milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Commonwealth Financial Systems, Inc. (CO).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Left voicemail saying they were about to take me to court over a debt from " XXXX '' that is more than 20 years old, plus it would have been discharged in my 2012 bankruptcy filing. When I stated I was aware that they were scammers, representative used abusive language and called me names, then hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2015 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (CA).
Issue: Unauthorized transactions/trans. issues

Complaint: On Saturday, XXXX XXXX, 2015 at exactly XXXX Pacific time I was trying to withdraw funds from my rushcard account using an XXXX XXXX XXXX XXXX XXXX ATM. When the money was supposed to be dispensed from the dispenser the dispenser malfunctioned and none of my funds were dispersed. I contacted the help desk for the ATM machine itself and was told by them to file a dispute with Rushcard and they would gladly return my funds to my card. I proceeded to contact Rush card member services and never got through to anyone after having made more than XXXX attempts. I finally got a hold of someone on Wednesday who told me they would escalate my issue and get back to me. The next day I called again and was told by a supervisor that they did not show that my issue had been escalated and would be escalating now. I called the next day and spoke with another supervisor who said they needed to get me over to the disputes department and I filed a dispute on this issue and was told to expect an email within 1 to 3 hours with the dispute form attached and to fill it out, sign it, and fax it in with the receipt from the ATM. After allowing a whole day to go by, I still have yet to see an email with the dispute form. I did the exact same thing the next day and was told the exact same thing and got exactly the same results as the day before. I still have yet to get help with getting my funds returned to me and I am fed up with this company and their lack of effectiveness. I mean we 're talking about almost {$500.00} I 'm out of because of their lack of help with my issue and all they had to do was dispute this issue from the start.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-07-2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (NC).
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint: Santander provided information back and is in accurate. They have dates and my name not spelled right. They also continue to deceive people. It 's deception and I was never told about a lot of this info. I have contacted them over and over. I have tried to resolve this without going to an attorney. They are subprime auto loans and should not be a company. They are very rude and also made numerous calls to my place of work.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax has not taken proper precautions to protect my information ; as a result, all my sensitive information such as date of birth, SSN, etc. are now public information and I may soon be a victim of identity theft and other credit fraud problems.
Equifax could have at least hash the data instead of raw storage, but they carelessly have exposed the information of 150 million Americans ; this is serious neglect on their part.
Equifax has been quiet about this breach for nearly a month, this is seriously horrible. I received no notification about this breach to properly protect myself.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2017 about Debt collection (Payday loan debt) with Midwest Recovery Systems (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XX/XX/XXXX at XXXX I received a email from my credit monitoring alert from XXXX  XXXX that I had a new account alert and I checked it and it stated that I had a NEW ACCOUNT on my XXXX from Midwest Recovery Systems , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , MO XXXX and for type it stated N/A and contact number it stated also N/A. So then I checked my XXXX XXXX alerts and it stated I had one DEROGATORY MARK ( my first one ) it stated I owned {$890.00} from XXXX XXXX XXXX  opened on XX/XX/XXXX and reported XX/XX/XXXX which dropped my score on XXXX 3 Points for something I that I have no cash advances currently. I checked out XXXX and this Midwest Recovery System has so many complaints and the same issues with people. I worked so hard to maintain my credit and I will not stop until this is fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AZ).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: In 2016 I received written correspondence from Navient indicating that my loans ( XXXX ) were eligible for re-organization and consolidation of terma ( or something to that regard ) that was going to lower may payment. Should be noted that i had not requested any such thing nor had i missed any payments in over 5 years at the current rate. When i called Navient to inquire on what was being changed it became clear that they were automatically going to reduce my payments by extending the loan amortization period an additional 10 years. I had to verbally elect out at that time. The automatic and misleading nature of the correspondence was extremely worrisome but thankfully I have the financial expierence to recognize this type of covert and dishonest buainess practices to increase the amount of funds I would have paid over the extended life of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2017 about Debt collection (Other debt) with ENCORE CAPITAL GROUP INC. (NE).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Midland Credit Management has continued to make collection efforts on a debt they can not reasonably prove I owe. I have informed the company the gift was never received by the recipient and I was expecting a refund. The company then replied with notes provided by the original creditor. There was no proof of delivery provided. 

Additionally, Midland Credit Management has re-aged the account and is intentionally reporting the account is newer than what it actually is. This is a direct violation of the FCRA AND FDCPA. 

The company is billing me for items I ordered but never received. Further, the company is damaging my credit for items I never received and that they can not prove were received by anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (NE).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: On  XXXX   XXXX ,    2017 I re ceived a letter fro m Citi Customer serv ice informing me of a statement credit of {$100.00} that would appear on my statement within  2 billi ng periods. I still have not received said credit. The credit, according to the letter is a result of an agreement between Citibank NA and certain of its subsidiaries and the Consumer Financial Protection Bureau, to customers who enrolled in Watch-Guard-Preferred.     On   XX/XX/XXXX  I call ed the number on the   X/XX/17  let ter (  XXXX  ). After giving them my information and being put on hold several times I was informed I would need to call another number (  XXXX  ) about this settlement. I called, again providing the same information, again being put on hold numerous times. I was told yet again by the customer service representative that they had no information on the refund that the letter was informing me of. They told me I would need to fax the letter to  XXXX .     O n  XX/XX/XXXX  I tried three time s to fax the letter to the number given to me. Each time the fax did not go through, the error codes said the line was either busy or there was no answer. I visited the FAQs page listed on t he letter ( www.Citi.com/RefundFAQ ) but th at listed the same phone number that was listed on the letter. The number I originally called.     I am  XXXX   years old, and t hink it is outrageous that I would be given the run around like this on a settlement that the CFP B told Citi they were r equired to refund. I am hoping you can help me bring resolution to this issue.

