milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-09-2017 about Debt collection (Other debt) with I.C. System, Inc. (AZ).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: After months of requests to ICS, they still have not provided any validation that the account is mine. More importantly, that I should pay THEM. I have requested simply validation for months, but all they said was it 's verified. And with that, I inquired as to how they verified it, with whom, and they never provided any documentation to show verification/validation.

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 10/20/2015 about Student loan (Non-federal student loan) with Patenaude & Felix APC (WA).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: This debt went to collections, to the firm Patenaude & Felix, A.P.C. They sent me a judgement balance for {$14000.00}. This was paid via wage garnishment. After the garnishment was complete and the judgement balance paid, I received another letter stating that the judgement balance for the same case number was now {$1700.00}. I asked for documentation for that was for and was verbally told that it was interest. I asked for documentation of the interest rate etc.. and was told that none would be provided.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2017 about Money transfers (Domestic (US) money transfer) with Alliance Data Card Services (NH).
Issue: Fraud or scam

Complaint: My complaint is against Paypal Credit. I used it as a payment method on a site called XXXX - the site turned out to use paypal as a method to scam people into buying their virtual products ( Video game in game items ). When the product is not delivered and the customer checks to see what happened - the company insists to get a refund you must send them more money by via XXXX. It was clearly a scam - XXXX searches will show evidence of a long history of conducting this same scam and paypal turns a blind eye. I submitted a case and shared compelling and detailed evidence and even implored paypal to pose as a customer and see what the vendor does for themselves. I was supposed to receive a resolution within 3 weeks. 2 Months passed and I had to call them to see what had happened to the case as I wanted this fraudulent vendor blacklisted, more so than wanting my money back as kids would use this site to purchase game items and lose their hard earned money which is much more significant to them than it is to me right now. Paypal ruled in the favor of the vendor based upon the vendor being able to provide them with an Internet IP address which matches an IP address I 've used to log into paypal with. That was all they needed to rule in the vendors favor. To purchase items from that vendor you need to provide your username and password to the video game in order for the items to be delivered. When you log in with the username and password it shows all of the locations the game has been logged in from. This was no evidence of product delivery and it seems to have been well thought out and planned by the XXXX game item scamming company. They seem to know what paypal will look for so they can continue their fraud. 
Some links to the vendor 's misconduct : XXXX XXXX XXXX ( Read the video comments ) XXXX XXXX XXXX XXXX XXXX-XXXX You can also XXXX search XXXX fraud or scam and you 'll find many many results. you could also try to use the service and see that you 'll end up in the same situation as the rest of us.

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2015 about Bank account or service (Checking account) with U.S. BANCORP (MN).
Issue: Problems caused by my funds being low

Complaint: My bank told me that they were n't legally obligated to keep the balance of my account current on their website. Specifically, pending transactions will post only a certain amount of days ( showing the real balance ) until they are dropped, after which the balance no longer reflects the pending transactions ( showing a false balance ). The problem is once they pending debits are dropped from the online statement ( even though they are still pending ), they are removed from the balance, removing those debits. 

I thought I had positive balance when in actuality I had a negative balance because what was on the website was not the real balance. I attached my last withdrawal, when I thought I had enough in my account to do so. I would have taken out less cash if I had known they took the pending debits off my balance. That 's trickery they used. 

I ended up being charged overdraft fees and then extended overdraft fees that added up to around {$150.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2015 about Mortgage (Conventional fixed mortgage) with LoanCare, LLC (CO).
Issue: Loan servicing, payments, escrow account

Complaint: We closed on a refinance with XXXX XXXX Loans in XXXX 2015. ( XXXX XXXX ). Prior to the XXXX payment date XXXX sold our mortgage to LoanCare. My wife and I have been homeowners/mortgage consumers for over XXXX years and have never repeat never been late with mortgage payments. My opinion, following our efforts to have LoanCare properly credit our XXXX and XXXX payments, is that this organization would have to improve dramatically to be deemed incompetent. 
We had not received ANY documentation from LoanCare prior to the first payments due date. XXXX had notified us, in writing, that they had sold the loan but no new loan numbers were provided. My wife made the payment using tne ONLY loan number we had at that time. It was, of course, the XXXX loan number. My wife scheduled the payment that was due XXXX XXXX, 2015 through a " bill pay '' service with our bank that has never failed to work properly in the past. According to bank records, this check was cashed/deposited by LoanCare on XXXX XXXX, 2015. After multiple calls, with many people who have apparently been through no customer service training whatsoever, it was determined that our payment had been credited to an account carrying a LoanCare number that matched our XXXX refi loan number. Correcting this error would seem to be fairly straightforward however this has yet to occur. Both my wife and I, on separate occasions, have been assured that the problem was addressed AND that with new mortgages they will not report late payments for the first XXXX days. Upon returning from a business trip last evening, my mail contained XXXX notifications, both dated XXXX XXXX, that our loan was " in default '' and action needed to be taken. As of this writing, we are XXXX days into trying to receive recognition for PAYMENTS ( XXXX ) that we have made, in good faith, to an organization that seems to be procedurally challenged. My concern is this : once the XXXX day period has passed will LoanCare begin to report my wife and I to Credit reporting companies and damage our FICO scores? The fact that we have dutifully made our scheduled payments and made repeated efforts to work with them to assure these payments are appropriately credited and reflected in their records but have yet to accomplish this, would make errantly reporting negative credit information a serious and unwarranted attack on my wife and I. Should this occur, and my wife 's or my own FICO scores be negatively impacted because of their flawed processes, I believe that it could expose them to serious liability.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: In my previous complaint ( ID FOR COMPLAINT SENT TO TRANSUNION : XXXX ), TransUnion failed to prove the accuracy of its investigating and its reporting of the Chapter XXXX bankruptcy information on my credit report. 
TransUnion failed to fix the problem because it did not delete ALL of the bankruptcy information it is reporting on my credit report. 
1 ) Pursuant to FCRA, Section 611, a credit bureau must directly provide the date, and name of the person at the court with whom TransUnion verified the Chapter XXXX bankruptcy information reported on my credit report. 
2 ) In its response, to the 2017 complaint number XXXX, TransUnion stated, we do not provide dispute verification responses received from creditors or court records. 
3 ) TransUnion DID NOT satisfy the requirements of FCRA, Section 611.

4 ) Therefore, TransUnion DOES NOT HAVE the LEGAL RIGHT to REPORT A CHAPTER XXXX BANKRUPTCY on my credit report. 
5 ) Pursuant to FCRA 611, TransUnion MUST DELETE such information from my credit report if it can not satisfy the procedural requirements of FCRA 611.

6 ) In this complaint, TransUnion must provide detailed verification information to support the accuracy of the Chapter XXXX it is currently reporting on my credit report. 
7 ) OR ELSE, TransUnion MUST IMMEDIATELY DELETE any BANKRUPTCY INFORMATION that it is reporting on 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 non-monetary relief
Consumer complaint received 06-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Profit Services Group (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have called the company responsible for reporting an account in " Open '' status multiple times over the last year, at least 5 times. Each time I call they refer me to XXXX who maintains they only report what they are given. There is an account that has settled in bankruptcy a year ago, and the company each month since then reports it as " Open Collections '' status and it should be " Closed '', as this was included and closed in bankruptcy.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ID Analytics, Inc. (VA).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: I was denied credit on XX/XX/2017 and the listing company was XXXX XXXX XXXX, Consumer Office XXXX. XXXX XXXX XXXX XXXX, CA XXXX XXXX When I tried to get my report they are asking for personal information in a Hard Copy. Such as Passport and other personal documentation. The other credit agencies do not do this and it seems very suspicious to me that this company asked for this information mail or faxed to them. I should be able to get my free credit report without these additional hard copies.

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 02/21/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (IN).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: My husband and I are trying to stay current with this credit card. Unfortunately other bills such as mortgage, daycare, student loans and medical bills have caused us to fall a little behind on this credit card. This Citi card is the highest interest rate I have and the highest monthly payment. Ive tried my hardest to stay current on it but have fallen a little behind. I look on my account to see {$710.00} due by XX/XX/XXXX, several late fees, interest went up again, theres just no relief with this card. I call to find out what I can do ( they offer assistance all over their website ). The guy I was transferred to was completely rude and condescending. We spent 20 minutes going back and forth of what I could do different to afford this. Or the same questions of what caused me to fall behind after already explaining its just too high. We got no where, my account will continue to fall behind if I dont get some sort of assistance with this.

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 12/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with Kabompo Holdings, Ltd. (AK).
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint: The " public information '' questions they ask when verifying ID at XXXXXXXX XXXX and ( attempt at ) opening an account at XXXX contain inaccurate information and can not be answered truthfully.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: In XXXX through XXXX XXXX, I disputed the judgement with XXXX XXXX XXXX ( XXXX ) located in XXXX, AZ. The complaint was issued through www.consumerfinance.gov. Upon reviewing my complaint, this information requesting the payment of {$4000.00} was removed from my credit report when XXXX failed to validate/verify the account information. Now, XXXX is re-inserting this information with a different balance of {$7200.00}, ( XXXX XXXX XXXX XXXX XXXX XXXX ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2016 about Consumer Loan (Installment loan) with Conn's, Inc. (NM).
Issue: Problems when you are unable to pay

Complaint: I purchased a TV and stand from Conn 's. I had unemployment insurance and thought that would cover my payments until I could secure another position. The insurance division refused to pay the payments stating that since I resigned ( this was a forced resignation ) that I did not qualify. 
They have been calling me at work, at home, on my cell, up to 8 times a day. 
This is harassment and illegal. I also told them to stop calling and they still are calling. 
Please assist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-12-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (ME).
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint: Initial application for XXXX XXXX XXXX card filed on XX/XX/18. 

Message received on XX/XX/XXXX to contact issuer for additional data. Spoke to Barclays on XX/XX/XXXX and was told that the credit report freeze I had placed with XXXX would need to be lifted for the card application move forward. 

Contacted credity agency and had freeze lifted and credit report was received by the card agency. 

Was then referred to their identification component as the freeze would now require me to submit additional identification proof. I was instructed to send them a copy of my driver 's license as well as a copy, front and and back, of my Social Security card. I agreed to the D/L copy but would not agree to photocopy my SSN card as doing so is in direct contradiction of current Social Security Administration guidance as noted in POMS RM XXXX and asked for an alternative document that could be used. 

The response was that there are no alternatives and that refusing to supply the data would result in a denial of my application. 

Requiring the submission of a copy of a document that the issuing agency suggest should never be photocopied is inappropriate. Either agency instructions should be altered or the credit card company should be required to provide applicants who wish to follow agency guidance with alternative. 

The tracking number for my applcation with Barclays is 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 11/25/2015 about Consumer Loan (Installment loan) with U.S. BANCORP (TX).
Issue: Managing the loan or lease

Complaint: I have a credit card with Elan Financial Services I have been paying extra and instead of the amount over the minimum payment being applied to the balance with the highest interest rate they are applying the payment to both balances. I have sent them a secured e-mail regarding this matter. They responded saying because I my account showed a purchase last month it was applied correctly. I have not used this credit card for several months and I have no automatic charges on this card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Student loan (Private student loan) with Hauge Associates, Inc. (AZ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX, 2014 HAUGE ASSOCIATES I was going to school for one year at Iowa XXXX before I decided to change direction career wise. I had thought that through XXXX Grants and my XXXX that my student loans were put together for me to track, this balance showing on my credit now for 3 years, of {$1000.00}, I have no knowledge of whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: THIS IS THE 3RD TIME XXXX XXXX IS CONTINUOUSLY ILLEGALLY RE-REPORTING DISCHARGED DEBT. HAVE DISPUTED WITH TRANSUNION NUMEROUS TIMES BEFORE THEY DELETE THE INFORMATION THEN IT KEEPS REAPPEARING LATER. XXXX XXXX IS DELIBERATELY ATTEMPTING TO COLLECT ILLEGALLY THEY HAVE BEEN NOTIFIED SEVERAL TIMES. THIS IS CAUSING ME GREAT DAMAGE AND I AM GOING TO START LEGAL ACTION AGAINST TRANSUNION AND XXXX XXXX IF A STOP IS NOT PUT TO THESE ILLEGAL COLLECTION ATTEMPTS

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 03-10-2017 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: There is wrong information in Equifax report

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: The longevity of my loan is excessive.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: FRAUDULENT BILLING FROM COLLECTOR FOR INCOMPETENT HOSPITAL BILLING DEPT.I HAD 100 PERCENT COVERAGE INSURANCE FROM ONE OF THE LARGEST MINING COMPANIES IN THE WORLD.XXXX PAID OR WOULD PAY XXXX PER CENT IF THEY WERE BILLED WHEN I PROVIDED COVERAGE INFO AT TIME OF SERVICE.SEE ONGOING CFPB INVEST. XXXX AGAINST COLLECTOR

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 10-07-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Commercial Acceptance Company (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have established my credit over the last eight years and settle are open and confirm debits with all my creditors. However, I keep getting random collection letters from various companies claiming I owe some other company I have never down business with money. In this instance the company CAC ( Commercial Acceptance Company ) is claiming I owe a bank named XXXX XXXX in the amount of {$250.00}. I have never had a banking relationship with this bank or its subsidiaries. This collection agency does not provide any proof of debit or that they have the correct party, nor do they offer federally required disclosures with the notices they send.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2017 about Debt collection (Medical debt) with Halsted Financial Services, LLC. (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I already disputed my debt with the previous Debt collector, XXXX XXXX who represented XXXX XXXX XXXX XXXX, the original creditor through cfpb in XXXX for failure to provide evidence that I owe such debt. On XX/XX/XXXX, I received a letter from Haltsted Financial Serivces, LLC, reference number XXXX, claiming that I owe XXXX XXXX XXXX XXXX, Reference Number XXXX. Haltstead Financial Services, LLC claims that I owe {$1200.00} to XXXX XXXX XXXX and that they will discount 50 % off the amount if I choose to pay before XXXX/XXXX/XXXX. They also claim that they tried to contact me by mail but I never received such notice until now. This is the second time XXXX XXXX XXXX has share my name, social security and private information to debt collecting agencies. They are harassing me for a debt that I never owed.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: I experienced a hardship during a natural disaster ( hurricane ). I spoke to a representative at Capital One and was advised of a deferred payment due to this hardship. As a result of this i suspended my automatic payments for this account. I realized about a month later that this non-payment in XXXX is now being reported late. I spoke to customer service and was advised this would be corrected. Two months into the investigation i received a letter for capital One stating nothing could be done. I think this is unfair and should have been handled differently by the representative ; i think giving out false information at the time of my hardship and saying i had one less thing to worry about was horrible and showed how uninformed the customer service rep was at the time.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2016 about Credit reporting () with Credit Karma, Inc. (LA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Checked credit score, they showed we have a home mortgage since 2012. 
This information is incorrect. We have no home mortgage.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation