milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/18/2017 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: Old information reappears or never goes away

Complaint: XXXX is reporting a private student loan that is past the time that the debt can be reported to my credit file. The total due is {$5500.00}. I have not had a private student loan since I was in XXXX college ... which was XX/XX/XXXX-XX/XX/XXXX. IF this is that same debt, this debt is past the time it should be reported.

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 08/25/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I disputed with XXXX a XXXX XXXX XXXX account that appears in my credit file. I believe that the balance reported is incorrect. I believe that this account was paid and closed. I requested to Equifax to mail to me the account-level documentation used to confirm the accuracy of the information. For example, a signed contract, the terms of the contract, purchase and payment history, as well as the method used to compute the interest, fees and other charges applied to this account on a monthly basis.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I called  XXXX  who is the services my student loans multiple times to figure out why I have over  XXXX  late payments on my student loans. I explained to the agent that my loans were in forbearance and deferment which means I was not obligated to pay the student loans those times because my payments were put on hold for the forbearance. The agent agreed that in  XXXX  my loans were in fact in forbearance, but  XXXX  would not remove the late payments. The agent then proceeded to tell me to contact the credit bureaus to see if they can remove them or wait the  XXXX  years so they can fall off my credit report. I do not think it is right to penalize someones credit worthiness by putting late payments on their student loans when they were not obligated to pay due to forbearance and deferment. I contacted all three credit bureaus and asked if they can delete the late payments. They all declined and informed me that the original creditor would have to remove the payments. I feel as though this issue will never get resolved

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2017 about Credit card () with BARCLAYS BANK DELAWARE (AZ).
Issue: Billing disputes

Complaint: XXXX - the cellular service provider made a series of unauthorized charges. Attempts to contact and resolve failed as they did not pick-up calls and did not respond to emails ( receipt of which they acknowledged ). Few of the charges they credited back, but several remained unresolved. Barclays Bank, as instructed by them, was called and dispute and request for chargeback were made. The bank attempted to contact the merchant by phone but failed. As usual with that Bank - they DID NOT DEMAND DOCUMENTATION FROM THE MERCHANT. The bank, as I experienced previously, demanded from me that the account be closed and new credit card numbers be issued. That is not acceptable nor is it authorized way of resolving billing disputes. This bank does it for years and I experienced it many times. This bank does not follow Fair Credit Billing Act and their employees are trained to push back and force customers to declare fraudulent transaction by an unknown actor in order to force the change of the card number. That is neither true nor legal. 
The dispute and chargeback process has the ability to correct banks behaviour. Changing the credit card number punishes the consumer as this forces the change of card number in many other places where the consumer might have set-up recurring charges. 
The offense by the bank is not only in abusing FCBA, but also in machinations to delay the process. The dispute was setup on XXXX, on XXXX I received the denial letter ( without any documentation ) demanding that I authorize closure of the account - but the letter was dated XXXX, and the bank did not mail it until 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 monetary relief
Consumer complaint received 11-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Always paid on time paid account in full but still saying I was late when I was n't

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2015 about Debt collection (I do not know) with CITIBANK, N.A. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a notice from XXXX XXXX XXXX XXXX. today, XXXX XXXX for the first time and the notice is dated XXXX XXXX offering me Tax Season Discount Opportunity to pay account balance of {$8600.00}. According to the notice, Citibank was the original creditor. I have lived at my current address since XX/XX/XXXX and this is the first time I have been contacted about this debt. I also have a freeze on my credit since around XX/XX/XXXX and I have no collection on my credit report. I do not owe any debt that I have not paid. This collection agency failed to first write attempting to collect a debt letter. This collection agency failed to grant this consumer the opportunity to dispute the debt. This collection agency demanded payment whether or not this consumer in fact did owe this debt. I dispute owing the debt in question. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with PAYPAL HOLDINGS INC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: On XXXX/XXXX/2015 I purchased an item thru XXXX. XXXX withdrew the total amount from my checking account on the same day. This purchase was cancelled over the phone and XXXX credited my account on XXXX. Later on, I decided to purchase the item again and XXXX withdrew the money again on XXXX ... so, the item got PAID and it was received. I do n't know what kind of mess they have between XXXX and XXXX that 2 months later, XXXX billed me for the same item, with interest and late fees. I had never received a bill from XXXX so I called. They kept on transferring calls between XXXX and XXXX without resolving the problem ... XXXX promised to file a dispute, refund PaypalCredit and let me know. I received a second bill with more late charges ( please note, XXXX had already been paid because my checking account was linked to them ). I called again and after speaking with XXXX different people, finally I could talk to a supervisor who reviewed the account and came to the conclusion that if XXXX had paid for the item on XXXX, XXXX should not withdraw the money from my account on XXXX. She promised me that XXXX would refund XXXX, and that I would not owe them anything. I called XXXX and they told me that as soon as they received the money ( {$76.00} ) from XXXX, the account would be closed. A XXXX letter came in with more late charges, the bill was already over {$160.00} and I called them again. After speaking with XXXX or XXXX different people, a supervisor assured me that I would never receive a bill again because the problem had been resolved ; yet, she transferred the call to another XXXX Supervisor who confirmed that I would never receive another bill. At this point, I had already have a nervous breakdown. To my surprise, I received another bill today, XXXX/XXXX/2015 in the amount of {$200.00} ( again with late fees ). This bill is already in the Collections Department. Please note that I received XXXX item and I paid for it ( please see picture attached which is a screenshot from my bank account. Today I called again at XXXX Eastern Standard Time, and at XXXX ( XXXX hours & XXXX mn later ) I was still with them on the phone with both ( XXXX and XXXX, trying to resolve this issue. I spoke with XXXX different people - all of them asked me for my information over and over and over. Now they have all my private information, SS #, my bank information, everything! They kept on transferring the phone between XXXX and XXXX and can not resolve the problem. In the meantime, I am bombarded with bills and late fees for something that has been paid. Please contact them and help me resolve this issue. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Hiday & Ricke, P.A. (FL).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: This company has been known online to contact people concerning aged debts which they have purchased from other companies and are trying to collect on. These debts are mostly over 20-15 years old and they have been known to send letters to people stating they will collect and garnish wages. It is illegal to purchase aged debts from other companies and then treat them as if they are new debts. They know this and are preying on those who do n't know their rights. This company needs to be stopped. Here is a link describing some of their practices which include changing the amount of the debts owed on accounts : XXXX. They operate out of Florida with locations in XXXX, XXXX and XXXX XXXX. They had other locations but I guess those closed down.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2016 about Debt collection (Federal student loan) with Navient Solutions, LLC. (OH).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: I recorded a phone call that has just concluded and the woman from Navient notified me they would be putting a lien on a property that is not mine and will be siezed to collect on a student loan debt that was taken out over 5 years ago. They have been calling from the hours XXXX, even after numerous conversations I 've had with them after becoming a stay at home mother and full time student. At this time I have no income to pay this loan payment and now I 'm being threatened to be litigated? Absurd.

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2016 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (MD).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage was sold to US Bank over a year ago. My complaint is about what I believe to be tawdry efforts to cross-sell banking services by making it increasingly difficult to log in directly to the mortgage payment portion of their site. Presently, there is no way to get to the US Bank mortgage payment portion of the site. I am redirected to the US Bank consumer banking login, which does not recognize my login and encourages me to open an account or contact a customer service representative who then tries to get me to open an account. For the past several months, a series of redirects has prevented me from bookmarking the mortgage services page directly. The mortgage site is not listed in XXXX, suggesting the company has deliberately structured the mortgage service pages so that customers ( something of a misnomer in my opinion, since they bought my house and demand payment for the benefit of continuing to live here ) have to go through the banking page and, increasingly, must actively decline banking services with every use of this service.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Duplicate Navient student loan reporting on my XXXX credit report. One is reporting open with a balance and the other is reporting with a XXXX balance with the same account number.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with State Collection Service, Inc. (RI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: In XX/XX/XXXX I discovered a Collection Agency " State Collection " on my credit report ( XXXX ) claiming funds on behalf of XXXX XXXX XXXX. I contacted the Collection Agency XXXX XXXX / Supervisor ) to let them know my account is and has been paid in full since XX/XX/XXXX. XXXX told me this account would go to their " Client Services " for review. I also contacted XXXX XXXX XXXX ( XXXX ) to clarify this claimed account, and it was verified any debt ( s ) have been paid in full. I was told by XXXX XXXX XXXX to call State Collections back to let them know it was verified the account was paid in full, and they do not understand why I was submitted. Since then, this claim has not been removed from my credit report. I called State Collection again today ( XXXX ) and spoke with XXXX, and this time she gave me XXXX stories. The first story was they sent me an itemized bill on XX/XX/XXXX ( not received ) then she changed her story telling me they contacted XXXX XXXX XXXX but received no documentation from them. I immediately called XXXX XXXX XXXX back and spoke with XXXX, and she again verified I owe nothing to the hospital, and they DO NOT conduct any business with " State Collection '' and do not understand why they would be making this claim. I am at a loss of what to do now. I am not getting any results from either claimant.. Please advise ...

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2017 about Debt collection (I do not know) with Penn Credit Corporation (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: We keep getting repeated daily phone calls from a  Penn Credit Corp   XXXX . We DO N'T OWE anyone any outstanding debts period. We are both  XXXX  senior citizens, and as I said, we owe nothing to anyone period. How do we get these morons to STOP calling our home? If they are looking for a relative i.e. our daughter, who no longer lives with us has been gone from our residence for over  XXXX  years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Consumer Loan (Vehicle loan) with TOYOTA MOTOR CREDIT CORPORATION (MD).
Issue: Managing the loan or lease

Complaint: I was a co-signer on a loan that fell behind a few months. The auto loan was opend in XXXX and closed in XXXX. I have repeatedly ask Toyota Financial to remove the loan from my credit report as a courtesy so the late payments would not effect my credit rating. They keep reporting late payments even though the auto loan has been paid in full for almost 2 years. Just recent as XX/XX/XXXX, they reported being late 120 days past due. I have never been late 120 days nor did I open an investigation on this paid loan in recent months. They are providing derogatory information on my credit report that hurts my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with MRS BPO, LLC ().
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I believe this is a debt that I disputed in 2009 for cable services. 

I moved to the XXXX XXXX in XXXX of 2009 and asked to cancel my cable service in XXXX. 

I spoke with a representative at the time and was assured that this would be done. 

Sometime later, I was told that I owed for 2-3-4 months of service. ( I no longer have the documentation from this matter. ) I now have a {$140.00}. collection amount showing on XXXX my Credit Reports by MRS BPO, LLC.

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 08-11-2016 about Debt collection (Credit card) with Radius Global Solutions LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Former employer is making me responsible for business expenses incurred. I am not sure if expenses were due to fraudulent activity. Company would not give me statements. I sent Credit Card company payment for expenses I was responsible for. I am being told to pay expenses I DO NOT OWE. Company sent me letter if I DO NOT contest in 30 days I WILL BE responsible for amount. Please advise. Please help me protect my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2018 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Debt collector : Portfolio Recovery Associates, LLC Amount : {$860.00} Account number : XXXX Fraudulent account opened by a family member in my name when I was XXXX/XXXX years old. I am now almost XXXX and have been battling to have this unauthorized/fraudulent account removed from my credit report since I was XXXX. Originally creditor was XXXX XXXX. 
I have submitted fraud affidavit paperwork requested by PRA twice and in return they send me letters claiming the debt is valid and include a statement for the account from XX/XX/2012. 
I was married right after I turned XXXX and gave never opened up a line of credit in my maiden name. 
PRA has not validated this debt once in the entirety of their collection efforts, they send the last bill given to them via XXXX XXXX and say it's validated. They have not investigated this account and I've disputed it more times than I can count and they refuse to budge. They have once again sent me another fraud affidavit as well as another copy of the final statement from this account. 
It is causing wrongful damage to my Fico credit reports and scores.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2016 about Debt collection (I do not know) with F.H. Cann & Associates, Inc. (IN).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: XXXX has been calling my workplace. My workplace is a XXXX. Not only are these calls an embarrassing form of illegal harassment, but they are putting people XXXX in danger by clogging up the phone lines.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Deposits and withdrawals

Complaint: The tactics used by wells Fargo bank by placing holds on checks that freezes me from using my debit card and has mine account in over draft status. I have been with them for XXXX years and these are not standard banking policies. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with DISCOVER BANK (NY).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XXXX billing services has defaulted accounting practiced in the standard norms. I was provided internet XXXX XXXX by XXXX. I was supposed to have two year contract for their business. But I decided to move to a new place where I was n't provided the same quality services but different quality internet which was on repair status for one week. But then billing statement showed so many flaws .I had also reported to annual credit agencies who works harder with businesses to give fabricated credit report. This is to inform you that amount was charged fraudulently without my notice and permission. I will provide all documentation provided It is related to IRS as well as tax filing only after getting your response.

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2015 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have contacted Equifax and XXXX XXXX XXXX to remove an installment account from XXXX from my Equifax credit report. Equifax removed the incorrect item on XXXX XXXX, 2015 however placed the erroneous information back on my credit report XXXX 2015. XXXX did not probe that the debt belonged to me, so it was removed. Equifax told me that they can not remove XXXX because it was disputed before. I am requesting for Equifax to remove XXXX since no evidence has been give to prove the debt is owed by XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I recently received my free annual credit reports. On Transunion and XXXX, my name is incorrectly reported. It is misspelled. I tried to open a dispute on-line but this didn't work and I had to call the credit company. The credit company, XXXX, told me I had to have the bank fix the error. I recently tried to refinance my mortgage with XXXX XXXX XXXX and had a terrible experience. XXXX refunded my fees, but now I have to ask them to correct my name on my credit report? This seems very unfair as the relationship with XXXX is poor due to the refinance experience. Please help me to remove the misspelled names from my credit reports. My name is XXXX XXXX XXXX, not 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