milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/28/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Stellar Recovery, Inc. (NE).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My name is XXXX XXXX XXXX, Today I pulled my credit while applying for a new home loan, and found that XXXX was reporting me with an account in collections. I live and have lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX for the past 15 years. I was told that this account was set up at an address of XXXX XXXX XXXX XXXX XXXX. This account was set up under the phone number XXXX. That is not my address nor my phone number, I called the collections company and dealt with XXXX different people that all told me that I should just pay it. On the 6th attempt I talked to a lady who said she would get it added to the fraud list, but I am not confident that happened. I then called XXXX, the first person I talked to said to pay it and then he could transfer the service to my new address of the home I am trying to purchase. I called back a second time and talked to XXXX in financial services who said there was nothing he could do to help me, but told me that I could just pay it and get new services started at my new address. I have never had a property in XXXX nor am I going to pay a bill for services that I never had. The third time I called back I talked to a lady that said she would be able to put the account in fraud status but was n't confident that it would go through because I did n't know some account code number that I would 've received when starting the account, which of course I did n't so I would n't have the number. I feel like I am getting the runaround from XXXX and stellar recoveries and no one will help me, and now my credit is affected and I am not able to close on my house per the original agreement. My closing is now in limbo till this problem gets resolved. Fraudulant account address : XXXX XXXX Acct/Phone number XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: There 's a  XXXX  name showing up on my credit report  XXXX   XXXX   XXXX  that is not my name, I have never used an alias name I always use my name which is  XXXX   XXXX   XXXX  I have no other name.

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My loans are in repayment. In XXXX 2016, I submitted a check for {$5000.00} to Navient to pay down the principle of my loan. I used the address on their website. The check was cashed, but never posted to my account. When I called, I was told that the check went to the XXXX XXXX XXXX XXXX and they were a separate department. I was then told that I would have to wait. I called two more times over two months only to be summarily dismissed. Finally, in XXXX, I spoke to someone very helpful in their XXXX XXXX XXXX XXXX section. She was very apologetic and informed that a request for a refund was never made, despite me turning all of the required documentation. She told me that the check should arrive in approximately 2 weeks. 4 weeks later, I am on hold with Navient again. Apparently, the check may or may not have been issued to me. Certainly, I will also receive interest from the months they have wrongfully held onto my money??

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2017 about Payday loan, title loan, or personal loan (Payday loan) with Alliant Capital Management LLC (PA).
Issue: Struggling to pay your loan

Complaint: When I spoke with him on Tuesday, XX/XX/XXXX he was yelling at me telling me that I make good money and I was defaulting on this loan on purpose. I was willing to work with him, but he was so mean and even called me back on Tuesday after I told him I did not have the {$500.00} and informed me he would be contacting my husband to let him know what has transpired.. I never once received anything by regular mail, or email from XXXX or Alliant Capital only phone calls from this gentleman, the company phone number he left to return his call was XXXX XXXX XXXX, but the caller ID was a local number XXXX. I called him back later in the day on Tuesday and told him I was trying to get money out of another account to pay him the {$500.00} by the end of the week, which seemed to satisfy him. He said he would be calling me back by Friday to get an update. 
I googled Alliant Capital and there was information about scams related to this company, I contacted XXXX XXXX for a free case review, a XXXX XXXX instructed me not make any payments to them or give them any of my financial information and to file a complaint with the FTC, which directed me here.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ECMC Group, Inc. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I terminated myself from the sorority in   XXXX   due to girl doing too much drinking and drugs. So I had a meeting with the board and they said I would not owe anymore fees because I disaffiliated myself from the organization. I have tried to contact the sorority by phone and am unable to reach them and get no responses to my voicemails. This has been an ongoing processes of me trying to get ahold of them for almost  XXXX  years now. I also received and email from the sorority in   XXXX   XXXX   stating that I was no longer going to be charged after speaking to the finance department of greek life at  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 04-11-2017 about Debt collection (I do not know) with Rent Recovery Solutions (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: RENT RECOVER ACCOUNT NUMBERs :  XXXX   XXXX / XXXX / XXXX  Address :  XXXX   XXXX   XXXX   XXXX  #  XXXX ,  XXXX , GA  XXXX  Phone : (  XXXX  )  XXXX  Dear Sir or Madam : I am a victim of identity theft. I am demanding that you reinvestigate my credit file under the Fair Credit Reporting Act  Section 611 [ 15 USC 1681I ]. You   have no way to ascertain the legitimacy of my action without investigating the items in question. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify RENT RECOVER or any company associate with this account #  XXXX  and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report N otice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to a n account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Additional stall tactics on the part of your organization will be reported to the Federal Trade Commission RENT RECOVER  acc #    XXXX  or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation.   Sincerely,  XXXX ,  XXXX   SOC  SEC #  XXXX  DOB  XXXX / XXXX / XXXX  ADDRESS  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX , FL  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2016 about Mortgage (FHA mortgage) with FIFTH THIRD FINANCIAL CORPORATION (KY).
Issue: Settlement process and costs

Complaint: I requested XXXX to take care of title insurance for my real estate closing. During the closing, I was told by XXXX XXXX that they were not the ones doing the title insurance, that it was Fifth Third. He said it was my choice to select who I wanted. We had a Fifth Third loan representative there and asked her to change it and she called and nothing has been done to date. It has been nearly two months and no return of money. 
Secondly, there was a loan application fee that I paid for ahead of time that I was told I would be reimbursed. To date I have not received the {$350.00} from Fifth Third.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-04-2015 about Debt collection (I do not know) with Receivables Performance Management, LLC (SD).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: filed complaint before XXXX -- - they said need phone number to stop calling and did send in dispute response -- - their response wanted me call them but since not able use phones then ok how and no way calling collection agency and go round and round with before can help you need verify social security number and other stuff can just change person owing info to yours scam -- - not giving all kinds personal info like that just to demand they stop calling wrong person -- this is XXXX person

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2018 about Debt collection (Other debt) with Credence Resource Management, LLC (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XX/XX/XXXX I reached out to XXXX XXXX ( Incident XXXX ) notifying them of my repeated attempts to correct their billing errors. I downloaded and printed the XX/XX/XXXX bill that reflects an incorrect billed amount as well as names on the bill that is not mine. I provided a copy of my written contract and details of their errors and received a response from XXXX XXXX in writing on XX/XX/XXXX clearly stating that everything is correct. They did n't fix anything and instead stated that I will receive a late fee if they do not receive my payment in full by the due date. Since they did not wish to honor their written contract or correct the billing errors, I was forced to cancel services. Also made it clear that I was up-to-date ( clearly shown on last bill ) and would owe no monies due to their lack of interest in honoring their contract or correcting the bill and I immediate cancelled prior to their next bill. I called XXXX XXXX today and was notified they placed my account ( with the aforementioned known billing errors ) into collections with Credence. If XXXX XXXX XXXX XXXX does n't immediately clear up this matter, I will contact FTC and immediately file suit through Consumer Fraud Legal Services. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2016 about Credit card () with BARCLAYS BANK DELAWARE (MI).
Issue: Other

Complaint: This is similar to the current XXXX XXXX situation, but with a spin, since instead of opening a new account without your consent, in this case the consumer is duped into opening an account. I tried to buy a vacation package from XXXX ; at checkout, I was offered {$50.00} if I applied and was approved for a XXXX XXXX Credit Card, and used it to pay for the vacation package. I applied and was approved. However, XXXX did not let me use it to pay for the vacation package. I had to purchase the package using another credit card, but they still sent me the new credit card. This is a fraud because the consumer is promised a thing of value, {$50.00}, but then there is a 'bait and switch ' so that to complete the transaction, the consumer does n't actually get what was promised.

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 monetary relief
Consumer complaint received 08/26/2015 about Credit card () with PAYPAL HOLDINGS INC. (RI).
Issue: Billing disputes

Complaint: I had formerly used a service called Bill Me Later, as a " secure '' payment method for online purchases. I would then pay for purchases immediately, which is our practice. At some point, that service became PayPal Credit. I made a first purchase and was unknowingly signed up for a new credit line ( they do not make that clear ) ; the new method of payment for services was more complicated, as it morphed from simple secure payments to a scheme to collect additional funds from its users. They had my form of payment ( normal credit card, which had always been used to pay Bill Me Later ) and I never thought about it again until I received phone calls from PayPal looking for payment for purchases I made 8 months ago and two months ago. I did receive a couple of emails from PayPal in XXXX, 2015, but disregarded them, as I thought it was advertising. After receiving the " collection '' phone call, I immediately contacted PayPal and discussed this situation and voiced my displeasure. They had applied numerous late fees and interest to my account. I wanted to pay my bill and they agreed to eliminate the late fees, but insisted that I pay the interest charges. I do not think I should have to do so, as a result of that company 's deceptive practices. We never asked for a credit line, nor did we want one, but we may have signed up for one unwittingly when they changed from Bill Me Later to PayPal Credit, thinking we had to re-register. I have NOT paid my bill until this issue is finally resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: when i cancelled my XXXX services i returned all the equipment paid over {$200.00} to get out the contract. The person that helped me made it clear my account was at {$0.00} and closed. Months later i get a collection for {$86.00} that i do not owe. I told my friend the story and the exact thing happened to him with XXXX. 
This is not how you treat customers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 11/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I spoke to a Fraud specialist of Transunion and told them about the inquirys that appear on my credit history that i dont recognized .i send them a police report and proof that i didnt apply for those inquirys and nothing happen they still appear on my credit report.

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 12/20/2017 about Checking or savings account (Checking account) with HSBC NORTH AMERICA HOLDINGS INC. (CA).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: I lost my HSBC debit card in XXXX 2017. When I noticed the loss I immediately contacted XXXX XXXX and they informed me about fraudulent charges of XXXX XXXX. I was told that my funds will be restored and they will send me a new card. I contacted XXXX police department and filed a police report XXXX and I also filed Identity theft report with Federal trade commission XXXX too. I provided all that information to HSBC and their employee XXXX XXXX. It is already three month that my funds are not restored. I contacted HSBC several times and nobody helped me. Everybody told me that I should talk with XXXX XXXX and that person was never available or returned my calls. I am out of XXXX XXXX of my hard earned money and HSBC bank never tried to help me and secure my funds. None of their employees ( especially XXXX XXXX ) or supervisors did any investigation or contacted me to help this matter. This type of service from HSBC is against Electronic Fund Transfer Act, and implementing Regulation E, 15 U.S.C. 1693 et seq., 12 C.F.R. 205, and from my experience they dont care and have no interest helping their client.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2017 about Payday loan, title loan, or personal loan (Installment loan) with JPMORGAN CHASE & CO. (AZ).
Issue: Getting the loan

Complaint: Found a private loan company on the internet in  XXXX   XXXX , NV The name or company is  XXXX   XXXX   XXXX . I reached out to the loan officer,  XXXX   XXXX  Did not think anything suspicious because the number was a Nevada number. We had conversation for a few days and led to a promissory not signed by both. The loan amount was  XXXX  for a refinance. The origination and  Doc  fee was {$1300.00} I received bank account info to Chase bank with acct # and routing number. Account name also. The note was signed by  XXXX  on  XXXX   XXXX  and signed by me on the  XXXX ,  XXXX  days later.. I have not heard anything from the loan company other than they said the bank wanted 1 % of the loan for closing. This was not a bank loan, it was a personal loan through this investment company.  XXXX   XXXX   XXXX   XXXX . I have filed a complaint with the fraud and claims dept. at my bank which is   XXXX   XXXX   XXXX  .     I 'm asking for help to try to get my fee back.   XXXX   XXXX   XXXX   said that they will file with  XXXX  but, if the account holder does n't want to transfer the monies back or does n't respond, there is nothing do be done! Is n't this illegal?

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/27/2016 about Debt collection (Credit card) with PAYPAL HOLDINGS INC. ().
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a letter from XXXX XXXX XXXX regarding a XXXX debt of XXXX. The letter was addressed to XXXX XXXX, which is not my name, but sent to my address. I know nothing of this debt and tried phoning the number in their letter to explain this. However, every time I attempted to press Option XXXX I was directed back to the Options menu again. I wrote to the company instead explaining that I was not XXXX XXXX and knew nothing of this debt and asking them not to contact me again. However, my letter was ignored and I now receive daily automated phone calls urging me to telephone them, despite the fact I am registered with the TPS. Although I have blocked their calls, they leave an automated message. 
Yesterday, I received a letter from XXXX, another debt collection company, again addressed to XXXX XXXX, and this time the debt is for XXXX due to XXXX XXXX. Again, I have written to them to inform them I do not owe this money and I am not XXXX XXXX. The letter was sent by recorded delivery.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2017 about Debt collection (Credit card) with CAVALRY INVESTMENTS, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Calvary Portfolio is continuing to reporting an account which was paid & supposed to be removed..They claim it was settled but when I discussed the paying the account they said it would be deleted. The rep said it was called a paid for delete. I 'd like this item removed per the agreement ... They are not honoring the agreement & it is impacting my ability to get a loan ... I need it removed at once ... Additionally, I was informed they would be sending me a letter but I still have not received anything ... I think this is some form of bait & switch ... The account is damaging my credit. Please remove it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My credit information was illegally obtained due in part to the negligence of Equifax.

Company response to consumer: Closed with explanation