milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PDQ Services, Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: PDQ Services responded a day ago and said that the social matches the account but it 's not an account I opened nor I am aware of. I did n't not apply for any credit and I do n't know what PDQ is. I asked PDQ Services to send any documents pertaining my signature because I wanted to see. 1. First of all they failed to send me any documents but they verbally verified the account. 2. You ca n't verbally verify any accounts without any paper work. 3. The account is fraudulent. 4. I feel that PDQ is discriminating me by forcing the account on me. 5. Someone used my social security number to open up this account.
5. I am demanding a reinvestigation or need any documents or paper trail with my signature on it. If you do n't respond back with any documents with my signature not a bill. You must remove this account and for any reason this account is n't removed under any circumstances, I will file a law suit immediately against PDQ Services for discrimination, damages you 've cause to my credit. Falsely accusing me with someone else with the same name XXXX XXXX. 6. XXXX, XXXX must remove this account immediately or else I will file a civil law suit against them as well for engaging in a false verble agreement to verify a fradulent account, and all the above numbers. This is very disappointing and I feel that this is discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2015 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Closing/Cancelling account

Complaint: American express cancelled my account and says its cause of returned checks and I do n't even have any checks I would like to request a copy of the checks that were returned and like my credit line back to normal

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (IN).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I had gotten into a major financial setback and was having trouble making payments to Navient for my private student loan due to my husband experiencing XXXX and awaiting a XXXX. On XX/XX/2017, I finally went into a repayment plan with Navient. It was my " last chance '' and the agreement was that as long as I paid {$50.00} to start the program, and got my monthly payment automatically deducted each XXXX of the month, then my private student loan WOULD NOT BE CHARGED off. I paid the {$50.00}, then had my first payment deducted XX/XX/2017. XX/XX/2017, I received a phone call from their charge off department, stating that my loan was charged off and I now needed a charge off plan. I explained my plan, and after a long hold time I was told I was correct and that I was not in charge off. On XX/XX/2017 I pulled my credit reports and it shows that Navient charged off my private loans. XX/XX/2017, today they took out their monthly payment again. I reached out to their consumer advocate group about my issues, and they called me at XXXX today and let me know that I was not in charge off, but that my credit report would not be updated until I had paid this payment plan for 3 months. I let her know this was not our agreement but let it go. I received a call at XXXX and XXXX from an automated system from Navient instructing me to call because I have " options. '' I received another call at XXXX from their charge off department. I tried explaining my situation to the rep-how I was no in charge off, that I had just spoken to someone today about it, etc, but she was very rude and condescending and told that it was incorrect and that I was in charge off! 
I am very frustrated with this company. They had me go into a payment plan that I set up for direct debit each month so I could avoid charge off and they still reported me charged off to the credit bureaus. They also refuse to remove this information despite our agreement. I can understand reporting me past due, because that is accurate, but not as charged off. If this was going to be the case, I would not have entered into the payment agreement since they were going to report me charged off anyway. Not only are they reporting me charged off to all the bureaus, but they also within their own system have me as charged off, resulting in threatening calls more than 3 times a day. I am paying per their terms and this is unacceptable. I am tired of feeling harassed, threatened, and humiliated by their representatives, I am a paying customer and do not deserve this. I also have been working very hard these past months to rebuild my credit and they destroyed it with their negative reporting. Please do something about this company and their terrible practices!

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I disputed item to be removed being  XXXX  removed item from my report as a result of their investigation.

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 10/30/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (DE).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I am applying for a credit card from Capital One. It has involved several phone calls as they rejected my application due to a mistake. Every time I call, the call center representative asks for my FULL social security number. That ca n't be right. That puts my identity at risk. I have already had someone file false tax returns with the IRS using my SSN. So I am very sensitive about giving out this information. But Capital One wo n't talk to me about my application unless I give her that information, because they say they otherwise do not know who I am. But I have a name, an application number, and a birthdate. Why is that information not sufficient? Why is it legal that they have to require my FULL SSN?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/22/2015 about Debt collection (Federal student loan) with Reliant Capital Solutions, LLC (FL).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: Individual from Reliant Capital solutions contacted me regarding a debt collection from XXXX XXXX University, to which I answered that it was wrong and that I was making payments through the XXXX XXXX University. The individual demanded me to pay the amount he was collecting or legal action would take place. In a very aggressive manner he told me that he was n't going to waste his time or my time if I was n't going to pay and that he will report me and ensure to report me to the credit bureau for not wanting to pay. I told him that it is a mistake and I will dispute it and he just hung up the phone.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: there are accounts and inquiries that dont belong to me they said they were to be removed due to fraud and they put a fraud alert on my file but these accounts are still on my file

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 01/19/2018 about Debt collection (Federal student loan debt) with URS Holding, LLC (WA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XXXX XXXX XXXX. sent me a notice that they are attempting to collect my student debt. This notice dated XX/XX/XXXX was received by mail on XX/XX/XXXX. I have since attempted to contact them regarding my debt and have received NO response from XXXX XXXX XXXX. In ever communication I have made I have provided my name, account number, phone number, and email.I called and left voicemails on XX/XX/XXXX, XX/XX/XXXX,  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I have called almost daily but I have not always left a voicemail. They have also answered the phone and asked to take a message because their voicemail system was "too busy."I have sent emails through the XXXX XXXX XXXX website "Contact Us" option on XX/XX/XXXX and XX/XX/XXXX.I have sent 2 certified 2 day delivery letters on XX/XX/XXXX explaining my situation and the fact that I cannot get a hold of them. One letter was sent to their complaints department whose address was provided on the back of the notice. The other letter was sent to the mailing address they provided for contact on the front of the notice.I am now past my 30 day period provided in their notice and they still have made NO attempt to return my communications.They have also added over $XXXX to the requested debt amount since my last received communication from the Department of Education.

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2015 about Mortgage (FHA mortgage) with Shellpoint Partners, LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: I requested a Qualified Written Request from Shellpoint Mortgage. I alleged that they change the terms of my fixed rate mortgage ( with no prepayment penalty ) each month I pay more than the minimum payment amount. I allege they are penalizing me when I attempt to pre-pay my mortgage. Normally, every mortgage company I have dealt with ( until Shellpoint XXXX will apply the additional amount to the principal and push the due date for the next payment into the future, effectively shortening my loan. Shellpoint does n't do this. They apply the additional amount to the principal, then the RECALULATE the remaining principal and interest to maintain the original maturity date and require the next month 's payment in full. Their business practice end up making the loan appear younger and they end up collecting more interest than standard industry practices, but me as the consumer have no built in cushion to get ahead in my payments. Shellpoint 's response dated XXXX XXXX, 2015 states they feel my QFR does n't apply to them, that my complaint is n't about their servicing of the loan. They sent the original loan documents from the XXXX mortgage company XXXX as it happens that company did not recalculate my note each month I overpaid ) and restated what I said, with the exception of how they recalculate the loan every time more principal is paid than what is due. I would like to ensure they are NEVER allowed to purchase XXXX my loans in the future, as well as insist they can not recalculate the interest and principal ( amortization schedule ) to maintain the monthly payment amount and say they are n't changing the terms of my fixed rate mortgage when I pay down my principal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I have disputed this account several times with Portfolio Recovery. I have informed them that this account was a result of identity theft. I sent Portfolio Recovery a Fraud Affidavit and they still have not remove this account from my credit file. They are in violation of the FCRA by not removing this account from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2018 about Debt collection (Credit card debt) with CITIBANK, N.A. (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have made a purchase with the 18 months interest free promotion from XXXX XXXX. I have repeatedly asked the sales representative regarding the payments, whether I would need to make interest payments based during the 18 months we didn't pay interest in case we forgot to pay off the debt in 18 months. The sales rep repeatedly assured me that I would only be making interest payment once the 18 months is up based on the balance I would have just like any other credit card. 

Fast forward to today, XX/XX/2018, I decide to check up on my debts and realized I still had the debt for the appliances purchased from XXXX XXXX. I decided to make the payment to clear the debt and decided to see how much interest had accrued and I saw that interest for 18 months I didn't pay were added to the statement when the promotional period ended. 

I have made a phone call to see if I can get this interest amount reduced or removed, but the reps were very stoic and stern about the fact that they weren't going to remove this interest amount of {$1700.00} based on debt balance of {$2200.00}. 

I have made a call to the customer service, spoke with the representative and she couldn't help me, so I asked to speak with upper management and XXXX from the management team answered. XXXX also repeated that she couldn't help me because the information was stated on pages 1 and 3.  However the company didn't make much effort to let the consumer know that once the 18 month promotion period was up, we would need to make interest payment that we've missed out on for the first 18 months. It says in a small line at the bottom of page one about deferred interest, but to a layman, deferred interest seems like interest that will begin to be charged once the promotional period is over.

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 01-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX client XXXX XXXX is an identity theft victim. His information was used without his consent to apply for a XXXX account. While no account was established the application left a fraudulent related inquiry on his Experian credit report. Attempts have been made to remove the inquiry as it is fraud related however even with a clearance letter from XXXX, Experian has verified a fraudulent inquiry as being accurate and factual which is a violation of federal consumer laws under the FCRA.

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 06/13/2017 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: Information belongs to someone else

Complaint: SOMEONE OPEN UP FRAUD ACCOUNT IN MY NAME XXXX XXXX EQUIFAX DID NOT PROPERLY REVIEW DOCUMENTS PROVIDED. ONXX/XX/XXXX I FILED A POLICE REPORT WITH THE XXXX POLICE DEPARTMENT DUE TO STOLEN IDENTITY. SOMEONE OPEN UP A PAYDAY LOAN USING MY SS #. THE POLICE REPORT SHOWS AT THE TIME THIS HAPPEN I RESIDED AT XXXX XXXX XXXX XXXX XXXX AL XXXX. AND ALSO THE OWNER OF THE PROPERTY XXXX XXXX XXXX XXXX AL PROVIDEED A MOVE IN DATE TO EQUIFAX THAT CLEARLY SHOWS I COULDNT HAVE POSSIBLY LIVED AT 2 PLACES AT 1 TIME. I SUBMITTED PROPER VERIFICATION AND EQUIFAX DID NOT LOOK INTO ANY OF IT .ALSO MY FIANCEE WAS LIVING AT THE SAID PROPERTY IN XX/XX/XXXX AT THE SAME TIME SOMEONE OPEN UP A ACCOUNT USING MY INFORMATION HOW CAN 2 PPL BE BILLED AT THE SAME TIME SAME ADDRESS SEE ATTACHED BILLS

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (TN).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I recently discovered that PRA is reporting inaccurate information on my XXXX report, which is negatively affecting my credit. According to my XXXX report PRA is reporting the collection account as the original creditor XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX as an open account with a past due balance as the payment status. I never opened an account with PRA.  The terms of the account is listed as one month although I have not entered into any terms with PRA regarding either account. PRA list the accounts with a credit limit/Original amount as if they are a creditor that extended credit to me. In addition, PRA list payment and balance history for both accounts monthly, which debt collectors are not allowed to do. PRA updates the " Date Reported '' date monthly, and with a Payment Status of " Collection Account '', and with no " Date Closed '' Date. I believe these are all violations of credit reporting of a collection account. 

I have also, on numerous occasions, provided proof that I did not receive any kind of notification of the debt, which CFPB and PRA continue to ignore. I have provided a copy of my DL that states my address at the time PRA said they sent a dunning notice. 

The choices given by CFPB for issues with a company are so limited and narrow and I am forced to make a selection that may not adequately identify my issue with PRA.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Debt collection (Medical debt) with Arcadia Holdings, LLC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I have written the collection agency several times to dispute the debt, but they continue to harass me with calls and letters. My daughter was a patient at XXXX XXXX, XXXX, California. She has been going to the hospital since her birth due to XXXX XXXX XXXX. On XXXX XXXX, 2015, my daughter went to XXXX XXXX for treatment. My health insurance company ( XXXX XXXX ) paid the full contracted amount for services rendered on that day. Despite several letters to dispute the amount and cease and desist request, the XXXX XXXX XXXX has ignored my requests and continued to harass me. I do not owe the XXXX XXXX because my insurance company paid for services.

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2015 about Mortgage (Conventional fixed mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (NY).
Issue: Loan modification,collection,foreclosure

Complaint: This complaint is being submitted by XXXX XXXX XXXX ( XXXX ) on behalf of XXXX and XXXX XXXX. This complaint pertains to Rushmore 's violation of the CFPB 's loss mitigation procedures. 
On XXXX XXXX, 2015, XXXX faxed a complete Request for Mortgage Assistance ( RMA ) to Rushmore 's Home Retention Department on behalf of XXXX and XXXX XXXX. ( Exhibit A ). Pursuant to Regulation X of the Real Estate Settlement Procedures Act ( RESPA ), a servicer must " Notify the borrower in writing within 5 days ( excluding legal public holidays, Saturdays, and Sundays ) after receiving the loss mitigation application that the servicer acknowledges receipt of the loss mitigation application and that the servicer has determined that the loss mitigation application is either complete or incomplete. '' XXXX ( B ). 
To this date, XXXX XXXX, 2015, Rushmore has not acknowledged receipt of the XXXX ' application. It has been nine days since XXXX sent Rushmore the package ; thus, Rushmore is in violation of Regulation X.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (OR).
Issue: Application, originator, mortgage broker

Complaint: Ocwen has n't agreed to subordinate, which interferes with my refinance

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Account opening, closing, or management

Complaint: Today my sister went to a Chase Bank located at XXXX, NY XXXX. to make a deposit they rejected it because the account was compromised and they blocked it and their response is that account will be close. nobody can explain to us why was that or what happened. I called this # XXXX and the same thing, the operator could n't give us a right answer or solution to our problem. so Now our business is affected with a cause we do n't know, we sent many checks out, calling suppliers, asking for excuse, we can not accept credit card and make deposit, our money is frozen until they decide to send it back in two or three weeks, so what we 're suppose to do, close the business??

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Debt collection (Credit card debt) with Allied Interstate LLC (MS).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: In 2 days I have received 10 phone calls from Allied Interstate debt collection from 10 different phone numbers. They never leave a voicemail and always call from a different number to dodge being blocked. This company has made no attempt to contact me in writing so I have no idea what their supposed business with me is. I have done internet research on this debt collection company and they are notorious for harassing consumers and are the target of many lawyers who specialize in debt collection harassment.

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 12/15/2015 about Debt collection (Payday loan) with Integrated Recovery Services (TX).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: They are calling my employer sailing they are XXXX telling my employer false statements ruining my name

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2015 about Debt collection (Medical) with Alorica Inc. (NE).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I 'm on XXXX and have medicare and medicaid. I have no knowledge of this bill

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: Bank account was emptied by fraudulent debits. Chase is not being responsive.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Account has been open since XX/XX/XXXX. I put the account in forbearance for 4 months in XX/XX/XXXX. Those 4 months show that I was late instead of in forbearance.

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