milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/15/2017 about Debt collection (I do not know) with Convergent Resources, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Convergent Outsourcing,  XXXX   XXXX   XXXX   XXXX   XXXX , WA  XXXX  (  XXXX  )  XXXX , is attempting to collect on debt that I never established a contract with them on. Without a contract there is nothing legally binding me to pay this company any money. At this time I will also inform you that if your offices have reported invalidated information to any of the  XXXX  major credit bureaus (   XXXX   XXXX   XXXX   XXXX   ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports. Convergent Outsourcing is in violation of the following : Fair Credit Reporting Act Fair Debt Collection Practices Act Defamation of Character.   I have made several attempts to resolve this issue but the company indicates that they do not have the account in their records but it continues to appear on all  XXXX  of my credit reports.   Account #  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 09-06-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (VA).
Issue: Account opening, closing, or management

Complaint: Hi, I opened up a CitiGold checking account back in XXXX 2015 using a promotion that would give me XXXX XXXX XXXX miles once I 've made XXXX bill pays and {$1000.00} in purchases on my debit card. I completed the requirements and had n't seen my points post yet. I had several calls with their rep that confirmed that I would see the miles posting within 60 days. After constantly calling the rep and sending a secure message they would change their mind and said I was n't qualified for the promotion only after they took over 20k sitting in their account so i would n't get charge a min fee and had me do bill payments and debit charges to later disallow me saying it was only for new customer with out ever being part of the original terms of agreement.

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 05-04-2015 about Student loan (Non-federal student loan) with Account Control Technology, Inc. (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: A company called " account control technologies '' ( XXXX ) XXXX keeps calling me about a student loan in collections for a borrower with whom I have no relationship. This is a loan for which I did not sign anything. The borrower listed me as a reference ( without my permission or without notifying me ), and the company " Account Control Technologies '' is calling me using phone numbers that I provided to the loan company XXXX XXXX for ANOTHER, UNRELATED account. Its not right for them to call me over and over again about a loan that I have absolutely no legal relationship to and when I asked them to stop calling me a few weeks ago, they called again today ( twice ) on all of my phone numbers. Today, I asked to speak to a manager, and he told me that not only will they continue to call me but they " legally '' can refuse to provide me a copy of the loan documentation where my name appears. This is harassment. I have no relationship to this loan and I never consented to be any sort of " reference. '' The company whose loan they are collecting on ( XXXX XXXX ) did not obtain any signatures from me about being a " reference ''. If it was included on a form by the borrower, IT WAS DONE WITHOUT MY KNOWLEDGE AND WITHOUT MY CONSENT. This should be illegal.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/28/2018 about Mortgage (Other type of mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Closing on a mortgage

Complaint: Ocwen Loan Servicing is using insider relationships with its crooked law firm XXXX XXXX who is training fairly new lawyer XXXX XXXX to assist the pretender lender loan servicer with embezzlement white collar crimes so the pretender lender loan servicer can temporarily increase its revenue.. I will be filing a lawsuit again XXXX XXXX law firm and its crooked lawyer XXXX XXXX for assisting with fraud claiming to have looked at all the documents having personal knowledge using its cozy relationship with XXXX threatening me with trustee sale coursing me into hundreds of thousands of dollars in fraudulent increased modifications releasing Ocwen from liability denying me to have any rights to discuss Ocwen white collar crimes with Congress and others, attempting to trap me into a cornier during the time I was under physicians care. I have already consulted with personal injury lawyers who are currently working with authorities and my physicians on my matter preparing to file action against XXXX XXXX. I will never lay down to Ocwen white collar crimes and its shady relationship with XXXX XXXX who is assisting with embezzlement which has caused me and my family serious permanent extreme harm which can not be reversed.

