milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/27/2015 about Debt collection (I do not know) with Ability Recovery Services, LLC (VA).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I have tried contacting them due to imposted payments! They hang up on me every time.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I 've contacted transunion on several occasions and faxed police reports and FTC Identity theft report to them as well and they have n't removed the fraudulent inquiries yet!

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 08/26/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (WA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I called Midland Funding LLC after I noticed a strange issue on my credit report. called XXXX. The representative refused to submit information to me regarding verification of this so called debt. 

I have not had any credit cards for 8 years, that I am aware of, and tried to explain this to the clown on the other end of the phone at midland funding. He acted stupid, treated me as though I was stupid, stated I do this all the time when I call. However, I have never called them till today. 

The representative responded to me with abusive and demeaning comments all during the conversation, as though, I were lying to him regarding my assessment of the account and request for verification. 

These people at Midland Funding are a disgrace to the debt collection industry. 

He then refused to acknowledge I was stilol on the phone by saying I cant hear you ... .you still there ... .Hello .... 

He knew I was still there he just did not want to deal with my law protected request for information. THIS SI A DIRECT VIOLATION OF THE FDCPA GUIDELINES!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/23/2016 about Debt collection (Payday loan) with COMMUNITY CHOICE FINANCIAL, INC. (CA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Called my sister as XXXX XXXX and left the number XXXX ext XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (AZ).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: On or about XXXX 2017- I was purchasing XXXX XXXX airtickets ( XXXX for me and another for my sisters ). While I was doing that - there is screen while booking the ticket that is very  confusing and deceptive ( clear violation of UDAAP ). That verbiage suggested that If I will apply for this delta skymiles card  from american express today - I will be getting {$100.00} statement credit. But today when I was chatting with XXXX ( Amex Customer service ) - it came out to be totally different situation. I come to know that one has to use this new delta skymiles card from amex to make delta eligible purchases to get {$100.00} statement credit - it 's very very misleading and confusing. How come somebody can use the card when they do n't have it in front of them??? Moreover XXXX XXXX XXXX card - reveals the physical card details after applying for that via the XXXX XXXX mobile wallet app. Amex or Delta - did nothing like that. If they ca n't have the mobile wallet kind of app - at least they can use the usersession to record that transaction as if it is made using the newly approved card. It 's clear violation of UDAAP. Why one will apply for the credit card ( and XXXX up the credit score ) when they cant ' avail the benefits at that moment or get the reward. This is deceptive, misleading and false advertising by amex. Moreover on that page due to some technical issues - it considered as if I applied twice for this credit card. So it impacted my credit score twice. Why in the world Amex think that somebody will pay {$95.00} annual fees for a card which has so much misleading, deceptive and false wordings and that 's how it seems Amex is making money. Worst thing - their chat has a lot of wait time, ca n't be expanded, ca n't save the  contents and they never offer to send the contents by email or other means. when i tried talking to XXXX 's supervisor - XXXX - after few interactions - the chat is closed also- which means the moment I asked tough questions - they closed the chat. There is something wrong. This scandal/scam is as big as XXXX XXXX making folks fake accounts. Amex is tricking people to open the credit card which has annual  fees also to make money out of them. This should be stopped. No other credit card issuers are involved in this kind of UDAAP violation.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2016 about Consumer Loan (Vehicle loan) with Reliable Credit Association, Inc. (ID).
Issue: Managing the loan or lease

Complaint: I fell behind on an auto loan with Reliable Credit Association. The loan officer offered me a settlement that if I brought the vehicle back they would settle the account and not charge me the balance after auction sale. however, they report an unpaid balance of over XXXX on my credit report. this is contrary to our agreement, the account should reflect a zero balance.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-09-2016 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (CT).
Issue: Settlement process and costs

Complaint: Inspired by a recent article which detailed the travails a homeowner was having with Nationstar and the fact that he was seeking help through the CFPB, I wanted to share my experience in case it is not too late to be of use to myself or others. 
XX/XX/XXXX I was seeking to refinance my mortgage, when my existing mortgage was sold to Nationstar. Despite persistent calls from me they took a couple weeks to provide a loan payoff amount, saying that their system had not received the necessary details of my mortgage. The folks at the credit union I was trying to refinance with affirmed that they had never seen such unresponsiveness. As a result of Nationstar 's delay I lost my initial locked-in mortgage rate, costing me an extra $ XXXX/month for a total of over {$9000.00} over the life of the loan. 
I also had issues with Nationstar after the refinance, having to place many calls to get explanations ( often confused or contradictory ) for adjustments they made when refunding my escrow funds. Firstly, although I had requested the Payoff Statement as of XXXX XXXX, they sent it good through XXXX XXXX. The law firm handling my refinance sent Nationstar payoff funds appropriate to the date of their receipt of the funds, eliminating the interest for days after the loan was paid off. But when Nationstar refunded the money in my escrow account they deducted hundreds of dollars for interest for the remainder of XX/XX/XXXX ; despite my objections they refused to refund that amount. 
Second, my initial mortgage had been an FHA loan which had been open two and a half years ( since XXXX XXXX ). I was of the impression that the up-front Mortgage Insurance Payment which I paid when taking out the first mortgage was paid out over the first five years, and so because I was refinancing before the five years had passed I was due a refund of some amount of the up-front MIP payment. As part of the aforementioned calls with Nationstar regarding adjustments they made when refunding my escrow funds, I tried to ascertain whether I was getting this refund. Although they said yes and pointed to a credit of a few hundred dollars, I was a suspicious given that I had been expecting about half of the original up-front payment ( which was {$7000.00} if I recall correctly ). 
Bottom line, I do n't know if the folks at Nationstar were swindling me or just incompetent, but either way the result was expensive for me.

Company response to consumer: Closed
Consumer complaint received 03/14/2016 about Debt collection (Auto) with SANTANDER CONSUMER USA HOLDINGS INC. (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: My ex wife purchased a car and it was financed by Santander which at the time of purchase Gap insurance was also purchased. There should be no balance left is which why consumers purchase gap coverage. I have disputed this account and requesting full validation and verification regarding this issue. Please help assist.

Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: Transunion credit bureau has my credit score way off. 
I have a auto loan through XXXX XXXX which I pay monthly and it is not listed on my Transunion report.

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 12/29/2017 about Money transfer, virtual currency, or money service (Traveler's check or cashier's check) with NAVY FEDERAL CREDIT UNION (MA).
Issue: Problem with customer service

Complaint: On XXXX XXXX, I authorized Navy Federal Credit Union ( XXXX ) to XXXX me a cashier 's check for {$9000.00}, taken from my savings account with them, made out to XXXX XXXX of XXXX, so that I could make a downpayment on a new vehicle. Because of tax issues ( this is a new plug-in hybrid, with expiring federal and dealer cash incentives totaling approximately {$6000.00} ) it was essential that I complete the transaction prior to the end of the calendar year. 
When the money did not arrive this morning ( XXXX XXXX ), I called XXXX to get the tracking number, and I was informed that the check had been mailed by USPS, not XXXX. At first they claimed that I had not requested the check be sent by XXXX, but then they listened to the audiotape of the conversation and discovered it was their fault, not mine. Then they told me that the only choice I had was to accept a cash advance on my credit card, and that they would then XXXX the new check, and then waive the cash advance fees once I returned the check they mailed to me. It is unacceptable that I would be required to take a loan on a credit card to fix XXXX  clerical error. Taking such a cash advance loan could negatively impact my ( perfect ) credit score. It is their error, not mine, so why should I have to incur the risk and trouble? In effect, my funds were made unavailable to me during a time critical need. As a result of XXXX incompetence I was forced to withdraw nearly all the funds available in another bank account in order to complete the auto purchases prior to the end of the calendar year without risking damage to my credit record or the loss of {$9000.00}. As a 40+ year client of XXXX, I am extremely angry at their failure to execute the simplest of transactions and their subsequent failure to take responsibility for same. Their actions reflect negatively on credit unions as a whole.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2017 about Credit reporting () with Experian Information Solutions Inc. (AZ).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I know that my rights are being violated. I 've been disputing accounts that I know are either inaccurate or do not belong on my credit report and not only am I receiving statements that these have been " verified '', but my proof of said inaccuracies are being ignored. 

