milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/26/2018 about Debt collection (Other debt) with Convergent Resources, Inc. (PA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I submitted a letter to Convergent XXXX  requesting that they validate and NOT verify a debt that they are attempting to collect from me. I specifically asked for a signed agreement and other supporting documentation. They provided me with billing statements which does not prove that I am obligated to pay them anything. They have reported delinquent information to the credit bureaus that I am asking to be deleted.

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 02-09-2017 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (AL).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: My husband died in 2011 and his military pay had stopped coming in. And I had very limited income coming in. I had XXXX twice since his death. And they keep hounding me to pay this and I just do n't have the money to pay. I do n't think I should pay the price with my credit being ruined because of my husband passing away. They are also reporting several other credit cars to my credit file to. And double reporting for XXXX who is also reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: XXXX. I sent my payment of XXXX to pay off my loan XXXX XXXX to Navient. 
XXXX. XXXX XXXX I contacted Navient. Navient stated it had no idea what happened to my check. 
XXXX. I got a copy of the statement from my bank, XXXX XXXX XXXX. Navient cashed that check XXXX XXXX and put it into a XXXX XXXX bank account. 
XXXX. I sent my private loan checks in the same envelope, certified. Those loans were posted to my account. The federal loan is lost.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2018 about Checking or savings account (Checking account) with CITIZENS FINANCIAL GROUP, INC. (GA).
Issue: Closing an account
Sub-issue: Can't close your account

Complaint: I asked CitizensBank, through their email system, to close my account in XX/XX/XXXX ( XX/XX/XXXX ). They acknowledged my message and I thought that my account was closed. The account number is XXXX. 

I subsequently received a notice that my account was overdrawn, due apparently to items being presented against the account ( an ACH item from XXXX ) after I asked that it be closed. The amount OD was for the item and OD fees. I sent them a transfer to cover the overdrawn amount and bring the balance to XXXX. They said again that they would close my account if I did this. So I assumed again that the account was closed. 

I attempted again to get XXXX to cancel the ACH draft for an insurance policy ( I do not own the policy, it was for the daughter of someone I lived with for 22 years ). The agent that sold me the policy has long since moved on from the company. I do not have the policy number, since my ex has all that. 

A few weeks go by and I receive another notice my account is overdrawn {$9.00}. The amount OD represents only fees charged by Citizens for returning the XXXX ACH. I contacted the Bank again, spoke with them, received a voice mail message later that they had resolved the problem. I did not pay them the {$9.00}. They were going to reverse that. 

I received letter dtd XX/XX/XXXX that my account is now overdrawn {$19.00}. They simply refuse to close the account, continue these charges each month for returning an ACH item that I can not cancel, and which they do not pay. 

This is an incredibly abusive practice. I paid them the first time they failed to close the account, but having been assured by a supervisor that the account would be closed after that, I am not paying these people {$19.00} more.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There was a XXXX Credit Card Opened in My name on XX/XX/2013 ( 4 yrs, 4 mos ) Balance Owed is {$18000.00} which is 122 % over the credit limit due to interest charges and fees accurred

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2016 about Debt collection (Credit card) with The Stark Collection Agency, Inc. (WI).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX charged off and closed a credit card account XX/XX/XXXX. Since then it has been sent to collections three times. It was sent XX/XX/XXXX, XX/XX/XXXX and again in XX/XX/XXXX.The collection agency that has this account is XXXX XXXX. The collection agency has re-aged this account according to the original creditor 's date of first delinquency. The credit card account has also been closed and charged off. XXXX XXXX continues to increase the amount owed stating that interest is accruing. The amount has increased from {$720.00} to {$1000.00} to {$1100.00} and now {$1700.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-06-2015 about Debt collection (I do not know) with Cottonwood Financial Ltd. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I did not request or receive a loan from anyone. I have had no dealings with this company. I am being contacted by repeatedly by several different companies and each time the lender and collection name changes. I am not even sure how they got my information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2016 about Credit reporting () with CORELOGIC INC (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My wife & I are getting ready to apply for a home loan. 
Our lender told me that her reporting bureau CREDCO is showing a {$570.00} outstanding debt collection on my information & social security number from XXXX XXXX. 
We are current XXXX customers have been since the XXXX bill is current as usual.

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 03/20/2017 about Credit reporting () with Capital Management Services, LP (NC).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX sold my debt to XXXX management. I fell behind on a payment and before I could settle they sold the debt. So I feel they are n't the ones to be paid. Although the they have received payments from me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2017 about Vehicle loan or lease (Lease) with HYUNDAI CAPITAL AMERICA (AZ).
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint: Hello, in XX/XX/XXXX, my XX/XX/XXXX XXXX XXXX financed by XXXX XXXX XXXX was repossessed without earning or prior notice to tell me I had outstanding fees. I paid to have the loan reinstated which I was told included repo fees as well as paid the repo lot for my car. XXXX XXXX XXXX knew I was currently refinancing my car with another company. In XX/XX/XXXX, my refinance company got a hold of them and got the full amount owed and sent a check. XXXX lost this check for 2 weeks while I called incessantly with the tracking number and being told they didnt recieve it. Finally they found it and it was applied to my account. When it was applied, I recieved a paid in full notice. I called twice to make sure i would owe nothing else and was told nothing was owed and i was free from XXXX. This month, XX/XX/XXXX and 9 months after refinancing, XXXX is sending me a bill for XXXX claiming they sent many letters and threatening to come after payment any way possible. This is NOT a tax bill and i was told I paid all fees due after asking MANY times. I called and they insist i pay them and say they didnt see i owed it til XX/XX/XXXX. Yet in XX/XX/XXXX ( 2 months later ) they reported my account as closed to the creditors. Please see attachments. This amount was paid in full and after all these people put me through i refuse to pay or take thier threats.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/25/2017 about Debt collection (Payday loan debt) with CASHCALL, INC. (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: I am getting harassed multiple times a day by calls coming from ( XXXX ) XXXX and XXXX. They threaten that they have complaints against me, orders against me and will be serving me. They have no intention of serving me so that alone is a violation of the FDCPA. Let 's continue. They threaten if I do not respond an order will be placed against my parents. They threaten they will contact my HR department to aid in serving me. 

I called back they have my SSN and other info and say it 's for a payday loan from XXXX. 
1 ) Pay day loans are not legal in NJ 2 )XX/XX/XXXX is past the statute of limitations on debt in NJ 6 years. This alone proves they are in violation of the FDCPA by threatening to serve me with no intention of doing so as they ca n't for a debt past the statute of limitations. 
3 ) I had a XXXX bankruptcy discharged XXXX so even if the debt was valid which it 's not it is illegal for them to attempt to collect as it was discharged. 

They are misrepresenting and violating the FDCPA and I would like them to stop.

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 05/24/2017 about Debt collection (Medical debt) with TRANSWORLD SYSTEMS INC (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: TSI i s reporting account number  XXXX  on my credit report after it was paid. I was told it would not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2017 about Mortgage (Conventional home mortgage) with PENNYMAC LOAN SERVICES, LLC. (GA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: We spoke with Pennymac about mortgage rates and got a quote that sounded better than the one we had and were working on ( in the application process ). <P/>The first thing the guy wanted was our credit card for the appraisal. We did n't even have an application or Loan Estimate from them. But he said this was required before other steps could proceed. We gave him our credit card info. <P/>It was days before we got any other information from him, and we decided not to go with him because we had an uncomfortable feeling dealing with him. The Good Faith Estimate had fees that had jumped way above what he had quoted us. When we next spoke to him, he did n't speak in specifics but more in vague generalities and this put us off. On the evening of XX/XX/XXXX, our real estate agent emailed us saying he was unaware that we had swapped lenders. We told him that we did not change our lender. Although the Pennymac guy had sent us links to his application but we did n't sign it. Because of our deep discomfort with this guy, we did not commit to using Pennymac. A few days later, he called to ask what was up. We told him that we were going with another lender. At the end of this conversation, he said something about our calling to stop the appraisal - or something like this. The gist was that we had to do something in order to stop an expense to us. My wife 's recollection is that he had said that he would pull it, or void it or cancel it. Before I could ask more about it, he ended the call. <P/>On XXXX XXXX, 2017, we got an email referring us to a website from which we could download the " Property Valuation ''. This was a big surprise. The next morning, I checked the credit card and saw the Reservation of {$450.00} made on XX/XX/XXXX, but had not been " collected ''. We did not follow the link to the website to the point of accessing the " Property Valuation '', as this might have " accepted '' the service that we had n't pursued. <P/>My wife is very upset about this transaction. She ca n't understand how a bank would proceed with charging us for an expense without a signed application. She is only grateful that we backed out of dealing with this guy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-02-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (OH).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: I made application for a XXXX credit card through Synchrony Bank. I was denied credit based upon my credit being frozen with the credit reporting agencies. 
I then lifted the freeze temporarily and reapplied but was denied based upon " prior application submitted too recently ''. 

Freezing ones credit is highly recommended by not only the federal government but various consumer agencies. It is unfair to categorize an applicant with frozen credit the same as an applicant with poor credit. The implementation of a waiting period to reapply is nonsensically under these circumstances. My credit is superb and I refuse to lift my credit freeze permanently. Synchrony Bank has stated that there is nothing that can be done.

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 08/31/2015 about Credit card () with WELLS FARGO & COMPANY (CA).
Issue: APR or interest rate

Complaint: I 've realized that credit card debt has caught up with me. I am not a big spender but have been paying interest rates that seem to cancel out my regular payments. I have been with Wells Fargo for eight years and the card with one of the highest interest rates I have is theirs. I went to the bank to discuss a low interest loan to help pay it off ( they were advertising a low interest loan ). They chatted me around the block and it is now almost two week and I have not heard anything back about approval. I am now sure that I am not approved. They have taken a ton of money from me on that card and consider me a valued customer ... I guess except when I no longer want to be a cash cow for them. I realize this is my error but one would expect better treatment from a company I have had a long relationship with. Can anything be done? I was not able to upload documents on this site. I can tell you that, although I 've used this card infrequently, the interest in 2015 alone is {$720.00} and counting.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2015 about Mortgage (FHA mortgage) with BOK FINANCIAL CORP (MO).
Issue: Loan modification,collection,foreclosure

Complaint: As a result of a car wreck I got behind on my mortgage. I have lived in my home since XX/XX/XXXX and only owe under {$10000.00} total to pay off mortgage in full. Bank of Oklahoma refused to work with me on a repayment plan early on in the stages of my being in arrears. Since then they have fast tracked foreclosure proceedings. As of today I gave correspondence from the law firm hired by the mortgage company stating if I pay approximately {$5000.00} by XXXX XXXX the loan will be completely on track again. I will have the full amount to the law firm by XX/XX/XXXX pursuant to our agreement. On the interim Bank of Oklahoma has contacted my homeowners policy provider, XXXX XXXX, on numerous occasions stating they own my house now, that I do not reside their any longer and instructing them to cancel my policy. I have kept in contact with XXXX XXXX and told them they are not to listen to the mortgage company and today I received a check from XXXX XXXX for the refund of my policy as it was terminated at the instruction of Bank of Oklahoma. Additionally, Bank of Oklahoma has continued it 's malicious conduct by having XXXX separate appraisers contact me at work stating they need entry into my home to appraise it immediately. I am beginning to fear I will pay the {$5000.00} requested and they will claim it was not received or just take the money and not honor the written agreement I have with the law firm they hired and who is acting as their representative.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with FIRST NATIONAL BANK OF OMAHA (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: 1ST : MY BALANCE IS PAID OFF TO XXXX : WHY DOES IT STILL SHOW $ XXXX BALANCE? 

2ND : I ASKED TO HAVE MY WIFE REMOVED OFF THE ACCT AS WELL OFF THE CREDIT REPORTS, WHY HAS IT HAS NOT HAPPEN? XXXX XXXX ss # XXXX. 

Acct # 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 05-08-2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I am the author and owner of all communications withing this complaint. I do not agree to allow this complaint to be managed outside of the portal. 

My Credit report currently has " XXXX XXXX '' reporting inaccurately, and in an incorrect manner. 

I dispute the validity of this account/Tradeline. 

1. The " Type of Account '' says NA, and should be " Revolving/Option '' 2. There is no Payment History in this account - and there should be as this account was opened for over 3 years 3. There is no Balance History in this account - and there should be as this account was opened for over 3 years 4. Because this account has no Payment History, please verify its Status/Major Delinquency date 5. Because this account has no Balance History, please verify its Status/Major Delinquency date 6. This account has no Activity Designator, and should as this account is Closed Please Validate this Tradeline, and resolve the errors - or Delete this account. 

Please provide a printed report, when resolved.

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 11/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Alliance Data Card Services (ME).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: When I opened an account with XXXX XXXXXXXX XXXX XXXX, I was advised the account would remain open with them as long as a payment was made or a purchase was made at least once every two years. 
Recently, however, XXXX decided to outsource the managing of their accounts to a third party bank, XXXX XXXX. XXXX XXXX has numerous complaints about them online, and I 'm not sure why XXXX partnered with them to begin with. 
To make matters worse, when they transferred my account to XXXX, XXXX reported to all of the credit bureaus that the account had been closed with them. This caused my line of credit with XXXX to disappear, and my credit card utilization skyrocketed as a result. All of this happened without my being notified, and it happened as I was applying to cosign a loan. Fortunately, the loan was still approved, albeit at a higher interest rate. 
I attempted to contact XXXX customer service numerous times, but their system transferred me to XXXX XXXX XXXX  customer service each time. 
This was a terrible customer service experience, and I do not feel I can trust XXXX moving forward. I would encourage everyone to avoid XXXX at this point unless they plan on being more transparent and better customer-service oriented in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (NC).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I 'm XXXX in debt with navient and my interest rate keeps increasing I ca n't afford to pay this back plus I 'm in school.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Deposits and withdrawals

Complaint: This is my fourth complaint on no resolve to my problem with bank of america, I have an unauthorized charge of {$210.00} and they have done nothing to this point to help me. I called both optimum and the bank of america customer service and both treated very nasty. I have since canceled my optimum service. I also wake this morning to service on both of my accounts, and for what reason?! I would n't be negative if the bank would of just refunded my money taken out my account without my consent. They call and I call back the claims dept and nobody ever picks up. I am upset, because I do n't make much and these things like this put me in a hole. Now my accounts are negative - {$14.00} and - {$5.00} this is ridiculous already how this bank just does n't help its customers at all and just keep taking our hard earned money through these shady fees and broken claims process!

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 monetary relief