milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/23/2016 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Other

Complaint: Even though I have been making frequent on time payments, American Express has significantly lower my credit score over XXXX points. I did not know that I had a charge card and had to pay off the entire amount every month. I never knew or had that understood to me. I made consistent payments but they considerably damaged my credit score. I think this practice is deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2016 about Debt collection (Medical) with Receivables Management Partners, LLC (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: i was called on XXXX/XXXX/16 on my cell phone i returned the call to XXXX and they stated that i had a medical bill from XX/XX/XXXX, i tried to explain that i havent been to this place and XXXX insisted that i was the patient and they would not provide me with validation of the debt because the 1st collection notice was already sent and i must dispute and request this in writing. they called me again on XXXX/XXXX/16 i tried to explain that i have not received the validation of this account still as i did n't have a debt with them. they said they dont have to send me this and threated credit reporting my call was transfered to XXXX XXXX the manager and he said they wo n't send me anything unless i put it in writing the dispute. I 've tried to explain several times that i was n't the patient and had no idea

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: XXXX yrs of payments not showing in XXXX report vs 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 06/18/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (WA).
Issue: Loan modification,collection,foreclosure

Complaint: INTERNET COMPLAINT RECEIVED BY THE ATTORNEY GENERAL 'S OFFICE ON XXXX/XXXX/2015 XXXX XXXX XXXX XXXX XXXX XXXX, WA, XXXX Phone : ( XXXX ) XXXX Email : XXXXXXXXXXXX Name/Firm/Company : ocwen loan servicing Subject/Category : mortgage modification process Street Address : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, FL XXXX XXXX XXXX Phone : ( XXXX ) XXXX Website : XXXX Questions/Comments : My family and I are experiencing a financial hardship. I have been trying to process a modification application for the last 6 months and ocwen has made it impossible. 
Ocwen has refused to process my application. Ocwen continually looses documents that my wife and I submit to them for the application process. 
Then when I verify that they have received the documents, they ( ocwen ) will switch my process application to a different account manager who has to start the process all over again. Again this has continually been going on for 6 months. 
This hardship is due to loss of employment as I had to take an early retirement which resulted in a loss of substantial income. 

The desired outcome is to have ocwen financial services process a mortgage loan modification plan which would substantially help our family through this financial hardship

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2016 about Student loan (Non-federal student loan) with TRANSWORLD SYSTEMS INC (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: Transworld XXXX is servicing a debt collection for XXXX XXXX. They did not post the correct amount owed on my credit report for over 36 months, even as I was paying them hundreds of dollars a month to pay down my balance. I have never authorized them to call my office and have expressly denied allowing them to call my work number and yet they wo n't stop calling my office line, which may threaten my employment.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2015 about Debt collection (Credit card) with CAVALRY INVESTMENTS, LLC (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: ATTORNEY FOR CAVALRY KEPT CALLING, SKIP TRACING AND SERVICING LAWSUIT TO WRONG PARTY IN VIOLATION OF TCPA AND FDCPA ETC.. 

DEBT OWNER IS ESTRANGED SISTER-IN-LAW.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-01-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.Q. DATA INTERNATIONAL, INC. (WA).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: While I was in XXXX and then on XXXX XXXX in XXXX from XXXX-XXXX, XXXX roommates that I had been living with left the apartment without my knowledge. When I returned home, I no longer had contact with the roommates and several years later, I started receiving harassing phone calls from IQ Data Int'l. They kept asking me for contact information for the XXXX former roommates, which I did n't have. They accused me of lying, they yelled, they told me I had to pay the outstanding debt immediately, otherwise they would n't " give me a deal '' and then they threatened to sue me. 

When I explained that I was in XXXX and did n't receive any notification that my former roommates left, they said " that does n't matter. '' They kept cutting me off when I tried to explain I was n't even in the country and the representative from IQ Data said " You need to stop talking and listen me. '' They would n't let explain and they just kept yelling at me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have been denied several times due to a bankruptcy issue that occurred back in XXXX XXXX. This bankruptcy should have been removed off my credit report in XXXX. Trans Union is reporting this information incorrectly. And because of this my credit scores are low too. I was under the understanding that bankruptcy 's should be off the report in 7 years and removed after 10 years. But obviously this is not the case. I should not be suffering any longer on this part of my life that happened over 11 years ago. Please rectify this and get my credit back to where it should be. 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 06-12-2015 about Debt collection (Payday loan) with COMMUNITY CHOICE FINANCIAL, INC. (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XXXX they started calling a number that was not my primary number. Then they started calling my references before they tried calling me. They also use a different number every time they call me. XXXX, XXXX, XXXX. This is just XXXX of them. They are getting more aggressive each time they call. They have called XXXX times today alone. I get paid XXXX a month they know this. I ca n't pay until next month. There is nothing else I can do.

Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2015 about Credit card () with CITIBANK, N.A. (NJ).
Issue: Billing disputes

Complaint: follow up to citi bank good year card complaint. i will be unable to use my card again. and i wanted to report that about a month ago i was told i had until XXXX but in the response it did not say that. i now have until XXXX XXXX with no interest. we are having a law made and created about illness that is catastrophic since banks have to change how greedy they are. please confirm i have til XXXX since i am repeatedly told things not documeted in the notes that someone else after the call does not see. WASTE and improper use of my time. i have until XXXX XXXX with no interest. 
i do not need credit counselling resent the info that i do i needed and did not get loyalty so i will act accordingly. 
all banks do instead of getting to know the customer is throw things in your face. no one dies with money stop the greed.the answer i got from citi good year card means i can not use it again. to give me XXXX dollars off would have been good business instead they pay someone NOT to help a customer exactly what the definition of waste is will not support it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On or about XX/XX/XXXX I contacted transunion to dispute inquries on my credit report and noticed an extreme amount of inquries on there. I asked them to be removed due to me not given authorization for any company listed below to run any credit. I was told that I was not able to have them removed off of my credit report. XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX of XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: LATE PAYMENTS ARE REPORTED ON STUDENT LOANS WHICH WERE IN DEFERMENT AND THEN LATER CONSOLIDATED. LATE PAYMENTS NEVER REMOVED AND IT IS NEGATIVELY AFFECTING MY CREDIT SCORE. DEFERRED LOANS CAN NOT BE LATE, WHEN NO PAYMENTS ARE DUE. 

XXXX XXXX OVER 20 ACCOUNTS SHOW LATE PAYMENTS.

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 04/27/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (MA).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I was a student of  XXXX   XXXX  from  XXXX . During that time the administration and financial aid departments encouraged me to fully finance my education through various loans and grants. The total 4 years of tuition, fees, etc. was close to {$100000.00}. Since graduating I 've paid this much towards the loans and grants, however the total balance is still over  XXXX  ... I believe the school acted in coercion with  XXXX   XXXX  and various other agencies, engaging in willful deceptive practices, and ensnaring underprivileged students in further poverty.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2018 about Debt collection (Credit card debt) with CITIBANK, N.A. (NY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX XXXX XXXX ( XXXX ) acting on behalf of Citibank contacted me between XX/XX/XXXX-XX/XX/XXXXto  settle my debt of {$5400.00} ( account ending XXXX ). I was told over the phone that it would be resolved for {$900.00}, which I payed to XXXX. 

My credit improved. ByXX/XX/XXXX, my credit score was raised from XXXX to XXXX. 

In XX/XX/XXXX this debt from Citibank reappeared in default, and my score suddenly plummeted to XXXX. 

Why is this being reported now? Either Citibank is mistaken or XXXX has violated the FDCPA. 

THIS COMPLAINT IS A REQUEST OF PHONE RECORDS FROM XXXX XXXX XXXX ( XXXX ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (GA).
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: Account was opened in XXXX and is still being reported as a negative closed account on my credit report. In addition, a payment history check will show the first delinquency on this account is over XXXX XXXX XXXX. This account should be deleted in totality. I asked for it to be removed entirely. according to the credit reporting laws accounts not paid as agreed or delinquent can not be reported after XXXX years.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2017 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: The collection agency agreed to remove this from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with TD BANK US HOLDING COMPANY (MA).
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint: XXXX XXXX order # XXXX for purchase & high wall mount install of 43 '' XXXX TV, XXXX XXXX Purchased gift for me by my son XXXX XXXX XXXX XXXX his credit card for XXXX XXXX XXXXnstall on XXXX/XXXX/XXXX. 
Delivery of wrong mount & reorder XXXX/XXXX/XXXX, correct mount BBY XXXX, additional {$200.00} cc. 
Install XXXX/XXXX/XXXX, XXXX to XXXX by XXXX XXXX XXXX XXXX --, demo ok, another $ XXXX & refused return-credit. 
Not touched after demo, no service XXXX next morning, spent entire day with all involved, no success. 
XXXX XXXX 's would not come until the following Tuesday XXXX/XXXX/XXXX order XXXX. Sunday XXXX/XXXX/XXXX my repair tech found the cable installed by XXXX XXXX tech XXXX -- broke at connection, too short. He installed a replacement 15 ' HDMi cable {$32.00} and 1 hour service call!. My appeals for $ $ $ Satisfaction and Application of XXXX XXXX  's Policies have died at the Store Manager 's level. Attachments support all the foregoing!

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2016 about Student loan (Federal student loan servicing) with Performant Financial Corporation (FL).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: On Wednesday, XXXX/XXXX/16, I received a call from, XXXX XXXX, a representative of Performant Technologies , Inc . The call was in regards to a past due balance on my student loan. I believe that the representative infringed upon my privacy and confidentiality rights and also violated the FDCPA. Before identifying who I was, she disclosed the amount of my past due balance and attempted to resolve my negative balance. She simply asked for me by name and went into details about my account. After discussing my account in detail, she asked me to verify my address, which I believe was her attempt at verifying my identity ; however, this does not adequately verify that she has the correct party. She also never disclosed that she was a debt collector when she was directly asked if she was. She used deceptive collection practices to coerce me into resolving my overdue balance. This phone call was full of FDCPA violations. I finally agreed to a forbearance and I 'm not sure if she even processed the forbearance for me.

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 05/22/2015 about Credit reporting () with EQUIFAX, INC. (OR).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: THIS IS THE SECOND TIME I ATTEMPTED TO GET MY CREDIT REPORT AND EQUIFAX HAS ASKED BOGUS QUESTIONS TO PREVENT ME FROM GETTING MY CREDIT REPORT ON LINE. NEITHER XXXX NOR XXXX HAVE THIS BOGUS INFO L ; LISTED ON MY CREDIT REPORT THAT EQUIFAX IS ASKING FOR. ALSO I AM XXXX WHAT THEY ARE DEMANDING I DO IS NOT ONLY TIME CONSUMING IT DISCRIMINATES BASED ON XXXX BECAUSE THE ONLINE REPORT ACCOMMODATES MY XXXX. WHEN I CALLED THEY REFUSED TO SEND ME A COPY SAYING THEY ALREADY SENT ONE. NOT TRUE. I AM UNABLE TO GET THE REPORT ONLINE, UNABLE TO ORDER IT BY TELEPHONE AND HAVE WEEKS OF DELAY WHEN REQUIRED TO MAIL A REQUEST. I WAS DENIED CREDIT BASED ON WHAT THEY SAY AND AM TRYING TO RENT A HOME. I CAN NOT AFFORD THE DELAY. THIS IS THE SECOND TIME I ASKED FOR MY CREDIT REPORT AND I NEVER RECEIVED IT. I AM ILL AND CAN NOT KEEP FIGHTING WITH EQUIFAX

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Debt collection (Private student loan debt) with AES/PHEAA (PA).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint: Sent letter to company requesting : contact info, employment status, quarterly wages, XXXX XXXX XXXX ID, asking to contact at work. 
Also signature of XXXX XXXX XXXX XXXX XXXX XXXX reveals that the letter references a collection attempt.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2016 about Debt collection (Credit card) with United Collection Bureau, Inc. (FL).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I received a call from United Collection Bureau or as they call themselves UCB. I was told that I have to pay my XXXX Bill immediately or they will pad lock my front door and the sheriff will be coming to arrest me. I then called XXXX of their offices, and spoke to a XXXX XXXX who claimed to be the XXXX. He became belligerent and cussed at me. He told me that is why I am in collections because I am a loser. My XXXX XXXX XXXX daughter heard this as the call was on speaker phone. She started crying and asked why this mean man was calling you a loser Mommy.

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 10-06-2016 about Debt collection (Medical) with Equidata, Inc. (PA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I had recieved medical care and my insurance covered 100 %. Medical center radiology at XXXX hospital claim I owe them {$38.00}. They will not tell me what for and have malaciously put the false information on my credit report dropping it from XXXX to XXXX. I called the collection company EQUIDATA, and they wont give me an answer and claim i must pay it. Nothing in a hospital costs only {$38.00} and they cant explain where this charge came from. I think they do this to everyone to scam money. I called my health insurance and they said the entire claim had been paid and there were no additional charges submitted and are sending me an itemized statement. They are committing a crime and its affecting my credit reputation. It needs to be removed asap or im seeking legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2017 about Debt collection (Private student loan debt) with JPMORGAN CHASE & CO. (MS).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: XX/XX/XXXX I called XXXX to make payments on four private student loans that I co-signed for my daughter. I advised that the payment the service agent quoted was incorrect. After being transferred to three different agents I was advised that the payment was correct and one of the loans had been in deferment and now due. Ask when did the loan come out of deferment they advised XX/XX/XXXX. I  immediately advised that I was not aware and nor had the previous payments made XXXX thru XXXX was I told a different amount was due. I requested that they review the recorded conversations to confirm that I was never advised that the payment had come out of deferment and I paid exactly what the agent quoted. I made repeated attempts to get the notices re-aged but to no avail. XX/XX/XXXX I sent a certified letter requesting the history be examined, the letter was signed for on XX/XX/XXXX and as of today I have not gotten a response. The notices caused my credit score to tank and which subsequently resulted in my equity line being closed and the payment increased, Visa closed along with an increase in my mortgage insurance and credit limit on another card slashed from {$3400.00} to {$250.00}. This has caused a total melt down and I have yet to get a response. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: XXXX charged my credit card twice in one month. I submitted proof of this to Capital One. On or around XX/XX/2017 acceptance now charged my card twice for a monthly payment on a credit account. I contacted Capital One and told them of the issue. Today, Captial one informed me that they were allowing the transaction to be rebilled to my account. The payment amount is {$150.00}

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

Complaint: On XX/XX/XXXX I opened an account with XXXX XXXX XXXX XXXX and the account was closed on XX/XX/XXXX, A derogatory remark was made on my credit report XXXX, Equifax, XXXX, stating that this account has a balance of {$2500.00}, and also that I have late payments XX/XX/XXXX of 120 days late I can not understand how this can be possible is the account was closed in XX/XX/XXXX and how can any account be reporting late for 120 days for 3 consecutive months? Also I did have an account here but my balance has never been {$2500.00}, I do n't understand how they can add {$1000.00} plus dollars to my account, please help me I have contacted this company many times I would like to address these issues by either paying what i truly owe them or get this negative remark removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Conn's, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: XXXX XXXX purchased this loan from Conn 's XXXX. I informed them that my mother opened this account unknowingly and advised them to validate and verify. XXXX XXXX has also harassed me repeatedly outside of FDCPA guidelines via phone and I received calls from blocked # 's from their reps advising that my account was " in their office and I am going to be sued ''. The lack of professionalism and ethics was incredible.

Company response to consumer: Closed with explanation