milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/21/2016 about Debt collection (I do not know) with National Arbitration Forum (CT).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: Hello:
I have gotten calls from tel.XXXX or sometimes is an unknown number.
First call XX/XX/2016 a Investigator. XXXX call                        XXXX- have a court summons to deliver friday XX/XX/XXXX with an officer he ask for me to secure my weapons and animal for his safety etc I still have the message recorder threatened me and after my call this person called my son and my sister harrasing as well.
Thurday XX/XX/XXXX another call but now this person is calling himself office XXXX about check fraud which is untrue this person call my son and my eldery parents harrasing them as well.       
I dont know who they are or what they want please help put a stop to these harrasing phone calls. I have saved all the messages in my phone.

Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2016 about Bank account or service (Checking account) with U.S. BANCORP (CA).
Issue: Problems caused by my funds being low

Complaint: I filed for a dispute and I did it XXXX XXXX on XXXX XXXX they took the money back without my knowledge when I called they told me that they would put the money back into my account because they took it out without my knowledge even though it was visual credit and my account is still in negative I 've had XXXX people in fraud department told me that I can get my money back and that my account will be in a positive balance again because they took money out of my account without my knowledge then when I called back because it is still negative they act like they do n't know what I 'm talking about and my account is still negative I feel that I 'm getting treated unfairly when I speak to a supervisor of the fraud department he had attitude I do not know his name like he did n't want to be bothered I have been at many banks I have never had a problem with filing for dispute this was the worst.

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 09-11-2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: Portfolio Recovery Associates is a sinister company they have double damaged my credit with XXXX different companys harrasssinmg me non stop EVERY XXXX DAY FOR 10 YEARS! my XXXX can you do something about this im going crazy im desperate for you guys to delete them out of my life forever please i beg you. this guy in 2009 threaten my life on the fone he wont let me hang up and i was driving on the freeway and thats illegal here. please im scared of them. they have XXXX type of coworkers im scared for my life. thank you XXXX please save me thanmk you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am requesting that the following accounts and inquiries be removed from my credit report immediately. These accounts do not belong to me and I did not authorize the follow inquires/creditors to obtain a copy of my credit report. 

XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX Last reported : XX/XX/XXXX {$7600.00} Good XXXX Last reported : XX/XX/XXXX {$990.00} Good XXXXNeeds Attention Last reported : XX/XX/XXXX {$780.00} 30-59 Days Late XXXX/XXXXNeeds Attention Last reported : XX/XX/XXXX {$670.00} 30-59 Days Late XXXX/XXXX XXXXNeeds Attention Last reported : XX/XX/XXXX {$560.00} 30-59 Days Late XXXX/XXXXNeeds Attention Last reported : XX/XX/XXXX {$540.00} 30-59 Days Late XXXX XXXX/XXXXNeeds Attention Last reported : XX/XX/XXXX {$450.00} 30-59 Days Late XXXX/XXXX XXXX Last reported : XX/XX/XXXX {$280.00} Good XXXX/XXXX Last reported : XX/XX/XXXX {$240.00} Good XXXX/XXXX Last reported : XX/XX/XXXX Other Loans : OTHER LOANS XXXX XXXX XXXX/XXXX Last reported : XX/XX/XXXX {$8400.00} Good XXXX XXXX XXXX/XXXX Last reported : XX/XX/XXXX {$7200.00} Good XXXX XXXX XXXX/XXXX Last reported : XX/XX/XXXX {$6000.00} Good XXXX XXXX XXXX/XXXX Last reported : XX/XX/XXXX {$5300.00} Good XXXX XXXX XXXX/XXXX Last reported : XX/XX/XXXX {$4500.00} Good XXXX XXXX XXXX/XXXX Last reported : XX/XX/XXXX {$4300.00} Good XXXX XXXX XXXX/XXXX Last reported : XX/XX/XXXX {$3100.00} Good XXXX XXXX XXXX/XXXX Last reported : XX/XX/XXXX {$3000.00} Good XXXX XXXX XXXX/XXXX Last reported : XX/XX/XXXX {$2200.00} Good XXXX XXXX/XXXX Last reported : XX/XX/XXXX XXXX XXXX View All Accounts Previous Next Details Account # XXXX Original Creditor - Company Sold - Account Type Lease Date Opened XX/XX/XXXX Account Status Open Payment Status Past due 60 days Status Updated XX/XX/XXXX Usage - Balance {$5200.00} Balance Updated XX/XX/XXXX Original Balance {$5300.00} Monthly Payment {$160.00} Past Due Amount {$520.00} Highest Balance - Terms 32 Months Responsibility Individual {$2000.00} Good XXXX XXXX XXXX/XXXX Last reported : XX/XX/XXXX {$2000.00} Good XXXX XXXX XXXX/XXXX Last reported : XX/XX/XXXX Closed Account : XXXX XXXX {$140.00} Credit inquires : XXXX/XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX/XXXX Inquiry from XX/XX/XXXX Personal Loans Cos. 
XXXX XXXX XXXX XXXX Inquiry from 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 11/27/2017 about Checking or savings account (Checking account) with PNC Bank N.A. (NJ).
Issue: Closing an account
Sub-issue: Can't close your account

