milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Convergent Resources, Inc. (WA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX and Convergent Collection agency have filed false and inaccurate information about an alleged collection account on my credit report. 

I closed my account with XXXX in XXXX, having always paid my account in full, purchased my devices outright and having no further obligations or being subject to any Early Termination Fees ( ETFs ). When I requested that XXXX port my numbers to my new carrier, they initially refused to do so and claimed I owed ETFs. 

After scores of hours of phone calls, emails and faxing a copy of my contract to XXXXXXXX XXXX customer service and managers -- all over a several week period ; I finally filed complaints with WA State AG, FTC and BBB. Within days of my complaints, XXXX wrote to apologize for their " error '' and confirmed that I owed them nothing. They allowed the porting of our numbers to our new carrier, as required by law. 

I thought that was the end of it, until last week when I requested a copy of my credit report following the security breach at Equifax. It appears XXXX sold the non-existent debt to Convergent Debt Collectors, which then took the liberty of changing the date of last activity on the account from XXXX to XXXX. I believe Convergent has intentionally and knowingly filed a false and inaccurate report on my credit files ; the only negative item on an otherwise stellar credit report. 

Not only do they XXXX and XXXX XXXX know this is a non-existent debt, they have changed the date to XXXX in order to make it appear like a recent activity and have the maximum derogatory impact on my credit report ( which has typically been above XXXX as I am meticulous about paying all my bill on time ). This is not only damaging and infuriating, it has taken a substantial amount of my time and I am particularly disappointed in XXXX ( Convergent appears to be a bottom-feeder collection agency, so the expectations are substantially lower ).

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 09-07-2016 about Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (IL).
Issue: Loan servicing, payments, escrow account

Complaint: I notified my Mortgage Company, Freedom Mortgage, on Apr XXXX, 2016, that XXXX of my parcels taxes had not been paid from my escrow account. They ended up only paying for XXXX of them. Now my taxes have been sold at tax sale in XXXX 2016, and I have started the process of redeeming them myself. I have notified them, but I only get a boilerplate response that they have received my communication. This is not acceptable.

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 10/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX and XXXX still turns me down what do they need a perfect score cra violation for reason and hippa XXXX has XXXX up my report totally this need to be corrected right away

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/28/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Account opening, closing, or management

Complaint: Gentlemen, On XX/XX/XXXX I opened a checking acct with CHASE BANK for my DIRECT DEPOSIT OF MY PAYCHECK. CHASE BANK sent me a promotion that I will receive a {$300.00} bonus after my first direct deposit. 
I have had XXXX direct deposits thus far and when I called CHASE they said that these deposits were not DIRECT DEPOSITS but XXXX. Maybe I am not understanding this but I did not receive the checks and then deposit, they were electronically sent to my acct. They denied me the {$300.00} bonus, another scam by Big Banks. 

Your attention to this matter is greatly appreciated. 

Thanks you XXXX XXXX XXXX XXXX XXXX XXXX, ny XXXX XXXXXXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2017 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (NV).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: On XXXX XXXX, I came to a settlement agreement with XXXX XXXX XXXX, a representative of the collection firm XXXX  and XXXX XXXX. concerning the listed file number. I was forced to reach an agreement with this representative due to Capital Ones refusal to work with me. My contact through Capital One was XXXX XXXX and it was difficult to reach him and get responses or answers in a timely manner. While his letter referred me to XXXX and XXXX to resolve the account, I had on more than 1 previous occasion rescinded any rights to transfer my information or account outside of Capital one. As a result of forcing my hand, per the attached settlement letter, the amount of {$4100.00} was paid in 2 installments of {$250.00} on XXXX XXXX and {$3800.00} on XXXX XXXX as the enclosed copies of the payment receipts show. As a result of my payment in full, I contacted XXXX on XXXX XXXX, XXXX at approximately noon to request an immediate paid in full letter to be emailed to me at XXXXXXXXXXXX as soon as the payment had cleared. This representative became rude when I stated that I wanted the letter to be sent to prevent any additional fees to be suddenly added after my final payment. The final payment cleared my bank as of XXXX XXXX and 2 weeks have passed with no letter of confirmation of payment in full. I felt very threatened when XXXX had a court appointee bang on my front door hard enough to dent the strike plate and damage the latch in order to issue a summons at the beginning of this entire confrontation with a letter in the summons dated from XXXX XXXX, XXXX and presented to me on XXXX XXXX, XXXX. On my initial contact with XXXX, I expressed my complaint at the way the summons was served and that my wife and I felt threatened at the scare tactics used. His response to me was Im a lawyer so I know the law and I dont care what you do and his language was very confrontational and his statement about the aggressive tactics were to get my attention. I am requesting a completion of payment and paid in full letter in accordance with my request to XXXX and in accordance to the total in the agreement letter to be mailed within 24 hours of your receipt of this certified return receipt letter. This letter and its accompanying documentation will be mailed to both XXXX and XXXX and Capital One and will be retained for any possible future action that might be needed. I will be notifying the Better Business Bureau and the Consumer Finance Protection Bureau about this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2017 about Debt collection (Medical debt) with Professional Choice Recovery, Inc. (NE).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: Professional Choice Recovery refused to identify their company after repeated specific requests to do so. They would only identify after threats of reporting to local law enforcement and state 's attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2015 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: my phone was stolen by a FORMER friend, who used my identity.I WAS TOTALLY UNAWARE OF THIS COLLECTION UNTIL I TRIED TO GET A CAR THIS MONTH.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Transunion received my documents XX/XX/2015. XXXX XXXX Ireceived investigation results. They deleted XXXX XXXX, butregarding XXXX & XXXX I 'm told I must contact the creditors? 
Why is it my job? Transunion is not in compliance with the law. 
Do I need to hire another expensive lawyer to expedite this? 
XXXX was my legal team. I 'm done. They submitteddocuments to me which I submitted to Transunion ; as well as ; theother XXXX credit bureaus. Again I ask, why the discrepanciesbetween my documents and the inflated figures provided by thebanks?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-11-2017 about Mortgage (Conventional home mortgage) with NAVY FEDERAL CREDIT UNION (TN).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: DISCRIMINATION AND UNFAIR BANKING PRACTICE On    XXXX   XXXX   XXXX      my wife and I applied for a mortgage loan through Navy Federal Credit Union. Within  48 hrs., w e submitted all requested and required documents to the bank representative who scanned them through their electronic portal.  <P/> Despite our A+ credit worthiness, income, employment stability, and demonstration of our qualification, the bank has continued to delay our preapproval by profiling us, and discriminating against us while using unethical banking practices, and insisting we  apply for an FHA loan, oth er loans, and loan terms that are a disadvantage to us.  <P/> We have contacted the bank representatives countless times to obtain the status of our application but we continue to receive unusual delays and responses. We even escalated our concern to a supervisor only to receive more excuses, delays and unusual requests and responses.  <P/> We 're about to close on our existing home and we have found a home that we 're interested in purchasing, but  NFCU  could care less that their delays will force our family to endure unnecessary hardship and homelessness.  <P/> We are appalled that this conduct and practice is allowed to exist. We are seeking assistance on a resolved end to this madness.  <P/> Please contact us at  XXXX  or  XXXX  XXXX  XXXX  should you need additional information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX - Inquries are not mine. No knowledge. 
XXXX XXXX XXXX, XXXX XXXX XXXX, Citibank, XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2016 about Bank account or service (Checking account) with CITIBANK, N.A. ().
Issue: Account opening, closing, or management

Complaint: I have an Executive Global Banking Account at Citibank. 
In XXXX XXXX, trying to use internet banking, I note that my account was blocked without any notice. Since then, I have call the bank several times and they always tell me that my account manager will call me back, but she never calls. At XXXX XXXX I spoke with my account manager assistant, who told me that the bank was " evaluating '' my account and the will let me know the conclusion shortly. Since then, I have send several emails to my account manager and her assistant without any response, but every month the bank charges me the management fees to my savings even when I cant make any financial operation with my money. Literally, the are stealing 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 06-08-2016 about Credit reporting () with EQUIFAX, INC. (DC).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: A formal complaint was sent to Equifax via USPS certified mail on XXXX XXXX, 2015 and was received by its agents on XXXX XXXX, 2015. The following account has been under investigation well beyond the XXXX45 days allotted by the FDCPA. XXXX is the account in question and I request that the erroneous account be removed from my credit profile. ( See : Attachments ) All documentation supporting my claim has already been received by Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-05-2016 about Debt collection (Credit card) with JH Portfolio Debt Equities, LLC (NY).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: XXXX uses deceptive and abusive business practices. Made Phone calls to my work. 
Waited 20 days to Tape a Notice of Commencement of Action Filing papers on my front door with all my information and details displayed for the public and all to see and read. A friend who came to visit read the posted notice and alerted me at work. I immediately left work early to come home and remove the notice from my door. As soon as I came home, my neighbor informed me that he had read the notice and was going to call me. It was embarrassing! I immediately took a picture of the posted 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 07-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: Since XXXX XXXX, 2017 I have asked XXXX XXXX XXXX and the credit bureaus that they formally substantiate all account history data XXXX XXXX XXXX transmitted to credit reporting agencies for me, regarding the suspicious account. My letters have largely been ignored by each credit reporting agency. I have not received an answer. They have all failed to provide a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. XXXX XXXX XXXX and the credit reporting agencies are being willfully non-compliant in my request for verification of debt. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I initiated a dispute with all XXXX credit bureaus regarding XXXX XXXX credit card account XXXX. The investigation came back as verified, however I did not ask for verification that the account was mine, I asked the CRA to verify the date of first delinquency being that there is conflicting information for this account as to when the first delinquency occurred ( see attached report ). This account is approximately 7 years old and should be deleted from my credit file.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2016 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I had an account with XXXX XXXX XXXX XXXX in XX/XX/XXXX, first reported delinquent XX/XX/XXXX and written off by the company in XX/XX/XXXX. In XX/XX/XXXX XXXX XXXX XXXX purchased the debt. I was not aware of this until recently checking my credit report. They are reporting the date the account was opened as XXXX XXXX, XXXX and continue to report delinquency up to this month XXXX XXXX. I have disputed this several times with the credit reporting agencies and they are doing nothing about it. This debt is being reported incorrectly by XXXX XXXX XXXX as the debt is too old to show on my credit report. I called the original creditor, XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX to confirm the dates and they stated the debt was too old and should not show on my credit report by XXXX XXXX. Since I am getting no help when trying to communicate with the credit reporting agencies, I am filing a complaint with the CFPB. I appreciate any help you can give to correct this issue.

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 02-07-2017 about Bank account or service (Other bank product/service) with COMMERCE BANK (FL).
Issue: Making/receiving payments, sending money

Complaint: Commerce bank the lender for a buyer has required the Seller to transfer ownership in an LLC as a requirement for the Buyers loan prior to the lender funding the transaction. This highly unusual and unprofessional requirement is predatory at best and puts the Seller at unnecessary risk.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2017 about Mortgage (Conventional fixed mortgage) with QUICKEN LOANS, INC. (TX).
Issue: Application, originator, mortgage broker

Complaint: I received a loan estimate for Quicken Loans on a new construction home. The loan estimate is what I used to select the mortgage company I selected. Quicken 's loan estimate indicated a {$2200.00} Adjustment/Credit, which I inquired about. I was told by the loan originator that it was money collected from closing which would be forwarded to other parties, such as insurance and HOA dues. This seemed to make sense because I had explained I did not want to escrow my taxes or insurance. The " cash to close '' amount is specifically what I used to proceed with Quicken, rather than the builder 's mortgage company, who was providing {$2500.00} incentive to close with them ( XXXX ). 
A week before closing, my loan estimate went up by {$3000.00}, even though they removed the homeowners insurance amount, as I paid this up front with the insurance company. When I inquired about the jump with mortgage loan originator, he referred me to his supervisor, XXXX. XXXX explained the problem was a calculation error and that it had to do with pro-rated taxes which the builder was responsible for which was no longer available since the loan moved from XX/XX/XXXX to XX/XX/XXXX. 
After I researched on my own about what Adjustments/Credits should include, I found that what both the originator and supervisor explained is simply not true. My understanding is that the Adjustment/Credits would include items collected in the loan and other charges section, which would be paid by someone else and not the buyer 's responsibility. 
So now I 'm confused as to why the ever had a credit listed on my loan estimate, which was never a valid credit to begin with. It seems to me this may have been used to lure me with a lower cash to close, only to remove it once my loan was close to closing so I had no choice but to continue with the loan. I 'm providing a loan estimate received on XX/XX/XXXX which had the credit, and the recent loan estimate dated XX/XX/XXXX with it removed. No explanation ever provided.

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: After reviewing my credit file I notice two accounts that are the same account being reported on my credit file. Under the FCRA, it 's not illegal for birth to be reporting but under the law they both can not be reporting a balance. I have disputed this information several times and the credit bureau continues to state this information is correct. Under the FCRA sec XXXX this is an illegal practice and they should know this can not be done. Reporting both items with a balance has help destroy my credit worthiness and it 's a violation.

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 12/25/2016 about Debt collection (Credit card) with The CBE Group, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: There is a debt collection account that was opened under me by the company name of " CBE. '' I have experienced identity theft for a few years now. This company I have never heard of. It states I owe {$320.00}! I need help disputing this.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Debt collection (Medical) with GLA Collection Company, Inc. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: These people and other collection agencies keep on collection on debts i do not owe!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2015 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (OK).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This company, XXXX XXXX continuously calls XXXX or more times per day. On XXXX XXXX 2015, I made contact with XXXX, they were calling my work number. I informed them they could not contact me on that number. Once more they contacted me on my work telephone number. I set up a payment arrangement with them on that day to be dated for XX/XX/2015. On XX/XX/2015, They called me XXXX. At approximately noon on the XX/XX/2015, I called them back stating our arrangement. I further instructed they could call me at the number I gave them no more than once per day. If that was not acceptable, then they would need to communicate with me By Mail Only. XXXX XXXX has since began calling me multiple times per day. As of XXXX on the XXXX of XXXX, I have been called XXXX.

Company response to consumer: Closed with monetary relief