milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-08-2017 about Debt collection (Medical) with Advanced Collection Bureau, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Your company have violated FCRA 615 ( f ) ( 15 U.S.C. XX/XX/XXXXm ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section XX/XX/XXXXc-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section XX/XX/XXXXc-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious ADVANCED COLLECTION BUREAU INC ACC # XXXX This account was reported to the consumerfinance.gov as a fraud account with a previous XXXX XXXX # XXXX it was removed from my credit report As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX XXXX XXXX I am requesting those documents as fallow 1-need a copy of your license to collect in my state ; and 2-Provide me with your license numbers and Registered Agent. 
3-investigation report XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2015 about Debt collection (Medical) with SCA Collections, Inc. (MT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This account has had several issues from the beginning. This account has been settled since 2013.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Debt collection (Medical) with CMRE Financial Services, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I received a XXXX from my XXXX XXXX on XX/XX/2016. The balance was paid in full, as I have confirmed with XXXX XXXX XXXX. I received a mailed notice from CMRE Financial Services attempting to collect a debt of {$200.00}. They would not provide me with any additional information about the debt accept that it was from a XXXX done on XX/XX/XXXX. I only received one XXXX at that time. I confirmed with XXXX XXXX XXXX that there is no remainder owed, additionally they confirmed that CMRE is not a company they use for debt collection.

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 09/22/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: The loan modification in questions was originally submitted to XXXX XXXX XXXX on XX/XX/XXXX. After its transfer to SPS, documentation was lost and had to send same information several times-all via email. 

There is currently a trial date scheduled and opposing counsel is giving us some resistance with continuation based on the pending loan modification. I have confirmed on XXXX different occasions that SPS has a facially complete loan modification-the latest occasion was XX/XX/XXXX. ( The remaining item that they requested on numerous occasions was originally confirmed received XX/XX/XXXX and was sent four times additionally since that time. ) We just ask that SPS please communicate with their counsel to indicate that it is facially complete to allow time for a decision on the loan modification.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2016 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX PA XXXX XXXX XXXX XXXX Was paid in full XXXX of 2015. Zero Balance. I called the XXXX XXXX XXXX, and they told me I was paid in full and the only way to have it removed from my credit report is to report it to the XXXX Credit Bureaus. I did and the account is still in collections on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-01-2016 about Credit card () with ALLY FINANCIAL INC. (PA).
Issue: Unsolicited issuance of credit card

Complaint: I have XXXX finance loans on my account for auto loans from XXXX XXXX that I never applied for or authorized. I never needed an auto loan because I purchased a used vehicle with cash. I have an inquiry from Ally Financial Inc that I never authorized. I have an inquiry from XXXX XXXX. I have an inquiry from XXXX XXXX that I did n't authorize. I have an inquiry from XXXX XXXX XXXX XXXX that I did n't authorize. I have an inquiry from XXXX XXXX XXXX that I never authorized. I have an inquiry from XXXX XXXX XXXX that I did n't authorize. I would like to dispute all the above names from these credit agencies as I did n't give any of them the permission to access my credit therefore putting these hard inquiries on my credit report which will damage 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 explanation
Consumer complaint received 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: XXXX/XXXX/XXXX Using information provided by Federal Trade Commission XXXX XXXX XXXX, I tried to obtain my FREE Annual Credit Report from TransUnion. After completing the requested/required information I received " System Error '', " We are experiencing technical difficulties.... ". Then a screen popped up " Thank You! Mark your calendar, so you remember to come back in 12 months! '' With all the problems with hacking in the world today, I would think that someone wanting to make sure that their credit was n't being ruined could expect more than this. 

Is this also a scam, is there really a breach at XXXX, or are the " Credit People '' just trying to put another scare into law biding citizens and trying to get more money out of them by getting them to purchase XXXX XXXX, XXXX XXXX, etc. programs.

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 05-12-2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (MD).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Hello CFPB, On   XXXX   XXXX   XXXX   I sent a request for validation to  Port  folio Recovery regard ing a collection account that they are reporting on my credit reports for an amount of {$1100.00}. Since sending the validation request I have not received a response or the requested information in my request to  Portfolio Recovery . On   XXXX   XXXX   XXXX     I tried using my debit card the transaction was not able to go through. I called my financial institution and was advised the transaction did not go through because a freeze was issued by  Portfolio Recovery . I spoke with  Portfolio Recovery ,  XXXX    XXXX   XXXX   XXXX     after receiving the information from the bank.  Portfolio Recovery  confirmed since the validation of debt came back in their favor they were able to issue a garnishment and freeze my bank account but, never sent me anything related to the validation and insisted that I make arrangements on the debt.   Portfolio Recovery has failed to comply with my validation request and has failed to comply with Fair Debt Collection Practices Act,  USC 1692g Sec. 809 (  b ). I am hoping that your organization is able to assist me with resolving this matter.  Portfolio Recovery  has violated my consumers rights. Their practices are deceptive and unethical.   Since  Portfolio Recovery  has not sent me proof of validation and continue to report and collect on this debt which illegal. The collection agency need to remove the derogatory collection account from my credit reports and cease their collection efforts against my bank account and with my employer.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (FL).
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint: I have XXXX accounts. I recently fell behind for the first time due to loss of income then loss of housing. Comenity Bank is relentlessly harassing me. On XXXX XXXX they called me XXXX times. ( They are calling under " Unknown. '' I answered XXXX of the calls verifying it was Comenity Bank XXXX. I advised them they 're not adhering to XXXX laws regarding debt collection. The woman then became irate and I just had to hang up the call.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (AZ).
Issue: Loan modification,collection,foreclosure

Complaint: We applied for a loan modification in XXXX 2015 and we were denied in XXXX 2015 for insufficient income. A reduction in the principle was not considered which would have qualified us with the income that was submitted. Home was foreclosed in XXXX 2015 and an income increase was submitted also in XXXX 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2015 about Consumer Loan (Installment loan) with SYNCHRONY FINANCIAL (ID).
Issue: Managing the loan or lease

Complaint: XX/XX/XXXX we purchased furniture from Ashley Furniture. The loan was with GE Capital, loan number XXXX.The payments were interest free for 3 years. The store salesman said to just set up a constant payment of XXXX and forget about it for three years. " What could be simpler '' .The payments were XXXX dollars a month. A few months into the loan they changed the payment to XXXX. I adjusted my payments. Then they changed the amount again, without my knowledge. I continued to pay XXXX but this became partial payments which allowed them to begin charging fees that grew and grew. When I discovered I would pay more than the payment and more than once a month trying to stop the growing of fees. I have n't been able to access the account because I have been without Internet. I am able to access the account now, the bank has changed from gogecapital.com. I searched my emails and found that they sent an email XX/XX/XXXX wanting XXXX, or they will charge off the account. I did not receive this email because I did not have access to the Internet.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My bills are only mailed every other month giving me consecutive " past due '' fees when I have never once signed up for paperless billing. I have spoken with representatives about this several times explaining I can only receive hard copy bills in the mail, because their online statements go directly into my spam folder. About once a year, they automatically switch me to online billing without my consent as well and refuse to cover my late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX I contacted XXXX XXXX and asked for a credit increase. I specifically stated I did not want hard pull done. I did not want the increase a hard Pull had to be done. They told me would not be a hard pull. It would be a internal pull. I was denied. I then requested to speak with a supervisor as to why I was denied the supervisor told me she would look into it and inquire. I told her that was ok as long as it did not result in any form of a inquiry on my credit report. The supervisor told me there was a exception for XXXX XXXX relief victims and because I was in Florida she could submit a request for me and that it would not be a hard pull/ inquiry on my credit report. I was a XXXX XXXX victim and needed assistance so I said yes. 
The Supervisor completely assured me that it would not be a hard pull. She advised me to call back the following day at XXXX to see if the additional {$500.00} XXXX relief was provided to me. I checked my credit report today and there is a hard pull dated XXXX on all 3 bureas and it has lowered my credit score. 

This hard pull credit check was done completely WITHOUT my consent or authorization. 
These calls are recorded and I want the recordings reviewed if necessary. 
I contacted XXXX XXXX XXXX and spoke with a supervisor about this matter and requested the call be removed and the hard inquiry removed from all 3 credit bureaus.

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 01/26/2016 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (MO).
Issue: Managing the loan or lease

Complaint: I was a co-signer with a son in law. Wells Fargo.on a car.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/30/2017 about Student loan (Private student loan) with PNC Bank N.A. (NJ).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: This complaint is about a private student loan I received back in XX/XX/2012 for PNC Bank for my first year of college. Unknown to my cosigner and I PNC had signed me up for a XXXX School Loan ( XXXX XXXX XXXX Loan Program ) despite the fact that this was my first year in college in an XXXX degree. 

The loan terms for this particular loan are vastly different then that of an XXXX loan. The main issue I have been having is that it was a 4.5 year max before the loan entered repayment. After which I entered my 6 month grace period and entered repayment in XX/XX/XXXX, right after I graduate. This loan has very few options for deferment or forbearance. Currently I can not claim economic hardship on the loan without first pay 12 months of the loan. After which I will only be granted 1-2 months of forbearance, and have to complete another 12 month payment cycle to get another period of forbearance. 

These loan terms are extremely ridiculous in general but are even worse since I was unknowingly forced into this loan my freshman year

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TN).
Issue: Credit line increase/decrease

Complaint: Capital One Credit Card has continuously denied my requests for a credit limit increase, even though I have great payment history with the card. I submitted a previous complaint last year ( XXXX ), after they denied my requests for 1.5 to 2 years. THe last denial reason I received was that my average monthly payment was too low, but my monthly payment has averaged $ XXXX/month. I typically send $ XXXX- {$100.00} a month to cover y payment. I feel Capital One is being misleading to its customers. I opened this account to help rebuild my credit, but if you do not allow limit increases, how is that possible?

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Mortgage (Home equity loan or line of credit) with Shellpoint Partners, LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I have a Home Equity Line of Credit which was extended by XXXX XXXX XXXX. XXXX XXXX XXXX collected my payments in behalf of XXXX. My loan was sold to XXXX Bank XXXX, as Trustee for XXXX Mortgage Loan XXXX ( XXXX Bank XXXX ) and my payments are being collected by Shellpoint Mortgage Servicing in behalf of XXXX Bank XXXX. The servicing was transferred from XXXX to Shellpoint in XXXX 2016. My loan is on automatic draft from my checking account. In XXXX Shellpoint drafted {$3000.00} when the payment should have been approximately {$2700.00}. In XXXX Shellpoint drafted {$2200.00} when it should have been approximately {$2700.00}. In XXXX they drafted {$1000.00} when it should have been approximately {$2700.00}. In XXXX they have scheduled a payment of {$700.00} when it should be approximately {$2700.00}. They are not collecting my payments as set out in my note. I have a great concern that they are going to draft a lump sum of approximately {$6500.00} to correct their error. I spoke with their representative who told me this is a " known problem '' and my loan should be " re-calibrated '' within XXXX to 6 months. 
Based on what they have collected, {$6900.00}, and what they should have collected, {$10000.00}, they will have to collect a lump sum payment of approximately {$3800.00} plus a regular payment of {$2700.00} which would result in drafting approximately {$6500.00} which will created a serious hardship for me. If this continues as it is now, the lump sum will be much higher. 
I am certainly not the only customer of Shellpoint that is going to have this problem. They should be sanctioned and fined for their unacceptable business practices and should not be allowed to draft more than what the correct payment should be going forward.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2016 about Debt collection (I do not know) with Stellar Recovery, Inc. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have continuously requested that the person they are trying to locate is not at my home phone number. I have no obligation, and I explain this. They promise to stop calling my phone number, but begin again within a matter of days. They are not updating their database.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CA).
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint: A XXXX XXXX XXXX XXXX notice was sent to me late last year ( the notice was undated ) declaring that my 8.49 % Chase freedom card interest rate would be raised to 13.49 % as of XX/XX/18. The notice gave the reason for this sudden increase, which I view as an illegal penalty increase that disregards my FICO score of XXXX and excellent payment history, as solely due to " my APRs are below the lowest APRs we currently offer on similar accounts. We also took into account your other Chase relationships when making this change. '' What does consistency with other products mean? The last vague and opportuniistic reference is particularly disconcerting as I have a long standing relationship with Chase, including my home mortgage and have refinanced my mortgage with them several times over the years. My unfavorable rate increase is based on vague, arbitrary standards and corporate favoritism, and amounts to price gouging! It is not based on my timely payment history, excellent FICO score or my risk to the lender - Chase Bank. The notice also declared that if I do not accept the new and much higher interst rate, my rejection will result in the closing of my account!

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have contact the bureaus repeatedly about the consumer and they have failed to contact me about the file reporting on my credit. I have no knowledge of this account XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXXe and 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 06-01-2015 about Mortgage (Conventional fixed mortgage) with Servis One, Inc. (RI).
Issue: Loan modification,collection,foreclosure

Complaint: BSI Financial denied a loan modification because they said I never sent the proper paperwork in. I sent all the proper paperwork to my attorney who then sent it to BSI. BSI is the servicer of the loan. XXXX XXXX was the original servicer and they denied me a loan modification XXXX different times

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AES/PHEAA (TX).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Loans were taken out from XX/XX/XXXX-XX/XX/XXXX Loans were consolidated in XX/XX/XXXX.  However, I am in Texas and based on the statue of limitation accounts should be removed after 4 years. While, I am aware that I am still responsible for payments. It is reporting incorrectly with credit bureau. This also goes for student loans also. Data reporting is incorrect.

Company response to consumer: Closed with explanation