milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/29/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I disputed this debt with equifax because I do not owe anything to Midland Management LLC for a XXXX Account. I complained in XX/XX/XXXX on this site for them taking a check wrote to Asset Acceptance/XXXX and cashing it on this account for XXXX XXXX. They have now reported to equifax that I made a payment on XX/XX/2015 claiming that check was a payment. So no they have committed fraud by cashing a check not wrote to them and they have lied to the XXXX bureaus that report your credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: APR or interest rate

Complaint: The interest was raised from XXXX to XXXX and we try to deal with the interest raise and they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2017 about Credit reporting () with ERC (KY).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I had a XXXX account and it was turned over for collections back in XX/XX/XXXX. I returned the equipment to them in XX/XX/XXXX due to finding them in storage because they were loaded on the moving truck with other stuff. XXXX turned me over to collection company called XXXX and I seen this on my credit report. I filed a dispute on this and explained to them that this had been resolved in XX/XX/XXXX. They removed this from by credit report in XX/XX/XXXX. The amount was {$1000.00}. On XX/XX/XXXX it reported back on my credit report again. I disputed it once again and now it is under a company called Enhanced Recovery Company. I called them and told them to remove this and she said no I cant do that you owe the debt. Explained to her that this was disputed in XX/XX/XXXX and once again XXXX has turned it over to another collection company after it being removed in XX/XX/XXXX because I did not owe the amount. They are falsely reporting account to a collection company and I would like something done about it. I called XXXX and they said they would have to look into the credit and they can not have the account pulled from this new collection company Enhanced Recovery Company. I want something done about this at once or I will be contacting an attorney and the FDCPA will be reviewed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 03/15/2017 about Credit card () with SYNCHRONY FINANCIAL (VA).
Issue: Credit card protection / Debt protection

Complaint: I am recently retired XXXX service member who has been XXXX on and off since 2007, I got a Lowes Credit Card issued by Synchrony Bank. I have been paying my bills above and beyond my minimum, so I thought, since I have on-line statement. I recently checked on line to see all my credit balance since returning off XXXX and was shocked to see that instead of balance decreasing, it was increasing. The card security benefit was added without my knowledge and was charging me {$90.00} a month, so only XXXX dollars was going to interest and nothing was going to principle, thus increasing my balance and minimum and adding late fee. This has been going on for I do not know how long. In essence I have been paying XXXX towards the card security and interest ( half of it ) and nothing at times to principle. 
very respectfully, 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 monetary relief
Consumer complaint received 04/21/2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (DC).
Issue: Problems caused by my funds being low

Complaint: I received an overdraft fee from Bank  of American  on  XXXX  saying my account was overdrawn. I have a pdf of my online bank statements that shows based on what Ba nk of America  was showing me that I had sufficient money in my checking account ( as well as  XXXX  in my saving that I easily could have transferred over if I was in fact close to being overdrawn ). Talking with B of A they informed me that what I was seeing was my " statement balance '' as opposed to my " actual balance ''. If you look at the pdf, it states that it is showing my " actual balance '' and not my " statement balance ''. This seems like a deceptive practice that even the B of A person I spoke to admits is " happening to a lot people ''. This practice needs to be reviewed and I believe is set up to increase the amount of fees B of A can collect

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 Payday loan, title loan, or personal loan (Installment loan) with SYNCHRONY FINANCIAL (UT).
Issue: Problem with additional add-on products or services

