milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-05-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I settled this debt and payed in full 2 months ago. I have bank records proving I settled and payed this debt in full on XXXX/XXXX/2016 ...

Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Attn : Equifax, XXXX, XXXX My name is XXXX XXXX I have provided you with the following items I have listed below that your company is reporting inaccurately. I look to place all accounts as fraudulent accounts. I am a victim of identity theft. I have been affected by the credit breach. I have attached a letter, copy of the FCRA where the credit bureaus and creditor violated me by going on to my credit file and reporting inaccurate accounts on my credit. False Pretense in the act of being the consumer and not getting any consent from me to open up my credit report.
Please take this documentation I have provided as a dispute and an affidavit. Contact me at number i have listed and please add my mobile.
Inquiries : XXXX XXXX  XX/XX/15 Accounts : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Thank You XXXX XXXX XXXX 1XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NAVY FEDERAL CREDIT UNION (MD).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have an inquiry dated XX/XX/2017 from Navy Federal Credit Union that I did not authorize.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (MI).
Issue: Shopping for a loan or lease

Complaint: unauthorized inquiries on credit report

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have disputed this item with the credit reporting agencies ( XXXX, XXXX, and Experian ). Every time I dispute the item, I receive a response that the item is valid. However, I NEVER receive any documentation that proves that ( 1 ) the debt is valid and ( 2 ) the debt is mine. 

I 'm at my wits end with the massively irresponsible behavior demonstrated by the XXXX credit reporting agencies. Without proof, the credit collections company ( XXXX XXXX XXXX ) has absolutely no right to place this item on my credit report. 

Please help me resolve this issue. THIS IS NOT MY DEBT, AND I REFUSE TO PAY FOR A DEBT THAT IS NOT MINE. 

Thanks, 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 08-06-2015 about Debt collection (Payday loan) with Premier Portfolio Group (MD).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I received a call from XXXX XXXX from Premier Portfolio and she stated to me that I owe a payday loan which I opened back XX/XX/XXXX. However, I never applied for a payday loan from this company and I was enrolled with Payday consoldation company which everything was paid off. When I asked her for a letter showing me what I owe, she gave me a hard way to go. I then asked her to email me this information to my email address which I provided to her. I asked her will it be within the hour. I also informed her that I have also contacted my attorney and the attorney general 's office. She asked me for the last XXXX digits of my social security number which I did not provide for her. She stated to me that information was sent to my home and it is showing that I received it back on XX/XX/XXXX. I then asked her for the company name and she then told me that they would not have my information because this company forward to this company. I told her that within Maryland law, if any consumer owes a debt, then a disclaimer is read before a conversation. I told her that I believe that this is a scam and I am contacting my attorney with this information. She told me that she wanted my attorney 's phone number and I asked her if you are willing to provide this information to my attorney then why would you deny me the right to have this information in front of me. I told her that I would like to have this in my email. I still have not received this information through my email. I want to file a compliant and ask that this company not call me anymore.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2015 about Debt collection (I do not know) with Capital Management Services, LP (WI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: We got a voicemail from " Capital Management Services '' phone number XXXX at XXXX this morning XXXX/XXXX/15 asking us to call XXXX. The woman leaving the message said " this is a debt collector. '' Which, I understand, is a violation of FTC debt collection laws. In addition, we have no outstanding debt that would have gone to a debt collector! I would like this scammer stopped.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 11/27/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (MN).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: I received notice that my Citi credit card was locked for potential fraud. I reviewed my statements and there were no charges or activity that was out of the ordinary. I called and spoke to a representative who informed me the issue could not be resolved unless I called off a land line, he stated my work phone would do. I called from my work phone and the next representative I spoke to said if the landline was not maintained by me then they would have to send me a letter that would take 7-10 business days and after I received that my card would be unlocked and able to use again. I called and talked to another representative and I explained that this is serious and there has to be another way to verify i.e. social security number or the bank account number I use to pay the credit card. He said the bank account number and verifying my last 4 charges would suffice. So I verified and all was " good to go. '' He told me to disregard the letter that the rep I spoke to prior mentioned. After my work day I went to use the card and it was still declined. I spoke to a supervisor who said they would call my work phone the following morning to resolve ( I never got the call. ) I spoke to another supervisor who said his manager would call me within the hour ( I never received that call. ) I called and finally got through to a manager who said that there was nothing he could do because I had been flagged for MULTIPLE fraudulent activities. I asked him what triggered this as there are no charges out of the ordinary. He could not answer. He said an " investigative team '' would review that and then I asked if after review I could get a printed copy of the " flags '' sent to me. He stated they would not do that. He explained that the original letter that was being sent to me would be expedited and I needed to follow those instructions. I asked in his experience as a manager, what is the time frame for something expedited. He could not answer. I informed him that a manager was to call me the following morning on my work phone and he assured me that when she called it would be resolved. I asked what if it was n't he said ask to be transferred directly to a manager. I finished my work day, never received the call, called from my cell phone explaining everything that happened in the past 24 hours and spoke to a manager who said if she could call someone at my work and give them a reference number which they could pass on to me, it would be cleared. She said she personally would call me back in 10 minutes. I never received a call. This all started on Tuesday morning XX/XX/XXXX. It is now Monday XX/XX/XXXX and I still have not received a letter, no one has contacted me and I am still without a credit card.

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 11-07-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: The XXXX charges on my credit account has been paid in full, and have not been removed from my credit acct, which causes me to have a lower score than I should. Please look into this matter, as it hinders me from obtaining credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2015 about Debt collection (Medical) with Choice Recovery, Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: This claim should have been file under my XXXX insurance and I had have never received no notice of Collection this must be removed from my credit file since the collection company failed to reach me or contacted me

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AMERICAN EXPRESS COMPANY (IL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have started to monitor my credit report and noticed hard inquires on my report that I did not authorize. I have contacted the companies and the credit bureaus with no success and no help. The inquiries below should not be appearing on my credit file. I never gave verbal or written permission to these companies to run my credit. I have been a victim of identity theft in the past. 

XXXX pulled my credit report on XX/XX/XXXX XXXX pulled my credit file on XX/XX/XXXX,  XX/XX/XXXX and XX/XX/XXXX XXXX pulled my credit on XX/XX/XXXX XXXX pulled my credit file on XX/XX/XXXX XXXX XXXX pulled my credit file 3 times on XX/XX/XXXX XXXX  pulled my credit on XX/XX/XXXXXXXX  XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/26/2015 about Debt collection (Payday loan) with Northeast Receivables Management, LLC (VA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: The employee or representative of the company called multiple times on XXXX XXXX 2015 accusing me of check fraud and theft and to file in courts of law where I live for said charges while trying to collect on a payday loan I have no knowledge about and for which they were asked to validate as of XXXX XXXX 2015. A XXXX XXXX called, was very rude and abusive in his approach, kept talking over me when trying to ask questions and respond to his, and threatened me with being taken to court for check fraud and theft both of which are criminal offenses and are not applicable in the civil case of a collection action. XXXX XXXX repeatedly called me after we spoke and I asked for validation of the debt, left messages on my phone that I needed to take care of it immediately, and called who he thought was my father on the morning of XXXX XXXX stating that I was in trouble for theft and check fraud and that I needed to take care of it immediately thereby defaming my character with his continued malicious and illegal collection practices. A letter was emailed to an email address as a reply from one sent to me, and a certified letter was mailed to the address of record on XXXX XXXX 2015 asking for validation of the debt and informing of their violations of law and improper tactics and practices. These practices are illegal, abusive, harassing, and unnecessary even of someone who does owe a debt in collection. They sent me an email claiming the letter attached to be a validation of the debt, which it was just a debt collection letter they should have sent in the first place and NOT a validation of the debt. They are in violation of FDCPA sections 806, 807, and 812 if not more.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Student loan (Federal student loan servicing) with HEARTLAND PAYMENT SYSTEMS INC (WA).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: Today,  XXXX   XXXX   2017 , I made another payment to heartland.ecsi.net which processes/handles loans on the behalf of the University  XXXX    XXXX   ( the lender ). What had n't noticed earlier, was their increasing " service fee '' based on how much you choose to pay back.     My preference is for one-time payments, so I can adjust how much I pay back based on my financial ability. I always give more than the minimum to pay off the loan faster. I purposefully do not set up reoccurring payments for this reason.     On top of my 5 % interest on my loan,  XXXX  charges me a whopping 3.95 % on one-time payments I make plus and additional {$1.00} combines to make the " service fee. '' For example, my {$150.00} payment turned into a {$150.00}.  XXXX  dollar is for who knows what, plus an additional {$5.00} which makes up 3.95 % of {$150.00}. This is ridiculous.  XXXX  is already making 5 % revenue on my loan. I 'm left with no choice, but to do reoccurring payments, or pay 8.95 % interest on the loan ( 5 + 3.95 % ).

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Billing disputes

Complaint: I requested on XXXX 2015 for Capital One to have my credit card closed and I paid my account in full. Capital One put the account in restriction mode and they have assessed their bank fees for annual fee, interest fee and late fee on an account that I requested closed with a zero balance. I am demanding to have Capital One issue credit to account. I contact them on XXXX XXXX, 2015 to request and the agent was so rude and would not provide information. Her name is XXXX ( would not provide last name ) ID # XXXX, telephone XXXX. 
I asked her why she ca n't provide last name since I provide my personal information she was so rude and stated she ca n't.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/14/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: XXXX XXXX XXXX agreed to remove late payments from my account. I received a written agreement from XXXX XXXX XXXX that states they are not reporting late payments on my lease dated XX/XX/XXXX. Furthermore, this was disputed and deleted last year ( XX/XX/XXXX ). How and why is it reporting on my credit report? This is not a dispute about my loan from XX/XX/XXXX as it is reporting accurately. Please do not delete my XX/XX/XXXX XXXX account as it is not being disputed.

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 07/28/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: This company is continually harassing me by calling me six to seven times every day. I do not wish to communicate with them and has written them letters on two different occasions to this.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2016 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I bought my home in XX/XX/XXXX on my sole income. I had a 30 year mortgage. I paid for 10 years and then ended up getting a divorce. At that time my ex and myself contacted Citi to request her name removed from mortgage. We were told we have to refinance to do so. So in XX/XX/XXXX, I paid off the XXXX mortgage and refinanced in my name, for 30 years. Then taxes, insurance went up causing an escrow shortage at which time they raised my monthly payment another {$300.00}. Wel I paid as long as I could, but started to run into issues. So I contacted lender to see if there was any assistance for someone like me, who struggled through the housing crash, looking for principle reduction and refinance for a better rate. They put me into a loan modification and gave me an amount to pay, {$950.00} for the next 3 months. That was 7 months ago. I have no paperwork saying I am in a modification, and the original mortgage shows I am late every month on my payment and Citi sends letters saying I am behind in the amount of over {$7100.00} now. They email me and tell me they are waiting on title search to come back, but still never send me info on my modification. They have someone leave envelopes on my door to call. When I do, they say 'OK, thank you. Even though I have told them I did n't want to lose my house and I am in it and taking care of the property. Oh and the new loan will be for 40 years. I have researched and seen that Citi has done something similar and stared forclosure behind the owners back. I am worried, frustrated, beat down and mad that after all these years they would treat me, or anyone, this way.

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 06/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have recently noticed that a reporting agency has been reporting a debt to the  XXXX  credit bureaus that is not mine. When I contacted the company, they can not tell me how this happened nor do they see anything related to my name on this account however we share a social security number which is impossible. The original account was opened in   XXXX   at which time was only  XXXX   years old. Thi s person is not a family member or a friend of my family. The only commonality between us is that she lived in the apartment I currently reside in.

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 11/30/2016 about Bank account or service (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (CO).
Issue: Problems caused by my funds being low

Complaint: Compass bank is unfair and unethical. I have overdraft protection from my savings account. I pay a XXXX fee for the transfer which is fine. However, I overdrew my checking and funds moved from my savings. I paid an nsf fee because my od transfer was not enough. That 's fine the kicker is I paid the XXXX transfer fee and because my account was still overdrawn I paid an nsf fee on my overdraft transfer fee. I 'm having to pay a fee on a fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WI).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Under the new law effective XXXX XXXX, 2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in my credit file. The Credit Bureau has not updated the information and per the new true Bankruptcy listed does not include this information and should be deleted from my credit files.

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 08/31/2017 about Credit card or prepaid card (Store credit card) with TD BANK US HOLDING COMPANY (NY).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: I was astonished once I looked at my XXXX, XXXX and XXXX credit reports and realized that I was reported as having a late payment on the date below : 30 days past due X/2016 I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this occurred, I thought that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: All  XXXX  credit bureaus have failed to keep excellent history from a mortgage i obtained in  XXXX  to  XXXX  at   XXXX   XXXX   XXXX   XXXX   XXXX  , pa. I had {$410000.00} financed. Also i had ( 2 ) leases with   XXXX   XXXX   XXXX  of North America for a   XXXX     XXXX   and a lease later in  XXXX  for a  XXXX , all in excellent payment history. I never ask fo any of this to be removed.

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 03-01-2017 about Debt collection (Medical) with Century Credit & Collections, LLC (CA).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: Century Credit & Collections , LLC has continued to harass and threaten me with constant telephone calls. I was threatened with credit reporting that would adversely affect my credit. I have made multiple attempts to reconcile the account with a repayment plan. Century Credit & Collections , LLC refused to accept a payment plan I could afford. As a result, I was hung up on. These kinds of strong arm tactics are unacceptable, unprofessional and create emotional distress.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation