milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/16/2017 about Debt collection (Other debt) with Convergys (TN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I am not sure of the exact date but it was about 2 weeks ago. Convergys ( collecting for XXXX ) called my father and after he told them that he was not me they still continued to verify sensitive information like my social security number. I had set up a payment plan but fell behind because they told be that it would n't hit my credit report if I paid ( they told my wife ) something monthly but it did. This company is horrible and I feel my rights were violated because they gave my sensitive information out.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: FedLoanServicing emailed me on XX/XX/XXXX that they were processing my application. On XX/XX/XXXX they left me an electronic message on their website that I was not eligible and to furnish requested information to reapply. I uploaded the requested information to their file via PDF format 2 business days ago and have not received any email at all confirming that they are processing the PDF file. So in other words, information requested was uploaded onto my account electronically and no message whatsoever that it was being looked at or responded to. I mailed a completed application today just to cover all bases but I am very concerned that FedLoanServicing is becoming grossly incompetent without any way to contact for any sort of a timely response. I have been with FedLoanServicing since XX/XX/XXXX, and they have never been so late with response. Prior to XX/XX/XXXX, FedLoanServicing service was fast, competent and complete. I am very concerned, and I have no way of knowing if or when my application or my information is being read or considered. There is no accountability, and the turn around response rate was never close to being this late. There is no one to call and ask, just random service reps who politely answer calls, assist as they can and patiently explain details. The customer service reps are the only line of communication until a written electronic response is finally made. It never took so long to receive a response to application from the processing dept. as it does now.

Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2017 about Consumer Loan (Vehicle loan) with CREDIT ACCEPTANCE CORPORATION (MI).
Issue: Taking out the loan or lease

Complaint: This is what happened. I had been leased for a car back in XXXX XXXX. I did n't know know anything about the creditor nor the bank that the dealer had done my loan account and amount for the loan I was asking for. I have never had the copy of the contract for the vehicle or loan. All I was giving was the application I did n't fill out. It was all electronic and electronically signed by the dealer. Until XXXX XXXX I was barely able to make the payments. I looked over the paperwork that the dealer had given me and the only thing correct on the application for the car loan and for the vehicle was where I was employed. My monthly income, when I started my employer, and my housing situation was all false information. I called the creditor to explain to then that the information was incorrect. They would n't change it nor listen to what I had to say. They claimed to have a paystub that I did not give them. The paystub they had informed me that I had gave them was dated for XXXX XXXX, XXXX. I had n't even spoke to them let alone fax such a paystub. I 'm very upset now because they finally came and reposes the vehicle after I had explain to them to come take the car back in XXXX XXXX. I can no longer get my personal belonging from the vehicle. I do n't car about the car itself. I just would like my personal belongings from the vehicle. The creditor who hired the repossession never contacted me so i was able to get my belongings out of the car. In fact I still have the key to the car. When I was at the dealer I was informed that there was only XXXX key and that was it. I never had duplicate. So currently i had to quit my job because I 'm not able to get to my employer. I ca n't get any of my personal belongings from the car because the company who took it for the creditor will not even contact me back about my belongings and I would never be able to get to the place the vehicle was take to. I need help to get this taken care of and I 'm a poor college student. I 'm having to move as soon as my current school semester is over in XXXX XXXX because I have been homeless sense last XXXX XXXX. I was actually sleeping in the car they had reposes. Credit Acceptance, home-base of XXXX Michigan is the worst

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 06/13/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I was checking my credit report and saw a notation that a debt collection agency had been added to my report. Diversified Consultants had submitted a report I owed a debt of {$34.00} to XXXX. I was never notified by XXXX or Diversified of this debt. I was never given the opportunity to pay or dispute the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2016 about Debt collection (I do not know) with LTD Financial Services, LP (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: LTD Financial Services is fraudulently attempting to extort monies from me fully knowing that I did n't, or ever have signed ANY document, agreement, or application with them. 

Per Federal Law, they have NOT provided any of the above mentioned documents, and need to immediately cease with their fraudulent extortion attempt.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (GA).
Issue: Deposits and withdrawals

Complaint: I bank with Wells Fargo, Checking account and savings. Wells Fargo is engaged in illegal business practices of my account. Yes I have been overdrawn a bit. I am a XXXX veteran, I have direct deposit. On XX/XX/XXXX. I deposited XXXX in my account. A Ga. Lottery check. I told the teller to take the money out for the overdrawn amount. He did n't. Instead he gave me XXXX And said he was going to deposit XXXX And on the next day I can come and get the other XXXX. He did n't tell me anything about the hold until after I had deposited the money into my account. I got the XXXX out the next day but they charge me the XXXX plus the overdraft fee. I need my money. They put a 10 day hold on a Ga. Lottery check. They do n't always put hold on certain customers checks. I have been having problems with them every since I been with them. It does n't take 10 days to verify a state check. I have deposited one before and they did n't put a hold on it. And I was overdrawn at that time. I ca n't pay what I needs to pay and get me some food. They have made it to where I do n't have no choice but to get my money out what ever they allow me to have for my personal use. Which have created more overdraft fees. I tried to resolve this matter several times with them to no avail.

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 08/25/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (MD).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: When I saw there was a {$840.00} negative account on my credit report when attempting to purchase a house inXX/XX/XXXX, I notified the credit bureau that I was not aware of this charge on my account. Subsequently the creditor ( Midland Credit Management Inc. ) sent me a response on XX/XX/XXXX stating that they were unable to determine the nature of my dispute and denied that their records were incorrect. Phone calls continued to come to my home phone, letters requesting payment of the debt and eventually they filed a lawsuit against me. My only issue with this all is that they expect me to pay for a bill that someone from Mississippi made. I have never lived in Mississippi and do not know anyone who lives there therefore did not feel I was obligated to pay this debt. My court date has now been set for XX/XX/XXXXand I have to put time and money into a debt that I did not make. Can you assist?

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Debt collection (I do not know) with FAIR COLLECTIONS & OUTSOURCING, INC. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Last XXXX XXXX, XXXX, I wrote a letter pursuant to FDCPA and FCRA, requesting copies of validation documents with regards to this account they are reporting allegedly on my credit report. To date, I have not received any validation document from this company. More than 30 days have already past and this account is still unvalidated. The account number, balance, opened date, date account assigned/sold to them my personal info, everything has not been validated. Attached are copies of the letter I sent them last XXXX XXXX and the letter I am sending them today XXXX XXXX, XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2015 about Other financial service (Debt settlement) with National Budget Planners of South Florida, Inc (MN).
Issue: Fraud or scam

Complaint: I was contacted by National Budget Planners and they told me that they could help me re-consolidate and manager my loan repayments for me so they would be affordable based on my income. I was told I would qualify for the pay as you earn program and my payments would be {$39.00} a month which was the charge they had for their services and my monthly payments would be {$0.00}. I also paid an up front charge of about {$490.00} which was broken into three payments. This all happened on XXXX/XXXX/2015. My loans were consolidated by my monthly payments were {$250.00} dollars and National Budget Planners were not helping me with the process. I called them over 4 times in a month period to try and have the problem resolved which has yet to happen. My account was XXXX days delinquent so I called XXXX XXXX to figure out what could be done. The number they gave me were a lot different that National Budget Planners and there was no monthly or up front chargers for me to take care of my loans.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 06/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX   XXXX   account that was opened  XXXX  was charged off in  XXXX . Item was paid in full  XXXX   XXXX . Equifax and   XXXX   are both still reporting this account as late for a payment status instead of paid. Also, Equifax is incorrectly reporting as " failed to pay '' for  XXXX ,  XXXX  when there is nothing left to pay. This account was paid off 3 months ago for the full balance due.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AMERICAN EXPRESS COMPANY (OH).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Im trying to buy a new truck and the place where im getting the truck told me that I owe American Express a large sum of money which is incorrect. I called American Express they said they are showing the same thing but I do not have a balance on the card. I dont know how long this has been going on but its affected my credit alot. They told me that they would fix the problem but still haven't Im beyond mad because I probably wont be able to get the loan for the truck because of them.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: The following credit inquiry is fraudulent and unauthorized : XXXX XXXX, XX/XX/2018, Address Identification Number : 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 09/16/2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX is reporting that I have XXXX outstanding debts with their company, on my credit report. They are reporting XXXX separate debts of {$1700.00}, {$520.00}, and {$480.00} respectively. I am unaware of any of these. I have contacted XXXX numerous times requesting a verification of these debts, but the will not give me any information about the origin of these debts they are reporting. They just ask me to pay them, even though I do n't know what they are.

