milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-10-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Hi, this is the second complaint I have filed with the CFPB on an old XXXX XXXX cell phone bill from around XX/XX/XXXX-XX/XX/XXXX. If I am not mistaken this was placed on my credit reports and then after seven years it was removed. 

For some reason, all of a sudden, I am getting debt collection letters now from a " second '' company requesting I pay this very old bill. 

I have already had this charged off and placed on my credit report and it was on there from around XX/XX/XXXX - XX/XX/XXXX. I do not owe this money because it was already put on my credit report one time and was already on there for seven years until it fell off my credit reports. 

I do not know why after nearly 15 years I am getting collection letters from debt collection companies on this account. 

My concern is that this charge is going to be placed on my credit reports " again '' for another seven years! 

Please help me with this. You have already helped me with the first collection agency who was trying to collect on this old debt, but now " another '' company is sending me letters. 

I have called XXXX XXXX to confirm this charge and since the account is so old they have no record of this bill, but yet I am getting debt collection letters now from a second debt collection company. 

I had already filed a complaint with CFPB regarding the debt collection company named : XXXX XXXX XXXX. There phone number is XXXX. That account number is XXXX. I thought CFPB had resolved my complaint with the XXXX debt collection company ( e.g. XXXX XXXX XXXX ), but now I am getting a 2nd letter from a XXXX debt collection company ( e.g. Convergent ) regarding this same very old cell phone bill that XXXX XXXX can not confirm whether or not I paid the bill or not because the account has been purged.

Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2015 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (SC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The number XXXX is owned by J C Penney. The call more than XXXX times a day. XXXX/XXXX/15 @ XXXX. XXXX/XXXX/15 @ XXXX, XXXX XXXX, XXXX, XXXX,. XXXX/XXXX/15 @ XXXX, XXXX, XXXX XXXX. XXXX/XXXX/15 @ XXXX, XXXX, XXXX, XXXX, XXXX/XXXX/15 @ XXXX XXXX, XXXX, XXXX/XXXX/15 @ XXXX, XXXX, XXXX/XXXX/15 @ XXXX, XXXX @ XXXX, XXXX, XXXX/XXXX/15 @ XXXX XXXX, XXXX, XXXX/XXXX/15 @ XXXX, and I am sure that they will call again tonight. This is clearly harassment and we have asked them to stop calling us and they say that they ca n't stop calling. My husband has started a XXXX shift job and this is disruptive to the entire household.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-09-2017 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (NV).
Issue: Settlement process and costs

Complaint: I filed a mortgage application with Homeward Residential Inc. on XX/XX/2016. I have not been contacted in over two weeks, because they said the appraised value was too high. I have been waiting 79 days to close my loan. I have already paid for the appraisal. I need to close the loan to save about $ XXXX/month. 
This is not the first time I have been wronged by an affiliate of Ocwen. When they bought my existing first mortgage loan at 8 % interest, they put false information on my credit report which inhibited my ability to repair my credit after going through a Chapter XXXX bankruptcy. I had to complain to you to get it fixed so I could begin to re-establish good credit.

Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2015 about Credit reporting () with Experian Information Solutions Inc. (MS).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Ther are XXXX debts and almost all of them I do n't recognize. I need them off my credit score.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I have contacted equifax to see what is going on with my credit and they would provide me any information because my phone number did not match the XXXX on file an i want to get this resolved an dispute all the items on my credit report because they are not mine and the credit bureau is not helping me.

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Equifax refused to correct my credit file from previously deleted information. Deleted files were removed in XXXX, XXXX, and XXXX. XXXX XXXX helped me to correct my Equifax report so the information had to be verified through Equifax as well as the company. Not only that, I called to have the security freeze removed for thirty days they refused to do so unless I gave them a XXXX. To me, I felt discriminated against because other consumers never provided this form or other forms. I sent in my social security card, proof of address, and drivers license. The documents were provided three times with the correct information. In addition, Equifax had my address for the last twenty years, and I received a report with four different addresses listed. I submitted proof of my address and this should be corrected immediately. Finally, I reported several times to Equifax that XXXX XXXX  accounts were removed.

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
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 sent a letter to transunion requesting to have several credit inquiries removed that were not mine, The credit bureau just sent me a letter stating the definition of what a credit inquiry is.

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 08-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX and XXXX/XXXX/XXXX and XXXX/XXXX/XXXX XXXX/XXXX XXXX/XXXX/XXXX XXXX sent disputes to credit Bureus. These companies are all frauds, they tempt you saying low credit approved but decline after pulling hard inquiry. i even called them and there is no proper person to speak with and i end up getting ignored and agitated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2016 about Mortgage (Conventional fixed mortgage) with SUNTRUST BANKS, INC. (WA).
Issue: Loan servicing, payments, escrow account

Complaint: After the two years of paying PMI ( Private Mortgage Insurance ) in addition to the mortgage on our house, we applied to have our PMI removed since we had paid off XXXX % of our house value with SunTrust Mortgage Corp. We worked with SunTrust to find out what steps were required - they told us to submit an application to remove the PMI. We did, and a month later we received a letter in the mail stating that we also needed to include a check to cover the cost of the appraisal. We sent off another application, this time including the check, to the PMI department. After over a month of no contact, we reached out to SunTrust customer service and were notified that the PMI department lost the application and check. We paid our bank the {$25.00} charge to cancel the check and then sent the PMI department a third application and check. This one was received, although it took SunTrust another month to arrange the appraisal and then subsequently remove the PMI from our bill. Through poor communication on the part of the PMI department and slow-moving processes, we paid an additional XXXX months worth of PMI after the process began. If Customer Service had known to ask for a check, we would have saved all XXXX months ' worth. If the PMI had not been negligent and lost the second application, we would have saved two months ' worth. If the PMI department moved faster than a glacial pace, we would have saved one month 's PMI. I have spoken with XXXX Customer Service representatives at SunTrust that have both admitted that the PMI department should refund us at least two of the months ( after the XXXX application was lost ), although the PMI department denies any fault after turning down a request to have those months ' PMI charges reimbursed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2017 about Checking or savings account (Checking account) with U.S. BANCORP (CA).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: I am filing this complaint agai nst US Bank Corporation. I h ad an account with this bank. I was never contacted that there was an issue with the account. The bank reported me to chexsytems before contacting me and allowing me to resolve the problem.

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 02-10-2017 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I was recently denied credit based on information retained by Equifax Credit Information service. When I tried to inquire by phone at the given number XXXX, I got an automated attendent that after I told it " Denied '', it said I had to use a credit card to pay for my report/score. I tried to tell it otherwise, but it seems preset towards this option. The only other option given for communication if by mail to a XXXX. This all appears unfairly set up to discourage compliance with consumer requests.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: please find attached the creditors letter for which they have approved to remove the negative mark from my credit report on the XXXX XXXX account number ending in XXXX from XXXX of 2016. i have already submitted the letter to the bureaus as received. but they have not yet removed per creditors approval please make sure this update occurs thank you

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2017 about Debt collection (Other debt) with Stellar Recovery, Inc. (KS).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: On both XX/XX/XXXX & XX/XX/XXXX I was contacted by your office, which appeared on my called ID as XXXX, KS on XX/XX/XXXX, when I answered there was no body there. The call was placed on my cell-phone and a number of XXXX appeared. When I called, no one answered. I was again contacted on XX/XX/XXXX with the caller id showing XXXX, KS again I answered and no response. This time it showed a number of XXXX, which I called back and spoke with XXXX XXXX who identified himself as a collector for Stellar Recovery in an attempt to make a demand on a debt to XXXX XXXX from XX/XX/XXXX. When I advised XXXX XXXX this account was past the statute of limitations he said No it certainly is not. Before I progress with the rest of the facts, let me state under Kansas States Annotated 60-511 A creditor must bring an action-based on a contract that is expressed or implied but not in writing, an oral contract within three years. As there was never any written contract for service this was in-fact a time bared account. This act of collecting on a time barred account in its own is in violation of 15 USC 1692e subsections 807 ( 2 ) ( A ), as the legal status of the account is time barred to which XXXX XXXX disagreed with, keep in mind, his answer must be truthful under the FDCPA. I was then transferred to a supervisor XXXX XXXX and asked why my caller ID just shows XXXX, KS to which she stated We use an auto-dialer ). This is in violation of two laws. First, the TCPA that The FCC has determined that debt collection calls are not telemarketing calls. Therefore, under the rule the FCC has stated that with respect to autodialed or prerecorded debt collection calls, to the extent that they do not contain telemarketing messages, would not require any consent when made to residential wire line consumers, but require either prior written or oral consent if made to a consumers wireless number referring to 47 C.F.R. 64.1200 ( a ) ( 1 ). At no point, did I ever consent to my personal cell-phone number to be called. Additionally, the way your caller ID shows is XXXX, KS, but it is not just the name that I argue is a violation of law, it is the fact that the phone number that appears is a XXXX, KS number, when your office is clearly in Florida. Such action constitutes a violation of the 15 U.S. Code Section 1692f ( 5 ) Causing charges to be made to any person for communication by concealment of the true purpose of the communication. Obviously I have the right to determine what calls to accept and what ones not to answer. By concealing the true caller on the caller ID, your office has engaged in deceptive practices and as XXXX XXXX admits this is an auto-dialer, I am wiling to bet I am not the only consumer for whom your office has done this to. Additionally, I was never given the opportunity to dispute the bill.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (VA).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: On 2017XXXXXX, my checking account was overdrawn by {$170.00}. My savings account was linked to the checking account for overdraft protection, and I had setup automatic overdraft protection in the event that my checking account was ever overdrawn, and a {$12.00} fee would be applied for any automatic transfers resulting from the overdraft protection of my checking account.
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On this date, my savings account balance was {$5.00}. Since my checking account balance was - {$170.00}, the automatic overdraft protection was initiated and my savings account balance of {$5.00} was transferred to my checking account to cover the deficit. Luckily for me, I have the financial support necessary to deposit {$510.00} into my checking account via the bank 's mobile app to cover the deficit in my checking account, and I spoke with the bank support team and confirmed that they {$5.00} would be transferred back to my savings account and I would not be charged the {$12.00} automatic overdraft protection fee since I made the {$510.00} deposit to bring my checking account balance back into the positive.
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The basis of my complaint is that the amount automatically transferred from my savings account into my checking account was not even sufficient enough to cover the {$12.00} fee that would have been applied to the overdraft protection transaction, let alone cover the deficit in my checking account. So the net result would have been - {$6.00} ( {$5.00} minus {$12.00} fee ) being applied to my checking account balance of - {$170.00}, and I likely would have incurred an additional overdraft fee of {$35.00} on top of that since my checking account balance would still be in the negative. This type of exploitation is a perfect example of the predatory fee practices that banks practice which significantly contribute to lower income individuals being unable to climb out of debt and perpetuates a vicious cycle of high interest payday loans and hefty overdraft fees required to keep an account in " good standing ''.

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 03-10-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: To whom it may concern, I recently applied for credit with my bank and was declined because of a low credit score XXXX from XXXX three ( 3 ) months prior. While researching the cause of the low credit score, I found there was no justification for my score to be at such a low mark and I seek an internal investigation on all three ( 3 ) reporting agencies for possible minority individual discrimination. As a United States tax paying citizen without any derogatory reporting and without any paying delinquencies with my creditors, I am seeking to establish a potential law suit to challenge the status quo of the following organization. These agencies consist of XXXX, Trans Union and XXXX. Please inform me about how I can pursue to challenge and correct this matter, 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 03/28/2016 about Debt collection (Credit card) with Capital Management Services, LP (CA).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: Called once at XXXX and again

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2015 about Debt collection (Payday loan) with SCV Inc. (FL).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I expressed to the debt collector who initially called me about a payday loan that was taken out in my name that i thought it was a case of identity theft and that i requested papers to be sent to me through mail and I have yet to receive them. She transferred me to another person ( male ) who said " looking at your file, it is apparent you dont pay any of your bills '' and cursed at me and hung up on me. All of this when i was just trying to calm him down from being rude. I told him that wasnt neccessary the way he was speaking to me, and this man hung up on me before i could get any other information.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2018 about Debt collection (Medical debt) with OUT TECH, INC. (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Medical bill was to be handled through insurance. Moved in Late XXXX, so never received invoice/ was never contacted through other methods regarding an outstanding bill.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-03-2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I pay my mortgage to Chase via XXXX. I accidently entered the wrong XXXX XXXX XXXX XXXX XXXX XXXX did not contact me, but my payment was returned to them due to the wrong address. Chase sent me a late payment and we ( XXXX ) uncovered what happened. I immediately paid my XXXX mortgage payment. Chase reported me to the credit bureau. I 've had my home for almost 20 years and have never been late. I 'm asking Chase to expunge this from my record based on my good-faith statement. They refuse. I think this is unfair, not consumer friendly, and a severe repercussions for a simply typing error. I have all the records on XXXX and can provide to you at any time.

Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2017 about Debt collection (Mortgage debt) with TD BANK US HOLDING COMPANY (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have been paying XXXX XXXX, XXXX on a Home Equity Line of Credit ( HELOC ), loan # XXXX. TD Bank continues to incorrectly switch payments I designate as interest to principal and then show interest as unpaid. This has happened nearly every month for almost 6 months and I need to spend over a week every month going to a branch bank and requesting they correct the problem. 

Most recently, I made an interest only payment of {$230.00} to TD Bank on XX/XX/XXXX. Then, on XX/XX/XXXX, I made a {$750.00} principal payment. When I saw the XX/XX/XXXX payment online that same afternoon, it was posted correctly. After overnight processing, when I viewed the account online on XX/XX/XXXX, the payment was flipped out of interest paid to principal paid. Unless I hound the bank to correct this problem, TD Bank can report the unpaid interest for the month to all credit reporting bureaus as negative credit information that hurts my credit rating, which is in the mid XXXX. 

The XX/XX/XXXX principal payment first appeared as a split between interest and principal when viewed online the same afternoon as when the payment was made. Then overnight, the payment flips into all principal. About 6 months ago this problem started. It started around the same time as a former branch manager, XXXX XXXX, in the XXXX XXXX, FL XXXX XXXX office left the branch. She told me that she had spoken to the back office and told them to fix the problem. I think she may have told them to create the problem. 

TD Bank 's XXXX Florida branches and their staff all seem to be wholly incompetent. I 've dealt with TD Bank branches in the states of NJ, VT, PA and FL at various times and only the FL branches have continued problems.

Company response to consumer: Closed with explanation