milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/25/2018 about Debt collection (Credit card debt) with Dynamic Recovery Solutions, LLC (NY).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: Received a letter dated XX/XX/XXXX from Dynamic Recovery Solutions,XXXX XXXX XXXX XXXX , SC XXXX   who represents XXXX XXXX XXXX XXXX XXXX XXXX   regarding a XXXX XXXX credit card debt I had no knowledge of and that was expired since it was, according to their letter, from XX/XX/XXXX. The letter indicated that " this is an attempt to collect a debit by a debt collector and any information obtained would be used for that purpose ''. I responded as indicated I must do within 30 days to dispute the validity of the debt. Today, I've ordered my free credit reports to see if they have impacted my credit. They also indicated that even if the statute of limitation for suing me to collect the debt may have expired if " the creditor sues you to collect on this debt, you may be able to prevent the creditor from obtaining a judgment against you ''. This is a scare tactic by this company to try to force me into the payment plan they offered in the letter and, to admit that this debt is my debt so they can reset the timing for the debt in the CREDITOR 's favor and continue their deceptive collection procedures. This is a violation of the Fair Debt Collection Practices Act,15 U.S.C. and these types of collection companies that buy junk debt and threaten the public should be banned from being in operation in the U.S.A.

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 04/21/2015 about Debt collection (Medical) with Collection Consultants of California (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I asked the collection agency to supply me with verification of debt by providing me with the original application or forms with my signature on it and contract information from the original creditor. I sent them a letter of dispute on XXXX XXXX, 2015 and they never responded. This account is in another person 's name, but they claim that this person has me listed on their account. I asked them to supply me with documentation and they have not. This account is not mine and they need to remove it. They are not reporting accurately on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2017 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: INQUIRES WERE FRAUDULENTLY PLACED ON MY CREDIT REPORT BY EQUIFAX WHICH ARE PREVENTING ME FROM OBTAINING CREDIT BELOW ARE THE INQUIRIES : - XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2015 about Credit card () with AMERICAN EXPRESS COMPANY (TX).
Issue: Transaction issue

Complaint: SUBJECT : American Express Blue Cash Everyday credit card payment processing/ misrepresented due date/ delay in posting/ late fee and possible erroneous credit reporting consequences. Electronic payments by my bank are not posted when received by American Express, but delayed by 2-3 days. This means that the DUE DATE is not the due date shown on the statement, but a couple of days earlier unless and only if paid on their website. This forces the consumer to pay at least 4-5 days early to be assured of timely payment, even if EFT. THERE IS NO LEGAL EXPLANATION FOR THIS, that is just how it is, as explained by them. So, my payment is recorded when it is convenient for them instead of when funded in their bank, leaving the consumer at risk of unwarranted late fees and possible credit problems. On the day this account was opened, applicant had a FICO score of XXXX. This will be monitored for deterioration that may occur due to AMEX bad practice and included as an additional complaint if true.

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2015 about Student loan (Non-federal student loan) with DISCOVER BANK (MN).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I am a cosigner to my daughters loans and she is unable to pay at this time. I am unable to pay current payments because they are too high. I have tried talking to the Lender and they are unwilling to do anything to make repayment possible. They are unwilling to reduse interest or extend loan term. They say there is nothing they can do to help.

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2017 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: We have our mortgage through Ocwen. For several years we have paid extra on all our monthly payments. When I called Ocwen, they said they have a separate account for the overpayments which is about {$800.00} now. They have not been applying the extra money to the principal but instead have been keeping it in a separate account. It was my belief that these extra funds were legally supposed to go towards the principal. What is my legal recourse? 
Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Profit Services Group (NC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I received XXXX phone calls within XXXX hours about a debt that I have apparently owed for over XXXX years but have not received any mail notification of at my present or prior address and have not spoken to anyone about until the first phone call last night where I felt attacked. I was threatened to have to pay almost {$1000.00} by Friday or they are going to continue with legal action. How is this right?

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2017 about Money transfers (International money transfer) with PAYPAL HOLDINGS INC. (OK).
Issue: Money was not available when promised

Complaint: I sent a money transfer through PayPal. The recipent did not receive the money so I disputed the charges. PayPay did not decide in my favor claiming that the transfer was completed.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2017 about Mortgage (FHA mortgage) with LoanCare, LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Our mortgage loan was transferred to LoanCare in XX/XX/XXXX. During that time they failed to pay our Taxes on time, in fact they paid them a year late after a penalty had all ready been added. Here we are once again in the same situation. When they finally paid the XX/XX/XXXX taxes they next day they drafted our escrow account and took out the XX/XX/XXXX taxes so that was on XX/XX/XXXX. Here we are XX/XX/XXXX and the Tax Assessor has not received payment. I have notified the company since XX/XX/XXXX of this and still not able to resolve this issue, and now a penalty has been added. Our payment has gone up about {$400.00} due to the fact they are not calculating the escrow correctly. I have been in contact with the Tax Assessor we live in a small town and everyone is very familiar with one another and they have not received any calls from Loancare concerning this issue. Every time we call we get the run around. It does not take 3 months to locate a missing payment and reissue a check. I do n't know what else to do I am grasping for straws. I have asked to speak with a manager and I do n't get any where all they say is that they will escalate the issue. I have yet to receive a call back from them but I continue to call them weekly.

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 12-01-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (NM).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: On XXXX my made a payment to my credit card for me since I was low on funds for the weekend I Then received email from capital one showing me the last four digits of her debit card and that her debit card is now linked to my account I did not want that I did not authorize it and this was a one time only payment and she did not authorize a linkage either I tried to talk to somebody about it and they told me I had to go online I went online there was no option to unlink I chatted with a guy named XXXX who told me to call IT and I finally talk to the supervisor team XXXX and they can not do anything about unlinking her financial information which we did not authorize I do not want it on there what if the company is hacked somebody would have access to her credit card this is Fraudulent behavior and predatory

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Student loan (Private student loan) with WELLS FARGO & COMPANY (PA).
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint: My son lost his job and got behind in a payment.  He paid partial payments and attempted to get caught up.  He also called the company and requested a couple month deferment until he got back on his feet.  They told him not our problem "get it from your co-signer".I don't believe there was ever a time that it became over 1 month behind (it may have gone to 2 months but not more)  A monthly payment is $XXXX so there was never a balance higher than $XXXX  plus late fees.They called me a couple of times at work and while I was driving.  I was annoyed that they would harass me over $XXXX dollars and told them so also told them that my son requested a short deferment.  The person that I spoke with in XX/XX/XXXX advised he should have been given that option and was very understanding and apologetic.  The only person I ever dealt with that was.The loan did get 2 months behind in XX/XX/XXXX.  Everytime he would try to get caught up it would never be the total amount so it kept adding up.I was in shock that they would be harassing us so relentlessly for a little over $100 and told them so.  Before getting caught up they reported it to the credit bureau against my name and have damaged my credit score.  I was never advised that they were going to to do that.  I have worked hard for over 30+ years to obtain and keep an outstanding credit score and without the lease bit of notice/threat that they were going to do it, they have caused me irreparable harm.I am extremely dismayed to find out that they can so callously do this kind of damage for such a small amount of money and see that they have been fined for this exact kind of issue in the past.

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 04/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: After providing them with their own internal file number for me, TransUnion is delaying my request for an investigation by means of multiple requests for identification that was provided with the initial request. TransUnion has violated the FCRA 30-day-to-respond regulation. The following items in question should be removed from my credit report. This is a serious ongoing issue with them as you will see Please see enclosed documents ACCOUNTS IL XXXX XXXX SVR XXXX not mine XXXX XXXX XXXX   XXXX not mine XXXX XXXX XXXX not mine COLLECTIONS IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX mine XXXX XXXX XXXX # XXXX not mine XXXX XXXX # XXXX not mine INQUIRIES XXXX XXXX XX/XX/XXXX unauthorized TRANSUNION INTERACTIVE XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX CO XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized

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 06/28/2016 about Credit card () with BARCLAYS BANK DELAWARE (MD).
Issue: Rewards

Complaint: I have XXXX AAdvantage credit card through Barclaycard. XXXX of these accounts had benefit program which I paid an annual fee for of companion tickets for a cheaper price, the process for taking advantage of the program was you were mailed a voucher, that you then needed to call in to take advantage of being mindful of the blackout dates. I have no record of receiving the voucher in 2015, so was not mindful of the benefit until I was planning a trip this summer and remembered the program. I contacted customer service and asked were the vouchers mailed out to me, I did not receive them and was advised first to double check that I did not, if so, I could contact the service center and next steps would be taken? I called back another representative said nothing could be done, I asked to file a complaint - the complaint # 's are XXXX and XXXX. The representative said that I may or may not get a response - so I am using this process to ensure I will. Several issues, Barclay 's sends marketing material and posts information when I log onto the website on balance transfers, on other products - but no mention of how to execute on this benefit, no reminder e-mails to take advantage of it, no reminder that it was even close to expiring when it was - that is assuming it was even mailed. They marketing this benefit but made it difficult to take advantage of ... ... I request the benefit, allowing me time to take advantage of it for this cycle, my understanding the benefit has expired for my account, or I would need to pay a higher fee or if that does not work I request a refund of the annual fee for the period of time I did not take advantage of it for both accounts. A factor to consider is if other consumers with this product did not take advantage of this benefit % that paid the fee but did not use the benefit, a question as to why should be considered by this agency ... ..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 10-12-2015 about Money transfers (International money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (MA).
Issue: Other service issues

Complaint: My father wanted to send money to his sister XXXX. He sent my sister to handle it through MoneyGram XXXX at a WalMart that uses MoneyGram. Instead of setting up her own information, she used my XXXX her sister ) information for the same address to be used as the sender. When my aunt went to receive the money, it was under the impression that it was under my father 's information as the sender. Using the wrong information, she can no longer receive the money. While trying to talk to WalMart about this, they told us it was MoneyGram who was holding the money. I tried to contact MoneyGram this morning, but their automated help system was less than helpful to say the least.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: To whom it may concern, My situation, like so many others, seems hopeless and endless in dealing with Navient Student Loan company. Over the years, I have attempted to repay student loan debt only to find myself with more fines, more interest, and rising monthly payments beyond my ability to meet. I finally in desperation contacted the student loan ombudsman group who helped me in determining that Navient had arbitrarily doubled my student loan debt through a fraudulent student loan consolidation program. Upon attempting to resolve this issue with Navient, I have been met with outrageous bills, increasing interest and penalties, and gotten no further in attempting to resolve the issue. My credit has been destroyed, and financially I survive month to month. I am a XXXX American with XXXX ; I work as hard as I can, do not receive XXXX benefits from the federal government, and contribute at the level I am able given my limitations. I need advocacy in order to financially survive and find some way to escape the unethical and abusive practices of the student loan company, Navient. I hopee that you would please help me in my pursuit to become debt free and feel like I can live a normal life without the threat of financial ruin day to day. Can you help me? 

Sincerely, XXXX XXXX XXXX

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. (NV).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax did not have the proper security measures in place and my identity is now part of the public domain. I 've had to put up fraud alerts and everything else to try to make sure my identity is not stolen because of Equifax. Equifax also decided not to report this for several months. Thanks Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2016 about Other financial service (Debt settlement) with American Student Assistance (GA).
Issue: Fraud or scam

Complaint: The American Student Services has taken ownership of this account when it was with another other holders XXXX, XXXX and XXXX XXXX XXXX. I have advised them of this. Most recently this agency is profiling me at this date of XXXX/XXXX/XXXX when this account is not assigned to them. My student loans are currently assigned to XXXX. That has not stopped AMERICAN Student Services from causing negative impacts on my credit by putting erroneous information on my credit reports most recently XXXX/XXXX/XXXX with XXXX and XXXX XXXX with XXXX and XXXX..They have attempted to start the this cycle over by putting recent negative late payments on my account when it is not in their ownership. I do not have an account with them.. This appears to be racially motivated due to my previous complaints and previous conversations with older woman at American Student Services..

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On approximately   XXXX   XXXX  2017    I made the required payment and extra. On   XXXX   XXXX    2017  I made another payment for   XXXX   XXXX  2017   , it was applied to the principal. I spoke with The company  XXXX   XXXX   XXXX ,  XXXX  representatives on three occasions about  XX/XX/XXXX    payment being wrongfully applied to the principal and each person assured me that it will be corrected. I have received late fees and other fraudulent fees. On   XXXX   XXXX  2017    I reveiwed my credit report to discover that  XXXX   XXXX   XXXX  list the account as delinquent for sixty days. I called the company again and the representative hang up.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2017 about Mortgage (FHA mortgage) with Home Point Financial Corporation (KS).
Issue: Struggling to pay mortgage

Complaint: I 'm trying to pay my morage. I went online at home point fina. it would n't let me make a payment so I call and the agent took my payment but charged me XXXX fee then said that it would be unlocked to make my next payment .. I went online again to make another payment and again would not let me make a payment .. today I call and the agent said that she could not accept my payment that it would have to be XXXX XXXX to her she was very rude when I asked for a manager she denied me a manager. saying there is nothing that can be done but to XXXX XXXX my payment and I have intel the end of XXXX to make my payment. my payments have never been returned to my bank. they bought out XXXX XXXX who is who I signed the loan papers with. and I never had a problem with them.

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MT).
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: XXXX and Experian have refused to remove a Medical debt account from my credit reports with them, even though the account was listed as a collection accounts less than 180 days since it 1st became delinquent. The account is from XXXX XXXX XXXX ( reported via XXXX XXXX XXXX ) for {$4.00} and 1st became delinquent on XXXX XXXX XXXX. The account was published as delinquent and a collection account on XXXX XXXX XXXX, for a total of 173 days since 1st delinquency. There was a miscommunication with insurance but this debt has since been paid. I tried to dispute this account with Both credit reporting agencies ( XXXX and Experian ) but they refuse to explain why they are still listed and have not updated the actual dates of 1st delinquency and date of 1st report as a collection account.

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