milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft. The following debt collection accounts : XXXX XXXX XXXX XXXX, {$960.00}, and XXXX XXXX XXXX, XXXX, {$12.00}, XXXX are fraudulent, unauthorized and dont belong to me. I have been receiving harassing phone calls daily at XXXX XXXX from representatives from XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX, XXXX, using abusive and profane language against me, making death threats, threats of taking legal action against me, and threats of me going to jail and prison. I informed representatives from XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX, XXXX, that the debt and account is fraudulent, unauthorized and not my debt. XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX, is in violation of The Fair Debt Collection Practices Act ( FDCPA ) under Federal law.

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 07/14/2017 about Debt collection (Credit card debt) with DISCOVER BANK (CT).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: XXXXXXXX XXXX XXXXXXXX a debt collection company by and through XXXX XXXX XXXX, who claims to be representing Discover Bank, and put a action in JUDICIAL DISTRICT OF XXXX, which is not the proper venue, and it appears that this " complaint '' was brought by a " third party " for a " alleged debt '' that was not validated or verified, by the alleged " creditor '' or a affidavit of debt, was submitted, after numerous notices of dispute was sent to the third party and DISCOVER, which was not validated in accord with 15 usc 1692g, or GAAP, as a consumer i never gave consent to contact " the consumer '' as i third party has no authority to do so 15 USC 1692C, XXXX XXXX is claiming to be a attorney without proper Power of Attorney form ( form 56 ) or a license for a debt collecting company in the STATE of Connecticut, and is using the JUDICIAL DISTRICT OF XXXX, to send abuse communicating in a attempt to get the consumer to default and for the consumer to file for bankruptcy, case number XXXX JUDICIAL DISTRICT OF XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2016 about Credit reporting () with Experian Information Solutions Inc. (NM).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Experian is refusing to investigate and remove accounts from my credit report that do not belong to me.

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 09/29/2015 about Credit card () with CITIBANK, N.A. (TX).
Issue: Billing disputes

Complaint: Citi is in engaging in bait and switch of bill statements. We are constantly having to request a paper bill when we have never as to paperless. In between billing statements they are sending paperless billing to our email. We have never asked for paperless. What happen is on the months they are bait and switching to paperless leading us to believe we are maintaining payment that are not 30 days delinquent. We have lost XXXX % of our income and have still continued to make payment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (SC).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: My husband graduated during the recession, had to defer for a few years because the job he got for his career could not afford the payments Navient/XXXX XXXX was saying he needed to pay. Went to grad school and graduated in XXXX 2015 and had to start making payment on the undergrad student loans, first payment being XXXX 2015. Filled out paperwork that rep said we qualified for a program to lessen the amount we had to pay monthly from {$1200.00} to {$850.00}. Called to set it all up and they said the new amount would be {$900.00}. This is half of his annual salary and is no way we can afford that. They have not been returning phone calls or willing ot work with us and have a lesser monthly payment. We want to make these payments but they are causing a lot of financial hardship because they are not being flexible. We need help with the monthly payments and they wo n't ever help us or give us a rep that who knows what they are talking about and being very unforgiving even though we want to make payments that are affordable.

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2017 about Payday loan, title loan, or personal loan (Installment loan) with Enova International, Inc. (MO).
Issue: Struggling to pay your loan

Complaint: I filed for bankruptcy back in XX/XX/XXXX, and cashnet usa was notified of such, yet I get an email last week saying they sold my loan to a collection agency and of course now this is on my credit too ( collection record ). I emailed and advised cashnet USA that it is against the law to continuing trying to collect on something that was included in bankruptcy and they needed to pull my account from the collection agency and stop all collection efforts but it still has n't been done. They continue calling me trying to collect.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
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 consistently asked XXXX XXXX, XXXX, and Equifax Credit Reporting Agencies, to remove in-validated inquiries off my credit report. I have asked them for proof of these remarks. XXXX XXXX has sent me two letters, which state that they " Do not investigate inquiries ''. This is in violation of the Fair Credit Reporting Act. I have the " Lawful Right '' according to FCRA [ 632 ( a ) ( 3 ), 15 U.S.C. 1681s-2 ( a ) ( 3 ) ] to dispute/challenge any and all negative remarks on my credit reports. They will not budge on my requests to investigate these claims.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Equifax is refusing to remove the item

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2015 about Debt collection (Credit card) with Element Global Services (KY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The debt collection agency Element Global Services had an agent named XXXX contact me at work while I was teaching. He gave me a deadline to call him back or he would be calling my boss. He threatened to have me put in jail and taken to court if I did not pay a certain amount of money on the spot. He also refused to identify himself when he first called. XXXX also threatened to contact my boss with the recording of the line that we were on to show him my " character '' after he made numerous other threatening statements. After researching this company on the internet I have seen nemerous complaints about intimidation tactics from them. XXXX knew information about me that he should n't have and that was an extremely scary thing. I felt harassed and violated by this man.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2015 about Debt collection (Payday loan) with Cottonwood Financial Ltd. (TX).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I keep getting automated calls that they will contact the Attorney Generals office and file a warrant on me. They have contacted family out of state saying I have a legal matter to take care. When talking to a person on the phone I requested verification of debt and I stated I was not giving my credit card information to a stranger over the phone, she then told me she could not help me and legal action would be taken. I hung up the phone and she called back seven more times in a row after I requested to not be contacted again.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I am reporting against ( XXXX  XXXX XXXX ) on a collection account which was on my credit from a collection agency called ( XXXX XXXX XXXX  ) I have told XXXX XXXX XXXX that this account is false account it doesnt belong to me and them have refused to remove it on my credit and I also asked them to provide me any kind of envidence documentation about the false account so that I can file a law suit against XXXX XXXX XXXX and them experian also refused to mail me documentation concerning this false account, please I am in the pick of filling a law suit against experian on this false account so my lawyer ask me to contact ( CFPB ) before going ahead with the legal precedents on this matter.

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 12/30/2015 about Mortgage (Conventional fixed mortgage) with IMPAC MORTGAGE HOLDINGS, INC. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My name is XXXX XXXX XXXX. My husband and I are expecting to incurred additional expenditures in XX/XX/XXXX so we paid our mortgage bill in two equal installment one was on XXXX XXXX, 2015 in the amount of {$1400.00} and another one was on XXXX XXXX, 2015. I personally called the company on various occasions which is prior to XXXX XXXX, 2015 ( to avoid late fees ) to inform them that those two payments should be applied to our XX/XX/XXXX loan payments. They did not process the payments as I instructed them to do so now XXXX wanted me to pay them {$1400.00} more plus late fees. I do not have that much funds to pay them since I already paid them the full month. I am under XXXX right now and we are trying to pay all our bills on time. Their loan care specialist by the name of XXXX is even rude and so is their supervisor by the name of XXXX XXXX who supposed to help customers not put them in trouble. I asked for their superior who could make decisions and they refused to give their names to me. I could have sent them e-mails but I have no where to go but to file it to your website.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 01-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
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 multiple dispute issues with XXXX, XXXX and TransUnion that are not being corrected per the FCRA. I 've consulted with my attorney and was notified that neither the credit bureaus or the creditors have the right to report disputed information that has not been legally verified. I 've researched and found XXXX V TRANSUNION XXXX, wherein Congress states that the only legal form of verification per the FCRA is possessing and producing proof of their claim. Otherwise, it 's only hearsay. Congress further states that the burden of proof is on the creditors and credit bureaus - NOT the consumer. 

Here is my dispute to XXXX, XXXX and TransUnion ( below ). Due to the fact that these accounts are reporting inaccurate and have not been verified, corrected or deleted, they must be removed immediately from my credit report. 

Im well aware that my credit report is showing inaccurate items, and Im appalled at the so-called investigations that have been performed on my behalf. Ive consulted with my attorney and have been informed that without the physical documentation to back up your claim that this has been verified, it does not meet the requirements of the FCRA. Ive disputed directly with the creditor as well and was told that at no time was any documentation sent to you to validate my disputes. How can this be verified? Congress states in XXXX v TRANSUNION XXXX, that the burden of proof is on the credit bureaus and creditors to verify and not the consumer. Please see the enclosed 6-page lawsuit which outlines my proof. 

XXXX XXXX XXXX XXXX I do not owe a balance of {$5800.00}. In addition, you are reporting that I did not pay on time for XX/XX/XXXX while XXXX shows that I paid on time!. Delete immediately! 

XXXX XXXX XXXX Theres absolutely no information on this account. Wheres the terms, type, high balance, limit, payment status, payment status details? You do not have any of that listed. How can the high balance be {$0.00}? Please delete at once. 

XXXX XXXX XXXX How are you still reporting the wrong balance? This doesnt make any sense at all! You did not at any time correct or delete this account, which you must now do based off the fact that you are not reporting this per the FCRA : Monthly payment : XXXX and XXXX $ XXXX/TransUnion {$150.00} Status : XXXX : 30 days late/XXXX ; : 60 days late/TransUnion : paid as agreed Youre screwing with my numbers and none of this is valid. Delete immediately. 

Any correspondence received to and from you will be made available to my attorney as well.

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 04/23/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX continues to send me a collection notice 3 times after I told them that I never had XXXX sytem @ my home or owe them NOT XXXX BROWN PENNEY.They refuse to stop their tactics and continue to send collection notices after I told them 5 times not too!

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Prince Parker & Associates (NJ).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: Please note that none of the above selections match this complaint. 

When I dropped XXXX ( no contract ) for XXXX on XXXX XXXX, 2016, XXXX XXXX XXXX XXXX billed my XXXX XXXX card for a full month of service, through XXXX XXXX, 2016, during which time I only received 5 days of service. I complained to XXXX XXXX XXXX XXXX and they refused to listen to me. I disputed the charge with XXXX XXXX XXXX XXXX XXXX. XXXX contacted XXXX XXXX XXXX but XXXX XXXX XXXX ignored the request to validate their charge and XXXX subsequently credited me back the entire month payment, {$94.00}. 

I called XXXX XXXX XXXX and asked for my XXXX most recent bills, which they sent, with a new payment due date of XXXX XXXX, 2016. On XXXX XXXX I received the first of several debt collection phone calls. Also on XXXX XXXX, I sent XXXX XXXX XXXX a check for {$15.00}, the pro-rated amount for the 5 days of service I received during XXXX 2016. 

I did not receive a letter from the debt collector until XXXX XXXX, 2016 ( dated XXXX XXXX, 2016 ). This letter was late ( more than 30 days from the first call, from Prince-Parker Associates, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, NC XXXX ) and did not contain the required statements regarding notification that I have 30 days to dispute the validity of the debt or it will be considered valid and that I have 30 days to notify the debt collector, in writing, that I dispute the charges. I understand that all of these omissions are unlawful and are subject to a fine of {$1000.00}. 

I request the debt collector be fined and notified according to the law that they must cease and desist their collection activities. Their letter follows : " Date : XXXX XXXX, 2016 XXXX Total Due : {$79.00} XXXX Creditor XXXX XXXX Hours : M-Th XXXX XXXX Client Account No : XXXX Account No : XXXX Friday XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX Name and address redacted The above noted account is seriously past due. 

Please submit payment immediately. Send your check or money order to the address above or if you prefer to use a major credit card, fill out and return the top of this letter, visit the below website or call our office for details. 

This letter is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. 
Sincerely, COLLECTIONS DEPT. 
PRINCE-PARKER ~ASSOCIATES, INC. 

PAY ONLINE AT PayPrinceParker.com Account No : XXXX PIN : XXXX NOTICE : SEE REVERSE SIDE FOR IMPORTANT INFORMATION XXXX XXXX XXXX XXXX, NC XXXX The reverse side of this letter only provides their hours of operation. 

On XXXX XXXX, 2016 I sent Prince-Parker a certified mail letter notifying them that the debt is invalid, XXXX XXXX XXXX was paid in full for services provided, and disputing the debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2016 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (TX).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Received a bill in my minor sons ( XXXXyears old ) name from a debt collector. The company is Transworld Systems Inc XXXX, PA, referring creditor was XXXX XXXX XXXX XXXX Tx. I called Transworld upon receiving letter and was told by XXXX that she would just document that the child was XXXX but he still had to pay the debt. I spoke with a supervisor at that point. The supervisor XXXX informed that XXXX XXXX provided that my son was the responsible party for the bill, even though they have his date of birth on file.

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: XXXX XXXX card has not provided my signature. Signature is 100 % verifiable verification. Matching an address and email and phone number is not 100 % verifiable verification by law. I also had an attorney to find the licence of XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX. It could not be found by the attorney. I 'm asking for the licence of this company as stated under statue 225 ilcs 425/4 to do business in Illinois. Please provide both of these documents. It is against the law in Illinois to do business. Letters have been sent to the Illinois attorney General and Illinois business to confirm there licence in Illinois. Please forward info with that address and not to be confused with a holding or pass through entity.

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 01/26/2017 about Consumer Loan (Vehicle loan) with DriveTime (KS).
Issue: Managing the loan or lease

Complaint: I had a XXXX from Drive Time that turned out to be a lemon. They agreed to take it back and I could get another car. I got a XXXX which is now a mess also. The car has a short somewhere as it keeps locking its self and now the alarm keeps going off and I tried to undue the battery and kept it off for a while and when I put it back on alarm goes off again and I ca n't get in my truck cause it thinks the car is being broke into with the alarm going off. I was driving down the road one day when my lights started flickering and the alarm was going off while I was driving it. I was told XXXX was made better now and that they did n't have very many problems and now this which is now a second lemon plus the trunk pop up twice while I was driving it due to some damage back there that I did not see when purchased. They are selling cars that can cause wreaks or kill someone. I only had this car for 6 months.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Money transfer, virtual currency, or money service (Virtual currency) with PNC Bank N.A. (IL).
Issue: Money was not available when promised

Complaint: Today X/X/2017 i cashed out from the XXXX XXXX app XXXX dollars. It should have been sent to my pnc bank account. It was never received and they XXXX XXXX app is charging my paycheck. I emailed XXXX XXXX customer service, there response was to contact you about my bank

Company response to consumer: Closed with explanation
Consumer complaint received 12/25/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: This bill is 9 years old and was written off. Midland picked up an old bill and is listing it as new. There has to be a law to stop something like this. Is n't it illegal?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: A computer glitch that was TransUnion 's problem caused all of my inquiries to be deleted. TransUnion later added them all back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I contacted TransUnion in good faith to ask them to delete the inquiries that they had illegally re-added. I made several calls to transunion with my latest round of calls on XXXX XXXX, 2017. I spoke to several agents, one who even refused to provide me his name, and tried to explain that these inquiries add a hardship and that my rights were violated by TransUnion. Please help me make TransUnion stop victimizing me.

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