milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-02-2018 about Debt collection (Credit card debt) with Pressler & Pressler, LLP (NJ).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: This started when my bank account was frozen on XX/XX/XXXX. I contacted XXXX XXXX and they told me to call the SUPERIOR COURT OF NEW JERSEY to get more info. They gave me contact info for Pressler and Pressler LLP. After speaking to Pressler and Pressler LLP directly, they informed me of an alleged dept that I owed since XX/XX/XXXX. And not to mention I have never seen this negative item on any credit report I ever had. The amount of alleged dept is {$1200.00} plus an additional {$410.00} in interest and {$100.00} in court cost along with a {$170.00} court officer fee. So the balance of the whole claim is XXXX. I also found out that there was a judgement placed on me without ever knowing that I was being sued. There are countless complaints of this company winning default judgments without ever notifying the consumer of any dept. And lawsuits filed and won in regards to unlawful business practices. If I would have recieved written notification about this matter 17 years ago I definitly would have been in court to present my case that the dept was not mine. I also filed paper work regarding that I was DEFINITELY a Identity Theft victim. So far to this date the company has not reported results from any investigation. This Company is in violation of Section 623 of the Fair Credit Reporting Act. No copies of : *Account applications made on paper, online, or by telephone *Account statements or invoices *Records of payment or charge slips *Delivery adresses associated with the account *Records of phone numbers used to activate or access the account *Signatures on applications and accounts *Investigator Report This company also never sent any correspondence regarding : *Informing business where the account was opened that the dept is the result of ID theft *Stopping collection activities against me *Any records I requested. 
With this current violation I 'm forced to file a complaint with the FEDERAL TRADE COMMISSION. So let this letter be a NOTICE TO FILE COMPLIANT WITH FTC.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with JPMORGAN CHASE & CO. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XX/XX/2015 I filed a chargeback with Chase bank.  On or about XX/XX/2015 XXXX rejected the chargeback due to fraudulent statements made by the merchant.  Currently, the merchant still retains the XXXX in question by violating federal banking laws.  Sadly XXXX and chase bank are condoning white-collar crime and attempting to persecute the victim me.Furthermore, Chase Bank has threatened to report me as a negative banking and entity.  Inasmuch as it is not true it by itself would be a libelous statement.  This should not be allowed.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2015 about Credit card () with AMERICAN EXPRESS COMPANY (TX).
Issue: Sale of account

Complaint: I received a prescreened marketing ad for the American Express gold card in XXXX XX/XX/2015 and researched the card online. I decided to open the American Express XXXX XXXX XXXX card with a {$100.00} statement credit for spending {$1000.00} instead. I made my XXXX purchase with the card on XXXX/XXXX/XX/XX/2015. Within a week of receiving my card, American Express sent me a {$250.00} statement credit offer if I spent {$1000.00} in the XXXX 3 months if I use RSVP code XXXX. I called to request that this code be applied to my new account, and the representative told me she could not apply the credit. She suggested I try to close my current account and re-open a new account with that RSVP code to get the {$250.00} statement credit. Following this representatives instructions would cause me to incur a negative credit impact and also a possible balance transfer fee. I feel that since my account is still within the XXXX billing cycle and I received this prescreened offer addressed to me from American Express, that this company should honor the {$250.00} statement credit without making me close my current account and open a new account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/13/2015 about Credit card () with TD BANK US HOLDING COMPANY (NY).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I am submitting a complaint against Target Cause they continue to report a fraudulent account that I did not authorize to be opened in my name. They sold the account to XXXX XX/XX/XXXX and I was able to resolve the issue them and get the fraudulent account removed from my file. XX/XX/XXXX I put a complaint on Target and they refused to remove the account even though I have provided supporting documents with my claim. They proceeded to report to XXXX as if the Charge off was XX/XX/XXXX which put me in a worst predicament than I was. I am requesting for this fraudulent account to be removed from my file. I have sent them my police report and the letter from XXXX XXXX XXXX which I am going to attach to my complaint as well.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2016 about Consumer Loan (Vehicle loan) with CONSUMER PORTFOLIO SERVICES, INC. (MD).
Issue: Managing the loan or lease

Complaint: When I was young in the XXXX just starting out in XXXX I bought a car using Consumer Portfolio 's as the vehicle loan owners. Not shortly after buying the car from a shady car dealership I was in an accident. The car was totaled. I arranged for the insurance company to look at the car after I came back from a shorty underway on our ship. I returned to my car being gone and I was told by the towing company that the dealership picked it up. I called the dealership and asked for it back because I wanted the insurance company to look at it and be able to pay it off. They said that it was given to CPS and that they did n't have it anymore. The dealership laughed and laughed while I was on the phone begging them for the car back so I did n't get stuck with a loan and no car. I contacted CPS and they stated they never had the car and that I did n't have insurance. I stated that was n't true I made payments to geico that was set up through the dealership. They stated there was nothing I could do or prove. I continued to pay for this loan throughout my career until I had a son and no longer could afford to pay for a car I did n't have. Now in XXXX, they still call and harassment for an amount on this car I have n't seen or had. They could n't tell me what happened to the car. After years of dealing with this company they finally pull a story out of no where about the car and how it was all my fault. The dealership was shut down and no one there to give me answers. They harass me and try to get my address over and over and threaten to take me to court or take my taxes. They continue to report this on my credit even though its well past six years and they no there records are wrong. How does my amount of how much I owe them continue to go up. I get calls late at night sometimes from a weird number and answer and its them. I 've spent all of my XXXX career trying to fix this issue, as I know they took the car so the insurance company could n't do a pay off and if indeed my insurance was n't paid for I know this company worked hand and hand with the car dealership XXXX to do this to me.

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2017 about Debt collection (Medical debt) with Pendrick Capital Partners Holding, LLC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I reported this item to my credit report, i never new about this debt., nor is this debt mine, i have no knowledge of this amoit and account

Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2015 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have I submitted XXXX letters to the credit reporting agency asking for verification of account and how the verification as obtained. All letters were sent certified. I am questioning FCRA 611 nd FCRA 609 process. 
To date I have not received any reply to by letters sent certified on XXXX XXXX 2015 and XXXX XXXX 2015 certified. The Credit reporting agency has refused to reply and provided proper documentation for the records I listed in the correspondence and remove the items since not reply was provided. All copies of the letters and certified mail receipts are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2015 about Debt collection (I do not know) with WALDEN ASSET MANAGEMENT LLC (Closed) (CA).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: This complain covers unlawful representation, communication and improper contact and making threats of illegal action. All of the above. I do n't know how they contacted my family or friends, or how they knew who they were. Several times these people have called several XXXX times a day, and have called my parents and other friends and contacts misrepresenting who they are, stating that I am in legal trouble or other miscellaneous false information they have my ss security number and that I 'm going to be arrested, or some other bogus information to try and obtain information about me. They also state there is legal issues pending and I must call them or report a certain case number to them. This is obviously for some debt of which is invalid and they are threatening family and friends and using scare tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2018 about Debt collection (Other debt) with The Receivable Management Services Corporation (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: In the beginning of XX/XX/XXXX i paid the amount that i was offered to pay wich is {$300.00}, but my credit report me owe tht amount, i called the debt collector ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX, PA XXXX ) they told me that i have to contact XXXX. With that being said can you please remove the debt from my report it's affecting significantly my report. 

Kind regards XXXX 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 08/27/2015 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (AL).
Issue: Loan modification,collection,foreclosure

Complaint: The company threatening me with foreclosure may not be the holder of my note and I am unsure who is my servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
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: File Number : XXXX Dispute Date : XX/XX/2018 Report Date : XX/XX/2018 TransUnion 's reply to my dispute was as following quoted : We investigated the information you disputed and updated : Not specified. TransUnion allegedly re-investigated my dispute without verifying the disputed information with XXXX XXXX XXXX XXXX ( the data provider ). TransUnion failed to comply with 15 U.S. Code 1681i ( a ) ( 2 )  ( A ) before the expiration of the 5-business-day period beginning XX/XX/2018, when they did not provide prompt notification of my dispute to XXXX XXXX XXXX XXXX. As a consequence of TransUnion 's compliance failure to notify XXXX XXXX XXXX XXXX of my dispute, the information that I am disputing is still inaccurate, unverified, and can not be verified until TransUnion reports my dispute to XXXX XXXX XXXX XXXX. TransUnion 's re-investigation of my dispute was unreasonable. TransUnion persists in reporting inaccurate and unverified information for the XXXX XXXX XXXX XXXX account. The inaccurate information being reported by TransUnion has been seen and used by one of my creditors to significantly drop my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2015 about Credit card () with DISCOVER BANK (CA).
Issue: Delinquent account

Complaint: I received a call from a company that would n't identify themselves and immediately started recording the call. I asked who it was, and they would n't say and started asking who I was. I told them I would n't say unless they identified themselves. It went back and forth like that several times until they finally identified themselves as XXXX Business Card. They were recording this entire time. 

It turned out I had missed a payment. 

My complaint is that when calls like this are made, they need to ( 1 ) identify themselves immediately and ( 2 ) ask permission before they start recording. Neither happened. If this is not a requirement, it should be. 

I am also now concerned that XXXX has flagged my account as a collection problem or as an uncooperative customer. 

In a world where people are increasingly getting scammed by callers who are insistent or downright bullying, there is plenty of reason to not trust someone who calls and exhibits these same behaviors. And it most definitely should be prohibited for any credit card company to use these tactics, which puts them in the same league as phone and online criminals.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (DE).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: While this company servicing my loan was still XXXX XXXX, the monthly payments were very high and they were not willing to work with me to lower the payments and make them more affordable. I entered into an agreement with them where once they adjusted my monthly payment, and they were made on time for 6 months, that all negative information related to the account would be removed. Once thee account carried over to XXXX the same terms were to apply. To ensure that there were no problems considering the reputation of these companies, I enrolled in auto pay. The payment have been made with a hitch for a quite a while however, the company has not honored their commitment. Furthermore they are still reporting late payment although I am enrolled in auto pay and have proof that the payments were made. I am in the middle of trying to purchase a home, and the XXXX XXXX/XXXX question continued to come up with all perspective lenders. It is becoming very frustrating and costly. They continually misreport, and have basically harmed me in every way listed in the lawsuit filed by CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/19/2017 about Debt collection (Medical debt) with Radius Global Solutions LLC (NV).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a debt collection letter in the mail on X/XX/17 from Central Credit Services/XXXX XXXX XXXX XXXX. The original creditor is XXXX XXXX XXXX in the amount of {$660.00}. The account number is : XXXX. This debt does not belong to me. I am not responsible for payment for this debt, someone else is. In the letter, it states that XXXX XXXX XXXX purchased the account as the collection agency. This letter gives 2 options for payment. Option # 1 was to split the balance in 3 installments. Option # 2 was to reduce the payment to {$400.00}. I an disputing this alleged debt that is reporting negatively on my credit file. Like I mentioned before, I an not responsible for payment of this debt, someone else is.

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 12-07-2016 about Debt collection (Medical) with PMAB,LLC (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I 've disputed this issue twice with all XXXX credit bureau 's. I 've requested my signature and proof that this is my debt twice, I have yet to hear from the creditor PMAB which is a 3rd party that 's trying to collect from XXXX which i do n't know who XXXX could be. I do think its supposed to be XXXX which is XXXX XXXX XXXX which i 'm still disputing. This would make this debt invalid, which would make it a discrepancy on my credit report for reporting inaccurate information. 

This is the letter that i sent them and i have had no response Dear PMAB, After viewing a copy of my credit report, I noticed XXXX collection account placed on my credit from from XXXX XXXX XXXX account # XXXX {$330.00} and XXXX XXXX account # XXXX {$210.00} I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore, my request is twofold -- validation of debt and HIPAA authorization. 

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Student loan (Private student loan) with Navient Solutions, LLC. (AZ).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Navient claims I took out a XXXX XXXX XXXX XXXX account number # XXXX on XX/XX/XXXX for an original disbursement of {$30000.00} I have no record of ever taking out a student loan for that amount on that date or even close to it. 

In addition Navient claims I have been delinquent since XX/XX/XXXX but has never reached out to me either by phone, mail, or email. To make it worse it only showed up on my credit report as of XX/XX/XXXX when I had my credit pulled as part of a job. 

No one returns my calls as they send me to voice mail when I call their numbers soon as I enter in my account information. 

This lack of responsibility, mismanagement, and outright deception could cost me a high paying job that I qualified for based on the harm of negligence, incompetence, and complete fraud on their part. 

I dispute their legal right to collect on a loan that they made up and claim I owe due to fraud on their part. There is no paperwork showing I took out a student loan for that amount on that date as they just made up a loan. The loan amount, disbursement date, interest, loan balance, and the loan itself are all made up and are just lies. I ca n't believe this is happening in America and that this is even legal in any shape, way, or form.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (OR).
Issue: Loan modification,collection,foreclosure

Complaint: In the Fall of XXXX, Wells Fargo Home Mortgage ( WFHM ) did mortgage modification making my home loan more affordable. My mortgage loan with WFHM started to default in XXXX of XXXX due to divorce & my becoming XXXX. I signed up for Home Mortgage Foreclosure Avoidance Program sponsored by Oregon Department of Justice. I went through the program twice but was unable to meet their requirement due to Debt to Income ratio. After utilizing and exhausting all of my financial resource 's to try to remedy the problem, I am not hopeful of any solution. Further, I was contacted by WFHM and ask if I had consider walking away from my home mortgage, recommending that I apply for a Mortgage Release / Deed in Lieu Foreclosure ( DIL ). The DIL was a Cash Incentive Based Program by WFHM with a potential paid out amount to me of up to $ XXXX. These monies were to help with relocation costs such as rent, moving, labor, storage and cleaning costs. 
It should be noted that WFHM did have certain requirements mostly associated with the condition that the home was left in, I.E., cleanliness. In XXXX of XXXX WFHM initiated the formal Foreclosure. In XXXX of XXXX, I applied for the DIL and WFHA requested such documents as ; My Hardship Letter and Income Proof. I received notification from a XXXX part company named ; XXXX XXXX XXXX XXXX that the Trustee 's Sale would take place on XXXX XXXX, XXXX. On XXXX XXXX, XXXX I contacted WFHM, less then 72 hours before the Trustee Sale date, I found out from WFHM my mortgage loan no longer existed in Wells Fargo 's system and that the DIL was off the table wad I was never notified. Further, I found out that Wells Fargo sold my mortgage to a company named, XXXX XXXX XXXX. XXXX XXXX Loans offered a Deed in Lieu Program but requires 37 days and without any cash incentive for relocation expenses. This seems to be completely wrong and I feel that my Due Process Rights Have Been Violated. How many other people do they do this to. I lived in my house for nearly 30 years and now that I become XXXX I limited to what I cane do and how I can do things without help. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Oregon XXXX ( XXXX XXXX XXXXXXXXXXXX

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