milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-09-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (OR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I signed up with XXXX XXXX XXXX for internet & TV service in XXXX, Oregon. My bill was never correct despite many calls to customer service. I finally gave up. I cancelled my service, disconnected it, and made payment for my final months of service at the rate I originally contracted. 

With my final payment I included a letter detailing the problem, my calculations, and that this was a final payment for the unpaid portion of my account at the contracted rate. XXXX accepted the check in XXXX 2015 and never commented on my letter. 

In XXXX I was contacted by Convergent Outsourcing, a debt collection service working on behalf of XXXX. I disputed the charge, which Convergent " verified '' by providing a copy of a XXXX bill. I sent Convergent a cease and desist letter along with proof that the debt was invalid -- which was a copy of the final letter I had sent to XXXX and a copy of the check. 

Convergent contacted me again on XXXX XXXX, ignoring my cease and desist letter, with an identical " we 've verified this debt is valid '' letter. 

XXXX 's billing practices are predatory and Convergent Outsourcing, its debt collection service, ignores proof that the debt they are trying to collect is invalid and ignores consumer demands to break off contact. 

Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2015 about Credit reporting () with EQUIFAX, INC. (HI).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX this is online school. i did not provide my social security number to this school when i registered online.. i do n't know why they have my all information. this school send me to the third company XXXX XXXX XXXX XXXX XXXX. i have already talk to them i need close my account. and it show me on the credit report .They keep billing me all the time. I stopped paying them my hard working money, and wasting my time since i went to university.

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX County which is the enforcing entity for XXXX where a child support order originates is also reporting on my credit for the same child support account. This is giving me XXXX negative account reporting on my credit report for the same account. I have contacted both the credit report agencies, and child support. XXXX continues to report duplicating XXXX reporting. And oh, there both reporting incorrect information despite my attempts to correct the accounts with the accounts. 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 03/16/2016 about Debt collection (I do not know) with Receivables Performance Management, LLC (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I dont know them. They keep calling non stop.

