milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/26/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My wife received a letter from an alleged collection agency informing her of a {$140.00} XXXX dept. She was offered a settlement payment of {$29.00}. We have never had an XXXX account. I XXXX the company name and learned of several consumer complaints who reported being in the same position as my wife. Some of the consumers reported phoning the company, where they were either informed that there was no dept. or told of the dept in a threatening manner. Complaints of returned calls from the company harassing/threatening were reported. For this reason, we have not made contact with the company, choosing to, instead, to pass this info on to you. It be important to note that my wife and I are senior citizens, retired and living on fixed income. Your assistance is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Credit card () with PAYPAL HOLDINGS INC. (CA).
Issue: Transaction issue

Complaint: I have a PayPal Credit account for many years. They have a XXXX liability policy for fraud. On XX/XX/XXXX I filed a claim for {$940.00} ( my first claim ). They have done nothing to resolve the issue. And I was just informed by a PayPal dispute representative that there is no one at PayPal Credit I can talk to, ever. 

PayPal 's site claims their liability protection is the same " as that provided by most major credit cards ''. That is clearly untrue.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2016 about Mortgage (Other mortgage) with Specialized Loan Servicing LLC (NY).
Issue: Loan servicing, payments, escrow account

Complaint: I have a mortgage with XXXX XXXX. I had it set up to make automatic payments. XXXX, changed their processor to SLS ( Specialized loan servicing, XXXX ). I contacted this company when my normal payment was not withdrawn. The representative told me that I did not have to make a payment until XX/XX/XXXX. I told them I did not want to accrue interest until then with no payment. I then proceeded to call back as instructed to set up the automatic payments. When a couple of weeks later I received an email stating that the could not find my bank account. Also a letter telling me I was delinquent. ( this all started in XX/XX/XXXX ). Again I verified all my account info and assumed it would work. No such luck again the same process. I called again only to receive another pair of letters. Another call and again the same thing. I called yet again and talked to a person named XXXX, that seemed to know what she was doing, she assured me this would not go on my credit report and investigated the failure to withdraw money from my account. I had been instructed previously to contact my bank as to why and my bank said all the info was correct and the withdrawal would only show account not found if it had been submitted as a savings withdrawal. XXXX said indeed it had been submitted as savings even though in every previous call I had been adamant that it was a checking account. She told me she would call me if there was a problem. This company also records all calls! Well yesterday, XX/XX/XXXX I received a letter stating my mortgage was delinquent ... no for me not trying. I was also told at one point that they use " XXXX XXXX '' for their transactions and did n't take a check. I am beyond frustrated with this company and I have all three payments, XXXX, XXXX, and XXXX in my account and yet another letter making me feel like a deadbeat for nothing that is or has been my fault. I think this company is doing this to accrue interest and cause people grief. A business that ca n't process a simple on line payment that I have never had an issue with can only be interested in their bottom line and nothing else. I told them the last time I called I am going to pay the loan off just to get rid of their poor customer service and threats with no basis letters in XXXX, but I am afraid I will never be able to manage as they can not seem to process a simple transaction. Please help me! I am sure this will also help others as well

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 03-03-2017 about Debt collection (Medical) with Collection Information Bureau, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: DOCTORS BUSINESS BUREAU ACCOUNT NUMBERs : XXXX, XXXX XX/XX/XXXX ( XXXX ) XXXX Collection Information Bureau , Inc . 
68 years in business XXXX. 
XXXX, FL XXXX Dear Sir or Madam : I am a victim of identity theft. I am demanding that you reinvestigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ]. You have no way to ascertain the legitimacy of my action without investigating the items in question. 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 notify DOCTORS BUSINESS BUREAU or any company associate with this account # XXXX, 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 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 : Additional stall tactics on the part of your organization will be reported to the Federal Trade Commission DOCTORS BUSINESS BUREAU acc # XXXX, XXXX 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 SOC SEC # *********** DOB XX/XX/XXXX ADDRESS XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Stellar Recovery, Inc. (NM).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: XXXX XXXX has my name and social security tied to an unpaid account that does not belong to me. They used Stellar as their collecting agency. Since the unpaid account did not match my address, I never got a bill from XXXX for the unpaid balance. The first time I was approached about this issue was from a Stellar agent. He spoke with my wife, as my wife was trying to communicate to him that we did not reside at that address and our name should not be tied to that account, the agent told my wife that sometimes people can be living a double life ( big time harassment ). Since the amount is only for XXXX nobody is willing to put in time to investigate the issue. My credit is tied to this unpaid bill and now I am trying to buy and investment property and the bank is telling me that I have to pay this debt. Please help with this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with PNC Bank N.A. (GA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I was recently reviewing my credit card statements. I was VERY surprised to see my last couple of payments have been applied to a promotional balance that expires on  XX/XX/XXXX  vs. the promotional balance that expires on  XX/XX/XXXX . I found this to be a little shady and asked a manager or supervisor to explain how/why this happened. I also requested those payments be applied to the promotional balance that expires on  XX/XX/XXXX  vs.  XX/XX/XXXX - since  XX/XX/XXXX will be here sooner than  XX/XX/XXXX . On  XX/XX/XXXX  I was called by a Manager   XXXX   XXXX   who explained that nothing improper was happening with my payments. I then explained how PNC is applying the payments will allow them to collect interest in  XX/XX/XXXX since they are applying current payments to a balance due in  XX/XX/XXXX . FIRST - so when  XX/XX/XXXX  comes I will either have to pay a very large credit card bill OR my credit card account will be assessed interest.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Im an authorized user on this account but did not sign up for this on XXXX account

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 08/17/2017 about Debt collection (Payday loan debt) with NCB MANAGEMENT SERVICES INC (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX has claimed that owe XXXX XXXX {$2700.00} for a payday loan ( which is not legal in Maryland XXXX I have told them on several occasions that this is not my debt, they have listed this on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Stellar Recovery, Inc. (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: A fraudulent account was opened in my name at an address I have never lived at. I first found out about it in a collection letter that was mailed to my real address. I contacted XXXX XXXX the account ) spoke to their fraud department, was issued a escalation ticket, filled out and returned to them with supporting documents they requested. XXXX received documents, closed the ticket and 5 months later, I received another collection letter. I called XXXX back, they confirmed the documents were received, the ticket closed and they will notify the collection agency. I called the collection agency gave them my facts, they said XXXX has not notified them, will close and send it back to XXXX. Fast forward to today, 10 months later I receive another collection letter from another collection company, same XXXX account number, same $ amount. I have spent the last XXXX hours on the phone with XXXX going from department to department with no resolution. Finally I was connected to the FTC who suggested I contact this bureau for resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2015 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: This account is over 7 years old and is still being reported

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2016 about Mortgage (FHA mortgage) with SELECT PORTFOLIO SERVICING, INC. (DC).
Issue: Credit decision / Underwriting

Complaint: The servicer is asking for canceled Social Security checks from the Borrower because he cashes his checks instead of depositing. The award letter was provided for both him and his wife. THe servicer will not move forward with the modification until they get canceled checks from the social security office which will take some time. The borrower and co borrower are a XXXX XXXX. It is very difficult to get back and forth to the bank and other places when the servicer keeps asking for docs. So it takes time to get the docs and send to them. The home is in danger of foreclosure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I was a victim of the inquiry fiasco and i would like my inquiries deleted ASAP XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 09/14/2017 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: Recently Equifax had a data breach. According to https : XXXX, I am impacted by this data breach issue. I tried to get my annual free credit report from Equifax, and unfortunately, Equifax website told me that they can not identify my identity online. I tried to call them, and get no answer. The only way was to sign up to their service. I believe that Equifax is using this data breach opportunity to force me sign up to their service, which is definitely improper use of my data, and is very disgusting.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Debt collection (Mortgage) with ProCollect, Inc (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have continuously contacted this company as well as the original creditor to advise them that I did not know this debt. To date I have not been able to resolve this issue. I have provided multiple documentations to this creditor providing proof that this was not my debt, without resolve. This is not my debt and I would graciously appreciate it if this was removed from my credit report. This is affecting my livelihood tremendously.

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 12/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (NY).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XXXX XXXX performed a hard inquire without my permission or my knowledge. Please either provide evidence of my written or oral approval or please remove as this unauthorized hard inquiry has negatively impacted my overall credit standing and score As you are aware : " Hard inquiries ( also known as hard pulls ) generally occur when a financial institution, such as a lender or credit card issuer, checks your credit when making a lending decision. They commonly take place when you apply for a mortgage, loan or credit card, and you typically have to authorize them. ''

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Frauding scams using my credit files as XXXX listed business Frauding as : : : : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Then frauding scams using my birth certificate long form of doctor listed using XXXX XXXX XXXX as multiple XXXX XXXX Then fraud scams using XXXX XXXX. ( Frauding my immazation record of XXXX county Indiana ) Frauding scams using : : XXXX XXXX in Nevada frauding scams frauding XXXX Indiana Frauding scams using XXXX Indiana Frauding scams using XXXX frauding 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 04/19/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Helvey & Associates (NC).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This company is reporting a collection on my credit report with account number XXXX. On XXXX XXXX, 2016 I sent this company a letter requesting validation of a collection they are reporting on my credit report as paid. Not only did they completely ignore my letter, but they are also still reporting the unsubstantiated mark on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
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: After reviewing my credit report ongoing .. There 's a collection  XXXX   XXXX   XXXX   XXXX .. A Balance of {$5000.00} ... Opening date  XXXX   XXXX , 2016.. That 's continuing to appear on my credit Report ... It was once remove due to Fraud.. And it has now appeared back.. And it 's showing as if the collection is new.. And it 's a severely old account ... Police Reports has been sent in to them and all of the Credit Bureuas to have it remove.. An d all have done  so except Equifax ... I have not lived at this address or apartment complex ... This is Really starting to be a pain.. Because what they are reporting is not accurate and it 's Fraudualant..

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
Issue: Problem with fraud alerts or security freezes

Complaint: On XXXX XXXX, XXXX, I attempted to place a Freeze on my Experian Account. I initiated the process on their website, but after an hour of effort, I was informed that I would have to mail in copies of my Official Government ID, a Utility Bill, my Social Security Card, and my identity theft Police Report. I mailed the documents to Experian on XXXX XXXX, XXXX. On XXXX XXXX, XXXX I received a 14 page reply from Experian. The first page told me to send copies of all the materials I had already sent to Experian. It was not until page 4 that the letter stated that the police report I provided was insufficient for one of six possible reasons, the exact insufficiency not identified. I was told that I could have a credit freeze if I was willing to pay {$5.00}. 

I have provided more than enough documentation as to my identity and have also provided a valid Police Report. Experian is being deliberately opaque and unhelpful in order to reduce the number of Credit Freezes approved and, in the alternative, monetizing the process to make up for otherwise lost revenue. Not only is it unfair, it also increases the risk of identity theft by discouraging consumers from freezing their credit files.

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 10/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Over the last 6+ months I have been trying to get Navient to process a recertification for an income based repayment plan on my student loans. First in XX/XX/XXXX then again in XX/XX/XXXX. In both instances I was given miss information by Navient customer service as well as told I did not complete the process ( which I have done for several years now ) incorrectly. In addition Navient applied a forbearance to my account when I expressed my desire to pay a past due amount. The representatives continually provide miss information and as result have cost me several thousands of dollars in accrued interest as well as severe hit to my credit report and score

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

Complaint: XXXX XXXX has been reporting Negative item since XXXX XXXX. Past 7 years. I have not receive any investigation results from Equifax. Previously disputed in XXXX XXXX, XXXX XXXX, XXXX XXXX Equifax did not provide me a proof of VALIDATION OF 1st Delinquent Date

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. (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX XXXX shows on these dateXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX on XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXXXXXX XX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX No actions were taken by the company

Company response to consumer: Closed with explanation