milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-12-2016 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was recently garnished on my wage and I have no idea why. I received a letter in the mail from my employer about the garnishment and on the paper it had a case number and a company that issued the garnishment. When I called the company about it, they tried to look me up in the computer and they said they could not find any accounts for me and that they have no idea why I am being garnished. I contacted the company that handles my paycheck, and they told me to call the court house that agreed to issue the garnishment. When I called them, I got transferred to the Small Claims Department at the XXXX Court XXXX XXXX XXXX, and the woman I spoke to looked up the case number that I had and she said it had my name on it, but that was all the information she could give me. The other person that I was told to call by my payroll company, was the lawyers office that apparently handled " my case '' and I have been calling and calling and nobody answers the phone. I know that I do n't owe anyone money, and I have never had anything in collections and I have no derogatory marks on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Hello. I never make any changes about my address. I live in XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX. They been confused about my daughter information because she move at XXXX XXXX XXXX and she make mistake at the pistal office to request my mail to her address because she didnt mark individual. I have to clarifing in banks and also calls the credit cards to send me the bills to my address. I m so sorry for the inconvenience. Thanks so much

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 02/23/2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I do not own this debt to this company however it is on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Debt collection (Medical debt) with Transcontinental Credit & Collection Corp (CT).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I received a bill from XXXX XXXX dated XX/XX/XXXX, I spoke with XXXX XXXX on XX/XX/XXXX trying to resolve this matter, he offered a settlement in the amount of {$380.00} from the original balance of {$480.00}, I advised XXXX XXXX from XXXX XXXX that I was in contact with XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX XXXX who should have received my application regarding this bill back in XXXX, I went to XXXX XXXX hospital directly today and drop off my application regarding this account for their financial assistance and XXXX XXXX still insisted me paying the {$380.00} discount price and he ignored the fact that XXXX accepted my financial assistance application and threaten to keep my account in collections instead of reaching out to XXXX to verify the information regarding my account. XXXX XXXX would have not taking my applications if they were not will to work with me regarding this. XXXX XXXX was so insisted on me paying {$380.00} instead of contacting XXXX XXXX. XXXX XXXX billing department put a note on my account stating I dropped off all the necessary paperwork regarding my account so the can see if I qualify for assistance, if not I will make payment arrangements with XXXX where the bill is from

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2018 about Mortgage (Conventional home mortgage) with Specialized Loan Servicing LLC (NY).
Issue: Trouble during payment process

Complaint: Specialized Loan Servicing has attempted to foreclose on the proprietary lease and shares in a XXXX XXXX XXXX without a valid and enforceable security interest, and collect a discharged debt in violation of the discharge injunction in place in the XXXX XXXX of New York Bankruptcy Court case XXXX. XXXX XXXX XXXX has sold a debt and mortgage while subject to Loss Mitigation proceeding in the above mentioned case to avoid the implications of the pending Objection to XXXX 's MOTION FOR RELIEF, requesting sanctions and outlining XXXX 's violations of law.

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 08/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have a a unverified account from CONVERGENT OUTSOURCING XXXX {$890.00}. I had previously disputed this account. I have never done business with CONVERGENT OUTSOURCING. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that CONVERGENT OUTSOURCING Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CONVERGENT OUTSOURCING Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2017 about Debt collection (I do not know) with Hunter Warfield, Inc. (MN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I used to live a apartment called " XXXX '' in XXXX from XXXX to XXXX and when my least ended in same year XXXX I did n't renew the least and I gave the manager two months notice ahead. And told her I 'm leaving some of belongs in the apartment so you can donate to any charity you like and she agree to it. Also the manager she made me to not ask her the deposit money back. I said why? And she said I 'm going to clean towards the apartment. And I said fine, so then I left.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (IL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I filed a complaint about Citi bank credit card, complaint XXXX, it was close by Citibank without me ( the consumer to explain his side of the story. I received two letter from Citibank XXXX XXXX ( Executive Response unit ) XXXX I have been calling once a week for over two months with no return call. Telling again that Big Banks run the world and the consumer are just victims As a Veteran and Senior I am very sorry I fought for the United States to be free and have freedom

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 02-04-2018 about Debt collection (Credit card debt) with Fein, Such, Kahn & Shepard, P.C. (NJ).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: Passed statue of limitation New Jersey Passed Credit Card Dept. 
Was Charged Off in 2010 Total Amount {$7100.00} Due to Devoice Proceedings

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2017 about Mortgage (Conventional home mortgage) with LoanCare, LLC (CA).
Issue: Trouble during payment process

Complaint: To Whom It May Concern, Recently I tried making my monthly online mortgage payment online w/ LoanCare a XXXX XXXX . I paid my current mortgage within the grace period on XXXX/XXXX/XXXX. As a result of me paying online, I incurred a {$10.00} servicing fee. I read about this fee from my previous statement in XXXX. Therefore, in order to not incur this fee, I set-up automatic payments effective immediately. For whatever reason, my auto payment was not set-up until XXXX/XXXX/XXXX. I tried calling customer service, stating that I set-up auto-pay more than 30 days in advance of my next statement. The rep XXXX saw that I set up the auto pay on XXXX/XXXX/XXXX, but said that there was nothing she could do. I in fact spoke to her Supervisor XXXX who told me the same thing. Hence no refund for the service fee, even though I had setup the free autopay feature, yet was unable to utilize this option incurring the {$10.00} fee. The following 2 items are my specific grievances : 1. Why are they even charging a fee to pay online? I have had several mortgages, and have never heard of such a fee. Also, my closing documents say that I have a 15 day grace period. 

2. Once I saw that they were going to charge a fee, i immediately set-up for auto payments ( no fee ). So why is it my fault that I should have to pay a fee, if they take longer than 30 days to setup the payment. 

Thank you for your help, 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 03/19/2015 about Debt collection (I do not know) with Platinum Holdings Group, LLC (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have been receiving repeated calls from a private number at work. When I answered the individual informed me they were from World Wide Assets and this was an attempt to collect a debt. I then informed him that I was at work and could n't receive personal calls at my work number and asked that all calls stop and I hung up. He then called right back and I reiterate that I could n't have personal calls at work and hung up again.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2017 about Credit card () with CITIBANK, N.A. (IL).
Issue: Billing disputes

Complaint: CITI Thank you prefer card company made a mistake in my mailing address by forgetting put my unit number in my billing address. So I did not receive my statements. When I found out the pending balance when I checked my credit report and contacted the collection companr and they forwarded those statements. When I contacted CITI, they refused to take off the interest charge and fees. This late payment mistake was caused by CITI and they should not charge me any interest and fees. Now my credit is effected by this. So I have to stuck with the high interest rate for my other credit cards balance with this company. I file this complain to request CITI waives any late interest and fees on the CITI Thank you prefer Card and fix this late payment record in my credit and resume my good credit.

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 12-05-2015 about Credit reporting () with CORELOGIC INC (IL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: MY NAME IS XXXX XXXX MY ADDRESS IS XXXX XXXX XXXX XXXX XXXX, IL.XXXX. I AM WRITING TO FILE A COMPLAINT ABOUT A COMPANY CALL CORELOGIC / CREDCO. TO FIND OUT WHY CREDCO HAS MY SOCIAL SECURITY NUMBER AND HOW DID CREDCO GET MY SOCIAL SECURITY.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have submitted bk information to Equifax several times proving that this debt has been dismissed and should not be reported as an open/ongoing collection account as they are doing, they have refused to change this in my credit report, XXXX & XXXX have removed this account and show no collections in my reports, only Equifax has not done so. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2017 about Credit card () with SYNCHRONY FINANCIAL (NC).
Issue: Billing disputes

Complaint: On   XXXX   XXXX   XXXX     I made a payment to Synchrony Bank on  my HH Gregg credi t card for  XXXX . This was to include my   XXXX   payment, late fee and payment for   XXXX  . On   XXXX   XXXX  , it was explained to me that my  XXXX  payment was now late because I paid it too early in  XXXX  ; I was told I should have waited until after the  XXXX  to make this payment. Now I am being charged a late fee for   XXXX  . As a consumer I have never been given an explanation as to how early I can make a payment for the next month. Now I have to pay a late fee on a payment I thought was already made. I do not feel this is fair to me as a consumer.

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 04/19/2017 about Consumer Loan (Personal line of credit) with Byrider Franchising, LLC (IL).
Issue: Account terms and changes

Complaint: CNAC car creditor keeps updating status on my credit report that should have been removed when the original date was  XXXX  of   XXXX   and  XXXX  wo n't remove it. Its showing up as a paid charge off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2016 about Credit card () with UNITED SERVICES AUTOMOBILE ASSOCIATION (MD).
Issue: Unsolicited issuance of credit card

Complaint: USAA recently elected to unilaterally change their credit card service provider from XXXX to XXXX claiming the user base would see no difference in terms. As husband and wife, we have had for some time XXXX card number and account with joint authorized use and yet individual names on the cards. Now USAA, without approval or authorization from the card user, is reissuing separate cards with separate numbers for each card user while claiming the cards ' multiple card numbers are changed but it is all within the same account. No effort was made to acquire or request agreement or authorization from the member or spouse prior to issuing the new card and specifically now XXXX with separate, individual numbers. We believe this constitutes issuing a new credit card without the user 's approval or agreement. Upon calling and speaking with Sr. account representatives, USAA has told us we have no other choice but for individual cards to have separate numbers if we want both parties to have authorized card account use. They also admitted it is, at least in part, using separate numbers to enable the tracking of credit card spending and subsequent marketing use information. This supposedly is all for the user 's protection. It is worth noting that the billing documents already reflect separate card numbers and XXXX charges while the XXXX cards have as yet not even been activated. This makes it impossible to track and confirm our own expenditures and card use without having to call USAA and ask questions specific to the charges. We believe the individual card numbers being issued absent user agreement or approval is at least unethical and perhaps illegal. We also feel it is a deliberate marketing ploy to enable XXXX, USAA or whomever to use this as an opportunity to wantonly solicit the unique cardholder against our interests or wishes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I am a victim of identity theft. Someone stole my personal identification information and opened fraudulent accounts. They are : XXXX XXXX XXXX XXXX and XXXX XXXX. I filed a police report with XXXX Police Department ( police report no : XXXX ) and sent that document to XXXX, XXXX, and Equifax asking to block and removed these fraudulent accounts. XXXX and XXXX blocked the fraudulent accounts, but Equifax refuse to block fraudulent account. I called to Equifax fraud department many times and no one could help me to resolve this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2016 about Bank account or service (Checking account) with NAVY FEDERAL CREDIT UNION (NC).
Issue: Account opening, closing, or management

Complaint: My experiences with Navy Federal have been poor the last month. I 'm a XXXX XXXX member, so there has never been any question of my qualification to join. Sent proper paperwork to membership. Received welcome e-mail and applied for credit card, checking plus savings, and checking line of credit same day. Until a month again my account got hatch, I lost my credit card and someone withdrawn money out of my account. Navy blocked my account and they also never notified me on this action. They refuse to let me talk to a manager for about 4 months. Now one wanted to help me and they even told me i had to pay it back and make me over draft over {$6400.00} by someone who had gotten my checking account and savings account information number. I asked NFCU to investigate but they told me " it just was n't worth it ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I ca n't get either a credit score or report. I 'm afraid I might have gotten identity theft.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/27/2016 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX XXXX XXXX pulled my credit without my knowledge

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 05-12-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OK).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I completed the deferment forms and submitted within the deadline and a few months ago, I received an email stating my loans are past due. Called customer service ( on lunch break did n't write down the name or date : / ) but the call was recorded. The rep told me to disregard saying my loans were n't due until    XXXX   XXXX   XXXX   I keep receiving the same past due emails, which is now affecting my credit report and score and I was trying to buy a house but due to this incorrect information, I had to stop perusing a home loan. I emailed the rep this time and they said that indeed, it 's past due and I said that 's not correct and to please review the notes. I have n't received anything in the mail or nothing other than these emails. The rep later said they have n't talked to me since   XXXX  !! How can that be when I have to submit paperwork and ask for a hardship deferment every 6 months!! They are sticking to their " notes '' and that 's not working for me.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: i have so many credit inquiries on my reports that i do n't even know these companies. plus i have a collection account from XXXX that is banned from fdca. i have called all XXXX credit reporting agencies and got no where. sometimes ever very rude. i hope you can help

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX XXXX XXXX is reporting collection account for {$11000.00} past due as of XXXX XXXX. I disputed with reporting agencys this is not my account. I was not in Country during this time. They are reporting joint with XXXX XXXX. I have filed disputes requesting documentation this is my account, I have not received. I have sent documentation showing such. Reporting agencys continue to mark as remain.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 about Debt collection (Medical debt) with HCFS Health Care Financial Services, Inc. (OH).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have collections account reported by ARS Account Resolution. The original creditor for all of these are   XXXX   XXXX   XXXX   XXXX  . I have not obtained validity of any debt or any communication from the original creditor. I have had insurance during this period. I have tried calling the original creditor and have not been able to get in touch with someone that can assist me. I do not know who this company is and what services I am being asked to pay for. This has been on my credit report for some time now and I was not aware of this organization.  <P/> Date of Delinquency : XX/XX/XXXX  ; Date Assigned :  XX/XX/XXXX  ; Amount : {$610.00} Date of Delinquency :  XX/XX/XXXX  ; Date Assigned :  XX/XX/XXXX  ; Amount : {$910.00} Date of Delinquency :  XX/XX/XXXX  ; Date Assigned :  XX/XX/XXXX  ; Amount : {$1000.00} Date of Delinquency :  XX/XX/XXXX  ; Date Assigned :  XX/XX/XXXX  ; Amount : {$610.00} Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation