milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-06-2017 about Debt collection (Medical debt) with Convergent Resources, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: After paying off a past debt directly to  XXXX   XXXX   XXXX , I received multiple letters from Convergent date d    XXXX - XXXX -2017.      The first letter is a standard attempt to collect debt, dated ,  XXXX - XXXX -2017, this letter was received on  XXXX - XXXX -2017  and was the first instance.   The next day, I received letter from the same company dated the SAME day,  X - XX -2017 stating, " Based on recent phone with our AGENT, we understand YOU  may have a dispute regarding an account with our CLIENT. '' It is reasonable at this point based on their own provided letters, Convergent a cknowledges an issue exists in the validity of this debt the same day.     As of  XXXX   XXXX ,  2017, my  credit monitoring has indicated that this company has placed this debt to all  XXXX  credit bureau 's even though  XXXX   XXXX  confirms notifying Convergent on or before the mailing date of these multiple letters. This has caused nearly a  XXXX  point drop in my credit rating which has caused severe financial detriment to a pending financial matter.     We have talked with  XXXX  at  XXXX   XXXX   XXXXXXXXXX  on   XXXX - XXXX -201 7 who assured us Convergent is completely in ERROR and should NOT for any reason be pursuing this debt.     Please note this debt was  PAID OFF prior to the original dating of these letters from Convergent. As well, this is causing SIGNIFICANT FINANCIAL impact and Convergent should act swift ly to resolve this immediately.     PROOF of SATISFACTION : PURCHASE AUTHORIZED -  XXXX   XXXX   XXXX   XXXX  FL  XXXX  CARD  XXXX   XXXX   XXXX   XXXX  can be reached directly at,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL,  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 08/29/2016 about Student loan (Federal student loan servicing) with CITIBANK, N.A. (LA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: After obtaining a copy of my credit I noticed Citibank/XXXX XXXX on my credit file for student loans. First I have no recollection of them ever having my student loans. So I dispute the items with the credit reporting agencies, which the updated themselves as new information. I contacted Citibank/XXXX XXXX requesting that the account be deleted from my Credit Reports based on the fact that it was sold. XXXX XXXX XXXX XXXX ( Citibank ) must furnish account information to the national credit reporting agencies in accordance with Section 623 of the Fair Credit Reporting Act, Appendix A to Part 660, Title 16, Code of Federal Regulations, and the Consumer Data Industry Association 's Credit Reporting Resource Guide. Page 10-1 provides that accounts may be deleted if the account has been forwarded or sold to another agency, if the account was cancelled and returned to the original creditor, if the account was reported in error, or if the account has been confirmed as fraudulent. Citibank sent me a letter stating the FCRA required creditors to accurately report information to credit reporting bureaus about loan accounts and payment history. That they have reviewed my account history and have not identified any errors and they will remain for seven ( 7 ) years. 
I replied again requesting that the account be deleted from my Credit Reports based on the fact that it was sold. XXXX XXXX XXXX XXXX ( Citibank ) must furnish account information to the national credit reporting agencies in accordance with Section 623 of the Fair Credit Reporting Act, Appendix A to Part 660, Title 16, Code of Federal Regulations, and the Consumer Data Industry Association 's Credit Reporting Resource Guide. Page 1-1 of the Guide explains that " Both credit grantors and consumers depend upon consumer reporting agencies to acquire and maintain accurate credit histories. '' Page 10-1 provides that accounts may be deleted if the account has been forwarded or sold to another agency, if the account was cancelled and returned to the original creditor, if the account was reported in error, or if the account has been confirmed as fraudulent. 
So since this account was sold to XXXX from the letter from XXXX this account must be deleted. Citibank/XXXX than replies in order for them to review information that I believe has been reported in error, to send them an letter of explanation and a copy of my credit report. I sent them a letter of explanation the first time and they claimed they reviewed it and found no errors, I sent a follow up letter now they want another. Citibank/XXXX know what they are reporting because they are the ones reporting it. I should have to send them information they are reporting when they already admitted to what they are reporting.

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 09/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MS).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XXXX XXXX, 2017 I was talking to a representative ( XXXX ) about an account that was duplicate. I also have a fraud alert on my credit and lenders are still able to pull my credit without my consent. I called the company to dispute the inquiry. The company told me to contact Equifax. I spoke to the company that has duplicate account on my Equifax report told me they sent Equifax a letter for removal. They sent me the same letter. Equifax still has not removed it. When I was on the phone with Equifax the lady hung up in my face.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Trans Union is not responding to my request to investigate, verify and remove XXXX account 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 08/25/2017 about Payday loan, title loan, or personal loan (Personal line of credit) with Alliance Data Card Services (IL).
Issue: Charged fees or interest you didn't expect

Complaint: Purchased a service from XXXX XXXX XXXX onXX/XX/XXXX and paid for the service by using PayPal credit but never received an invoice either by US mail or by email from PayPal credit until earlier this week when an invoice came in the mail. Based on past PayPal statements on their web site PayPal charged me {$22.00} interest during the XX/XX/XXXX to XX/XX/XXXXbilling period but never got an invoice. Then they charged me duringXX/XX/XXXXtoXX/XX/XXXX billing period a {$25.00} late fee and {$3.00} interest and then during the XX/XX/XXXXtoXX/XX/XXXX billing period they sent me my first invoice in over 6 months with a {$38.00} late fee and {$4.00} in interest. Bottom line I was charged {$93.00} for late fees and interest and I never received an invoice until a few days ago and I then paid the balance in full which was {$280.00} Paypal Creidt told me that they sent an invoice every month for the past 6 months but until recently I had not seen an invoice or email or voicemail from PayPal that I had a past due balance. Paypal is dishonest based on the {$25.00} million they paid your agency two years ago XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-11-2017 about Checking or savings account (Other banking product or service) with CHARLES SCHWAB CORPORATION, THE (PA).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: On XX/XX/XXXX, I attempted to open a brokerage account and linked checking account with Charles Schwab. A few days later, the account was abruptly closed, and on XX/XX/XXXX, I received 2 pieces of mail informing me that the accounts were closed due to my credit score as reported by XXXX. While the disclosures provided during the application process indicated that Schwab may obtain information from consumer reporting agencies, I reasonably assumed that such information would be used for identification purposes, and that nothing beyond a " soft pull '' would appear on any credit report. Nowhere on Schwab 's website, and at no time during the application process, does Schwab disclose that a minimum credit score is required to open a brokerage account - and I at no time applied for an extension of credit from Schwab. Schwab is certainly free, subject to statutory limitations with respect to discrimination, etc., to choose its business partners. As a consumer, however, I have a reasonable expectation to know what specific information may be sought about me, and why specifically Schwab believes it needs such information.

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 10-09-2015 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (NM).
Issue: Fraud or scam

Complaint: On XXXX XXXX, 2015 Recieved a call @ XXXX XXXX from ( whom I thought was ) XXXX XXXX ( XXXX ) He briefly stated he was in jail in XXXX XXXX, NV and needed bail. He stated he was in an accident and was hit by a XXXX woman but failed a XXXX test. He stated I would recieve a call from his attorney XXXX XXXX ( XXXX ) from XXXX XXXX in a few minutes. I told him no problem and waited for the call. XXXX XXXX XXXX called me @ XXXX XXXX and explained the jail circumstances and I agreed to post bail for my friend. Bail was sent to XXXX XXXX in XXXX. He explained this was a normal procedure to send funds XXXX and the he needed only the tracking number which I provided after the transaction was complete. One hour later, XXXX XXXX calls and asked for an additional amount to cover an out of court settlement that he negociated with the woman. The woman was planning on suing XXXX XXXX. XXXX XXXX said she would sign a statement to not file suit if a settlement sould be made. I agreed to pay only if the woman signed a statement to agree not to file suit. XXXX XXXX agreed but no statemnt was sent to me. The last I heard of XXXX XXXX. I have since tried to call XXXX XXXX several times but I believe my phone numbers have been blocked. I contacted My friend XXXX XXXX this am only to XXXX it was not him involved in any of this. Hence, the filing of this complaint. Please call or email me to advise. XXXX XXXX XXXX XXXXXXXXXXXX. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2015 about Debt collection (Medical) with Overton, Russell, Doerr and Donovan, LLP (NY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I am have been charged with an owed amount on my credit report from a medical office, but my health insurance had paid this balance. I should not have this balance or report on my credit report. They say it would clear in 7 years, but it should not be there at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: The company portfolio recovery keeps harassing me through phone calls claiming I owe a debt which is over 6 years old. I do n't owe anything to this company and have no idea who the original debt came from, this company keeps threatening me and family memebers at my realtives door step, I had to change my phone number twice, they keep harassing me telling me through voicemail and mail that I will be sued and taken to jail for not paying a debt which I do not own.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-03-2015 about Bank account or service (Other bank product/service) with BB&T CORPORATION (MA).
Issue: Deposits and withdrawals

Complaint: I resigned from a position I had with a XXXX back on XXXX XXXX, 2015. I had a XXXX account with instructions that stated within 60 days of departure, I was to receive the money direct deposited to a bank account. The positions were sold on XXXX/XXXX/15 and the cash proceeds transferred out on XXXX/XXXX/15. I called my former employer to ask when these proceeds would be direct deposited and was told they would be sent XXXX/XXXX/15 and available XXXX/XXXX/15. I checked my account on XXXX/XXXX/15 and there was no deposit. I spoke with the bank today and they said the deposit would not be made until XXXX/XXXX/15. I received no phone call or correspondence informing me of this change nor an explanation, not to mention the fact that it exceeds the legally stipulated 60 day window. 

I am in need of this money in order to pay taxes, bills, and to provide for my family. I need a resolution immediately as this is unacceptable use of a former employers money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I am a co-signer on two student loans and I am writing to dispute items reported to my credit report by the loan servicer XXXX. XXXX failed to comply with their own policies, and intentionally and deceitfully provided misinformation in their correspondence. 

At the beginning of XXXX, the primary account holder contacted XXXX and verbally worked out a forbearance plan to bring the accounts current. The next payment, which was approved by XXXX would be due at the very end of XXXX. Payment was actually made Monday, XXXX XXXX, which brought the accounts current nearly a month early. 

A few days later I received a letter dated Sunday, XXXX XXXX, XXXX advising the delinquencies may be reported to the consumer reporting agencies if payment is not made by XXXX XXXX, XXXX. I called XXXX and confirmed with their customer service representative the accounts were now current and that the payment and this letter simply crossed in the mail. I was also advised that it is XXXX policy to send this last letter with a payment deadline before delinquencies are reported to the credit reporting agencies. 

XXXX, in deliberate violation of their own policies, reported the delinquencies to the credit reporting agencies before the deadline given in this letter. 

Additionally, the deadline given in the XXXX XXXX letter was a full week before the agreed upon date for the next payment. If we would have waited until the end of XXXX to make the payment, which XXXX agreed to and approved, according to this letter XXXX still would have reported the delinquencies to the credit reporting agencies.

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 06-06-2017 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Trouble during payment process

Complaint: This is a " qualified written request '' under Sec tion 6 of  the Real Estate Settlement Procedures Act ( RESPA ).     I am writing you today as I disagree with the past due payments you are reporting on my credit reports. They do not line up with my records and I believe that my payments  may have  been misapplied. The particular lates referred to are : Late Payments Being Reported : 60 days past due as of  XXXX   XXXX  30 days past due as of  XXXX   XXXX ,  XXXX   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 04-05-2017 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (VA).
Issue: Loan servicing, payments, escrow account

Complaint: We generally pay our mortgage at the end of the every month, the month prior to when it is actually due. We do this to ensure that it is on time. So, we payed XXXX 2013 mortgage in XXXX 2013. In XXXX 2013, my mortgage provider transferred my loan to a new service provider. We paid our XXXX 2013 mortgage to the new service provider as directed. However, they told us that we were one month behind because they did not receive our XXXX 2013 payment. We told them that it was paid to the old service provider and they said they would research it. Finally after many phone calls, they confirmed that my XXXX 2013 payment was paid. However, then they started saying that that other payments were late. Every time I talk to the representatives by phone they give me a different story. One representative will say one thing and another representative will say something completely different. The reason that I have endured so long with them in trying to get the problem fixed is because I know with 100 % certainty that I have made all my payments on time and believed that they would recognize their error and correct it. To date that has NOT happened. I have made my payments on time and have records that prove I 've made these payments to include bank statements which shows that the mortgage company cashed every single check. The mortgage company representatives have given me the " run around '' year after year citing one reason or another that my account is past due. Again, I have five years of records proving that I have not missed a payment and that my payments were made on time. The mortgage company has called me at work repeatedly and reported adverse information on my credit report. After years of trying to get this straightened out, I have finally reached my limit with them which is why I am filing this complaint. The mortgage company has caused me both financial as well as emotional distress and it must end.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Franklin Collection Service, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XX/XX/2015 I received a notice from XXXX collections that I owed {$170.00} to XXXX XXXX XXXX. It stated that if I paid {$99.00} it would settle the debt. I immediately went and got a money order and sent it to them. XX/XX/XXXX I was notified by my credit monitoring company I had a negative collection reported. I found that it was a totally different company saying I owe the {$72.00} balance, Franklin Collections Services. I called XXXX and got proof that I paid the settlement amount and it is a paid account. I submitted XXXX disputes to every credit bureau. XXXX and XXXX deleted it within days. XXXX on the other hand, I have filed XXXX disputes and they will not recognize that it is a duplicate that was incorrectly sold to another collection agency. I do n't understand how company 's can just say a person owes something when they have proof they paid it. This is unfair to all the people that pay their bills. Sadly, I still do n't even know where the bill came from! I just paid it because I wanted it to go away but I refuse to pay the balance after I paid the {$99.00} like I was told to do. XXXX is terrible and our government should not let these companies have as much leeway as they do. Collection agencies should have more restrictions on them. Being able to just charge someone for something because they want to is not fair credit reporting!

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2016 about Bank account or service (Other bank product/service) with CITIBANK, N.A. (NY).
Issue: Making/receiving payments, sending money

Complaint: In reference to the investigation XXXX. On XXXX XXXX, 2016 at about XXXX. I went into the CITIBANK XXXX on XXXX XXXX to pay {$1500.00} towards the installment loan # XXXX. XXXX XXXX employee of CITIBANK directed me to the ATM machine to help with the payment. I gave him {$1500.00} towards the payment and I also wanted to open a bank account to deposit money I had with me. He assisted me at both the ATM and the teller window and advised I needed to withdraw to open the account. I did not realize until after I came home that he did put the {$1500.00} towards the payment instead only {$840.00}. I would like CITI to investigate what was done with the money. I came in with CASH. There has to be video of the transaction where you can confirm what was done while I was in the branch on that day. If in fact something was done in error then I would like the money to be placed back towards my loan. I am requesting a re-evaluation of the transaction and have this employee questioned. I am providing proof of my transactions as I always keep a record of my deposits and keep the same patterns. I did not understand why he insisted I go to the ATM machine and not do this transaction with the Teller directly.

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