milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-12-2017 about Debt collection (Payday loan) with ACE CASH EXPRESS, INC. (OR).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I just received a letter from someone impersonating an officer working for the government threatening to garnish and arrest me. I have never received anything in writing from this creditor for this loan. Years ago I did apply through ACE but it 's since been discharged in my Chapter XXXX bankruptcy back in 2012. I have asked them to stop threatening and contacting me but to no avail. Now they are threatening me in a written letter which I am attaching.

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2017 about Mortgage (FHA mortgage) with PHH Mortgage Services Corporation (TX).
Issue: Loan servicing, payments, escrow account

Complaint: PHH Mortgage Services, XXXX XXXX, NJ XXXX. 
My mortgage servicing company PHH Mortgage Services, XXXX XXXX, NJ XXXX. This company has been harassing me and my family for over XXXX months. They call many times daily and they consistently mail threatening letters of harassment & threats. They say I am behind on my payments. However, I have never missed a payment. I try my best to explain to the bill collectors that constantly harass me and my family and sometimes some of them even get it. I mean they can actually see that I never missed a payment. However, that recognition by some, never stops the harassment I receive from all the other PHH collectors. I even have supervisors who are not willing to see that there has been a serious mistake made on my account. This must stop now. PHH Mortgage Services, XXXX XXXX, NJ XXXX. Must take the time needed to fix this ongoing injustice and it most certainly will take someone for the Corporate office to correct and compensate.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2015 about Credit reporting () with Experian Information Solutions Inc. (CO).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: This number is the original case number issued by CFPB. Equifax closed XXXX credit card account from XXXX as they should have. Now, it shows Open with XXXX balance which the balance would be correct due to the XXXX sent by XXXX. 
Another XXXX credit card was removed from the credit report. It has been put back on one week later. The balance of XXXX and the card being closed is correct. So, why is it back one week later. 
I 'm beginning to think the only way to correct this is through an attorney. I have all documents both mine and Experian 's. 
They also have incorrect information on my wife 's which mirrors mine. A complaint has been submitted on her behalf but no answer. CFPB 's XXXX re : XXXX XXXX XXXX. 
Again, it appears an attorney is going to be needed, which I am prepared to do. Experian has injured my credit score without any sent information and I am tired of them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-05-2018 about Debt collection (Other debt) with Collection Bureau of America Ltd. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX send me to collection. I have a contract with them for 2 bottle of 5 gallons very two week. They send me a bill for delivery of 5 bottle that I never receive. I ask for document of delivery with my signature but they never provide it to me. The amount was {$140.00} Opened XXXX XXXX, 2016. 
Name of collection company XXXX phone number ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Stellar Recovery, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: STELLAR RECOVERY INC ACCOUNT NUMBERs : XXXX OR XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MT XXXX Phone : ( XXXX ) XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you STELLAR RECOVERY INC or any company associate with this account # XXXX OR XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : STELLAR RECOVERY INC or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 11/23/2017 about Debt collection (Other debt) with Perfection Collection (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: In XX/XX/XXXX, I was notified with an alert on my credit report for a collection from a company named XXXX. I previously found out a few weeks prior that I was a victim of identity theft from individuals putting an apartment in my name. I reached out to the number provided on the account to which I reached the debt collector perfection collection. I explained what occurred and the individual over the phone told me I needed to send my police report which I did the next day. Fast forward two months I receive a threatening phone call about being sued by this company after receiving earlier threatening calls from a gentleman leaving vulgar voicemails which I still have saved. I reached out to the number to which the gentleman stated I was in collections and needed to pay the debt, I explained to him it was fraud and even the credit bureaus have determined it to be fraudulent as well as previous collection agencies perfection collection sold this account to obtain the debt. He stated my file was still in collections and hung up. I received a phone call from XXXX XXXX XXXX on XX/XX/XXXX, I explained to them that I was a victim of identity theft sent over my police report, called back the following day to follow up and the manager told me she was going to close down the file and send it back to perfection collection to close down since it was reported as fraudulent, prior to this call to XXXX XXXX I called perfection collection since XXXX directly stated I needed to speak with them since they could not remove my name from the file since it was submitted to collections, I spoke with XXXX on XX/XX/XXXX in which he stated I owed this debt if it was my debt or not I needed to pay the debt, he began going on about I needed to find some way to handle it and hung up the phone. I have spoken to XXXX directly ( XXXX XXXX ) who has been trying to figure out how to get my name removed from this file to no avail. As of XX/XX/XXXX I get a call from a family member telling me that someone has been reaching out to HIS friend about my debt, someone I have no relations to or even know personally. They have been calling this individuals phone nonstop with the last phone call coming in at XXXX est past legal operating business hours. This company perfection collection has been harassing individuals that have no relation or contact to me about a debt that has been blatantly proven to be identity theft. I have the police reports, the FTC reports, credit bureau reports and still this company does not adhere to documentation that proves it is not my debt.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (GA).
Issue: Loan modification,collection,foreclosure

Complaint: WELLS FARGO BANK REPORTS THEY ARE SERVICER FOR XXXX XXXX XXXX BUT XXXX XXXX XXXX STATES WELLS FARGO IS N'T SERVICER NOR XXXX XXXX XXXX IS NOT LENDER / INVESTOR FOR MORTGAGE LOAN. WELLS FARGO BANK CONTACTS XXXX XXXX XXXX AND TELLS XXXX XXXX XXXX, A DEPARTMENT XXXX IN XXXX XXXX XXXX IS INVESTOR FOR MORTGAGE LOAN. XXXX XXXX XXXX XXXX REPORTS SHE NEVER HEARD OF XXXX IN XXXX XXXX XXXX AND DO NOT HAVE CONTACT NUMBER TO DEPARTMENT IN SAME CORPORATE BUILDING. WELLS FARGO BANK AS SERVICER REPORTS XXXX XXXX XXXX HAS NO CONTACT NUMBER OT INVESTOR WELLS FARGO BANK IS SERVICER. WELLS FARGO BANK REPORTS TO HAVE REMOVE DEED FROM MERS XXXX AND FOR TWO YEARS PLUS SENT DEED TO XXXX XXXX XXXX TO REVISE. WELLS FARGO BANK / XXXX XXXX XXXX REFUSED TO PROVIDE PROOF OF PROMISSARY BNOTE BUT TRYING TO FORECLOSED ON PROPERTY WITHOUT DOCUMENTATION OF PROOF.

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2017 about Debt collection (Other debt) with Southwest Credit Systems, L.P. (IL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: XXXX XXXX Received notification from SouthwestCredit, XXXX XXXX XXXX, Suite XXXX, XXXX, TX XXXX for collection of an alleged debt {$93.00} from XXXX for an account number that is unknown to me. In XXXX XXXX received notification from XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, PA XXXX for collection of an alleged debt in the amount of, you guessed it, {$93.00} from XXXX for a different account number that is unknown to me. In both cases, I have contacted XXXX XXXX and have been advised that all accounts associated with my name are in good standing and that they have not placed the debt for collection. I have sent letters disputing debt and citing violation of Fair Credit Reporting Act. I am fed up with this! I ca n't even count the number of telephone calls we have received from " debt collectors '' and " credit card services ''. I have complained, and complained, and complained!

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 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: Account status incorrect

Complaint: XXXX XXXX XXXX XXXX View All Accounts Previous Next Details Account # XXXX Original Creditor -Company Sold XXXX XXXX XXXX Account Type Credit Card - Revolving Terms Date Opened XX/XX/XXXX Account Status Closed Payment Status Charge-off Status Updated XX/XX/XXXX Usage 0 % Balance {$0.00} Balance Updated XX/XX/XXXX Credit Limit $ 500 Monthly Payment - Past Due Amount - Highest Balance - Terms Revolving Responsibility Individual Transferred to another lender or claim purchased Contact Information XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX They keep reporting this on my report but they say its no longer theirs I would like it 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 explanation
Consumer complaint received 10/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Credence Resource Management, LLC (MO).
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: XXXX XXXX XXXX is a wireless provider I opened an account with in XX/XX/XXXX which is account # XXXX Later I noticed that XXXX XXXX XXXX reported my newly esta.0blished account to the credit bureaus saying that I owed {$860.00} by adding on a balance from an old account over 6 years ago. 

XXXX XXXX XXXX XXXX can not get monies from an old account and place or transfer it to another account in question. Credence Resource Management a collection agency was their collector. Therefore, the debt was cancelled and there is " NO CONTRACT '' The debt was sold and XXXX XXXX XXXX XXXX wrote debt of {$860.00} off on their taxes years ago. I told the credit bureaus that but to this date it is still unresolved. 

That old account can not be merged into a new account of mines and then state to continue on credit bureau report until XX/XX/XXXX. When in fact that old account supposed to been removed some time ago. Especially after 7 years. 
The account being reported is a different one with different account number ( partial # XXXX ) and saying it was opened in XX/XX/XXXX ; When in fact it was not it was over 6 years ago. 

So how can XXXX XXXX XXXX just merge new account information with an old account to impact a person credit report negatively according to the law. 
this is a XXXX company as well and the 2 year rule is outdated. 

I am requesting that this negative & falsified and manipulative information be remove.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2015 about Debt collection (Medical) with International Collection Systems, Inc. (AZ).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: International Collection Systems, Inc. of XXXX XXXX XXXX XXXX, AZ, has called repeatedly, sometimes XXXX times per day, and sent threatening letters to my address, as well as contacted my extended family in order to collect a debt. The language used over the phone was threatening.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2016 about Consumer Loan (Vehicle loan) with BMW Financial Services NA, LLC (IL).
Issue: Managing the loan or lease

Complaint: I was promised a low interest rate upon my auto purchase, but I received one that is on a scale ... .the interest rate starts out so high like {$120.00} @ month then slides as the car loan gets closer to the end. I did not want this and asked BMW for their promo rate of 0 % like many car dealerships are offering. BMW Financial has refused. Their advice was to refi after 6 mos and when I tried to do that, they gave me a higher int rate than I am currently offered. All I want is for them to reduce the interest rate as promised.

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2016 about Student loan (Federal student loan servicing) with AES/PHEAA (MN).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I had forberance granted to my student loans retroactive to XXXX 2014 but have late payments reported to the credit bureaus for XXXX and XXXX of 2014 on all XXXX loans for a total of XXXX reported late payments that should have been corrected by the retroactive forberance. 
Fed Loan Servicing has refused to correct this.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Debt collection (Credit card debt) with Stewart, Zlimen & Jungers, Attorneys, Ltd. (MN).
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint: Stewart, Zlimen and Jungers LTD have engaged in harassing tactics for going on two years now. They never informed me of my ability to dispute a debt, they sent fake ( ie look like XXXX County Court documents ) to coerce me to pay a debt I dispute, they claim I owe more then the amount and the amount granted by the court, they continually contacted me despite my now three times telling them to CEASE and DESIST and I complied with a court order by XXXX XXXX ( XXXX ) to verify that I the judgement they got against me, with out having me served to the correct address, were not collectable due to my only income being XXXX or other protected assets. 

Despite my third informing them to cease and desist and my filing a past CFPB complaint over the issue and they saying they will not contact me ; I received a letter dated XXXX18 trying to garnish a bank account they have already been informed of as only having XXXX as my income. 

This is a pure attempt at harassment and they are trying to cause fear and distress in making me think they have a court order to seize money they know is already exempt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2016 about Credit card () with BARCLAYS BANK DELAWARE (NY).
Issue: Transaction issue

Complaint: I am writing both in general, to suggest a new consumer protection, and specifically to complain about a company called XXXX ; please forward this email to the appropriate office for possible further action against XXXX. Years ago, I agreed to a recurring charge in order to watch their video products. For over a year, I have been trying through every means possible to cancel the recurring charges on my credit card. I have repeatedly used their online forms and followed the steps listed on their website, to no avail. I tried calling the company ( finding the number was a research feat in itself ), and further got no action. I have repeatedly contacted the credit card company to cancel the charges, and I think the current options for this situation are too limited. Because the charge is so small, generally the credit card company credits my account and essentially pays the bill themselves. I need to do this each month. I was told that XXXX might even find me after getting a new credit card through the same bank, and resume charging me on the new card. It 's incredibly frustrating that my only option seems to be to repeatedly contest the charge each month, with the result that my credit card company rather than myself pays these thieves. 

I think this situation is very common, and I believe new laws and policies need to be pyut in place to help consumers and to make it impossible for this egregious behavior on the part of companies to continue. It should be possible for consumers to permanently remove recurring charges from their credit cards, without the consent of the company involved. This would shift the burden of re-establishing a financial relationship to where it belongs : back to the company that made it impossible to cancel recurring charges. I write to urge you to make this happen. Companies like XXXX should not be able to succeed in garnering money from recurring charges when they make it impossible for consumers to cancel the charges.

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 10/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: requested transunion unauthorized inquries remove and transunion customer services refused to dispute and remove. 
unauthorized creditor : 1. XXXX 2. XXXX 2 times

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 05/22/2015 about Credit card () with PAYPAL HOLDINGS INC. (AZ).
Issue: Other

Complaint: My client whom I have POA for has been signed up by Paypal for a credit card that she did n't want and has had to pay a late payment. We want the card cancelled and the late fee refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Deposits and withdrawals

Complaint: Back in 2012 I had an account with bank of America.So one day I accidently left my purse on the bus with my debit card and my id in it.Someone found it and did something with my information I informed the bank of it when it happen and I thought they would close the account since I did n't approved but they did n't so now its on my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Credit card or prepaid card (Store credit card) with WELLS FARGO & COMPANY (TX).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: On  XXXX   XXXX ,   XXXX   two days before y credit card was due on  XXXX   XXXX ,   XXXX   i made the payment for  XXXX  dollars i make monthly. But  Wells Fargo states payment was not received. As a result, account is being collected, late fee was imposed, and interest rate was increased. Customer was not notified of any problems. I received an email and a confirmation number stating the payment was made. I have previously used this account to make my payments to Wells Fargo. Previously i had never had any problem but it seems to be an attempt to scam customers. After calling Wells Fargo i was insulted by representatives. I was denied help, and communicated instead with Executive office at Wells Fargo.

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 monetary relief