milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-12-2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (NJ).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: Re : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX is once again sending me collection notices for an account that was closed/written off/closed in XXXX. The statute of limitations for both Michigan and New Jersey is six years. More importantly, XXXX XXXX XXXXXXXX, XXXX is in violation of the Fair Credit Reporting Act ( FCRA ) which prohibits the practice of re-aging the cut off date of this closed account. 

I have notified XXXX XXXX XXXX XXXX of this and through the three credit reporting agencies dispute resolution process. As a result, there is no further purpose to communicate with this company other than through the credit reporting agencies or through my attorney as it is unambiguously clear that XXXX XXXX XXXX XXXX is in violation of the Fair Credit Reporting Act ( FCRA ) as I received another letter dated XX/XX/XXXX and my credit report ( s ) still shows current activity from XXXX XXXX XXXXXXXX, XXXX. 

To restate, once the cutoff date has expired, XXXX XXXX XXXX XXXX is not legally permitted to pursue payment of any assumed debt. Nevertheless, XXXX XXXX XXXX XXXX continues to park this debt on my credit report, call my cellular phone and send me letters. 

Today, I contacted XXXX and discovered that XXXX XXXX XXXX XXXX continues to place inquiries on my credit report, re-ages and re-parks the assumed debt, for which I placed a fraud alert with XXXX. 

The purpose of my contacting the FTC is to seek assistance in stopping XXXX XXXX XXXXXXXX, XXXX from inputting fraudulent information on my credit report. Once again, there is no reason to contact XXXX as the account was closed/discharged in XXXX and well beyond the statute of limitations. Please help me with this malicious and predatory company. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2015 about Debt collection (Credit card) with Van Ru Credit Corporation (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Van Ru Credit Corp is continuing drastic collection tactics to collect for a debt I do not owe. I receive Social Security and they are threatening me. I need protection from them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/30/2018 about Debt collection (Credit card debt) with CL HOLDINGS LLC (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX DEBIT CARD XX/XX/XXXX {$1700.00} XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX On XX/XX/XXXX I spoke with company on XX/XX/XXXX the company verified they received returned mail saying the mail was un deliverable. I never received any documentation regarding this account and I have disputed with company. The are reporting information that is incorrect. I would like account removed from my credit report. I never received any right to dispute account from this company. XXXX XXXX at XXXX XXXX XXXX. spoke with her on XX/XX/XXXX at XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/13/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: On XXXX XXXX, 2017 I stopped by the XXXX XXXX XXXX branch located at the XXXX XXXX XXXX off XXXX XXXX of the State of Maryland to open a New Account. Unfortunately, I could not open the account because of some issues they claimed that I have with the Bank of America five years ago. I will like your intervention to know what the issue with the BOA after almost five years preventing me of opening a New Bank Account with XXXX XXXX and any other banks. Thank you for your anticipated assistance. Yours truly, 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 explanation
Consumer complaint received 07-07-2016 about Credit card () with CITIBANK, N.A. (AZ).
Issue: Customer service / Customer relations

Complaint: XXXX consolidated my XXXX XXXX XXXX cards into XXXX called the CITI Card. 
The CITI card has a higher balance than the XXXX combined. I want to discuss this with them, BUT THEYXXXX WILL NOT ANSWER THE PHONE. I am not certain if XXXX XXXX XXXX card are owed, as well.

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 08/13/2016 about Credit card () with BARCLAYS BANK DELAWARE (DC).
Issue: Other

Complaint: Dear Sir. I have applied for a Barclaycard Cash Forward Credit Card to Card Services, XXXX. XXXX XXXX, XXXX, DE XXXX ; My Application XXXX was rejected on XX/XX/2016 on the grounds " Too many new accounts opened ''. First, this is not a valid reason for rejection. The real reason for the rejection is discrimination on the grounds of age, race, religion and national origin, specially since I was invited to submit my application based on my credit report. However, when Barclaycard looked at my full profile, they were moved to discriminate against me based on their prejudice. The denial of this credit is, therefore, in violation of the U.S. Laws against Discrimination. CFPB is hereby requested to take action against Barclaycard for the violation of the Law. Thanks.

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 12-05-2015 about Credit reporting () with EQUIFAX, INC. (MT).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I am writing to dispute the status and terms of a student loan I used to have. The is listed on my credit report as XXXX XXXX XXXX by XXXX. It has an account number of XXXX and the associated telephone number is XXXX. The amount is currently listed as {$7300.00}. When I call the number detailed on my credit report, a representative answers with " XXXX XXXX XXXX. '' When I give them my social security number, they have no record of a student loan and they tell me I have to contact the servicer. Yet they are listed on my credit report as the servicer. It is like a circular nightmare. I have no loan of any kind for any reason with a balance at this time. While I did have student loans that XXXX XXXX may have purchased in the past, those loans have since been paid in full to subsequent purchasers. XXXX XXXX is responsible to update the credit reports with accurate information rather than just leave negative things on people 's credit report. Furthermore, a person can not correct this problem if you call the creditor 's number listed on the credit report and they have no record of you ever owing money. It 's a dead end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/20/2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I was working with a mortgage lender to apply for a home loan. When my credit was pulled it showed another social security number that does not belong to me. I have asked the credit bureaus to remove the SSN from my credit report but they keep asking for the same documentation. I am unable to provide a social security number I have provided them my Individual Taxpayer Identification Number along with my tax returns, utility bills and my translated birth certificate. I would greatly appreciate your assistance to help me resolve this issue. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2017 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Billing disputes

