milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/28/2018 about Debt collection (Medical debt) with Ability Recovery Services, LLC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I called Ability Recovery Services Llc, on XX/XX/XXXX because I have alerts set up concerning my credit report due to identity theft. I asked to speak with a supervisor and advised them that this isnt a valid debt and please remove this from my records. The supervisor XXXX then asked me to send proof and I did and he said he can have it removed the same day. After spending {$15.00} faxing and printing paperwork for them, I called to see if they received it and they said yes. I asked how long will it take to show as removed and he advised me to call and check at the end of the month because they report once a month. I called today XX/XX/XXXX and asked to speak with a supervisor and I explained my situation and the agent was very rude and stated that supervisors don t  just come to the phone. I called back again and got another agent who hung up on me and said they mailed me an updated bill, and then finally after calling a few times I got a professional agent who got me in touch with XXXX when the other agent stated he was out of the office. I also told XXXX that his agents arent professional and he said he will deal with that and apologized. He also stated that his client hasnt responded back yet and to call in another week. I dont feel I should have to wait this long on a fraudulent account and I never did business with either companies. This company is very unprofessional and they feel as if they dont have to follow the laws. I can say that XXXX was nice, but his whole staff needs to be re trained and they need to remove this fraudulent account immediately because its really affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (PA).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: Dear CFPB, I am writing regarding the predatory lending practices of XXXX XXXX and Comenity Bank. We made furniture purchases there under their XXXX month interest free which was heavily promoted by the staff at XXXX XXXX. We have been making regular payments to our account and have actually continued to support the company. Last month we realized that Comenity added large amounts of interest to our balance. Approximately {$3000.00} to be exact. When I called to speak to them about it, they noted that their program is actually a deferred interest program NOT an interest free program as is promoted by them and in the stores. This means that they take the interest accrued over the past XXXX  months ( calculated on the original balance even though payments have been made ) and add a lump sum to the account. I spoke to a supervisor at the credit card company for a long time to address the issue. I actually made a payment for the balance on the goods I purchased in FULL ( A ~ {$5000.00} payment ) while on the phone with them. The supervisor understood my concerns because it is an issue they are faced with often since most consumers are mislead to believe they are entering a typical interest free agreement. The supervisor escalated the issue as a dispute to Comenity Bank. I have now received a letter from Comenity Bank stating that they will not forgive these interest charges despite the fact that they are misleading consumers at the time of purchase and are making minimal effort to clearly inform the consumer of the consequences of this particular plan. I am writing to CFPB so that they may address this issue and help other consumers from falling into this same trap. 
Thank you for your time!

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2015 about Debt collection (Credit card) with AMERICAN EXPRESS COMPANY (IL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: AMEX XXXX XXXX XXXX XXXX TO HARASS US WHILE COLLECTING A DEBT BELONING TO XXXX AND XXXX XXXX. KEPT SKIP TRACING, CALLING WORK, CELL AND HOME NUMBERS.AMEX IS IS LABELING THIS AS MY HUSBAND DEBT FROM CHAPTER XXXX BANKRUPTCY MORE THAN 15 YEARS AGO.THEY BOTH ARE VIOLATORS OF FDCPA, S.O.L. TCPA ETC..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/13/2015 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I am confused By XXXX Information. 
What company am I dealing with and why are They Falsely Reporting information on my Credit Report Timelines? 
1 ) Is it XXXX? ( EXHIBIT B ) 2 ) XXXX ( EXHIBIT A ) Was this Account/Loan Transferred? EXHIBIT ( A ) under DescriptionWas this Account Foreclosure Redeemed? ( EXHIBIT ( C ) XXXX Remarks ) Was it Reclaimed by Credit Grantor ( EXHIBIT ( C ) XXXX RemarksWho was the Credit Grantor and why have I not been Notified if Changed? 
Where are the assignments? 
Why are they Violating FDCPA, FCRA, TILA, Rosenthal act, RESPA and why is Ok to Flat out LIE when asked for Verification and Validation of Information

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Credit determination

Complaint: I applied for Kohls credit card and they denied stating that they were unable to verify my SSN. but I see a hard inquiry on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2017 about Debt collection (Payday loan) with ROC Asset Solutions, LLC (IL).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: API collection agency contacted my parents on XX/XX/2017 demanding that I pay my debt immediately. My parents contacted me and I contacted the agency. They demanded that I pay the debt owed by today XX/XX/2017 or they would be forwarding my case on to the county. The amount owed is {$280.00} and they are stating they can sue me for up to {$3000.00} including court cost and attorney fees. When I asked why I had n't been receiving any mail on this matter they stated they had been sending it. When i requested to what address they stated an old address for me and told me it was my fault that they did not have a current address. They are also accusing me of purposefully defrauding a financial institution. I have paid {$600.00} on this debt to date. They also claim that they are a mediation service, never stating directly that they are trying to collect a debt. They also claim to have recordings of all of our conversations but do not have a phone call monitoring disclosure.

Company response to consumer: Untimely response
Consumer complaint received 05/30/2016 about Mortgage (FHA mortgage) with SUNTRUST BANKS, INC. (MT).
Issue: Loan modification,collection,foreclosure

Complaint: The day after my mortgage payment was do in XXXX my mortgage company started calling and harassing me on a daily basis. At least 6 times a day and I would hang up the phone with XXXX and another would call and a rep for mortgage co. told me if I want them to quit then pay my bills. They call late at night and on weekends. I called XXXX XXXX to pay XXXX mortgage payments in full and they refused to accept them, as they stated they wanted all XXXX. Which my payments are do the first and I was well with in my grace period. I was told not to fill out the hardship package because it would not do any good, Ive owned my house only 10 months not a year. I lost my XXXX job a month after I closed on my house and explained this to them over and over.

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 06-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: There is wrong information appear in my report. I demand to see verifiable proof of the accounts you listed  XXXX   XXXX  CT NJ  XXXX  -  XXXX   XXXX  Account #  XXXX    XXXX   Account #  XXXX  ''  XXXX   XXXX   XXXX  Account #  XXXX    XXXX    Account #  XXXX  ''

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2015 about Credit card () with CITIBANK, N.A. (OH).
Issue: Balance transfer fee

Complaint: This is a continuation of case # XXXX where upon rectifying issues on prior complaint, I have now been charged additional fees. When Sears reallocated my XXXX payment to 1 ) pay in full the revolving debt of {$1500.00} and 2 ) apply the remaining payment toward the deferred billing of {$1100.00}, I was charged {$16.00} to do that. Sears treated my money as if I did a balance transfer toward paying the deferred bill. Sears took the {$16.00} out of my payment. I called Sears. Spoke with their dispute department and was told she could not do anything to help me with Balance Transfer Fees. I explained that this was how Sears handled my money to allocate in a fair-practice way. She reminded me again that when you do a balance transfer over the phone ( which I did n't do over the phone ; I used their convenience checks ) that the operator reads pages and pages of disclaimers. This is a nightmare that does not end.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 04-09-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I had a mortgage with XXXX XXXX XXXX. The loan servicing was transferred to XXXX in XX/XX/XXXX. I have since refinanced that loan with a new loan from quicken as of XXXX XXXX. XXXX is showing the account as an installment and delinquent and trans union is showing is as a delinquent open mortgage. This account should be closed and reflected as a closed mortgage. This inaccuracy is impacting my current score and causing me to get charged higher costs for things such as my car insurance and higher interest rates. Please make them fix it or remove 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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IN).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: Equifax had a serious data breach. Affected are 143 million " customers. '' In order to find out if we 're affected, equifax put up a web page telling people what to do. They show three links ( please see attached jpgs for screenshots ) on this webpage https : //www.equifaxsecurity2017.com/ " Potential Impact, '' " Enroll, '' and " Contact Us. '' Clicking on " Potential Impact '' takes you to another screen that describes how to check if one 's data has been compromised and states that one will have an opportunity to register for Trusted ID Premier, a credit protection service. Clicking on " Check Potential Impact '' takes one to the screen where one enters one 's Last Name, the last 6 digits of one 's SSN. Last night, when I checked my data, instead of seeing the screen that stated whether or not I had been affected, the system told me I was automatically enrolled in Trusted ID Premier. I was not given a choice. 

Enrolling in Trusted ID Premier without my consent has waived my right to sue Equifax for damages. I did not consent to that. The web page did the very same thing for my husband as well. The image titled " auto-enroll in Trusted ID.jpg '' shows the progression of how the screens interacted with each other.
We do n't want to enrolled in Trusted ID Premier. We never wanted to be enrolled in Trusted ID Premier. Neither I nor my husband consent to waiving our rights to sue Equifax.
They should not be enrolling people automatically. It is unethical and immoral and probably illegal. I demand to be unenrolled in Trusted ID Premier. My husband demands to be unenrolled in Trusted ID Premier.
We also demand an investigation into Equifax to determine whether it acted unlawfully in delaying to notify people of the breach so that executives could participate in the stock sale. See the XXXX XXXX article here : XXXX XXXX  XXXX for more details on that.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2016 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax has not removed false credit items from my credit score. The false items have been disputed and settled.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2015 about Bank account or service (Checking account) with FIRSTBANK PUERTO RICO (PR).
Issue: Deposits and withdrawals

Complaint: I still waiting for a responses. The bank still sent me the same email indicating the same, that they are going to investigate, and for how long they need to investigate since I open this case in the bank on XXXX XXXX, 2015, and do n't have any responses. Please help me and stop this abuse. 

Sincerely, XXXX XXXX from my iPhoneOn XXXX XXXX, 2015, at XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX ; XXXXXXXXXXXX & gt ; wrote : The company has provided a partial response to your complaint number XXXX describing the steps taken so far to address your issue. They stated they are still working on your issue, and you should hear from them again within 60 days. 

View the details of your complaint and the company 's response so far at : XXXX will let you know as soon as we receive an update about your complaint. 




Thank you, Consumer Financial Protection Bureau consumerfinance.gov ( XXXX ) XXXX ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: Equifax is refusing to investigate claiming that they already have and will not do it again unless I have new information. I have rewritten all of my dispute letters with updated information and they are still refusing to investigate and remove the inaccuracies on my report and credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NM).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I graduated with a XXXX XXXX in XXXX and began paying on my student loans shortly thereafter. As such, I was counting on having my loans paid off by the 20 year mark this year, XXXX. In XXXX, XXXX I called Navient who was my loan servicer to confirm my payoff date and was informed that I had consented to a " Refinance '' into a " Right Rate '' loan product in XXXX. As I could not recall doing such a refinance, I asked the representative to send me a copy of any and all documents relating to the transaction. Navient sent out a Promissory note with a signature that was not mine. It was my name on the promissory note, but the signature was not mine as I had never consented in writing or otherwise to a refinance. I called to dispute the details of the promissory note and the extended re-payment terms, but the representative said there was nothing he could do about it. In XXXX, XXXX I moved my loans to XXXX XXXX. I feel as though I was defrauded by Navient resulting in thousands of dollars more in payments and that the remainder of the loan should be dismissed or forgiven.

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Debt collection (Mortgage debt) with Hunter Warfield, Inc. (MO).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: On XXXX 2017 my credit report revealed HUNTER WARFIELD INC, a collection company had submitted a debt in the amount of { {$3100.00} } to credit bureaus. These credit bureaus are reporting said debt, which these individuals have no right to collect on anything that was not provided to me with basic protections under the FCRA. I was threatened with legal action and various other actions and threats after I requested validation and verification of debt owed and also willing to pay if the account amount was correct. But when I left the apartment complex I did not owe anything and I feel as if I am being harassed and forced into repaying a debt that I do not owe and was told by the property manager that nothing was owed. I feel this violates the safe collections practices and it does violate FDCPA. With this being on my credit report it is affecting my approval and credit score. Additionally, this collection agency may not have the authority to collect on said alleged debt. I want this removed off all three of my credit reports

