milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-02-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (MI).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I owed an outstanding balance of {$120.00} to XXXX XXXX XXXX for a land-line service that I no longer needed. I paid the outstanding amount of {$120.00}, based on my billing statment from XXXX XXXX XXXX ( including late fees & penalties ). I had no indication other than that XXXX XXXX XXXX accepted my payment in full. 

It appears that XXXX XXXX XXXX either sent this debt to XXXX different Debt Collection Agencies or this debt was sold from one debt collector to another ( XXXX XXXX XXXX phone XXXX ) and ( AFNI phone XXXX ). Both debt collectors are based in MN. One company ( XXXX. XXXX XXXX ) submitted this information to the Credit Reporting Agencies twice, using a different account number, so it showed up twice on my credit report. Some time after, the other Debt Collection Company ( AFNI ) reported the same debt with somewhat different information, to the Credit Reporting Agencies, using yet another different account number. This resulted in this SAME debt being listed 3 times on my credit report, even though the debt had already been paided in full ( based on my billing stmt ) directly to XXXX XXXX XXXX ( confirmed pmt received {$120.00} on XXXX/XXXX/2014 ). I filed several disputes with the Credit Reporting Agencies, explaining that this debt had been paid in full directly to the original creditor and that there were multiple listings of the same debt on my credit profile. The result of the dispute was that they removed one of the OLDEST debt collection records from my credit report ( which would have removed from my credit profile soonest ) and update the remaining NEWER debt collection company record with the INACCURATE information of " settled-less than full balance. The account had already been closed. This debt was " paid-in-full, based on the last billing statement ( including late fees and penalties ) from XXXX XXXX XXXX. A debt collector should not be able to request more than the amount of the outstanding debt. 

My contention is that my credit profile should not be negatively affected by the mistakes of XXXX seperate debt collectors reporting different information on the same debt. Who decides which one is valid? Why was the oldest record removed and not the newest? Can one debt collection company sell a debt to another, thus possibly increasing the time that the information remains on my credit profile? 

Because of these obvious mistakes in reporting by XXXX different debt collectors and the fact that my debt had already been paid directly to, and accecpted by, the original debt holder ( XXXX XXXX XXXX ), I contend that this erroneous and arbitrarily selected remaining debt collection record still remaining on my credit profile for AFNI, should be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2017 about Debt collection (Payday loan debt) with Bliksum, LLC (CA).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: X/XX/17- I called the ( XXXX ) XXXX number to which it was answered " XXXX XXXX. '' I advised I was calling back to find out about a debt. I spoke with a male ( dont recall him identifying himself by name ). Advised him that I was calling about my debt and wanted to make arrangements. He asked how much I could pay and I said I could pay {$100.00} today and at least {$100.00} a month. Naturally, I advised I would pay more if I could- which I did NOT expect him to take my word for it, but wanted to mention it because I DO want to clear up my debt. He commented " that 's not how it works '' and put me on hold. He said they would not authorize that small of a payment and lectured me on fees and interest. I asked what they would accept and he said {$190.00} and some change with the first payment being in XX/XX/XXXX etc. I asked for it in WRITING and advised I would pay by mail to which he became very unprofessional and said that was not possible. I told him I wanted to make payments but I would not allow them access to my bank account for automatic payments as I 've had a bad experience with this in the past. He refused to send anything by mail- I have NOT received ANYTHING from Practice Financial by mail at all. I can not even find what appears to be the correct company on the internet. I called back and asked for a supervisor who was XXXX ( long last name that I could n't understand ) explained the situation and how unprofessional the first man was and he became just as unprofessional and rude. Again, would not allow by mail payments and questioned my debt paying practices and why I would get this loan if I ca n't pay it etc. I do n't appreciate being badgered. I have worked with the public since I was XXXX and I can not imagine talking to someone the way they talked to me- I was in tears by the end of the phone call. He kept mentioning that if we end the call, the company would litigate against me ... but would not accept my payments by mail ... therefore he was REFUSING to take money to pay on the debt and would not make any options for me to resume paying down my debt and taking care of it. By telling me " if we end this call, we will litigate against you '' I felt I had to stay on the phone and continue being harassed, humiliated, belittled and badgered and I finally could not take the abuse anymore- I ended the call with " See you in court. '' I have EVERY intention of repaying this debt- unfortunately circumstances did prevent me from taking care of it and allowing it to get this far. Everyone has a story, so I 'll save mine. But if I ca n't work with them, how can I repay? Abuse is not ok.

Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I was unaware of the {$230.00} debt, as I never received a bill. I tried to contact XXXX, who charged off the account to XXXX. I never received any collection materials regarding this debt. XXXX charged the debt off to XXXX XXXX XXXX, who supposedly gave the account to the XXXX XXXX Law Firm in Arizona. When I called the law firm and spoke with XXXX XXXX on XXXX/XXXX/15, they have no records of this account. I gave them the account number that is on my credit report and my social security number and nothing came up with my owing any debt. I tried to contact XXXX, Transunion and XXXX to resolve this issue, by either paying off the debt or having it removed from my credit report, but there is no way to speak with a live person at any of the bureau 's, as everything is automated and no customer service representatives are available to discuss credit disputes. I have no idea what I supposedly purchased, as no one can provide me with this information. My credit score used to be over XXXX and now it is in the XXXX 's, due to this debt, which is reported XXXX on my credit report, as XXXX charged it off to another lender, XXXX. Why do we as consumers have no other way of disputing these issues other than through the Consumer Finance.gov or by a letter being sent to these companies. The Credit Bureaus are causing a lot of damage to my credit score and I may not even be responsible for this debt. XXXX told me that the bill was returned from the post office as undeliverable. I have lived on this street for XXXX years, so I found this to be difficult to understand. I need help removing this debt from my credit report and will be sending each company a letter requesting the removal of this debt. I should be able to find out what was purchased, but no one can provide me with this information. If someone could tell me what was purchased and I did in fact purchase the item, than I would pay off the debt. I have never received any letters or calls from this Law firm, so I believe this whole reporting incident is in error. Please advise me as to what my next step should be. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with WELLS FARGO & COMPANY (CA).
Issue: Fraud or scam

Complaint: On XX/XX/XXXX I reserved a condo in XXXX XXXX and transferred {$800.00} to the " owner '' of the condo through the XXXX app in my Wells Fargo 's online bank account. After the money was transferred, the " owner '' of the condo cut off communication with me and I have n't heard from him since. I opened a claim through Wells Fargo and it was closed. I re-opened the claim and a representative of the bank called me yesterday stating I would not be receiving my money back.

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 09-08-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Loan servicing, payments, escrow account

Complaint: My loan and the escrow account was established XXXX XXXX, 2015. In XXXX I was advised my new escrow payment would be going up to {$470.00} from {$310.00}. They have made several errors even paid my insurance company three times in error. I have asked for an explanation and a compromise, their explanations have been from none to very confusing.

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 08/25/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Hi ive had years of turmoil with XXXX XXXX and navient in which they took advantage of me when I was younger- giving false information- Ive been charged a series of late fees and high interest- I am now swimming in student loan debt.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX 's client XXXX XXXX is an identity theft victim. Her information was used without her consent to apply for credit cards. A XXXX XXXX XXXX card/XXXX XXXX card was applied for X/XX/2016 however the application was not approved but the fraudulent inquiry was found on her Equifax credit report. A dispute of this inquiry was sent to XXXX XXXX XXXX as well as Equifax however the inquiry was verified as " accurate '' even though a police report was provided indicating this activity was fraudulent which is a violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have a collection account on my transuion report XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX fro {$87.00}, and i dont owe them nor do i know who they are.

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 09/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO).
Issue: Problem with fraud alerts or security freezes

Complaint: DATE : XXXX/XXXX/XXXX contacted TransUnion for a credit freeze. Talked to XXXX. 
ISSUE/COMPLAINT : TransUnion will not do a credit freeze, unless I send them a copy of my social security ( SS ) card ( via mail/fax ). However, this was not due to TransUnion questioning who I was because during this same call they did other actions for me regarding my information, just refused to do a credit freeze. 

BACKGROUND : Because of the XXXX security breach - my husband and I began the process of putting a freeze on our information with all 3 credit rating companies. My husband 's security freezes all went through. Mine went through with XXXX and XXXX. However, TransUnion will not freeze my account until I send them a hard copy of my social security card. They DID however ( in that same phone call ) put a 'fraud alert ' on the account and changed some information for me that was not accurate ( deleted a name listed that was incorrect ). My complaint is that TransUnion is refusing to do a credit freeze until I send a copy of my SS card : 1 ) I do n't want to send a copy of my SS card info through the mail or via fax, not safe. And, as the recent security breach shows, these companies can not keep my information safe. 2 ) Why should I pay for special handling so they can have a copy? 3 ) they already know my SS #, I had to provide it when I was attempting to do the freeze. Since they already have my SS #, why do they need a hard copy? 4 ) TransUnion did not provide a good clear understandable reason as to why they need this copy of my SS card-they just got irritated when asked this question. The only reason they provided was it was necessary " to update correct information '' ... however ( as I said above ) they already have this information ( my SS # ).
How can a credit rating company refuse to freeze your information until you send a copy of your SS card? I am simply trying to be a proactive consumer and protect myself from the vulnerability that the credit rating industry has potentially placed me in ( e.g., XXXX security breach ). However, the credit rating  industry is making it difficult for me to protect my information by making demands before they will take protective actions and they are not providing a good strong reason for their demands.

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 05/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CORELOGIC INC (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I   am writing to dispute the following information in my file. I recently received a copy of my credit reports (  XXXX ,  XXXX ,  XXXX  ). The credit report showed credit inquiries that I dont recall authorizing. I understand that you should not be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file with all  XXXX  credit bureau agencies because it is making it very difficult for me to acquire credit.
The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order Please remove these inquiries from my credit reports immediately.

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 06/23/2017 about Checking or savings account (Checking account) with PNC Bank N.A. (IN).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I have checked my account balance online on my app and it has a different amount than what is posted on the app called XXXX. This happen today XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Knight Adjustment Bureau (UT).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I withdrew my son from XXXX XXXX XXXX by writing and sent through the mail. They are claiming they never received it and are charging me 2 months of daycare that was never used. I submitted the dispute along with papers to their collection agency, Knights Adjustment bureau. I agreed I would pay the 2 week-ish that was owed to XXXX XXXX, but would not pay for the 2 months they were charging me, but they would not accept it. I have continued to dispute this on my credit reports. I have yet to receive any sign contracts or anything from them. They even have gone after my sons father for this debt and put it on his credit reports, but he never provided a SSN to them or signed anything. 
( I can supply copies of documents if needed. I 'm not at home to attach them )

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 05/25/2015 about Debt collection (Credit card) with Weltman, Weinberg & Reis Co., L.P.A. (PA).
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint: XXXX XX/XX/XXXX I was served summons XXXX. XXXX Weltman , Weinberg & Reis these companies are n't licensed in Pennsylvania checked on sec. states. I did find XXXX XXXX XXXX XXXX Entity Number XXXX. 

Sued By XXXX XX/XX/XXXX through its servicing Agent XXXX. XXXX Weltman , Weinberg & Reis judgment {$6800.00}. Kept paying WW & R until XX/XX/XXXX discovered not Licensed. 

Magisterial District number XX/XX/XXXX XXXX XXXX XXXX docket Number XXXX Plaintiff XXXX Bank through its servicing Agent, XXXX XXXX Weltman , Weinberg & Reis CO. , LPA XXXX XXXX XXXX, XXXX XXXX XXXX PA XXXX. Attorney Name XXXX XXXX XXXX Attorney ID XXXX. XXXX XXXX or WW & R Ca n't find on Pennsylvania Sec. StatesOn NMLS Debt Management and Debt Settlement licenses, Found XXXX Bank XXXX XXXX, DE XXXX NMLS I .D XXXX, MLO XXXX does n't specified Debt management or settlement found XXXX Bank License/Registration # : XXXX Mortgage Lender License Weltman , Weinberg & Reis licensed in XXXX XXXX FL. XXXX XXXX XXXX OH. XXXX XXXX XXXX OH., and XXXX for Debt Management or settlement not in Pennsylvania. 

XX/XX/XXXX Checking account Garnished in RE : In the court of common Pleas of XXXX XXXX, Pennsylvania Case XXXX of XXXX Bank through it servicing Agent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX bank XXXX. attorney XXXX XXXX XXXX PA Attorney ID : XXXX XXXX XXXX XXXX XXXX XXXX was served with a writ of execution and interrogatories to garnish checking account. XXXX XXXX Bank on XXXX charged {$190.00} for legal Fee. 

Hearing on XX/XX/XXXX In the court of Common Pleas XXXX XXXX, Pennsylvania XXXX Bank, Through its service agent XXXX Plaintiff XXXX XXXX XXXX, XXXX PA ID XXXX Attorney vs defendant XXXX XXXX XXXX Civil Action XXXX of 2013. Ca n't find XXXX XXXX XXXX, XXXX or XXXX on Pennsylvania Sec. States. 

I have been lied to for 3 years from this SO Called Law Firm.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2017 about Debt collection (I do not know) with RGS Financial, Inc. (KS).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I contacted RGS regarding an item on my credit bureau. I advised them I did not believe the item was not mine. RGS never disputed the account and then tried to use deleting the tradeline as a ne gotiation tactic to get me to release any legal claims against them.     The attached documentation will clearly show that  RGS  is not disputing, disputed accounts resulting in unfair reporting to credit bureaus and additionally has created an un-fair collection practice for which the least sophisticated debtor would have to use " Magic words '' in order to have their account disputed. They are friverously disregarding FDCPA and FCRA in conjunction with their attorney  XXXX   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 08-09-2017 about Debt collection (Other debt) with Resurgent Capital Services L.P. (PR).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On XX/XX/XXXX sent certified letter to LVNV Funding LLC to validate account and provide information on this account. They acknowledged receipt of this letter on XX/XX/XXXX signed by XXXX XXXX. Until this day, 4 months to be precise, I have not received any communication validating this account. I am enclosing the letter sent to LVNV Funding LLC and acknowledge receipt card.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2016 about Consumer Loan (Vehicle loan) with HYUNDAI CAPITAL AMERICA (FL).
Issue: Managing the loan or lease

Complaint: i bought a new car thru kia finance the monthly payments are due on the XXXX of every month I enrolled in auto pay to have it withdrawn automatically from my checking account on the XXXX of every month, I called to cancel auto pay because I decided to pay myself on the due date every month I was told that my DUE DATE was changed to the XXXX instead of just my request for auto pay on the XXXX when I brought this to the attention of XXXX supervisors I was informed that the DUE DATE could not be changed for a year!!! I explained that it was an error on their part not mine and was told that there was nothing they can do they made the mistake I never wanted the DUE DATE changed

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2016 about Debt collection (Medical) with Senex Services Corp. (IN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have been in contact with the original creditor on this account that is over 7 years old. At the time of service I had insurance and the company shows that my insurance paid the bill an that I no longer owe them anything. While waiting on my insurance to pay the counseling office Senex bought this account and has reported it to my credit. I have tried to contact them through certified mail for them to remove this off my account, they will not respond to my mailing. I have called them and they refuse to communicate with me just demand that I pay them even though the account is not owed any money. They have now been violation of my rights for over 30 days, and refuse to delete the account. Todays recorded conversation shows a new violation the lady was able to tell me what procedure I had done with who I meet that day and medical conditions therefore violating my HIPAA rights. I have this recorded on my phone as I have been keeping all documents and recordings with this company. I have all my credit reports for the past year every 3 weeks I collect them and they fail to update my report or remove themselves from my reports.

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