milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/28/2017 about Debt collection (Other debt) with Security Credit Services, LLC (SC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I received an alert that my credit score had changed from a credit monitoring service. I saw a collection account with a company that I have never gotten calls from. I got a letter today from another credit collection company saying that XXXX XXXX XXXX has sold my collection account to XXXX XXXX XXXX. I called the original creditor on the letter. They would not tell me much. They suggest that I call the collection company. I called XXXX and they said the account was open onXX/XX/XXXX. They gave me two phone numbers XXXX XXXX and XXXX that was on the application. Those numbers are not my numbers. Then they gave me my SC number as a third number. Back in XX/XX/XXXX of last year, I talked to XXXX someone tried to open up a XXXX account in my name. This XXXX XXXX XXXX it now called XXXX is affiliated with XXXX. I tried to tell the collection agency and XXXX XXXX XXXX it this is not my account and its identify theft. They would n't listen.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Payday loan, title loan, or personal loan (Installment loan) with FIFTH THIRD FINANCIAL CORPORATION (KY).
Issue: Struggling to pay your loan

Complaint: I default it on my installment loan with Fifth Third Bank. My account went into collections and I asked them to put me on a do not call list a cease-and-desist do not call my phone number XXXX they are now calling my phone number

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/15/2017 about Debt collection (Medical debt) with Dynamic Recovery Solutions, LLC (MO).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I received a letter dated for XXXX XXXX XXXX from XXXX XXXX XXXX, for a medical account from the, " Current Creditor '' XXXX XXXX, XXXX. Prior to making the call today to XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX, I reached out directly to Dynamic Recovery Solutions to find out about paying the debt in exchange for it being removed from my credit in writing. This negotiation was not solidified and so I advised I would not speak to them about the debt and hung the phone up. On today, XXXX/XXXX/XXXX, I reached out to XXXX XXXX XXXX XXXX, who is also indicated on the letter to find out if I had an account with them and they stated the last time I was with them was in XXXX & did not have any balance owed, nor anything sent to collections. After this conclusion and trying to call XXXX XXXX XXXX @ XXXX & receiving no response, I decided to reach out to XXXX XXXX or some other group to assist with the matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-12-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Receivables Performance Management, LLC (WV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: RPM placed a derogatory comment on my credit report, regarding a disputed debt with XXXX. XXXX has recently contacted me to say they have reversed the disputed amount in question and will contact RPM to remove any derogatory comments or other items that might affect my credit. RPM should remove any negative comments regarding my credit, as promised by XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2016 about Mortgage (Conventional fixed mortgage) with UNITED SERVICES AUTOMOBILE ASSOCIATION (NC).
Issue: Loan servicing, payments, escrow account

Complaint: I am trying to stop hard copy statements for my mortgage loan. My mortgage servicer is telling me that they can not stop them, as CFPB and " the law '' require them. I have no doubt that this is true, but I do think it is stupid. Is this actually required by the law, or was it just included in one of the implementing regulations? Can you give me any insight as to why the Government regulations are requiring the waste of paper and the increased costs of printing, postage, and distribution of something I do n't need or want?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2016 about Debt collection (Medical) with AllianceOne Recievables Management (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Alliance One Receivable acct # XXXX, should have been paid by, XXXX XXXX XXXX XXXX . I have had XXXX XXXX for over 10 years, same account just a different County. They never submitted charges to XXXX, and now it is in Collection.

Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Revenue Collection Bureau, Inc. (PA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I received forms from a collection agency called RCB Revenue Collection Bureau , Inc. representing the City of XXXX. The agency did not list an amount owed. It sent forms that would divulge personal and private tax information that they would use to see if I owed any debt. The forms contain a fake letter from the City of XXXX, Department of Revenue. I refuse to give this company any information. I would assume that if this collection agency was working for the City of XXXX that the city would have provided them with my Business tax account number and any debt I may owe. I am currently up to date with my taxes and do not owe anything to the City of XXXX. I want other business owners in the City of XXXX to be aware of this fraud. I would like you to contact this agency and tell them to stop this fraudulent activity. The forms were mailed to my old address not my current address.

