milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/17/2017 about Debt collection (Non-federal student loan) with Integrated Recovery Services (SC).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: This person has called me and my family numerous times threatening to come to my place of employment and to take me to jail if I did not comply with their debt collections.

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2016 about Money transfers (Domestic (US) money transfer) with WESTERN UNION COMPANY, THE (HI).
Issue: Other transaction issues

Complaint: I made a Customer Access Request and provided the appropriate documents however I was never provided with the detailed documents ( See attached page XXXX ) I anticipated receiving such as : 1 ) Banking Security Code Authorization approval document receipts authorizing the specific transaction ( Indicating the Date and Time of authorization ) Card Purchase Date XXXX/XXXX/2016 ; Posted XXXX Checking Account XXXX/XXXX/2016. 
2 ) The Name of the Individual who was supposed to receive the funds XXXX ) A Copy of the signature release form from the vendor who released the funds to the intended receiver. 
What I received from Western Union are shown on pages XXXX and XXXX of XXXX pages ; and if you notice XXXX/XXXX/2016 was not even listed on the Western Union documents provide me. 
I contacted Western Union concerning the error within the provided documents See page ( XXXX ) of ( XXXX ) pages for specific details. Pages ( XXXX ) thru ( XXXX ) of ( XXXX ) pages shows details of follow up attempt inquiries as to wither or not I would be provided the original requested documents. 
I may have spoken with Western Union one time since XXXX XXXX, 2016 concerning this issue and conceded to file a follow up complaint with the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I paid the Online Collections, the account number on my credit report is XXXX directly to XXXX XXXX, account number XXXX, in the amount of {$1100.00}. I am not sure why this account is still on 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 10-06-2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have been a victim of Identity Theft. I have been trying to work with the Credit Reporting Agency but they are refusing to honor my valid identity theft case thus these incorrect/fraudulent items are still on my credit report and they must be removed immediately but they are do not belong to me. I have provided all of the proof to show that I was a victim of Identity Theft and that to the best of my knowledge these fraudulent accounts do not belong to me. Please take immediate action on my behalf so I can have these items removed, deleted and permanently blocked from my credit report, so that I can get back on track to a normal life. 

Regards

Company response to consumer: Closed
Consumer complaint received 01-11-2017 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX incorrect information. 
Previous balance of {$410.00} was the original purchase in XX/XX/2016, I was never late since the interest was 0 % for 1 year or 19.5 % if not paid in full. Original purchase was paid in full back in XX/XX/2016, no more additional purchases were done, and will never do!!! 
Payment : # XXXX Monthly???? I did pay monthly as shown on the attached XXXX statement .... 
Thank you in advance for your great support!!! CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I called to get information about a business security system. I asked for the information to be sent to my email so I could use comparison to other systems. I gave my name, my girlfriends name and the location of where I wanted this to be installed. I spoke with XXXX XXXX XXXX XXXX ex # XXXX and we were on a recorded line, where I was never asked nor gave the permission to do anything with my credit. I told him I would call back. The next day around XXXX my phone notified me that I had a change in my credit report. I took a glance and noticed XXXX XXXX XXXX and AUTOMATION had done a hard credit report without my permission. As well as my girlfriends report had been jeopardized from this the same time. I started the morning of XX/XX/XXXX to call and find out what happened. I spoke with many people and was given an email from XXXX XXXX XXXX XXXX or XXXX or XXXXXXXXXXXX saying " we are submitting request to the credit bureaus to have inquiry removed " ( XX/XX/XXXX - almost a YEAR AGO ). And he said he would let me know when it 's removed. Well I have spoke many hours with numerous people at XXXX about this and no one will do anything. I have emails from XX/XX/XXXX and also XX/XX/XXXX about this and letters they supposeibly sent to get this removed, phone records, voicemails about this and no one at XXXX HAS TRIED or attempted to get these illegal inquires removed. It has almost been a year and has been effecting both credit scores of us. I have done all I can to complete this. Contacted all XXXX credit bureaus and have gotten no where. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (NJ).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I 'm a non account holder at Chase Bank and went to the  XXXX , NJ Chase Bank  location  to make a {$250.00} cash deposit to an account holder that lives in NY and was refused ... I was told I had to deposit a check or money order and when I asked why I can not get a straight answer why other than policy. Since when is CASH not good when making a deposit?? In the deposit account agreement that I pulled up online it does n't say anything in reference to cash deposits from a non account holder ...

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2017 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: XXXX was reinserted on my credit report after previously being deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2016 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (NY).
Issue: Taking out the loan or lease

Complaint: I received a letter addressed from Ally financial services regarding an " inquiry '' based on information Ally Financial provided to credit reporting agencies. The letter also provides me with an account number and vehicle information for a XXXX Honda Accord including the VIN number. 
I have not purchased a car since XXXX and when I called Ally Financial information and attempted to get information from a representative named " XXXX, '' he acted very cagey on the phone with me and did not provide me any information. When I asked to speak to a manager/supervisor, someone then came on the line and I could not hear anything but static during the whole conversation. 
I am saking the CFPB to investigate this situation and please provide me with complete details regarding 1 ) to whom Ally Financial provided information ; 2 ) what type of information was provided ; 3 ) what inquiry are they claiming was made by me or someone on my behalf that resulted in any release of information ; 4 ) copy of car payment history in my name as referenced in the letter from Ally Financial 5 ) all information pertaining to how Ally Financial has my name and address on record in association with a XXXX Honda Accord with VIN # 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 02/21/2018 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: I'm respectfully filing this complaint due to numerous of failed attempts in the removal of said account in order to satisfy Section 611 ( 5 ) ( A ) of the FCRA. With all my formal requests I was never provided any verifiable documents that supports company 's claim, therefore according to the above statue my dispute has merits and should promptly and immediately be deleted. 

Accounts as following XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX Debt # 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 03-10-2016 about Student loan (Federal student loan servicing) with AES/PHEAA (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I APPLIED for a consolidation with FedLoan Servicing not knowing that I would be automatically enrolled. I found out that my loan had been consolidated from calling XXXX ( my previous loan servicer ) and they told me that FedLoan had bought out my account. I was never asked to confirm via signature whether I was sure I wanted to consolidate and if it was the best option for me. They have raised my interest rate since the consolidation and have sent my account into delinquency on multiple occasions even with me filling out the proper paperwork and providing them documentation for a forbearance. I was unemployed in XXXX and asked for an Economic Hardship forbearance which I was n't granted because I did not write the date on the physical form ( even though I had provided my termination letter from my employment ). They never inform me of the changes they make to my account and this is the second time they have placed a delinquency on my account even with me applying for a forebearance. I would like to get my account transferred back to XXXX and XXXX. I am praying you can help me resolve this and get out of this horrible engagement that I have with FedLoan Servicing.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Debt collection (Credit card debt) with Knight Adjustment Bureau (MI).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I don't exactly know how this account Knights Adjustment Bureau showed up on my credit report but it's not mine, the original account holder name is XXXX XXXX  I never heard of this company I never had any dealings with this company the balance of this account is {$1800.00} the date that it was open was XX/XX/2015 account status is reporting still open I have contacted this company in regards to these charges and they told me to dispute it.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Debt collection (Credit card debt) with Talbot, Adams, & Moore, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: issue started with   XXXX   in  XX/XX/XXXX  / XX/XX/XXXX  and  several collection companies. finally after years of being harassed I got it taken care of thru your agency. But like a bad dream it is back on as a new credit card collection syarting in  XX/XX/XXXX  an d companies are harassing and threating me. I had documents from  XXXX  that were destroyed in hurricane that was letter from company back years ago stating not mine. it is now being reported as new collection from several companies.  One company is  XXXX /spears Dewitt  hall  XXXX    XXXX   XXXX    XXXX    XXXX   XXXX   tx  XXXX   XXXX  in my old file with you last year is a copy of the letter from them.. this account is over  9 years old  and continues to come back and ruin my credit. please contact me asap  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2017 about Debt collection (I do not know) with NCB MANAGEMENT SERVICES INC (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Company keeps calling to collect a debt that is not mine. I told them not to call, and they keep calling. I do not owe a debt, therefore I will not pay anyone a dime. Cease and desist immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Ditech Financial LLC (UT).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: In  XXXX , I started the process of bankruptcy - but never went thru with it. I have since settled and paid my debt. I had an open account with DITECH that was charged off on  XX/XX/XXXX .
Since   XXXX   it has reported me late every month - even though the account is charged off and closed.
In   XXXX   XXXX   I called Ditech and asked if I could work out a settlement with them to get this account taken care of. The balance at that time was {$180000.00} -- they told me that if I paid {$100000.00}, they would reopen the account, set up payment arrangements for me for 12 months, and forgive {$60000.00}. They promised me that the balance would reflect as a positive balance on my credit, show the account was open and active and not reflect me past due but rather show me paying as agreed. I agreed to payments of {$1600.00} per month, and sent in the $  XXXX . They still show the account past due {$82000.00} - and charged off. I set this payment arrangement up with   XXXX   XXXX  . He misrepresented his promises to me, and did not honor any of his promises. I honored mine, and have since paid {$100000.00}. When trying to get a payoff or correct monthly statement, or to get it reported corrected on my credit they would not correct. I feel lied to.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2017 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: ( No category above described the problem, so I picked the XXXX most closely related ... ) Transworld Systems Inc. notified me to collect a medical debt that I owed. When I tried to pay the debt online at the website the company provided, their server was repeatedly down over a two day period ( XXXX/XXXX/17 - XXXX/XXXX/17 ). I called during regular business hours to pay my debt over the phone, but my calls repeatedly went to voicemail, and no one ever called me back. 

This is deceptive. The goal of Transworld Systems Inc. seems to be to give people the false impression that they can pay their debt online or over the phone, then lull them into a false sense of security, so that when these attempts fail ( by design ), the deadline is too soon for a mail-in check to meet the deadline. In this way, Transworld can charge more interest.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with DISCOVER BANK (MA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On XXXX XXXX, XXXX XXXX has listed a hard inquiry on my credit report from discover card. I tried to contact them via phone and computer website will not load and i would be on hold until call is droped.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (ND).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XX/XX/XXXX, I logged into my bank account through XXXX XXXX and saw several negative amounts from each of my accounts. I had no idea someone was trying to take me to court and when I called the bank they told me Portfolio Recovery Associates LLC had acquired a writ of garnishment for XXXX Washington. I had not lived in XXXX since XX/XX/XXXX. The amount being garnished was for a credit card for XXXX XXXX where I open the account in XXXX Minnesota. Divorce happened and we had agreed that he would get the cards but for whatever reason this card was never paid and instead of looking for me they selected XXXX Washington where I had n't lived at that point for over 10 years even though public records shows where I was living. 

I then called the person responsible for the collection at XXXX and spoke to an individual there who told me I had a high balance of XXXX, of which a total of XXXX was removed from my accounts via Levy. The person then told me that I only owed XXXX after the levied amount was applied. 

I told the person that I was made aware that Portfolio Recovery Associates stated I owed in excess of {$1300.00} and wanted to know why they were trying to misrepresent the amount I truly owed on my credit report and that trying to collect a balance on top of the amount I owe is considered unfair practices. 
The voice on the phone rebuttalled saying that was never the case and that it was incorrect. 

I disputed the incorrect amount through XXXX XXXX who then looked into the matter, Portfolio Recovery Associates then submitted a copy of my XXXX XXXX  statement showing a balance of XXXX with a letter dated XX/XX/XXXX stating I only owed XXXX. 

Fast forward to present day, XX/XX/XXXX, and I get a letter in the mail with a notice of wage withholding sent to my employer to collect a judgement amount of XXXX ... add that to the XXXX and we are back to the magical number of XXXX yet again even after I disputed this original number and they even sent me a letter stating that it was the incorrect amount and that I really just owed the XXXX. Now I 'm furious and humiliated because my employer has been given a garnishment for a credit card that is n't even the right amount. 

Even worse is that even though they mailed me a letter in XXXX XXXX and knew what my last known address was, they proceeded to file in the XXXX County Court without notifying me, again, and claiming that I owe more then the letter dated on XX/XX/XXXX!!

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2016 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (VA).
Issue: Managing the loan or lease

Complaint: XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX dob XXXX/XXXX/XXXX Wells Fargo is NOT displaying the correct balance and payment history to all three credit agencies ACCOUT # XXXX this is hurting my good payment history please update ALL THREE CREDIT AGENCES WITH THE CORRECT BALANCE AND PAYMENT HISTORY

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Fresno Credit Bureau (WA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: Currently Active Duty Military, while permanent Changing station from XXXX XXXX, to XXXX XXXX, XXXX  I encountered an emergency with my dependent. I departed XXXX, XXXX in XX/XX/2016 and went on leave in transit to report to school in XXXX XXXX. While at school my Daughter and Son got  sick, called XXXX to see if we could take to local doctor to receive medical attention. XXXX approved the authorization for both children in XXXX, XXXX   where my family was staying while in school on official duty orders. When I reported to my permanent duty station in XXXX received bill from medical clinic in XXXX as past due. There was a lot of back and forth from the medical center and my insurance company XXXX, eventually out medical bills were covered and paid by our insurance company. Prior to being fully paid, the medical clinic that we had went to closed its offices and gave our past due account to credit bureau in XXXX, XXXX. Current status of bill was paid by my insurance company. Request to contact company to remove off my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Account opening, closing, or management

Complaint: In 2012 I was contacted by Bank of America & the IRS indicating that I was being held responsible for an uncollected debt. That debt about of {$2800.00} was sent to the IRS and as a discharged debt for account # XXXX at bank of America. The IRS took the discharged debt as income for the 2012 tax year. Since then, I have provided the IRS will all the documentation showing that debt was n't discharged, it was a checking account that was turned over to attorney 's and I was sued for the entire amount which was paid in full. I provided all the documentation showing the account number, the amount and the attorneys that I paid the debt off to. They even provided a letter a satisfaction when the debt was paid in full. I made several attempts to provide this letter to the IRS ; however, I was advised to handle the matter with bank of America so they can notify the IRS of the Error. I have made several attempts for bank of America to correct the situation however they are n't owning up to their inaccuracies.

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 03-09-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have XXXX loans that were technically illegally given at the time i started school but the school somehow managed to push the loan the following year so it would look accurate. XXXX/Navient is reporting a 90 day late and with the payment history i have requested, my loans have always either been deferred or in a current status. This status is showing reported back in XX/XX/2012 on all XXXX Bureaus and they wont update the status nor will the credit Bureaus updated it with proof that there is no 90 day late. Please help me with getting this updated to having this negative remark removed.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2015 about Mortgage (VA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Loan modification,collection,foreclosure

Complaint: Bank of American is trying to foreclose as I am still in the modification process. See attached,

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation