milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-02-2015 about Student loan (Non-federal student loan) with ConServe (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I owe Conserve XXXX, from XXXX XXXX XXXX. I offered XXXX is the most that I can afford and asked them at least submit the request to XXXX, however they laughed and disregarded me. I work XXXX and it is illegal to not submit a consumers application to a lender in the even that they ask. I do not know what laws apply to protect me but I fell like they could at the least submit my request. I offered the, which is the only money I have. I am currently supporting my father who just lost his home and I feel really disrespected.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with GC Services Limited Partnership (CA).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: I have no idea what to check ..I paid GC services and they havnt callled XXXX court to release the hold on my license so I may go back to work. I paid them XX/XX/XXXX..they said 10 working days.It 's been passed that and I 'm still waiting.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: i usually pull my annual credit report around XXXX. when i went to pull in ocotber XXXX it stated i already had a free report done that year. i did pull XXXX earlier that year but i paid for it. i just tried to pull it again XXXX/XXXX/XXXX this year to make sure info was accurate due to me loosing my social security card and it stated i have already recieved it free this year. this is inaccurate.

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 04-01-2017 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Wells Fargo sent me a letter stating my escrow account has a shortage of {$680.00}. my payment now is {$800.00}. If I pay the shortage the new payment will be XXXX, a {$49.00} difference. If I do n't pay it, my payment will be {$910.00}. An increase of {$100.00}. this is not the first time this has happened. The same thing happened the second year after we bought the house. I have bought a house before this one and never had a problem like this. There was never more than a {$25.00} difference each year. I just feel that Wells Fargo is XXXX me around.

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 05-06-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I am writing in response Legal Item XXXX because I do not believe I owe what you say I owe. This is the first I 've heard from you, or any other company on this matter therefore, in accordance with the Fair Debt Collection Practices Act, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I respectfully request that you provide me with the following information : * ( 1 ) the amount of the debt ; * ( 2 ) the name of the creditor to whom the debt is owed ; * ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; * ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) Be advised that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. For instance, I know that : Finally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor so they are also aware of my dispute with this debt. Kindly also remove this item with immediate effect.

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 01/31/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX XXXX acct # XXXX i did not live at this address and did not have service at this property. 
I found out that my father who is now XXXX had used my social security for many things with out my consent or knowledge

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 Prepaid card (General purpose card) with NETSPEND CORPORATION (NV).
Issue: Unauthorized transactions/trans. issues

Complaint: I have been asking Netspend/XXXX Prepaid operated by XXXX for access to my transaction history. For days they have been saying the system is down, then they told me they can not give me access I have to go through my XXXX account, I did that, it directed me to call Netspend/XXXX Prepaid customer service so I did that, they keep sending me in circles and I still do not have access to my transactions. I started noticing that the balance I should have in my account does not match the balance in my account and wanted to see how long this has been going on so I can file a dispute, I ordered by transaction record dated back to XXXX 2015 and was told I have to pay a fee, I said fine. They told me it would be 48-72 hours to obtain it and it would be sent to my email. To date, there is nothing in my email, they still will not let me access my transaction records online, they told me I needed order the record again, so I asked for it again, they are telling me another 24-48 hours now. I have totaled approximately {$300.00} missing from my account and I ca n't see if that is accurate or not because they will not give me access or the proper documents I need. This is not right.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Allied Interstate LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I reported this on XXXX/XXXX/2016. I checked the status of my case and it says that it is closed with non-monetary relief. The problem is, they are still calling every weekday and multiple times. If it is closed, then why are they making multiple calls?

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 11/17/2015 about Credit reporting () with EQUIFAX, INC. (NV).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I sent Equifax a request to remove a Tax Lien from my credit report. The Tax Lien has been withdrawn by the IRS. I forwarded all documents to Equifax to document my request but they still did not remove it from my credit report. I need to have this item removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2017 about Debt collection (I do not know) with Chaplain Financial Services LLC (MI).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: I finally spoke to a very rude, unprofessional person from what she says to be XXXX XXXX, collecting for XXXX XXXX. This company has called my cell phone, my mothers cell phone and my husbands cell phone, all of which messages were left. Today she also threatened to sue my son and two other people who she claims are related to me that I have never heard of and told me to 'drop my attitude '. They claim a debt from XX/XX/XXXXunder my previous married name that I have not had used since XX/XX/XXXX, so it 's actually impossible to have incurred a debt under that name in XX/XX/XXXX. They call continuously, and as of today, I will be recording these calls. They have also repeatedly threatened to contact my employer and to serve them as well. The return number that they leave is XXXX. When I call that number I also get a rude female who said 'are you XXXX me ' then 'goodbye ' and hung up. Today the call came from XXXX which does not accept calls. Two days ago it came from XXXX which is not in service, I continue to block, and the calls keep coming from different local exchanges. I 'm sure I have them all in my phone, but would have to search every incoming call to figure out which ones are them. As of now, I will start keeping a log of each call and number.

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2015 about Mortgage (Conventional fixed mortgage) with Shellpoint Partners, LLC (NV).
Issue: Loan servicing, payments, escrow account

Complaint: Shellpoint Mortgage Servicing has failed to send statements/bill notices on XXXX occasions, once in XX/XX/XXXX, and again for XX/XX/XXXX. They are unavailable for contact by telephone, and have the usual convoluted call director that ends up on a " forever '' hold. They do n't accept online payments. It is my suspicion they are trying to set up some additional fees by charging for late payments. We had a similar problem prior to our HARP II refinance with XXXX Mortgage.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with UNITED SERVICES AUTOMOBILE ASSOCIATION (PA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: On XX/XX/XXXX and XX/XX/XXXXmy card identity was stolen and used for two charges of over {$3000.00} through XXXX. I informed the credit card that I did not authorize these charges. 

They took care of one charge but the other one they are claiming I authorized through XXXX. 

I sent them my XXXX account which is a business record and 100 % shows that I did not make these purchases. And have never made big purchases with my credit card or XXXX. 

Depsite this, they informed me through e-mail that they had proof from the XXXX XXXX that I authorized the card and were going to make me pay for the charge stemming from this " proof ''. Noteworthy, they did not send me anything through the mail just a link on their website. When I attempted to look on the website for this so called " proof '' all I got was " error ''. 

The Credit Card Company is USAA XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2017 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (DE).
Issue: Account opening, closing, or management

Complaint: I tried to apply a checking account in TD bank online, but it was said that TD can not find my public record. I have checking and saving accounts with other major banks for many years and I am sure the information I input for application is correct. Therefore, I think it does n't make any sense that TD can not find my public record.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: On XX/XX/2016 I sent out two separate letters to XXXX XXXX XXXX, they have XXXX separate accounts listed on my credit report stating that I allegedly owe {$370.00}. I disputed these matters with them and never heard a word from them with proof of ownership of mine for these accounts. They have still to this day yet to furnish proof of me owning this debt. They are way past the 30 day reporting timeframe and have broken the law.

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 02/28/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit Protection Association, L.P. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: RE : Credit Protection Association account number XXXX I recently obtained a copy of my XXXX credit report and noticed a collection reported by C.P.A., regarding a {$390.00} ( or an original amount of {$490.00} ) bill to XXXX, from XX/XX/2013. 

In XX/XX/2013 I moved to a new home and made sure the equipment of theirs was returned. The bill was paid in full and as I said, ALL the equipment was returned back to them. 

I disputed the information appearing on my credit history to C.P.A. twice ( on XX/XX/XXXX and XX/XX/XXXX ), but C.P.A. informed the credit bureaus that they had verified this debt as accurate ; verified with who? Based on my recent conversation with XXXX they did n't verify anything with C.P.A. 

I do not owe XXXX any further money ; I ask that C.P.A. remove this collection tradeline from any credit reporting bureau it may be reporting it to ASAP.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: This is in reference to the hack of Equifax on XXXX and Equifax improperly securing critical identify information, where over a hundred million people may be affected. 

Furthermore, after taking manual steps to analyze and verify my credit information, I am unable to retrieve my credit report from Equifax through the government-mandated XXXX website.

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2016 about Debt collection (Medical) with Designed Receivable Solultions, Inc. (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I received a " Letters Of Dismissal '' from the " Office Of XXXX XXXX XXXX XXXX, Administrative Law Judge '' dated XXXX XXXX, 2015, telling me that charges by " XXXX XXXX XXXX And XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) for the doctors charges ( {$24.00} ) and the hospital charge ( {$150.00} ) had been dismissed by a Administrative Law Judge ( XXXX ) and the original debtor, XXXX XXXX XXXX XXXX XXXX XXXX, that they agreed not to pursue any payments from me. The collection company, '' Designed Receivables Solutions, INC '' I, refuses to acknowledge this and will not take this debt off my credit report to the XXXX major credit reporting agencies ( XXXX, XXXX, XXXX ) I filed a complaint with XXXX and XXXX. They ( the collection company ) did have the collection debt removed from XXXX, but not with the other XXXX credit reporting agencies ( XXXX and XXXX ). I sent them a letter with copies of the dismissal letters and a copy of the their bill asking them to stop calling me and take this collection debt off my credit report, on XX/XX/XXXX.They have n't done so, as of this date XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (FL).
Issue: Other transaction problem

Complaint: I opened an account with coinbase and easily set up my debit card to deposit funds but when I went to withdraw funds I was instructed to link my bank account for withdrawal.s. I did as insructed and waited for verification deposits. Received them 5 days later yet the account is still not verified and funds can not be withdrawn.

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2016 about Debt collection (I do not know) with Radius Global Solutions LLC (PA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I began receiving phone calls XXXX days ago Caller Id states XXXX or unknown No one leaves a message on my voice mail so I looked up the number on the internet and it is id 'd as a cell phone I called the number and they claim they are Central Credit Services which are located in XXXX Today the phone rings and they ask me to verify my social security number to them which I refuse to do. They then say they are collecting on a Loan I owe to XXXX. Over 15 years ago I had a loan with XXXX XXXX who became XXXX. After paying off XXXX of the loan XXXX told me I could get a deferment They charged me {$20.00} to put my payments on the end of the loan and after three months claimed I was in default The loan was never payed off. I tell Central Credit Services " Why do n't you sue me? '' their reps reply is they ca n't because they do not own the loan. " Well '' then I ask " why would I pay you for it? '' She answers " because I work for XXXX '' I reply " you just told me you work for Central Credit Services! '' The rep tells me to hold on and a man gets on trying to be more forceful.He also tries to get me to verify my private info. I ask him to stop calling me with no caller id and leaving no messages on my answering machine. He replies he does n't have to stop and it is not against the law. I told him it is harassment and I will report him. I then hung up.

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 04/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Alco Collections, Inc. (LA).
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint: Alco Collections, is out of business according to the original deptor.. I have paid the original deptor.. The Alco collections refuses to release my balance from the collection agency.. They never answer the phone and are no longer in business.. They are only keep saying i owe the dept, to the collection agency

Company response to consumer: Closed
Consumer complaint received 06/18/2017 about Checking or savings account (Other banking product or service) with MUFG UNION BANK, NATIONAL ASSOCIATION (NV).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: See original complaint  XXXX  about MUFG UNION BANK , NATIONAL ASSOCIATION.     The company respond ed with a letter advising me to go to the California State Controller 's Office Website for mor e information about the escheatment process.     I told them this was unacceptable, on  XXXX / XXXX / 17 , and they have not responded.

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 03-07-2017 about Credit card () with TD BANK US HOLDING COMPANY (FL).
Issue: Delinquent account

Complaint: In 2016 while making a purchase at Target I was asked if I wanted to apply for a Target card to receive 5 % off my {$28.00} purchase. I agreed, I apply and I was approved for a Target Store Card. Weeks passed and I never received my Target card, and frankly I forgot about my {$28.00} purchase. Months later I am contacted by Target Card Services and told that my account is in collections for over {$130.00}. I am told that the balance is a result of my initial {$28.00} purchase plus late fees and interest. We discover during the conversation that Target Card Service had my address incorrect. I appears that the Target representative who I handed my drivers license to when I made my {$28.00} purchase, incorrectly entered my address into the Target Card system. Subsequently, Target Card Services sent my Target Card and statements to the wrong address. I updated my address with Target Card Service and quickly agreed to pay the initial purchase amount of about {$28.00}. However, I refused to pay the late fee and interest since Target Card Service incorrectly captured my address and failed to send me the card or statement balance. Target Card Service acknowledged that they incorrectly entered my address at the time the Target Card application was taken but they have taken a very hard stance on the late fees and interest, and have refused to remove them from the account, even though they acknowledge their error. Now they are attempting to collect the outstanding {$100.00} and have report it to my credit report resulting in my credit score dropping from XXXX to XXXX. I think it is grossly unfair for Target Card Services to acknowledge they captured the wrong address, sent my new Target Card to the wrong address and continued to send my Target Card statements to the wrong address and then attempt to collect {$100.00} in fee and interest. As soon as Target Card Services contacted me, I paid the initial purchase by phone to them.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 about Debt collection (Mortgage debt) with Professional Debt Mediation, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have contacted professional debt mediation several times concerning a debt in the amount of {$1000.00} that is not owed to  XXXX   XXXX . This debt was paid on  XXXX   XXXX ,  2016 . I have provided all the proof required via email to both PDM and  XXXX   XXXX , but both companies refuses to take action and cancel out the debt.

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