milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/22/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (IL).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: received a call from XXXX XXXX XXXX Portfollio Recovery. After they had been advised not to call my cell number in regards to a debt that was included in a bankruptcy from a divorce in 2014. They call 7 times from this number then 4 blocked calls then 3 unknown until I picked up. Then they proceeded to threaten me with arrest call be a XXXX XXXX XXXX XXXX and tell me they were issuing an arrest warrant since I was a XXXX XXXX XXXX. 14 calls and verbal abuse and threats after I told them not to call the cell.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2016 about Debt collection (I do not know) with Nevada Credico, Inc. (NV).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: This account was opened through a friend of a old friend it was made without me consent. That person was friends with someone at XXXX the person who opened this account use to live with me and used my info. To continue the contract after I cancelled it months after opening 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 12-06-2017 about Debt collection (Medical debt) with Medical Data Systems, Inc. (GA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Ive sent to HIPAA letters already informing Medical Data Systems That theyve violated my privacy by having information from a medical provider and asked that they delete it immediately from my credit report which they have yet to do but insist on sending me debt collection letters. Its illegal for them to have any information dealing with private medical matters! Theyre also not licensed in the state of Georgia where i reside. This account was added between XX/XX/XXXX-XX/XX/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 12/16/2016 about Debt collection (Medical) with Revenue Recovery Corporation (ND).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: I have disputed this account and have no verification of this debt. I am unaware of any outstanding medical bills that I owe this company. I have always had Medicaid as an Insurance provider. If I had any bills Medicaid would 've paid them. It is also against the law to bill someone who 's insured with Medicaid for any out of pocket expenses.

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 08-04-2017 about Student loan (Private student loan) with DISCOVER BANK (NJ).
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint: I never applied for the said student loan nor i had ever intended or will ever intend to apply for student loan with XXXX XXXX XXXX. I had informed the company and the company requested affidavit confirming this and I, a victim of ID theft, has executed the attached affidavit to that end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/26/2017 about Checking or savings account (Savings account) with GOLDMAN SACHS BANK USA (MD).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: I added my wife 's name to my account with GS Bank ( Account # XXXX ). The bank requested a new signature card, which my wife and I completed, and I returned. I then received an email saying that the card was not received. When I called, I was told that it was received, but that my social security number was incorrect. As far as I can tell, a zero with a slash through it was incorrectly read as a " XXXX '' rather than a " XXXX ''. The representative told me that a new signature card would be sent overnight on XX/XX/XXXX, and all that was required was my signature and another copy of my SSN.
That overnight letter was not mailed until XX/XX/XXXX, and received on XX/XX/XXXX. When I called and asked what happened, " XXXX '' told me that they made a mistake, and " that happens. '' He also told me that I would have to again travel and obtain my wife 's signature, and provide the other easily provided information. 

When I called again today, I was told that " everything is ok '' without any explanation. I do n't know what is needed, or why the delay/error occurred. The explanation that " errors just happen '' indicates to me that GS Bank has not resolved essential process aspects to their banking model. 

I would like a clear explanation of what is needed at this time, and how they want the SSN written or typed.

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2016 about Debt collection (Credit card) with Johnson Mark LLC (AZ).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Johnson Mark XXXX is attempting to collect a debt which was outside of the statute of limitations. There was so attempt to contact me with updated contact information. The Law office claimed to have served me or a person at another residence and filed a lawsuit against me even though I was personally not contacted. The law office started to garnish my wages11 years after the account was closed. No additional attempts were made to contact me at my residence. There had not been any garnishment attempts made prior to this. Mark Johnson LLC has not provided me with written documentation of verification of debt, name, address of original creditor, statements, previous payments, or account information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I feel like I have been taken advantage of by XXXX College, XXXX and XXXX XXXX, now Navient student loans in XXXX. XXXX convinced me into unaffordable student loans which not until after I graduated in XXXX, realized they were private loans. My loans today in XXXX is still about {$80000.00} outstanding! I 've been through deferment and forbearance and all of the steps to find relief and lower payments. I 've been denied the public service loan forgiveness which I never fully understood why. I am currently in year XXXX working in non-profit public service. My loans which they tell me can not be consolidated and the lowest they got down to is roughly $ XXXX/month. I am on-time with my payments. I pay through electronic funds which the discount is included in the $ XXXX/month. Since I 'm married I 'm not able to claim student interest on my income taxes. I have XXXX children. With the income I make, I am not able to enjoy the fruits of my labor to the fullest as it seems as though I pay XXXX mortgages ( well XXXX for real and the other in student loan payments ). I am somehow on a 25-year plan which means I will be XXXX+ years old before paying off this loan. This has to be some kind of mistake. I did n't go to school so that I can pay student loans and be in debt for the rest of my career and life. I do n't know what else to do, but do n't feel I should still owe close to {$80000.00} in combined private and federal student loans. I pray that I find relief in this somehow without have to pay for a lawyer or financial advisor which will put me in more debt. Somehow I would like for President Obama to know about my situation as I know he is doing his best to help students find relief. I 'm lost confused, disappointed and feel suckered at making these payments monthly. Oh and may I add that all of training was done online with XXXX College. I never stepped foot on a campus.

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have called, sent and faxed over letters to TransUnion about having inquires on my credit report that I did not approve. I have not heard anything back I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the  accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. If they are unable to show me proof.By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint. Here are the following inquires that should not be on my Transunion report. 


XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXXInquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/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 05/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I have disputed with all XXXX CRA 's and have sent them 3 dispute letters asking them to send me the information and and documentation that they have or used in there file that they used to verify and account on my CR account being XXXX XXXX XXXX ( which is not my account ). As I 've stated I 've sent 3 dispute letters asking all XXXX bureaus XXXX, XXXX, and transunion asking for these docs and if they ca n't not show forth the documents on how they verified this account that they must remove this account off of my CR as it is causing me to look very negligence with my credit. I have still yet to receive any supporting documentation form any of the XXXX bureaus with this 3 letters that I have sent I just continue to receive verified or updated. This is in violation of my rights under the FCRA and I 'm filling this complaint in hopes of this being removed from my credit report being that I have continued effortlessly to pursue removal form my credit report within my rights under the FCRA as a consumer and I still have not gotten a valid response nor any documentation and I 'm hoping for that by me filing a complaint with the CFPB that a resolution of removal of this account can be granted due to the fact that I 've sent 3 letters without any resolution. Thank you in advance

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 03/30/2016 about Mortgage (Home equity loan or line of credit) with CIT BANK, NATIONAL ASSOCIATION (NY).
Issue: Loan modification,collection,foreclosure

Complaint: I purchased my home in XXXX due to my mother getting older she moved in to our home. In XXXX I wanted to refinance my home and it was then that XXXX of XXXX offer us a reverse mortgage for I was using my mothers income .. I had no idea of how the program really worked. I was concern that there was no payment and that we had not received any money in our hands. However, there is no mortgage payment and my mother passes on in XXXX. 
I sign all the paper work at the table closing with my attorney and the bank attorney. 
It is my understanding that I am on the note and the deed. I had hire an attorney to guide me to no success. I am told my house is in foreclosure and there is a sale day. Please help me find out what is going on with my house. My mortgage was served originally by XXXX XXXX When XXXX closed down Financial Freedom took over. I have XXXX children. I am a single parent trying t safe my home. My children are working now trying to help me to keep our home. My FH case # is XXXX My Lender account # is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2015 about Debt collection (Medical) with Voss & Klein, LLC (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I received a email from this Agancy Voss & Klein collection agency, who I have no idea how they got my email address. The bill was XXXX $ however the bill from the dental office was only XXXX $ which I received a statement 1 week before the collection agency emailed me. I felt this company is illegally billing which they did last yes when I paid XXXX $ for a XXXX $ debt from the sane dental office. And would n't except a settlement amount from me when I asked for one. Please investigate this company. I pay my bill if their when the law and this bill is not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX. XXXX XXXX Account # XXXX Collection for XXXX XXXX XXXX XXXX {$720.00} Fraudulent Account Please Remove XXXX. XXXX XXXX XXXX Account # XXXX Charge off Past Due Amount {$570.00} Fraudulent Account Please Remove XXXX. XXXX XXXX Account # XXXX Charge off Past due amount {$570.00} Fraudulent Account and Reported Twice XXXX XXXX XXXX XXXX XXXX Submitted to Collection Amount {$750.00} Fraudulent Account Please Remove

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 09-12-2017 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: A recent Equifax security breach has resulted in my personal and confidential information in the hands of entities that should not at any time have access to it. I believe my information was improperly secured and I am concerned that Equifax is not taking appropriate precautions in securing personal data.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: Bank in question : Wells Fargo Tuesday XXXX I have been a wells fargo customer for 10 years, not that it seems to matter. 
I deposited a check via mobile deposit. 
When I went to see where the funds were they said there was a hold on the check because of " fraud ''. I asked for more information but they declined. I then went to the clients bank that gave me the check, they said the check was good and the money had already been debited out of her account. I spoke with multiple associates who told me multiple different things, one said the fed put a hold on it, another said the check image eas bad. The issuer of the check and her bank even tried to rectify the situation with wells fargo but they still wouldnt work with us. Then we were going to cancel the account but could n't because they had already taken the money! After this an Executive Wells Fargo supervisor told me they would be charging me a {$12.00} fee if I the issuer cancels the check. The systen will run the check again on the XX/XX/XXXX of this month and when I asked them not to do this they refused, and said I didnt have a choice, then I filed a complaint and when I asked for a copy of the complaint the executive said No. So what is to keep them from deleting my complaint and any record of the transaction and forced fees if I was to seek legal action? This is absolutely un-ethical. 
Thank you for your time!

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 06-05-2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a call from  XXXX   ( d iversified consultants inc ) claiming that my account with  XXXX   XXXX  was in collects and I need to pay them today since the now have my debt. I advised them I 've never had   XXXX   service and they claim it was actually  XXXX   XXXX  which I 've never had either. I asked the man how he could ask for payment from me when he has n't even verified who I am other than asking my name? His explanation was that I gave him my name so I must be that person. I told him either the claim of a collection is false information or your committing fraud by trying to get me to pay you for a fake collection. He then said they would n't call me anymore and hung up on me, but If I owe you money why would n't you just verify the details for me? They clearly knew that I did NOT have a collection and the entire call was a scam to get money. I 've never had a collection in my 18 years of having credit and this was a attempt to illegally collect money

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/31/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: XXXX XXXX I was no longer a XXXX XXXX XXXX and I was having trouble paying my student loans. A few months later I applied for forbearance as well as an income driven repayment plan. On XXXX XXXX, 2016 I received a letter from Fed loans explaining that my application for administrative forbearance was approved. The approval was backdated to include the dates of XXXX The approval dates means that retroactive forbearance should apply to the late payments for the months of XXXX, XXXX and XXXX XXXX Based on this new information all XXXX credit reports should be updated to reflect the change. The late payments were accurate at the time, however based on this new information it should be updated. 
Based on 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies. 
All XXXX credit reports should be updated to reflect the new information.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2017 about Other financial service (Credit repair) with Experian Information Solutions Inc. (FL).
Issue: Unexpected/Other fees

Complaint: Experian sent a letter stating someone had tried to change my name, ss#, or address.  Because I had a security freeze on my credit they were required to inform me in writing within 30 days.  Then referred me to their website to view my credit report for a $XXXX charge.  I did receive the report with no changes made and now they are charging me an additional $XXXX  This is very deceiving in what they try to sell on their website through a scare tactic of someone trying to break the security freeze.  They will not tell you who or which creditor has tried to make a change so they are just ripping everyone off by using this scare tactic and charging the $XXXX every time they send one of these letters out.

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 05/20/2015 about Bank account or service (Other bank product/service) with U.S. BANCORP (NV).
Issue: Account opening, closing, or management

Complaint: The US Bank, XXXX XXXX XXXX, XXXX XXXX Nevada, failed to remove a Hard inquire found im my XXXX credit report on XXXX/XXXX/2015 after I signed a Credit Bureau Inquiry Removal in the US Bank logo letter which is a legal agreement for them to proceed in removing their Hard Inquire from my XXXX credit files.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/30/2016 about Mortgage (FHA mortgage) with VANDERBILT MORTGAGE & FINANCE, INC (MD).
Issue: Loan modification,collection,foreclosure

Complaint: After a divorce in XX/XX/2015, I was unable to make my mortgage payments. I am not able to sell the house due to the fact that I am upside down in the property. I contacted the bank and requested a short sale. I also had an appraisal done and hired a realtor. We had a contract for the appraised value and submitted that to the bank with my short sale application. The Bank denied me the short sale citing my credit score was too high and my gross income was too high. Now they are denying me because of a Title issue. I do not believe there is a Title isssue.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I requested a credit line increase through your online Credit Line Increase Tool located at XXXX XXXX XXXXXXXX. I only did this because it clearly states A credit bureau report will not be requested and you will receive an instant decision. ( refer to screenshot on page 2 ) of that tool and that exact statement. I put in the request, my request was granted on XXXX. However even though your tool clearly states you will NOT request a credit bureau report your system requested one anyways as part of this request. 
- faxed letter attached : XXXX XXXX Credit Bureau Dispute Unit.pdf I contacted their customer service department multiple times and someone was looking into this and noticed there was a technical glitch in their system that initiated this credit pull by accident. XXXX XXXX followed up stating it was a system error and I should submit the request to remove this credit inquiry from XXXX Credit Bureau Dispute Unit department. After 4 conversations, 4 faxes sent all I received was their generic letting stating this hard credit pull will not be removed. 
- file attached : 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