milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/31/2017 about Debt collection (I do not know) with Ad Astra Recovery Services Inc (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I recently pull my credit file and noticed that I have a collection with XXXX XXXX XXXX XXXX Account # XXXX. I have no contractual agreement with XXXX  XXXX XXXX XXXX. If XXXX XXXX XXXX XXXX thinks this alleged debt to be accurate please provide the following documentation : documentation agreement with your client that grants them the authority to collect on this alleged debt, agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor NOT A COPY A WET INK SIGNATURE FROM THE ORIGINAL CREDITOR, any insurance claims having been made by any creditor regarding this account, any judgement obtained by any creditor regarding this account, name and address of alleged creditor, name on file of alleged debtor, alleged account number, address on file for alleged debtor, amount of alleged debt, date this alleged debt came payable, date of original charge off or delinquency, verification that this debt was assigned or sold to collector, complete accounting of alleged debt, and commission for debt collector if collection efforts are successful. 

Please provide the name and address of the bonding agent XXXX XXXX XXXX XXXX XXXX in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for VAILDATION made pursuant to the Fair Debt Collection Practice Act This consumer would like BBB to makes sure that these matters are handle in the upmost professional way and IF AD ASTRA RECOVERY SERVICES CAN NOT PROVIDE ALL NECESSARY DOCUMENTS INCLUDING ACCOUNTING LEDGER YOU NEED TO REMOVE THIS ALLEGED DEBT.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: agency is accepting false negative information to put in my credit file.

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 03/23/2016 about Mortgage (Conventional fixed mortgage) with SUNTRUST BANKS, INC. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: We have a mortgage with SunTrust mortgage. We set up an escrow account for insurance and taxes. Suntrust paid our property taxes but failed to pay our hazard insurance. we had a claim for XXXX in process so now we can not get a company to cover us, So now we can not get coverage of our choice. we are forced to accept citizens and had to pay a XXXX point inspection of {$120.00} + in 5 years we will need to get rewired and a new panel to pass inspection

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 06-10-2015 about Student loan (Non-federal student loan) with Genesis Lending (OR).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Hello! I am a " graduate '' of XXXX ( XXXX location ). I graduated in XX/XX/2010. The school was XXXX of the worst experiences of my life. It started on my first day, during orientation, found a forged signature on a document that I 'd never seen. I had my life threatened multiple times, teaches threatening to not let me graduate due to a little facial hair stubble, among many other things .... its hard to explain how terrible this place was. Lies everywhere about post-school work, pay, and life. The school is now gone, closed, and was a pointless +- {$32000.00}. I graduated with a little piece of paper and a huge debt. XXXX colleges has gone away, and so has any credibility of me going to XXXX. I 've paid all but about {$5000.00} of my school loans. There have been multiple reports on loan forgiveness and loan reimbursement. The non-federal loans are paid off due to the 18+ % interest. The {$5000.00} left is for the federal loans. I 've never missed a payment, and have tried VERY hard to make ends meet with this debt. The private loan company is Genesis Lending and they told me to contact you. Their loan amount was around {$13000.00}. I need some help here, XXXX Colleges fraud has null and voided any meaning of me going to XXXX. The school/my " training '' is just a big joke to employers now. Thanks for reading this.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Debt collection (I do not know) with American Coradius International LLC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: In late XXXX, I noticed that my XXXX balance was negative {$570.00}. I contacted XXXX to advise that all payments/monies that I sent was from my XXXX credit and NEVER from a checking account. My XXXX credit is in good standing but she stated that there were two charges from checks written for {$570.00}. I thought that the issue was resolved until I received a letter from American Coradius International in the mail stating I owe {$570.00} I did not send these two payments and do not have any idea who did. Perhaps I was hacked but I do not want to speculate. I did reach out to the individual who the monies were " sent ' to and that individual advised that the funds were not received but that the XXXX " XXXX XXXX '' attached to their account was missing. I believe that person may have completed a police report also but am not certain.

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2015 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (CA).
Issue: Deposits and withdrawals

Complaint: My paypal account has been put in a negative balance by paypal because another paypal user claimed to have their account hacked and then used to purchase something that I sell online. There were XXXX transactions which amount to almost two thousand dollars. Now, my other paypal account has been limited, and paypal has frozen the entirety of my money. Which includes money I need to live, pay for my prescriptions which are vital to my well being, and just daily expenses. I have provided paypal with enough evidence to prove that the other party involved lied in order initiate a chargeback, and therefore, leaving me with such a large negative balance. I have correspondence between XXXX XXXX and I. There are emails, proof that they were in fact the owner of their paypal account, and screenshots. I provided overwhelming evidence to paypal that they were in fact in the wrong, but they still decided to freeze my funds. Months have passed and they still are telling me that I am required to pay the debt. Not only did I lose my product, but I also lost the money I received as payment for said product. I have called countless numbers of times trying to solve the issue, but paypal will not budge from it 's place of power. I have been taken advantage of the fact that the seller is almost guaranteed to lose a dispute against anyone that starts one against them. I have not been able to pay any bills, eat, or get my prescriptions vital to my well being.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with U.S. BANCORP (IN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: 1ST OF ALL I FILE CHAPTER XXXX BANKRUPTCY 2ND US BANK FAILED TO REPORT F.C.B..A. DISPUTE SEE Attached letter.

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 07/19/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: TransUnion is violating Section 609 ( a ) ( 1 ) ( A ) Accounts posted on my credit report without verifications of signed consumer contracts. 
UNDER FCRA, unverified accounts must be removed unless copies of verified proof is provided.

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 08/18/2017 about Debt collection (I do not know) with AES/PHEAA (LA).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: A communication from XXXX XXXX XXXX, XXXX, ( PHEAA ) was received by this consumer, XXXX XXXX XXXX ( 15 USC 1692a 3 ) on or about XX/XX/XXXX. As described in 15 USC 1693 a 2, an account involving personal, family, and household, which means consumer, is an asset account. Why is an entity, which can be defined in 15 USC 1693 a 9 as a financial institution holding an account, directly or indirectly, belonging to a consumer, attempting to collect an alleged debt? According to the FDCPA a debt collector may not  use any false or misleading representions in an attempt to collect any alleged debt ( 15 USC 1692e 3 ; 15 USC 1692e 10 ). Continuing, threats were insinuated as described in 15 USC 1692d. This consumer is seeking actual damages pursuant to 15 USC 1692k A 1 in the amount of {$50000.00} USD. Misrepresentation and harassment are deceptive and harmful.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with TRANSWORLD SYSTEMS INC (ME).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: I lost my job as a XXXX at local XXXX because this creditor kept calling and calling. Left voicemails for me on a public non secure line with SENSITIVE information, was ultimately fired bc they did n't stop calling despite my request. 
New employment, they just found me again and contacted me three times this week at this office. I am in jeopardy again of the same situation.

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I am and have been the victim of identity theft. Several companies including credit card companies that were listed under my name were notified by me as to the identity theft situation and after there investigation each wrote to me stating I was not responsible for any debt HOWEVER XXXX XXXX is still actively seeking payment from an account that is not mine. When I became aware of the debt I contacted the company and told them of the situation. Several months later I have been contacted by Midland Credit Management a collection company bearing their acct number of XXXX listing the balance of {$390.00}. I have contacted them within the 30 day period stating the identity theft situation. Please help me rectify this and have XXXX XXXX not hold me responsible for a debt I did not incur. Thank You.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-06-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Financial Data Systems (NC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I finally received a ledger of the amount that I " owe ''. The balance on the ledger states {$2700.00}. I have added this up several times and do not come close to that balance.

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I called and spoke with a representative at Equifax and   XXXX  credit  reporting I have sent in documentation showing that I have paid my balance in full with   XXXX   XXXX   XXXX  .   Equifax continues to report a balance of {$11.00} on my report from   XXXX   XXXX   XXXX  . I have tried to dispute this online also when trying to submit the dispute the website does not allow this to be submitted.  Reporting  this on my credit report is emotionally and financially distressing, I am contacting you to help is a resolution that will stop the harassment that I am suffering in to this day.

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: EQUIFAX fails to remove the XXXX XXXX ACCOUNT. EQUIFAX reports incorrectly the date of first delinquency of this MEDICAL ACCOUNT. EQUIFAX fails to verify the authenticity of this MEDICAL ACCOUNT. EQUIFAX continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (GA).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: In 2017 Wells Fargo Bank gave me overdraft fees back into my account at approximately XXXX after speaking to a account manager. The manager gave me the fees back and for some reason the funds didn't post immediately which they always did or either showed pending and no other fees would accrue. Well the fees cause a small transaction to cause another overdraft and I was charged fees until the account closed. The fees totaled XXXX XXXX and XXXX XXXX dollars. I attempted to resolve this with the bank numerous times which they refused to do. I am wanting the account resolved to a XXXX balance because It wasn't my fault that the item overdrafted.

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 03/23/2017 about Credit reporting () with EQUIFAX, INC. (NE).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Equifax is giving me a wrong name, stating that I 'm also know as XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2016 about Student loan (Non-federal student loan) with DISCOVER BANK (WA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I have a private Student Loan through Discover. The already outrageously high interest rate ( 9.875 % ) raised without notice to 10 % this statement. This is the second time this year the rate has increased. This time, however, no notice was provided for the increased rate. I 've previously tried working with the loan servicer to find out how I can reduce the interest rate ( whether through refinancing through Discover or any other means ) and they have been unhelpful. Aside from the fact that my auto loan and mortgage have interest rates that are nearly half that of my private student loan, I am concerned about the rate continuing to increase. Furthermore, I have attempted contacting the servicer for an explanation on why the rate has increased without notice, and a request to return the rate to what it was before the increase happened ( again, without any notice to me ). Not only has Discover not addressed my concern, Discover simply has not engaged with me. I have not received any communication since my inquiry, several days ago. I 'm worried that I have an outstanding debt to a private institution that operates similarly to a gang lord ; Discover charges me what it sees fit, and does not service my account, and I simply do not have a voice with them. Every month, I pay XXXX to XXXX times the minimum payment, in an attempt to be out from under this debt from an unfair provider. The feeling of despair and hopelessness grows more each time they chose to unjustly raise the interest. What is more troubling, the interest steadily started rising as soon as I started paying more than the minimum. It is as though Discover was dead set on making a specific profit from my account, and now that I can afford to pay more to the account, they will make up for the fact that I will be debt free sooner by charging me exorbitant fees lacking representation. I do understand that this loan has a variable rate ; however, if my provider is going to exercise it 's right to increase the rate, it absolutely must give me proper notice. It was the only thing that separated it from a slum lord, and I fear I do n't even have that now.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: We became aware of your recent settlement with XXXX XXXX solution where we had attempted a loan modification. When I contacted them today to inquire about your deferred balance we were told that our loan has been sold to another lender DieTech. And DieTech folks are still reporting the deferred balance that was subject to the loan modification ( see attached ). We would like CFPB '' s help in working with DieTech to XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2016 about Debt collection (Credit card) with Global Credit & Collection Corporation (RI).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: global credit collection sent me a letter saying i owe a debt from original creditor XXXX saying i owe money even though i have a paid letter from XXXX sayings its paid- global continues to call my fathers house to collect this debt and disclosed my information to him and threatens to take legal action saying i committed felony fraud

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2016 about Consumer Loan (Vehicle loan) with PRESTIGE FINANCIAL SERVICES INC (GA).
Issue: Problems when you are unable to pay

Complaint: I owe a debt to a creditor and went through the litigation process and a judgement has been placed against me. I accepted the judgement for the amount of a little over {$10000.00}. This same creditor is still reporting to my credit report and the debt is growing. The debt amount is now {$14000.00} and growing. I 'm in the state of Georgia and this case went through the XXXX XXXX court system, civil action no : XXXX. Can someone please help me with this issue, I need to know if this is a legal act. I was once threaten with jail time harassing phone calls to my home and job. I feel helpless.

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (OH).
Issue: Other

Complaint: Going over my credit report and I found an account still being reported. The account has been paid off and closed since XXXX 2006.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: XXXX XXXX used deceptive and illegal practices to get loans in my name. I have attempted to request documents from XXXX showing what was signed and how much each loan was for. My loans have changed hands and I am having trouble finding out who I really need to speak with. I am looking to challenge all private and federal loans in my name. Please contact me with further questions. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2015 about Debt collection (I do not know) with NorthStar Technologies (OK).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: I was notified by this company in XXXX 2015, that I owed a debt to them, and asked for debt validation immediately, and was never sent any debt validation. I received a letter XXXX/XXXX/2015 stating they would cease Collection Activities and no reporting to my credit bureaus. 
I received a summons that I am being sued XXXX XXXX by this company after stating they would not pursue the debt and in a XXXX that I do not reside, I never received any validation of this debt. It is not Valid it is Fraud, and after repeated requests I am know being sued in court.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (TN).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I requested verification on the alleged debt Portfolio Recovery is attempting to collect on. I sent a letter of verification and requested the original lender 's information so I may investigate the debt said owed. I also requested proof Portfolio Recovery could legally collect in the state of TN. 

I requested this information on XX/XX/XXXX by mail and did not receive an apply back. 


On XX/XX/XXXX this account was added to my credit report and I was not provided the information I requested to validate the said debt. 

This collection agency is not license to collect in the state of Tennessee. 


Please assist me in this matter

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I disputed this account with XXXX XXXX/ XXXX XXXX 3 times wtih all 3 credit agency 's. This account is not mine and I request proof of the debt. I never received any proof of the debt or response. This account should not still be reporting on 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 05-04-2015 about Credit card () with JPMORGAN CHASE & CO. (NE).
Issue: APR or interest rate

Complaint: I have had my Chase card since XX/XX/1987 They raised my rate to 27.24 % prior to the advent of the Dodd Frank Act and the creation of your agency. I spoke to XXXX in customer service and she indicated there was nothing Chase could do to lower my rate. She indicated that Chase was not lowering rates right now. I spoke to her about the need review and lower rates according to Regulation Z. She answered that Chase was only required to review not lower rates. My account is in good standing and been so for many years. I would like you to investigate and see why after 5 years of required rate re-evaluation there has been no reduction in my rate.

Company response to consumer: Closed with non-monetary relief