milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/16/2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (WI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Continue to receive debt collection calls from Portfolio Recovery Service. I do not have any debts, nor have I ever. All times Central. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX????? XXXX XXXX????? XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 03/29/2017 about Bank account or service (Other bank product/service) with PNC Bank N.A. (PA).
Issue: Deposits and withdrawals

Complaint: Someone cashed fraudulent checks against my account in the total of {$9500.00}, XXXX for {$4700.00} and {$4800.00} ( Money Market Account ). On Friday XXXX, 2017, I received a call from the Michigan PNC bank stating that they believe there was fraud on my account. I terminated the call because they asked me for personal information and I did n't want to give it to them. I visited my bank on the same day PNC XXXX spoke to XXXX and told them I wanted to check my account because I was concerned about fraud. XXXX checked my account and said there was no activity and said there was nothing to be done. Over the weekend I checked my account XXXX, 2017 and saw there was a withdrawal for these checks, for XXXX. Called and went into my branch and the money had been pulled from my account. The bank put notes in their system and told me that someone would call and investigate the account and advised a XXXX would be assigned. They later assigned XXXX. They did not take anything in writing but took everything down and started dispute XXXX 2017. After the bank delayed I decided to put my dispute in writing and submitted an ID Theft Affidavit. They scanned it and said it was n't needed. However, they have never gotten back to me and now it has been almost 30 days and they have delayed getting back to me. I 'm concerned that this has n't been resolved and that the bank did n't close my account on the XXXX when I suspected the fraud. I understand that as a consumer I have a right to have fraudulent funds reversed if I report it in a timely fashion. I did not authorize this.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit Bureau Services Association (OK).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I moved out of a rent home before my lease was up. My lease was up in XXXX and I moved in XXXX. I paid my rent for the month of XXXX in full I also paid XXXX dollars for a re-letting fee. The property manager had someone in the house at the end of XXXX and he is charging me for XXXX, XXXX and XXXX rent. I have asked him several times to adjust some things that is false and he not do it. I have been to XXXX and talked to XXXX lawyers and they requested pictures and justification for the prices and bill for work performed at the resident. XXXX nor I have received any of the items requested.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: APR or interest rate

Complaint: I had a Kohls charge card account. I called them in XX/XX/XXXX to ask them what my balance was so I could pay it off in full as I was going to be working abroad for a few months. I paid off the amount they provided to me, but turns out while I was away, there was an unpaid balance of {$20.00} which with interest and all had gotten to XXXX . I tried to explain the situation and also requested transcripts of the call which I had to show that they had assured me that there was no balance but they refused to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2017 about Debt collection (I do not know) with American Financial Credit Services, Inc. (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On    XX/XX/XXXX   , I sen t American Financial Services  a letter and requested that they provide me a validation of debt, on this unknown account as per instructions from  XXXX  's dispute results letter dated   XXXX   XXXX    2017 I asked for proof that I am indeed the party they are asking to pa y this debt, the date of the alleged medical service, the name of the patient and that there is some contractual obligation which is binding on me to pay this debt.     I received a letter from  American Financial  dated   XX/XX/XXXX .  Their version of verifying this debt was a  one page  sheet as you can see, with the words *Validation of Debt Notice*. A client account number and a total balance. Telling me to contact the hospital directly.     If you received a notice like this in the mail, with just an amount due, would you pay it or would you question it? I 'm questioning it.     IF this account was mine, I most likely had insurance at the time and the insurance wouldve covered the charges. This account most likely also would be obsolete.     They way that I  see it, American Financial can  not furnish the requested information to me because if they do n't have it.

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Application, originator, mortgage broker

Complaint: chase XXXX i do n't remember ever having this card, I have a XXXX card and use it all the time but I do n't have a clue what this is.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2016 about Student loan (Non-federal student loan) with Genesis Lending (FL).
Issue: Getting a loan
Sub-issue: Qualify for a better loan than offered

Complaint: I attended XXXX campus in XXXX XXXX to XXXX XXXX in the XXXX degree. I was forced to open a private student loan through the campuses financial company. They called it a Genesis loan. The loan amount was for XXXX. It was to cover the difference of tuition that my federal student loans did not cover. I currently have XXXX in federal loans due to this school that was found to have fraudulent financial practices such as inflating tuition and making students take out these private loans. I need help in forgiving this loan due to the fraudulent financial practices of my school.

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 04-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On XX/XX/XXXX, an account with Citibank was sold to a third party company named XXXX XXXX XXXX Account was settle with XXXX XXXX, PAID IN FULL. {$640.00} was the amount paid to settle this account. Citibank is still reporting this account as chargeoff/collections account. I have tried contacting Citibank, who in turn, gives me the run around and different other companies to call. My recent call was on XX/XX/XXXX and once again, I was given the run around, transferred from one department to the next, back to the previous department and so on. I went so far as to contact XXXX XXXX XXXX again in regards to the status of this account. I take great value in my credit and have made my mistakes. I would just like this situation cleared up. I am waiting on a company of the Paid in Full letter to be resent to me.