Complaint: Although I had available line of credit {$3700.00} I attempted to make a purchase in the amount of {$840.00}, from XXXX and the purchase was declined. According to XXXX Bank of America ( BOA ) denied the purchase. I immediately contact BOA and asked why the purchase was cancelled or declined according to BOA they had no knowledge of the declined although I had a copy of the cancelled purchase order. BOA referred me back to XXXX. After going around in circles I immediately cancelled all purchased with XXXX and again reached out to BOA and explained the problem. BOA then placed an hold on my account in the amount of {$840.00}, and refused to removed said hold denied use of my full line of credit. BOA claimed the hold would drop off within 48 hrs. The hold was still on my card a week later, I again reached out to BOA explained I did not make the purchase, I wanted to use my entire line of credit and asked BOA to remove hold which they refused. 
The BOA placed the actual charge on my card and charged interest for the purchase and still refused to remove said charge with full knowledge I did not place the order, the order was declined and no merchandise was delivered.

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 09/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TD BANK US HOLDING COMPANY (OH).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I contacted Target Target/td XXXX XXXX, SD XXXX ( XXXX ) XXXX On X/XX/2017, and reported fraud to Target regarding a hard inquiry made by someone who stole my identity. They noted the fraud and confirmed it but have still not removed the hard inquiry from my credit as required by law and even though they, nearly a month ago, confirmed it was fraud. It is adversely impacting my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/19/2018 about Debt collection (Other debt) with Hunter Warfield, Inc. (FL).
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint: this account was opened in some one else name they pull my credit three times without my knowledge! HUNTER WARFIELD

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2017 about Debt collection (Credit card debt) with CITIBANK, N.A. (NC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The complain XXXX has been closed out and they continue to call. Their comments admit an address change was done wrong and their fault and will Be removing late charge, so stop calling. I finally got a bill today and mailed my check.

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 Mortgage (Conventional home mortgage) with Neighborhood Assistance Corporation of America ("NACA") (GA).
Issue: Closing on a mortgage

Complaint: Hello, We members of Naca.com ( XXXX ) have been trying to close on a house going on 60 days. It is not our fault Naca people keep inputting the wrong information in our file every other day. No one at Naca is fully reading our file and updating it correctly. We are out of extensions and now in a hotel ( family of XXXX and XXXX dogs ). Our lease was up on XX/XX/XXXX. I need your help please. We are about to lose our " Earnest Money " to. This is out of the XXXX office. Our mortgage counselor is XXXX XXXX who went Ghost on us last week. The office manager is suppose to assist us and is not doing a good job at getting us a closing date. HELP.. The XXXX XXXX XXXX is our lending company. <P/>XXXX XXXX XXXX NMLS # XXXX NACA Neighborhood Assistance Corporation of America XXXX XXXX XXXX, XXXX XXXX XXXX , Georgia XXXX www.NACA.com America 's Best Mortgage! <P/>Regards, XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Opportunity Financial, LLC (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: First of all I am a veteran so I cant get payday loans. Look me up. Also I have provided the police report number, told them to retrieve since they are the ones whom did this to me. Also where is my actual signature. Electronic signature I would never do that for a loan. 
2nd this person was awfully rude. Unbelievably rude. 

That is not my bank if you must know. I go to a well known bank which I wo n't be giving any information because I still do not know whom this company is. 

Because I do not know whom you are. The number you gave me was out of state. Now you are being incredibly rude to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2017 about Debt collection (Medical debt) with AR Resources, Inc. (FL) (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On  XXXX   XXXX , I contact AR Resources  ( Add ress :  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX , PA  XXXX  Phone : (  XXXX  )  XXXX  ) to request documentation regarding  XXXX  charges they posted to  XXXX ,  XXXX , and  XXXX . I did, however, provide the  XXXX  account numbers appearing my credit report, and the agent stopped me after the  XXXX  digit and confirmed the account numbers are not real. I responded, then why is AR Resources provided fake account numbers to the credit bureaus, me, and everyone else with access to my credit file, and I was informed that they would not discuss the matter with me unless divulge my full social security number. The rep told me they already have it anyway because that is how they were able to post the accounts to the credit bureaus, and I told him, I do not think it is proper for me discuss anything without ( a ) an explanation in hand on what I am being charged for and why, ( b ) and that I personally aware of how things can be reported with inaccurate socials, DOB, and names.     I also informed them that the debt was covered under a  Letter of Protection accepted by the original creditor, and I am in constant communication with  my attorney who has not informed me that my case is closed, or of his unwillingness to continue representing me.     Additionally, health insurance was provided at my initial visit to the actual creditor :  XXXX   XXXX   XXXX  and  XXXX  (  XXXX  ). Neither  XXXX , or AR  Resources  attempted to contact me regarding the debt, though my address and phone numbers are in my credit file, and the date of service was actually in  XXXX , but they are falsely indicating that the account open date is  XXXX / XXXX / XXXX .

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: XXXX is attempting to collect a debt with very little validation. I received a bill that I have no knowledge of. I believe this is identity fraud. Trans Union assisted XXXX by continuing to report this negative information without proper investigation. 

I decided to go and do research through the secretary of state ( Texas ) as of XXXX ( XXXX ) XXXX does NOT have an " ACTIVE '' BOND to collect debt in the state of TEXAS. This is a huge violation. 

Section 392.101 of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State.

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 08/13/2015 about Consumer Loan (Installment loan) with GVA Holdings, LLC (OH).
Issue: Managing the loan or lease

Complaint: I wanted clarification on the OH installment loan laws. I recently got a {$400.00} loan but am having to pay back a total of {$2800.00} ( which includes a {$2400.00} finance charge ). Is this even legal in Ohio? I wanted to double check before I start paying almost {$3000.00} on a {$400.00} loan. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (IN).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I have two private loans with Navient. 1st : Amount : XXXX -date account opened : XX/XX/XXXX -original loan amount : XXXX 2nd : Amount : XXXX -date account opened : XX/XX/XXXX -Original loan amount : XXXX I have tried talking to them, to possibly get my minimum payment down on each private loan. They have only offered me a minimum of XXXX on EACH loan, total XXXX a month ( as that is the lowest they will go ) and another Option they asked, " is there a family member you can borrow from and we can settle on both of these accounts for XXXX ''. REALLY ... No, My family does n't have XXXX laying around to help ( unfortunately, especially since my father is a retired-veteran from the XXXX XXXX ). I will be able to send a copy of my father 's XXXX doc from the service. I have been making Payments of what I can of XXXX a month on each loan ( I have attached multiple docs/pictures of everything listed ). They have been hitting my credit report Twice .... each month for the past year. I 'm a working mother of XXXX childern and I will never be able to purchase a home if this continues. I feel like I 'm at a dead end. Every payment that shows on my account only pays for my " fees '' and/or interest. They clearly seen that I have filed forbearance on these, multiple times. Not to mention I consolidated my Federal Loans and switched to XXXX XXXX ( extememly helpful ), as XXXX XXXX helped me on an income repayment plan, which I qualify for XXXX a month ( attached is proof of reduced repayment plan from XXXX XXXX ) as I have XXXX children, and XXXX of my children is active in college.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section XXXX XXXX ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2017 about Debt collection (Auto) with NISSAN MOTOR ACCEPTANCE CORPORATION (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They call 4-5 times a day everyday for a payment that is not even 30 days late and continue to call even after the payment is in process online. They are very insitant that you make the payment while on the phone with them immediately and continue to call even if you give them a date you can make the payment again not even 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2017 about Debt collection (Medical debt) with United Resource Systems, Inc (CO).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Was recently served by XXXX XXXX XXXX group representing united resource systems. They violated the fdcpa by not sending me any inital letter to dispute account. I disputed the account from day one with the original creditor. Also when i noticed the account on my credit reports i disputed the account which was then removed from 2 of my reports due to failure to verify. Even then united resource systems did not send anything violating the fair credit reporting act. Also they are trying to collect after the statue of limitations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My complaint is against XXXX : On XX/XX/XXXX an auto loan was issued to me from XXXX. Due to a miscommunication, the loan was not paid for a period of time and was repossessed, but redeemed within a 24 hour period. The loan was paid in full as of XX/XX/XXXX and the account at XXXX was closed. <P/>In XX/XX/XXXX when applying for another auto loan it was brought to my attention that XXXX were reporting the current status on the XXXX loan as " repossessed '' and was reporting various inaccurate " late payment '' marks from multiple dates from XX/XX/XXXX-XX/XX/XXXX after the account had been paid and closed. In speaking with XXXX, they reported that they had not been reporting any late payments since closing the account. Three separate disputes were filed with XXXX ( completed on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) to correct these inaccuracies and each time the current payment status remained " repossessed '' and the late payment marks remained inaccurate. Each time a dispute was made and completed, the pattern of late payments changed as well, although was still reporting dates after the account had been closed ( See attached : XXXX Credit report filed XX/XX/XXXX ). <P/>As of today, XX/XX/XXXX, XXXX is reporting there were two on-time payments made in XX/XX/XXXX and XX/XX/XXXX and one missed payment in XX/XX/XXXX ( See attached : XXXX_Experian Screenshot XXXX ) Note : Inaccuracies are also reported in the same way from XXXX and Experian credit reports, although when comparing them the payment history does not report the same patterns ... see XXXX and Experian attachments

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