milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/24/2015 about Debt collection (Credit card) with U.S. BANCORP (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: In XXXX 2015, I entered a debt relief program with XXXX XXXX XXXX. A POA signed by me was sent by XXXX to Umpqua Bank, one of my credit card creditors. Contact address and telephone number for XXXX was given to Umpqua. During XX/XX/XXXX, I was contacted at least XXXX times by ELAN, a company that represents Umpqua, and informed them that XXXX was handling the matter. In one call, the ELAN employee even gave the XXXX phone number to me, evidencing the fact that Umpqua had so informed them. After threatening a complaint to the FTC and AG, on XXXX XXXX, I received a call from XXXX XXXX, a supervisor at ELAN who promised I would receive no further calls. Despite that promise, and after giving him XXXX 's address and phone number, I received another call from ELAN on XXXX XXXX, and again today, XXXX XXXX, from an employee named XXXX. XXXX claimed they never got a POA from XXXX, although Umpqua, its principal certainly did. XXXX 's number at ELAN is ( XXXX ) XXXX, and address is Cardmember Services, Att'n : Support, XXXX XXXX XXXX, XXXX XXXX , MO XXXX. After speaking to XXXX, I called XXXX XXXX XXXX XXXX XXXX, and was told that ELAN did have their address and telephone number and had been contacted by XXXX and told they represented me. 

ELAN 's repeated calls to me are a clear violation of the Fair Debt Collection Practices Act. I am enrolled with XXXX because they have determined that I am eligible for the debt relief program in light of the hardship created in the last few years by the expenses for XXXX, XXXX XXXX, XXXX XXXX, my substantial drop off in income over the last XXXX years due to the economy. Yet ELAN apparently thinks it can harass me despite this program and the law. 

ELAN/Umpqua should be dealing with XXXX and they know it. I can only guess that they hope to harass me into dropping out of this compassionate program. Please investigate, and if you determine I am correct, fine or otherwise penalize them so that they will no longer do this to me or any other consumer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2015 about Credit reporting () with EQUIFAX, INC. (LA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I had a bankruptcy XXXX years ago, and it is still showing up on equifax, which is preventing me from buying a home at a good rate. They need to take it off like XXXX did so my score will be XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/21/2018 about Payday loan, title loan, or personal loan (Installment loan) with Rosebud Economic Development Corporation (MI).
Issue: Charged fees or interest you didn't expect

Complaint: last year I made some applications to a few loan companies and never took any loans. I started to receive texts from and unknown source that I would delete. Then 3 weeks ago I was sent a check from XXXX XXXX. I had no banking relationship with them for since XX/XX/2017 at minimum. I researched the memo on the money order which indicated that it was some sort of legal settlement from a class action suit against XXXX. 2 weeks after that I get a letter from XXXX showing that XXXX had come into a closed account from a XXXX XXXX. XXXX took out what I owed them and sent me the balance. I never requested this loan. this loan was forced on me just like XXXX XXXX forced loans and such on its clients. I had no knowledge that the money i was sent was from a loan company and it tool several visits to a perplexed rep at XXXX to ascertain what happened. I do not owe this money under civil law. 
I do not know how i was forced this loan. I deleted all threads from companies making these loan offers and never hit reply or opt out ... that is what the thieves need you to do to hack your phone so I just ignore and delete

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 02-01-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with TRANSWORLD SYSTEMS INC (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I have contacted TransWorld Systems, 5 times to date via certified mail, they are reporting an unknown account on my credit as it relates to XXXX- I have never had service with XXXX. 

My concern, is that I was never initially contacted about the debt before it was placed on my credit and I have not been contacted after reaching out to them 5 times!!!

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2017 about Credit reporting () with EQUIFAX, INC. (NV).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax is reporting  XXXX  separate  XXXX    XXXX   accounts in my name in  XXXX , Texas.     I and my husband have lived in Nevada and I am attaching property records from  XXXX  County of the home we live in currently since   XXXX  .     I have never done business with  XXXX  and this information needs to be removed as  XXXX  has not responded to me with proof that these accounts are mine, no papers with signatures or photo  IDs .     Why there are  XXXX  accounts opened on the same day is beyond me and why they would allow that is also beyond me when they should have pulled a credit report and would see that I live in Nevada.     Please instruct the  Credit Reporting ag ency to remove this from my credit report immediately.     Regards,  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I paid XXXX XXXX XXXX back in XXXX. They sent a letter to all XXXX credit bureaus and my wife and I showing that the account was satisfied in full. The problem is that all the credit bureaus are reporting this account in the remark section as " settled for less than full amount ''. I asked them all to remove the remark from this account. I uploaded and faxed documentation from XXXX XXXX XXXX showing this account was satisfied in full. It 's now XXXX, and we are in the final process of getting our XXXX home, and the remark is still showing on our reports. We need to have the remark removed.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2016 about Debt collection (Credit card) with HSBC NORTH AMERICA HOLDINGS INC. (NY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Hi ive recived a zero Blance letter from XXXX XXXX XXXX XXXX # XXXX. And iam trying to refinac my home but the bank wants more proof than zero blance can you please help me with this problem if you can email me some more proof XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2017 about Credit reporting () with SYNCHRONY FINANCIAL (CA).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: Back in XX/XX/2011 I had to close an account because an ex of mine opened a credit card under my name without my permission. I was left to pay the bill, I did n't know until now that I could dispute the credit report. I was afraid he would of tried to make more purchases. He was trying to ruin my credit and he suceeded. I had to pay a lot on charges he made.

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 09-06-2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: The following credit inquiries appeared on my Experian credit report that are the result of fraud/identity theft. I 'm seeking assistance in the immediate removal of these inquiries from my Experian credit report : XXXX made on XXXX/XXXX/16 ; XXXX XXXX XXXX XXXX XXXX XXXX, SD made on XXXX/XXXX/16 ; XXXX XXXX XXXX XXXX XXXX XXXX, SD made on XXXX/XXXX/16. In addition, I have a fraud alert filed on XXXX/XXXX/16 with XXXX alone with a police report completed on XXXX/XXXX/16. I 've even completed a formal investigation request with the FTC as my identity has been stolen and my personal information has been sold to potentially multiple people. Your assistance in getting these inquiries removed from my Experian Credit Report is appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-05-2017 about Debt collection (Other debt) with AFNI INC. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I got nothing owed from XXXX company since I cancelled my account from them on 2012. 
Do not know how they got it I am just tired dealing with this collection agency. So, I reported these matter to stop! 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2016 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (DE).
Issue: Deposits and withdrawals

Complaint: On Friday, XXXX XXXX, I overdrafted on my USAA checking account as I did n't move money over from my USAA savings account quickly enough. This of course is my error. My concern is that my USAA XXXX which is where my overdraft is linked to had the {$700.00} cash overdraft posted as of XXXX XXXX but the {$700.00} is still not deposited to the USAA checking account. When I called this morning and spoke with XXXX and XXXX, I was advised that because it was a weekend that the {$700.00} deposit would n't most to my checking account until Monday or Tuesday. I confirmed with XXXX as I suspected that interest begins billing immediately on the {$700.00} cash advance ( so as of Saturday morning ) yet I have yet to see the {$700.00} post to my checking account. I feel that this is a UDAAP violation. How can they charge interest on my credit card for {$700.00} when I do n't have the {$700.00} in my checking account yet? Seems like a control break in their process since they do n't appear to process certain transactions on weekends. This is not my issue and should not fall back on the consumer. I would like to ensure that I am not charged for interest until the {$700.00} is in my account. Which I am still waiting for as of the morning of XXXX XXXX ....

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 12/19/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: While we are trying to refinance we discovered that all XXXX major credit reporting bureaus had the wrong date recorded for our bankruptcy discharge date. Correct date is XXXX/XXXX/XX/XX/XXXX not XXXX. After sending the supporting court documentation, XXXX and XXXX corrected the information within 48 hours. Experian did not. We even sent additional information to Experian showing the court made a mistake and the court order to vacate the incorrect bankruptcy order as it was an error. Experian still has not fixed the issue. My wife has called 9 times trying to get the issue resolved and explained to them the time crunch regarding our refinance. She has been hung up on, promised a call back on XXXX different occasions ... .which she did not get. There attitude regarding customer service and trying to help us has been rude and very unhelpful. Also there is an incorrect code under the payment history for XXXX XXXX and fairwinds federal credit union. The underwriting department sent us a screen shot showing the incorrect code under payment history ( XXXX ) This is a charge off foreclosure code and not a bankruptcy discharge code. Experian says they ca n't see the code in payment history even though we sent then a screen shot showing it. We are extremely frustrated because they wo n't correct the info even though they verified that they received the forms we sent and the other XXXX agencies did. If it is not corrected ASAP we are not going to be able to close on our refinance in a timely enough matter to stay at a lower interest rate. Also we are concerned that it will not get corrected at all which will further affect our credit.

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 08/27/2015 about Mortgage (Conventional fixed mortgage) with RoundPoint Mortgage Servicing Corporation (MI).
Issue: Loan servicing, payments, escrow account

Complaint: We have a very low interest rate. Our mortgage company is changing our rate when we have a fixed rate. They are telling us we are behind in payments and we owe money when we are not. Every 6 months they tell us that we owe XXXX dollars and threaten to foreclose. We have thousands of dollars left in escrow and it just seems to disappear. We have hired lawyers before and they settle with our house company and say we are caught up, and we end up having to pay XXXX dollars for our lawyer. 6 months later they start doing the same thing again. At this point we are seeking any help on the unfair practice that they are giving us. They are just trying to get us out of our mortgage because of our low interest rate. The reason they had to take such a low interest rate was because we were part of the XXXX ordeal, when they went out of business. We would appreciate any help you could give us.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2017 about Prepaid card (Gift or merchant card) with PAYPAL HOLDINGS INC. (TX).
Issue: Unauthorized transactions/trans. issues

Complaint: I bought XXXX EBAY gift cards around XXXX XXXX to XXXX XXXX : Details given Below : Gift Card number : XXXX was bought on XXXX. It should have {$100.00}. It does not have any remaining balance. 
Gift Card number : XXXX was bought on XXXX. It should have {$200.00}. It does not have any remaining balance. 
Gift Card number : XXXX was bought on XXXX. It should have {$100.00}. It does not have any remaining balance. 
Gift Card number : XXXX was bought on XXXX. It should have {$200.00}. It does not have any remaining balance. 
Gift Card number : XXXX was bought on XXXX. It should have {$200.00}. It does not have any remaining balance. 

The gift cards were purchased at EBAY website from seller PAYPAL. EBAY and PAYPAL were owned together at that time. 

These gift cards could only be used at EBAY.com and nowhere else. I have proof of purchase emails available and furnish as necessary. 

All these gift cards have been fraudulently used by someone and zeroed out. EBAY Fraud detection team acknowledged that but they are not helping me further at all in recovering the {$800.00} or any part of it. 

I want the answers to the following questions : Which ebay users registered in which countries used these gift cards? I want the user 's verified addresses and names so that I can raise a civil lawsuit against those people. 
What is the action that EBAY has taken against these users for using my gift cards? 
What is the transaction history of the gift cards? 
What are the fraud prevention measures that EBAY took before people trying to redeem my gift cards? 
How many gift card balances did those user ids check before trying to use my gift card? 
How long those user ids are active and are they still active? 
How many of these gift cards are being fraudulently used everyday? 

I did not buy these gift cards from third party but their erstwhile sister company Paypal and from EBAY 's website. 

If Ebay can not safeguard the gift card usage by people, then they should have a fiduciary responsibility to stop selling gift cards everywhere. 

It seems like ebay condones people from stealing gift cards of others without punitive action. 

I need more answers than a cookie cut and paste response. 

Could you please help taking my case up with EBAY to get all these details? 

Also, could you please help me getting my money back from EBAY?

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/27/2017 about Debt collection (Medical) with Allied Collection Services, Inc. (Nevada) (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: ALLIED Collection Services ( Nevada ) attempted to collect {$610.00} for XXXX ( XXXX ) on a {$9.00} co-pay. 

The principal amount of {$420.00} went to collections after an insurance billing error. My insurance company paid the bill and XXXX zeroed out my balance. ALLIED claimed that I still owed {$190.00} in principal. After speaking with XXXX repeatedly and forwarding documentation, I was still told I owed XXXX {$190.00} - it turned out these were really ALLIED 's fees and interest. 

I still owed a {$9.00} co-pay, but ALLIED charged me {$13.00} to cover their interest and fees. 

ALLIED then asked me to pay a bill from XX/XX/XXXX, also for XXXX in the amount of {$56.00} - {$42.00} in principal and {$14.00} in interest and fees. I requested an original statement, since I was not familiar with this debt. 

I later received a phone call from XXXX # XXXX informing me that they reported this debt to the credit bureaus on XX/XX/XXXX, but I could receive a letter to remove both credit report items if I paid immediately. At the time of the call ( XX/XX/XXXX, XXXX PST ), this debt was 7 years, 3 months and 28 days old - past the statue of limitations for credit reporting. 

I asked to speak to the supervisor " XXXX '', but she was again in a meeting and unable to speak, so I outlined my complaint to XXXX. He was going to transfer me to XXXX 's voicemail, but it was a line that just rang and never picked up. I called XXXX back on his direct line and he immediately transferred me again, so I hung up and called XXXX again on his direct line and he did n't answer.

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 09/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: This is an account that is not mine, I 've disputed, I 've produced paper work from the XXXX. They will not remove this account from my credit file. I have no knowledge of what the bank is where it is, if it even exists where I live. I 've never heard of the company and whats most confusing is there is a XXXX balance. this is negatively impacting my credit file and it is not my account

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (OH).
Issue: Loan servicing, payments, escrow account

Complaint: My loan with Wells Fago was paid off on XX/XX/2016 loan # XXXX. I refinanced my FHA loan. Both the title company and Wells Fargo confirmed I would receive my current escrow balance of {$1700.00} in a check. I called WF to follow up on XX/XX/2016 as to when I would receive this check discovering the check amout was differnet from above. {$150.00} has held from the check amout in escrow to pay another month of Mortgage Insurance making the check amount {$1500.00}. 
{$450.00} was already collected on my Mortgage Insurance Payoff Statement ( 3 months- see attached ) I feel that I am owed the {$150.00} in escrow and I do not owe another month. 
Seems to me I am being charged a Pre-Payment Pentalty

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 04/15/2018 about Debt collection (Other debt) with SYNCHRONY FINANCIAL (DC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Debt has been paid in full

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 12/15/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (WA).
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint: Card was issued and began reporting to credit bureaus on or around XX/XX/XXXX. As of XX/XX/XXXX this card is in default in the amount of {$2600.00}. This card never should have been issued due to previous credit history of Chapter XXXX bankruptcy in XX/XX/XXXX. Summons and compliant was issued in XX/XX/XXXX and served on XX/XX/XXXX. It is unclear from this documentation how much of the consumer debt at issue is amounts spent versus interest and penalties accrued on the card. The issuance of this credit account appears predatory in nature given the fact that the account was issued only a year after bankruptcy filing.

Company response to consumer: Closed with explanation