milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with COMMUNITY CHOICE FINANCIAL, INC. (KS).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On XX/XX/XXXX at XXXX XXXX C.S.T. I spoke with an attorney for Cash Central from phone number XXXX. At that time, the attorney wanted to get the jist of my complaint to the Consumer Financial Protection Bureau. I advised the attorney that I did not recall the loan and that I had a live in fraud alert on my credit bureau because my former live in boyfriend had stolen my identify ( which I did not find out until months later ). I did not get to take advantage of these funds and after being threatened repeatedly with jail and repossession of my vehicle by their collectors I  paid the bill out of fear. 

Subsequently, the attorney under both the American Bar Association Regulations and Federal Statutes has a duty and an obligation to review the complaint. According to 15 U.S.C. 1681c-1 ( h ) ( 1 ) ( B ). & FCRA 605A ( h ) ( 1 ) ( B ) Potential creditors must use reasonable policies and procedures to verify the identity of an applicant before issuing credit in the consumers name. 

In reviewing the loan documents Cash Central referred over there was no proof of identity provided. No copy of my original signature or drivers license that would be the very least reasonable procedure instituted and is industry standard when faced with any consumer transaction, especially those involving identity theft. 

I have made attempts to resolve this with the company that at this point is destroying my credit and causing me to incur damages as a result of their refusal to comply with state and federal laws. I kindly request that the following item be deleted from my credit report as it is not mine. If Cash Central continues to blatantly violate the law, I will be forced to seek civil damages and injunctive relief. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor : CASH CENTRALXXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, UT 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
Consumer complaint received 04-06-2015 about Student loan (Non-federal student loan) with SUNRISE CREDIT SERVICES, INC (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Initial letters from Sunrise Credit Services ( SCS ) office were dated XXXX XXXX, 2015 & XXXX XXXX, 2015. I received XXXX different notices from XXXX XXXX XXXX ( XXXX ) dated XXXX XXXX, 2015 & XXXX XXXX, 2015 stating they were still servicing my loans. As such, I disregarded SCS ' initial letters as XXXX entities are not allowed to collect on the same debt at the same time. 

I was notified of SCS ' involvement from XXXX XXXX XXXX ( GLS ) as of XXXX XXXX, 2015, therefore any disclosures made by SCS prior to that date are void. I have not been notified of a default on these loans and as the balance SCS is reporting is inaccurate, any default that occurs prior to SCS resolving the dispute is also void. 

Each different SCS account number on their XXXX XXXX letters lists the same amount owed of {$9500.00}, which is inaccurate. SCS letters misrepresent the outstanding balance on each of the XXXX loans taken out with XXXX XXXX XXXX ( XXXX ) as {$9500.00} for a total of {$28000.00}. There were XXXX loans taken out through XXXX and the total of those XXXX loans was {$9500.00}. 

I would also like to bring your attention to conversations with representatives of SCS ' office ; XXXX XXXX, XXXX XXXX XXXX XXXX ( unknown last name ) on XXXX XXXX, 2015. SCS representatives disclosed the nature of the call without confirming my identity, under the FDCPA that is known as third party disclosure. Additionally, I questioned if SCS was a collection agency and a SCS representative confirmed it was indeed a third party collection agency. None of the SCS representatives provided the mini Miranda, which is another violation of the FDCPA. 

SCS representatives also failed to notify me that the call was recorded, which is required by California penal code. 

I have not authorized any automated calls to my cellular phone and received numerous calls from SCS ' office using an Automated Telephone Dialing System, which is a violation of the Telephone Consumer Protection Act. 

In closing I would like to mention SCS ' demand for payment in the amount of {$710.00} in back payments and current monthly payment of {$220.00}. My monthly arrangement with XXXX was {$60.00} per month due to my financial situation of bringing home less than {$2000.00} per month. Should they be willing to modify their monthly payment requirement, I am more than willing to establish a payment arrangement with their office that is reasonable & affordable for both parties.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I read news reports that Equifax allowed hackers to access my personal information. 

Equifax has not clearly identified if I was a victim of this, but its website has given me a future date where I may return and use their for-profit service to " monitor '' my credit as it is destroyed by criminals. They will not take any responsibility for maintaining my good credit data. 

Do security firms stand by and watch as criminals break into my house, and then suggest I file a police report? Is n't the point to STOP a crime from being committed and to restrict access to my data? 

Further, Equifax officials have personally financially benefited from selling stock before this was made public.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 about Debt collection (I do not know) with Western Portfolio Assets (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: A family member 's phone number was called by a man named XXXX XXXX who said he worked for XXXX XXXX XXXX and at first said they needed to speak with me or to my attorney in a message on their answering machine. When I was played the message, I contacted them after doing a web search of the phone number to discover they 've been harassing other people into paying old debt that has gone past the statute of limitations, supposedly scamming them, and even gone to the length of harassing people just because they have similar names with people who incurred debt. I even listened to some of what they had to say and did not recognize names of any companies or addresses but the year they named being 2006 of when the debt began. That would make it well over 10 years for whoever incurred it and that goes beyond the fair debt collection practices of 7 years which would make it time barred. I feel sorry for the people they 're still seeking to do that to, there are laws in place meant to protect the consumers after so many years have went by and this creditor is violating those laws.

Company response to consumer: Untimely response
Consumer complaint received 04-12-2017 about Credit reporting () with EQUIFAX, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I recently reached out to Equifax about unauthorized inquiries I found on my report. The agent I spoke to ( XXXX ) told me to file a police report for fraud. I went to the police department here in XXXX XXXX, XXXX XXXX XXXX Patrol Division. I informed them of the fraud on my credit file and that I did n't give anyone permission to use my information. The desk sergeant told me that no crime was committed. She stated until I received a bill in my name, that there was nothing they could do about it. I spoke with Equifax yet again and was told to file a complaint here. 
This is the list of inquiries that Equifax refuses to remove that I did n't authorize. 
XXXX XXXX XX/XX/XXXX, XX/XX/XXXX ; XXXX XX/XX/XXXX, XX/XX/XXXX ; XXXX XX/XX/XXXX, XX/XX/XXXX ; XXXX XXXX/XXXX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX. 

Due to never being supplied with verification nor validation of inquiries, I would like for them to be deleted according to the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2015 about Credit card () with U.S. BANCORP ().
Issue: Other

Complaint: Dear Sir, My self XXXX XXXX, using XXXX Credit Card since 2007. I observed in last month that company has practice to charge interest on due amount without adjusting partial payment made on or before due date. On asking clarification on this they told that until unless full amount is not paid interest shall be charged without adjusting any partial payment. 
Kindly look into that matter and justify why the partial payment should not be adjusted in principal amount for calculating interest.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2016 about Consumer Loan (Vehicle loan) with World Omni Financial Corp. (FL).
Issue: Managing the loan or lease

Complaint: On XXXX XXXX, XXXX purchased a new vehicle from XXXX XXXX XXXX Fl vehicle is financed with Omni World Financial Retail XXXX XXXX XXXX XXXX TN. XXXX. My account number on this loan is XXXX XXXX Toyota Tundra. On XXXX XXXX, XXXX received a credit alert that a new account was reported to XXXX on this vehicle with an ERRONEOUS open date of XXXX XXXX, XXXX? On XXXX XXXX, XXXX received a credit alert that a new account was reported to XXXX on this vehicle and again ERRONEOUS information reported stated new account opened XXXX XXXX, XXXX I did n't purchase the vehicle until XXXX XXXX, XXXX? Today XXXX XXXX, XXXX at XXXX EST I called World Omni Financial/XXXX XXXX XXXX and spoke to a representative on the erroneous information reported to these XXXX Credit Agencies and told her that this erroneous information reported is the fault of Omni World Financial and must be corrected by them! I received pretty lousy service from the agent and she told me that it 's my responsibility to correct these errors and conversation ended! This is a serious matter and why do I have to spend my time and financial resources to correct a problem that is solely the fault of Omni World Financial and some clerk not paying attention neglecting to input the correct information into the Credit Reporting Agencies!

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2017 about Credit reporting () with Experian Information Solutions Inc. (NV).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I am a homeless veteran who finally has a chance to buy a home and since XX/XX/2016 we have been establishing credit card payments, with major card carriers to help establish credit. The XXXX bureaus have NEVER reported any positive credit, now since rates went up it will cost us XXXX of {$1000.00} in interest payments or home ownership altogether. It has also come to my attention that they do this practice mainly on middle to lower income American 's to force higher interest rates.

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 05-09-2017 about Debt collection (Mortgage debt) with OCWEN LOAN SERVICING LLC (NY).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Ocwen Servicing Company LLC   XXXX   XXXX   XXXX   ...   XXXX   XXXX   XXXX   Florida ZIP code   XXXX   XXXX   XXXX   ... has been sending numerous bills claiming to be the servicer for our mortgage ... we have never received any notice from Ocwen we never did any business with Ocwen we have no contract with Ocwen ... they send numerous applications for a new loan ... some of the applications already have loan numbers on it ... their representatives have submitted false documents to the court ie.affadavits ... in support of   XXXX   XXXX   XXXX   companies foreclosure claims ... we have never even done business with   XXXX   XXXX   in any shape form or fashion ... on   XXXX   XXXX   XXXX   XXXX   we were told buy the   XXXX   XXXX   XXXX   that the case will be put on hold as requested by   XXXX   XXXX   pending investigation by the CFPB. Feel free to use our case in any way you like.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2016 about Debt collection (Medical) with Computer Credit, Inc. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I visited XXXX Hospital as a result of a XXXX accident on XXXX/XXXX/16. I indicated on my admission papers that my visit was a result of a XXXX accident. I received a bill dated XXXX/XXXX/16 from XXXX Hospital indicating that I owed {$40.00}. I spoke with a manger XXXX on XXXX who assured that the claim would be processed through no-fault. I also corrected my address which had also been done at the time of my hospital visit. He denied my request to memorizlie our conversation in writing. 

I then received a collection notice from Computer Credit , Inc. dated XXXX/XXXX/16. I called and spoke to XXXX on XXXX/XXXX/16. She advised that there was a note indicating my XXXX/XXXX/16 call but it did not indicate the nature of the call. She assured that this time the payment from my private insurance would be reversed and put through no-fault, but she too advised she could not put anything in writing. However, at my request she advised a manager would call me back within the week. I never received a call. 

I then got another collection notice from Computer Credit , Inc. dated XXXX/XXXX/16 claiming I still owe this debt. 

I sent a formal letter memorializing this entire process dated XXXX XXXX, 2016 with attachments, which was copied to this office.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2017 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (MO).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have been disputing Midland Credit Management aka Midland Funding LLC since XX/XX/XXXX/ XX/XX/XXXX of this year. I utilized XXXX and seen that I initially had ( 1 ) collection item listed from this company. I immediately took action disputing the validity of this account, asking for verification, and proof that they attempted to contact me prior. The company never provided any documentation and then proceeded to send me threatening letters stating that they would seek legal action. I received another correspondence stating that I personally spoke with them on the phone and spoke with their legal dept, I asked for proof of those conversations and I never received it. Prior to me disputing this account, I have never had any contact with Midland Funding and Midland Funding has never reached out to me.
Most recently, I check my credit again and Midland Funding has added another unverified debt on my credit file. I am beyond outraged that this company continues to violate my consumer rights and also damage my credit. I do not owe any debts to Midland or any outside vendors that they may have. To add insult to injury, when the second account was placed on my credit file, I never received any documents or notification for validation for that alleged account. Midland Funding has been the topic and center point for numerous class action lawsuits and settlements due to their illegal practices. This company is attempting to swindle monies from me and I will not actively participate in their activities. Every time that I dispute an account that is not mine, Midland begins to send me stressful threatening letters demanding payment or I will suffer legal action. Midland also present these letters in a manner as if they have been communicating with me on a regular basis. This is not the case and completely false representation on Midland 's part. I want both of these erroneous accounts deleted from my credit file immediately and for Midland to do their due diligence prior to ruining unsuspecting consumers ' credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/27/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (GA).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: On XX/XX/2017 my wife went into lowes with my lowes credit card while I was at work and tried to get wood to board up a window.  The window had some glass break and the cold outside makes it hard to warm the house with the window like this.  So she went to lowes to put the wood on the XXXX card.  The lowes card was not working.  She called me about it so I checked he website and my card had been closed despite the fact that I had a XXXX balance and had paid Lowes thousands of dollars back in XXXX  to pay the balance off.  I never received a notice from Lowes of this change and when I called I was told I could reapply but they assured me I would not qualify because my credit has slid slightly since I was approved.  I called my wife to relay what I had learned and she left the store in tears.  I tried multiple outlets to reach lowes and get a resolution but all I keep getting is "call this number" and it's the number I already called to begin with after checking my account online.

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 11/14/2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Account opening, closing, or management

Complaint: In XXXX of 2015, I contacted XXXX XXXX for tech support on my XXXX XXXX XXXX, over the phone. The representative that answered the phone told me that. XXXX XXXX XXXX and transferred all their customers to them. I did n't question the rep because they answered the XXXX Customer Service help desk ; I was unaware that they had hacked into XXXX phone line. The rep sold me a 5 yr contract for tech support that day. It was a phone transaction. They said they would send a contract via email. They charged my credit card with Bank of America Visa Account number # XXXX. I called XXXX XXXX support for an annual update and servicing and was told that XXXX had shut down. When informed of the closed business, I checked XXXX and found the attached website, where the attorney general in Washington State had sued XXXX for fraud. Bank of America has not refunded the {$370.00} to my Visa Card. Name on Account : XXXX XXXX. Please investigate this to see why a consumer can not be refunded in the case of FRAUD. Thank you. My phone number XXXX in Virginia Thank you for help.

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 11/17/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Closing/Cancelling account

Complaint: This is a complaint about Capital One 's unconscionable practice of closing accounts when there are outstanding rewards and telling the card holder that their rewards are forfeited. On XXXX XXXX, 2016, I received a letter from Capital One closing my GM credit card account because they " observed activity on a past or present Capital One account that is not consistent with our expectations of usage for personal, family or household purposes '' Cardholders received 5 % of annual purchases up to {$500.00} annually as a reduction toward the cost of a GM car for up to 5 or 7 years. At the time of the cancellation, I had a balance of {$1000.00}. 
Capital One refused to provide any further information as to why my account was closed and advised me that my balance was forfeited. I spent many hours with Capital One and had many phone calls with representatives who were essentially robots. They would not provide any information other than what was in the letter and telling me that I had forfeited my rewards. 
I subsequently learned from GM that my card was cancelled while in good standing and they would honor my rewards for 90 days. In other words unless I bought a car within 90 days I had lost my rewards that I had in good faith amassed over the last two years. 
I have held this card for more than 20 years and believe this is a fraudulent practice. Capital One promised to provide me the agreement showing that they can do this, a copy of the letter and a copy of my last statement which I misplaced. This was about a month ago and they have not fulfilled their promise. In other words, contacting Capital One is like banging your head against a wall. 
Capital One should be sanctioned by fine or by other means for this clearly unconscionable practice. Pressure through formal action or otherwise should be placed upon Capital One to stop this practice.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (PA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I took out XXXX Parent Plus loans for my daughter back in XX/XX/XXXX. Over the years payments have been made regularly and I am currently up to date. I sought to renegotiate the terms of these loans because I am now older and can not afford to handle the repayment costs that are about to escalate on XX/XX/XXXX. I am currently paying XXXX for 18 months on XXXX loan, which will drastically jump to XXXX on XX/XX/XXXX. The XXXX loan is at XXXX for 17 months, then it will jump to XXXX on XX/XX/XXXX. This was the only option that Navient Loans would give me. I recently read about a lawsuit about this organization making it hard for people to repay such loans and as a parent who helped his child to have a college education, I will not be able to handle this increase next year. From XXXX per month to XXXX per month for 6 years. I was given no other option but to call back in XX/XX/XXXX to try to get it lowered. I am trying to be proactive and receive help and guidance. Thank you.

Company response to consumer: Closed with explanation