milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/26/2015 about Debt collection (Credit card) with Kirkland Asset Management LLC (VA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I received a call from XXXX on Thursday,  XX/XX/2015, around XXXX The representative did not identify their business even after I asked them. The rep stated that they were calling in reference to a claim for an XXXX debt but did not provide me any information concerning this debt. The rep stated that a legal courier would be coming tomorrow, Friday, XX/XX/2015, to deliver certified documents. The rep asked me about doing payment arrangements which I did not do as I had no information concerning this debt.

My mom received a call from XXXX on Thursday, XX/XX/2015 from a rep who left a voicemail message identifying herself as XXXX. She left an ID number on the message.

I looked up this toll free number in Google and found out that it belongs to Kirkland Asset Management.  I would like this business to cease and desist all phone communication with me, family members, friends, and anyone associated with me effective immediately. I believe their communication with me violates the Fair Debt Collection Practices Act. Please investigate this business. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2016 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: COMMONWEALTH FINANCIAL XXXX/XXXX/XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that COMMONWEALTH FINANCIAL or any company associate with this account # and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : COMMONWEALTH FINANCIALor any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Transaction issue

Complaint: I have a dispute with XXXX XXXX over a a cancellation fee they are charging me. The merchant has provided capital one dispute team, with inaccurate false information and Captial one 's dispute account managers are not doing their due diligence in investigating the situation. I have been told misinformation since XXXX XXXX, 2016 and my last encounter with the rudest account manager i have experienced there is what has drawn me to file this complaint. He proved to me that they are not reading the submitted materials. They are interpreting hard facts in the favor the merchant. THe last account manager, Said he was the HIGHEST person I would be able to talk even if the information he provided was inaccurate. I asked him for his name and ID and his name is XXXX. His attitude and knowledge exemplifies the on going problems that Cap One has with proving customers with accurate, timely information.

Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2016 about Debt collection (I do not know) with Stellar Recovery, Inc. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XXXX/XXXX/16, I received an online alert from XXXX Credit monitoring for which I am a subscriber. After reviewing my credit report, I noticed a new collection account for STELLAR RECOVERY INC that was reported via XXXX ( account XXXX ). I obtained my free credit report from XXXX on XXXX/XXXX/16 and filed dispute XXXX. On XXXX/XXXX/16 XXXX removed account XXXX from my XXXX credit report. On XXXX/XXXX/16, I received another online alert from XXXX Credit stating that STELLAR RECOVERY INC reported the same account that was previously deleted from XXXX to XXXX on XXXX/XXXX/16. I have previously called STELLAR RECOVERY INC and there only methods for disputing an item directly with them is to email your social security number via unsecured public email or to call an answering maching and leave your social security number. Neither of STELLAR RECOVERY INC methods for communication are reliable, documented or secure. I am deeply concerned that STELLAR RECOVERY INC is shopping credit bureaus to solicit a settlement for a debt that I do not owe. This unscrupulous behavior is harrassing and time consuming since they are bouncing the debt around to varying credit bureaus. The contact information for STELLAR RECOVERY INC is as follows : Stellar Recovery Inc, XXXX XXXX XXXX XXXX XXXX, XXXX MT XXXX Phone : ( XXXX ) XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2016 about Student loan (Federal student loan servicing) with WELLS FARGO & COMPANY (WI).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Every two months, Wells Fargo loses my online account info and locks me out. They also " lose '' the contact info I call every two months to correct. And although they record calls, they hang up if I tell them I too am recording the call to protect myself. I called back and again informed them I am recording the call and the woman told me " then I ca n't talk to you. '' When I asked for supervisor, she put me on hold. An hour ago. I am still holding. I am completely at their mercy!

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 04-07-2015 about Credit card () with SYNCHRONY FINANCIAL (MO).
Issue: Credit card protection / Debt protection