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CT).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I requested a copy of my credit report and spoke with a representative and inform the representative that there are a lot of inquiries on my credit report from the same company made within a month from each other and some inquiries made within the same day as fraudulent and I did not request any information from the companies that are showing up on my credit report, to no avail have the multiple inquiries been removed the credit bureau sent me an updated credit report with the same information I also spoke with a supervisor to no avail this situation is disheartening

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (UT).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax inadequately secured my personal information and my personal data was obtained by malicious parties which endangers my financial situation. I am at risk for identity theft and fraudulent activity by others as a result of this security breach.

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Navient forced into a Forbearance not income base payment

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2015 about Consumer Loan (Installment loan) with Avant Credit Corporation (CA).
Issue: Taking out the loan or lease

Complaint: Entire Problem : I was pre-approved for a loan with XXXX/Avant credit on XXXX/XXXX/2015. When I was pre-approved I was given a list of reasons why the terms I was given and a credit score disclosure. At the time the date of the credit bureau pull was XX/XX/2015. My credit score was XXXX. The company provided me loan documents and loan disclosures to move forward with the loan. However I wanted to review. I phoned into Avant on several occasions after XXXX and was told that the approval was good for 7 days. I just had to finish the documentation and sign the documents to receive funds. I was traveling and was not able to complete the application instantly. I went to sign on XXXX, and was still able to complete the process but my computer froze. I tried later that day and was then given a denial notice with the same information that I was approved for. The denial notice was the same as the Credit Bureau Disclosure Notice for Terms. I phoned in to the call center at Avant and spoke with a rude representative XXXX. I explained the situation and she was very rude and was not willing to assist in a solution. I asked to speak with her manager several times and she told me her manager would not be able to help and tell me the same thing. I continued to ask to speak with a manager and she denied me several times until I was transferred to XXXX. XXXX was not very pleasant to speak and I ended up having to speak with XXXX the Section Manager. I explained my concerns and he told me he could not assist me that the compliance department would respond and they are only reachable by email. I explained that your company mislead me and that the reasons for denial were false and not accurate. You once approved my loan with the same information you were denying me on.

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (OH).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: Card was stolen and unauthorized transactions were made. XXXX XXXX credited the transactions ( took them off ) but now has frozen my available credit. I have a {$750.00} credit line but now I have XXXX available with only a {$67.00} balance. They seem to be punishing me and causing me hardship for something I am not responsible for. I have called several times and they just say that they cant release the credit until they complete their investigation. It has been three weeks. XXXX XXXX customer service has been of no service at all. They have a take it or leave it hard nosed attitude like I am the bad guy and simply do not seem to care.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2015 about Consumer Loan (Vehicle loan) with Avid Acceptance, LLC (AZ).
Issue: Problems when you are unable to pay

Complaint: I was advised by XXXX employees ( XXXX males ) that I would havea due date change after making my payments, which did not workwith my pay cycles. I made the payments and when I inquiredabout the due date change there was a delay in their response tome so it caused me to be late again. When I asked about whatwas promised and said to me on the phone they had nodocumentation and calls are not recorded. I feel like I had beendiscriminated against, being a single woman. In 2012 I was eventold that I should have planned better when I went out on XXXX. When I called to make arrangments after being in thehospital I spoke with XXXX. I said I refuse to speak to anothermale at this company I felt discriminated against and wanted afemale. He said I had to deal with him, I requested a femalemanager or female account rep. He replied there are no femalemanagers and that he is now reviewing my account. I explainedthat I am going to report this to because that is hard to believe. 
He asked what XXXX issues I was having and I again explainedI refuse to speak to him and wanted a female. They requesteddocuments of my XXXX issues or something showing that I wasin the hospital. I thought this was only required when you are filingfor XXXX insurance to make your payments. I will supply copiesof XXXX bills, but feel like it release my XXXX information whichthey do not need.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Vehicle loan or lease (Loan) with ID Analytics, Inc. (AZ).
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint: On X/X/17 I bought my lease out on my XXXX. The XXXX dealership apparently submitted my information to XXXX XXXX for a loan, who in turn, denied my loan because of a credit score which was XXXX from XXXX XXXX, a credit reporting company. This score does not match my score from XXXX which was XXXX, XXXX XXXX, at the same time and possibly XXXX. I am very concerned about the score which is being reported on my behalf from 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 12-07-2017 about Vehicle loan or lease (Loan) with BANK OF THE WEST (CA).
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint: The first week of XX/XX/XXXXI requested a loan payoff from Bank of the West through their automated phone system. The payoff was {$14000.00}. I obtained a loan through my 401K for  {$14000.00} and obtained a cashiers check for the loan payoff and Priority mailed it to the address received on there automated system. The item was delivered on XX/XX/XXXX and the check according to my bank was cashed on XX/XX/XXXX and has since cleared my bank. The problem is that as of today XX/XX/XXXX no money has been posted to my account to pay off the loan. I have contacted their loan department several times and no one knows where the money is. I went to the local branch to make a XX/XX/XXXX payment so I would n't be late and showed the bank teller the canceled check that had Bank of the West stamp on the back and she called the loan department. Someone said oh the money was in routing and would be applied to my account. That was on XX/XX/XXXX and still nothing has happened. I have had to take time off work to try and figure out what is going on. Can you help?

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2017 about Credit card or prepaid card (General-purpose prepaid card) with Blackhawk Network Holdings Inc. (MA).
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint: XXXX XXXX - Attempted to utilize XXXX XXXX XXXX XXXX to buy an {$200.00} XXXX XXXX Card ( Order # XXXX ). The order was cancelled by XXXX. 
I reviewed the gift card balance to see the return of the {$200.00} to the gift card balance, but was returned to the card. XXXX confirmed that they never accepted any payment as the order was cancelled. XXXX XXXX XXXX, I contact BHN Customer Service to dispute this occurrence and was contacted to say they they need formal request to pursue further. I completed their investigation form and provided on XXXX XXXX. In late XXXX, i received notification that they were unable to resolve my dispute and said the issue is with the merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2017 about Credit card () with AMERICAN EXPRESS COMPANY (GA).
Issue: Rewards

Complaint: I applied for a public XXXX XXXX XXXX credit card offer for XXXX XXXX XXXX Membership Rewards after spending {$3000.00}. I spent {$3000.00} on the card and was awarded the XXXX points on XX/XX/XXXX/2017. 

I tried to book a flight in early XXXX, but received an error that I could not, with the following message " This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. '' I received no notice that my points were unavailable until I tried to use the points, which was misleading. Again, the XXXX points were visibly available in my account since XX/XX/XXXX/2017. 

I did nothing illegal or against the terms and conditions of the agreement. The customer service representatives and supervisors say there is nothing they can do. Some representatives said the review takes 6-8 weeks ; however, it has been over 8 weeks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-07-2015 about Debt collection (Credit card) with Breit Law Office, P.C. (SD).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I do not remember this debt and, have been the victim of ID Theft twice. ( Police Reports are on file ). A Debt Collection Attorney contacted me, I responded in the allotted time and requested information on the debt. The only thing I received was, " Provide Proof of your Social Security Benefits ''. So, I do not know anything about this debt. We have debt. My wife is XXXX. Why this attorney wanted my social security information is beyond me as it can not be garnished.

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2015 about Credit card () with CITIBANK, N.A. (UT).
Issue: Advertising and marketing

Complaint: I applied for a Citi / AAdvantage Platimum Select World MasterCard on XXXX XXXX, 2015. They did not immediately approve the card so I called the number and spoke to XXXX # XXXX and was told it was approved and that I would qualify for the XXXX air miles promotion after I charged {$3000.00} within the first 3 months starting on XXXX XXXX, 2015 and that I should receive my card within 7 days or by XXXX XXXX, 2015. I received the card and more than meet the requirements by XXXX XXXX, 2015. In XXXX, I received a letter stating as a current or former Citi / AAdvantage cardmember I was not eligible for the XXXX-time bonus miles offer. No where was this stated when I applied online. It does not seem like fair practice for Citibank to advertise promotions such as this, have their employees tell you that you quality and then after you have meet the requirements deny the reward.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (ME).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: FedLoan Servicing Income Driven PSLF qualifying payments. I often round-up to nearest dollar or so in my payments. Payment screen on website says what I owe, not what my required PSLF amount is even if it differs ( as my other lenders do quite transparently ). As such, I have " missed '' payments ( due to overpayment the month before reducing amount I owe on my payment screen ) for almost two years. TWO YEARS. Never a notice that I 'm not paying my required PSLF amount, nothing. I have escalated the issue to management today ( XXXX/XXXX/2017 ) and they will " be looking into it. '' Often the missed amount is {$0.00} or less. I have made decisions of employment and home buying based on being much closer to qualifying for my 10 years than this deception now has me at. I said, your organization could n't be trying harder for me to pay the wrong amount.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Blakely-Witt and Associates, Inc. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Debt is for {$1500.00} Now they are asking for {$1700.00} because interest?????

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with John C. Heath, Attorney at Law, PLLC (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have been receiving emails and phone calls from Lexington Law Firm for someone who has a similar, but different name. I have responded to the email and attempted to call Lexington Law Firm to inform them that they have the wrong person. I continue to receive emails and phone calls for the wrong person. I am going to check my credit report to make sure that all of the information on them is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2016 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Settlement process and costs

Complaint: OCWEN purported having foreclosed on account number XXXX, property address XXXX XXXX XXXX, XXXX, California XXXX. XXXX and XXXX XXXX is with information that an payment were made to OCWEN by XXXX XXXX, attorney after the sale of the property at a trustee sale, however OCWEN has not confirmed the payment were received. Please confirm : 1 ) that a trustee sale were conducted by XXXX XXXX on behalf of the beneficiary OCWEN. 2 ) that a " pay off '' were made to OCWEN by XXXX XXXX satisfying the debt. Submit a letter stating a " pay off '' were made.

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2016 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX XXXX and his wife had a XXXX XXXX, XXXX mortgage with XXXX, a New Jersey corporation, for {$240000.00}, which was a first mortgage ( since prior mortgages had been paid off ). In XXXX XXXX XXXX XXXX and Chase Home Finance LLC, apparently acting as a debt collector entered into a loan modification agreement. XXXX XXXX believes that his required payments have lately increased in a manner that he believes is unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: This is from a previous complaint, which was escalated to the Federal Reserve on the acct, XXXX XXXX XXXX XXXX XXXX XXXX, showing on my credit report. It was resolved via the Federal Reserve,  however Equifax is continuing to show this account after XXXX XXXX XXXX XXXX XXXX conceded and told the Federal Reserve that an ( AUD ) Automated Universal Data form would be sent to the 3 CB 's. Well, both XXXX and XXXX have already deleted/removed the account, but Equifax has not. I spoke to an Equifax customer service representative last week and was told that they had not received the form. I reached out to the Federal Reserve agent and she told me that XXXX XXXX XXXX indeed sent the AUD. It is my contention that Equifax is ignoring the request to have the account deleted from my report. I believe the AUD went out to all 3 at the same time, therefore Equifax should 've already deleted the account. ( I am attaching a copy of the letter from the Federal Reserve for your review )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I paid on time

Company response to consumer: Closed with explanation