milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/15/2015 about Debt collection (I do not know) with Conn's, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Conn 's continues to attempt to collect a debt that is not mine. I have provided all documentation to them and they continue to claim they ca n't do anything about it. I have also filed a complaint with the Texas Attorney General 's office due to the illegal activity being conducted by Conn 's. I am again disputing this alleged debt in it 's entirety and providing proof that this debt was already disputed in 2014 and deleted because it was not mine. Conn 's is illegally trying to collect on a debt they know is not mine. The Attorney General is currently looking into Conn 's and their actions. I will continue to file complaints until Conn 's does the right ( and legal ) thing and remove this debt that their past collection agency deleted due to inaccuracy. They have illegally resold this inaccurate debt to another collection agency in yet another attempt to collect this debt. They can not honestly believe that me, the CFPB, or the Attorney General will believe their " we ca n't locate an account '' bull when they just resold the account to another agency for collection. Obviously, Conn 's knows exactly what account I am referring to and they have provided all the evidence needed to prove they are acting in an unconscionable manner.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Problem with fraud alerts or security freezes

Complaint: After the recent XXXX breach, it was strongly recommended that I participate in their 1 year credit protection through a 3rd party. In addition, I wanted to freeze information at other agencies : TransUnion, XXXX, etc. I was rudely surprised to find out that I would have to pay a fee to have this done. 
I did not solicit any interactions with these companies ; I did not ask them to track all of my purchases, credit history, etc. Why do I have to pay to have them stop monitoring me? 
I do not want or need any of their services, yet I am supposed to pay to NOT do business with them? Extortion?

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 08-10-2015 about Bank account or service (Savings account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MI).
Issue: Making/receiving payments, sending money

Complaint: The bank close my account without nofity me of reason i received a check in the mail that i did not know was not a real check. Im only XXXX years old never had a account before now Im not able to open an account in my name.because of the issue.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Credit determination

Complaint: This is in reference to my previous complaint : Case number : XXXX still have the same issue. The bank apologized and confirmed it wo n't happen again but I still see the same issue where my credit card disappears from my online account after XXXX of every month, so I am unable to check my transaction status online. I am wondering if I should file legal action to have this issue fixed once and for all, since the bank does n't seem to take this issue seriously or do anything about it yet.

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 06-01-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with BAYVIEW LOAN SERVICING, LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Loan Servicers XXXX XXXX Bank and Bayview Loan Servicing XXXX did not provide adequate notice of loan changes and also misrepresented information in letters sent to us. XXXX XXXX Our loan was sold to XXXX XXXX and in the initial letter we were told to continue sending our payments to XXXX and same address. After sending payment a XXXX days later the payment was kicked back by XXXX. It was then we found out that Bayview was now servicing our loan. Bayview and XXXX both violated federal law by not notifying us in time of changes in our loan and payment information. XXXX XXXX Bayview Loan servicing did not provide the required XXXX day notice that our payment amount was changing due to the XXXX year ARM ending and rate reset. Also, another violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2017 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: Information is missing that should be on the report

Complaint: Credit Reporting Agencies have deleted positive loan accounts from XXXX ( auto loan ) and all my student loans from history.

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 10-06-2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Hello my name is XXXX and I am having problems with Midland Funding..Midland Credit Managements and the other names they use. 
I was not aware of the debt until several years ago when I received a garnishment notice from my employer. 
This amount was subtracted from my paycheck weekly including any taxes. 
I have not received any satisfaction of judgement letters. Recently I purchased my home and before closing I was advised that this debt was not settled and it was holding back my closing. 
Apparently Midland Funding purchased the debt and claims it was never settled. 
To avoid losing the home i waited so long for ; I made Midland an offer of if XXXX and they accepted. On X/XX/17 I sent them the amount and they cashed the check. 
Now I need them to send me a satisfaction of judgement letter to give to the attorneys who handled the purchase and closing of the home. Money was held in escrow to show good cause. The sum it XXXX. Without this satisfaction letter I can not get back this money. It 's being held by XXXX XXXX. 
I had our attorney intervene and try to speed up the process yet nothing from them. We, my wife and I along with our attorney has been constantly given the run around. It 's either call back tomorrow ; call back in one hour ; no one is in that department ; can not locate the file ; all sorts of excuse. 
They cashed the check and was paid 2 times. 
I have even asked to speak with a supervisor. He is never available or he gives me the same answer. 
My wife is XXXX and I need this money to help us move into our new home. 
It will move things along more quickly before the weather changes Please help us. 
I have nowhere to turn.. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2015 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (LA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Midland funding notified me that through XXXX, that they attempting to sue me for a debt that they dont own and that is past the statue of limitations. They have misrepresented the account with false affidavits and lied to me about it being restarted as far as the clock. They have been unable to verify that they are the owners of the debt, show proof of a card/account statement, how amount was calculated, nor have an agreement. They are reporting and listing the account wrong on my credit report with updating it as late monthly with a high credit amount

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2017 about Debt collection (Credit card) with U.S. BANCORP (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: XXXX lien my house with XXXX judgements for the credit card debt that has passed 4 years from the first date of default. I contacted US bank and XXXX who confirmed that first date of default on these accounts were XX/XX/XXXX ... US bank sold this charged off account to XXXX and XXXX sold this account to XXXX. Both of these collection companies were then solicited by XXXX XXXX who promised them to collect. XXXX then has filed for a judgment in XX/XX/XXXX which is past the 4 years and violates the statute of limitations for the state of California. XXXX has violated federal statutes and violated Fair collection practices act. I asked them to stop and release the liens even offered to settle on these account but they refused to accept anything less than full balance.. I keep getting harassing and ensulting phone calls very early and near XXXX from this company. XXXX agreed to settle these account for less than full balance sent me a fax on XX/XX/XXXX, and now denies doing so ... XXXX said they will send a sheriff to my residence or work to arrest me if these accounts are not paid in full in 10 days. THis is unacceptable is n't there a law to stop these illegal collection practices? ..

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 02-12-2018 about Debt collection (Medical debt) with Debt Recovery Solutions, LLC (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I RECEIVED NOTICE OF A DEBT ABOUT 8 YEARS OLD I DISPUTED THIS DEBT IN WHICH IT WAS FOUND TO NOT BE MY DEBT. IN ADDITION, IT WAS REMOVED FROM MY CREDIT REPORTS. HOWEVER, THIS COMPANY KEEPS RESELLING THIS SAME DEBT AS NEW TO OTHER COLLECTION COMPANIES AND THEY ARE REPLACING THE DEBT ON MY CREDIT REPORT. SO ONCE I DISPUTE THE DEBT WITH ONE COMPANY ITS REMOVED FROM MY CREDIT REPORT BUT MAYBE A FEW MONTHS LATER IT WELL BE REPORTED BY A NEW COLLECTION COMPANY.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2017 about Debt collection (Medical debt) with SCA Collections, Inc. (VA).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: I received a annual credit report and realized a debt collection was reporting on my creidt. So I sent the third party debt collectors a verification of debt letter, and they sent me a letter back with medical bill ( no signature, wrong address and medical information ) indicating that this was my debt. This is a HIPPA violation when false information pertaining to my social security and name is being shared to anyone other than myself and the supposedly hospital I owed this debt to. Also, once sold to a third party collection it is no longer my debt with no contract. I 'm pretty sure this hospital wrote this debt off after they sold it. I use to work in XXXX so I know these tactics and I refuse to be a victim of any scams done by these companies. I asked for the original documentation and received a unclear copy.

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 11-12-2016 about Debt collection (Medical) with OPTIMUM OUTCOMES, INC. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I deny that this is my debt, I deny that it is still a valid debt and if it is a valid debt, I deny the amount requested is the correct amount. I acknowledge this debt was established without my knowledge and I have no contractual agreement with Optimum Outcome Account Number XXXX XXXX Amount {$650.00} XXXX NC phone number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (MI).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: I called XXXX on XX/XX/2018 and purchased a XXXX XXXX XXXX XXXX XXXX   for delivery to a friend, on my Account List, XXXX XXXX. When I got email confirmation XXXX clerk erroneously had it delivered to me, not him. Called XXXX and 3rd Party Vendor less than 3 minutes after order placed, both agreed to cancel purchase. 
I later purchased it, for delivery to XXXX XXXX for the XXXX advertised price of {$940.00}, XXXX XXXX XXXXSynchrony Bank continues to fraudulently charge me {$1100.00} not {$940.00}, the correct price pursuant to actua order placed and XXXX Website!

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 05/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Bank of Ameri ca Privacy Assist r eports the  XXXX  credit bureau scores on their service website. They represent that the scores are ones  XXXX ,  XXXX , and  XXXX  scores. THE SCORES ARE NOT THE CORRECT SCORES although they title them as such. I used their service to try to improve my credit prior to applying for a loan using the exact same bureau scores, but when the lender pulled them and when I pulled them from the  XXXX  companies, the scores provided by Bank of America were a fraudulent misrepresentation and were not the  XXXX  scores provided by the bureaus. When I contacted privacy assist, they said the scores are " educational '' and not the real scores. I have been paying for the service for years for the purpose of monitoring my ACTUAL scores from the  XXXX  bureaus only to come to find out years later that they are fraudulently misrepresenting the scores of the bureaus in what I believe to be a " feel good '' fashion although they are not correct. If Bank of America wanted to provide me " educational scores '' they should have titled the scores as such and not used the bureaus names in the scoring. I WANT MY MONEY BACK!!!

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 04-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Insikt, Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I received a letter in the mail indicating I was delinquent on a loan payment to XXXX XXXX on XX/XX/XXXX. I contact XXXX at the number provided on the letter - XXXX and requested information on the account. The account was for a personal, unsecured loan in the amount of {$800.00}. 

Contacted XXXX XX/XX/XXXX : Indicated the fraud and requested a representative within their fraud department contact me. 
Contacted XXXX XX/XX/XXXX : Indicated the fraud again and asked if a supervisor was available to assist. Was transferred to XXXX and repeated the story. He said they couldnt transfer me to a fraud department, but that he would escalate this and someone would reach out within the next 24 hours. 
Contact XXXX  XX/XX/XXXX : Spoke with XXXX XXXX, a supervisor, he again noted on the account and said he would personally escalate this. He was provided my email and cell number once again. 
Contacted XXXX to dispute the account.and was told that XXXX would respond within 30-days. 
Received notice from XXXX that XXXX had validated the account and the dispute was canceled? 
Contact XXXX XX/XX/XXXX : Spoke with XXXX ( Supervisor ) Provided information on the loan. Escalating again to resolutions team. I was told i'd hear back within 24-48 hours. No call back. 
Contacted XX/XX/XXXX - XXXX ( XXXX XXXX XXXX ) to discuss the limited help Ive received from XXXX. She was going to help escalate this. However, she was in XXXX and needed to get back to me. I received a text from her Saturday XX/XX/XXXX. She gave me the number for the Service Desk @ XXXX and asked myself or the detective to contact. XXXX. 
Contacted XX/XX/XXXX Went to the XXXX XXXX XXXX branch ( Orgin of the loan ) and spoke with XXXX ( Manager ). I was able to see a picture of the suspect that took the loan on her computer, but unable to take a picture for my records or receive copies of the loan documents. 
Contacted XX/XX/XXXX Called the help desk and was on-hold for exactly 30 minutes, nobody ever picked up. Left message on voicemail with all account info and indication of Fraud. Updated XXXX. XXXX by email of the latest info I had on the case. 
Contacted XX/XX/XXXX - Called the help desk and was on-hold again for exactly 30 minutes, nobody ever picked up. Left message with voicemail. 
Email XX/XX/XXXX Sent email to XXXX with details of fraud and account. Requested someone contact me immediately.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2017 about Mortgage (Conventional fixed mortgage) with PHH Mortgage Services Corporation (TX).
Issue: Loan servicing, payments, escrow account

Complaint: On XX/XX/XXXX PHH mortgage issued an escrow account analysis which indicated that the escrow account for my mortgage had a surplus, as defined under 12 CFR 1024.17. The escrow account analysis also indicated that payment of the surplus would be refunded directly to me rather than credited against future escrow payments. The escrow account analysis stated that a check for the amount of the escrow surplus would be mailed within 20 business days. As of today, XX/XX/XXXX, I have not received a refund of the escrow surplus. On XX/XX/XXXX I spoke with a customer service representative of PHH mortgage and informed them that I had not received the escrow surplus refund. The gentlemen I spoke with immediately informed me, without appearing to conduct any investigation into my specific situation, that a check would be issued and mailed to me that week.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2015 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (TX).
Issue: Unauthorized transactions/trans. issues

Complaint: With the XXXX XXXX updates to the UniRush system I do not have access to my funds. I was anticipating a direct deposit yesterday and I never received it. To date my account reflects a zero balance and I have pending charges reflected on my account that are duplicates of charges paid weeks ago. Today, XXXX XXXX, I was on hold for 3 and 1 / 2 hours before I actually got to speak with a customer service representative. He told me that he could see my direct deposit in the system and he qued it to deposit, telling me to give it about 2 hours as they are depositing funds every two hours. So far I still have a XXXX balance. Given this debacle, we are at risk of having our utilities shut off. I need that money as it is my unemployment benefit and I am a single parent on XXXX from my job.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-10-2017 about Mortgage (Other type of mortgage) with SELECT PORTFOLIO SERVICING, INC. (AZ).
Issue: Trouble during payment process

Complaint: I have a loan modification with XXXX XXXX XXXX loan # XXXX effective XXXX XXXX, XXXX that I have been paying on for 5 years. My loan had been at the same interest rate and same payment for all these years and provides for an interest rate adjustment as of XXXX XXXX, XXXX. At that time, my payments which had been {$1400.00} were supposed to change to {$1400.00}. The breakdown for this payment is listed on the BAC statement date XXXX/XXXX/XXXX as follows : Principal and/or interest {$1100.00} Escrow payment : Tax {$310.00} Insurance {$54.00} Optional Products {$0.00} Buydown assistance {$0.00} This information was sent to me in writing from XXXX XXXX XXXX and is attached. 

I was notified this month that the loan servicing was being transferred to XXXX XXXX Processing with the new loan number XXXX. They called me today and told me that my new loan payment effective XXXX XXXX, would be {$1500.00}, an increase of almost {$100.00} for no reason. I told them this was the wrong amount, and they refused to acknowledge the last payment calculated by XXXX XXXX XXXX and change the amount to the proper payment.. Instead they tried to convince me that because of the interest rate change, the payment had gone up.. I tried to explain to them that the {$1400.00} reflected the interest rate change they were referring to but they refused to hear me. 

I called XXXX today and they told me that XXXX does not even have all the information about my account sent over yet and they should NOT be calling me with new payment information XXXX XXXX tells me this is done to try to exact higher payments from customers in advance of getting the information, which is illegal.! I belive that XXXX is acting fraudulently in trying to advise me that my payment amount is greater than it should be and they should be sanctioned. 

Nothing about my loan or escrow has changed since the XXXX XXXX escrow analysis. The loan payment calculated by XXXX for the loan modification I signed a contract with them for should be the payment amount due. 

I would appreciate any help in resolving this issue. Meanwhile I will make my payment of {$1400.00} to XXXX processing and I want them to mark it as CURRENT and PAID IN FULL until this is resolved and they properly update their files.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2017 about Checking or savings account (Checking account) with PNC Bank N.A. (IL).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: Today XXXX XXXX, XXXX, I awaken to check my PNC Bank account to find it was overdrawn with an overdraft fee dated XXXX/XXXX/XXXX of {$36.00}. I transferred funds into my account utilizing XXXX ( a bank transfer system that allows you to transfer cash ). When I contacted customer service I was informed my account was overdrawn on XXXX/XXXX/XXXX but I made numerous deposits since the XXXX therefore it does n't justify a fee added to my account 2 days later with a post date of 4 days later. PNC has unethical banking practices, there is no reason a person accounts becomes overdrawn and they are n't provided an opportunity to bring the account current within a reasonable timeframe. I never received an alert from PNC regarding any overdraft and I have proof the electronic transfer was made within the appropriate time. While on the phone with the customer service representative my account went from being negative XXXX on XXXX/XXXX/XXXX as the rep stated to the XXXX not being on the account in total. I would like a full investigation of my account as I believe PNC is not only conducting unethical banking practices but they are also conducting fraudulent banking practices, that allows customer service representative to make changes on customers account.

Company response to consumer: Closed with monetary relief