milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/15/2017 about Debt collection (Other debt) with Performant Financial Corporation (IL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: XXXX sent an account to XXXX XXXX for account I have no knowledge of incurring. I contacted them twice once on XXXX XXXX and a second time on XXXX XXXX to get information with regards to this debt, but they are unable to supply me with any information with regards to debt and has offered no resolution other than contact collection agency. This charge has been reported to credit report agencies, which in turn has affected my ability to get credit.

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 01/16/2016 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (CO).
Issue: Deposits and withdrawals

Complaint: I deposited a check into a XXXX Atm. For the last two days when I logged in the hole was scheduled to release on XX/XX/XXXX. On XX/XX/XXXX, XXXX changed the hold to XX/XX/XXXX. When I called to find out why a Sr.Rep lied and said the check would n't clear until XX/XX/XXXX. The check is from an employer insurance plan and I had already spoke to them and thy said there was no issue with the check. The rep lied to justify changing the hold date of funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I sent a dispute letter to Synchrony Bank on XX/XX/XXXX regarding a XXXX 's credit card account that they are reporting incorrect information on. By law, they have to respond in 30 days or delete the item in question off of my credit report. They did not respond. I called on XXXX XXXX and requested that they delete the item but they refused. They said they never received my first letter and I would have to mail another one. Every time I call I am told that Synchrony Bank no longer handles XXXX 's accounts as of XXXX so they do not have any information on me and can not help me. I have to argue with them for 10-15 minutes and remind them that they are the ones reporting all of this incorrect information to the credit bureaus and then all of a sudden all of my information magically appears in their system. They can not provide me any details about my account, they say they do not have any information other than showing a past due balance from XXXX. I paid that balance in XXXX ( {$620.00} ) so this account needs to be deleted from all three credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2016 about Debt collection (Credit card) with American Coradius International LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Correspondence dated XXXX XXXX, 2016 documents an attempt to collect {$440.00} which they state is owed to XXXX. A telephone conversation with a XXXX representative indicated that my XXXX account balance this morning is {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: We have these individual who used our Business Checking Account for his personal use to pay his credit card. It tremendously affect our business operations and mess the owner 's credit score because of this fraud issue. We have filed police report for this identity and grand theft. Please see attached report.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Student loan (Federal student loan servicing) with SOUTH CAROLINA STUDENT LOAN CORP. (SC).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: In XX/XX/XXXX, I began to inquire about loan forgiveness. Not once did anyone inform me of T he PSLF Program. The only program I was told about was the XXXX XXXX Forgiveness Lrogram. Well, I applied only to be told I didn't/do n't qualify due to the original date of my loan. Of course, I tried more than once both on paper and by phone, but not once did anyone tell me about The PSLF Program. It was not until XX/XX/XXXX that a representative informed me of The PSLF Program. I immediately completed my paperwork to consolidate my loans to take advantage of loan forgiveness. At the time, I did not know the program was introduced in XX/XX/XXXX, eight years prior. I often think about how I could be nearing the end of my 120 payments, and I get upset. I have since voiced my concerns with XXXX XXXX XXXX, and the rep told me many servicers were not well versed with the subject. I do not feel I should have to suffer due to misinformed or uninformed customer service reps. I have not contacted the original servicer, SC Student Loan Corporation, but I will. Also, any assistance that can be provided will be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2016 about Debt collection (I do not know) with D&A Services, LLC (IN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Received XXXX calls from D & A Services LLC with messages to call regarding a debt. I called, thinking this may have to do with an identity theft issue that I suffered in XXXX. However, after calling and providing my cell number ( which was the number the collection agency called ) the agent asked if I was XXXX XXXX. I advised that I was not and they obviously had the wrong telephone number on file if that was the individual they were looking for.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 about Debt collection (Medical debt) with Credit Systems International, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX XXXX CLAIMS I OWE A {$39.00} DEBT Date Date Created : XX/XX/2014 Date Debt/Collection : XX/XX/2014 Amount of Debt : {$39.00} I am told by this Debt Collection Company that this Debt is in favor of XXXX XXXX XXXX XXXX. I'm not sure how this debt was created but this debt was not created by me. I have been a victim if identity theft and this is not my debt. I have lived in XXXX for the last XXXX. 

I ask that XXXX XXXX XXXX release this debt and clear my name

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: An account with XXXX was opened in my name in XXXX. The last negative activity was XXXX. I did not open this account. I have spoken with they fraud department numerous times and they have told me I can " dispute the account '' with no resolution each time. They sent me paperwork in XXXX which I filled out and sent back. I thought it had been removed. They now tell me they have no way to see if they ever received that paperwork. I am now purchasing a home and had about to lose my home as this account is reporting XXXX times on my report and affecting my credit score by XXXX points! The original account had XXXX names on it. Mine and someone else. The XXXX collection on my credit report is with both names. The XXXX collection on my account is in my name only. They have told me they would not provide me with any documentation. They told me the only thing they would do is request documentation and they may get something, they may not within 90 days at the earliest. They will not give me the names or even the account number or anything. I have requested verification over XXXX times over the past 7 years and they refuse to give me any information. I have also disputed this account on numerous times over the past 6 years. They are reporting on each of my credit bureaus 2 times, once as XXXX, once as their in-house collection division called Asset Acceptance. They are reporting as a paid charge off, paid collection, charge off and collection.They are very rude every time I speak with them and keep sending me bills for the account and calling repetitively about the amount due yet will not help in verifying the account, sending me any documentation, or anything. I am in escrow in a home now and am about to lose my home as I had no idea this fraudulent account is still reporting numerous times on my credit report. I have attached the documentation showing all the different ways it is reporting on my report as well as the documentation from the credit bureaus showing how much it is affecting my score.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen Financial Services foreclose on my property in 2013 they claim that the offer was not accepted but they never process the application. Ocwen mismanaged alone and it 's not reporting on my credit as late, as pending and that 's foreclosed I have not been able to reach a settlement with Ocwen as they are unable to prove or provide documentation as to why the sale was not accepted.

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2017 about Checking or savings account (Checking account) with SUNTRUST BANKS, INC. (OH).
Issue: Closing an account
Sub-issue: Can't close your account

Complaint: They will not let me close my bank account. 
I tried closing it on the phone just now but can not reach a customer representative. 

I just sent a message on the website but I have no idea how that will work out.

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 07/25/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX TransUnion LLC XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX Dear Sir or Madam : I am writing to dispute the following information in my credit report. These items I 'm disputing also are listed bellowed. As well I have attached copy of my credit report reporting so that you could see the account information individually. 

This item I 'm disputing are student loan that have appear on my credit and they are not mine. I have file several complain to CFPB each account sparely. In addition I had file several complain to Ombudsman directly and the respond was my entire Loan are paid in full there are no other loan from any of the other agency pending. The answer is the account is not there 's. What you are reporting is inaccurate or incomplete. I am requesting that the item be deleted and to correct the information. 

Enclosed are copies of enclosed documentation, such as Letters supporting my position. Please reinvestigate this these matters and ( delete or correct ) the disputed item ( s ) as soon as possible. I have attached copy of all the correspondence regarding this issued. 

( 1 ) A copy of my credit report on each account for XX/XX/XXXX ( 2 ) Letter from Dept of Education XXXX Discharge XX/XX/XXXX ( 3 ) Letter from XXXX XXXX/XXXX/XXXX FFEL Teach Loan Discharge ( 4 ) Letter from XXXX XXXX/XXXX/XXXX Federal Perkins Discharge ( 5 ) Letter from my Attorney in XXXX/XXXX/XXXX ( 6 ) Complain report from CFPB ( XXXX ) Correspondence from Dept of Education ( 8 ) Correspondence from XXXX Unfortunately these institutions have not provided me with accurate information. In addition the XXXX XXXX took this entire loans with out my consent. They lied they said it was scholarship not needed to be repaid. 

What I do n't understand if I submitted all the documentation that was request of me for the XXXX on time in XX/XX/XXXX. Why I 'm dealing with this nightmare still 8 years letter. 

Furthermore XXXX was able to process my application plus report to the Credit Bureau that Loans were paid as agreed close. Why do the other agencies report I was UN default? Along with loans benign open send to collection and late. Why are they still open it should be close? In addition it has been 8 years seen this Loan were reported to the Credit Bureau. And how many centuries do they need to solve these problems. 

To solve the problem, I will appreciate your clarification and explanation on every single loan that appear on my credit report. My Understanding was that XXXX took XXXX loans and the Dept of XXXX Paid and clea

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 01-10-2017 about Debt collection (I do not know) with ERC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I continually get phone calls from a collection company that does not leave a message but calls almost daily. We once called them to tell them who we are and that XXXX have no unpaid debts and still get calls at all hours.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed
Consumer complaint received 09/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Problem with fraud alerts or security freezes

Complaint: I tried to contact Transunion to place a security freeze and lock both my credit report and credit score. I do n't want any financial institution or any creditor or any person or entity to be able to check my credit report or credit score. Transunion did n't respond to me. Please lock and place a freeze on my credit report and credit score.

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 04-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: On XX/XX/XXXX, I sent a letter to the credit bureaus asking XXXX and Trans Union to correct errors on my credit report. Almost 60 days have passed, and I have not received a response yet.

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 01/15/2016 about Consumer Loan (Vehicle loan) with CONSUMER PORTFOLIO SERVICES, INC. (NC).
Issue: Problems when you are unable to pay

Complaint: I am receiving 2-3 call a day from various numbers but they will only leave one message. I am receiving calls as early as XXXX estate on Saturdays and Sundays. They call a friend and my son repeatedly throughout the day and gave them information about my payment being late and the amount due. I spoke with the customer rep and requested that they not call my job and they continued. I saw the number on caller ID and answered and requested for the number to be removed. I am no longer with the company and I was informed by a former colleagues they are still calling. I know I am delinquent but it appears that the interest has immensely increased.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Transunion has ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA - you are required to " ... promptly delete all information which can not be verified. ''

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2015 about Credit card () with AMERICAN EXPRESS COMPANY (FL).
Issue: Advertising and marketing

Complaint: I received a special invitation to apply for a platinum card ( American Express ) and applied online. I have a freeze on my credit and had to call to complete my application and spoke to a supervisor and he assured me that I would receive the miles promised in the invitation.The terms were for {$450.00} a year and I would get XXXX miles after spending a certain amount. After I reached that amt. I chatted online with a rep to see why my miles were not posted. She told me I had a card previously and would not get the miles. I am extremely upset by this {$450.00} is a lot of money to me and I would not have applied if not told in my invitation and by phone by a rep when completing my application that I would indeed receive the miles. American express has the records of my credit with them and should not have mailed a special invitation inviting me to apply if I had already had a card several years ago. I understand that all calls are recorded and they can certainly find out that the supervisor did assure me by phone I would receive the miles.

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ProCollect, Inc (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Procollect Inc has listed our son 's debt on my husband 's credit report. I called to inform them of their error, and the representative was very brusk and constantly interrupted me. Further, Procollect continues to send notices to our address rather than our son 's. Lastly, our son is mentally impaired and under the care of the Texas XXXX agency. He has no means to pay this debt. I have informed Procollect of this both by phone and in writing but they persist. The rep 's response today was unacceptable behavior so I 've decided to post this complaint. Please help to get this resolved. Thank you.

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 12/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Sierra Holdings LLC (IL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have several unauthorized inquiries and its affecting me getting a loan for my daughter college education. I have several inquiries from XXXX XXXX, XXXX XX/XX/17 XXXX and XX/XX/17, XXXX XXXX XXXX, XXXX XXXX XX/XX/17, XXXX XXXX XXXX XX/XX/17, XX/XX/17, XX/XX/17,  XX/XX/17, XXXX XXXX XX/XX/17, XXXX XXXX XXXX XX/XX/17, XXXX XX/XX/17, XX/XX/17,  XX/XX/17,XX/XX/17,XX/XX/17,XX/XX/17, XXXX XX/XX/17, XXXX XXXX XX/XX/17, XXXX XX/XX/17,  XXXX XX/XX/17, XXXX XXXX XX/XX/17, XXXX XXXX I contacted all these places and customer service would not take care of the negative inquiries on my report

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2017 about Credit reporting () with Continental Finance Company, LLC (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: INQUIRY WAS NOT REMOVED

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 06/15/2017 about Payday loan, title loan, or personal loan (Title loan) with Select Management Resources, LLC (WI).
Issue: Charged fees or interest you didn't expect

Complaint: I made all  XXXX  payments - some were late, some on time. The contract did n't state anything about an amount for late fees. I am now being told that I have two additional payments left to pay. I feel that I have made the contracted payments and their website shows only a maximum of 5 % for a late fee, yet nothing is stated in my contract. The maturity date on my contract is  XXXX / XXXX /  XXXX   - and now as of  XXXX / XXXX /  XXXX   they are telling me I owe more. I have attached my contract along with a payment statement from their website and their disclosure from their website.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-02-2016 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Settlement process and costs

Complaint: XX/XX/XXXX I began a modification for my Home Equity Loan with the holder of the loan, Bank of America. After a very frustrating process of them losing documents and re-asking for documents that I had already submitted, they approved the modification XX/XX/XXXX. They sent me documents and we returned them signed in a timely fashion. B of A then signed and return the loan documents and our first payment was XX/XX/XXXX. We have made our payments on time since. Then XX/XX/XXXX they sent out new documents that our modification had been approved. I did not understand. We had completed everything with a signed loan agreement from B of A. When I called they did not give me an answer. Just that I needed to sign. I explain that 4 months ago I had completed the process and have been making my payments on time. After several weeks of going back and forth, they admitted that there was a miscalculation in my loan, but no explanation as to the mistake. I told them that I would not sign new documents as I already have a signed loan agreement with them. What 's to say, if I sign, that they wo n't come back again in 5 months and ask to change them again. I continue to make my payments in a timely matter. They continue to call and tell me to sign or they will withdraw the modification. I have a legal agreement with them. I need help to get them to stand by the original loan documents.

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