milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/28/2017 about Debt collection (I do not know) with Convergent Resources, Inc. (CA).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: Convergent refuses to cease and desist attempts to collect false debt from XXXX. I have wonderful relationship with XXXX, whom themselves never attempt to contact me about this fraudulent debt. I have sent numerous emails, physical letters, and told them over the phone to stop calling and harassing me and that they are wrongfully contacting me. Supposed debt is well over 7 years old, as well as date the supposed case was opened against me. I do not recognize any information they provide, only responded saying that at one time I had someone wrongfully withdraw money from a paypal account years ago. But that I never defaulted on any purchases etc. Back then the money had to be IN the XXXX account for a purchase to be made so it is impossible I would be able to overcharge a credit card etc.There was a negative report on my credit report from this incident because I was never able to find proper information on the individual in order to bring them to court, they hacked several accounts of mine at the time even finding my address. However this poor mark on my credit has been long removed from all credit bureaus for several years now. Convergent refuses to stop harassing calls and letters, even going as far as contacting previous addresses/phone numbers and family members. Harassing them when asked to stop. I do stay off and on at this old residence often using it as mailing address for packages, but do not own this home nor was this the address I resided at when this dispute was created I lived in XXXX XXXX CA. They also send a statement saying they may post a negative mark on my credit score if I do not submit to their harassment and give them funds. Which considering the dispute is over 7 years old, I find to be wrongfully threatening and deceptive. Being I have spoken on phone, and sent letters mostly..As far as responses from me I only have a copy of the last letter sent to them in which they have already ignored and begun calling family members again. They do state in other letters that they acknowledge I have told them I do not owe them money and do not wish to speak with them yet continue to keep this up, I can find those in storage if necessary.

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 12/31/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (AZ).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: I am a victim of identity theft. Someone stole and used my personal information and got a state drivers license with my picture on the license and a date of birth of XX/XX/XXXX to open up a U.S. Bank Visa/XXXX credit card account. I was incarcerated and I never applied for a U.S. Bank credit card. The account was opened up fraudulently and unauthorized.

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 01-08-2016 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have disputed these XXXX companies XXXX and XXXX XXXX XXXX are fraudulent accounts that do not belong to me. I have disputed these accounts withEquifax and all I seem to get is the same old spill " ACCOUNT HAVE BEEN VERIFIED ''. These accounts have not been verified nor validated. I contacted both the collection cied so they can VALIDATE these accounts asking them for some signed contracts with my signature on them to validate these accounts and I have not gotten a response and its been more than 30 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/26/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (DC).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I applied for a jumbo mortgage  with Wells Fargo to refinan ce a first mortgage on an apartment located in  XXXX  jointly owned by me and my domestic partner.   After a lengthy and inquisitive proc ess, Wells Fargo app roved the loan and send us a commitment lette r. ( atta ched ) In the meantime, I had filed a refi application with another bank and was approved very quickly, with better terms than the one offered  by Wells. So I told Wells that  we would not close the loan with them, which I had every right to do since I had not signed the commitment letter accepting the loan.     We than both received what I would call a retaliation letter, stating that the bank had rejected our applicatio n ( the ver y same that I had accepted earlier ) and enumerating a lot of vague arguments and phony reason s ( payments incident, bad credit score etc ... ) to justif y the rejection. They knew perfectly well that those were pure fabricated falsehoods, since they had all our financial background in the initial application.     I am very concerned that the disparaging comments about our finances  ( wh ich we can prove are a pure lie and fabrication ) will somehow be leaked to other financial institution or used for scoring purposes. What if I ever apply for another loan that asks whether you have been previously rejected? How am I going to answer that question?      Bottomline is that WELLS FARGO, which has already been haunted by numerous scandals, is simply trying to retaliate by tarnishing with falsehoods my financial reputation Thank you for your help, I hope Wells wo n't be allo wed to continue spreading deliberately false information to retaliate against clients

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 09/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint: We purchased the vehicle from XXXX XXXX on XX/XX/XXXX based on the pre-qualified loan offer from XXXX XXXX. After that we received a number of denial letters from other multiple financial companies which XXXX XXXX used for the same loan on our behalf. We requested to correct this by phone and in writing ( the letter sent via certified mail attached ). As of XX/XX/XXXX no contact was made and no action was taken.

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 10-07-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (MA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I HAD 3 CREDIT CARDS LOST THE COMPANY FOUND IN MY FAVOV THAT I HAD NOT MADE THE THE REPORTED ITEMS AND THEN THEY REQUSTED IRS PROOF OF INCOME I TOLD THEM THAT I WAS OUT OF WORK DUE TO A WORK INJURY AND THEY CLOSED 20 ACCOUNTS THAT IHAD SOME THAT I HAD FOR XXXX AND XXXX IHAVE NEVER BEEN LATE ON ANY OF MY ACCOUNTS I HAVE A 100 % PAYMENT RECORD AND LESS THAN 23 % USEAGE BY DOING THIS MY CREDIT SCORE WENT DOWN 30 POINTS

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 01/30/2017 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (IN).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This debt is appearing on my credit report from Portfolio Recovery Services. I 've sent communication to them for debt validation on two occasions. I have not to receive what I requested. They are reporting the collection as being opened on XX/XX/XXXX which is actually incorrect. The debt went delinquent in XX/XX/XXXX. They are reporting the open date as XX/XX/XXXX. Collection agencies can not re-start the deletion time period unless they have re-aged an account which could be a violation of the Fair Credit Reporting Act. They 've added on 2 additional years of reporting which will extend the deletion period beyond the 7.5 years allowed.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Checking or savings account (Checking account) with DISCOVER BANK (OK).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: XXXX/XXXX/2017 - I was notified by Discover Bank that my checking and savings accounts had been frozen for security reasons because I had added an external checking account for transfers. Verified my identity and had them unfrozen.
XXXX/XXXX/2017 - My mortgage payment in the amount of {$1200.00} was supposed to have been deducted from my account, however, only a partial payment of {$640.00} was deducted. I contacted the lender, XXXX XXXX, to find out what was wrong. XXXX told me that they received no payment at all because they were told the accounts had been frozen. The account specialist at XXXX conferenced Discover Bank in to assist as they had not initiated the ACH and had not received any funds. Discover Bank informed me that they did not know where the ACH had come from but that they could not give me the money back until they investigated the transaction and would get back with me in 7-10 days.
I never heard back ...
XXXX/XXXX/2017 - I sent a secure message to Discover Bank through my online account center stating the following : " There is a disputed ACH on my account that was supposed to be removed within 7-10 business days. It has now been nearly 3 weeks and I have heard nothing. This was Discover 's error as they had apparently frozen my accounts at the time because I dare to do the unthinkable and add a checking account to my external accounts, resulting in a declined mortgage payment. However, Discover screwed up and still processed the payment in partial, never giving the funds to XXXX but also never returning the funds to my account. XXXX was conferenced in and verified that the funds were never received as well. I need to know what the status of this request is and when the funds will be returned to my account. " XXXX/XXXX/2017 - Response received from Discover : " Dear -- -, Thank you for your message.
I can understand your concern about your disputed ACH and no response from us.
In an effort to provide you the best service possible, I have escalated this issue to the appropriate parties in our company for further assistance. We will respond as soon as we have any additional information concerning this matter. Thank you for your patience.
If you have additional questions, click on the Help section of the Account Center, reply to this message or call us at XXXX. Our 100 % U.S.-based customer service team is available 24 hours a day, 7 days a week.
Thank you for choosing Discover.
Sincerely, XXXX Discover Bank Customer Service XXXX/XXXX/2017 - I have still heard nothing from Discover Bank and still do not have my money back. This is a lot of money and I need it back ASAP, so that I can pay this next month 's mortgage payment. The delay and lack of response is unacceptable, and according to what I 'm reading on the CFPB website, also illegal. Assistance is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I have sent in a copy of my ID with the correct mailing address to XXXX, XXXX and Transunion and they each have refused to update my address. I have recently received a letter stating that my mailing address was changed from the address that I instructed to another address that is not my address but a relative of mine. I have never used that mailing address.

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 07-02-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Transunion is violating Federal Law as follows and they must remove the Bankruptcy Record. 
Based on The Fair Credit Reporting Act -15 U.S.C. 1681, I request that you remove of the Bankruptcy Filing statement in my credit report. Your Agency is in violation of The Fair Credit Reporting Act -15 U.S.C. 1681 The Fair Credit Reporting Act -15 U.S.C. 1681 states of the Credit Bureau running reporting period to be no more then 10 years. 
However, in section 605 of the Fair Credit Reporting Act, the requirements relating to information contained in consumer reports 15 U.S.C. 1681c ( C ) Running of Reporting Period of 7 years for section ( 4 ) and ( 6 ) only. NOT for Section ( 1 ) It does not mandate under federal law, 10 years for Bankruptcy in reporting time, such as 7 years or 10 years. There is no minium in running of reporting time. The federal law is very clear as it states no longer then 10 years but it does not address any Running of Reporting Period for Bankruptcy.. 6 Months? 12 Months? 2 Years? 3 years? 4 years? 5 years? 6 years? 7 Years? 8 years? 9 years? 10 years? 
Thus I have the option under section 605 of the Fair Credit Reporting Act of the Fair Credit Reporting Act to request removal as deletion 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. 
C ) Running of Reporting Period ( 1 ) In general. The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. 
Based on The Fair Credit Reporting Act -15 U.S.C. 1681, I request that you remove of the Bankruptcy Filing statement in my credit report. Your Agency is in violation of The Fair Credit Reporting Act -15 U.S.C. 1681 Your violation is legal case for Defamation of Character besides Federal Penalties under The Fair Credit Reporting Act -15 U.S.C. 1681 as you have no legal grounds C ) Running of Reporting Period. To the Bankruptcy

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 card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (MI).
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint: I had two Discover credit cards XXXX and XXXX which I stop using in XX/XX/XXXX due to them moving money from one card to the other, adding charges that were not mind and others. I did a XXXX for law suites against XXXX and noted quite a few of the that required them to pay back their card holder the money that they illegally charged. I did not receive any refunds from then in fact the assed more charges to my cards because I stop using them! They also tried to get money out of my bank and from another credit card that I have! One of many court order that XXXX is not following. The Discover Fake Credit Card Agreement Class Action Lawsuit is XXXX XXXX v. Discover Bank, Case No. XXXX, in the in the Supreme Court of the State of New York , County of XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2015 about Credit card () with SYNCHRONY FINANCIAL (MI).
Issue: Billing disputes

