milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-03-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Source Receivables Management LLC (IL).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Representative named XXXX called my cell phone without authorization failed properly identify right party and herself or company. The representative XXXX called my cell phone number without authorization on a predictive dialer and I incurred charges as a result. This is a violation of the FDCPA. In addition the rep failed to properly identify her self or the company or the right party. When I asked for her to provide the company name and her name she became very rude and unprofessional and terminated the call in the middle of the conversation. When I called back I asked to speak to supervisor whom was also reluctant to provide company name and his name, then he concluded by removing my phone number and ensured there would be no more calls.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-02-2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (CA).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: To whom it may concern, Thank you for taking the time to read this letter. I recently pulled my credit report and found that Citibank reported a late payment regarding an account  XXXX  ( last 4 digits ). I am requesting that my late payment notice be removed from my credit history for the circumstances explained below.
I opened a Costco Credit Card account when it was under American Express about 3 years ago. For that account, I had set up auto payments and never missed a payment. I received a letter saying that my Costco American Express account was canceled. A new Costco credit card was opened under CitiBank without my knowledge or approval. I never received a physical card or used this card. This unauthorized account then accrued bogus fees and then Citibank filled a late payment on my credit history putting a severe drop on my score ( over   XXXX   points ).
When I saw this credit card on my credit report, I called to try to cancel it several times, but was not able to. On  XX/XX/XXXX , I called two times to cancel this card. The reason I was not able to cancel it was because I didnt know the address on file. I gave the customer service representative the 4 addresses in which Ive lived for the past 10 years and none of those addresses were right. I asked the person on the phone to escalate the call to a manager and find another way to validate my account but she mentioned that that was not possible. This happened twice that day. I was unable to access my account to cancel. The woman also didnt not tell me it had late fees. I did n't know the address on file because I didnt open this account or received a record of this account to my current billing address which classified as a billing error under the Truth in Lending Act ( TILA ), Regulation Z.
On  XX/XX/XXXX , I called again to try and cancel my account, the woman on the phone actually escalated the call. I was able to access the unauthorized account, canceled it and paid the balance. As you can see my credit score has always remained in the  XXXX - XXXX  range and Ive never missed a payment until this situation. As a goodwill gesture, I made the payment of the unauthorized {$250.00} dollars on  XX/XX/XXXX . I request that you investigate this issue and remove the late payment notice on all the federal credit bureaus on my account. I filed a complaint with Citibank customer service team the number is :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX .

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 01/27/2017 about Debt collection (I do not know) with Optio Solutions, LLC (MO).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I continue to get calls from a supposed Debt Collection Agency. They never say upon calling who they are, or why they are calling. They wait until they are sure you are not going to hang up and before you verify anything with them they ask you to verify your personal information. They will not identify themselves or who/where they are calling from. Several attempts to find out WHY they are calling have failed as they will not state why or who they are without verification of your personal information first. I 've been given XXXX different names of the company, XXXX of which is Qualia Collection Services. I 've told them the person they are trying to reach is not at my phone number multiple times and have asked them to please remove my number from their list every time they have called. This has been going on for months now and they still continue to contact me, and when I answer, it is the same situation every, single, time. The only reply they will typically give as to why they are calling is for " business ''. It takes a XXXX questions just to get them to say what company they are calling with.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IL).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I signed up for XXXX when i first enroll to XXXX XXXX. one day i had a talk with the chairman of XXXX XXXX he stated that the school was going to be remove the XXXX XXXX classes. i switched from XXXX to XXXX me thinking my credits would transfer. graduated 2012 they stated they would help me find a job but never really tried to help me school closing affected me getting a job because most jobs require XXXX XXXX, non of my credits were transferable. before i enroll in XXXX XXXX they stated some credits would transfer. right now i have a hard time paying back and looking for a job where i can put my diploma in use the loans have affected my credit i cant apply for no more loans and go back to school even if i could i would have to start from the beginning due to my credits not transferring.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I contacted Transunion on XX/XX/XXXX and XX/XX/XXXX via USPS certified mail. There are four accounts listed as charge-off on my credit report which are n't mine. As listed on report : XXXX-XXXX ...., XXXX- XXXX ...., XXXX XXXX XXXX-XXXX ...., XXXX XXXX- XXXX .... Transunion has ignored my request for validation and continues to send updated credit reports with " Information on this item has been updated. Please review your report for the details. '' In my letter I specifically asked for documentation bearing my signature and I do n't consent to e-Oscar or any sort of automated verification. Again Transunion failed to comply with FCRA section 611 ( a ) ( 1 ) ( A ) and is continuing to further damage my ability to secure credit. Transunion has allowed incorrect accounts to be reported on my credit report and I want them to remove it. I do n't understand how the information is verified due to incomplete account numbers listed on my credit report. I 've had no success with the direct creditors because of this missing information. It is my understanding that no entity of the state and federal laws of reporting has the authority to retain report transfer sell utilize or else wise outdated untrue inaccurate physically unverifiable fraudulent misreported and or any not compliant allegations. I have made numerous requests for them to remove this account and they have refused.

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 11-12-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (WA).
Issue: Account opening, closing, or management

Complaint: When recently signing paperwork to open a checking account at Chase Bank, three separate banking staff members assured us, when we expressed concern at the need for a credit check, that the credit check would only be a " soft '' one and not impact our credit. 

However, upon reading the documents I signed, Chase was requiring that I permit a full credit check and/or employment check, at their discretion. 

I am wondering if there is any recourse when verbal assurances are contradicted in the printed governing document, for consumers who are not savy enough to check fine print to confirm what we 've been told, repeatedly? 

Chase should not allow their staff to assure that these checks are " soft '' pulls of an applicant 's credit. To me, this approaches a predatory practice, with deceitful verbal assurances. 

Thanks for any help you can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Debt collection (Federal student loan) with Ability Recovery Services, LLC (OH).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I attended XXXX University Online campus and I withdrew from their program but they signed me up for class that I did not know I was registered for. I received a bill for XXXX and I called them to resolve it and they said that I owed the money. Now the Account is with Ability Recovery Services and has since been included in my chapterXXXX bankruptcy. This account is listed under derogatory accounts from ARS collection agency and I want it removed immediately from my file with all three credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2015 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I disputed inaccurated information regarding credit cards that were opened from an address that i never resided. I spoke to the creditors, and was told most of the accounts were opened online or over the phone ( red flag ). Which required the person who opened these accounts in my name to not have to show proof of identity after I had a fraud alert placed on my credit. I 've listed the credit report numbers above where you 'll find the inaccurate information that I have disputed, and to no avail have been unsuccessful with getting these inaccurate items removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Debt collection (Other debt) with I.Q. DATA INTERNATIONAL, INC. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: In XXXX I was issued a final bill and paid the balance of $ XXXX dollars in a money order to the complex within the 30 days as required. I then began to receive nonstop phone calls from a collection agency, XXXX XXXX XXXX, stating I owed them a balance. This was the same dollar amount and description as the unpaid balance left with the apartment complex. <P/>After going back and forth with XXXX XXXX at The XXXX at XXXX and XXXX XXXX with XXXX XXXX XXXX I was assured this would NOT be reported and it was an error on the apartments that was now under new management. ( Please see the attached email thread ). <P/>It is now over three months since I 've contacted and tried to resolve this issue, and unfortunately this matter has still not been resolved. This was posted on my credit report a week before The XXXX at XXXX forwarded me the email thread between them, XXXX XXXX XXXX and XXXX XXXX XXXX ( please see the attached email ), and it has still not yet been removed off my credit report. I 'm demanding this be taken care of, seeing that this was not my error. The balance was paid in full and I request an immediate removal of this debt off my credit report.

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 non-monetary relief
Consumer complaint received 10/16/2015 about Credit reporting () with Experian Information Solutions Inc. (WA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX on or about XXXX/XXXX/2015 on EXPERIAN credit file. I did not authorized or give permission to anyone employed by this company to make any inquiry and view my credit report. XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus and have them remove the unauthorized and fraudulent hard inquiry immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-05-2015 about Debt collection (I do not know) with D. SCOTT CARRUTHERS (AZ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XXXX XXXX at Scott Coruthers Law Office in CA has called me numerous times about a debt we have no clue is about. Even after we have spoke he continues to call friends, family and other people I do business with saying he is XXXX XXXX from a law office and he is trying to collect a debt. I have prove of the correspondence. This cant be legal.

Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MO).
Issue: Loan servicing, payments, escrow account

Complaint: We received hail damage to our property on XXXX/XXXX/16. The mortgage holder on our property is Bank of America and we had to send all insurance checks to them for endorsement. The process of getting a check signed and returned so we could pay for repairs has been nothing short of ridiculous. All of the repairs on our home have been completed for almost three months. We have sent Bank of America all of the information ( contractor XXXX 's, receipts, etc ) they requested only to have them misplaced, forgotten, etc. We have made phone calls weekly, told our money was being sent ( weekly ) and are told something different every week. We had to take money set aside for other purposes and use to pay for repairs to our home and have still not received all of our funds from Bank of America. We have had late fees at our local lumber yard, etc. because we did n't receive our funds in a timely manner. Bank of America is still holding approximately {$1600.00} we received from insurance for depreciation. They have had this check for 6-8 weeks. I have done everything they have requested ( several times in some instances ) and do n't know what else to do. 
I have tried to resolve this issue over the phone and do not believe anything I am told at This point.

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 08/22/2016 about Debt collection (Federal student loan) with Ceannate (IN).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: On XXXX XXXX, XXXX, I received a letter notifying me that a debt was placed with their office. This letter was dated XXXX XXXX, XXXX. 
Today, XXXX XXXX, XXXX, I receive a second letter from this company stating that they have made several attempts to contact me and that I have failed to respond. In this letter, dated XXXX XXXX, XXXX, it states that any accounts that remains unpaid for 60 days after they are placed with their office are subject to garnishment or litigation. It states in the second letter that the account was placed in their office on XXXX/XXXX/XXXX. 
By the time I even received their first letter, I was already past their claimed 60-day window for legal action. I was waiting for a few more pieces of mail ( unrelated to this matter ) in order to talk to my bankruptcy attorney when I received these two letters literally a week apart from one another. The first letter does not state when the account was placed or a time window for action on their part. 
I have not received one phone call from this company and I 'm more than confident that the original creditor has my current cell phone number as I have discussed this debt with them before it went to collections and updated all of my demographic information. 
At the rate in which their adding interest and fees, I 'd never be able to pay them off. Per their letter, with a XXXX % wage garnishment, almost half of the garnishment payment would go to the fees and interest they added to the account in just the two weeks prior to that payment. This makes it impossible to even work out any sort of payment arrangements with them as my wife 's wages are currently being garnished at XXXX %, and add to that my son needing constant medical attention, I feel with their unjustifiably late letter and now the imminent threat of legal action against me, my family 's financial stability is in question and it could possibly put my son at risk due to not being able to provide for him the medical care he needs. 
In one week 's time, this company has placed an undue stress upon my family with their questionable contact tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2016 about Debt collection (I do not know) with NORTHLAND GROUP INC (DC).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: I have received multiple calls to the office of my new employer about a debt no one will provide information to be about. This is very strange because I am a new employee of my company ( 3 months ) and am not publicly listed on a home site or staff directory. I also do not use my work line for online purchases or other transactions where my information could be passed along to third parties. I have no idea how they found my office line, and when I spoke to them once on the phone they refused to tell me where the information came from. 

Additionally, I have no account or outstanding debt with XXXX XXXX XXXX, the company they claim to represent. I have logged onto their system and it shows I have no account with them. None of my " Account information '' has my current work number listed as a way to contact me, which is another reason it is strange to receive multiple calls to my work line. In their online comment section, and employee told me that nothing was showing because they had passed my debt to a collection agency -- but refused to provide me with information on what the debt is, where it came from and for how much. 

I am not sure if this is a bad debt collection practice, or they are fishing for more of my personal infomration. At this point, I have no idea what I owe, or from where, or from whom -- and yet they are calling my office multiple times a week. This is a huge embarrassment as I am a new employee and the calls go directly to the front office staff, who now think I am a financial delinquent. 

I have sent letters directly to XXXX XXXX XXXX asking them to stop calls as directed in the FDCPA. They have not responded. I have also sent a copy of that letter to their email address and faxed a copy. The calls have not stopped, and I have no idea what the alleged debt is.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/22/2018 about Payday loan, title loan, or personal loan (Personal line of credit) with U.S. BANCORP (IL).
Issue: Problem with additional add-on products or services

Complaint: I had 2 checking accounts open with US Bank XXXX, IL branch in the XXXX store. After time, the accounts were charged fees for being open ( without knowledge ) but they did notify me through mail unnoticed by me. The real issue is they opened lines of credit without my permission and transferred the monthly fees to the lines of credit. As soon as I noticed ( months later ), I talked to the branch manager and told him I wanted to close my accounts. He told me he was removing the monthly fees off my account. I agreed to pay fifty something dollars to clear the lines of credit because he said he couldn't take it all off. Months later the lines of credit had balances again. I went in to see the branch manager about 8 times to resolve the issue, called numerous times to numberous departments in us bank. Most of the customer service departments were sympathetic but said they couldn't help, but that the branch manager could help. The branch manager said that was not accurate and he had no knowledge of any way he could remove it. At one point he said I could pay a hundred something dollars to clear off and provide me with a written document stating payment in full but could not verify if it was for both accounts. The amount currently being reported each month as charged off is XXXX and XXXX. I have requested records to show I signed up for the line of credit or for some sort of overdraft I personally did and twice they have only showed me records showing the fees. I have paid all my other debts, including more than {$10000.00} in credit card debt to us bank. The negative credit is impacting me more than {$370.00} worth, but I find it too offensive to pay when it's all a fraud and poor customer service on their part.

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 06-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (ND).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint: I am nearly due to start paying back my loans so I was going to call  XXXX   XXXX  to arrange payments. The first number   XXXX   provided was a scam and the company I called pretended to be Fasfa. They got me to give them a password request change number without realizing it until it was too late. Which gave them access to much personal information besides what I had provided. As soon as I hung up I started to try and rectify the problem I Had created. I contacted the bank, fasfa, the department of education, local law enforcement,  XXXX , etc.   In total I was scammed to give up information to a company that acted as though the were fasfa only later on saying they were not a government affiliated  site.They are  going by the name  XXXX   XXXX   XXXX   XXXX   Phone:  XXXX  The attorney generals office informed me to submit a complaint here.

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