milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-06-2016 about Debt collection (I do not know) with ERC (AK).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: ENHANCED RECOVERY CO ACCOUNT NUMBERs : XXXX XXXX XX/XX/XXXX XXXX, XXXX, FL XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you ENHANCED RECOVERY CO or any company associate with this account # XXXX XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to XXXX of XXXX. It explains your responsibilities under the Fair Credit Reporting Act XXXX FCRA XXXX. The FCRA requires that debt XXXX give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : ENHANCED RECOVERY CO or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX XXXX SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX, XXXX, AK XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 06/22/2016 about Debt collection (Credit card) with Convergent Resources, Inc. (OK).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: The bank opened an account for someone other then me without obtaining my signature or iidentification card which resulted in an account being opened for someone other then md

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX was suppose to remove over XXXX inquiries from my credit report. Instead they added over XXXX inquiries to my report that are unknown, and should n't appear. Specifically. Equifax mortgage with dates XXXX, XXXX/XXXX/XXXX. XXXX. Universal credit with dates of XXXX. XXXX XXXX was n't given permission to run my credit on XXXX/XXXX/XXXX. XXXX XXXX for on XXXX/XXXX/XXXX unknown. XXXX on XXXX/XXXX/XXXX unknown. XXXX on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and on XXXX/XXXX/XXXX was n't given permission to run my credit. XXXX was n't given permission on XXXX/XXXX/XXXX. 

These inquiries appear on all three bureaus : XXXX, Equifax, and XXXX. 

Please have these unauthorized inquiries removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2015 about Debt collection (Credit card) with Financial Credit Service, Inc. (NY).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: Assett Recovery Associates attempted to impersonate government official-also threats made to take all my assets, wages, house property and to file felony criminal charges. illegal questions about social security number and income questions.

Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2015 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (TX).
Issue: Loan modification,collection,foreclosure

Complaint: I am currently in the process of purchasing a home XXXX. My credit report is showing foreclosed mortgage from PNC that they erroneously recorded with the credit bureaus. Instead of the actual recording as per the deed of trust filed in the XXXX circuit in XX/XX/XXXX - PNC is reporting a late filed date to the credit bureaus of XX/XX/XXXX 

Kindly assist to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (KY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Contacted company but no answers. This same creditor pulled credit check on two dates. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Dates :XX/XX/XXXXXX/XX/XXXX I do not recognize this company and have no knowledge of giving  permission to pull my credit.

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 08/14/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: For starters this is not my debt I never was present or signed any paper work and I have provided this information to XXXX XXXX and they continue their aggressive collection practices XXXX XXXX, Purchase this debt from XXXX / XXXX in 2011 they deleted after 7 years of no activity, so XXXX has by law no right to continue to report XXXX XXXX and Experian are in violation of the fair credit act

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 02-04-2017 about Debt collection (Medical) with The CMI Group, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I HAVE A DEBT ON MY CREDIT REPORT FROM CREDIT MANGEMENT FOR XXXX STATING FROM XX/XX/2010 ON BEHALF OF XXXX. I CALLED CREDIT MANAGEMENT, THEY STATED THAT I DID N'T HAVE ANYTHING IN THEIR SYSTEM FOR THAT CREDITOR OR THAT AMOUNT FOR ME, YET THEY WILL NOT REMOVE IT. FROM MY XXXX CREDIT REPORT

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 07/30/2017 about Checking or savings account (Checking account) with U.S. BANCORP (TX).
Issue: Closing an account
Sub-issue: Can't close your account

Complaint: Summitted payoff to a financial institution. The action was accepted than reversed. Asked the reasoning for their decision. Was told that they did not accept ACH payments, yet I have been making ACH payments to them the last three payments. Legal advice is going to be thought out because how can a financial institution say that it is ok to accept payments from one financial institution but not another. A financial institution can not be discriminatory in which financial institution it can or can not accept payments from.

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 06/23/2016 about Debt collection (I do not know) with Alpha Recovery Corp (OR).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Good Afternoon, I am filing a complaint on Alpha Recover Corp for contacting me illegally pertaining to my siblings debt. They called me this afternoon, at work, telling me that it would be in my siblings best interest if I provided them information of where my sibling was. They have been contacting my sibling so they already had my siblings information. I then asked followup questions and they provided me their companies name ( https : //www.alpharecoverycorp.com/ ). It 's clear from their website that they are a debt collection agency. 

My main complaint is a concern of how they received my personal cell phone number. It is unclear how they got it and I 'm deeply concerned of how they are obtaining other family members information. I confirmed with my parents that they were also called. So they are working down some sort of a list that they did not get permission to have from the actual individual being contacted. 

Debt collectors have legal requirements to meet and after reviewing I believe that this company is acting outside of those bounds.

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 10/17/2016 about Mortgage (Conventional fixed mortgage) with QUICKEN LOANS, INC. (PA).
Issue: Credit decision / Underwriting

Complaint: I recently applied for a second home mortgage and was conditionally approved and 4 weeks prior to settlement I Informed that since I already have an investment property XXXX of a mile away, I was forced to take the investment loan which at the current rate I locked into would have cost me an additional {$4800.00}. I was told that since I have a a history of investment properties all documented on my tax return, I am not allowed to have a second home. I just sold my primary residence for the only reason to obtain a second home at the shore for my family. 
I do not even have a second home or primary at the moment. My goal was to secure this mortgage as a primary or secondary residence. 

I feel that based on my age of XXXX and Origin of the other property, I was discriminated against.

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2017 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: FRAUDULENT INQUIRES WERE INITIATED ON MY CREDIT FILE. A FRAUDULENT INQUIRY FROM EQUIFAX MORTGAGE SERVICES & A FRAUDULENT INQUIRY FROM XXXX. REMOVE FRAUDULENT INQUIRIES FROM CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Billing disputes

Complaint: i rented a car with my credit card which has rental car insurance in XXXX 2015, in a supermarket parking lot some unknown person scraped the rear fender. the charges for repair came to {$300.00}. i filed a claim with the credit card co. I have filed all the infomation they have asked for XXXX, I have mailed the info and also faxed it to their claims dept. each time I have received a form letter asking for the same infomation that I have already sent them.I have spent many hours on the phone with them and each time getting told that a claims examiner will review my claim and get in touch with me, no one has ever called!!

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2016 about Consumer Loan (Vehicle lease) with NISSAN MOTOR ACCEPTANCE CORPORATION (PA).
Issue: Managing the loan or lease

Complaint: Grounded an Infiniti Lease XX/XX/XXXX early, though due back XX/XX/XXXX. Leased a Nissan this time around, XXXX XXXX ( Mgr-XXXX ) contacted Nissan-Infiniti to make sure I would be able to qualify for the " Pull-Ahead '' program. I did the same thing, not taking his word, to make sure and he also provided me with the terms of that " Pull-Ahead '' Early Lease Turn-In, prior to finalizing the new Nissan Lease. After calling Nissan-Infiniti Lease/Finance Customer Care multiple times to verify this would not be an issue turning in an Infiniti to lease a new Nissan, and was informed that I did in fact qualify. XX/XX/XXXX, called again to confirm and verify after getting another letter about non-payment of last lease payment, oddly I 've been paying impeccably on time. Why would I refuse to pay my last payment and lease a new Nissan, almost 3-4 weeks ahead of it due date, I could have kept my lease, paid this last payment and leased the Nissan XX/XX/XXXX. Now XXXX the Loss Recovery at Infiniti tells me its my fault, I figured this is how they ( Infiniti-Nissan ) would operate after the fact. Someone ( s ), was grossly negligent in providing inaccurate information or XXXX failed to properly provide it 's customer service reps with the adequate training and information to provide customers with the right information. Now someone wants to claim stake, that an Infiniti lease end program gave alternative dates. LIE. I was negotiating multiple Infiniti dealers for favorable lease terms from XXXX, XXXX, XXXX, XXXX and none of them mentioned anything about a Lease End Pull Ahead Program or such dates about XX/XX/XXXX-XX/XX/XXXX. Why is it that they do n't even know, did n't know, including Nissan dealers from XXXX, XXXX, XXXX, XXXX who also did n't know about this Pull Ahead program? I even pulled my credit at multiple Nissan Stores, and they had n't heard of such a program. I think Infiniti-Nissan discrimates on who and when to use this selective " Pull-Ahead '' program for its Infiniti or Nissan customers, if their dealers do n't even know they had such a program, and XXXX XXXX happened to stumble on it. I have a XXXX XXXX XXXX XXXX, collections letter claiming {$640.00}. I could have paid it instead of leasing a new Nissan, all someone had to do was say that I DID NOT QUALIFY, and I would have used a perfectly fine Infiniti until XX/XX/XXXX, I had no rush to part with my luxury Infinity and lease a substandard Nissan, when I was in the zone of the lease end/lease turn-in period. Information crucial, and I am beyond certain that Infiniti-Nissan failed to properly communicate such promotion or program to its dealers, and its returning customers, then later falsifying that lease customers did or did not qualify and charge them with the last XXXX payments, as the program specifically only allowed up to the last XXXX payments waived.

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (NE).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I signed up for a 30 day trial period with XXXX XXXX. I cancelled the service within the allotted 30 days and was told it was cancelled but kept receiving emails and bills in the mail that I had to pay them. I returned the equipment via XXXX label provided by them to the address of XXXX XXXX XXXX XXXX ; XXXX CO XXXX. But the package was lost. I submitted a lost package claim to XXXX who sent a check to XXXX in the amount of {$100.00} backy in XXXX 2014. I 'm now getting collection notices from AFNI ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX IL XXXX. I called the company on XXXX XXXX to tell them that I do not owe a balance but they are telling me that XXXX XXXX paid XXXX because I bundled. I called XXXX and they are not showing any duplicate payments in 2014 made from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2016 about Bank account or service (Savings account) with CITIBANK, N.A. (OK).
Issue: Account opening, closing, or management

Complaint: I would like to file a claim regarding my Citibank Saving 's promotion. I logged into my account and saw this promotion in XXXX. Then I clicked the link in the promotion to enroll. I also called the phone number provided in the promotion, and sent a secure message to Citi customer team to confirm. Both service representatives confirmed that I successfully enrolled into this promotion, and I should receive the bonus after I completed the requirements. As stated in the terms, this promotion is valid for my existing Citibank Saving account. 

Here are the terms for the promotion offer I enrolled : The cash bonus will be credited to your new or existing Citibank ( R ) Savings Plus Account within 90 calendar days from the date when you completed all offer requirements. To qualify for a cash bonus offer, you must first enroll by clicking " Enroll now '', visiting a branch and asking a Citibank Representative, or by speaking with a Citibank Representative through CitiPhone Banking ( R ) by XXXX/XXXX/16. You must make a minimum deposit of {$25000.00} in new-to-Citibank funds into a new or existing Citibank Savings Plus Account betw een XXXX/XXXX/16 and XXXX/XXXX/16. New -to-Citibank funds are funds that are not currently held at Citibank or an affiliate of Citibank . Cash bonuses are tiered and qualifying deposit amounts range from {$25000.00} up to more than {$250000.00}. The amount of your cash bonus depends upon the amount of your qualifying deposit. The qualifying deposit tiers are : $ XXXX {$49000.00} earns a {$300.00} bonus ; $ XXXX {$99000.00} earns a {$400.00} bonus ; $ XXXX {$240000.00} earns a {$500.00} bonus and {$250000.00} and more earns a {$700.00} bonus. The qualifying deposit must be maintained in the Citibank Savings Plus Account until XXXX/XXXX/16. 

I funded my Citi Saving account with deposit of {$25000.00} in new -to-Citibank money in XXXX and maintained the amount until XXXX, which met the requirements for the {$300.00} bonus in the promotion terms. However, Citibank refuse to give me the bonus stated in the promotion. I contacted Citibank and they conducted a investigation for my case. The result letter of the investigation said that they can not find the promotion in my account. As stated before, I clicked the link in the promotion page to enroll. I also called the phone number provided in the promotion, and sent a secure message to Citi customer team to confirm that I have successfully enrolled into this promotion. I have taken a screenshot of the promotion, and saved all the communications with Citi customer service representatives as my record.

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
Consumer complaint received 10/19/2017 about Debt collection (Other debt) with CCS Financial Services, Inc. (HI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: My former insurance company was XXXX. I sold my vehicle in XXXX, 2017, before relocation to Hawaii and notified my own agent that I would no  longer be driving, therefore I would not need to have a policy. All the paper work involved with virtually everything in my life has yet to arrive in transit from the mainland to XXXX. Thank you for understanding

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Debt collection (Other debt) with ERC (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have had this same issue in the past with the original creditor  XXXX  and the collection agencies. This account has been closed and deleted from my credit report when I first disputed it with ERC, copy of letter and response is attached, and once again now this new collection agency,  XXXX .  XXXX   XXXX , is claiming I owe them without even mailing me anything through the  XXXX  Mail or calling me on my phone. How is it that they are reporting to my credit reports a negative account that has been closed? I want them to delete this immediately from my credit report if  XXXX .  XXXX   XXXX  can not verify this alleged account ac cording to the Fair Debt Collections Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2018 about Payday loan, title loan, or personal loan (Personal line of credit) with Enova International, Inc. (CA).
Issue: Charged fees or interest you didn't expect

Complaint: On XX/XX/2017, I clicked an online offer from XXXX. I applied for the personal loan and didn't realize that the interest rate was predatory in nature and that it is all front-end loaded. I made payments on a semi-monthly basis for three months in the amount of {$250.00} ea payment for a total of {$1700.00}. Yet, my principal was only credited by {$84.00}. 

My complaint is that the lender should allow my payment to lower the interest and principal proportionately during the months that I paid. By charging me predatory interest rate and only allowing my payments to pay for interest and not paying down the principal placed undue pressure on me to payoff the loan. XXXX should pay me back the principal that would otherwise be paid. 

My account number is XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2015 about Mortgage (Other mortgage) with CITIBANK, N.A. (OH).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage company city mortgage would rather foreclose on me then except my monthly payments. I 've been fighting with my mortgage company for two years or more. I believe this is predatory lending and fraud. I went through a modification I signed off on the modification and they still foreclosed on me.

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2015 about Student loan (Non-federal student loan) with TRANSWORLD SYSTEMS INC (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I worked out a settlement with XXXX and Transworld Systems. We were told by representative XXXX XXXX that we could receive a settlement letter dated for XX/XX/XXXX which gave us the time we needed to transfer settlement funds from a retirement account. However, the settlement letter stated the due date of XX/XX/XXXX. When our representative called back in and spoke with team leader XXXX XXXX, she said that the payment could not arrive on XX/XX/XXXX and had to be there on XX/XX/XXXX - a complete contradiction to what we were previously told and planned for. We then offered to have the letter driven to the overnight mail location, and XXXX XXXX said that this may not be possible. We do n't understand why it 's not possible to hand deliver the letter ourselves on XX/XX/XXXX if they went back on their promise of extending the due date to XX/XX/XXXX. When our representative tried to ask her for either a new letter dated XX/XX/XXXX or to be able to hand deliver it on XX/XX/XXXX, she laughed ; and then claimed she had no ability to send any letter and did not know how to coordinate a delivery in person. We 've done everything possible to meet Transworld System Inc 's demands, only to find that they send erroneous settlement letters and change their demands depending on who happens to answer the phone when our representative calls. We are filing this complaint because we want Transworld to honor the terms of the settlement that we agreed to and to facilitate either the delivery of the settlement payment in person on XX/XX/XXXX or to be able to get an extended letter for XX/XX/XXXX. XXXX XXXX 's response to the situation was unhelpful, insulting, and disrespectful given that we are doing everything possible to meet Transworld Inc 's demands after being promised the payment could arrive on XX/XX/XXXX by rep. XXXX XXXX.

Company response to consumer: Closed with explanation