milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/26/2016 about Debt collection (Medical) with Collection Information Bureau, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: DOCTORS BUSINESS BUREAU ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Phone : ( XXXX ) XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear XXXX : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you DOCTORS BUSINESS BUREAUor any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : DOCTORS BUSINESS BUREAU or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (AL).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I 'm XXXX, disalbled, after an accident at work in 2013, i lost my truck, my home, my wife, my job, @ now I 'm losing what XXXX I had left, before I could pay my bills, now I ca n't, I do n't have anything that this co.Midland funding can take, without the food stamps I get each month, i would n't be able to eat atleast one week a month.after I pay rent, water, serus, lights, @ my insurance, i have about {$92.00} left, I have nothing they can take, i have no dignity left, i have nothing, now they are sueing me in XXXX co court, '' XXXX, if they had bothered to check they would see the only money I get is my XXXX rent an apartment, i have no car, no truck, '' nothing. " Please can y'all help me, im afraid they will take whatitg little I get, @ I, ll be out in the street.i ca n't pay any laser to help me " can y'all help?

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 about Student loan (Private student loan) with CITIBANK, N.A. (NY).
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint: I write to complain about the debt collection conduct of Citibank, XXXX XXXX, and XXXX XXXX XXXX. I owe about {$30000.00} on a private student loan I took out with Citibank to attend XXXX school in XXXX XXXX XXXX. I graduated in XX/XX/XXXX, and was working in the XXXX XXXX XXXX XXXX XXXX position when I injured my XXXX. The injury occurred two years ago, and as a result I had to stop working. I got XXXX, and, only now have been able to start looking for a job. I have used up my savings as well as the financial good will of my friends and family to maintain payments on these loans. As of XX/XX/XXXX, I no longer can pay the loans. <P/>I called Citibank well before XX/XX/XXXX and advised them of that i was running out of savings and income and that i would need some sort of accommodation until i could find work. Citibank told me I was only entitled to 12 months of forbearance and that I had already used that up sometime during the 9 or 10 years that I have been in repayment. Citibank began calling me in XX/XX/XXXX, telling me i was late on my payment. Every time they called I explained my XXXX problem and how it stopped me from working and that I had used up my savings. Citibank then transferred the case to a new servicer, XXXX. XXXX began calling on XX/XX/XXXX, demanding that I make payments. I continued to explain my financial situation, and asked if there were any options to help. The answer was no. XXXX has since called relentlessly, sometimes several times a day, telling me this isnt a debt you can ignore, and threatening to report me to the credit agency. <P/>I have similar problems repaying loans held by XXXX XXXX.. XXXX gave me one-month forbearance for XX/XX/XXXX, but says I must make six more months of payments before I can access the remaining 3 months of forbearance. This is not possible.

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 08-04-2017 about Student loan (Private student loan) with The Regional Adjustment Bureau, Incorporated (NJ).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Since XX/XX/XXXX I have contacted XXXX lender and the collection agency Regional Adjustment Bureau ( " RAB INC '' ), several times to get clarification about the loan balance details because they doubled the balance of the student loan from $ XXXX to $ XXXX. When I requested the detail information I found that the original lender may have changed and at the moment I do n't know who is the lender. Currently I am in collections and they have told me I have different balances : first $ XXXX, then $ XXXX and now $ XXXX. When I recently called them XX/XX/XXXX they informed that my balance was {$65000.00} but denied to give me any details ; at the same time I was asking them about affordable options to repay the debt, including a rehabilitation program that they have information about posted on on their website " Regional Adjustment Bureau, Inc '' ; they indicated that I do not qualify for that, but at this point I do n't trust them with the information. I need clarity about the balances and details about interest and fees as well as options to rehabilitate the loan. My impression is that excessive fees and interest are being added to the loan. I need obtain accurate information. Also, I need to know who is the Lender and how to get in contact with them.

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 11/14/2016 about Mortgage (FHA mortgage) with Specialized Loan Servicing LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: On XX/XX/2016, I received a letter from Specialized Loan Servicing ( SLS ) illustrating that I was approved for a modification ; however, my mortgage payment is NOT more affordable. In fact, the payment is virtually the same. SLS also did not consider my application for the forbearance option. Moreover, SLS appears to have recorded my income incorrectly, despite a Letter of Explanation they requested and received on XX/XX/2016.

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 04-02-2015 about Credit card () with DISCOVER BANK (IL).
Issue: Credit card protection / Debt protection

Complaint: For a medical service my wife made an advance payment/booking on XXXX XXXX XX/XX/2014 using my credit card ( since they offered XXXX time yearly discount during that period ). The payment was done via phone. The transaction was not a signed transaction. 
My wife was supposed to receive the service by XXXX but she re-scheduled the appointment to XXXX due to her medical condition. She called that clinic by XXXX and the number did not go through. So she waited for a week more and did not get any response either. When we personally went to the place to our surprise the place was locked and no attendees to address our concern. 
This is a huge amount for us and we did not except the company will not render the service they have paid for. 
Later when we researched on internet and found that the servicing company has filed bankruptcy. 
We raised a dispute with the bank and a temporary credit was provided for the amount. Now after investigation the bank had denied the dispute mentioning no sufficient documentation. 
Kindly let me know what can be done at this stage?

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-06-2016 about Money transfers (International money transfer) with PAYPAL HOLDINGS INC. (NC).
Issue: Fraud or scam

Complaint: This guy is a hacker who has done illegal things i contacted him asking if he could get me items for XXXX $ ( not illegal ) in a game on steam he said sure i gave him the items i wanted sent the money then he blocked me and i ca n't refund it or chargeback or anything

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have multiple inquiries on my credit file that i did not approve or have knowledge about and they are fraudulent.

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 03-09-2018 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: Personal information incorrect

Complaint: Experian Report # XXXX For - XX/XX/XXXX Personal Information : Names : Shows my name right and spell right on this Report.

Issue with Experian keeps adding wrong names and address and other various information on my credit report.

Experian Report # XXXX For XX/XX/XXXX Personal information : Names Shows on this report added 2 names XXXX XXXX & XXXX in which does not show on Report # XXXX -XX/XX/XXXX now I have these 2 names showing that have not ever been on my credit reports.

Experian keeps adding information after I request wrong information be removed.

It makes no sense to keep creating names and address on my credit files I have the last past reports and Experian keeps creating information on my report.

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 02/26/2017 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (IN).
Issue: Fraud or scam

Complaint: I noticed XXXX unauthorized charges were made to my bank debit card by PAYPAL. When I contacted Paypal ( representative as well as her supervisor ), I was informed that my account in on hold since XX/XX/XXXX because of certain verification information is needed. I questioned how can they make an unauthorized or authorized withdrawal from an account that is on hold or pending some verification? It is my understanding that they should not be able to withdraw from my account either if my account was under verification, and if they did, they should be able to refund the amounts on request. I question the legitimacy of their practice that when an account is pending verification, they can take the money out of that account but will not refund it under the same status even if those charges are unauthorized and fraudulent. 

Following XXXX charges are unauthorized ; XXXX/XXXX/XXXX {$10.00} MERCHANT PAYMENT PAYPAL XXXX - XXXX XXXX XXXX/XXXX/XXXX {$10.00} MERCHANT PAYMENT PAYPAL XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX {$2.00} MERCHANT PAYMENT PAYPAL XXXX - XXXX XXXX/XXXX/XXXX {$2.00} MERCHANT PAYMENT PAYPAL XXXX - XXXX Following charge was authorized, taken from my bank account, but never paid to vendor nor Paypal will refund it to me : XXXX/XXXX/XXXX {$7.00} MERCHANT PAYMENT PAYPAL *XXXX -

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Hello, I have reached out to you in reference to an XXXX account reporting on my credit as open when it should be closed. I have contacted XXXX and they have stated they cant find an account for me, which is odd as i have given them all the correct information because i filled the complaint through the CFPB, Which means the account is not validated with your company.Please look into this as well. there is a 3 year prescription law in the state of Louisiana and the remedy is you can not continue to collect or re age old debts, further more this company is not registered in the state of Louisiana to collect debt ( XXXX ). Please properly investigate and delete. 

Thanks : )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Mortgage (Conventional home mortgage) with PENNYMAC LOAN SERVICES, LLC. (FL).
Issue: Trouble during payment process

Complaint: PennyMac services my loan and recently on the statement they have removed the PMI line item in the " transactions from last statement ''. I still pay for PMI and my full payment amount is the same. I just feel that they have changed the statement to hide the PMI charges. Why else would they remove the line item for " Mortgage Insurance Disbursement ''? I believe this to be unethical and misleading to customers. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2016 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (IL).
Issue: Loan modification,collection,foreclosure

Complaint: I have requested the following documents about my mortgage from SPS but the website keeps giving me an error message. 

Note Rider ( s ) Mortgage/Deed of Trust Truth in Lending Statement HUD-1 Settlement Statement Additionally, SPS has stuck me with a loan modification program that has a large balloon payment. I need help. Please remove the third installment of the principal that was forgiven and tell me if you can either remove additional principal or make the loan fully amortized. 

Additionally, I also wish to stop escrowing for taxes and insurance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Resurgent Capital Services L.P. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Debt was acquired under an inaccurate/false charge. 
I disputed this debt XX/XX/2012, XXXX resubmitted it two years latter without my being given the opportunity to dispute the XXXX collection submittion. 
Debt is in collection and effecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Equifax continues to report incorrect infromation on my credit report. XXXX XXXX XXXX accounts XXXX and XXXX, issued a XXXX. Equifax needs to update their records showing that there is a XXXX balance as they are showing an open balance. Also, they are reporting incorrect data on XXXX acct # XXXX, as this account was a faudulate and should be removed from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-03-2017 about Checking or savings account (Other banking product or service) with Hello Digit, Inc (WI).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: I use  XXXX  which is a personal micro savings app. The service uses an app to study your back account and your spending habits to make micro withdrawals from your account for savings. The service also promises to cover overdraft fees if the app does n't do this properly or withdraws money that causes an overdraft. I am complaining because I am not being given the full overdraft reimbursement.       On Friday  XXXX   XXXX   XXXX  took  XXXX  withdrawals of {$62.00} and {$53.00}. I was not alerted to this fact and only found out because my bank sent me an alert.  XXXX  has never taken this much from my account in  one d ay before. I attempted to withdraw the money and was told by the app that it would not be available until Wednesday  XXXX   XXXX   XXXX  ). During this time I attempted to withdraw money from other  XXXX  savings to stop the overdraft fees, but it was not enough because I have set up pre planned payments that the app should be aware of. I immediately contacted   XXXX   on Friday  XXXX   XXXX   XXXX  ) and was told by the representative that the money would not be available until Wednesday  XXXX   XXXX   XXXX  ) and I also told her that because of this I will overdraft significantly. She responded that it was  XXXX  policy to cover overdraft fees and asked for screenshots.     Fast forward to this Tuesday when I now have  XXXX  NSF fees and after many emails to the rep I am told that   XXXX   is not responsible for the overdraft fees and that they will only be reimbursing me {$15.00}. I was upset because if that large amount had not been taken I would not be in this situation right now. My account would have been fully covered.     I asked to speak with management and was given the same spiel that   XXXX   was not the cause, but  XXXX  caused this snowball effect. It is supposed to be smart enough to know my bank account and given my time with the app it would be obvious that taking that much money in one day would not work for me. I feel as if this company is trying to find a simple loophole to avoid responsibility. My account would have been fully covered if the app would have taken the normal amount it usually does.     I feel like   XXXX   is not honoring their agreement. I have closed my account. I now have  XXXX  NSF fees and I was only able to access the money they took today (  XXXX   XXXX  ). The money wo n't post until tomorrow which will balloon this problem even further.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I have contacted XXXX numerous times and the final time was X/XX/2017, about not being able to access my credit file. I was told that information was incorrect in my file and that i would need to send a copy of my Social Security card and Drivers licence. I have complained and called many times regarding not being able to access my information. The Customer service agent began to read out information that was totally incorrect in my file. I believe that the information contained in my credit profile is wrong and unauthorized. I asked to have unauthorized inquires and unknown addresses removed in a letter that was previously sent to XXXX. I never received a response regarding that letter.
This poor handling of my personal information has made it very hard for me to obtain credit and move forward with a positive quality of life.

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 11-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: There are several accounts that are past the statute of limitations, duplications and the student loans through XXXX XXXX XXXX XXXX are ALL being re paid and should NOT reflect in a collection status. Please correct these ASAP

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 04-12-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (KY).
Issue: Account opening, closing, or management

Complaint: Chase made a decision to close my account abruptly without notifying me. There has been no history of overdraft nor balance in the red

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Navient put my account on Deferment and Forbearance as a " courtesy '' without my knowledge, when I enrolled part time in online classes. Interest still accrued of course, while my automatic payment debits were paused for 1 year. Therefore, they secretly accrued more interest without my knowledge. After a 1 year deferment, they rolled on a 2 month forbearance as a " courtesy so that I did n't get surprised when the deferment dropped off '' according to their agent on the telephone. Makes no sense, if its on automatic payments another 2 months of forbearance is not a courtesy. Furthermore, their communications to me in email are all using vague language and so I never knew these changes were being made to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX employee came to my apartment offering XXXX XXXX and never stated anything about having to do a hard credit inquiry but lo and behold I receive my updated credit report and there is now a hard inquiry from XXXX on my report. I called many different departments trying to get XXXX to remove this inquiry and after being transferred to over 5 different numbers I was told that they would not do anything to address my concern. I did not give this employee permission to do a credit check nor was I advised that such was being done and I do not think it is fair that XXXX ( who has been sued in 2017, as I researched online ) for not disclosing this information to potential customers. This has the potential to damage my credit unnecessarily and I hope that you can provide some assistance with this issue. Thanks!

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