milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/22/2015 about Debt collection (I do not know) with American Coradius International LLC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: American Coradius International LLC is demanding payment for a debt they allege I owed XXXX in the amount of {$630.00}. I never did any business with XXXX that could have resulted in any unpaid amount to them or American Coradius International LLC. American Coradius International LLC is using unfair and deceptive practices to collect debts that consumers do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Portfolio Recovery Associates is attempting to collect a debt that has been settled with them in XXXX 2015. Please see attachments.

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

Complaint: Filing a complaint based on the recent Equifax data breach. 

1. Learned of Equifax breach yesterday evening ( XX/XX/XXXX ). 
2. Checked today ( XX/XX/XXXX ) on the Equifax site that my SSN has been compromised. 
3. Enrolled in their XXXX program ( with an enrollment date on XX/XX/XXXX ). This is really unacceptable we have to wait this long for service. 
4. Attempted to sign up for credit freeze but they will not waive the {$10.00} fee ( outrageous that they are charging money for a service that is a direct result of their incompetence ). 
5. Filing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2016 about Debt collection (Payday loan) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (TX).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: Rushmore Financial has continued to contact me on my cell and my employer releasing personal information. Not verifying employment. They have threatened to garnish wages as well as serve me documents to my job. I 've already contacted the company and just hung up on or told this is legal. I know it 's not and they have shared information with my HR department. I 'm not sure what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2016 about Credit reporting () with Experian Information Solutions Inc. (AL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: IRS lien filed on same date as paid. XXXX/XXXX/2010. Lien should not have been filed. In any event in the best interest of all parties this item should be removed

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 03-01-2017 about Debt collection (I do not know) with Sentry Credit, Inc. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I got an alert today that the company SENTRY CREDIT INC is reporting a collection account on my credit file. THIS IS THE 2ND TIME THIS ACCOUNT WAS ADDED TO MY REPORT. I disputed it in XX/XX/XXXX ( original case # XXXX ) initially with the CFPB and it was removed now again in XX/XX/XXXX its reinserted. I have no knowledge of this debt and i was never given a DV or anything. This is a reinsertion of a deleted account with the same company! this is not my debt and it should be re-reporting after it was 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 12/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My credit reports with all three agencies, XXXX, XXXX, and Transunion consistently contain identifying information ( i.e. addresses, telephone numbers, etc. ) which do not belong to me. Sometimes the information belongs to my ex-husband, other times it belongs to god knows. I have tried to work at getting this adjusted, however, the only thing I am ever told is that they can not verify my identity and that I need to touch base with whatever agency ( e.g. XXXX XXXX ) to inform that they ( the credit agency ) can not verify my identity. I have no idea how to go about getting the information corrected as they have never provided guidance on doing so.

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 12-08-2017 about Debt collection (Other debt) with ERC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This was for a rental modem by XXXX XXXX XXXX. When leaving the landlords we called XXXX XXXX XXXX and worked it out to transfer the rental modem onto his account so he could continue Internet use there at his rental. XXXX XXXX XXXX helped us do this. Then a month later XXXX XXXX XXXX called asking for us to return the modem or we would be billed. I explained that we transferred the modem over to landlords account to keep services at the property. XXXX XXXX XXXX looked into it and said that it was ok no issue now. Over a year later XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX shows up on my credit report dropping my score over 40 points with a claim for XXXX XXXX XXXX for {$110.00} saying we never returned the modem. They are tanking my credit score and need to be held accountable for their error.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2017 about Debt collection (I do not know) with VIRTUOSO SOURCING GROUP, LLC. (AL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: XXXX  I received notice that my credit report had been hit with a collections account. Once I pulled it up it stated that it wa s Virtuoso which I received no notice what so ever via mail. Which violated my rights to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NE).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I have sent a letter to them a long time ago and I do not see results, I'm still in the same place where I started. It's not the first time, I still with the same information inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XX/XX/XXXX I called transunion credit report asking about the inquires taken off and put back on my credit report. They told me that report was not affected but i did see my inquiries were taken off and put back on. I would like to know the dates and they this glitch took place. I would like this inquires taken off my credit 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 explanation
Consumer complaint received 05-05-2015 about Bank account or service (Checking account) with REGIONS FINANCIAL CORPORATION (AR).
Issue: Problems caused by my funds being low

Complaint: Regions Bank - I have checking accounts with them. These accounts have debt cards linked to them. On some of my debt card transactions ( not recurring transactions ) I have been charged overdraft fees for insufficient funds. Regions allowed these transactions to go through. Thus, they charged me each time an overdraft fee. 
I did not have the optional overdraft protection that Regions offers. Am I eligible for Regions to reimburse me these overdraft fees they charged my accounts instead of not allowing the transaction to be processed?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 02/16/2018 about Debt collection (I do not know) with NORTHLAND GROUP INC (WA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This company is attempting to collect a debt that is 9 years past and has exceeded the limited time to collect and sue. They know that but they keep calling.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: In  XXXX  there was a vehicle loan taken out through  XXXX   XXXX  that involves my name and my data birth I 'm not sure if the other identifying factors are associated with it it appears on my credit report I have tried on a number of occasions monthly since  XXXX  when I found out about this vehicle loan to get it removed and find out information about it I have yet to receive any information from  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 02/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: In the past two years XXXX XXXX XXXX is being reporting inaccurate information to the three major bureau on my behalf. l have sent them 4 different letters requesting to verify the that this information is mine, and, that it is accurate. in violation of a federal law all four occasions they have failed to provide me with a copy of the original contract with my signature on it. All l get is a response back in the mail, stating that they do not understand the reason of my despute. The case is for the three major Credit bureau, Trans union, XXXX  and XXXX, none of them can seem to follow the law and at least provide with a copy of the original contract with my signature on it,

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 06/18/2015 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (NJ).
Issue: Fraud or scam

Complaint: PayPal signed me up for their Online Credit unknowingly. I was making a payment for my eBay order the way we normally do. But this time PayPal tricked the interface by opening XXXX windows and had me clicked XXXX yes/no 's, the interface was so confusing and misleading, it appeared that I was making normal payment for my order and PayPal was asking some additional questions to validate my identity. The fonts were so tiny and interface was so misleading that no one would come to know that PayPal was actually gathering DOB and last XXXX digits of SSN for credit approval, they were basically tricking me. 

I am closely monitoring and maintaining my credit score. I dint wanted any hard inquiries on my credit w/o my approval. But PayPal had fraudulently invaded my privacy. That is not acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2015 about Debt collection (Non-federal student loan) with Northstar Location Services, LLC (KY).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: This is the second time that someone from XXXX has contacted my employer at home. I told them the last time that this was my employer 's home number and that it was unacceptable for them to contact him at his home. They assured me they were going to remove the number and it would n't happen again, but it has. 

How do I fix this?

Company response to consumer: Closed
Consumer complaint received 04/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Transunion is refusing to remove a Chapter  XXXX  bankruptcy record fro m 2009 that I di d not file. It has a reference number of "  XXXX  ''. I have never filed for bankruptcy in my life. Money has never been a problem for me and my report clearly shows that I have never had any difficulties making payments on my debts. I have disputed this error with Transunion numerous times but they have continuously ignored my disputes as frivolous without properly addressing my claim. They say the bankruptcy record has been verified but my report clearly shows that there have never accounts on my report that have been " included in bankruptcy ''. How can I have a bankruptcy on my report if there are n't any accounts that show they were included in bankruptcy? I manage my finances responsibly so it is unfair that this blemish and error in reporting by Transunion continue to occur when no factual evidence can be provided as validation.

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 11/17/2015 about Debt collection (I do not know) with Check Security Associates, LLC (TX).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I got a call from my father today. He has the same name as I do. I am a XXXX. He received harassing call from a company called Warner Asset XXXX. The agent, XXXX XXXX, shared sensitive information with my father about me and an alleged debt of mine that they ( she ) was trying to convince my father was his debt. 

XXXX XXXX asked my father to confirm his birthday and SS #. He would not give the information. When XXXX XXXX asked my father to confirm the birthday and ss # they have on file, he noticed that the birthday was mine. 

Subsequently, XXXX XXXX called my father 's supervisor and, according to him, divulged a lot of false personal information about him, along with some disparaging remarks about dishonesty. 

I have also received a few messages from this company that I have not returned due to the ominous and threatening nature of the message -- use of words like " case '', " judgement '' and more. 

I have no idea what this company is or what they might be trying to pull off here. I have student loans but they are all consolidated. I have also done some online research about Warner Asset Management. They do appear to have a problem with lots of other similar complaints. Their phone number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2018 about Checking or savings account (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (LA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: OnXX/XX/XXXX, USAA Savings Bank deactivated/suspended two of my checking accounts and referred both accounts to their Financial Crime Unit ( Fraud Department ), and when I contacted USAA on XX/XX/XXXX, the bank representative told me that my accounts are under investigation for fraudulent activities by the financial crime unit. I have been a customer at USAA bank for six years and have a direct deposit account. Because my accounts are freezed, I'm having hard time using my funds.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Aargon Agency, Inc. (AK).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I noticed a hit on my credit monitoring site from Aargon Collection Agency. The original debt was from XXXX, which I visited in XX/XX/2015 for an emergency repair. I paid at the time of service. I called XXXX asking for information about the bill. They refused to provide me with an itemized bill, and told me to contact the collection agency. XXXX did attempt to confirm my contact information. The wrong address and phone number ( not even close - in another state ) was on the bill. I expressed concern that I did n't think the bill was mine. They refused to discuss it and told me to call the collection agency. I called Aargon Collection Agency, who initially told me that I would have to get the itemized bill from the vendor and there was nothing they could do for me. They also had the wrong address and phone number. I told them that XXXX had told me that I would have to get the itemized bill from Aargon. The Aargon representative became aggressive and told me that asking for verification of the debt would take time, and kept pressing me to pay the bill. I refused, and told him that I wanted to file a dispute. He told me that was impossible, the bill was mine, and I should pay it. He told me that he could make a note on the file saying that I was in the process of getting an itemized bill from the vendor, but collections would continue. I asked him to transfer me to someone who could file a formal dispute. He told me that the manager was on break. I asked for a callback, at which time the manager magically reappeared. The manager told me that I had to request an itemized bill in writing from Aargon. I told her that this was not what the original representative told me, and pointed out that if I had not insisted on filing a dispute, nothing would have been done. She told me that I could put it in my letter. My concerns are : 1 ) the only correct information they had on this bill was my name, which should give any reasonable person doubts as to the accuracy of the bill ; 2 ) I was pressed to pay the bill over the phone even after expressing these doubts and asking for verification ; and 3 ) the original representative gave me false information about how I could verify and/or dispute the bill, and tried to prevent me from speaking to someone else.

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 05/18/2016 about Student loan (Non-federal student loan) with URS Holding, LLC (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: XXXX XXXX, by and through its current collection agency, ERS, will not respond to my requests for documentation to prove the amounts owed on loans which have - largely and likely - been paid. Every time I ask XXXX XXXX for information, they simply change collection agencies and the process begins all over again. I have requested very specific information and have requested communications in writing ( since prior discussions and promises are unrecorded and unenforceable - in addition, there is no recording of tone or threats of the collection agents ) and have received NOTHING. However, recently, ERS has continued to report negative information on my credit report resulting in a XXXX point drop to my FICO score. 
Specifically, the information that has been requested in evidence of receipt of a payment made on my student loans in the amount of ( approx. ) {$19000.00} which has not been credited towards any amount owed. I have also requested evidence of authorization and/or ownership of the loan so I can determine whether or not the ( now ) XXXX agency handling my account has to proper authority and, in addition, I seek clarification of who owns the loans. It appears to continue to be XXXX XXXX, but they have failed to credit the near {$20000.00} they received on my loan. In short, they are seeking double recovery. 
Each time a new collections agency is involved, I get a letter requesting written confirmation if a dispute is being made as to the amounts owed. Each time I dispute the debt in writing and request information, my requests are ignored. 
The prior agency, XXXX XXXX, simply walked away from their efforts. The new agency, ERS, is choosing not to communicate with me, but simply engage in negative reporting on my credit. This complaint is linked to XXXX other complaints - all against the same efforts and same " owner '' ( I think ) - XXXX XXXX and its collection agency of the day.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2017 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Loan modification,collection,foreclosure

Complaint: We are working on a short sale with Bank of America and they have had the file for 9 weeks XXXX since XX/XX/XXXX ). They had a complete file on XXXX, but of course they took more than a month to review the file and requested updated documents. Those were delivered and then they took another 3 weeks to look at the file before they had " questions '' about the income and tax returns. It has been another 2 weeks and the underwriter has yet to review that information. We have n't even been able to get the file out of loan modification and into the short sale department 's hands because they are so delayed in reviewing the file that every time they look at it, they request something more! We are about to lose our buyer. Please help us.

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 01-10-2018 about Debt collection (Other debt) with CL HOLDINGS LLC (GA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: I was contacted on XXXX/XXXX/XXXX By XXXX XXXX XXXX in which they threatened me to take legal action over very old debt from XXXX for a XXXX XXXX phone bill. I never signed or agreed to pay XXXX XXXX anything. I currently have a XXXX XXXX account in good standing.

Company response to consumer: Closed with explanation