milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/28/2015 about Debt collection (I do not know) with AFNI INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This company has recently tried contacting me again and again regarding a debt that I do n't even know about. I have settled alllllll of my payments with my cellular company and however they dispersed the funds is their business. Recently I disputed this account with the credit bureaus and it came back verified and they even re-aged it and said I owed a balance and that nothing was ever paid. I am utterly confused by this companies tactics and would like them investigated please. This account is so old I have no paperwork to provide They have passed the statue of limitations in everyday to report to my XXXX credit reports or to connect or attempt to collect anything from any one in my family. They even spoke to my mother, while asking for me, and she was utterly confused. Please make them go away and have them remove their account # XXXX from my credit reports immediately. I will pursue litigation if necessary, they are very aggressive. I have settled all payments I have ever had and they have recently contacted me again, I believe them to be attempting to re-collect a debt in full again. I am not sure. They have no right calling me and leaving me automated voicemails on my cellular. I do not know who this company is and I would like them investigated for harassing me. II have read the websites and have heard horror stories of this company and now I am a victim over a few hundred bucks. This account is false and illegal placed on my records. have not had any debt issues over seven years.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2015 about Credit reporting () with EQUIFAX, INC. (MO).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: Paid for Credit Monitoring, XXXX, {$19.00} per month, XXXX/XXXX/15 called back XXXX/XXXX/15 at approx XXXX : XXXX to cancel and was told that you could not cancel XXXX, they would charge. They would cancel it effective XXXX XXXX. I explained that I did not have a opportunity to really understand what I had signed up for. Since I had a chance to talk to other and realize I already had similar services, I called back to cancel and they said " TOO BAD ''. I would like my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2017 about Credit card () with ENCORE CAPITAL GROUP INC. (KY).
Issue: Sale of account

Complaint: I had a credit card with XXXX and filed Chapter XXXX Bankruptcy which was discharged in XX/XX/XXXX. However, some creditors were left off and an Amended Schedule and Certificate was filed by my attorney in XX/XX/XXXX. XXXX was included and notified. 

In XX/XX/XXXX they sold the debt to Midland Funding which has refused to acknowledge the debt was settled in bankruptcy. I have given them the documents three times and spoke to them on the phone. One Midland Funding employee told me the bankruptcy document needed to have Midland Funding on it. That is complete stupidity. 

They have reported it to all XXXX credit bureaus and keep verifying it so that it ca n't be removed because they bought it in XX/XX/XXXX. XXXX should have never sold it to them. This company is in violation of the US Bankruptcy laws and FRCA. I have reported them to the Kentucky Attorney General 's office. 

If it ca n't be resolved then my next step is legal action against them.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I viewed my credit report with Equifax online on XX/XX/XXXX, report # XXXX. I found incorrect information involving inquiries by an unknown co. ( XXXX XXXX ( this one affects my credit score ) and XXXX XXXX XXXX dated XX/XX/XXXX ) also incorrect town of residence ( it says it was reported in XX/XX/XXXXthat I lived in XXXX Pa XXXX ( I'v lived at my present address in XXXX, Pa since XXXX ) and an inquiry by XXXX XXXX XXXX XX/XX/XXXX . I'v never applied to XXXX XXXX for Ins. as far as I can remember. Equifax only lets you file a dispute if your accts. or creditor info is wrong. They do not give you an opportunity to correct the information that I listed above. Nineteen yrs at the same address is important I think for any possible creditors to see and my credit info does not show that. The inquiry from XXXX XXXX on XX/XX/XXXX was a hard inquiry which means it affects my credit score, and an inquiry by XXXX XXXX while not affecting my credit score, is at the bottom of a long list of insurance companies that I was trying to find a better rate with. I did not go to XXXX XXXX because my car was too old by that time to qualify for their new car replacement option. Equifax does not give the opportunity to remove or dispute any of this type of information.

Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2017 about Debt collection (Other debt) with U.S. Collections West, Inc. (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I spoke to a collector there by the name of XXXX on XXXX-2017 at XXXX XXXX at ( XXXX ) XXXX in regards to account collector did not give mini miranda at begining of call was very rude i told her account was to be removed from my report it was not a valid debt apartment was full of roaches and complex let me leave with no fees owed. XXXX said she did not care she was going to garnish my wages with no valid judgement and keep reporting account another 7 years then hung up on me

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (NH).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: I have a private loan through one of my first colleges and it was previously XXXX XXXX and when I became currently XXXX this was the only company that all the sudden went from XXXX XXXX to this company which is a collector or whatever I 've been making payments for the last five almost 6 years and my balance has not gone down at all and when I called them they said well if you want to pay the full balance you can do that I explained again that I 'm XXXX XXXX and on a fixed income All of my other loans XXXX signed offer my doctor due to low income and the stress of dealing with all of it because it causes me XXXX when I get stressed out or end up in the hospital and I 've called them before saying why is my bounds going down my been paying consistently for the last 5-6 years and they said because your interest-rate and it 's never going to go down you 're just gon na keep paying until u are willing to pay more. They do n't care I ca n't afford it they are making a lot of month off me over the years this should have been paid long time ago but wo n't work with me on interest rates or anything plus this small amount could have been gone had they not sold to this company

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2017 about Debt collection (Other debt) with ERC (AZ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The original debt went into collections over 8 years ago. Keeps being sold and the original date keeps changing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NV).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Hello, I checked my 3 credit reports and saw a bad remark that is on my report and is NOT mine. It says {$1100.00} XXXX XXXX XXXX. XXXX XXXX. Never had I ever signed up for XXXX XXXX  and I have 0 negative remarks on my credit. So far this has showed up on my equifax and XXXX report and I demand they remove it. This is damaging my credit report! This just showed on my report this month and I have NO idea why this is on my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-12-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX/ Pinnacle Credit Services is attempting to collect on a debt that I do not owe. I never received the service for which I am being charged. XXXX XXXX was not even allowed in my area at the time.

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2017 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (NV).
Issue: Loan servicing, payments, escrow account

Complaint: Seterus will not send me a monthly statement on our Mortgage despite several phone calls. 
I have also asked them to fax statement and they state that they can not send to e fax. 
I can not access information online. I have sent a letter requesting statement and received a non responsive answer to my request. 
I need monthly statement for another Bank ( XXXX ) that I am trying to work out a loan modification on. They will not move forward on my modification until I obtain Seterus 's statement.

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2015 about Debt collection (Credit card) with Resurgent Capital Services L.P. (MD).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: LVNV funding has been illegally reporting a debt as a new collection on a monthly basis to credit bureaus. Amount attempting to be recovered is grossly incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2016 about Prepaid card (Government benefit payment card) with NETSPEND CORPORATION (NC).
Issue: Unauthorized transactions/trans. issues

Complaint: This is fraud as well. Between XXXX, my personal information was being used by some unidentified person. I got a XXXX card to have my XXXX payments direct deposited on to it. When I would go to get my funds, the funds disappeared. The funds that were in a pending deposit status disappeared and there were several unauthorized transactions on my card. I had only XXXX card. Now as I am attempting to rectify the situation with all that has been damaged by this, I requested a copy of my statement. I was told by customer service that there was XXXX cards in my name. Obviously, I never had XXXX cards. I requested the statements approximately 2 months ago and the company continuously makes excuses as to why I can not retrieve them. Under the statue of limitations, financial institutions are required to keep statements on file for 7 years. I was then told because my account was closed I could not get the statements. This was all after I was first told I would receive them via e-mail within 48 hours. I later received an e-mail stating they needed documents from me after they had verified my information. I refused to give out personal information to a company that stole my money. A representative in the corporate office named XXXX XXXX contacted me and told me they needed the documents due to the fraud on my account. They know there was fraud but they never paid me for the fraudulent transactions or the money that was taken. XXXX told me as soon as I sent the information he would release my statements. I sent the information immediately and received an e-mail stating they received my information and I would have my statements within 48 hours. Again, I waited and no statements. I contacted Netspend yet again via e-mail. My e-mail went ignored. I e-mailed XXXX XXXX directly and that e-mail went ignored. Finally when I told him I would be filing a complaint he said they did not receive my identification which is a lie. At any rate, I sent over my identification again. XXXX then said the attachment was blank. Another lie. I sent it again and then followed up with an e-mail. XXXX ignored my e-mail and has not responded. Evidently, they do not want me to see the transactions and realize it was them themselves who stole the money. I have read about the same thing occurring with other people with this very same crooked company. i asked XXXX why he would n't just make good on the money taken. He did not respond. The bottom line is XXXX stole money from my card, made false transactions and will not supply me with my statements that I have been requesting for two months or more.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2018 about Debt collection (Payday loan debt) with COMMUNITY CHOICE FINANCIAL, INC. (CA).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: Cashcentral is trying to collect for a payday loan ( s ) from XX/XX/XXXX acct numbers XXXX  and XXXX. I have had the same phone number since XX/XX/XXXX. Instead of calling me they had another company call my brother in NY, 2500 miles away. My brother is almost XXXX years old and lives with my XXXX  year old mother. The only reason to call my family and not me is to harass them to intimidate me. When I call the bill collecter at XXXX the collector refuses to give me the name of the company, the address or a real phone number. They gave me an address as a XXXX XXXX in XXXX  CA. The address is a sham. I dont know the name of this company to even file a complaint. On my last call to them I spoke to the manager XXXX who said that based on the nature of there business they can not give me there address.

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 06-05-2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Balance transfer

Complaint: I received a balance transfer offer in the mail from Bank of America offering 0 % thru 2016 if I transferred an existing balance to a card that I had with them that carried a {$0.00} balance and a credit line of {$7800.00}. The day after the transfer was made, Bank of America lowered the credit line to the account to {$5800.00} which in turn caused the account to go from a {$0.00} balance to {$2000.00} over the credit limit. I was then told that the reason for decreasing my balance was due to what appeared on my credit score. I 'm now in a situation where my credit report will now show that I 'm over my balance on the account as a result.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2015 about Mortgage (Conventional fixed mortgage) with Dovenmuehle Mortgage, Inc. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Dovenmuehle was transferring our mortgage servicing to their other company, XXXX, and we were in process with another lender in refinancing the mortgage. When the loan was paid-off in full, they reported it as a short sale, which has seriously damaged our credit. I called XXXX, as their name is showing on my credit report with the short sale information under their loan # XXXX RUSHMORE XXXX. I USED THE PHONE NUMBER ON THE CREDIT REPORT UNDER THIS ENTRY. I SPOKE WITH THEM SEVERAL TIMES TODAY DOING WHAT I COULD TO GET THE FASTEST RESOLUTION TO THE INCORRECT INFORMATION. After faxing them the credit report to show what they had done, calling several times, I was n't getting immediate attention to this issue and asked for a manager, then they told me I had to call their other company XXXX they are apparently related ) who transferred the loan to them, Devonmuehle. I called them and they were closed before XXXX XXXX XXXX time.

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2016 about Debt collection (Medical) with Kansas Counselors of Kansas City, Inc. (NE).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am a guardian of the patient who used the medical facility. I do not and have never been in control of his finances. They turned the bill over to collections, then instead of the patient 's name on the bill for payment, they put my name on the bill requesting that I personally pay it. They asked, over the phone, if I had drove him to the hospital. I responded I did not and my name should have never been substituted on this bill.

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 non-monetary relief
Consumer complaint received 09/25/2015 about Debt collection (Medical) with Fredericksburg Credit Bureau, Inc (Closed) (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: These were file with XXXX ins.of XXXX Minnesotathey are reporting on our credit file XX/XX/2012.They refuse to remove them from our credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2016 about Debt collection (Medical) with GOLD KEY CREDIT, INC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have disputed a couple of collection account w/gold Key Credit. They have removed XXXX item but are refusing to remove an additional Medical collection account in 2014. I advised them that 1 ) I never received documentation of the bill XXXX ) My family and I receive Medicaid and Food stamps because we are low income. I recently spoke to them advising them I can provide them with my medicaid number and they refused to speak to me futher. This collection on my account has caused signficant damage to my credit anc my chances of enrolling in the 1st time Home Buyer Pram for low income familes. Please help me!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I sent out certified letters XXXX XXXX, XXXX to each of these companies below to verify that it was in fact me who made these inquiries with verified proof. They neglected to respond and now you are at fault on reporting this unverifiable information. You are required by a Federal law to remove them from my credit report. 
Name of Company Date of Inquiry Type of Business XXXX XXXX. XXXX/XXXX/XXXX Automotive COMPASS BK I. XXXX/XXXX/XXXX Banking XXXX. XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX. XXXX/XXXX/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 04/27/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CO).
Issue: Billing statement

Complaint: I have noticed that a number of credit card statements use a very small font. I 'd guess XXXX pt or less while others use a much larger font - XXXX of XXXX pt. On at least XXXX occassion I have misread XXXX of the small font payment stubs where the day was printed as a " XXXX '' but I misread it as a " XXXX ''. I do n't need glasses in the normal course of my activities but have have bought reading glasses jus so I can read these statements. 

While there maybe other companies using the smaller fonts, FIA Card Services and XXXX XXXX XXXX XXXX are XXXX companies which user a smaller font. The payment coupons do not have a space issue that would require the use of these small fonts so I suspect these fonts are used intentionally in the hopes the consumer will misread them an permit the company to charge a fee for submitting an incorrect amount or missing the due date.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2017 about Debt collection (I do not know) with American Coradius International LLC (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Dear Consumer Financial Protection Bureau, My name is XXXX XXXX. I have been dealing with the aftermath of my identity being stolen for the last four years. A company named American Coradius International LLC has sent me a letter claiming they own a debt in my name for a XXXX account I have not heard of. I did not even know there was a XXXX accoount in my name! This account, or perhaps this company, is fraudulent. I demand that American Coradius International LLC immediately remove this account from my name. Thank you for your assistance, XXXX XXXX.

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 03/23/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Stellar Recovery, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I attempted to pay a bill XX/XX/2017 to a collection agency Stellar Recovery because it is on my credit report and they advised that they had no record of it. I advised that it is indeed on my credit report under their collection agency name in the amount of {$110.00}. I was placed on hold, the rep came back and still advised that their was no record in their system. I need this debt removed from my credit report. All I have is what is on my credit report so I have attached the report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Creditor has advised that they have verified the bankruptcy listed on my report. They advised that the number and name of the company that verified this is listed on my report. My dispute clearly requested original creditors documentation on file to verify this information is mine. This bureau has refused to reinvestigate this and I have yet to receive the requested documentation /original contract with my signature to prove this is my bankruptcy.

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