milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-11-2015 about Debt collection (Medical) with Atlantic Credit & Finance, Inc. (NE).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: They have somehow contacted my mother although she has no connection to this debt and harrassed her calling multiple times per hour. I called them back, they were looking for another name other than my own and I told them to not use this number again to contact me and they told me they would n't and called me an " XXXX ''. The person on the other line is called " XXXX '' and she is extremely unprofessional, rude, lewd, and harrassing. I am being called multiple times per day starting XXXX XXXX up through today XXXX XXXX thus far.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 about Debt collection (Other debt) with ERC (NC).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: XXXX XXXX XXXX/Company has never communicated via phone, mail, or email that I have ever owed them a debt. This debt has been placed for collections and has been reporting to all 3 credit bureaus. I have no knowledge of this debt. Also upon further investigation, the state of North Carolina requires collection agencies to be registered with the Secretary of State. XXXX XXXX XXXX is not licensed to do business in North Carolina. Their current status is WITHDRAWN.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Hello, I reconsolidated my loans with a new lender, XXXX. They sent 2 checks in early XX/XX/XXXX that were cashed. There was an overpayment of about {$920.00}. I called navient twice to see if the refund was coming back to me. I was told yes by customer service and to wait up to 6 weeks to receive the check. The check never came. I called in early XX/XX/XXXX and spoke to and XXXX at extension XXXX who told me the refund would be going back to XXXX XXXX and that it was cut on XX/XX/XXXX and mailed on XX/XX/XXXX. XXXX XXXX as of today, the XX/XX/XXXX, has still not received the check. I called Navient again last week and spoke to XXXX who said she needed to check with finance to see if they can reissue a check. I was told I would receive a call the next day, which would have been last Thursday and I still have n't received a call. 
As of now I am accruing interest on a balance with XXXX on money that is sitting with Navient. It 's been almost 2 months at this point with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Debt Recovery Solutions, LLC (MA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Unknown company and unknown debt, please help I have disputed this and nothing has come out of it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: XXXX of XXXX pulled my credit on XXXX/XXXX/2015 from minimum XXXX banks and other institutes without my authorization. I called XXXX of XXXX, XXXX TX XXXX to remove the inquiries on phone, they said I should ask Credit Bureau, when they will contact ask them, we will ask them to remove. 
I spoke to XXXX credit Bureau, they told me to contact the company who pulled the credit file, or I call individual company. 
My credit is ruined by these marketing guys, My son XXXX years old goes to college, he is on XXXX, I am trying to get a vehicle XXXX but due to many unauthorized inquiries and negative impact on credit report I am declined for that and also for other financial help I try to get some loan. Please help me I am not able to deal with big companies they do n't care and do n't want to listen what I am saying. For me and my XXXX son its very important to remove from my credit repot. 
I would appreciate for your kind help, you can see in attached lists how they have pulled my credit report. Not only me but my XXXX ( I am XXXX ) family and specially my son who is XXXX XXXX at XXXX ( XXXX XXXX XXXX ) who really needs transportation and van XXXX, due to too many unfair and unauthorized inquiries. 
I have attached XXXX files, includes all XXXX credit Beureaus Consent to publish the description of what happened? Consent provided Supporting documents Unauthorized Inquiries list XXXX XXXX XXXX Bearues.docx ( XXXX ) credit iquiry XXXX Beureaus.pdf ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: I have called and submitted letters to XXXX and XXXX with a copy of my Bankruptcy Discharge notice disputing a collection account on my credit report. The debit was a XXXX 's XXXX account that was included in the bankruptcy and purchased by Pinnacle Collection agency 3 years AFTER bankruptcy was XXXX. I have received collection calls, letters requesting payment etc. I have been trying to rebuild my credit but have been denied again and again because of this showing as a collection account. XXXX in particular only added a notation the collection account was included in bankruptcy but will not remove and the other credit reporting agencies will not remove either. The collection account has RE-AGED debt as of 2012 which is in accurate. This has caused me financial injury these seven years since filing for bankruptcy. So after repeated request to verify information, the collection agency and all credit reporting agencies have provided false investigation results and have ignored bankruptcy discharge notice. In effect violation the automatic stay issued by the U.S. Bankruptcy Court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/16/2018 about Checking or savings account (Checking account) with M&T BANK CORPORATION (NY).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: On XX/XX/2018, I opened an M & T Bank Account based on an offer displayed online -- coupon code " TN ''. Immediately after opening the account, I was informed the coupon " TN '' did not apply correctly, and therefore the bonus will not be applied to the account after direct deposit, even though it was advertised and opened based on the offer.

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 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CT).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX, Equifax and XXXX are showing inaccurate information on my credit file a XXXX XXXX auto loan, XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX all these account have been charged off/ wriiten off or sold to another collection company which under the fair credit act the companies charged it off on their taxes, which technically means that they can not come after me and should be deleted off my report and wellsfargo is reporting late payments if I 'm technically making payments so it also has to be removed. this is impacting my credit tremendously please take action

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/14/2018 about Debt collection (Other debt) with I.Q. DATA INTERNATIONAL, INC. (TX).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: IQ Data International has been harassing me since XX/XX/XXXX with repeated phone calls, sometimes more than once per day, regarding a debt I do not owe. 

I have sent letters with documentation to show I do not owe the debts, and they continue to harass me. I found out recently that they also reported the debts to the credit bureaus, which is negatively affecting my credit. 

I sent follow up letters demanding that they contact the credit bureau to remove the collections and they have not responded.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint: Capital one has me added to a credit card as an authorized user that I never requested and have no knowledge of the person the account actually belongs to. I have contacted Capital One and told them that I should not be an authorized user on XXXX XXXX 's credit card, however they have refused to remove me as an authorized user, and now I am showing late payments on my own credit report based off of Capital One adding me as an authorized user fraudulently. I was the victim of identity theft and my credit was also compromised during the XXXX breach but Capital One has refused to remove me as the authorized user. I do not know anyone named XXXX XXXX and I never have, and I never gave any such person the authority to add me as an authorized user. My identity was compromised and I am struggling to resolve these issues, but Capital One has refused to honor my efforts and have been verbally abusive to me with regards to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2015 about Debt collection (I do not know) with NorthStar Technologies (OK).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a call from XXXX a debt collection company stated I owed {$4900.00} to XXXX XXXX, to which I informed the debt collector I did not. I was not given FDCPA, no any disclosures, I asked them to not contact me again as I did not owe any debt to XXXX XXXX and also asked for validation of the debt. to which has yet to be provided, after asking them not to contact me again and to cease collections efforts on XXXX XXXX a debt collection letter was sent to me via mail.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2016 about Bank account or service (Checking account) with REGIONS FINANCIAL CORPORATION (FL).
Issue: Problems caused by my funds being low

Complaint: I am opted in to overdraft coverage, and unfortunately overdrafted my account by {$1.00}, with no charges smaller than that ( meaning it was only XXXX charge that sent me over ). I then was charged XXXX {$36.00} OD fees for a total of {$100.00}, leaving my account at $ XXXX. When I called Regions to sort out, they said that the way the charges were pending is what caused it, and that it was not a mistake.

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 03/23/2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (OH).
Issue: Loan modification,collection,foreclosure

Complaint: I am a housing and credit XXXX with XXXX, XXXX XXXX. I am assisting XXXX XXXX in working on his delinquentmortgage. It began with XXXX, XXXX and XXXX then transferred'to Bank of America XXXX XXXX XXXX XXXX This is an FHA loan and itoriginated with XXXX, XXXX and XXXX. Over the past 9 yearsXXXX. XXXX has sought legal assistance on helping him with thisdelinquent mortgage. He has not made a mortgage payment duringthis time but not from lack of trying. He has spent much money onattorney fees in trying to get different options on his FHA loan. 

In XXXX 2014, XXXX XXXX signed deed in lieu documents with Bank ofAmerica. This year, he received his cancellation of debt from Bank ofAmerica from XXXX XXXX, 2014. 

Unfortunately, in XXXX 2014, servicing switched to XXXX XXXX. 
The Deed In Lieu had never been recorded. His FHA case number isstill open. 

This is stopping XXXX XXXX from obtaining future loans - from the openFHA case number. He 's been working towards resolution and finallydecided on the Deed In Lieu and it still has not been recorded. Theproperty is still in his name. XXXX XXXX is going to try to get XXXX XXXX to cancel the " cancellation '' thus again starting the countdown on closing out the FHA case number and further financingfor XXXX XXXX. 
The resolution is not helping XXXX XXXX and his family of XXXX find affordablehousing. He is renting but has cleaned up his credit report and wants tobuy a house again. Long story. BUT the loan is still NOT out of hisname and the house that he moved out of in XXXX 2014 is still in hisname. Just does n't seem right.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2016 about Debt collection (Medical) with P.S.C., Inc (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This debt is related to my niece, XXXX XXXX. She applied for financial assistance in XXXX 2015. XXXX XXXX was also on Medicaid back-dated. I spoke to XXXX Hospital in 2015 and was told that this bill was being put on XXXX XXXX 's account and should not be in name.

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 02-08-2016 about Credit card () with AMERICAN EXPRESS COMPANY (NY).
Issue: Rewards

Complaint: I applied for American Express XXXX XXXX XXXX card ( account number : XXXX XXXX XXXX ) back in XXXX XXXX, when it had a promotional offer of XXXX Membership Rewards points after spending {$3000.00} in 3 months. I called before application to make sure I was eligible for the offer ( which was confirmed by Amex phone representative ). Also, I called after approval to double check the terms and again was told I 'm eligible. After I spent {$3000.00} I saw XXXX points pending, but after a while they disappeared. After another 2 calls to Amex in XXXX XXXX and XXXX XXXX, I was told that it takes 6-8 weeks for points to post, but they are coming. 

I just got off the phone with Amex representative ( XXXX XXXX, XXXX ) and I was informed that my account is ineligible for the sign up offer because I had a similar product back in XXXX and now all personal Amex credit cards have once in a lifetime signup bonuses. 

This was the first time I was informed I was n't eligible. I repeat before I applied for the card and while I was satisfying spending requirements I was told multiple times I am eligible for the sign up bonus. I feel Amex was intentionally deceptive and outright misleading in making me spend the required amount ( {$3000.00} ), paying annual fee ( {$470.00} ) upfront, and only then pulling the rug from under me. 

I request Amex credits my account with XXXX points are per sign up offer. There were multiple opportunities to notify me that I 'm ineligible for the sign up offer when I was inquiring about it a ) before I sign up b ) at least 3 calls after I signed up. 

I conservatively value XXXX Amex XXXX point at XXXX cents, so XXXX XXXX points is {$1500.00}. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-09-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (NV).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I recently purchased my Condo, and was living at XXXX XXXX. I gave my notice and informed them that I will be moving out and that the balance I would pay. I have emails where we came to a conclusion of amount and date that payment would be paid each month. I spoke with XXXX which is the manager at XXXX XXXX. She agreed verbally and through email. She stated that would be fine since I just purchased my Condo via VA Home Loan and was making sure my payments and anything that might go wrong would be taken care of. That is why I asked for payments. I know that I owe the debt but would need time to pay it off. XXXX inadvertently sent the file to Hunter and Warfield XXXX -- XXXX account number XXXX. I called them informed them it was a mistake, and that I had arrangements with XXXX XXXX to make monthly payments. They stated that XXXX just needed to call and have it rescinded. I called and spoke with XXXX, the Manager at XXXX and she informed me that Hunter and Warfield would n't release the file. I called Hunter and Warfield and explained to them that I refute this and is in dispute, please do not call me or contact me. My phone is a business phone and I can not receive calls. The lady said ok and hung up. I tried speaking with XXXX and she said there is nothing she can do. I informed her that the emails stated we had an arrangement and I am appalled how they could send it to collections. Hunter and Warfield has called my phone 2 times. I informed them that they are breaking the FDCPA regulations. I informed them that I will be filing a complaint against them. Afterwards when I called them back to confirm they are aware of me disputing this and filing a complaint the representative informed me that they cant speak with me and hung up on me. Since they state they have recorded lines and that they are following the FDCPA regulations, then they have broken not one, but 2 of the codes that protect me. I am very aware of my rights and they had no reason to contact me at work and demand payment when I informed them that I was disputing it.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2016 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (PA).
Issue: Loan modification,collection,foreclosure

Complaint: I was told my mortgage company participated in the deed in leui program with relocation assistance. I have been trying to get this since XX/XX/XXXX, SPS has been playing games making me get the same documents 12 times, reapply 3 times, then denied me outright. I am getting the run around for 4 months. I filed bankruptcy and can not afford to keep this home., I was told in XX/XX/XXXX it would take 45 days to get this help. In XX/XX/XXXX I started looking for a new place to live, SPS is still playing games. we are now out of our home, and broke. We are trying to do the right thing, we qualified for this relocation assistance and we are getting jerked and from what I am seeing online many people have gone through similar with SPS. I feel they are getting government funds for " pretending '' to participate in this program. PLease help us!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Debt collection (Auto debt) with States Recovery Systems, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: State recovery system as a debt collector tryed to collect a debt. They 're reporting inaccurate information in my credit report. I was denied credit. They told me is my responsibility to have it removed from the credit, they have no responsibility to remove it, they have no violation of law.

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2016 about Consumer Loan (Installment loan) with NAVY FEDERAL CREDIT UNION (VA).
Issue: Shopping for a loan or lease

Complaint: I came to the XXXX location in XXXX to apply for a loan. The loan was to pay for a certification class and moving expenses. After explaining the situation in its entirety to the representative, I was told that I needed to open an account to apply. After opening a checking account, he opened a savings account for me as well although I did n't need it. He then did the loan application and told me to check back in a few days. I decided to call the customer service number about an hour after getting home and was told that my application had been denied. I was also told that the decision was made right away, as in while I was in the branch. After appealing the loan process several times over the course of 4-5 days, I was finally told that Navy Federal does not grant personal loans for job certification purposes, but would be more than happy to help me with my moving expenses. After applying for a 4th time, I was denied again without a proper explanation. I was told to simply wait for my letter in the mail explaining the decision. I will be starting a new career in California on Monday, XXXX XXXX, and all Navy Federal has managed to do is waste my time and energy. From the beginning, the representative simply signed me up and left me out to dry. Knowing my application was denied, he told me to simply call back a few days later. Knowing that you do n't give loans for certifications, your customer service and lending teams wasted my time and money having me appeal and process several loan applications. I am going tomorrow to withdraw my money and close my account. I am also recommending my brother, a active member of the ( XXXX XXXX ) and my mother, both account holders of Navy Federal to do the same. I have never felt so cheated and swindled by a company in my whole life. I want this to be made very clear to Navy Federal : you created a checking and savings account for me AND RAN MY CREDIT knowing that the reason for the loan was not something you support. Shame on you and your banking institution for not knowing better.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2015 about Consumer Loan (Vehicle loan) with UNIVERSAL ACCEPTANCE CORPORATION (NE) (MN).
Issue: Managing the loan or lease

Complaint: Apparently I was provided as a " reference '' for an auto loan for a friend. To my recollection I was never contacted for the reference. Now the person with the loan in behind on payments and this company called me XXXX to have him " contact them ''. The first time I thought it was because I was the reference and the loan was just being initiated. The XXXX time I found out that they must be behind on payments. I did n't sign up for anything and they should n't be calling me.

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