milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-09-2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (MO).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I have been harassed by the company for the last time, I have asked them to validate all info and debt and after 90days that 's still not happened. Due to the statue of limitations I am no longer responsible ... .They called my job 12 times last week and its gotten to the point I am at my wits end ... .I need them removed from my credit report, and never to be contacted again ... PLEASE HELP ME. 
I have asked them to validate my info and they neglect to do so, backdated from XXXX/XXXX/XXXX I am so discouraged and feel like I can almost quit my job with the harrasement, its a threatening feeling to be frank. 
here are my accounts that follow : portfolio recovery ( XXXX ) XXXX Contact Address to portfolio XXXX XXXX XXXX, XXXX XXXX, XXXX, VA XXXX Ownership Individual Account XXXX {$1700.00} XXXX {$470.00} XXXX {$440.00} XXXX {$460.00} XXXX {$910.00} not only do they have dates wrong on when I opened my accounts they are just out of control to be exact the account they say I opened in XXXX and XXXX it was XXXX they are even reporting wrong I have not opened up any new cards with them in the last few years

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Convergent Outsourcing sent me a letter saying that I owe to XXXX XXXX dollars. Thats not true. 
I already spoke with XXXX and they told me that I do not owe any money and they do NOT work with that agency. 
This means that Convergent Stole not only stole my SS number but is also claiming money in behalf of comcast when is not true. 
I saw on my XXXX report that Convergent had made XXXX inquires on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Specialized Loan Servicing LLC (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: We filed complaint XXXX with the CFPB regarding SPECIALIZED LOAN SERVICING LLC 's dishonest practices and onXX/XX/XXXX, SLS replied to CFPB ( and us ) acknowledging that despite their 10 months of harassment and claims to the contrary that our loan account was in fact PAID-IN-FULL- AS-AGREED, last XX/XX/XXXX ( just as we had stated ). In their XX/XX/XXXX letter SLS promised to correct the reporting to the credit agencies, but in fact SLS just ( on XX/XX/XXXX ) dishonestly reported to the credit agencies that we were over 120 late and there was a balance {$2000.00} which are both incorrect, see SLS 's letter datedXX/XX/XXXX acknowledging this.
In the years we have dealt with SLS they have NEVER done what they said they would do and SLS would not have written the attached letter acknowledging their errors, if we had not provided the CFPB with documentation proving our claims. CFPB is SLS 's regulator Agency, Please make them follow the law and correct ALL their errors and our credit. SLS should not be able to violate Dodd Frank and the Fair Reporting laws in this matter without dispensary action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: This is my final time filing a dispute against this agency. My patience is thin and I have had it. For some reason Experian allowed XXXX other SSN to be attached to my profile. How does that happen? They removed some of it but not all of it because I believe that some of the information is tied to my credit report and they will not remove it or certain addresses. I have amended my complaint in XXXX County to include them trying to make me responsible for someone elses debt, them adding addresses on there that do not belong to me, with their refusal to remove them, and their refusal to remove accounts that do not belong to me after disputing them continuously since XXXX of 2016. There has already been a court date set and I am prepared to go after the maximum amount that the law allows if this accounts and addresses are not removed off of my account immediately. Experian has shown that they can not be trusted when it comes to reporting accurate information. I have detailed every single person that I have spoken with, certified letters, and I am very serious with this moving onward.

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 09/22/2016 about Debt collection (Auto) with CJA Auto Sales, Inc. (AZ).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: CJA Auto Sales INC, came to my residence when I was not home. 
A respesentaive placed court document on my door without getting a signature from me. Now I have 20 days to answer this complaint. I have went to credit companies for help CJA stated that I have the vehicle in my possession. The vehicle was repossessed after missing one payment. The agency is suing me for a remaining balance owed after the repossessed vehicle was sold in an auction. I also feel the vehicle was not of that value. I feel this is an harrassment to collect money.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions 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: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX I saw this appear on my credit report. I mailed request for validation by mail ( with tracking number, it was delivered ). They never responded. After the time had past, I contacted XXXX, experian and XXXX, with a certified letter ( with tracking number, it was delivered ) explaining I had requested validation of the debt, as I had no idea what is was, and that the company had not responded. XXXX removed the item, but XXXX  and XXXX still have it on my report. They are in violation of the law. 

