milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/23/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with SYNCHRONY FINANCIAL (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: original debt was with GE money bank. ge money bank sold debt to security credit. Security credit then sold debt to another company. I paid the third debt collector but secuirty will not take their collection trade line off of 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 07/21/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CT).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: got a student loan XX/XX/XXXX never graduated but XXXX sent certificate anyway the loan was for XXXX moved around a lot but finally tracked down. i paid when i could and when i could not they snatched my and my husbands federal and state taxes which totaled over XXXX dollars.then XXXX sold the contract to navient and i still owe XXXX dollares now navient is going to garnish my wages again thank you for any help you can give me XXXX. XXXX. the school was computer processing institute in XXXX ct.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2016 about Debt collection (Credit card) with Convergys (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Encore is repeatedly calling my work. I have included a log of the calls received just in the last few days, I deleted the others. 

ENCORE XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX ENCORE XXXX XXXX ) XXXX XXXX/XXXX/2016 XXXX ENCORE XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX ENCORE XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX ENCORE XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX ENCORE XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX ENCORE XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX ENCORE XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX ENCORE XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX ENCORE XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX ENCORE XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX ENCORE XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX ENCORE XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX ENCORE XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX ENCORE XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX ENCORE XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX ENCORE XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX ENCORE XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX ENCORE XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX ENCORE XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX ENCORE XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX ENCORE XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX ENCORE XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX ENCORE XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX ENCORE XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX ENCORE XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX ENCORE XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX ENCORE XXXX ( XXXX ) XXXX XXXX/XXXX/2016 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 09/25/2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have disputed this item with Experian through the mail and over the phone several times and the last time I spoke with the customer service representative, he told me that he was doing me a favor by opening up XXXX more investigation. I sent Experian documentation showing that I have never had a tax lien and sent them records that I have from the CA XXXX website showing my tax history for the last 7 years. I was told that I would have to have the state of california issue a withdrawal of lien before they would remove it which is utterly IMPOSSIBLE!! and I currently live in another state. The will not accept anymore documentation from me to prove my case with them, which I already did. I need help!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2017 about Debt collection (Other debt) with AllianceOne Recievables Management (CA).
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint: I believe the company failed to properly notify me of the terms and conditions of the debt such as the amount owed and payment due dates. The company stated because they have not received a payment in over over 30 days that they forwarded the account to the state of California tax franchise board for collection. I have not received any communication from AllianceOne prior to    XX/XX/XXXX  .  The terms of the payment agreement was NEVER outlined nor was there a payment agreement. Therefore, to send my account to another company is unjust and unfair legal practices. Secondly, the company charges a {$10.00} fee to make payments by credit card online and {$0.00} to mail a payment. I believe to charge such a ridiculous amount is also unfair to an consumer who is trying to settle their debt and are forced to pay {$10.00} as a " convenience fee '' when payment by mail are easily lost. AllianceOne is a terrible company that needs better business practices. There was never a payment schedule identified so it is unfair to suddenly send a threatening to suspend my driver 's license and forward it to the Calfornia Franchise Tax Board. AllianceOne mailed a lette r dated  XX/XX/XXXX  and on   XX/XX/XXXX   t  hey forwarded the account to another collection agency without giving me an opportunity to respond the letter.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2016 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (CA).
Issue: Other transaction issues

Complaint: Someone sent me {$1900.00} via the app Venmo on XX/XX/XXXX. Venmo requested additional documentation from both of us. I submitted mine immediately and they requested it again. I resubmitted it. They sent a message stating that if they did not receive both of our documents that they would cancel the transaction and refund her money to her. The sender is XXXX and had difficulty sending in ALL things, so I asked them to cancel out the transaction and return her money to her. They would not. It has now been almost 3 weeks and they still will not return her money to her. She has since submitted all documents and they state the license is blurry ( i looked at her email, it was not blurry at all ). They are refusing to cancel the transaction and give her back HER money. They should NEVER have drafted the funds in the first place if the account setup was not complete, instead of taking her money and not allowing either of us to have it. Now they are holding it hostage and this is unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-03-2017 about Prepaid card (Gift or merchant card) with U.S. BANCORP (CA).
Issue: Fraud or scam

Complaint: This is a {$100.00} gift card. I removed it from it 's packaging and went to go use it. The transaction was declined due to a {$0.00} balance. 
I called the issuer XXXX times, spending a total of XXXX minutes to no avail. The vendor is U.S. bank # on the back of the card is XXXX. A representative said that they would be faxing and mailing me documents to fill out for the claim process. They did not fax or email me anything. U.S. bank says that resolving the worthless card issue is contingent on receiving back the paperwork that they say that the sent out. This is clearly a scam and my {$100.00} have been stolen.

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 10/14/2016 about Bank account or service (Other bank product/service) with TCF NATIONAL BANK (IL).
Issue: Account opening, closing, or management

Complaint: Tcf bank gave my daughter 's attorney my social security number without My permission. my daughter had a personal injury case where she won a settlement she 's a minor, so there was an order for the funds to go into a custodial account, so I asked her attorney if you could put it into an account at TCF where she already had an account he stated yes even when they 're open up an account another account without my authorization and no personal information then I got a call from the bank saying I need to come and sign information which I did not find I stated I needed to speak to the attorney first so I know what I 'm going to be signing, the attorney Stat he will mail me documents after two weeks of never receiving them I contacted the attorney again yesterday on XXXX 2016 I was told the attorney was out on a XXXX and just been here with taking over and he was able to email me the documents that were supposed to be sent to me I 've been noticing and I ca n't open there 's no signature I did not authorize it and my social security number is on it, I then contacted the attorneys office asking how they got my social security number XXXX XXXX stated he does n't know but he will ask XXXX the attorney who handled my case, I then contact the TCF Bank and spoke to the branch manager XXXX asking how my social security number was given to that attorney the first day that the attorney came in with my social security number and my daughter 's social security number then he stated it 's a court order for funds to be in a custodial account and that gives him authorization to send my social security number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Transunion is inaccurately reporting a chapter XXXX on my credit report. I have sent several debt validation letters for them to verify that the bankrucpy belongs to me. I have asked that they give me the following information. 
1. Please provide the name of the courthouse 2. The clerks name that you verified the dispute with 3. The  address 4. The telephone number 5. The documentation used to verify the dispute. 
6. The asset and liability amount of the bankruptcy that is supposedly reported correctly by your company. 


They only state that they have verified. According to Fair Credit Reporting Act. the credit bureaus must report accurate information. As of this date if they have verified the bankruptcy as being accurate. why is there a XXXX on the amount owed. I don not believe that someone would file a bankruptcy and not owe anything. Transunion has violated my rights by not accurately reporting information. I would like Transunion to verify and send me all of the information I have requested. If they can not verify correctly and report correctly. I would like for Transunion to remove this item 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 08/16/2016 about Bank account or service (Checking account) with BMO HARRIS BANK NATIONAL ASSOCIATION (IL).
Issue: Deposits and withdrawals

Complaint: A {$1700.00} check from a different bank 's account was debited from my account. They have the same routing # and account number.

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 09/26/2017 about Debt collection (I do not know) with ECMC Group, Inc. (CT).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I noticed this company ECMC ( collection company ) reporting negatively on my credit report. I requested proof from them and I also disputed with the credit Bureaus at the same time. The have not sent me any proof of debt with them or any original creditor. They are not registered in the state of CT as a business domestic or foreign. I called the secretary of the state to find out the rights and they let me know. This company does n't have authorization to collect in CT. I 'm not sure who they are at all.

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 05/14/2017 about Debt collection (Medical debt) with Ability Recovery Services, LLC (MO).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I pulled my credit report and noticed an unknown medical account on my credit report. I disputed this account with the credit bureau and was told that this has been verified. I then was told by the credit bureau to contact ability recovery services and they then send me a itemized bill which is not validation. I request for a copy of a contract bearing my signature and something showing that I have a contract with them.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2016 about Mortgage (Conventional fixed mortgage) with FREEDOM MORTGAGE COMPANY (ME).
Issue: Loan servicing, payments, escrow account

Complaint: I pay my mortgage in two semi-monthly payments. My current mortgage company, Freedom Mortgage holds the first payment until the end of the month and then applies both to the principal and interest at that time. This means they hold that first payment ( not earning interest for me ) and charge me full interest on my loan for the whole month instead of immediately applying the first payment to principal and interest. They also keep the two additional payments that I make a year and apply them in XX/XX/XXXX even if it means they keep the money for for a full mortgage payment for many months. This seems to defeat the purpose of saving on interest payments by paying bi-monthly. Is this legal? I had no choice in who I got as a lender ( my mortgage was sold to them ). If their behavior is legal, outside of refinancing, is there anyway to get another lender with better policies? 
I would like my payments credited when they are received. This company has been terrible to work with- they do n't seem to know how to work with someone who manages their credit well and who is financially literate.

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 01/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: This company made a grave error that caused a devastating effect on my credit file. I already disputed these with the credit bureaus before but they refused to fix the error they 've made. Incorrect information such as wrong addresses, phone numbers, accounts, and inquiries has been reported in my credit file. All these information do not belong to me and should n't have been reported on my credit file. Despite my efforts on fixing these errors, these credit repository remained negligent and noncompliant. I only moved to XXXX XXXX XXXX, XXXX XXXX, CA last year and this is the only address associated with me. They only phone number that should be reported is my phone number ending in XXXX. This is the only phone number I ever had. EQUIFAX also reported accounts from XXXX XXXX XXXX opened last XX/XX/XXXX and account with XXXX XXXX reported opened last XX/XX/XXXX. These are not my accounts. I am a victim of this credit bureau 's mixed up files. Furthermore, there had been inquiries reported that donot belong on my credit report. Inquiries XXXX XXXX  last XX/XX/XXXXand XX/XX/XXXX, XXXX pulled last XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX pulled last XX/XX/XXXX and an inquiry by XXXX XXXX pulled last XX/XX/XXXX and XX/XX/XXXX. Attached to this complaint is a letter from XXXX stating " that my credit file might be combined with someone else who has a similar name '' This company has mistaken me for someone else. This is my last effort to have this bureau fixed before I get a legal counsel involved.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2017 about Payday loan, title loan, or personal loan (Installment loan) with Prosper Marketplace, Inc. (OR).
Issue: Getting the loan

Complaint: Initially I applied for what would have been a     3rd Pr osper lo an, having paid off    XXXX     already in years past and having the  2nd    almost 50 % paid off. In other words, a good   history with h Prosper with  no late payments and a solid credit file.     I qualified for up to {$13000.00} and elected to borrow {$10000.00} at 17.9 % apr, with a shorter term.     I fulfilled all the requests for documentation. I supplied salary stubs,  my 2016    XXXX  , and  XXXX  from income received from my   XXXX   XXXX   that I recently started back up.     I received a call from a  Prosper loan specialist a nd was told that I could either not include the  XXXX  income because  Pros  per could n't in clude it for some odd reason. I was told I had to reapply and state I was  XXXX  in order to have BOTH sources of income considered. I then stated to forget the  XXXX  income as in past years I had qualified for $  10,000+ on  my  XXXX  income alone. The loan  specialist said it di d n't matter, either way I had to reapply. This made absolutely no sense.     I then received a message that my loan had been denied because  Prosper  " could not verify my income '' despite having current pay stubs,  2016     XXXX  and  2016     XXXX . This is an outright falsehood.     When I went to reapply as instructed I only qualified for $  XXXX  {$9500.00} and now the interest rate jumped to 22.35 % to 34.01 %, depending on the term.      Prosper did something similar on the very first loan I took out. Now that it 's happened a second time I see the scam. Prosper denies applicants a loan AFTER its pulled a hard inquiry, which drops the applicants  XXXX  score. It then offers an outrageous rate and uses the excuse of the applicants   XXXX   sco re, which its done damage to with the hard inquiry.     This is unethical and shoul d be illegal. Prosper was pe rfectly capable of verifying my income initially and the fact that it doubled the rate speaks to its lack of ethics and truth in lending.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 about Checking or savings account (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: On XXXX17 I opened a checking and savings account with the bank. At time of setting up the acct there was a promo entered XXXX, which had terms that 2 direct deposits must be received and then {$400.00} would be given to consumer in the form of a deposit within 90 days of 2nd transfer. I called the bank last week to advise that my the {$400.00} for setting up the acct with direct deposit was never received and I followed the terms and still have an ongoing direct deposit coming from my employer. The rep advised me that it is because I am transferring the funds from XXXX XXXX XXXX. I explained to him that he was incorrect and XXXX XXXX XXXX is my employer so the direct deposits will say XXXX XXXX XXXX The gentleman apologized and then explained that the promo was updated a few weeks after I set up the account to be for targeted cities only. I informed him that I believed that it is bad business to do the bait and switch. He apologized for the inconvenience and agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (TX).
Issue: Making/receiving payments, sending money

Complaint: We wrote a check for our rent in the amount of {$1400.00}. When it finally went through, Wells Fargo had changed the amount to {$1700.00}, sending the account into overdraft. We have spent over four hours on the phone over two days trying to get them to rectify the error as overdraft fees accumulate. They refuse to allow us to send them proof of the mistaken amount ( a scan of the check provided by our leasing office ), or reverse the error so that my wife 's account can be positive again. In addition, they keep insisting she needs to call them again the next day or wait for their call, which is nearly impossible because she works XXXX for XXXX straight hours and is not allowed to go have an hour long conversation while at work.

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 03/27/2015 about Debt collection (I do not know) with Receivables Performance Management, LLC (NC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have received multiple calls from phone number XXXX A revrese lookup said theyare Receivables performance management located in XXXX va. They are looking for someone named XXXX XXXX. I have told them i dont know who she is but they keep calling me asking fer her hanging up etc. Once person went so far as to say well records show you have the same address. She was most likely the person that was renting here before me. I dont know how they got my number they just need to stop calling me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: While trying to refinance we discovered that ExperianXXXX and XXXX all had the incorrect bankrupcy discharge date recorded ( XXXX ). The correct date is XXXX/XXXX/XXXX. Once I sent the correct court ordered discharge with that date on it to all XXXX, XXXX and XXXX changed it within 48 hours. Experian did not. I also sent Experian the court ordered paper showing that the court made a mistake and to vacate the order for the XXXX discharge, that the court ordered discharge for XXXX/XXXX/XXXX is the correct date. I have called Experian 9 times, each time explaining the issue, making sure they received the documents and explaining that we can not close without this information being changed. I have been hung up on, promised to be called back by a supervisor, and promised to be called back a manger above the supervisors. No body ever gets back with me. They say they have 30 days and have no empathy for my time constraint regarding closing on my refinance. Also there are XXXX mortgages in my file that are coded under payment history as XXXX. Which shows up in automated underwriting as a charge off foreclosure and not a bankruptcy. I even uploaded a screen shot from my mortgage company for Experian to see and they say they can not see it on their end. I am so frustrated because I feel their level of customer service and caring in nonexistent. Not only am I concerned that I will not be able to close in time to keep a lower interest rate but have no confidence that these issues will be corrected.

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