milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-04-2016 about Debt collection (Non-federal student loan) with Diversified Consultants, Inc. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I 'm currently in contract to get a home loan a debt came up on my credit report from diversified collection agency which I contacted and they explain to me is from a time warner account under the name of XXXX XXXX which is not me my name is XXXX XXXX. This agency said my social security was used to open this account and they received that account from XXXX. I contacted XXXX they assure me and confirm that account was not open with my social security number or my name and I 'm an not affiliated with that account at all and they do n't know why that collection agency is trying to collect from or why they are saying my social security was used to open the account. There 's no fraud committed the only fraud I see is this collection agency pinning this debt on me. I believe is because yes I went through collection for a minor amount about 8 years ago and me and this person have the same last name so they picked my social security number to pin this on my credit report. So I was forced to pay the debt in order to make sure I get my home loan. But I did it in a dispute with XXXX which suppose to contact that collection agency and confirm that debt is not mines. I explain that to the collection agency but they still think is me I told them I want my money back asoon as this clears out. It seems like this collection agency do n't want to hear me out. It is not right what they are doing I 'm more upset about not getting this loan for my first home because they decided to mess up my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2016 about Credit card () with U.S. BANCORP (DC).
Issue: Billing disputes

Complaint: There were several items that were never dlivered form XXXX so a series if cgarge backs intitiated. As US Bank is the lease customer advocate organization in the world, i recall that they didnt follow the procedure nor process for follwing the law and submitting my chargeback. 
I reccomended we close the card out so it couldnt be shared amoingst other parties. I assumed that they would send me my new card out. However when It didnt show for 2 weeks, I got concerned. I called them and US Bank said a new card wasnt issued. They lied and said it was because i didnt want one. That is a complete lie, fabrication, and a shocking statement for a bank employee to make. You would think once it was identified that there was an issuem, which was the fault of the bank, they would reissue the card, They havent and I want a new 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 non-monetary relief
Consumer complaint received 03-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: SENT THREE LETTERS TO THIS COMPANY ASKING THEM TO REMOVE THESE CREDITS FROM MY REPORT BECAUSE THERE IS NO CONTRACT WITH THESE COMPANIES ; THEY ARE SHOWING THE ACCOUNTS AS CHARGED OFF AND CLOSED ; AND UNABLE TO PROVIDE PROOF OF DEBT. 
UNFAIR REPORTING XXXX  XXXX XXXX ( REPORTING OPEN DATE AS XX/XX/XXXX ) XXXX XXXX XXXX ( REPORTING XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX UNIVERSITY 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 non-monetary relief
Consumer complaint received 10-02-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Billing disputes

Complaint: With CapitalOne Bank I have wasted a lot of time during the last 4 months ( since XXXX/XXXX/16 ) while trying get back my money that a merchant stole from me. CapitalOne just keeps putting me through hassle again and again - by making me talk with its reps on the phone, fill out endless paperwork as a formal dispute, explain it all over again and again ... I have already filed a claim with XXXX before on this matter. All useless. The disputed amount keeps being refunded on my credit card and then rebuilt/charged back. I am not going to talk it over here again. Now, my resolution offer is as follows : send me a CHECK on DOUBLE disputed amount. Period.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (MI).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: This is my second complaint Against midland with no resolution on account number XXXX. I have pulled my credit reports again due to another alert. Again the midland account has updated a collection as an open collection account on my credit report bringing it current. I 'm beginning to think Midland is now intentionally causing harm to my credit as it has changed numerous of times over the course of the last 8 months. I have disputed and disputed this only to comeback verified as reporting correctly when it 's not reporting correctly. Its showing a payment history up until XX/XX/2016, Showing an updated date of XXXX/XXXX/2016, the account shows open, when in fact it 's not an open collection account.. I am requesting a formal verification of accuracy or have the tradeline completely deleted from my CR. 
I believe this is in direct retaliation due to the disputes and the current XXXX Settlement Case No. XXXX XXXX. The FRCA has guidelines in place that if an account is reporting incorrectly that it must be corrected or deleted according to the metro XXXX CRA reporting guidelines. Midland is shifting the blame once again on the CRA 's and I have submitted proof after proof that it is reporting incorrectly and keeps reporting incorrectly. So either midland is intentionally reporting it, or the CRA is intentionally reporting it incorrectly. I am bringing it again to midlands attention and the FCRA that it is in fact reporting incorrectly. and it should be deleted. This screen shot is directly from the dispute page of XXXX. I 'm not disputing it again through XXXX. I need this taken care of ASAP please. I have talked with the CRA 's and they have told me the only way to have it corrected or deleted is by midland doing it. They can not change and or delete the account without the consent of midland. So I 'm bringing it to the CFPB to help with the issue

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2016 about Debt collection (I do not know) with ACE CASH EXPRESS, INC. (MN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I noticed on all XXXX of my credit reports that there is a collection from ACE CASH that i have no knowledge of, have never dealt with them before, and believe its due to an identity theft. I want this collection removed and to not report again or i will be seeking further action.

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Problems caused by my funds being low

Complaint: I got a XXXX dollar overdraft fee charge. I should not have been allowed to use my debit card but I was able to use it and I was assessed this charge for being negative.

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 01/29/2018 about Debt collection (Other debt) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I have attached 2 complaints against XXXX XXXX. 

I has disputed XXXX XXXX XXXX XXXX that appeared on my credit because I did not know who they were. And before I could even get results, the name changed to XXXX. I disputed that item, the company could not be reached and it was sent to the FTC regulator and the item was removed from my credit. Then XXXX sold the debt to XXXX XXXX. The letter informed me that I had 30 days to notify them in writting if I disputed the debt. I immediately called them to inform them of the dispute status of the original account. You can read the attached complaint. The notified me that they would not report and remove the item from my credit files until they completed an investigation and notified me of the results. At the time I filed the complaint they were not showing on my credit file, but then XXXX XXXX   appeared. I was suprised as I had not received any notification of the results of investigation. So I filled out a second complaint, you can see the attached complaint. They did not respond, I am waiting for a response and the item is still on my credit. It is a deceptive practice to say they are going to do one thing, and then take a negative action against me that is contrary to what they said they were going to do. This items needs to be removed from my credit as they violated my rights as a consumer 1. For reporting an item that had already been removed 2.  Not responding in a timely manor. 3. Taking a negative action against me after saying they were not going to report the item till they notified me of the results of the investigation. 

I called the company Friday to try to figure out what was going wrong, why they were not responding, they said you trust consumerfinace.gov to transmit information to us. I spoke with three people, I still have no clue as to why this item still appears on my credit history. Every person I spoke with said they were a manager or a boss, when questioning if that is their real position, they get mad. I feel that they are liars, that really do not want to offer resolve. They said it is your address and we they delivered it to your house. They provided me with some images that show someone picked the merchandise up from the ware house and that the items were not delivered to my house, and that the person who picked it up had a different name than me. 

Please remove immediately.

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 10/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Capstone Credit & Collection, LLC. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: There is an unknown account listed which I have disputed and requested validation which came back to me in the mail. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Credit card or prepaid card (Store credit card) with TD BANK US HOLDING COMPANY (FL).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: This card been reporting on my credit file for about three years, I went through the credit bureaus and I went through the original furnisher which is XXXX/TD bank, I informed them that this account was fraudulently obtained in my name they sent me out a fraud packet, well I think TD/XXXX sent this account to a third party and may not really be the collector however they are the ones that is reporting on my file .... but they sent me a fraud packet I filled it out paid my {$10.00} to have it notarized only to not ever hearing back from them, the investigation should have took no more than 30 days, I need them to remove this account from my file or send me the original contract for this account as stated in the fcra guidelines and I know they dont have any contract because I did not open this account .... I need them to remove this account this been going on way too long with no resolution, so I finally have to file this complaint before taking legal actions against this company ....

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NJ).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I was sent emails stating that they would assist me with an income-driven repayment plan. Not only was I deceived in their intent to assist me but after numerous delays in processing by Navient to start the deductions, they notified the credit reporting agencies that I was late in my payments and now I have lost XXXX points on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2016 about Credit card () with DISCOVER BANK (PA).
Issue: Customer service / Customer relations

Complaint: I recentally went though a financial hardship and got behind on my Discover credit card. My acount was understandably suspended. I was able to get things back on track around XX/XX/2015. I spoke to a Discover card employee and explained my situation and advised I was able to pay my balance in full but asked if there was any way to get my account reactivated. She advised me that after 3 months of on time payments I could call and request to have my a count reinstated so I followed her advise. After 3 months I called to follow up and was told it was 6 months and I had to fill out paperwork which he would mail to me. A month later I never recieved the paperwork, called back in and was told they would mail it to me again. Now yet another month later, and no paperwork, I called to follow up and was told there was no paperwork involved and the computer automatically decides what accounts to reinstate or not reinstate at random. I am trying my best to get my credit back on track and make up for my mistakes but Discover has continental to play games with me and give me false and varrying information each and every time I call. Had I known this I would have paid the account and closed it months ago but instead I followed the false advise I was given. I am very disappointed in there lack of customer service to say the least.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Debt collection (Credit card debt) with Global Portfolio Recovery, LLC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: To CFPB We have previously filed a complaint against XXXX XXXX XXXX XXXX concerning an account they are reporting to the credit bureau for XXXX XXXX. They say I had a credit card with a XXXX dollars credit line they also say I had one with a XXXX XXXX dollar credit line, both are incorrect, I never had a credit card with this company. 
Portfolio says that they will not answer our inquiries concerning this matter as we have made many attempts to verify this matter. Portfolio  has never proved I or any one here has had a card with XXXX XXXX, no, what they have done is send some copy of a bill which the FTC says is not proof that that bill is owed by anyone. 
We have filed this complaint against them because of this inaccuracy and also in filing other complaints against them in XXXX we have found that Portfolio  is not properly licensed in the state of Texas therefore, our attorneys will be filing criminal charges against Portfolio for attempting to collect a debt not owed by me and not being registered in the state.

Company response to consumer: Untimely response
Consumer complaint received 04-12-2017 about Prepaid card (Gift or merchant card) with U.S. BANCORP (CA).
Issue: Unauthorized transactions/trans. issues

Complaint: I purchesed a prepaid gift card and put {$300.00}. On it at register. When i opened packaging I noticed te last 4 digits of the credit card number were scratched of by someone. I immediately went back to vender ( XXXX ) who then called card services at US Bank. Card services explained that the card was good and to use it with last XXXX digits that show on receipt. After the card declined i once again called card services who again told me the card was good and to try using it at XXXX to purchase something. Of coures it declined and by that time someone had already stolen the funds. Card services fraud explained it would take up to 90 days to investigate. After calling twice for status and being told there was nothing yet to tell me it has now been 91 days. They told me they have no notes at all for me and are escalating an enquiry. I feel ripped off by US Bank as much as I do by the persons who used the card. US Bank has had three month to resolve this and hasnt. They dont even have any information for me what so ever. The card was clearly purchased compromised and I am entitled to a refund.

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 08-03-2016 about Payday loan () with Nationwide Debt Management Solutions, LLC (WA).
Issue: Charged fees or interest I didn't expect

Complaint: I fully paid the loan and XXXX continued to try to collect more money. They have now sold my information to Nationwide Debt Management Solutions. I advised NDMS that I had paid the loan ( {$3000.00} for an {$800.00} loan before I closed my account ) and not to call me. They are calling me at work and I am going to lose my job if they do not stop. Today they faxed over and employment verification with my social security number on it to a fax machine that everyone in the entire company has access to.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: After reviewing my report I noticed several inaccuracies on my report regarding this account. I have made serial attempts to correct the problem with the creditor and credit bureaus. I requested validation of the debt from the Creditor and the Credit Bureaus. Under the FDCPA and FCRA, this information must be validated upon request. I have made several request for validation of all factual data being reported but the Creditor and Credit a Bureaus have not provided the proper validation which violates my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2015 about Debt collection (Non-federal student loan) with ConServe (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I am writing on behalf of my teenage son, who just turned XXXX and was a student at the University XXXX XXXX Florida in XXXX. He stopped going to school temporarily until he could decide what he wanted to study. He knows he owes the university money, but he received absolutely NO communication from the school regarding his debt, not even a notice that his debt would go in to collections if he did not submit a payment. 

My son was first contacted by PHONE from the XXXX XXXX XXXX collections agency of XXXX, NY. This was his first ever dealing with debt and neither I or his mother were home to advise him. Instead, the company told him over the phone they needed his credit card number and to pick a date to start taking money out of his account. About a week later, on or about XXXX XXXX, he received a debt collections letter and a few days after that they removed {$360.00} fro his bank account. 

I am upset with the University XXXX XXXX Florida for failing to contact my son FIRST to try to make an arrangement to pay. There were no letter sent to our house, no phone calls made to alert my son they were going to send his debt to collections if he did n't make a payment. 

Both the University XXXX XXXX Florida as well as the XXXX XXXX XXXX XXXX XXXX ( ConServe ) took advantage of my son and did not provide him with an adequate opportunity to make arrangements to pay back the university. Furthermore, the collections cost on his {$3300.00} debt was {$1000.00} -- approximately one-third of the cost of his debt. NO credit card company, no mortgage lender, no bank I know of levies a 30 % penalty on debt, especially without attempting to make an arrangement to pay. 

The university should be ashamed of themselves for this practice. My son simply did not know how to react and this is his first " real world '' challenge as a young adult.

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2017 about Debt collection (Other debt) with CNG HOLDINGS INC (SD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I previously submitted a complaint for what I thought was a debt that was not mine. A {$720.00} amount showed up on my credit as a collection with the orignal lender listed as XXXX XXXX and the collector listed as XXXX XXXX XXXX XXXX XXXX. I had NO idea what this was. XXXX XXXX XXXX XXXX XXXX responded to my complaint with the documentation showing it was a purchase at XXXX. This cleared everything up for me! YES, I did make a purchase of a {$370.00} tv at XXXX, on what I thought was a take home lay-a-way program which is EXACTLY how it was described to me by the XXXX employee that sold me the tv. The tv was {$370.00}. I was n't going to buy it but the employee suggested their payment plan. He said it was just like lay-a-way, only you got to take the merchandise home, and make payments until it was paid off. The payments were set up for auto pay. That sounded great to me! I gave him the info, signed something on a key pad and left with the tv. The payments started coming out shortly thereafter. Please see attached bank statements showing payments that came out of my account from XXXX through the end of XXXX. The last payment came out on XXXX XXXX. By my calculations, I made {$420.00} in payments automatically. A reasonable person would think that when the payments stopped, the item was paid in full. I WAS NEVER TOLD OTHERWISE. According to the payment agreement that was provided to me by XXXX XXXX XXXX XXXX XXXX ( which I have attached as well XXXX, there should have been XXXX final payment on XXXX XXXX of {$30.00}. I do not see that payment on my bank statement. I do not see an attempt, or an overdraft fee or ANYTHING. So this whole collection is over a remaining balance of {$30.00}?!!! Are you kidding me?!! PLEASE, I need this looked into. There is no way this can possibly be legal or ok. I was NEVER given a copy of the agreement or any paperwork at all, other than a receipt. My phone number has been the same for 10 years. I did move a mile away but my mail was forwarded. I never received ONE phone call. I never received one thing in the mail telling me I still owed money!! I do not pay things late, I have good credit. I would have never let something so small just go delinquent. I was never given the opportunity to make it right. A full YEAR after I thought this was paid in full, I get hit with a collection!! This is WRONG. It is deceptive. And I fully intend to take it as far as needed to make it right.

Company response to consumer: Closed with explanation