Complaint: I made a credit card payment for XXXX and Synchrony Financial received it on the last day of their XXXX cycle ( I made an early payment ) and they now say I did n't make a XXXX payment at all and they are charging me " late payment '' fees and my minimum payment has gone from {$67.00} to {$160.00}. I have contacted them XXXX times in the last XXXX days and they removed XXXX late fee and said that is all they can do. So my minimum payment went from {$200.00} to {$160.00}. This is all because they received an early payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/17/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: ACCOUNT FOR XXXX XXXX HAS BEEN FULLY PAID AND CLOSED SINCE XXXX 2014.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2015 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: On XXXX XXXX 2015 I noticed that Equifax has an old address as my current address and my current address as an old address. What is more, Equifax lists the incorrect current address ( i.e., my old address ) as being reported with an older date than the correct current address. I tried that day and today via online and telephone to have Equifax switch the XXXX addresses. The wait times for Equifax are inordinately long. The process Equifax wants me to go through to have the correction made because of their incorrect processing of my records is onerous. I am paying Equifax for a credit monitoring system and I am subject to shoddy record keeping and grossly poor customer service. Please have Equifax fix my record -- the record they are n't keeping correctly. Thank you. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I call transunion try to resolve an issue with my credit report and credit inquiry 's that I do not knowledge. The customer service was horrible I was getting cut off all the time when I wanted to ask or talk to the representive I after verifying my identity he instantly responded that he ca n't remove any inquiry 's or the collection on my report that I have not authorized. In addition the customer service did not want to help remove the inquiry 's and collection account

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 Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: In case # XXXX on XXXX/XXXX/2016, Wells Fargo stated they would have the account canceled in 2-3 weeks. They have not canceled the account as of XX/XX/XXXX and are unwilling to provide a date for when this will be resolved and have stated they will continue to send me bills demanding money for a loan they never funded, was canceled, and are aware was canceled. 

At this time, they 've violated the Right to Cancel time frame and their previous written understanding based on the previous complaint. They have been told I 'll only respond to things in writing as they have to refused to provide me with any information I can verify independently over the phone. 

Similarly, based on my call to XXXX, their statements that they are speaking with them to " resolve '' the issue appears to be incorrect as I was told there was no cancellation process underway by XXXX and the " contact name '' they gave me does not return my attempts to contact him. 

& gt ; The account was noted on XXXX XXXX, 2016, that the cancellation request had been received. We confirmed that the account cancellation is being processed and that can take two to three weeks. Once the account is cancelled that information will be forwarded to the county to have the lien released

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 07/14/2016 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: My XXXX XXXX account has a credit limit of {$2500.00}. I have disputed this directly with Equifax twice and their update states my credit is {$650.00}. The other credit bureaus are reporting the correct credit limit. XXXX XXXX has the {$2500.00} credit limit in their records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Riverwalk Financial Corporation (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: cra and hiippa violation sent police report please remove hippa and cra violation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2015 about Bank account or service (Other bank product/service) with Social Finance, Inc. (TX).
Issue: Account opening, closing, or management

Complaint: Sofi has ignored my request to stop sending me emails concerning refinancing of my student loans despite following the instructions they provided now XXXX times. XXXX times I have received " confirmation '' Sofi has removed me from mailing lists, but the emails keep coming. This has been ongoing for more than one week.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2017 about Debt collection (Other debt) with Convergent Resources, Inc. (MN).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Convergent has requested a bill for XXXX however I have not been able to verify that this debt collection is anything I owe for.

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 01/26/2017 about Debt collection (Payday loan) with Advanced Professional Group (MO).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I defaulted on my payday loan with XXXX. I got into a difficult financial situation and am trying to get caught up. Have spoken with reps at their collection agency APG about working out a payment plan but I do n't know yet how much I can pay until my payday the XXXX. So instead of waiting 5 days they call my work and cell multiple times a day to see if I have magically gotten money yet to pay them off. They sent a verification of employment letter to my employer today. I thought they could only do that if they have n't been in contact with me?

Company response to consumer: Closed
Consumer complaint received 02/22/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (WA).
Issue: Account opening, closing, or management

Complaint: Chase indicated to me that they have decided to 'restrict ' my account and told me that I can not access the funds I currently have in the account, which is XXXX. I went into my local branch on XXXX XXXX and had a teller call an account specialist who indicated that my account was restricted ( meaning no money can go in or come out of the account ) and that Chase would be closing my account and sending me a check for my balance. The teller was told this would take XXXX10 days. I went back to the branch today XXXX after XXXX business days as I NEED my money to pay bills which are now late and charging me additional fees. I had another teller/manager call their 'back office ' and then told me that they can not give me my funds until the 'back office ' says it 's OK. I asked how long will that take, as I was told a max of 10 days and she told me they would n't / could n't tell her. I can still see the balance sitting in my account and this is putting me in a DIRE situation. I even have chase credit cards I ca n't pay because their bank wo n't give me MY money. If I were to do this and take XXXX of their money and tell them I 'll give it back to them ... ..'sometime ' ... I 'd be arrested. I do n't see how this is legal or allowed.

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: this collection has been removed by XXXX and XXXX. Not sure why XXXX is reporting. This account was not opened with my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2015 about Credit reporting () with EQUIFAX, INC. (MA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: To whom it may concern : I am writing to dispute errors on my credit report that show some of my accounts as past due, in collections and charged off/missing payments. I have attached payment records of all debts referred to in the chart below, which I provided for my background check. These errors are hurting me from attaining clearance for a government job, as it seems I am not paying my debts, especially my government student loans, which is not the case. If these errors could be corrected/updated it would be very helpful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-10-2015 about Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (NY).
Issue: Loan servicing, payments, escrow account

Complaint: Freedom Home mortgage acquired our loan from XXXX XXXX company beginning this month. My husband, XXXX XXXX, is listed on the mortgage with me. When I contacted the office as they state they are unable to locate my insurance information, I was advised they do not have me listed as a borrower and will not speak with me. Advised that I have the loan paperwork showing otherwise and they should produce the original documents which they were unable to do so. They now are not paying the loan insurance that is due to our insurance carrier from our escrow account. 
Now they are informing me that they are not listing me as a borrower on the account regardless. Please help!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2018 about Checking or savings account (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint: On XX/XX/XXXX I authorized a XXXX XXXX transaction order # XXXX / XXXX was captured XX/XX/XXXX at XXXX XXXX documented on a solid signal order transaction list emailed to me. The list revealed a XXXX XX/XX/XXXX credit after I requested a product shipment return authorization. My capital one 360 checking account was debited XXXX twice on XX/XX/XXXX and XX/XX/XXXX.On XX/XX/XXXX XXXX was credited.On XX/XX/XXXX a billing error occurred on transaction USPS XXXX XXXX XXXX XXXX XXXX NJ , I was debited XXXX for a XXXX priority mail package without receiving any cash back.My current available balance is incorrectly calculated as XXXX cent but the total excluding the ( XXXX XXXX double debit and USPS XXXX dollar overcharge ) errors should be a XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. ().
Issue: Problem with fraud alerts or security freezes

Complaint: I recently placed a security freeze on my credit. 

I signed up with TransUnion and was charged {$5.00}. 

The very next morning, I received a wholly misleading email from TransUnion that clearly made it look like I had signed up for monthly credit monitoring. ( An image is attached ) In big type, it said : TransUnion Credit Monitoring. Thank you for signing up! Yes, show me my credit ( This last part was on a large orange button ) Only below, in very small type does it make clear this is an offer to sign up for monthly, billed credit monitoring. 

I am a savvy consumer, and the presentation/wording of the email was so misleading, I actually wondered if I had accidentally signed up. I 'm certain others are fooled. 

TransUnion needs to stop this shady and misleading advertising. ( The fact that they are marketing this at people who froze their credit -- likely because they are the victims of some kind of credit fraud already -- is unconscionable. Please make them stop. 
I also do not believe that I opted in to receive marketing emails.

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 05-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XXXX -credit limit not  XXXX  accounts with a balance   XXXX    still showing on report  XXXX   XXXX  -  XXXX   XXXX   XXXX  card.   Age of credit history not current.

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 11/22/2016 about Debt collection (I do not know) with Central Portfolio Control Inc. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: We bought a home in XXXX 2011 and got a landline number from XXXX. Apparently the number previously belonged to someone else, because for the last 5+ years we have received dozens of calls from various debt collection agencies asking for a XXXX XXXX . We do n't know anyone named XXXX XXXX, and we always tell the caller this and request that they do not call our number again. 

What would prevent one debt collector from simply re-selling the debt portfolio to another agency, with our phone number still attached to a debt for XXXX XXXX? How can we ensure that our phone number is divorced from this unrelated debt?

Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2016 about Debt collection (Medical) with Trust Financial LLC (WY).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: Rocky Mtn. recovery system has sued me for not responding to a workman 's comp related medical debt originating from XXXX XXXX XXXX due to XXXX examinations and follow ups. Plus, added an additional XXXX to the principal debt of XXXX. However, I 've been paying on the out pocket to a second debt referred by XXXX XXXX XXXX to XXXX for testing involving my workman 's case ( XXXX ). The XXXX debt 's principal is XXXX. I had talked to rocky Mtn. recovery once and told them I would pay the debt when I could, likely after I had got the other higher debt paid off. I believe this lawsuit is an attempt to secure unfair fees and additional values at will. In the judgement there 's additional leverage at a 10 % percent increase annually until paid with additional cost and attorney fees prejudged into. In addition, the judgement allows property, funds and wages by execution or garnishment. I am not sure this is even a real document? It is stamped with names and initalled but no signatures.

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