milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/15/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CL HOLDINGS LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: I received a bill from XXXX wireless I kept disputing but it comes back verified and updated.i kept disputing debt and never received verification that debt was mine.it has been sent to several collection agencies and keeps being updated. Recently debt has been updated to XXXX 2015 as a current debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WA).
Issue: Problem with fraud alerts or security freezes

Complaint: On XXXX XXXX, XXXX I froze my credit with XXXX and XXXX, with no problem, online. Using the same information, I tried twice with EXPERIAN and was told they could not freeze my report with the information I had given. It was the same as I had given the first XXXX! Then I tried to call and got an XXXX service which gave me no way to freeze my account, only an address to send copies of multiple documents. I then tried to email them the following message, but they have no email address listed where I could file any complaint or ask questions. I wrote : Please tell me why you will not accept my freeze online or by phone, even though your website says I may? I had no trouble placing a freeze with XXXX or XXXX online! What is your problem? Please reply asap. I am sure I am not the only one who is infuriated by your request that I photocopy and send many documents to you by snail mail! XXXX is of the essence since the XXXX hack! 

I consider Experian 's obstructive behavior a violation of my right to receive fair treatment and an answer to my questions. my identity might be stolen because of their actions and inaction to protect my consumer 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 08/19/2015 about Mortgage (VA mortgage) with PNC Bank N.A. (IL).
Issue: Loan modification,collection,foreclosure

Complaint: PNC Bank services my mortgage loan on my house. I live in Illinois, where " dual tracking '' is illegal. I was being processed for workout options .... ie ... my hardship package was " under review '' .... and yet I was still being pursued in XXXX county courthouse for foreclosure complaint, complaint for default judgement ... etc ... .The same day I was offered a forebearance agreement to sign from PNC bank ... they filed the Complaint for Foreclosure!!! 
Please investigate them.. My case number is XXXX. I filed for a hearing on motion to strike their complaint and their motion for default judgement. Thinking of counter sueing them. Any thoughts?

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (VA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: XXXX XXXX I inquired about getting my father released as co-signer. After a struggle with several phone calls and bouncing around, they said I need to pay more ( more than I could even afford ). After XXXX months with on time payments they could release my co-signer. The explanation that I understood was to make sure I could afford repayment. My co-signer has never paid a single dollar in our XXXX year relationship. On the automatic withdraw the have steadily increased the payment without authorization from me but Ive had no choice but to pay. Over a year of higher monthly payments they give me a run around about releasing my father. My father needs to buy a new house due to job relocation and student loan debt does not look good. I feel like they misled me, forced me to pay more through guilt, and lied about the plan they set forward. Not the first time that they have pulled stunts like this including what I felt were illegitimate deferment charges, late charges, and threats. Now my credit, XXXX health, and family is under destruction. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My daughter purchased XXXX Phones for her and her boyfriend. She called me and said that XXXX was offering a great deal and ask if she could use my credit rating to open the account. They said that I would not be responsible for the bill that it would be in my daughters name. When she opened the account XXXX said that they would pay off the contract on her previous phone service to switch to XXXX. XXXX did not do this. She made XXXX payment but was not charged correctly and stopped making payments. My daughter was living in my rental home where the bills were being sent in my name. My daughter and I called XXXX on 3 way telling them that this bill was not suppose to be in my name and complained about the incorrect charges. I called XXXX two more times to get this bill in her name where it belonged. I have a XXXX phone ( for many years ) and would never agree to pay another company for phones.

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 10-04-2016 about Debt collection (I do not know) with Pinnacle Credit Services, LLC (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: This company never sent me a bill after they bought my debt. Then they reported on my credit report twice under XXXX different account numbers but the original creditor is the same ( XXXX ), the amount is the same XXXX and the original date is XXXX/XXXX/XXXX on both but Pinnacle added the XXXX one on XXXX XXXX, XXXX with duplicate info but different account number but still never notified me that they had my debt to collect. I just happen to see it on my credit report duplicated

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: As of XX/XX/2018 the information shown on my credit report is not correct. This account was reported as cancellation of debt on XXXX in the amount of {$670.00} but yet shows on credit report as past due and and balace with all three credit bureaus. The account is with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Debt Recovery Solutions, LLC (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There is a collection which is NOT mine, I do not owe on any medical for {$1300.00} please help me this is crazy

Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2017 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (OH).
Issue: Struggling to pay mortgage

Complaint: This complaint is in reply to the completely bizarre response I received from Bank of America to my last complaint filed through this website -  XXXX . While I could not have been more clear that my complaint was a direct result of  BOA 's  failure to provide a direct answer to a simple question from an earlier complaint, the company then replied  ( after nearly 4 weeks ) and said : " After reviewing your request we were unable to find a change in your situation, or unaddressed concerns. Given this circumstance, weve closed your reques ''. However the fact is that the entire complaint was about an 'unaddressed ' concern. If the CFPB is going to go through the trouble of having this website, it should not allow companies to blantantly lie in their responses to clearly communicated requests. If so, what is the point of the site in the first place? So, I guess I 'll try again, and this time, I 'll even be more clear ( as if that  's possible ) : Dear BOA, HERE IS MY SO-CALLED 'UNADDRESSED ' CONCERN : you have failed to answer a simple question regarding BOA  's ownership of my note and mortgage, OR the j udgment debt that resulted from the alleged default on my home loan. HERE IS THE 'YES OR NO ' QUESTION ONCE AGAIN : HAS BANK OF AMERICA  XXXX  OR ANY OF ITS SUBSIDIRARIES, EVER OWNED THE NOTE AND MORTGAGE THAT APPLIES TO AND SECURES THE LOAN ON MY HOME, OR HAS BOA EVER OWNED THE JUDGMENT DEBT RELATED TO SAID L OAN? For the purpose of answering this, I 'm NOT asking if BOA has ever 'serviced ' said loan. I understand you have already answered that you have not. Please do not treat this as a similar request. It is not. Please answer the simple question above with either a 'yes ' or a 'no '. If yes, please provide specific details as to when the note and mortgage were acquired, and if BOA  continues to own said note.

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 02/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I sent a debt validation letter to XXXX XXXX XXXX in XX/XX/XXXX, never received anything in response. I spoke with an account manager on the phone for XXXX XXXX XXXX and asked for all paper work from my file to be sent over to validate this debt. His response was " do you not remember? '' I let him know it was for my records and that XXXX is reporting different amounts to each Bureau, and also reporting late payments twice a month on this account and it is ruining my credit. This account is closed, therefore I have no late payments. He simply replied " I don't know what to tell you, you should just pay it. '' So I never received the paperwork as asked. They have called me at least once a day and I have repeatedly had the same conversation over and over but they refuse to send anything to me. This is harassment and is illegal, my account is closed with them. I have now sent letters to each credit bureau, and asked that they verify this account and send me all documents they used to do so, Trans Union and XXXX both came back " verified '' and no proof was sent over. XXXX deleted the account as they found there to be no validation of the account. This account is closed and charged off as bad debt. They gained a profit and write off from my account, along with selling the reposed car we once had. This account was closed in XX/XX/XXXX. Yet every month XXXX has reported a late payment on my accounts to the bureau, they also have reported different closing dates, and amounts owed every time this account is disputed by my husband and I. They have been removed and added back on numerous times. This is harassment and illegal. Reporting that we owe the same amount on our loan that we did the day we bought it and reporting late payments twice a month even though the account has been closed almost 2 years now. This is making us look bad to financial companies and is completely out of line. This debt is not valid and should not be on our credit reports.

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 06-12-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX reported 60 days late payments to the credit bureaus, for missed payments that are the result of their billing systems errors. My account has been set up with the XXXX XXXX Auto payment that pays {$100.00} on the XXXX day of every month. In XXXX and XXXX 2015, the Auto Pay feature failed, and XXXX XXXX has not been able to determine the cause of this problem. I am requesting help to expedite XXXX XXXX process and timeframe for removing the erroneous late payments from my reports with all of the credit bureaus.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2017 about Debt collection (I do not know) with A/R CONCEPTS, INC. (IL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have received past notices in regards to this debt from A R Concepts Inc. I sent a dispute notice in regards to validation but have not received any response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OR).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Experian has incorrect information on who I am, and show fraudulent credit application requests. I have tried to call Experian, but their system does not let you talk to a person! Their automated options do not include the simple idea of reporting and correcting issues. I have tried to use their online system to report, but it says it can not process or honor my request. I 've tried multiple times. 
The entire company seems incompetent. HELP! 
XXXX XXXX XXXX, Oregon

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 02/16/2018 about Debt collection (Medical debt) with Overton, Russell, Doerr and Donovan, LLP (NY).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: I dont know exactly what date but I dont know why they are contacting me when I have my Social Security number which is an account number and they still try to collect from the Individual

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I am  XXXX   XXXX   XXXX  and on Social Security with an additional, small income to pay bills. I have a student loan from my son that I paid for many years until I was not able to keep up the payments, around  XXXX . Last year I followed up with   XXXX   and was able to rehab the loan fo r nine month s. I was shocked to see that what was originally a $  XXXX  loan become a $  XXXX  loan. After the rehab I was assigned to Navient. That was in   XXXX   XXXX   XXXX  . At that time the loan was deferred till   XXXX   XXXX   and I was told I could apply for income-based payments, as their initial payment structure was {$450.00} a month, well out of my budget. I completed the paperwork but received no response. I contacted them again, again with great difficulty, and I was told nothing had changed, I was not approved for  IBP an d I was not notified. If I had n't been stubborn enough to keep calling I would n't have known. I was then told I would receive an email with paperwork to reapply for IBP. I have not received it, nor have I been contacted. I logged in to my account and the loan is now at $  XXXX  and the scheduled payment is for   XXXX  .     I have paid off my ow n undergrad and g raduate loans in a timely fashion in the past, as well as loans and tuitions for  XXXX  of my sons. I have been making a loan payment to  XXXX   XXXX  for probably  eight or ten y ears and currently still paying {$100.00} a month to them. I 'm not a deadbeat. But from  XXXX  to  XXXX  and now  Navient ha s brought me face to face with the ugly scam that is student loan servicing. I would be satisfied to make a reasonable payment each month at a reasonable interest rate to remove this issue from my credit and make it possible to pay my other bills. But I ca n't seem to find anyone who will deal with me honestly and straightforwardly.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2015 about Debt collection (Payday loan) with Guidiville Indian Rancheria (NC).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: My mother received a voicemail stating that somebody was looking to have me served with court papers and they were going to serve me on my job or at home and a claim number and toll free number was left on her voicemail wanting to verify social security information as well. My Mom called me frantic and upset, scared that I was going to get locked up. XXXX when did these type of third party scare tactics become permissible by companies, associated vendors, or third party collection agencies? XXXX different organizations are involved in this situation an alleged legal courier, a collection agency and the XXXX XXXX shop.

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Problem with fraud alerts or security freezes

Complaint: On XX/XX/XXXX I entered the Transunion credit reporting site to freeze my credit account due to the recent XXXX debacle. I did a search on the site for " credit freeze '' and received a link to accomplish that. 
I completely filled out the form provided and gave them my credit card info assuming there was a fee for the service. A few minutes later I received a confirmation email that stated I had signed up for the Transunion credit monitoring and I would be charged XXXX per month for this service. 
I immediately called the customer service number. I initially talked to a person with a heavy XXXX accent who claimed to be in Minnesota. He indicated that there were several people experiencing the same problem I had and gave me a billing no. and a freeze no. to call. 
I called the billing number and explained what happened. The rep indicated the service would be cancelled and I would not be billed. She provided a confirmation number XXXX. She also had a foreign accent and refused to state what country she was located in. 
On XX/XX/XXXX my XXXX account was charged {$19.00} for the service. I have since protested the charge to XXXX. 
Transunion is practicing fraudulent and deceptive actions to defraud consumers. 
Extremely worrisome is their practice of outsourcing their customer service to foreign nationals, further placing consumer information in jeopardy to make more profit. 
My wife XXXX XXXX XXXX also had this same experience on XX/XX/XXXX and is also protesting the XXXX charge to her XXXX account.

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 10/24/2016 about Debt collection (Credit card) with Hodosh, Lyon & Hammer, PC (RI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: 20 years ago, while attending college I opened some credit cards. Last year I purchased a home, and resolved all credit issues at that time. Since then, I have been receiving numerous mailings from random collection agencies. 
Upon arriving at work today, a coworker signed paperwork from a constable to garnish my wages. 
I called the Attorneys representing the collector, whom in my opinion are actually collection agencies! I believe this is harassment and I 'm so upset, that I can not perform my work today. 
the harassing attorneys office is HODOSH LYON & HAMMER LTD, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2015 about Credit reporting () with Experian Information Solutions Inc. (ID).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am a XXXX % XXXX Veteran and I am exempt from XXXX and medical bills, and the credit reporting agencies have XXXX and medical bills on my report that they will NOT remove. # XXXX complaint is being ignored, I contacted them 4 times via mail and online, and they always have excuse not to remove the inaccurate, obsolete and noncollectable information from my credit report. Same for # XXXX, and # XXXX-Experian. I sent them a as follows : 1. Copy of my FTC Fraud package, 2. Military I.D., 3. My driver 's License, 4. My Social Security Card, 5. Copy of my current apt . lease, 6. My letter of registration from XXXX Idaho car for Plates and title, 7. My social security card. 8. Copy of my XXXX ( military pay stub ). And they still say they need more Identification or that they contacted the creditors and the debt is valid, even though I am exempt from the debts on my report because I am a XXXX % XXXX Veteran. They are using delay tactics and son, please assist me. I have XXXX plus pages of information I sent them, I will try to upload them on this site if not I will send vial mail with the reference number I get at end of this complaint, plus the credit reporting agencies have the copies as well. I give you permission to have them send to you for this investigation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-08-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (NY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I sent a debt validation letter to this company on XXXX/XXXX/2015 and they ignored my request of validation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 05/20/2016 about Bank account or service (Other bank product/service) with NETSPEND CORPORATION (GA).
Issue: Using a debit or ATM card

Complaint: I used my card to order a product over the phone in XXXX 2016. In XXXX 2016 when I noticed another charge, I called the company I ordered from XXXX to advise them that I did not receive the product yet. I was told they would track it and have resent to me. That never happened so on XXXX16 I filed a dispute with Netspend to get my money refunded as XXXX was giving me the run around. I was initially told that the claim would be complete within 45 days. Netspend continues to advise me that they are working on the claim but it has been past 45 days and still no resolution. I am also getting the run around from them as well. They refuse to tell me the process or what steps they have taken to get this resolved.

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