milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/29/2017 about Student loan (Federal student loan servicing) with Immediate Credit Recovery (TX).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I XXXX XXXX have attempted to resolve my defaulted student loans, however, Immediate credit recovery is refusing to process my XXXX paperwork based on me being unable to supply my wife 's income information. I spoke to them in regards to this matter onXX/XX/XXXX( previously as well, sent Rehab docs back inXX/XX/XXXX but never heard back and confirmed onXX/XX/XXXX they were calling an old number ; the paperwork emailed to them had all my correct information on it though ). They are currently garnishing my wages, I have provided them my financial disclosure and 2 pay stubs, for myself, as they have asked. ICR is still seeking to obtain my wife 's income but we file separately on our taxes ( have been and will continue to do ) and she refuses to furnish any income docs as we keep bills/income separate due to her not wanting to be a part of my personal debts acquired prior to our marriage ). I do not have access to her paystubs as she can only access those via online with her secured log ins ; which she is refusing to furnish. My understanding of all the department of eds programs are that because we file separate and she is unwilling to provide me the information, I will be treated as separate. Please review this matter and assist me with the Rehab as I can not afford the garnishment and would like to rectify that by entering into a Rehabilitation with the collection agency. <P/>Originally I had attempted to consolidate out of default inXX/XX/XXXX, that was denied once ICR placed a garnishment 3 weeks after the application was submitted. the garnishment originally should not have taken place as the loans were being paid via consolidation prior to a garnishment ( my feeling is that the XXXX was denied and the garnishment was placed once ICR received notice of the intent to consolidate ; which is unethical and illegal practice ). <P/>Please help me resolve these matters as this is causing undo stress and hardship on myself and children.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Deposits and withdrawals

Complaint: A deposit was returned NSF and I asked Wells Fargo to redeposit the check on XXXX XXXX, 2016. The check cleared the bank on XXXX XXXX, 2016 and although I provided a copy of the front and the back of the cancelled check, Wells Fargo continued to hold the funds until XXXX XXXX, 2016 and charged me and overdraft fee of {$35.00} for a check that posted to my account on XXXX XXXX, 2016. They recently started holding all deposits until they, " clear, '' even if your account has enough to cover the deposit.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX pulled my credit report. Found a XXXX XXXX account on it that did n't belong to me. Disputed it with Equifax. Came back verified within days. I called XXXX XXXX XX/XX/XXXX. They verified it was not my account, sent me a letter that I forwarded to all 3 bureaus. XXXX and XXXX removed the account. Spoke with a rep at Equifax who told me that I was not allowed to send into letters as proof it has to be from XXXX XXXX. I told her the letter was from XXXX XXXX. They mailed me the letter as proof the debt was not mine. She politely told me too bad. Terrible service. This is my credit and mine and my family 's future and to havevan account that is reporting negative in my account that is n't mine is unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-01-2017 about Credit card or prepaid card (Gift card) with PAYPAL HOLDINGS INC. (TX).
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint: This is a well known issue. H  undreds if not thousands of people were affected by the Paypal hack.
Long story short, I bought gift cards from ebay via Paypa   XXXX  digital gifts. I tried to use the gift card a few months later and the value was  XXXX . I contact ed paypal  and after months and months of fighting they finally refunded " MY ORIGINAL PAYMENT '' which was an  XXXX  gift card, voucher and coupon. HOWEVER, no one can find out how to re use the original form of payment.  XXXX  is unable to locate those gift cards and vouchers. They say that after the split from paypal they messed up their servers and can not find any old gift card numbers.     The consumer WAS NOT MADE WHOLE AGAIN b y paypal  even though they denied everything and now are refunding slowly. I still lost my entire gift card value because I am unable to re use the original form of payment.  XXXX  needs to re issue those gift cards, or paypal needs to refund the entire amount directly to us.     I have all the transaction # 's, dates, and forms of payments available upon request.     This is a huge issue and it should actually become a class action law suit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/29/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: Spoke with representative and informed her that I was n't made aware of this really old debt and had n't been contacted about it. Now that I pulled my credit report I wanted to take care of it, only if they would agree to delete it from my report and send me something in writing stating that it was resolved and would be deleted. I specifically ask if paying the debt could get the debt deleted. The rep verbally agreed that once payment was receive that the XXXX XXXX XXXX debt would be deleted from my credit report and that act was misleading and deceptive. Now they are telling me that they are unable to delete it from my credit. I 've made several calls in attempt to speak to a manager ( XXXX and XXXX ) but somehow they are never available to take my call or some how the call is mysteriously dropped.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: THE CREDIT REPORTING CONFIRMATION NUMBER IS # XXXX. I HAVE HAD CONTINUOUS ISSUES WITH EQUIFAX REPORTING MISLEADING INFORMATION PERTAINING TO DEFAMATION OF MY CHARACTER. I SPOKE WITH XXXX FROM EQUIFAX ON XXXX/XXXX/2015 AND XXXX AND SHE VERIFIED THAT THE ACCOUNT # XXXX WITH XXXX XXXX XXXX XXXX HAS BEEN DELETED FROM MY CREDIT REPORT, BUT SHE DID NOT SHOW A SPECIFIC DATE OF DELETION. SHE STATED THAT SHE DOES NOT HAVE A SPECIFIC DATE FOR DELETION, BECAUSE IT HAS ALREADY BEEN DELETED. WHEN I VIEWED MY CREDIT REPORT, I NOTICE THAT THE ACCOUNT IS STILL SHOWING ON MY CREDIT REPORT AND I NEED FOR EQUIFAX TO SEND ME A NEW CREDIT REPORT WITH THE ACCOUNT # XXXX SHOWING DELETED FROM MY CREDIT REPORT. IT IS NOT RIGHT THAT THIS COMPANY CONTINUES TO REPORT INCORRECT INFORMATION TO MY CREDIT REPORT WITH CONTINUES TO DRIVED DOWN MY SCORE AND DAFAME MY CHARACTER HAS A RESPONSIBLE INDIVIDUAL. IT IS THEIR DUTY TO PROTECT CONSUMERS, AND I DO N'T FEEL AS THOUGH I AM RECEIVING THAT PROTECTION.

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
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: RE : Re-Aging Credit Account FTC Compliant ( FCRA ), 15 U.S.C. 1681 et  seq.   XXXX  I disputed the account below as a re-aged account and received a reply from the  XXXX  credit reporting agencies stating that the account had been verified and is accurate.   The account was removed from my credit report in   XX/XX/XXXX , Seven 7-years after the date of first date of first delinquency. The collection agency updated the account on  XX/XX/XXXX , showing, the collection agency re-aged the account after the original creditors date of first delinquency in  XX/XX/XXXX . The re-ag ed debt is past the statute of limitations.   Please delete this re-aged account immediately.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: My information was compromised along with millions of others in Equifax 's mishandling of security, during a cyber attack which was announced on XXXX XXXX, 2017 and took place in XX/XX/XXXX through XXXX of 2017.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: We received a bill from " ERC '' ( the only identification on the bill, no other heading on the bill ) collecting on a bill from XXXX XXXX XXXX ( XXXX ). We have lived in the same house for over 30 years and have never had XXXX. The bill was for {$190.00} Called ERC, they referred me to XXXX. Quite clearly through the conversation with XXXX, this account was not associated with us, except that the first and last name of the delinquent consumer was the same as my husband. XXXX told me that I needed to file an identity theft report with the police and a notarized affidavit regarding not receiving services. In other words, a half day 's work. The entity that had stolen my husband 's identity in this scenario was ERC. 

While on hold, I googled the name and found an obituary for someone with the same first and last named in the correct city where the service was provided ( which the XXXX rep has disclosed ). 

ERCs apparent practice is to mail a bill to someone with the same name as the delinquent account in hopes that they will simply pay the bill. To me, this seems the same as " phishing '' using the USPS rather than the internet. It seems like fraud to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 04-12-2017 about Bank account or service (Checking account) with PNC Bank N.A. (VA).
Issue: Problems caused by my funds being low

Complaint: I deposited my paycheck for {$1400.00} on XX/XX/2017 around XXXX to the PNC bank over the ATM. Usually this clears same night. Then XXXX payment posted on the same night ( XX/XX/2017 ). The attached statement shows that there was credit balance on XX/XX/XXXX but they still charged of XXXX overdraft fees of {$36.00} each for the XXXX payments totalling {$140.00}. I do not understand this practice. The attached statement does not show my funds were insufficient. Why make the XXXX payments as overdrafts first and then credit my account with my deposit? I would appreciate your assistance please. Thank you. 
I suspect this to be fraudulant practice. Please help to recover the overdraft fees. I called the PNC bank.. The clerk said he does not have the power to reverse them but lodged a complaint to his manager who should call me within 48 hours.

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TN).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: In XXXX, XXXX XXXX, a XXXX vendor, accused me of a late payment and attempted to charge me fees. It was only when I contacted the XXXX in that state XXXX admitted their error and relented. Now, Navient has accused me of missing a payment, even though I have bank records showing that the payment in question was made in XXXX ( although not due until XXXX XXXX ). I have submitted documents to the XXXX office once again, but I want some explanation as to why this continues to happen without any cause. I posited to the attorney general 's office that it might be a rather obvious attempt to " steal '' from individuals. Regardless, there must be some reason ; I do not feel I am the only victim here.

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Problem with fraud alerts or security freezes

Complaint: We requested that Equifax put a freeze on our credit, as we were among the 130M whose PHI was hacked from their data base. It became necessary for me to open a personal phone account with XXXX on XXXX XXXX, 2017. XXXX was not able to open the account due to the freeze. I spent at least 45 minutes on hold with Equifax waiting for someone to pick up, in the XXXX office and no one ever did. We contacted Equifax at home and asked them to release the freeze for 72 hours will I was applying for the account. I went back to the XXXX office one during the 72 hours and went on line with XXXX for them to start an account and both times they were told there was a freeze. We then went to Equifax and asked them to permanently lift the freeze. Two more attempts were made by XXXX to start an account and both times they were told there was a freeze, the most recent was XX/XX/XXXX. However, on XX/XX/XXXX, we receive communication from Equifax that the freeze had been removed and our complaint was " completed ''. 

If I needed to have credit issued for any emergency, I could not because Equifax has been inadequate at fixing this problem. Please advise what I can do next.

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with UNITED SERVICES AUTOMOBILE ASSOCIATION (NC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I bought a car. I started an allotment i was gone on mission then the hospital. I never knew my payment was n't being taken out. The bank said they sent letters to my house but i was n't there. They had my number yet they never called to tell me there was a problem. The company is there for military in a big wsu and i have been with them for half my career. I ca n't see why they would put me in that position knowing it was unintentional. As soon as I found out I corrected it. But if they had notified me through the contact info and means that I gave them I could have corrected it like i did as soon as i found out. I have truly been stagnated because of this. I feel like they had a major part in the late payment with the lack of notification. They refuse to fix it with XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint: I have contacted the bureaus ' one by one without avail. I have called, asserted, and expressed my displeasure to the companies at large, on X/XX/2013. I was requested to send in a XXXX of my photo identifying me along with a recent bill in the name and social security number. I completely satisfied their demands. Only to wait thirty days to receive a reply from EQUIFAX stating that they needed more Intel to complete and/or look into my request. 

What the heck! 
I felt XXXX, discouraged, and disparaged at the least. 
All the credit bureaus ' have illegally hoarded my personal information unwittingly to my knowledge and without my consent in any form especially in written form as required. In pursuance to the XXXX privacy act all of the credit bureaus ' i have listed not limited to FICO, XXXX XXXX, XXXX, XXXX, & EQUIFAX have blatantly and intentionally violated all privacy rights and allowed my personal information to be leaked and disseminated due to their false and misleading ways. 

Relative to the Fair Debt Collection practices act all of the credit bureaus ' aforementioned in this complaint have maliciously and collectively worked in concert by unlawfully distributing consumer personal data for profitable gain at the expenses of pain and suffering of those so inflicted by the course of their willing and intentional violation. It is my request to have the CFPB to advocate on my behalf, to have all of my personal and sensitive data completely removed from every database my information is held by the aforementioned above. It is a great disgrace, that the aforementioned and above-mentioned engaged in pursuance of filthy lucre at the expenses of many consumers by such fraudulent means. 

I have suffered humiliation, XXXX XXXX and credit disaster because of it. It has greatly decreased my capacity to attain credit for housing, transportation, and it has incapacitated me from career opportunities. i have been XXXX and hospitalized because of it in the past. I request punitive damages for my XXXX, financial pain, and suffering -- also for the prevention of the huge number of failed opportunities these criminal violator 's have caused me. I do not consent to a class action suit. This is personal for me and I 'd like it to be addressed as such. I also would like to express my eternal gratitude for the CFPB protection of my family and household.

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2017 about Debt collection (I do not know) with Asset Recovery Solutions, LLC (WI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XXXX XXXX I received a bill from a company called AssetRecovery Solutions, LLC that asked for me to settle an account for 70 % of what is owed. I have no knowledge of this account or of the balance due and this is the first time I have been contacted about it. I was never sent a bill from the original creditor listed which is XXXX XXXX XXXX and the tome of the letter looks like it is scam.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ONEMAIN FINANCIAL HOLDINGS, LLC. (AL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: My wife and I always accepted there calls. we ask them not to call a certain number due to my parents are sick XXXX.They still call. I spoke with XXXX XXXX she said she was a manager i explain to her that I was n't working I was trying to get my paper work in from the doctor so I can return back to work that I will send a payment in soon as I start receiving my pay check. XXXX XXXX made a statement saying do n't you need to go and aply for food stamps. I think that is very unprofessional. I ca n't help I had XXXX I was paying on time never missed a payment.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2016 about Debt collection (Medical) with Debt Recovery Solutions, LLC (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Hi I recieved a bill that was orginally from XXXX hospital, the bill is for my sister XXXX. I am not her guardian or parent and I am not responsible for that bill my father should be.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2015 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: EXPERIANXXXX/XXXXaccount showing collection/chargeoff ( should be unknown ) account was included in chapter XXXX bankruptcy filed XX/XX/2015

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/27/2015 about Debt collection (I do not know) with Allgate Financial, LLC (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Hilco Receivables has filed a judgment under my name for money and debt due on XXXX/XXXX/2007 ( see attached case # and record of judgment ). I was not aware of this judgment nor was I served like it states in this document. Hilco Receivables is a collection company that has not been able to verify the source of the original debt. I believe that they also DBA as XXXX XXXX XXXX , XXXX. They have continued to simply ignore my request for sourcing the original debtor which according to this order was in 2007 way past the statue of limitations for any debt and can not verify original balance or source. The judgment is showing on my credit report and on record with the XXXX District Court. I also tried to attempt to verify the source debt thru the credit reporting agencies with to no avail or resolution.

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