milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/26/2017 about Debt collection (I do not know) with Convergent Resources, Inc. (MI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: A company called XXXX XXXX XXXX. keeps calling my number looking for someone other than myself. I 've told them repeatly they have the wrong number. Even after they said they were removing my number they call again. Even bereating me if I know of a person named XXXX XXXX who they 're trying to reach. Very unprofessional hangs up in my face and cuts the call short without offering a solution. You get no where with this company to resolve matters.
Was called on XX/XX/XXXX at XXXX XXXX. I was n't able to answer the call that day.
Was called on XX/XX/XXXX at XXXX XXXX. Answered the call said I was n't the person looking for.
Was called on XX/XX/XXXX at XXXX XXXX. Told them I was n't the person, lady said she would remove my number.
Was called on XX/XX/XXXX at XXXX XXXX. Advised them that last time they called me someone was supposed to remove my number. Representative said she could n't help me and ca n't remove it and bereated me about knowing XXXX XXXX. Then hung up on me.
On XX/XX/XXXX I called the number back spoke to a man representative who said could n't help me unless I gave him my number but he would n't tell me his company name or who he was or company he was calling from. I asked speak to supervisor but ended up getting a regular collection person who did n't know what was going on. He just transfered my call to her line.
This lady did try to help me but could n't and did apologize for the other rude representatives. She stated it was there policy that they needed my number to remove it. She also told me the company name and where she was calling from. I advised them that I do not give my number out to just someone who calls me on the phone especially when I do n't know them and they have these kinds of practices because of scams and other fraudalent things.

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 02-11-2018 about Payday loan, title loan, or personal loan (Installment loan) with WORLD ACCEPTANCE CORPORATION (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: This company is incorrectly reporting to the three credit agencies I failed to pay my note in XX/XX/XXXX. This is incorrect, and I've written to them three ( 3 ) times, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX requesting them to resolve this issue. Their response was my complaint was frivolous. 

I had an account with them in since XX/XX/XXXX, in XX/XX/XXXX due to three XXXX and aftermath of that health issue including loss of income, I had to file Chapter XXXX bankruptcy in Federal Court of the XXXX District of Texas. As you know the bankruptcy laws changed thus all creditors were to receive and did receive what the Federal court and trustee equated to full repayment of account. This company was included in the bankruptcy. This company, as all of the creditors, received court documents of this filing with the scheduled repayment of the account. The federal trustee paid this account in full between the filing in XX/XX/XXXX and discharge of bankruptcy for completion in XX/XX/XXXX. They are reporting wrong information and when I request they resolve this issue, after recapping my situation, they refuse saying my complaint to them is " frivolous ''. They have no standing in reporting anything negative to three credit agencies, they were paid within the orders of a federal judge and they accepted the terms of the judge 's orders while collecting the funds sent to them by the federal trustee. Now they've reported a negative comment to the three credit reporting agencies, right after I was discharged, that will remain on my credit report for 7 years, yet they agreed to the court order and received the funds. This account was repaid in full and on time per court orders. This needs to be resolved by them removing the negative comment.

Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2015 about Mortgage (Home equity loan or line of credit) with JPMORGAN CHASE & CO. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I am a XXXX year old widow who was mislead and convinced Ineeded a home equity loan by Washington Mutual Bank inXXXX of XXXX. From that point until XXXX XXXX when Chasemodified loan. Approximately forty percent of my monthlyincome was being spent to satisfy loan. Then Chase reducedmy interest rate and escrowed my taxes and insuranceinto XXXX payment making my payments easier. HoweverI discovered that for from XXXX XXXX until week XXXX XXXX Chase had not applied any of my monthly paymentstoward principal. Balance stayed same for seven years. 
I read and reread loan agreement many times and had mychildren examine loan documents. The original loan and nowmodified loan is not interest only agreement! Its principalinterest and escrow. I have many documents supportingmy case of mortgage fraud against Washington Mutualand now continuing fraud by Chase. By Chase not applying mypayments to principal it increases my interest rate much higher thanwhat was written in instrument of mortgage. That 's mortgage fraud! In ten yearsof making payments of approximately XXXX dollars my principalbalance is XXXX. Again I have maybe XXXX documents proving this fraud. 
When I contact Chase and make inquires regarding this fraud they justhang up the phone or place me on hold for hours. Last week alone XXXX hoursphone. Total time in eight weeks more than XXXX hours. Everyday a differentanswer. I have also gone in person to many Chase banks to have employeesclaim they have no access to information regarding loan. I have proof by chasesown letters of fraud. From monthly statements to original loan document. 
This is my last effort before I file a lawsuit against Chase for mortgage fraud. 
Any assistance you could provide would be helpful because cost of anattorney maybe too high? Again I have documented proof of mortgage fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (LA).
Issue: Unsolicited issuance of credit card