I 'm perplexed as to why I 've received statements that there will no longer be any investigation into accounts that I know do NOT belong to me. Per XXXX, the CRA 's can not just state that the creditor said that the name, date of birth, address and social security number match mine. That is not legal verification and the only form of which would be firsthand knowledge - having the docs in their possession. If they had that information, they would have sent it over to me inconsideration of the fact that I 've been disputing these since XXXX 2016. I either need to see the documentation or they need to be removed, as the XXXX XXXX XXXX accounts do not belong to me. The only items that allowed to be on my report are those in which there was an agreement to pay or owe the debt. I did not owe to pay or owe these debts and they need to come off 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 10/31/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Results Unlimited, Inc. (MD).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: Good morning. On Saturday, XXXX XXXX, XXXX I attempted to withdraw money from my bank account at XXXX XXXX bank via ATM. The ATM screen notified me that I would not be able to complete the transaction and needed to call XXXX, when I did that I was informed that there was a lien against my account and I would need to call back on Monday, XXXX XXXX, XXXX to speak with someone from the legal department. 
I called this morning, XXXX XXXX, XXXX, at XXXX and the representative transferred me to Results Unlimited, Inc , a collection agency in XXXX , VA. I spoke with that representative and was told I owed {$3500.00} for monies owed for an apartment I never heard of, however, my name and social were used. I asked for any information on this to be faxed to me and I was told that I would have to call XXXX XXXX XXXX ( I was also never given a name for the representative at the collection agency ). 
I called XXXX XXXX XXXX and was told that the judgement was passed in XXXX. I asked how I would have been summoned and was told the Sheriff would have served me with the notice to appear. I lived aboard the XXXX XXXX XXXX XXXX at this time, however, and never received a summons. 
I then called the XXXX XXXX 's office and was told that if a member of the military is summonsed, the court would contact the command 's legal department and they would arrange for the XXXX to meet the Sheriff at the XXXX police station. That never happened, either. 
My bank account is still frozen, and I was told that it would remain frozen until the {$3500.00} is paid. I get direct deposit from my employment, as well as VA XXXX. Is this legal? What options do I have? This " judgement '' is not even appearing on my credit report. This will render me homeless!!! Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2015 about Student loan (Non-federal student loan) with IOWA STUDENT LOAN LIQUIDITY CORPORATION (SD).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Lender withdrew XXXX payments from my account when they were only authorized to take 1. They had a computer glitch and mistakenly took XXXX extra payments. I was not notified by my lender about this issue. The only reason I found out is because I was issued a Non-Sufficient Funds notice from my bank due to the extra payments they took out. Once I found out the error, I called them immediately. It was at that point that they notified me of the glitch that caused the error. I feel this was completely negligent behavior to not even notify me. Now I have to prove that they were the cause of the NSF to get the fees repaid.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (NM).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: On XX/XX/2017 I was served at my daughters house ( I do n't even live there ) with a summons of a propose lawsuit in the amount of {$2200.00} from an attorneys office : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX NM XXXX ( phone # XXXX ) and the XXXX  District court in XXXX County NM Case # XXXX I responded immediately to the courts and to the attorneys office requesting documentation to support this financial claim, Today ( Dated XX/XX/17 ) I received communication from this attorneys office stating that " The Client ( Capitol One ) has reviewed and investigated your fraud claim in relation to this account and determined your dispute invalid '', this debt collector supplied absolutely no supporting documentation. This is not my debt, I do now owe this money. I am being threatened and dragged through courts for something that I am not liable for thanks to XXXX XXXX XXXX, unscrupulous attorneys office on behalf of a unscrupulous debt activities attempt. I can send or scan all relevant supporting du=documentation to you as needed or requested, Thank you ... XXXX XXXX XXXX XXXX : XXXXXXXXXXXX mailing address : XXXX XXXX XXXX XXXX XXXX, NM XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2017 about Debt collection (Medical) with GLA Collection Company, Inc. (KY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: GLA Collection was suppose to report that debt on my credit bureau that info on credit file was incorrect. I spoke to a representative and they never reported that the info was incorrect. This is the letter I received from them

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2017 about Payday loan, title loan, or personal loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (OH).
Issue: Getting the loan

Complaint: I was approved for a $ XXXX loan back in XX/XX/XXXX. I have been making regular payments to day and have experienced another hardship so went back to apply for an additional $ XXXX loan. When I realized I only needed about {$2500.00} or less, I notified One Main and told them. 

The CSR informed me that I had been approved for the $ XXXX loan however, I would need to use my XXXX as collateral. I told the CSR I did not want to do that and he told me that they could not give me the loan. I then inquired about receiving way less than that amount and was informed that my car would have to be used as collateral. 

I asked the CSR, XXXX, what credit report was used to approving my $ XXXX loan previously. XXXX told me that they pull from all three ( 3 ). I asked him what was different between the two ( 2 ) reports pulled in a matter of months. He stumbled and said that 2 things popped up. Well, that makes no sense as the items that " popped up '' were on my report since XX/XX/XXXX or sooner so you had to see it when you gave me the $ XXXX loan. 

I asked for a copy of the credit reports and was denied review of them but One Main wants to use my credit report as the foundation for requesting a collateral loan.

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: THE PROBLEM IM HAVING WITH THIS CREDIT CARD COMPANIES, IS XXXX I NEVER HAVE ANY CREDIT OR LOAN WITH BANK POPULAR, AND THEY KEEP REPORTING ON XXXX XXXX AND OTHER BUREAUS THAT IM LATE. 

XXXX NEVER LATE ON XXXX CREDIT CARD AND WHEN I CALLED THEM THEY SAID THE SYSTEM AUTOMATIC REPORTED THAT IM LATE. 

XXXX XXXX XXXX NEVER LATE ON THIS CREDIT CARD AND THEY KEEP REPORTING THAT IM LATE EVEN AFTER I DISPUTED KEEP APPEARING ON MY CREDIT THAT IM LATE. 

XXXX NEVER LATE ON THIS, I DO N'T WHY THEY DO N'T REPORT AS A POSITIVE I PAID ON TIME EVERY MONTH AND ITS IS BEEN SINCE XXXX FIGHTING AND THEY DO N'T FIX IT. 

XXXX ON ALLY BANK I WAS ONLY XXXX TIME LATE, AND THEY REPORT THAT I WAS LATE 5 TIMES, AND I'BE CALLING THEM BUT THEY DO N'T DO ANYTHING ... ... I THINK THIS IS NOT RIGHT .... 

HOW CAN I FIX THIS PROBLEM ... ... .. 

6-ANOTHER IN COLLECTION, I NEVER OWN ANY MONEY TO THIS COMPANY CREDIT COLLECTION COMPANY, AND THEY ARE REPORTING THAT I OWN MONEY, I DO N'T KNOW WHO THEY ARE ... .. PLEASE HELP BECAUSE THIS THINGS ARE KILLING ME ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Debt collection (Payday loan debt) with ACE CASH EXPRESS, INC. (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: Received a call on my job phone and cell phone from XXXX XXXX ( on XX/XX/XXXX ) with XXXX XXXX who said she was representing Ace Cash ExpresXXXX from a debt from XX/XX/XXXX. She stated that I committed fraud, but this debt was paid to the collection company that Ace sold the debt to back in XX/XX/XXXX. I also received a letter last year ( XX/XX/XXXX ) stating that there was a settlement against Ace Cash Express from the CFPB and I won a portion of the amount that I had paid.Texas ' four-year statute of limitations on debts works alongside the Texas Debt Collection Act. The limited time period means thatdebt collectors can not sue individuals in an attempt to collect debts that are more than four years  past due.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (FL).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I went to XXXX University in which they were found guilty of fraud now I owe XXXX for nothing. Now I owe so much money they took advantage of me knowing that they were commiting fraud. I just do not understand why do I have to pay all of this back when I was unable to graduate because of life issues. They over charged on everything knowing what they were commiting fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Solomon and Solomon, P.C. (NY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I owe an old account from XX/XX/XXXX it 's stating to XXXX they sold that debt off to a collection agency and are stating I opened the account in XX/XX/XXXX and XX/XX/XXXX it went into collection. They sold a account that falls under NY state statue of limitations of 6 years and are selling it as a new account when I called to obtain the account paper work even the guy I spoke with informed me they were selling my account from XX/XX/XXXX and it 's illegal to do so marking it as new in XX/XX/XXXX.

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