milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/14/2016 about Credit card () with DISCOVER BANK (AZ).
Issue: Rewards

Complaint: I made a purchase of {$490.00} on XXXX XXXX, 2015 using my Discover it card with XXXX. Discover was running a promotion offering 10 % cash back on purchases made using XXXX. Discover has not paid the 10 % cash back that was promised.

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have recently obtained a copy of my credit file and there are many mistakes in my report : XXXX XXXX XXXX : My account is not included in my bankruptcy and I have agreed to pay this account, account reaffirmed. XXXX XXXX XXXX : I am no longer liable for this account. XXXX XXXX XXXXXXXX : I am no longer liable for this account. XXXX XXXX XXXX : I am no longer liable for this account. XXXX XXXX : I am no longer liable for this account. XXXX XXXX : I am no longer liable for this account. XXXX XXXX : My account is not included in my bankruptcy and I have agreed to pay this account, account reaffirmed. XXXX XXXX : My account is not included in my bankruptcy and I have agreed to pay this account, account reaffirmed. XXXX XXXX : I am no longer liable for this account. XXXX XXXX : I am no longer liable for this account. XXXX : I am no longer liable for this account. XXXX XXXX : I am no longer liable for this 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 04-07-2017 about Mortgage (Conventional fixed mortgage) with PENNYMAC LOAN SERVICES, LLC. (PA).
Issue: Loan servicing, payments, escrow account

Complaint: I have had PennyMac as my mortgage company for over 2 years and they are consistently not paying my taxes. Money is coming out of my account in escrow each month. Most recently I called on XX/XX/2017 after I received a late notice from my tax collector. They said they would process for payment. A month later I received a judgment from my township because my taxes were n't paid. A customer rep said a payment was made for {$1300.00} on XX/XX/2017 - nearly 2 months after I called. This does not include any late fees. I 'm appalled this continues to happen. I 've asked them to please remove the {$220.00} PMI fee that I pay them to insure my monthly payments are made. What assurance do I get my taxes will be paid?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-09-2017 about Debt collection (Credit card) with Law Office of Michael J. Scott, PC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: On XX/XX/2017 I send a certified latter of " Validation of Debt '' to Scott & Associates PC XXXX Texas XXXX XXXX : File No XXXX.They have not send me the documents I requested within 30 days. following are the documents I requested : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful. 

Moreover.I informed that there claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents

Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CAVALRY INVESTMENTS, LLC (CO).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Cavalry Portfolio Services was sold loan from XXXX on XXXX XXXX, 2012. The original amount of the loan from XXXX was {$6000.00}. Cavalry Portfolio Services is attempting to collect {$35000.00} on the original loan balance of {$6000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2017 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: Their investigation did not fix an error on your report

Complaint: I disputed unauthorized inquiries on credit report on  XXXX / XXXX / 2017  and  XXXX / XXXX / 2017 . The inquiries were not removed, nor did I receive a written response within the required 30 day time frame required by law. Many of the inquiries are duplicate inquiries.       XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2016 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (PA).
Issue: Loan servicing, payments, escrow account

Complaint: On XX/XX/2016 I sent a personal check via priority mail with tracking to Chase they received it on XX/XX/2016. They could not find it still as of this date. Consequently I wired payments of XXXX each for XX/XX/XXXX and XX/XX/XXXX payments for a total XXXX wire of XXXX from the XXXX XXXX XXXX XXXX XXXX XXXX Pa. Branch manager XXXX XXXX from the Credit Union and an agent XXXX XXXX an agent for Chase completed the wire transaction. Chase did not credit my account as of yet. The funds have left my bank account 24hrs ago but my mortgage account has not been credited as of yet.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX XXXX reported me as thirty days late for the months of XXXX and XXXX, 2017. I have never been thirty days late on this loan. I disputed it and they did report it as never late to the XXXX bureaus which reflected it correctly for two days in XXXX, 2017, They have reported it as late for thirty days for the same months again! I have called them four times and still they are reporting it incorrectly! Their erroneous errors have cost me over {$15000.00} in my credit line as several credit lines have been reduced due to their errors!

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 08-12-2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have disputed XXXX incorrect addresses reporting on my credit with Experian over the last few months. However, I have not had any successful with getting these incorrect addresses removed. So, I need your assistance in getting this matter resolved. The incorrect addresses are : XXXX XXXX, XXXX, GA XXXX XXXX XXXX, XXXX, GA

