milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: On XXXX XXXX, 2016, a dismissed bankruptcy Ref # XXXX was added to my reports. which I never filed. There was never any dollar amount added, I 've reached out to the credit agencies many times. So far XXXX was the only CR agency to removed it, the incorrect bankruptcy still remain on Equifax and XXXX. This inaccuracy has damage my life with obtaining credit cards, housing and financial aid.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2018 about Checking or savings account (Checking account) with NAVY FEDERAL CREDIT UNION (TX).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: I was in the XXXX, I was stationed in XXXX when I opened a Navy Federal Credit Union Account. I applied for a motorcycle loan and was approved, then changed duty stations to XXXX XXXX Texas. While at XXXX XXXX Texas I ended up being incapacitated, suffering from physical and mental illnesses that restricted me from taking care of myself on a physical, mental, and financial basis. With all of this being said, I now had family members taking care of my finances or supposedly taking care of all of my finances. After years of trying to rehabilitate and integrate back into the military as a soldier, I was eventually XXXX  XXXX and i'm 100 % totally and permanently XXXX. I eventually went into Navy Federal to open my account back up in which I was informed that a loan was not paid in my name and that I could not open an account. I really valued Navy Federal and did not know that an account was never paid off. Either I did not know because the proper steps to inform me was not taken or because of the medical situation that left me unable to perform in the proper mental capacity at the time hindered the people taking care of my finances from knowing how or what to pay. I really would like this all to be fixed as it is not to the fault of myself and the unforeseen physical and mental problems I endured at the time. I just want my account back because i'm a great customer and a great person. I've called and tried to give my explanation in which there was someone who tried to help but transferred me to a supervisor who was completely non-empathetic to the fact that a person could have died and had to rehabilitate themselves as a reason to help due to extenuating circumstances.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2015 about Debt collection (I do not know) with Bronstein & Weiss Arbitration (FL).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: a few people over the last month have called me repeatedly at work and on my cell phone claiming to be attorneys from Brownstein & Weiss Arbitration. 
I asked them to send me something in writing regarding the debt they claim I owe. 
After several requests I did finally get a vague letter on XXXX XXXX. 
I immediately drafted a responce to the letter to Cease and Desist and that I have no record of said debt and if they had futher documentation to please mail it to me. 
I did not hear anything from them for a few days and then they called and left a message indicating they were going to service me XXXX days later. I emailed a repsone to the same emailed letter indicating I have certified my dispute letter to them. I had not heard anything from them since my email on XXXX XXXX until today. 
So far today they have called me at work XXXX times. The woman was very rude and nasty and told me I have XXXX warrants for my arrest for charges. When I asked what this is regarding she began screaming in the phone I told her to stop calling me and if they feel I owe money to please mail me proof to the XXXX XXXX provided them. They then proceeded to call my cell phone XXXX times in a row. 
They have now also called a co-worker and told that personI have XXXX warrants out for my arrest and they will be picking me up if I do not call them and resolve the debt today. 
This is absurd and is way out of hand. 
I always pay my bills on time if not early. I have no records of the debt they are claiming I owe and have simply requested proof and for them to stop calling my work and cell phone. 
Please help

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (GA).
Issue: Struggling to pay mortgage

Complaint: The mortgage company refuse to work with me in order to get a loan modification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I received a bill on XX/XX/2015 from Enhanced Recovery stating a debt had been placed with them for collection I paid on good faith that they would at least validate the debt. I had never recieved anything in regards to this debt in the past and I was told I had 30 days for them to validate. I still have not received anything and when I checked my credit report they had put this debt on there years ago. When I called back and spoke with " XXXX XXXX '' i told her I had only received XXXX letterfor collection ( XXXX/XXXX/15 ) she gave me an address that I had no knowledge of and had never lived at as being where the previous bills went. As of now the debt is paid and still not validated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/31/2016 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (CO).
Issue: Loan modification,collection,foreclosure

Complaint: I have been requesting a mortgage pay-off for the last 4 years but the lenders involved have not provided one for me. They submitted a pay-off in 2014 with the amounts they say are owed but the figures were not correct ; they lumped everything together and wo n't separate the amounts. There are monies I 've paid that are not reflecting on the pay-off they provided in 2014. They have kept my house in foreclosure for seven years and I have submitted modification packets 30+ times but they say they have not received all of my documentation the 30+ times I have submitted it. All I need is a correct pay-off with the lumped amounts separated so I can refinance with another company since it is evident, after seven years, they will not do a modification for me.

Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Ageny will not permit me, as a paying customer of theirs, to utilize the online dispute process for which I am paying a premium to use. 

" Error : XXXX-Your access to the TransUnion Online Investigation Service has expired. If you believe that information contained in your TransUnion Personal Credit Report is inaccurate and would like to request investigation or change of information, please visit www.transunion.com to learn how to submit your request by mail or by phone. ''

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 01/21/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (AZ).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: Between XXXX XXXX XXXX ( XXXX ) and Navienet they failed to explain the terms and conditions of the loan. I have a XXXX and now am struggling to repay my loans and am getting no help from either XXXX or Navienet. I have been in deferred payment status several times as a result of my inability to maintain a job and they have never offered any assistance beyond deferring payments which simply increase the total cost of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Debt collection (Private student loan debt) with Account Control Technology, Inc. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I received a copy of my credit report and noticed Account control technology reporting negative. I have no idea who they are so I looked them up on Texas Secretary of State website and found out the company is NOT bonded or licensed to collect in the state of Texas and they are in violation of Section 392.102 of Texas finance code reporting rules. ( See attached ) Secondly when I called the agency and gave them the account number my social did n't match what they had on file so I was unable to discuss the what 's but moreso why 's of why this account is reporting on my credit report. Prior to reporting I never received any correspondence about this alleged debt from Account control technology. I sent a vertification letter with no response.

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 05-06-2017 about Debt collection (Credit card debt) with Pressler & Pressler, LLP (NJ).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: I am in an active wage garnishment fro m Pressler and Pressler. S o far they have gotten me for over  XXXX  and actively collecting another  XXXX . The docket numbers for the judgement are not found on any public record with the state of NJ in my name for this debt. I want my money back and I want them to resend this bogus claim

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2017 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Ability recovery services Did not provide adequate verification for debt in question no documents were provided showing a contract or signature

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2016 about Debt collection (I do not know) with Montgomery & Meyers P.A. Corporation (CA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: XXXX Banks from the office of Montgomery & Meyers contacted me this morning after yesterday she verbally abused my wife on her cell phone. I asked he again to please send me do documentation of what she was claiming and she told me that i had it and was lying. I asked her not to talk to me that way and to stop harnessing my wife, She told me that I needed to pay the debt. I again told her that I needed her to send me some sort of documentations which I had requested four times to be emailed to me. She refused. I told her that I have never been in court on this issue ( she said I was lying ) and that I have never been served with any paperwork. She then said " you know what I will just see you in court '' A threat and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
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: Disputes were sent out on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX - To date, nothing has been updated or completed. Over 90 days and still the same letter being sent as verified. I am a consumer and it is my right to dispute inaccurate information on my credit report or reports, which I have, and nothing has been done about it.

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 06/13/2017 about Debt collection (Credit card debt) with Convergent Resources, Inc. (ID).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I received en email from XXXX XXXX XXXX XXXX XXXX The email was asking for personal info as well as trying to get me to download a .pdf and/or update my XXXX XXXX which should never be done except directly from XXXX to be safe. I called them and eventually heard they were trying to collect a debt that a previously did owe and have paid. They refused to supply any BBB info or any way to verify them with the state or a license number. So, I contacted the bank they said I owed money to just to verify that the account was paid in full and NOT in collections. It was, of course, paid as I recalled.
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The info from the email I was sent included contact info ...
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Wa 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 12/29/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have paid all my bills on time for 50 years and maintained a XXXX credit score, I was hurt in an accident XX/XX/2015, and did not have insurance. One of the doctor bill fell through to collections and destroyed my credit score even though I settled the bill. The credit company 's remarks are as follows : DEROGATORY PUBLIC RECORD OR COLLECTION FILED LENGTH OF TIME SINCE DEROGATORY REMARK OR COLLECTION IS TOO SHORT PROPORTION OF BALENCES TO CREDIT TO HIGH ON REVOLVING ACCOUNTS TOO MANY INQUARIES IN LASR 12 MONTHS HAS ADVERSELY EFFECTED THE 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 02/18/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a letter from XXXX XXXX XXXX stating that owed {$3000.00} to Pinnacle Credit Services , LLC and that the original owner is XXXX XXXX. I do not owed any money to XXXX XXXX or Pinnacle Credit Services. I wrote a letter to XXXX XXXX XXXX disputing this debt and requested proof that both the debt and the creditor are valid. This is a scam and I do not want this to affect my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: i have been told that I have a " credit freeze '' by those whom I am seeking credit from. I have called the bureaus and spent countless hours only to be hung up on. I am not able to unfreeze my credit by contacting any of the 3 bureaus. I need my codes to get my credit or my credit unfrozen pronto.

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 07-09-2016 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (IL).
Issue: Deposits and withdrawals

Complaint: I sold an item on E-bay and the buyer deposited my money in PayPal. When I tried to with-drawl the money I received the following reply. 

Why is my account access limited? 
Your account access has been limited for the following reason ( s ) : XXXX XXXX, XXXX : We need a little bit more information about you to help confirm your identity. 
( Your case ID for this reason is XXXX. ) XXXX XXXX, XXXX : Before we can offer you certain products and services, federal regulations require that we collect specific information to verify your identity. This information includes your name, address, date of birth, and National Tax ID or Social Security Number. We have n't been able to verify your identity using the information you provided, so we need some additional documentation from you. 

Until this issue is resolved, you 'll be able to log in to your PayPal account but you might not be able to add money to it or use some of your account features. 

( Your case ID for this reason is XXXX. ) I tried to resolve the situation and get money money but PayPal will not release it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-08-2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This companyPortofolio recovery asscXXXX vaCalls on old debts credit card that have been charged-off by original creditor and even been mailed a XXXX. These debts are old, though this co has bought them and has cleed at home on my cell-phone at all hours. They call and leave no messsage at home on cell. They call from several numbers likeXXXX XXXX XXXX XXXX XXXXto name a few. I fell harassed by this company for these old debts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-12-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Deposits and withdrawals

Complaint: I deposited a contract payroll check on XXXX/XXXX/2016 at a local Bank of America branch. The teller indicated that a hold would be placed on the check since my account was overdrawn due to a bank error that I filed in another CPFB complaint. More on that later. The funds would be available on XXXX/XXXX/2016 after XXXX. according to the teller and the deposit slip I received. The next day I received a call regarding my other CPFB complaint. I returned the call and left a message. Today on XXXX/XXXX/16 the CPFB complaint was resolved and the fees I was assessed for a debit charges that were label 'recurring ' when in reality they were not were reversed. I was happy with that outcome. The bank fixed the error. Subsequently, I went to check on the status of my funds because I was told they would be available today and so did the deposit slip I received. I chatted with an online customer service representative. She indicated that funds would be placed on an extended hold because the payroll check from a XXXX was likely to bounce. I asked what specific information that the bank received to put an extended hold on the check and she told me that it was automated and she could n't do anything about it. Additionally, I asked if I could get the check back and she said because it was in processing that I could not. I asked my employer if the check had a possibility to return and they said that there was no way that the check would bounce. The check is basically coming from a quasi-governmental agency. Additionally, the extended hold will last until XXXX. Bank of America said they only process information during business days. Additionally, the bank will not let any of the funds released because I am in the negative, which as was already stated was their fault and fees were reversed. I talked with XXXX different representatives on the phone and online and the bank could not give me a clear answer as to why suddenly the check was placed on an extended hold. The bank did not notify me of this extended hold. Thankfully, I chatted online and called customer service. I have reason to believe that Bank of America retaliated against me for filing a report with the CPFB by placing an additional hold on payroll funds. Moreover, this caused great harm to my financial situation because I ca n't pay my rent and I ca n't even buy groceries. There should be a mechanism where I can receive the supposedly " bad '' check so that I can cash it at XXXX or another place. Bank of America is basically holding my funds hostage in retaliation for filing a valid complaint against the labeling of XXXX charges as 'recurring ' charges.

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 01/21/2018 about Debt collection (Medical debt) with Capio Partners, LLC (NV).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On XX/XX/XXXX, I sent a certified letter to Capio Partners asking them for debt validation of the an account, as I never received any bills prior to debt of {$540.00} hitting my credit report. I received a letter back on XX/XX/XXXX stating they had attached verification of the debt they obtained from the medical service provider.

The documentation included 4 full pages, detailing all of the treatment/procedures done as well as the cost associated with the procedures and treatments given at the hospital. ( XXXX Hospital and Medical Center ) They have violated the regulations of the HIPAA Act of 1996.

I never signed a HIPAA form authorizing Capio Partners to have access to my patient information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/25/2015 about Bank account or service (Checking account) with FIFTH THIRD FINANCIAL CORPORATION (OH).
Issue: Problems caused by my funds being low

Complaint: Your form is malfunctioning. See attached description.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Social security administration reporting on XXXX and experian reports payment history is inaccurate. Currently Garnishment twice a month as well as voluntary payments being made.

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 07/21/2017 about Vehicle loan or lease (Loan) with Westlake Services, LLC (CA).
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint: In XXXX of 2014, I got a car loan from Westlake Financial. I agreed to a payment of {$350.00} per month. Every time I have made I was charge {$5.00} dollar processing fee. I did n't agree to the {$5.00} charge and it adds up over XXXX payment to {$180.00} more in payment on the loan. I am a XXXX vet on a limited income so this {$5.00} per month is an unplanned expense. Can these loan companies take {$5.00} from every customer? This would add up to a lot of profit on cost that was n't on the loans they give out.

Company response to consumer: Closed with explanation