milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Concord Servicing Corporation (NJ).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: Previously I owed XXXX timeshares with my ex-husband. Both are paid except the annual maintenance fees. In the divorce decree, I was awarded XXXX and my ex-husband the other. My ex-husband has not paid the fees on his timeshare and now the company calls me and says I am legal responsible for the past due fees because they ca n't contact him. When I told them I was no longer responsible and it was spelled out in the divorce decree, the company apologized and asked me to send a copy of the decree. I sent it and provided the husband 's phone number. A few days past and the company called again stating they could not contact my husband so I am still liable because the divorce decree does not supersede their contact. I again advised I am not legally responsible and they should call my ex-husband. I have asked them repeatedly not to call me and they continue to do so on my home and cell phone. I believe they have also reported this debt on my credit report ( I am obtaining a copy to verify ). My credit score has dropped and all my bills are paid on time. I am feel harassed since they continue to call and are not honoring the divorce decree which is a legal document. I have paid all fees associated with the timeshare I was awarded. I want this company to stop harassing me, remove this debt from my report and contact my ex-husband to obtain payment. I believe the tactics of this company are horrible. Please advise how I can stop the harassment from this company.

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 07-08-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Penn Credit Corporation (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Penn Credit agreed to remove a collection account from my credit report. Penn Credit removed the account from my XXXX XXXX report, but did not remove it from my XXXX report. I have tried to contact Penn Credit multiple times, but have received no communication.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2017 about Credit reporting () with BlueChip Financial (GA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Unauthorized inquiries causing hard hits

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Debt collection (I do not know) with United Revenue Corporation (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: the collection agency has repeatedly, sent me notifications to pay a debt that is not mines! I have reached out to the collection agency to fix this issue, and to report this as identity theft! I have sent the ''identity theft '' documents twice and the last time they were sent to the collection agency the documents were sent through certified mail. even thought I have disputed the debts numerous times, the collection agency continues to attempt to collect a debt that I do n't owe.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2018 about Debt collection (Credit card debt) with Michael & Associates, PC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I have absolutely no idea what these accounts are, I have never opened a account with these creditors and want this removed. I have notified my local Police department of these fraudulent accounts and have made a police report, also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud/identity theft reports with them. 

Also in accordance with the Fair Debt Collection Practices Act 2009, I am asking you to immediately stop all collection activities about this debt, including reporting to credit reporting agencies. I also ask that you tell the business where the account was opened that this debt is the result of Identity theft, and can not be collected, sold or transferred. 

I have already notified XXXX XXXX and have sent over all the necessary paperwork, I am also asking Michael & Associates , PC to do the same as stated on the Fair Debt Collection Practices Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2017 about Checking or savings account (CD (Certificate of Deposit)) with BARCLAYS BANK DELAWARE (TX).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: I opened a certificate of deposit account with XXXX on XXXX XXXX, XXXX. I purchased CDs in the amount of {$500000.00}. Funds were deposited into my account on XXXX XXXX, XXXX. I received confirmation of payment via email and paper mail. Upon my funds being deposited to my account I was disabled from accessing my account. I called XXXX and talked to one of their customer representatives and inquired about my account being XXXX, but to no avail. They then put me on the phone with someone from security who informed me that the bank that the funds were deposited from was an invalid account. I informed them that if that were true than how was a transaction of payment made. So by phone I asked to see a detailed transaction of the payment which he denied and that was the end of the conversation. I followed up the next day and got the same reaction. So after that I sent email after email just wanting to know why I could n't get a detailed transaction of payment. I got no answer. So I mailed them an audit of payment form which included the Electronic Transfer Act stating they had 10 business days to respond and show me a detailed transaction of payment. I got no answer. So that led me here. I exhausted all of my resources before contacting you guys.

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 02/15/2016 about Consumer Loan (Vehicle loan) with Ricart Financial Services (OH).
Issue: Problems when you are unable to pay

Complaint: IN XXXX after filing for bankruptcy due to a divorce. I got a auto offer letter from a dealership stating that I could be approved, after obtaining the auto, the rates and fees just became unbearable, the company repossessed my auto in XXXX after making payments for almost three years. This has been on my credit report as a repossession since then. After working to build my credit score back up, I noticed a inquiry that I did n't make from a company I did n't recognize, after review it was COCC, the people who had repossessed my car. they now have a new name and say I still owed over XXXX on this car that was repossessed almost three years ago. On my equifax and transunion it now shows up a current repossession under the company 's new name and also shows up under the old name as a repossession form three years ago. my credit score has dropped over XXXX points due to reflecting XXXX repos, can the same company report that information twice or should it be updated, and this company is pulling hard inquiries on a weekly basis now. I do n't know what to do, I need help with this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2017 about Credit reporting () with EQUIFAX, INC. (AL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I am trying to remove a Dispute comment that I put on my account. The dispute is closed. I have been dealing with Equifax for weeks, and not only have they not taken off the dispute comments, but they have put the accounts in " Dispute status '' which is even worse. The other XXXX major credit reporting agencies took these dispute comments off immediately but I am not only getting the runaround with Equifax, but they are making it worse!

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2017 about Debt collection (Other debt) with CCS Financial Services, Inc. (NY).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: On XX/XX/XXXX I contacted XXXX XXXX XXXX after seeing a false debt on my credit report. I spoke with Manager XXXX XXXX who requested proof of coverage for the period in question XX/XX/XXXX - XX/XX/XXXX. I stated to XXXX that I can fax the proof immediately but I need to know when this false debt will be removed from my credit reports. XXXX explained to me that XXXX XXXX XXXX would not be able to provide a date of removal.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2017 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: On  XXXX   XXXX  ,2017 I sub mitted a dispute to all three CRAs. I have received the results from  XXXX  and  XXXX , but not Experian. However, I have credit monitoring service and it shows where the account was updated. They have updated the account so that the charge-off appeared more recent than it originally was and they also have it listed as a revolving account. This caused my score to drop by many points. I never received proper validation of this account. I sent to the CRAs a copy of the order that I won my lawsuit against  XXXX    XXXX   XXXX   XXXX    in Court. Ea ch report is reporting a different date that the account is open, the highest balance is different on each CR, Additionally, it seems as if they added late payments in after the closed date.  XXXX  providing each CRAs, with documentation to support my claims, they never completed a full investigation and they never forwarded documentation to me to validate this debt.  XXXX    XXXX   has constantly failed to provide me with this information, and now I am being further victimized with a huge drop in my credit score.I have attached evidence of everything below.

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 08-06-2017 about Debt collection (Federal student loan debt) with HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA) (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I had a student loan with XXXX XXXX XXXX XXXX services back in XX/XX/XXXX-XX/XX/XXXX year. The company started to garnish my wages because my loan became delinquent and we came to an agreement that if I made six on time payments that they would stop the garnishment and I would rehabilitate my loan to current status. I decided to go that route and made the necessary payments to bring my account current. I then decided to consolidate all my student loans with XXXX XXXX because I did n't want this problem happening again. Once XXXX XXXX had told me they had disbursed the money to XXXX XXXX XXXX XXXX I called to see if they had received it and they told me that they did receive it and that the account would report as paid on my credit report like all my other student loans. Unfortunately they made an error on my credit report that I just recently noticed that has cost me from refinancing my car. On my XXXX credit report they have my account showing as a charge off instead of paid which my other two credit reports show. As stated before I was denied refinancing of my car because my credit union used XXXX as the credit reporting agency that they used for that feature. l-

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (MA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Portfolio Recovery Associates, LLC for the amount of {$280.00}. I have sent Portfolio Recovery Associates, LLC a debt validation several times with no response. This item does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Receivables Performance Management, LLC (NJ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: XXXX people went into a store on XXXX XXXX in XXXX, NY in XXXX 2015 and bought phones worth {$4700.00} using my SSN and Driver 's license. I was in XXXX at that time and called repeatedly to rectify the problem once i got to know about it but nothing happened even though i called the collections agency, credit bureau. 

I had only XXXX account with XXXX which i suspended after paying all the dues. I called the store but they said that they can not help me. I think the store they went to was XXXX. I also tried calling the collections agency, they said that they will provide me with a packet which would have all the info but nothing happened. I recently came back to United States and I am trying really hard to maintain and increase my credit score, things like these are going to seriously put a stop to my credit score.

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 06/15/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Using a debit or ATM card

Complaint: Hello Dear, My name is XXXX, XXXX from XXXX, XXXX. 
last week, on XXXX XXXX & XXXX someone use my debit card multiple times in XXXX, XXXX. I was still in possession of my card at that moment. they withdraw {$1100.00} in cash at different ATMs and made purchases for {$1200.00} at XXXX in the same city. I received some messages from Bank of America telling to verify some recent transactions. I reported those transactions as fraudulent. i filled a claim for this fraud and I was waiting since yesterday. 
They denied my claim and told me there is no fraudulent pattern. 
When I asked them what that mean they told me I have been to the state of XXXX couple of time I used sometimes none Bank of America ATM 's I withdraw often a large amount of money. 
i asked the lady can a person be present at XXXX location a the same time? because i was in XXXX, XXXX at the moment. 
I called the police yesterday filed a police report so the bank will do further investigation. I 'm an international student the money is for my tuition I really need it. 
Best,

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 monetary relief
Consumer complaint received 09-05-2015 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (NY).
Issue: Other transaction issues

Complaint: i sent {$750.00} to a friend of mine on paypal.. Their Paypal Accoutn was subsequently 'frozen ' and asked them to verify their account by adding a BANK Account. They do not have a bank account, so they ca n't verify. They want to send me back my money but they ca n't now. I am now out {$750.00} of my hard earned money due to this issue. They will not respond to any questions or support. 

Please help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Equifax has release my credit report XXXX times fraudulently and they refuse to remove these fraudulent inquiries. I told them someone posted my personal information online and even put a fraud alert on my report and they continue releasing my credit report. 

The following inquiries are fraudulent and should be removed by law. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
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 have NEVER been past 30 days late on my  XXXX  credit card and all  XXXX  agencies are reporting a late payment, this is wrong

Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with International Computer Systems, Inc. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XX/XX/XXXX, I provided First Collection with a certified letter requesting validation of debt. They removed the collection account from my credit report on XX/XX/XXXX. On XX/XX/XXXX, First Collection reported the account again on my credit report. This has continued since XX/XX/XXXX, First Collection removing the account and re-adding the account without validation.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2015 about Debt collection (I do not know) with National Credit Adjusters, LLC (OH).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: There is a collector name XXXX contacting me at work and on my cell XXXX ext XXXX he is stating he is trying to locate me. he calls my job and just hits other extensions and talks to other people and asks them to give me a message. It needs to stop, he claims he is an attorney that i need to give a statement he leaves all this information on my voicemail not knowingif its me or not.

Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2016 about Student loan (Federal student loan servicing) with AES/PHEAA (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I signed up for the REPAYE student loan repayment plan and direct debit of payment from my checking account. I paid {$150.00} according to the bill on XX/XX/XXXX and Fedloan Servicing deducted {$150.00} on XX/XX/XXXX. Yet they claim that I owe them {$150.00} on XX/XX/XXXX and have marked my accounts as delinquent. My loans are not delinquent ; I have paid according to the REPAYE plan and set up direct debit. I am not making twice as many payments as are required under the REPAYE plan. I plan on applying for public service loan forgiveness and need my loans not to be in delinquent status. I have contacted Fedloan Servicing, but they have not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My personal information was mishandled by the company XXXX Equifax XXXX, which potentially puts me at serious risk along with several millions of other people as part of the recent data breach. Since I can not trust Equifax to sensibly manage my information, I decided to place an initial fraud alert on my credit report using the services of XXXX, a different credit reporting bureau. 
Additionally, I was never personally notified ( by email, phone or otherwise ) by Equifax about the potential risk I was under with regards to my information being included in the data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2018 about Debt collection (Private student loan debt) with Navient Solutions, LLC. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: The XXXX XXXX ( Now, XXXX XXXX ) originated in XXXX, XXXX, XXXX, XXXX. They were at very high interest rates which I could not afford as a student. These are all over 7 years old. Navient keeps putting them on my credit report despite that the debt is as much as 12 years old now.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2017 about Credit card () with DISCOVER BANK (MD).
Issue: Payoff process

Complaint: I paid my Discover card down to XXXX on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX I called to verify that my account was XXXX and that I wanted to close my account. I specifically asked if there was any more charges or interest and was told no. Today, I was told by a lender that a loan request was denied for " serious delinquency '' with Discover. When I called Discover, I was told that because I closed my account in XXXX middle of a billing cycle, interest posted to my account after closing. I was never billed and no one from Discover called me. They told me that they had sent a bill to an email address that had not been active for two years and that I had signed up for e-statements. During the months that I had the account I received paper statements. Interest accrued upon interest for 2 months as well as, late charges. My credit score was lowered. When I was denied for XXXX different loan requests, after disputing the charges with XXXX and having a fraud alert placed on my credit report, ( I thought the Discover account was closed ), I called Discover. While they sympathized that my credit had been harmed and cleared the balance, they refused to correct my credit report stating that it had been reported correctly. 

I did everything right to payoff and close a credit card account including verifying that I owed nothing further. The company confirmed this, yet I now have negative information on my credit report and a lower score and it will be there for several years. This company made no attempt to call me, bill me or contact me to ask why I was n't paying them. I had never been late with them and had that account since the early XXXX 's. Over the years I have paid them thousands of dollars and I feel that they have ruined my credit because I closed my account.

Company response to consumer: Closed with non-monetary relief