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 04/17/2017 about Bank account or service (Savings account) with KEYCORP (OH).
Issue: Deposits and withdrawals

Complaint: XXXX   I opened a money market savings acct. No service fees with a small interest payment per month. The last statement I received from Key Bank was   XXXX   XXXX   Key Bank made the account dormant since there was n't activity, they stopped sending statements,  Key  Bank did not issue me  XXXX   XXXX  statements for the income. I found my check book and created a login to find out what happened to the account. It was still active and  Key  Bank started charging the account a {$18.00} monthly maintenance charge. I went to Key Bank   XXXX   XXXX   XXXX   XXXX   XXXX  , OH today (  X/XX/XX  ) and asked for a refund from  XXXX   XXXX . He was annoyed he had to talk to me since it was almost closing time and he was " busy '' he said he still had  XXXX  calls before he could help me. I waited. He was upset that the number was so old and he did n't recognize it. He has worked there over 20 years.   XXXX   would not refund my money and said it was part of the original paperwork I signed when I opened the account. The fee was n't charged for 5 years.  Key Bank  never sent me updated terms on the account, monthly statements for the account or the  XXXX  forms for tax purposes. They withdrew a total of {$660.00} that was unauthorized. I feel Key Bank was hiding the account, it had {$3200.00} in the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03-10-2017 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: APR or interest rate

Complaint: Bank of America XXXX. Misleading advertising. " Introductory APR '' " 0 % for 12 billing cycles '' One would think the card has 0 % for 12 months. However, fine print states that " Applies to any balance transfers made within 60 days of opening your account '' and it ONLY applies to balance transfers, not to purchases. Very misleading.

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 07/30/2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have been demanding to see verifiable proff ( an original consumer contract with my signature on it ) with it for MONTHS with the paperwork for XXXX card that shows up on my credit report. They have not provided physical verification of the original signed consumer contact. I have sent them several letters- certified, not certified, and also went to a notary public on some of my paperwork. I keep on getting this letter back from them!

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 01/22/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Caliber Home Loans, Inc. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have been trying to get a loan modification for over 4 years with my lender ( s ). Last summer I was denied based upon the LTV not over 80 %, but the lender would not tell me what valuation they were using despite multiple requests. The home went back into foreclosure during the fall. The lender said I could re-apply for a loan modification, but kept telling me the application was not complete. They made several mistakes then set up a sale date which they will not postpone despite my loan modification being under review.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I Recently Checked My Credit Report And It Stated That All of My Inquiries Were Deleted. Today XXXX/XXXX/2017 I Logged On and They Reappeared. I Also Noticed That My Credit Score Is A Little Lower Because of This Issue.

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 06-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have a pending complaint to Equifax filed thru CFPB   XXXX  . Their response was addressed to a certain   XXXX   XXXX  , not for me :   XXXX   XXXX  . Are they really working on my c/o. Or did they send their response for me to   XXXX   XXXX   and vice versa. Please see following " copy and paste '' " STATUS '' Company responded o n  XX/XX/XXXX  R ESPONSE TYPE Closed with explanation Company 's Response " Dear   XXXX   XXXX  , we received the complaint you submitted through the Consumer Financial Protection Bureau Portal. Equifax has reviewed the complaint and its records. MO FED BK   XXXX   XXXX   account   XXXX   was verified by the data furnisher with your name, current address and social security number. Written confirmation has been sent to you. Please allow 7-10 business days for delivery. If you have documents that release you from these obligations, please forward them to Equifax Disputes,   XXXX   XXXX   XXXX    XXXX , GA  XXXX  or you may visit us at www.equifax.com ''.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Checking or savings account (Checking account) with BB&T CORPORATION (GA).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: I received a settlement check from an attorney that banks with BBT XX/XX/XXXX for {$3800.00}. I took a picture of the check and deposited it into my XXXX account. I placed the check in a folder where I keep important documents. XX/XX/XXXX my husband took my vehicle to a XXXX dealership to get my detailed. He stated he placed my folder in the trunk of the car. XX/XX/XXXX I checked my account online and noticed XXXX missing. I contacted XXXX and they told me there was a duplicate transaction with the check. I went to the trunk of my vehicle, looked in my folder and discovered the check was missing. My husband went to the dealership and spoke to the manager, he stated he would review the cameras. We contacted XXXX and filed a fraud claim on our account. I went to XXXX County Police department XX/XX/XXXX and filed a police report. Case # XXXX. I contacted the attorney and advised him of what was going on. He stated he did not see a dup check on his end. On XX/XX/XXXX I received a copy of the check from XXXX. The check was deposited into a XXXX XXXX ATM XX/XX/XXXX on XXXX XXXX. I went to that XXXX XXXX branch and spoke to the manager he stated the fraud would need to be handled by XXXX and BBT. I went to XXXX police dept and filed a police report Case # XXXX. After investigating the incident the detective stated he spoke to the person that deposited my check she stated she met her cousin and a female, he told her it was his girlfriend and she was having problems with her account and asked her to cash the check for her. XX/XX/XXXX I still have not received my money back. I went to the XXXX XXXX branch today and spoke to the manager again. He contacted the attorney with BBT fraud department on conference. It appears that the attorney filed the proper documents to return my money, he was told BBT deleted the case because their clients acct was not compromised. They never sent any documents to XXXX XXXX. I do n't understand how BBT did not catch that the check was presented a 2nd time almost 2 months later. And how can you just delete a fraud case and not send any documents to the other party? I want this issue resolved immediately!!!! I have fallen behind on ALL my bills because of this. I want BBT to corporate with XXXX XXXX to return what is rightfully mines!

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2016 about Debt collection (Medical) with OPTIMUM OUTCOMES, INC. (NH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: While in the XXXX room at XXXX XXXX XXXX, I signed a form to use indigent funds for I had no insurance or job. they kept me in XXXX overnight. That is where this {$450.00} charge is from. I was unaware they were going to charge me especially after they told me the government fund would take care of my charges. I never would have stayed if I had known. Incidentally, they found nothing wrong with me and I had to go to my pcp to get treated. This collection is on both XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Dear Sir/Madam, I am writing to request you open an investigation surrounding what I believe are unfair, improper and perhaps even illegal practices engaged in by TransitionIn XXXX of XXXX I suffered a significant financial blow when a business I owned failed, which ultimately necessitated a bankruptcy filing in XXXX of XXXX. 

I had several accounts with XXXX XXXX, all of which were in good standing until XXXX XXXX. Up till that point, I had never had any inaccurate credit reporting, or felt poorly treated by XXXX, and in fact had a stellar reputation with them and a very good credit rating overall. 

In XXXX of XXXX, XXXX was notified, as were all of my creditors, as to the Bankruptcy proceedings. At that time the accounts mentioned should have been reported to credit bureaus as " closed ''. 

Further, XXXX has repeatedly, and with what seems to be malice and purpose, incorrectly reported the disposition of my accounts to The Credit Bureaus. I have tried to resolve this by opening over XXXX investigations with each credit bureau, sending supporting documentation including bankruptcy orders, discharge orders, etc. to the credit bureaus, sending the same documentation to XXXX as well as having my attorney contact XXXX. Ultimately this has yielded " 0 '' results, and the Credit Bureaus, despite my submission of supporting and explicit documentation, claims XXXX has verified the reporting. It is my belief this constitutes a willful and purposeful intent to harm me as a consumer, and is a violation, at the very least of the FCRA, but XXXX consist of even more severe violation of other laws and/or regulations. 

XXXX has consistently incorrectly reported account on all XXXX of my reports in this way and despite supporting documentation to the contrary, the credit bureaus continue to incorrectly report it : '' Doubled '' accounts showing them twice, thus severely damaging my credit rebuildingHas reported accounts as being enrolled in a " wage earner program '', which has never been the case, and has damaged my credit worthiness. 

Is reporting most accounts as closed XXXX XXXX, even though they should show closed in XXXX of XXXX, which is severely damaging my credit rating. 

Has/Is reporting accounts as " open and late ''. 

the credit bureaus refuse to revise these inaccuracies, and seem only willing to list what XXXX tells them, despite my myriad documentation to the contrary.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Asset Recovery Solutions, LLC (NY).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: On XXXX XXXX, 2015, I received a letter from Asset Recovery Solutions , LLC, ID # XXXX, XXXX license # XXXX, The letter was dated XXXX XXXX, 2015, The company owned meter stamp on the envelop was dated XXXX XXXX, 2015. I moved XXXX XXXX 2015. I filed a moving notice with the XXXX XXXX the last week in XXXX. 

This, letter as stated above, arrived at my new address on XXXX XXXX, 2015 with an official yellow forwarding label placed by the XXXX XXXX dated XXXX XXXX, 2015. This letter was NOT mailed to me on XXXX XXXX, 2015, but rather sometime in XXXX with a date placed by this preditor company of XXXX XXXX. The company owned meter stamp was altered to reflect a date of XXXX XXXX, 2015. 

This company will stop all proceedings against me at once. 
any manner.

Company response to consumer: Closed
Consumer complaint received 10/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts Credit Bureaus post on a credit report. Otherwise, anyone paying for Credit Bureaus reporting services could fax, mail or email in a fraudulent account. 
I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) Credit Bureaus have on file of the XXXX XXXX XXXX account .Ive Been trying to verify this account for four months from XXXX XXXX XXXX XXXX and the Credit Bureaus failed to positively verify these accounts and has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof

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 07/15/2016 about Debt collection (Auto) with FORD MOTOR CREDIT CO. (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: This debt is an old debt back from XX/XX/XXXX that I have been harassed by XXXX for. I currently have a modification saying that I owe XXXX that was dated XX/XX/XXXX. They garnished {$60.00} from me on XX/XX/XXXX. On XX/XX/XXXX they took {$370.00} out of an account that was not mine. I am a signer on someone elses account and they took money out of their account, and my savings and checking. They left all accounts with a XXXX balance. The person whos account they took from is not my spouse and it is not their debt.

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Billing disputes

Complaint: In XX/XX/XXXX, our Menards card through Capital One was denied at our local Menards. Upon contacting Capital One, my wife was told that she could not be given the account balance since her name is not on the card. Thinking the balance was small, my wife sent {$27.00} to Capital One. We had not realized at the time that we had not received a statement since XX/XX/XXXX. Upon visiting Menards today, the card was again denied. I promptly called Capital One and was told I had a {$28.00} balance and could make a {$63.00} payment to settle finance charges. I authorized the payment from our checking account and immediately opened an online account. I then discovered that our balance was {$190.00}, not {$28.00}. I again called Capital One customer service and requested a full record of the account. I was told that the US Post Office had returned our XX/XX/XXXX statement as undeliverable with no forwarding address. WE have lived in the same single family home for 20 years and have not moved. Capital One confirmed the correct address but had not sent a statement since XX/XX/XXXX. I immediately changed to paperless billing and closed the account.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2017 about Mortgage (Other mortgage) with JPMORGAN CHASE & CO. (TN).
Issue: Loan modification,collection,foreclosure

Complaint: I ATTEMPTE D THREE TIMES TO REFINANCE MY MORTGAGE THROUGH J.P. MORGAN CHASE. I   RESEARCHED THE HAMP ( I BELIEVE THAT 'S WHAT THE ABBREVIATION IS ... .THIS WAS IN  XXXX  ). THEY DENIED ME THREE TIMES. THE FIRST TWO ATTEMPTS I WAS TOLD, " YOU DID NOT TURN YOUR PAPERWORK IN T O US I N TIME. '' THE THIRD TIME I SENT ALL  XXXX  PAGES OF DOCUMENTATION IN TO THEM TWO TIMES. THEY CONTINUED TO SAY I DID NOT TURN MY PAPERWORK IN ON TIME. THEREFORE, I HAD TO QUICKLY SELL MY HOUSE. NOW I AM CURRENTLY HOMELESS.  XXXX   XXXX   XXXX   XXXX    XXXX   XXXX    XXXX   XXXX , TN  XXXX  OLD ADDRESS WAS :  XXXX   XXXX   XXXX   XXXX , TN  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2016 about Mortgage (Home equity loan or line of credit) with CITIZENS FINANCIAL GROUP, INC. (OH).
Issue: Loan servicing, payments, escrow account

Complaint: Since XXXX 2016 I have had trouble with posting payments to my account. I have made all payments within payment time and they have not posted when made I have never been late on any payments. I followed all Citizens procedures and contacted Citizens Bank the last 5 months at least 70+ times on a recorded line. I also was told not to make payments and still made all on time, They said their software was not capable to handle my Home equity mortgage payment. we were reported to credit bureau which caused our credit score to drop from XXXX,XXXX,XXXX, to XXXX to XXXX They have agreed to fix this for me because of their mistake but I have heard this for the last 4 months We want our Credit Scores fixed with XXXX credit bureau asap, I have had credit scores around XXXX my whole life and have never been late on anything. Please help us with this issue Thank you very much XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Hi, I received a notice from Midland Funding LLC in regards to a debt that I have no prior knowledge of for the amount of {$570.00}. I believe this is a mistake and I have notified Midland through an online dispute and would like to get this removed immediately off my credit report.

Company response to consumer: Closed with explanation