milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-01-2017 about Debt collection (Private student loan debt) with Blitt and Gaines, P.C. (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: In a previously issued complaint, XXXX, XXXX XXXX XXXX only provided information to falsely support 1 loan the collected on. But failed to confirm that they are still illegally garnishing me for 3 more loans. Despite the fact the company they are collecting for, XXXX XXXX XXXX, was ordered to stop all collections. They also did not correctly address how they improperly served me.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2015 about Debt collection (I do not know) with Diversified Consultants, Inc. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: Unvalidated debt reported to credit bureausAfter reviewing my credit report I saw DIVERSIFIED reported an alleged debt without ever making contact with me. They illegally reported unvalidated debt on my credit report. This is a violation of FCRA and FDCPA regulations. If this illegal entry is not removed from all three reports I will take legal action. I do not have an account number as I have had no contact with trident. I do know the balance of the alleged debt is listed on my report as {$40.00} with a date of XXXX 2015 as the date placed for collection. - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have paid my XXXX XXXX private loans for years upon graduating. Recently, I had a baby and in order to work full-time, I had to arrange for daycare. This inevitably ate up any money I had at the end of the month on top of all my basic daily living expenses. 
I have been unable to pay my private student loans because they will not lower the payment amount and I can not afford to pay them {$300.00} a month for interest-only payments. They will not offer me any program and have actually bad-mouthed me on the phone in terms of my choices. I offered to pay them {$100.00} but they refuse to accept this even after I forebear the loans XXXX. Even with interest only payments, I will be paying these loans forever, I will never be able to finish paying them which only makes the future bleak.

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Problems caused by my funds being low

Complaint: I bank with Bank of America using the paybill service. The checks were due for pay on the XXXX of each month. The bank took the moneys early and charged me overdraft fees on the XXXX of the month.

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 07-07-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with MRS BPO, LLC (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX office representative made false statements, and when I disputed the debt originally it was dropped from my credit history. 4 years after this was done, XXXX XXXX is attempting to collect what they think is debt. A person authorized to repressent the company told me that I would owe a certain amount and that amount was paid, when a different amount was attempted to be collected I was told that it did not matter what that person agreed to. In New York State a verbal agreement is tantamount to a contract and as such is where they provided service. They have harassed me for the last 7 years to collect something that is not owed to them.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (LA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Portfolio Recovery Associates is reporting an account on my credit report. I have no signed contract or any contract with this company. I have never done business with this company. I am not liable for the debt they say I owe. I would like for this company to delete their tradeline from my credit report. I am not responsible for this debt they claim that I owe. I asked this company for validation that I owe the debt. They responded with a bill that has an address that has never been an address of mine. Im not the responsible party. Furthermore, this debt was placed on my credit report without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2016 about Bank account or service (Other bank product/service) with First Data Corporation (MA).
Issue: Deposits and withdrawals

Complaint: I use the First Data Money Network card for my paycheck to be directly deposited. This card was furnished to me by my work. I am applying for a mortgage and I need to get statements showing the money that I put away as well as my usual cash flow. For the last 2 days, every number that I call gives me a message that they 're experiencing technical difficulties and to try again later. 

I am running into deadlines and I ca n't keep pushing this back. I need proof on paper of my money, and I need the people in control of my money to be accessible. There needs to be some recourse. I 'm at my wits end attempting to get ahold of anybody at all at this company.

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 02/17/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Consumer Financial Protection Bureau, I am very excited to have found you and know that you will be able to help my situation. 

Right now, my husband and I are closing on our house on XX/XX/XXXX ( 14 days from now ). When we obtained an updated copy of my credit report, I noticed that there are 90 day late payments on my XXXX student loans that are being serviced by XXXX. Acct # XXXX. 

Additionally, they are reporting an " Account Status '' as " Currently 90 days late ''. 

Attached is a faxed document from XXXX showing clearly that my account is current and NOT 90 days late. 

