milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/21/2018 about Debt collection (Payday loan debt) with Advance America, Cash Advance Centers, Inc. (CA).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: XXXX XXXX XXXX XXXX, ALSO XXXX XXXX XXXX  ARE TRYING TO COLLECT FOR ADVANCE AMERICA. XXXX CONTACTED MY MOTHER AND GAVE HER INFORMATION ABOUT MY DEBT, THEY TOLD HER THEY WERE GOING TO TAKE ME TO COURT IF I DIDN'T PAYED WHAT I OWED. SHE TOLD THEM TO STOP CALLING AND THEY KEEP ON CALLING, THEY SENT HER A TEXT MESSAGE AS WELL. I NEVER USED HER AS A REFERENCE, I DO NOT UNDERSTAND WHY THEY CALL HER. I CALLED THE COMPANY TODAY AND I STATED THAT I HAD NO MONEY AND THEY NEEDED TO STOP CALLING ME AND MY MOTHER, THE LADY I SPOKE WITH SAID THAT SHE WAS GOING TO KEEP CALLING ME EVERY DAY AND THAT I NEEDED TO ASK SOMEONE FOR MONEY TO PAY, THAT THE MONEY WASN'T GIVEN TO ME FOR FREE, I TOLD HER TO STOP CALLING ME AND SHE SAID NO, WHEN I TOLD HER THAT ACCORDING TO THE FDCPA RULES SHE HAD TO STOP CALLING ME, SHE HUNG UP.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (IN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: XXXX XXXX, AND ALL AFFIATES HAVE SINCE XXXX VIOLATED T.C.P.A., F.D.C.P.A,  F.C.R.A. AND COLLECTING ZOMBIE DEBT. 

FINALLY, ENCORE CAPITAL AND XXXX COMPANIES HAVE VIOLATED : " THE XXXX XXXX XXXX XXXX AND CONSUMER PROTECTION ACT 2009 H.R. 4173 ( 11Th ) CFPB 2013 TITLE X, INFRACTIONS ABROAD. 

SEE ATTACHED EXHIBITS AND DISCOVERY

Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
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 ). I have previously asked all three ( 3 ) credit bureaus : XXXX, TransUnion and XXXX to disclose how they have verified the bankruptcy information that is being reported on my credit report. I have asked that the following information be provided with the proof of verification : Method of Verification If the listing gets verified and remains you have the right to request the credit reporting agencies method of verification. Request the credit reporting agencies send you the following : ( a ) The name of the courthouse ; ( b ) the persons name they verified the dispute with ; ( c ) the address ; ( d ) the telephone number ; and ( e ) the documentation used to verify the dispute. II ) To date I have yet to receive the requested information. I have been told that pursuant to the Bureau 's investigation, that the reported information is correct. III ) FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) regarding procedures and results of re-investigation states in pertinent part, " if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available IV ) Credit reporting agencies are required to conduct investigations of disputed items with the furnisher of information. V ) Pursuant to FCRA, Section 611, the Bankruptcy Court is the furnisher of information, and not a third party source such as XXXX or XXXX XXXX. VI ) None of the Bureau 's have provided evidence that they have conducted a direct investigation with the Bankruptcy Court. VII ) Furthermore, in XXXX 2017, I III ) In XXXX 2017, I confirmed with Bankruptcy Court listed below that it does not directly report to the credit bureaus. This would explain the inability of any of the Consumer Reporting Bureaus in providing the requested information. U.S. Bankruptcy Court XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX VIII ) For the reasons provided above, the credit reporting agencies are in violation of FCRA, Section 611. In conclusion, the reported Bankruptcy information should be deleted.

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 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: As a part of EquifaxXXXX, I am trying to get my required one free copy of my credit report from all 3 companies through the XXXX which is the federally recognized site for such a free copy once per year. HOWEVER, 1 ) XXXX is not available as an option, it is grayed out so it cant even be checked. 2 ) Equifax makes you fill the entire form out, answer your security questions and then upon verification REFUSES to provide the free report online but is making you mail in your request with all kinds of additional documentation. 3 ) XXXX - after filling out the required form, I am sent to XXXX 's website to obtain the free report, however, the page is gray with the word " loading ... '' on it but after 5 minutes, and repeat attempts, it never gets past this page ... .YET IF I GO THROUGH XXXX XXXX PAID OPTION and pay the initial monthly {$5.00} fee ( {$25.00} every month thereafter if you forget to cancel ), somehow, magically, I am able to get my credit report from XXXX and the other 2 .... WHAT THE XXXX GUYS! THIS IS INSANITY AND XXXX. PLEASE HELP US CONSUMERS FIX THIS AND HOLD THESE COMPANIES FEET TO THE FIRE, THIS IS NOT OKAY.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have disputed the XXXX bankrupty in all credit report the bankrupty are 10 plus years old Chapter XXXX and Chapter XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: On XX/XX/XXXX, I wrote to Experian and XXXX to get a Federal Tax Lien dating back to XX/XX/XXXX removed. The allowable reporting period of 7 years has been exceeded. Neither credit bureau responded or made a change to my credit 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 04/16/2015 about Debt collection (I do not know) with Stellar Recovery, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: For the past year, or more, scince changing phone and changing to new phone Number, I 've been receiving intimidating, harassing, threatening leagal action against myself if I do n't respond : by various debt collection Agencies, claiming it is regarding ( I believe ficticious ) a person - XXXX Constanamous..? Attached to this phone number..? At XXXX I tried to understand and set the record straight about I 'm not this person, I did n't write this ( ese ) bad check ( s ), and they always promised they would correct their records and take my phone number off their call list. It would be a couple of months and then the calls would start over and it seems other collecting agenies would be added, as if they must be passing my phone number and the erroneous information on this " bad debt '' to other new collection agencies. I 've contacted my phone carrier, XXXX XXXX, who only suggested changing to a different number ( at my expense/inconvience ) but as they recycle numbers, they can offer no guarentees of who or what might be attached to the new number..? This last month and a half I 've logged up to XXXX Voicemails of these intimidating harassing Phonecalls and contacted them and they '' ve continued with the same lie that they 'll correct their records and remove my phone number from their call list. A particular XXXX - Tier XXXXXXXX, XXXX XXXX & phone # XXXX XXXX XXXX & # XXXX XXXX XXXX referencing some file # XXXX after just promising yesterday XX/XX/2015, to update and correct their records proceeded to call with their intimidating, harassing phone calls again today the XX/XX/2015.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with U.S. BANCORP (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received repeated phone calls on my cell phone in XXXX from a debt collection firm regarding a bank account, that I closed, with a little over a {$2.00} balance, which was held at US Bank. Apparently US Bank did not close my account and kept my account open. US Bank then proceeded to charge me an account maintenance fee of {$4.00}. This {$4.00} maintenance fee, that actually never existed when I had the account open, overdrafted my account. US Bank then proceeded to charge me an overdraft fee, among many other fees. I never received any notice in the mail from US Bank that any of this was even happening. Eventually, over {$170.00} later to be exact, US Bank sent my account to collections with an outside company. I then received non-stop phone calls everyday from an unknown number. When I finally answered the unknown caller, the person on the phone was extremely rude, demanded that I pay the amount immediately, and refused to acknowledge that one, I closed the account, and XXXX, that I filed bankruptcy. The harassing phone calls then stopped, only after I informed the debt collector that I would be filing harassment charges if they did n't stop. XXXX years have passed, and most recently, over the last XXXX weeks now, I have been receiving phone calls almost everyday. My number has changed XXXX or XXXX times since the last harassing phone calls, so I am not sure why/how this debt collector keeps finding my number to harass me. Today I gave them my attorney 's name and my bankruptcy case number, and I am hoping this will resolve their issues.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida Upon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen I have included a copy of the police report attached to this letter I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; DIVERSIFIED XXXX # XXXX XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX XXXX ACC # XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2015 about Mortgage (Home equity loan or line of credit) with TD BANK US HOLDING COMPANY (DE).
Issue: Application, originator, mortgage broker

Complaint: My current credit rating is between XXXX. We have approximately XXXX in credit on our principle property. I applied for a loan with TD bank in the amount XXXX for debt consildation. The sent me a letter stating I was tentatively approved for the loan. They requested documents pertaining to my existing loan XXXX proof of insurance, XXXX, etc and gave me three days to get paperwork together. XXXX letter wa predated one week prior to receipt ). Once all documents were in place, TD bank requested additional documents not previously documented in letter. My husband and I also own a rental property we are in the process of selling. After two months, I received a call from XXXX XXXX XXXX stating my loan is declined due to loss of money from our rental property. We are renting it at a XXXX loss/month. I strongly believe the denial of this loan is race based. I have a very strong credit rating and have never defaulted on a loan. We also have positive equity with XXXX properties. Their explanation is nothing short of preposterous!

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2017 about Checking or savings account (Checking account) with FIRST NATIONAL BANK OF PENNSYLVANIA (PA).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: I submitted a complaint through CFPB and they said that the {$37.00} fee would be refunded to me on XX/XX/XXXX and it HAS N'T been done. Response from original complaint. On XXXX XXXX, 2017, FNB issued you a one-time courtesy refund of OD Fees in the amount of {$37.00}. I need this done like XXXX XXXX XXXX said it would be and I have no further questions or need to speak to anyone on the phone. If you care about my business and want this to be finally resolved then I expect XXXX XXXX XXXX to make sure it gets done. Please respond back to this complaint when it is truly done and I can pull it up in my online banking and see it done, I realize it will now be done after the XX/XX/XXXXbut need this done ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2016 about Credit reporting () with EQUIFAX, INC. (NV).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I disputed XXXX accounts with equifax. the accounts were XXXX from XXXX. equifax reported : We have verified that this item has been reported correctly. We have verified that the last payment date is reporting correctly. This creditor/agency has verified to OUR company that the date of last activity is being reported correctly. We have verified that the date closed is reporting correctly. how can they verify those items above when my documents prove otherwise. its like XXXX and EQ dont care about the consumer. EQ will just go along with what ever XXXX says. 
but they did not verify account history with status codes and late payments. they did not verify that i had a veteran XXXX discharge on XXXX XXXX XXXX and was XXXX on XX/XX/XXXX by SSA . thus they are not verifying all info on tradeline and saying the account stays on credit report due to lack of their own verifying of whole tradeline the payment history is wrong. and saying transferred to government. when the loan was discharged the loans were still with XXXX. i have disputed and disputed with the CRA 'S and XXXX yet they keep reporting the same wrong info. equifax has many pages of documents i uploaded proving my position. yet they dont verify all info on the accounts,. these XXXX accounts have already been deleted on experian. how much XXXX and frustration do i have to deal with on these accounts. i feel like equifax and XXXX are in collusion on this. i an XXXX XXXX with XXXX, XXXX, XXXX. its hard to fight these guys over and over. you will see the account numbers are different from experian to XXXX to equifax. i have uploaded the EQ dispute result and the EQ full credit report

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: In XX/XX/XXXX, I chose to begin working with a debt management company XXXX XXXX XXXX. XXXX sent proposals to all of my creditors and were able to work out payment arrangements with all of them including XXXX XXXX. XXXX XXXX was going to be paid $ XXXX monthly until the account was paid off. These payments were made every month from XX/XX/XXXX until the account was paid off recently. However, in XX/XX/XXXX, four months into the payment plan, XXXX XXXX reported my account as being 30 days past due. The following month in XX/XX/XXXX, XXXX XXXX then updated my account to show that I am not past due at all. However, they were only paid $ XXXX/month and no payment had been missed. I have contacted XXXX XXXX months ago, in regards to having the mark on my credit report showing 30 days past due removed. I disputed this on my credit report and XXXX XXXX chose at that time to not reverse the mistake. I spoke to a manager who then told me that it was their error and that they will work on getting it corrected but it would take 60-90 days. That was almost a year ago. I then contacted XXXX XXXX recently in regards to the same issue. I escalated this up to management who informed me that I needed to send in a letter and a copy of all three of my credit reports showing the error, and they would send it to their credit bureau team. This was not explained to me previously and I was told is the reason why nothing had been done. I had this expedited so that I would not have to wait another 60-90 days. Even after having this expedited, I received the reply that XXXX XXXX would not be correcting my credit report. This has been proven to be XXXX XXXX 's fault and they have marked my credit for one month which no other creditor has done. I am showing up to date with ALL of my other accounts with every creditor through the same months and XXXX XXXX admits ( and the credit report shows ) that payment was made every month to the account. I am not asking for a lot, I would just like XXXX XXXX to take this inaccuracy off my credit report so I can move on from them for good.

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 05/23/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I have been paying my student loan  6-7  days ahead of time and {$20.00} more than the minimum payment amount for over 5 years. I recently moved from the  XXXX   XXXX  to the  XXXX   XXXX . My bank on the  XXXX   XXXX  is not on the  XXXX   XXXX . I opened a new bank account here. I made changes online to my Navient account on    XXXX   XXXX   XXXX     . I filled out information for my new bank online and signed up for auto debit. I received an error message online following my submission. I called to follow up with  Navient  who said everything had been processed, my next payment would be taken from my new account, and my old account had been deleted.     Two months pass and I receive notice from my previous bank on the  XXXX   XXXX  that my account is negative {$300.00} due to multiple attempts by Navient to collect my payments from this old account. I spent  4  hours on the phone with Navient as well as my old bank to resolve this issue. Navient claims they did not remove the payment. My bank claims they did not send the payment. Both parties are blaming the other. I was responsible and did what I should to make sure my payments remained current, and ended up spending  4+  hours on the phone and paying {$120.00} just to settle the situation although it was no fault of my own.     It is completely absurd that people who are paid and titled " customer service representatives '' expect you to figure out who made the mistake and send them supporting documentation to fix the error when the error was clearly either my bank or Navient. I believe it was Navient because I have several other accounts that I had no problem transitioning to a new bank for payment.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: On XX/XX/XXXX there was a {$200.00} ATM withdraw from my bank account that I did not make. I was so suprised because my card was still in my wallet ... So I called Chase as soon as I realized the amount was taken which was the next morning XX/XX/XXXX around XXXX XXXX. I filed a fraud claim and they credited my account {$200.00} while they investigated. I thought great they will check them ATM camera since it was at there own branch ill get my money back it 's not as bad as it could have been. NO I WAS WRONG!!! I recieved a email to call chase so I called chase and they need more info to resolve my fraud case. They asked if had my debit card, if I ever used this ATM and other basic info I answer I had my card and that was the bank actors the street from work and I opened my account there. I was then told they would email me there response. I did n't think I woukd receive a email on XX/XX/XXXX stating they are reversing the {$200.00} credit. In shock I called Chase and was told that since I had my card and used the same ATM I could not prove it was n't me and that there is NO way someone could make a card with a chip and take money out of a ATM .... pretty much acusing me of takimg my own money out!!! Wow!!!! I asked them did they review the camera they said no u need a subpenoa to get the footage!!! I was flabbergasted how could they allow someone to walk up to the ATM take my money and tell me sorry you owe us NOW and are charging me overdraft fees returning payments! I have now filed a police report and trying to obtain a subpenoa to get the camera footage to prove my innocence and get my hard earned money back. Can you please help me with this this unethical company!!! I was a loyal customer for 8+ years and never expected that someone could steal my money and I would have no protection. Please share I know chase is doing this to more people and it 's just wrong.

Company response to consumer: Closed with monetary relief