milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/14/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with UNITED SERVICES AUTOMOBILE ASSOCIATION (MI).
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint: On   XX/XX/XXXX ,  I applied for a USAA  Limitless Cashback Rewards Visa Signature  credit card. The application was declined, with the following reason provided :  Maximum  credit extended. I inquired to USAA if I could be approved for the card by reallocating a portion of the credit limit on an existing USAA credit card to the new one. USAA responded that it would be possible to lower the credit limit on the existing card and reapply for the new card. I agreed to have the credit limit on my existing card lowered by {$6000.00} on the condition that the application for the new card be reconsidered, so that a second hard inquiry on my credit report would not result. USAA proceeded to lower the credit limit on my existing card by {$6000.00}, but informed me that a new application would be required for the new cardwhich would result in a second hard inquiry to my credit report. I would have expected that USAA would have confirmed if a new application was required before taking the action to lower the credit limit on my existing card, and was surprised by the poor interpretation and communication about the original request. When I informed USAA that I did not want to proceed with a new application on the basis of it causing a second hard inquiry, USAA refused to reinstate the {$6000.00} credit limit on my existing card.  <P/> While I appreciate that USAA took the time to consider a rather unusual request to reallocate a portion of my existing credit limit, I made it very clear that I did not want to incur a second hard inquiry on my credit report while attempting to be approved for the new card. As Im sure USAA is aware, a hard inquiry negatively affects ones  credit score.  I did not want this exchange to leave me  with two h ard inquiries on my credit re port ( one was a lready pulled with the initial application ). Furthermore, since the basis for the decision of the initial application appears to have been made based on a USAA policy ( maximum credit extended ) rather than my creditworthiness, I see no reason for USAA to have required a second hard inquiry to reconsider the application after the reduction of the credit limit of my existing card.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-01-2017 about Debt collection (I do not know) with Med-1 Solutions, LLC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have been receiving at least one sometimes two calls a day from a company called Rev One Solutions. They have changed their number from a local area to XXXX. They continuously call. Sometimes it 's a real person but mostly a robo call with a prerecorded message. I told the woman who I spoke to NOT to call again. The latest phone call I received was at XXXX this morning ( XX/XX/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 03-04-2016 about Debt collection (I do not know) with Advance America, Cash Advance Centers, Inc. (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: He identified himself as a lawyer from XXXX, XXXX XXXX XXXX. & said his call was in reference to a summons I would be receiving at my door today or tomorrow. He told me my case number was XXXX. He said I owed Advance America {$310.00} but I never had a loan with Advance America. The payment arrangement he would make today was {$180.00} to consider the case closed or XXXX payments of {$110.00}. 
I told him this call sounded like a scam & he said if I did n't pay I would be going to jail & he would ruin my credit.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2016 about Mortgage (Other mortgage) with Supreme Lending (GA).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX XXXX ( XXXX XXXX ; XXXX, TX ; DBA Supreme Lending ) owns mortgage and buyer escrows funds for property taxes ; however, lender did not pay 2014 city and county property taxes on time. Result is XXXX XXXX tax liens in my name, public records of liens, and record of tax liens on my credit report. 
I am not the homeowner who has an account with the lender. I sold the property to their customer. I paid my portion of property taxes at closing and had no legal obligation to ensure taxes were paid. However, due to county process, my name was still on record as homeowner. I learned of late payments because I coincidentally ran a credit report.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Navient put all of my loans into forbearance even after approving my income-based repayment plan. They are claiming I authorized this forbearance in XXXX 2014 in a phone call on XXXX XXXX, 2014 at XXXX XXXX and that they will not provide me with the recording of this phone call without a " court order. '' I would like to call into question this forbearance and hear this recording.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2015 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: this began when XXXX told me the only way they could modify my mortgage was for me to be behind on my pymnts. This was back in XXXX. The loan person said that if I would miss XXXX payments, then I could apply for a modification, and they would then be able to help me.. But as long as I was current, they could not modify my loan. So, i missed the XXXX payments they told me to, and applied for the modification. I did everything they told me to do,, The paperwork was incredible,, and I have submitted XXXX times,, re- submitted,, re-supplied " lost documents '' to them,, they have given me nothing but a complete run around. Now, as of XXXX XXXX, they transferred me to SPS..I was assured by SPS that they would get the modification done quickly and effectively,, and they apologized about what XXXX had put us through,. Ok, It is no different with SPS.. they have asked over and over again for the same documentation,, and I have provided it. The only thing I can say is that SPS allows me to submit via e mail,, and that helps a lot,, it also gives me proof that they received the documents. It is much better than faxing over and over again. So, the amount of money they say I am behind is incorrect. The payment when it was with XXXX was figured wrong for about XXXX months, becuase XXXX messed up my escrow analysis. XXXX wrote me in XXXX of XXXX telling me finally, that they had messed up my payment amt,, and that I was correct, and that my payment was not {$1500.00} per mo,, but it was {$1000.00} per mo,, then,, they transferred it to SPS,, and sps is using the incorrect amt of {$1500.00} too.. Even thought hey can clearly see my statements from XXXX,,, and even the sps statements show the XXXX amt.. ok,, it has now been XXXX months with no modification. PLease help me.. This has ruined my credit,, I was at a XXXX credit score when this began,, the hardship lasted XXXX year,, we can make normal payments,, my credit score has gone down to XXXX because of this XXXX.. and clear violation of my rights. They are running rough-shod all over me,, and no one will listen.. We are good people.. I am not leaving my home,, my mom XXXX in this house,, I raised my XXXX boys in our house,, I just want a modification.. Now, they say that they need XXXX more months of bank statements. that the last batch I sent them, the underwriters could not decipher the income on the deposits.. even thought the deposit amounts match the XXXX income statements exactly. We are XXXX employed, ,have been for XXXX years.. have good income,, all our tax returns are in order, ,they have them all,, This is our primary home,, I am begging for you to help me, XXXX My files on XXXX and SPS are over XXXX " thick XXXX. I have kept all correspondence.. they have not filed foreclosure ... .they are asking me if we have a copy of the note,, they can not find it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2018 about Credit card or prepaid card (General-purpose prepaid card) with AMERICAN EXPRESS COMPANY (DC).
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint: American Express Serve has repeatedly placed all refunds on a review hold for review. I called them regarding this and they stated that its policy that is done to protect the customer. I find this to be outrageous. I purchased something then returned it, now you hold my money. No other credit card company does this. Once a return comes into your account its to be available to the account. 
I have included the transaction that is in question Transaction in question : XX/XX/ Merchant Credit Hold for Review - XXXX XXXX XXXX PROCESSING - {$31.00} Completed Transactions XX/XX/2018 Store Return XXXX XXXX XXXX + {$31.00} Original transaction Store Purchase XXXX   XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, VA SHOPPING Edit - {$36.00} XX/XX/2018 Transaction ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2015 about Credit reporting () with Innovis (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Ive been writing and mailing INNOVIS to remove erroneous information off my credit report, however, they are refusing to properly investigate my proof and correct the information.

