milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/13/2017 about Debt collection (Other debt) with Convergent Resources, Inc. (NE).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I received a letter from XXXX XXXX, dated XXXX/XXXX/XXXX. It was a settlement offer stating I had a balance of XXXX due. However, they would accept 45 %, or {$230.00}. 

The letter advised I had 60 days to accept the offer. 

On XXXX XXXX, XXXX, I received notice from the credit bureaus that the collection account had been added to my credit report. 

On XXXX XXXX, XXXX at XXXX, I called Convergent Outsourcing and spoke to a gentleman named XXXX XXXX XXXX I explained the situation, asked him to removed the collection account from my credit reports as the settlement letter has not expired and he refused, asking me to state which law says he must do so.

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 01/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX incorrect information : XXXX XXXX - ( XXXX/XXXX/XXXX ) XXXX XXXX XXXX - ( XXXX/XXXX/XXXX ) XXXX XXXX XXXX XXXX ( XXXX/XXXX/XXXX ) XXXX XXXX XXXX - ( XXXX/XXXX/XXXX ) XXXX XXXX XXXX XXXX ( XXXX/XXXX/XXXX ) XXXX XXXX - ( XXXX/XXXX/XXXX ) XXXX XXXX XXXX - ( XXXX/XXXX/XXXX ) Experian incorrect information : XXXX - ( XXXX/XXXX/XXXX ) XXXX - ( XXXX/XXXX/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
Consumer complaint received 12/13/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (DC).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: Between XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX of XXXX Georgia made over a dozen unauthorized debit charges to my checking/savings for various amounts, multiple times per day in excess of the bank ATM allowed debits per day totaling over {$7900.00} over a four-to-six week period. 

My debit card is mandatory for ATM transactions at Wells Fargo bank and was printed with a visa debit card font as a locator for the printer of the debit card. 

On XX/XX/XXXX I went into Wells Fargo to address the fraud/unauthorized transactions that I had no knowledge had taken place ; the XXXX XXXX XXXX company made no contact with me prior to charges being taken at any time. 

I filed a fraud/unauthorized transaction claim at that time in a Wells Fargo branch located on XXXX XXXX XXXX in XXXX XXXX and was told by their employee XXXX XXXX that it would be put in high status for immediate attention. I then supplied XXXX XXXX with the back-up material I had about the XXXX XXXX XXXX via email while in front of him, at his computer inside the branch. 

Several fraudulent charges were made on several Wells Fargo debit cards over the course of my three months ( XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX ) in XXXX XXXX, to the point that I had to frequent Wells Fargo locations multiple times to have new cards issued. We ( Wells Fargo employee XXXX XXXX and me ) discovered after reviewing all charges made during the three months that several hotels had also overcharged my debit card throughout the XXXX XXXX metro area ; we then alerted the fraud center of the other unauthorized charges in excess of {$2300.00}. 

As of today, XX/XX/XXXX, Wells Fargo has denied my fraud claims for the $ 10,000++ unauthorized debit card charges placed outside the area and without me present at the company making the charges. Wells Fargo did nothing to watch or protect my debit card ; Wells Fargo branches smirked at me and treated me as if it was a homeland security drill and the money was not mine. A Wells Fargo branch located on XXXX XXXX in XXXX XXXX, CA told me in XX/XX/XXXX that I would have to hire a lawyer and sue either the XXXX XXXX XXXXl or Wells Fargo. It is not my preference to file a lawsuit ; however, Wells Fargo has promoted their errors in the past year and said publicly they are caring for their customers. They did not treat my money like it was mine ; they made me feel like it was theirs and could care less that their actions left me without travel options, without shelter, and without food. 

Please contact me for details on how I can proceed here. This has been a year of chronic fraudulent activity allowed by Wells Fargo in my savings and checking and debit card.

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 08-05-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (IL).
Issue: Problems caused by my funds being low

Complaint: i bank at chase bank, on XXXX a transaction was debited to my acct in the amt of XXXX the debit still showed pending on XXXX @ XXXX. chase bank posted the debit, plus charged me a XXXX overdraft fee. my payroll came into my acct at XXXX. this is not the 1st time I 've had this problem with chase bank. they had to reverse some fees in 2015 when they did my acct like this. they post pymts and will back date the date that it posted so they can charge an overdraft fee. this is going to cause my acct to be in the negative once my other bills come into my acct.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/21/2015 about Debt collection (Medical) with Capio Partners, LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: XXXX XXXX XXXX ; Collection Reported XX/XX/XXXX ; Assigned XX/XX/XXXX ; was disputed with another collection company by the name Capio Partners for {$360.00} ) on XX/XX/XXXX and deleted because it was identity theft, after sending them all the paper work I was told by the GM that my information was not on file, I have proof of the fax and they should have proof of the phone by law! this should be a illegal collection act! AND I WAS NOT CONTACTED BY THIS COMPANY I HAD NO IDEAL ABOUT THIS DEPT, THAT THEY PLACE FOR COLLECTION THAT WAS WRONG!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/13/2015 about Student loan (Non-federal student loan) with SLM CORPORATION (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I requested a copy of my credit report and found a court judgement from SLM Private Credit. I do n't know what this debt is for, and the judgement was placed in XXXX Court in XXXX which does n't make sense since I have lived in XXXX for the last XXXX years. I sent several debt validation letters to both Sallie Mae and XXXX to try to figure out what this is and if it was one of my school loans being serviced by both companies and I have yet to receive a response. I 've tried to obtain these records for about four months now and I need help because it is effecting my ability to get a job.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I paid my credit card off last year. XXXX XXXX is still reporting that I have a balance on the account. This information is incorrect, it also shows that I was late numerous months. I have disputed this several times with all XXXX bureaus and they refuse to remove it. It shows that I have a balance of {$290.00} as of XXXX/XXXX/XX/XX/2015

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I am formally requesting that the CFPB investing this matter. I do not feel that Experian 's XXXX system is sufficient enough to handle this matter. Please note that I am a XXXX Veteran XXXX This item does not belong on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-07-2015 about Credit reporting () with EQUIFAX, INC. (MN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX XXXX XXXX and XXXX XXXX XXXX from Minnesota has sent a letter on my behalf requesting for Equifax to delete the following accounts from my Equifax credit report : XXXX : XXXX, XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX, MN Child Support XXXX XXXX, University XXXX XXXX : XXXX, XXXX Bank : XXXX, and XXXX Credit Consultants, due to me being a veteran XXXX and a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (CT).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: A Sears worker tricked me into applying for a credit card on XXXX XXXX 2016. I was not interested but they persisted and now it ruined my credit. I need the inquiry removed. They were not clear that it was a credit card and were very pushy.

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 03-05-2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Credit card protection / Debt protection

Complaint: I was lied to by a Citibank representative XX/XX/XXXX. He was pressuring me into signing up for the Citibank Credit Protector program ( which I did not want ), and said I would not be signed up until I had mailed in the signed forms he would send me. Knowing that I had no intention of returning the forms I agreed to let him send them to me, just in order to get off the phone with him. However they enrolled me in the program without me sending in any forms, and they charged me {$130.00} for this program I did not want and did not sign up for. When I found out I had been charged I cancelled the protection program and wrote a letter requesting a refund from Citibank. Citibank would not refund me so I cancelled my credit card. Last summer I read in the news that Citibank has been ordered to refund customers like me who were the victim of deceptive business practices, so I wrote a letter XX/XX/XXXX providing them with my new address and again requesting a refund. No response. I have called twice since then - the first time they told me to call back XX/XX/XXXX. Today I called and after 30 minutes talking to people who could not help, someone in the credit protector program told me she would resubmit my refund request for me, then without getting my new address, she put me on hold and then hung up on me. Although I misplaced my statements/proof of charges, Citibank knows the amount - the representative today quoted me {$130.00} which is correct.

