milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/31/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with PAYPAL HOLDINGS INC. (WI).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: A few months ago, I had fallen behind on my bill with PayPal Credit. Within the last few weeks, they contacted my father to try to reach me. From what I had been told by my father, the individual who had called told him that I owed a balance and the amount of said balance. I initially had issues with them calling my phone before XXXX when I was in XXXX over the XX/XX/XXXX, and now they disclose information to others without my consent? If I could afford a lawyer, I would gladly sue over this. Sadly, I am trying to go through college, and that has impacted my available resources for the time being.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2017 about Debt collection (Federal student loan) with Navient Solutions, LLC. (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XX/XX/XXXX, I had paid off a Federal Stafford loan made through XXXX XXXX. I lived " debt-free '' and without using any credit for the next few years. Upon moving to a new state and renting a new apartment, I recieved a credit report claiming that I still had {$140.00} outstanding debt against the loan. Surprised, I contacted XXXX XXXX who were n't willing to give me any information about the loan, debt, or payments. 

Later that month, Pioneer Credit Recovery contacted my family ( NOT ME! ) concerning the " outstanding debt ''. I contacted them, asking why no one had made any collection attempts in the last 4 years so we could address the issue. I have asked them for any information concerning the issue and they have n't yet shown any documentation of attempts to collect from XX/XX/XXXX-XX/XX/XXXX. 

Since I have paid the debt already, I am currently in the process of disputing the validity of the debt and complaining that the companies involved did n't make adequate attempts to contact me so that we could have resolved the issue at an earlier date.

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 09/15/2017 about Debt collection (Credit card debt) with CITIBANK, N.A. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I CONTACTED MACYS ON XX/XX/2017 AND XXXX XXXX 2017. I ALSO RECEIVED AN E-MAIL FROM XXXX XXXX. I MADE SEVERAL ATTEMPTS TO PAY OF THIS DEBT, BUT DUE TO STATUE OF LIMITATION THEY COULD NOT DO A SETTLEMENT OFFER. THEY DID NOT WANT TO ACCEPT PAYMENT.

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 08/28/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Because Equifax have again changed my address and are reporting information that is not mine on my credit report, the questions they ask online for authentication do not pertain to me because Equifax are again reporting wrong information about another person on my credit report. I have sent them the Authentication documents now XXXX times, yes that is twenty seven times and still they do not get it right. I have cost me {$4100.00} in phone calls and faxes and mail costs to try and get a correct credit report from these people. Today I spent over 4 hours on the phone with telling the same story over and over again to people who hardly speak English and have no idea about the US postal system. Eventually I had to start all over again for the XXXX time. I want to know when am I going to get my credit report so I can file a law suit and get the costs back for the erroneous credit reporting and continued damage done to my financial reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Under the FCRA, Credit Reporting Agencies ( Credit Bureaus ) must provide a copy of the verifiable original credit or documentation. 

Since they can not provide proof of verification to me in the form of a physical contract document, per my request, then the account is considered " unverified '' and under the FCRA all unverified accounts must be deleted. 

Section 609, Page 35. The bureaus are required to disclose to me exactly what documents are stored within their computer base that were used to verify the information that is being reported about me. 

Page 37 ( 2 ) ( E ) a statement that a consumer reporting agency is not required to remove accurate derogatory information from my file unless the information is outdated under section 605 OR CAN NOT BE VERIFIED. 

Basically, I have requested twice for the account to be " properly verified '' and as of today the only thing the reporting agency can say to me is that it has been verified electronically through EOSCAR system. That is in violation of Section 609 of the Fair Credit Reporting Act. 

This is my complaint and that is why I need your help to get XXXX Account # XXXX DELETED from my credit file. 

Enclosed please find papers relating to this complaint. 
Sincerely, XXXX XXXX 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 10/22/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: They keep stating that the information is what they received. I contacted XXXX and Equifax mortgage and they were supposed to remove these inquiries from EQUIFAX which are not authorizzed. I wrote previously : : : : : : : There are XXXX hard inquiries from XXXX dated XX/XX/XXXX and XX/XX/XXXX and neither are mine as I do not have an account nor have I ever used or applied XXXX service. I have reported to XXXX and EQUIFAX and they removed XXXX previous hard inquiries but these XXXX remain on my credit file. Also there are XXXX from EQUIFAX MORTGAGE dated XX/XX/XXXX and XX/XX/XXXX and I reported to them and they still have not removed although via phone they acknowledged they were not mine. I never requested any mortgage from EQUIFAX Mortgage, they say it is XXXX but I do not have a relationship nor have I requested mortgage through XXXX. I have reported to XXXX and still nothing resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ERC (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: This account with XXXX originated with a date from 2010. The original 2010 date should be aged off if nothing else. I filed and forwarded a fraud report from The FTC. The account was removed from all three CRA. It has since repopulated on my XXXX report via a collection agency and the new date shown. 
XXXX has been reporting my account with an incorrect birthdate and SSN. I have filed electronic disputes, with supporting documentation, that I have again attached.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CT).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax 's information security program failed to properly protect my NPPI as a result of a massive data breach. I checked their website, which confirmed that my data was likely exposed. Equifax attempted to offer account protection services, but demanded a waiver a future claims. The CFPB must ensure that Equifax properly protect consumer data and provide FREE monitoring services without demands for waiver of rights. The company is responsible to protect its customers.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: We started loan modification process with Bank of America in XXXX XXXX. Trial period was scheduled for XXXX months XXXX, XXXX, XXXX. After that if we paid as requested are loan would be modified. 
During trial period we received letters from Bank of America that we are late paying our loan, which made no sense to us because we paid everything on time. We contacted loan modification department XXXX times after receiving late notices but every time we were told to disregard these notices because all payments were made before due date Timely payments were actually requested in order to qualify for the loan modification by Bank of America. 
Loan modification was approved by BofA in XXXX XXXX. 
Couple months later we asked XXXX Bank to modify another equity line of credit and were shocked when told that we have XXXX late payments on our loan with BofA. Our credit scores dropped around XXXX points. 
When I reached to BofA they advised me to file a complaint with credit bureau and their banker told that she had this same problem with her loan medication. 
I filled a complaint with XXXX and received their response XXXX XXXX. They said they contacted BofA, supplied them all relevant information and documents I sent with my dispute and instructed them to : review all information, verify the accuracy, provide response and update records and systems as necessary. 
After response from XXXX XXXX called BofA twice. First time in XXXX was told that they will investigate my dispute and notify me. Second time on XXXX XXXX, XXXX when after being on hold for XXXX min customer service representative told me that I have a wrong number ( number was from our statement ) and connected me with someone responsible for equity lines. This person told me that reporting was correct because we were making payments requested by the loan modification department which were different from original payments. She also told me that our loan modification processor should make us aware of that. From the bank point she said everything was done properly. 
From my point it 's a nonsense. Why we should be penalized so severely XXXX credit scores down XXXX points ) by BofA for modifying the loan? Why we were not notified before starting trial period by BofA that our credit will be so negatively impacted? We would be glad to continue paying original payments and modified payments to avoid ruining our credit and have problems applying for credit in the future. 
We still waiting to get a response in writing from BofA regarding our complaints.

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 08/27/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I have informed collector of my new mailing address but yet collector still send collection letter/notices to my old address which my sister live. Collector seems to use the mailing to old address for important documents/court order to which I did not received and fail to report and result in a default judgement. I have letter written to inform collector with settlement check which the cashed and acknowledgement of my new resident/mailing address.

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: Equifax is claiming US Dept of Education is reporting accurately. They informed me I needed to talk to the data furnisher directly. So I sent requests for information multiple times with no response from them. I then sent a letter to Equifax informing them the US Dept of Education failed to respond to my request for further information. It has now been over 6 months since my original contact with the data furnisher & over 30 days since I sent my letter to Equifax to remove the account. I would like this account removed from my report immediately. Both XXXX & XXXX have removed this account months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Asset Recovery Solutions, LLC (VA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Debt collector from Asset Recovery Solutions , LLC stated that his company represents a legal firm and that my debt was in pending litigation. I did state I 'm having financial difficulties. I am willing to establish a payment plan. However, he wanted me to pay NOW {$250.00} to secure the " payment '' agreement with a credit card. I told him I could n't do that. He suggested I borrow the money. The Debt collector stated that to get it out of litigation I would need to make a payment immediately that would put the debt back with him and not with the law firm. He told me I had a week and if I did n't make a payment before then it would go back to the lawyers.

Company response to consumer: Closed
Consumer complaint received 06-07-2017 about Debt collection (Other debt) with AFNI INC. (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Afini Inc, ha s place  XXXX  accounts on my   XXXX   and   XXXX   credit report. I have been a victim of identity theft and I submitted my police report to  XXXX , and the other credit agencies. I have never had an account with  XXXX   XXXX  or   XXXX   and I keep telling these companies that. I am a victim of identity theft and this account is NOT mines . Afini does not have any validation nor did I receive anything in the mail for either of these accounts. My rights have been violated and they need to remove these false accounts off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2016 about Mortgage (Other mortgage) with Finance of America Mortgage LLC (VA).
Issue: Settlement process and costs

Complaint: Per the attached agreement I was to get XXXX on branch production plus XXXX XXXXXXXX on my personal production or I would of just given all the loans away and done no personal so I did personal loans and they said since I signed this I dont get paid on personal but yet they changed by bonus structure a week later to include personal - they owe me about XXXX dollars - didnt pay me at all on a XXXX XXXX loan

Company response to consumer: Closed with monetary relief
Consumer complaint received 10-09-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Fay Servicing, LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I applied for HAMP with Fay Servicing , LLC XXXX. XXXX, XXXX, IL XXXX and was denied a loan modification. I appealed because I was told by my file manager ( I think his name was ( XXXX ) at Fay Servicing that I would be denied because the investor would probably require XXXX upfront for me to qualify. He insinuated there was no reason to send the required information because I would be denied anyway based on this fact. Therefore, on XXXX/XXXX/15, I sent an appeal letter to Fay servicing because I would later find out it was potentially illegal in California for the Servicing Company or investor to require an upfront fee for the HAMP program. I also appealed because I had a change in circumstances. I called Fay Servicing on XXXX/XXXX/15 because I never heard anything back from Fay Servicing regarding the appeal. This was when I was told that my account manager was no longer there and had been assigned a new account manager named " XXXX XXXX ''. " XXXX XXXX '' told me that Fay Servicing could not longer communicate with me about anything to do with my loan or appeal or loan modification unless I provided them the following information:1. A letterhead from the law firm representing me in a lawsuit with XXXX XXXX XXXX which has nothing to do with Fay Servicing. 
2. An attorney letterhead from the attorney representing me in a BK. 
3. Stated that the attorney representing me in a BK must sign the permission slip for them to talk to me about the HAMP loan modification for Fay Servicing to talk to me about my status on the loan modification appeal. 

Therefore - with the above being understood - I am submitting this complaint based on the following:1. Whatever BK that was filed in the past should have nothing to do with the loan modification process. This is especially considering that Fay Servicing has been communicating with me for several months during the loan modification process. This substantiates the fact that Fay Servicing potentially just made up this policy all the sudden to potentially harass me and violate my rights to appeal the loan mod process. 
2. Fay Servicing is guilty of dual tracking. That is because I had sales dates every single month during the loan mod process and even have XXXX this month during the appeal Fay Servicing absolutely refuses to talk to me about. 

Please help! 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2018 about Debt collection (Payday loan debt) with Cottonwood Financial Ltd. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX XXXX is reporting a charge off from the cash store on  my credit. First, its not my debt and i never had an account with the cash store.  Secondly, when i called they said it was opened in XXXX, so its past the statue of limitations for reporting. They are reporting it was opened in XXXX XXXX, They are breaking the law and i want it off my credit report immediately. They need to provide the original documentation which shows when it was opened as well as it not being mine.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Blackhawk Network Holdings Inc. (CA).
Issue: Unauthorized transactions or other transaction problem

Complaint: My complaint is against Blackhawk, which runs the reloadit.com site. Blackhawk blocked my access to my " Reloadit Safe, '' which had {$1000.00} in it when they locked me out of it in late 2015. I have contacted Blackhawk through their XXXX number at least 6 different times, and each time they claim I will have my money within 3-5 business days and provide a " case number '' that begins XXXX with 7 digits after. Last 2 I have ( beginning with today 's ) are XXXX and XXXX. 

My account number for the reloadit.com site is same as my email. XXXX I need my {$1000.00} back immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
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 have had a recurrent issue with getting a resolution regarding the inquiries on my credit report with the Experian credit bureau. I have sent a notarized letter and have spoke with representatives on several occasions. There are hard inquiries on my credit report that I did not authorize and not aware of the company at all. The credit bureau has failed to properly investigate this issue and has sent me a generic letter stating that the inquiries are accurate but they have failed to send me proof of the accuracy. The inquiries that have been disputed and not resolved are the following :  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX   XXXX ,  XXXX , and   XXXX     XXXX . I appreciate CFPB looking into this matter further.     Best Regards,  XXXX   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 11-03-2017 about Debt collection (Other debt) with PORTFOLIO RECOVERY ASSOCIATES INC (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I contacted portfolio recovery associates llc to have them validate an unknown credit collection account ( XXXX XXXX XXXX XXXX ) that I saw on my credit report. Upon asking them to validate the debt and send a signed copy of the contract with my signature on it they instead sent me a bill and documents related to the collection account but no signed contract from the original creditor

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Received phone calls collecting on a debt. I notified Portfolio Recovery that the debt was past California Statue of Limitations and that the negative comment on my credit report with XXXX must be removed. 

Accounts : 1. ending in numbers XXXX amount {$1600.00} 2. ending in numbers XXXX amount {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2016 about Credit card () with Synovus Bank (PA).
Issue: Customer service / Customer relations

Complaint: On Saturday the XXXX of XXXX, I applied for a secured credit Card from First Progress Bank in Georgia, and sent them XXXX deposit. Later, I found out, that this company had numerous complaints against them, and asked my bank, XXXX to start the process to get my money back. I tried to call or e-mail XXXX, but can not get through to them. I want my deposit back, I do NOT want to do business with XXXX. It 's a hardship on me at this time, as I have no money for XXXX presents. Please help me!! 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Just Pulled All of My Credit reports and they show a higher balance on  XXXX  and  XXXX  card I 'm on with my wife, impacting my score to a lower one. Since  XXXX   XXXX  I have Paid {$100.00} on the  XXXX  account that was previously {$510.00} high balance ( Now {$410.00} ) and my  XXXX   XXXX  which is reporting {$4700.00}, But should be {$3400.00} as I made {$1300.00} in total payments since  XXXX   XXXX , I have also made a {$67.00} payment to   XXXX   XXXX  . My  XXXX   XXXX  was also updated during this same time period.

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