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 01-05-2016 about Debt collection (Credit card) with Weltman, Weinberg & Reis Co., L.P.A. (OH).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I received a letter by mail on XXXX XXXX 2015, stating that I owed XXXX XXXX. I do n't know why it went into collections, since I was making payments to XXXX. After I read the letter saying that my payments were to be XXXX dollars a month I concurred. I started making payments immediately. I paid XXXX dollars in XX/XX/XXXX, XXXX in XX/XX/XXXX, XXXX in XX/XX/XXXX, XXXX in XX/XX/XXXX and XXXX in XX/XX/XXXX. Then I get a call from WWR Law firm stating that my bank account had insufficient funds, which is not true I replied. They said that they spoke with the banks representitive and when I asked them if they have a confirmation number from that bank they said yes and read a false confirmation number because the number was from my receipt of payment that I had made to them. We hung up and I called my bank and asked them if they got a call from WWR law firm and they said that there was no record of them in the system for calling. I told the bank what the law firm said and they said that I do have sufficient funds for the payments I made, but that there is no record of a charge on my account. When I tried calling the law firm back they did n't pick up the phone and I did call several times that day. I then filed a complaint with the FTC. Then i received XXXX letters from WWR Law firm stating to pay the full balance of XXXX. So then I thougt oh they took out at least XXXX from my account. But when i checked they did not. So I went to the website " wwrepay.com '' to make a payment, but the website gave me a different amount XXXX I need help. I want to pay my debts but this law firm is making it very difficult as they are lying to me. I am a very honest person and respect the law., but This firm seems to be a little dishonest.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2016 about Debt collection (Credit card) with Midwest Recovery Systems (NY).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Midwest Recovery Systems altered date that a charge-off was entered by 9 yrs. Charge-off was removed from my credit report almost 2 yrs ago. Midwest Recovery Systems changed date of last payment in order to put debt on credit report .Then offered to remove if I agree to a settlement. Resulted in almost a XXXX point drop in credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with GENERAL MOTORS FINANCIAL COMPANY, INC. (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I purchased a XXXX XXXX XX/XX/XXXX and due to mechanical issues that car had to be turned back to the dealer to give me a new vehicle. It took 30 days for this to happen. Without my knowledge and being present the dealership ran my credit a second time on XX/XX/XXXX. I brought this to the dealership 's attention and they have removed their double inquiry from my credit report from XX/XX/XXXX but GM Financial has not. I did obtain a letter from the dealership regarding this issue but nothing has been done to remove this hard inquiry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-01-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (TX).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: My account was hacked into and Chase bank refunded my amount then they got back to me saying I was not liable for any fraud. About a month later I see Chase Bank took Money from my account contacted them and they stated to me that i was responsible to pay amounts for fraud due to a chip being used i was a victim of identity theft. Chase Bank has not reached out to me then my account became negative due to them taking money out my account. I had to change my account number 2 x and still i called and the customer service department clearly told me we are not refunding money back to you I spoke to managers who told me they made a mistake in refunding money back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2017 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (PR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: All my debts were included in my bankruptcy Inalready sent all the information to stop collection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/15/2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX is reporting a charge of {$120.00} on my Equifax credit report showing open still.They have not reported this charge since XX/XX/2016 and they informed me that they would close the account but it still shows open on my Equifax report.Their address is mentioned below : XXXX, NY XXXX Telephone No : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (TN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On XX/XX/XXXX, I pulled a copy of my XXXX credit report. Accordingly, there are two Capital One Revolving credit accounts listed. However, under each tradeline, Capital One reported my accounts as " 30-day ( s ) late '' from XX/XX/XXXX until XX/XX/XXXX. However, I 've been in an active Chapter XXXX bankruptcy since XX/XX/XXXX. Accordingly, I can not have been late on the Capital One unsecured debt ( s ) since they were included in Chapter XXXX automatic stay from XX/XX/XXXX until XX/XX/XXXX. Also, Capital One is violating the FCRA Direct Dispute provisions and violating the Dodd-Frank Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX account Loan # XXXX Showing on my credit report as being late payments incorrectly. XXXX made errors when adding my bank account for automatic payments and accepted fault. They 're negatively reporting on an account that is current.

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 05/30/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (DE).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I allowed XXXX XXXX XXXX to work with Fed Loans for an income dependent repayment plan. I sent payments ( {$620.00} ) to them every month until I found out that I could make the same arrangements with Fed Loans directly. At this point, Affordable Life did not forward my payments to Fed Loan, because I did not allow permission for them to access my Fed Loan account. Affordable Life told me that if I did not work through them, I would have to pay {$1900.00} a month. At this point, I sent my tax returns ( 2014 ) and filed for another IDR. I did not hear back from Affordable Life and in the meantime Fed Loans reports 120 days late payments to the credit bureaus. I would like this negative and false reports removed from all three credit bureaus.

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 TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: HI, My name is XXXX XXXX I pulled my credit profile only to discover that the bureaus is reporting inaccurate information on my credit report. I have inform them that I 've been a victim of identify theft. On my credit profile it list that my Date Of Birth XX/XX/XXXX, when my Date Of Birth is XX/XX/XXXX. I have submit several dispute on the behalf and yet they still reporting these anonymous accounts listed below : XXXX XXXX XXXX Balance {$560.00} Medical XXXX Balance {$350.00} XXXX XXXX XXXX Balance {$760.00} please update and remove all items listed above

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 08-03-2017 about Debt collection (Medical debt) with Retrieval-Masters Creditors Bureau, Inc. (VA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: My wife is XXXX, we are new to this country. we had medical insurance XXXX, initially we have found a doctor XXXX had a visit a doctor XXXX XXXX. We got to know that the doctor XXXX XXXX is not in our network, after understanding of the insurance, we found a doctor XXXX XXXX who is in the network. XXXX XXXX office ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ) has given appointment on XX/XX/XXXX we went to doctor 's office XXXX XXXX, office located in 3 floor, elevator was not functioning. After we visit doctor XXXX XXXX, she asked us to submit the previous ( XXXX XXXX ) medical documents, which we do not have at that time.She told us she could not give medical treatment with out having proper medical documents. She has done XXXX XXXX ( some very old equipment ) and XXXX XXXX XXXX and asked me to get the medical documents as soon as possible, since they have contacted Doctor XXXX XXXX 's office they did not get any response. Keeping all that in mind I found another doctor, and made phone calls and emails, I could not bring medical documents, hence asked to cancel next appointment and stop doing all further process if any. OnXX/XX/XXXX to my wife 's phone number, Collections agency made phone call and asking us to pay around {$1200.00}, we have not received any service except some XXXX XXXX that was not even clear. This seems to be annoying and bad, now the collection agency XXXX XXXX XXXX XXXX   threatening my wife to pay otherwise serious consequences. * I have all my email conversations as a proof.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2016 about Debt collection (Auto) with TOYOTA MOTOR CREDIT CORPORATION (NJ).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Toyota Financial Services called my workplace and spoke to my co-worker and told him she was allowed to call me at work and that she was calling because I was behind on my payments on my car. The Representative 's name was XXXX and ID is XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/20/2016 about Mortgage (Other mortgage) with EQUIFAX, INC. (NV).
Issue: Application, originator, mortgage broker

Complaint: Equifax has failed to honor the 45 day rule for mortgage inquiries. I have been shopping around for a mortgage since XX/XX/2016 and instead of them counting each mortgage inquiry as XXXX inquiry, they have counted each inquiry separately and have reduced my credit score significantly with each one. Their online dispute for inquiries only offer XXXX options which are fraudulent inquiry or did not authorize inquiry of which neither applies. Writing them is a waste of time because no human reads the letters or documented proof and instead an automated system is used which always verifies inaccurate information as correct regardless of what proof you have or if its inaccurate. I have written many times and provided proof of unauthorized inquiry by actual creditor and they sent the same response each time claiming it is verified as accurate. I want my credit score points restored since they have counted each mortgage inquiry separately and lowered my score 3 times and it should only be XXXX inquiry. The mortgage inquiries are within the 45 day window yet Equifax is not going by the rule.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2018 about Debt collection (Other debt) with Hunter Warfield, Inc. (MI).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This company is not licensed to collect debt in Michigan. The companys name is Hunter Warfield. 
Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX Amount : {$4600.00} This company is attempting to collect a debt that is not owed to them. I never signed any agreement with this creditor. They called me multiple times & harassed me to the point where I had to change my telephone number. This company is also reporting on my credit bureau reports. I attempted to have the debt validated and the company was unable to validate it with a signature page.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2015 about Debt collection (Payday loan) with Oracle Financial Group LLC. (WA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I was contacted by XXXX XXXX, who identified himself as the Lead Investigator for Oracle Financial Group on XXXX XXXX, 2015 at XXXX XXXX PST. In the voice mail that was left on my cell phone, this gentleman divulged private information, including my social security number and stated that a lawsuit had been filed. Minutes later, he called me at work and left a voicemail stating that I have 5 days to call him or that legal action would be taken. To date, I have not received anything in writing from this collection agency.

Company response to consumer: Closed
Consumer complaint received 10-02-2015 about Credit card () with CITIBANK, N.A. (GA).
Issue: Payoff process

Complaint: A check was mailed to pay off my Macy 's account in full on XXXX XXXX, 2015, and to this day Macy 's still has not applied my payment to my account. Macy 's cashed the check, but refuses to apply the funds to my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 05/23/2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Equifax keeps reporting debt from XXXX XXXX XXXX for {$180.00} this debt is past the statute of limitations. Seven Years

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Equifax has my credit file with their consumer relations department. The past 2 years I have not been able to access my report or score online. I have spoken with them on numerous occasions. I have yet been given a reason for this. So what that boils down to, whenever I need my report their is a charge. I ca n't even access it on XXXX. This makes it extremely difficult to monitor my report. Please help

Company response to consumer: Closed with non-monetary relief