milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/17/2017 about Debt collection (I do not know) with Capital Accounts, LLC (TN).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I 've never received information regarding the nature of this debt or proper signed validation of this debt from this credit agency. Also when researching who this company is I learned that they are n't licensed in the State of Tennessee to collect debt. Their license has been suspended since XX/XX/2017. Collecting a debt with no license is illegal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2015 about Debt collection (Non-federal student loan) with Navient Solutions, LLC. (WV).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Calls are nonstop. Have repeatedly informed Navient that cosigner and I are both unemployed and recieving government assistance. Asked for assistance multiple times, always told that there is nothing they can do except for us to pay. Have asked that the calls lower in frequency, repeatedly am told they will stop and within the hour after request the calls resume. Was told they can call XXXX every hour, and that is exactly what they do. I do n't know what to do, I have nothing, cosigner has nothing, zero income coming in, they refuse to communicate via the mail instead. My school was found to have participated in fraud ( XXXX XXXX ) but nothing has been done to help the former students.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2015 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Homeowner XXXX XXXX accepted terms of a permanent loan modification with Select Portfolio Servicing ( " SPS '' ) on XXXX XXXX, XXXX. ( See Executed Loan Modification ). 
XXXX XXXX continued to make mortgage payments in accordance with the terms of the recent modification agreement until he received notice from SPS on XXXX XXXX, XXXX informing him that an Annual Escrow Analysis review determined an overage in XXXX XXXX escrow account and that his new monthly mortgage payments would be {$770.00} as of XXXX XXXX, XXXX. ( See Escrow Analysis ). In XXXX XXXX XXXX XXXX began making his mortgage payments in the new amount determined and in accordance with the XXXX XXXX notice until XXXX XXXX when he was made aware that SPS had not been applying any of the mortgage payments made since XXXX. IN XXXX XXXX, XXXX, inexplicably, SPS then unilaterally unmodified the loan. ( See Billing Statement ). SPS should have honored the terms of the Loan Modification Agreement and should have accepted the adjusted payments remitted based on their own escrow analysis. 

XXXX XXXXFind all supporting documents as a single attachment enclosed.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Experian is not correcting my credit report. 
I have sent letters, and documentation on all of this to them, as well as proof I have paid off all my credit cards. My credit should be around XXXX or higher I currently work for XXXX, Not XXXX XXXX. I currently make 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 04/15/2016 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (VA).
Issue: Fraud or scam

Complaint: There was money added and fees that where never authorized and then fees and withdrawls not authors and then denied access to funds after applied and then account closed and a new card issued without authorization or my funds

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2016 about Credit card () with SYNCHRONY FINANCIAL (GA).
Issue: Closing/Cancelling account

Complaint: I am filing a complaint about Synchrony Bank. On XXXX/XXXX/16 I sent an email cancelling my amazon.com store credit card. Synchrony Bank supplies credit for amazon.com. The email address was found on an email from Synchrony Bank. I supplied my name, the last XXXX digits of my acct, the name of the card, and the reason for cancelling my acct. I also contracted to pay the remaining balance on Wed., XXXX XXXX when I received my social security benefits. I received no reply - no message about the correct way to cancell, no correction to email address, nothing about who I should contact. No message from customer service offering to assist me. No message saying I had to pay prior to the XXXX anyway - I would have gone without my XXXX medication to pay them. I know that the email was received - no error message, no returned emails, etc. After numerous attempts to contact the bank at both the statements and customer service depts ( XXXX, XXXX, XXXX, XXXX, etc ) on XXXX XXXX I went online and found that my acct had not be cancelled and a late fee had been added. I want my amazon.com store credit card acct cancelled. I want the past due charge of {$25.00} dropped. And, I want a guarantee that I will receive no further past due charges while in 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 monetary relief
Consumer complaint received 06/30/2017 about Checking or savings account (Checking account) with U.S. BANCORP (IL).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: On X/X/2017 We made a purchase at XXXX for {$9.00} We were unaware that our account had a negative balance of $ ( -XXXX ) ( which was caused by the monthly fee of {$6.00} the bank charges every month ). Even though the account was negative, US Bank approved the charge for {$9.00}, causing the account to overdrawn even more to end up with a new negative balance of ( - {$12.00} ) On X/X/2017 US Bank charged an outrageous fee of {$36.00} because the account was overdrawn and they also charged a {$25.00} for extended overdraft, leaving us with a new balance of $ ( -XXXX ). US Bank never attempted to inform the account was overdrawn. We did n't receive any emails, text, letters or calls to notify us. Then on X/XX/2017, X/XX/2017, and X/XX/2017 US Bank decided to keep charging extended overdraft fees for the amount of {$25.00} each. We ended up with a negative balance of $ ( -XXXX ) on X/XX/2017. This is the most expensive trip to XXXX I 've had, and we only buy coffee there very rarely. I wish the card had been declined at POS. Please help us solve this. It is ridiculous to get charged a total of {$130.00} in overdraft fees for a charge of {$9.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MT).
Issue: Problem with fraud alerts or security freezes

Complaint: XXXX-I attempted to place a credit freeze on my XXXX account, however they have a list of questions they ask and I did not get them all correct, the system denied me access. Some how I received a letter from them to start a security freeze or lift one. This form asks me for my PIN however I don't remember getting to this part of the process due to answering the question incorrectly which they ask such obscure questions I have no idea what they are talking about. I have had hundreds upon hundreds of creditors and do not have documentation or memory of every single account. It took extensive searching to find a contact number to speak to a representative. The representative asked me 3 security questions again which I know I got 100 % right but was denied help on my account. So I was able to get the correct mailing address and mailed my request to them so hopefully that will work??? How can these companies provide no customer service and not have their facts about me correct? their is no accountability for them, this is rediculous. 

Equifax-The online system lets me complete the input for the request but when I click submit the system says it is timed out, this is crazy as I will have it completed very quickly. You can not get any customer service help at all. This system is as messed up if not more than XXXX. I am going to have write a letter and request help here also. I can't believe the level of XXXX these credit bureaus are allowed to get away with. 

XXXX- The online system lets me complete the input for the request and I get an email confirmation that my credit is unfroze but this is not true because I have had XXXX try to pull credit and it is always locked. You can not get any customer service help at all. I am going to have write a letter and request help here also/again. How can these companies be so horrible at their jobs and how come no one does anything about it?

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (TN).
Issue: Credit decision / Underwriting

Complaint: I closed on the sale of my house XXXX/XXXX/16. I called 2 days later regarding refund of escrow in the amount of {$2100.00}. I was told it took 3 weeks. # weeks later I called and was told it was mailed XXXX/XXXX/16, No check. Called again Mailed XXXX/XXXX/16. No check. Was told there was a problem with their system and I 'd get a check in 10 days. No check. Was told it was mailed XXXX XXXX, 2016. No check-? 9 times I called and talked with 8 different reps : XXXX, XXXX, XXXX, XXXX ( XXXX different XXXX ) XXXX, XXXX ( who clamied to be a legal rep ), XXXX XXXX and numerous voice mails where I ca n't understand the name of the perons who is supposed to call me back but never does. 42 days after they got the pay off for my loan and I sitll do't have a refund check for the escrow. I was not late one time. I ask for a check to be put in over night mail but they ca n't do that, yet they have an address for a consumer to send an overnight mail payment. I need some assistance in getting y refund check. What information do you need from me.Name : XXXX, email XXXX,. Please help me to get my refund in a timely manner. Thanking you in adavance

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2017 about Credit reporting () with Special Financing Company, LLC (LA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I 've disputed the inquiry from PARADIGM ACCEPTANCE on multiple occasions asking for verification from them since they are the ones reporting on my Credit file to  XXXX  for physical verification this inquiry was in fact made by me. I 've not been provided proof and the company is still reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with U.S. BANCORP (IL).
Issue: Other transaction problem

Complaint: On XX/XX/XXXX I paid an online invoice I received via email for {$7500.00}. This was the first half deposit toward plumbing services. This was an ACH transaction leaving my account, going through XXXX with the ultimate destination of XXXX XXXX. The money left my account XXXX XXXX. As of today, XX/XX/XXXX, XXXX, whose account is at XXXX has yet to receive the funds. They have tried multiple times to locate them but XXXX says it ca n't find them. XXXX customer service says the transaction was rejected and they did n't get the money. I filed a claim with USBANK to revoke the payment and it was declined. I filed a second claim for a missing ACH transaction but the supervisor told me this was not correct and was going to be declined. I have the trace number of the transaction. No one at US Bank branches or telephone will help actually trace the funds. I have been in multiple times, made numerous calls and spent more then 10 hours trying to resolve this with no assistance. Each call I make I end up speaking with a different person, whom tells me a different story but the common denominator is everyone says they ca n't help. I have been told that XXXX needs to have XXXX trace the money. But, XXXX says it never hit their system so ca n't locate it. None of the banks- XXXX , USBANK or XXXX ' bank have been helpful thus far.

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 04/21/2015 about Debt collection (Medical) with USCB, INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XXXX XXXX, 2015, I received a demand letter for payment from USCB America for {$730.00}. I am disputing this debt of {$730.00}, because it has never belonged to me. 

I was a victim of identity fraud and are disputing this debt of {$730.00}. I have been receiving harassing phone calls from USCB on my employers mobile phone. 

The {$730.00} debt belongs to some one who used my information with out my knowledge. I will not pay a debt not belonging to me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I went to a car dealership and authorized a soft inquiry on my credit. I know it was supposed to be a soft inquiry because the salesman said that is all it would be. Two days later I find out there are XXXX hard inquiries that I never authorized.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2015 about Bank account or service (Other bank product/service) with Comerica (TX).
Issue: Using a debit or ATM card

Complaint: THE PURPOSE OF THIS COMPLAINT IS THE FOLLOW UP ON CASE NUMBER XXXX. 
THE COMPLAINT IS AGAINST COMERICA BANK. 
THE PERSON CONTACTED WAS XXXX AT ( XXXX ) XXXX XXXX. 
MESSAGES WERE LEFT ON XXXX XXXX 2015, XXXX XXXX 2015, XXXX XXXX 2015. THERE HAS BEEN NO REPLY TO DATE. 
THE INITIAL RESPONSE FROM THE RESPONDENT IS NOT SATISFACTORY. 
THE FIRST RESPONSE OF THE RESPONDENT IS NOT AVAILABLE. 
COMPLAINANT TRIED TO LOG ON TO CFPB ACCOUNT BUT THE SYSTEM DID NOT ALLOW ACCESS TO THE DOCUMENTS. 
CFPB WAS CONTACTED BY PHONE ON XXXX XXXX 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2016 about Debt collection (Medical) with Financial Management Solutions (PA).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I called to verify the address to send my request for removal of a paid debt that is on my credit report. I spoke with XXXX XXXX at Financial Management Solutions, she stated that the address on the XXXX credit file for company was not correct. I requested the correct address to send my request for removal. As I proceeded to tell her that I was sending correspondence to have this debt removed, she became very nasty, would not answer my questions, and kept asking for my number, I requested again an exact explanation of the process she refused and begin to say I was arguing with her about my " unpaid debt '' I stated I was not arguing and if she gave me a chance to speak or complete my sentence without her bullying. I was very upset and she continued to tell me and insult me. I asked for a supervisor and she stated that was her and that she said all she has to say. I I told her I have a right to verify the information, she continued to state that I keep talking and not giving her my phone number. I asked again for clarification of the process and she hung up on me. I called back a gentleman answered the phone, I was transferred to her again and she started to yell, I said that she is required to validate the information, and speak to me in a respectful manner. I said if she does not stop being abusive I will report her. She oh you are threatening me .... and hung up on me. I am very upset and I still do n't have the information on how to get this paid debt removed from my account. Please help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2015 about Debt collection (Credit card) with CITIBANK, N.A. (CA).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: As agreed with XXXX XXXX XXXX on XX/XX/XXXX, I have been paying {$50.00} at the end of every month for a settlement with Best Buy. I lost my job on XXXX, and I informed this agency of my financial issues. However, I told them, I would make every effort possible continue making the payment as agreed. I have done so, and now XXXX of their employees is calling me on the phone asking about the payment, and calling me a liar. I process the payment through the bank payment services, and I tried to tell him that, and that I had done that several days before. The guy started yelling at me on the phone repetitively calling me a liar. I do n't deserve to be talked to that way, so I hanged up.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2015 about Credit card () with CITIBANK, N.A. (FL).
Issue: Closing/Cancelling account

Complaint: Without any prior notice to me whatsoever, my AT & T Universal Credit Card account was closed. The reason was not for any other reason other than lack of use. What is disturbing is that this account has been in place since 1992, and closing an account with such a credit history has an adverse effect on my XXXX. When I called to get it re-established, I was given the normal run around to re-apply, waiting 10 days, etc. etc. Finally I agreed, gave my information to re-apply and was immediately informed by XXXX # XXXX that I was denied due to the card having a joint owner. They are refusing to reopen the card in spite of my XXXX Credit Score, more than adequate income and limited debt. Admittedly, this card is not often used as it is not my primary card. I reserve this card for international travel as the AT & T name is widely recognized. However, as the consumer I am being refused a service that has been in place since 1992. This was not an issue prior to CITI taking over the AT & T Universal account portfolio.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-10-2015 about Credit reporting () with MicroBilt / PRBC (formerly CL Verify) (FL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Ran annual credit report and inquiry showed an unauthorized credit report run XXXX XXXX, 2014 by Microbilt. Which was requested by XXXX XXXX XXXX XXXX. 

Microbilt - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX, XXXX - XXXX Date XXXX XXXX, XXXX XXXX , CA , XXXX - XXXXXXXXHave filed dispute with XXXX and in the process of sending a certified letter with return receipt requested.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: The original creditor of my debt is XXXX XXXX in the amount of {$360.00}. This debt is delinquent since XX/XX/XXXX in which it had gone into collections. Moreover, Pinnacle Credit Services which is a debt buyer bought this debt XX/XX/XXXX. Furthermore, on my credit report it states debt was opened XX/XX/XXXX which is false information and is called parking an old debt and violates FCRA guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2018 about Debt collection (Auto debt) with TRANSWORLD SYSTEMS INC (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I recently submitted a claim for damage to rental vehicle through XXXX. On the way to return the vehicle, the vehicle was struck by another driver. Which cause substancial damage that increase the over total. I explained to the XXXX that there was a claim available and I do have representation. However, they have used tactics to damage my character for employment through partner companies. This ultimately damaged my ability to work and find closure. Nevertheless, XXXX knows about my mention of claim. I also stated to them that I will provide information for such filing. Secondly, XXXX says that I owe {$1000.00}. Finally, XXXX has not given me a fair shake after putiting me on the conversion list.

Company response to consumer: Closed with explanation