milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/17/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I am now seeing yet something else from Portfolioi on my credit report ... ... ... .if it is the one I am thinking of and I can not be sure as I never received any mail regarding this debt ... .it is for a little over XXXX, this may have been one that was closed over 5 yrs ago so that statute of limitations has expired ... .in state of Florida ... ... .Portfolio already unsuccessfully obtained a judgement against me for over XXXX which was shortly vacated by the court there after ... ... ..that debt was still in the statute of limitations and was still vacated ... ... ... Portfolio was just sued for attempting to collect debt and reporting debt that was beyond the statute of limitations for collecting ... ... .this need to either be noted on my credit report that the debt is way beyond the statute of limitations or that Portfolio is once again using unfair tactics in their credit reporting ... ... ... the also call the home and do not identify themselves but instead use a spoofed number or they will ring in from their cellular hone which displays a name instead of Portfolio ... ... .when you answer the phone, you get cursed at until you hang up ... ... ... I am no longer responsible for this debt, period ... ... .and I do n't even know for sure what it stems from because I got no mail ... ... .I am on XXXX XXXX, own nothing except the clothes on my back and I am co owner on a Fl homestead which may have our names on it but I guarantee XXXX will still own it when we die ... ... ... .and that is protected by homestead ... ... ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/29/2018 about Debt collection (Credit card debt) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: CRA/HIPAA VIOLATION / NO KNOWLEDGE OF FRAUDULENT ACCOUNT DUE TO ID THEFT APPEARED ON MY TRANSUNION CREDIT REPORT. FTC ID THEFT REPORT # 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 02-10-2017 about Consumer Loan (Installment loan) with AmeriCash Holding LLC (IL).
Issue: Problems when you are unable to pay

Complaint: Americash loan wants XXXX on a XXXX loan a 197 % rate of interest a high rate of loan

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2015 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (KS).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: After repeatedly attempts of me telling them no. I ca n't make out start a payment today, I got transferred to the manager on duty. Right of the bat she spoke to me as an inferior. She would ask questions while taking but not stopping to give me a chance to answer. When she did stop I would start to answer the first party of get questions then she would start back up and start taking over me talking. I asked her to let me answer and she would just keep talking over me and not let me get one word in. I was getting really frustrated. I mentioned I was thinking about filling bankruptcy, she accused me of lying and she said she sees no record of me following filling XXXX, as I try to explain that I have n't filled, she starts again talking over me. I then had to start talking over her so that she could understand what I am going through. She stopped talking and told me that she can tell by the way I am on the phone why I am the type of person that is in collections, and owe purple money. I told her she insulted me. She did n't offer an apology, I asked her at least 4 times to not contact me and that I ca n't pay at this time. She then just hung up on me!

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2017 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Each and every year, Experian refuses to give me a copy of my credit report.   The result is denied for no reason whatsoever, and seems like an attempt to get people to pay {$14.00}. It is impossible to resolve without mailing my social security card (! ) through the mail, which is so risky and inept it is difficult to imagine this is not deliberate.   Meanwhile, TransUnion seems to have no difficulty at all following the law.

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 06/29/2016 about Mortgage (Conventional fixed mortgage) with PENNYMAC LOAN SERVICES, LLC. (GA).
Issue: Settlement process and costs

Complaint: On XXXX/XXXX/XXXX I had water damage to my home. My insurance company, XXXX covered the claim. The check for the damages was written to both PennyMac and myself. I endorsed the check and submitted it to PennyMac. I notified them that all work was completed. When they had not released the funds by XX/XX/XXXX, I called to inquire. They said they were still in need of a final inspection. The inspection was completed on XXXX XXXX, XXXX. When I still had not received the release of funds, I called PennyMac XX/XX/XXXX. The agent looked over my file, apologized for the delay and said that funds were now going to be released and that I would receive a check in approximately XXXX business days. Two days later another agent called me. I returned the call and was told that they required signatures from me and my contractor for the original bid. She told me the forms would be emailed to me within two days. Now, on XXXX XXXX, XXXX, I still have not received the forms. On the copies of the documents I have, the bids are signed. I called PennyMac Loss XXXX Department and spoke with a manager, XXXX. XXXX said she would " look into it ''. She placed me on hold for over 30 minutes and then the call was disconnected. I have explained the importance of getting this settled immediately. My family is moving. Our has is under contract with a buyer and scheduled to close on XXXX XXXX. The sale will likely be blocked by a contractor lien if PennyMac does not release the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2016 about Debt collection (Credit card) with DISCOVER BANK (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: On XXXX XXXX, XXXX, I received a wage deduction summons from the XXXX Court of XXXX County IL for a debt to Discover Bank in the amount of {$9700.00} plus cost for a total balance of {$15000.00}. 

I do not owe this debt as it is not my debt. My mother, XXXX XXXX was the primary account holder for the Discover account. I was merely an authorized user on the account. My mother filed bankruptcy in XXXX XXXX and Discover was listed among her creditors with an amount owed as {$9100.00} In XXXX XXXX, this debt was discharged. Please see attached documentation. Discover is illegally trying to collect on a debt that I do not owe. This is an unethical practice. Any assistance the CFPB can provide in this matter would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: After filing a dispute with Experian for erroneously reporting XXXX dismissed bankruptcies, they refused to delete them. The bankruptcy court does not verify or report to the credit bureaus. Sending someone to the courthouse to check public records or using an Internet service such as XXXX is not a legal validation for credit reporting and violates my rights under the FCRA. Experian can not provide my signature and legal validation of these bankruptcies. Additionally, my Experian credit report now shows a comment added on XXXX mortgage account ( XXXX XXXX ) that states, " Chapter XXXX Bankruptcy Dismissed on XX/XX/2016 '' which is completely FALSE and INACCURATE information, another violation of my rights under the FCRA. I request these bankruptcies and derogatory, false comments be deleted from my credit report.

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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax exposed my personal information without my consent, as part of their recent data breach. In addition, they dragged their feet in the announcement of the report, and even allowed their upper management to sell off stock before the announcement.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I originally opened the account for a MasterCard with Capital One card after bankruptcy. It was a special offer for people trying to rebuild their credit and required a deposit. I have faithfully paid the card every period, usually early and sometimes carried a balance just to help boost my credit score.      In   XXXX   XXXX    ,  Capital One  charged me an annual fee. They waived the fee every year in the past. I called and asked if the fee could again waive the fee. The representative told me they were not able. I have several other cards now with higher credit limits that do not charge annual fees. I stated if you cant waive the fee, please close the account and refund the fee and the deposit that was used to open the account. I was instructed that I could not close the account with a balance. I would have to pay off the balance, and wait  XXXX  cycle to refund the amount owed. On   XXXX   I called to cancel my account and was told their policy would not allow me to be refunded the annual fee as more than 45 days had passed. I was willing to prorate the amount. I requested the account to be closed and the deposit refunded. I told them I would take up the refunding the annual fee with CFPB. This was my oldest line of credit and closing this account will negatively effect my credit. I believe that this is part of their strategy and why they are unwilling to waive the annual fee.   Once again, with my credit score coming a long way, why would I pay an annual fee when almost every other credit card has no annual fee?
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Debt collection (Other debt) with ProCollect, Inc (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: According to Section 392.101 of the Texas Finance Code prohibits a third-party debt collectors or credit bureaus unless the third-party debt collection or credit bureau has obtained a surety bond & filed a copy of the bond with the Office of the Secretary of State. ProCollect Inc.is illegally trying to collect debt from me & has illegally reported an alleged debt to all three credit bureaus. 

SUBCHAPTER B. SURETY BOND Sec. 392.101.  BOND REQUIREMENT. ( a ) A third-party debt collector or credit bureau may not engage in debt collection unless the third-party debt collector or credit bureau has obtained a surety bond issued by a surety company authorized to do business in this state as prescribed by this section. A copy of the bond must be filed with the secretary of state. 
( b ) The bond must be in favor of : ( 1 ) any person who is damaged by a violation of this chapter ; and ( 2 ) this state for the benefit of any person who is damaged by a violation of this chapter. 
( c ) The bond must be in the amount of {$10000.00}.
Acts 1997, 75th Leg., ch. 1008, Sec. 1, eff. XXXX XXXX, 199
7.
Sec. 392.102. CLAIM AGAINST BOND. A person who claims against a bond for a violation of this chapter may maintain an action against the third-party debt collector or credit bureau and against the surety. The aggregate liability of the surety to all persons damaged by a violation of this chapter may not exceed the amount of the bond.
Acts 1997, 75th Leg., ch. 1008, Sec. 1, eff. XXXX XXXX, 1997.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: IN 2015 I WAS THE VICTIM OF A ARMED ROBBERY AND MY IDENTITY WAS STOLEN AT THAT TIME. I HAVE MY ORIGINAL POLICE REPORT OF THE INCIDENT AND NOW YEARS LATER I HAVE DISCOVERED FRAUD ACCOUNTS ON MY CREDIT REPORTS. I NEED THIS INFORMATION BLOCKED SWIFTLY. THE CREDIT BUREAUS HAVE EXTENDED MY SUFFERING LONG ENOUGH. 

THANKS FOR YOUR HELP AND ATTENTION.

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 02-08-2017 about Student loan (Federal student loan servicing) with NELNET, INC. (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My loan is serviced by Nelnet. ( Account # XXXX ). 
For my loan repayment, Nelnet is abusing the ACH transfer by not crediting my loan timely. On an average it takes 4 to 5 days to credit my loan. My funds are debited from my source account the same day when I initiated my ACH transfer. But my loan balance were not reduced till 4 to 5 days. While I was paying interest for the loan balance, Nelnet was enjoying the float fund for 4 to 5 days. This is not fair practice to the consumer. 

Also the interest rate on the loan is 5.96 %. I am using my HELOC loan to pay off Nelnet Student loan because the HELOC interest rate is 3.25 % which is less than Nelnet Student Loan. This delay tactics by Nelnet makes me to pay double interest for 4 to 5 days. 

I would appreciate your help to intervene in this matter. 
Thanks XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2016 about Mortgage (FHA mortgage) with LAKEVIEW LOAN SERVICING, LLC (IN).
Issue: Application, originator, mortgage broker

Complaint: They said they were given my account from the current mortgage company i use. They offered me a price to refinance my loan then gave me a closing cost detail list which did not make sense. The payoff on XXXX page is different then the total payoff on the loan. He rambled around trying to tell me what they were trying to charge me for. The average person would get screwed unless you know what these guys are trying to pull over to get their XXXX fee. They are dishonest and their numbers do not add up.

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 08/19/2017 about Debt collection (Other debt) with The CMI Group, Inc. (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I was contacted about a debt on a XXXX XXXX XXXX bill. 

I handed in my XXXX XXXX XXXX modem and box to the store and confirmed my bill was settled on the account. 

Credit Management sent me a bill for this. It now has been reported on my credit report as an uncollected debt. It has lowered my credit score by greater than 100 points. 

How can I get this removed?

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I file a complaint with Attorney General   XXXX   XXXX     XXXX  on behalf of a Identity Theft issue. In the letter I was advise to write or call credit reporting agency. I cal led Trans Union. O n the matter to place a credit alert with the  XXXX  credit agency 's. I talked with  XXXX  at  Trans Union Corporation  on behalf of the credit reporting of  XXXX   XXXX   XXXX   Company/collection agency for a debt on cell phone bill that was in  XXXX  balance when the  XXXX    XXXX   account was cancelled.   The  XXXX   XXXX  company sent a bill that was settle to a   XXXX   XXXX   collection agency.     This collection agency is on my credit report as owed bill. This  XXXX  account was cancelled on,  XXXX   XXXX ,   XXXX  .  XXXX  account number.  XXXX . In the amount of. {$92.00}   XXXX    Re.  No.  XXXX . This was a resolved issues with  XXXX .   The phone number for the collection agency :   XXXX   XXXX   collection agency is,  XXXX   XXXX   XXXX   XXXX . ( The   XXXX   n  umber above  XXXX . I filed a complaint with the  XXXX . This file matter was on the reason I cancel the account with  XXXX . ) I would like this matter to be address. The collection agency on behalf of  XXXX   XXXX  to be remove off of my credit report. This  XXXX  account has been cancelled and is in  XXXX  balance. Thank  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 non-monetary relief
Consumer complaint received 09/13/2016 about Credit card () with AMERICAN EXPRESS COMPANY (NY).
Issue: Advertising and marketing

