit card () with U.S. BANCORP (FL).
Issue: Billing disputes

Complaint: Applied and received fidelity rewards card Received statement, bill due XX/XX/2016 Electronically paid entire amount and another {$300.00} on XX/XX/2016 Charges to card refused on XX/XX/2016 Contacted the company-was informed payment received but not posted to my account and yes indeed there will be a late fee, was informed payment may be posted for as long as 48 hours, it had been 5 days! 
I promptly closed the account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief