milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-02-2017 about Debt collection (I do not know) with GC Services Limited Partnership (PA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I received a call today at XXXX from a man who said he XXXX XXXX representing GC Services. He said the call was being recorded. He said my daughter XXXX used me as a reference so I thought she applied for a job. When he asked me what her current job title was I became suspicious and told him she was a XXXX XXXX XXXX, which she is n't. Then he asked for an updated address and I stopped him and asked who he was again and who he worked for. He complied and I informed him that I was also going to record the conversation. At that point he said he would remove my phone number from my records and hung up. I do n't know why he was calling me about my physically challenged daughter but I do see where GC Services was recently fined {$700000.00} for unlawful tactics in debt collection. Apparently the fine did n't matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/22/2017 about Debt collection (I do not know) with National Enterprise Systems, Inc. (PA).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I was called by National Enterprise Systems. When I asked them if they were a debt collector attempting to collect a debt they refused to respond to the question.

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with USCB Corporation (LA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I attended XXXX XXXX XXXX XXXX and i paid monthly payments for the XXXX.I withdraw from the school and was still being charge monthly, even though I quit.

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (LA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I received a phone call from a relative stating I had an threatening phone call from Portfolio Recovery. I contacted the company and the representative stated if I did n't pay the account of {$560.00} in 30 days my wages will be garnished. I asked when was the last time a payment was made on the account she stated it was irrelevant and it needs to be paid immediately. I asked how long has this account been open she stated since 2007. I informed the representative to stop calling my relatives and I was told to send a letter and inform the company not to contact my relatives.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-08-2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (WA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Talked to someone not related to me about debt and left information about debt with my name on front door where everyone could see it and read it. They are also listing someone else in the document I do n't know, does n't exist and/Or has nothing to do with this debt. The documents were so cigarette smoke infiltrated they made me sick.

Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: I continue to receive pre legal notifications from this company XXXX XXXX XXXX XXXX, XXXX. This is the second attempt to make a monthly payment settlement with them but they do not want to make a deal. I continue to receive this threatening letters used for intimidation.

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2015 about Debt collection (Medical) with Phoenix Financial Services LLC (TN).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Currently we have a XXXX Debt to XXXX XXXX XXXX XXXX, and paying bill monthly. Have taken debt from XXXX to {$1000.00} since XXXX 2015. I have not had any indication that my debt had been sold to a third party until today after receiving a hostile phone call from XXXX from XXXX. He said that he was filing a complaint against our credit score for not paying a debt. I told him the amount was wrong, and I have n't received a bill from the new company. He said that did n't matter, I needed to pay immediately. He also said that I had to call the Hospital to get the receipts of my payment. I told him he should have gotten the correct amount and sent me a bill explaining this new process. 

I also know that if we are making payments on Medical Bills, we should not be sent to collections. He was threatening, unprofessional, and could n't even get his point across.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2016 about Credit card () with CITIBANK, N.A. (ME).
Issue: Delinquent account

Complaint: XX/XX/XXXX I had a XXXX and was not able to work. I contacted Sears - CBNA to let them know I was going to be late. At that time I was forwarded to a department who asked how much I could pay each month and if we went into a payment plan and I paid it monthly we would be able to maintain the plan. I made each payment on time with auto withdrawals and completely paid the debt off XX/XX/XXXX. At that time my credit report showed paid as agreed never late. Once the balance was completely paid CBNA / Sears notated my account was late 11 times in a row of 60 days and 9 times in a row of 30 days late. When I disputed they said even though I paid on time and paid what they sent me bills for monthly it was still not enough and that is why it showed 60 days late. I paid every bill they sent on time until there was a XXXX balance. I paid the balance off early.

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 02/18/2018 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (OH).
Issue: Trouble during payment process

Complaint: I am filing a complaint against Nationstar/Mr. Cooper Mortgage Company due to unacceptable practices that have occurred after I refinanced my home loan. My original mortgage payment ( prior to refinancing ) was around 1k. I refinanced in XX/XX/XXXXand enjoyed a monthly payment of {$850.00} for about 15 months. In XX/XX/XXXX my payment increased back up to {$990.00}. I have since been paying this amount and haven't been able to get acceptable responses from the mortgage company. My 1st complaint about he increase took place XX/XX/XXXX. It is now XX/XX/XXXXand this is still unresolved. 

As I mentioned, I refinanced my loan inXX/XX/XXXX, but byXX/XX/XXXX my payment increased back up to XXXX and the reason I was told was because my insurance and property taxes have increased. This is not true. I recently researched this and I don't see the increase. My property taxes from XXXX to XXXX have only increased by {$190.00}. Meanwhile my annual insurance premium has remained around {$200.00}. Currently in my mortgage payment {$390.00} is being applied towards escrow. This calculates out to {$4700.00} a year. However my XXXX property tax was only {$2700.00} and my insurance premium was {$180.00}. This only totals {$2900.00} ... for a difference of {$1800.00}. I relayed all this information to Mr. Cooper and received a letter explaining there is a minimum amount balance requirement and that mortgage insurance is also built into the payment. Both factors are reasonable reasons. 

The issue is that all contributing factors that determine escrow remained constant over the life of my loan. I refinanced in XX/XX/XXXX which extended the life of my loan back to 30 years and now the monthly payment amount is right back to where it was before the refinancing. I have responded to Mr. Cooper explaining this and asking for more details. I received another letter stating that 30 days is needed so the loan can be investigated. It is nowXX/XX/XXXX and I still have yet to receive a response. 

I feel I have been taken advantage of during the refinancing process and was low balled so I did not refinance with another company. I am not stuck with a the same payment as I had prior to the refinance, but the life of the loan was extended back to 30 years. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2016 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (PA).
Issue: Account opening, closing, or management

Complaint: I received an offer from Citizens Bank for {$500.00} to open a checking account. I opened the checking account, met the offer requirements, and then waited for my bonus. Citizens has never paid me the {$500.00} bonus, citing " internal reviews '' every time I go to the branch to ask about the bonus or follow-up on payment. Meanwhile, I 've been charged {$20.00} per month in service charges while waiting for this bonus for approximately 8-9 months.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-04-2015 about Debt collection (I do not know) with Fitzgerald Goldman & Associates, Inc. (WI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They say they are from Fitzgerald and associates XXXX. They will not tell me what it about just that i owe money. They refuse to create paper trail or provide information. They will not provide me anything in writing. They threatened to take my car away. They called me on my cell phone at XXXX on XXXX. They called me at work on XXXX and i asked them not to call me here. They called again on XXXX i asked them not to call me again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2016 about Credit reporting () with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Hello, My name legally changed in 2015 and the credit reporting agencies refuse to accept the court order and make the change to the credit report ( The previous name must not be disclosed, per court order - more than five years after the change ). This has resulted in a denial of credit because of lack of a credit history and a fraud alert on my account. 

They have stated that they will not change the information unless it comes from an original creditor, but this is false credit reporting because it is my history, my former ( birth ) name, and my new ( legal ) name. 

One of them did finally agree to make the change, but still sends my information in the former ( birth ) name AND when it did reflect the new ( legal ) name, they included a middle initial. There is NO MIDDLE NAME/INITIAL.

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 05/18/2017 about Student loan (Federal student loan servicing) with MOHELA (IL).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Took out a student loan and made payments for alm ost ten yea rs. I just found out that my payments do not qualify for loan forgiveness. I was not advised of this when I set up the payments. My payments actually were more than if I set it up as income based.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2016 about Student loan (Federal student loan servicing) with STUDENT ASSISTANCE FOUNDATION (VT).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: In XXXX I contacted the company that was servicing my student loan and requested a payoff amount. I was given that amount and paid the balance I was given as the payoff amount. Ten years latter I was contacted XXXX stating I had an out standing balance and with interest had grown to a large amount of about {$3000.00}, they started collections. I can honestly tell you I did not receive ANY correspondence regarding this outstanding student loan during the time period of XXXX. I was monitoring my credit report and never did anything appear on my credit report. In XXXX after I started receiving notices of collection from XXXX on a student loan I assumed was paid-off. I started digging into this matter with XXXX and found out that I was given the wrong payoff amount. Since I was provided the incorrect pay off I tried to negotiate with XXXX to pay the balance only that was outstanding, not the interest that had accrued. I had a meetings with XXXX in XXXX, wrote numerous letters to the XXXX governing agency 's to work with me on this matter and except some responsibility for the error. At each turn I was told I had to pay the full amount. I was not going to pay the full amount plus interest because I had already completely paid the loan off XXXX the full amount I was given. Now 14 years latter I am still battling against this student loan and accruing interest. Not one agency that has been involved with this loan is willing to acknowledge they was an error made in XXXX that has caused me countless years of trouble. I need to find out what agency or person I can speak with that will look into this matter and make the determination that in XXXX I paid the payoff amount I was told. And yes that amount was incorrect it was not your fault. Pay the remaining balance that was due in XXXX and this student loan will be considered closed. I have always been willing to pay the original outstanding balance I just am not willing to pay any of the accruing interest. I was not hard to find in XXXX, XXXX XXXX and so on ... .. 
I am at my wits end. I currently am on a IBR plan and called once again to see about just paying the original outstanding balance. I was told ; wither you pay this loan or not at some point in the future we WILL get our money from the government. Great incentive to work with people who might be in similar positions. Or maybe I am the only XXXX in this type of position. 
Hope there is some guidance or help out there for my situation.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2016 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am a victim of identity theft. I have a identity theft marker on my credit reports. 

XXXX accounts which Equifax are reporting on " XXXX '' and " XXXX XXXX '' are result of identity theft and I demand Equifax stop reporting this information. 

I submitted a FTC ID theft affidavit and police report to XXXX over a year ago.. They responded to me a few months later saying that there is nothing they can do since they sold this account to XXXX XXXX XXXX. 

I called XXXX XXXX ( the debt buyer ) recently and explained the situation and the fact that I am a victim of ID theft. The XXXX XXXX rep says " In that case since you are a identity theft victim, I can offer you a one-time settlement 80 % discount ''. I refused to pay even with their large discount because I will not pay for someone else stealing my identity.. It was n't me..

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2017 about Vehicle loan or lease (Loan) with CAPITAL ONE FINANCIAL CORPORATION (NC).
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint: I had a car loan with Capital One Auto Finance I purchased a XXXX XXXX XXXX. I took out XXXX XXXX when I purchased the vehicle. I had a XXXX XXXX in XXXX XXXX and the insurance declared my car a total XXXX. I filed a claim with my insurance company, XXXX XXXX. XXXX requested a payoff from Capital One Auto Finance they paid what the value of the car was at the time. XXXX XXXX covered the remainder amount owed. Capital One Auto Finance is reporting that I owe them more money when my account was paid in full through XXXX and XXXX XXXX. I want this account removed from my XXXX Credit Report. My loan with Capital One Auto Finance was satisfied in XXXX through XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: On  XXXX / XXXX / XXXX , I applied for a  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  credit card limit increase, which was initially declined approximate ly ten  days later due to my credit report.  XXXX  pulled up my  XXXX  credit report. Both  XXXX   XXXX  and  XXXX   XXXX   XXXX  showed negative credit information even though the information was not derogatory :  XXXX    XXXX   has been closed since  XXXX  ;  XXXX   XXXX     XXXX    advisory  that account was previously in dispute-Now resolved-reported by subscriber.   I called the customer service representative for each bank to have either the  XXXX   XXXX  account removed from my credit report or the  XXXX   XXXX   XXXX  advisory removed. Each customer service representative said that I had to contact   XXXX    and that  XXXX  would contact the bank.   I work very hard to keep my credit report pristine and accurate. I even pay to have credit report freezes placed on them.   On  XXXX   XXXX ,  XXXX , I was eventually able to get the  XXXX  credit card limit increase. However, it should have happened a lot sooner and with no problem.     Please, remove the  XXXX   XXXX  account and the  XXXX   XXXX   XXXX  advisory.

Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2015 about Credit reporting () with EQUIFAX, INC. (MN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I recently signed up for XXXX XXXX service. Upon checking my Equifax credit report I found that XXXX issued a hard credit inquiry without asking for my permission. I would like to file a complaint for this unauthorized action and ask that XXXX take action to remove this inquiry removed from all of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2017 about Bank account or service (Checking account) with PNC Bank N.A. (CA).
Issue: Account opening, closing, or management

Complaint: I found out that there was information in the XXXX that would not allow me to open another account, I called XXXX and showed them they were discahrged during bankruptcy and to udate my report, now when I go to open any bank account im still having issues even t ho I have proven bankruptcy discharge, and they are not willing to open an account I need help please

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2016 about Credit card () with CITIBANK, N.A. (NM).
Issue: Payoff process

Complaint: Citi does not allow you to pay your pending charges before they post on your account, meaning they will always be able to charge interest at the end of the month regardless of a customer 's ability and willingness to pay off the balance. 
Also, the customer portal does not allow all cardmembers who share an account to see the transactions made by other cardmembers. Truly a terrible system, as there is no ability to watch for fraudulent transactions without logging into XXXX accounts. We have had the card for a couple months, but we will be going back to XXXX XXXX tomorrow.

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 04/14/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I used Transunion 's web site on XXXX XXXX, 2016 to get my credit report. They asked me to create an account and in the process to provide them XXXX credit card 's full details. I thought it was for the purpose of establishing my identity. 
As it turns out they charged the card {$1.00} for a service that I was not aware I was getting. NOWHERE did I see any message indicating that there will be a charge of any sort. I was basically charged without me being aware that there is any charge. This is outrageous and a deceptive practice. 

I called them to complain and they said " no refund ''. I ended up disputing the transaction with the credit card company. 

On a side note : If I legally deserve a free credit card report once a year, is there a reason why a clear way to get it is not provided on their web site?

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 08-07-2016 about Student loan (Federal student loan servicing) with AES/PHEAA (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: my husband and I have a pa aes student loan we are paying on we signed a agreement in 2013 we also gave permission to to a automatic debit weekly of XXXX dollars we have not missed a payment since we started this they told us 10 payments and we would be out of default I became XXXX and they told me that I needed to fill out paperwork to have the l oans dismissed nlet told me aes has me stil in default I told them no I have not missed a payment since we made payment arrangements and so far I have paid back XXXX since I started paying. I contacted them and they told me that I did not sign the paperwork I told them if I did not sign everything you would not be able to take the paments out why am I in default he told me that I had to start paying them XXXX weekly and when I started paying that and sign new paperwork I would be out of default and they will take all the payments I made and apply it to the loan but in the mean time since they have not taken the money I sent them and put it on the loan al this intrest has build up on it. com on what kind of scam are they trying to putl on me even thought I have been paying faitfully and they had me sign paperwork for automatic deduction and even thought they accepted al lthe money I sent and kept it in ther eaccount and never applied it to minehow do they get away with ripping people off like this its bad enough that my husband has to pay XXXX to a trade school he never hardly went to because he hwas mental at the time and they kept letting him take out student loans knowing he was in no condition to go to school let alone a trade school please can someone help us we have no more money to dish out and they are killing us financially

Company response to consumer: Closed with explanation