vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-06 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Alpha Recovery Corp
State: NV

Complaint narrative:
CONDESCENDING!!! UNPROFESSIONAL!!! 

Today is XX/XX/2021, and I just got off the phone with a " manager '' at this horrendous organization, and I have NEVER been so insulted in my life. As a former client relations manager, I can not imagine EVER speaking to an individual the way I was spoken to today, and by a manager no less!

I was called by a female for the second time from this company, following up on a debt. That debt was previously with another company, which I was making payments towards monthly ( the money was being debited directly from my bank account ). When that debt was transferred to *this* company, two of the payments that I'd made to the initial company were returned to me via check.

As I was explaining the situation to the female ( and respectfully, as I understood that she is just doing her job ), she put me on hold and suddenly a man came on the phone, identifying himself as Mr. XXXX ( spelling?? ), the manager. 

From the start, he was extremely condescending, insinuating that I was purposely not paying my debt. He threatened to contact the original debtor, telling them that the client ( me ) is " refusing to pay '' ( which I was NOT ). He then listed a series of payments that I'm making towards other things ( car loan, personal loan, etc. ) and basically said if I had money for them, I should have no problem handling *this* debt. HOW DARE HE?! I was furious that he would presume to know my financial situation.

I tried to explain to him that I never said I wasn't going to pay and that my personal loan was for a medical expense ( not that it's his business ), but he laughed at me & continued to talk over me. He suggested that I haven't made any payments on this debt nor attempted to, which I tried to tell him was NOT TRUE. I told him he was being condescending and that I didn't appreciate the way I w
as being spoken to, but that didn't stop him from continuing to harass me. Eventually, he hung up on me.

I have a chronic illness which results in many medical expenses, all of which I PAY. My personal loan was for one such medical expense. 

I'm thoroughly disgusted that someone would think it's OK to speak to people this way. I've read negative reviews on XXXX from folks who have had a similar experience to mine with this organization. The company 's responses to those reviews should tell you all you need to know about what kind of a company this truly is.

I hope that someone takes charge of holding this company accountable for their abhorrent actions. To treat another human this way is UNACCEPTABLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Franklin Collection Service, Inc.
State: GA

Complaint narrative:
On XX/XX/2021, I sent Franklin Collection Service, INC a letter requesting that they validate a second debt that they have reported to the credit bureau as belonging to me. 

Here is some information about the debt they claim I owe : Date Placed for Collection : XX/XX/2021 Total Amount : XXXX FCSI Case # : XXXX This letter was sent as certified mail. Here is the tracking information : Tracking number XXXX Delivered XX/XX/XXXX, XXXX XXXX XXXX, XXXX Instead of providing documentation proving the debt belongs to me and showing how the amount I owed was calculated, or an obligation to pay, Franklin Collection Service, INC. sent back a bill, attempting to use the bill that they created as proof that the debt belongs to me. 

Not only that, but they also furnished and sent ANOTHER document, placing the name of the original hospital they say I owe close to the center, in order to create the false belief that valid documents were sent by or with the assistance of the XXXX XXXX when in reality it was only sent by them which is in direct violation of 15 U.S. Code 1692j - Furnishing certain deceptive forms.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
The Wyndham Rewards Earner Card was offered to me with 15 months interest free APR on balance transfers and all purchases. After several months, now this company is not honoring the interest free account on purchases as agreed. 
Also, they are attempting to rip me off the XXXX points I am due for listening to a Wyndham XXXX XXXX presentation last month. I was told the points would automatically be placed on my Wyndham Reward account. It was not. Now I am on online and there is no location in my account to " enter the 10 -digit Points Pack activation code. This is a rip off. There is no place in my account to place this code. This company is really corrupt. I regret the fact that Wyndham is so dishonest and many of their hotels are filthy. I want the XXXX rewards points added to my Wyndham Rewards account and for the interest I was charged returned by to me in the form of a check as soon as possible. I got this account to charge purchases interest free for 15 months. A very dishonest company!!!!!

I have called and called and no one from the Corporate Office will call me back.

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 2021-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made.

The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report.

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Equifax.

1. Company Name : XXXX Inquiry Date : XX/XX/2019 -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2019 -Unauthorized inquiry by Identity Theft

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
My Capital One credit card payment is due today, XX/XX/2021. I made the payment today, but was informed that it would not post on the due date because the payment is being made after XXXX XXXX. I called Capital One, and they refused to accept my payment and post it for the date it is being made. I spoke with XXXX, who informed me that the " system '' won't allow her to accept it on time, and that I would be charged a fee, despite not having made a single late payment in the almost 8 years the account has been open. She informed me that after the late fee is charged, I will have to call back and request for the fee to be reversed, and that only then can they determine whether it qualifies to be reversed. They would not disclose what factors contribute to whether a fee waiver is available, but it seemed implied that perhaps certain personal factors may contribute to the situation. Is that even legal? As a consumer, who has made every effort to pay this bill on time for years, I am deeply concerned at the lack of care shown by Capital One. This should have been a simple matter to resolve.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
I keep receiving emails from Sunrise Credit Services Inc. to pay an alleged debt violating my consumer rights pursuant to federal law 15 usc 1692b ( 2 ).

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 2021-08-06 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
Hi my name is XXXX XXXX, I am seeking advice in regards to a judgement that has been placed against me by Midland credit management. The case has been turned over to XXXX XXXX XXXX. I was not aware of this judgement until recently when I checked my credit and reached out to Midland credit management to inquire about the collection and was told it was on a legal hold. I was never sent a letter or any other notice or phone call stating this was going on or given opportunity to take care of the problem before it got to this point of a lawsuit. I have reached out to the law firm and was told they had a court date coming up in XXXX but they will not give me the date or any other information.I have not been served anything in regards to the matter. When I call I feel they are only trying to collect information against me and not allowing me to rectify the situation. At this point I am unsure of what measures I can take and can not afford anyone to garnish my wages.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have called into the Call Center of Transunion to get inquiry issues resolved. The customer service reps did not want to help me resolve the negative inquiries reporting to my credit report. I have been a victim of inquiry issues. I have listed below the inquiries. 

1- XXXX XXXX  XX/XX/XXXX 2- XXXX XXXX XX/XX/XXXX 3- XXXX XXXX XXXX XX/XX/XXXX 4- XXXX XXXX XX/XX/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 2021-08-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: CA

Complaint narrative:
Back in XX/XX/2021, I applied for a mortgage with Amerisave and XXXX to refinance my current mortgage loan. I provided all my income info to both lenders. I decided to go with XXXX instead of Amerisave because they could not match the rate and fees. A month later, the loan officer, XXXX XXXX XXXX XXXXXXXX from Amerisave emailed me again asking if I was still working on refinancing my home loan because rates were lower. I replied saying yes I was interested and the rates she gave me was still higher. A few days later she called me again saying she spoke to her VP and was able to get me a {$2500.00} credit towards closing cost. I said ok lets proceed and she told me to pay the {$500.00} application fee ( eventhough ) I already submitted an application ) before we can go any further and the application fee will be credited back at closing. I made the payment because the loan officer made it seem like there is no issue since she got the VP to give me {$2500.00} credit. 3 days after I make the payment XXXX calls me saying my income was too low and did not qualify. We went thru the income info again with the amt of my OT and bonus which was the same info I gave her back in XXXX when I first applied and she said it looked good and will submit again to underwriting. she calls me 2 days later to say I still dont qualify because they can not consider OT and bonus in my income. I was pretty upset because she had all this info at the very beginning so she would have known if I qualified or not and why would she not know they can not include OT and bonus pay in income calculation. I told her fine, please refund my {$500.00} fee I paid. XXXX 's response was she will submit a request for the refund but there is no guarantee I will get it back. it has been 3 months and I did not hear from her again nor got my refund. A few weeks ago got an email and a letter from XXXX and Amerisave saying I am pre-qualifed for a home loan. I felt both the loan officer mislead me into thinking I was already qualified and had me pay the {$500.00} application fee then a few days later tell me I'm not qualified. No other lender charges an application upfront and they will tell you if you qualified or not. I felt Amerisave 's actions are very deceptive especially during this time when money is very tight for many families. Hopefully you can help me resolve this issue and get my refund back.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. 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 2021-08-06 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: United Collection Bureau, Inc.
State: NV

Complaint narrative:
CONDESCENDING!!! UNPROFESSIONAL!!! 

Today is XX/XX/2021, and I just got off the phone with a " manager '' at this horrendous organization, and I have NEVER been so insulted in my life. As a former XXXX XXXX XXXXXXXX, I can not imagine EVER speaking to an individual the way I was spoken to today, and by a manager no less! 

I was called by a female for the second time from this company, following up on a debt. That debt was previously with another company, which I was making payments towards monthly ( the money was being debited directly from my bank account ). When that debt was transferred to *this* company, two of the payments that I'd made to the initial company were returned to me via check. 

As I was explaining the situation to the female ( and respectfully, as I understood that she is just doing her job ), she put me on hold and suddenly a man came on the phone, identifying himself as Mr. XXXX ( spelling?? ), the manager. 

From the start, he was extremely condescending, insinuating that I was purposely not paying my debt. He threatened to contact the original debtor, telling them that the client ( me ) is " refusing to pay '' ( which I was NOT ). He then listed a series of payments that I'm making towards other things ( car loan, personal loan, etc. ) and basically said if I had money for them, I should have no problem handling *this* debt. HOW DARE HE?! I was furious that he would presume to know my financial situation. 

I tried to explain to him that I never said I wasn't going to pay and that my personal loan was for a medical expense ( not that it's his business ), but he laughed at me & continued to talk over me. He suggested that I haven't made any payments on this debt nor attempted to, which I tried to tell him was NOT TRUE. 

I told him he was being condescending and that I didn't appreciate the way I was being spoken to, but that didn't stop him from continuing to harass me. Eventually, he hung up on me. 

I have a XXXX XXXX  which results in many medical expenses, all of which I PAY. My personal loan was for one such medical expense. 

I'm thoroughly disgusted that someone would think it's OK to speak to people this way. I've read negative reviews on XXXX from folks who have had a similar experience to mine with this organization. The company 's responses to those reviews should tell you all you need to know about what kind of a company this truly is. 

I hope that someone takes charge of holding this company accountable for their abhorrent actions. To treat another human this way is UNACCEPTABLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I was making a payment in full to pay off the balance of my Synchrony Sam 's Club Card account. I was using the number written down on my checking account card when I first opened my credit union account ( 10 years ago ) and the number was incorrect. The payment bounced and I was charged an NSF fee. I reprocessed the payment and paid the card in full. This was the first and only payment that was an issue. I was informed that my Synchrony Sam 's Club Card was closed due to non-satisfactory payment history. I was then told that since I paid my card in full, I could have the account reopened in 7 days if there was no issue with the payment. After 7 days my account was reopened. Then I requested a credit limit increase and it was granted. In the meantime, I was unaware that my Synchrony Care Credit card was closed until I logged in to make my payment. I spent over 10 hours on the phone with representatives and nobody could help me get my account reopened. I was told to re-apply for a Synchrony Care Credit card. I applied and was denied because of unsatisfactory payment history, they were seeing the issue with the Sam 's Card. Again, this card was paid on time for many years and has had no issues. And even here, the issue was with a different account. After I was denied, I disputed the decision and sent in a credit report with proof of my satisfactory payment history. I am now being told that since I re-applied for a Care Credit card and was denied, that my Sam 's card was reviewed again, and closed once again. I had ONE problem with ONE payment and had two accounts closed. I can not believe that having ONE issue gives them the right to close down accounts I've had and have been building for over 10 years. I also have never received a sheet of paper explaining a decision and my credit report shows perfect payment history yet I am repeatedly told my payment history is unsatisfactory. This is unacceptable.

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 2021-08-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: XOOM CORPORATION
State: NC

Complaint narrative:
Xoom, a XXXX XXXX Repeated issues with them. I send money to the same people all the time. I added a new person this week and now they suddenly want my W-2 or a copy of my taxes for proof of funds AFTER I already sent them a copy of my bank statement, with my account number marked out of course. I have been doing business with them for three years and every time, I have met all of their compliance regulations. Finally, this is out of hand. There is limited customer service, no where to escalate issues within Xoom or XXXX and they handle millions of dollars every day and stay sheltered. Yesterday, I held for the Xoom compliance department for 5+ hours on the phone and was disconnected by them before ever speaking to a Live Person. Unacceptable. An agency must step in and help us, the customer, with this company. I have a large log of calls and emails with this company. Their customer service is based in XXXX and besides being difficult to understand, they have zero authority to handle issues. They are reading from a script and if the script don't fit, the customer is the one that loses. They refuse to escalate and nowhere on the Xoom.com or XXXX website does it allow you to file corporate complaints. 
They also tell you that you have " sending '' limits, but nowhere on their website can you find your personal limits, or if you are a level 1, 2, or 3, yet they will use that against you if it fits their " script ''. As a money service responsible for millions of dollars in transactions per day, the consumer deserves more control over their account. I hold my breath with every transaction I send, knowing I have not done anything wrong, but wondering what they might try to find wrong with it. It's almost like they arrest you for speeding, but never post a speed limit sign or tell you what the speed limit is. Please help us, the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Bliksum, LLC
State: FL

Complaint narrative:
I took a loan with loanme.com in XX/XX/2021 ( Acct # XXXX ). I began having issues with paying the loan in XXXX of XXXX and removed auto-pay from my account. I contacted loanme.com to see if they can help me get back on track. They agreed to lower the bi-weekly payments by half and agreed only if I set auto-pay back up. I did that and was able to afford my payments, but now in XXXX they reverted back to the original payment and I am about to get overdrawn again on my checking account. There was no warning and they just changed the payment without authorization. I've spoken to some people who have stated that the loan interest rate is illegal in FL as well and that FL law requires that they offer me a payment plan if I am unable to pay.

Company response to consumer: Closed with explanation