milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/17/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with CCS Financial Services, Inc. (MN).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I sent a fax to Credit Collection Services ( debt collector ) followed their instructions on their letter I received regarding the debt collection and did not receive anything back from them regarding the debt for two months and when I did it was just another collection bill. The amount does not add up to the accounting on the communication with the Minnesota Attorney General that the creditor sent them and we do not believe we owe anything. The accounting is impossible to make heads and tails of and they have left payments out. This is the second company the insurance company XXXX XXXX XXXX Minnesota has hired to collect the debt because the first backed out. After finding out that our Automobile/Renter 's insurance company did n't put insurance on a new vehicle we paid for with cash, wheelchair accessible van {$36000.00} and being told by the insurance company that we had made " Too Many Changes and it was our fault '' we went with the flow and had them get it changed, but looked for new insurance and canceled our insurance with them about 20 days later for a new company. They had made a transaction with our check card that was not authorized without our knowledge, etc. So, when we received an additional bill after leaving them, we disputed it. And, they sent it to collections. We disputed that and sent that to the Minnesota Attorney General 's Office and the first collection company decided after reading the communication to not be involved. About 6 months later we got this letter from the new debt collection agency and we faxed over a request for documentation to verify debt. Never received it. We know our rights and knew this was the first step in disputing the debt. Have not had any communication with the company since.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
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  did n't replying in a timely manner to my letters to date after numorious certified, mail request, they have not only violated federal law, but they have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.     I made numerous goodwill attempt to have them clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in there reporting.   I kept a careful record of my communications with them for the purpose of filing a complaint with the FTC and the Attorney Generals office, they still continued non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind them that they may be liable for your willful non-compliance, as per FDCPA 807. False or misleading representations  [ 15 USC 1962e ]   As they have violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, they must now remove the item. Any other action  ( or i n-action ) on their behalf has resulted in a small claims action against their company in  XXXX   XXXX .     As well they did not place on my credit report that I was disputing the account until just after the lawsuit was filed last month.     I also am preparing lawsuits against Equifax,  XXXX  &    XXXX   for not investigating nor responding to me as well, and taking no action when  XXXX   XXXX  did not reply.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2016 about Credit card () with AMERICAN EXPRESS COMPANY (AZ).
Issue: Advertising and marketing

Complaint: I am a XXXX : banks like XXXX, XXXX XXXX XXXX, XXXX XXXX, AMEX, and XXXX claim to want or help small business like mine succeed with the needed credit or loans they need to create jobs and to help the health of the economy. I have applied to all the above banks and was turned down by every one of them despite their advertising and claims that they are here to help small businesses like mine. My personal credit was pulled without my consent and was used as a determining factor to deny credit to my business despite disclosures stating that use of my social security number was used for identification purposes only not for a credit bureau pull. The banking institutions listed have engaged in false advertising and bad business practices by using personal credit and requesting the use of social security numbers under false pretenses.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2018 about Debt collection (Other debt) with I.C. System, Inc. (PA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I have been disputing this alleged debt on my credit report multiple times. They have not provided any proof of the debt or a copy of the contract to determine the account is mine and reporting accurately. I do not agree with what they have reported and they won't respond to me. They have violated 15 USC 1692 FDCPA and 15 USC 1681 s-2 FCRA

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 09-01-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have never been associated with any company named XXXX XXXX as reported in my employment data.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/22/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: How can inquiries be a matter of public record if they are not accurate Equifax refuses to investigate claiming the above Photo copy uploaded

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2017 about Student loan (Federal student loan servicing) with Lincoln Educational Services Corporation (NJ).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I would like to set up a payment plan to pay off my loan of  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2017 about Bank account or service (Checking account) with PNC Bank N.A. (FL).
Issue: Using a debit or ATM card

Complaint: I recently filed several transactions with PNC Nank, N.A. as unauthorized transactions ( ATM withdrawals and POS purchases ) .. The disputed transactions were filed by me sometime on or around XX/XX/2017 through XX/XX/2017. On XX/XX/2017, PNC Bank denied the majority of my claims ( with the exception of two dispute charges where one was provided a final dispute credit and the other was provided a provisional/temporary credit ) for my disputed unauthorized transactions totaling approximately over {$1000.00}. PNC Bank 's reasoning for denying my claims is because the person who allegedly made the ATM withdrawals and/or purchases " kind of looks similar '' to me. I requested the documents and or photos that they received in making this determination to deny my claim and an employee ( XXXX ) from PNC Bank 's Executive Clients Relations department REFUSED to provide me with these documents and photos of allegedly me initiating these unauthorized transactions which is a breach of our contract ( account agreement ) and a violation of the Electronic Funds Transfer Act ( EFTA ) and/or Regulation E ( REG E ).

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ERC (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX agreed to delete account XXXX because it was paid in full XXXX XXXX. XXXX was contacted on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX and on all three occasions I was told by representatives ( XXXX, XXXX ) that they sent a request to XXXX  XXXX XXXX to delete this account XXXX. When I called XXXX XXXX on the dates of XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX I was told that XXXX never sent a request for deletion. XXXX stated they have sent MULTIPLE request to XXXX XXXX XXXX to delete this account that was paid if full but XXXX XXXX still have not deleted this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2018 about Debt collection (Other debt) with McCarthy, Burgess & Wolff, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I am disputing the following information that a collection agency ( listed below ) provided to XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX   The incorrect item should not be listed on my credit reports.

This item is inaccurate because it is an unauthorized charge that I do not recognize. The charge is not legitimate. Therefore, I am requesting that the collection agency remove this incorrect charge as soon as possible. The alleged debt is invalid and the creditor has violated my consumer rights as stated in the Fair Debt Collection Practices Act.

I am requesting this matter be resolved and removed, I appreciate your help with this matter.

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 07/15/2015 about Debt collection (Federal student loan) with TRANSWORLD SYSTEMS INC (MO).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This account was previously submitted to XXXX Attorney General 's Office for illegal collection practices. I later was informed that Attorney General 's Office of XXXX was unable to locate holder of account. This account has since been to sold numerous but I was not notified, thereby accumulating massive fees without my knowledge. After reviewing credit report and numerous phone calls, I was connected with XXXX of XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. Upon speaking with individual, was informed of an expected payment amount with-out seeing the actual balance owed in writing

Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2016 about Credit card () with AMERICAN EXPRESS COMPANY (NJ).
Issue: Billing disputes

Complaint: I was sent a letter by American Express stating that they incorrectly credited my account for fraudulent charges and that the charges were being reversed. When i called American Express no one was able to tell me what charges were fraudulent, when they were charged, or who the merchant was. Am i just supposed to " take their word for it ''? I dont think so! This is the 3rd time this has happened to me and i believe Amex is trying to cut their losses by hoping people wont inquire about the " supposed reversal '' of credits. In this day of data and technology there is no way i believe that they cant tell me exactly what credit is being reveresed and why! I think a class action lawsuit should be brought against the company and anyone who has experieince this nonsense should be refunded the credit reversal.

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2016 about Credit reporting () with EQUIFAX, INC. (ID).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: This was an economic hardship issue that started in XXXX and finalized in XXXX with a short sale. 
I called XXXX & Equifax and let them know that it is still showing up on my report even though I was told it would only remain for two years by the lender XXXX XXXX. It has now been five years and it is continuing to hurt my credit and ability to gain employment. This must stop, I should not be subjected to this punishment any longer. I, like many was a product of the destructive lending practices and economic down turn created in large by the lending institutions / XXXX XXXX etc, with no punishment for them. So why continue to hurt me?

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2017 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am a victim of idenity theft.

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 07-09-2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: We purchased our home in XXXX. Since then we have made our monthly mortgage payments ontime. We also have made additional payments every month and specifically asked for those payments to be put entirely towards principle. Every month we have had to call the company directly and speak to a representative because they have not followed our instructions. The company has allocated the additional payments to their own desires.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: You have me living in Indiana. I have never lived there I have always lived in XXXX. Please correct.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2017 about Debt collection (Credit card) with Financial Recovery Services, Inc. (NJ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I open a credit card in the store with XXXX two years ago I have not received a statement since. Then I received a letter from a collection agency stating I owed {$290.00}. I explained to XXXX that I never received any statements the representative stated that the statements were coming back to XXXX return to sender. XXXX had the wrong address that was why I never received the statements. However instead of calling me two years ago to correct the situation they just ignored the problem. 
When I called XXXX they told me the account was no longer with them to call the collections agency I called the collections agency and they staid to call XXXX back and forth for days with no results. The last person I spoke to was XXXX employee id XXXX she told me there is not anything she could do that I had to pay the total amount I feel this is a bank error and I should only have to pay what the original charge was {$44.00} not {$290.00} Also XXXX was rude and did not try to assist me in anyway. XXXX said over and over again that XXXX will not settle the amount that I had to called the collection agency who already told me to call XXXX for XXXX to waive the {$250.00} because it was a bank error The account was open in XX/XX/2015 agreed however the cashier entered my information and I was not able to confirm the address from the register therefore because I never received the card I forgot about the original charge of {$44.00} I did not receive a call from XXXX on XX/XX/2015 my question to XXXX is if you receive returned mailed from me why did n't anyone reach out to me why was all the late fees allowed to accumulate? 
This seems to be unfair, deceptive and fraudulent charges due to XXXX not following up or doing the proper due diligence for the customer XXXX is just trying to take advantage of a senior citiz

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: ive had XXXX servicing my loans for almst 18 yrs. in XXXX unknown to me and without notice XXXX took over, raised payment from XXXX to XXXX and changed amount owed from XXXX to XXXX. now its navient servicing. Ive been unsuccessful in getting a income based repayment plan like the one I had with XXXX for the last 3 years. Ive faxed in documents approx 6-7 times over the period. All they do is issue forebearances and keep raising payment amount and loan amount. These are loans from XXXX. In XXXX my loans were consolidated without giving me notice that the clock would completely reset payment period. 
I need assistance asap on getting on a income based repayment plan and not having the clock reset after 12 years of good standing. I didnt authorize XXXX or navient to service my loans and do not want them as my loan servicer. i get nonstop calls and or emails every 3 months on forbearance over. I explain the problem to them they appologize, give me a govt student loan tel that is worthless and continue same behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have paid this account in full and it is still hindering my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OR).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: In XXXX/XXXX I was asked to make large payments of over {$450.00} per month. At that time I made less than {$12.00} per hour and I was the sole supporter of XXXX kids. I asked for a income sensitive or hardship payment plan and they said they do n't offer those and my only choice was ; pay the large bill, default, or go into forbearance. So, I took the forbearance and interest kept building. I went into Chapter XXXX and stayed in it to protect me from the collection that would happen if I did not. I begged for Hardship forgiveness but was told it was not possible. I have paid off my ch XXXX and they immediately started demanding a large payment again. Navient says I am in default, which is not possible since I just got my XXXX discharged. I asked again for lower payments and they put me into forbearance without ever discussing that with me. I complained about their billing and I was told they were going to place a hold on my account and return my call with the results of their investigation. That 's when I received a letter informing me I had been put into forbearance. I was also then directed me to a website outside of their company to request a lower payment. I received another notice 7 days later saying I will now owe an additional {$30000.00} in interest! This must be a mistake, but why is this happening? They say I now owe more than triple my original loan amount. All I wanted was a reasonable payment but I still do not have answers and they are reporting me as default when I am not. They are reporting negatively on my credit even after I was told they were working on my account. It 's affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2018 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: As ofXX/XX/XXXX item is reporting as 90 Days late. The item was paid in full and on time. I called customer service in XX/XX/XXXX regarding the issue but the item is still showing 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 05-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SD).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: first not able to call since tty not able talk to a computer so fix it with credit bureau not possible -- was on  XXXX  and answered all id verify questions right but transunion says not able verify id and must mail in all kinds personal documents - should not have to mail all kinds personal info documents and take risk of mail delivering to some other people cross town and yes post office makes wrong delivery a habit -- who knows what the wrong address delivered people will do with my social security number and stuff

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 05-07-2016 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Portfolio recovery has recently been involved in a class action lawsuit for using outdated statement of claim in Georgia Magistrate Courts. I was included in this class action suit per Portfolio Recovery sued me for an alleged debt that I disputed and did not owe. They settled this lawsuit to avoid litigation, but continues to report this debt on my credit reports It is listed on my XXXX credit report as an open account with {$850.00} owed, but is showing on my XXXX credit report as still open with only {$600.00} owed. I have not made any payments to this company towards this account per I have disputed it several times.

Company response to consumer: Closed with explanation