milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-11-2016 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Recently, I have been receiving information from my financial accounts - banks and credit card companies - that there have been several new delinquencies reported on my credit report that could possibly be frauds. Also, just recently, I have been receiving letters from Portfolio Recovery Associates , LLC. and other recovery companies about delinquent accounts. 

These delinquent accounts are not mine. I have several credit accounts and they are all paid on time. My credit score has fallen dramatically because of these erroneous reports. 

What recourse do I have to resolve this matter?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-04-2018 about Checking or savings account (Checking account) with CITIBANK, N.A. (CA).
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint: I closed my account with Citibank and they continued to keep a recurring ACH active on my account. This ACH withdrew funds from my XXXX XXXX XXXX account into the closed Citibank account. I have no access to the funds and Citibank denies making the withdrawal. 

I have an email from Citibank with a transaction number and all the details from my XXXX  XXXX XXXX account showing they made the withdrawal. 

The account was closed on XX/XX/XXXX. They made the withdrawal on XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: EQUIFAX, XXXX, XXXX ALSO XXXX XXXX ARE REPORTING FRAUDULENT INFORMATION IN MY PERSONAL NAME. THESE COMPANIES ARE IN SO MANY VIOLATIONS THE DOCUMENTS IVE ATTACHED PROVES IT

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Debt collection (Credit card debt) with CL HOLDINGS LLC (SC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I sent in debt validation letter to XXXX XXXX on X/XX/2017 certified mail and received a response on XXXX XXXX, 2017, from XXXX XXXX saying, " You indicated that you wish to dispute or verify information on your credit report. In your correspondence, you did not indicate what specific information you were disputing or verifying. '' They claim that I did n't say what I was disputing but a copy of my debt validation letters states in writing that I said " I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. '' I also told them that this was " This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. '' XXXX XXXX did not provide me adequate proof that this is my debt all they provided was a bill that 's not mines, XXXX XXXX in return sold the debt to Jefferson Capital on XXXX XXXX, 2017, after my debt validation letter was sent out and signed for. Jefferson Capital then contacted me and I sent them a letter too on XX/XX/XXXX and they sent the account back to XXXX XXXX that sent out a copy of 3 bills on XXXX XXXX 2017

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (LA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: They are overcharging me. I ca n't get ahead. They are not helpful in any way. They will not work with me so that I can repay what I owe. Due to my financial circumstances and being a single mother it is already a struggle to repay and they will not budge or work with me. It 's ruining my life. The loan amount keeps increasing and I do n't know why. This is having a really negative impact on my credit which is hindering me from moving forward in my life in any way. I ca n't buy a house or finance anything at a reasonable rate. Help! I am also trying to further my education but without loans since I 've had such a horrible experience. Something has to be done.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with Experian Information Solutions Inc. (NY).
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Investigation took more than 30 days

Complaint: i am XXXX XXXX, XXXX claim on my account {$3000.00} and inform the credit bureaus long time before and after i call in XXXX /2017 regarding this is a false claim, then they respond me that the claim will resolve and it is a false claim in your account, so we will remove in 30 days and informed the credit bureaus and remove from your account.but as of today they did not remove from my account.and when i call they says again to wait 30 days from today. but i cant beleave that they can do that. they are playing with my credit from last one year. the claim no on XXXX # XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/18/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint: Dear Representative, I have tried to prove that the account has been paid and they continue collections.   There has been a payment authorized but I need time to go through this information.   There is a investigation being done and they have n't completed their due diligence to finish the investigation. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2015 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX XXXX MD, XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXXThis dentist filed a delinquent report on my credit report. He my dentist and I have never used him.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/28/2015 about Debt collection (I do not know) with First National Collection Bureau, Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I currently do not have any outstanding accounts. The debt collector 's name is First National Collection Bureau , Inc . The only information provided about the creditor is : XXXX XXXX XXXX and the original creditor is XXXX ( XXXX ), XXXX XXXX. I have never had any creditor named like neither XXXX. When I called they said I should call XXXX XXXX or XXXX because it is an old account. I do not have any outstanding accounts with them either.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (NV).
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint: In XXXX I had a financial hardship that led me to fall behind on my credit cards. In XX/XX/XXXX I called my creditors to set up payment arrangements to start getting my balances taken care of. Bank of America was one of them. When I called they stated that my account was still open. I asked if they could stop or lower my interest rate to help pay my account off and they declined. Not only did they declined but said they do not offer any programs to help get me out of debt. They said could set me up on an arrangement to take {$130.00} for six auto payments out of my account and they would then report my card as no longer past due as a courtesy after the 6th payment. I agreed to make the high monthly payments because I was told my account was still open and I wanted to rebuild my credit. 