I want this removed off my credit report on all credit reporting agencies immediately and also a letter from XXXX XXXX XXXX saying I have no debt with them. If they ca n't show me a signature page, or and itemized statement, they have to remove this.

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 07/17/2016 about Bank account or service (Other bank product/service) with U.S. BANCORP (CA).
Issue: Using a debit or ATM card

Complaint: Since U.S. Bank submitted their side, of what is assumed, on their behalf, to be their reason of closure to my accounts. First issue I 'm addressing is why my ATM and Check Card Overdraft Coverage Confirmation was and still is being disregarded? Second issue is why my bank accounts were over drafted that high of an amount when I believe since I never had a linked credit card to my account to cover such an amount without causing U.S. Bank to alert me that my savings is insufficient to cover. Money will never be secure at that bank with personal that allows them to blame customers for their faulty technical technicalities, our right as customers, is they except blame along with who was n't qualified to be a bank representative. Third issue is notice of closure form had a date XX/XX/XXXX with amount owed {$480.00} to my savings account. XXXX charge off {$530.00} as of XX/XX/XXXX. They had about thirty or more days from XX/XX/XXXX to XX/XX/XXXX and XX/XX/XXXX to investigate their at fault and be free of clerical errors reporting to XXXX. My accounts had fluctuating balances of {$5000.00} to {$10000.00} that past year of XX/XX/XXXX. I believe with fees and confusion, there is a balance owed to me. Issue number four is U.S. Bank did not care to find where my deposits disappeared too, only that I was supposed except their frivolous accusations as just a person in general to their concern, which felt violating in accord with my civil rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2016 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I am being said to have obtained funds from U.S. Department of Education for {$5000.00} to pay for classes at XXXX University at the XXXX Campus for for the XXXX semester of 2012. 
The dilemma is that i have received notice from XXXX stating that their records indicate i stopped attending the XXXX 2012 semester at XXXX University on XX/XX/2012 for which is the end of the XXXX semester. I withdrew from classes at the end end of the XXXX semester as the notation attached herein as exhibit validates. 
I have contacted U.S. Department of Education at the phone number listed on the credit reports from Equifax, XXXX and XXXX, XXXX, entered my social security number and birth date, and received the message that i have no existing account and a {$XXXX} balance? I the contacted XXXX, WI XXXX, at XXXX, entered my social security number and birth date, and received the same message that i have no existing account and a {$XXXX} balance? This is in sync with the XXXX University notation date XX/XX/2012 that explains that the funds were returned to The U.S. Department of Education. See herein attached as exhibit, but the aforementioned credit bureaus Equifax, XXXX and XXXX have not removed the alleged debt even though The U.S. Department of Education has not provided them nor me with? 1. ) What address the funds came from? 2. ) What the serial # of the alleged check and or checks are? 3. ) Where, as in what bank the money was withdrew from? 4. ) Why does The U.S. Department of Education report that there is a {$XXXX} balance? 
The aforementioned defines that the alleged default of credit should be removed due to the alleged investigation of my dispute being inaccurate, incomplete and or unverifiable. 
The aforementioned has reports filed by said credit bureaus has caused me the consumer significant hardship fro my employer, my landlord, my insures as well as the creditor XXXX, for whom i sought to obtain a business and home loan that was denied due to the erroneous credit reports listed as public record. 
I have forwarded my disputes to The U.S. Department of Education, XXXX, WI XXXX, as well as to XXXX, XXXX, XXXX, WI XXXX, but to no avail, i have not received any of the information i sought to validate the alleged Debt.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I Would Like To File For Identity Fraud And Clear My Name. From XX/XX/XXXX-XX/XX/XXXX I Was XXXX And IN Between XX/XX/XXXX-XX/XX/XXXX Someone Was Using My Name And Social Yes For Mortgage Loans, Student Loans, And Auto Loans. I 've Never I REPEAT I 'VE NEVER FILED FOR ANY OF ABOVE.

Company response to consumer: Closed with explanation
Consumer complaint received 11/26/2017 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: Problem with personal statement of dispute

Complaint: On XX/XX/XXXX, I sent Equifax Credit Bureau a handwritten letter to dispute two bankruptcies shown on my credit Case # XXXX and Case # XXXX. I sent this letter certified ( USPS Tracking # XXXX ) which it was received on XX/XX/XXXX. In this letter I requested Equifax to submit verifiable proof since these are unverified bankruptcies. Equifax sent me a response dated XX/XX/XXXX ( copy is attached ). Per their investigation, the information is reported correctly and currently reporting as discharge. On XX/XX/XXXX, I mailed Equifax another letter ( copy is attached ), stating they did not provide me with a copy of any viable evidence. Equifax has failed to provide me with the information I have requested. This is a violation of the Fair Credit Reporting Act. I have verified and received correspondence from both bankruptcy courts and XXXX, that they do not verify information with the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2016 about Bank account or service (Other bank product/service) with ASSOCIATED BANK, NATIONAL ASSOCIATION (WI).
Issue: Making/receiving payments, sending money

Complaint: I have spoken to 3 employees of Associated Bank on XXXX, XXXX. The bank has offered to share the attorney fees but refuses to do anything to repair the late payments they have placed on my credit rating. Until this issue, I have NEVER had a late payment listed on my credit. 

RE : Equity Loan Plan Account Agreement and Mortgage Note Loan No. XXXX Yesterday, I learned for the first time that my home equity account was past due because Associated Bank cancelled my scheduled automated payments that amounted to 2.5 times the minimum payment amount in XXXX XXXX. Associated Bank has retained a collection agency ( XXXX XXXX XXXX, XXXX XXXX, WI ) to foreclose on my home without contacting me concerning the stoppage of payment which Associated Bank admits they are responsible for. These payments have been in effect for over 3+ years without issue. 
Due to Associated Bank stopping the payments, I am now being asked to pay considerable late fees, attorney 's fees, etc. in the amount of {$1000.00}. My credit rating has also suffered a XXXX point reduction due to this issue ( XXXX in XXXX XXXX, current XXXX ). 
It is my believe that Associated Bank had a responsibility to notify me in a prompt manner ( XXXX or XXXX XXXX ) in order for me to resolve this issue without fees. Associated Bank failed to do so which has led to the current issues. Once notified ( XXXX XXXX, XXXX ) I immediately contacted XXXX XXXX ( XXXX ext XXXX ) to resolve this issue. Associated Bank wishes to hold my home as ransom to force me to pay all fees. I have offered to pay all back payments and late charges ( {$600.00} ) and even attempted to online pay the amount of {$600.00}. In order to resolve this matter I am willing to split the attorney fees of {$890.00} with Associated Bank if they agree to restore my credit to its level of XXXX XXXX. Associated Bank via email yesterday has given me until XXXX XXXX, XXXX to pay ALL fees or they will continue foreclosure. I have also been informed that a supervisor ( XXXX ) would contact me. This has not happened 24 hours later. 
If Associated Bank does not contact me to accept my offer I will pay the amount of {$1600.00} as required by XXXX XXXX, XXXX. I will then begin legal action against Associated Bank to have returned all fees and for {$3000.00} for the damage done to my credit due to Associated Banks actions. I have tried to be fair with this issue and have not even been given a chance to be heard.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/22/2015 about Credit reporting () with Experian Information Solutions Inc. (AR).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: My student loans have been forgiven due to XXXX and the creditor ( XXXX ) responded to the dispute telling the agency to delete the accounts from my report. I have called XXXX and uploaded the documents. The creditor has sent the documentation at least XXXX times. They will not correctly update my report. I am attaching the report that was sent to creditors however, the only XXXX I have scanned in was for XXXX but it shows the same as what was sent to Experian.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: On XXXX XXXX XXXX received a certified letter from me disputing the inaccuracy of a bankruptcy on my credit report. Not only is the information incorrect but is unverifiable and I need this information permanently deleted from my report for it is damaging my credit. I even sent a letter from the court to them saying the court system does not report to the credit bureaus which is what is listed on my credit report. They had 30 days from the time of my dispute to respond and delete this account but they failed to do either. Which in turn, they broke the law according to the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Student loan (Private student loan) with Navient Solutions, LLC. (MI).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I have called Navient on multiple occasions informing them that I was having problems with making my payments and I needed a lower option. They never gave me any options they set me up on an automatic payment option and told me I had to stick. I called back several times to let them know that this would not work for me. They stated that they only had one phone call from me and that was in XXXX. From XXXX to XXXX they never processed one payment. I would call in and make a payment. On XXXX XXXX they processed a payment without letting me know. I called in to tell them that the needed to cancel this payment because it was not authorized, they stated that it was set up on automatic payments, and that I should have told them to cancel it. I told the representative that I had called in and told them that this was not working for me and she said I had not been calling in and that the only time i called was in XXXX. I said I called in and I told them that this was not working for me and I also said that I did not want the automatic payments, no one never said that I could stop this payments until I spoke with the representative on XXXX XXXX after I had been telling them this option was n't working for me. On XXXX XXXX they finally stopped the automatic payments but now I am left with a over draft fee of {$210.00} for a payment that was not processed, my bank will not stop the check. I wish I had another option than to deal with Navient. The customer service Representative today was very nice, however previous to this one today the rest of them were rude and very demanding and did not offer any solutions.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (NY).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: Portfolio Recovery Services calls me repeatedly. I have asked on several occasions that they only contact me by mail, yet they still keep calling. More than XXXX caller has been aggressive and threatening. Some callers are evasive about telling me what company they are calling from and why. Every time they call I say that I have requested to only be contacted by mail and I have been told " apparently that did n't work '' and " you 're in a lot of trouble '' etc. I do n't recall receiving anything from them in the mail so I do n't know what debt they are calling about and I do n't trust them. After the way that I have been treated by some of their collection agents, I do not feel comfortable sending them any money. They are clearly not a professional outfit and I can not trust anything they say unless I have it in writing beforehand.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: i am a victim of Identity theft and Federal Loan Servicing XXXX Address XXXX XXXX XXXX, XXXX, XXXX XXXX keeps reporting on all ( XXXX ) credit reporting agencies as negative even though I contacted them directly, with documents showing a suspect was arrested using my personal information to get loans, credit and medical., I also filed a complaint with the XXXX which told me to contact XXXX XXXX XXXX United States XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and or XXXX XXXX XXXX Attention : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. I will send a copy of all attached documents with this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2015 about Bank account or service (Checking account) with KEYCORP (NY).
Issue: Deposits and withdrawals

Complaint: I am submitting a third complaint against Key Bank. I have had excessive over draft fees taken out of my checking account in the past several months. Though it 's difficult to decipher, It looks like I moved XXXX $ to my son 's Hassle Free Account which is connected to my basic checking and that this bounced my checking account though my account was not overdrawn at all until this showed up in the ledger this morning. I have attached the forms which shows that '' Items pad that overdrew your account '' XXXX I was not overdrawn. The ledger does not reflect at any time that my account was negative. The way that Key Bank manages their accounting is not ethical. There is a note that says that Pending Items are not subject to overdraft fees but they do affect available balance. The available balance on Key Bank Accounts needs to be accurate and up to date. Key Bank is notorious for this kind of unethical accounting. This makes XXXX overdrafts fees of XXXX that I have incurred since XXXX XXXX. That is excessive overdrafting. If the bank and the CFP_ look at my attached documentation, you can see that I use this account, I have direct deposits going into this account. The money flows are consistent. The only reason my account overdrafts is the way that Key Bank debits the account. Their methods for iincurring these fees are especially effective with folks like me whose accounts become very low between pay checks. Oh and there is one more thing that has happened to me. Not only am I being punished for Key Banks Magical Accounting Methods, but now when I want to make a deposit into my account, the tellers have to ask for an override to be able to deposit money into my account. They ask for an override and a manager has to come to the desk and allow them to deposit my money. So I am not only financially punished but I am infantalized and embarrassed in the process. All of these overdrafts and this infantalizing are causing me XXXX as I ca n't afford for this to happen over and over again. I also am taking valuable time out of my day to write these complaints which is affecting my ability to do my work.

Company response to consumer: Closed with explanation