milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/13/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with GC Services Limited Partnership (VA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I received 2 phone calls in the moth of XXXX for a company titled GNC. ( I think that is the name never received anything in writing ) When I asked what was it in reference to they would not give me any info stating I had to verify who I was first. I said to them, I just confirmed my name but I will not give you my address or DOB and I do n't know who you are. I even asked for a website. Nothing given so I politely asked not to be contacted by phone but to send correspondence by mail. In XXXX I received a hit on my credit report for a collections from XXXX. Long story about this with sprint I will explain at the end. I called XXXX to ask why I was sent to collections when they had just corrected my bill to the right amount the beginning of XXXX. I was told by sprint my account was at a different office and given a number to contact them. I called the number provided XXXX and low and behold it was GNC or whatever their name is. I asked to speak with a supervisor received a call back and she proceeds to tell me there is nothing she can do and ironic her office tried to contact me but I refused to give information. I told her is it normal for a representative to call and not verify who or why they are calling. I told her if they said they were calling on behalf of XXXX I would have been more inclined to talk. The manager tells me they have to protect their clients privacy. What about my privacy ... That was stupid right there. So I then asked her ok this is more trouble than it 's worth. If I pay it will this be removed she proceeds to tell me no. They will just report it as paid in full. First I was unfairly sent to collections and then you wont remove it. " Now on to how we got here '' I canceled my service with sprint on XXXX/XXXX/15 and they sent me to collections on XXXX/XXXX/15. In that time sprint had sent me a bill for {$1400.00} which was {$600.00} over what I owed. I called sprint numerous time to correct this and spoke to numerous representatives. Finally on XXXX/XXXX/15 it was corrected to what I truly owed which was {$730.00} but on the same day they sent It to collections. I never even received an adjusted statement to be given an opportunity to set up the correct payment. I called Sprint 6 times today and no one was willing to fix this problem. I have been totally railroaded by XXXX and the collection company. I had no problems paying what I owed but I wanted a correct statement. XXXX also never gave me credit for my original phone that I turned in so I am very XXXX off at this point.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/14/2015 about Credit reporting () with EQUIFAX, INC. (LA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: XXXX XXXX XXXX XXXX has reported a open balance of {$1700.00}. A lady came to my home questioning me on this amount. This balance is for a LLC. Amount is for automobile parts at a XXXX my deceased husband had XXXX XXXX XXXX. This does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2018 about Debt collection (Private student loan debt) with Navient Solutions, LLC. (MI).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I received a call on my business line from an unknown number at XXXX XXXX XX/XX/18. The person ( a woman? ) on the end of the line asked my name and to confirm my identity my providing my date of birth. I confirmed my name but I refused to give out my date of birth to the woman without her identifying herself or who she was calling on behalf of. 

After telling her this several times, she admitted that she was calling from the XXXX XXXX XXXX She said I owed {$700.00} to my former school and that I needed to pay immediately. She was incredibly rude and non-forthcoming. 

I questioned why I had not received previous correspondence about the amount I owed, especially considering that I have other accounts I have paid with XXXX XXXX XXXX. I then asked her why I would pay for something I had no bill or proof of ever owing. She did not respond to that, instead telling me again that I had to pay the full amount immediately. When I again asked her for proof, she told me that my account was transferred four times, but she did not clarify what that, transferred four times, meant. She only kept stating that it was by my former university. 

I then informed her that the law requires her to provide proof of any debt that I owe, and I had not received any letter or previous call detailing the debt she said I owed. 

After telling her, she had to provide proof of this debt, she said, " oh, so you want to contest this then? ". 

I told her that I will not pay for something I have not received proof or a bill for and that simply naming my college was not enough detail for me. 

I told her to send this information to my address and for her to never personally call me again. 

I called XXXX XXXX XXXX to speak to someone else about this supposed debt. I waited 20 mins to speak to someone before hanging up.

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 09-02-2015 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (NM).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Repeated calls and no messages. I do not believe the calls are for me, but for the person who previously had my number. There has been no written communication from the identified company, a violation of the FDCPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/30/2015 about Student loan (Non-federal student loan) with HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA) (NJ).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I have sent numerous emails and placed many calls to HESSA-NJ class loans about negotiating a feasible payment plan. The loans were taken out for my attendance at XXXX University in XXXX, PA. They wanted XXXX payment per month, but i 'm not able to afford that amount. So i started paying them XXXX per month making an effort to pay what i can afford. Now they are wage garnishing me at XXXX percent each paycheck. With my current income they are collecting XXXX per month. If nj class would simply negotiate this price with me and create a reasonable payment plan, I would pay this amount with no problem. I would even pay XXXX dollars a month, but they wo n't agree to it. Now i am in delinquency and they are taking XXXX dollars per month, which i would pay without a wage garnishment claim. This can be settled in a honest and fair way, without destroying my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2015 about Credit card () with JPMORGAN CHASE & CO. (KY).
Issue: Identity theft / Fraud / Embezzlement

Complaint: hello ive recently put myself in a very stressful situation for no reason. i thought i got frauded by a company called XXXX for {$1900.00} on XX/XX/2015. turns out i do remember talking to them, those sneaky XXXX tried to sell my timeshare. i thought that i didnt realize the charge so called into fraud department of chase and said so, and i thought nothing was being done until i got a letter saying they were doing an investigation. i called into chase acouple times and never got anybody real after the initial call and i just wanted to tell them that IT WAS NOT FRAUD, as matter of fact i remember speaking to severly people from XXXX and they were actually pretty nice, hopefully they can get the job done soon,

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Credit reporting () with EQUIFAX, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I went into XXXX without insurance in 2012 for what I found was a muscle spasm. I was discharged the same day and received a bill for {$560.00} from XXXX XXXX XXXX ( original creditor ) for their emergency services. My family was financially unable to pay that account and the account became delinquent and was reported to collections. XXXX XXXX XXXX ( original creditor ) also had charged me for the XXXX visit since their physicians were not employed by XXXX. I never received a bill from them nor did I know they would impose an additional charge for my visit. Because I did not know about this account, it was sold to a collections agency and has been sold back and forth multiple times. This makes it extremely difficult properly address the agency that owns that debt. Back in 2012 I was not properly informed of XXXX 's financial assistance program ( for which I would have undoubtedly qualified, as I presently qualify ). I recently applied for financial assistance with XXXX and was approved for full assistance. They removed all responsibility for the amount owed. Under XXXX policy and Federal guidelines, adjustments made as a result of financial assistance are also applicable to amounts billed by partner companies, such as XXXX XXXX XXXX. I tried contacting XXXX XXXX XXXX to inform them of this adjustment, however they were unable to provide any assistance since they no longer owned the balance I previously owed them. As stated, it had been sold to credit agency after agency. It is my aim to remove the unpaid status from this debt of {$570.00} through the presentation of XXXX 's charity letter and adjustment sheet attached. I would also like to remove both negative information entries originating from XXXX and XXXX XXXX XXXX as delinquency arose from unfamiliarity with hospital policy and financial instability ; not neglect or indifference. 
Having both of these accounts show up on my credit reports has been financially distressing and emotionally stressful. As a recent graduate I am eager to join the consumer market and build my credit. This incidental information has deterred progress toward building my creditworthiness but I have been persistent in obtaining credit through federal loan programs and other minor credit lenders. I ask that CFPB review the attached documents and settle my dispute fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2017 about Student loan (Federal student loan servicing) with GREAT LAKES (TX).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: On XX/XX/XXXX, I received an email from Great Lakes indicating that it had received my IDR application documents. I was not contacted to fix anything on my IDR application. I thought that I was successfully enrolled in IDR. However, I am now receiving past due notices. I am eligible for a {$0.00} IDR payment, and yet I 'm receiving past due notices of almost {$400.00}. 

I would like retroactive forbearance immediately applied to my account to bring it current. I would like my loans enrolled in IDR immediately. If Great Lakes does not have the information necessary to enroll my loans in IDR, I would like an email specifically indicating what additional information is needed to successfully complete my application.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2017 about Debt collection (I do not know) with Solidus Group LLC. (CA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: This morning my   XXXX  year old  mother and daughter in college got calls from these scumbags saying I was going to be arrested and they where looking for me or my family has a chance to settle the debt before I go to jail.

Company response to consumer: Untimely response
Consumer complaint received 10-03-2015 about Credit reporting () with FACTUAL DATA CORP. (MO).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX we took our XXXX son to our XXXX for his XXXX visit at witch he was to have a XXXX. XXXX had a set of XXXX taken at his XXXX appointment. The nurse came back out and said the doctor wanted a XXXX set of XXXX knowing our plan most likely would not cover a XXXX set I told her to call our XXXX plan and get them ok 'd first seeingnext years befits would start XX/XX/XXXX, less then 15 days and I flatly said we could not afford an out of pocket charge and we would have to wait until next mouth. when she returned we when informed that no our plan would not cover it, but, they had already taken the XX/XX/XXXX all ready and that we would be billed for the service we had said no too. at that point I flatly stated we had not authorized them. seeing as the XXXX were the only service preform at that point we left and then took XXXX to another XXXX XX/XX/XXXX. I believed the matter closed until we moved back to Missouri and started the process of buying the home we own now, only then did I find out the bogus bill had been turned over for collection. I contacted the billing company and explained the matter and heck would freeze before I payee this garbage. got our home loan again all seemed fine until we started a refinance of our house to make some improvements only too again hear from another outfit ( XXXX XXXX ) again asking for XXXX dollar for the same invalid charges! I 'm so mad and tired of fighting those XXXX I ca n't stand it, how long will I have too keep dealing with this? We are being held for ransom, if we do n't pay this we may not get our loan. for over 5 years this has been hurting our credit and I want justis! please for the love of God can you do something about these rip off XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I disputed the previous address information Equifax has listed. I explained in the dispute that these addresses are not related to me and my current address should be the only on listed. Equifax continues to report this information keeping me exposed to fraud. 
Also I have documents from XXXX stating the account they have listed on my profile should be removed. Please update and delete these items right away.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/31/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have a tax lien reporting on my Transunion credit file due to having unpaid taxes i had to pay to the state of Georgia. Around XX/XX/XXXX, I had received a letter from the state of Georgia saying that I owed at that time, {$810.00} to the state due to taxes that I filed back in XX/XX/XXXX. After receiving this notice, I immediately contacted Georgia Department of Revenue to get this taken care of which I did. I made payments over a period of about 10 months which totaled {$810.00}. I made these payments hoping nothing bad would come out of this and everything would be ok after its paid off. Well, I went to go try to finance a car and the dealer immediately turned me away due to having a tax lien on my credit report. At that time, I did not know what a tax lien was or how it even got on my credit file until I found out that it came from not paying my state taxes. As soon as I found out where it came from, I took aggressive action in trying to remove this from my credit file by disputing this with Transunion. Even with paperwork that i have showing that it was released in XX/XX/XXXX, they refuse to remove this and tell me that it is reporting accurately and will remain on my credit file. I just dont understand why after something I have paid in full, and something that does n't even pertain to them, why they just do n't remove it after years of it being on my credit file and being paid. Its not hurting Transunion! It 's hurting ME! Its literally keeping me from obtaining credit at many places. I am begging you, PLEASE ... PLEASE help me! I am trying to and wanting a better future for my family and I and this is really hurting it right now. Thank you so much for allowing me to write and submit this letter to you. I hope you will understand and see why I want this removed. Thank you again.

