milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/13/2018 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (NJ).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: I am filing a complaint about Portfolio Recovery Associates, they are a third party debt collection agency that purchases debt that was already charged off by the lender and then contacts the debtor threatening them with legal action if they do not pay them the amount owed from the original debt plus their added fees. On several occasions I have asked them not to contact me on my cell phone, I have even gone so far as to block the number that they call from at that time but they have an unlimited amount of phone numbers that they use to work around being blocked. They not only call me but have contacted members of my family as well as neighbors in attempts to bully and intimidate anyone that they could in order to get paid on a debt that they have no contract with me for and was already settled with the original lender.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: These people CALL MY CELL Phone and CALL my HOME number. 
They leave messages on my Cell phone to contact them. Last week on XXXX/XXXX/2015 i returned a call. The agent there said that my number should have been removed. IT WAS NOT i received another call today XXXX/XXXX/2015 at HOME and on my CELL phone again. The issue is that they are trying to reach my SON. WE have the SAME name Except i am XXXX. he is XXXX. the debt is HIS not MINE. 
That is what i told them yet they still call MY NUMBER.

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Equifax refuses me an investigation regarding XXXX invalid liens that have since been cleared from my name at the county and federal courts, and they still appear in the public records section of my file with Equifax. XXXX and XXXX deleted these XXXX liens after and investigation ... they are labeled # XXXX and # XXXX. These liens are no longer on file under my name and I have spent countless certified letters trying to correspond with Equifax and have them remove it and provide me the descriptions and procedures of how and what steps they took but they refuse to provide me with anything. They have since begun to ignore me and simply send me a telephone number to contact the courts but that line has NO dial tone and the address is incorrect. These liens were joint with another individual who has since resolved them and they are now invalid an no longer on record with the county and state clerks. XXXX asked Equifax how they possibly verified them and they refused to answer me and simply sent me bogus and threatening letters that kept saying it was verified and nothing else could be done and that it was not their responsibility to provide me with any descriptions and procedures regarding their reinvestigation. But, I know that FCRA and California laws state that I am entitled to it. If they conducted a proper investigation they would see that these liens are no longer under my name. They claim to have verified it via my social security number but that is impossible since the county and federal dockets do not even release consumer social security numbers, so they are also LYING to me. Please, can the government help enforce some discipline on Equifax. XXXX and XXXX have deleted these XXXX liens after their investigation, so what is Equifax doing illegal?

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: - > after i found out Equifax got hacked i tried to place a fraud alarm on my account but they are making it difficult to put that in. this should be done automatically since it 's there fault that they got hacked. instead they are making it difficult by 

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2016 about Debt collection (Medical) with Renton Collections Inc. (WA).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: About a year ago, I submitted a complaint on my fiances behalf about Renton Collections in XXXX, WA. Last year, we tried to make contact with them to find out about a medical collection they had put on his report and find out where it came from and if it was his, a way to settle it or way to pay it. Not only did they refuse to furnish him proof of where the debt came from and where almost the {$1000.00} 'interest ' was coming from, but they also talked down to him threatening to take everything from him and told him he was n't allowed to call them more than three times a day ( after they continuously hung up on him and I ) and then when we could get ahold of them, they told us we were n't allowed to call again until the next week. After I submitted the complaint the last time, this 'debt ' he 'owes ' mysteriously disappeared from his credit report. And now, over a year later, they 've randomly put it back on his credit report as not only a new debt, but as one that 's in dispute. We have not contacted them or spoken to them in over a year and we want this off his report where it should be.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 07/31/2015 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (RI).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I have already filed XXXX complaint case # XXXX. I have received a satisfaction of judgement since the account has been paid off since XXXX, but the problem is they ( Wells Fargo ) have never reported it as a judgement, they have reported it as a collection account all along. I tried putting a dispute through the XXXX credit bureaus but they denied all XXXX in beginning of XXXX for an account paid in XXXX. I need a letter from Wells stating that the collection has been paid so I can get it fixed on credit, the satisfaction of judgement references no account number and does not show on credit report as such. I have called SEVERAL times once again and they keep giving me the run around. I need a letter that matches what they reported on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: lvnv funding is reporting on an account that has been deleted and is at least 7 years old. the original creditor is not even reporting on my credit report anymore

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: My name is XXXX XXXX and i see XXXX which i have never used. I also see an adress on file which its never been mine and i dont know about. XXXX ny thus is an adress i have never had. Need to know whats going o

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NV).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Their customer service would not help and take care of the negative inquiries reporting to your credit report. 

XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2016 about Consumer Loan (Installment loan) with WELLS FARGO & COMPANY (FL).
Issue: Managing the loan or lease

Complaint: I filled a complaint with CFPB about 45 Days ago. In this complaint I asked that Wells Fargo to stop calling me. Wells Fargo ignore this complaint and continues to call me regarding collection of this debt. Most recently I was called on XXXX XXXX at approx. XXXX, When I asked to speak to a Supervisor the Agent Hung up On Me.

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 06/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NC).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: To Whom it May Concern, My name is  XXXX   XXXX , I have been pay Navient ( formerly  XXXX   XXXX  ) for several years and I was placed in forbearance on several occasions until I found out about an income sensitive repayment plan. However, with this plan, the payments I submit to  Navient  are not going towards the principle of my loan. I initially owed Navient $  XXXX , now I am up to $  XXXX  and I pay on my account monthly with no delinquencies. I would like to have a loan forgiveness with Navient however, I was never offered this type of service. In addition to lowering my payments with part of the money going towards the principle of my account, I want to be included in the  Class Action Law Suit  against them for unfair practices and not allowing and giving adequate options to repay my loans to where I have seen progress with them. If you have any questions, please do n't hesitate to email me or contact me :  XXXX  XXXX  XXXX ,  XXXX .   Sincerely,  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: There is a charged off account reporting on my XXXX Credit file that is not mine..i requested written verification and written validation that the account was mine and i have yet to receive it ... They have not proved that the amounts nor the dates on this account are correct. The account in question is from XXXX XXXX XXXX XXXX XXXX and should be removed from my account immediately

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2017 about Checking or savings account (Other banking product or service) with WELLS FARGO & COMPANY (FL).
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint: XXXX / XXXX /  XXXX   filed claim with  Wells Fargo re ference to payment to  HOA  made  XXXX    XXXX   throug h Bill Pay and the Management company on behalf of HOA claims payment was not received. I have contacted WF b ank several times through online inquiry and via telephone as of this writing. The payment was submitted via electronic transmission. I have already retrieved proof of payment via the Bank website ; however, this information is of no use to the  HOA management company as it doe s not indicate whom is in the possession of these funds and as of what date. Therefore, I have requested  of Wells Fargo  evidence of payment such as tracer and other associated transmittal information for proof to where the funds were transmitted and received. They have indicated that there is no error on their part ; however, continually refuse to provide proof as to when, where and who is in receipt of these funds . Representatives name s on today 's call was  XXXX  and  XXXX   XXXX . Additionally,  XXXX  was urging to waist my valuable time in placing a pointless and useless conference call after business hours. The  HOA management requires that I provide this necessary information so that we may locate where the funds were  delivered. I seek your help for expeditious resolve.

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 06/17/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Account was verified through equifax but the debt collectors did not have documents to support claim. This has been an issue for over 4 years I was told the companies sent over documents but I requested copies of the document at the beginning of my dispute. But was told I need to re submit the claim and request the documents in writing even though I requested a copy of the documents in my initial dispute. The investigation of the account should have revealed there was no documents to support the claim and should have never been verified. I want a copy of the submitted documents seeing as the document were verified and the company. And there is cause for concern the bureau need to a better job of investigating matters before confirming this issues has caused me to many problems. And has had a negative impact.

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Credit line increase/decrease

Complaint: Capital one 's executive/fraud protection provides horrible service and inadequate protection for consumers. I have applied for XXXX credit limit increases and due to a fraud alert that is on my CBR, they have to call me to verify my identity. Their practices are antiquated and are not designed to protect the customer, but rather to discriminate and cause the customer undue hardship. They literally have it set up to call me once a day at the times I work. Due to me being unavailable at the time, they leave XXXX message, if they leave a message at all, explaining XXXX. I ca n't call them back to return the missed call, they ca n't call me when I am available, everything is centered around inconvenience and rude team members. I have taken this same complaint all the way to Capital one 's executive team last year in XXXX. I spoke with a nasty rude account executive and now I feel like Capital one is holding me hostage. I just have to take their subpar service and their is n't anything I can do about. At this point their practice needs to be investigated and changed. Clearly, they wo n't listen until a complaint like this is filed. I have attached a facebook conversation with capital one regarding this issue. Clearly they do n't care

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have XXXX inquiries for a single loan. XXXX from XXXX and XXXX for XXXX. I did not authorize multiple credit report to be issued for the purchase of my car.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: The bank that issued my credit card is showing on my Credit Report that I have a current balance on a credit card, yet they have no documentation on this account. The account has been closed, but they are reporting there is still a balance of {$7800.00} on this card. It is endangering my ability to refinance my home, as my credit lock is set to expire soon.

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 06/22/2017 about Debt collection (Credit card debt) with Alliance Data Card Services (NC).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: On XXXX XXXX, 2017 on or about XXXX XXXX my husband was contacted from teleohone number XXXX on his cell phone about a credit card I have in my name alone regarding payment-they proceeded to ask if he could get me on the phone about a financial matter regarding payment. He handed the phone to me and I told them not to call that number again. I am working with XXXX XXXX XXXX to resolve the debt. They did not have his cell number supplied by me and they should not be calling that number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/28/2016 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: Midland Funding continues to try and collect a debt that was discharged twice in XXXX separate bankruptcy cases. The continue to tag my Credit report as though this is some sort of new debt. 
Midland Funding XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2016 about Consumer Loan (Vehicle loan) with NISSAN MOTOR ACCEPTANCE CORPORATION (TX).
Issue: Shopping for a loan or lease

Complaint: To Whom IT May Concern ; I tried to reach a resolution on complaint XXXX with XXXX XXXX Nissan to no avail. The persons I needed to talk was always out of the office. This was totally unacceptable I was willing to surrender the vehicle. However, I now want them to consider the loan paid off with nothing against my credit. Also a apology from Texas Nissan of XXXX and XXXX XXXX for his lies, cheating and XXXX ways. He shows know respect for XXXX Vets nor their families all life matter regardless of race.

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

Complaint: I called  XXXX  who is the services my student loans multiple times to figure out why I have over  40  late payments on my student loans. I explained to the agent that my loans were in forbearance and deferment which means I was not obligated to pay the student loans those times because my payments were put on hold for the forbearance. The agent agreed that in  XXXX  my loans were in fact in forbearance, but  XXXX  would not remove the late payments. The agent then proceeded to tell me to contact the credit bureaus to see if they can remove them or wait the  7-10 years so they can fall off my credit report. I do no t think it is right to penalize someones credit worthiness by putting late payments on their student loans when they were not obligated to pay due to forbearance and deferment. I contacted all   XXXX   credit bureaus and asked if they can delete the late payments. They all declined and informed me that the original creditor would have to remove the payments. I feel as though this issue will never get resolved

Company 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 04-06-2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX XXXX, XXXX Nationstar sent me a letter requiring proof of my condominium unit owners insurance. My agent, XXXX XXXX forwarded that information to them. On XXXX XXXX, XXXX Nationstar sent me a letter titled, " PROOF OF INSURANCE RECEIVED. '' Beginning XXXX XXXX Nationstar increased my monthly mortgage payment by approximately {$400.00} claiming that my escrow account was short the amount that was required to pay for the insurance that my agent proved I had ( and their letter dated XXXX/XXXX/XXXX confirmed ). I did not pay this new mortgage amount ; instead, I paid the amount that I had been paying, {$2000.00}. For both the XXXX XXXX and XXXX XXXX payments Nationstar continued to charge the extra {$400.00}. I did not pay that money. For both of those months I paid my normal amount, {$2000.00}. Today, XXXX XXXX, XXXX I tried to pay my mortgage in the amount of {$2000.00}. Nationstar would not allow me to pay because they claim that I owe over {$3000.00}. On Thursday, XXXX XXXX, XXXX and Monday, XXXX XXXX, XXXX I spoke on the phone with representatives of Nationstar who assured me that they would take care of this matter. The person I spoke with on XX/XX/XXXX said that it would be taken care of within 2 business days. The person I spoke with on XX/XX/XXXX said that it would be taken care of within 5 business days. This has not happened.

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: The  XXXX   XXXX  Domestic Relations Section in  XXXX  Pennsylvania has been reporting alimony pende nte lite (  hereafter APL ) to all   XXXX   credit reporting agencies as " Child Support '' and placed for collection and  XXXX   XXXX  Domestic Relations as a creditor. In the  XXXX  an d Trans Union  they have it listed as a " Individual Loan '' and still listed as a Child Support loan. Not only is this a violation of the FCRA for reporting it as Child Support When in fact i am not and have not been late on Child Support payments. In fact I am over paid and have a balance they state issues me a credit every month for over p  aying.
The Domestic Relations Department stated to me in several emails and verbally on the phone that They know its being reported incorrectly but they have no other way of handling this and do it for thousands of others.       Upon making many attempts to get it correctly through  XXXX   XXXX  in writing and directly through the  Credit Reporting A gencies, I was always told it wont change.     I filed a law suit after 9 months of failed attempts and losing several credit cards and a home loan due to the misrepresenting on my credit report. The same day as filing the law suit,  XXXX   XXXX   Sent an email accepting fault and said they will fix the credit report for me. They have fixed it, but not prior to causing me enormous financial harm and damage to my reputation with creditors and with   those within our community and business relationships with my banks.     I am still proceeding through the courts with this suit, but I am writing you as I am concerned that this is happening to many others with in our community and possibly 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