milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-04-2017 about Student loan (Private student loan) with ACS Education Services (OH).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Please forgive me if I mix up servicer and owner of my loans. Its not always clear what is actually going on and I think that is the point of it. 

On XX/XX/XXXX I was accepted a loan modification offered by loan science on my private student loan consolidation serviced by ACS education. There was a principle reduction and an interest rate reduction to 0 % in the loan modification. The principle reduction was honored which was great, however there has been no movement of the interest rate. 

I first reported this to the CFPB on XX/XX/XXXX that the interest rate had not been changed. The complaint number for the original complaint was XXXX. On XX/XX/XXXX loan science replied that the suggested changes ( interest rate 0 % ) had been made to my account. I waited several weeks to see the changes and they never happened. On XX/XX/XXXX I  provided feedback that the interest rate had not been changed. However, my complaint was still closed. 

What actually happened is that XXXX XXXX sold my loan to XXXX after my complaint without changing the interest rate. That sounds like a crime to me. 

Today I learned that my loan will be switching servicers to XXXX XXXX on XX/XX/XXXX. It was also noted in this document that XXXX will " create a new account number '' for my loan. I assume this is some sort of move to try to distance my loan from my loan modification documentation to further avoid honoring it. Its time to get this sorted out and to quit playing musical chairs with my loan to avoid the loan modification that was offered and accepted. 

The current lender listed on the XXXX website is XXXX XXXX XXXX XXXX and the gaurantor is XXXX XXXX XXXX. This information itself is out of date and probably illegally so since this information has been wrong for over a year. 

I believe that ACS, XXXX, XXXX XXXX, XXXX XXXX XXXXs and XXXX should be contacted and the responsible party should then act.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2015 about Credit reporting () with Fidelity National Information Services, Inc. (FNIS) (GA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I already have a complaint Case number : XXXX, and waiting for your review. I would like to add additional information to the complaint. I contact XXXX by phone XX/XX/XXXX and spoke with XXXX, who stated that she worked in the billing department. I informed her that XXXX ( floor Leader ) claimed that Certegy contact XXXX regarding my dispute, and XXXX ( floor Leader ) stated that XXXX response was that there was unconfirmed conversation or calls relating to complaint about the product that was falsely advertised. XXXX said anything someone call the customer account is noted, and there was a conversation noted about product that I refused and they try to offer me something else, and I reply I call you back. ( the reason I said I call you back, because the conversation was getting debatable with the representatives because I did not want the services ). I have enclosed copy of statement that show that there was a conversation about refunding. On XX/XX/XXXX a transaction was made for {$190.00} under misleading advertisement, XX/XX/XXXX a refund was issuer for ( XXXX ) and it sat there until XX/XX/XXXX part of ( XXXX ) was apply to account that I never authorize or hear of, why would I order a XXXX Standard SSL, without a website. I do believed if Certegy and XXXX had follow the consumer protection law, I would have avoided, embarrassment, stress, credit denial. I call Certegy after speaking with XXXX at ( XXXX ) and spoke with a lady who claim that she needed my bank account and routing number in order to see if a dispute was made, the lady was quoting the same statement that XXXX ( Floor Leader ) had said, after I told him XXXX ( Floor Leader ) said there was a dispute on file. XXXX ( Floor Leader ) said in the beginning that there was no dispute file but when I told him XXXX ( Floor Leader ) said there was a dispute file, then that when XXXX ( Floor Leader ) starting asking for my bank account and routing number, and every since them all the Certegy representatives starting asking for my bank account and routing number in order to see if a dispute was file, I refused cause I thought it was a tactic that will be used against me for payment. XXXX ( Floor Leader ), XXXX and XXXX never asked for my bank account and routing number they asked for my I.D and the state it was issued to pull my account and to see if a dispute was filed. 
I do not trust Certegy representatives at their call center to handle any of my concern going forward. 

Please add this to complaint Case number : XXXX, already on file

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Debt collection (Medical debt) with TENET HEALTHCARE CORPORATION (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a letter from Central Financial Control that was dated XX/XX/XXXX. The outstanding balances are for the following medical bills and dates of service : {$350.00} XXXX XX/XX/XXXX {$1000.00} XXXX XX/XX/XXXX{$350.00} XXXX XX/XX/XXXX {$550.00} XXXX XX/XX/XXXX Within the letter, they state that the letter is " an attempt to collect a debt by a debt collector, any information obtained will be used for that purpose. '' And for the account that is still within the limitations, they are n't reporting the balance correctly, as according to their correspondence. 

This is in clear violation of Florida 's statute of limitation for attempting to collect a debt. I am filing a dispute for Central Financial Control 's disregard for the law and consumer rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: I have a XXXX XXXX ( NOT XXXX XXXX ) account XXXX that has been opened since XX/XX/17 and is being reported to the other 2 bureaus as such, this credit card company ( Corp. office number that handles the info being sent to bureas ( XXXX ) XXXX ) on numerous back and forth occasions state that transunion is listed as one of the bureas they report to as they report to all 3, transunion tells me that this card company must not be reporting to them because they do not gave any account info from them, transunion is telling me that are at fault and XXXX XXXX is telling me transunion is at fault, I am certain that XXXX XXXX report to the 3 bureas as per my research during and after I received the card and became an account holder, transunion states that there is nothing that they can do and XXXX XXXX says they ca n't send over information twice they just send it once a month, transunion recommended that XXXX XXXX give them a call and speak with then directly but XXXX XXXX states that that can not be done because it Is not their policy, I have done everything in my power to resolve this but everyone is blaming each other, I am positive that XXXX XXXX sent over info to ALL 3 BUREAUS but transunion keeps insisting that XXXX XXXX must not be signed up with transunion I am trying to rebuild my credit and find a place to live and I am being told me transunion report will be pulled, and my score and report is hurting because it submit showing the open revolving credit card account from XXXX XXXX which the other 2 show and it 's affecting my well being and life I tried everything, everything, I even tried a conference call but transunion states that are n't allowed to do conference calls and they released the call please help me

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 06/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On Friday  XXXX   XXXX   2017   XXXX  as i have this saved on my phone for personal protection against negligent non-comlpiance from TransUni on . I spoke  with a  XXXX  a  Fraud Assistant Customer Care Representative from ''TransUnion '', a s they are the only ones who can handle my report due to fraud on my credit file. I was on the phone for close to 30mins.  XXXX  found the recent Letter I sent to TransUnion regarding the many Credit Inquiries placed on my file due to Fraud, That letter Contained a  XXXX  Police Report of Fraud with a notorized FTC Identity Theft Affidavit. This is more than enough to vindicate me from these unauthorized ''Credit Inquiries '' on my file.  XXXX   XXXX  they would be removed in  24-48hrs, but as of now they still report on my TransUnion Credit File.    XXXX  I SIMPLE ASK FOR TRANSUNION TO DO WHAT THEY SAY, AND DELETE THESE UNAUTHORIZED AND FRAUDULENT CREDIT INQUIRIES AS THEY PROMISED. If TransUnion is still unwilling to cooperate i will have no choice but to send all this information to my Consumer Protection Attorneys, and My Attorney Generals office.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2015 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (VA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: Restricted # called ex-family member and provided same information. Then called me. This was in regards to my adult son, who has not lived with me for 7 years. Left a message on my phone that a case was filed against him in our local court, have an order to locate. Has been instructed to contact my sons employer. They are in the process of locating him at his work or residence right now. Once filed, he forfeits his legal rights. Call XXXX. Case # XXXX. I called this number and told them they were not allowed to reveal that information and were in violation of sections 804 and 805 of the Fair Debt Collection Practices Act and I would be filing a complaint. Also instructed them not to call me again. When phone was answered, said company was Midland, a litigation firm, and that they were out of New York.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Mortgage (Other type of mortgage) with BAYVIEW LOAN SERVICING, LLC (UT).
Issue: Trouble during payment process

Complaint: continue to charge for insurance even after prof was submitted in XXXX XXXX 2016, continue to charge XXXX per month and will not deduct from loan payment due. Takes all  my loan  payments  put in applied suspense then pay loan payment from that., then payment comes up short and puts me in default Being charges for something I already pay for. Contacted several times to resolve this still with no response. This is not right , feel that there  deceptive practice is very harmful and stressful what next foreclosure .

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2017 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (CA).
Issue: Taking out the loan or lease

Complaint: naver open car loan with wellsfargo bank it is a fraud account for 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 non-monetary relief
Consumer complaint received 08/18/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NC).
Issue: Loan modification,collection,foreclosure

Complaint: I need some help on getting the harp program before it expires. Wells Fargo only wants money no help. They call when I am sleeping and when I try to call back all I get is a voicemail for the last 3 yrs I try to get them to call back and let me know when XXXX call. No call backs. They said my payment was based on what we made that was including my XXXX got out of 401 k to pay doctor bill and survive. Now things have slowed down again and I trying to catch it before I get behind again.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with TRANSWORLD SYSTEMS INC (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Transworld Systems Inc., sent a collection notice of an overpayment from FL. XXXX, ( Unemployment ). # 1, they had wrong address, ( no Apt . # ) so I received this I do n't no how late. # 2, my main complaint, I called the number on the envelope ( XXXX ). I was finally told they did n't have my account number, which was on the letter in their system and call ( XXXX ) after 10 minutes, I was told to call ( XXXX ), after a couple of sales pitches, I was again told it was n't in the system, ( mind you, I am only trying to pay a debt! ), I finally got in touch with an associate, that found it, but ... ...., was told I had to call, you got it, ( XXXX! ). I tried this circle again, and after over an hour got nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2017 about Credit reporting () with BARCLAYS BANK DELAWARE (OK).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I disputed several inquiries both with the original company and the credit reporting agencies, none of the original companies responded to my letters. Two letters were sent 30 days apart and none responded. Credit Bureaus refusing to remove the listings.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I received an email stating that XXXX had an data breach of their consumers information. Also, the email stated that I need to contact the other credit bureau to dispute items off my credit report because of XXXX  data breach. Here is the following information about the inquiries on my credit report for Experian. 

1. XXXX XXXX XXXX XXXX/XXXX/XXXX 2. XXXX XXXX/XXXX/XXXX 3. XXXX XXXX XXXX/XXXX/XXXX 4. XXXX/XXXX XXXX/XXXX/XXXX 5.  XXXX XXXX/XXXX/XXXX 6. XXXX XXXX/XXXX/XXXX & XXXX/XXXX/XXXX 7. XXXX XXXX XXXX/XXXX/XXXX & XXXX/XXXX/XXXX Also, I have XXXX collections on my credit report for Experian : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$940.00}

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 03/24/2017 about Consumer Loan (Vehicle loan) with DriveTime (TX).
Issue: Taking out the loan or lease

Complaint: The company I bought my car from is Drive Time. This company is constanely saying that i am further and further behind and this evening they called my landlady about my bills, thats it I 'm done with them. I know that from your alerts, that this company is already under a 5 year watch and only 3 years into it. My contract with them says I am to make bi-weekly payments, but ever since the 2nd month of on time payments, they have been requesting more and more payments. I have had to break my payments down to weekly payments, just to get them off my back & they still call!?! They sometimes call from a company called XXXX, this company according to the BBB does not exsist & has not had any sign of activity since XX/XX/2013, please do something about 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 05/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with REGIONAL MANAGEMENT CORPORATION (SC).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Creditor violated the fair dept collection practice act ; by not allowing me to dispute this account or validating this account because I never received any notice of this dept.

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Credit card protection / Debt protection

Complaint: I have XXXX credit cards from Capial one bank. I requested to upgrade one of them from XXXX to XXXX. I revived XXXX cards. I contacted them and requested to keep the current card they said ok and everything good I can use my current card. When I login to my account I see the XXXX cards are XXXX. So I called back and they told me I have to activate the XXXX card and they ca n't give me the same offer again or make any change before 6 month. 
I refused the changes and they told me they are going to fix it. More than month passed since that happened and no changes happened.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2016 about Consumer Loan (Installment loan) with LENDING CLUB CORP (WA).
Issue: Managing the loan or lease

Complaint: the interest rate they charge me is so high and it 's impossible to lower it. I was told that after one year of making on time payments they would lower it but now after one year, they told me I do n't quality.

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with FIRST NATIONAL BANK OF OMAHA (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have XXXX ( XXXX ) inquiries on my credit file from this bank, dated XX/XX/XXXX & XX/XX/XXXX. I have not applied for credit with this bank, and have requested documentation on two occasions supporting their permissible purpose in accessing my files. I have received nothing but a brief letter stating that they had no documentation, as the applications were submitted on-line. My second request garnered no response at all. Pursuant to Section 604 of the Fair Credit Reporting Act ( FCRA ). [ 15 U.S.C. 1681b ], this access can only be obtained " In accordance with the  written instructions of the consumer to whom it relates. '' As they have no such written instructions, accordingly, these inquiries must be removed from my credit file immediately.

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 10-04-2016 about Debt collection (Credit card) with STONELEIGH RECOVERY ASSOCIATES, LLC (KS).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: On about a monthly or more frequent basis I am receiving calls for someone else 's debt. Based on information revealed on the first call I am aware that the debt belongs to a ex-step daughter whose first name is similar ( XXXX vs. XXXX XXXX ) The caller revealed they were collecting on her past due XXXX XXXX card. I have explained this to the collector on the phone and asked for my number to be deleted from their database. I have confirmed my DOB, SSN and legal name, which is clearly not a match to their debtor. I have been promised my phone number, name and other confidential information would be deleted but no action has been taken. Then when I again explained they were calling the wrong person and asked to speak with a manager, they hung up the phone. I continue to receive calls and now the " offer '' is to reduce the rate on my credit cards. I have no credit cards but the person they are trying to collect upon does. I block the number they use from the auto dialing system and then another number comes in several weeks later. When I have returned a call, almost always a non-native XXXX speaker is on the phone. I can not get them to stop calling me. ( Please bear in mind I have no debt in collection. I have several unpaid tax liens in noncollectable status at this time. The calls I am receiving are regarding credit card debt of which I have no cards and no balances owed.

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (CA).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 60 days past due as of   XXXX   2014,   XXXX    2014 30 days past due as of  XXXX  2014 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2016 about Debt collection (I do not know) with Convergent Resources, Inc. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I moved into my current home six years ago. Almost immediately I began receiving telephone calls attempting to collect a debt from XXXX XXXX. I explained to the caller that they had a wrong number. There was no XXXX XXXX at this phone number or address. These calls have continued for the the entire six years I have lived at this address. Explaining to the caller that they have the wrong number succeeds only in discontinuing the calls for a few weeks. Collectors refuse to tell me for whom they are collecting the debt or what the debt is for -- since I am not myself XXXX XXXX. However, without this information I can not write to the original debt collector and ask that the collection attempts cease. Since the calls never cease, callers clearly do not honor my request that they inform the original debt collector that they have the wrong phone number. 

Convergent Resources is only one of the groups who have continued these harassing calls, both under their current name, and as XXXX. I finally purchased a phone with call blocking -- for one reason and one reason only -- to block calls from Convergent Resources. I periodically check the call logs, and find that Convergent Resources continues to call ( and be blocked ) usually several times a week. This has continued for at least six months. I have a certain satisfaction at least in knowing that Convergent Resources is wasting their time continuing to make these calls, and that I no longer have to waste my time telling these incompetents that they have the wrong number.

Company response to consumer: Closed with explanation