milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-09-2018 about Debt collection (Other debt) with Convergent Resources, Inc. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This company XXXX XXXX XXXX is using some real shady tactics here, let me tell you. I found out about this debt from my credit report. I was never ever informed on this debt, I have n't needed XXXX XXXX since I left a fixer upper home in XX/XX/XXXX. Somehow the new tenants got the power back on in my name, probably because bills were still coming there for power.I have contacted XXXX and they will do zero to fix this, said to call the cops. I did and they said it was 7 years ago so they cant do anything. This was put on my report as current, and went delinquent in XX/XX/XXXX. Which in fact is false. It went delinquent in XX/XX/XXXX. I disputed this charge, said the balance history was incorrect. They updated and said it is not. It is not fair that these companies can out and out lie when you dispute things. If this is not fixed or deleted I will be contacting a lawyer for damages. a XX/XX/XXXX delinquency hurts my credit FAR MORE then the correct age of XX/XX/XXXX. This is not fair to the consumer and they should be fined!!!!! I have called them even to notify them of their error and they refuse to fix this. The below Bill shows my last payment was XX/XX/XXXX and they said it was partial. Acct was put delinquent XX/XX/XXXX Power was Shut off and XX/XX/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 09/21/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX is showing I have a late payment on my reports but I was n't late and I have a letter in hand showing that.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2017 about Debt collection (I do not know) with Southwest Credit Systems, L.P. (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have no idea who this collection agency is, nor have I received any communication from them other than repeated phone calls that are becoming harassing. This company repetitively calls my phone and has never left a voice mail message. After calling the number back and learning it was a collection agency, I thought it was spam since they have yet to leave a message and blocked the number. However, they continue to call from several different numbers and do not leave a voice mail message anytime they call. This is a brief list of times and dates from 3 different phone numbers they have called from : XXXX : XXXX : XXXX XXXX : XXXX : XXXX, XXXX, XXXX XXXX : XXXX : XXXX, XXXX XXXX : XXXX, XXXX, XXXX This out of control and I am demanding that this company never contact me again.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2016 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (LA).
Issue: Problems when you are unable to pay

Complaint: This company sold or transferred auto loan to another company

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 01/26/2016 about Credit card () with WELLS FARGO & COMPANY (MN).
Issue: Billing disputes

Complaint: I purchased furniture from XXXX and all the furniture is broken and defective now. I have n't had the furniture for a year, but the furniture is all broke and defective. I received furniture of poor quality and materials. I was charged {$4000.00} for the future. I sent a complaint to Wells Fargo and XXXX XXXX back in XXXX 2015. I received a letter from Wells Fargo Financial National Bank on XXXX XXXX, 2015, in regards to my complaint. Wells Fargo Financial National Bank informed me, my disputed charge, was valid. Review Consumer Financial Protection Bureau Case # : XXXX. I want Wells Fargo Financial National Bank to issue me a credit of {$4000.00} and send me a new card as well.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2016 about Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX XXXX, 2016 I made a home equity mortgage payment per telephone. The company in question is Wells Fargo. My payment was eight days past due, but still within the ten day grace period during which no late payment penalty is assessed. The representative informed me that I owed the past due amount in addition to next month 's payment. 

In other words, he wanted me to pay twice the amount I was prepared to pay that day. I told him that I only wanted to pay the past due amount for the month of XXXX. He responded that scheduling a payment in advance for the month of XXXX at this time would save me the trouble of paying in XXXX. Again, I told him that I did not desire to pay in advance. Finally, he said that it " would be okay, '' reconfirmed the amount of my payment : {$660.00}, and provided me with a reference number for the transaction. 

I thought the matter was settled, until I checked my bank statement later and found that the Wells Fargo representative had used my credit union 's banking information, which I had provided ( account and routing number ), to debit two monthly payments for a total of {$1300.00}. I immediately called Wells Fargo, explained the situation and upon escalating the matter was told by a supervisor that I had two options : ( 1 ) wait for a cashier 's check, which takes about 30 days, or ( 2 ) open a checking account with Wells Fargo, from which I could withdraw the money in a shorter amount of time. 

I emphatically declined, saying that I never authorized a double payment and that it was incumbent on the part of Wells Fargo to rectify the situation. I explained that I budget my expenses by month and can not afford to make double payments ever. The matter was therefore further escalated to the " executive '' level and I got to speak to " higher level '' manager. She gave me her telephone number and extension, asked me for mine and said that she would look into the matter herself.

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 08/18/2016 about Bank account or service (Checking account) with PNC Bank N.A. (PA).
Issue: Account opening, closing, or management

Complaint: I opened a Business account w/PNC on XXXX/XXXX/2016 with a {$10.00} cash deposit. On XXXX/XXXX/2016, I deposited {$60.00} cash, giving me a total of {$70.00} account balance. On XXXX/XXXX/2016, after reviewing my online banking site, I saw no deposit for XXXX/XXXX/2016. I called business banking customer service & was told my account was in the process of being closed by PNC. There has been NO communication from PNC whatsoever to tell me why. I have initiated all communication with the bank, the branch & customer service. On XXXX/XXXX/2016, I again call business customer service to see what status my account is in, again I 'm told it 's in the process of being closed. I was told I could go to the branch & get my {$70.00}. I go to the branch was told that because the account was on hold & that a check was in the process of being cut, they could not give me my {$70.00}. XXXX XXXX, whom opened this account, called yesterday @ XXXX to tell me she would get answers to what 's going on w/my account. It 's now XXXX on XXXX/XXXX/2016, I 've still heard NOTHING from PNC whatsoever. I 've again left messages ( at least XXXX & XXXX emails ) w/the branch & with XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/14/2015 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have an active account with XXXX since XXXX, this account was converted to XXXX XXXX after XXXX was acquired by XXXX XXXX in XXXX. Sometime later, I was issued a new card with new numbers in XXXX XXXX with the XXXX XXXX logo. My account before XXXX XXXX was listed in my credit file with Equifax however after the new card was issued somehow this account was deleted from my credit file. Since the beginning of this year I have called several times to Equifax and spoke with so many people in different departments and they all keep saying that this account is not in my credit file because XXXX XXXX choose not to report this account, however this statement is completely false because I spoke with XXXX XXXX and they assured me that this account it 's been reported to them. They even send me a letter XXXX different times stating that this account it 's been reported to them. I also fax this letter to Equifax and they still do n't want to do anything to correct this problem. I feel that my rights has been violated and for this reason I 'm filling a complaint with the Bureau of Consumer Financial Protection.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: According to the Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verity through the physical verification of the original signed consumer contract-any and all accounts you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below Moreover, include documentation which shows that this account was not claimed as a lose with any insuring entity I do not want just a review without detail, instead I have requisitioned a detailed validation.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed within ( 30 ) days and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

Furthermore, According to the Certified UCC-11 Document attached, there are NO Active Liens with said creditors. A complaint has already been filed with Consumer Financial Protection Bureau regarding this matter.

Fraud is any kind of artifice employed by one person to deceive another -Goldstein vs. Equitable Life Assur . Soc. Of U.s misc.

No response has been made from the 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 05/15/2015 about Credit card () with AMERICAN EXPRESS COMPANY (NY).
Issue: Other fee

Complaint: I recently applied for and was approved for the American Express XXXX card. Shortly after my XXXX purchase, my card was declined to a fraud alert. American Express refused to resolve the issue over the phone and required me to obtain a notarized document from a bank and fax this to them. They deemed that it was not acceptable to have the document notarized by a non-bank entity, and it was also not acceptable to submit the documentation via another form of communication ( postal mail, e-mail, etc ). They refused to refund me for the expenses I incurred to comply with their request. They also refused to refund a portion of the annual fee as I requested due to the fact that I was unable to fully use the card for a significant amount of time ( over one month ). It was not disclosed in the marketing materials that I reviewed when applying for the card that I would need to incur these expenses to keep the card active.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/23/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Stellar Recovery, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: stellar recovery dba XXXX keeps putting open accounts marked as past due on my credit reports i have disputed and had them removed 4 times since XX/XX/2014 they keep adding them back on my credit report even after admitting that these accounts are n't mine ... this is having a very negative affect on my scores and preventing me from buying a house

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (IL).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: My parents were co signers on some of my loans and they ended up in bankruptcy. Navient did not allow me to make any payments during this time, But Navient continued to accrue XXXX years of interest. 

I continue to pay more then what is owed but my balance keeps going up. 

My account says that I owe nothing for some months but when I click on the specific account I can see that there is an interest balance. This is deceptive, it makes you think that nothing is due that month but really you are accruing more interest. 

I went to XXXX XXXX a for profit school. I was never given information about my lender, never given information on my credit. Never told about monthly payments. 

I have called multiple times to see if my interest rates could be lowered but they have told me multiple times that it they are based off of what the government decides and there is nothing I can do to lower them. 

I was told that I am not able to consolidate in any way. 

My interest rates keep rising and it 's getting to a point where I can not afford to live. 

Whenever I call their customer service all they say is there is nothing they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (NV).
Issue: Loan modification,collection,foreclosure

Complaint: I applied for a loan modification to save my home from foreclosure with my servicer Ocwen. The loan is in the name of my late husband 's estate. I am the executor of the estate and the court has already appointment me executor of his estate, the home is in my name and I live in the property. Ocwen states they will not review me for a loan modification without assuming the loan first. I have hired an attorney to help me with the application and they are in contact with Ocwen. However, Ocwen now states my attorney nor myself can talk directly with the assumption department. They said I have to send all inquiries in writing. My attorney faxed a written inquiry to Ocwen 's assumption department on XXXX/XXXX/2016. To date, no one from Ocwen has responded and they still will not allow me to speak with the assumption department. How am I supposed to get an assumption if I can not speak with that department to ask questions regarding the process??? I am hoping this complaint forces them to talk with my attorney. It makes NO sense Ocwen says I have to apply for an assumption, however they REFUSE to allow me or my attorney to speak with the department that handles the assumptions. I have some questions as to what I can do to qualify. My point of contact has ZERO information regarding the subject and every time I try and discuss it with him, he merely tells my attorney that we have to submit it in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2015 about Debt collection (Non-federal student loan) with SIMM Associates, Inc. (TX).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: My daughter was contacted by this company ( Simms associates ) about student loan. She was threatened by wage garnishment and threatening to call her corporate office to inform others of said debt. 
When I called, they told me that i needed to get another job to help pay.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2017 about Credit card or prepaid card (Store credit card) with TD BANK US HOLDING COMPANY (MD).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: XXXX XXXX XXXX charged me a returned payment fee {$27.00} when I had money available in my account I checked my balance before phone ordering my payment and I had money in my account. Turns out that XXXX XXXX XXXX got paid twice and still decided to charge me a returned payment fee of {$27.00}

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have disputed these tax liens reporting on my Transunion Report many different times because these XXXX tax liens do not belong to me. I have dispute letters to Transunion on XXXX XXXX, 2016, XXXX XXXX, 2016, XXXX XXXX & XXXX, 2016, and XXXX XXXX, 2016. I am tired of disputing this inaccurate reporting. I am asking for your assistance in getting this matter resolved and removed from my Transunion Credit File.

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 06-03-2016 about Bank account or service (Other bank product/service) with Navient Solutions, LLC. (VA).
Issue: Making/receiving payments, sending money

Complaint: There is an old student loan that I have been paying on my son 's behalf for many years, the monthly payment on this loan is authorized to be debited from my checking account for credit to his student loan account with Navient. My son went back to school to finish his degree 2 years ago, and again borrowed money through the XXXX program to finance his last semester of college. At some point, the SECOND loan became past due, and my son thought he had worked out an acceptable payment plan that would n't burden him financially. 
Imagine my shock when I opened my bank statement this afternoon to find an UNAUTHORIZED ACH debit entry on my checking account for {$730.00}! Apparently, someone at Navient queried my son 's name/SSN found MY bank account information and initiated the payment WITHOUT authorization or notice of any kind.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with EOS Holdings, Inc. (AL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I am unaware of this debt, I have disputed it several times but it remains on XXXX of my credit reports and is hindering me from XXXX. I have even offered to pay a portion of the debt with the debt collector without verification just to avoid the hassle of dealing with this. They have refused to send me any verification of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: They are reporting a bankruptcy on my credit of XX/XX/2014 that does not belong to me and belongs to someone with a similar name as me. They are also reporting inaccurate telephone numbers and saying they verified with the person who gave them the information when the courts are the only ones who can verify this information as they have them down as the fernisher that reported the information. I have asked for documentation and names of the person who verified the information as it is the law that they provide that to me after saying they have verified the information. They are reporting a telephone number of XXXX which does not belong to the XXXX XXXX bankruptcy court and is not in service. I went to the court about the information being reported incorrectly and they informed me that this belongs to someone that lives on XXXX XXXX in XXXX mi and I have lived at my address for 14 years now. I also received a letter from them stating that they do not give information to third parties or credit bureaus and they do not update information either. I also filed a police report and I gave them both and they still are saying they have verified the information and that its mines but its not. Please help

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 03-11-2018 about Debt collection (Other debt) with Convergent Resources, Inc. (LA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have never done business with XXXX XXXX and I have mailed in disputes to the company twice, both the company and Credit Bureaus never provided me with a signed contract with my signature. A collection bill is a not a validation and I have the right to provided with proof and with no proper proof I need this removed from my credit reports.

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 10/30/2015 about Bank account or service (Checking account) with SCOTTRADE BANK (CA).
Issue: Deposits and withdrawals

Complaint: Dear Scottrade, CFPB Officials, and the Concerned Public : I am writing to follow up on the unproductive behavior of Scottrade and their affiliates, collectively known as Scottrade. Specifically, in 2013, Scottrade allowed a custodial account held by me and my son to be hacked. Likely in the databreach Scottrade had that led to XXXX XXXX customers having their personal information exposed, ( XXXX ). 

Myself and my son worked diligently in attempts to resolve the situation and worked with numerous other financial institutions involved in the fraud. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, and IRS have all agreed that the actions that occurred were the result of identity theft and fraud. However, Scottrade refuses to acknowledge these events as fraud for fear of exposing that their security systems are very poor. 

To warn the general public about the actions of Scottrade, I would invite current and potential customers to Google Scottrade 's customer reviews and I assure you will not want to do business with this type of company. 

For the purposes of resolving this issue professionally, I will be attaching, under a separate cover, the harassing letters Scottrade has sent to myself and my son, absolutely refusing to reopen my account, provide verification of debt, or even provide an original contract copy.

Company response to consumer: Closed