milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/15/2017 about Debt collection (Credit card debt) with CITIBANK, N.A. (IL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: We have been called numerous times daily for months. When we blocked the number ( supposedly from  XXXX , Ohio  ), t elephone number is changed to another telephone number in the same  XXXX  area code. When answered there have been no responses, by person or recording, until today. Person with heavy accent denied calling from  XXXX , but said he was in  XXXX , Florida. Person said he was calling abou t Macy 's  account which was handled by Citibank. Provided address as  XXXX   XXXX   XXXX ,  XXXX , AZ. Today mailed cease and desist letter to  Macy 's. Telephone calls have amounted to telephone harassment in attempt to collect an uncollectible  debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/15/2016 about Credit reporting () with EQUIFAX, INC. (NM).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax is ignoring my requests to investigate and remove an account from my credit report that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2015 about Mortgage (VA mortgage) with PENNYMAC LOAN SERVICES, LLC. (MD).
Issue: Loan modification,collection,foreclosure

Complaint: PennyMac Loan Services is saying they are unable to provide home mortgage assistance due to a temporary financial hardship. We have been going back and forth with the company for XXXX months providing all the documentation we can and they now say that due to a job loss ( that was present at the time of initial application ) they are unable to provide any mitigation ( no loan modification, no temporary forbearance ). It is my understanding that those types of plans are meant to assist homeowners in keeping their home during a financial hardship. PennyMac Loan Services does not seem to provide these types of services.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with Credit Technologies, Inc. (TX).
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint: this was not a conseted credit inquiry. 


XXXX XXXX XXXX from XXXX XXXX, XXXX - XXXX. 
This inquiry could stay on your report untilNov XXXX. 
See an error? 

Find out how to dispute a hard inquiry XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ALLY FINANCIAL INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Ally Finan I Inquiry from XXXX XXXX, 2016 Institution Information Ally Finan I XXXX, MN XXXX ( XXXX ) XXXX Hard inquiries generally occur when a financial institution, such as a lender or credit card issuer, checks your credit report when making a lending decision. They commonly take place when you apply for a loan, credit card or mortgage, and you typically have to authorize them. Hard inquiries could lower your credit score by a few points and may remain on your credit report for two years. Fortunately, as time passes, the damage to your credit score usually decreases or disappears, often even before the hard inquiry falls off your credit report. I have no knowledge of this account nor why they were checking my credit score. Please erase this inquiry. Thank you!

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 09/17/2015 about Debt collection (Payday loan) with Cooper Hoffman Klein Associates (MD).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: Thy stated that I wrote a bad check and that I was going to have fraud charges against me

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Debt collection (Credit card debt) with Resurgent Capital Services L.P. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I have sent numerous debt validation notices and never received a response back from the creditor. As per the Fair Debt Collection Practice Act ( FDCPA ), a credit is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FDCPA. My next step is to contact a consumer protection attorney unless the matter is resolved here. 
This account was paid to the original creditor after it was charge off.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2016 about Student loan (Federal student loan servicing) with NELNET, INC. (NE).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: After my Nelnet loans came out of forbearance following my graduation I was billed my initial payment of about {$700.00} on around {$70000.00} of student loans. I was unable to pay such a large monthly amount and submitted paperwork for income based repayment ; however I was still responsible for that first payment. I did not have the money to pay it so I opted to put my loan in forbearance until Nelnet processed the paperwork. The employee read the disclosure and it sounded like it said my interest would be added to my principle balance-I asked for clarification and was told that no-nothing on my account would change I just would n't have to make the payment so I agreed. The representative lied to me and the interest obviously was moved to my balance increasing my loan amount to about {$75000.00}. My recalculated payment ended up being $ XXXX/month. Each year I have to fill out a form to reassess my income based repayment amount ( many other loan companies have a form you fill out once, not annually ). While this paperwork was processing I once again ended up with a monthly payment of about {$800.00} -it 's conveniently higher now because I owe Nelnet more money because they lied to me-until my income based payment was reassessed. My new monthly payment is now {$200.00} a {$67.00} increase from last year which I can only assume is because I owe more money because my income has not increased from the last assessment and I still owe the {$800.00} payment. A representative once again tried to convince me to put my loan in forbearance, glossing over the fact it would add nearly {$10000.00} to my principle balance and when my loan is reassessed next year the payment would no doubt increase, not to mention the obvious-the amount I owe would go up to {$85000.00}. This representative was at least honest when I asked about my interest. I can not make this {$800.00} payment. There is no waiver of the payment and my only options are : pay money I do n't have, do n't make the payment and ruin my credit, or put my loan in forbearance and owe Nelnet even more money. There is no way to make a formal complaint at Nelnet. I feel like I was tricked into owing more money, representatives misinform and persuade customers into allowing their interest to capitalize, the annual paperwork only serves to create a month where customers are vulnerable to high payments and more likely to be forced to make a poor financial decision to protect themselves in the moment as well as their credit in the long term. Nelnet does not serve or care about their customers-they are only using them to continue to make money and increase their student debt.

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with CURO Intermediate Holdings (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: I file chapter XXXX bankruptcy on XX/XX/XXXX. It was dismiss on XX/XX/XXXX, the case was reinstated to a chapter XXXX on XX/XX/XXXX. My case was discharge on XX/XX/XXXX. I keep calling and mailing my bankruptcy case information to this company, and they failed or wo n't updated my credit report with XXXX to reflect the correct information. This company just did a update as of XX/XX/XXXX to collect on this account still showing a open collection on XXXX and XXXX.

Company response to consumer: Closed
Consumer complaint received 02-05-2017 about Credit card () with U.S. BANCORP (CA).
Issue: Other

Complaint: Elan Financial Services have failed to pay me the incentives they promised me for credit card use. 

In early XXXX, Fidelity switched their credit card service provider from XXXX to Elan Financial Services. Elan Financial Services issued me with a new account and card. 

Shortly after the account switch, on XXXX XXXX, XXXX, I called Elan Financial Services specifically asking whether there was an incentives cap. I made this enquiry as the prior service provider to my Fidelity credit card account ( XXXX ) did have such a cap, and over the years in using that card I have systematically switched to using another credit card when I reached that cap. Thus, I made a specific call to understand whether I would need to continue to switch to another card under the Elan Financial Services incentives program ( I would have made such a switch in the card used for spending should Elan Financial Services have told me on XXXX XXXX, XXXX, that their program also had a cap ). 

However, on XXXX XXXX, XXXX, Elan Financial Services specifically informed me that such a cap definitely did not apply to my account. Please note that I have notes of that call, and I expect that they record phone calls for quality purposes. 

Following several subsequent phone enquiries in late XXXX, I received a letter from Elan Financial Services on XXXX XXXX, XXXX, informing me of a cap and refusing to pay for incentives stemming from approximately {$30000.00} of spending in the fall of XXXX. This spending equates to approximately {$600.00} in incentives owed to me. 

I have since written them again reminding them of these facts and demanding payment.

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 06/26/2015 about Debt collection (Credit card) with GC Services Limited Partnership (NY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: VIOLATED " FAIR CREDIT BILLING ACT '' AND FDCPA '' ... XXXX DIFFERENT COMPANIES DEMAND SAME PAYMENT OF FRAUD ACCOUNT XXXX XXXX AND NOT MY ACCOUNT. FORMAL FRAUD AFFIDAVIT FILED WITH " FTC '' CASE # XXXX AND WITH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Bank of America performed an unauthorized hard credit inquiry on XXXX/XXXX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/15/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (SC).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Agency will not provide proper documentation of debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 02/20/2018 about Debt collection (I do not know) with Harris & Harris, Ltd. (KS).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This is the 3rd time I am writing this, as it disappears as I click a link like the one below. 
Harris and Harris Ltd. calls every other day using a recorded message stating they are debt collectors. The 3rd week in XX/XX/XXXX I called them and asked why and how they collect using a recording. The woman became agitated and said that's what we're told to do. She said that she checked my phone number and I didn't owe any money. I asked if she was sure so she asked for my cell number. Immediately after I gave her my number she repeated that I didn't owe anything and was anxious to end the call. The calls stopped through the holidays, then resumed. For XX/XX/XXXX calls were received on the : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. All other calls have deleted as they exceed the number of calls I ; m able to save on my phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (AR).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: In  XXXX    XXXX   I opened a credit account with   XXXX   XXXX   XXXX   for the purchase of my wedding dress. The credit card came with a 0 % interest for  six  months offer. Due to an error in entering my address correctly, I did not receive my credit card or first physical bill until late  XXXX  early  XXXX .     The interest is set to begin effective  XXXX   XXXX  at a rate of 22 %. I contacted the company today to request a three month extension on the interest. The person to whom I spoke told me to contact the store. I called the store and spoke with the manager  XXXX  who stated that she did n't have anything to do with the interest. I kept  XXXX  on the line and called the credit card company  (  Comenity Bank ;  XXXX   XXXX  ) using a conference call. I spoke with  XXXX  and she stated that it was not possible for them to extend the interest. I told her anything is possible and I asked to speak to her manager.  XXXX  came on the line and stated that she could hold off on interest for one month. She also submitted my information because I am still requesting three months to their internal disputes department.     It is not my fault that I did not receive an actual bill until late  XXXX  early  XXXX  without an actual bill. My driver 's license does bear my correct and current address. They neglected to include my apartment number in entering my address which is why I did not receive my bill. My first payment was made by phone in  XXXX  with a collections agent due to the fact that I did not have a physical bill he dropped late fees. I totally expected to receive a bill and a card after that. I ended up having to attach a handwritten note to the bill because I could not make automated payments. ( Which oddly enough they only offer in a very limited form ; each month a card holder has to go in and schedule a payment. This increases the likelihood of missed payments and seems predatory in nature to me  )  I did not have the opportunity to divide payments in a manner that would allow me to pay the entire balance within the six month offer period.     Will you please assist me in obtaining a  three  month extension on on the introductory offer?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
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: Over the last few months I have been trying to get my credit work done between the three credit bureaus XXXX Trans Union and XXXX they have failed to honor and repair my credit I have a notice that shows and if you read it it will tell you according to the fair credit report section XXXX you are required by law federal law to verify through physical verification of the original signature and they do not do that they Get online and wait for the creditor to respond no written signature from me and then they say that the credit is mine they to nothing

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 12/17/2017 about Debt collection (Private student loan debt) with Student Loan Finance Corporation (CO).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: XXXX, XXXX a private student loan company that i had a student loan through formerly called XXXX now goes by the name XXXX reunion student loan finance company put my account in default status a couple years ago. WHich should not have gone into default when i was making the payments. CFPB got the collection fee off of my account for me. 
The school i orginally took out the loan for is called XXXX XXXX which has gone bankrupt and no longer exists. After the default status which they should not have been able to legally do at that time. i then stopped making payments on account and the XXXX has turned the past due debt over to there attorney saying that if payment arrangements are not made there will be legal action taken against me with a potential law suit. 
They are claiming an amount past due of approximately {$5100.00} There attorney i received a letter from is XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CITY NATIONAL BANK (NJ).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: A debt collector named XXXX XXXX is using sheriffs in NJ to send me documents that he says he has filed with a court but he has not. This guy has broken the law I was told by a lawyer and is a very aggressive debt collector. The bank is in CA and I am in NJ now so I am also wondering what the rules are around that.

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 08/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (WI).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: XXXX, the company who the debt originated with, never sent out communication that my account was going to be sent to collections. I never received a bill in the mail, or even correspondence that it was going to be sent to collections. There was no phone call, email, letter, or any communication whatsoever that this was even to that point. 
The account uses my financial information, but the name on the account is XXXX XXXX XXXX. The address on the account is XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: Transunion completed an investigation of XXXX # XXXX, XXXX. # XXXX, AND XXXX # XXXX ON XX/XX/2017 ON-LINE. 


THESE INVESTIGATIONS WERE INITIATED ON XX/XX/2017 ON-LINE.THE FCRA allows 30 days to verify or delete etc ... ..only XXXX of the accounts of the XXXX above has been deleted.PROOF IS ATTACHED BELOW

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 08/26/2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: The gas company, XXXX XXXX terminated my service regardless of my on-time payments. My communication with them lead to disconnecting my gas service. The account was paid in full. They have even issued overpayment refund. They are reporting XXXX late payment on Equifax and my dispute with both XXXX XXXX and Equifax yields that the negative information is reported over and over again.

Company response to consumer: Closed with explanation