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 04-12-2017 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Despite my multiple written requests, the unverified items : XXXX, XXXX, and multiple unauthorized inquiries from XXXX XXXX to XXXX XXXX, still remain on my credit report in violation of Federal law. In their results of re-investigation, Experian stated, in writing " verified '' that these items are being " reported correctly ''? Experian still has not identified who in their company verified the accuracy of these accounts or how they verified them. Experian 's failure to provide me with verifiable proof required for their company to post the accounts listed above is evidence that it does not exist and therefore is proof that they ca n't properly " Verify '' the accuracy of any of the disputed accounts. Under section 611 ( 5 ) ( A ) of the FCRA, Experian is required to " promptly delete all information which can not be verified. The law states that Experian must be willing and able to produce a document in their files that proves the account ( s ) /inquires belong to me/or they was given permissiable purpose to pull my credit report. Someone must authenticate the documents in my files that was used to verify the disputed information, and to do this they must have 1st hand knowledge of the alleged accounts ( s ) and all that has ever transpired for the alleged account ( s ) /inquiries. Experian has failed to do this after several letters and phone calls.

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 05/15/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with TRANSWORLD SYSTEMS INC (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I had a bill from XXXX, which I *never* received. XXXX transferred it to a debt collection company - " XXXX '' XXXX XXXX, which I called and PAID on XXXX XXXX. I have the confirm number for this payment. I now have a new bill from Transworld Systems for the very same bill, XXXX... It is as if fedex ( or the creditors ) would like to keep collecting from me over and over.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2016 about Debt collection (I do not know) with SANTANDER CONSUMER USA HOLDINGS INC. (VA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: In a clearance interview a company was reported that I was not aware of. My credit report revealed a company SANTANDER Consumer U was owed XXXX plus from XXXX. I had never heard of this company, nor entered any agreement with them. I did have a car repossessed in XXXX I believe with an outstanding balance, but I never knew what it was because the car was sold at auction. I do know that it could not have been more than XXXX or XXXX XXXX if that much. They are reporting XXXX as outstanding with the last payment in XXXX. This is not correct. I am soon to face a XXXX because of this report to my credit. I did not know who this company was therefor I also appeared untruthful. I have made several financial mistakes in my life an am not the brightest in this area. But this can not be right. Only XXXX is reporting this debt. If I cant resolve this my military service could be in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION ().
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint: Someone using Bank of America Credit Card Services signed up for E-Statements using my Email address instead of theirs. 

I contacted Bank of America by phone and email several times to alert them to the obvious privacy issues. The instead treated me like a criminal and no corrective actions were taken. 

I am still receiving someone else 's E-Statements. There is no unsubscribe link. 

If someone was getting my E-Statements they alerted my bank to this blatant issue, I would hope that my bank would try to correct this.

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 10-09-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: TRANSUNINION HAS OUTDATED IDENTIFYING INFORMATION ON MY CREDIT REPORT WHICH NEEDS TO BE REMOVED.

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 05/18/2016 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: PNC Mortgage made a double payment out of my escrow on XX/XX/XXXX and XX/XX/XXXX to pay for my homeowners insurance causing my escrow to go into the negative. XXXX XXXX only has a record of 1 payment posting on XX/XX/XXXX. I am now missing {$1000.00} from my escrow due to this double payment. I have notified them via their Secure Message site on XXXX and on XXXX submitted a Notice of Error on their Secure Message site by which they must respond timely as required by RESPA. As of the evening of XX/XX/XXXX, I have still received NO response from this mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2017 about Checking or savings account (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (TX).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: In early XXXX, USAA restricted my online account access preventing me from viewing all my accounts including my checking account. Since then I have not received an account statement, nor have I been sent any instructions as to how I go about moving the money in that account to another bank. I was notified the account was closed on the phone after it had already been closed, yet have not received any notices in writing as to the cause or reason for this. I have repeatedly asked for an explanation as well as instruction on accessing the money I have there with no response. It is preventing me from paying bills, accessing funds, viewing the account for accuracy or viewing my past statements which were all delivered electronically. Thus I am unable to even view my past statements. Basically USAA has decided to take my funds in my checking account including my social security XXXX check which was being directly deposited into the account. It 's been close to two months now, and they have been no help. I need my money returned and access to view all transactions for the account.

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