milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/18/2016 about Debt collection (Medical) with ProCollect, Inc (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: ProCollect, Inc. has been trying to collect on a medical debt that I believed was paid by my employer XXXX in XXXX. I have never been contacted about this debt until late in XXXX by ProCollect. I have had continual communication issues ( they repeatedly call and harass me and have threatened legal action. There have been times I have tried to contact them just to negotiate a payment to get rid of them, they tell me they can not locate my file in their system and can not help me. I just received a letter in XXXX XXXX offering to settle the debt for half the amount ( {$320.00} ), so I made a payment online just to get rid of them, but that payment never went through, and when I called to verify the payment was made, all I received was voicemail. I received an email verification the payment was processed with no information other than the payment amount. Now I am worried I may be a victim of some fraudulent scheme.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Student loan (Federal student loan servicing) with GREAT LAKES (RI).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I was told that my loans were in the Public Service Loan Forgiveness program. I was told by an agent named XXXX XXXX at Great Lakes on XX/XX/2011 that " If you were quoted a standard payment plan for 30 years, I can use it and after 10 years the balance is forgiven ''. This was wrong information. I paid {$760.00} for 4 years. My account was then switched to XXXX and I found out that my payments were not considered part of the PSLF program and that the loans were ever qualified for it. I then had my loans switched to XXXX XXXX and am now in the correct payment and program. I have asked to be credited the time paid towards by 120 payments over 10 years but have not been able to do so. Great lakes gave intentionally gave me bad information and is not held accountable. I should be done with 6 years of payments but now still have 8 more to go.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2017 about Debt collection (I do not know) with Midwest Recovery Systems (AL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: While checking my credit reports I noticed a collection from Midwest Recovery Syestems. This is not my debt and I have n't heard from Midwest at all concerning this unverified debt. This violation of my rights has caused stress and damage to my credit report.

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. (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Transunion Customer Service would not help and take care of the negative inquiries reporting to my credit report XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX via XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX 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 05-03-2017 about Debt collection (Private student loan debt) with ECMC Group, Inc. (NH).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint: Numerous calls about student loan default for someone else with the same name. I have never held any student loans. Did n't use second identifier ( such as date of birth ) when contacting my place of employment to verify employment. Continues to call and leave messages even though they have been told they have the wrong person and verified that the birthdate was different with the person they are looking for, and was requested to stop calling. Will not stop calling. Harassing behavior.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2016 about Debt collection (Credit card) with BBVA COMPASS FINANCIAL CORPORATION (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I was contacted in XXXX of XXXX from a company by the name of XXXX XXXX XXXX, address : XXXX XXXX XXXX, XXXX, TX XXXX for the collection of credit card debt, the representative 's name was XXXX XXXX. The contract/settlement agreement was for {$2100.00} from XXXX until this amount was paid in full. I provided my bank account information allowing an auto draft of {$75.00} to be deducted each month. This company informed me that I would be notified once the debt was paid. This did not happen, this company collected an additional {$1200.00} from me, which resulted in having to close my account, and report this to my bank as fraud. I did not discover this until XXXX of XXXX. I was completely taken advantage of and exploited. All I was trying to do was settle this credit card debt out of court. I tried multiple times to reach out to this company, however ; they no longer exist. This is a violation of my consumer rights and I need to file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WI).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my personal information including Name, Social Security number, address, birthdate, etc. resulting in a data breach in XXXX XXXX that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com.
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services.
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of c
riminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement. The negligent loss of personal information of nearly 200 million consumers is an unconscionable breech of ethica
l behavior by this company and it is further unreasonable that they are not directly notifying every single person affected by this regardless of their questionable " judgment '' of who to contact.

Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2016 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: RE : XXXX Account Type Collection Terms 1 Month Date Opened XXXX/XXXX/XXXX Account Status Closed Payment Status Late Payment Status Details Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status Updated XXXX/XXXX/XXXX Balance {$140.00} Balance Updated - Credit Limit - Past Due Amount {$140.00} High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX XXXX, XXXX, MT XXXX Ownership Individual Original Creditor XXXX Company Sold-to - Original Amount {$140.00} XXXX Experian needs to have this Entry immediately removed from my Report. This was disputed with XXXX and they sent a letter stating they requested these items to be removed with the CRA. I am not late on paying a bill, expecially this {$140.00} bill that does not belong to me! 
It is erroneous and I will file an AG compaint against experian.

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 02/15/2016 about Mortgage (Conventional fixed mortgage) with M&T BANK CORPORATION (FL).
Issue: Settlement process and costs

Complaint: ***This is my 2nd complaint against M & T bank for deceptive mortgage practices On XXXX XXXX, XXXX I filed for Chapter XXXX bankruptcy and surrendered my house located at XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX as part of the bankruptcy. The mortgage was held by XXXX Bank. My mortgage with XXXX XXXX XXXX in the amount of {$150000.00}, Account # XXXX, was discharge in Chapter XXXX bankruptcy on XXXX XXXX, XXXX. The amount was reduce to zero and I am no longer financially responsible for the mortgage. On XXXX XXXX, XXXX, after the mortgage was discharged and I was no longer financially response for the mortgage, XXXX Bank transferred the mortgage to M & T Bank. After that date I started receiving calls from M & T Bank / XXXX XXXX XXXX that I need to make payments on the mortgage to them. I filed a complaint with Consumer Financial Protection regarding M & T Bank / XXXX XXXX XXXX. M & T responded that I was correct, the loan had been discharged in bankruptcy, and I was no longer response for the loan. On XXXX XXXX, XXXX I received a XXXX from M & T bank showing cancellation of debt in the amount of {$150000.00}, and a XXXX.However, since the debt was discharge in bankruptcy on XXXX XXXX, XXXX, no actual debt was transferred to M & T and I should not have received a XXXX. M & T need to correct their mistake. I have attached the following : copy of the XXXX & XXXX, response from M & T on XXXX XXXX, XXXX regarding my previous complaint, Florida assignment of mortgage document showing mortgage was transferred from XXXX to M & T after bankruptcy discharge, Schedule D from my bankruptcy documents showing the XXXX mortgage was included in the bankruptcy, page from the bankruptcy showing that the property a XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX was surrendered in bankruptcy, my bankruptcy discharge document dated XXXX XXXX, XXXX, letter from the bankruptcy showing that I completed all payments on my bankruptcy plan & the bankruptcy trustee 's report of receipts and disbursments.

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2018 about Credit card or prepaid card (General-purpose prepaid card) with U.S. BANCORP (NY).
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint: Received a XXXX dollar ( {$50.00} ) prepaid gift card : a debit XXXX  card claiming to be " property of U.S. Bank XXXX XXXX pursuant to a license from XXXX XXXX XXXX XXXX '' In trying to register the card i find that neither the website www.mygiftcardsite.com, nor the published toll free number XXXX to be working. 

Checking the web i find that his company seems to have a long history of complaints and abuses.

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 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Problem with fraud alerts or security freezes

Complaint: I was part of the Equifax credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by Equifax, XXXX, or XXXX in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (CO).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: On XXXX XXXX I attempted to make a monthly payment on my Citibank held Home Depot card. I discovered this card and my Citibank held Costco card were close due to Citibank attaching someone else 's bankruptcy to me in error. The person lives in XXXX and I live in XXXX. Citibank took months to correct this error and cost me much time, stress and 50 points on my credit score. When they finally corrected the error, they immediately began calling ( same day ) 2-3 times a day requesting I pay my bills and immediately put my two accounts in arrears. Again affecting my credit. Remember, I could NOT make a payment because of THEIR error. Eventually they took a little interest off my Costco card and gave me {$100.00} on my Costco cash balance. They declined to offer or do more. 

On Saturday XXXX XXXX, XXXX, while again attempting to make a monthly payment on my Citibank held Home Depot and Costco card, I was again prevented from doing so. My cards are closed and I am forwarded to a recording saying they are closed and 'this is an attempt to collect a debt '. This is EXACTLY what happened just three months earlier. 

It is unbelievable to me that Citibank could make this error a second time, but apparently they have as I got a notice per XXXX law from XXXX saying something negative has been added to my credit file. 

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 monetary relief
Consumer complaint received 06/15/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (MN).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: Some of the apps I use are n't getting updated information about my bank balance

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 11/27/2017 about Vehicle loan or lease (Loan) with Bridgecrest Acceptance Corporation (KS).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I purchased a vehicle with a Auto loan from XXXX for the total amount of XXXX per month for 36 months over the course of this loan i had the engine fail on me i had only had the car for two months i had to hire a lawyer to get them to honor the warrantee on the engine past the engine issue it took 6 months for the car to be returned to my ownership after which i have had to take the automobile to a third party mechanic ever since and they chose to charge daily interest making my total payment XXXX a month never informing me of this change just about every operational part has had to be replaced on this automotive device the car was stole from my enclosed garage in a gated community on XX/XX/2017 at this time i had been dealing with identity theft issues to which i had PHI and PII information located within the auto the thieves did not give me the opportunity to gain access to all of my paperwork and data as a direct result of this XXXX now Bridgecrest has stolen my identity I did call my local law enforcement whom referred me to this site to file the complaint as of today 's date this loan is up to date showing they owe me 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 07/15/2017 about Debt collection (Medical debt) with TRANSWORLD SYSTEMS INC (ID).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: In     XXXX   XXXX   2016, I was called by Transworld Systems to set up a payment plan to pay off the remaining balance of having my   XXXX   XXXX   XXXX  . I set up a payment plan for six months, of {$230.00} and change. I then paid six out of six payments in full and on time. Thinking I had completed paying off that debt, I forgot about it, and thus did not anticipate a letter of closure on the account.
 XXXX 
Months later, I receive a phone call from Transworld Systems stipulating that I owe an amount of {$31.00} and change. I asked where the money had come from, as I had paid six out of six payments in full and on time. I was informed that the amount was previously uncalculated interest on the debt.
 XXXX 
I then asked why I was n't informed there would be a seventh payment of just accrued interest, they did n't know. I asked why they had n't incorporated the interest into the monthly payment like every other loan I know, and they said they did n't know the interest rate, that it was calculated by the system the company had acquired.
 XXXX 
I asked what system that was, they could n't or would n't disclose that information.
 XXXX 
The manager assured me that since I had made six out of six on time payments and in full, he would have a letter of closure sent to me, and that I need not pay the remaining interest, interest that I had not been informed of at the beginning on the process.
 XXXX 
Within the week, I was called again. I called back during my lunch break, at this point livid and irate. They said they could not close my account until I had paid the interest.
 XXXX 
I informed them I was on lunch and would call them back when I had more opportunity to discuss the matter. I asked their business hours for Saturday, and in error I was told they were  XXXX  to  XXXX  Eastern ; they are actually  XXXX  to  XXXX  Eastern.
 XXXX 
All calls were recorded for quality assurance purposes. They properly announced themselves and that that their intention was to collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2016 about Credit card () with SYNCHRONY FINANCIAL (NC).
Issue: Payoff process

Complaint: This actually started in XX/XX/XXXX with our call to the company but it is continuing now into XX/XX/XXXX. We called our Lowe 's credit card company, Synchrony Bank to check our balance and to pay off any balance. While we were on the phone we were told we did not have a balance. We used a credit card statement with XXXX balance to call them. Once we told them we owed the money and had a bill statement the credit card company rep told us again that we did n't owe any money. She had the account number given to her off the billing statement. We asked her to make sure she had the right account and to check all of our accounts because we wanted to make sure there was no mistake and that we had a XXXX balance moving forward. She said she checked all of the accounts and that XXXX card was closed and that there was no balance on any card. At that point let it go and took her word for it. After all, she was their rep and she had looked at all of our accounts. We thought that our bill pay at our bank had paid the last payment as planned and did n't worry about it any more. That is until we started getting calls about owning them money. We checked our credit scored and saw that they had now hit our credit score with at late payment. This lowered our score. I called the credit card company today and went over all of this with them. We asked them to pull the recorded conversation between my husband, myself and their agent. I talked with XXXX different people which also included a supervisor. They all said they did not have access to the recording and that we 'd have to contact the FCRA to get this fixed. My questions to them is this, why are we having to do all of this when it was them that made the mistake that caused all of these problems for us when all we wanted to do when we called was to make sure we owed nothing on the card? We feel like the credit card company is taking advantage of Lowe 's good customer through their mistake and it is unfair for their actions to cause these problems. Our credit was excellent. Now it is not. Credit card companies should be held responsible for their mistakes and the consequences that affect their customers. Should they not?

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 06/22/2016 about Debt collection (Credit card) with FIRST NATIONAL BANK OF OMAHA (MI).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: A debt collector from ( XXXX ) XXXX called me at my work phone number and cell phone number. They says that they are collecting for Bank of Omaha. 

They never attempt to send me a notice because they do not have a mailing address for me. I asked them to contact who they are working for and get the mailing address they attempt to send mail to. 

The debt collector refused to contact the bank to get a mailing address. They threaten to leave voice messages on my phone.

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Deposits and withdrawals

Complaint: Wells Fargo Has taken a legal order fee from my personal Checking account without prior notice or notification. No mail or call or email. There is no proof to me they have any letter to do this. I 've asked in person and over the phone for a copy of such letter and they respond with " We will mail you a copy '' but they never do. 

This is not the first time they do this and all the other times I had to call and bug everybody to get it back. It is exhausting. They wo n't even instruct me on what 's the next step ( call who ever requested the legal order on my account, asked them to give you a letter to reverse this, etc ), nothing. 

I 've called the Wells Fargo franchise and then the legal department and they say they ca n't reverse it because it 's an order and they have to take money but what is so convenient for them is that they only take their {$120.00} dlls fee. Nothing more no other moneys just their fees. On a printscreen Im including youll see it does n't explain and it only says : " LEGAL ORDER FEE DEBIT CASE # XXXX ''. 

After I asked why, and who, I ask why are n't they notifying prior to taking the money ; are they looking to overdraft my account with their fraudulent takings? YES, it 's a fraudulent act when they do it without prior notice and I 've told them that. I asked them to reverse the transaction and to return my money till they notify me properly. They declined. 

I am requesting my money back to my account and I want to close my account with them.

Company response to consumer: Closed with explanation