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 10/18/2017 about Mortgage (Conventional home mortgage) with loanDepot.com, LLC (LA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I received a notice from Loan Depot, in which I was informed that they had already conducted a Mortgage Analysis on my house, and that I was eligible to apply for a special refinance program, that would allow me to borrow up to, and perhaps more, than the amount of my current loan, which is at 4.25 %, fixed for 30 years, conventional loan. It stated the new rate would be 3.125 %, w/ 3.788 % APR. So I KNEW that there would probably be points involved in the loan, but it stated that my new monthly payment would be {$450.00}, a little more than {$100.00} less than my current payment. I described my mortgage thoroughly, my XXXX XXXX was listed as exceptional. The " offer '' stated " no or low closing costs. '' which ended up being several XXXX dollars. It also said no hidden fees, and possible no appraisal or income verification. I knew that was misleading. But it was only as I was about to give him my credit card to start the process that I finally understood him well enough, that it was now 3.35 % [? APR ] and worst of all it was an XXXX ARM. He said there were limits on how much it could go up. He THOUGHT it was about 2 % /yr. I felt as though, if I had not been an attorney myself, though retired on XXXX for many years, he was trying to set me up for an action that could have easily bankrupted me or my heirs at some point, at least after 10 years. I FELT as though he was clearly being fraudulent with his explanation to me about this proposed transaction. I have his email, but will not include it unless you think that would be appropriate and safe. I would simply like to advise other people who may not have as much experience with mortgages or property law to be cautious if any one should decide to pursue a transaction with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I moved from one rental house to another, about 5 miles, on XXXX-17 and transferred my XXXX XXXX account to the new location after being at our previous location for about 30 months. 

Upon checking my credit report with Equifax, I find XXXX did a hard inquiry on my credit report. Clearly this was not required as they know my history for the past 30 months and all bills were paid and on-time. What is most concerning is this request was not done with my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CT).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: There is one closed collection account by XXXX XXXX XXXX XXXX XXXX that Equifax is refusing to remove from my credit. I challenged the incorrect information with the company which once they were not able to VALIDATE the debt as mine, they have sent all 3 credit bureaus a letter back in XX/XX/2017 to remove their agency from my report. XXXX and XXXX have done so, but equifax is still refusing to remove this inaccurate information from my credit report. This inaccurate account is effecting my credit score which has become very frustrating to deal with.

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Avant Credit Corporation (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: My daughter took on her own an emergency loan with the credit company " avant credit '' to face medical expenses ( XXXX with no income ). 
She has not been able to make payments back. The loan has been sold to another company " XXXX XXXX '' phone XXXX XXXX XXXX ( debt collector ). We have tried to call them many times but afound an answering machine each time we class, at any time during business hours. It is impossible to solve the loan. Interests continue to be added during this time!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Debt collection (I do not know) with Alliance Data Card Services (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: I filed chapter XXXX bankruptcy with case # XXXX FL on XX/XX/XXXX and the case was discharged on XX/XX/XXXX. However, PayPal Credit, DBA as XXXX XXXX XXXX, drafted a letter on On XX/XX/XXXX, stating they referred a debt that was supposed to be discharged in bankruptcy to another debt collection firm, XXXX XXXX XXXX ( XXXX ). 
Verbatim : " Company 's Response : Correspondence was sent to you on XX/XX/XXXX, advising that PayPal Credit closed your account ending in XXXX because a subsequent account in your name was identified. This account, ending in XXXX, was referred to an outside collections agency due to delinquency. The contact information for the outside collections agency was provided if you have questions or would like to make a payment. '' I phoned XXXX & XXXX ( XXXX ) and was rudely hung up on by a female agent who refused to listen to me as I told her whatever address they have on file is incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/16/2015 about Debt collection (Credit card) with D&A Services, LLC (NE).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The debt collection agency D & A Services, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, IL XXXX sent a 'dunning ' letter to consumer dated XXXX XXXX, 2015. The envelope was postmarked XXXX XXXX, 2015 and consumer received it XXXX XXXX 2015 which violates the thirty ( 30 ) day timeline consumer is allowed to respond to dunning letter. This is a practice synonymous with 'false, deceptive, misleading misrepresentation ' as it violates the Fair Debt Collection Practices Act ( " FDCPA '' ), 15 U.S.C. Section 1692e. Many debt collectors are adopting this practice as a way to cause consumer a lack-in-time to respond within 30 days and utilizing the timely manner set out by the FDCPA. Not all consumer 's have access to a fax machine. This Consumer takes issue with other factors of the 'dunning ' letter in regards to the fact consumer does not owe D & A Service ( or any entity acting on behalf of D & A Services ) a debt. Consumer disputes owing D & A Services a debt based on the FACT : Consumer has no fiduciary, contractual obligation to pay D & A Services anything. There is no payment history, nor products, or services that have been rendered to D & A Services, because these elements do not exist ; there is a failure of consideration and no valid agreement, contract or fiduciary obligation under federal law that requires payment to third-party debt collectors. Furthermore, Consumer 's sole ( permanent ) income is Social Security XXXX income which is federally protected income under Section 207 [ 42 U.S.C. 407 ] ( a ) of the Social Security Act ; ( SSA ). Consumer is head-of-household and possesses NO property of value. Consumer 's federally protected income presents a 'genuine issue of material fact '', which will result in a frivolous lawsuit if pursued. Consumer filed this complaint as a means of formal documentation that consumer will " tender '' as evidence in a court proceeding if D & A Services chooses to adopt their own agenda and pursue this matter further. Consumer wishes all communication ( mail/telephone/attempted collection ) cease upon notification of this debt dispute reported in this venue. Consumer has added a complaint lodged by another consumer who experienced 'unjust enrichment and extortion ' levied against them when interacting with D & A Services. Consumer of this complaint will not engage in contact with D & A Services based on violations of the FDCPA, false misleading contact by D & A Services. If D & A Services makes any attempt to contact consumer on ANY level consumer will file a federal and state lawsuit against D & A Services and present documentation to support consumer 's position in this matter. Consumer thanks CFPB for having this venue as documentation. It is greatly appreciated!

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2017 about Credit card () with AMERICAN EXPRESS COMPANY (DE).
Issue: Rewards

Complaint: Rewards were supposed to accrue at XXXX % for everyday purchases and XXXX % for other purchases after a threshold of {$6500.00} is reached for the year. I reached it in XX/XX/XXXX/XX/XX/XXXX, yet AmEx continued to only apply XXXX % to everyday purchases and XXXX % to all other purchases. XX/XX/XXXX I contacted AmEx customer support, and they opened a case, promising to correct the rewards within 4-8 weeks. Checked back two months later, and was told the initial case was closed the same day it was opened with no resolution, with no explanation why. Another case was opened with a promised resolution by the end of XX/XX/XXXX, wasted time numerous times following up, and as of now there has been NO resolution - rewards earned in XX/XX/XXXX have still not been awarded a year later.

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2015 about Debt collection (I do not know) with Citi Management Group, LLC (MO).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: citi management group has called my phone XXXX times the last XXXX days. I answered the call today, and attempted to give them my bankruptcy info which they told me I have a fraud case pending against my ss number. I quickly hung up, they have called me back XXXX times since then.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Closing/Cancelling account

Complaint: I had a XXXX XXXX card through FIA Card Services. I misplaced the card and asked them to expedite one to me as I was leaving for NY. I received the card, activated it as instructed, and upon arriving in NY I used the card to pay for lunch. When I tried to use the card to pay for dinner later in the day, the card was declined. I called FIA and they were not able to give me a reason why it was declined ( they said for security reasons, which is XXXX ). They also locked my online account. Even though I answeredall of their security questions, they refused to unlock my card and account unless I answered questions which I could only do by looking at my account. One question was in regards to recurring monthly transactions on the card. I explained that I needed access to view my account in order to provide that info as I have recurring transactions on several cards but they refused to enable my card and unlock my account. I was of course quite upset and told them to cancel my card, but now they still wo n't unlock my account. As a result, I am unable to view my statements for this card, and unable to verify the payment that they just took from my checking account ( autopay ) and they one that they will be taking out soon. I do n't know if there is a law against doing this type of thing, but if there is n't then there should be. FIA Card Services should be punished for this type of behavior.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2016 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (CO).
Issue: Fraud or scam

Complaint: I purchased a service from them for XXXX, it did not work. I requested my money be returned. The wrong amount of money was credited to my account {$500.00} to much I was to send the excess back to them. Which I did by Western Union, tracking Number available. The amount that was returned my account was no longer in my account. This happened two more times. Their excuse was that I had used Western Union and should have used XXXX XXXX. I did used XXXX the last two times. So I have sent a total of XXXX dollar to them and the {$890.00} that was originally charger to accredit cardis being disupted.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

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 05/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: XXXX   XXXX   XXXX   XXXX  continues to report inaccurate information on my credit report. I faxed them the information several times to have items corrected and have done nothing. I currently have  XXXX  accounts reporting without an account number.

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 06/29/2016 about Mortgage (FHA mortgage) with Ditech Financial LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I have reported many past issues with greentree and have lost alot of money and had them attempt to foreclose on my home several times illegally. I need them now to clear my court and credit reports since it now looks like i had a foreclosure when im in the home. I need to see if all the past issues i reported qualifies me to be a part of the settlement with green tree as well. they have added XXXX in fees on my account through all of this

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2016 about Mortgage (Reverse mortgage) with REVERSE MORTGAGE SOLUTIONS, INC. (IL).
Issue: Loan modification,collection,foreclosure

Complaint: I was given a Reverse Mortgage by XXXX group in XXXX of 2009 six months after I purchase my home for {$50000.00}. XXXX group or Reverse Mortgage Solutions told me I could do a reverse mortgage for {$100000.00}. I have recently found out that they did a double mortgage on me for {$210000.00} back in XXXX of 2009. I ask Reverse Mortgage Solutions to send me over all documents related to this account in Fair Debt letter but they refused and file forclosure papers after I found out what they had done. Im a senior citizen and I think I may have been a victim of mortgage fraud my house was only worth {$50000.00} when I bought it and no house in my neighborhood as ever sold for {$210000.00}.

Company response to consumer: Closed with explanation