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 02-11-2018 about Debt collection (Medical debt) with Commonwealth Financial Systems, Inc. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Commonwealth financial does not have a license to collect in the state of Florida. I have sent a letter of validation that I may or may owe any debt to the company commonwealth financial. Commonwealth has failed to validate any information that includes my signature when this debt became payable or any other requests that I have asked. I also feel that commonwealth financial might also be in HIPPA violation being that this is a medical bill that I may or may not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On XXXX/XXXX/2017 a request for my credit was made by capital one bank. This is an inquiry on my credit report that needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2015 about Debt collection (Credit card) with Federated Capital Corporation (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Was made aware of a Writ of Garnishment on all financial accounts with my SS # tied to, that are legally exempt from garnishment by a law firm called XXXX XXXX. After contacting them, it 's in regards to a judgement that was issued by falsified documents, improper service, and no evidence that I was even the account owner. I was never made aware of a judgment and they have done everything they could to hide documents so I would n't know all the details. I was able to get into the courts records of the case against me and was able to find these improper documents they used as " evidence '' against me without my knowledge. The account that they used in an attempt to extort money from me illegally, was a charge off by XXXX bank back XX/XX/XXXX. According to this, the first delinquency would have to have been nearly a year prior to that. Even with that date, this account would have been considered " time-barred '' and a legal suit against me could not happen. Hence why they tried to circumvent Texas law, where I have lived my whole life. I have all the court documents pertaining to this issue now. I received notice XX/XX/XXXX a hearing XX/XX/XXXX to object to the garnishment and I 'm having difficulty getting a court clerk to call me back to set up a telephone conference seeing that I do n't live in Utah and do n't have the ability to appear in person. I 'm actively trying to find a way to have this judgement set aside now, but my funds are limited and the time constraints in my response are short before my protected funds are handed over to these crooks permanently. They only took about {$1000.00} all together, but over {$800.00} of it was from my XXXX daughters account. Because of Texas law, I had to be listed on her account because she is a minor. I 've taken steps to protect her from future issues that may arise, but she deserves to get her hard earned money back. We just do n't have the money available to us for legal counsel. I 've also done research on Federated Capital Corp and there is a website that specifically addresses my exact issue and this is a common practice with them. Also, the attorney 's in question, keep changing who they are affiliated with. One day its XXXX XXXX, the next it 's Federated, and then yesterday I find out that their email addresses are XXXX XXXX. How is this legal and who are they really? According to Texas XXXX XXXX, this would n't be acceptable and is highly suspicious and unlawful. I 'm just hoping that someone will come in and speak up for all of their victims and do something about this. I 've currently filed a identity theft report with my local law enforcement agency, # XXXX ( has n't been made available to attach yet XXXX, and I 've filed a complaint the the Texas Attorney General office as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-04-2017 about Vehicle loan or lease (Lease) with ALLY FINANCIAL INC. (MA).
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint: Account # XXXX Ally Bank XXXX XXXX XXXX was turned in early on XXXX/XXXX/XXXX with a full maturity date of XX/XX/XXXX1. ) dropped off and filled out lease retun with XXXX XXXX in XXXX, MA. Dealer never returned paperwork to Ally. I provided copies to Ally 3 weeks later after calling 2. ) I  received a final bill for wear/tear inspection on XX/XX/XXXX for {$310.00}. I paid on XX/XX/XXXX and was cashed on XX/XX/XXXX. Check # XXXX 3. ) I purchased a new lease and the dealer ( XXXX XXXX XXXX, Associate name XXXX ) and the return debt for the XXXX lease was {$2000.00}. This was confirmed with both myself and new sales man. 
4. ) I have reached out to Ally on three occasions asking to settle and finalize the {$2000.00}. XXXX. They all state account is closed nothing owed. 
5. ) On XX/XX/XXXX I received a credit alert impacting my credit from Ally Bank for a debt of {$3000.00}. 
6. ) the amount is incorrect on all accords and the company states I owe XXXX. Nobody can resolve and my excellent credit has now been tarnished

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 01-06-2016 about Credit card () with DISCOVER BANK (NJ).
Issue: Other

Complaint: During the months of XX/XX/XXXX and XX/XX/2015, {$720.00} in cash advances were made via XXXX XXXX, with my Discover card. I was charged {$10.00} per transaction making the total XXXX. These transactions were made nine times. These were not authorized by me. 
I am set up for fraud alerts but I was not alerted to what was happening and so I was unable to stop the transactions. But for their failure to provide fraud protection as promised I would not have this charge on my account. 
If these suspicious transactions do not trigger a fraud alert, then what does. 
I have written to the company many, many times and have not received one written reply. 
Curiously, when I signed up on XXXX I got a fraud alert! That 's so funny! So I called them and while I had them on the phone I asked about the cash advances and they said that since my son made them that they are not liable. I was shocked. My son was not authorized to make those advances. What gives them the right to say that he is authorized to do so? 
In any case, their fraud alert did not work as promised. I should n't have to pay the fraudulent charges. Thank-you. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I am requesting that TransUnion immediately delete the address listed on my credit file as reported and previously listed on the TransUnion Credit File : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX. DATE REPORTED : XXXX/XXXX/2015

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-01-2016 about Credit card () with Experian Information Solutions Inc. (MO).
Issue: Customer service / Customer relations

Complaint: XXXX - A company saying they could sell my time-share condo got me to give them my credit card number saying they would not charge it until I gave permission. They did charge it and I got suspicious so I did more in-depth searching on this company and found they had so many scams. I filed a dispute with XXXX BEFORE THEY PAID THE COMPANY, but XXXX paid the company anyway against my wishes. XXXX submitted this to all XXXX major credit reporting agencies in XXXX 1999 and have not removed it from 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 06-10-2015 about Bank account or service (Checking account) with BB&T CORPORATION (GA).
Issue: Deposits and withdrawals

Complaint: When we opened our account, we were told by the branch manager that the XXXX {$100.00} of each check deposit into our business account would be made available the same day. We made XXXX separate deposits at the same time and was able to log in online to see that we indeed had XXXX, {$100.00} hundred dollar pending transactions. Overnight, BB & T reveresed XXXX of the {$100.00} deposits charging us overdraft fees. This occurred on XXXX/XXXX/15. If the bank actually receives and deposit clears the same day, then the funds should also post the same day. Check XXXX should work both ways and for the consumer and not just against the consumer. 

BB & T back dates deposits creating confusion. For instance, if I make a deposit on XXXX/XXXX/15 for {$500.00} but only the XXXX {$100.00} is made available that day, then both online and the statement should read deposit of {$100.00} on XXXX/XXXX/15 and {$400.00} on XXXX/XXXX/15. We believe that deposits are actually cleared and posted on the same day but not credited.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2016 about Payday loan () with NORTHWAY BROKER LTD. (AZ).
Issue: Can't contact lender

Complaint: Hello, in about XXXX or XXXX I had received a payday loan from 247 green street which I believe I paid off just not in a timely manner. I also received a pay day loan from Greenstreet Payday loan. I 've been going through some financial hardships in the past few years due to a horrible relationship. Although I placed greenstreet payday loan on my bankruptcy. I 'm unable to get another pay day loan. And due to recent issues that have a risen once again that would benefit me greatly. I hope you can help me with this. Thank you very much.

Company response to consumer: Untimely response
Consumer complaint received 10/15/2015 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Loan modification,collection,foreclosure

Complaint: My wife and I were contacted by Bank of America about a home equity line of credit we have on a rental property where I have my counseling office that is due to expire XX/XX/XXXX. We currently pay {$270.00} per month on a fixed rate of 3.25 %. BOA estimated that our payments can go to {$1100.00} per month for 120 months. When i contacted them I was sent to their debt collector department and treated as such. When I ask them what we can possibly qualify for they stated that most likely we will be turned down and the best thing to do is wait till next XXXX when the loan goes up. Again this is a rental property with other business tenants besides me we ca n't wait and increasing rent in our rental market is not an option. We may have to attempt to sell the building. I would like to be able to speak to someone at BOA that can actually assist us .Also when I asked them what the formula is for qualifying they stated they can not release that information because customers will use it to fudge their application.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2016 about Debt collection (I do not know) with Focus Holding Company (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Focus Receivables Management has been calling me every day for the past 8 months. When i answer half the time i get either a rude response and then they hang up, or they just hang up as soon as i answer. No matter what time i have called them back when they leave voicemails it never goes through or always goes to voicemail. I 'm to the point of worry every time the phone rings at this point, It 's harassment at this point.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2016 about Credit card () with REGIONS FINANCIAL CORPORATION (FL).
Issue: Billing statement

Complaint: I have not been consistently receiving my credit card statements from Regions Bank. I have received the following statements in 2016 : XXXX XXXX 2016, XXXX 2016, XXXX 2016, XXXX 2016. The only time I have received statements after the XXXX 2016 statement is when I called Regions to complain. I would get the next months statement and then no statements after until I called. Regions continually said they were mailed to my current address and verified with me my address. Finally someone at Regions ( XXXX XXXX ) discovered my statements were being mailed to an address I used a long time ago. In fact I have moved twice since using that address. The problem was in Regions system as I had not authorized that my statements go back to that address. I also can not sign up to view my account online as Regions has a problem with the online system. The online system will not let credit card only customers to sign up for an account. My identity could be potentially compromised due to Regions error in sending my statements to a wrong address. Also I think Regions should refund me any late fees for the months I did not receive a statement and provide me a copy of all of my 2016 statements and where they were mailed too.

