milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-06-2017 about Checking or savings account (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (KS).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: Good Morning XXXX XXXX and Gentleman : For the first time in my XXXX years of life I have had to file FTC complaints for the three subjects noted above which have each occurred to me in the past 2 weeks. The FTC File numbers are as follows : Identify Theft : XXXX - Unauthorized Debit Card usage by an unknown party in XXXX XXXX, CA. and investigated ( concluded to my satisfaction by XXXX XXXX XXXX ). 

Internet Wi-Fi Scam and Phishing : XXXX - Wi-Fi lock-up of 3 personal laptop computers through our XXXX XXXX ( they are without fault as the line is password secured ) and a phone number to contact on the screen ( internet access denied ). I called and they claimed they were not XXXX but were an affiliate with XXXX certified technicians. I have informed XXXX of same. They wanted {$990.00} to free up the internet service. Company name ( probably bogus ) was XXXX XXXX. Collection of funds company name XXXX. This saga continues as they have utilized various means via e-mail, phone and using XXXX  messaging with subsequent phone scam, to get me to use the word " YES '', I have not! The most recent contact was yesterday afternoon ( XXXX related phone scam ) at XXXX XXXX CST. I have informed XXXX and closed my account. Unfortunately, any one of 280+ connections I had on XXXX are subject to compromise. One of them was XXXX Senator XXXX XXXX ( I 've know him personally for over 30 years ), and many other wealthy and influential people have been exposed. I expect more problems from these scammers today and beyond. My XXXX Profile identified me as the Founder & President ( CEO ) of XXXX XXXX XXXX XXXX. and Author & Publisher of " XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ''. 

Unfair and Deceitful Business Practices : XXXX - XXXX XXXX XXXX , XXXX. - Details unimportant but they have used phone and e-mail to communicate with me committing to refund monies to resolve dispute and no refunds have been issued nor do I anticipate that they will. 

I have printed documents involving each of these 3 events and can forward them to the appropriate party ( ies ) at your direction. I will allow the FTC to do their due diligence and arrive at their conclusion on each case. I did contact the FTC by phone once to provide additional information on the Scam and Phishing complaint and was very disappointed by the lack of interest expressed by the FTC call center staff. I will continue to ward off future attempts by the scammers to gain financial or personal/professional information from me. 

I greatly appreciate your time, attention and future suggestions. Thank you. 

XXXX XXXX Founder & President XXXX XXXX XXXX, XXXX. XXXX Author and Publisher Senior Citizen & Taxpayer ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2017 about Debt collection (Medical) with Revenue Assistance Corporation dba Revenue Group (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I was a victim of identity theft and noticed a collection from REVENUE GROUP I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against REVENUE GROUP in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: My wife and I recently sent the attached follow-up letter to Trans Union. We were following up with them because it had been over 45 days since we had requested credit investigations. To date, we have still not heard from them.

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 07/15/2017 about Debt collection (Medical debt) with Commonwealth Financial Systems, Inc. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On  XX/XX/XXXX  an account was reported as being opened by commonwealth financial with an amount being owed of {$920.00} I then sent a validation of debt letter via certified mail on  XX/XX/XXXX  which in return I received a letter back from them dated  XX/XX/XXXX  stating that commonwealth financial systems, inc. Has closed and returned the above referenced account to our client,   XXXX   XXXX   XXXX  . They also stated CFS will send a deletion update to the   XXXX   major credit reporting agencies in which they have not.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (OR).
Issue: Late fee

Complaint: I went to pay my credit card bill on the day it was due at XXXX, however Capital One said my payment is late because it was made after XXXX Eastern Time. I do not understand how it is legal to charge me a late fee when I did pay my bill on the day it was due, before XXXX in my time zone. I live in Oregon, which obviously is Pacific Time. I believe that is shady, and a scandalous way to make money off of consumers who pay their bill on the due date.

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2015 about Credit reporting () with EQUIFAX, INC. (MN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: This is my XXXX complaint against Equifax in reference to the following fraudulent accounts that do not belong to me : XXXX XXXX XXXX : XXXX, XXXX : XXXX, XXXX : XXXX, XXXX XXXX XXXX, XXXX, XXXX : XXXX and XXXX XXXX XXXX. In my previous XXXX complaints, I attached supporting documentation which included my incarceration date and a letter from XXXX XXXX for proof that I am not liable for the accounts. Equifax has refused to review or accept the documentation as proof, I am not liable for the accounts. The documentation is proof that I am not liable for the accounts and they do not belong to me. Someone stole my identity and opened the accounts. I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2017 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Trouble during payment process

Complaint: This company is filing fraudulent mortgage assignments with my Recorder of Deeds Office in attempts to steal my home. They are not a party to my real property and it has not been legally assigned to them.

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 06/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I was checking my credit profile and was told that getting a small loan would help increase my credit score however I was told that advant did n't run a credit report but they did which lowered my score again my approval odds were in favor of me but came back that my score was to low now they have lowered it even more could they correct this problem they created

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2015 about Mortgage (Home equity loan or line of credit) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Credit decision / Underwriting

Complaint: transunion credit bureau has me at a very low score on my credit report ... .i want to know why

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: have never lived in XXXX XXXX XXXX XXXX XXXX. I have lived in XXXX all my life.

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 08-01-2017 about Debt collection (Credit card debt) with Conn's, Inc. (OK).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: In XXXX, 2015, I purchased items from Conn 's. My credit report indicates that the original amount owed was {$2300.00} ( current balance is {$1500.00} ). From the beginning, the contract was deceptive. Unbeknownst to me, Conn 's added fees for furniture protection. I never authorized this and when I addressed it with the company after finding it on my contract, they stated that it 's a fee that is automatically added and that they do n't have to inform the customer - WRONG! I told the rep that I had Renter 's Insurance that covered all items in the home. I was told a refund would be issued and after also complaining about this to the store manager where I purchased my items, he informed me that he would also issue a refund for the inconvenience. To this day, I am still waiting.
In the meantime, I became very ill and treatments took up my time and income. I fell behind on my payments and Conn 's called relentlessly multiple times per day, from different phone numbers, calling me and my husband. When a rep finally reached my husband, she was abusive and threatening. She said she would sue us for not paying the bill and further indicated that we had no right to keep the furniture if we ca n't pay for it. At that point, we were absolutely done with Conn 's and we told them to come and pick up all of the items and credit our account. This was several months ago, and we are still waiting for someone to pick up the items.
In the meantime, Conn 's Charged Off this account and sent it to collections. This has further damaged my credit. Collections are now pursuing me and I have given them the same scenario, as I am giving you. This company is fraudulent and in violation of the UDAAP and FDCPA. The Texas Attorney General has lodged a lawsuit against this company and consumer complaints continue to mount. I am on the verge of filing a lawsuit myself, if this is not rectified accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2015 about Debt collection (Credit card) with Atlanticus Services Corporation (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: COLLECTORS KEEP TRYING TO COLLECT A DEBT PAY IN FULL, STATUES OF LIMITATIONS HAS EXPIRED. ALSO, CALLING MY WORK, CELL HOME AND SKIP TRACING ABROAD IN VIOLATION OF FDCPA, TCPA FCRA ETC..XXXX..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 05/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I 've disputed this collections amount because I have no knowledge of the account itself. The bureau investigated and item and status has remained unchanged since my last dispute in  XXXX   2017 .

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2015 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I 'd like to dispute all of the credit inquiries on both my XXXX report and my XXXX report. I have XXXX on XXXX and XXXX on XXXX. I can say that I have applied to some of the place but I ca n't understand why there are XXXX or XXXX checks from the same company some with in months or in the same year. My report also shows a number of things that are out dated and have not been remove by the company. At this time I do see collections/charge offs and other things that should n't reflect on my report. I do n't see an auto loan from XXXX XXXX that I had showing as credit history. I only show 8 months worth of credit history. This is obviously incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: hard pull without my consent please remove hard pull for XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2015 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I found out there was a judgment placed against me for a CC account that I never opened. Upon finding out about this judgement, I contacted the circuit court, who gave me the information of the company who filed the judgement. I finally tracked down the original company ( XXXX XXXX XXXX XXXX ) who took the account with hopes of collecting the defaulted funds. Through constant communication and filing an ID Affidavit with there company, XXXX consented verbally to XXXX to remove the fraulent account from my record. XXXX sent written correspondence for XXXX and Experian to do the same. XXXX also notified both agencies to inform them that the accounts were removed on my other reports. I, too, sent correspondence letting XXXX and Experian know as it was suggested that I do so to ensure that my credit reports reflected similar, accurate data as much as possible. XXXX reviewed the info and removed the account from my report. Experian has refused to remove the report although I have provided them with the same information I gave to XXXX, XXXX, and XXXX proving that this judgment should have never appeared on my credit reports. I do not feel like I 've received serious or effective assistance from Experian in a manner that effects my current and future livelihood.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/29/2015 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (FL).
Issue: Fraud or scam

Complaint: No access to my account or my money

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-06-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (NJ).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: XXXX became involved with my student loans at some point ; I am unclear on exactly when. The paperwork has been confusing and comes in overwhelming bunches, then not at all. My loan amount continues to increase and I am unable to afford the payments. I have no options regarding the interest rate or the fact that I do not make enough money to cover the smallest allowed percentage. Now my account is being handled by FedLoan Services. It has been switched between lenders at least 3 times now and I am confused. Also, a portion of it does not appear to be my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I called Transunion to dispute XXXX Hard Inquiries on my account. These inquiries were done by a car salesman without my consent and I did not ask for them. They told me that I need to contact all the banks which provided me the loans. I let them know that i did not authorize these inquiries and as of today they are still on my account. The Hard Inquiries I want removed are as follows : XXXX XXXX XXXX - XX/XX/17 XXXX - XX/XX/17 XXXX XXXX  - XX/XX/17 XXXX XXXX - XX/XX/17

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 04/26/2016 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I initiated a Dispute with Equifax my on XXXX XXXX, 2016 and since then I have disputed this creditor XXXX XXXX three time as Fraud/Identity theft. Equifax refuses to remove it from my file. 
Dispute Case Numbers XXXX on XXXX XXXX, 2016 XXXX on XXXX XXXX, 2016 XXXX on XXXX XXXX, 2016

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: In XXXX 2015, Navient Solutions XXXX Inc. sent me a statement that did not appear to be correct. In response, I attempted to contact customer service and get a complete accounting. Instead of providing me with the documents, they reported me delinquent to the major credit reporting agencies. I hired an attorney and in XXXX, my attorney requested all financial records from Navient Solutions XXXX Inc., including identification of the lender holding the note. In response, XXXX XXXX sent me a letter threatening to file a lawsuit against me if I did not make a payment. They still have not provided me or my attorney with an accounting showing the amount of money that is owed.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: XXXX XXXX or XXXX which ever name they are using currently has been told to stop calling cell phone number. They have been told verbally and in writing to not contact me they have no permission as does nobody or no company they represent may contact me all past present and future contact permission has been is and continues to be revoked. 

Portfolio continues to call using both manual and Robo calls from multiple spoofed phone numbers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/27/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (VA).
Issue: Loan modification,collection,foreclosure

Complaint: Ocean is currently servicing my loan ; I have had a loan with them since 2009. I had a substantial hardship, I fell behind on my mortgage payments. I visited the website and saw that they offered assistance or loan modifications. I have been completely unable to get in touch with Ocwen. I have called and sent countless certified letters which goes unanswered. When I call each representative tells me something different. I have sent the Request for Loan Modification which also went unanswered. I am currently working and my financial hardship is corrected. I believe I can afford my home and I do not want to lose it. I have heard of the mortgage settlement in the news however I have not heard anything regarding my loan. I am desperately trying to keep my home for me and my children and I do not want to foreclose. I want to resume making payments and coming up with a modification for the arrears. Please please help me

Company response to consumer: Closed
Consumer complaint received 02/16/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I was recently charged {$74.00} on my Navient loans. The transaction detail only says " Rebate Reversal ''. The other thing is though this was a total of {$74.00} it oddly appears as {$30.00} on one loan, {$30.00} on another, and I ca n't even find where the other {$14.00} went. 

I called Navient to talk to them and ask them about this. This was 15 days ago. The person I talked to could not tell me what this was, why I was getting it or where it came from. He did some digging. It said that it looked like I failed to pay one of my loans on time. However, we both went through my transaction history and not only have I always been on time I make multiple payments a month in order to keep interest to a minimum. He said it does appear to be though a violation of an agreement. Which I asked, What agreement, he did n't know. I asked what other loans on my account had an agreement, which again he did n't know. He told me he needed to submit this to somewhere else and they would get back to me within 14 days. I have yet to hear from them. 

The only thing that I can think of remotely of me missing a payment would be XXXX of 2016. This is when Navient upgraded their website and corrupted thousands of peoples student loan information. I could not log in to the website, I could not make payments. I called multiple times, which they should have on record. Every time I was told that I would not be charged any penalties for this because the problem was their fault. They still to this day do not have the new website up and running and I have to go to the old one to do things. Which again, if this outage on Navients side back in XXXX is the reason for me getting charged this rebate reversal, then I should not be charged for Navients mistakes. 

What I want : 1 ) Why was I changed this rebate reversal? 
2 ) What other loans have some sort of agreement? 
3 ) If this was because of the website outage and Navient 's corruption of customer data, then this is not my fault and the money should be refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (UT).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I had    XXXX     XXXX   XXXX  accounts that were included in my  2013    Bankruptcy that was  discharged  years ago. They are continuing to update every single month and it is killing my credit and financing. I have filed a complaint with the Bankruptcy courts recently.. They are in clear violation .... I have disputed it with the bureaus and  XXXX   XXXX  claims it is valid. How is updating monthly on a bankrupt account valid?   This is a clear violation and needs to be fixed!

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