Today, XX/XX/XXXX, I called in to Bank of America to follow up on my arrangement and I was informed that my card was closed and has been closed since XXXX, XXXX XXXX. I feel that the representative at Bank of America was deceptive when I initially called XX/XX/XXXX to make an arrangement. Now, I feel that if the representative lied about my account not being open, did they also lie about repayment programs? Is Bank of America just trying to keep people in debt? 

I've been a good customer of Bank of America since XXXX and I always used credit cards responsibly and paid my balances due on time until last year when I had a hardship. I would of thought they would have more consideration towards their loyal customer.

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 09-05-2017 about Mortgage (Other type of mortgage) with Ditech Financial LLC (CA).
Issue: Struggling to pay mortgage

Complaint: Dear Sir, Ditech is my 2nd mortgage company. I was XXXX for 8 months. I applied for hardship loan modification, sent in all the paperwork. When I started working in XXXX I called to let them know. they requested paperwork for modification. They kept losing my paperwork and assigning different relationship managers. I followed up constantly. This went on for several months. Today, I called and they said my modification was denied because Im working and make enough money to support my monthly payment. they now want me to pay {$7000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2017 about Credit reporting () with WELLS FARGO & COMPANY (NC).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Wells Fargo National Bank ran a credit report on me without my authority or permission!

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 12-10-2015 about Debt collection (I do not know) with United Collection Bureau, Inc. (MI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: EVERY DAY we are receiving a telephone call from the United Collection Bureau ( telephone number ( XXXX ) XXXX ) which is a computer generated call and contains a pre-recorded statement to hang up if the call is being made in mistake. We do not want to receive this call, can not stop it, and do NOT owe anyone any money and should not be subjected to this telephone harassment!

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My information was information was involved in the Equifax hack

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Integrated Recovery Services (TX).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I 'm am receiving phone calls from Intergrated Services trying to collect a debt that my son owes, I explained to the person that he was calling my cell phone number and that I was n't the person he was trying to contact, he asked if I knew the person and I told him yes but we have n't spoken in about two years and that I did n't have any contact with my son, After the third phone call I requested that they no longer contact me about a debt that I did n't owe, His reply was that since I would n't give him any contact information I just became " XXXX XXXX and that I could pay my sons debt or continue receiving the phone calls '', I requested to speak to a supervisor and was told that " if you want to speak to a supervisor then I suggest you get out your credit card and start making payments '', I told him i considered this to be harassment and to stop calling me, his response was that " We ignore the word harassment '' He then asked " if my son was a XXXX and then asked why I did n't just tell everyone that he was '',

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2016 about Student loan (Non-federal student loan) with DISCOVER BANK (MO).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I recently contacted Discover because I was behind in my student loans and wanted to catch up on the payments. After speaking with a Discover representative I was informed I was not able to refinance my loans and discover does not do settlements or work with outside companies. After doing online research I learned this was a lie and the representative was only telling me the company does not do refinancing or settlements so I could keep making monthly payments and not seek a lower interest rates. After calling back and informing the representatives on this matter they transferred me to an account specialist who informed that in fact Discover does do refinancing. After speaking with the account specialist she informed me that in order to refinance a loan you must pass a credit check and have a good payment history, but this is clearly a way to keep you from being unable to re fiance, because if you have not paid your student loans, you credit is effected and you do n't have good payment history ; thus you will not be able to pass there credit requirements and not be able to refinance ; thus you have keep paying higher montly payments and charging more interest. I want to file this compliant for the reasons listed above ; In addition, I get called by Discover on numerous occasion as early as XXXX and as late as XXXX and when I am informed them of the situation they transfer me to another department. I am usually on the phone half a hour at a time, just to tell them I spoke with a representative earlier in the day. This company has lied to me about there policy 's and procedure 's, and calls me non stop.

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2016 about Debt collection (Medical) with FirstPoint Collection Resources (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I recently checked my credit report and discovered that this company is reporting that I owe them a debt. To the best of my knowledge this company has never provided a service to me and I have never agreed to pay them for said services

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Bank of America foreclosed on me wrongly! I was under a loan modification at the time of foreclosure and i had done and submitted all my paper work the bank had asked me too! They are claiming i did not and foreclosed!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 11-03-2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (GA).
Issue: Loan modification,collection,foreclosure

Complaint: I have been trying for the last two ( 2 ) months to get an extension on my short sale approval letter. Last month on XXXX/XXXX/2015 my lender had me do an amendment to extend the purchase contract and here it is almost a month later, and my short sale negotiator states that someone dropped the ball. Meanwhile, my buyer 's money has been sitting in escrow for the last two ( 2 ) months and my buyer is not willing to extend the purchase contract. I have reached out the negotiator and his supervisor and have not been contacted back. I can not tell that the bank is working to assist me the consumer in foreclosure alternatives. It appears that they are pushing me toward foreclosure.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (MN).
Issue: Account opening, closing, or management

Complaint: I am a victim of identity theft and someone stole my personal information and identity and opened up fraudulent and unauthorized Wells Fargo checking and savings accounts that do not belong to me. Attached is supporting documentation for proof, I was incarcerated at XXXX Correctional Facility-XXXX from XX/XX/XXXX to XX/XX/XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: All XXXX ( XXXX ) bureaus continue to place freezes or alerts on my report without my knowledge or consent. I have asked them to remove the freezes/alerts to no avail - they keep adding them. Under FCRA 605A ( a ) ( 1 ), fraud alerts can only be placed in the credit file at the request of the consumer and Under FCRA 605A ( a ) ( 1 ) ( A ), a fraud alert can be removed simply at the request of the consumer at any time ... 

I have not authorized ANY of the bureaus to place anything on my credit files and the alerts/freezes THEY have place on my files are hindering me from obtaining credit as no one is able to obtain my report.

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 08-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I disputed paid released tax liens that were ony credit report and they were removed. A copy of an updated credit report was sent to me. I went on the Credit Bureau 's website to check my credit score and saw that the items were put back on. When I spoke with a customer representative he advised me that it was never removed and would be on there for 7-10 years. I told him I had a copy of my credit report with the items deleted and was told I did n't and it was never removed. He then continue repeating that it would be on there for 6-10 years before being deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Dear Sir or Madam : I recently pulled my credit and the following accounts are not mines. Someone is using them without my permission. Please remove the accounts promptly within 7 days and please stop the ability for them to continue to use my credit by putting a freeze on my credit report. Letters have been sent to the reporting agencies and the cfpb. I have attached the Identity Affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2017 about Debt collection (Other debt) with I.Q. DATA INTERNATIONAL, INC. (WA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX XXXX ( DOB XXXX/XXXX/XXXX ). Today on XXXX XXXX, XXXX I had called XXXX to follow-up on the process of my disputes. I originally contacted XXXX and wrote them a letter via mail asking them to dispute three accounts on XXXX XXXX, XXXX. They sent me a letter back on XXXX XXXX XXXX asking me to confirm my identity. The following day I sent them back a copy of my social card, a XXXX XXXX XXXX bill and a copy of my id in which they received it on XXXX XXXX XXXX. It is now XXXX XXXX, XXXX and I have not yet heard back from XXXX. As the Federal Credit Reporting law states- ( FCRA , 15 USC section 168 li : failure to investigate these accounts within a period of thirty days will result in a non verification which requires that the above accounts be immediately removed from my credit file. The lady that I spoke with was giving me the run around about an XXXX XXXX XXXX XXXX WA XXXX, which has nothing to do with the law. This address was reported to the Credit Bureau because they had to run my credit in order for me to stay here for the last six months. I have stated in my letter and on the envelope after XXXX XXXX I will no longer be residing there because my lease is up and due to this issue I will be homeless so all my mail is being forwarded to the post office. I have yet to receive anything from XXXX through the post office as of today and prior to today. Then I had asked to speak to the supervisor and she had hung up on me. Therefore, I am making a complainant and hoping that you can help me resolve this issue. Attached is my letter of the items that I want to be removed from my credit report immediately. 

Thank you, XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: There was a hard inquiry on XXXX XXXX, 2015 from Capital One Bank that was not initiated or authorized by me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-11-2017 about Mortgage (Conventional fixed mortgage) with QUICKEN LOANS, INC. (FL).
Issue: Application, originator, mortgage broker

Complaint: I was applying for a mortgage online spoke to loan officer, who discussed verbally the rates of interest, but never verbally discussed the points they were charging. He said it was compay policy, in this case Quicken loans. While I believe there was written disclosure, the lack of discussion tricked me into believing that there would be no points. By the time I saw the closing docs it was too late and I had to proceed.. 
When discussing a mortgage with a prospective client, I believe that it 's imperative that mortgage officers verbally discus rates as well as points, a {$1500.00} charge on a {$120000.00} mortgage that I did not want to pay. I felt it was sleazy and disengenuos for not mentioning this in our discussions.

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have never lived at XXXX XXXX XXXX XXXX XXXX NY XXXX

Company response to consumer: Closed with explanation