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 04/26/2016 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I submitted for assistance for a HAMP modification about while I was with XXXX, XXXX XXXX XXXX and now Carrington Mortgage. After many years I finally received an FHA Modification in XX/XX/XXXX. The payment was still high. I was advised that I could appeal which I did, and then after I requested the appeal I was advised that I had to reapply, this was in XX/XX/XXXX. I thought that perhaps I would be able to make a payment, but it truly was going to be a hardship, so I began submitting documents as of XXXX XXXX, XXXX. I sent all of the documents as per the checklist, RMA, TAX returns XXXX and XXXX, XXXX, paystubs, bank statements, Interspousal Transfer, etc. Then when my representative called she was advised that we needed to fill out a new XXXX and check off a little box near my signature. Now today, XXXX from Carrington Mortgage advised that they had received all of my documents but that I needed the documents from XXXX, my ex-wife, when all along I advised that we were separated. Now I am told that I also need an assumption letter ; that I need to fill out a form to have XXXX sign as well to a research center for the bank, and that I would receive the documents so that I could assume the loan. My representative asked the Carrington representative why we were not advised back in XX/XX/XXXX if this new item was added to the list of documents. ( Please see the checklist attached-no where in the list does this requirement appear ). She apologized and continued by adding that FHA can only postpone a trustee sale if documents are completed within 37 days. I now have a Trustee Sale on XXXX XXXX. I waited over 5 years for a modification only to lose my home as a result of faulty information I am receiving. I was not given accurate information by the Carrington representatives. I am told that I can stop the sale by XXXX of XXXX actions : File Bankruptcy, Pay the arrears plus attorneys fees, or be in a disaster area. It seems that the representatives time after time, gave us piece mail information. I am at the risk of losing my home because I was not given the proper information. It seems the banks are doing this to have the homeowners give up. I need the assistance of the CFPB to assist. I feel the representatives at the bank were negligent in advising what really were the proper documents. I am not even given the opportunity of time to have the review nor sell he property via HAFA short sale. Please help me and my family not lose our home via foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Debt collection (I do not know) with Resurgent Capital Services L.P. (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: It came to my attention that XXXX reported that I owe them an account # XXXX in my credit report. XXXX has previously settled with me out of court and paid me an amount of {$500.00} for FDCPA violation and agreed to remove any error and inaccurate accounts reported in my consumer credit report agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-02-2016 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Improper use of my credit report
Sub-issue: Report shared with employer w/o consent

Complaint: After checkichecking my credit report i have several hard inquires that i did not make ... .there was XXXX that i authorized ... ... .all others were not authorized by me ... ... .what can i do to have these inquires removed and what can i do to find out why these hard inquires were pulled on my credit ... ... .who authorized these????

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 05-12-2015 about Debt collection (Credit card) with TD BANK US HOLDING COMPANY (MO).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: XXXX XXXX, 2015 sent a letter requesting this debt to be validated and noted on my credit report. This has not been validated not noted on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Payday loan, title loan, or personal loan (Personal line of credit) with FIRST TENNESSEE BANK NATIONAL ASSOCIATION (AZ).
Issue: Problem with the payoff process at the end of the loan

Complaint: Home equity line of credit.   XXXX   paid off balance in full asked them to close account.   XXXX   received bill statement with " purchase  XXXX  '' and "   XXXX    cash advance finance charge '' did not use account and had believed it was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2015 about Credit card () with AMERICAN EXPRESS COMPANY (FL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: American Express states that I have an account with them that was opened in XX/XX/XXXX. I have no such account. They also state that the account has not been paid and was Charged Off. All XXXX credit reporting agencies have this account as a Charge Off and only have five months of activity in XX/XX/XXXX. This account is not mine and has been disputed with all XXXX credit reporting agencies and American Express. Nothing has been done about it. I have asked for proof and they have not provided anything to support this account. I am all prepared to file legal action. The amount that they state is owed is less than an attorney will cost. I am filing this complaint because the account is not mine. I have told American Express that if they want me to pay the account than they need to send me an active credit card and put this account in good standings. They have ignored any and all communications that I have had with them over the last several years. Please Help.

Company response to consumer: Closed with non-monetary relief