milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/15/2015 about Debt collection (Credit card) with GEMINI CAPITAL GROUP, LLC (CO).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: They not only THREATENED to sue me on debt that is too old to be sued on, THEY IN FACT DID. Gemini Capital Group, LLC and their attorney XXXX XXXX ( XXXX, CO ) actively pursed a lawsuit against me on a debt they knew to be a Time-Barred Debt. The debt was a credit card account Gemini had purchased that was originally a credit card from XXXX XXXX XXXX. They completely disregarded the Federal and State Laws on debt collection practices, harassed me in XXXX County Court in Colorado, and attempted to even illegally obtain a judgement against me in XXXX County Court. I had to fight them for approx. a year against their illegal practices, and if I did n't, they were stampeding their way through the County Court in XXXX County Colorado with complete disregard of the FDCPA. In fact, they almost got away with obtaining a judgment against me, illegally so, except by shear happenstance of me learning of their activities within a XXXX Report I had acquired for other informational purposes. I was then forced to hire a lawyer to protect me from their pursuit of extorting monies from me for time-barred debt. They simply were n't going to back-off until they could bully me into paying monies that they were attempting to extort from me. They have a total disregard and cavalier attitude in regard to the FDCPA, and fully believe they can bully monies by their `` XXXX '' activities by misusing county courts to file lawsuits that are wrongful against consumers thinking they are above the law and can commit this criminal activity against naive consumers, out-lawyering consumers, and willfully and wantonly ignoring federal and state debt collection practice acts and laws that are in place to protect consumers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Midland Credit Management issued me a refund check in the amount of {$1000.00} on XXXX XXXX, 2015. This check was deposited by me on XXXX XXXX, 2015. However, this check was voided on XXXX XXXX, 2015 by Midland Credit Management because it was supposed to be issued to my father, XXXX XXXX, and not me because it was a refund to the individual who had paid the original amount to Midland Credit Management. I spoke with customer service on XXXX XXXX, 2015 and was told a refund check will be issued within four to six weeks to my father, XXXX XXXX, and will be mailed to his address within that time. However, it is now XXXX XXXX, 2015 and six weeks from XXXX XXXX would be XXXX XXXX. Further, I spoke to a customer service representative on XXXX XXXX, 2015 and was told that the refund was issued on XXXX XXXX, 2015 to the card that the original payment was made to Midland Credit. However, this card has since been closed and no further information from Midland has been provided. In addition, the customer service representative hung up on me after placing me on hold. 

This is the second complaint I have initiated through the CFPB and the first was successful in that Midland Credit Management finally issued a refund check for the full amount that was paid to stop any further collection activity for a credit card that was deemed opened fraudulently by XXXX XXXX XXXX. However, my correspondences to Midland Credit Management alone could were only ignored.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I opened a student loan in XXXX 2012 for about {$2600.00} and I have never received a bill and now they are stating I have been failing to pay this is not accurate I have never received any bill payment notification regarding me paying any loans for school the last time I checked they where not do was not notified and so there still should have been some type of bill sent to me regarding the loan amount, and or what I was to pay instead they just started reporting derogatory marks on my credit report and I have made several attempts to be heard, and I have not found any help. Not to mention how did {$2600.00} go to {$8100.00}????

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 01-06-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Account opening, closing, or management

Complaint: Bank of America placed a fraud on my account with XXXX and has yet to show hard core evidence that it was me who placed bad checks into the ATM. I have repeatedly asked them to review ATM video footage and to review whose signatures were on the endorsed checks and still nothing has happen. I even wrote the XXXX and XXXX of Bank of America and I thought it was resolved, but now nobody is responding to my letters, my requests, or my complaints. And still, I am unable to open up an account with any other bank until that has dropped off XXXX or Bank of America remove the fraud status. I even requested Bank of America to allow me to reopen an account with them, but restrict ATM deposits because I earnestly need a personal checking and savings account. I am writing because I feel like Bank of America feel that their size and status as a bank entitle them to report and to harm the lower class people because we can not afford to retain attorneys to argue for us. I hope this agency will not allow Bank of America to treat me like I am nothing and to hold them accountable for their injustice.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CORELOGIC INC (PR).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I do not recognize the following inquiries in my credit report : 1 ) Inquiry from XXXX XXXX, XXXX This inquiry could stay on your report until XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX -- -- - 2 ) Inquiry from XXXX XXXX, XXXX This inquiry could stay on your report until XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX -- -- - 3 ) Inquiry from XXXX XXXX, XXXX This inquiry could stay on your report until XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX -- -- - 4 ) Inquiry from XXXX XXXX, XXXX This inquiry could stay on your report until XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX -- -- - 5 ) Inquiry from XXXX XXXX, XXXX This inquiry could stay on your report until XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX -- -- - 6 ) Inquiry from XXXX XXXX, XXXX This inquiry could stay on your report until XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX -- -- - 7 ) Inquiry from XXXX XXXX, XXXX This inquiry could stay on your report until XXXX XXXX. 
XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX 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 03/30/2018 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: i called XXXX and Experian and spoke to a representative in regards to the 15 inquiries on my report that don't belong to me. I made it clear i did not authorized any of these inquires.The following accounts wasn't made by me and i want them to be removed. I dont understand how i have a fraud alert on my credit report but you guys cant make the necessary measures to make sure im making these inquiries.

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX XXXXXX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX ( why in the world will i apply for a card every month ) XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-12-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (TN).
Issue: Account opening, closing, or management

Complaint: I opened my CitiGold checking account at the end of XXXX XXXX. I signed up for it because I was lured in with a bonus promotion that promised XXXX XXXX XXXX miles would be credited to my AAdvantage account that was linked with my Citi XXXX XXXX credit card. To receive the bonus, I was supposed to use the bill pay feature in two different months and I was supposed to spend {$1000.00} on the debit car within three months of account opening. After I completed these requirements, I asked Citi customer support when I could expect to receive the promised airline miles. I received a response that contained this : " After further review of your account, I can confirm you have completed the requirements for the XXXX XXXX promotion offer. The promotion states that you will receive the miles within 90 days from the end of the statement cycle in which you completed the requirements. You completed the requirements in the month of XXXX and the 90 days began on XXXX/XXXX/XXXX. You can receive the miles no later than end of XXXX. There is a certain processing time for XXXX XXXX to credit the miles to your account. If you do not receive the miles, please contact Citibank and we will submit an investigation to the missing miles on your behalf. " In this message I was told I would receive the miles at the end of XXXX. Also in the same message was this : " Please be advised that the Citigold account has a $ XXXX monthly service fee if you do not meet the {$50000.00} average balance requirements. The {$30.00} fee appears on the first business day of the month. If you see a {$30.00} fee, this will be the monthly service fee for the Citigold account. '' No problem, I thought, I am happy with the account so far I will just keep paying the monthly maintenance fee. 
Anyways, the end of XXXX came and passed an I still had not received any airline miles from the CitiGold promotion that I was enrolled in. No problem, I thought, I will just send a message to customer service to see what the hold up was. I received a response that contained this : " I regret any confusion and inconvenience this has caused. Our promotion offers are available by invitation to specific targeted clients to an email listed on your account and/or letter sent by mail from Citibank. 

I understand you received secured message XXXX/XXXX/XXXX and XXXX/XXXX/XXXX with promotion attachment and promotion requirements. However, this is not a guarantee of eligibility of promotion incentives. In review of your eligibility, an invitation for this promotion was not targeted. I will have our Marketing management team re-review your account and promotion eligibility and send you a response by secured message. " As you can read from this message, Citi has back stepped from what I was previously told. Apparently, I am not the only person this has happened to.

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 08/14/2017 about Mortgage (Conventional home mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (MA).
Issue: Trouble during payment process

Complaint: Rushmore Loan Management, LLC is the servicer on my mortgage loan sinceXX/XX/XXXX. They have incorrectly placed my mortgage in default. I provided every month of proof of payment between XX/XX/XXXX through XX/XX/XXXX and they have not corrected this. Rushmore now says that it is due to a payment XX/XX/XXXX prior to them servicing the loan. I 've asked them why they are trying to collect on the loan prior to them servicing loan. They stated XXXX XXXX XXXX transferred loan stating I was one month in default and did n't receive XX/XX/XXXX. I have provided copies of proof of payment and the cleared & endorsed check by XXXX XXXX XXXX for the XX/XX/XXXX payment. Now, Rushmore states that it is due to an XX/XX/XXXX missed payment. I explainded that payment was n't required because I have a statement with XXXX Balance due because an adjustment that was made due to a Modification from XXXX  XXXX XXXX. I have provided that information and Rushmore Loan Management continues to keep my loan in default. Please see copy of the XX/XX/XXXX statement with zero balance due.

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2016 about Student loan (Federal student loan servicing) with NELNET, INC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I was on social security XXXX since XXXX. In XXXX XXXX, I contacted Nelnet to have my student loan with XXXX discharged based on XXXX. It was approved. In the written terms, it states that my loan discharge depended on me not earning more than {$16000.00}. per year, which is the poverty limit in New York. In XXXX, I earned a little over {$17000.00}. I was employed and unemployed, as has been the pattern with my XXXX. I was also homeless, so I did not receive their notices to show my income. When i called them in XXXX, after they sent me an email, they told me that it was too late to show my income, and that the loan would be reinstated by XXXX. In XXXX, they told me it would not be XXXX, but Nelnet I repay. I am no longer on XXXX and I am unemployed. 

When I received the balance of my loan, the amount jumped from around {$30000.00}. when I applied for discharge to now over {$34000.00}. I was told today by Nelnet that it is because interest accrued since XXXX XXXX. I asked them how on earth can they validate charging me {$95.00}. per month interest during the time my loan was discharged? they said it is in the terms they sent me. I want to know if this is legal. I want to know if any of this is fair under loan laws and fair practice.

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2016 about Consumer Loan (Vehicle lease) with U.S. Auto Credit Corporation (NC).
Issue: Managing the loan or lease

Complaint: I purchased a car and it was financed through US Auto Credit. They wanted payments every two weeks but not on my pay dates. Payments have been made every two weeks then in XX/XX/XXXX I received a call from them saying I missed a payment in XX/XX/XXXX. No mail or email saying that. So I was late more than 6 times paying them which has affected my credit score. I have been searching for that so called missed payment. Then on XX/XX/XXXX they were to take my payment from my checking account. On XX/XX/XXXX they called me saying my bank account was closed and they could no longer take checks from me. I immediately went to my bank and my account was not closed. They are charging me a late fee again and a non-sufficient fund fee when my bank has not. My account was never closed and when I asked what account number they have, the rep, " XXXX '', told me we only have what you gave us. I asked to speak with a supervisor but no one has called me yet. The supervisor s name is XXXX. I was told by XXXX they do n't waive fees, although I did not incur any. She wanted me to make a payment with a debit from the bank she claims my account is closed which makes no sense. Maybe it 's because they charge {$4.00} fee to pay with a credit/debit card, and there is no fee to pay by check. This company has the worse finance company. It does n't help you but hurts your credit and relationships with family. They call my family and friends constantly as well as me. Enough is enough.

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 11-06-2015 about Consumer Loan (Installment loan) with Avant Credit Corporation (FL).
Issue: Shopping for a loan or lease

Complaint: I applied for loan with Avant, Inc. on XXXX XXXX, 2015. I was informed by Avant that I was approved for {$12000.00}. I provided all of the requested documents, and communicated by phone 4 or 5 times. I actually spent over 4 hours on hold between XXXX/XXXX/15 and XXXX/XXXX/15, and I was even disconnected on one occasion, after being on hold for nearly an hour. Avant 's customer service representative was kind and thorough in handling my questions, but there was n't any follow through from Avant. 
On XXXX/XXXX/15, I was informed my application expired, and a new loan application was activated. The new application was activated when I logged on to my account to check my status because a contract requiring my signature was on my screen, and I was n't able to navigate on my account, without signing the contract. I was not aware the contract was for a new application, and I was not aware my original contract had expired. 
Due to Avant being in possession of documents containing my personal and financial information, on XXXX/XXXX/15, I logged on to my Avant account to verify there had not been any activity on it. On XXXX/XXXX/15, I received an e-mail from Avant stating I applied for a loan on XXXX/XXXX/15, and it was declined. I did NOT apply for another loan on XXXX/XXXX/15, nor will I ever apply for a loan from Avant. 
Based on information I located on the internet, Avant is rated XXXX and a half stars out of XXXX stars in comparison to other lenders, but my experience with Avant did not reflect the practices of a company worthy of a positive review. In my opinion, Avant was misleading, and their customer service was deplorable. In addition, I am now concerned about the possibility of fraudulent use of my personal and financial information due to the notification stating that I applied for a loan on XXXX/XXXX/15, when I did not apply for another loan. 
I e-mailed my complaint to Avant, and they replied, informing me they deactivated my account, and they referred me to their privacy policy regarding my concern about my financial information. Although my complaint to Avant was handled, it should still be noted that their methods are suspicious, and their communication is painfully time consuming.

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2016 about Mortgage (Conventional fixed mortgage) with TAMMAC HOLDINGS CORP (OH).
Issue: Loan servicing, payments, escrow account

Complaint: A real estate agent recommends filing a complaint.Assured representation of Tammac Corportation.Used discrimintory remarks to indicate high rates.Would provide their employees benefits for government services.Indicates a complaint.Shown a recommendation to charge a violation.Benefit a home owner.Establish an objective to increase an estate value would prove beneficial.To concerned parties.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2017 about Credit card () with CITIBANK, N.A. (MD).
Issue: Credit determination

Complaint: I contacted Sears after reviewing my account online. On my account summary it showed XXXX separate accounts. After seeing this I contacted Sears customer services I had to repeat myself over and over again asking why I have XXXX different accounts. I informed the customer service representative that the only card is the account ending in XXXX with an expiration date XX/XX/XXXX. The customer services representative immediately said " Oh would like a new card ''. I continued asking her why I have XXXX different accounts. Finally she gave me the explanation that it was my old account. I still do not understand why that account number is still showing on my account. The customer representative asked me again if I would like a new card. I said " ok ''. The customer service representative put me on hold. She came back on the phone to confirm my mailing address. Then informed me that my new card would be sent. I woke up the next morning finding out that my credit was pulled By Citi ( which provides Sears the credit card ). I have contacted Sears/Citi. I am currently in the process of purchasing my first home. I will be going to closing on XX/XX/XXXX or XX/XX/XXXX I never said yes you can pull my credit. Citi bank contacted me today the presidential office stating that it is common practice for Citi to do this when a new card is requested to protect against fraud.

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 11/19/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (WA).
Issue: Loan modification,collection,foreclosure

Complaint: Ocwen has taken excessive amount of time issue a modification. We 've been told clients are approved but have yet to receive the documents.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2017 about Debt collection (I do not know) with National Credit Adjusters, LLC (KS).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: Repeated calls, one after the other. Name calling and obscene language. Refuses to identify the company they 're calling with without finding who they 're talking to first, and then get belligerent. 4-5 calls per day to numerous phone numbers, have asked them to stop calling. Refusal to get supervisor when obscene language was used.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (OH).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I was denied credit so I pulled a credit report. I found that the company ERC placed an account on my credit report that I have no knowledge of nor was I notified before it went into collections. This is a violation of the Fair Credit Reporting Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief