milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-02-2018 about Debt collection (I do not know) with PNC Bank N.A. (PA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Fraudulent activity was made through my account, and my accounts were depleted. The bank was notified as soon as this occurred but took no action to protect my account. A police report was filed. The bank refused to discuss the fraud and told me to contact the bank that caused fraudulent activity on my account. I contacted the bank and a representative reported that the bank that had my account had to initiate the contact. When I contacted my bank a representative told me to contact the company who issued a fraudulent charge. In essence, I have been given a runaround for a year. Now the bank has contacted me, instead of the bank that depleted my account, with a collection notice. I believe both banks are at fault and should be charged with fraud related to elderly persons. Today, I read on a website that this occurs in other states.What can really be done to have this fixed? I am receiving collection bills for fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Portfolio Recovery continues to call my cell phone several times a day from different long distance phone numbers each day including Sundays. I explain that I 'm not able to make any arrangements at this time and they continue to push me about payments until I get upset and have to hang up the phone on them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/30/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (IA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: On  XXXX / XXXX /  XXXX   I deposited 3 checks totaling {$1700.00} into my Chase checking account. The checks were initially put on hold for 2 days  ( 2 checks from other financial institutions )  and 9 days ( a personal check ). Subsequent to those delays my account was frozen and I was not allowed access to any of the money in my account including those checks. I called Chase on the  XXXX  and the  XXXX  of the month trying to understand the issue. On the  XXXX  I was informed that there was nothing that they could do and that my account would be closed and I would receive a check for the balance. After my call on the  XXXX  I contacted and confirmed with the three issuers of the checks that all  3  checks had been cashed and the money had been withdrawn from the accounts.     On the  XXXX  I received a check for the balance in my account less the {$1700.00} and on the  XXXX  I called Chase a  XXXX  time. I was informed again that there was nothing they could do and the balance on my account had been zeroed. During the call I suggested to the Chase rep that the money had been lost by them and he said " that is correct. '' He then retracted that statement when I challenged him on it. At this point I do not know how to proceed.

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
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 DO NOT HAVE A LOAN EVER WITH  XXXX   XXXX  #  XXXX  THIS DOES NOT BELONG TO 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 07/27/2017 about Debt collection (Other debt) with Prosper Marketplace, Inc. (CT).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: DEFAMATION OF CHARACTER Notice of pending litigation seeking relief of monetary damages under FCRA Section 616 + Section 617. Final written attempt to amicably resolve your continued willful violation of the Fair credit reporting act regarding your refusal to delete all of the UNVERIFIED/INACCURATE account information from my consumer file. Despite my three written request items listed still remain on my credit report in violation of Federal law. In the results of your reinvestigation you stated in writing " VERIFIED '' that these items are being " Reported Correctly ''. You still have not identified who verified accuracy and how the accounts were verified.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Dept of ed. {$63000.00} Tax lien {$82000.00} First Merchant {$1800.00} Tax lien XXXX {$430.00} Tax lien {$13000.00} On several attempt I have contacted the bureau to investigate these account due to the being fraudulent account and or doesn't belong to me. I have asked that they investigate them and sen me supporting document and not just say that the account was verified as that is what happened. The felled to comply and send supporting document as I feel sas if the account may not have been investigated properly.

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 non-monetary relief
Consumer complaint received 05-02-2015 about Debt collection (Credit card) with GRYPHON CORP. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: A company I worked for had a business credit card account with XXXX Bank XXXX for 12 years. After 12 years of never reporting this information on my credit report, XXXX reported the account as a charge-off on my personal credit report in XX/XX/2015 without advising me first. I had never even opened the account. The Company paid and closed the account in full and XXXX and their collection agency indicated the information would be removed from my report or showed as Paid In Full with no derogatory information. The account now shows as paid but is reporting as derogatory still despite several calls and assurances from them this would be taken care of. I have exemplary credit besides this and it is impacting my credit. XXXX claims they have reported the information to XXXX correctly yet XXXX has not updated and will not provide any response.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2017 about Debt collection (I do not know) with AFNI INC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I reviewed my credit report and observed that AFNI conducted a hard hit inquiry that I did not authorize. AFNI has previously attemted to collect a debt that is not mine. After I filed a complaint with the Consumer Financial Protection Bureau, AFNI withdrew from attempting to collect a debt that I did not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2017 about Credit reporting () with Revenue Assurance Professionals LLC (TX).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I believe my ex wife is not reporting my address/phone number to the pediatric doctor 's office our children go to. About two years ago, I discovered 3 charge off for medical bills from XXXX in XXXX, XXXX. The collection agency 's name is Consolidated Recovery Systems which also is in XXXX. After reviewing my report, I contacted XXXX and advised them I did not receive a phone call nor any bills from them. The call taker advised my ex-wife had told them she did not have any contact information on me in which she does. I also did not receive any phone call or written notification from consolidated recovery regarding the charge offs. Now I have the same problem again where I just pulled my credit report and found a {$91.00} charge off from XXXX from XX/XX/XXXX and it was updated on my credit report by consolidated recovery on XX/XX/XXXX. My ex-wife has my address and phone number and when I last spoke to XXXX, my number was the same as it is today. I relocated to XXXX, XXXX in XX/XX/XXXX and I have not received a phone call nor a letter from XXXX or consolidated recovery regarding this adverse account. Please help because I do n't understand how I 'm constantly receiving charge offs without notification and it 's damaging my credit. Had I not pulled my credit, I would n't have known about the charge off. It seems to me, there are no thorough attempts to contact consumers from consolidated recovery before they report charge offs. With technology today, It is not hard to locate anyone so I do n't understand why I 'm not being contacted. Whether my ex-wife is intentionally not reporting my address ( responsible party ) or the pediatric office fails to make attempts, I would expect consolidated recovery systems to do their due diligence before placing a charge offs on my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2015 about Mortgage (FHA mortgage) with FLAGSTAR BANK, FSB (IL).
Issue: Loan modification,collection,foreclosure