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with PORTFOLIO RECOVERY ASSOCIATES INC (NE).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: On XX/XX/2017 pursuant of the FDCPA, I requested validation of a debt that Portfolio Recovery Associates is attempting to collect. The company failed to respond and they have continued their collection efforts. 
The reason I requested validation of this debt is because I am not even certain who the vendor is that managed the XXXX BANK account. XXXX BANK offers credit products for many companies and the name on my report is very vague.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2015 about Debt collection (Medical) with Monterey Financial Services LLC (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The agency continues to attempt to collect a debt that is not mines. I have not cosigned for any loan and had a fraud alert on my credit for the past two years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2018 about Debt collection (Other debt) with JTM Capital Management, LLC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I have been a victim of identity theft and have made contact with this company in trying to resolved this matter. I have sent it many request for this collection to be removed from my credit and have just be either hung up the phone or direct me to somebody else.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2017 about Debt collection (Medical) with Midwest Recovery Systems (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: On Saturday, XX/XX/2017 at XXXX a.m., I checked my credit score as a regular action as I frequently do. I was proudly checking to see if since I have made a year of perfect payments as of XX/XX/2017 on my very first auto loan, if any thing positive point-wise happened. I have worked very hard to keep my payments on time, on top of setting up payment arrangents for at-fault debts. Upon opening my XXXX app on my cell phone, I noticed that my score instead of increasing, has actually dropped by XXXX points. I was very confused and scrolled down to see why ; only to find that I was charged a single ( I believe ) defaulted medical payment for XXXX $ from an agency called Midwest Recovery Systems. It immediately raised an eyebrow as I have NOT been contacted by this agency prior to it just being thrown to my credit report, on top of which was the most concerning is I have n't even had so much as maybe one doctor 's visit in the past year! And I was very diligent prior to the dr. visit of checking my insurance because I did n't have the funds for out of pocket expenses.I did some searching online to find that not only myself have experienced this issue with this " company, '' but numerous reports - ( XXXX Reports noted by the XXXX as of this day ... which inidicates the number of consumers that have been negatively/wrongly affected ) - There are reports I have read from even the beginning of THIS month ranging from the same amount as mine all the way to nearly XXXX XXXX This company is fraudulent and they are hurting innocent people and causing a lot of time consuming headaches. I have, prior to this submission of a formal complaint through CFPB reported the fraudulent charge to XXXX who has already deleted the " account '' from my report in less than a day. This is shameful for someone to actively target people for no reason.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: In order to provide you with the proof that the account numbers do not reflect my ownership to them appearing on my credit report, I have looked into the issue with the Federal Trade Commission. They guided me to this letter on their opinion on the issue. These account numbers belong to another person or an imposter using my name to obtain credit information. It is also noted in my investigation that by sending me account statements from the creditor dignifies ownership. I have a letter from the FTC attached to attest to this. These are the accounts that are not reported accurately due to the fact they do not express the full account numbers and the y MUST b e removed immediately to avoid litigation :  1.    XXXX   XXXX   XXXX   XXXX   XXXX    2.    XXXX   XXXX  3.  XXXX   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 03-06-2016 about Credit reporting () with Experian Information Solutions Inc. (UT).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Experian, who has established themselves as the basis for FICO scores, has gone from reporting erroneous information to not giving my credit or FICO score to potential lenders. I am trying to get a home loan and the disgraceful behavior of Experian has repeatedly prevented me from doing so. 

Making matters worse, despite the fact they provided NOTHING, they have still dinged my credit with the hard inquiries to which they did not respond.

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 07/30/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with PAYPAL HOLDINGS INC. (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XXXX XXXX, 2015 my Paypal account was charged {$29.00} by a company called XXXX. I have spoken to both XXXX and Paypal concerning the charges. After neither XXXX or Paypal could tell me exactly what the charges were for, I reported the items as fraud to Paypal. I received a letter today from Paypal claiming the charges are legitimate -- So I called them again and they are still unable to verify exactly what it is that I have been charged for. Thus, I think there " debt '' collection practices deserve a little scrutiny. Charging people for unknown items they clearly did not receive would appear to be an illegal practice. Any assistance you can provide would be greatly appreciated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06-02-2016 about Debt collection (I do not know) with ALCHRO INC. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have asked First Federal Credit & Collections to validate a collection they are reporting on my credit reports on XXXX/XXXX/15 and XXXX/XXXX/15 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company response to consumer: Untimely response
Consumer complaint received 02/21/2018 about Debt collection (Other debt) with Convergent Resources, Inc. (NV).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I never received no letter no bill saying that this is my account. I dont know why its showing up on XXXX and on three credit reports. Its not my 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 explanation
Consumer complaint received 10/27/2016 about Mortgage (Home equity loan or line of credit) with Ditech Financial LLC (VA).
Issue: Loan modification,collection,foreclosure

Complaint: We are exhausted after several months try to work in a reasonable agreement with DITECH Mortgage ( former Greentree ) this company has been delaying, rejecting, postponing and unreasonable denied any chance to review our request for a loan modification initiated at the beginning of this year and submitted using all ways possible phone, fax, mail, email, servicer website, hope loan port, senator warner and more, and nothing, nothing happened besides DITECH letter stating that they will close my case for no documentation!!!!! 
My housing counselor was struggled and frustrated dealing with this company they are acting just as a collection agency with total disrespect for the good faith of client, consumers and same government. Please help me with my case

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: Dear Sirs ; I recently called XXXX XXXX to discuss removal of the 30 day late that was reported on my credit that I was unaware of and was asked to put it in writing and send for their consideration, which they quickly declined. 

The issue is, I was not aware the auto-pay payment had not been processed til I received a alert from my credit tracker advising of the 30 day late. Note that I was not notified at all by XXXX XXXX until after they reported the 30 day late. 

I even called the automated system and it said my next payment was due in XXXX. I could have easily taken care of this immediately had someone let me know sooner. 

I asked them to grant me the courtesy of removing this late from the credit bureaus as it is causing me much stress as it has negatively affected my credit rating. I always pay on time, and have this on autopay since I first got this loan so I could set it up to pay automatically to ensure things get paid on time and am very disappointed this happened despite being on automatic. 

Thank you for your consideration, I do hope you are able to help me. 

Blessings to you & thank you

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