milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-07-2017 about Debt collection (Other debt) with Receivables Performance Management, LLC (UT).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XXXX XXXX, XXXX I received a notification in the mail from Receivables Performance Management stating that I owed {$XXXX} and the original creditor was XXXX. 

I have never had an account with 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 11-04-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (AK).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: On Friday XXXX XXXX I received an email from Capital One stating my account was being closed due to inactivity. I admit I only use this credit card for emergencies and have not actively used it in about 3 years. I did use it on XXXX XXXX and again on XXXX XXXX and immediately paid the balance in full on XXXX XXXX. I called customer service the day I received the email and asked what was going on and why they were closing my account to which they were unable to help me because it was still processing in their system. The agent assured me that someone would call me back in a week. I asked them to confirm I should have a call back by Friday XXXX XXXX and they confirmed. I never received a call as promised so I called in today Saturday XXXX XXXX and gave them my info, placed me on hold so they could review the notes, came back and said they were going to transfer me to a supervisor. I spoke to the supervisor and had to tell her everything again including the fact that I 've been a customer for 17 years. She stated that it 's not in their policy to call cardholders back so she apologized that the one agent told me they would before. She continued to tell me they really do care for their customers but there was nothing that can be done. I have told Capital One numerous times if they offered to lower the interest rate I would consider using it more as my credit is really good and I have another credit card that is about half the APR that they are. I was again pretty upset so I told the supervisor that they do n't really care otherwise they would keep my account open. She did offer for another department to call me back in 3 to 5 business days but I told her why should I bother when they are going to tell me the same thing and waste my time doing so. I was done with the conversation and if I stayed on the phone much longer I may have said things I did n't mean so instead I told her to have a good day and hung up before she could state anything more from what I assume is a guidebook they hand out on how to deal with situations.

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2017 about Credit card or prepaid card (Gift card) with JPMORGAN CHASE & CO. (OR).
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint: Went to Bestbuy store to meet seller with BestBuy unscratched gift card for sale.
Asked clerk to scan & verify the current amount on card, {$250.00}.
Amount correct, buys from seller.
Went home to make an purchase on Bestbuy.com & card has now a {$0.00} balance. Lost {$200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2016 about Credit card () with SYNCHRONY FINANCIAL (NC).
Issue: Credit line increase/decrease

Complaint: I have paid my bills on time and have a good relationship with my creditors. However, my new Amazon Store Credit Card issued by Synchrony Bank lowered my available credit by 20 % in less than 30 days with little or no warning until a letter was mailed explaining the reduction after the fact. A reduction of my available credit has caused an increase in my overall credit utilization. Such constructive activity by the credit issuer adversely affects my credit rating where my credit utilization will remain high based on the extreme low credit limits placed by Synchrony Bank. If Synchrony Bank would have left my initial credit limit, then my credit utilization would not be affected, and my credit score would remain steady, secure and much higher than it is today. I could understand if I was in default or habitually behind in payments, which I was not. Constructive credit practices by lenders that affect credit reporting without recourse or corrective measures should be unlawful or illegal especially when there is nothing wrong with the credit 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
Consumer complaint received 01-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: After reviewing my credit report, I found that my account had a medical obligation from XXXX  XXXX XXXX, XXXX for {$210.00}. I am very aware of any payments that are due and make timely payments, so I was shocked to see this account. 

I do not recall any contractual relationship I had with this organization and all of my medical bills are normally paid by my insurance. 

In my attempts to find out more from this organization, I found out that this company is not bonded in the state of Texas according to Section 392.101. It prohibits a third party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the office of the Secretary of State. XXXX  XXXX XXXX state that they are associated with another company but no designation of this fact is shown in the State of Texas database. Also the company failed to provide information supporting their claim. 

According to the FDCPA, the organization is to validate the debt, but I have not received the documents necessary to prove that this organization is owed the alleged obligation. I 've tried to work this situation out with the third-party collector and no information was forwarded. I needed to see an Exclamation of Benefits ( EOB ) and also a signed document showing proof of services provided to me. XXXX XXXX XXXX, XXXX failed to provide the information but it in violation by ruining my credit by putting on my credit report an unsupported tradeline. I tried to get information from this organization via the Better Business Bureau and received no information to this date. 

I request that XXXX, XXXX and Transunion remove this tradeline from my credit report as the organization in question has not provided information to support their claims of indebtedness, collection, or ownership.

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 02-05-2016 about Bank account or service (Savings account) with DISCOVER BANK (CA).
Issue: Making/receiving payments, sending money

Complaint: on XXXX XXXX, XXXX, I open new online saving account and Discover Bank will give {$100.00} bonus by XXXX XXXX, XXXX. But Discover bank never gives me {$100.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01-02-2018 about Student loan (Private student loan) with TRANSWORLD SYSTEMS INC (OK).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: Student Loan : XXXX XXXX ( XXXX XXXX and XXXX ) My student loan was originally XXXX in 10 years it is now XXXX dollars. I was never made aware of the interest that it had accumulated throughout the years. They filed a garnishment against me 6 times and even garnished my bank account, while a payment was already settled in court. It has brought me to change jobs, financial difficulties, almost evicted, lights shut due to the garnishment in my bank account twice. They failed to get a hold of me even after I asked them if there is another student in records. They even attempted to take hold of property, which I do not even own. I was never aware of a lot of things when they attempted to garnished. I was never provided any documents as to why I owed such a large amount. Back in XX/XX/XXXX & XX/XX/XXXX I was served at home with documents to show up to court, but at that time I was in school. My student loan was made on XX/XX/XXXX & 2008. I was confused as to why I was served with an XXXX debt in XX/XX/XXXX & XX/XX/XXXX? Please help, this has caused me XXXX and stress. 

My hopes are my case will be part of the action lawsuit that was issued against them on XX/XX/XXXX. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2017 about Student loan (Federal student loan servicing) with GREAT LAKES (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I was shocked when I reviewed my credit report and found several late payments on my student loans with the dates below : XXXX days past due as of XX/XX/2015 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that this was supposed to be in deferment and it did not get processed correctly or the payments I sent in were not registered.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with DISCOVER BANK (MD).
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: My discover card XXXX is not being reported on my XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2016 about Debt collection (Non-federal student loan) with College Assist (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX, College Assist had XXXX contact me about a student loan that was consolidate through XXXX. During tax time, College Assist had department of the treasury, forward my federal tax return to them. Once I found out, I call College Assist, and they said it was an ERROR on their part, and my refund will be issue back to me. Now, XXXX tax year, they have once again are trying to collect for a account was already paid to them from XXXX Once again, they have taking my tax return. Once again, I 'm having to send proof that the account was paid off. XXXX, has closed my account, but then College Assist had ECMC make a request to gain my return, plus ask me for more money. The account in question is the same account that was paid from XXXX. XXXX has also talked to about the accounts, and verify all College Assist accounts under my name are Paid. I feel College Assist is trying to get double paid for accounts, and making false complaints that they have not been payment. Once I prove they have been paid, they get another collection company to try to get me to pay an account they know it have been paid. They also, are not helpful when it comes to proving the accounts have been unpaid, and do n't accept documents via fax or email that will prove the account was paid. They say send it via mail or fax, but some of their employees say different. Sounds very unprofessional. Their ethics, and tactics for consumer service is terrible.

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 11-01-2016 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (AL).
Issue: Managing, opening, or closing account

Complaint: I called Rushcard to dispute a charge on my account. The woman said it would take approximately 90 days to handle the dispute. She said it would be faster to get my daughter to give me the {$88.00} back which was the charge amount, because it was from her insurance making the charge to my account. I had previously paid my daughter 's Insurance the month before and apparently the insurance company had went ahead and took out her insurance charge again the next month. Then the woman proceeded to say that she had to cancel my card and that it was standard procedure. I told her that she could not cancel my card, because I had a direct deposit coming through the next day that I needed and that I needed my funds to take care of my bills and my children. I told her not to cancel my card. I told her several times not to cancel my card and that I needed my funds to take care of my family and my bills. I told her she better not cancel my card. She kept saying she had to cancel my card. I told her I needed to speak to her supervisor. After all the time she spent on the phone saying she had to cancel my card she never really handled what I called about which was disputing the insurance charge. After I was on hold for a long time I talked to the supervisor who checked my account and said that the card had been cancelled by the previous woman she then proceeded to tell me that it would take 7 days to get me another card ; however, she could charge me {$30.00} to get me an expedited card which she would take out of my direct deposit when it hit the next day. My complaint is that I never wanted my card cancelled in the first place I told the lady that I intended to cancel my card myself after I received my direct deposit and that I did not want her to cancel my card and that I would do it myself and that I feel I should not have been charged {$30.00} for an expedited card when I did not want my card cancelled in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I am a victim of a well document identity theft. The original creditor recognized the identity theft and the MULTIPLE previous debt collectors have recognized this as well and have ceased collection efforts and removed any negative reporting on my credit file. This debt collector bought this debt for pennys from a previous debt collector who acknowledged this debt was invalid due to it being tied to the identity theft. I have had to involve the CFPB for previous accounts opened in my name. I have attached a letter from my bank which details how the identity theft began as well as a letter from another debt collector regarding another account opened due to identity theft and their removal of the debt proving that the identity theft happened and this debt is not valid. This debt is not mine and is a result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (NJ).
Issue: Trouble during payment process

Complaint: The company refuses to cancel PMI on my mortgage after many requests. The current loan to value ratio is .69 %. The requirement for them to cancel PMI is .78 % and below. I spoke to someone at the company and was told that the company needed an apprasisal. I was specifically told that I can hire my own appraiser, which I did. After I sent the appraisal to Ocwen, they told me they would not accept it because I did n't use their authorized appraiser.
As I mentioned, in a previous call to Ocwen, I was told by an Ocwen representative that I could hire my own appraiser. My appraiser is certified with the State of NJ. The appraisal dated XXXX XXXX, 2017 is attached.
Appraised Value of House {$460000.00} Loan Amount {$320000.00} LTV .69 %

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2016 about Bank account or service (Other bank product/service) with ARVEST BANK GROUP, INC. (ME).
Issue: Making/receiving payments, sending money

Complaint: I received a call today from Central Mortgage Company today telling me they had not received my XXXX or XXXX payment. this is the 3rd call in the past week. I told them my new mortgage loan was with guaranteed rate and the mortgage payment to them was cashed by my credit union on XX/XX/XXXX. They said my loan was reassigned and i needed to get the money back from guaranteed rate and pay central mortgage or i would be subject to late fees and adverse credit consequences. When a loan is reassigned are n't they obligated to forward the payment? Is this follow up my obligation?

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with SUNTRUST BANKS, INC. (VA).
Issue: Loan servicing, payments, escrow account

Complaint: hello I have a first and second adjustable rate mortgage serviced by suntrust mortgage, the note states change date is XXXX XXXX 2011, and the rate is to follow the 45 day libor and add a XXXX margin. how can I get suntrust to acknowledge they have been over charging and get them to refund they have been charging 5.5 percent and should have been charging 3.3 percent.

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 10/27/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Kimball, Tirey & St. John LLP (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: The apartment manager refused to do the walk-thru inspection of the apartment. He than said he was charging for new paint, New carpet and new tile. Then he turned the illegal debt to an attorney who called me on XX/XX/2015 at XXXX when I told him I filed a lawsuit against the manager and not to contact me. He sent papers that he was pursuing the illegal debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I was applying for my first mortgage and when my credit report was pulled it was brought to my attention that inquiries was still on my credit report. from all sorts of auto companies pulling my credit, and I do n't even have a drivers licenses only a state I.D and this is really stopping me from purchasing my first home. The inquiries are as followed. XXXX-X/XX/2016 XXXX XX/XX/2016 XXXX XXXX- XX/XX/2016 XXXX XXXX-XX/XX/2016 XXXX XXXX-XX/XX/2016 XXXX XXXX-XX/XX/2016 XXXX XXXX-XX/XX/2016, XX/XX/2016 XXXX-XX/XX/2016 XXXX XXXX-XX/XX/2016 XXXX XXXX-XX/XX/2016 XXXX XXXX-XX/XX/2016 XXXX XXXX-XX/XX/2016 XXXX XXXX XXXX XXXX XXXX-XX/XX/2016 XXXX XXXX XXXX-XX/XX/2016 XXXX XXXX XXXX-XX/XX/2016 XXXX XXXX XXXX-XX/XX/2016

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2016 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX XXXX/XXXX/2016 URGENT!!!!!!! 

THIS CALL NEEDS TO GO TO YOUR COSTOMER SERVICE DAPARTMENT!!!!!!! 

BANKRPTCY CHAPTER XXXX MUST BE REMOVE PER THE ORDER IN THE DOCS XXXX CHAPTER XXXX MUST BE REMOVED PER THE ORDER LAWSUIT FOR HAS BEEN FILED AND APPROVED YOU MUST COMPLY WITH ORDER SEE ALL DOCS READ XXXX OF DOCS COSTOMER SERVERICE HAS NOT CALLED ME BACK YET!!!!!!! 
YOU CAN REACH ME AT XXXX OFFICE OR XXXX CELL

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 03/14/2018 about Debt collection (Medical debt) with First Federal Credit Control (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Dear CFPB, Could you please help me to negotiate the amount of this collection with the creditor? I called them but they were not willing to negotiate with me. I would like to pay them as soon as possible. 

Thanks!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2016 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Experian has been reporting accounts that are paid as negative accounts which is decreasing my credit score. the accounts are XXXX XXXX AND XXXX. These are closed accounts but has otherwise been paid in full.

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 03/27/2018 about Debt collection (Medical debt) with Kramer & Frank, P.C. (KS).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint: I was listed on a lawsuit filed by Kramer and Frank P.C. which I am not a party to. This was on my wife. She had the insurance in her name and some how my name was added to this. I have no ties to this debt and they are threatening me with garnishment. She only listed me as an emergency contact.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Adler Wallach & Associates, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I have attempted to resolve a fraudulent account AWA Collection is continuously trying to collect on. I have submitted my dispute to the company and credit bureaus explaining that the account is fraudulent and a result of identity theft. I attached along my disputes to both credit bureaus and AWA a copy of my police report, identification, current utility bill, address and FTC ID Theft affidavit. AWA reporting this account on my credit profile has dramatically damaged my credit score and has caused me defamation of my character. This is not my debt, I did n't create it, was n't aware of it until recent and when I became aware, I immediately contacted AWA and the credit bureaus to make them aware and correct the fraudulent reporting and collecting.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Problem with fraud alerts or security freezes

Complaint: Goods and services were obtained using my personal information without prior authorization. 7 year credit freeze has been placed until 2025

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