milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/25/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: they have been calling me at least XXXX times a day. They were deliberately disguising their business name as " XXXX '', which is a wireless phone company, in order to try and dupe me into picking up. I only found out today cause I picked up thinking it was basic talk trying to sell me something, only to be told it was midland funding , LLC calling about my debt. This is extremely underhanded and I would like this company to know that if they keep calling me several times a day and continue to mask their name I will take them to court for harassment and underhanded tactics. thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/25/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: I received a promotional offer for m Citi Aadvantage pro gram that incudes  XXXX  promotional miles. I called to confirm that I will receive the miles and was told yes.   Then, 3 month later, when I met the requirements of the promotional offer, I was told I will not receive the miles.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Closing on a mortgage

Complaint: Complaint again st Ocwen Financial Corporation Date   XXXX / XXXX / XXXX  It is with some urgency that I write to you about  Ocwen Financial Corporation.  Apparently, they hold a Deed of Trust against my property at  XXXX   XXXX   XXXX   XXXX ,  XXXX  Ca  XXXX  and appear to be unwilling to remove this lien even though I have never held a mortgage with this company and do not owe them a penny.   On  XXXX / XXXX / XXXX  my wife and I signed documents for a mortgage with a company called  XXXX   XXXX   XXXX  but then was offered a better mortgage package at a much better interest rate with   XXXX   XXXX   XXXX   a day later. I then rescinded the mortgage with  XXXX   XXXX   XXXX  within the 3 days allowed and the mortgage was never funded but they still went ahead and filed a Deed of Trust against my property without cause.   XXXX   XXXX   XXXX   went out of business later that year.  Ocwen Financial inhe rited some of   XXXX   XXXX   XXXX   book of business and the lien was transferred from  XXXX   XXXX   XXXX  to  Ocwen Financial.    I have never had any business with  Ocwen Financial,  they do not have me in their system, and they have no account number or any knowledge of any existing debt to them owed by us. Our home loan with   XXXX   XXXX   XXXX   was sold to   XXXX   XXXX   who is our current lender and holder of our legitimate lien.   My wife and I are currently refinancing our mortgage with  XXXX  and when they did a title search six weeks ago,  XXXX  found this second lien. There have been repeated attempts over these last  six  weeks by  XXXX   XXXX  of   XXXX   XXXX   (  XXXX  ) to get Ocwen to remove this fraudulent lien. After sending faxed documents and emails confirming that they have no legal right to hold a lien against our property, there has been no response. I was just notified last week of this situation and tried callin g Ocwen Financial pe rsonally.  XXXX  ( #  XXXX  ) assured me that they would respond within  24-48  hours, which was the same response  XXXX   XXXX  received. I have no confidence that I will be treated any differently.   My wife and I are supposed to sign final documents for our refinance on  XXXX   XXXX ,  XXXX  to secure an affordable monthly payment. The lien held by  Ocwen  is preventing our closing of the loan on that date and the new payment without the refinance will put a significant financial strain on the household. This Lien also takes away the option to sell our property if needed.   Resolution.   We ne ed Ocwen Financial to remove this lien within the next five days for us to close the  refinance with  XXXX  Mortgage. If they remove it past that time, then they should reimburse any out of pocket expenses due to not closing the refinance with  XXXX  by  XXXX   XXXX ,  XXXX .  Ocwen Financial Lien Release  Department had  6 w eeks to resolve this issue and have completely ignored our repeated request to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2016 about Debt collection (Medical) with Firstsource Advantage, LLC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: One Advantage Debt Account # XXXX was paid in full amount {$54.00} on XXXX/XXXX/16 via mastercard to creditor XXXX XXXX XXXX directly. 

However, One Advantage fails to acknowledge that the debt is paid in full. I have asked them to contact XXXX XXXX directly to confirm full payment, yet they fail to do so.

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 08-09-2016 about Debt collection (I do not know) with CAVALRY INVESTMENTS, LLC (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have been trying for a while to validate an item that they are wrongfully reporting on my credit history. I have been very clear about the information I need but have n't received the information I requested. I do not have a contract with them nor the creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2017 about Credit card () with U.S. BANCORP (TX).
Issue: Rewards

Complaint: I have an open and current account with US Bank for the XXXX XXXX XXXX XXXX XXXX XXXX. 

In the XXXX 2017 statement for my card, I observed a discrepancy with the calculation for earned XXXX rewards points for the charitable donation transactions. 

According to the program rules for the XXXX rewards program, the XXXX XXXX XXXX card earns points " at a rate of XXXX XXXX per every {$1.00} in Net Purchases during each billing cycle for any merchant location that classifies itself as a XXXX. '' All the transactions on that statement were from merchants that classified themselves as a XXXX, according to the report on the statement generated by the ScoreBoard tool available in my US Bank online account. With a closing balance of {$1200.00} on the statement, I expected to receive XXXX XXXX XXXX = XXXX XXXX points for those transactions. Instead, my statement only reported XXXX XXXX points earned for that activity. 

I believe that XXXX transactions for XXXX XXXX XXXX totaling {$690.00} were not counted as charitable donations, which would account for the discrepancy I observed. 

On XXXX XXXX or XXXX XXXX, 2017, I used the " Email Us '' contact form in my US Bank online account to request an adjustment in the number of XXXX points earned to be consistent with the XXXX program rules, in light of the observations I made. This contact was acknowledged in an e-mail reply I received on XXXX XXXX, and on XXXX XXXX, I received a letter in the mail from " Cardmember Service '' in response to the request I made stating that " XXXX XXXX XXXX is not an eligible service organization '' and therefore, I would not receive bonus points due for charitable donations. 

I did not receive any explanation for why this determination was made, given the program rules and the observations I made, so I am wholly unsatisfied with this response from US Bank and I feel that my complaint did not get due consideration.

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 08-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: The balance on my XXXX credit card has been reported inaccurately since XXXX 2017. I contacted TransUnion and XXXX to correct this problem on XXXX XXXX, 2017 and again after the disputed results remained inaccurate. The balance on the account has been {$0.00} for over a month and I submitted the XX/XX/XXXX bill to TransUnion with all transactions and {$0.00} balance as proof. XXXX reports are accurate in both XX/XX/XXXX and XX/XX/XXXX and shows a {$0.00} balance. TransUnion shows a balance much higher than my credit limit, as owed. This inaccuracy continues to negatively impact my credit score.  The TransUnion File # is 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 04-04-2018 about Debt collection (Other debt) with Allied Collection Services, Inc. (Nevada) (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: This Request is Regarding a Debt that was Paid in Full inXX/XX/2012. 

In the year of XX/XX/2012, I opened a cell phone account for my son with XXXX cellular service that was sent to your collection. My son switched companies taking on the responsibility for his own cellphone service not realizing that we would still be subjected to the XXXX contract and his new one. I am sure XXXX explained the policy to him, but he was not able to maintain the payment with XXXX and the payment with his then new cellphone company. Unfortunately, my son didnt explain this to me and he allowed the account to go too long without payment so it was sent to collections. I was in the process of buying a home when I found out and I was horrified. I paid off the balance immediately hoping it would not negatively impact my credit and chances of becoming a homeowner. Unfortunately, it showed up on my credit report later. 

After almost six years this collection account has hurt my credit score and put me in positions with little negotiating leverage. Today, I can not reasonably afford a vehicle for my daughter who is currently attending college, because of high interest rates. I accepted the responsibility for the debt and paid it off in full inXX/XX/2012. 

I contacted Allied Collection Services today seeking their support with this matter and was told that they could send me a letter stating that the debt was paid in full. My conversation with the representative lead me to believe that I might be able to seek your help with my request for a goodwill removal of the derogatory report. 

I would like to humbly request that CFPB have some mercy on me and assist me with acquiring a Goodwill Adjustment to remove the Allied Collection account from the credit reporting agencies? Your kind gesture would be sincerely appreciated by my daughter and me. I would like to thank you in advance for any help you may provide in my quest to achieve credit freedom. 

Thank you!

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 02-03-2017 about Debt collection (Mortgage) with The Regional Adjustment Bureau, Incorporated (WI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XXXX/XXXX/17 I obtained a copy of my credit report from XXXX and noticed that XXXX has allowed a collection agency named Regional Adjustment Bureau to insert in and duplicate a debt that is already listed on my credit report with the XXXX. SO now the debt is listed twice! Different amounts different dates! What is happening is that the original company ( XXXX XXXX ) account is near its time of deletion from my report, and they have sold my account to a collection agency in which I have " NO CONTRACT WITH '' and now the debt is listed twice! A clear violation of law! Regional Adjustment Bureau has illegally added this debt to my credit report. Every few months another company buys the debt which now its ( Regional Adjustment Bureau ) reinserts it changes the dates and amounts and list it negatively on my report again. Most recently they have not payment history for the last 2 years but have the debt listed as being open in XXXX and a balance of XXXX as of XX/XX/XXXX. This is NOT true and a total lie in an attempt to ruin my credit. I have NEVER received any correspondence from Reg Adj Bureau and want this removed from my XXXX Credit Report asap! This is against the law. They have violated the FCRA Section XXXX ( a ) ( 3 ) and FDCPA Section 807 ( 8 ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/17/2016 about Bank account or service (Checking account) with PNC Bank N.A. (IL).
Issue: Account opening, closing, or management

Complaint: Have not received bonus yet. Reps from bank can not add the numbers and I have met all the requirements for bonus. No real answer or time frame.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01-11-2017 about Credit card () with SYNCHRONY FINANCIAL (AZ).
Issue: Sale of account

Complaint: On XX/XX/XXXX16 I shopped at an XXXX store wherein I had a large purchase. During the checkout process, the cashier said that if I applied for a store credit card, I would save 15 % off my transaction and I really should do it based on how much money I was spending. I said " No thank you, my husband will kill me if I opened a credit card, I will pass. '' The cashier said that I had the option to fill out the application but I do not have to submit it. This obviously sounded too good to be true but she ensured that she would n't be submitting any app since I declined and I would be using my card for the purchase. I took it as an employee thing where they just need to show filled out applications to show that they were offering it to customers. At the end of my transaction I again confirmed that I was not submitting any application and I was assured that I was n't. I swiped my card, signed for the transaction as I was told and went on my way. I did not realized that I was lied to about this until later receiving a card in the mail. I immediately contacted the credit card company on XX/XX/XXXX16 and explained what happened. I was told by the representative that they would close the card AND DELETE THE ACCOUNT OFF MY CREDIT REPORT. I explained that I did need to return some items ; therefore, the rep instructed me to return them on the account and then contact them back to proceed with closing the account and removing it from my report. I went to the store the same day and made the return as I was instructed. A few days later I contacted the company back to proceed. This is when the associates became rude and combative stating that I agreed to terms and signed for them. This is untrue as I was told I was signing for my purchase on my card and I was n't submitting anything! So essentially, it 's not safe for me to shop at old navy unless I use cash only because I would have no way of knowing what I am signing for because the reps selling the credit card lie. I escalated my concerns with the credit card company and they advised they would investigate this but it would take 60 days. I just received a letter in the mail stating the card will remain on my credit file as I agreed to open it. This is again false. I am confident in my rights as a consumer and very familiar with the laws. I know that per FCRA a financial institution is not required to report an account, but if they do then they must report accurately. Therefore, there is no reason why they will not remove the account that I never even authorized to be opened in the first place. Especially after I was told by their company that they would delete it originally. Why is this call not being reviewed and why are they not holding themselves accountable?

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 04/16/2016 about Credit reporting () with Experian Information Solutions Inc. (KS).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: A collection has shown up on my experian and XXXX that is from XXXX, a company in kansas that provides electricity for homes and business. This collection is not for me, it is for my ex-fiances home. I was living with her from around XX/XX/XXXX until XX/XX/XXXX, and there were certain months that i would pay her bills buy putting them on my debit card if she was having money issues and also i was using the electricity also. The account was in her name, but since i had paid it majority of the months using my card, when she allegedly defaulted after we had split up and they could not get money from her they attached a collection to my credit reports. I have tried unsuccessfully to reason with the original creditor and the credit reporting agencies. The ironic part is i have XXXX at my home now, If i actually owed them any money, why would they have gone and given me another account years ago. This collection has hurt my overall credit profile with regards to obtaining preferable financing on homes and business loans, and on more occasions than i can remember cost me from obtaining new lines of credit with banks. My desired resolution to this issue is for experian and XXXX to remove this inaccurate collection from my accounts.

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 12/15/2016 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have a hospital bill from XX/XX/2016 that my insurance for some reason would not cover. I was not properly notified of this due to change of address, so the bills did not reach me. My credit score just dropped from a XXXX to a XXXX. I never had a problem with resolving the bill before it reached this point, had I been properly notified. Also the balance amount of the account is {$780.00}, not {$790.00} as the collection agency reports. I would like this removed from my credit report as soon as possible. I have never missed a payment or not paid a bill. I am trying to buy a house and this drastically affects me in a negative way. thank you Old address XXXX XXXX, NJ XXXX New address XXXX Route XXXX, NJ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Ad Astra Recovery Services Inc (TN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I file 2 comp laints within    2017  with  Ad Astra Recovery Service within  the last year to delete the inaccuracy on my credit reports. The account is not mine. I never had a account with them or the company they are representing. The have not deleted the account and its causing a negative impact on my credit report and  credit score. I   also file a complaints via the Better Business Bureau on   XXXX  17   and Ad  Astra Recovery Service r efuse to remove the account and also on  XX/XX/2017   . The amount that is showing on my credit report : {$600.00}. I do not not have a signed contract with  Ad Astra Recovery . I asked them to provide a contract between this collection and I and they have yet to provide this info. Mainly because I do no t have one

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Debt collection (Payday loan debt) with Evergreen Acquistions, LLC (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: Was contacted and left message informing me t

hat I was to pay and old pay da y loan with Evergreen Acquisitions that represented some lawyers. Debt was said to have been bought off from original lender and was now their righ t to claim all due debt.

Company response to consumer: Untimely response
Consumer complaint received 06/14/2015 about Debt collection (Medical) with Credit Systems International, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX ( XX/XX/XXXX ), I paid {$140.00} to the XXXX with my XXXX XXXX XXXX card. It showed as " XXXX TX '' on my XXXX XXXX XXXX statement. 

XXXX ( approximately ) A debt collection agency called Credit Systems International called me and told me that I owed them that {$140.00}. 

XXXX ( XX/XX/XXXX ), I sent proof of payment to Credit Systems International ( CSII ) that I had made the payment. 

XXXX ( XX/XX/XXXX ), CSII contacted me again claiming that I owed them for that debt. 

XXXX ( XX/XX/XXXX ), I called the " XXXX XXXX XXXX XXXX '' and got confirmation from them that my balance was XXXX and I had paid them everything. I spoke with 'XXXX. ' At XXXX she claimed that I did owe ; but then when I asked, " if my payment was not for that cost, what other instance of service was there? '' she proceeded to look further in a XXXX database and confirmed that I had indeed paid the full amount She told me that they would contact CSII to inform them of the error. She gave me a payment confirmation number of XXXX. ' Also, she gave me the Payment Reference Number of XXXX. 

XXXX ( XX/XX/XXXX ), CSII contacted me again claiming that I still owed them for that payment. I personally informed them of my conversation with " XXXX XXXX XXXX XXXX. '' I asked CSII if they had pressed XXXX XXXX XXXX group to look in the second database, and CSII said they knew nothing of that. I told them that they needed to press further with " XXXX XXXX XXXX XXXX '' to get the right answer. 

XXXX ( XX/XX/XXXX ), CSII contacted me again claiming that I still owed them for that payment. They claimed that the " XXXX XXXX XXXX XXXX '' claimed that I still owed them. 

XXXX ( XX/XX/XXXX ) I learned that CSII had reported me to the credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2017 about Debt collection (Payday loan) with Alliant Capital Management LLC (WI).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I received two messages from XXXX, whom called from a local number XXXX on XXXX and XXXX in her message she Indicating I needed to call her immediately before she proceeds with legal action against my name and social security number, she did not leave the name of her company however asked to call XXXX ext XXXX. 

I did call the number and a gentleman explained that they are collecting a debt on behalf of their client in the amount of XXXX. He would not provide the company name or any other information. He did agree to send a debt validation letter. What is concerning is the address for the letter is to a XXXX and the current creditor is from a company I have had no contact with either by phone or mail. I XXXX the phone number and found numerous complaints on XXXX and XXXX.

Company response to consumer: Closed with explanation