Complaint: On XXXX XXXX, 2015, I contacted my lender, Flagstar Bank to inform them that my loan payment would be 4 days late due to being unemployed. I did the same thing in XXXX and they were very helpful, did n't charge me a late fee, and did n't abuse me verbally. This time when I called, the agent, named XXXX was horribly rude, repeating himself to me as if I was a child. I told him he was being rude and asked to speak to his supervisor XXXX XXXX. She got on the phone and began telling me I had a chapter XXXX bankruptcy on my account that I had n't reaffirmed on, and they could n't talk to me about my account. I DID reaffirm on my mortgage and emailed XXXX proof. She proceeded to tell me that they could call me everyday, all day starting on the XXXX of the month if they had n't received my payment. I have been with Flagstar Bank for seven years, have always paid my loan on the XXXX of the month, which is during my grace period, and never received harassing phone calls. XXXX XXXX XXXX at XXXX am, the phone calls started, and I believe that XXXX XXXX, the supervisor had a lot to do with this harassing phone call. There was no need for a phone call of this manner, as I had informed Flagstar Bank twice on XXXX XXXX, that the loan would be a few days late. The lady on the phone this morning told me she was going to " hunt me down '', she told me she was going to call me every day, all day, even on Sunday, until my payment was made. I told her I was going to change my number, and she told me to " go ahead, I 'll find you. '' This is a very unprofessional, and harassing way to deal with a customer, and I do n't feel I should have been treated so horribly, especially since I called 3 days earlier to inform them of my financial situation, and when the loan would be paid. I felt I had no other choice but to call XXXX XXXX XXXX and have my landline disconnected on Monday XXXX XXXX, and a new phone number issued on the XXXX in order to prevent further harassment from this company. I find it a bit odd, that after 7 years of paying on the XXXX of each month, I 'm suddenly now being harassed by Flagstar Bank, and I believe XXXX XXXX is responsible for the phone call I received this morning.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2016 about Debt collection (I do not know) with CAPITAL ONE FINANCIAL CORPORATION (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX and XXXX acknowledged Capital One Credit Card was fraud account and they removed them off of my credit report. Capital One is doing whatever possible to continue to mess up my credit report when the was removed because they could not validate any purchases I made on their card nor did I receive a card yet activated so they were investigation. I need them to stop selling my personal information to other companies when I did not owe them they now got The bureau on my credit report. Capital One to stop these fraud transfer to dept collector.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Mid-America Accounts Control Bureau, Inc. (VA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I 'm sure you are aware of the provisions in the Fair Debt Collection Practices Act XXXX FDCPA XXXX. However, I would like to point out that your company has violated provisions of the FDCPA by implying that the legal status of the debt is collectible by reporting the alleged debt to the credit bureaus. The exact statute : XXXX 15 USC 1692e ] ( 2 ) The false representation of -- ( A ) the legal status of the alleged debtand ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. 
I am also doubtful that you would have adequate documentation to prove in court that you have the right to report this negative information on my credit report, and therefore you are in violation of the Fair Credit Reporting Act as well as the FDCPA. However, I will give you the chance to prove that you are lawfully entitled to report this information by requesting an investigation. 

I do not believe I owe what you say I owe therefore I dispute this debt. I am well aware of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and my state laws so I hope to save XXXX us a great deal of time by letting you know that not only do I dispute the validity of this debt, I have also checked with my State Attorney General and verified that the Statute of Limitations for enforcing this type of debt through the courts in XXXX, Virginia has expired. Therefore, should you decide to pursue this matter in court I intend to inform the court of my dispute of this debt and that the " statute of limitations '' has expired. 
This complaint is your formal notification that I consider this matter closed and demand that you, or anyone affiliated with your company, stop contacting me by phone on any number, regarding this or any other matter. You may contact me in writing to advise me that your debt collection efforts are being terminated or that you or the creditor are taking specific actions allowed by the FDCPA or my state laws. 
Be advised that I consider any contact not in accordance with the Fair Debt Collection Practices Act a serious violation of the law and will immediately report any violations to my State Attorney General, to the Federal Trade Commission and, if necessary, take whatever legal action is necessary to protect myself. Be advised that I tape record all phone calls and violations of the FDCPA can result in you or your company being personally fined up to {$1000.00}. 

Now remove these erroneous items from my credit reports immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/18/2016 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: good morning 3 years I got control of my house through the court. my ex husband has no say so on I what can do. I was trying my best in responding with owcen I had mailed and fax, scan with all the paperwork I was required for loan modification. all I want is to pay on the house in three years I maintain the house inside and out still no word. I mention to them if anything is mailed with XXXX XXXX XXXX on it I will not see it. he filed for bankrupt which I did not know. Saturday this lady drop by house telling me the is on forecloser and they suing me, my ex-husband and hud, I had wrote to Hud and they told me to contact your service. let me know if I need to get a lawyer, I want to stay at my home. I feel this is injustice when all I want to pay. this is my ocwen acct # XXXX. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have disputed this account on many occasions with XXXX, XXXX and Transunion and each time it comes back as Verified. 
Creditor reports Date of Last Payment XXXX payment history has No Reporting

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 07/30/2015 about Consumer Loan (Vehicle loan) with TCF NATIONAL BANK (AZ).
Issue: Problems when you are unable to pay

Complaint: As stated by the FDCPA ( A debt collector may not contact you at inconvenient times or places, such as before XXXX in the morning or after XXXX at night, unless you agree to it. And collectors may not contact you at work if they 're told ( orally or in writing ) that you 're not allowed to get calls there. ) This morning, XXXX/XXXX/2015, I received XXXX phone calls prior to XXXX from Gateway One Lending XXXX XXXX at XXXX, XXXX, XXXX and XXXX, evidenced by phone records and screen shots of my call log taken on my cell phone. I also received an email from XXXX XXXX at XXXX.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 08-06-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: An unknown address has been filed under army TransUnion credit report. I believe it is a fraudulent address because the same address was used on my FedLoan account within the last 3 months.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I have XXXX loans handled by Navient. When I submitted an income driven repayment application in XX/XX/XXXX, they acknowledged that they had received it. ( XXXX, which has another loan of mine, acknowledged it, too, and I had not issues with them. ) However, they continued to bill me for a huge amount of money saying that the paperwork was being " processed. '' Eventually, I was required to submit additional information that I had already submitted with a subsequent delay until a time came when I just stayed on the phone with them for over an hour making them figure it out. They apologized and said that I owed them nothing. However, they apparently were accruing late fees that they did n't tell me about and now are saying that I Have to pay more than {$300.00} in late fees, some of which they claim were on my account from XX/XX/XXXX when I was in XXXX school full time and had a deferral. They will not help me on the phone other than to say they will " review '' it. They are charging me more than double what XXXX is on my current income driven payment plan, even though my loan amount is half at Navient. I feel like they are purposefully engaging in unethical activity in order to try to get more money out of me than is fair. I am perfectly willing to pay the money I owe and do n't even care that my monthly payment is higher at Navient than at XXXX. What I care about is that they are unfairly penalizing me for issues that are their fault not mine. They have been uniformly difficult to deal with and have had " hidden costs '' that feel like they are trying to trick me into paying more than I should.

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2016 about Student loan (Federal student loan servicing) with NELNET, INC. (TN).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: In XXXX 2011 I requested a deferment of my loans due to being diagnosed with XXXX and not being able to make payments. The deferment was granted, but I made a mistake on paperwork which resulted in delinquencies being reported. When I realized this, I contacted Nelnet. Nelnet agreed that the months reported as late would be corrected and my deferment would be retroactive. I recently learned that this never happened. I filed a dispute with the credit agencies, but the dispute was denied by Nelnet.

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX XXXX Account Ending in XXXX This card reflects delinquency in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. However, this account has payment protection on it. First, the card had been attempting to collect on the delinquent payment and knew it was due to a job loss, but never applied the credit protection program that I had been paying for ( a subsequent bill is attached showing the charge for credit protection ). <P/>Specifically, please pay attention to pay 5 of the attached where it reflects the charge for the credit protection as :XX/XX/XXXX CREDIT PROTECT XXXX XXXX XXXX XXXX {$1.00}, I have had this protection program since the accepting the card. <P/>Additionally, once the payment protection program was contacted they were to make all back payments, as well as remove the negative marks as it was an essential part of acceptance of the credit card as I had a reasonable expectation under the UCC section 2-201, that the minimum monthly payments would be made during the time of my job loss, and no derogatory marks be reported at inception and as a result of the promises made by the credit protection team. Further, the fact that XXXX XXXX XXXX attempted to collect on the debt knowing I had lost my job and not applying the credit protection program during our first communication in XXXX is a violation of UCC section 1-304, as XXXX XXXX XXXX was acting without good faith and with unclean hands.

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