Company response to consumer: Closed with explanation
Consumer complaint received 11/26/2016 about Mortgage (Conventional fixed mortgage) with loanDepot.com, LLC (PA).
Issue: Application, originator, mortgage broker

Complaint: I started working with a company called LOAN DEPOT. I sent a ton of documents. This went on for several weeks. Tax forms faxed to the second person handling our refinance. I was told it was go and everything looked good. We have excellent credit. I explained everything that was on our credit report. He told me that he would be needing an appraisal at some point. I told him let me know because I use a medical debit card and would need to put the money in. I was in an accident had to go to the ER and and when I went to pay my card was declined. I checked my account and they took out XXXX without telling me. My husband has loan on his c credit report but I explained that we do n't pay the loan my son does. And h he has been for 3 years. 
I was upfront about this and they said it was not a problem. I asked for my appraisal back since they did n't give me the loan that they said was a go..I was told it would go into for review about the refund. They once again sent and email denied the refund. I was told by another mortgage company that you do n't do an appraisal unless you review all the paperwork, tax returns, credit reports etc ... These guys wasted weeks of time, energy, and money only to get nothing. I have refinanced before and never have I had so much problems with documents having to be refaxed. I was told that you ca n't fax documents. 
I just want my XXXX back. I am with another bank and had to pay for another appraisal. This loan is a go but these people lead me on and just c continued to ask for more documents that they already received. It took six weeks to figure out whether or not we would qualify. Well we certainly ha had all the documents in order. We have very good credit. Just stole XXXX from me and probably knew they would never go through with the refinance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I ordered XXXX cable/internet service in XXXX 2013 for my apartment. I cancelled service and returned all equipment in less than XXXX days, and have been told on multiple occasions by XXXX representatives that I did not owe any money because of their " 30-day money-back guarantee ''. I received several bills afterward and have been harassed by debt collection agencies ( multiple phone calls a day ) for the past two years regarding a ~ {$200.00} debt I do not owe. Every time I reach out to XXXX they confirm that they see on my account that my equipment was returned in under XXXX days and I should not have been billed. They also continue to promise me that they would clear my account, yet the harassment continues. I have wasted countless hours dealing with this issue for the past two years.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2016 about Bank account or service (Checking account) with HUNTINGTON NATIONAL BANK, THE (OH).
Issue: Making/receiving payments, sending money

Complaint: My checking account with Huntington Bank, # XXXX, is set up to automatically make a payment every month to XXXX on XX/XX/XXXX. XX/XX/XXXX, my automatic payment was not made and no notification was given to me regarding the lack of payment. As a result, XXXX reported me to the credit bureaus as being 30 days late. I found out about the issue on XX/XX/XXXX and manually created a payment for {$120.00} to be send to XXXX on XX/XX/2016 ; so if you look at my history, XXXX payments went out on this day - the one I input the the normally scheduled payment. 

I had plenty of money in my account to cover the {$120.00} payment on XXXX, but even if I had n't, Huntington bank should have at least notified me of the issue. I talked to XXXX and because I had never been late on a payment before, they waived the late fee, but I was still reported as being 30 days late. I need my credit reports fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2016 about Credit card () with PNC Bank N.A. (VA).
Issue: Late fee

Complaint: I have asked several times auto pay form but bank did not send it but charged several times late payment fee.

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2015 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (GA).
Issue: Unauthorized transactions/trans. issues

Complaint: I have been on the phone with Rush Card for 2 weeks now about my balance being at XXXX instead of XXXX and my card being used when I was n't using it. I tried to call and the phone is being hung up or not answer. I have been on the phone today for XXXX hours trying to see why my card is deactivated. I got told the system was down, they sent me a new card in which I have n't received, and the next XXXX yelled at me and now as I type I am on hold again and it had been XXXX mimutes. They are not giving any answers about this and all I want is my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/13/2016 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Experian refuses to block this information that resulted from identity theft. I notified them that my ID docs were previously stolen and I included my police report, affidavit and ID docs to no avail. I did not open this account, nor did I apply for it. This must be blocked pursuant to section 605B of the FCRA. 
XXXX XXXX this account is fraudulent and must be blocked pursuant to section 605B of 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 explanation
Consumer complaint received 07/25/2017 about Debt collection (Medical debt) with Aargon Agency, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This company, which I hold no contract with nor received services from, reported a collection account against my SSN in the amount of {$320.00} with XXXX, XXXX, & XXXX credit reporting agencies. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for services or goods they have provided nor have they provided adequate proof i am not obligated to pay the alleged 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 explanation
Consumer complaint received 02/24/2018 about Checking or savings account (Checking account) with FIFTH THIRD FINANCIAL CORPORATION (TN).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: On XX/XX/2016 I transferred money out of a joint account with my husband since he was stealing my inheritance in large chunks. I opened an account online in my name along with a friend to meet insurance issues ( two people on the account in case something happened to me. On XX/XX/2016 my husband went into Fifth Third Bank XXXX, TN and as he leaned over the teller desk some, the teller turned her screen to let him view my account, MY ACCOUNT not his. I was recovering from XXXX XXXX at the time. In a few days I moved the money back to our joint account but that's not the issue. When I was well enough, I wrote checks to other banks to deplete funds there but first I gave them three weeks to simply open a {$1000.00} savings account for my friends first grandson as a gesture of making things right for both of us. They refused so I moved all money. This has ended in a divorce between my husband and I and him taking {$440000.00} from me. I first reported this to the FDIC and they suggested bringing it here. FDIC however reported it to the bank and I got a letter stating that I was in the bank with my husband which was a complete fabrication unless he had another woman with him and I don't think so. I responded to them that I was not in the bank. I have yet to hear anymore. I expect them to reimburse my {$440000.00} in lieu of a lawsuit. In the meantime for the divorce proceedings, I am in need of statements from my accounts and it's like pulling teeth. Fifth Third Bank breached my privacy and I want things made whole for me or I will seek litigation. XXXX XXXX is the branch manager and greets me with discourtesy when I enter the bank. XXXX XXXX in the office of the president has been getting me copies however it has taken 4 or 5 batches to get everything. The least they should do is get me statements without a hassle. Bottom line, Fifth Third Bank breached my privacy causing me a divorce and {$440000.00} plus now {$20000.00} so far in legal bills. Short of a lawsuit, they need to make {$500000.00} up to me now without any more stalling or deceitful acts. 
Sincerely, XXXX XXXX XXXX I will call for their charter to be revoked in a lawsuit and this manager and the teller to lose their jobs. They have caused extreme and unusual stress in my life. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2017 about Debt collection (Medical) with Simon’s Agency, Inc (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This debt was  discharged  on  XXXX / XXXX /   2017  after  Simons Credit agenc y could not validate the debt. However, they have resubmitted the account to my credit report after deleting it days later.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation