milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/27/2017 about Debt collection (Mortgage debt) with AUDIT SYSTEMS,INC (VA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: received collection letter from Audit Systems Inc. on XXXX/XXXX/XXXX stating balance due of {$1100.00} from a check dated XXXX/XXXX/XXXX to XXXX XXXX XXXX. 
This check was processed and recorded by XXXX. 
Sent returned letter to Audit Systems demanding they cease collections efforts and that the account was paid on time. 
no response from Audit Systems

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2017 about Student loan (Non-federal student loan) with SLM CORPORATION (RI).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: A Sallie Mae private loan came up in June 2016 with me as the borrower and my late father as the cosigner. I had no prior knowledge of this loan so I tried to gain as much information about it as I could. I contacted Sallie Mae about three times, trying to get a copy of the promissory note ( with signature ), but I was either ignored or sent the wrong information. Eventually they sent the correct documentation and the information under my name was horribly incorrect. My martial status, place of work, source of income, and homeownership was a copy of my fathers information. It stated that while attending college, I worked full time for 5 years at a XXXX XXXX, made {$100000.00} with additional income from a spouse of {$100000.00} ( which is inaccurate ). It stated that I was also married and owned a home. The only thing else on the loan was an electronic signature, I asked for a copy of a written signature or a signature written with a track pad, but they did n't respond. I was told by my step-mother to see her lawyer ( an elder and estate law firm ) for help and they advised me to continue to pay the loan while they sent a letter. The response from the letter was that because I took advantage of the loan and that they have an electronic signature I was still responsible for the loan. I found out by looking at the paperwork that my father took out this loan in XX/XX/XXXX while being treated for XXXX and died on XX/XX/XXXX. My father listed that I worked at XXXX XXXX in XXXX and that he worked for XXXX XXXX. I was never notified of the existence of this loan and have met my responsibilities with all the student I was obligated to pay. I was never told about the existence of this loan there I am not responsible. As a side note my mother and I called the US Department of Education and was advised to call XXXX to see if the loan was federal or private and it was private loan from Sallie Mae. When we call Sallie Mae and attempted to speak to a representative on this matter, the representative put on hold then came back and abruptly informed us that she could not speak to us any further and to have our lawyer call this number XXXX. When we called it was not in service and referred us to the original Sallie May number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2017 about Debt collection (Credit card) with ZENCO COLLECTION, LLC (SC).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: ZENCO continually call me or wife for debt they say wife owes for a credit card debt 30 years ago and threatening to send to district attorney or placing a levy on my property. They called my wife around XX/XX/XXXX with our banking account number and amounts threatening to put a lien on property. My wife got scared but hung up before they transferred her to the finance department to authorize a debit from the account. They subsequently sent her an email with an authorization request to debit the account asking for signature, which she nor I signed. On XX/XX/XXXX they collected from our bank account without proper authorization. On XX/XX/XXXX I reported it as fraud to the bank and they reversed the electronic transaction. On XX/XX/XXXX ZENCO called my cell phone and threatened me with bank account levy action for having the bank return the electronic debit check.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed
Consumer complaint received 08/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (ND).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I 'm a victim of identity theft and someone stole and used my North Dakota driver 's license XXXX and social security card to apply for a XXXX credit card account. Whoever the individual is, that stole my personal information impersonating me, they applied for a XXXX credit card account fraudulently using my personal information. The following XXXX credit card account : XXXX is fraudulent and unauthorized. The account do not belong to me. I did not apply for a XXXX credit card account. The fraudulent XXXX credit card account is listed on my XXXX XXXX, XXXX and Experian credit report.

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 01/19/2017 about Credit card () with CITIZENS FINANCIAL GROUP, INC. (FL).
Issue: Credit determination

Complaint: Citizens Bank used my credit info to deny my wife 's application to upgrade her XXXX phone. My wife decided XX/XX/2016 to use the apple upgrade portal through apple computer to get a new phone. Its her account only. Nothing to do with me. She entered her personal info ( not mine ) in the application. When it came time to pay the XXXX fee to upgrade she used my XXXX card. Somehow by using my XXXX card it triggered Citizens Bank into pulling my credit report twice. They denied her application by using my credit. i did n't authorize it. She did n't authorize it. No personal info of mine was shared. I 'm not a client of Citizens. They are getting people to apply for credit without them knowing. Its a FRAUD!

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. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have been unable to contact XXXX about disputing the following on my XXXX report, dated XX/XX/XXXX : 1. Name shown as XXXX XXXX is wrong. I NEVER go by this name. My name is ONLY XXXX XXXX XXXX, XXXX. The property deed to my only home since XX/XX/XXXX goes by XXXX XXXX XXXX, XXXX XXXX  MUST remove XXXX   XXXX , this is not me!!!!!!!!!! 

2. XXXX XXXX # XXXX * * * : Under " Remarks '' should be corrected, this account was " ACCOUNT CLOSED BY CUSTOMER ''!!!! 

3. XXXX XXXX # XXXX * * * : Under " Remarks '' should add " ACCOUNT CLOSED BY CUSTOMER ''!!!!! 

4. XXXX/XXXX XXXX XXXXS # XXXX * * * : Under " Remarks '' should add " ACCOUNT CLOSED BY CUSTOMER ''!!!! 

5. XXXX/XXXX  # XXXX * * * : Under " Remarks '' should add " ACCOUNT CLOSED BY CUSTOMER ''!!!! 

XXXX XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: haave been attempting to get my lender Bank of America to resolve an issue regarding the declination on my part of a loan modification for over seven months now. I explained to them that I did not wish the loan and not to set up an escrow account for me and they did so anyway against my wishes. At this point ( as of XXXX/XXXX/17 ) approximately they have finally escalated this and claim it will be resolved soon but no word as of today XXXX/XXXX/17 I want all late fees reversed and this completed immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 04/17/2016 about Credit card () with BARCLAYS BANK DELAWARE (IN).
Issue: Overlimit fee

Complaint: I transferred a {$10000.00} ( estimated ) balance to a zero interest card Barclaycard us & I get my first statement, I have {$300.00} in interest fees! I call the credit card company, she tells me they will do an " investigation '' and get back with me ... .been 4 months & I have heard nothing!!!! I go on the website to change my due date to a different date, when I have more money in the month ( due to the extremely high payment ). I go on the website 2 weeks late & the date is still not changed. You call the number to the company & " their systems are down, please call back at a different time ''. This company is a sad excuse for a business!!!!!!! Terrible customer service!!!!!!!!!!!

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 07-08-2016 about Debt collection (Medical) with Patient Accounting Service Center (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was never seen in a room. I had XXXX in XXXX places, and they sent me to the medical clinic across the street. I only registered there then was told to go across street to clinic. Dr. did terrible job, .I might of had a XXXX but not XXXX in one day. My husband was with me he should be responsible if anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2015 about Consumer Loan (Installment loan) with SYNCHRONY FINANCIAL (IL).
Issue: Managing the loan or lease

Complaint: On XXXX/XXXX/2014 I entered a contract with GE Capital Retail Bank to finance {$430.00} with no interest if paid in full within 12 months. 
I have record of payments made on XXXX/XXXX/14 for XXXX, XXXX/XXXX/14 for XXXX, XXXX/XXXX/14 for XXXX, XXXX/XXXX/14 XXXX and XXXX/XXXX/14 XXXX. Synchrony Financial bought the contract without my knowledge and began sending bills in XXXX 2014, and late payment fees continuing to present date at a current balance or {$220.00}. 
I owed {$430.00} within 12 months and repaid XXXX within 5 months. Synchrony Financial has also destroyed my previous credit score XXXX to currently XXXX. I have tried to reason with them with no success.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10-03-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (UT).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I submitted a lump sum payment of XXXX on XX/XX/XXXX, for my PayPal Rewards credit card ( XXXX XXXX ). I am not a consumer who will allow large balance to remain on my card. After several days, I continued to notice with each check of my account, that my payment had not been applied to my credit card balance. I was told by the accounting manager today, XX/XX/XXXX, that due to me being a " new cardholder, with no ; credit card payment tenure established ' '' that " large payments are suspect in nature because 'other users have exhibited similar large payment behavior when participating in an illegal activity known as 'kiting ' ''. She also informed me that it is within their rights, per banking laws, to hold a payment that I submit on my account for up to 21 days!! She then added, " but we are only holding this one for eight days ''. Really? 
I am unaware as to what " kiting '' is, but it is n't something I would do, if illegal. I am simply a person who has utilized my card during a family emergency, only to pay it to a balance that would be less than 1/2 of my credit line ( XXXX ). 
This practice is my policy and I 've had no issues with other companies when paying a substantial amount " down '' off my balance in order to keep usage percent as low as possible. 
For eight days, now, my credit card account balance utilization has remained over 90 %, despite the fact that my payment of XXXX dated XX/XX/XXXX cleared my bank. I see absolutely no clear nor concise justification for the failure to apply my payment to my PayPal Rewards Mastercard account. Please contact me with information regarding applicable laws that would substantiate their justification for " placing a hold upon '' a large payment on my credit card. Thank you. 
Kind regards. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( 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 12/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

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

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 03/18/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX XXXX XXXX XXXX XXXX this balance was for equipment used. This equipment was returned!!! yet never corrected after relocating and closing account.

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 11/21/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (GA).
Issue: Problems caused by my funds being low

Complaint: I bank with chase, checking account since 2010. About 3 months ago I was charge a NSF for a transaction I made a few hours Pryor to my direct deposit posting, which they post the same day. The CSR explained that he was unable to credit me back the NSF charge. So, I advise the CSR to take off that option for overdraft protection. He stated that he will remove and said that if funds are not available any charges I 'd make will be declined. I agreed to that. Well here I am 3 months later ... .made some transactions and went to check my account on payday I was charged XXXX NSF of XXXX each ... .My mouth dropped. I called chase bank and explained that I spoke with a rep 3 months ago to have over draft taken off. The CSR stated that It was n't off and she can not credit my money back. She said she will forward the information to her manger and they will review the call and give me a call back. Well its been 2 weeks, still waiting on the call and my money. What are my other options?

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/24/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (AL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: On yesterday XX/XX/XXXX, I spoke with a representative of FedLoan Servicing. Unfortunately, she informed me I have been a victim of a fraudulent company drafting funds from my bank account for the last 2 years. I would like to file a formal complaint against FedLoan Servicing, because this ordeal began when my loan information was apparently released to the fraudulent company, who initially contacted me via US Mail. At the time, I was a novice to the student loan repayment process. Due to the negligence of FedLoan Servicing, I became a victim of this deceitful company. 
In XX/XX/XXXX, I received a letter in the mail from the " XXXX '' regarding a loan consolidation program I qualified for based on the Health Care and Education Affordability Reconciliation Act of XX/XX/XXXX. Several months later, I called the number listed on the letter XXXX and spoke with a representative XXXX. XXXX had all of the information about my student loans including the amounts owed and lenders information. After speaking with XXXX, I spoke with another representative XXXX, both provided direct numbers for contact [ XXXX XXXX and XXXX XXXX ]. They each had valid information about my student loans, and convinced me I should verify my identity and sign up for this opportunity before it expired. They then drafted 3 installments of {$230.00} to the XXXX XXXX XXXX, CA XXXX for enrollment into the consolidation program. On XX/XX/XXXX, I received confirmation of the automated bank drafts from XXXX XXXX XXXX, OK XXXX ( website : XXXX ). The company also required I allow XXXX ( XXXX ) to monitor my Income Based Repayment Plan and re-certification for the automated draft amount of {$29.00} a month. Sadly, I have been paying this company for almost 2 years now. 
Upon learning of the scam, I immediately contacted my banking institution and stopped all future drafts from the company. I also filed a claim with my banking institution, placed an alert on my credit report, and filed a complaint with the Federal Trade Commission ( reference number XXXX ). I would like this situation be resolved and to receive restitution for my financial loss. Please reply with the following : 1. ) How did this company acquire my loan information? and my mailing address? I did not contact this company, I did not provide my student loan information to them, yet somehow they had this information 2. ) I need someone from FedLoan Servicing to guarantee these people can not contact me or access my information in the future? 
3. ) Can the FedLoan Serving reimburse me for the monies the company drafted from my bank account?

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: On XX/XX/2017 I checked my XXXX account and noticed that Trans Union had removed all of my collection accounts ( 4 ), removed all of my inquiries ( 8 ) and illegally reinserted them back onto my report without first notifying me, in writing, within 5 days. TransUnion states that all of that activity took place between XX/XX/2017. They have violated the FRCA laws for not notifying me within 5 days of re insertion. Attached are screen shots of all the illegal activity they performed. I have contacted TransUnion via telephone and spoke with a representative, who was very rude, about the deletions and reinsertions and how they did not notify me via writing that they were reinserting the accounts. The representative basically told me that they didnt do it and called me a liar. When I asked to be transferred to a supervisor, I was told that there was not one available and was hung up on.

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 08/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: My credit report is now showing an address that I do not recognize. I would like to know where the bureaus obtained the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX address. I did live in XXXX before, but never at this address. Any account associated with this address is fraudulent and does not belong to me. Please remove this address from my credit report and please notify me if there is any accounts / reporting associated with this account.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2017 about Debt collection (Credit card debt) with Weinberg Mediation Group LLC (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid off a credit card bill several years ago owed to XXXX XXXX XXXX XXXX ( XXXX XXXX ) now anther company has been harassing me and contacting me saying I owe this debt and threatening legal action and saying if I do n't call them back they are going to sue me I told them to send validation of the debt which they are yet to send simply because they are scam artist. They are now calling my place of employment and my cell after telling them not too and that they could only correspond with me through mail and written documentation. As I stated this bill was paid several years ago. A woman has been calling as well as guy pretending to be lawyers

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2017 about Debt collection (Other debt) with Hunter Warfield, Inc. (AL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: HUNTER WARFIELD INC  #XXXX**
XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX
Placed for Collection:XX/XX/XXXX
Responsibility: 	Individual Account
Account Type: 	Open Account
Loan Type: 	COLLECTION AGENCY/ATTORNEY
	
Balance: 	$XXXX
Date Updated: 	XX/XX/XXXX
Original Amount: 	$XXXX
Original Creditor: XXXX XXXX XXXX XXXX  (Rental/Leasing)
Past Due: 	>$XXXX<
	
Pay Status: 	>In Collection<
Remarks: >PLACED FOR COLLECTION<
Estimated month and year that this item will be removed: XX/XX/XXXX


This military housing debt 77% of this debt does not belong to me. I was XXXX XXXX living in military housing when the military XXXX XXXX XXXX XXXX XXXX The military is responsible for the 77%. I only owe $XXXX left on the debt for cleaning cost. My XXXX (housing allowance) military housing suppose to be paid my military.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/16/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This debt was negotiated with the collection agency to be paid for a settlement sum and they agreed to remove it from my credit report. They continue to report this debt as being open collection even though it has been paid. They also are not abiding by our agreement to remove as open from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Enhanced recovery placed old debt on file. debt is 7 years old and no money is owed to company they are collecting for. military orders were sent to have service disconnected and all equipment was sent back in the boxes they provided.

Company response to consumer: Closed with non-monetary relief