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 01/31/2016 about Debt collection (Medical) with Credit Financial Services, lnc (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: In collections, show {$0.00} balance, Debt has been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 about Debt collection (Other debt) with Diversified Adjustment Service, Inc. (MN).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: In XX/XX/XXXX Diversified Adjustment Services received a letter from me requesting that they cease all telephone communication with me. On XX/XX/XXXX, Diversified Adjustment Services contacted me via telephone. I informed the collector on the phone that I had requested in XXXX that they cease all telephone communication with me. She told me they have no records of an account from XXXX. I called back asking to speak with their compliance department regarding the issue on XX/XX/XXXX. I spoke with an XXXX who told me that they do not have a compliance department, then transferred me to her co-worker 's voicemail when I asked to speak to who 's in charge. I called back and spoke with a XXXX XXXX who told me that previous request to cease contact via telephone do not count for different accounts. Diversified Adjustment Services has violated the FDCPA by contacting me via telephone and providing me with misleading information. In addition, Diversified Adjustment Services does not keep accurate records of past collection accounts and correspondence with people they 've attempted to collect debts from. I DO NOT feel comfortable with them having any of my personal information. I have provided a copy of the letter Diversified Adjustment Services send me in XXXX, the letters I sent them, and copies of the return receipts they signed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2017 about Credit reporting () with FIRST ADVANTAGE CORPORATION (SC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I apply for a job and they did a background check on me through First Advantage, when the report came back, it shows I did a crime and shows I was guility of it back I have never committed a crime, I should have a clean background cause like I say I have never committed a crime and this has happen often. that 's why job cant hired me because of my background check stating some kind of felony that I did n't committed. I need help. Also it says I lived somewhere I have never been before,

Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2015 about Debt collection (I do not know) with National Arbitration Forum (OH).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: They called my job 4 times within 2 hours. I told them not to call me there and they told me they would call anytime they wanted. Also told me they were getting ready to take legal action against me. Said they were going to deliver legal papers to my home or work. Refused to give me their physical and/or mailing address. Stated they were under no legal obligation to. They refused to tell me why they were calling or what type of business they were. After some research I found they were a " debt collector ''.

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with Experian Information Solutions Inc. (NH).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: All three reporting agencies refused to correct information on false addresses and false credit information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2015 about Debt collection (I do not know) with TRANSWORLD SYSTEMS INC (FL).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: Trans world systems collection agency called my place of employment and asked for my name. They ask me if I was the person the were looking for and presented me with an unknown date of birth and social security number. When I told them that I was not that person, they ask for HR. 

I told them to stop calling.

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2015 about Debt collection (Mortgage) with Specialized Loan Servicing LLC (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: My account was reassigned to this company effective XXXX 2015. When I XXXX received their bill notice, it stated I was 90 days over due. When I phoned & spoke with a person, I informed them that my account was just reassigned as of this month. They kept telling me I was 90 days behind. I paid the balance on XXXX, and I recently received a bill with an outstanding balance and added charges. A person arrived to my residence today, XXXX & handed me a note to call mortgage company. It was the wrong mortgage company. He started to take pictures of my residence. This debt collection company is acting as if I have not paid the balance due. They have initiated steps towards a " foreclosure '' on my residence.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Equifax is reporting a balance on an account that i 'm an authorized user on. I 've sent XXXX letters and there are some collections that ar n't mine. The balance has been paid in full. What should I do. They refuse to update this and it 's affecting my score. Also I submitted an investigation request on XXXX medical collections from Indiana. I was in texas during that period

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Kimball, Tirey & St. John LLP (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The XXXX . located in XXXX, CA. The Manager or Leasing Specialist of XXXX . was notified that during the time when the apt . unit was flooded with water from the HVAC system of the building I had to look for a place to reside for about a month. I did not occupied the apt . unit because their HVAC system is not operational in my apt . unit. After the repair and clean up period, my apt . unit was not in livable condition the apt . unit had a bad odor due to the water that sipped into the carpet and the odor can cause illness and disease. I have informed the XXXX . manager about this and she agreed that I will move out of the apt . and I will not be able to get my deposit money back because she will apply it as payment for the month that they were fixing and cleaning the apt . unit. I had a rental insurance provided by the XXXX . Leasing Specialist before moving in.I did not file for the rental insurance claim although I have electronic equipments that were damaged during the water leakage from the HVAC system in the apt . unit. 
Please provide the receipt of the deposit I made to the XXXX . and the maintenance report of the HVAC system of the apt . unit I was occupying at that time. 
I do not have any contract signed with the collections agency and the XXXX . manager should provide and disclose the cost of the repair of the HVAC system of my apt . unit and indicate if this was filed as a deductable in thier accounting books for their company 's tax purposes. Furthermore, the deposit money i made seems non-existent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ProCollect, Inc (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Procollect.Inc contacted me two years ago to collect the debt that I did not owe. After receiving the evidence of the debt I found that the debt is owed to other person and I let Procollect to know that, but they kept trying to collect it from me. Finally it was disputed in XXXX 2016 by the credit bureau, XXXX, after I provided evidences to them. 

I got a letter from Procollect again about the same debt they tried to collect from me until last year, which I did not owe. 

I would like to remove this debt from my credit report and hope this will not happen again.

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 07/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
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: Under the new law effective XXXX XXXX, 2017 any public record data must include name and address as well as DOB or SSN in order to appear on your credit file. The Credit Bureaus has not updated the information per the new law true Bankruptcy listed does not include this information and should be deleted from my credit reports.

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 11/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have tried on at least two occasions to have credit inquires that I am unfamiliar with removed from my credit report. However, the major bureaus state that there is nothing they can do about it. 

XXXX, Transunion & XXXX : XXXX XXXX XX/XX/XXXX, and XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, and XXXX/XXXX XX/XX/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 03/14/2016 about Student loan (Federal student loan servicing) with Allied Interstate LLC (MN).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: THIS IS MY SECOND COMPLAINT TO THE CONSUMER FINANCIAL PROTECTION BUREAU IN REGARD TO THE COLLECTION OF MY STUDENT LOAN IN THE LAST TWO DAYS. THE NAME OF THIS LOAN ORGANIZATION WHO PROFESSES TO BE WORKING WITH THE DEPARTMENT OF EDUCATION IS ALLIEDINTERSTATE LLC. 
THEY HAVE JUST SENT ME A LETTER DEMANDING THAT I SUBMIT PAYMENT TO THEM FOR A DEBT IN THE AMOUNT OF {$43000.00}. THIS LETTER, DATED XXXX/XXXX/2016 ALSO STATED THAT BECAUSE MY CREDITOR [ THE DEPARTMENT OF EDUCATION ] CONTINUES TO ASSESS INTEREST ON THIS LOAN, THE ACTUAL AMOUNT OF MY DEBT MAY BE GREATER THAN {$43000.00}. THEY PROMISED TO LET ME ABOUT THE DISCREPANCY AFTER I SENT THEM THE PAYMENT OF {$43000.00}. I WILL ENCLOSE THEIR LETTER TO ME IN ADDITION TO SOME PAPERWORK THAT VERIFIES THE ACTUAL DEBT + INTEREST AMOUNT AS {$34000.00}! 
SO IN THE CASE THAT XXXX & ALLIEDINTERSTATE LLC. ARE NOW, BOTH PURPORTING TO REPRESENT THE CREDITOR [ THE DEPARTMENT OF EDUCATION ] IN ADDITION TO THOSE XXXX ENTITIES, THE DEPARTMENT OF THE TREASURY/BUREAU OF FISCAL SERVICE IS ALSO CLAIMING TO REPRESENT THE DEPARTMENT OF EDUCATION & ACTUALLY GARNISHING MY XXXX PAYMENT TO PAY-OFF THE SAME LOAN THAT THE XXXX & ALLIEDINTERSTATE LLC. ARE CLAIMING TO HANDLE!!!

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