milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/16/2018 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On or about XX/XX/2017, Portfolio Recover Associates ( PRA ) reported me to the credit bureaus for a debt it claims I owe. 

PRA and I have corresponded several times since its initial contact. Within 30 days of its initial contact, I requested PRA to verify the debt. PRA produced conclusory information. I subsequently notified PRA that it had not satisfied its duty to verify the debt. PRA subsequently sent additional documentation which still fell short of the standard required to ( 1 ) establish that a debtor-creditor relationship exists ( by producing of the contract or judgment against me ) ; ( 2 ) establish the amount of the debt ( by producing an accounting of the charges ; and ( 3 ) establish that PRA was authorized to collect the debt ( by producing an assignment or agency agreement ). 

To date, PRA has only provided a partial accounting for what it purports to be a debt. Its allegation cite a third party as the creditor, and PRA has neither provided evidence that the purported original creditor has a claim against me via contract or court order, nor provided evidence that it is authorized to collect the claim alleged against me. 

In short, PRA has not verified that a debt exists, the amount of that debt, nor that PRA is legally permitted to collect it. I have sent multiple letters to PRA detailing what I ( or any court of law ) would require to prove a debt exists. Nevertheless, PRA has refused to acknowledge the additional detail and continued to purport to verify the debt by producing incomplete information and self-serving conclusory statements of its authority to collect the debt ( without providing any evidentiary support ). 

PRA has not satisfied its duty to verify the debt, yet it has proceeded to report my account to the credit reporting bureaus. I have filed disputes with the bureaus, but the collection accounts remain on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MS).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: This is my last attempt to contact Experian about the information that is being published to my credit report. The following account needs to be removed from credit report.    XXXX   XXXX  account  number  XXXX  is reporting twice not understanding why or what is account really is. I never gave my permission to  XXXX   XXXX  to open any accounts using my information. I kept getting bills to my address in my name your this company I never paid a payment because the accounts were not my account I requested the company to provide me with a contract with my signer or something so I could provide to the police dept. They never sent anything I was advised to fill out a  Fraud packa ge.     I am asking Experian to Validate the information reporting under my publi c Record I   never have a Judgement filed against me. The Companies that is listed under my  Public Record is   XXXX   XXXX   XXXX   XXXX   XXXX  I contacted each  one  of them to see if there was an open case or judgement filed against me on the dates that is listed on my credit report there was no record found Please remove this information from reporting on my credit report. This information is very damaging to my credit and reputation.   I have included a copy on my F TC Affidavit package a nd a copy of my credit report. The inquires needs to be remove from my credit I understand that they are a fractional items I do n't need that type of information to be displayed on my credit report when I did not give the companies permission to view my credit report

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 08/28/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Adjusters, LLC (SC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This debt agency keep calling my telephone number day and night harassing about this account. I stated to them that I was n't working and had lost my job in XXXX but it like they do n't care what I say and keep calling my telephone like I am going to do a magic trick to cough up some money.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OR).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: When I was XXXX i opened my first credit card at XXXX 's. I was XXXX young and stupid and let it go to collections those calls were coming to my parents house and my dad paid off the debt. I had to work that money off so I know he paid off the debt it was around {$300.00}. Never removed from my credit. Fast foward what seems l ike 10 years because i am not XXXX it is still on my credit. That right there is reason it shouldnt be on my credit report anymore. The limit is 7 years. So it should be cleared just because of that and it was paid ... I call XXXX/XXXX is what it is listed on my credit report as credit report number XXXX ( equifax ) to just pay whatever they say i owe, the lady refused any payment frusterated i hung up. I called yesterday to get my account numbers i could file a claim to equifax the new person then refuses to give it to me saying its on my credit report and they can comfirm the last 4 digits.. its not on my credit report but ok. I filed a disput with equifax and havent heard anything back. I dont know what they or XXXX wants me to do. At this point its completely unfair to be on my credit. It was already paid, it's almost over 10 years ago, I try to pay it they refuse, I try to get my account number they refuse what do you want me to do. I cant report anything to the Attorney general or other higher fraud places because they wont give me an account number. Can you please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (NJ).
Issue: Problems caused by my funds being low

Complaint: My transaction " post '' dates were manipulated to trigger an overdraft to my checking account, which in turn triggered an overdraft fee.

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 05/16/2017 about Debt collection (I do not know) with ProCollect, Inc (MS).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: The Judgements were paid on  XXXX   XXXX ,  XXXX  in the full amount of {$1600.00} through the Courts of  XXXX ,  MS . Th e Courts finally took the public records off of my account on  XXXX   XXXX ,  XXXX .  XXXX  and  XXXX  refuse to remove the collections off my account Case or ID #  XXXX  Case or ID #  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Checking or savings account (Other banking product or service) with SUNTRUST BANKS, INC. (VA).
Issue: Managing an account
Sub-issue: Cashing a check

Complaint: Per my attached XX/XX/XXXX, I addressed two issues to my local SunTrust Bank.

The first issue dealt with SunTrust 's check cashing procedures at the bank, which I addressed to the SunTrust Client Advocacy Office and received an appropriate response ( letter dated XX/XX/XXXX, attached ). It appears as though the tellers followed proper procedures and accepted checks written on a closed SunTrust account. The bottom line to this issue is that SunTrust does utilize safeguard business practices akin to other local banks, i.e. XXXX XXXX XXXX or XXXX XXXX, which would have easily prevented the checks presented from being deposited. 

The second issue which was poorly dealt with by SunTrust officials, was the lack of protection which SunTrust bank provided to me, when I presented fraudulent SunTrust checks to bank management. The two SunTrust checks which I had received were written on an account which had been closed sometime in XX/XX/XXXX. SunTrust was aware that the individual was writing these checks on a SunTrust closed account and : ( 1 ) took on no action to stop the fraudulent activity ; ( 2 ) took no action to protect my financial interest when I confronted management about the two fraudulent checks.

As you can see by the attached documents, the problem first started in XX/XX/XXXX. Since XX/XX/XXXX, I have worked these issues diligently with my local SunTrust bank senior official, the branch Manager, the regional bank representative and ultimately with the SunTrust Bank President ( see XX/XX/XXXX attached letter. ) As of the submission of this complaint, XX/XX/XXXX, I have heard nothing from my XX/XX/XXXX letter to the President.

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 10/17/2017 about Mortgage (Conventional home mortgage) with Trinity Financial Services, LLC (NY).
Issue: Closing on a mortgage

Complaint: Trinity Financial Services , LLC located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX and their number is XXXX : ( XXXX ) XXXX. They hold a XXXX mortgage on the property. There is a senior lien on the property from XXXX XXXX XXXX, XXXX and they have approved short sale on the property which expires on XXXX/XXXX/XXXX. As of XXXX/XXXX/XXXX i was advised by Trinity Financial Services , LLC that the investor on the mortgage have approved a short sale offer for {$8200.00} to close the short sale.Alos, advised please provide acceptance or decline by XXXX/XXXX/XXXX at XXXX, which the oofer acceptence email was sent tot hem the same day on XXXX/XXXX/XXXX. Since, then every time they are being called for update they are providing the same response for the past 15 days that the approval letter needs to be signed by their upper management and its not signed. Every time, when a call back is being requested from the supervisor the call is not being returned and they hang up the phone.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2018 about Debt collection (Other debt) with CCS Financial Services, Inc. (UT).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX policy was switched after an the quote they gave me was incorrect and suddently increase my price. The month of insurance with XXXX XXXX was paid and yet XXXX XXXX kept billing for months when XXXX sent them notice and took over our auto policy. 

The collection firm nor XXXX XXXX XXXX sent a notice of debt or collection. We never received a phone call or letter after the cancellation of account.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2015 about Credit reporting () with Experian Information Solutions Inc. (NV).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: My XXXX credit card account has been paid off, and my credit report still shows a balance and that it is delinquent which it never was.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: My credit was compromised and there were some things on my credit report that did not belong to me, I disputed them with the credit bureaus and some things were removed ; however, most things were not. There was a fraud alert placed on my credit report but I have not been able to access my credit report or scores since to see the final results, I need assistance with obtaining my report and scores.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2016 about Debt collection (Credit card) with Dynamic Recovery Solutions, LLC (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This debt is from a former deceased relative that I had removed from credit bureau, its now being attempted to be collected 10 years, its a account from 2006, later by a XXXX collection agency, none of which are the original debtor

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/19/2015 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (PA).
Issue: Unauthorized transactions/trans. issues

Complaint: No access at all to Rushcard. No web, no automated, no atm ... They 've been making promises to correct the problem since last Monday. My phone is now off and my children cant return to daycare until paid which means no work. They need sued

Company response to consumer: Closed with monetary relief
Consumer complaint received 11-04-2015 about Credit reporting () with Accurate Background (MI).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am applying for employment at a major company in XXXX Michigan XXXX and as a require of pre-employment screen Accurate Background XXXX spoke to the employer before completing their report. After sending employment history, company sent a preliminary copy of report, and informed me of 5 days to dispute any errors ( XXXX/XXXX/2015 ). I responding on XXXX 2015 to Accurate Background company and now I have a second disputed claim for the same error in report with no results given for the previous disputed claim ( XXXX/XXXX/2015 ). I have informed this company of their investigative tactics using unofficial documents from local courthouse records and not recognizing the background records of XXXX Police records dept. I have provide all necessary document to correct this matter, but to no avail this company is focused on damaging my reputation with this erroneous given to a potential employer. I am asking that your agency protect my right to a fair investigation using reliable, and legitimate records of criminal history by state or federal agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-04-2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (MN).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: I have a checking account with Wells Fargo. During the entire time I had the account I had a {$300.00} bounce protection limit. They would always pay items to that amount. On XXXX a check was submitted for {$160.00} and one for {$30.00}. At this time the account had a balance of around - {$20.00}. Based on previous experience I expected these items to be paid and be charged two {$35.00} fees. The two items were rejected and submitted back as NSF. In addition to the items being returned I was charged 2 {$35.00} fees. As expected the items were reran again and submitted for payment 2 days later on XXXX. At this time the account was about - {$70.00}. Oddly enough the checks went through this time and again I was charged 2 {$35.00} fees. 

I emailed Wells Fargo through their online customer service. I asked that they refund {$70.00} worth of fees. I was responded to saying that they would not refund the fees. I responded and told them I would open a CFPB complaint and they transferred me to their Executive Office and a rep from that office took my call. Again they could n't explain to me the reason for the above scenario and refused to refund the {$70.00} in fees. I was then contacted by Wells Fargo a few days later in response to a negative balance in the checking account. I told them I was still waiting for an acceptable response to the above scenario and they transferred me to a customer service rep that again could n't fully explain and refused to refund {$70.00} in fees. 

So I am at the last resort of reaching out to you, and hopefully will prevent future customers of Wells Fargo to get the same treatment. Why can they change their rules and reject two items that would have always been paid before, charge the {$70.00} in fees, and then two days later charge another {$70.00} in fees when the items are resent and actually pay them this time when the account was even more negative then before. Why were n't they paid the first time then? Was Wells Fargo very much aware that the items would be resubmitted again a few days later and they were looking to optimize fee income? All I asked them was to refund one set of {$70.00} in fees.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2017 about Credit reporting () with Resurgent Capital Services L.P. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I received a collection Notice in the mail from a company called " Resurgent Capital Services '' in XX/XX/XXXX. They are claiming I owe a debt of XXXX to a company called XXXX. They also have stated this account was opened on XX/XX/XXXX. I know nothing of this account and would have been only XXXX or XXXX at the time being my Date of Birth is XX/XX/XXXX. This is ruining my credit before I even start my life. XXXX has reported this account on my credit and now their collection company " Resurgent '' is now additionally reporting negatively also like I have two accounts negative. I informed " Resurgent '' in XX/XX/XXXX of my age and of this matter and they refuse to remove this and will not stop attempting to collect this Debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/17/2015 about Mortgage (FHA mortgage) with PNC Bank N.A. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Reference : CFPB Case No : XXXXLong story. Still find it WRONG! For a Bank to lie about needing a bailout, use that money to buy my bank and mortgage and refuse to help when asked and continue to act in a way that forced all the new regulations/California Laws that are supposed to prevent this. 
**HEY FEDS! I am in need of a bailout FOR REAL!!!! I will be HOMELESS very soon! And I am NOT lying!!! XXXX. After all the misconduct and run around and PNC now trying to run out the clock I have sent an official RESPA QWR to see what other inappropriate behavior might be happening. The latest it appears as I was told by an attorney the Due Diligence dated more than a year before NOD filing should VOID the NOD and foreclosure. But PNC will apparently proceed and force me to litigate.

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 Experian Information Solutions Inc. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Experian was hacked, they say that my information was affected. Can not freeze my credit through any of the three credit bureaus.

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 05-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: The inquiries illustrated below were not authorized and have been disputed with the respective companies to no avail.      1 )    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX      2 )   XXXX   3 )    XXXX   XXXX   XXXX    4 )   XXXX   XXXX   XXXX   XXXX   XXXX  )   XXXX   XXXX    XXXX  )  XXXX   XXXX  )   XXXX   XXXX    8 )   XXXX   9 )   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 01-05-2018 about Debt collection (Other debt) with Central Portfolio Control Inc. (VA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Central Portfolio Control callback number is XXXX. Has contacted me several times starting XX/XX/XXXX. On XX/XX/XXXX they called and spoke to me directly. Since then they called again leaving messages on XX/XX/XXXX and XX/XX/XXXX. 

In addition to these calls and messages on my phone. They called my place of employment on XX/XX/XXXX, and my grandmother on XX/XX/XXXX. 

They have already spoken to me, and have all of my contact information, they should not be calling third parties.

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 08/27/2015 about Credit reporting () with EQUIFAX, INC. (LA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Back in XX/XX/XXXX i submitted an identity theif disputes along with a official copy of my police report to all national credit agencies once I realized my identity had been stolen. The company did n't follow the FCRA laws regarding information on my credit report due to identity fraud. It states all fradulent items in my name should be blocked permanently and immediately because my private information had been compromised. There are still several fraudlent accounts reporting on all XXXX of credit bureaus and I would like them removed immediately or XXXX XXXX dollars in restitution for breaking federal laws. The negative accounts still showing that are not mine are XXXX XXXX XXXX credit cards a XXXX card and XXXX gas card opened in XX/XX/XXXX and a XXXX and XXXX XXXX furniture account. Of course the creditor will be able to verify me because my identity was stolen and used so that 's no excuse to not follow the law.

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (FL).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: Try to get a lower monthly payment but keep getting denied and know getting calls from different companies who tried to offer me some deals. I really upset that getting harassment calls from company that I never request. I want this to stop and the debt to be removed now, I can afford to paid the student loan, I am repaying a IRS and I am XXXX with fix incomes. Please make sure that all this calls stop and the harassment at the same time.

Company response to consumer: Closed with explanation