milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/26/2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (IL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: It seems that Portfolio recovery refuses to send me proper documentation of my alleged debts even though I have disputed with them multiple times over the past XXXX years over these accounts and they continue to report these accounts inaccurately on my credit report. This has caused me multitude of grief from denied jobs, applications, high interest rates, the list goes on how this has personally affected me. 


I have disputed the account ( portfolio recovery ) multiple times with XXXX, XXXX, and XXXX multiple times. I have also disputed directly with the creditor asking for XXXX of the right for portfolio recovery to collect this debt and proof that the debt even belongs to me and portfolio continue to ignore my requests. 

I requested documentation from their files used to verify these accounts. Under the XXXX XXXX XXXX XXXX, I have the right to demand they disclose all of the documents they have recorded and retained in their files at the time of request concerning the account reported on my credit report. Simply sending back a letter saying verified does not fulfill that obligation. 

Who verified these accounts? How did they verify them and with what documentation? Were any of these documents signed? Where did these agreements come from? 

They absolutely refuse to answer any of those questions and therefore should remove this account from my report immediately. 

The only documentation I received was a {$0.00} balance letter and notification that the account was updated, verified, or that there was new information. A balance letter or statement does not qualify as verification per XXXX. This company is in violation for continuing to verify accounts without providing proper evidence and documentation as requested. It is my contention that Portfolio recovery can not properly tie me to these alleged accounts otherwise they would have done so when I made the initial request. XXXX is blatantly disregarding the law and with everything going on with these breaches I dont trust anything from them. Please delete this from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WI).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I have dealt with Navient ( and XXXX XXXX ) since I got out of School and have had nothing but problems with them. They range across the board for a number of things : - Inability to work with me on trying to lower my payments. - Placing my loans in forbearance instead of accepting lowered payment options that I could afford just keep charging me interest. - Hanging up on me when I tried to discuss my repayment or interest lowering options. - Refusing outright to remove my parents from my loan as co-signers even though I 've never had them make a payment on my behalf. <P/>This group of humans have made life for my family rather difficult over the past 10+ years since I 've had to pay my loans. I have gone through times of economic hardship solely because of the extremely high repayment of these loans. As an XXXX Veteran, I simply wanted to do better for my family after leaving the service and Navient is making that XXXX near impossible. I struggle week to week with paying everything because I have to pay them so much. I do n't want to call them because of what I 've stated above to I do some fancy footwork to make it all come together. But, in the end it exhausts you to no end when you ca n't even take your wife to a movie because you have to account for every penny so you can make sure you do n't get hit with a late fee from these jackalsXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with U.S. BANCORP (IN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XX/XX/XXXX I started the online process of an " auto loan pre-approval application. '' Through the process I decided not to continue, declined submitting of the application and closed out of the site. U.S. Bank still ran a hard hit on me which I do n't see how they could have done this even if I had gone all the way through because it was only for pre-approval. I spoke to someone on XX/XX/XXXX and was told it would be removed and that maybe if got to the point of no return and still somehow submitted something, but it is still on there. I am wanting to make sure this is removed from my XXXX report. 


NOTE for CFPB : My birth date is XX/XX/XXXX not XX/XX/XXXX like it keeps going to once I go to the next screen.

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 06-08-2015 about Bank account or service (Checking account) with REGIONS FINANCIAL CORPORATION (FL).
Issue: Account opening, closing, or management

Complaint: An employee stole my daughter identity and went to regions bank of XXXX and opened up a business account added my daughter and her self on the account my dauther had no knowledge of this bank address in where account was opened is XXXX XXXX XXXX XXXX XXXX fl XXXX contact person foe the bank that know what happen is XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Hello- I graduate XXXX with {$150000.00} in student loan debt in XXXX. {$110000.00} of that in federal student loan debt. I went straight to work for a non-profit hospital. I have worked at a non-profit hospital since my graduation 6 years ago. In XXXX I called Navient to look into the Public Service Forgiveness program, but was told because I was a XXXX and make good money I did not qualify. Many pharmacists that I work with were told the same thing. I had my federal loans go into forbarence because the $ XXXX payment was too much for a single girl living alone in a city to afford. Not until 2 years later did it come to my attention that the Navient representative in XXXX gave me bad information. I have now completed the paperwork for the Public Service Forgiveness program ; however despite having my employer sign the paperwork, the agency asked for my XXXX for review. I still have not been accepted into the program. I should have been given information on this program YEARS ago. I should be easily accepted now. But neither of these things are true. I believe Navient is to blame. To me they owe me 6 years of student debt forgiveness for steering me away from programs that could have helped me out of debt. This debt is a burden that means I have not gotten married, bought a house, or started a family because between myself and my partner, we owe {$300000.00} in student loans in our XXXX 's. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Since XXXX of XXXX Portfolio Recovery Associates harassed me at all hours in attempt to collect an alleged credit card debt I owed. I asked them to verify the debt for over a year and they just sent me a print out of a statement alleging I owed {$1100.00}. As per FTC opinion letter from Attorney XXXX XXXX XXXX, creditors/collection agencies should be aware that a printout of a bill or itemized document does not constitute verification. <P/>On XXXX XXXX, I decided to pay them the money to stop the harassment and delete the negative trade line off my credit reports. Till this day they continue to report more derogatory information on my credit reports such as reporting false account numbers and 120 day Iate payments. Given that PRA was acting in bad faith, and have not complied with federal and state laws, I have filed a Small Claims lawsuit on XXXX XXXX, XXXX against PRA seeking damages for Defamation, Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ), and Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ). We are set to appear at my local court house on XXXX XXXX, XXXX.

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. (UT).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax has mishandled my information, as well as millions of others, putting myself at risk for identity theft. I am listed as a potential victim on their site, equifaxsecurity2017.com.
They did not notify anyone until months after the breach, and they are not contacting the people whose information was leaked, instead they require the victims to check if their information was stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2017 about Debt collection (Federal student loan debt) with Navient Solutions, LLC. (DC).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint: Hi, I just received a bunch of emails regarding pioneer credit company calling people. They disclosed my personal information to at least 4 third parties, called my employer before XXXX ... more than once, I have the screen shots they sent. Because of this, they will not be asking me to work for them again they said. These credit people also called my younger sister, not a co signer or anything and someone from world bank. What the heck is going on? This is harassment and I could have ticked off ALL of the complaints for this company. All of this stress and illegal disclosures and I still have n't received any proof that this debt is mine.

I would like this company to stop harassing me immediately and to stop contacting me immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: Platinum MasterCard Account Ending in XXXX On XX/XX/XXXX I 've noticed for the first time unauthorized transactions on my account. Transactions from XX/XX/XXXX til XX/XX/XXXX from the merchant of XXXX were placed without my knowledge or consent. And from XX/XX/XXXX til today claim is still been investigated without any final decision. It has passed the 90th day of investigation process and also 2 statements after reported. I 've received only credit for unauthorized charges from months XX/XX/XXXX til XX/XX/XXXX. And i 've called 3 times to fraud department to check status. The information ive received over the phone is fraud department still investigating claim.And ill be hearing a resolution soon. And continue to received documents in the mail with also informing me working on claim .. This missing transactions that i have not received any credit is from all XXXX transactions from XX/XX/XXXX til XXXX .Also My account was at credit balance for a total of 2 billing statements after results of the transactions being reversed of the unauthorized transactions .Then Capital one sent me a check for the credit available in my account without any request.. then the fallowing statement capital one charges me for 1 transaction merchant had credit me already for and capital one had credit me for.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: i have received a loan modification and am up to date on my payments but i keep getting threatening phone calls, letters, saying i am not. i get harassed on a daily basis. finally they put me through to a supervisor who says the system is not updated yet. this has been going on for 3 months.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (IN).
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint: I applied online for a Citibank XXXX XXXX card. At the end of the process, I was NOT given an opportunity to approve the XXXX XXXX. Thinking that final approval would be contingent on my acceptance of some credit limit, to be disclosed prior to my final approval, I hit the " next '' button and received notice that I had been approved ... .. for a {$4600.00} credit limit. 
That amount is far below what I require. 
Therefore, I do not want the card. 
I have spoken with numerous departments at Citibank to no avail. 
In my opinion, no one should be allowed to complete a card application until they have seen and specifically approved the credit limit associated with the approval.

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 01/15/2017 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (TX).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: Wells Fargo makes it complicated and inconvenient to defer student loans with forbearance if you go back to school. You have to call them for everything unlike federal loans where you can do it online to " maintain '' or " manage '' your account. Unlike federal loans, Wells Fargo is a tedious process which requires signatures from school officials, and such forbearance form does not even guarantee forbearance because you have to continue making payments until the forbearance is approved. In order to get a forbearance because I am going back to school, I have to print the form ( cost time and money ), then fill out the form and get the signature from the school ( cost time and money ), and then mail or fax it back ( cost time and money ) and continue payments until approval ( cost time and money ). This is how they are also maximizing fees and payments if borrowers do not make payments because they are in school waiting for an approval, and are not able to work full, part, or on a contractual time. Wells Fargo has not improved in servicing borrowers so that student loan borrowers can manage or maintain their accounts.

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 04-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I SUBMITTED DOCUMENTATION IN REGARDS TO BEING A VICTIM OF IDENTITY THEFT AND SOME ITEMS HAVE YET TO BE REMOVED/BLOCKED OFF OF MY XXXX  CREDIT REPORT INCLUDING TWO HARD INQUIRIES ( XXXX, MADE ON XX/XX/XXXX, AND XXXX XXXX   MADE ON XX/XX/XXXX ) THERE IS ALSO A WELLS FARGO CREDIT CARD ACCOUNT THAT WAS FRAUDULENTLY OPENED WITH OUT MY KNOWLEDGE OR AUTHORIZATION. 

( WELLS FARGO BANK CARD ACCOUNT # XXXX, BALANCE {$1300.00} OPENED ON 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 11/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I am writing to dispute the following information in my file. I am disputing the following items : 1. XXXX pulls XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX are inaccurate because they are duplicative. I only authorized 1 pull on my credit report.
2. 2 XXXX late payment marks are duplicative- they represent the same payment/lender agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I filed a dispute with Transunion concerning an account from XXXX that was on my credit report that did not belong to me. The account I disputed is listed as : XXXX XXXX XXXX XXXX # XXXX It has been over 30 days since I originally initiated the dispute online. Transunion sent me an email stating the investigation was complete and I was allowed to look at my updated credit report online. When I pulled my Transunion credit report, the XXXX account was still reporting, only this time there was a statement that read : " The following item is suppressed pending credit grantor update '' pertaining to the XXXX account. I called a Transunion representative and inquired about this, in other words, what does this mean? The Transunion representative stated that this meant I was the only one that could see the XXXX account, no other creditors would be able to see this. I asked him if my investigation was complete and he said " yes. '' I asked him to please remove the account and he said he could not, that it has to stay on my credit report for 7 years. This is unacceptable. XXXX needs to either verify that this account does indeed belong to me or simply delete the account. That 's what is stated in the FCRA. No where does it state in the FCRA that an account can be suppressed pending credit grantor update after the 30 days has taken place to complete an investigation. Transunion has had more that 30 days to complete my investigation. Please advise them to delete this account from my credit report since XXXX did not verify this account within the 30 day time frame allowed by law.

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 03/27/2015 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Apparently I have old debt that I never could pay off. It has been atleast XXXX years and I am still getting calls from Portfolio Recovery.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/21/2016 about Consumer Loan (Vehicle lease) with U.S. BANCORP (ID).
Issue: Managing the loan or lease

Complaint: I have a lease with US Bank XXXX, I moved to Idaho from Arizona, it took me 10 plus phone calls and 2 trips to mvd to finally get them to release the title to the state of Idaho. This process took over 2 mths. A month later my stmt shows a fee of {$25.00} for title transfer. I called US Bank, they read through my file and cust serv rep said since they put me thru so much of a hassle they would waive the fee. A mth goes by, my next stmt shows the fee again. Again I call same response, we are sorry we will waive the fee. Another mth goes by, fee still on my mthly stmt. I give up and wait until my lease is nearing term, I call again, now I get another cust serv rep mgr ( who I asked for ) I explain my situation, they said they can see all I went thru to get the title work transferred but the fee is legit since they did transfer the title to the state of Idaho. I told them they promised to waive the fee twice and it never got taken care of. Cust serv rep mgr told me they are not going to waive it unless I have a written stmt from them stating that they were going to waive it. This conversation escalated into myself getting very angry, the rep was rude and told me that they will never waive the fee now! I told her I will NOT pay it and they better not put anything negative on my credit report. I have a XXXX plus score with excellent credit, I should be a customer they want to retain but this is how they treat their sat paying customers? This is a scam ... ... ..

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 04-04-2017 about Money transfers (Domestic (US) money transfer) with RIA FINANCIAL (CO).
Issue: Fraud or scam

Complaint: Thought I was talking to my cousin and he was telling me about getting grant So I did it and they needed some funds for shipping and clearance

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2016 about Debt collection (Medical) with Receivable Recovery Services, LLC (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I disputed this dept on my credit report on XXXX XXXX, 2016and on XXXX XXXX, 2016 the company responded to my dispute as verified so I call the company on XXXX XXXX, 2016 at XXXX I asked the representative about the dispute and why is it not being reported on my credit report as a medical bill instead of placed in collection. The representative asked me why was I disputing this account anyway, I advised him that the insurance paid this account. I also asked the representative what was he advised when they contacted the medical center to validate the debt, he responded with they do not have to contact the medical center with whom the original debt was made to validate it. According to 15 U.S. Code 1692g - Validation of debts paragraph ( A ) subsection ( 4 ) the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; The representative advised me " You needed to research the laws a little better before you start quoting laws to him ''.

Company response to consumer: Closed with explanation