milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-05-2018 about Debt collection (Other debt) with Professional Finance Company, Inc. (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: At the time of this amount was being owed. It was the responsibility of another person the bill was just in my name. The reason they did not pay was because they moved out of the place they were in. I did not know that this debt was on my account and I tried multiple times to dispute it. 

The amount owed is XXXX . And it has been on my account since 2014.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2016 about Debt collection (I do not know) with FIDELITY CAPITAL HOLDINGS, INC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: XX/XX/XXXX, my husband and I lost our backpack with both our wallets with State Driver Licenses while on a trip with a group of people when it was accidentally left somewhere during a walk, which was near XXXX XXXX CA. In XX/XX/XXXX we learned for the first time of a fraudulent debt collection on our XXXX and XXXX credit reports from XXXX Creditors on behalf of XXXX XXXX, which appears to be an apartment complex but we have no knowledge of this business or ever resided there. It appeared from the credit report that this collection was initiated sometime in XXXX but we were never aware of it until XXXX XXXX and never received any letters or calls from anyone about the fraudulent debt. Fidelity Creditors says they have a signed lease with copies of our IDs, which appears to have unmet terms by someone who fraudulently used our driver license identifications with XXXX XXXX and fraudulently signed a lease with them, which is not notarized and is not ours.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2017 about Checking or savings account (Checking account) with TD BANK US HOLDING COMPANY (DC).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: ACTION : TD Bank called on XX/XX/XXXX at around XXXX Spoke with representative and supervisor. 

PROBLEM : I recently signed into my TD Bank account and received a pop up marketing message that tells me that my account has been " overdrawn/ATM card declined and that TD could have prevented this at their discretion '' in an attempt to get me to sign up for overdraft protection. The statement is a lie. I called TD Bank and had them confirm my account had not been overdrawn or ATM card declined. I asked for a supervisor who told me this was just a marketing practice and that she could not help me. I was referred to my bank XXXX. Even though their is no fee for the overdraft protection, by signing up you agree to be charged {$35.00} ever time you overdraft your account in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (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 and Experian has not corrected my Credit File to  reflex what is actually been paid in full. 

XXXX XXXX and XXXX XXXX XXXX should show a XXXX  Balanced Owed. My Credit Score has dropped from XXXX to XXXX due to this Misinformation from these three Credit Reporting Agencies. I want them to correct my Credit File so I can get Credit again. As of this date I have been Rejected for Credit Cards and.. 

Car Loans because of this Misinformation showing I owe on these two accounts that are Closed with a Zereo Balance Owed. 

Waiting for a Reply, XXXX 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 explanation
Consumer complaint received 11-07-2017 about Mortgage (Conventional home mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA).
Issue: Struggling to pay mortgage

Complaint: My loan servicer was XXXX, I mailed in three payments, 1 in XX/XX/XXXX & 2 in XX/XX/XXXX- as far as I am aware only 1 of the 3 payments was debited and applied to my account. I am not  sure, bc I have received contradicting letters, as well as contradicting information on the phone. I received a letter dated XX/XX/XXXX stating that my loan was being transferred to Rushmore. Since being transferred, XXXX advised me that I do not need to worry,XX/XX/XXXXpayment will apply & a delay was common. To date, I have received no checks back & no payment was applied that I know of. Th new servicer told me to contact XXXX & XXXX told me they no longer had my file & to contact the new servicer. I had also contacted the new servicer on several occasions to enter into a repayment plan- for the months that were becoming past due ( not including the months for which I sent payments in for ). They were going to send me a packet for repayment options & told me to either send the payments in again or wait to receive them from XXXX. I have now received a notice of Default & to Foreclose from the new servicer & no packet, no assistance options.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2017 about Debt collection (Payday loan debt) with Paragon Subrogation Services, Inc (IL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: Claim I owe money to a payday loan from  2008 . I have no knowledge of any loan. Will not provide proof, claim they do not have to. They say they will prosecute me for defrauding bank if I do n't pay immediately. They have called me, my in laws, and an old friend relentless ly 10+ times a d ay from  XXXX  (  XXXX   XXXX   XXXX . Claim they are  XXXX   XXXX   / Paragon and are a  mediation company.

Company response to consumer: Untimely response
Consumer complaint received 06/15/2016 about Debt collection (I do not know) with Penn Credit Corporation (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They are calling the above number about XXXX4 times a day. When I finally answered and requested the name of the creditor they would not let me know. They asked me to verify my address which I would n't due to issues regarding previous issues with my identity. The number they are call is not a number that I would use regarding any credit card or loan that I would take out it is a second line in my house that I use for my business. Also I have never received any notices in the mail regarding the debt they are trying to collect. If they have mailed notices they obviously went to the address that is using my name and therefore this is not my debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I took out Private Student Loans to assist with financing my schooling in XXXX XXXX at XXXX. I did not do my due diligence on these loans and research them beyond what I was told by the Customer Service Representatives that " sold '' me the loans. I was warned that I would never be able to include these in a bankruptcy up front because they are student loans, but that I would be able to consolidate them to a 1 % interest rate with all my other ( federal ) student loans, a program that was available at the time I took out the loans. I did attempt consolidation and discovered that I was intentionally misinformed. For years I tried to work with them on repayment and dealing with the exorbitant interest charges. I was told to go to Payday loan lenders and I did, I was told to just defer and eventually I would be able to afford. I believe the debt I owe has more than tripled. My credit is destroyed and ultimately I recognize it was because I did n't pay close attention to the fine print and question the lender thoroughly. I am a victim of predatory lending. I stopped answering their calls and I stopped paying for deferments that rolled the interest into the principal and I did my best to get educated on these types of loans and finances. I have sought out legal counsel but the typical response is a willingness to research, but not to lock horns with XXXX XXXX/ Navient. I have been told that I can be represented by defense attorneys when they file suit and start attempting to garnish my wages. I owe them most certainly, but I am in a situation that if I would make their interest payment for the next thirty years I would still never be able to repay the loans. With my credit the way it has become I can not own a home, cars are financed as " special needs '', and my wife and I receive up to 10 calls a day from Navient 's collections and we have blocked the numbers so they do n't ring through to our phones.

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Receivables Management Partners, LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have Medicaid and have so I do not know why I 'm being charged

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 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: XXXX is fraudulent reporting an account which was opened on XX/XX/2017 to XXXX, Transunion and XXXX for the amount of {$720.00}. They reported that the are trying to collect for a company called XXXX XXXX. I have never taken an online payday loan from this company. The number the credit bureaus have is a non working number I am unable to contact this company by phone. I would like this reported this to the BBB and have seen multiply reports on the company doing the same thing to numerous people they are scammers and need to be stopped. This account was opened as a result of fraud e. I have no. contracts with XXXX nor XXXX XXXX. They have no legal right to collect because ive got no goods or services from either of these entities

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 09-06-2017 about Debt collection (Other debt) with Credit Protection Association, L.P. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Fraudulent Billing What a nightmare dealing with this company. We were lied to about services available to our home address. When the installer arrived he was honest enough to let us know he would not install because we would NOT have service at this address. 
We called XXXX immediately to inform them of the non installations and cancelled service. Since then we have been hounded by this bill collection agency. 
I call EVERY MONTH and get the same lies and promises that this issue has been resolved and indeed we do not own any monies to XXXX. Then 30 days later, we receive a letter from XXXX that the dispute of money owed has been denied by XXXX and the collection agency has placed our account into collection AGAIN. 
This has resulted in derogatory information on my credit bureau and I am fed up beyond belief. 
Ive filed complains with the FCC with NO RESPONSE at all. 
What does it take to get this company to be held responsible for their obvious SOP of bullying, flagrantly lying to the public and causing undue distress via derogatory credit bureau information?

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 05/19/2015 about Debt collection (I do not know) with JPMORGAN CHASE & CO. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Sent a few letter to different addresses listed for the company and never got any response. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " JPM Chase d/b/a JP Morgan Chase '' on XXXX via USPS certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. 

Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: EQUIFAX HAS NOT REMOVED FRIVOLOUS ACCOUNT REPORTED FROM XXXX XXXX XXXX. EQUIFAX RECEIVED AN IDENTITY THEFT AFFIDAVIT FROM ME OVER A YEAR AGO. I NOW HAVE ATTACHED FURTHER PROOF FROM THE XXXX XXXX & FROM XXXX THAT CORROBORATES THAT I RECEIVED FUNDING FOR COLLEGE XXXX FROM A UNIVERSITY OTHER THAN XXXX UNIVERSITY-THE ORIGINATOR OF THE DEBT. I HAVE NEVER ATTENDED XXXX AND I HAVE OFFICIAL DOCUMENTATION TO VERIFY MY FULL ENROLLMENT AT XXXX AT THE TIME EQUIFAX IS SAYING THEY RECEIVED VERIFICATION FROM XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , PA  XXXX  ; Experian  XXXX   XXXX   XXXX   XXXX   XXXX .   XXXX    XXXX   XXXX , TX  XXXX  ;   XXXX    XXXX   XXXX   XXXX   XXXX , GA  XXXX  have been reporting erroneous information on my credit report since   XXXX  . I have asked them to remove the information and they have found ways to collude with  XXXX   XXXX   XXXX   XXXX  to keep the mortgage information on my credit report.   They just recently acknowledged receipt of letters  (  responses attached ) from property requesting information be corrected. We have even provided copies of the notorized QUIT CLAIM DEED to  XXXX , Experian and  XXXX  in   XXXX  , yet they turned a  blind  eye and willfully violated the Fair Credit Reporting Act ( FCRA ), Service members ' Relief Act (  SCRA  ) and the Fair Debt Collection Practices Act ( FDCPA ).  XXXX   XXXX   XXXX  was also informed of this matter and chose also to violate the FCRA,  SCRA  and FDCPA. Both I and my wife have written countless letters to remedy this with the credit bureaus to no avail. They have caused us economic and emotional duress as a result of their violation of the cited above. We hereby ask that the mortgage pertaining to property at  XXXX   XXXX   XXXX   XXXX   XXXX  TX  XXXX  be deleted from our credit files IMMEDIATELY.

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 12/27/2016 about Student loan (Federal student loan servicing) with GREAT LAKES (AZ).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My daughter is still in school and does not have to make any payments on her student loan for 2 years. Since she had an awesome semester, I wanted to make a {$2000.00} principal only payment on her highest-interest loan balance. Great Lakes would not process this without first applying {$550.00} to her interest owed. This is not right at all. My daughter does not have to pay a single penny of principal or interest on this loan and Great Lakes should have a process to allow for principal-only payments just like any other type of loan. Student Loans should not have a 120 day limit on principal only pay backs. This is deceptive and misleading. I am not saying that she should n't pay the interest she owes, at the time it is due. But what I am saying is that I should be able to make occasional one-time principal only payments if I choose and that the lender should have a mechanism to processes these types of payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (TN).
Issue: Struggling to pay mortgage

Complaint: I am writing again in hopes you can keep a hard-working single mother and her son in their home. I have been battling to keep afloat and a house above our heads for some very stressful, heartbreaking months. I submitted a claim to you before and yet again, Ditech is not doing what they should. 
I am a XXXX, and like I said already, single mother in a situation I am trying desperately to work out of. We got behind on our mortgage, due in large part to a predatory loan and fees that were added but never really explained to me. I was switched between one agent and another, and thought I was finally getting ahead because my file for a modification was in review. 
But when I called most recently to check in with Ditech, I found out my house is still in foreclosure! I am very clear on the fact that they can not have me in active foreclosure and in active review, which is in violation of the dual-tracking law.

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.Q. DATA INTERNATIONAL, INC. (WA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I moved out of my apartment and did a walk-through at the ending of XXXX XXXX, 2016. I never received a breakdown of the ending charges for the walkthrough however I was told it would be mailed to me. On XXXX XXXX I received a call from a collection agency called IQ International in regards to my previous Apartments. They told me that I owe {$470.00} was so I told them this was a mistake and I needed to call my previous Apartments. I called the apartment and they told me they made mistake on the bill and that they sent me a statement 2 weeks after I moved out ( XXXX XXXX ). XXXX XXXX XXXX managed by XXXX XXXX XXXX told me to wait a couple days before I call the agency which is not a collection agency. But the collection agency IQ International called me back ( the same day ) and told me if I do n't pay them in 10 days that I will pay 12 % of the balance each day and it will go on my credit report. So my lawyer sent a dispute of payment on XXXX/XXXX/16 & still have n't received a response. It just seems unethical that they did n't even give me 30 days to pay nor for the letter to even reach me. The collection agency responded to the Attorney General that they settled on XXXX/XXXX/16 ; however, my Attorney never received a response from them. And they reported it to the credit bureau.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have received discharge order from bankruptcy court on XXXX XXXX, 2000. 
But on my credit report, there is still a account balance is $ XXXXPlease remove {$120000.00} from the account balance ( Closed account ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/14/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX is reporting XXXX open accounts that are discharged through a bankruptcy i have been trying to resolve this but XXXX XXXX insists that this is the information they are receiving from trans union.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2017 about Consumer Loan (Installment loan) with UNITED SERVICES AUTOMOBILE ASSOCIATION (WA).
Issue: Managing the loan or lease

Complaint: Furthermore, I have asked for access to my bank statements for my accounts. Normally these statements are available online. Since they have revoked my online access, I can not view or download any of my bank statements. To add insult to injury, whenever I call into USAA to request the statements be mailed to me, I am told I must pay {$10.00} per statement. I believe there are payments that were made to my loans with USAA that are evidenced on my bank statement, yet they are not giving me access to documents that will either prove or disprove my claim. 

In XX/XX/2016 I also purchased an extended vehicle contract on a XX/XX/2016 XXXX. At the same time, they closed my account relationship with them, they cancelled the agreement and refunded all the money I paid in to it, even though I did not want this third-party agreement cancelled. They issued me a refund, yet I have no way of confirming whether the refund is the proper amount. I can not verify information online and the payments would be evidenced in my bank statements which they are not providing to me. Needless to say, when USAA cancelled this third-party contract, the action prevents me from getting coverage elsewhere without incurring a significant cost increase. It is worth mentioning that payments towards the auto warranty were made on time and were never late. 

In closing, I need the CFBP to assist me with getting my issue addressed with high level governance within USAA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2015 about Debt collection (I do not know) with PAYPAL HOLDINGS INC. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I received a PayPal debit card in the mail which I had NOT requested. The card was sent to my home address in the name of " XXXX XXXX. '' I immediately called PayPal to cancel the card and to find out what had happened. The representative acknowledged that the account had been opened using stolen information. I subsequently communicated with the PayPal representative by e-mail ( which I have ) to confirm that the account had been closed and that the matter was resolved. I am now being harassed by a debt collection company ( XXXX XXXX XXXX, XXXX. ) with respect to amounts owed to PayPal relating to the fraudulently opened account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief