milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-06-2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (GA).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: The debt is well beyond the Statue of limitations for collection. They have repeatedly taken of on credit report only to add it to others time and time again. The account was sold in XX/XX/XXXX and resold in XX/XX/XXXX. It should not appear on my credit report. They should not be calling family members about this old debt. They should not even be writing me about debt. They have been sued, they have been fined, yet they continue to commit the same unethical acts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/24/2015 about Debt collection (I do not know) with Penn Credit Corporation (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Received a call from PENN CREDIT. I do not know who that is and have never done business with the company. There was no person on the other end when I answered the call. They continue calling several times a day including Sundays. I no longer answer the phone when their number and name appears. This has been going on for months and I am sick of it. We are elderly and my wife is in stage XXXX of XXXX. Can you do anything to get the calls stopped? Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Incorrect information on my credit reports from XXXX, TRANSUNION and XXXX. Inquiry not authorized by me. Per multiple inquires on my report that are shown in the year of XXXX  and XXXX was not authorized by me. I have spoke with all credit bureau multiple times requesting proof of validation, verification of authorization and nothing have been provided to me yet. Under the FRCA ACT, the bureau 's are responsible for investigating once I request a dispute within 30 days or delete. This error is effecting my credit worthiness. The multiple inquires on my report are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IT XXXX Inquiry Dates : XX/XX/XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, MN XXXX Inquiry Dates : XX/XX/XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Inquiry Dates XX/XX/XXXX XX/XX/XXXX. Can someone assist me with this complaint.

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 07/19/2017 about Debt collection (I do not know) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have asked Capitol One three times to remove my number from their call list ... because I did not owe them any money ... they are calling for someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2015 about Payday loan () with PLS GROUP, INC (CA).
Issue: Charged fees or interest I didn't expect

Complaint: I currently have XXXX {$300.00} payday loans from XXXX different storefronts in my neighborhood : PLS, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX. I also borrowed an installment loan in the amount of {$2600.00} from XXXX XXXX in XX/XX/XXXX. I am drowning in debt and I ca n't handle it anymore. I need some relief. This is very stressful and expensive. 

I first started using payday loans about 6 or 7 years ago. My current situation of using multiple payday loans every two weeks started XX/XX/XXXX. My roommate moved out and I had to figure out how to cover all of my housing expenses on my own. At this point, I 've been churning XXXX payday loans every two weeks for over two years, and I 've paid an estimated {$10000.00} in fees, at least. To make matters worse, I 've been paying {$140.00} every two weeks on a XXXX XXXX installment loan, and I 've already paid {$2200.00} between XX/XX/XXXX and XX/XX/XXXX. But my total balance as of XXXX XXXX is still {$2600.00}! How is this even possible? 

On top of my outstanding payday and installment loans, I have a car note from my credit union that I pay {$320.00} a month on, plus {$180.00} in insurance. Plus, my rent is {$1100.00} every month. After taxes, I only bring home about {$1800.00} a month. So this is really hurting me and I 've reached my breaking point. I 'm really struggling to figure out a way to get out of all this expensive, cyclical debt. I do n't want to default on the loans, but at this point I 'm not seeing another alternative. I recently received XXXX utility disconnection notices from my gas, water and light companies. To make matters worse, I 'm also facing being laid off from work in the next few months. 

I need help. I do not have the ability to repay all these loans. I recently found out that it 's against the law for lenders to extend multiple loans to a borrower with an outstanding loan. So legally I should n't have even been able to get XXXX payday loans plus an installment loan at once. Can the CFPB help me in any way?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/21/2018 about Debt collection (Other debt) with SUNRISE CREDIT SERVICES, INC (NY).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: The name of the collection agency is listed under all 3 credit bureaus but they have not verified the debt

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 12-08-2015 about Debt collection (I do not know) with National Credit Adjusters, LLC (CA).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: XXXX XXXX XXXX is continuing to sell debts to its companies XXXX of which is NCA ( National Credit Adjusters ) so as to make it appear that they are following a decision recently not to collect any more debts or sell them to other debt XXXX. XXXX XXXX has different departments. XXXX and XXXX for NCA so they will not be caught again collecting debts in their name which XXXX XXXX but actually this is their company too.

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2017 about Bank account or service ((CD) Certificate of deposit) with ALLY FINANCIAL INC. (NJ).
Issue: Account opening, closing, or management

Complaint: Ally 's so-called " XXXX is a total rip-off! They falsely advertise that 'your rate goes UP if/when the Fed raises rates ''. They are LIARS! In 4 years times I was to receive rate hikes when The Fed raised rates - which The Fed did - twice. The first time The Fed raised by 0.25 % I was given only 0.04 %! The second time I got NOTHING except a snot letter from Ally that rates are 'raised solely upon OUR choice ''!

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 08-04-2017 about Debt collection (I do not know) with Credence Resource Management, LLC (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I am getting phone calls from this company daily. Sometimes I 'm called from different numbers more than once a day. I do not owe any debt. When I asked why they are calling me or what this is regarding they wo n't tell me anything. This is harrassment plain and simple My FICA score is XXXX and I 'm tired of them calling constantly

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 01-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PR).
Issue: Problem with fraud alerts or security freezes

Complaint: Account is not mine. Credit alert set up and police reports sent in regards to existing fraudulent accounts. 

This frauduent account new on my credit report : Date account created was XX/XX/XXXX right after my ID theft report. 

Never opened this account, never been late on a non existing account. 

Account number on credit report : XXXX Called with no resolution. 

Please resolve, thank you both XXXX and 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 12-12-2015 about Credit card () with CITIBANK, N.A. (MD).
Issue: Credit determination

Complaint: I recently applied for a citi credit card.My application was denied since the bank ( citi ) stated that my address or phone number are located overseas.I am not sure where or how they got this information, I 've been residing in the US for the last 25 years and am a US citizen.The denial letter was sent to my home address I listed in the application which is obviously in the US and I am including it below as well as my phone number. 
I contacted citi to inquire how they determined that my address and/or phone number are located overseas but there were not able to provide me an answer. 
Would appreciate if you could look into this matter. 
Application ID : XXXX XXXX MD XXXX Tel : ( XXXX ) XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SUNTRUST BANKS, INC. (TN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: While checking my personal credit report with all  XXXX  credit bureaus in  XXXX   XXXX , I noticed several inquiries made by numerous of organizations on  XXXX / XXXX / XXXX . I have reached out to the organizations and no one was willing to help due to the age of the inquires. I have even went as far as mailing certified letters to the credit bureaus requesting for the unauthorized inquires to be removed  XXXX . Only to get back a generic response from them.

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 04-03-2017 about Payday loan () with CURO Intermediate Holdings (SC).
Issue: Can't contact lender

Complaint: I obtained my credit report on XXXX/XXXX/2017 and noticed that I had a collection on my account from SpeedyCash. I called the company on XXXX/XXXX/2017 and advised that I did not have a loan from them and not sure how they got my information. I then proceeded to ask them to send me documentation with my signature showing I authorized this account. I was then sent a letter dated XXXX/XXXX/2017 stating that I failed to respond to a letter they sent previously and now the debt has been validated. I was never sent in letters stating that I allegedly had this debt and they failed to send documents with my signatures.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/21/2015 about Debt collection (Credit card) with UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: The nature of the complaint is that the creditor failed to respond to a debt verification request made pursuant to the FDCPA. The basis of the dispute is that complainant was a victim of identity theft. In XXXX XXXX Complainant 's ex-spouse open a credit card account with USAA in his name, and the Complainant was unaware that the credit card account was opened. The XXXX decree was granted at the hearing on XXXX XXXX, XXXX and signed by the judge on XXXX XXXX, XXXX. XXXX days prior to the final order dissolving the marriage Complainant 's ex-wife transfers balances from XXXX of her credit card accounts to the USAA account. 
The complainant became aware of this once the balance showed on his credit report. He immediately filed a police report with the XXXX XXXX XXXX, TX police department. The case is being investigated by Office XXXX XXXX. He also filed a complaint with the Federal Trade Commission. On or about XXXX XXXX, XXXX the complainant through his legal counsel sent a written debt dispute letter to USAA requesting verification of the debt and specific documents to authenticate the account application. On XXXX XXXX, XXXX USAA responded that the credit reporting issues were out of its control referred the complainant to the credit reporting agencies and failed to provide any verification of the debt. 
The Complainant is requesting debt verification and damages and reasonable attorney 's fees pursuant to the FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-04-2018 about Debt collection (Other debt) with ERC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: ERC ( Enhanced Recovery Company ) XX/XX/2016 - I called them about 8 months ago as soon as I saw this on my credit report, ( I didn't even know about it ) paid off this debt in full and the collection is still showing on 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 05/16/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (GA).
Issue: Trouble during payment process

Complaint: My home mortgage, serviced by  XXXX , was sold to  Nationstar i n  XXXX . Yesterday I received a letter from  Nationstar stat ing my home insurance coverage had expired and that they had started charging me for home insurance unless/until I provided them with proof of something else. In the past 21 years I have never had home insurance expire, have never had any coverage lapse for any reason. In fact, I verified with  XXXX  the policy that is in effect is reflected in their records and they told me this information was passed t o Nationstar. I believe Nationstar is   engaging in fraudulent business activity by knowlingly mis-representing the status of insurance when it buys mortgage servicing rights from another institution. The reason they are doing this is they are then forcing an insurance policy on the borrower, and that insurance is fro m one of t heir subsidiaries and from which they realize financial gain. Although I have contacte d Nationstar, and  also had my insurance agent send confirmation of coverage to them, I am awaiting my next statement to determine if I have been charged for any interim policy premiums.     I believe the CFPB should take a look at the business practic es of Nationstar and I think it will find violations of current federal law and regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2016 about Credit card () with CITIBANK, N.A. (NY).
Issue: Other fee

