milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-02-2015 about Debt collection (I do not know) with First Data Corporation (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company calls me continuously, but more problematically : they make you fill out an inquiry form with your bank account and social security number when you call them back before they will even disclose whether or not they are calling for you! I refused, because the debt they have been continuously calling me about is not even mine, but belonged to the person who had my phone number previously. They call on weekend mornings, and while I 'm at work. I just think its sketchy that they would ask for such private info.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2017 about Debt collection (Payday loan) with CHECK INTO CASH INC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX is reporting a collection on my credit reports for a " Check into Cash '' payday loan claiming it was opened XX/XX/XXXX. for the amount of {$210.00}. I have not had a payday loan since XX/XX/XXXX and it was paid. They have refused to VERIFY the debt. Or this is so very beyond the statute of limitations in Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 03-12-2016 about Student loan (Non-federal student loan) with SLM CORPORATION (VA).
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint: I have talked with the company and still feel like I am being discriminated against. It is my understanding that a cosigner is provided to make sure a loan is paid back. My cosigner has half the requested loan amount in a savings account and around 300 acres of land and last time I looked, XXXX acres was going for XXXX dollars in that area, more than enough to pay the loan if needed. I have explained that there are errors on my credit report that I am in the process of fixing and I sent them XXXX test results showing that XXXX and having to take the entire year of 2015 to learn to walk and wright. All I want is a chance to go to school, I want to do it on my own and I have made sure I had a cosigner who can pay the loan back with no problem. According to my research, it is against the law to discriminate based on illness or XXXX as long as the money can be repaid and I am being discriminated against for being ill no mater what some representative says.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2018 about Debt collection (Private student loan debt) with U.S. Collections West, Inc. (AZ).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: US West Collections did a hard inquiry on my credit without consent. Illegal ... .. 
Identity fraud. This agency refuses to communicate in regards to my complaint. 


US West Collections XXXX. XXXX XXXX XXXX, AZ XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
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: on XX/XX/2017 I sent XXXX, transunion, XXXX proof of XXXX XXXX not holding and active license which make them unable to collect or to reflect any information on my credit report. I provided XXXX, transunion, XXXX with the website and photo and it still has n't been removed. I went ahead an attached this to avoid from them saying they did n't see 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 explanation
Consumer complaint received 11/26/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with UNITED SERVICES AUTOMOBILE ASSOCIATION (PA).
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: XXXX XXXX XXXX has n't answered my certified by mail and notarized by my attorney about SECTION 609 and 625 of FRCA? They will not show me what was bought or where cash advances were made because I was in a XXXX XXXX XXXX in Another State that would n't let us of campus for the time they aid I used card. It hs ben charged of and used of there taxes bt wont do this legally by sending me the information I asked for 30 days ago. The FRCA says if I did these steps and ca n't proven writing I signed up for card or where and when and how I mused it into 30 AYS UNDER SECTION 609 AND 625 THEY HV TO REMOVE IT FROM CREDIT REPRORTS. I have AL INFPORMTION O0 REGRATOION OF MILSENT AND NPRTERIZED LETERS BUT THEY STIL WONT Release me from this on credit report. They are breaking the law and it has ben 30 days and starting on 60 days of legal FCRA issues XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA 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 10-09-2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (PR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: A Company named XXXX and XXXX XXXX XXXX XXXX sent me [ XXXX/XXXX/2015 date I received the letter XXXX to collect a debt for XXXX XXXX Bank -Midland Funding for the amount of XXXX. Following that the same date I proceed to dispute the whole debt i did'nt recognize because does not belong to me and also started a dispute with all credit agencies, because my personal information have been compromised by the information gap that affect the federal agency XXXX protection regarding all its employees, contractors, retired personnel and candidates for employment and they inform me in writing. I 'm on identity theft and credit monitoring protection program paid by the agency as I said on my letter. After thaht a few weeks later they sent a letter without any date asking for all my personal and sensitive information to allegadelly taking care of my claim of suspected identity theft and started a claim for me. Obviously I did n't gave them my information for my own protection. I proceed to sent them a 2nd letter dated XXXX XXXX 2015 to sent me written verfication of the debt with all the information they have and caliming them that I have asked for this information because I have some questions. I need more information to make an informed decision about your claim, In order to make sure that I am not put at any disadvantage, in the meantime please treat this debt as being in dispute, record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau XXXX or have already done so ), also report that the debt is disputed. I used a sample letter from the CFPB website to set my rigths under the FDCPA saying them " Tell me more about this debt. '' They never annswer my letter and sent me any of the information I requested. I called twice and put me on hold and then they hang up. Yesterday I received court papers because they sue me on a district court here in Puerto Rico and I have to appear in court on XXXX XXXX 2015, also on the court papers they put me as married person and I 've never been married. Now Im starting to filed a fraud alert on my credit report because of this situation and already filed a case with a company named All Clear ID that monitored my credit and intents of identity theft to protect myself and information and investigate thanks to this program I discover thaht this debt is a credit card because they did n't gave that information either

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2016 about Credit card () with FIFTH THIRD FINANCIAL CORPORATION (OH).
Issue: Billing statement

Complaint: I responded to an offer made by my bank, Fifth Third Bank, to give me a limited time, interest-free credit card if I transferred my balance from another credit card company to theirs. I accepted the offer and transferred an existing balance from another credit card company. I did not received a bill from Fifth Third Bank for 2 months until I received a bill for 2 overdue payments and penalties. I finally sorted out this problem and got the penalties removed although the bank said that they had sent me the bills which I am absolutely certain I never received. 

The main source of my complaint against Fifth Third is that I have received a bill since I spoke to the bank which did not have any information for a 3 year payoff. I called the bank and could not get past an uncooperative customer service agent. I requested the amount I would owe if I chose the 3 year option, and the agent said that she knew of no such option and that she did not have the ability to calculate the lower payoff amount. I told her that the law required Fifth Third credit card bills to list the 3 year payoff option, and she denied that this was true. After a lengthy session of wait times and her reporting that her supervisor had said that they knew nothing of this option, I gave up. I have since received another bill without the 3 year option listed. I researched the 2009 Credit Card Act and found that banks ARE required to disclose this amount on their bills. I am willing to send copies of the XXXX bills in question but lack a scanner to process them. I hope that Fifth Third Bank is fined the maximum amount allowable for violations under the Credit Card Act.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: This complaint is in regards to my balance is showing different on all 3 credit bureaus and showing missed payments for different months. I am on auto payment with XXXX XXXX how can I have a missed payment. 

XXXX XXXX need to update my balance to update all 3 credit bureaus correctly and remove the missed/ late payments. A payment can not be late if I set it up on their website and it is automatically drafted.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2017 about Debt collection (Other debt) with TIDEWATER FINANCE COMPANY, INC. (TN).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have two collections accounts that appear to be the same account on my credit reporting file from a collection agency named Tidewater Finance Company. The account numbers are as follows : XXXX. XXXX XXXX. XXXX I am disputing these collections due to the fact that Tidewater Finance Company XXXX XXXX XXXX XXXX , XXXX XXXX , VA XXXX does not currently have a valid license in Tennessee to collect on debts. I am requesting that you investigate this matter and delete these accounts from my credit files immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2015 about Debt collection (Medical) with Mid-America Accounts Control Bureau, Inc. (MO).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I have asked for but have not received any sort of statement showing what I owe and to whom. I have also asked that they not call me at work but yet they continue to do so. I even provided them with my cell phone number instead. 

I have offered to submit money to this account on a monthly basis once I receive documentation of the outstanding bill. They refused to accept any sort of payment unless it was {$250.00} or more a month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Credit card () with CITIBANK, N.A. (CA).
Issue: Late fee

Complaint: Citi stopped sending statements in XXXX 2016. The representative told me they were trying to fix an issue where some people were getting duplicate emails but they accidentally shut off all email statement notifications. I received neither paper nor email statements from XXXX 2016 until I realized now that I have been accumulating late fees and interest. They are refusing to waive the late fees and interest ( have made two attempts so far ), despite admitting it was their mistake. 9 year customer/ never missed a payment or carried balance before this.

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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CO).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax was hacked and lost personal data, including the names, addresses, and Social Security numbers of about 143 million U.S. customers. Using their provided service at http : //www.equifaxsecurity2017.com/, I checked if I was affected and was informed that I was.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: The Student Loan Listed as : XXXX XXXX Date Open XX/XX/XXXX is reporting 60 and 90 days late in the months of XX/XX/XXXX and XX/XX/XXXX which is incorrect I never made a payment during this time because I did not have to as I was still in school I had started attending XXXX School at XXXX University and would not have been able to secure Financial Aid during this time had that been defaulted. I have requested between all three credit agencies Experian, XXXX, and XXXX to delete just this one closed : Paid in Full status account and I have been ignored multiple times it is reporting inaccurately and effecting my Credit Report and ability to secure funding for anything additionally if I needed to.

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 02/15/2018 about Debt collection (Private student loan debt) with Forster & Garbus LLP (NY).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: I took out a loan from XXXX XXXX XXXX in XX/XX/XXXX and graduated in XX/XX/XXXX. A few years later the debt was sold to Forster and Garbus LLP for being in default. After they threatened to sue me and garnish my wages we came to an agreement and I have been paying {$170.00} per month for about 2 years now every month ON TIME. It is now XX/XX/XXXX and I have not received a XXXX form for the interest that I am owed. The law firm says I must contact XXXX XXXX for this but I have tried several times and left messages and no one has responded. I immediately request a XX/XX/XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (KS).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: cra violation information is inaccurate no knowledge of accounts sent to credit bureaus

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 09/24/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
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: Over the summer, I had two packages of " beauty serum '' mailed to my house using a name very similar to mine. The envelopes had no return address and the packing slip had only a phone number that no one answered. They also began charging my credit card {$89.00}, XXXX, and then XXXX. I disputed the charges. My credit card disagreed and said not only was I liable for the charges, they would not stop these fraudulent charges on my account unless I closed the account. My credit card company also informed that they could not tell me any information on the company charging my card. Eventually, my credit card company sent me the address of the fraudulent company, and I returned all of the merchandise to them via certified mail. I then asked my credit card company for a refund, and they told me I am liable for all charges because I did not return the merchandise in a timely matter. I had to close this credit card to prevent any more charges, hence closing an account I had open for over 17 years.

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 04/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have tried to resolve this with Transunion on numerous occasions through their own dispute process. I only received " canned '' responses that an inquiry is a factual record of of a company pulling my credit.This is to notify you that I contacted the following inquiry creditors and they responded that the inquires SHOULD BE REMOVED. XXXX XXXX has even stated they have submitted disputes to Transunion on two separate occasions. I have attached the letters as proof. If these UNAUTHORIZED inquires are not removed immediately my next step will be filing suit for monetary damages. Transunion is in direct violation of the FCRA. Remove inquires : XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX  XX/XX/XXXX IMMEDIATELY. Do not tell me it will take 30-60 days because I know it does not take that long. I expect it done upon receipt of this complaint. If you respond that they are a " factual record '' I will file suit immediately. I have already contacted a consumer protection lawyer.

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 03-09-2016 about Credit card () with SYNCHRONY FINANCIAL (IN).
Issue: Late fee

Complaint: Synchrony Bank ( working for XXXX ) is not giving appropriate time to receive my billing statements & for me to return payment before they are charging {$40.00} late fees. Synchrony Bank customer service & their supervisor say that they are only required to mail my bill 20 days before the due date, but it is taking 10 days for me to receive the statement. Then, I mail the statement back with payment with 2 days of receiving it ( which is not always feasible if I am traveling or it falls on a weekend ), and then they are taking up to 10 DAYS TO PROCESS THE PAYMENT!! They seem to deliberately be delaying the process, and then THERE IS NO GRACE PERIOD AT ALL before they charge a {$40.00} late fee on a {$200.00} payment/installment. They have charged me {$120.00} in fees in the last year and a half, and I have made every attempt to send my statement back within a couple days of receiving the bill. Customer service was no help at all and said they are n't even required to send me a statement?? I think they are intentionally dragging their feet on processing payments to charge huge late fees!!

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 08/18/2015 about Credit card () with JPMORGAN CHASE & CO. (HI).
Issue: Transaction issue

Complaint: My accountant and I just completed an audit of my XXXX Chase XXXX Mileage Plus Visa cards for 2014 and found a duplicate XXXX XXXX ( XXXX ) charge that occurred on XX/XX/XXXX that posted to the account on XX/XX/XXXX. The error cost us {$1900.00}. We were dismayed when we found it and do n't understand why Chase does not pay closer attention to it customer 's statements before billing us with grave mistakes from their vendor branded cards!?

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2015 about Mortgage (Other mortgage) with Ditech Financial LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage with GreenTree Servicing LLC was {$620.00} for a year when it was modified and transferred from XXXX XXXX XXXX. XXXX XXXX, XXXX, I received an Escrow Account Disclosure Statement stating my mortgage will increase to {$680.00} for the following year. Then I received another Escrow Account Disclosure Statement XX/XX/XXXX stating my mortgage will increase to {$830.00} for the new year. The explanation I was given for these increases were there was a delinquency or deficiency escrow balance of {$6000.00} or more from my previous servicer- XXXX. I therefore requested, in writing on XX/XX/XXXX, that Greetree Servicing provide me with evidence of this delinquency or deficiency escrow balance from my previous servicer- XXXX. I have received several form letters from Greetree Servicing saying they are working on it with delivery dates of resolution that have not been kept. This will be my XXXX month paying the {$830.00} mortgage payment with no evidence to support the delinquency or deficiency escrow balance from my previous servicer- XXXX. 
Furthermore, my mortgage is HAMP loan and I have been with Greetree Servicing for a year. According to my HAMP loan agreement I am supposed to receive an incentive payment of {$1000.00} to my principle balance once a year after the anniversary date. I wrote a letter on asking for a written explanation of why I have not receive this incentive payment according to the Actuarial Payment History Greetree Servicing sent me on XX/XX/XXXX. I made my inquiry in writing on XX/XX/XXXX. I have not received an answer for either of these concerns as of yet.

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2017 about Mortgage (Conventional fixed mortgage) with LoanCare, LLC (UT).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage company will not take PMI ( private mortgage insurance ) off of my loan after I have met all the requirements.

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