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NJ).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I consolidated my student loans to Direct Loans in order to qualify for a loan forgiveness program.  Navient was given my Direct  loans. On  X/XX/2017   , I go to make my first payments and I choose to pay the  XXXX   XXXX , a private loan throug h Navient, a nd  XXXX  of the  XXXX  consolidated loans,  XXXX  amounts :  XXXX  $ and  XXXX   . I  go in to pay the other loan and noticed the loan due date did not advance on the student loan I paid.  Navient had  applied both payments to  XXXX  loan. So, I try working with customer service person to get the payments correctly applied. On  X/XX/17   , I pay the other loan according to what is on their website,  XXXX   . T hey apply the payment to the  XXXX  college loans and had reallocated the first payment incorrectly so I showed a delinquency on the training loan. I fe el Navient is at tempting to prevent borrowers from taking advantage of loan forgiveness programs by manipulating payment histories to reflect non-payment. I feel that the application of payments are contrary to what the borrowers believe are being done, by applying them to whatever loans they feel like instead of what the borrower has, causing borrowers great inconvenience and confusion by having to call to get funds reallocated. Furthermore, on the private loan, the associate and the manager treated me like I was willfully trying to get out of paying my payment when I was trying to figure out why amounts I had paid were not properly allocated. I will admit I was annoyed and rude, but it seems my dealings with Navient are constantly at odds based on how they handle payments and them giving me conflicting information on how to reapply for income driven or income based payment options. I feel Navient uses unfair, deceptive and abusive practices with borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2017 about Debt collection (I do not know) with Executive Credit Management, Inc (WA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On  XXXX   XXXX ,  2017  I sent Executive Credit Management , Inc a certified letter regarding an account reporting negative to my credit report. The company stated that I owed them {$1200.00}. I do not know this company nor have I ever did business with this company so I sent a validation letter requesting what I owe, how the amounts were calculated, copies of papers that show that I agreed to pay what they claim I owe, and I also requested their license to prove that they can collect in my state. On  XXXX   XXXX ,  2017 ,  XXXX   XXXX  from Executive Credit Management , Inc replied to my letter with confirmation that she received a notice from   XXXX   credit bureau regarding my dispute and attached a statement balance  and two papers  from a lease from another company which indeed stated nothing about Executive Credit Management , Inc. Which in no way was validation to the debt I allegedly owe. On  XXXX   XXXX ,    2017  I requested for t he SECOND ti me debt validation with proof of a full lease and legal documents with my signature in contract with Executive Credit Management , inc company or remove the alleged debt from my credit report immediately. On  XXXX   XXXX ,  2017  I then receive another letter from  XXXX   XXXX   ( Manager )   at Executive C redit Management dated  XXXX   XXXX ,    2017  that she received my request for documentation validating a listing on my credit profile for a collection. She is now claiming that the account number is missing the last  XXXX  numbers and she needs more information to find my file, the date they reported this account to my credit report, and the amount of the collection they say I owe.  XXXX   XXXX  mailed me a letter on  XXXX   XXXX ,  2017  with the valid account number from my credit report and when I asked for validation again on  XXXX   XXXX ,  2017  now she is unable to locate my account and now she needs more information from me. I have requested validation twice from this company and I am dealing with the same person,  XXXX   XXXX   ( manager ).

Company response to consumer: Untimely response
Consumer complaint received 03/22/2017 about Credit card () with PORTFOLIO RECOVERY ASSOCIATES INC (NE).
Issue: Payoff process

Complaint: Tried to utilize a debt consolidation company ; things got worse. Filed for bankruptcy and had to voluntarily dismiss due to high IRS debt that ex husband was paying his half. 

Reached out to Portfolio Recovery to offer $ XXXX month payment and also have collection status come off of credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2017 about Debt collection (Auto debt) with CAINE & WEINER COMPANY, INC. (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: XXXX XXXX sent this debt to a collection agency. The agency advised me the debt was made up of {$150.00} for the service and {$12.00} NSF fees. I spoke with XXXX at XXXX XXXX XXXX at XXXX. Then I called XXXX XXXX to discuss the amount owed. XXXX told me the only fee they had {$10.00}. They could not tell me what the {$2.00} came from. Apparently, it was for some monthly servicing charge I was not aware of. Then, I requested to speak with a manager ( XXXX XXXX ) who told me my last bill was charged {$0.00} fee for the state of TX. Then, he said it equates to {$1.00} per car. However, this does not equal {$2.00}. I requested the debt be brought back in house to pay and the fees be waived. The rep told me no and I could pay the full amount. The collection agency told me I could dispute it with XXXX with their dispute department. However, XXXX stated they have no such department. I have been attempting to speak with customer service who is not very service friendly. XXXX stated that the collection agency may have tacked on additional fees. XXXX told me they were not. I am challenging this complete debt is valid since no one can explain the fees.

Company response to consumer: Closed with explanation