Complaint: I have tried in multiple occasions to close my account with PNC Bank. More than a year later I still receive statements, which means my account is open. 

I have called PNC and requested again and again to close my account

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2015 about Debt collection (Credit card) with CITIBANK, N.A. (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Ive been getting calls and they do n't leave a message. I 've had a comminication issue witg this company im the past

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Penn Credit Corporation (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I receive calls from a company called Penn Credit XXXX XXXX ALL week, 7 days a week ... from XXXX at night to XXXX on a Sunday morning. They claim I owe {$41.00} to XXXX XXXX House. This is NOT my debt. I called them and asked them to remove me from their call list yet they continue to call and harass me. The name of their company is PennCredit and phone # 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 04/14/2018 about Debt collection (I do not know) with Convergent Resources, Inc. (NY).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: I checked my personal credit report, which I acquired from your organization on XX/XX/2018 and I noticed an collection from XXXX XXXX had been put on my credit report with a pass due amount {$1300.00}. i reached out to the XXXX XXXX via certified mail about debt owed and got no response.

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 05-07-2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: None of the XXXX companies would allow me to obtain my free credit report online through XXXX. XXXX and XXXX said 'unable to provide ', and Equifax flat out refused, claiming it is more secure for me to mail copies of my identifying information. Copies which could be used by a criminal to steal my identity.

Company response to consumer: Closed
Consumer complaint received 11/29/2017 about Debt collection (Other debt) with I.C. System, Inc. (AL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Date opened XX/XX/2016 1st account-I.C. System Inc, XXXX XXXX XXXX Amount XXXX Date opened XX/XX/2016 2nd account-I.C. System Inc, XXXX XXXX XXXX Amount XXXX I called this company to advise them that this is not my debt the lady in the phone was rude and advised me that it is my debt and if not paid will be reported on my credit report. I have since then disputed the accounts twice and asked that information be provided showing this is my debt no information was provided and the debt is still being reported. I can not get approved for a home or car because my credit is showing I owe this debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: To whom it may concern, I am having problems with Equifax. There is a lot of information on my credit file with Equifax that is not mine. I am a victim of identity theft therefore I have a lot of fradulent accounts and information that is not up to date. I have XXXX fraudalent tax liens from the state of alabama iternal revinue service. They are XXXX State income tax accounts that are fradulant and are not mine. I have disputed this accounts with the proper documention from the state of alabama that I have sent to equifax and equifax do not want to remove those XXXX negative accounts which are public records. I have attached the documents which i believe can make those XXXX negative fradulent accounts be deleted from the equifax credit file. I have contacted XXXX agencies and they tell me that they have done everything they can. Equifax wants specifics and The state of alabama does not want to rewrite any letter to me or equifax which equifax wants numbers and for the letter to say that those accounts need to be removed from my file. The state of alabama put out that public information and now those XXXX fradulent tax liens have been terminated, canceled, and released the tax liens previousliy filed against me. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (IL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have continuously received several phone calls from Portofilo Recovery in regards to my XXXX XXXX credit cards. I have been unemployed since XXXX 2014. I receive no income. No employment. I currently reside with someone. I have made several efforts in retrieving employment by going on interviews and applying for jobs daily. XXXX XXXX can vouch for me when I say before my unemployment I was paying my credit card faithfully. Each time this agency contacts me I have to tell them each time nothing has yet to change with my income. I am then being asked can I borrow them money, am I married so that my spouse can help me pay out the money. Do I own or rent. I HAVE NO INCOME! While it is not my intentions to allow my debt to go unpaid at this current time I am unable to pay it. Once I am established it is my goal and duty to pay off my debts. It 's becoming a bit to much to receive calls as frequent as I do. Limit the calls some to at least once a month.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-06-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (KS).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Sallie Mae and now XXXX was my prior servicer. I have been working at a non-profit, as I 'm working towards Public Service Loan Forgiveness. After discussing this goal with Sallie Mae on multiple lengthy phone calls, and switching to the correct income based repayment plan as instructed, I began making what I thought were qualifying payments. I even called a second time to confirm, as was told I was doing all the necessary steps. It was n't until just last year, when a very helpful customer service rep thru XXXX, made comment that most of my loans were not qualified loans, after paying on the loans for 2 years. After a relatively easy application to consolidate into a " XXXX '', which the very nice customer service representative at XXXX XXXX did for me, I am now on track for loan forgiveness, but {$150000.00} of my loans are now 2 years behind in payment. This is VERY financially damaging for me, as my monthly loan payment does n't even cover the current interest accruing.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Equifax refuses to allow me to challenge child support, which is clearly incorrect. THis item is already deleted from my XXXX report! I have had this problem for quite sometime, my constitutional rights are being tossed aside, please help me! Have a blessed day!

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Account opening, closing, or management

Complaint: A court order of citation to discover assets was issued on my accounts at Bank of America. My account was frozen subsequently and I had to go to court to defend myself. I went to court on XX/XX/2015 and the court ruled in favor of me and ordered that bank of America return any and all monies or other property withheld. And the court also ordered that the citation to discover assets be dismissed. I gave a copy of the court order to Bank of America and they have still not released my account. My account is still frozen and ca n't use it and I am still being charged monthly maintenance fees. I have on numerous occasions communicated my fustrations to bank of America but has still not received any fruitful outcome. I would like for your organization to look into this matter. Thank you.

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 12/22/2016 about Debt collection (Medical) with Senex Services Corp. (IN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have no knowledge of said debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NH).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: 2 years ago we placed a freeze on our credit with the three agencies ( Transunion, XXXX XXXX XXXX ).  Since then we have lifted the freeze for a short window with XXXX XXXX XXXX. Yesterday we were asked by our bank to lift the freeze with Transunion. We called and spoke to Transunion and they said the freeze was lifted until the following Friday at XXXX. The charged our credit card their required fee. 

The bank still could not get a report. Transunion kept asking them for OUR pin number. We called Transunion again and they said we would have to pay again to have it lifted. Not wanting to jeopardize the load we again paid and have credit card receipts showing the 2 payments. The bank was still unsuccessful in getting a credit report even using our pin numbers. 

These are the people that we entrust with our most personnel information and they demonstrate incompetence. It will be too late for us, but please stop this from happening to anyone else.

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 08/19/2015 about Debt collection (I do not know) with U.S. Collections West, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I noticed a collection on my credit report I did not recall or remember. I sent them XXXX letters and they just simply sent me a response stating I owe them the debt. Tried calling and the number was disconnected. Tried disputing with the credit bureaus and having little luck there.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have so many issues with this response, that I do n't know where to begin! 
# 1 I provided PHYSICAL PROOF that the public records are not reporting accurately and must be removed. How are they going to tell me that it 's " accurate '' to report information that does n't exist and that is invalid? How is it " accurate '' to report a balance when it should state that it has been paid? 
XXXX CT XXXX the date XXXX/XXXX/2011 is not the date this was filed and I need to see the petition where you obtained this information " XXXX CT '' is not the name of a court and you must list this as a bankruptcy court with the city and state The docket # XXXX is invalid and does not belong to this bankruptcy - please send me petition You have no plaintiff listed No liability amount listed Once again, I 'm asking HOW THIS IS EVEN LEGAL? 
# 2 TransUnion 's response to my letters ( received in the mail ), clearly states that the burden of proof is on ME and NOT them! This is not true. XXXX states in XXXX XXXX TRANSUNION that the burden of proof is on them and they can not tell me that I have to go directly to the creditor to obtain information. That 's THEIR job. They get paid to report information that is ACCURATE AND COMPLETE. When I notify them that this is not so, they must conduct an investigation into what I 'm stating is inaccurate or unverified. When I tell them once again that they are incorrect, they must ensure that the information they receive from the creditor is in fact accurate! Telling me that they verified the bankruptcy is NOT legal verification. XXXX states that the ONLY legal form of verification is FIRSTHAND KNOWLEDGE. They MUST physically possess the documentation that substantiates the reporting of these accounts PRIOR to even reporting them to ensure what they are listing is accurate! 
# 3 The CRA 's are paid to report information and have no incentive to remove any of the items. It is, however, their job to ascertain that what they are reporting is correct. This is why I have sent them the proof that what they are actually have on my public records section is NOT correct and they have failed to remove or correct it after 2 months and XXXX rounds of letters. I 'm looking at the actual paperwork ( petition ) from the court that verifies that they are reporting information that is invalid. This is also why I have provided this documentation to you.

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 11/17/2016 about Debt collection (Credit card) with AMERICAN EXPRESS COMPANY (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Continues to call my work. I 've been told by XXXX different representatives that they have removed my work number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/15/2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (NY).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: For 11 months now, I have been trying to get Comenity Bank to remove a payment block on my bank account so that I can make online payments for three of my Comenity credit cards ( XXXX XXXX, XXXX XXXX and XXXX ). On XXXX XXXX, 2016, my online payment for my XXXX XXXX credit card was returned because of a state tax lien. It was listed as a No Fault returned payment and no fee was charged. The tax lien was resolved, and my bank account was quickly restored and is in good standing. However, Comenity Bank continues to have a block on my bank account, so that I am unable to make payments online for my XXXX XXXX, XXXX XXXX and my XXXX credit cards with Comenity, even though online payments were not returned for the XXXX XXXX or the XXXX account. I have tried to resolve the problem with Comenity for almost a year now, and have followed their customer service reps and supervisors ' advice to pay by check from the same bank account ( which was supposed to resolve the problem once their system cleared the check from the bank account ), to removing my online profile and re-entering it, to calling the Federal Reserve ( the most idiotic suggestion yet, but I did it ). It would n't be such a problem if it were n't for the fact that paying by check makes it difficult to gauge the timing of when the payment will hit my bank account, and Comenity charges a {$9.00} fee to pay by phone. For the past several months, I have been able to get the {$9.00} fee waived in making payments. However, I have had some late payment fees that I would not have incurred had I been able to pay using my bank account online. Moreover, Comenity has accepted my monthly payments by phone, using the debit card associated with the same bank account that is blocked online. There should not be a block on a valid bank account that Comenity continues to accept payments from by check and by debit card. The block on my bank account is punitive ( I have n't had this problem with other creditors that were affected by the tax lien ) ; I also believe it is an attempt by the credit card company to exact extra fees and a failure on their part to address flaws in their credit card payment system.

Company response to consumer: Closed with monetary relief