milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-01-2015 about Debt collection (Payday loan) with CNG FINANCIAL CORPORATION (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: XXXX relentlessly called my cell phone and left voicemails not once stating it was to collect a debt, but that legal action had been taken against me and that I needed to return their call to prevent further legal action. When I did not return these calls, they managed to find the phone numbers of all of my immediate family members, and then continued to leave harassing voicemails for them as well stating similar legal courses. 

When I finally called in, I was told my number was no longer in service, although I had not and still have not changed phone numbers, and that although they mailed a letter to my old address ( I had moved cities for a new position ), family members ( or what they will call " References '' ) were their last resort. I was told they had no other manner in reaching me, even though they verified my email address without my needing to even provide it in the first place. 

So essentially, they had more than two ways of contacting me in attempt to collect a debt, and instead harassed myself AND my immediate family under false pretenses. For MONTHS. All for a whopping {$100.00}. 

Just to make it clear. Under The Fair Debt Collections Practices ( FDCPA ), all debt collectors in attempt to collect a debt MUST provide the following : Identify themselves during every communication. 
Notify the consumer that the communication is from a debt collector. 
Give the name and address of the original creditor. 
Notify the consumer of the right to dispute. 
Provide verification of debt. 

None of this information was provided to me until I called XXXX MONTHS after relentless harassment. Had I known from the beginning it was an attempt to collect {$100.00}, I would have called sooner, however from the initial contact, where not even my name was given ( voicemails only stated message was for " Name, Name '' ), all I knew was legal action was being taken against " Name, Name '' and that I needed to return the call right away.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2017 about Debt collection (Other debt) with The CMI Group, Inc. (NH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: The debt reporting company place this collection on my record years ago despite notification that it was not a valid debt. They have now updated it again to look like a current debt. This from 2012 and is the result of an accounting error between XXXX and XXXX when they changed over accounts during the transition from a sale of their business. I have disputed this repeatedly with this company. Is n't there some law that keeps them from reporting a debt like it is new to create a maximum destructive impact on your credit rating? Do n't they have to report the truth?

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2015 about Debt collection (I do not know) with UNITED SERVICES AUTOMOBILE ASSOCIATION (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have been receiving repeated calls, XXXX to XXXX times daily for about two months from a number out of the US. The caller never leaves a message. I will not answer any calls that I do not know. This company comes up on the caller id as area code XXXX.USAA

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/23/2017 about Debt collection (Other debt) with Conn's, Inc. (OK).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I had a final balance of {$68.00} due to Conns in XX/XX/XXXX, unfortunately i was not able to make the final payment until XX/XX/XXXX. I logged into my account www.conns.com and clicked on " Pay your bill '' on XX/XX/XXXX and attempted to make a payment of {$68.00} plus the late payment bringing the final balance of {$72.00}. I got a message stating credit card payment declined. Do no honor. Please contact customer service to make a payment. 

I received two collection letters for XX/XX/XXXX and XX/XX/XXXX stating my balance is {$72.00} and that the benefits of paying conns is no more collections calls. The letter also stated I could make a payment at www.conns.com, the same website that will not honor my debit card. 

I am continually getting up to 20 calls a day on my phone to resolve this issue. I will not talk to any customer service and about my payment. I want to make my final payment of {$72.00} XXXX and not through customer service.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-04-2016 about Bank account or service (Checking account) with SANTANDER BANK, NATIONAL ASSOCIATION (NJ).
Issue: Account opening, closing, or management

Complaint: I opened an Extra20 account with Santander XX/XX/XXXX, soon after they started promoting it XX/XX/XXXX. I diligently met the requirements for approximately two years, earning $ XXXX monthly bonuses. However, the account type was discontinued and they switched me to another account type without ongoing bonuses. Original marketing materials contained the bonus amounts going up to five years. I believe the bank never intended to continue this type of account. They used it to attract new customers, giving a false sense of security with marketing materials showing five years of bonuses. They probably never intended to continue the account type, and hoped that customers would stay with them due to inertia. I consider this to be unethical and potentially abusive.

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
Consumer complaint received 08-01-2017 about Checking or savings account (Checking account) with SUNTRUST BANKS, INC. (FL).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: I enrolled in an " SunTrust Deal '' with my eligible SunTrust debit card linked to my checking account for XXXX XXXX XXXX during the first week of XXXX  of 2017. The terms stated " Offer expires XXXX/XXXX/2017. Must make two separate transactions with XXXX XXXX XXXX on wireless products or services of at least {$15.00} on the card associated with this offer by XXXX/XXXX/2017. Your {$75.00} cash back is earned within 30 days after making your second transaction. See offer details. Taxes, fees, other charges & restrictions may apply. Add'l speed, usage, and other restrictions apply. See plan details. Offer valid one time only. '' I placed one transaction on XXXX/XXXX/2017 and one on XXXX/XXXX/2017 ; both for {$16.00} each. I waited the 30 days after the second transaction and when the {$75.00} cash back did n't post, I used the online chat feature to contact customer service. XXXX told me that " I have researched this and am showing that any rewards earned in XXXX will not show until XXXX/XXXX/17 at the latest. So After processing on XX/XX/XXXX, if the reward is not there the morning of XX/XX/XXXX, please chat or you can call Online Banking at XXXX and we can go from there but we are not able to escalate because it can show up until XX/XX/XXXX. '' I waited until after the first week in XXXX and the {$75.00} cash back still did not post so I mailed customer service on XXXX/XXXX/17 and XXXX said " your rewards will be credited to your preferred account usually within eight weeks from the date of your purchase. '' I waited 9 weeks and it still had not posted.
On XXXX/XXXX/17 I called customer service. I was transferred to 4 different people, one in which, named XXXX, said she was having computer issues and said she had to put me back into the queue where I had to wait another 20 minutes to speak to the next person. In total I was on the phone, mostly on hold, for an hour and a half. Finally the person I spoke to said that they spoke to their supervisor and they said to wait until the XX/XX/XXXXand the {$75.00} will post then. I checked my account today, XXXX/XXXX/17 and it still has not posted.
Based on this experience I am not impressed my SunTrust 's customer service and I am astonished by all the hoops that one has to jump through to receive their cash back on these " SunTrust Deal 's ''.

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 10/25/2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (NV).
Issue: Problems caused by my funds being low

Complaint: Wells Fargo received a legal order on XXXX/XXXX/16 ( one day order ) and processed that day. On XXXX/XXXX/16 supposedly received another legal order of some sort they called an " extention '' of original order. WF did not give this copy to me when requested. I called legal department several times to specifically ask if an additional outside order existed and was informed one did not. Asked why WF overdrew all of my accounts on XXXX XXXX, was told an " escalation '' was in the works to see why accounts overdrawn and was told 20 days to rectify situation. On XXXX day at XXXX CA time, phone call informing me that said check will be mailed out. I do n't understand how WF can overdraw my accounts to satisfy a legal order that they already processed on XXXX and then tell me they are investigating the reason for the action that overdrew my accounts but still act as if the check will be mailed to satisfy the supposed " extension ''. XXXX/XXXX/16 spoke to XXXX XXXX in Arizona to investigate further why accounts were overdrawn on XXXX XXXX. Not feeling confident that this matter will be resolved to correct accounts to previous balance positions. Legal department gives incorrect information when consumer calls to get information on issues. I feel they give us the run around to cover their incompetence regarding the processing of legal orders. When asked if they employ actual lawyers, the answer is no. I do not want to be added to the list of consumers that are unable to open accounts at other financial institutions if my accounts are left in the overdrawn state caused by the legal department. I need answers and help. We have opened a complaint against the legal department as well - today XXXX/XXXX/16 with WF customer service.

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 10/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (KY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There are quite a few inaccuracies that i have tried to rectify with all 3 credit reporting bureaus ( XXXX, Experian and XXXX ). 

1. Mainly being my previous addresses. I have contacted and disputed will all 3 bureaus NUMEROUS times over the past few years and they are refusing to fix it. I have homes on my credit report of which i have NEVER lived, or information that is being mixed in with mine from other family members. I have never lived outside of my county and i have leases to prove where i have lived and how long ive lived there. This is preventing me from obtaining credit and makes me seem unstable. I have even been turned down from a job AND an apartment because of what my credit report showed ( made it appear as fraud ). I called all 3 bureaus on XX/XX/XXXX to try to update the information again. EAch time i was rerouted, or sent to a special agent that told me that ca n't change anything or remove it because a " creditor '' reported that address. Which brings me to another issue.
2. In XX/XX/XXXX, for several months i sent out certified letters to each bureau and called each bureau throughout the year. I told them that i did not recognize ANY of the credit inquiries on my report. I was told by a Special Handling US Agent/Rep that i would have to submit in writing my dispute. I informed her and the other reps that this had already been done. No investigation had been submitted. No one has removed these inaccuracies and once again I was turned down for a credit loan and car loan. This is very difficult for me and I pray this situation gets rectified. It has been WELL over a year and my report remains the same. No disputes or anything further have been filed even though I have called an complained. 

I told them my next step would be to file a complaint with the CFPB, and yet they are very slothful and nonchalant in helping me. I have XXXX children and this is making it very hard to care for them!

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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CT).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my personal information which has led to a breach that puts myself and the majority of Americans at potential risk. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via the news. 

As a result of this security breach, Equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: There is an unauthorized credit inquiry on my report. I let them ( XXXX, XXXX, Alabama ) run a credit check on XX/XX/XXXX. I checked my credit on XX/XX/XXXX and saw that another inquiry was done without my permission. Thank You

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (MO).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I recently received a copy of my credit report and it shows an inquiry by this company that I do not recall authorizing.

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2015 about Debt collection (Medical) with Illinois Collection Service, Inc. (IL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I discovered an unknown medical account dating back from XX/XX/XXXX on my XXXX credit report so I filed a proper dispute with XXXX by way of certified mail as they are the only credit reporting agency that is reporting this unknown medical account. The certified letter was sent on XX/XX/XXXX XXXX received it on XX/XX/XXXX and I received their response on XX/XX/XXXX XXXX said that Illinois Collection Service Inc. had verified the account and if I had any other questions concerning the account I should contact the collection agency. I sent Illinois Collection Service Inc. a letter by certified mail on XX/XX/XXXX which they received on XX/XX/XXXX asking them for validation of the account but I have never heard anything back from them. I sent another dispute letter certified mail to XXXX on XX/XX/XXXX stating that Illinois Collection Service Inc. had not responded to my validation request and has provided no verification of any kind for this account. I also included in the second dispute letter to Experian a copy of the letter I sent Illinois Collection Service Inc. and proof of their having received it. The second dispute letter sent to XXXX asked that the aforementioned unknown medical account be removed from my credit report due to Illinois Collection Service Inc. 's failure to provide any validation of the account what so ever, this letter was received by them on XX/XX/XXXX. I then checked my XXXX credit report on Friday XX/XX/XXXX and discovered that this unknown medical account was still reporting with these new statements included, " Reinvestigation information this item remained unchanged from our processing of your dispute in XX/XX/XXXX '', and this " Collection as of XX/XX/XXXX ''. Illinois Collection Service has not only continued to report this unknown medical account even after my request for verification, validation and their refusal to to supply any information at all to validate this account but they have evened updated the account to XXXX of this year.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (NY).
Issue: Loan servicing, payments, escrow account

Complaint: I received a past due charge on my mortgage from Ditech Financial. I contacted them on Thursday XXXX XXXX. I was told " I received the late fee because my mortgage was paid too far ahead. '' I asked how that was possible and they said it was because they had mis-applied the funds. There have been no missed payments, they withdraw the funds every two week from my checking account. They said they would " waive '' the late fee, but could n't guarantee that this would n't happen again, because the mortgage was paid too far ahead. As of XXXX XXXX, the late fee has not been removed from the account.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/29/2017 about Debt collection (Other debt) with Convergent Resources, Inc. (AL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I requested validation/verification of this debt through the credit bureaus in  XXXX  of  XXXX . The debt collectors refused to do so and the credit bureaus deleted them off of my credit report between   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX  . I have no recollection of this debt and according to my past credit report, this debt is almost 10  years old . Now, the SAME collection company sent me a letter dated  XX/XX/XXXX  to try to collect the debt once again AFTER their refusal of 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 11-04-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (MA).
Issue: Settlement process and costs

Complaint: in 2010 the mortgage go said I owed XXXX in back taxand raised my payment up to an amount that wasimpossible to pay asked for a mortification theywould postpone it say something was outon an on for 5 years to eat up my equity. 
2 I want the mortification3 I have XXXX letters to prove it4 I feel it is a scam to get money from the gov. 
5 who can I review this with

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
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: According to the Fair Credit Reporting Act ( FCRA ), past due accounts can only remain on your credit report for seven years from the first date of delinquency. My account with XXXX XXXX XXXX become delinquent on XX/2010. The first date of delinquency is in excess of seven years ( 7 ) and should be removed from my credit report. In addition, a collection agency, XXXX XXXX XXXX, fraudulently re-aged a past due debt, making it look like the account became delinquent later than it did. The account has actually been past due in excess of seven years and is also required to be removed. I have filed disputes with the respective credit repositories -- but both accounts continue to be listed as negative / outstanding items 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 explanation
Consumer complaint received 08/16/2015 about Debt collection (I do not know) with Seattle Service Bureau, Inc (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I responded to an online Ad for a free consultation with XXXX XXXX. I had an appointment and signed an agreement to accept their services. Their contract has 3 days right of recession which I exercised to cancel. Based on my understanding and calculation XXXX days cancellation rights ended on 3rd business day from the time I signed not including week-ends. I was not aware or told they include Saturday as their business day. After few attempts to collect the full amount and my refusal to pay for unearned services they reported the incident to the credit agencies. Their actions have tarnished my credit rating unfairly and unjustifiably.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: After contacting Transunion this morning and contacting them after being a victim of the inquiry issue they had they werent helpful in correcting their mistake and following the legal procedures. I have multiple inquires that were removed and added back after their " glitch '' which is illegal. I want these handled asap. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX/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