Complaint: My girlfriend, XXXX XXXX, went to XXXX XXXX XXXX for a XXXX XXXX and XXXX XXXX XXXX. My girlfriend is only XXXX years old, XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX. The Doctor 's office used aggressive sales tactics to pressure her into a XXXX that she did not need. The XXXX went horribly wrong. My girlfriend had XXXX from the XXXX, and had to go back to the hospital for further care. She also became XXXX and was checked into a XXXX XXXX in Texas because she XXXX XXXX XXXX XXXX XXXX. I am making this complaint because I do not feel that the services rendered by the doctor 's office were done correctly. My girlfriend and I paid for the XXXX through a joint care credit account. Furthermore, we were charged the wrong interest rate and wrong loan terms with care credit. When I called care credit, they said I needed to call the doctor 's office. When I call the doctor 's office, they tell me I have to call care credit. XXXX XXXX XXXX. phone : XXXX XXXX XXXX XXXX, phone number XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN 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 08/23/2015 about Credit card () with BARCLAYS BANK DELAWARE (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: A few months ago, I received a voice message apparently was about my Barclay Credit Card. I returned their call to clarify the matter, but the person I talked to started to ask for my personal information including my SSN. Knowing that I do n't have any credit card with Barclay, I readily said that I am not giving any information about myself because I do n't have any credit card with Barclay and I have no intention of applying for XXXX. 
I continue to receive phone calls from them in which I did not pay attention for obvious reasons. Until I heard another voice mail that it was now under fraud investigation. Out of curiosity, I again returned their call. When I asked about the fraud investigation, the guy again started to ask for my personal information which I refused. I told him that I do n't have any credit card issued by Barclay and if there are applications under my name, they should not approved them. 
On XXXX XXXX, 2015, I received a mail from certain XXXX XXXX dated XXXX XXXX, 2015 informing me that their investigation has concluded and the fraud claim has been denied. That, I will be responsible for the payment on the account as well as any applicable associated fees and finance charges. I immediately responded to XXXX XXXX on XXXX XXXX, 2015 informing them again that I did not apply for any Barclay cards and have no intention of applying for XXXX. That I will not be responsible for the payment of any account relating to any Barclay Cards for it is obviously fraudulent. 
When I was checking my credit score yesterday via XXXX XXXX, I was so upset to learn that I have a past due account with Barclay amounting to {$1700.00} which is now XXXX days late with XXXX missed payment and at 86.15 % credit utilization. Apparently, the account was open last XXXX XXXX, 2015 but was just recently reported to the credit bureaus. This account was only added to my credit report after my last update on XXXX XXXX, 2015. 
I immediately filed disputes to all XXXX credit bureaus about this account. This fraudulent transaction had significantly affected my current credit score. Thus, this complaint.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09/29/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (OH).
Issue: Loan servicing, payments, escrow account

Complaint: This is really a two-fold issue. A complaint was issued against XXXX XXXX XXXX ( submission # XXXX ) for selling a mortgage XX/XX/XXXX for a home that was sold back XX/XX/XXXX. The issue with XXXX XXXX XXXX has been resolved. But now there is an issue with the place they sold the loan to : Select Portfolio Servicing. I have a stack of paperwork from SPS for demand payments and threats with foreclosure on this property. I have spoken with their customer service representative numerous times since XX/XX/XXXX, when this all started. I have been told that their records indicate it was resolved XX/XX/XXXX. Since that time, I have been trying to get a written document stating, this loan was sold erroneously and there was NEVER a loan that should have been processed. I do NOT owe {$65000.00}. I want documentation stating those facts along with a written guarantee that this will NOT be reported to the credit bureaus. After numerous calls speaking with reps AND supervisors, all I can get is their " word '' that it has been taken care of. Not good enough! This headache came out of nowhere through the fault of XXXX XXXX XXXX and/or SPS. At this point, I do n't care who is to blame, but since SPS seems to be able to send me stacks of demand notices and threats, I 'm sure a letter stating ... .oops someone XX/XX/XXXX up and you are in clear must be asking for too much. This is all I want .... Would really like an apology but I definitely know THAT is asking for too much.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2016 about Bank account or service (Checking account) with U.S. BANCORP (NV).
Issue: Using a debit or ATM card

Complaint: So in XXXX I was in Florida on Vacation while someone used a fake debit card to withdraw {$800.00} from XXXX ATMs. XXXX which was a US Bank ATM. I contacted US Bank as soon as I saw this the Monday that I was back. From there they conducted an investigation that took until XX/XX/XXXX to tell me that I was denied. When I called them a lady who has never seen me in person handling my case told me that I was verified on film. So I gathered my plane ticket, as well as credit card statements proving that I was in Florida and not Nevada at the time of the incident and went to my local branch so that if their was video they could see it was n't me and I had documentation to show it could n't have been me. That was in XX/XX/XXXX where I asked them to reopen my case. From there I called about every other day with no response from my case processor until XXXX XXXX, 2016. She told me that it is on film and to contact metro if I had a further dispute. So I contacted metro, and filed a police report. At that time I learned that cards were being skimmed from the US Bank ATM 's in my area, which the bank failed to mention during their investigation. They also told me that because so much time had passed that they could n't do anything, but that XXXX people had been arrested. I do n't think it is fair that I am out {$800.00}, which is significant to a XXXX, when they were provided documentation that it could n't have been me. They also drug it out so that I could n't get help from the police either. I thought they would be investigating that they allowed someone to take out my money that I entrusted to them, from their ATM, using a fake card. At this point I feel that it is their responsibility to correct the problem and go after whoever they have on film that they allowed to take my money.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Problem with fraud alerts or security freezes

Complaint: Equifax system has been hacked and it says I 'm a possible victim. XX/XX/XXXX2017.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (NV).
Issue: Account opening, closing, or management

Complaint: Complaints [ Bank of America, Home Equity Line of Credit ( HELOC ) ] : ( 1 ) Numerous software/customer interface problems. 
( 2 ) After repeated requests, unable to obtain the " loan application '' referenced in the signed " Borrower 's Certification and Authorization, item 1 ''. In the same paragraph, item 1, it states that " I certify that all of the information is true and complete. '' ( 3 ) I was also unable to obtain the " loan '' details until just before closing, in which items unknown and never discussed were verbally communicated to me. 
( 4 ) After I gave them the ultimatum that " If I did n't get a copy of the loan application I would not close '', no more of my questions were addressed and they just wanted us to sign the closing docs. We never did and I am currently going through the process with other banks. 

Note : I have detailed information and content on all correspondence with the following contacts. 

Contacts ( telecons, emails, and CCs ) : - XXXX XXXX ( XXXX XXXX ), Mortgage Loan Officer ( evaded my email questions and always wanted to hand me to others ) - XXXX XXXX (? ), Chairman and CEO ( CCs triggered many responses and moved the process time from 6-8 wks. to 4 ) - XXXX XXXX (? ), XXXX XXXX 's manager ( no responses ) - XXXX XXXX ( XXXX ), VP, Fulfillment Team Leader - Consumer Lending Client Experience ( seemed very responsive, but stopped communicating after item ( 4 ) above ) - XXXX XXXX (? ), Site Operations manager ( I left a return call message, no response, and he later claimed voice mail issues ) - XXXX XXXX (? ), Home Services Specialist ( responded well, expedited process, good performance ) - XXXX XXXX ( XXXX ), Inbound Specialist ( the best customer experience that I received, actually seemed concerned and answered all of my questions ) - XXXX XXXX (? ), XXXX XXXX 's manager and Call Center Supervisor ( after discussing my loan app concern and ultimatum in items ( 2 ) and ( 4 ) above, she said she would get back to me with a resolution in two days, and she never did )

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 07/27/2016 about Student loan (Non-federal student loan) with AES/PHEAA (NH).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I cosigned a college loan of my daughter 's in XX/XX/XXXX. The Lender was XXXX XXXX but it was assigned to National Collegiate for collections. 
My husband and I filed Chapter XXXX in XX/XX/XXXX and the court granted us a discharge in XX/XX/XXXX. When we filled, we were told that no college loans could not be included in a Chapter XXXX bankruptcy. Immediately after the our Chapter XXXX discharge, we filed for Chapter XXXX protection while we worked out a payment plan for IRS back taxes and and this college loan. We completed all Chapter XXXX payments in XX/XX/XXXX and were granted a discharge XX/XX/XXXX. 
The original college loan amount was {$30000.00}. Prior to the Chapter XXXX Bankruptcy we had paid {$9900.00}. The total of payments made to National Collegiate through the trustee were {$7300.00}. In total we have paid XXXX/National XXXX a total of {$17000.00}. 
It was our understanding when National Collegiate accepted the Chapter XXXX payment plan, successful completion of those payments would satisfy the loan. Now they want us to cover a " net charge off amount of {$26000.00} ''. Given this, what if anything do we rightfully and legally owe National Collegiate. 
National Collegiate has told our lawyer we were given until XX/XX/XXXX to respond to their demands, so this matter is of some urgency. Please let us know what rights we have in this case and recommended the next steps. 
Thank you very much for your time and we are so glad you exist. 
Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2016 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I applied for a new service with XXXX on XXXX XXXX, 2016. I requested that they not pull my credit report, and that I would pay the {$100.00} security deposit to forego the credit check. I have the receipt from XXXX. They still pulled my credit report without my permission. I disputed this information with Equifax, and I was denied because they said hard inquiries are " factual data '' and there is nothing that can be done on their end. I initiated a ticket with XXXX at the end of XXXX, and was assured it would be removed. Ticket # XXXX. I called XXXX XXXX for an update and they said someone was taking care of it from collections and would call me within 24 hours to confirm everything was taken care of. It is now XXXX XXXX and nothing has changed. I called XXXX XXXX, and no one knows why the ticket was closed, and can not provide information as to why the hard inquiry is still on my report. I have the receipt of {$100.00} to show proof of my deposit. XXXX can not access my credit report without my permission. Can I sue under the FCRA? There has to be protection for the consumer. This is ridiculous. I 've wasted more time, and my privacy was violated.

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2015 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (VA).
Issue: Shopping for a loan or lease

Complaint: XXXX and XXXX XXXX XXXX XXXX VA XXXXRe : Unauthorized Credit InquiryDear Creditor, I recently received a copy of my XXXX and XXXX and XXXX credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from both credit files because it is making it very difficult for me to acquire credit. 

Send us written authorization that gave you access to our credit files. 

SS # XXXX XXXX XXXX # XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2017 about Debt collection (Credit card) with BARCLAYS BANK DELAWARE (KS).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: On XXXX XXXX, 2016, I was informed by my father I received a letter at his home from the referenced collection agency. Upon calling on the same date, I spoke with a XXXX XXXX who stated my account was in a " Pre-legal state. '' I immediately asked to speak with a Supervisor and was connected with a " XXXX '' who said that they state that on all of their calls for this credit card because the creditor makes a decision if they will close the account and have their in-house attorney sue on them. 
This is a clear violation of Section 807 " False or Misleading information '' of the FDCPA, because the referenced statement implies the collection agency could sue me when it is up for the company, and even by " XXXX '' own admission the collection agency does not sue people. 
Additionally, legal action would not be immediately taken, as the attorney is required to send a letter of demand/validation notice before filing a petition with any court. 
I also feel the name XXXX XXXX XXXX is deceptive as it implies they are a location company, not a debt collection agency. 
Additionally, I have never received a validation notice regarding this account, as I stated I had moved and was never asked for an address on where to send the validation notice.

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 04-06-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (CT).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Original debt was to XXXX. After the debt went into collections, a company named " XXXX '' ( XXXX reference # XXXX ) contacted me to collect. I asked for debt validation, they were unable to do and removed the negative report from my credit report. A few months passed, now another agency " Convergent Outsourcing Inc '' is attempting to collect on the same exact debt which was previously removed. I asked for debt validation and all they sent me was an old bill from XXXX. How can they collect on a debt thats already been removed from another company? Is an old bill sufficient enough to prove debt validation?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (SD).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Navient called and informed me that they would initiate litigation unless I worked with them to bring my loan current within 4 days of XXXX XXXX 2015 ( referred to as 'today ' ). They asked if I could pay the loans totally XXXX in full today, and I responded I could not. They then asked if I could pay 85 % of the loans today and I responded I could not. They then asked if I could make a XXXX dollar payment today to bring the loans current and avoid litigation. I said I could not. I offered to make a payment at XXXX the normal amount today, as well as XXXX next month and so on until my loans are current in XXXX 2015. I 'm not sure how current or paid in full or else recommended for litigation in 4 days then turned into current 4 months from now and I 'm no longer in danger of litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2016 about Credit reporting () with EQUIFAX, INC. (NM).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax is ignoring my numerous requests to investigate, verify and remove accounts from my credit report that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (DE).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I have had my loans since 2004 and was told at the time that they should be paid off in 10 years and I still have more than {$5000.00} left on the loan that was only a little over {$10000.00} I attended XXXX XXXX which is no longer in existence

Company response to consumer: Closed with explanation