Complaint: I signed up for an American Express Platinum credit card with a XXXX signup bonus and a {$3000.00} minimum spending requirement. I was using the card for my regular purchases, not tracking exactly how much I was spending. About a month later, I received XXXX points in my account. As a regular consumer, I assumed that I had spent enough for the signup bonus because I received it in my account. I kept on using the card for my purchases and thought nothing of it and the 3 month deadline for the minimum spend came and past. About 4 months after I signed up for the card, I suddenly found out that XXXX points were taken from me. I tried contacting American Express, and they said that apparently I did properly fulfill the terms and conditions of the signup offer, but the customer service representative did not know exactly why I was not eligible. I am contacting the CFPB because American Express is running a bait and switch scheme by promising a lucrative signup bonus, misleading me into thinking I have fulfilled the requirements of the offer, and then pulling the offer when I have no recourse by using a technicality in the terms and conditions. If I did not fulfill the terms and conditions, there is no need to wait 3 months to remove the points on my account with zero communication prior to this. If there was any type of communication, I could have fixed the issue. What is especially malicious is that they removed my signup bonus the day after an implementation of a no refund policy for the annual fee. Thus, they took my {$450.00} annual fee when I was under the impression that I received my signup bonus, and once I was not eligible for a refund on the fee, they took my signup bonus back. This is certainly deceptive advertising and American Express should not be allowed to continue this shady behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Rewards

Complaint: I 've been XXXX ( XXXX XXXX ) credit card holder since XX/XX/XXXX. My credit line was {$20000.00}, I never went over the credit line limit and have always paid my balance on time and in full. This credit card has a reward program with 2 % cashback on each dollar spent. 

My credit card was suddenly closed by the credit card company in XX/XX/XXXX. When I called to inquire about the reason for closure I was told that the credit card company can close any account for any reason or no reason. I legitimately earned {$180.00} cashback which I tried to redeem but was not able to do so, online nor over the phone. I was told the rewards were forfeited because the credit card was closed. 

The rewards show in my account as available as of today XX/XX/XXXX, I earned these rewards ( cashback ) by using the credit card. I did n't do anything against the terms of service but XXXX XXXX XXXX does n't want to pay the rewards. 

Please help me to deal with this company to get my rewards of {$180.00} I earned. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2017 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Contacted Experian regarding several inquiries ( XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ) that were on my credit report, those of which I did not sign nor have I ever had a contract with these creditors for their services or their products.

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 12/20/2016 about Mortgage (Home equity loan or line of credit) with Specialized Loan Servicing LLC (CA).
Issue: Application, originator, mortgage broker

Complaint: Specialized Loan Services repeatedly denies my application 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 01/30/2018 about Vehicle loan or lease (Loan) with PENTAGON FEDERAL CREDIT UNION (GU).
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint: XX/XX/2018 : Applied for a Used Auto Loan. Loan Amount Requested : {$33000.00}. Loan was denied for Excessive obligations in relation to income ( overextended ). The lender was notified that 2 other auto loans were recently paid off. These same loans were being considered when analyzing capacity to repay. Lender was notified of this. There was no response to this inquiry. Loan decision appeared to be an automatic decision under the Reg B rules.

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 12/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I contacted XXXX XXXX by phone to dispute the fraudulent account that was opened under my name before I turned XXXX years old. I sent in my birth certificate and ID to prove my age but the account was never deleted. I was homeless and living from pillar to post when my identity was stolen and compromised. I disputed the charge for over one year with each credit bureau and with the creditor. I want it deleted.

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