milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/30/2015 about Debt collection (Credit card) with Platinum Holdings Group, LLC (DC).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: Today on XXXX/XXXX/XXXX I returned a call to XXXX XXXX of Premium Asset Services LLC. I told her that this debt was paid to the original company I asked her for the information to contact said company. XXXX transferred me to a XXXX XXXX who as soon as he got on the phone was belligerent I said to him that all I needed from him was the phone number to the CC company and his response was that he was not going to give me anything, and he did n't give XXXX because they had talked to me in XXXX and I owed them $ XXXX and they were going to collect. He also threatened me to sue me for this debt. I told him that it was not necessary for him to talk to me like that and I hung up the phone on him. I am in the middle of purchasing a home this debt was not on my credit in XXXX XXXX or previous to. I do n't understand why if I paid this to the original debtor and it been longer than 7 year how is this even allowed. I did n't not entered in a credit contract with Premium Asset Services , LLC so they should not be able to call and threaten me. Also the Statute of Limitations in XXXX DC XXXX in which I live is 3 years. This is unbelievable that a company that you have no contract with can call harass, and threaten you. In conclusion I called XXXX back to let her know that I will be back in touch with her once I receive Bank Statements from XXXX from my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2018 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (NY).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: I had purchased a couch from XXXX XXXX, called the XXXX XXXX. The couch was riddled with issues, and XXXX XXXX offered full refunds or replacement couches for all customers who have purchased a XXXX XXXX 

The replacement couch process is as follows : the customer is charged the value of a new replacement couch ( a couch of their choosing ) on their original payment method ( in my case XXXX XXXX credit card ). At the time of delivery, the XXXX XXXX  is picked up and a refund is issued to the card in the amount of the original value of the XXXX. I ordered the new couch on XX/XX/XXXX, and the return for the XXXX was issued on XX/XX/XXXX. 

When I checked my last statement, I realized that I was charged interest for the balance on my credit card stemming from the new couch. The only reason this balance was on the card was due to the lengthy processing time it takes XXXX XXXX to refund the XXXX. This is an aggressive business practice because it forces customers to either 1 ) pay the full value of their new couch and then have the refund from the XXXX be applied to a XXXX XXXX credit card which has no balance, essentially coercing the customer to spend the value of a couch at XXXX XXXX in order to get their money back 2 ) pay interest at 27 % on a charge which is only on the account due to their defective product.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Oportun Financial Corporation (LA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have   XXXX   inquiries on my credit report that I did not authorize. I have reached out to the credit bureaus and companies and no one will remove them.       XX/XX/XXXX    XXXX  / XXXX    XXXX   XXXX   XX/XX/XXXX ,  XX/XX/XXXX ,  XXXX   XX/XX/XXXX ,  XX/XX/XXXX ,   XXXX   XXXX    XX/XX/XXXX    XXXX   XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX   XX/XX/XXXX    XXXX    XX/XX/XXXX   XXXX   XX/XX/XXXX  The company said the inquiries were verified which can not correct as I did not apply at any of the companies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/15/2016 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (CO).
Issue: Loan servicing, payments, escrow account

Complaint: I have a modified home loan with Wells Fargo and have a lot of equity in my home. I tried to refinance and use the equity to include about XXXX in other debt thus reducing my payments and interest but W F said no without even considering my case. I went to XXXX XXXX XXXX XXXX who holds some of the XXXX and they said sure they could refinance all of it but after seeing my income they said no. I am the sole income due to my wife 's chronic health issues and we have never been late or missed a payment in 12 years. I built the house myself to save money, but the bank would rather see me lose the home than give me any break on interest since they own most of the different loans I hold and they are raking in the easy money from my hard work.

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 11/19/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: Collectors Name : Portfolio Recovery Associates, LLC. 
Collectors Address : XXXX XXXX XXXX. XXXX, VA XXXX RE : Account Number XXXX After checking my credit report on or after XXXX XXXX, 2017, I noticed that PRA placed a time bared and fraudulent collection to my credit report named XXXX XXXX XXXX. 
I made several attempts by contacting PRA by phone to find out more information about the debt. During our conversation, customer service associate could not answer my questions and transferred the phone call to operation manager by telling me that he will be able to answer all my concerns. The operation manager XXXX XXXX could not answer my questions as well. I told him that this is a fraudulent transaction and requested to remove an account from the credit report or history. He replied that I need to discuss the matter with escalation team. They place me on hold for about 15 to 20 minutes and hang up the line. I do have all conversation recorded as I informed both the caseworker and supervisor. Also, I requested to stop harassing phone calls, and they refused to follow my requests. I am still 3 to 4 phone calls every day, and I saved the call logs and all the voicemails. I do not believe that I am liable to pay this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2016 about Credit card () with SYNCHRONY FINANCIAL (GA).
Issue: Billing disputes

Complaint: Staring in XXXX XXXX, I was issued a new Banana Republic XXXX XXXX Card issued by Synchrony Bank as my old card was cancelled due to fraudulent activity. I had been diligently paying the balance on this old card. I was also paying the balance on the new card, but by my mistake, I accidentally sent the payments to the old, cancelled account number, meaning that the bank was getting payments but not applying it to any balance. The bank did not contact me about this error or do anything to rectify it, in effect just keeping the 'free ' payments I was sending them without applying it to any account. The payments I was meaning to apply towards my new card I was mistakenly making towards the old card until XXXX XXXX. The bank was notified by me in XXXX XXXX about these misapplied payments and was told that this would be investigated and the payments would be re-posted to the new account and that this should be resolved in 4 weeks. I waited until XXXX XXXX and the issue was not resolved, and I kept receiving statements from the bank for money that I had already paid. I called the bank again several times and was told that there is an investigation and that it would be resolved in a few weeks. I have called several times again, recently on XXXX XXXX, XXXX and was told the same thing. This issue has caused my credit score to drop significantly as a negative factor was placed on my credit score noting that the card was paid " 60 days late '' although I was paying the bank on time to the old credit card and the bank has done nothing to rectify the 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 09-06-2017 about Mortgage (VA mortgage) with Caliber Home Loans, Inc. (VA).
Issue: Trouble during payment process

Complaint: This loan servicer has been unreliable and impossible to work with since closing on the loan. 

In XX/XX/XXXX we were notified that our mortgage company did not pay our hazard insurance premium and they were going to cancel our policy. So we paid the premium out of pocket. 

In XX/XX/XXXX we were noticed by our local city government that we had n't paid our property taxes and were facing a judgment. These also were to be paid by the mortgage servicer via Escrow. 

In XX/XX/XXXX the mortgage servicer sent us a notice that our Escrow account projected balance was too low and we needed to send them {$440.00} to settle it, which we sent on XX/XX/XXXX. 

In XX/XX/XXXX we requested that our Escrow account be removed and refunded so that we can just continue to pay our insurances and taxes out of pocket on our own since they continued to make errors and they denied our request. 

In XX/XX/XXXX we received a notice from our flood insurance servicer that our flood policy had n't been paid and they were going to cancel our policy. Again this is supposed to be paid by our Escrow. 

InXX/XX/XXXX we recieved a notice from the mortgage servicer that we did n't have a home owners insurance policy on our property so they were providing us one, we do in fact have one. 

In XX/XX/XXXX we received yet another notice that our Escrow fund was low and they need a check for XXXX. 

If they are n't paying our taxes, are n't paying our insurances how is the fund low? Further more I 'm a XXXX and my husband is a XXXX XXXX and we own 3 homes ; neither of us have ever seen anything like this in 15 years. Additionally, all of my clients that are serviced by this mortgage company have the same complaints. I want to open and investigation into the Escrow funds to see if they are servicing them appropriately and if there is any mishandling or commingling of the funds in some way to pay the companies debts or something, because this is just insane.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2015 about Credit reporting () with EQUIFAX, INC. (ID).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: In XXXX 2015 I checked my credit report and seen many accounts that did not belong to me, but had my personal information. I called the credit bureaus who told me the next steps that I needed to take which was to fill out an FTC affidavit and file a police report. Once I was done filling out all the fraudulent accounts I was to send a copy to all three bureaus with copies of my government identification. As time went on I discovered more and more accounts that kept popping up that were not mine. I followed the same routine and sent back updated information to the credit bureaus. XXXX & XXXX were the only ones who fully cooperated with me and blocked the fraudulent information as requested. Equifax is still reporting this fraudulent information after multiple attempts to correct it with them. Each time they say that they are sending the information off to the creditor, each time they do that nothing happens. I have contacted the company in question multiple times on my own and I will also be filing a complaint against them. They claim that because I am working with an attorney they can not talk to me about the fraudulent account. This has been going on for months. The only credit bureau that is still reporting XXXX XXXX XXXX is Equifax! After reviewing their latest update today they have added yet another fraudulent address to my account. I have never lived in the state of Oregon, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Reported : XX/XX/2015. I also ave never lived at XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Reported : XX/XX/2015. The previous address is the one in question with the identity theft. They are not deleting the incorrect information and it 's been going on for months with no resolution. I am frustrated and sick and tired of Equifax and their shady business practices. Each time I call I get the run around and they keep claiming that the account is " verified '' but they never send me anything on how it was verified. How can it be verified when I 've sent multiple certified letters and faxes to XXXX XXXX XXXX with no response or verification and they can verify it?! I 've never lived here or at the address in XXXX! I am frustrated, because at this point I feel like this credit bureau is just doing this to screw me over.

Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2015 about Debt collection (Federal student loan) with Navient Solutions, LLC. (NY).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: Navient is calling my cell and my work phone multiple times a day. I have asked them to stop calling my work phone because it is interfering with my job. They call me everyday and usually XXXX times a day, even if I talk to them they will call again a few hours later. I have asked them to stop contacting me many times and i will call them to make arrangements because I am unable to negotiate terms with them because they want too much money. I have told them they are harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with VIRTUOSO SOURCING GROUP, LLC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: The account was paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2017 about Consumer Loan (Vehicle loan) with Strategic Automotive Servicing, LLC (TX).
Issue: Managing the loan or lease

Complaint: A negotiated settlement of  XXXX  dollars was accepted to payoff the auto loan and obtain title. A copy of the statement shows that the  XXXX  dollars was applied as a payment and not a payoff and the title was released. This occurred in  XXXX   XXXX  and a credit report pulled in  XXXX   XXXX  shows that a balance is still due. Since the  XXXX  dollars was applied as a payment and not a payoff, the interest clock is still ticking and and the  Servicing Supervisor clai ms that it is a deficiency balance.     Since the same servicing supervisor states in an offer letter that : "  Strategic Automotive Servicing will acc ept  XXXX  dollars as full and final payment and issue release of the title/lien. '' He has effectively has no claim to a deficiency balance.     The letter identifies the company, person who signed letter, name of the purchaser, VIN and auto description, and no mention of deficiency balance to carry over. Evidence of the transaction is also available. Also the title was released as per the letter agreement.

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 10-06-2016 about Consumer Loan (Installment loan) with CITIZENS FINANCIAL GROUP, INC. (CT).
Issue: Taking out the loan or lease

Complaint: On XXXX/XXXX/2016 I purchased XXXX XXXX XXXX at the XXXX store through their upgrade program. Evidently at that time I also applied for a Citizens One personal loan for the cost of the Iphones and the XXXX XXXX policy. The personal loan application was not disclosed to me and I did not receive any documents or disclosures about the loan. On Sunday XXXX I received two emails from Citizens One that I was approved for two personal loans which completely surprised me. On Monday morning XXXX I called Citizens One and spoke to XXXX. She confirmed that I applied for two loans and was approved. She state that two credit checks were processed against my credit and that I authorized the application. I told her that I knew nothing about the application and requested she send me all my loan documents, disclosures and loan application clearly showing the terms and conditions of these loans. She told me this could not be done as they are a paperless company and that I would have to go online, set up an account and pull my documents which I have no idea how to do this. I asked to speak to a manager and she abruptly responded that a manager was not available. I requested that a manager call me as soon as one was available. I am still waiting for that phone call. All borrowers should have the right to understand loans issued by any banking institution. All disclosure documents including the application should be readily available to be sent to borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Numerous times I have contacted both the collection company and the credit reporting agencies that incorrectly report this account that is clearly identity theft. I have never chosen to do business with this company and when I called them to report the identity theft as most collection companies do, they laughed it off. 

As required by the FCRA and identity theft laws This account should be reported as identity theft and removed immediately from all credit bureaus and less the company can miraculously provide definitive proof the count to belongs to me. 

I have been falsely threatened and accused by this debt collection company less threatened to tell coworkers or file legal action that could result in criminal prosecution. 

As stated before I am the victim of identity theft and not the criminal in this company should be XXXX XXXX from such actions against victims.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2017 about Bank account or service (Savings account) with CITIBANK, N.A. (CA).
Issue: Account opening, closing, or management

Complaint: On XX/XX/XXXX I responded to a flyer mailed to me by Citibank and offering me {$400.00} if I would deposit minimum of {$15000.00} into a new checking OR savings account and leave it for four months. You were to qualify for the {$400.00} in the first 30 days, and then leave the account alone for 90 additional days to be able to retrieve your money. I did that at the XXXX Branch in XXXX. CA. on XX/XX/XXXX and on XX/XX/XXXX I should have had the {$400.00} available to me to withdraw if I wanted to. It is now almost a month later, XX/XX/XXXX, and no money. No {$400.00}. I was told I was the only one at this Citibank branch that had this problem and last week they opened an " investigation ''. I went to the bank for a 2nd time today and was told that the investigation response came back that I did n't qualify because I did n't open a checking account.. The same guy, XXXX, helped me today that opened up the account. I told him that he knows the flyer said either/or, and had it stipulated both, I would have opened both but it did n't so I did n't. He agreed and said he was going to keep working on it and get me my {$400.00}. Then he said something odd : He said I could take the money out but leave my account opened while the investigation is continuing. I told him, 'yeah, I can just see it now. I take my money out and you come back later and say I do n't qualify because I took my money out, even after the promotional deadline passed. '' No thanks, I want the money put in my account immediately. He said he was going to call the branch manager in XXXX in XXXX but I called for her and she 's on vacation this week. This is a scam and a fraud. I do n't believe for a second I 'm the only one with this problem and I have since found others online that have been scammed by Citibank with the very same promotion. I 'm a XXXX school XXXX and I 'm NOT going to stand for this. Please contact me at 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 05/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (LA).
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: XXXX    XXXX  ,2015-  XXXX  -   I call Well Fargo Home Mortgage and they will try to removed this off my credit report because it 's past 7 years old. no change on 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 09-08-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with TD BANK US HOLDING COMPANY (NJ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I was locked out of my TD Account online and was unable to pay them. I tried calling to resolve several times and was not successful. After I finally was able to pay them, they dinged my credit report for late payment. I had commitments over the phone that they would not report to credit agencies. When they did, I called them and they removed the inaccurate information. A while latter, it showed up again. I have paid the bill and closed the account but this negative mark on my credit has affected my ability to buy a car and get a mortgage costing my many thousands of dollars. The original charge was {$37.00} by the way. In summary, I was prevented from paying due to their technology, they assured me they were n't going to report to the credit agencies, they did anyway, they rescinded due to their error, and then put it back on again. This is an error. I pay my bills on time and I deserve to have a credit score that reflects that.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2016 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (NY).
Issue: Account opening, closing, or management

Complaint: I opened a checking and saving account at TD Bank. The banker told me as long as I have {$100.00} balance in my account. It 's free, there will not be any monthly charges. Last week, I received my first paper statement. It shows {$1.00} paper statement fee. This was never mentioned to me before. To find out where exactly they listed this {$1.00} paper statement fee, I logged into my online account at TD Bank web site. You have to go to " Online Statement Setting '', then scroll down all the way to the bottom of this page and click open a PDF file called Personal Fee Schedule for this. I think it 's very unfair and misleading to customers. Probably many of the TD Bank customers like me have been charged {$1.00} for this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03-09-2016 about Debt collection (Payday loan) with National Principal Group, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: I keep getting harassing calls at work, at home, at my parents home, friends and other relatives from National Principle Group about a debt that was discharged in Bankruptcy in 2012.

Company response to consumer: Closed with explanation