milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-01-2017 about Debt collection (Other debt) with Convergent Resources, Inc. (WA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: This issue was resolved several years ago by anot her Collection Agency.and my self.   This issue began on  XXXX   XXXX ,  XXXX  when someone, not me or anyone I know, impersonated me by going on  XXXX  and applying for a credit card with the last four digits of my Social Security number and a false email account. This was fraud.   With the last Collection Agency I had conversations with  XXXX , the Credit Card Company that uses  XXXX  home page.   I have been with  XXXX  and  XXXX  since  XXXX  and I have only used one email for both of these accounts. This email is "  XXXX  XXXX  XXXX  '' and the one used for this " Fraudulent purchase '' was  XXXX  XXXX  XXXX . I have never used or had an email with hotmail.   I had over 20 phone calls with the previous collection company, including  XXXX  and the Credit Card Company that issued credit in my name.   As I told the previou s Collection Agency, all th ey had to do was to ask the  Camera Company tha t shipped the merchandise, where did they ship it to. I guarantee that it wasnt to me or even in the State of Washington.   Everything was settled years ago, and I was reassured that it was Fraud and we were done with this ugly issue.   Now, I guess my previ ous Collection Agency " sold  '' my information on this claim to " Convergent Outsourcing ''  (   XXXX  #  XXXX   ) w hich are now calling me and my wife during work hours and I hate to have to go through weeks of badgering about consumer fraud. I believed this was  XXXX  red up years ago. Can you please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2017 about Debt collection (Credit card debt) with DISCOVER BANK (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: In early XXXX I found out that a fraudulent account for Discover card had been opened under my personal information. I tried working it out with the bank but they did not believe that my account was fraudulent. Discover claimed that I had transferred my credit to XXXX XXXX XXXX, something that had never happened ( even fraudulently ) because when I talked to severa XXXX XXXX XXXX representatives there are no existing account under my information. I appealed to the credit bureaus : XXXX and XXXX who had told me that they will open a dispute with Discover. I received confirmation in late XXXX from XXXX and XXXX stating that the case has been successfully resolved ; Discover had removed me from their end ; it was also removed from my credit report and I received a new credit report stating that my Discover card is now closed. However about two weeks ago I received repeated phone calls from Discover asking me to pay " debt '' and that my card was never closed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-04-2017 about Credit card () with JPMORGAN CHASE & CO. (FL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I have XXXX different charges on my chase credit card account that have been under dispute for over two billing cycles. These XXXX charges were both fraudulently unauthorized by the same organization, at separate times. I contacted chase bank several times via their message system, explaining the situation each time. I also talked to their representatives in their fraud department along with a supervisor and was told that I was liable for the charges because I had no proof of them being fraudulent, despite the fact that they were unable to get in touch with the retailer to get any evidence from them. This is Ludicrous and unprofessional. They have not charged me interest on the charges, but the charges are still there, which effects my over all credit rating for as long as they are on there.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/13/2017 about Bank account or service ((CD) Certificate of deposit) with U.S. BANCORP (MO).
Issue: Account opening, closing, or management

Complaint: On XX/XX/XXXX my wife and I went into the XXXX, IL. branch of US Bank to transfer out two IRA 's to another bank, each IRA had matured on XX/XX/XXXX. At the time of the transfer the assistant manager processing the paperwork reduced the amount of each IRA by {$30.00} as a fee. We had brought all our IRA paperwork with us to the branch and asked the agent to show us where this fee was disclosed. After looking through all the IRA paperwork the assistant manager XXXX called an internal US Bank support line for help. After the call he provided us a " Consumer Pricing Information '' brochure ( printing XX/XX/2016 ) showing a transfer fee. We opened the IRA 's 5 years prior and were not given any fee information for the future, and there was no mention of any fee until we tried to access our money. We did asked to have the fees waived but were told only the manager ( XXXX ) could do that and was not available that day. We also called the US Bank 24 hour banking line the following Monday ( XX/XX/XXXX ) who referred us back to the bank branch we had already visited. I also called the branch the same day and spoke to the branch manager ( XX/XX/XXXX ) who could not help us in refunding the fee. The attached support documents only discuss early termination fees and nothing about transfers at maturity. Attached please find a copy of all IRA documents ( note : wifes IRA is identical in terms, dates, and fees, I can provide these if necessary ) This practice seems predatory in nature as we were not informed of the fees, never signed anything acknowledging the fees, and are charged this {$30.00} fee on each and every IRA account.

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
Consumer complaint received 05/30/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am contacting you because I am exhausted after several months of trying to deal with the credit bureaus on my own. Several unknown accounts appear on my credit as well as addresses, names and addresses. I filed a police report, filed a complaint with the FTC and I filled out a fraud affidavit and sent that information into the credit bureaus and it appears my case is being over looked or no one wants to help me. 
I have tried to contact Experian in this regard for the past 7 months and I have not received a response after sending them certified letters that contain my disputesXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-09-2015 about Bank account or service (Savings account) with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Account opening, closing, or management

Complaint: A Virginia based bank, Capital One 360 has run and continue to run a promotion offering a various bonuses for opening a Savings account. Today my husband and I called the bank to take advantage of its " CHALLANGE EVERYTHING YOU 'D EXPECT IN A SAVINGS ACCOUNT '' promotion. Imagine our astonishment and disappointment to find out that we do not qualify for the promotion because my husband and I had XXXX Savings accounts from a different financial institution some 14 years ago. The Capital One 360 phone representative seems to have an unfettered access to the financial data which we never consented to provide to the bank. From what I understood, financial information about consumers has been acquired through a chain of corporate merges, acquisitions or buyouts or other kind of commercial deals without consumers knowledge of consent. Our personal financial information and financial information of other consumers has been bought and sold on open market. I do n't believe it is acceptable in light of the latest security breaches in banking sector. There should be a consumer protection both on federal and state side, so banking public would know who has their information and how this information is shared or used as a commodity. We should not be detrimented because our personal information has been shared without our consent. When a consumer closes account with a financial institution and ceases relationship with that financial institution, that financial institution should be precluded from selling or otherwise trading for profit financial information about the customer with whom it has no longer has such financial relationship.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I file a written and verbal dispute with both   XXXX   and Equifax several times throughout a year to investigate, update or remove from credit report regarding inaccurat e " Tax Lien '' repo rted on my credit report.     Both credit agency   XXXX   and Equifax has stated they have completed an investigation and reported the G A State Tax Lien is reported " Released Lien. '' As stated I submitted a letter of dispute based on inaccurate inf ormation on the both reports.     The dates the report was filed on :  XXXX   XXXX ,  2017  to Equifax file #  XXXX  - GA Departmen t of Revenue Tax Lien File :  #  XXXX  {$980.00} and #  XXXX  {$1700.00}  XXXX   XXXX ,  2017  to  XXXX  file #  XXXX  - GA Departmen t of Revenue Tax Lien File :  #  XXXX  {$980.00}

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2016 about Debt collection (Medical) with Credence Resource Management, LLC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My son and I were in an XXXX in XXXX 2015 and covered by XXXX XXXX XXXX. He was taken by ambulance to the hospital by XXXX XXXX XXXX. The insurance covered up to {$5000.00} in medical expenses. I provided XXXX XXXX the accident claim # XXXX. Now I have received a {$2100.00} collection bill from Credence. I am not responsible for this and XXXX XXXX has failed to collect payment from 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 10-12-2017 about Debt collection (Other debt) with Commonwealth Financial Systems, Inc. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have been informed that negative information was reporting on my credit report by a collection agency with the name of XXXX  XXXX. I contacted this company by certified mail twice to get validation of debt amount owed. this company has failed to reply or send me any type of mail about this debt that they are falsely reporting on my credit report. I have received confirmation through the XXXX that this company received my certified letters but have yet to respond in a timely manner. I gave this company well over 30 days to send me validation of debt owed on the first go round and have not received anything since, this company states I owe XXXX $ but I will not pay this collection agency any type of my money without sufficient validation. I have asked this company twice to validate this debt bearing my signature or to show some type of contract I have between this company & I. It is by law by the FCRA THAT I CAN REQUEST VALIDATION AND IT MUST BE SENT TO ME. Not only is this company blatantly disobeying the law & being willful non-compliant but also not giving me what I am respectfully asking for. This company only marked my account disputed on my credit report but have failed to send me any documents of what I am asking for. 
I have the right to demand to see a signed contract between, e and XXXX XXXX. If this company is hired by a 3rd party company then I request validation and NOT verification of the debt meaning a signed contract from the original company and not a itemized or generic bill. a bill is considered proof of debt, not validation.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I 'm a victim of identity theft as a result of this there were some inquiries made without my knowledge or consent, i have sent out numerous letters to Equifax with supporting documents, they are ignoring me and they still have n't removed these items that clearly do not belong to me, this is very frustrating and disappointing and I need help to remove these inaccurate items, i 'm attaching the letter that i sent out to the bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2018 about Debt collection (Medical debt) with Community Health Investment Company, LLC. (LA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I sent XXXX a request for validation of an alleged debt. The response sent to me is attached, but it does not constitute validation, pursuant to FDCPA. The information that was sent to me was simply VERIFICATION that an account was owed to XXXX XXXX  XXXX XXXX. The amount that is said to be owed is not congruent, and XXXX has not proven that I am the person who signed a contract with their company or anyone else or that I owe XXXX. 

The right of subrogation does not exist for a stranger to the transaction. 73 AmJur 2nd, Section 90. There is no right to substitute someone or some entity that was not on an original contract. It is not allowed. 

Also, the dates and amounts being reported on my credit report are not congruent to the dates and amounts that were sent. I have attached my proof. This entry on my credit report has so many inconsistencies and I do not have a contract with this agency, and I want it deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (SC).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have enrolled in Navient 's rate reduction program. Being that this is my 3rd year on the program, I know how it works. I have confirmation of my enrollment in the program. In checking my account, I have found several times that my loans are past due. This should not be the case as the rate reduction program calls for automatic withdrawals. In calling Navient to express my concern, I was told that one of the loans was left out of the lineup when I enrolled in the program. However, that is a company issue, not mine. Navient gives no notice that something is awry with a person 's account, and holds the customer responsible for THEIR mistakes. A loan is something that can affect credit, if my loans are past due, without MY knowledge, that can certainly affect my credit. As the customer, I should not have to call and check behind a company. If you value your customer 's, you will make sure they are satisfied. I have done my part in enrolling myself back in the program, and Navient makes excuses about not doing their part. I should not, and will not, be made to pay late fees on loans that I confirmed were in enrolled in the rate reduction program.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2016 about Credit card () with TD BANK US HOLDING COMPANY (CT).
Issue: Billing statement

Complaint: I purchased a vaccum from target in XXXX ct.I payed cash for it. They lady took the money then asked if I would like a credit card. I filled out the paper work she said it would come in XXXX eight weeks XXXX ; the card came. I di not actvate it for another two weeks. I never used the card. They sent me a bill for XXXX dollars. I payed then I cancelled the card. they said as of now you no longer have this card. Now I get an emai saying I owe another XXXX dollars. I called saying how can I owe you when I no longer have this card. They said if you do not pay this bill we will turn you into the credit beaue. I am trying to get a mortgage for a home. the guy looked up my credit report and said Target says you owe them money. XXXX XXXX and something.. I told him I do not have that card any more. he said you better contact someone this is fraud ( has some one used that card. I calle them and got into a heated argument saying I payed cash and the lady put the money in the till. She said you were issued a temp card ( this is XXXX ) They can put anything into their computers. They get into people accounts taking out money without that person knowing it until it is to late which ruines their credit also. What can I do should I get a lawyer and sue? Target has done this time and time again nothing being done about it XXXX XXXX XXXX veteran.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2017 about Consumer Loan (Vehicle loan) with UMPQUA HOLDINGS CORPORATION (CA).
Issue: Taking out the loan or lease

Complaint: I purchased a commercial vehicle in XX/XX/2016 from XXXX ( XXXX ) and was informed that the product was a loan and that there were no penalty to payoff the loan. I later learned that XXXX was not the loan holder and that company was Financial Pacific Leasing. I also learned it was not a loan as explained by XXXX and that it was a lease agreement. This information was all learned after I gave them a down payment of {$17000.00} on {$65000.00}. I was under the impression via multiple converstations from the XXXX that my payoff balance {$55000.00}. The company intentionally misrepresented this information to lure me into a loan of which I had many other options to pursue because of my down payment amount and cash I had on hand. I never intended on obtaining a lease agreement of any sort and did not learn about the agreement until loans were already processed and finalized. I called in XX/XX/XXXX to get the payoff amount for the loan I was advised it is {$110000.00} which was a shock and no where near the {$55000.00} balance payoff I was advised of.

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 03-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (VT).
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: Experian Dispute was opened on XX/XX/XXXX with claims of inaccurate information on account credit report under XXXX XXXX XXXX. The original account, which was sold to XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX contacted the account holder and the account was settled on XX/XX/XXXX. XXXX XXXX XXXX did not properly report to XXXX XXXX XXXX and/or the Credit Bureau Reporting Agencies that the account was taken over by XXXX XXXX XXXX and settled with the customer XX/XX/XXXX. 

The results from XXXX XXXX through the Experian dispute came back with results allowing XXXX XXXX to add a " FAILED TO PAY '' mark on the XX/XX/XXXX month of the XXXX XXXX Experian account that was closed on XX/XX/XXXX and settled by XXXX XXXX XX/XX/XXXX. 

FALSE REPORTING A dispute against the result from Experian, came back with no results. Report number XXXX. 
A complaint was submitted to CFPB against both XXXX XXXX and XXXX XXXX. Complaint ID XXXX. 

CFPB Complaint ID # XXXX resulted with no results from XXXX XXXX and a letter from XXXX XXXX stating that they reported to all three agengies to remove the collection tradeline for the consumers account number associated with XXXX XXXX. Please review all documents that have been uploaded with this dispute.

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 02/20/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: Loan originally through XXXX XXXX XXXX, loan was modified through XXXX XXXX XXXX. XXXX XXXX XXXX had an incentive if I paid my loan timely for five years up to {$1000.00} per year would be applied back to my balance. I paid timely the entire five years. Then the loan was sold to Greentree Servicing who reflected the " pay for success '' incentive on my quarterly statements. then they sold the loan to Ditech, around XXXX 2015, who despite numerous inquiries will not respond and will and does not reflect this incentive on my current loan with Ditech. I have attached a copy of when the loan was with Greentree and it showed the incentive balance and then a copy of after it was sold to Ditech and the incentive balance simply disappeared.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-08-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I hold XXXX fully responsible for this derogatory collections on my credit report with Transunion. They failed to provide proof of this debt and failed to place a dispute on my credit report ( by means of a letter which was sent certified on XX/XX/2016 ). This was for account # XXXX. On XX/XX/2016 I sent a letter regarding the claim and charge off on my account. I requested validation of this account ( by means of a second certified letter XX/XX/2016 ) and none was given as well as they did not place a dispute by consumer on my credit report. XXXX as not sent the appropriate verification by the FCRA section 609 ( A ) ( 1 ) ( A ). Then XXXX has not responded to any of my inquiries since XX/XX/2016. I would like this to be removed from my credit report or I will file a lawsuit. Thanks

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 09/18/2016 about Consumer Loan (Vehicle loan) with Experian Information Solutions Inc. (CA).
Issue: Shopping for a loan or lease

Complaint: 1 : Mailing Address is incorrect. 
2 : Date of Birth, is incorrect. 
XXXX issues are with EXPERIAN 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