Complaint: Fake fees " XXXX XXXX '' where on bill. I call AmEx XXXX to remove charge. They refused. I canceled credit card and next month that charged me the same kind of fee again even after card was closed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01/31/2018 about Debt collection (Other debt) with Diversified Consultants, Inc. (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have a collection on my credit report from this company for {$150.00}. It states the original creditor is XXXX. I have service with them so this debt is not correct. I have had multiple companies add an account from XXXX and it is not valid. No letter or anything was sent. Just thrown on my credit with no proof. This error has messed up my home buying process. This is information is not valid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
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 being denied financing for " too many inquiries '' from TransUnion, I reviewed my free annual credit report from all bureaus for 100 % accuracy. I found that there were several unauthorized inquiries that I had no knowledge of and I submitted a written complaint to TransUnion requesting that they verify the accuracy of these inquiries that I did not authorize. After a few weeks, I called and spoke to Supervisor XXXX XXXX today who provided me with no relief in verifying the unauthorized inquiries. My account already has an active fraud alert to prevent future unauthorized inquires like these. The following inquiries were not authorized and I 'd like to see to it tthat they are removed or verified for accuracy. None of these companies received my identification or authorization to obtain my TransUnion report for any reason : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/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 06-06-2017 about Debt collection (I do not know) with Equinox Financial Management Solutions, Inc. (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I was reviewing my credit report and saw that a company by the name of XXXX XXXX XXXX was listed on my credit report stating that I owed XXXX XXXX XXXX {$3500.00} dollars. I was angry because I have never received any notification about owing any money to this apartment complex. I do remember living and moving from their complex back in 2013. I  disputed this claim on XXXX web and XXXX wesite and ask them to provide me from the collection agency proof of this debt and how I came to owe this but I have received nothing. Nether credit bureau will say how I actually owe this money they just keep the collection listed on my credit report not explaining what happen in the investigation There is no court documents or anything. I believe the reason why they have done this is because while I was living there the apartment had many housing violations and I filed a complaint against them with XXXX XXXX 's County Government, Property Standard Division. The inspector charged and fine them and they in return ask me to move and so I moved to where I current live now but prior to me moving here the XXXX XXXX XXXX manager lied on my verification form of my residency with them and stated that I was participating in criminal activity to hinder me from getting my apartment at the XXXX XXXX XXXX ; but it did not work because they lied and the manager did not believe them. So they have place this on my credit report in retaliation. I have documentation of all that I have stated I will mail the documents to you.

Company response to consumer: Untimely response
Consumer complaint received 12/14/2016 about Debt collection (I do not know) with Financial Credit Service, Inc. (VA).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: On XXXX XXXX, 2016, I received a voicemail from a number that showed as, " Unknown, '' on my caller ID. The voicemail was from a lady who said she was with XXXX XXXX XXXX XXXX and that she found my information in the federal database ( she had my full name and date of birth ) and that I was a co-defendant in a case with someone ( whom I have no connection to ... have never known the person ) and to call litigation services immediately. When I called the number I gave them the reference number and asked the name of their company. They said it was ARA, and that they were a company in XXXX, Virginia, and when I asked what that stood for they said nothing. They then told me that it was mediation services. They never told me that they were a debt collector but I received a call about the same person from a debt collector about a year ago that then removed my information. I was then transferred to another person who was, " handling the file, '' and that person told me the same thing about the company name. I then asked them what court my supposed case was in and the case number. The lady told me that she could n't give me that information. When I demanded it, as I was a supposed co-defendant in this case, she said that I did n't need to appear in court if I did n't know the person that they had called about. ( I searched through the XXXX XXXX court dockets and could n't find any such case with either person 's names ) I then asked for the company 's mailing address and she gave me a false address. I then asked her to remove my information from the file and she said she would not remove my information because I was a co-defendant.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have a parent Student Loan with Navient. I missed my payment in XXXX XXXX th receieved a bill for XXXX and XXXX for {$340.00} due by XXXX XXXX. I scheduled the payment online to be paid on XXXX XXXX in the full amount due charged to me banks account on XXXX XXXX. I have received 3 phone calls a day about a overdue payment. When I ask the rep wo check and see that I have scheduled full payment I am told that is their system. 

This practice amount to harrassment. Today is XXXX XXXX and I am still receiving the 3 calls Why are they allowed to harrass comsumers

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (KY).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: On XX/XX/XXXX I tried to access my checking account information and was in unable to get my information because my address was wrong, I have lived at the same address for 30 years. I went into the branch I have my account with and was told " someone '' had changed my address, the manager corrected my address but said he did n't know how it got changed. I was told by the manager that my address was changed on XX/XX/XXXX, I ask who changed my address he said he did n't know, he proceeded to tell me anyone can change the address on an account with out verification. I checked with another bank I deal with and was to there must be identification to change an address. I then contacted the Consumer Financial Protection. I contacted Chase bank again to find out why the misled me, which was a complete " joke ''

Company response to consumer: Closed with explanation