milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/18/2016 about Credit card () with U.S. BANCORP (CA).
Issue: Billing disputes

Complaint: I have a Fidelity credit card which I paid automatically through XXXX home banking. Without my knowledge, the Fidelity was changed to Fidelity VISA with Elan ( I 'm guessing at the name ) Financial Services. I continued to pay Fidelity, which took my money. I never received any information from Fidelity or the new service about the change. 

I continued to check my account on Fidelity 's website. It showed my balance and that I had XXXX minimum due. 

Today, I received a call from Elan collection telling me I was 30 days past due and owed them {$670.00} in payments and fees. I told them I did n't know who they were and that I would not send them money or give information to unknown callers. 

I called Fidelity. The customer service representative said she would get her supervisor and, without warning, transferred me to Elan collection. I talked to a guy who only gave his name as " XXXX '' and would n't give me a last name. He told me they had hit my credit report and I had to pay. 

I explained that I never received any statement, information about this transfer, or anything to send them my payments, that I did n't know where they were coming up with such a large amount due, and that I had paid Fidelity. 

I then went on my XXXX XXXX XXXX homebanking to find records of my payments. XXXX XXXX XXXX, without informing me, had deleted Fidelity ( XXXX XXXX XXXX ) as a payee, along with all my payment history. I can find the payments on my statements, but no longer have a payee history record. 

I told this Elan company they would have to overnight to me all the documents they were required to give me, including statements, announcements, etc, before I could pay ; that I needed to find out what Fidelity did with my payments, and that I would be registering a complaint with the CFPB on how this was handled. 

If this has happened to me -- I 'm never late on my bills -- this is likely to have happened to many others during this transfer of companies. Even if it has n't, I do n't deserve late fees, collection, the hit to my credit report, or demands for a large cash payment by a company I 've never heard of.

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 05/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Jon Barry and Associates, Inc. (NC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I sent a letter to Paragon revenue group asking them to validate these  XXXX  medical bills of {$280.00} and  XXXX  that are not my debts. I have heard nothing back from them. It 's been 30 days. The  XXXX  for {$75.00} was opened on  XXXX   XXXX ,  XXXX . The other {$280.00} opened up on  XXXX ,  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-08-2017 about Debt collection (Credit card debt) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint: I was behind in my mortgage payments, so I borrowed {$6700.00} from my daughter and she deposited it in my Bank of America account. I made my mortgage payments, but unbeknownst to me, Bank of America had taken out {$1700.00} from my account, causing my mortgage payments to be returned. The seizure of {$1700.00} by Bank of America was for a credit card account, which had been inactive for a period of 9 years. The last payment I had made was in XXXX. It was a company debt, and our company had filed Bankruptcy in XXXX. I was unable to pay anything, because I was diagnosed with a XXXX XXXX XXXX and have been unable to work. My only income is {$570.00} from Social Security. I called Bank of America, and told them they could n't do this, and the customer service person very nastily told me that it could be collected because they had just written this off. I believe the statute of limitations is 4 years, which is a long time ago. No communications have been received at all for at least 8 years. I do not believe they can legally do this and I would like my {$1700.00} back. The credit card was in the business name, and the funds were taken out of my personal account. Now I am again behind in my mortgage payments, and have no way of paying it.

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 12/23/2016 about Credit reporting () with Innovis (NV).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: i did not allow this company to do a hard credit check

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2016 about Student loan (Non-federal student loan) with United Student Aid (USA) Funds (CT).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I have had a dispute with XXXX over this since 1994. I completed an " Application and Promissory Note '' for a Consolidation Loan from XXXX XXXX XXXX XXXX, because I was led to believe by a Collector that I might benefit from the program. When I received the Disclosure Statement, some five months later, it was clear that the higher interest rate and capitalization of the penalties was not to my benefit. Therefore, I did not accept the terms of this loan contract, nor sign any agreement, nor make any voluntary payments. Clearly, there was no " meeting of the minds between two parties '' as required by contract law. The loan subsequently defaulted and was guaranteed by USA Funds. It defaulted again and was then guaranteed by XXXX. Since then, XXXX has steadfastly refused to provide me with due process to resolve this issue. Their contract collectors have committed violations of the Fair Debt Collection Practices Act. Both XXXX and their contractors continue to assert that this is an enforceable contract even though I never agreed to any specific terms. The simple question is this- do student loan agreements fall outside of the accepted principals of contract law? Namely, that the terms must be clearly stated, that there must be offer and acceptance, and a " meeting of the minds '' must be demonstrated in order for any contract to be enforceable. Are student lenders immune from these basic principals, as XXXX asserts? Has XXXX deprived student borrowers of their basic rights under contract law, in order to protect lenders? I have attached the ambiguous " Application and Promissory Note '' which states no specific terms, nor does it clearly state the names of the parties entering in the agreement. I have also attached the " Repayment Addendum and Disclosure Statement '' which does state the terms, and which I never accepted. I had rehabilitated my student loan in 1994 when, while checking my options, XXXX XXXX XXXX XXXX voluntarily satisfied my debt without my permission. When I refused to accept their fraud, USA Funds then filed a fraudulent default claim with XXXX. XXXX has been harassing me since 1994. XXXX should be looking to recover the funds from XXXX and/or USA Funds. The simple question I have is this- are student loan banks immune from the basic principles of contract law? How do I get this XXXX?

Company response to consumer: Closed
Consumer complaint received 07-02-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (ID).
Issue: Account opening, closing, or management

Complaint: I applied for a the Citi Gold checking account using the code XXXX. This offer rewarded the user XXXX XXXX XXXX miles after spending {$1000.00} dollars and making XXXX bill pays. I confirmed via chat message that I was enrolled, that I had met the terms ( XXXX/XXXX/2016 ), and that I would be receiving the miles no later than XXXX/XXXX/2016. I have still not received the miles. I have called Citi 3 times in the last couple weeks and each time they tell me they have opened up an inquiry and I will be contacted in a couple days. I am yet to be contacted.

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 01/17/2018 about Debt collection (Other debt) with Convergent Resources, Inc. (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: XX/XX/XXXX XXXX XXXX responded to my complaint to your agency ref # XXXX they stated the account was closed and returned to XXXX and that they had instructed the credit bureaus to remove the account from my credit report. 
I just received updated reports today XX/XX/XXXX showing Convergent verified this account on XX/XX/XXXX after they stated it would be removed. they are now in violation of the FCRA as well as FDCPA

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 04/26/2015 about Debt collection (I do not know) with Southwest Credit Systems, L.P. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: Am receiving multiple phone calls from a collection agency looking for someone with my last name, but not my first, for a debt that is not mine. The person they are looking for has never been listed in my address, nor phone number.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 03-10-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Focus Holding Company (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Hello this is regard to XXXX and there attempts to collect on a debt that has been paid. We discontinued service with XXXX in XX/XX/2016. They could n't get our billing correct so we parted ways. We have sent back all XXXX receivers and they continue to bill us for a unknown large amount that we do not owe. 
We paid the XXXX $ that we setup in XX/XX/2016. They never applied the payment and said they had a problem with there system. It is now in collections and we need it removed. I am attaching XXXX pdf files. XXXX shows that the payment came out of our bank account on our bank statement out of our business account. The XXXX shows a confirmation email from XXXX showing that we did have the payment scheduled and what I say is true.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2016 about Credit reporting () with Experian Information Solutions Inc. (NE).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Previously disputed XXXX items with all XXXX BUREUS, XXXX bureaus removed the items under the FCRA sec 623 based on the accounts being unverifiable, incomplete or inaccurate. The results are to be shared with all reporting agencies if errors are found and account is deleted. Experian has not followed the laws that are in place to protect the consumer by removing these items. I hwve provided several letters with the results showing the deletin of these accounts. The continue to report inaccurate information that has been disputed and removed by the other XXXX major reporting agencies. They hwve not provided method of verification to substantiate their claim. These are clear violations of the FCRA and my rights 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 explanation
Consumer complaint received 06-06-2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (CA).
Issue: Trouble using your card
Sub-issue: Account sold or transferred to another company

Complaint: On XXXX XXXX, 2017, XXXX should down my AmexCard within minutes stating someone made a purchase at XXXX. I have not been able to get access to my account online or through the telephone. They have illegally charged me late fees and interested. I contacted Mr. XXXX XXXX and over ten ( 10 ) through faxes and he has never responded. To this date, I am unable to gain access to my account. They have intentionally ruined my credit. I did nothing wrong. I have a XXXX balance except for their illegal fees and late charges. They have ruined my credit reporting me late which is untrue as I am unable to even gain access to my account. They closed my account. I have never received any statements for the last three ( 3 ) months. Again, they have violated my rights. I can not even view my account online. I do not have any valid credit cards from them that are operative. Please investigate and fine them for their illegal behavior.

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 03-02-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I had been in the process of obtaining an income-based repayment option from Navient, the company which services my student loans. In early XXXX, In order to allow me time to complete the necessary forms, Navient put my loans in forbearance until XXXX XXXX. However, as of Monday, XXXX XXXX, I was informed that my loan repayment date was moved up to XXXX XXXX. I called Navient on XXXX XXXX and explained that my financial situation did not permit me to begin repaying my loans within three weeks. I requested that the original date of XXXX XXXX be reinstated. They refused, stating that I had no time left for forbearance. This simply does n't add up as XXXX XXXX was originally the end date of my forbearance. I believe that Navient deliberately misled and even lied to me. They indicated that had I waited later to submit the income-driven repayment paperwork, I would have been able to begin repaying my loan on XXXX XXXX as originally agreed. Clearly Navient is incapable of keeping their word as to when repayment should commence. Had I known that I would be given such shoddy treatment, I would have delayed submitting my paperwork until the last minute. XXXX XXXX was always an option. Changing my repayment start date is capricious and arbitrary. I 've NEVER seen this occur with a credit card, bank loan, or any other installment plan. This feels borderline criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2016 about Debt collection (I do not know) with Stenger & Stenger, P.C (IN).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Stenger & Stenger have contacted me in regards to a debt without supplying my signature that I owe this debt or validating this debt. I would like to seea ny original documents with my signature in regards to this matter. I have disputed this with the credit bureau and this claim of debt owed was removed from my credit. I have now received a civil wage garnishment on a debt from 2009 and again have not been supplied with any information that this is valid. They are now using threatening tactics. This is not a fair practice to me. They are now contacting my place of employment and other contacts that I have not given permission to do so. CASE # XXXX with XXXX County Indiana has been closed and they are still threatening action. They are trying to threaten on an invalid debt past the statutes of limitation.

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2016 about Mortgage (VA mortgage) with M&T BANK CORPORATION (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I am under the impression from my mortgage that someone attempted to purchase my home fraudulently or barrier home ( s ) attached to my probate within this mortgage XXXX XXXX XXXX. I have a mortgage so these people ( actors ) can not steal my home and mortgage ( probate ) as they did in Delaware using fraud. The XXXX law firm was involved in these fraudulent practices in Delaware. My probate is from XXXX probate presented XXXX overseas never received alerted of it just recently and asked for a copy from the city. I was a minor in the XXXX XXXX and was XXXX. My ex husband died in XXXX and I never authorized XXXX XXXX XXXX or his XXXX any authority or amendments to the probate. I do not have any XXXX and I am the sole probate holder born XXXX XXXX XXXX no I am not affiliated with any actors. Actually was married in XXXX and my name became XXXX XXXX. I was defrauded of my finances in XXXX by a XXXX of XXXX XXXX tricking me into a divorce. They supplied me with none of my finances and XXXX law firm fraudulently took the home and barrier home ( XXXX ) and properties as well in Delaware. My original mortgage is from XXXX Bank XXXX XXXX, XXXX. This account mortgage was sold to XXXX XXXX XXXX where it stayed for years being juggled through different accounts within XXXX XXXX XXXX. In XXXX XXXX, XXXX I set up for my current mortgage that it was sold to M & T Bank. I believe the fraud is in each time my mortgage was sold these actors fraudulently set-up mortgages on their homes to buy them ( their homes ) and to receive government funds that I never allocated to these premises. Due to the nature of these claims I need the XXXX XXXX XXXX XXXX XXXX for XXXX XXXX staff to be notified and request that this individual has no affiliations with the acting community or the XXXX law firm.

Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. ().
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have submitted this case before. This is what TransUnion responded : Trans Union said : Explanation of closure The Fair Credit Reporting Act allows chapter XXXX bankruptcies to be reported for 10 years from the date of filing. Under the guidelines of the Fair Credit Reporting Act, we will not reinvestigate the item unless you can provide new information such as court papers that explains what information should be updated. You may add a Consumer Statement of XXXX words or less to your credit report or contact the court directly. Contact information for each creditor is provided on your credit report for review. If you have any further questions, please call us at XXXX, Monday-Friday, XXXX - XXXX ET. Please visit XXXX for frequently asked questions about your credit report. 

Response We have reviewed your complaint along with the information you previously provided regarding this issue. On XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX and XXXX XXXX, XXXX California Federal Court was notified of your disputes. In response to the investigations, the disputed information was verified or updated accordingly and the results were forwarded to you for review. Currently, California Federal Court chapter XXXX bankruptcy # XXXX reflects a dated filed of XXXX XXXX, XXXX and an estimated date of deletion of XXXX XXXX. TransUnion reviews and considers all relevant information you provide, and we either will make changes to our report based on the information you provide, or we will investigate your dispute by contacting the source of the information. For public record information, TransUnion or a third-party we hire will check the applicable local, state and federal court records to verify the accuracy and/or completeness of the information reported. Once the verification responses are received, they are reviewed and the disputed information is updated accordingly. Changes made to your credit report are reflected on the investigation results that are sent to you at the conclusion of our investigation. If you have any questions regarding the results of the investigation, please contact the court directly. Please also note that the documentation submitted from XXXX does not address your dispute and can not be used to update your TransUnion credit report. 

I went to the Bankruptcy Court On Line Site, " Pacer '', and entered all the details several times under my Social and It Came up as, " No Records Found '', so in fact it does not exist in any court records. As I stated before they refuse to verify this listing as it has been taken down and was listed in error. Please see the attached document that is from the XXXX, Online Court Site.

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 10-09-2015 about Consumer Loan (Installment loan) with 2288984 Ontario Inc. (KS).
Issue: Managing the loan or lease

Complaint: Hello, My name is XXXX and here is what happened. While searching for an installment loan online, I was able to find this loan matching service. I applied and was pre-approved for a line of credit from Money-Key. Once I called them and agreed to the terms, I was approved and recieved the money on XXXX/XXXX/2015 according to my bank statement. As we agreed, they started the payback process on XXXX/XXXX/15. The first transaction was XXXX. The next was taken out on XXXX/XXXX/15 in the amount of XXXX. It would withdraw money every two weeks. I noticed that on XXXX/XXXX/15 the name on my statement changed from MoneyKey to MKey-virginia. And I checked my moneykey account on XXXX/XXXX/15, and they still show that I owe XXXX and were planning on withdrawing from my account on the XXXX. I have added up the total amount they withdrew since XXXX/XXXX/15 and the total amount was XXXX. That is well enough to cover the XXXX. I called and asked about my loan, and they said that I have not paid off my balance at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 12/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: My name is XXXX XXXX XXXX and my address is XXXX A XXXX XXXX XXXX, Md XXXX all of the other names and address are wrong and incorrect that appear in my credit reports are wrong.

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