Complaint: My mother, who passed away last XXXX, had a credit card that has been placing negative marks on my credit reports. I never signed any contract with the credit card company or received any kind of bill from them. I wrote to them XXXX 2015 to ask them to remove my name and stop reporting negative credit and remove any negative remarks off my report. They have continued to report negatively on my credit report. This is effecting my status with other credit card companies as well as my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2016 about Credit card () with SYNCHRONY FINANCIAL (MT).
Issue: Advertising and marketing

Complaint: This complaint has multiple parts : 1. Similar to CFPB Complaint IDXXXX, Synchrony Bank recently " upgraded '' my account from PayPal Smart Connect to a PayPal Extras Mastercard. My old account with a long history has been marked as closed on my credit report and a new one has been opened which has hurt my credit score. 

2. I made a purchase on XXXX ( XXXX/XXXX/2016 ) where promotional financing was offered if I used PayPal Credit to pay for my purchase. The promotion stated that I would receive 6 months no interest financing with an APR of 19.99 % after the promotional period ( it now displays as 12 months no interest financing ). The purchase was made using PayPal Checkout and my line of credit with PayPal was chosen as the payment method. Upon receiving my statement dated XXXX/XXXX/2016, the purchase did not specify that it was subject to promotional financing terms. After contacting customer service on XXXX XXXX, 2016, the representative confirmed that my purchase was not subject to promotional financing. 

3. Upon further inspection of the statement, I noticed that the Annual Percentage Rate listed on my statement is 27.24 % variable. After reviewing the terms and conditions for my account, I should be receiving an interest rate of 20.24 % APR or 24.24 % APR for standard purchases depending on my account type, which has not been disclosed to me. Furthermore, promotional purchases are listed as an option at the end of " SECTION XXXX : RATES, FEES AND PAYMENT INFORMATION '' in the account agreement for the PayPal Extras MasterCard.

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 11-06-2017 about Debt collection (Other debt) with Sentry Credit, Inc. (MD).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX Compliant : Sentry Credit XXXX XXXX XXXX XXXX, Wa XXXX Dear Sir/ Madam : I am writing to dispute the follwing imformation in my file an account with : Sentry Credit account dates are : XXXX for {$710.00}. This amount is incorrect. I am requesting that the item be removed. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX

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 01/18/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: ALL CREDIT AGENCIES CONTINUE TO VIOLATE FCRA WITH REPORTING PUBLIC RECORDS OF BANKRUPTCY 4 TIMES ON CREDIT FILE/ NOT MY ACCOUNTS/ ID FRAUD

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have opened an Identity theft case with the Federal Trade Commission Case FTC - XXXX. I also have a police report ( XXXX Police department XXXX ). Both reports contains all of the details of all the fraud, identity theft and harm that has been caused to me. I have been struggling to clear the damages with friction from TransUnion. I was guided by the Federal Trade Commission to open a new case with the CFPB to resolve this matter. 

I had written the Collection Agency XXXX XXXX for an allege debt for XXXX XXXX account XXXX ... XXXX Tracking XXXX on XXXX XXXX, 2015 requesting validation for this allege account and received no response from the collection agency. It is now past 30 days and according to the FDCPA this account needs to be deleted. 

I have brought the fraud as well as this matter to TransUnion XXXX times, ( XXXX Tracking XXXX received XXXX/XXXX/15 ), ( XXXX Tracking XXXX received XXXX/XXXX/15 ) as well as ( XXXX XXXX received XX/XX/2015 ) on the lack of validation by the collection agency and requesting to delete this account from my credit file. 

TransUnion repetitively delay the process by doing an investigation and responded on report number XXXX with NEW INFORMATION BELOW. If the collection agency can not validate the account within the require 30 days, following the FDCPA it needs to be deleted from my credit file. Upon escalating this to TransUnion, and the delaying of correcting the reporting of this account, this is now a violation of the FCRA and this account needs to be deleted. 

I have been a victim of identity theft which has caused a lot of harm to me and my family. I have been trying to clear up the damages with a lot of friction from TransUnion. 



Attached : copy of the debt validation lettercopy of the debt invoice by XXXX to TranUnionTransUnion reporttracking informationpolice case reportFederal Trade Commision case

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2017 about Debt collection (Medical debt) with Franklin Collection Service, Inc. (MS).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I sent out a certfied HIPPA dispute letter with a mailing receipt to Franklin Collection Service , Inc. XXXX , MS. XXXX on XXXX XXXX, 2017 in regards to a alleged medical bill debt in the amount of {$2800.00}. By law they had up to 30 days to respond and I was told the company is saying they never received anything from me even though I have a copy of the day it was mailed off. This goes against the Fair Credit Reporting Act and violates my rights as a consumer. Below is a photo document of my mailing receipt to the company along with the date it was sent.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX is reporting that I have a account with XXXX XXXX XXXX # XXXX and XXXX XXXX XXXX # XXXX. I have contacted these debt collection companies, requested proof of the debt, and they have not and were not able to provide any proof that these debts belongs to me ( because they do n't ). XXXX has also not provided any proof that these debts belongs to me. I have no contract with XXXX XXXX or XXXX XXXX XXXX, and unless someone can show where I have signed any contract with them or the company they are collecting for, these accounts needs to be removed.

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 06/27/2016 about Credit card () with BARCLAYS BANK DELAWARE (VA).
Issue: Closing/Cancelling account

Complaint: Cancelled XXXX card ( Barclay Card ) Noticed 2 months later - charge / late notice Charge was made 6 weeks after account closure Charge was fraudulent - and somehow processed by Barclay Card AFTER the account was closed! ) Called each month - Fraud department confirmed charge fraudulent - yet charge/fees still in collections

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CO).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax released ( because of a hack ) my social security number, address, and other sensitive information.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Accounts do not belong to me. 

Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX} Account # XXXX XXXX XXXX XXXX Account # 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 09/15/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (NV).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: X/XX/2017, I paid XXXX to cover my cash advance balance with Capital One. I noticed I was still being charged 25.90 %, which is {$73.00} in cash advance interest. I called Capital One and asked why am I continued charged the cash advance interest when it shows that the cash advance balance was paid. I was told that until the total bill is paid completely, I will be charged the cash advance of {$73.00}, which is totally unfair. I request that the charges stop because it 's paid and I was declined the request.

Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I contacted the companies to ask for proof that I authorized this inquiry and have not been provided proof to date. Two accounts were for I believe rental property and capital one auto finance have ignored my request for proof of my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (MI).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I am concern about the difference in XXXX difference collections agency reporting difference amounts from the creditor XXXX XXXX XXXX XXXX. XXXX XXXX XXXX on XXXX/XXXX/XXXX total due is XXXX and Afni total due on XXXX/XXXX/XXXX is XXXX. I would like a detailed statement for the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Student loan (Private student loan) with ReliaMax Holding Company ().
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: ReliaMax created obstacles to fair repayment by providing bad information about forbearance and deferment. For ReliaMax, they mean the same thing. See attachment.
Normally, a forbearance is an option if the student is not eligible to postpone payments using a deferment. ReliaMax refused to offer deferment as per terms from XXXX XXXX. Original lender : XXXX XXXX Loan / XXXX XXXX XXXX ( XXXX ) Acquisition by another lender : -- -- a bank in the middle of US. I do n't remember the name.
Original servicer : XXXX XXXX ( XXXX ) servicer 2 : XXXX XXXX XXXX XXXX XXXX servicer 3 : -- -do n't remember -- - it was for short time servicer 4 : XXXX XXXX XXXX XXXX 5 : ReliaMax