My experience in legal matters is extensive in knowledge of the Fair Credit Reporting Act. The Act specifies prohibited practices in the payment reporting guidelines. There can not be a 90 day late payment unless there is also a corresponding 60 day late payment and a 30 day late payment ( credit report attached to this investigation request ). 

I request that Transunion remove the illegal 90 day late payment history for XX/XX/2017 for all XXXX of the XXXX accounts # XXXX. Also, change the " account status '' from currently 90 days late to " Currently Paid or Paying as agreed ''. 

Thank you VERY much.

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 01-03-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have been fighting with these people for years, they had me living in a state I have never lived in and reported non payment when I paid off credit cards or loans. Most of this had to do with a construction project that XXXX Bank stole {$150000.00} of my money which I am still trying to recover. Judgements placed because they controlled all the money and lost it. Also illegal services I found on a loan which they would not remove. I also tried to get a loan and had my identity stolen which these people must have tried to use to get more money. I did refuse to pay them and told them I am entitled to my report and their scores are very unbalanced and discriminating. They refused to do anything so I had my score frozen for three months which with their inaccurate reporting made it impossible to get a loan. It if time they stopped the inaccurate reporting and also used XXXX credit card my father had which had a second card in my name I never used. They refused to verify that my signature was on those documents so when he passed I settled for less which hurt me because he was not here. Something must be done with these people and inaccurate reports when it says a soft hit does not affect your score it does. They use everything. Someone needs to come up with some kind of system. There were also credit cards that I myself did not close but did not use so they showed also which should not be reported because I did not use them I guess they close them in a certain amount of time.

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 07-10-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I received a marketing code from capital one. I applied, and was approved. My card was sent out, but was restricted then subsequently closed because capital one had a " glitch '' in their system that sent the same code to over 20,000 people. Capital one 's response was to close all the accounts saying that customers used invitation codes that were meant for someone else, but the code was n't tied to a particular social or the approval, MY credit was pulled, and I was approved based on it, but because of THEIR error, my account was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I have been the victim of identity fraud and have contacted the credit agencies about the numerous negative and collection accounts that are reporting to my credit that has been previously removed. the credit bureau simply states that i need to contact the creditor. When the creditor is contacted they can not provide any proof where I consented to have my credit run and or having the proper information on the said account. further more they refer me back to the credit bureau. Im not getting anywhere and want these negative marks removed from my file as they are hindering me from obtaining credit and better interest rates at the bank. the accounts in question are as follows : BANKRUPTCY TAX LIEN XXXX TAX LIEN XXXX XXXX XXXX XXXX ( 2 Times ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these accounts were previously removed under FCRA but have been re added.

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 04-05-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX XXXX- collection agency is reporting a collection to my credit report with a date of XX/XX/XXXX on XXXX , no date on XXXX and XXXX on Experian for an amount of $ XXXX. This original account charged off 7+ years ago. I demand they remove this debt from my credit report and stop attempt to collect on it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-04-2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I was taken to court by Portfolio Recovery in XXXX of 2017 for an XXXX XXXX and a XXXX XXXX account that was n't mine. I told the lawyer that the accounts were n't mine but I was still told that I would have to pay these accounts or I was going to have my wages garnished! So on XXXX XXXX 2017 I made a payment of {$900.00} to the XXXX XXXX account and {$500.00} payment to the XXXX XXXX account. Also on XXXX XXXX XXXX I made an additional payment of {$100.00} to the XXXX XXXX account. I 've gone back and forth with Portfolio Recovery and the Credit Bureau for months trying to get some answers. On XXXX XXXX 2017 XXXX proved that those accounts did not belong to me and now Portfolio Recovery does n't want to refund me my money. I spoke with agent XXXX XXXX ID number XXXX in the dispute department in XXXX 0f 2017 and he told me that if the accounts came back as not mine that I would be refunded my money. Now now one will let me speak with him and keep telling my that they would never say they would refund my money.

Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2017 about Debt collection (Other debt) with Pinnacle Credit Services, LLC (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On XX/XX/XXXX I summit a complaint against Pinnacle Credit Services, LLC/   XXXX   XXXX   XXXX   and they responded on  XX/XX/XXXX , I still waiting for their account to be deleted from all  XXXX  major credit bureaus, it has been more than 30-45 days and now I request to be deleted immediately.
Here is the letter that they sent.
<P/>
 XX/XX/XXXX  Consumer Financial Protection Bureau   XXXX   XXXX   XXXX   ,   XXXX   XXXX  , D.C.  XXXX  RE :   XXXX   XXXX   XXXX   XXXX    ; CFPB Case # :   XXXX   Account Number :  XXXX  Original Creditor :   XXXX   XXXX   Current Owner : Pinnacle  Credit Services , LLC Reference Number :  XXXX  Dear Sirs/Madams, This letter is in response to the Consumer Financial Protection Bureau ( CFPB ) inquiry received  XX/XX/XXXX  rega rding the above-referenced account. Pinnacle Credit Services , LLC ( Pinnacle ) currently owns the account having acquired it on  XX/XX/XXXX .   XXXX   XXXX   XXXX   XXXX   XXXX   
(  XXXX  ) is the servicer of this Pinnacle account and began servicing it on or about  XX/XX/XXXX .
Please note that   XXXX   takes its customer service and consumer protection obligations very seriously and has significant staff dedicated to its compliance-related functions in order to identify, resolve and permanently correct operational deficiencies or improve upon customer concerns.
This account originated on XX/XX/XXXX  with   XXXX   XXXX  . The last payment was received on  XX/XX/XXXX . The account charged off on  XX/XX/XXXX  with a balance of {$1200.00}. The current account balance is {$1200.00}.
All ownership rights in this account were transferred to Pinnacle when this account was purchased from the previous creditor. Those include the right to collect on the account and report to the consumer reporting agencies ( also known as credit bureaus ) in the event that the account is eligible for credit reporting. Currently, this account is being reported as disputed to the   XXXX   major consumer reporting agencies on behalf of Pinnacle. However, as a courtesy, since the legal time limit for bureau reporting is approaching on this account, a request to delete the Pinnacle trade line will be submitted to the  XXXX  major consumer reporting agencies during the next reporting cycle. Please allow 30 to 45 days for this update to occur. Previous creditors may also continue to report the history of this account from the origination date up to the time of sale.
 XXXX  received the multiple electronic disputes that   XXXX   XXXX   submitted through one or more consumer reporting agencies.   XXXX   has responded in a timely manner and provided the agency with information relevant to his dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2016 about Mortgage (Home equity loan or line of credit) with U.S. BANCORP (NH).
Issue: Loan modification,collection,foreclosure

Complaint: I am having problems with US Bank Loss Mitigation department in processing a short sale and receiving expeditious responses from Short sale personnel, team members and even Executives. The loan is a 2nd mortgage home line of credit and the 1st Mortgage has already been Approved. Paperwork was initially sent on XXXX/XXXX/16 but I did not get a response on receipt and I had to fight with everyone that I spoke in Loss mitigation department until a customer service rep finally who gave me their email address. I sent all documents via email. I was told by the same person that gave me the email address that there is no escalation available for short sales in the XXXX XXXX that it will take months and months, which is untrue because we have processed short sales before with the same Lender and there was an escalation option. 
In between my correspondence with the customer service rep and calling the Loss Mitigation department which proved useless, I called and emailed the contacts I was given by my co-worker sent me on these dates asking for assistance and sent them documents : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. On XXXX, I called the complaint department and made a complaint/escalation giving full description of the short sale issue, that we need help, that we have approval letter, etc. I was told that they had a deadline of XXXX on this issue then I would get an answer but to call back on XXXX Monday to see if there was a resolution. On XXXX, Monday, I called in to the complaint department to see what their answer was. I was told by one of the managers to call back on XXXX or XXXX late afternoon to get that resolution because it was not ready yet. I called XXXX in the XXXX and that was when the customer service and the same person that took my complaint claimed not to have my authorization. I had to insist on speaking to the manager. She finally transferred me to the manager and was told that there was no authorization on file. I got his email address and sent him the authorization. Today I get an email from him letting me know that I can send him a detailed email regarding our complaint. He also said he would send our authorization to various departments that needed it in US Bank. I have re-emailed a long description of our complaint to him and to other executives and personnel with US Bank regarding our complaint and a complete timeline of it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AES/PHEAA (NC).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: The credit reported as XXXX XXXX is falsifying my student loan debt that I have filed as forgiven numerous times and the company has called and sought the mis use of my student loans on numerous occasions in hopes of gaining money that is already settled. 
In addition, the companies XXXX XXXX, and XXXX XXXX XXXX XXXX perpetuate credit use with XXXX XXXX records by switching company names and deleting payments made. The companies were suggested by XXXX XXXX who received payments and proceeded to perpetuate my payments as well. XXXX XXXX was told to be the account holders of XXXX hospital to this date. I have paid these companies numerous times and nothing has been shown on my credit report and my account balances continue to exist regardless of my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2016 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (CO).
Issue: Loan modification,collection,foreclosure

Complaint: This communication is based on and a part of prior communication regarding loan # XXXX and a complaint # XXXX. As I reviewed the status of communications today I noticed that Citi had included a lengthy summation of loan history - and I 've been led to believe that I received that information long ago. Not sure that is true. Does n't matter in the whole scheme of things regarding Citi 's actions, but I seek to inform those that read this stuff - I 'm uncertain as to whether I received the information they allege they sent - frankly I do n't think so. It certainly is not in my files of late, and I have started to be very careful about communications between myself and Citi.

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 12-10-2015 about Debt collection (I do not know) with EXPERT GLOBAL SOLUTIONS, INC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Someone by the name of XXXX XXXX calls and left a message for an XXXX XXXX on my cell phone saying she ca n't give anymore information and this is her last attempt. She needs to call her back by the end of the day.

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On or about XX/XX/2017 my wife and I applied for a loan to purchase a used vehicle at XXXX XXXX, XXXX, California. We were trading in two vehicles for the one. We were told the loan was approved by XXXX XXXX XXXX XXXX, XXXX XXXX, California. A week after bringing the vehicle home and the dealership having our two vehicles, we were called by the dealership to go back and sign new paperwork since XXXX XXXX declined the loan. Without our knowledge the dealership made several inquiries ( hard hits ) on our credit to get a loan approved. A few days later we started receiving letters from various banks and credit unions explaining why were declined. We received one letter from XXXX XXXX which explained that although I had a credit score of XXXX I was declined for various reasons. One of the " key factors that adversely affected my credit score '' was " time at current residence ''. I have tried to contact XXXX XXXX, my personal bank, Experian and the Federal Trade Commission in an attempt to determine how it is possible 23 years at my current residence could adversely affect my credit score. I  have not been able to find an answer to this question! This should be spelled out somewhere with some agency.

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 01-07-2018 about Payday loan, title loan, or personal loan (Installment loan) with Cash Express, LLC (TN).
Issue: Problem with the payoff process at the end of the loan

Complaint: On or around XXXX XXXX, I received an installment loan from Cash Express , LLC under the Tennessee Flexible Credit Act ( " the Act '' ). Accordingly, I received a periodic statement from Cash Express , LLC stating I owed around {$110.00}. Accordingly, I sent the statement and " paid-in-full '' and " accord-and-satisfaction '' check to Cash Express , LLC 's headquarters located in XXXX, TN around XXXX XXXX. Accordingly, I later received another periodic statement on XXXX XXXX, XXXX stating I owed around {$830.00}.

Company response to consumer: Closed with explanation