milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/22/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: In XX/XX/XXXX and XX/XX/XXXX, I XXXX XXXX XXXX, had reported fraud to all three Credit Bureau. Someone got a hold of all my credit cards and social security number, and was purchasing things in my name. XXXX XXXX XXXX is not my debit. This has been ongoing for 9 years now. If this was my debit I would have no problem paying it, but this is not my debt. Can someone look into this so I can put this behind me? At the time that this happen in did n't know I had to report this to the police and get a police report. I went to apply for something and when they rejected me I asked them why and they told me I had too many negative things reported on my credit report. When I told they what happen they asked me do I have a police report on this, and I said no they told me I should have report it and I did. The law office was provided with old credit report to show that I had a fraud alert on my credit and I also provided police report to both XXXX, XXXX Receivables as well as the law office involved in the case. XXXX XXXX XXXX from XXXX in XXXX is my financial counselor helping me ; her phone number is XXXX, you have my consent to discuss the matter with her.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2016 about Bank account or service (Other bank product/service) with CAPITAL ONE FINANCIAL CORPORATION (MN).
Issue: Account opening, closing, or management

Complaint: Capital One - 1 ) Refused to give me credit for the rewards dollars I accumulated on their credit card. 
2 ) Refusing to close my account twice even with a zero balance I opened a credit card account with Capital One earlier this year. The magnetic strip on my card stopped working so I requested a new one. During this time we moved to a new address for the first time in 28 years. They suspended my account and asked for all sorts of written documentation to be faxed to them. It would have been difficult to locate, given our move, and I would have had to travel some distance to a XXXX office to fax it, so I refused. I asked them to close my account and credit me for the {$120.00} of cash rewards I had accumulated. They refused. They made me pay my account in full without using my credits saying it was because they had suspended my account, so I 'm out the {$120.00}. Then they never closed my account as I requested despite having a XXXX balance. I just made a second attempt to close the account, was on the line for 30 minutes, and then they refused to do so until an investigator finished " investigating the account. '' I told them I was making notes of the conversation for this complaint and they hung up on me because of that. OK for them to record calls for training purposes, not OK for a customer to make notes of a call. I will now monitor my credit reports closely as well.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Transunion does not report my payments AGAIN!!! 
Last payment the TU reported on the credit report ( see attached ), =was XXXX/XXXX/XXXX. 
The Transunion reports incorrect balance, the correct balance is {$360000.00}. But TU reports that my balance is {$360000.00}! 

This happened repeatedly since XXXX. 
I was successfully disachrged from BK CH XXXX on XXXX XXXX. 
On XXXX XXXX I started to work on my credit reports, and I noticed TU does not reflect accurately and fairly my mortgage payments on the reports. 
( attached reports from XXXX ) In XXXX XXXX, I filed official complaint with Attorney General for District of Columbia, who helped me to deal with TU. Only Transunion does it. The TU repeatedly does stops to report my payment for mortgage what I do monthly! -- andit happened in XXXX XXXX, XXXX XXXX, in XXXX and XXXX. 

I attach supporting documents in evidence of their unjust and unfair treatment and harassing me. 
Please help

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/14/2017 about Debt collection (Medical debt) with Harvard Collections, LLC (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: XXXX 2017, I attempted to get validation on a medical debt that I believed may not be mine or inaccurate and/or incomplete. I wrote all credit bureaus regarding the issue, as I am a victim of identity theft and wanted to make sure the debt was mine and if so I sought documentation validating the debt was mine to include a billing statement, what amount insurance paid and/or the discounted rate if no insurance was paid, and date of service. During this dispute, the debt was deleted by all three credit bureaus after 30 days as being invalidated. I was informed that the debt would not reappear on my credit report unless the debt was validated and I was provided written notification within 5 days of reinsertion. I was never notified by the collection agency or the credit bureaus of reinsertion, note bearing my signature to the original creditor, payment history on the account, and itemized charges and fees. Due to this violation of the law, I rewrote the bureaus to notify them of the error and illegal practice. XXXX corrected the error because the reinsertion violated the law and removed the collection from my credit file, but XXXX did not due to the collection agency 's illegal practices. The collection agency through its communication did not notify me of the debt, my rights to dispute the debt, or the contact information of the original creditor. Also I have attempted to research the contact information of the original creditor but have been unsuccessful. I XXXX the original creditor and the internet provides data that reflects that original credit is an affiliate of the local hospital and list the local hospital as the contact phone number. When I called the hospital billing department ( XXXX ) I was sent to the emergency department. The ER department said that they do not handle that account and that company has been sold multiple times. They gave me the number to the company that handles the original creditor 's recent accounts at XXXX. This agency said they only handle the original credits scheduling and I was given another number to contact XXXX. I was informed they do not handle this debt and to try XXXX but I got no response. I have been trying to resolve this issue for several months. Please note that my address and phone number has been current with all credit bureaus for months.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2016 about Credit reporting () with EQUIFAX, INC. (AR).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Close to six years ago, I moved out of an apartment. I notified the utilities of the shut off date that I needed. A few years later when purchasing a vehicle I noticed that there were negatives being reported from the utilities I contacted the utilities and even though I did not owe the money, I agreed to pay the amount showing due, to clear the accounts. 
I was also advised that my deposit had been converted to cover the balance, and I was paying the amount remaining. It was made abundantly clear I disputed the balance and I asked for a investigation, so my payment ( s ) could be refunded. 
I never received follow up communications and it was only until recently, and much to my surprise and shock, only XXXX account was showing, an XXXX account, was shown as paid in full, but they still noted it was after charged-off ( even though this is unfair, I am not disputing that accunt ). 
The following accounts were paid in full, EVEN THOUGH I DID NOT OWE THEM, many years ago : XXXX XXXX 's tradeline that I owed to them the amount of {$220.00}, and XXXX tradeline that I owed to them the amount of {$130.00}. 
I disputed the following accounts on XXXX XXXX, 2016, and less than 24 hours later I received notification that Equifax 's investigation was complete and the accounts and amounts owed were accurate and complete. 
Equifax has a private contractual arbitration clause in their contract. I have already made my written demand, as required by their contract, to start the arbitration process. 
As Equifax testified to in in XXXX Equifax Information Services LLC, 3:11-cv-01231, that their policy is " [ t ] o take corrective actions to correct a consumer 's report is only undertaken if a civil action is filed, '' I do n't anticipate this complaint doing much good, in the short term, but I want to use their response to your agency in my Complaint. 
I am seeking punitive damages for willful violations of the FCRA and refusing to remove the inaccurate accounts from my reports, after this Complaint to your agency, will help establish the " willfulness '' element. 
I do not owe the amount alleged and even if I did owe it, it was paid long ago. 
Thank You for any assistance!

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: TransUnion denied me a free credit report because I received on in the past 12. This is not accurate. The last report I got was XXXX XXXX 2016. I got my credit report no problem from the other 2 agencies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2016 about Debt collection (Credit card) with UNITED SERVICES AUTOMOBILE ASSOCIATION (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Do you know how many years and times we tried to get USAA to do the legal thing. XXXX Not only did the credit card not only was robbery papers submitted, this company has illegally put the card in collections to sell it to someone else to make money, that is a crime. Not only that I was only main USER and XXXX XXXX was only an authorized user, from only XX/XX/XXXX to XX/XX/XXXX. USAA wo n't remove him and they illegally put him on their out of spite. This I find gross neglect and highly illegal. I was nothing more than that and not only that XXXX took USAA CREDIT CARD off my report realizing its illegal activity. Not only that, USAA reported wrong amount. There are 4 illegal things, not just one here, not only that 4 years I tried to resolve this, this is disgusting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CO).
Issue: Account opening, closing, or management

Complaint: Wells fargo started charging me for quicken but i never signed up for it.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (FL).
Issue: Settlement process and costs

Complaint: XX/XX/XXXX i 'm started the aplication for Loan Modification program trough HARP, I made the trial payments to American Servicing Company, after that I make calls to asked the status of my aplication, not answers or no status provided at that time. 
I was follow the status for my aplication weeks to weeks, until XX/XX/XXXX one agent told me the aplication was aproved but no letter or correspondence was sending to me. 
I check the public records filed in XXXX County, FL for the records of the loan modification and I check the aplication agreement was aproved and signed on XX/XX/XXXX that 's XXXX months after the initial day on the lease paragraph XXXX. 
American Servicing Company never sent me a letter of explanation about this mistake, this error was critical for my family economy, because I have to pay sometimes twice of the mortgage payments in period less that XXXX month. 
I like to revised the proper documentacion for the Loan Modification and if the correct time and procedures was following in my case. 
It 's important the lender inform to the customers of the state of the modification, because at this time the bank force me to go to foreclosure and disaster economics times at my family.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Credit card () with SYNCHRONY FINANCIAL (WA).
Issue: Customer service / Customer relations

Complaint: Synochrony Bank issued a XXXX XXXX XXXX XXXX in my name In XXXX. I did n't receive the card until XXXX and was not able to activate the card either by phone nor on their website so I did n't use it. I received a letter from them the middle of XXXX where they stated they would send my card to collections if I did n't pay by the next due date which was XXXX XXXX. Again on the XXXX I tried to activate my card both by phone and by their website but kept getting caught in a phone circle saying they could not find my information and asked me to input the information again. There was no option to ask for customer service nor was there another phone number provided on their letter, their website, nor the card itself. Their online registration stated the information I provided was incorrect, it was n't. Finally after the XXXX or XXXX time trying online it gave me a message that my birth date was incorrect ... .they had incorrectly put it into their system. By the time I found this out, their offices were closed and I had to wait until Monday the XXXX to have them fix their error. Getting to their customer service department was a nightmare ... without any options provided I tried dialing XXXX to get an operator, that failed so I just ignored all of their numerous requests to state why I was calling and that FINALLY caused them to route me to customer service. Unfortunately, once there the service rep fixed my birthdate in their system but I was told I would have to deal with their collections department to make my payment as my account had been sent there. I paid the account in full and explained the situation to the person I spoke with, they stated they Would Not take the credit collection note off my credit report, even though the error they made caused me to have the account go to collections ... Their mistake, they should reverse their collection notice on my credit report ... .Very unhelpful people to deal with.

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 05/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On  XXXX   XXXX ,  XXXX  I sent a letter to  XXXX  requesting that they remove  XXXX  inaccurately reported  XXXX  late payments from  XXXX   XXXX  from my credit report. All  XXXX  of my federal student loans which were serviced by  XXXX   XXXX  were in forbearance at the time of the alleged late payment, yet for some reason  XXXX  of them are showing as 90 days late on my credit report. I included a letter I received from  XXXX   XXXX  in  XXXX  showing the dates of my forbearance which included  XXXX   XXXX . If loan accounts are in forbearance it means no payment is due so how can a payment be late if no payment is due. Supposedly  XXXX  " investigated '' this matter and continues to report that this information is accurate. I have disputed it with all  XXXX  credit bureaus and they continue to confirm this information is accurate with  XXXX . I do not feel anyone actually investigated this matter, no actually read my letter as they are unable to actually tell me WHY this information would be accurate given my student loan forbearance status, they just sent me a form letter indicating their information reporting to the bureau is accurate.

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 05-01-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (NM).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: In XXXX I closed my XXXX cable account by paying what I owed in full. I would not have been able to closed the account without paying what I owed first. 

I received a bill from XXXX XX/XX/XXXX ( over two years later ) stating that I owed {$180.00} without any documentation as to why I owed this. I contacted XXXX Customer Service and was informed that they had just updated their software systems and they alleged that I owed the {$180.00}. I told customer service i closed my account two years ago and it was paid in full at that time. Customer service could not provide me with any information as to why I owed this debt two years later, other than that there was a computer glitch. As far as I know, a company ca n't just make up a debt and say you owe it without physical evidence. 

A week after I received the bill from XXXX XXXX, My alleged account has now been turned over to a collection agency called Convergent on behalf of XXXX XXXX, stating that I owe the {$180.00} and need to pay it immediately. 

These are the alleged account numbers ; XXXX account number XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Convergent Outsourcing, Inc. account number XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX I do not owe this money, and I request that you help me.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have notified Trans Union and XXXX XXXX(XXXX XXXX)  via mail that there are some unrecognized/unauthorized inquiries on my credit report. The inquiries are dated XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. I have not gotten any responses from XXXX XXXX(XXXX XXXX) or Trans Union.

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 08/25/2015 about Debt collection (I do not know) with WELLS FARGO & COMPANY (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I keep receiving calls from Wells Fargo Home Finance indicating that someone named XXXX at my number needs to speak with them. There is no XXXX at my number and I 've had this number for 5 years. I 've received 17 calls in 7 days including weekends and I 've told them numerous times to stop calling me as I am not the person they are trying to reach.. This is ridiculous and they wo n't stop despite telling me they will stop stating " It takes time to remove me from their call list ''. XXXX it does n't. They pull up the record to my number and told me how many times they called me as soon as I tell them to stop calling me. This is carelss harassment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Receivables Performance Management, LLC (IN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: i have talk to then and told then it was not me and show all I got that say it not me and they have not stop.i wish you put a stop to then and show it not me.i have try and try to tekk then it not me but they have not stop so I an sending this to you and let you stop then

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 06/24/2017 about Checking or savings account (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (GA).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: I received a settlement check from a car accident and deposited it via mobile onXX/XX/XXXX for {$3800.00} into my USAA account. The attorney that issued the check banks with XXXX XXXX XXXX. After taking a picture of the check and making the deposit I placed the check in a folder where I keep important documents. In XXXX I was going back and fourth to the library and I carried my folder with me. XX/XX/XXXX my husband took my vehicle to a XXXX dealership to get my vehicle detailed. He stated he placed my folder in the trunk of the car. XX/XX/XXXX I checked my account online and noticed XXXX missing. I contacted USAA and they told me there was a duplicate transaction with the check. I went to the trunk of my vehicle, looked in my folder and noticed the check was not there. My husband went to the dealership and spoke to the manager, he stated he would review the cameras. We contacted USAA again and filed a fraud claim on our account. I went to XXXX County Police departmentXX/XX/XXXX and filed a police report. Case # XXXX. I contacted the attorney and advised him of what was going on. He stated he did not see a dup check on his end. OnXX/XX/XXXX I received a copy of the check from USAA. The check was presented to XXXX XXXXlXX/XX/XXXX on XXXX XXXX. I went to that XXXX XXXX branch and spoke to the manager he stated the fraud would need to be handled by USAA and XXXX. I went to XXXX police dept and filed a police report Case # XXXX. The detective stated he spoke to the person that cashed my check she stated she met her cousin and a female, he told her it was his girlfriend and she was having problems with her account and asked her to cash the check for her. It is nowXX/XX/XXXX all involved banks are stating it is not their fault it is the other bank. USAA and XXXX have both closed their fraud investigation and I do not have my money back. I have fallen behind ALL my bills because of this situation and would like for this to be resolved immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2015 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: I have a loan ( XXXX mortgage ) on a XXXX home where I spend 4 months of the year plus weekends during the remaining 8 months with PNC Mortgage. This loan is a purchase money loan that I have had for almost 2 years, with no payment problems. However, when I asked PNC Mortgage whether I can transfer the title into my XXXX Trust ( a standard estate planning document ) they said no. They told me that if I go ahead and make this transfer they will declare the entire balance of the loan due.

Company response to consumer: Closed with explanation