Complaint: On XX/XX/XXXX I was granted credit of {$2500.00} by Carecredit/GE Money. I made four additional transactions of {$1400.00}. Based on high monthly due minimum, after eight years of steady payments I look confident to have paid off this credit. But, every month I see this credit increasing due to crafty billing by Creditor. For example : they charged systematically high so-called Interests on Purchases even when no transaction was made in related billing circle. Moreover Carecredit lured me to sign four years ago a program called ACCOUNTS SECURITY PROGRAM which charged my account of {$36.00} or more a month. I was told the program main purpose was to help credit holder compensate monthly due minimum payments in case of sick leave or jobless time. Just a big lie! Because when I recently moved from XXXX to XXXX and while I am still jobless and struggling to settle here, I wrote several times to Carecredit and Synchrony Bank to claim they activate benefit of my account Security program during this jobless period, nothing. Instead they have not only jeopardized my credit score but also connected all my phones to debt collectors who are, as of today, harassing me by calling any time 7X7 days. In the light of all of above, from XX/XX/XXXX I finally stopped paying monthly due minimum unless this creditor provide me in writing complete credit account billing and payments history from XX/XX/XXXX to XX/XX/XXXX to help me know how much I so far paid compared with current balance credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/21/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I had an unauthorized inquiry on my Equifax file on XX/XX/2016 from XXXX. I filed a dispute online with XXXX and even filed two disputes with Equifax. I even called Equifax and one time the gentleman mentioned it would drop off within 24 hours. Well its been months and I finally received a company letter from XXXX on XX/XX/2016. They apologized and stated on the letter it would drop off my file which it HAS NOT and its been over 6wks. I sent that letter over to Equifax in my last dispute and they refused to remove it stating that it needed to come from XXXX. What more proof do they need and I have NEVER requested any services from XXXX and their letter states that with an apology. I do n't care what Equifax needs in terms of " their procedure ''. Fact of the matter is, it was unauthorized and I have an actual company letter to confirm that. The last girl from Equifax made it seem its ok to have this inquiry and that it falls off after two years. Well I know the rules of inquires but that is only acceptable when they are AUTHORIZED by me. This was not and everyone from Equifax on the phone was not helpful at all. They were all over the place and figures when one said it would drop off my file within a day and the last person I talked to said my XXXX letter does nothing to help them remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (ID).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I disputed Enhanced Recovery Collection agency XXXX XXXX XXXX few times and it was removed because I declared it as not authorized transaction. Today I noticed that a company ERC reported : '' XXXX '' reapeard.

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 12-07-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with IMPAC MORTGAGE HOLDINGS, INC. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: In XXXX, XXXX XXXX XXXX XXXX XXXX, filed a foreclosure action against me and my husband. A Final Judgment of foreclosure was entered since we did not get notice of the hearing date. My husband and I were able to reinstate the loan in the amount of {$56000.00}, made payable to XXXX XXXX XXXX as the loan servicer. We were given the amount to reinstate the loan from Impac Mortgage Company since they were the trustee for this loan. The Final Judgment was vacated on XXXX/XXXX/XXXX, ( attached ) and we kept waiting to get the new payment amount, which never came through, despite repeated requests. ( attached ) Despite not having a new payment schedule, we kept paying whatever was requested initially : XXXX XXXX, XXXX - {$4100.00} - online payment XXXX XXXX, XXXX - {$5600.00} - online payment By XXXX of XXXX, the payment had gone up to {$19000.00}, which we could not pay. 
We kept receiving notices from Impac Mortgage Company to assist with the loan modification, and since we were getting nowhere with XXXX, so we contacted Impac Mortgage for the modification assistance. 
On three separate occasions, Impac Mortgage requested a fee for the modification, which was paid on the following : XXXX/XXXX/XXXX - {$2300.00} modification fee - {$1400.00} on a credit card and {$900.00} on another credit card. The loan modification actually went through and the paperwork was signed and submitted to XXXX XXXX XXXX with a payment amount of {$2200.00}, which was accepted as well as the second payment of {$2200.00}. I made the third payment of {$2200.00} ; however, XXXX XXXX XXXX refused to accept it. 
XXXX/XXXX/XXXX - {$2200.00} modification fee - credit card payment XXXX/XXXX/XXXX - {$2400.00} modification fee - paid by check ; everything was submitted as requested but Impact kept changing their mind of how they wanted the funds received. One letter stated the funds could be sent by check and then another correspondence was the funds had to be certified and/or wired. Even though a check was sent, it was then refused. 
By XXXX XXXX, another foreclosure action had been filed. We attended mediation where we were to submit the required documents. We then went to trial on XXXX XXXX, XXXX and we were given 150 days to complete the modification. Despite from the time of the first mediation in XXXX XXXX until XXXX XXXX, XXXX, we submitted the modification packet no less than 15 - 16 separate occasions Despite all of our efforts, we were notified on XXXX XXXX, XXXX that loan modification was not approved. feel as though I have been completely scammed by both XXXX XXXX XXXX and Impac Mortgage. Both kept dragging this process out and increasing the interest rate and the fees to make it impossible for us to keep our home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation