milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-01-2016 about Debt collection (Payday loan) with National Credit Adjusters, LLC (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This company, National Credit Adjusters, keeps calling me and my family members. They are telling my family that I 've skipped out on a debt owed and they need help locating me. That 's embarrassing, plus when they tell them to stop calling, NCA, informs them that they have every right to call and will not stop until they locate me. I 've talked to NCA and informed them that I 've already paid the debt to the original debtor and I have proof. The person I spoke with said to send it to them and I did. He gave me the email address of XXXXXXXXXXXX. I have documentation of that as well. After sending him the information, I told him to stop calling me and my family and he said he would document it. But the calls have not stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I noticed that Equifax is reporting court accounts that are not mine. I would like for them to investigate this information

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2017 about Consumer Loan (Installment loan) with CITIZENS FINANCIAL GROUP, INC. (NY).
Issue: Taking out the loan or lease

Complaint: This is in response to previous complaint XXXX. The issues from this complaint were not addressed. 

1. Denied loan due to " GARNISHMENT, ATTACHMENT, FORECLOSURE, REPOSSESSION, JUDGMENT OR COLLECTION. '' I do not have any of these items on my credit report, nor have I ever. I called XXXX and verified that what is is listed on my credit report is NONE of those items. My credit report states some cards were " being managed by a credit grantor/ financial counseling program. '' A debt management program is VOLUNTARY, not ATTACHMENT! 
2. I was wrongly denied this loan. 
3. On XX/XX/2016 I was called at XXXX by XXXX from the chairman 's office. I returned the call 30 seconds after I recieved the message, and the call did not ring and went straight to XXXX at the chairman 's service voicemail. I have left many many messages, while calling XXXX over and over again, almost every day, for the last two months. I have called corporate numbers, where they have said they will send an email to get someone to call me back. Conveniently, no-one ever does. XXXX XXXX, who provided the response to my original case, has provided me the same number to contact them. I have phone records of all of my attempts to call and reach anyone at this company. 
4. I feel this company is extremely shady, and I will be sending letters to XXXX, the company this iPhone upgrade loan is through, to provide them with this terrible feedback, and taking it further to a lawyer if this company can not provide an appropriate resolution for their wrong doing for over two months now.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2017 about Credit reporting () with ENCORE CAPITAL GROUP INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Midland Funding is reporting an account that was closed in XX/XX/XXXX by XXXX as a Opening date of XX/XX/XXXX and XX/XX/XXXX, which means that this debt will remain on my credit for until XX/XX/XXXX b/c it reflects the account being 1yr and 1 mo old. This is a incorrect date b/c XXXX closed it in XX/XX/XXXX and it should start from that date. I disputed this account thinking that someone stole my information b/c of the dates that were reported as being " opened ''. When I called XXXX XXXX they were unable to find these accounts by my ssn. After doing some digging in their systems they confirmed that it was sold to Midland but it should not show up as a opening date of XX/XX/XXXX and XX/XX/XXXX. The lady submitted a dispute with their credit department to have it removed. After doing my investigation midland is re-ageing this account and which they cant do that by law. I called Midland and the rep stated that the date of XX/XX/XXXX and XX/XX/XXXX should not be showing as an opening date on my credit and it should be converted back to the date in which it was closed by XXXX. I explained to her and read what was on my credit report. She said she would document the account b/c its already in a dispute status b/c this is the 2nd time I am disputing this.

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit Protection Association, L.P. (IA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XXXX I called XXXX and contracted their Internet Services over the phone for my apartment located at XXXX XXXX XXXX . XXXX . XXXX in XXXX XXXX, Iowa. XXXX sent a technician to install the modem, and asked a front payment of more than XXXX dollars, my husband was in the apartment and called me about that payment. I called XXXX customer services, and complained that they never explained me about those charges when contracting the services over the phone, the representative stated that it is part of the installation cost, plus modem rental, I asked to cancel the Internet service at the same day, they agreed to did it, and mentioned that I needed to pay XXXX dollars for installation cost. I complained over the phone, and refused to pay that abount, expressing that it was unfair and that I wont pay that amount, I asked if they could remove it, the representative agreed, but made me aware that I should needed to return the modem to the local XXXX office within the same day. I went to the office and returned the modem, they printed a receipt for me with XXXX balance on my account. Afterwards I got multple bills, and called customer services to ask them remove those charges. The staff who answered my call said that the account had XXXX balance. I started gotten collection attempts, and called again customer service, they said the account had a XXXX balance. I even stop by the local office and complain about the collection attempts, the secretary searched my account and said that the charges were removed but they take time to update the account, and that I supposed to wont get the collection attempts anymore. I got the third notice on XXXX XXXX, 2016. The Creditor is XXXX, account # XXXX, service balance XXXX plus XXXX collection fee. Please help me with that. I can pay the money, but it is something that I dont own, it is unfair, and it is horrible that those companies abuse of us in such a way. It is time consuming, disgusting, and difficult to submitt claims, especially for non native XXXX speakers such as me. However, it is worthy, because we should not allow those companies to continue abusing of clients.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/25/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (CA).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: I filed the dispute twice and the Barclay Bank still charged to my account. 
My credit card limit is {$2000.00} and unauthorized charges were appx. {$2800.00} therefore my credit score got decreased under XXXX and I am having problem getting mortgage finance. 
I am a victim and this bank is making my life miserable, I can not purchase my dream home.

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 02/28/2017 about Mortgage (FHA mortgage) with BAYVIEW LOAN SERVICING, LLC (NJ).
Issue: Settlement process and costs

Complaint: Because of the illegal selling of my mortgage to Bayview Loan Servicing I receive phone calls from the customer services I had made it clear I do not know this company nor what to business with them XXXX and Bayview went to the table to benefit themselves without me they should n't be call me contact my realtor trying to find my tell the realtor that the bank has they own realtor company this is not my business the realtor text me this number XXXX XXXX who again I do not know because of this illegal sale I receiving advertising mail from the following attorney office the names are XXXX XXXX XXXX XXXX, NJ XXXX XXXX, Law Office of XXXX XXXX XXXX Because of this illegal sale of mortgage I 'm being harassed and my mailing address is made public and long with my personal business the Bayview Loan Servicing do have the right to tell me that they will be showing my house no have right to enter my home without my permission please ensure that my United States Civil Rights and not being valdated

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, 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: On   XXXX   XXXX   XXXX     I submitted a dispute to   XXXX    regarding  XXXX  financial on my credit report. I asked for all the information regarding the account be verified. On   XXXX   XXXX   XXXX   the investigation was completed and it came back verified. It is my belief that  XXXX  did not complete a investigation because EVERYTHING on the account is reporting inaccurately. The high balance is incorrect, the balance is incorrect, and the date of last payment is incorrect. I am fully aware of my rights and if the credit bureaus fail to investigate and update with accurate information according to the FCRA then this account must be removed.  XXXX  is supplying the credit bureaus with outdated, inaccurate information and the accounts should be deleted from my credit reports. You will find a copy of my   XXXX   dispute regarding this account. I have also supplied you with the latest information reporting from Equifax so that you  may  compare the inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2018 about Debt collection (Medical debt) with United Consumers Inc (MD).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: XX/XX/2018 and XX/XX/18 I requested a copy of the original signed and dated contract for Each one of the debts reported on my credit reports, with my original signature validating me as the guarantor of the debts which the original creditor XXXX XXXX  XXXX requires you to sign at time and date of service, showing you agree to the terms and you are the guarantor that will be liable for any debt incurred from hospital services. 

The debt collection company failed to provide me with the guarantor document signed and dated for the date that each debt services were provided. This document is used to make sure that the correct person is identified and charged for the services. The debt collection company only sent a computer generated ledger showing the services that were provided on each date, the cost of the services on each date and that XXXX XXXX  XXXX placed this debt to my information. The debt collection agency failed to send the requested document to validate that these debts actually 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 explanation
Consumer complaint received 12/23/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have submitted multiple disputes for a Tax Lien on a boat that I sold in 2012. Apparently the buyer shipped the boat out of the country and DMV never received my Release Of Liabality. I have since filed another Release but every year since received a tax lien and a couple of which i paid because I did n't know what to do. Please help

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with JPMORGAN CHASE & CO. (FL).
Issue: Fraud or scam

Complaint: Went to Rent a House for my XXXX bday, found a person through XXXX and she talked me into sending her {$690.00} deposit via my bank site, When I logged into my bank site I was able to do a " XXXX '' bank transfer which I thought since it was my own bank site they would have my back. Long story short, the person that I sent the {$690.00} dollar deposit cancelled my reservation when I asked for more details less than 24-hrs later and did not give me a refund as she promised. Since then I have filed a complaint with my bank twice ( Chase ) and they said that all XXXX bank wires are non-refundable. I filed a police report with the XXXX County Sherrif 's office and they said this is a Civil Matter, I spoke with XXXX XXXX   and they did not care and then Finally I hired a Lawyer who sent three certified letters to who we " think '' this person is. The problem is the person I sent the money too I only got their phone # ( which was the # I used to direct deposit ) and her email address. My lawyer found the house I was " supposed '' to have rented and sent certified letters asking the person to give me my {$690.00} deposit back but they have fallen on deaf ears or they have been refused. The bank still does not care that I sent {$690.00} to someone and I received nothing in return. I was scammed and because it was through " XXXX '' I have no protection. The lawyer said we could file a Civil Suit which would be another XXXX dollars but the biggest problem is we do not know who the person is and if we try to serve them with a process server that will cost more money, and if they even show up for court is another story all together. I just want my {$690.00}, I have a lot of proof, including a lawyer who tried to help with a demand to give my money back. The thing is, they were going to give me my money back but started giving me " rules '' -- they wanted me to send a picture front and back of my license but I was uncomfortable with that. Another interesting note, the rental house is still active on the " XXXX XXXX '' rental site but the person changed the name from " XXXX '' to " XXXX '', again XXXX does not care and does not want to help. Please look into why XXXX is not protected and what you can do to help me recover my {$690.00} deposit that I Sent. I have all the proof that this money should be returned to me. 

Important Info : Person I spoke with said her name was " XXXX XXXX '', her phone # is XXXX and her email address is : Email : XXXX The house address I was supposed to rent, the lawyer found it as address : XXXX XXXX XXXX XXXX, FL XXXX which is owned by a XXXX XXXX XXXX which comes back with the owner : XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX FL XXXX -- XXXX has not responded to certified letter or calling him once. XXXX XXXX is another name that came up as well with the original phone #. 

https : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: A bankruptcy along with non-approved inquiries was dispute over 30 days ago and a removal was requested. I have a certified receipt of delivery of that request. No action has been taken by TransUnion as of this date, XXXX-17.

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 09/30/2016 about Credit card () with DISCOVER BANK (FL).
Issue: Billing disputes

Complaint: I purchased XXXX items from XXXX, the total price was {$33.00} and they denied that they used an old card. They say they used the card that was up to date, which is false, if they had, this problem would not have happened. I have a {$8000.00}. Limit and have a payment of {$170.00} due on XXXX/XXXX/2016, do n't know who put it on credit report, XXXX and all are on credit report, at once. Is there anything I can do to get them removed, my credit score went from XXXX to XXXX in a mighty swoop. I need some direction to get my credit score repaired. Thank you!!

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2017 about Student loan (Non-federal student loan) with MASSACHUSETTS EDUCATIONAL FACILITIES AUTHORITY (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I am a co-borrower on a private MEFA ( Massachusetts Educational Financing Authority ) loan. The primary borrower, my parent, defaulted on this loan and while I understand I am fully responsible for paying back the loan, I was NEVER warned that this loan was going into default. I never received notice, by phone or by mail, about this default status nor was I given the opportunity to make payments or take responsibility. My credit has now been absolutely destroyed by this. I pay all of my other bills, loans, and other debt in a timely manner and on time - this can be proven by the other items on my credit report. This loan alone has now been allowed to completely ruin my financial future. I went for years without even knowing about this defaulted loan, and I only found out about it when I tried to apply for a mortgage and it came up on my credit report. I had absolutely no previous knowledge of the status. I called the collection agency that my loan has been assigned to, and I tried to work with them but I can not afford to pay the total, especially given the cumulative interest that this has accrued. The primary borrower is making payments as well, so I am afraid of tarnishing their payment agreement. I have no good solution to this problem and do not see any way to otherwise help my credit. This will likely haunt me forever. I 've called multiple times and MEFA is unwilling to work with me at all. I have spoken to various representatives who have promised to see what they can do and none of them have ever called me back.

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AZ).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I attended a school online. XXXX XXXX online. I applied for F.A.S.A I felt that I could handle the payments. When I stopped going to school, I was told the school closed. I called them the other day and only the online school I attended had closed. The people that I had received the loan from did not notify me of any bill or payment plan or management. A few months later, I received a paper from them saying this bill was paid in full. Then I was notified by Navient to pay up. My payments were XXXX a month. I had been on XXXX for seven years and was afraid I could not even get a job. i recieved threatening phone calls from Navient and told I would have my bank seized and would never be able to get another student loan. I was told where to find information about this bill. So I looked on their web page. They are charging me double what the school costs. They sent me a letter saying it was a federal crime to lie. So I am being cheated and do not know how to get out of it.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2016 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XXXX/XXXX/2016 I was reviewing my credit reports and noticed that a collection company by the name of Commonwealth Financial System was reporting a medical account for {$1000.00} as of XXXX/XXXX/2016. I immediately called them with my financial advisor and spoke to a supervisor by the name of XXXX XXXX extension # XXXX. We explained to her that the account was not mine and questioned her how can they send wrong information to the credit bureaus without making sure that they are sending the correct information? She stated that all they do is send a letter informing the person that the debt stands but other than that that 's all they do. I stated to her that that 's wrong because the FCRA states that they have to verify all information that 's true and correct before reporting to the credit bureaus. She stated that they sent a letter to XXXX XXXX XXXX XXXX. XXXX, FL XXXX. I stated to her that I have never lived there. She really did n't have an answer for this. I requested that they stop collections attempts and to have this account removed from my credit reports. This account has affected my credit scores by more that XXXX pts. and I have a business that depends on my credit score and now it 's deeply affecting my business. I was instructed to send a letter of dispute and to contact all three credit bureaus. The account number is : XXXX.

Company response to consumer: Closed with explanation