milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/21/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Pleas be advised, I am requesting that Midland Credit Management INC reporting debt needs to deleted from my credit profile it needs to be removed due to inadequate valid reporting of me having a signed contract with them. I clearly have no financial obligation with the company, and by law they need to be removed from my credit report profile. By law a collection agency can not report a debt to the credit bureaus which has not been validated and I have addressed the needs to this company over and over for a whole year and the problem at hand has not been corrected. Again, I do not have a financial obligation with those company listed. Do not confuse Verification with validity. I have proof where I have sent this company lawful notices of FDCPA SECTION 809. Validation of debts [ 15 USC 1692g ] Midland Credit Management Inc has failed to respond to my disputes within a timely manner, with a proper response. 
XXXX XXXX ( the consumer )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-03-2017 about Debt collection (Other debt) with Amsher Collection Services, Inc. (MN).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Call  amsher  and told them that I would like to have verified this account bearing my signature as I was on the phone the people there were  rude  will hang up once I called called to get account number they will not give there supervisor  XXXX  I believe the name was very rude as I ask her to send me something bearing my signature as well and she refused and hung up the phone. To Whom It May Concern : This letter is regarding account #  XXXX  which you claim my account was charged off $ This is a formal notice that your claim is disputed.     I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have  ( or ever had ) some contractual obligation to pay you. My reason for disputing is : my contract was canceled. Please also be aware that any negative mark found on my credit reports ( including   XXXX   XXXX   an d   XXXX    ) fr om your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.     Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.   Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section  807-8 )  You will be required to appear in a court venue local to me, in order to formally defend yourself.   For the purposes o f 15 USC 1692 et se q., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims.     Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.       P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.   C onsent to publish the description of what happened? Consent provided This is about a ( n ) Debt c ollection :  Other ( i.e.  phone, health club, etc. ) Which of these best describes your issue? False statements or representation : Attempted to collect wrong amount  DESIRED RESOLUTION

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: For years they told me I could not get a new interest rate. I was in deferment for a while and I feel that they have misinformed and applied my funds. I am a XXXX and I have XXXX for 13 years at XXXX that qualify you for the {$5000.00} off. I sent in the paperwork and was denied. They said I took out a new school loan, when all I did was consolidated with them as they told me to almost 15 years ago. I just applied for the XXXX forgiveness in 2016. They could not explain why. Please help me! Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2015 about Consumer Loan (Vehicle lease) with OCWEN LOAN SERVICING LLC (CA).
Issue: Problems when you are unable to pay

Complaint: I leased auto from GMAC back in XXXX for about XXXX year lease. I lost my job and was unable to continue making payments. GMAC took me to court and repossessed the vehicle. They are continuing to report this account after the passed XXXX year limitation. They seem to modify the date of this account to prolong this account as active. If you look at the account they have not updated this account until I made contact with them for status of this account. The are still operating under the name of GMAC when in actuality they are now XXXX Bank which is deceiving within itself as a corporation.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: On XXXX/XXXX/2015 an online dispute was initiated by me with Equifax, concerning a collection reporting by XXXX XXXX XXXX an amount of {$6700.00}. The investigation was completed by Equifax on XXXX/XXXX/2015. Only 2 days. This led me to believe that a proper investigation into the facts were not done by a human, and the results of this item remaining on my report were all computer generated. I filed a XXXX dispute via telephone on XXXX/XXXX/2015. I asked the agent if any documents were sent by XXXX XXXX XXXX to counter my arguments and documentation from the XXXX dispute. Her response was " NO ''. The agent also assured me that the collection agency will definitely be required to send documentation the next time. This XXXX investigation was completed on XXXX/XXXX/15, only 1 day. They claimed that the debt was verified, and remained on my credit file. I called Equifax again and requested the documents that were sent by the credit collection agency to disprove my information. The agent, ( who would not give me her last name, or the location of the office she was working out of ) informed me that I was not allowed to know what the collector sent to disprove my information. I then requested to speak to a Supervisor. I was connected to XXXX XXXX from the Equifax office in XXXX GA. XXXX XXXX XXXX told me that I was not allowed to know the information that was sent by Resident XXXX XXXX that supposedly countered my arguments for the incorrect reporting. He also said that his agents are trained not to supply a consumer with their last name or office location. I found this highly disturbing due to the fact that these employees had access to all of my personal information right at their fingertips. I also informed him that no documentation was sent by the collection agency to refute my claims during the XXXX investigation, and therefore the this negative information should have been removed. XXXX XXXX continuously insisted that the debt was verified and reporting correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with PAYPAL HOLDINGS INC. (NJ).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: Paypal is preventing XXXX XXXX XXXX from issuing to me a credit of {$500.00}. 
Paypal is dragging its feet since XX/XX/XXXX, and claiming that they have 75 days to resolve the matter even though XXXX XXXX has told Paypal on XX/XX/XXXX that XXXX has closed its investigation into the matter. 
The transaction was original processed by Paypal on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2015 about Bank account or service (Checking account) with PNC Bank N.A. (OH).
Issue: Using a debit or ATM card

Complaint: XXXX XXXX Debited {$100.00} Out Of My Checking Account Without My Permission. For A Membership. A Dispute Was Filed On XXXX/XXXX/2015 And The Amount Was Credit Back To My Account. P N C Bank Is At Fault When They Put A Re : Debit Back On My Account In Which A Negative Charge Appeared On My Account. Which P N C Bank Reversed A Transaction Back To My Account. Which Was Disputed. P N C Bank And XXXX XXXX Are At Fault. And I Want The Account Closed

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2016 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX XXXX XXXX can get away with identity theft to alter documents and sell that loan with the altered documents

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2017 about Mortgage (Conventional fixed mortgage) with PENNYMAC LOAN SERVICES, LLC. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: PennyMac, the mortgage company that services me refuses to report my payment history to the Credit Bureaus XXXX, XXXX etc.. 
my loan number is XXXX the address is XXXX XXXX my name is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2017 about Consumer Loan (Vehicle loan) with VW Credit (PA).
Issue: Managing the loan or lease

Complaint: I have n't received a statement of my account with Volkswagen Credit since XX/XX/XXXX. When I reached out to them online, I received the response below. It appears that because I overpay every month, they think it is n't necessary for them to issue a statement. I have no way of having a monthly record of my payments or knowing my current balance on the loan without a statement. I believe this violates some statute or regulation, since I receive statements on all of my accounts which I overpay. Here is my message to them and their response ( their response is first, my original is below ) : Response on XX/XX/XXXX XXXX CST : Thank you for choosing Volkswagen Credit. We strive to provide quality customer service to ensure your satisfaction. 

Thank you for your inquiry. We apologize for the delay in response and appreciate your patience. 

Thank you for your always timely payments! We appreciate your excellent payment history! 

Any additional funds received on your account will automatically be applied toward your next due date available and the principal balance of your loan. Please be aware that the monthly statement will not generate when the full amount of the invoice has been prepaid. Our records indicate that your account is currently paid in full through XX/XX/2017. If you would like to have a payment applied to your principal balance only, please contact a Customer Care representative by phone. A Customer Care representative can have the additional money applied towards your principal balance as a one-time transaction and not a repeating transaction. If you would like any additional future payments applied towards your principal, you must contact a Customer Care representative by phone. 

If you would like us to create and send you manual billing statements, please provide us with the method you would like to receive them ( mail/fax/upload to online account ) and the months that you would like these statements for. 

If we can be of assistance in the future, please do not hesitate to contact us again through My Account or contact our Customer Care department at XXXX, XXXX, XXXX. Eastern. 

Sincerely, Volkswagen Credit Customer Care Original Inquiry on XX/XX/XXXX XXXX CST : Why do I not show any statements on this account since XXXX? I 've been making payments, and would like to have statements for every month. Why would those have stopped? Please provide me with all of my statements since XX/XX/XXXX. Thank you. 
Your Follow-up :

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2016 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I opened an XXXX XXXX Business credit card account as a member of an LLC ( XXXX ). I was told they needed my social security number due to the Patriot Act. The LLC became insolvent, and XXXX XXXX called me saying it was a debt I personally owed. After no less than 10 conversations asking them for documentation to support this when I told them I did n't sign for that, they continued to say they would " send what they have '' but instead sent me to collections. They continued to mislead me with their intentions until I was contacted by a collection law firm. I had to hire an attorney, pay court costs, even pay to fly to a court hearing since I no longer lived in the state the account was opened in. My credit was damaged, getting me denied for home rental for my family. The judge agreed with me as they had no documentation, and finally about 18 months later my attorney and the law firm representing XXXX XXXX agreed on a dismissal with no further ability to attempt to collect. I sent all credit bureaus a copy of the order signed by the judge, and XXXX and XXXX removed the account from my personal credit report. Equifax, is still being told that " it 's my debt '' by XXXX XXXX even though it 's dismissed, I was found not responsible, and I never signed anything saying it was my responsibility. It is still damaging my credit. How can they continue to report this with no supporting documentation from XXXX XXXX even though they HAVE documentation from me proving that it should be removed? How can they say " they have no control '' over what they report?

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Account  XXXX  of  XXXX  Profile COMPANY -  XXXX   XXXX   XXXX  - LOAN TYPE - Other - ACCOUNT NUMBER -  XXXX  - ACCOUNT HOLDER - Individual Account - DATE OPENED -  XXXX ,  XXXX  - Status STATUS DATE -  XXXX ,  XXXX  - CONDITION - Open - LAST ACTIVITY -  XXXX ,  XXXX  - BALANCE - {$6900.00} - STATUS - Charged off as bad debt - This is not my acccount. Please provide details of your investigation of how you determined this was my account in which it is NOT.     Also the account shows as an open status but yet says charged off as a bad debt. This is false inaccurate information. It should be removed. This is a fraudulemt account and plus its reporting incorrectly. Remove it.           Regional Finance - LOAN TYPE - Other - ACCOUNT NUMBER -  XXXX  - ACCOUNT HOLDER - Individual Account - DATE OPENED -  XXXX ,  XXXX  - Status STATUS DATE -  XXXX ,  XXXX  - CONDITION - Closed - LAST ACTIVITY -  XXXX ,  XXXX  - BALANCE - {$0.00} - STATUS - 60 days past due How is the account 60 days past due but has a  XXXX  balance? This is a paid in full account. Delete the tradeline. You can not report information that is incorrect. It is a paid in full account that was never late. Delete this false information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: Transunion is not reporting an account on my credit report that is in excellent standing I have requested this account be put on my credit report. The account is XXXX. Having this account report would help my credit score

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 10-12-2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (LA).
Issue: Loan servicing, payments, escrow account

Complaint: My mother died and I did not know she had a mortgage on her estate. When i found out about the mortgage i immediately contacted the mortgage company to make a payment. They informed me that I was not the executive of estate due to the fact they can not talk to me. Thereafter I became the executive of estate, then they requested documents death certificate, will, utility bills my birth certificate so on an so forth. By that time The mortgage company XXXX informed me that the estate was in foreclosure. That there was not a payment in a year. I panicked for a moment. I asked what is it that I have to do to stop the foreclosure. XXXX informed me that I had to fill out a Loan modification packet. I did over a dozen of Loan Modification packets. XXXX informed me that I was denied a Loan Modification because I was not residing in the house which the utility bills had the address of the estate. By that time XXXX had sold there Company to XXXX XXXX. Then we had to start over again. At that time I had all the documents XXXX XXXX XXXX requested at that point XXXX and XXXX XXXX was at fault for over charging minority. Then XXXX XXXX XXXX sold there Loans to Greentree. At that point I had to start over again they did not have any documents from the previous Companies. How can you determine if my mother owes on a loan if you do not have any documents that I summited. Well after I summit all the documents that greentree requested. Greentree always said that XXXX document or another. I played alone with that game for about two years then Greentree informed me that they was merging with DiTect at wits end.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Blakely-Witt and Associates, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: A collection agency is reporting that I have an outstanding debt from an apartment community, dating back to 2012. I contacted the collection agent to pay off the debt, but they were asking me to pay more than the amount that was reporting on my credit report. I have asked the collection agency for a detailed itemization of the charges they are trying to collect, because I do not think I owe as much as they are asking for. Unfortunately, they will not provide me with that information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: Transunion has fail to provided me with dispute results on time

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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax did not properly secure my credit report information. My information was on the list of hacked information and I am very angry they did not take care to safeguard my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: experian has closed out an investigation and improperly verified again a false certification see cfpb XXXX and refuses to investigate this fraud.

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 01-10-2017 about Consumer Loan (Installment loan) with CREDIT ACCEPTANCE CORPORATION (MD).
Issue: Taking out the loan or lease

Complaint: XXXX XXXX stated contract was voided. Credit Acceptance Corp on XX/XX/2016 opened an installment account without my consent through XXXX XXXX XXXX. I was unable to provide deposit in the amount of {$1500.00} as required to include paying off XXXX red flags on my driver license. Dealership would not accept a promissory note. Credit Acceptance Corp et al XXXX XXXX stated contract was purchased on XX/XX/2016 by a third party. Again, on XX/XX/2016 Credit Acceptance withdrew monies without authorization. All authorizations were revoked associated with that account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BARCLAYS BANK DELAWARE (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I called Barclay Bank and told them that i did not do that inquiry for a credit card and asked them to remove it asap and they sad no.

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 12-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PNC Bank N.A. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I was in Hurricane Irma, and many banks gave consumers the option to miss a car payment and they would add it to the end of the loan. 
I did this with PNC Bank and they still reported my credit with a late payment. 
I called their offices and they said they would fix it, but now I am trying to apply for a mortgage and they never fixed it and brought my credit down 60 points.

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I got a phone call from XXXX XXXX for a past due amount on my internet bill. I promptly paid them and have a transaction number of # XXXX for the total amount of the payment.

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