milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On  XXXX   XXXX , I received an email stating my account was unpaid. I checked my banks website, which I had ebill setup on with   XXXX   for years and have always paid my bill, and they had not received a bill since  XXXX   XXXX . I logged into  XXXX  's website immediately and paid the bill in full, I proceeded to check my email for any indication my account was over due before I was notified on  XXXX   XXXX , but have no communication from  XXXX  saying as much. In addition, I have received no notification that they were going to stop the use of ebills from them via email, mail or telephone. Upon payment in full of the account, the website said it will not be reported to the credit agencies that my account was " overdue ''. I contacted a young lady in customer support shortly there after and she confirmed they are no longer accepting ebills, does not know specifically when they stopped accepting them, and that my credit report would not be affected by this because I was not communicated with about the change in service. She even removed the late payment fee 's due to this. Two days later I was notified by my credit monitoring my credit score dropped  XXXX  points, and upon review of my credit report even though it shows as everything paid as on time for the  XXXX  account, they are reporting it as 60 days late. This contradicts both what the online payment website said, and what the customer service representative had told me. I contacted them again and got a different person, who after almost a hour and a half told me yes as a consumer he would feel frustrated as well but there was nothing he could do and I would have to contact someone higher than him or mail in a letter, not providing any information on who was higher than him, only an address and fax to send a letter to.     I have been a customer for many years, I do not carry a large balance, maybe  XXXX   XXXX  which is paid monthly. While the first representative was willing to help and make promises that confirmed what their website said about the credit report, two days later was the first time anything appeared on my report regarding them and the next representative was unable to help at all.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (NJ).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I have requested information /validation on this dedt bearing my signature and have not received anything stating that owe this company and money, they have repeatedly respond stating that they investigate and verify the validity of my dedt and do n't even allow me to dispute there claim I have never signed a contract, nor do I owe thme any money

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/17/2016 about Credit reporting () with EQUIFAX, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I requested proof of debt. XXXX could not provide my signature or any other proof the debt was mine. I filed a dispute with Equifax and with CFPB. The collection account was removed from my report as a result of no proof of accuracy. XXXX reported the same *incorrect* collection account to Equifax *again* just this month and it is now listed inaccurately on my report. I respectfully request the inaccurate account be permanently removed from my credit report and XXXX cease and desist immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2016 about Prepaid card (Mobile wallet) with NETSPEND CORPORATION (CA).
Issue: Unauthorized transactions/trans. issues

Complaint: I have a netspend debit, credit card, I have several direct deposit going into that account. 
On XXXX/XXXX/16 my retirement went into the account. Some called in and talk to customer service agent and ask to have my pin change and address. They transferred {$1000.00} into some name XXXX XXXX account without my knowledge. They sent me a email stating that some request pin change and wanted the money transferred, if you did not request please call right away. I did to let them know it was not me. They started talking about it would take up to 45 days It did not take them that long to give my money away. I 'm really thinking it is a inside job, there are so many complaints against Netspend of them not returning their money. They should be closed down if this is the way they conduct their business. Hope someone can help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2016 about Student loan (Non-federal student loan) with First Associates Loan Servicing LLC (OK).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: XXXX took out a loan on my behalf to pay for a Temporary Credit they say I owed them immediately upon graduation and that I could not setup a payment plan on. My understanding is that this is common practice for them and I am not the only person who has had this happen to them. 
There is no way I should have even qualified for this loan, or any loan from them, as I had no income and no co-signer when I applied for XXXX and no means to repay the loan other than a promise of a high paying job once I graduated. 
The loan was through XXXX XXXX XXXX XXXX

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 08/29/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I am writing to file a complaint against TransUnion Credit Reporting Agency. I submitted a request twice for investigation XXXX XXXX XXXX account ( Acct Number # XXXX ) from my credit. I submitted enough information and TransUnion to carry out a reasonable investigation of my dispute. 
They did not investigate properly instead they used XXXX system. I submitted a letter from origin creditor in which stated that he will remove the account from third-party collections and instruct the collection agency to delete any negative information reported to my credit report file relating to this account. But TransUnion did not investigate this account thoroughly enough and keeps this account in my credit file. 
It is at this time that I will point out that in XXXX v TransUnion, XXXX v. XXXX ( XXXX ), and XXXX v. XXXX, XXXX, et al, the courts ruled each and every time that the CRA could n't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form through the XXXX system that does not even contain my reasons for the dispute is not reasonable. 
I may suffer damages because I rely on an accurate and complete statement of my credit record and demand that TransUnion remove the disputed items from my report immediately as They failed to comply with the law. Transunion Credit Reporting Agency must pay up {$1000.00} fine for violation of the Fair Credit Reporting Act. 
I am requesting your assistance in putting an end to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with CONSUMER PORTFOLIO SERVICES, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: A person by the same first name as me is showing up on my consumer report. We have different last names and I do n't know this person. Previously, in the past 2 months I have received phone calls from marketing companies asking for this person. And last week I received two pieces of mail addressed to this person.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2015 about Debt collection (I do not know) with Capital Management Services, LP (NM).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: Capital Management is calling my cell phone and leaving messages directed to me specifically however they are looking someone else and They give a reference # and phone # to call back. I think it 's really weird and creepy how they got my name and cell phone number. Furthermore they are attempting to collect a debt on someone else but yet are trying to get information out of me as to where this other person is. They are pushy, negative, and advise they will keep calling. Also in the message they said it 's about a light and do n't identify themselves and their initial purpose until I call them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 01-05-2018 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (OH).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint: On XXXX/XXXX/XXXX and XXXX/XXXX/XXXX XXXX XXXX XXXX contacted my place of employment to collect a debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/18/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with Synovus Bank (CA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: I was unaware that the security deposit was what I needed to activate card and would like my  XXXX  dollars refunded

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/15/2017 about Mortgage (FHA mortgage) with RoundPoint Mortgage Servicing Corporation (IN).
Issue: Trouble during payment process

Complaint: I closed on the sale of my home on XX/XX/XXXX. Subsequently I called to give Roundpoint my new address so my escrow refund would be mailed to my new address. On XX/XX/XXXX I received my Customer Account Activity Statement addressed to my old address and called. It was dated XX/XX/XXXX and showed my escrow account was refunded XX/XX/XXXX. But the CSR told us it was mailed XX/XX/XXXX! I was repeatedly told they would not stop payment and reissue until 10 days after the check was issued. On XX/XX/XXXX I spoke with XXXX who said the check was issued XX/XX/XXXX! She promised to stop payment and have it reissued through the Cashiers Dept and would call us by XX/XX/XXXX. On XX/XX/XXXX I had to call her as I had heard nothing. I waited on the phone for close to 45 minutes for her to pick up my call. She agreed to stop payment, let her Cashiers Dept know I wanted the check sent overnight, and call me on XX/XX/XXXX. She did n't call. I called her today, XX/XX/XXXX, and waited 1.25 hours for her to take my call. She then informed me a check was MAILED XX/XX/XXXX because she did n't get with the Cashiers Dept quickly enough to have it sent overnight. So, now I 'm to wait another 10 business days to see if my check is received. It 's my understanding that escrow refunds are to be received within 30 days of the escrow account being closed. That did not happen. I also have a witness that heard both sides of the conversations because I had all calls on speaker phone.

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 09/25/2016 about Credit card () with WELLS FARGO & COMPANY (MD).
Issue: Credit line increase/decrease

Complaint: I had a credit card with Wells Fargo. I am unsure if I requested it or it was given automatically. I had a credit limit of XXXX on the card and had a mortgage and my salary directly deposited into my checking account at the bank. I had no issues until some months later when I incurred a XXXX monthly fee. I inquired and was told that in order to not have a monthly fee I would need " direct deposit and a we credit card with a limit of at least XXXX. '' I told the representative that I met that criteria and then I was told that my credit limit had been reduced to {$1400.00}, unbeknownst to me. So the bank decreased my credit limit so they could start charging me a XXXX monthly fee. I was livid and still am, but it is time consuming and super frustrating to re-establish my mortgage and accounts with another bank, but boy would I love to do so. I have been paying this now for at least 2 years and thought I had no recourse.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 06-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There is an address on my credit report that I have never lived at.

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 10-03-2017 about Checking or savings account (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (NC).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: USAA closed my bank acct effective XX/XX/XXXX, I have not yet received any notification that my account has been closed. the only communication is when I call them which was on XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX. they have only informed me to say that the will no longer be doing business with me and that my account was closed on XX/XX/XXXX. for potential fraud. I have since had Three XXXX checkecks that were deposited and recieved after and since my account was closed. the bank has stated that they will mail my funds to me on XX/XX/XXXX. I am a XXXX Veteren and I can not sustain life without my funds that they are holding. they have even stated that the decision is final and that is no person that I can talk to change them not giving my money and that I have no choice but to wait 60 days for them to send me a check. this is WRONG! 

I NEED HELP WITH THIS MATTER - THIS IS AN EMERGENCY AND IT SHOULD BE ILLEGAL

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/20/2016 about Debt collection (I do not know) with Diversified Adjustment Service, Inc. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Since XXXX, Diversified Adjustment Services continues to leave generic robocalls on my landline answering machine ( from a variety of numbers, changing the last XXXX digits ), stating that they are calling me for a debt collector, that I need to call XXXX, despite the fact that I do not have any delinquent debts. I have filed XXXX complaints with the " Do not Call Registry, '' since my answering machine clearly states that my number is an unlisted number, and is on the registry. I have also filed a complaint with the FTC. Last night ( XXXX/XXXX/16 ), they called again. So, I decided to try this. I recognize that debt collectors have a loophole to get around the " Do Not Call Registry '' ; however, that should only be for someone who may have a delinquent debt, and that the debt collector calls personally. This agency obviously does not know who I am, because the robocaller does not use my name ( because they do not know it because I have no delinquent debts ). If they think that they can scare/scam me into returning the call, that will not happen. ( because I DO NOT HAVE delinquent debts )

