milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/16/2015 about Debt collection (Medical) with I.C. System, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I live in the state of Texas. After sending emails XXXX for verification of debt i am requesting that the debt be removed from my credit report. I have not received any information pertaining to debt nor any proof of required information pursuant to Texas XXXX. I can not validate debt as mine as I have not any proof of debt, nor any communication from IC System Inc in the time allowed from said TX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Debt collection (Payday loan debt) with JH Portfolio Debt Equities, LLC (LA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: I am responding to your contact about collecting a debt. I would like for your company to provide me with competent evidence that I have a legal obligation to pay you. Be advised this is not a refusal to pay, but a notice sent in pursuant to the Fair Debt Collections Practices Act, 15 USC 1692g Sec. 809 ( B ) that your claim is disputed and validation is requested. this is not a request for verification, or proof of a mailing address, but a request for validation in pursuant to the above named title and section.

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 10/24/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (AL).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: I purchased a XXXX {$200.00} certificate with points from American Express through the Amex rewards site ( I redeemed Amex points ). XXXX states they can not use the certificate # XXXX because Amex is not passing information to their system. Im out the {$200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2017 about Mortgage (Conventional fixed mortgage) with AMERICAN PACIFIC MORTGAGE (WA).
Issue: Loan servicing, payments, escrow account

Complaint: I was told my mortgage company would be America Pacific Mortgage through the whole loan process by my loan officer XXXX XXXX XXXX of XXXX. Loan went through alls good then I get a billing statement from a company called XXXX who told me they bought the loan yet I am still getting mail from America Pacific Mortgage. XXXX also ran my credit before the loan was even finalized. I tried calling American Pacific Mortgage but could only leave a message and no one is calling me back. My first payment is due XX/XX/XXXX and I do n't want to pay the wrong company. What do I do?

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2017 about Prepaid card (Mobile wallet) with PAYPAL HOLDINGS INC. (DE).
Issue: Managing, opening, or closing account

Complaint: I have had accounts with PayPal since XX/XX/XXXX. The first in XX/XX/XXXX the second was canceled due to a problem with an order I sold on eBay. I had another issue with PayPal in XX/XX/XXXX and another in XX/XX/XXXX. I was under the impression that these were cleared up since I was able to open up a PayPal account under my same social security number that I used for the other accounts. I have had the newest account for several years now with no problems. Last week I sold several items on eBay and I was then told by PayPal that they were restricting my account access and seizing my funds to collect on money they believe I owe from XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX. The amounts they claim I owe is {$170.00} from XX/XX/XXXX, {$700.00} from XX/XX/XXXX and {$530.00} from XX/XX/XXXX. I lived in XXXX at the time and them I moved to XXXX in XX/XX/XXXX. There is a statue of limitations in XXXX for debtors to collect past debts of only 6 years, and in XXXX the statute of limitations is 3 years. The law is clear that they ca n't seize my funds after 12 years. If they do n't want to do business with me I completely understand but there 's a statute of limitations for a reason and it has long expired. The PayPal account in question is under the email XXXX. And under the social security number XXXX and under the phone number XXXX. They also canceled an eBay order I placed for a XXXX for {$560.00} and they seized the funds from that order. This is Illegal. Please help me to resolve these issues with PayPal. Thank you for your time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-08-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with RUI Credit Services, Inc. (MA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have had several issues with RUI Credit Services related to what they claim is a cable bill not paid. They began calling me XXXX/XXXX/XXXX, and leaving voice messages that did n't contain any information. They continued to call either every day or every other day after this point. I never received any written notification of any debt owed and I contest that I do not owe any debt to anyone. At first I did n't respond, because I did n't even know if they were legitimate or a con artist. When I did respond they claimed that I owed {$100.00} for failing to return a rented modem from XXXX. The modem was bought, not rented. I told them I would clear this up with XXXX, which I did, however, they continued to call and harass me about a debt I did not owe. They finally sent a written notice marked XXXX XXXX, XXXX, almost 2 months after the harassing phone calls began. They have artificially inflated the debt to {$180.00} which seems an arbitrary number they chose. I am currently writing to them to contest my claim, but due to the harassing measures they have already taken, I am not sure that they will comply with regulations and cease and desist. I have read the Fair Debt Collections Act and I count numerous violations : Harassing phone calls, failure to send a written notice of amount owed within 5 days of phone calls, arbitrary inflation of the alleged debt from the first phone call to the written notification. 

I have phone records of their calls and a copy of the written notice. This should prove that they did not comply with the 5 day limit of sending written notice from the first phone contact. I can also provide a list of the times that they called, establishing a pattern of harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2017 about Money transfer, virtual currency, or money service (International money transfer) with PAYPAL HOLDINGS INC. (CA).
Issue: Fraud or scam

Complaint: I got scammed by a guy named XXXX XXXX using Paypal. I wanted to buy some product from him and sent him a payment of {$130.00} on XXXX XXXX 2017to his Paypal account, XXXXXXXXXXXX. But he never sent the product that I payed for. So I contacted Paypal immediately on XXXX and tried to cancel my payment on Paypal but they did n't allow me to get a refund.

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 11-03-2015 about Debt collection (I do not know) with First National Collection Bureau, Inc. (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I am getting repeated phone calls from this number with no message left and no ID

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Debt collection (Credit card debt) with DISCOVER BANK (PA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint: XXXX XXXX XXXX is suing me in a state I no longer live in, represented by XXXX, XXXX, XXXX XXXX, XXXX. I was unable to appear in court in XXXX, IL, as I live several states away in XXXX, PA. I notified the lawyer of the change of address and they continued to pursue legal action, knowing that if I did not appear in court, they would receive a judgement against me. I have not received any mailings since moving and am only aware of updates to the case via the court lookup website.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2017 about Debt collection (Auto) with Kross, Lieberman & Stone, Inc. (NC).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I was seen at XXXX in XXXX who then sent personal information to Kross Lieberman & Stone. Kross Lieberman & Stonesent personal health information what type of procedure and reason for my visit which has to be in violation of HIPPA. I also do not see Kross Lieberman & Stone licensed to collect in the state of NC

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ALLY FINANCIAL INC. (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I called all of these companies on XX/XX/XXXX to get some understanding of why they was on my XXXX report XX/XX/XXXX as a inquirie. They ask did i apply for a car or co-sign i repeated " No i dont even have a driver license nor did i co sign for anybody ''. They agree to send notice to the Credit Bureau agree to delete. Well here we are XX/XX/XXXX and it is still on there.

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 06-08-2016 about Credit card () with CITIBANK, N.A. (OH).
Issue: Advertising and marketing

Complaint: I applied for a targeted offer for an Citi XXXX XXXX Platinum Select Master Card with a XXXX mile bonus offer after spending {$3000.00} in the first XXXX months and Citibank said I was ineligible to receive such an offer. There was no mention of this in the application, and a phone representative confirmed I was eligible for the bonus before I agreed to submit my application.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2018 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 sent a certified letter to TransUnion Credit Report Bureau, asking TransUnion to remove the following Hard inquiries from my credit report : 1 ) XXXX  On : XX/XX/XXXX 2 ) XXXX On : XX/XX/XXXX 3 ) XXXX  XXXX On : XX/XX/XXXX 4 ) XXXX XXXX XXXX  On : XX/XX/XXXX 5 ) XXXX  XXXX On : XX/XX/XXXX 6 ) XXXX On XX/XX/XXXX I told TransUnion above companies were not authorized by me and for TransUnion to remove inquires or provide proof of a written documentation showing I authorize it. TransUnion responded today ( XX/XX/XXXX ) with a letter stating " Your written authorization may not be  required to constitute permissible purpose '' and to contact the creditor directly. See attached TransUnion Letter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2018 about Debt collection (Other debt) with LJ Ross Associates (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I disputed this debt to this company asking the company to provide me with viable evidence bearing my signature showing that i have a contractual obligation to pay them.And the did not provide me with nothing with my signature connecting me 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 05/29/2015 about Debt collection (Credit card) with DISCOVER BANK (GA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: I have a debt collection company calling my employer. I just reported XXXX company maybe a month ago and they stopped and clearly gave my information over to another company since they could no longer call my employer. I need this to stop permanently. I ca n't have these sorts of calls coming into my work office. My employer 's phone number is not my phone number, which means they 're knowingly contacting me at work.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2015 about Credit card () with SYNCHRONY FINANCIAL (IN).
Issue: Late fee

Complaint: I have an account with Synchrony Bank for purchases at Amazon.com. I have the account on auto/recurring payments. Last month, instead of paying the minimum, I increased the monthly recurring payment amount and was told that this would be immediately effective since I was already setup on recurring payments. 

My payment was due on XXXX/XXXX/2016. I logged in today and saw that the payment was not made and that I had additionally been charged a {$25.00} late fee. I called customer service and they told me that there was nothing that I could do, because I was late. The CSR was extremely rude and told me that I was late, despite the fact that I was on recurring payments. 

I engaged a CSR on chat who was able to waive the late chargein 24 - 48 hours. However, I wanted to file a complaint because I thought that this was an unethical practice and I asked for a specific name to send the complaint to. She would not provide the name - gave me a XXXX XXXX XXXX and then told me to send it to 'manager '. XXXX XXXX was the CSR. 

I can only imagine how many people have been charged a {$25.00} late fee for the same reason. It is unethical and unscrupulous and the practice needs to stop.

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 DISCOVER BANK (MD).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: Discovers Customer Protection Services used the personal data that I submitted per their request and in defense of my initial ID theft claim for the acct. ending in XXXX to open a replacement XXXX account ending in XXXX ; using my valid credentials. Discover transferred the fraudulent acct balance of approximately {$3900.00} to the XXXX " replacement '' account ending in XXXX. The information I submitted in the initial ID Theft claim totally contradicted information that they relied upon to approve the initial fraudulent acct. ending in XXXX. Discover is now attempting to conceal information relevant to the fraudulent account by directing the Credit Reporting Agencies to delete all information relevant to that fraudulent account ending XXXX  and to add the information from their " XXXX '' replacement account ending in XXXX. Discover never acted ethically while investigating the initial ID Theft/fraud claim and acted unscrupulously regarding my request for documents ; they never honored the document request submitted by XXXX Police Detective or myself. To this day, Discover has not produced any records of signed agreements, etc. pertaining to the fraudulent account. I insist that they produce documents. Particularly, given the history of class actions law suites filed against them for allegedly producing fraudulent credit card agreements in order to collect money from their cardholders in court.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2015 about Mortgage (Home equity loan or line of credit) with HSBC NORTH AMERICA HOLDINGS INC. (IL).
Issue: Loan servicing, payments, escrow account

Complaint: I currently have a home equity loan with HSBC Mortgage services. I have had this account for almost 10 years. I use this account to buyer homes and use it for Capital when I need it. I have a long history of paying the loan down and then I draw on it again when I need. HSBC closed out my account without my permission. I never wrote a letter stating I wanted it closed. In fact I received a letter showing a full payoff and closure of my account. I have been calling them since XX/XX/XXXX asking them to re-insate the loan because it was closed out without my permission. Now almost 2 months later, I am put in a financial bind because I need to make a draw. I still do not have closure to this situation and furthermore now I being told as of today that I am past due on my loan. How can this be??? I have a letter stating its paid in full. These people are not interested in helping solve the issue and now they are ruining my credit saying I am late on payments. I am now also going to lose a house and have financial hardship because they closed out my line of credit without telling me and I needed that line of credit. This is now putting me in a financial hardship and they refuse to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 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: Due to the recent Equifax data breach, my personal credit information has most likely wound up in the hands of criminal actors. In order to reduce the risk that this has caused me, I had to freeze all my credit reports. Even this may not fully protect me from the risk I am now at for the foreseeable future. The fact that credit agencies like Equifax are for-profit entities making money off of this information makes the fact that I had no way of preventing this breach even more egregious.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Debt collection (Medical debt) with HCFS Health Care Financial Services, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Upon reviewing my credit report I noticed accounts from Account Resolution Services ( ARS ) placed. I have never received any information written nor call about this alleged debt. I mailed validation letters twice via certified mail on XXXX XXXX 2017 and then again XXXX XXXX 2017. I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did NOT give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allow the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, I asked them to allow me to validate this alleged debt and to send me detailed breakdown of fees and any collection costs and medical charges. I asked a for a copy of my signature with the provider of service to release my medical information to ARS. I requested FULL documentation of what was received from the provider of service. Lastly. I asked that they cease any credit bureau reporting until the debt has been validated by me. I also stated that if they can NOT provide ALL of this information they MUST remove this collection from my social and from all XXXX major credit bureaus such as XXXX, XXXX and XXXX. ARS has NOT complied with my requests. Reporting and therefore continuing to report this invalid information to the credit bureaus and not allowing me to validate is a violation of the FDCPA.

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 08/17/2015 about Debt collection (Payday loan) with Real Time Resolutions, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Debt Collection AgencyReal Time XXXX has constantly harassed for debt that is not mine. My ex-husband has full access to my social security number, driver 's license, bank accounts, and other financial data. I did NOT authorize this debt. Please provided hard copies of documentation from loan initiation including my physical hand signature and date. I would like this debt removed from my file because I did not authorize these charges.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Problem with fraud alerts or security freezes

Complaint: Consumers should be able to freeze their credit for free on Equifax, XXXX and XXXX. This is a vital service that should be free and available to everyone who has credit history in the US as these companies can not be trusted to store their data securely and protect their data against security breaches. No American should have to pay in order to help prevent their own identities from being stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (LA).
Issue: Loan modification,collection,foreclosure

Complaint: The reason for me filing this complaint is due to Nationstar Mortgage foreclosing on my property while I am undergoing a loan modification. Also the information they are requesting is unnecessary and was never requested when I was undergoing a loan modification with XXXX XXXX XXXX not until my account was sold and/or transfer to Nationstar Mortgage in the process of modifying my loan. I should n't have to write any letter of my living arrangement to qualify for a loan modification or supply any mortgage statement on property I am not seeking to modified. This information they are requesting is for personal use only and nothing else.

Company response to consumer: Closed with explanation