milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/28/2016 about Debt collection (I do not know) with Receivables Performance Management, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I continue to receive unsolicited/unwelcomed threatening phone calls from a company only known as R.P.M. collection agency ( phone # ( XXXX ) XXXX ) who refuse to share any information with me as to the nature of their business or who it is they are representing, instead I 'm asked personal questions or they simply hang up the phone, I have been extremely patient in this matter but I have reached my level of tolerance with these unwanted disturbances

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 01/24/2016 about Credit reporting () with CORELOGIC INC (MI).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I recently applied for an apartment in XXXX XXXX Michigan and the apartment complex uses a credit reporting agency saferent or core logic. I disputed this information, sent them supporting documents of this information being incorrect, and I even sent them information from XXXX stating the errors in my credit report and they continued to ignore my pleas.

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 08/14/2015 about Debt collection (Medical) with Collection Consultants of California (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have repeatedly tried contacting and disputing XXXX collection which were placed against me which are not valid. Items # XXXX and # XXXX need to be deleted from my credit reports. On XXXX/XXXX/15 I sent a complaint and a dispute to Collection Consultants of California regarding XXXX previously invalid collections placed against me. They continued to leave machine recorded messages and text messages on my cellular phone regarding this debt that i supposedly owe them and I have had enough of their unlawful tactics. I have not even received the required partial response within 15 days after my initial CFPB complaint adjacent them. These items, which I have disputed since XX/XX/XXXX with them and the bureaus are still reporting on my credit files and that is not legal. They are ignoring my disputes and have not sent or validated the debts nor have they responded to my requests to stop communicating with me. I have waited for any verifications through the credit reporting bureaus and have received nothing. I have no idea why these XXXX accounts are on my credit report as these bills were paid in full through a lawsuit/ judgment against a limosouine company years ago. I have no part in this debt nor is this debt, which they continue to ignore and blindly verify, legal. They use abusive and frequent tactics to harass me and that is senseless, as I do not owe these XXXX debts. They have failed to verify or process my dispute # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 about Debt collection (Other debt) with Stellar Recovery, Inc. (NE).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: This company is trying to collect a debt that was the result of identity theft and or unauthorized use. I have never authorized XXXX XXXX to bill me for any services or products. I have attempted to talk to the company directly, however ; no one in the customer service department was willing to help me. I have already filed a report with the FTC and have provided it to the credit reporting companies. I have included a copy of my Identity Theft Report filed with the FTC and have forwarded the complaint number to the local authorities.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XXXX XXXX, 2016 I submitted a letter to Midland Credit Management Inc, requesting a copy of contract that I have made with the company regarding a debt the company claims I owe them. In response I received a copy of a XXXX statement that states the account was charged off. Midland refuses to XXXX out my amount due owed, stating the debt is valid. I spoke with a representative from Midland, XXXX, who states that her company will not dismiss the fraudulent debt and that I still have a balance owed.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2015 about Credit card () with JPMORGAN CHASE & CO. (NY).
Issue: Other

Complaint: I have a Chase business credit card # XXXX with a {$4000.00} credit limit. I have had this card since XX/XX/XXXX. I pulled my credit reports on XX/XX/XXXX and found that the card was n't listed at all on any of the XXXX credit reports. I sent certified letters to all three saying they needed to add the card to my report. Today, XXXX said it is the responsibility of the credit card company to report the card to the XXXX companies. 

So I called Chase and they claimed it is their policy not to report any business cards to the XXXX companies unless the person falls XXXX days delinquent on the card. I explained that it is my card for my business, a sole proprietorship. I said there is a payment history there I want on my report because it is perfect and I am trying to build better credit for myself. They refused to add the card to my credit report. 

