milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-06-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Niagara Restitution Service Inc (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: Niagara Restitution contacted me and threatened to serve me on XXXX/XXXX/17 for a debt that was discharged in bankruptcy more than ( 3 ) years ago. As soon as I said lawyer they hung up. I 'm writing you because I am concerned that other individuals may be or have been threatened by this company. Other individuals may not know their rights and the debt collection laws. This company needs to be shut down and a class action lawsuit should be filed against them. I have evidence and I 'm sure many others have evidence of them violating debt collection laws.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed
Consumer complaint received 04/19/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have attempted numerous times to have the below items removed from my report regarding identity theft. The bureau keeps responding with stall tactics after I have sent my ID, Proof of address and police 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 non-monetary relief
Consumer complaint received 05/18/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Problems caused by my funds being low

Complaint: This stated with a deposit being made at this sub par branch into y account with a check. 

I was notified that out of the {$5000.00} deposit, {$1000.00} would be available the next day. When I check the next day there was only {$200.00} available. 

Please note that this was my wedding anniversary and I was in XXXX XXXX counting on this money to be there ... in fact I had already spent $ 300+ of it on our dinner ... Well Fargo rubbed salt in the wound by charging me a {$35.00} overdraft fee. 

When I called client support the XXXX person who answered was apologetic and went through the normal script routine and when I was told they could not release the funds I asked to speak with a manager who spoke from the same script. 

They stated the only people who could release the funds was the branch itself which I was then transferred to. The person who I spoke with went along the same script ... again ... when I stated with conviction that I would be taking legal action he transferred me to XXXX XXXX. 

Her inability to solve simple problems and how she seemed to enjoy to openly disrespect a U.S. Veteran, on his anniversary, proved she is incapable of her current position. 

This branch will lie, cheat, and steal and I look forward to publicly shaming them on a continuous basis until a public apology is submitted as well as a substantial settlement. 

It should also be noted that when the deposit was made via check, an option was given to deposit cash to ensure availability but since the {$1000.00} was stated to be available we did not go with that option or the option to deposit the funds into XXXX where my wife banks ... and where I will be shortly. 

CFPB, FTC and the Attorney General are also being notified in addition to legal action being taken.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2017 about Debt collection (Credit card debt) with Hunter Warfield, Inc. (NC).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: XXXX XXXX/Hunter Warfield ... I moved from an apartment the company was awarded possession of the property and no monetary judgement. I moved out in XXXX 2013, I did not sign a new agreeement or lease. I am providing a copy of court order granting them possession of apartment only .... I dont owe them any money .. The company reports this information to all bureaus, XXXX, XXXX and XXXX The judge awarded them possession of apartment which I left clean and in good standing ... The company keeps reporting this information through various companies and I want it removed I want it removed from my credit report immediately ....

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX RAN MY CREDIT TWICE IN ERROR! ONLY WAS TO SOFT INQUIRY.

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 09-05-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There is a social security number associated with my credit report that is not mine. I tried to remove it via the experian dispute website but it would not allow me to.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/24/2015 about Credit card () with CITIBANK, N.A. (FL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: The reason for my complaint is because someone did a fraudulent account take over on my best buy account. I had paid off the account and have been in florida for the last 10 months. I still own my home in which the billing is being sent too but being that I did not have a balance on the account I had no reason to be worried for any payments on my account. I found out the account takeover when I purchased an XXXX credit report and saw my best buy account as a charged off. I have tried to call in to speak to best buy about this and continue to be put on hold and transferred around. I do not have my card in my possession and do not know the full account number but do have the partial from the credit report XXXX and my social is XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2016 about Debt collection (Credit card) with Alliance Data Card Services (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Comenity Bank has called me 5 times today regarding collecting payment on a credit card that I have already communicated with them about - it 's maybe a month behind, and I let them know via messaging on their website that I was going through financial hardship. Comenity does n't care about this ( why would they? ). I added my number to the Do Not Call Registry - they still called. Besides the incessant calling, they called from an Unknown number, and the customer service rep, " XXXX, '' refused to immediately identify himself. He then got extremely sarcastic and condescending with me when I told him that Comenity was harassing me by contacting me multiple times per day when I added my number to the Do Not Call List, and told him to have Comenity stop calling, otherwise I 'd be reporting him, to which he replied, " OH YOU GO AHEAD AND DO THAT. '' Comenity has also called my father multiple times to try and reach me, which is a violation of the FDCPA. I have contacted an attorney.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/16/2016 about Debt collection (Medical) with Rash Curtis and Associates (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Was not aware of debt owed opened XXXX2016 from original debtor : XXXX XXXX XXXX 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 03/20/2015 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (FL).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I have advised creditor of a chapter XXXX bankruptcy over a year ago and to please cease contact they still continue to call and threaten legal action is being pursued

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2017 about Credit reporting () with Experian Information Solutions Inc. (NE).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Credit report not made available online, after completely filling in information online site. Site says my report not available and takes me to mail application ( which requires time and money for stamp, envelope, and mailing - NOT FREE. Must mail an application and wait 15 days - I need report now to monitor credit, not weeks later!!! No explanation why online report not made available. 
Secondly, security id questions are vague and difficult to answer. For example : 1 ) Street you have lived on in past : Offers street name for residential property I own, but not necessarily where I have lived. 2 ) Asks for mortgage closed lender from over 3years ago : I have more than one and its been over three years ago. Must I find my records to answer? 3 ) Asked for closing lender on a vehicle from 2008 over 8 years ago. These are questions I could answer IF I had my credit report, a chicken and egg process going on here!! 
Disappointed-formerly this was a couple of minutes process to get credit report and view online.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/28/2017 about Debt collection (Credit card debt) with STERLING JEWELERS, INC. (SC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid my  Kay Jewlelers acco unt on  XXXX / XXXX /   15  as " settled in full '' for the amount of {$250.00} through  XXXX   XXXX ,  XXXX . It is reporting on my credit report as paid in full. However, for the last  3 wee ks I have been receiving calls from  XXXX   XXXX   XXXX . They call and when I answer they hang up. I 've had to call back just so I know who is calling me. Once I reached someone I was informed that my Kay Jewelers debt was being sold for the collection of the remaining {$160.00}. If this account is paid/settled in full, why am I being harassed by collection agency that are reselling a paid debt?

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-02-2017 about Debt collection (Medical debt) with PROFESSIONAL COLLECTION SERVICE, INC (AZ).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: My complaint is against  Professional Collection  Services. They are trying to collect  XXXX  debts in the amounts of {$330.00} and {$1000.00}. I have searched my personal files and have found nothing that would indicate I owe this debt. I have requested they send me proof of the debt but to date they have ignored my request and keep sending letters stating I do owe the debt. i have received no proof that I have requested. How can a third part try to collect on debts when they have no idea if it 's a real debt or not? They can insist a person owes the debt but can offer up no solid proof of the debt. This is not acceptable. They ca n't just expect a person to pay a lot of money without proof of the debt..

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I demand these account must be verified or removed immediately  XXXX   XXXX  Account #  XXXX   XXXX   XXXX   XXXX  Account #  XXXX   XXXX   XXXX   XXXX  Account #  XXXX     XXXX   XXXX   XXXX   Account #  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I have an interest only loan that will begin to include principal in XXXX. I have applied with the bank servicer XXXX to modify my loan, and have been denied many times. Last time they denied me was because " the owner of my loan requires me to be delinquent before they can look into it ''. So I have asked XXXX, several times over the past year, and finally they have answered that Deutsche Bank National owns the loan. I contacted DBN and they then told me that they are not the owner, that they simply act as trustee and can not make decisions about the loan. I 've asked them then who makes those decisions, and I have not heard back. I do not know what I am supposed to do to keep my house. All other governmental sources have also denied me and the banks XXXX nor DBN are willing to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I have called several times to  XXXX ,  XXXX , and Equifax and asked them to remove the hard inquires off of my credit report. I did not submit those inquiries. I have called the companies that they said to and they have absolutely no record of me doing it which means they have nothing to send to the credit bureaus to take them off.  XXXX ,  XXXX , and Equifax all refuse to take them off.     I am thoroughly frustrated with this! I want them to be taken OFF. All  XXXX  agencies have been completely uncooperative with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Experian Information Solutions Inc. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: my identity was stolen, i filed a police report, and noted this to all XXXX credit bureaus.Experian is refusing to honor the police report, and has refused to adjust my credit file, and remove negative information, not associated with me. i can document police report, and my notarized affidavit to them. they are the only bureau who has not removed this information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-06-2017 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: XXXX, XXXX dba XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, MA XXXX, Telephone XXXX, is acting as a Consumer Credit Reporting Agency and refused to follow the FCRA. My recent application for an apartment rental was denied based on inaccurate data contained and reported by XXXX, XXXX. In addition, this company has refused to provide a copy of the consumer credit report used to based their decision, refused to allow me to dispute any inaccuracies or information contained in the report. 
XXXX, XXXX is reporting a non-existing collection item and telling their client the information is on my Experian Credit report and coming from a Experian product that screens tenant selection. According to Experian no such item is currently showing my credit report. I have ask Experian and XXXX XXXX to provide a copy of this report and to date both companies have refused to supply a report or disclose the source of the inaccurate information. Experian also is refusing to explain why the consumer credit report is showing no such information, but other products sold or credit reporting companies acting on behalf of Experian is reporting inaccurate information.

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 03/21/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: My name XXXX . XXXX XXXX. I had a tax lien on my credit. The attached documents show that the debt is settled and I have a XXXX balance. 
I contacted the XXXX major Credit bureaus, Equifax , XXXX, XXXX with the attached documents but they validated the accounts as being unpaid. 
I also contacted the California Franchise tax board the asking them to contact the bureaus letting know my account was current. I was told that, that is NOT a procedure they do. They also informed me because privacy act laws they do not correspond with any third parties. My question is how could the XXXX bureaus legally, and thoroughly validate the account, if they have not spoken to anyone?

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Student loan (Private student loan) with Navient Solutions, LLC. (MI).
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint: In XXXX XXXX, I incidentally signed a student loan with XXXX XXXX, which later became Navient, for continuing my adult bachelor studies. In XXXX XXXX, while still active with school, Navient started billing me for loan repayments. I 'd updated them on my schooling status, but they insisted there was no record that I was a student, so inevitably they contacted the school for verification, and from thereon there was no further communication. 
In XXXX XXXX, Navient started billing me again, and I updated them that I was still in school, and they told me I was required to send them a forbearance request for postponing my payments for a couple months. I told them that school did n't end until XXXX XXXX, and they insisted they were in the right to bill me for loan repayment, and gave me the runaround about filing yet another forbearance request. I refused and did not return their calls afterward, considering their behavior harassment. 

Navient contacted me yet again, in XXXX XXXX, about repaying my loan, even though I was still in school, and I told them I would file harassment for fraud, if they did not stop. There was no further word from them until XXXX XXXX, when they hastened me to start repaying my student loan. I was incidentally unemployment at the time, so I tried filing an unemployment deferment, and they told me I did not 'qualify ' as supposedly I 'd exhausted such benefits, from back in XXXX. Well, I contacted the Federal Dept and the Federal Loans about the matter, and they told me there was no such thing as 'exhausting unemployment ' benefits for deferment. 

So basically Navient lied to me, and I insisted once again that I wished to file an unemployment deferment, and they refused, once again insisting about the exhaustion excuse. Then they proceeded with the runaround about me submitting deferments and forbearance, to see which one I " might qualify for ''. Well I wasted my time doing that, just to keep them at bay. Their website is disorganized, half the links did not work, or rerouted me to other irrelevant areas, and basically was determined nonfunctional. I did manage to upload one short term deferment and a regular forbearance request, and weeks later Navient claimed they could find no record of these uploads, when I had the receipt copies and the emails to prove they 'd been received. 

This matter went on for some time, between XXXX XXXX and XXXX XXXX. Navient continued to call and harass me that I was going " default '' on my loan repayment when I was not. And again, they wasted more of my time, running me around with resubmitting forbearance and deferment requests. To this day I have not made a loan payment because of their deceptions and harassment practices.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2016 about Credit card () with JPMORGAN CHASE & CO. (PA).
Issue: Unsolicited issuance of credit card

Complaint: A Chase/XXXX credit card was opened without our consent. All materials including one card were mailed to our home. We called Chase to alert them and instead of being concerned about this mysterious opening they asked several times if we were sure we did not want this account. They said XXXX opened it. Chase did say they closed this new card account and said they 'd send us material on identity theft in the mail. Very suspicious.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I wrote to XXXX XXXX concerning two accounts which are showing chargeoffs and collection activity. I wrote to the company on XX/XX/XXXX and again on XX/XX/XXXX to request documentation to support the reported information or deletion of this inaccurate information. They never responded and have stonewalled me. They have a responsiblity to prove the reporting or repair or delete 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 07/13/2017 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (VA).
Issue: Struggling to pay mortgage

Complaint: I HAVE APPLIED FOR A SHORT SALE OF A PROPERTY IN  XXXX , NC AND WAS PREVIOUSLY TOLD IT WAS APPROVED. WE OBTAINED A CONTRACT FROM A  PERSPECTIVE BUYER  SEVERAL MONTHS AGO, BUT  XXXX  KEEPS ASKING THE SAME QUESTIONS OVER AND OVER AGAIN, ASKS ME  XXXX  SEND IN  ADDITIO0NAL  DOCUMENTATION, WHICH BY NOW ARE DOCUMENTS THEY ALREADY HAVE. THE PEOPLE WORKING MY FILE, EVEN THE UNDERWRITER APPARENTLY HAVE LITTLE EXPERIENCE OR KNNOWLEDGE OF THE MORTGAGE INDUSTRY AND CONSEQUENTLY THEY KEEP ASKING STUPID QUESTIONS THAT NO MORTGAGE PROFESSIONAL WOULD ASK. I SEE NO END IN SIGHT OF THEIR INCOMPETANCE TO RESOLVE THIS SIMPLE TRANSACTION AND FEEL THEY ARE FORCING MNE INTO FORECLOSURE WHEN I HAVE BEEN ATTEMPTING TO WORK IT OUT WITH THIS SHORT SALE FOR ABOUT 6 MONTHS NOW. WE ARE AT RISK OF LOOSING THE BUYER DUE TO THE INCOMPETANCE OF CHASE MORTGAGE

Company response to consumer: Closed with explanation