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Conn's, Inc. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX XXXX XX/XX/2017 credit inquiry. I had applied for a checkings account and didnt know they would do a hard pull. 
XXXX XX/XX/2017 - XX/XX/2017 Conn Credit Corp XX/XX/2017 - XX/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (CT).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Hello, my name is XXXX, I received a collection letter from Midland Funding. I sent them a certified letter asking requesting debt verification. I got the receipt back that is was indeed delivered. I never heard back from them. Upon checking Small Claims court cases I discovered they still went ahead and got a judgment out for me to start paying {$35.00} a week starting on XX/XX/2017. From what I understand it 's against the law for them to ignore my letter and continue with the case. Is there anyone that can help me with this as far as what steps I should take in order to protect myself? Any help would greatly be appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-04-2017 about Bank account or service (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Account opening, closing, or management

Complaint: My husband and I have multiple bank accounts with Capital One. Joint checking, business checking, savings, and savings accounts for my children, and a checking account for my mother in law that we also control ( 6 or 7 accounts in total ). We have had these accounts for many years - originally with XXXX, and then Capital One when they bought XXXX. On XX/XX/2017 we received 4 letters in the mail ( one each for XXXX of the accounts ) dated XX/XX/2017, saying the following : " Your account ending in XXXX will be closed on XX/XX/2017. As provided in the rules governing deposit accounts that you received at account opening, Capital One Bank may close any account in our sole discretion at any time and for any reason. We 'll send you a cashier 's check for the balance. Please stop writing checks and cancel any automatic deposits or payments for this account right away. If you have any questions, please call us at XXXX or stop by the branch. Thanks, Capital One Bank '' This is the first notification we have received of this. We have a lot of money in the bank. We have never once overdrawn. I have a huge amount of time invested in setting up bill payment, direct deposit, online access, etc. This is a HUGE inconvenience, and while it may be allowed, I ca n't in my wildest dreams imagine a business reason for doing it. 

We called the number on the letter immediately. That was Thursday evening XX/XX/XXXX. My husband went through 3 layers of people. Nobody could help. He was told that he had to speak to a case manager, and that person would call on Friday ( they never did ). He tried calling and once again got nowhere. He went to the branch ( as mentioned in the letter ). They could do nothing for us. They said they have no access to the system that could explain this. Now it 's the weekend. We will be out of town for much of this coming week at a conference for business, so we have almost no time to deal with this. By the time we return it will be XX/XX/2017 and the accounts will automatically close 2 days later. We ca n't wait any time at all to be opening new accounts and have a way to pay bills. I ca n't fathom a reason for this. The only possible explanation we were able to get from the 3rd person on the phone on Thursday night was that they had discontinued offering the types of accounts that we have. Okay. So, why not send a letter saying that, and give us 30, 60, or 90 days to transfer to a different type of account?

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CCS Financial Services, Inc. (PA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Credit Collection Service placed account on in my credit file without notifying me. In my previous dispute to them, I advised them that they are in violation of the early warning notice clause of the FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify consumer by mail before placing negative items on their credit reports. Moreover, Credit Collection Service are in violation of FACTA section 623 ( A ) ( 7 ) because they did not remove the items off my credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (MN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This debt was on my report for years before I realized it. I disputed it and it was removed in XXXX. 

In XXXX XXXX, it was added back to my reports, without any proper notification. It is also listed as a newer debt, as of XXXX XXXX, not showing any original default date. Considering it was on my report prior to that and removed, when they couldnt provide a legal document bearing my signature or verify the debt was mine. This clearly ca n't be accurate. Originally, prior to removal, it was stated the debt was from XXXX, possibly earlier. Not only are the reporting false data, but also reporting something that is not my debt and added back with no proper notification. Since they ca n't provide me with anything bearing my signature, that the debt is mine, it should be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2017 about Credit card () with SYNCHRONY FINANCIAL (TX).
Issue: Billing disputes

Complaint: Bank changed closing date to XX/XX/XXXX instead of XX/XX/XXXX with no notification citing the reason of XX/XX/XXXX only having 28 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2016 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (DE).
Issue: Deposits and withdrawals

Complaint: Citizen 's bank refused to accept a check for deposit to my and my husband 's account that has been issued by XXXX auto insurance company for insurance on my car because of my completion of driver 's defense course. Title deed on the car and the insurance policy is issued in the name of my and my husband 's living trust of which I and he are trustees and our adult children are co-trustees and I and my husband are managers of the trust.

Company response to consumer: Closed with explanation