milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/29/2016 about Debt collection (Medical) with CAINE & WEINER COMPANY, INC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

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

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AL).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I borrowed  XXXX  dollars and because I could n't get income based repayment options for it inahd to keep deferring the loans. causing the loan to grow to over 90k. Now I finally got the loans consolidated or so I thought then they denied me for income based repayment without a reason. So basically I 'm screwed owing   XXXX   and I should only o  we  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (NE).
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint: I have a promotional balance of 0 % on my account. Before making additional purchases I called, on or around XXXX XXXX, to verify how additional purchases and subsequent payments would be applied ; wanting to maintain my 0 % and avoiding additional purchases to be subject to interest charges. I was informed that any amount paid above the minimum due would reduce the balance subject to interest charges first. At the time my due date was XXXX and the minimum due was {$58.00}. With this information I proceeded to make make purchases totaling {$5400.00}. 

On XXXX I made a payment of {$1900.00} and on XXXX a payment of {$3600.00}. These two payments total {$5500.00} clearly more than the minimum plus purchases. When I received my statement on XXXX my balance related to the 0 % promotional rate have been reduced and I had a balance of {$1400.00} that was subject to interest charges. I called customer service to get and explanation and I was told that this is how it works and they could do nothing about it. I explained that I had called to verify before making the purchases and was told any amount paid above the minimum due would reduce the balance subject to interest charges first. They said sorry but that was wrong and they could do nothing about it. I tried to get an explanation on how the payments were applied give only a portion of my purchases were subject to charges and I was told that is the average for the period.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2017 about Debt collection (Credit card) with Blitt and Gaines, P.C. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I sold my house in XXXX, and realized that a debt that I had paid off years ago was still listed as a lien on my home. The title company is holding money until a release is issued in a recordable form. 

My attorney at XXXX XXXX has called repeatedly and is always told that it has been filed, will be filed, will be sent to them, and it has not been taken care of. 

Today they attempted to speak to a supervisor and was given a non-attorney XXXX XXXX who hung up on the attorneys office after she attempted to explain we have been getting the run around for months. 

The title company is holding {$12000.00} of my money for a debt that was paid off years ago. ( Blitt and Gaines Admits that it was paid off )

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
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: Transunion which is the only bureau reporting a state tax lien has not followed the new rules applied to credit bureaus. I disputed this lien several times as it does not contain my name, address, dob and social security number. Please delete asap

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Problem with fraud alerts or security freezes

Complaint: On XXXX XXXX, 2017 I was charged {$10.00} by XXXX, and {$10.00} by Experian to freeze my credit information accounts. 

In the wake of this massive credit information breach, I feel it is completely absurd that I have to pay for XXXX XXXX massive mistakes. XXXX and Experian did not/will not waive their credit freeze fees as XXXX did ( after receiving massive pressure to do so ). The problem is that all of them store THE SAME information, so only freezing with XXXX is useless. I feel that either XXXX and Experian should ALSO waive/refund their fees in response to this disaster, or XXXX should cover the price of freezing credit with their competitors. 

Not only am I ( and 143 million other people ) at risk for fraud and identity theft, but I have to pad the pockets of the very companies who collect, store, and sell my information without my consent in the first place.

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 05/23/2016 about Debt collection (I do not know) with MiraMed Revenue Group LLC (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company called XXXX XXXX ( I think ) calls me every business day, sometimes several times a day. They are looking for an XXXX XXXX and I have told them several times that I am not him. My name is XXXX XXXX and I have had my number for 27 years.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2016 about Debt collection (I do not know) with AllianceOne Recievables Management (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: A person claiming to represent Alliance One debt collection agency called me from the phone number XXXX. They claimed I owed {$47.00} for a past due debt owed to the NY Port Authority related to XXXX. They claimed that both they and the NY Port Authority had sent bills to an address but did not give the exact street address to which the bills were sent. 

I have n't lived in NY for several years and I am unaware of any debts owed to XXXX. I suspect they are either mistaken about me owing a debt or they are making the debt up to see if I 'll pay them money. If I actually owe a debt I am happy to pay it if they will provide written proof of the debt. They should have to send proof of the debt to my address. They should not be calling me asking me for information about where I live or to verify additional information about me. It is unfair and unreasonable for them to be able to claim they sent a bill to an address where I do not live and expect me to pay the bill and whatever fees they chose to add onto the supposed bill.

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I pulled my Credit Report and found XXXX/XXXX put a charge off on my credit report for the amount of {$1600.00}. On the date of XXXX XXXX, XXXX I wrote XXXX/XXXX a certified letter asking for validation that is competent evidence bearing my signature. 
XXXX/XXXX received the certified letter on the date of XXXX XXXX, XXXX. 
XXXX/XXXX responded on the date of XXXX XXXX, XXXX Stating they reviewed the account and verified that they have reported this account information as it appears in my file, to the credit reporting agencies, Experian, XXXX, XXXX and XXXX. And further state that they can not delete or modify the status as it reported. 
XXXX/XXXX sent another letter in response to the first letter. XXXX/XXXX  also states that the account in question was sold to XXXX XXXX XXXX, XXXX on XXXX/XXXX/XXXX. 
XXXX/XXXX never provided me with the validation I requested, and never acknowledge that the file in question was being formally disputed. 
On the date of XXXX XXXX, XXXX I wrote another certified letter to XXXX/XXXX stating that they did not validate the debt in question via bearing my signature. 
XXXX/XXXX received the second certified letter on the date of XXXX XXXX, XXXX I never received a response to the second certified letter. 
On XXXX XXXX, XXXX I pulled my credit report to find out if XXXX/XXXX had marked my credit report as disputed. And found that XXXX/XXXX had not marked my file as disputed, and as to this day of XXXX XXXX, XXXX my file is not labeled disputed. 
I sent a third certified letter to XXXX/XXXX  on that date of XXXX XXXX, XXXX notifying XXXX/XXXX they did not furnish the credit bureaus with the required disclosure, within the period required by law. They are required by Federal law to place a " notice of dispute '' on my account within 30 day of my dispute, in which they signed for on XXXX XXXX, XXXX. I retained a copy of their signature and date of receipt, as well as a time stamped copy of my credit report, showing that XXXX/XXXX has violated the Fair Credit Reporting Act, section 623 ( a ) ( 3 ) and / or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. 
XXXX received the third certified letter on XXXX XXXX, XXXX And yet again XXXX/XXXX has failed to respond to the certified letters I have sent to them.

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 12-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
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: XXXX XXXX is a fraudulent account and it has yet to be removed from Equifax credit report even after providing police report that was filed in XXXX of 2016 right after that account was opened

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 about Debt collection (I do not know) with Commonwealth Financial Systems, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Today, XXXX/XXXX/XXXX, I received notification through my credit monitoring company that Commonwealth financial listed a collection report for XXXX. I have never heard of this company before ( nor have I ever heard from them regarding debt ), and they do not list what the debt is for. However, after further investigation, I noticed that this collection agency is not licensed in the state of Florida to attempt to collect debt. This must be removed from my credit report immediately. 

Collection Agency COMMONWEALTH FINANCIAL Address XXXX XXXX XXXX, XXXX XXXX, PA Business Type Collection Services

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2016 about Credit card () with JPMORGAN CHASE & CO. (NC).
Issue: Unsolicited issuance of credit card

Complaint: Without any action from me, I was sent an " Amazon.com Rewards '' XXXX from Chase in the regular mail. It has my name, an account number, a credit line and a phone number to " confirm receipt '' all within the same envelope* seemingly making it very easy for anyone to activate this card. 

I am scared that a credit check was run ( again, without my permission or authority ) and that the intent was to make it as easy as possible for transactions to begin occurring against my knowledge or will. When I tried to call the customer service numbers to inquire, I was disconnected adding an ever-dubious sense to this process that I neither asked for or enacted.

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: The addresses have been reported to Experian numerous of times stating that this is incorrect. They continue to publish these addresses regardless of my complaints : XXXX NC 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 12/13/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I called Transunion, XXXX and XXXX several times to update my personal information. The representative refused to move address and names from my report that does not match my identification. I explained to them I did not live at the addressed listed on my report nor do I go by any of the other names reporting. I only wanted the name and address I gave them which is my legal name and address. I received an updated report only to find those names and addresses still listed.

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 08/23/2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: In XXXX 2017 I noticed a collection account on my credit that was never there before from a company called Portfolio Recovery. I originally disputed the account with the bureaus. however according to the bureaus the company alleged the account is mine so i contacted them. Its been 6 months and i have not received a response from them and i do not know what the debt it for- it was never validated and i was not contacted

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Debt collection (I do not know) with Resurgent Capital Services L.P. (CT).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Notice of pending litigation seeking relief of monetary damages under FCRA Section 616 + Section 617.
Final written attempt to amicably resolve your continued willful violation of the Fair credit reporting act regarding your refusal to delete all of the UNVERIFIED/INACCURATE account information from my consumer file.
Despite my three written request items listed still remain on my credit report in violation of Federal law. In the results of your reinvestigation you stated in writing " VERIFIED '' that these items are being " Reported Correctly ''. You still have not identified who verified accuracy and how the accounts were verified.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have no medical bills with this company. This clearly belongs to someone else. Both my birthday, and SSN have been erroneously reported via XXXX, Equifax and  XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CO).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I filed bankruptcy on XX/XX/XXXX. All my credit card accounts and other loan account were current never late. After filing bankruptcy the accounts all show closed but they all show late after XXXX. i was never late on any account even before filing on XX/XX/XXXX I have asked and disputed the information and all i get is it is accurate. This is hurting my credit scores and is hurting my ability to improve my credit after bankruptcy. Experian is the only company that is showing this issue. I started my first dispute on XX/XX/XXXX. I also called experian multiple times. My credit score difference between the 3 reports is roughly 40 points lower with experian.

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 10-03-2017 about Debt collection (Other debt) with McCarthy, Burgess & Wolff, Inc. (IL).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I received notice from my former employer XXXX XXXX XXXX that they had overpaid me and were sending me to collections. I did not understand how they determined there was an overpayment nor how they calculated it. I requested additional information but instead my file was escalated to a debt collection law firm. I received a demand letter from McCarthy, Burgess & Wolff on XX/XX/XXXX. The letter included an email address I could use to respond. I immediately emailed the address requesting validation of the debt and requesting that they cease and desist all future communication by phone. Over a month went by and I did not receive any response so I sent a follow up email on XX/XX/XXXX. On XX/XX/XXXX I received a response which included an XXXX sheet with my pay rate. This left me with more questions than answers as I compared it to my paychecks. At XXXX on XX/XX/XXXX I received a missed call and voicemail from XXXX XXXX at McCarthy , Burgess & Wolff . When I got home I had another missed call and voicemail on my home phone. I had requested in both emails not to be contacted by phone which is my right under the FDCPA.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2017 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: There is an account listed on my credit file which is not accurate  XXXX   XXXX   XXXX  saying I went late in  XXXX  2016 which is NOT accurate never had an account with this company and why this collection account states  I was 30/60/90 days  late and also {$87.00} written off but this company is still trying to collect. This is false information and misreporting and I want this inaccurate data removed.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2015 about Bank account or service (Checking account) with PNC Bank N.A. (AL).
Issue: Deposits and withdrawals

Complaint: Sold a pc of furniture on XXXX. Pnc bank told us funds could be used next day but we knew better so called to tell them we had to make sure check was good b4 we used the funds bcz we had to take shipping charge out then they told us check in " floating stage between banks so we waited a few days later then they said it was paid by usbank so we sent out money for shipping. Then next day check did not clear. We called to let them know that they had assured us it was ok and total chaos hit at that point. They advised us wrong took all our money except XXXX and now it 's on our credit report and bank info that we ca n't have checking acct. totally unfair!

Company response to consumer: Closed
Consumer complaint received 02/28/2017 about Credit reporting () with EQUIFAX, INC. (MT).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: In XXXX XXXX, 2011 my ex and I divorced. The decree became final on XXXX XXXX, 2011. It stated the she would retain the residence that was financed by XXXX, {$330000.00} which was in foreclosure status. She then obtained financing - and a loan modification by XXXX. She paid the late fees, interest etc. Page XXXX item # XXXX specifically released me from any further liability on the referenced promissory note. I executed the quit claim deed for the property on XX/XX/XXXX2011. 
Equifax continues to show the mortgage as active and overdue. It can not be active in my name, it needs to be removed from my history as active or owed on currently.

Company response to consumer: Closed with explanation