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/16/2016 about Debt collection (Medical) with AmeriCollect (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I was sent by my doctors to receive an XXXX after my XXXX. I was covered my medicaid and XXXX at this time. However, my plan had changed from " XXXX woman '' to " XXXX mother. '' This did not affect my coverage. Simply the number of my policy. The hospital tried billing my old policy number and was informed that i was not covered in that plan anymore and billed me. I provided the new information, and was told IN XXXX, that this debt had been paid for and cleared. However, the calls have not stopped.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: call 4-5 times a day! 
XX/XX/XXXX@XXXX XXXX XXXX XXXX XX/XX/XXXX @ XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX @ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX @ XXXX XXXX 2 times XXXX XXXX XXXX XXXX XXXX XXXX XXXX is the number

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 10/13/2015 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: As per the correspondence, I received from : XXXX - Dated : XXXX XXXX, 2015/ CORRESPONDENCE RECEIVED XXXX/XXXX/2015. 

This is to inform you that I 've recently pulled my credit report and noticed that there 's a collection listing XXXX on my credit report. I WAS never notified of this collection action or that I owed the debt. This letter is to inform you that I would like a verification of the debt and XXXX ability to collect this money from me. 

Under the FDCPA, I have the right to request a validation of this debt. I request that XXXX verify to me and prove that I am indeed the party who is contractually obligated to pay off this assumed fraudulent debt. Upon your review of my XXXX XXXX Financial Aide Records, your re-investigation will determine, there were no account balances. XXXX See attached e-mailed documents ). Enclosed with this email. 

XXXX should be made aware that reporting any invalidated information to major credit bureaus may constitute defamation of character. In addition, you must also be aware that until you validate this debt, you can not continue collection activities or report this information to the credit bureaus. Non-compliance with this request may land XXXX in serious legal trouble with the Federal Trade Commission XXXX FTC XXXX and other state/federal agencies. 
Under the FDCPA, debt collectors XXXX collection agencies or CAs XXXX are required to send you a debt validation notice within 5 days of contacting you to collect a debt. The notice should also inform you that you have the right to validate/dispute the debt within 30 days of receiving the letter. If you do n't dispute the debt ( or request validation of the debt ) within the 30-day period, the collector has the legal right to assume that you agree the debt is valid. 




Re : False Certification of Student Eligibility or Unauthorized Payment Discharge are unacceptable. 
Please be advised, I XXXX XXXX XXXX XXXX may be eligible for a discharge of my Direct Loan or XXXX Program loan under these circumstances : According to this correspondence received : UOP - / or an unauthorized agent at XXXX XXXX XXXX XXXX school signed my name on the application or promissory note without XXXX XXXX XXXX authorization or the school endorsed XXXX XXXX XXXX loan check or signed XXXX XXXX XXXX authorization for electronic funds transfer without XXXX XXXX XXXX knowledge, unless the proceeds of the loan were delivered to the wrong address or applied to charges owed by XXXX to the school. - As reported, I XXXX XXXX XXXX XXXX never received any disbursements ' from the XXXX See Invoice Statement. Generated, by attached emails from My XXXX Payment History Financial Aide Account. - I did not receive these funds. Neither were they deposited into my checking account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2016 about Credit card () with CITIBANK, N.A. (NY).
Issue: Billing disputes

Complaint: Citicards has been attempting to submit an unauthorized electronic payment out of my checking account two times in the past two weeks This has overdrawn my checking account both times. I called once again today to get the matter straighten out and I was told they were not able to stop the payment and a third unauthorized attempt is going to be made which will once again overdraw my account.

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