milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/23/2017 about Debt collection (Credit card) with JH Portfolio Debt Equities, LLC (CA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I recieved a call on XX/XX/XXXX from a debt collector saying that a XXXX account with a balance of over {$5000.00} was in default and that they were debt collectors looking to settle and that if I did not, I would end up in court and sued. When I heard this, I made no promise of payment or agreed to any form of contract payment and then they said I had 3 days to call them back to with my decision or else they would go to court. After this, I felt something was wrong and realized that the account they were referring to was not one that I had opened myself and that I had flagged prior back in XX/XX/XXXX as a possible fraudulent account. After looking into it more I realized that the account in question was opened as a factoring company type account, something which I have never done before. Therefore, I decided to take steps to report my identity as being stolen most likely along with the fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2016 about Debt collection (I do not know) with I.C. System, Inc. (IN).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: COLLECTOR UNLAWFULLY PULLED MY XXXX CREDIT PROFILE ON XXXX/XXXX/2016, FAILED TO VALIDATE DEBT IN VIOLATION OF FCRA! ALSO, CALLED CELL, WORK AND OTHERS SKIP TRACING A DEBT I DO NOT OWE. I AM DEALING WITH ORIGINAL CREDITORS ON ALL DEBT. ( ATTACHED PLEASE FIND CELL AND OTHER DICOVERY )

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 09-10-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (KY).
Issue: Billing disputes

Complaint: Here is the story all over again, as I recall it, in early 2014, XXXX either made or partook in making me a Video DVD, but never got back with me to edit the DVD. What I wanted in this DVD was to have Pictures of Women 's shoes, of the actual items I was selling on my website. I DID NOT want Pictures of Women 's Shoes I was not going to sell on my websites. I have not used the DVD in anyway at all. Why should I to pay for services that I am not happy with? I am not happy with the service they have provided in the past and will not subject myself to such treatment in the future. I can not begin to tell how disappointed I am with this entire situation. I have tried to contact them numerous times and conveniently they are not available. I have verbally expressed my concerns and have requested a Full Request on several occasions. Agents have asserted that they will not return my money. This entire ordeal is sketchy! To date, I have yet to receive the product as described. I attempted to dispute this {$1000.00} dollar transaction with my credit card company, they simply refused to assist me. Please advise my credit card company under the Federal Truth in Lending Act ( TILA ) and Regulation Z, I have XXXX YEAR to file a non-billing error type dispute. Ever other credit card and debit card holder has refunded my money. This is simply a claim of service not as described which can still be disputed. Please help me advise the credit card company that for this purpose allow they should issue a refund promptly. I have already been through enough calls, emails, and irate conversations with the merchant. They should not be siding with the merchant, my credit card company should be on my side. PLEASE HELP US!

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2015 about Mortgage (FHA mortgage) with GUILD MORTGAGE COMPANY (GA).
Issue: Credit decision / Underwriting

Complaint: I WAS CHARGED TWICE FOR AN APPRAISAL THAT WAS ONLY DONE ONCE. MY MORTGAGE COMPANY WAS AWARE FOR THE CHARGES AND I WAS TOLD I'D GET MY MONEY BACK. I HAVE YET TO RECEIVE MY REFUND FOR $XXXX WHICH WAS FOR THE SECOND APPRAISIL CHARGE. NO ONE ANSWERS MY EMAILS OR PHONE CALLS. I HAVE ALL CONVERSATIONS WITH MY MORTGAGE BROKER SAVED IN MY EMAIL WITH HIM ACKNOWLEDGING THE FACT THAT I AM ENTITLED TO A REFUND. GUILD MORTGAGE IS THE COMPANY AND XXXX IS THE BROKER

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OR).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: Equifax is reporting a false credit score. They are reporting my score as XXXX ' even though all accounts listed show as on time and satisfactory. The other two credit agencies are reporting my score as XXXX. Equifax also will not provide me with my free credit report that I am entitled to by law, as I have just been denied a loan based off of the false information that has been published by their company. All attempts to contact via phone have resulted in being on hold for hours on end, being transferred ( even to 3rd parties that are not employees of Equifax who want to sell me their 'protection plans ' ) and eventually being hung up on when I demand to speak to their supervisor for resolution. All attempts to correct the issue on their website : www.equifax.com has resulted in error messages that read " We are unable to process your request ''. All attempts to make contact via email has resulted in either no response or out of office notifications, except for one response who provided me an email that again receives no response. I also received a phone number, but it was not an Equifax phone number, but again, a 3rd party who wanted to sell me their 'protection plan ' again. All I want is Equifax to report a legitimate score with correct information, an EQUIFAX employee in a position to assist to contact me, and the free credit report that I am entitled to by LAW.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-05-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SUNTRUST BANKS, INC. (FL).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I have a XXXX with SunTrust Bank. Their online payment system is very buggy at best and they refuse to even acknowledge that they have a problem. If it was an annoyance that would not be so bad but this is costing their customers a lot of money. The system either sometimes acknowledge an online payment but does n't actually submit it and sometimes refuses an online payment but actually take the payment. On XXXX XXXX, 2017 I attempted to make a payment of {$250.00} online and the system rejected it twice. I call customer Service for help but was told that they could my bank with the routing number. There was nothing wrong with my routing number. I called the next day ( XX/XX/XXXX ) and was able to make the payment and the representative told me that the other attempts were not successful. I talked to a supervisor ( XXXX ) and he confirmed that I was unable to make the payment on line. He insisted that there is nothing wrong with the bank online system. The next day I checked my account on line again and noticed three payments ( 2 on XX/XX/XXXX and 1 on XX/XX/XXXX ). I called SunTrust and was told by XXXX not to worry as their system shows only 1 payment made over the phone. When I checked my personal checking account however, it showed that SunTrust withdrew {$750.00} ( three times {$250.00} ) from my account. I called SunTrust back and asked to talk to XXXX the supervisor again but was told that he suddenly went on vacation. I talked to two other supervisors, XXXX, XXXX and one manager, XXXX and was told that the best the bank can do is issue a refund but I would have to wait at least ten business days. Now my other bills are in jeopardy of defaulted and SunTrust would not so much acknowledge that they have a problem. I understand that this bad system does n't affect the bank as they are able to collect late fees when their system fails and benefit from people having bad credit scores since they can charge higher rate, but I do n't think they should be allowed to defraud their customer like this. This is morally reprehensible and ultimately will be bad for business.

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 01/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I contacted the credit service Trans Union to let them know that there are a significant amount of inquiries that are reporting in my credit report. ( actually all 3 of them ) and has lowered my score by 2 to XXXX in points. i have contacted them to let them know that i have been victimized and they failed to comply with what i requested them to do, which was REMOVE ALL the inquiries off my 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 02-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: Today I got letter from Equifax about a dispute account : XXXX XXXX XXXX XXXX for XXXX that account show on my report they sent me today ( XX/XX/2018. The letter said we have reviewed your concerns and our conclusions are : The disputed account XXXX XXXX XXXX XXXX XXXX is currently not reporting on the Equifax credit file. 

How is that????

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2017 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (MO).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: THIS COMPANY IS LISTED ON MY CREDIT REPORTS. I HAVE ASKED FOR THIS DEBT TO BE VERIFIED FROM THE ORIGINAL CONTRACT BEARING MY SIGNATURE.PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES I DEMAND VERIFICATION. THIS DEBT IS LISTED AS A COLLECTION ON MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2017 about Debt collection (Auto) with ALLY FINANCIAL INC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Auto lease was entered into XX/XX/XXXX. Lease terminated XX/XX/XXXX. Communications about late payments and additional amounts due to creditor ( Ally Financial/GMAC Financial Services ) began XX/XX/XXXX. According to the Fair Credit Reporting Act, a negative credit item can remain on a credit report for 7 years FROM THE DATE OF FIRST DELINQUENCY. The first delinquency of this account occurred no later than XX/XX/XXXX. No additional commitments, payments, or communications took place on my behalf during any subsequent time. This creditor continues to report delinquency, collection, and charge-off to this day on Credit Bureau files. Under Section 623 ( a ) ( 5 ) of FCRA : A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on that account, which shall be the month and year of the commencement of delinquency on the account that immediately preceded the action. 
Therefore, I demand that Ally Financial be held accountable and remove this negative item from all credit reporting, dating back to XX/XX/XXXX. Thank you for your assistance in this matter.

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 05/19/2015 about Bank account or service ((CD) Certificate of deposit) with WELLS FARGO & COMPANY (PA).
Issue: Account opening, closing, or management

Complaint: I have an original certificate of deposit from XXXX XXXX and Loans. It was lost in my fathers safe for 30 years. The bank has since closed and the accounts are now being held by Wells Fargo. I went to my local Wells Fargo branch and received little help. I got the feeling that I was not acknowledged due to the potential pay out of a CD for {$6600.00} at 8.95 % after 30 years. Wells Fargo said that they researched it and could n't find anything on it. I told them it was not paid out as I still have the original certificate. I would like to be paid out for the certificate. The account number is XXXX XXXX and it was issued on XXXX. It is issued to XXXX XXXX in trust for XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Debt collection (Other debt) with Convergent Resources, Inc. (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Listed an account with XXXX on credit report with open date of XX/XX/XXXX XXXX  XX/XX/XXXX XXXX   and XXXX with balance of XXXX. This is in accurate information the company Convergent purchased the debt after it was discharged off report AND CHANGED the dates to put back on report as if just opened. I have contacted debt agency regarding this to no success. This is illegal to change the dates and amounts.

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 10/13/2016 about Mortgage (Other mortgage) with Ditech Financial LLC (CT).
Issue: Loan servicing, payments, escrow account

Complaint: PMI should automatically cancel when loan is under XXXX % loan to value. According to the original value and Ditech 's own calculations ( see attached ) my PMI should have terminated already. When you add the {$5000.00} HAMP incentive they are a year overdue in crediting I should be reimbursed for almost a years worth of PMI since I would have hit the XXXX % mark 12 months ago. I have another CFPB complaint in regarding the failure to credit my HAMP. In addition the company never responded to CFPB complaint XXXX in any meaningful way. On XXXX XXXX 2016 they closed it saying they would resolve it in 60 to 90 days which never happened. In addition, they negatively reported me to the credit bureaus in XXXX which is also a violation of Dodd Frank since they have an unanswered RESPA inquiry they have failed to address for over a year. How can you be late when the balance and payment information they send to you is incorrect? There are countless violations of Dodd Frank. I am tired of waiting for a reasonable response. My next step is consumer attorney. I have not even gotten into the illegal application of fees they transferred from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: Capital One is blocking me from using an external application to track my credit card purchases charges etc.

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, NC XXXX XXXX XX/XX/XXXX RE : Unauthorized Credit Inquiry Dear : TransUnion, I recently received a copy of my Credit Bureau Name credit report. The credit report showed a credit inquiry by the below listed companies that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. I have sent this letter via ConsumerFinance because I need your prompt response to this issue. 
XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am remiss, and you did have my authorization to inquire into my credit report, then please send me proof of this. 
Thank you for your help, 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 05-09-2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (CA).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: I applied for a QVC credit card issued by Synchrony Bank. I received a letter in the mail stating that I was denied because the " Credit Bureau Reports a Different Address on File '' I tried to contact Synchrony Bank to confirm that, in fact, the address I applied with is my correct address, but to no avail.

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 06-12-2017 about Checking or savings account (Other banking product or service) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: Amount {$68000.00} / Account  XXXX  / Ba nk No.   XXXX  /  BofA  Check #  XXXX ,  XXXX  : Bank of America,  N.A.   XXXX   XXXX , Texas, Payee : The  XXXX   XXXX   XXXX   XXXX , Notation : Dealer Reserve  XXXX   XXXX . When we first learned that our reserve funds were no longer on deposit in the  XXXX  bank, it would not tell us where the money was -- and it took us years to find it. Our corporation is a North Carolina corporation, yet we discovered  that BofA wrongly escheated our funds to the Texas Comptroller. Compounding this error is that BofA failed to include both our last known address and our federal tax ID number, information that the Texas Property Code requires that the Texas Comptroller receive with escheated funds. The Texas Comptroller requested the omitted information, and it w as refused. The  XXXX  bank would like for our funds to be returned to it, but the Texas  Comptroller refuses to do so. Early this month Texas Asst. Attorn ey General  XXXX   XXXX  asked BofA to provide her with the omitted information, and it again refused. The fact that adults would engage in thi  s Catch 22 situation is silly because BofA might be too big to fail, but it is not above the law of either the United States or the State of Texas. The obligation to return our reserve funds lies squarely and singularly with BofA, and we have every right to insist that it pay us our funds. Then it can deal with the Texas Comptroller in an effort to recover the funds that it sent there. We no longer want to be in the middle of this circus. We submit that BofA and the Texas Comptroller have enjoyed the interest-free use of our funds for much too long already, and now we want to receive payment of our funds.
If you wish, you may consider this complaint to also be a claim against DIF for deposits unquestionably owed by BofA to T  he  XXXX   XXXX   XXXX   XXXX , a North Carolina corporation, and which Bank of Americ a, N.A., has declined to pay on demand. We have no obligation to chase our funds cross-country as a result of BofA having committed multiple errors, nor ought we to have to pay a host of legal expenses to recover our funds after such errors and subsequent default by BofA. BofA has the first obligation to pay us, and FDIC shares that responsibility for our insured funds.      Thanking you in advance for your interest and assistance in this matter.

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 03/21/2018 about Student loan (Private student loan) with ECMC Group, Inc. (OH).
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint: I have been trying to get this student loan off of my credit it has been handled by multiple debt collectors XXXX / XXXX XXXX lastly loan servicer is ECMC upon asking the company multiple times. After many misleading phone calls these people would tell me that the loan is for my current school. I called my loan servicer which was XXXX   and ask them if I missed any payments and they said to be careful because there was scams out there so I assumed that this was a scam. The school that I am attending which I'm current on in payments is located in XXXX Ohio. Upon me threatening to call the Attorney General because I thought this was a scam they told me it was for a school called XXXX I have never attended the school XXXX in XXXX Florida. Not only have I submitted police reports I've submitted dispute letters I've submitted even my high school diploma proving that I did not go to the school and that this loan was made before I was a high-school graduate I did not give permission for this loan. I have also informed all credit bureaus and they're saying that they leave it up to the company that's debt collecting to investigate themselves and that's how they determine whether they remove the dead or not and I am not satisfied with that I have said over and over again that I am a victim of identity theft I have the paperwork to prove it

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation