milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/27/2017 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: On or about the last week in XX/XX/XXXX, I called Midland to pay my XXXX collections in full. They referred me to the Law Offices of XXXX XXXX XXXX. I called the law offices to obtain the payoff balance which was {$600.00} and made arrangements to pay it in full by XX/XX/XXXX. On Friday, XX/XX/XXXX, I called the law offices of XXXX XXXX XXXX and made a phone payment in full via my checking account in the amount of {$600.00}. The deb collector on the phone told me that a lawsuit had been filed, however, I had not been notified or served and she stated that the lawsuit would be dismissed and I would receiving a paid in full letter and also documentation that the lawsuit would be dismissed and removed from public record. 

Throughout the month of XXXX, I have been receiving daily robo calls from Midland attempting to collect on this paid in full debt. 

Yesterday, XX/XX/XXXX I pulled my credit report. XXXX is still reporting this debt as outstanding with a {$55.00} balance, even though it was paid in full on XX/XX/XXXX. 

Today XX/XX/XXXX, I called the Law Offices of XXXX XXXX XXXX, and was told that my account was paid in full. However, they have not dismissed the lawsuit and the rep on the phone refused to give me a time frame in which they would dismiss it. She said they would not vacate the judgement. She also said her office would not be sending a paid in full letter. 

I am reaching out for help because Midland has been in trouble with government and CFPB before for unfair debt collections practices. This is a debt that was paid in full that they are still attempting to collect on, which is negatively impacting my credit. 

Both Midland and Law Offices of XXXX XXXX XXXX ( which is just a shell company for Midland ), need to be held fully accountable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-09-2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Account opening, closing, or management

Complaint: I had an account several years ago with Chase. I recently tried to open an account with them and said that I was " blacklisted '' they will not give me any reasons as to why I can not have an account with there financial institution. They stated I was sent these reasons years ago. I was sent no such letter. I think this is discrimination. I want to know why. I have done nothing wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Debt collection (Credit card) with Alliance Data Card Services (NJ).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Call repeatedly daily, sometimes every 20-40 minutes in between and even blocking the number at times. When my wife answers they ask for my attorney or legal representative. Make threatening statements of lawsuits, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2016 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Credit monitoring or identity protection
Sub-issue: Receiving unwanted marketing/advertising

Complaint: I have disputed the XXXX inquiry 's on my reports 3 months ago I never got any notice of. Resolution at all. All of them are still on there. Some of them are on there XXXX. I 'm supposed to have a fraud alert on all reports but noone checks with me before they hand out my report 's to everyone. I do n't authorize any companies except XXXX. I 'm upset because the company 's did nothing to fix this problem. I never received any information on my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I am a XXXX XXXX victim, I have my mortgage financed with Wells Fargo and am trying to get an SBA loan to pay for repairs on my house due to flooding. I called Wells Fargo to ask how I get them the notification that I am obtaining a SBA loan and was told over the phone that I should take it to a location to expedite the process. I took it to a location the same day and was told that I should have faxed it and I could n't get it authorized at a branch. They faxed the document and I have been contacted by Wells Fargo twice that it was received but it has now been 3 weeks and I still do n't have an answer or the form so that I can move forward with the SBA loan request. I desperately need an answer so that I can start the process of recovery.

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 07/16/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NH).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Transunion reports this amount paced for collection by XXXX. I have never had any dealings with XXXX. This is either Fraud or and Identity problem. 
XXXX XXXX XXXXXXXX XXXX, 2015Open $ XXXX DetailsLast Reported XXXX XXXX, 2015Collection Agency XXXXOriginal Creditor XXXX XXXXStatus OpenOpened Date XXXX XXXX, 2015Closed Date -- Responsibility IndividualBalance $ XXXX Balance $ XXXX Placed for collectionCreditor Contact DetailsXXXX XXXX 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 03/22/2017 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I disputed my inaccurate XXXX item with Experian. It was inaccurate because the high credit amount was different from the balance. Both have to be the same amount if the past due amount is XXXX, which it was. Anyone could look at the item and see it was inaccurate, without information from the furnisher. Experian made no effort to investigate. Please delete this item.

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 02/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX in the amount of {$610.00} is reflecting on my credit report. This account has not be properly verified according to law. XXXX XXXX still has not sent anything to properly verify this account. No receipts, statements, proof of applying, proof of address that was associated with this account. And they are still allowed to have this on my credit report. 
Also, I have no contract with this company nor have I signed anything or have ever been notified. That is AGAINST THE LAW!

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 04/19/2017 about Debt collection (I do not know) with Resurgent Capital Services L.P. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am making a dispute agains t Pinnacle, LLC  in a response to a listing on my credit reports. Be advised this is not a refusal to pay, but a notice sent in pursuant to the Fair Credit Collection Practices ACT,  15 USC 1692G SEC.809 ( 8 ), stating your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION  made pursuant to the  XXXX   XXXX . I respectfully request your offices provide me with compentent evidence that I have any legal obligation to pay you. At this time I will also inform you that your offices have reported invalidated information to my credit reports  (   XXXX   XXXX   XXXX   XXXX   ). T his action constitute fraud under both  Federal and State Laws. Also the stature of limitation are up on this debt and is no longer collectable

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2015 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: We have closed the collection with XXXX group and paid the bill in full on XXXX XXXX, 2015! We have contacted the company and they still have not taken it off of our report!

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

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 10/14/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: There are XXXX accounts on my TransUnion Report that are reporting as delinquent and they are not. They have never been delinquent and should be reported as paid as agreed.

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 11/21/2016 about Consumer Loan (Installment loan) with Argon Credit (IL).
Issue: Managing the loan or lease

Complaint: On XXXX/XXXX/XXXX I took out a loan for {$2000.00} from Argon credit. I was shortly after that put in the hospital.I could not make the payment of {$210.00} a month. I called the company in XXXX to make some type of aggrement, I finally called the XXXX office in XXXX XXXX, they refinanced my loan with no interest for {$110.00} a month and have been making these payments since XXXX XXXX the problem is my first account with Argon was 120 days late acct # XXXX which is still on my credit report when I refinced they told me on a thier recorded line that the credit bureau would be called and thay first loan would show refinanced or they would take it off all together.My new refinanced loan acct # XXXX which I have been making payments on time never showed up on my credit report.I have been calling Argon since XXXX to correct this problem they told me they shut down the XXXX office and last month they told me when I called that a separete company did their credit reporting they got rid of them so they wo n't be reporting to the credit bureau I can not get a loan with a 120 day late on my XXXX report. there address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Telephone # XXXX hope you can help me.

Company response to consumer: Untimely response
Consumer complaint received 02-03-2017 about Student loan (Federal student loan servicing) with GREAT LAKES (IA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Five years ago I consolidated all my loans with XXXX XXXX. Now it is XXXX. I am current with my payment and have not missed. I am now getting a bill from Great Lakes on my student loan of {$150000.00} and they say I am behind. I NEVER GOT ANY NOTICES. And what happened to my consolidation? 

I am in the process of communicating with them and they are trying to determine what happened on the consolidation process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2015 about Debt collection (I do not know) with Navient Solutions, LLC. (MN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have a common maiden name. I got married in 2008 and am now under a different name. For the last several years my mother has been getting phone calls from Navient trying to collect a debt of someone with the same maiden name as I had. She has told them repeatedly that it 's not me who owes the debt. I have called to speak with them and they told me that my social security number and birthdate do not match the person that owes the debt. But somehow my parents ' names and their phone number and my current address are linked to this other person. They told me that they could clearly see that the debt is not mine since it is not my SS # and birthdate. I asked if they could stop calling my parents ( at times the calls have been borderline harrassing ). Navient said they would put a note attached to their # saying to not call it anymore. I had this same conversation a year ago and the calls started up again. They recommended I call the credit bureau to make sure that my credit scores have not been affected or that this other person is using some of my information. As far as I know, I still have a good credit score. I have to still call the credit bureau. I 'm not sure how to make theses calls stop or how to get my parents ' # and names and my current address unlinked from her.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIZENS FINANCIAL GROUP, INC. (MD).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: This inquiry was added to my XXXX credit report on XX/XX/2017. I've called the fraud department at Citizens Bank for this inquiry and they have no record of my name in the system. I was transferred several times, and no one could find my name in their system. However, their company still shows up on my credit report. They " can't '' remove it because they have no data information on me. However, someone accessed my report and their name is listed on it. 7 months later, and the inquiry is still there and Citizens Bank is doing nothing to take care of the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Vehicle loan or lease (Loan) with Westlake Services, LLC (GA).
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint: Loan amount on  XXXX   XXXX   Loan  amount on  XXXX  {$10000.00} total paid towards principal {$2200.00} total paid towards interest {$5400.00} in alm ost 2 yrs   and that 's with {$420.00} a month payments. To date I have paid {$8600.00} on this car.     Some of my payments went towards interest only, see attached itemized photo of my charges. I was trying to get my credit up and they are doing nothing but bringing it down! I was told that i could change the payment date to the date i needed and then it was changed to a date that is not good for me so i tried to change it back to original date and they wont. I am now always 3 days behind since they refuse to change my payment date to the  XXXX  and from the  XXXX !!!! They charge a $  7+ charge a d aily in addition to your APR in addition not just a late fee and that accrues interest of course.       I had a late payment and was trying to give them a credit card for a future dated payment that is 3 days past the day they want it and they refuse to work with me. Calls daily threatening to reposes for a {$130.00} late payment. They are rude and unwilling to help even 2 years in my loan.     You do the math this place is meant to milk you and steal from you. I 'm sure if they let me get to the end of the loan they will just find a way to reposes! ALL THEY WILL DO IS SAY TRY AND GET REFINANCED.

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I had an account with Citi Bank and fell behind. The last payment was made around XX/XX/XXXX. The account was closed XX/XX/XXXX due to past due statue. There was a deficiency balance which was included in the bankruptcy but the statue of limitations passed since the account first became delinquent 10 years prior to XX/XX/XXXX of this year and the statue is only 7 years from when the account first became late and never again became current. It has been disputed with the bureaus as well. The issue appears to be with Citi since all three credit reporting agencies are reporting the account. I have attached the letter to show you the timeline. Keep in mind the account shows closed as of XX/XX/XXXX but it was delinquent prior to that.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc.  resulting in a data breach in XXXX XXXX that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com.
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement. 
I demand that they rectify this by making credit freezing free and refunding everyone who paid for it following this data breach. The negligent loss of personal information of nearly 200 million consumers is an unconscionable breech of ethical behavior by this company and it is further unreasonable that they are not directly notifying every single person affected by this regardless of their questionable " judgment '' of who to contact.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2017 about Debt collection (I do not know) with TrueAccord Corp. (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I am constantly being bothered and harassed by a company called  True Accord!!!!  The guy named  XXXX  called me at work about a debt I know nothing about requesting credit card information. I advised him I could not talk he called my job.     After that I have received calls on my cell phone and I receive at least  XXXX  emails from them a day. They are being very aggressive and threatening to sue me if I do n't resolve the matter before   XXXX   XXXX       I have received  XXXX  emails from the following individuals below just in the month of  XXXX  and today is only the  XXXX !!!     I have received emails from  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  They also said they are called  XXXX   XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2017 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I started receiving a non itemized credit card bill from synchrony bank for a Amazon credit card that is not mine. Had a very difficult time contacting an actual person. Once I did, after a lengthy and confusing conversation, I was told everything had been cleared up. The situation however is not resolved and now there is a collection agency involved.

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 07/29/2015 about Credit card () with U.S. BANCORP (OH).
Issue: Identity theft / Fraud / Embezzlement

Complaint: This individual enter our lives back in XXXX 2013. This individual with the intent to defraud my family he built our trust and confidence, and misrepresented himself as a entrepreneur/multi millionaire. After he built our trust he wanted us to open an Assistant Living Facility business. I explained to him time and time again it takes money to open a business and we do not have money to do that! This individual kept pressuring to open this facility so we could be millionaires like him and his family. He pressured us so much we had gotten and XXXX number but never got a building, he said the first thing is to get business credit cards to help with business acumen ect. He advised me they were to be used for business purchases only but he needed to be added as an authorized user, this individual was living off of these business cards and would call the bank cards to ask them not to send statements out so I would n't see the charges on the cards I called Us Bank and reported fraud and ask them too shut the card down they said they did but this individual, found out when he went to use the card again and call the card and had them issue him another card, without my authorization i was going back in forth with the us bank customer service and fraud department. I went to my local police department and have the Detective involved in this fraud case, but I still continue getting harassing phone calls from Us Bank on my phone and now they call my job! I asked them never to call me at my job again on a recored line and they continue to call. I have gave them the police report number like they ask, and the Detective name and phone number, and explained to them that I have talk to them more than i talk to my own family cause they call me daily, more than once and now my job.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (TX).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: The current balance is {$8100.00} ; last month 's balance was {$8200.00}. The interim payment was {$250.00} ; {$160.00} went to interest. Within the past hour, I called Synchrony Bank to ask for a reduction in interest and was told that nothing could be done. I was told that the Bank 's practice was to increase the interest charged as the balance increases. How can the balance be reduced under these circumstances. No doubt this method of operation is applied to all of their credit card offerings. This is usury. Needless to say, I have stopped using the credit 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 explanation