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 05-09-2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (NY).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: VARNISHING OF NEGATIVE REPORTS TO CREDIT COMPANIES ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-05-2017 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), and amended H.R. 5282 you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

You did not provide Verifiable Proof ( an original Consumer Contract with my Signature on it ) of documents you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts. H.R. 5282 is clear and consumer is prepared to pursue injunctive relief and other damages in the United States District Court for the XXXX XXXX of XXXX. 

My first letter to you dated XXXX XXXX, XXXX, included a dispute of the listed creditor below. 

1. XXXX XXXX XXXX, XXXX # XXXX XXXX/XXXX/XXXX 2. XXXX XXXX XXXX # XXXX XX/XX/XXXXXXXX Reason for Deletion Failure to investigate and/or verify the disputed account within the allotted time period under FCRA XXXX you must delete the disputed item in accord to 15 U.S. Code 1681i ( a ) ( 5 ). Violation of House Resolution - H.R. 5282, Title IV - SEC 402. 

In-accuracy still exists - example : a credit item ca n't be late if there 's no balance due or a non-existence of an account ca n't be late if nothing is owed. The allege creditor is owed nothing. I am requesting a deletion. The allotted time to provide contractual proof of the account has passed under FCRA, you must delete the disputed item in accord to 15 U.S. Code 1681i ( a ) ( 5 ). The right to post negative information must have standing. You failed to provide documentation that proved the item is accurate. 

According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ( 5 ) ], these disputed items must be deleted from my credit record within 30 days, which has passed. Any attempt to misrepresent the matter is a violation of Georgia O.C.G.A 10-1-372 ( ARTICLE 15 - DECEPTIVE OR UNFAIR PRACTICES ) and is a violation of the Federal Trade Commission Act. 

Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed in this complaint. 

Additionally, Documents were sent to you of investigations completed by the Allege Creditors in XXXX XX/XX/XXXX and XXXX XX/XX/XXXX, which states that the items should be removed. Please see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2016 about Debt collection (I do not know) with The CBE Group, Inc. (IN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Received a call from CBE Group, requested contact number, and company they are representing was treated very rudely and denied a number, or the name of the company they are representing.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Informative Research (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XXXX/XXXX/XXXX I gave permission for a credit bureau to check my credit. for a home loan. When the loan was looking like it was n't going to go through due to my credit report. I pulled my report to find this company did another hard inquiry that I did not approve of. Then to find out its listed as miscellaneous. which in turn looks worse. I contacted the company which they never once returned my call or tried to help. instead I get put on permanent hold and or the call gets " lost ''. 
the company name is : 1 ) I R XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: Ocwen claims " Our goal is to assist every customer if we are able to do so within the established guidelines by the investor ''. How can Ocwen assist every customer when it fails at the most basic level of using inaccurate and incomplete information which in turn results in inaccurate results which costs the customer. Ocwen is the worst company I have dealt with and should not be in the mortgage lending business.   Ocwen failed to accurately evaluate my request for mortgage assistance. On  XXXX   XXXX ,   XXXX  , Ocwen requested that I " provide the  XXXX  with borrower 's assets and expense details '', see email attached. On  XXXX   XXXX ,   XXXX  , I emailed Ocwen with  XXXX   XXXX  borrower 's assets and expense details, see email attached. Ocwen has failed to accurately account for my assets and expenses that I provided in evaluating my request for mortgage assistance. Instead, Ocwen denied my request for mortgage assistance based on an inaccurate monthly gross income of {$430.00}, see denial letter attached. Furthermore, Ocwen claims to have taken into consideration borrower 's and non borrower 's income in a previous request for mortgage assistance, but continues to refuse to account for the borrower 's and non borrower ' INCOME and EXPENSES for the current request for mortgage assistance.

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 03/25/2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Experian is reporting numerous inquiries on my credit report that were not authorized by me. I had previously disputed these inquiries with Experian and they continue to remain on my credit profile. I have attached a list of credit inquiries that need to be removed from my credit profile. Here is a summary of those inquiries ... XXXX XXXX/XXXX/XX/XX/XXXX. XXXX Mortgage XXXX/XXXX/XX/XX/XXXX. XXXX XXXX/XXXX/XX/XX/XXXX. XXXX XXXX XXXX/XXXX/XX/XX/XXXX. XXXX XXXX XXXX/XXXXXXXX. XXXX XXXX XXXX XXXX/XXXX/XX/XX/XXXX. XXXX XXXX XXXX/XXXX/XX/XX/XXXX. XXXX XXXX XXXX XXXX/XXXXXX/XX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: I live in an area affected by hurricane XXXX. I had an open claim for XXXX double billing my account when I had canceled XXXX and switched insurance companies. Bank of America wanted me to complete and affidavit but I was unable to return it due to evacuating XXXX Florida. XXXX they reversed my credit for {$530.00} which overdrew my account. I then called BOA and they sent me the affidavit which I immediately faxed it same day ... I have called BOA 6 times since then in last XXXX weeks. My account is still negative and I do not owe allstate any money. I was out of work and unable to access the little bit of money I had in that account. I even offered to call XXXX on XXXX way and they would n't.

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 01/13/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CA).
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint: I received a letter from Chase entitled " Important Changes to Your Account Terms '', specifically as it pertains to a credit card of mine ending in XXXX. It states that my new Purchase APR will climb by 6.99 % to 11.24 % as ofX/XX/18. It also stated that if I have issue with this rate change and want to " Reject '' these changes I should contact Chase by mail at Cardmember Services, XXXX. XXXX XXXX, XXXX, DE, XXXX. I did write a letter to state that I had been a faithful Credit Card customer for more than 15 years. In that time I stated that I had never been late, had always paid on time ... however, I have never had my APR remain the same or diminished. I have spoken to several representatives who continue to give me the party line which states that my account is constantly reviewed. I never know when it is reviewed either annually or otherwise. As I mentioned earlier I have never had the APR diminished or remain the same. I was also insulted after writing a letter to Cardmember Services that I received a form letter from XXXX XXXX, Customer Service Specialist in which he did not address any of my reasons or thoughts for wanting the Credit Card APR to remain the same or to have it decrease. I find that there is no incentive for Chase on this particular card to a faithful credit card customer and am deeply disappointed in their reaction to my pleas.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2016 about Debt collection (Credit card) with LTD Financial Services, LP (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: LTD Financial Services Limited Partnership has continued to report unfavorable remarks on my credit profile for a debt that I do not owe. And their remarks has continued to impede on my ability to be considered for any credit worthiness and attain any measurable employment.

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 CITIBANK, N.A. (CO).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: This issue is related to my Macy 's credit card. I always pay all my Credit card balances on time but on my Macy 's credit card they have charged {$2.00} interest fee and I was not even aware of that. due that I got hit XXXX point on my XXXX XXXX which is totally wrong. I am planning to buy a home soon and due to this wrong charges my XXXX XXXX went down. XXXX The moment I got to know about the charges I have paid them immediately XXXX Please do the needful. 

Appreciate your support! 

Thanks 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 08/26/2016 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (ME).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XXXX XXXX, 2016, I received mail from Portfolio Recovery about an alleged debt owed. I checked my credit report through XXXX and the debt has been reported as an adverse account. [ Account # XXXX ( Please note : XXXX omitted account 's last XXXX digits for security reasons ]. Pursuant to the Fair Debt Collection Practices Act, Section 809 ( b ), I sent via certified mail [ Mailed XXXX/XXXX/2016 ; received XXXX/XXXX/2016 ] a request to Portfolio Recovery to provide me with the following : 1. the amount of the debt ; 2. the name of the creditor to whom the debt is owed ; 3. proof that you are licensed to collect debts in Maine ; and 4. proof of the last payment made on the account. 

Portfolio Recovery has contravened its XXXX statutory requirement to sufficiently validate the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-09-2016 about Mortgage (VA mortgage) with WELLS FARGO & COMPANY (MO).
Issue: Loan servicing, payments, escrow account

Complaint: I did not pay Wells Fargo Home Mortgage late They are reporting this for 10 years of debt and I did not pay them late.This shows up negatively on my credit They have been contacted several times and they say we are working on it and never conclude the investigation they are working on. This has cost me several loans and credit card because of this nit beinghandled in a proper manner

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 05-09-2017 about Debt collection (Mortgage debt) with Seterus, Inc. (NC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: My loan is being serviced by  Seterus Inc. and over the past 2 months, I have been offered a loan modification 3 times and I 'm continually getting harassing phone calls which have escalated to personal attacks by each of the representatives on the call. I was in a loan modification last year but due to severe family medical issues, I was unable to continue to pay the mortgage after the 1st modification was approved. Again, they have offered me two times another loan modification only to retract the offer and try to force me to leave the home using pressure tactics. I do not believe that I 've bee n treated respectfully or with any intent whatsoever to keep the home and they have lied to me multiple times with what they are offering only to tell me that I should leave the home and let them proceed with foreclosure to completion. I went to court to explain my intent and was granted time to work something out with Seterus and I have until  XXXX   XXXX  but they still tell me that I have to leave my home. The harassing phone calls and personal attacks each time the call me along with pressure tactic s ( and psychological ) tactics have been very disturbing to me. I 'm looking to work out a payment arrangement so that I can stay in the home now that I 'm finally getting over my medical issues and with one of my family members. This servicer is brutal in it 's tactics. The lying and the escalation of personal attacks o n me is taking it 's toll.

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