I explained that I have another business credit card from XXXX XXXX # XXXX and it appears on my credit report. Chase did n't care. They refused to do what I asked. 
That Chase bank is picking and choosing which cards they would like to report is unfair and is affecting my credit score. It seems like it may even be illegal. That Chase will report the card when your credit is bad ( XXXX days delinquent ) but NOT report the card when I have excellent credit is also unfair. I 'm not sure what to do. Are they breaking federal law? They certainly are not serving the customer with this policy. If I had that additional credit of {$4000.00} on my report, my ratio of debt to credit would go down and I believe my credit score would go up. Can you help me with this matter? 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Debt collection (Credit card debt) with Alliance Data Card Services (VA).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: On XX/XX/2018, I received a call from a number I didnt know and I dont answer calls from unknown numbers. I then received a long voicemail that is almost 3 minutes long, completely inappropriate by starting the voicemail out by saying let me tell you doesnt state who he is or where he is calling from until the very end and is raising his voice and harassing me stating if I dont have an attorney, I strongly suggest you get one I have never received such a disturbing call ever! I have saved the voicemail and have his name which is XXXX  from XXXX XXXX for XXXX XXXX XXXX XXXX  ( the clothing store ) I have his phone number and ext that he left. I am very upset and have high anxiety and this made it worse. Very unprofessional and inappropriately handled!

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2016 about Student loan (Federal student loan servicing) with AES/PHEAA (OR).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: My monthly loan payment increased significantly, but I feel stuck at that payment level because I am trying to take advantage of the 10 year Public Service ( XXXX ) repayment plan. My interest rate is also stuck at a ridiculous rate of 6.8 %, and the amount I pay each month makes other bills difficult for me and my family. FedLoan arbitrarily decides for me that paying almost {$500.00} per month is doable. I am now going into more credit card debt because of these higher payments, and I was told that a {$450.00} rent increase would not factor into this payment increase whatsoever. This is unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: as a result of fraudulent actions i have 11 inquiries that i did not apply for when i asked the companies in question i was told to contact the credit agencies when i did so they told me to go back to the creditors at this point i need these fraudulent inquiries removed they are not connected to any accounts on my file. 
1..XXXX XX/XX/XXXX 2.XXXX  XXXX XXXX  XX/XX/XXXX 3.XXXX XXXX XXXX XX/XX/XXXX 4.XXXX XXXX XX/XX/XXXX 5.XXXX XXXX XX/XX/XXXX 6.XXXX XXXX XXXX XX/XX/XXXX 7XXXX XX/XX/XXXX 8.XXXX XXXX XXXX XX/XX/XXXX 9.XXXX XX/XX/XXXX 10.XXXX XX/XX/XXXX 11XXXX 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 05-11-2016 about Bank account or service (Other bank product/service) with Continental Finance Company, LLC (NC).
Issue: Account opening, closing, or management

Complaint: Continental Finance is refusing to give me vital account information. No where in its terms and conditions that are given to clients does it state that they will not give you your account information when requested. I need the account information for insurance purposes and all though I was verified the bank refused to give me my account information in any form. Either over the phone or via mail upon request.

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 09/23/2016 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I have an excessive amount of inquiries that I did n't authorize or apply for on my credit reports. Please assist and advise.

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 08/18/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (MN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: To my complete surprise, I was recently contacted concerning a charged off credit card debt, purportedly opened by myself of which I have absolutely no knowledge, by a debt buyer Midland Credit Management , Inc., XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA. When I adamantly advised the collection agent of the fact that I had no knowledge of this debt whatsoever, she began to imply, although she did not directly say it, that I either I was lying to her or that I had knowledge of some kind concerning this debt. She did so in a way that I considered to be judgmental and demeaning to my character. Additionally, throughout the entire conversation, she spoke to me in a menacing and condescending tone, berating me with a litany of veiled threats and scare tactics. I am personally no expert on the fair debt collection practices act ; I do however feel harassed and slandered. Furthermore, although your drop down menu only allows me XXXX option to summarize my complaint, I also feel that they are guilty of false or misleading written statements because on the bottom of their letter there is a disclaimer or advisory that says to begin with " This account may still be reported on your credit report as unpaid. '' It continues with, " We will not report your debt to the credit bureaus if you set up a payment plan, make a payment by XX/XX/2015 and make all payments as agreed. '' However, I know for a fact that as of XXXX XXXX, 2015, there were no charged off trades " still reported on my credit report as unpaid '' ; yet, as of XXXX XXXX, 2015, after having the letter from MCM Inc. on XXXX XXXX, 2015, a credit check revealed the charged off trade. This leaves me with no other conclusion than that MCM Inc. reported this to my bureau, and therefore, misrepresented themselves in their letter as described above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/24/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (NY).
Issue: Deposits and withdrawals

Complaint: fiance wrote a check from XXXX for XXXX which I deposited in my Citibank account on XXXX/XXXX/16. On Monday XXXX/XXXX/16 I traveled to New Jersey for work and much to my horror when I accessed my Citibank account I was told it was blocked and all funds of XXXX plus were blocked due to suspicious activity. I subsequently was told by fraud dept that there was an advisement on check not to pay. However this is a lie as I also had conversation with XXXX and funds were released on XXXX/XXXX/16. Citibank now states check is good but wanted me to wait until XXXX/XXXX/16 to release funds. When I asked for proof that XXXX ever stated that the check would not be paid the fraud person XXXX became extremely rude and told me the info was proprietary and I was not privy to it and I was also told too bad that I would have to wait until XXXX/XXXX/16 at least until having access to a check that that Citibank knew was good on XXXX/XXXX/16. Needless to say I am extremely frustrated, angry and humiliated by the Citibank 's handling of this matter. The need also to make good on all late fees and penalties that I have incurred.

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 07-06-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint: XX/XX/XXXX I was alerted by XXXX XXXX that I had XXXX inquiries added to my report. This dropped my credit score by XXXX points overnight. I had not applied to anything so not sure why XXXX inquiries were added to my report. I also have not been notified by Transunion in writing that these had been added back to my report per FRCA Section 611.

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 04/20/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I went down to the courthouse and spoke to the clerk personally. I verified with her and she agreed that the bankruptcy listed on my credit report was not mine. I asked how was that possible since you report this information to the bureaus. She stated that they do not report any information to the credit bureaus. So how is that Transunion was able to gain access to my inaccessible information?   According to the FCRA, the credit bureaus must verify personally with the creditor. The clerk of the court in this instance would be the creditor. I would love to know with whom you spoke to, their title and date you called. I think you should be able to provide this information forthwith as performing a verification is what you do. Since the information may have been obtained by other means and not directly with the court and as I am an intelligent man, I respectfully request that you remove the bankruptcy from my file.I believe that if I were to take this matter to my attorney that he would concur with me and suggest a lawsuit against your company we would win without a hitch.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2017 about Debt collection (Payday loan debt) with ZARVAD III S.A. (NV).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On XXXX XXXX, XXXX I received a email that XXXX XXXX was the collection Company that received the case from mypaydayloans.com. For a total of {$770.00}. I agreed for a settlement of {$510.00}. to be paid in four payments as follows ; XXXX/XXXX/XXXX {$75.00} XXXX {$140.00} XXXX {$140.00} XXXX {$140.00} For a total of {$510.00} After I received this email I was told by Agent XXXX XXXX that a processing fee of {$10.00} will be added for each payment. I explained that the Settlement Letter did not include any processing fees. I also told XXXX XXXX that I was suspicious that the Settlement agreement was not signed by anyone or himself. I told him I will not honor any document without a Company official member signature. After calling the office several times to speak with XXXX. He finally send me a email dated XXXX XXXX with the Company Lawyer Signature on one page and his name on the second page XXXX XXXX. On XXXX XXXX I sent an email indicating I only put {$75.00} payment as agreed for XXXX XXXX that same day about XXXX XXXX est XXXX called my brother and harass him about my {$85.00} payment that was declined from my account After being threaten by Company Lawyer XXXX XXXX and XXXX they accepted and made a withdrawal of {$75.00}.  I requested a copy of my new balance with should be {$430.00} that was not send to me via email. If I do not reveive my new balance of {$430.00}, I think this is a fraudulent transaction made by XXXX XXXX XXXX also requested that they contact me via US Postal Services , no more email correspondence. They both was rude and scandalous and scammers. And threatening me with a court prodeeding, I need this company to be investigated for using bully tactics and disrespecting their clients, and not being honest about the selltement agreements by adding so call processing fees after sending the selltement agreement, and stil not sending a new selltement agreement with the fees.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I submitted disputes to the 3 credit reporting agencies on XX/XX/XXXX to  have deleted from my files 3 tax liens and an dismissed bankruptcy in accordance with the National Consumer Assistance Plan that went into effect on XX/XX/XXXX of this year. As of today, XX/XX/XXXX, the only updates from the 3 bureaus are that they show dismissed, which is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: The account being reported is not accurate. I ask for proof proving the information being report is correct. The reporting agency failed to give me that information and so did the company reporting to the bureau of the accuracy for their claim. The company was sent a cease and deceit letter on XX/XX/XXXX to stop all and any collection and to not report anything to any credit bureau. I also call and confirmed that they did receive the letter and I was told it would cease. On XX/XX/XXXX this account showed up on my report with total incorrect information ( dates amounts ) all false. I contacted the collection company again and was told the credit bureau is report this without their consent. They are reporting dates and billing for days I did n't live at that property. I disputed this with the credit bureau and they continue to report the inaccuracy. I have ask that Transunion, XXXX and XXXX remove this from my report and they have fail to do so. I was sent a letter on XX/XX/XXXX by Transunion stating they will not reinvestigate the dispute and will not provide me with any information as to their findings.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2016 about Mortgage (Home equity loan or line of credit) with TD BANK US HOLDING COMPANY (FL).
Issue: Credit decision / Underwriting

Complaint: My loan matured in XXXX XXXX. I first contract TD Bank in XXXX of XXXX for an extension of my mortgage loan. In short, they have taken over a year and now refuse to renew my mortgage loan which I have paid perfectly for 10 years. In addition, they informed me that I would be approved for a deed-in-lieu of foreclosure but refused to waive the deficiency balance and/or present terms of repayment for this balance. The deficiency balance would be roughly $ XXXX. They are stating that the value of the property is $ XXXX. We originally acquired the property in XXXX for $ XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2016 about Credit card () with BARCLAYS BANK DELAWARE (FL).
Issue: Transaction issue

Complaint: I applied for a Canival Cruise Master Card to go on a Cruise. I Got apporoved but I never got my Credit card iin the mail. I had to go out of the country for XXXX. I has a friend paying my bills. She thought the debt was mine so see was paying the payment. When I came back I found out my debt on that card was up to over {$2000.00}. I should of only owed at little over {$600.00}. Never got a card all except the one is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2016 about Debt collection (Credit card) with Financial Business and Consumer Solutions. (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX is once again attempting to collect on the bogus final payment of {$160.00}. XXXX contacted XXXX XXXX XXXX., XX/XX/2016. The case no. was XXXX and case No., XXXX. 

After corresponding with both the cfpb and XXXX, I received notification from XXXX that " We ( XXXX ) consider this matter closed as of XXXX/XXXX/2016. '' Now this same bill for {$160.00} has been assigned to another debt collector FBCS at XXXX XXXX XXXX XXXX., XXXX XXXX, XXXX, PA XXXX. The FBCS Case No. is XXXX. 

XXXX failed in their notices to me and to XXXX to identify the billing period associated with this expense. The equipment was returned prior to the next billing cycle, and my XXXX connection was disconnected prior to the start of my next billing cycle. My final XXXX bill of {$11.00} was paid and check # XXXX because that is what I owed XXXX. This check was cashed as well. No explanation was given for the next charge of {$160.00}. 

How do I stop XXXX from the continued harassment and bogus debts they insist I owe? Please help me and stop XXXX from this type of attack on my credit. 

I now have to notify the FBCS within 30 days and explain again that this is a bogus billing for which XXXX has no valid explanation. Otherwise FBCS will deem " this debt to be valid. '' I do n't want to be dealing with this problem for the rest of my life and I will not be pressured and coerced into paying a bill I do not owe. 

Thank you for your help, XXXX XXXX XXXXXXXXXXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation