milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/14/2015 about Debt collection (Medical) with NRA Group, LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: National Recovery AgencyXXXX. XXXX XXXX, PA XXXXDear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify NATIONAL RECOVERY Account Number : XXXX NATIONAL RECOVERY Account Number : XXXX NATIONAL RECOVERY Account Number : XXXX NATIONAL RECOVERY Account Number : XXXX NATIONAL RECOVERY Account Number : XXXX NATIONAL RECOVERY Account Number : XXXX NATIONAL RECOVERY Account Number : XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to XXXX of XXXX. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators reportPlease send me a letter explaining what you have done to : NATIONAL RECOVERY or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I requestThank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXXXXXX XXXX XXXX XXXX, XXXX, NY 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 09/14/2017 about Debt collection (Other debt) with Vinci Law Office, LLC (CO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I just received a phone call from XXXX XXXX XXXX in XXXX, Colorado. They are attempting to collect on a debt I do not owe and are also contacting me after I told them not to contact me because I have proof I do not owe the debt. 

They called me on XXXX/XXXX/XXXX at XXXX. The number they called from is XXXX. They asked to speak to me using a name I used in childhood that is not my legal name. When I asked what it was about, they said they were from XXXX XXXX XXXX, who I have filed a claim against before, and asked for my social security number. I told them I knew what it was about, I know I do n't owe the so-called debt and have proof and I was n't going to give them my social security number because I know my rights and I do n't have to. The person on the phone then pretended like he could n't hear me and hung up. 

I immediately called back and spoke to a XXXX. I told them this is the second time this happened, I know I do n't owe this debt, I do not want to get calls from them anymore, and it 's unacceptable that I was treated this way AGAIN by XXXX of their employees when I refused to give my social security number. I also informed them I would be filing a complaint, again, because this is unacceptable. They promised to remove me from their system and claimed they had no idea how I got re-activated in the first place. 

This is officially bordering harassment as meets the legal definition and I want them to stop attempting to collect on a debt that is not owed, stop trying to force my social security number out of me ( scammy! ), and stop contacting me all together.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XX/XX/2017 I noticed on my credit report there is an outstanding debt from XXXX for {$140.00}. I never had an account with XXXX. The collection agency had reported this to the credit bureau. I would like to get this removed from credit report. They referred to an account # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2017 about Mortgage (Other type of mortgage) with BAYVIEW LOAN SERVICING, LLC (MD).
Issue: Struggling to pay mortgage

Complaint: As a follow-up to Complaint Filed on XX/XX/XXXX ( Reference Complaint # XXXX ) I received an update from XXXX XXXX XXXX Asset Manager assigned to my loan that my request for a Streamline was denied because of prior modifications. He asked that I complete a Loan Modification and stated that it will also be denied as well since I was given modifications in the past.

Sadly, my situation is a unique one with the XXXX XXXX XXXX XXXX  to XXXX XXXX, then a divorce that just occurred onXX/XX/XXXX. It has been an uphill battle for me and my XXXX young impressionable children. Here 's my ask if a request will be submitted to XXXX XXXX - the investor for consideration of a repayment then why can not my initial denial suffice why is Bayview requesting for me to complete a loan modification package fully knowing that it would take an inordinate process to go through approval only to be denied anyway and dragging out the inevitable of submitting my hardship directly to the investor XXXX XXXX. I ask that you intervene and help me I need the stability for my children. While I know we all have circumstances these circumstances were unfortunate and out of my control. I would have loved to wave a magic wand and have them go away. I did not want a divorce and more importantly I did not want my young daughter to XXXX either. It is not what anyone of us want for our life. I beg that you help me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2017 about Bank account or service (Savings account) with GOLDMAN SACHS BANK USA (CA).
Issue: Deposits and withdrawals

Complaint: I have over {$250000.00} Goldman Sachs Bank Saving Account. This account was blocked due to a divorce case and waiting for settlement. Now the case is ended and the court ruled out this account belongs to me. I sent this CERTIFIED JUDGMENT ON XXXX ISSUES to : GOLDMAN SACHS BANK XXXX XXXX. XXXX XXXX XXXX XXXX XXXX As per Goldman Sachs Bank requested, I sent the original certified court order and it was delivered on XXXX. I called them on XXXX and spoke with XXXX of their associate. She told me it takes up to 7 days to process. The next day, I call them again. This time I spoke with the manager, XXXX XXXX. He stated it takes up to 30 days to process. I told him XXXX XXXX and XXXX at the local branches here ( XXXX ) take only 2 hours for their corporate legal department to unblock an account. Why Goldman Sachs Bank takes that long? I suspect Goldman Sachs Bank uses my money for trading and the funds are not available to pay me back. 
I guess next month if I call them, they will tell me it takes another 30 days and so forth ... 
I am unemployed since XXXX XXXX, XXXX. I need money to pay back to my relatives whom I borrowed money from. I need money to pay my rent ( I live in a mobile home park ), property taxes, and foods for my family and I need to use the money to invest in XXXX just in case an economy crisis or inflation. 
Best Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Billing disputes

Complaint: I was contacted by XXXX in XX/XX/XXXX asking us to sell our timeshare because they had a buyer. All we had to do was send {$2800.00} for title search. He said it would take approximately 3 weeks. I did n't hear from them [ after they got my credit card # ], so i called them in XX/XX/XXXX, they said the title search was taking longer than expected. On XX/XX/XXXX i called and was told buyers had untill XX/XX/XXXX to sign purchase agreements. On XX/XX/XXXX i called and was told purchasers were going after lower interest rates and that their finances are fine, but requires more paper work. They told me the buyers had until XX/XX/XXXX to close, so call back on XX/XX/XXXX. I called daily from XX/XX/XXXX through XX/XX/XXXX and all i could get was an answering machine or recording saying the message box is full. Once they had my credit card #, they never called me back. They did have an add to sell the timeshare on their website, but all the phone # were disconnected. So if you were interested in buying, you could n't contact anyone to purchase. This company was a scam, the owner XXXX is currently in jail for having done this to more than XXXX people. I called capital one to make them aware and dispute the charges well within the allotted time frame. I sent them documentation of a cease and desist order against premier timeshare solutions by Attorney General XXXX of North Dakota on XX/XX/XXXX due to consumer complaints, a tv expose by XXXX exposing this company as the crooks they are, and a copy of complaint XXXX full of peoples stories of being scammed by these con artists. These documents, along with previous letters from us stating and listing all the disconnected/out of service phone # s for XXXX [ how can they " market '' our property with diconnected phone # s for " interested buyers '' on their bogus website ] were sent and received before the requested deadline of XX/XX/XXXX. Not to mention an F rating by the BBB. I told them not to pay and i would n't pay. Capital one sided with the scammer. They sent a lawyer after me, XXXX, and when i sent them the documentation they backed off and told me they were sending it back to capital one and try to work it out with them and provided a phone # which i could n't get through. I have called capital one numerous times to try and resolve this. Basically i get nowhere, tell my story to someone on the other side of the planet, get put on hold and go round and round. I am currently trying to get a mortgage and this has screwed up my credit report, the gift that keeps on giving. They have charged off every month for the last 6 plus years. This is the only thing that comes against me, all my bills are paid on time. Capital one should not have paid this con artist, i gave them plenty of evidence backing my claim, XXXX is in jail for this crime and capital one refuses to admit their error and not punish me for their mistake, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Sierra Holdings LLC (MO).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have inquires on my report inwhich I have No knowledge of all these inquires occurred on XX/XX/2017 XX/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX   XXXX   XXXX  -  XX/XX/XXXX - I have contacted the company and credit bureau and both failed to release this fraudulent inquiry.
  XXXX   XXXX  - XX/XX/XXXX  - I have contacted the company and credit bureau and both failed to release this fraudulent inquiry.
  XXXX   XXXX   XXXX   XXXX  - XX/XX/XXXX -I have contacted the company and credit bureau and both failed to release this fraudulent inquiry.
  XXXX   XXXX   XXXX  - XX/XX/XXXX -I have contacted the company and credit bureau and both failed to release this fraudulent inquiry.
  XXXX   XXXX  - XX/XX/XXXX -I have contacted the company and credit bureau and both failed to release this fraudulent inquiry.
  XXXX   XXXX  - XX/XX/XXXX -I have contacted the company and credit bureau and both failed to release this fraudulent inquiry.   XXXX   XXXX   XXXX  - XX/XX/XXXX -I have contacted the company and credit bureau and both failed to release this fraudulent inquiry.
  XXXX   XXXX   XXXX   XX/XX/XXXX -I have contacted the company and credit bureau and both failed to release this fraudulent inquiry.
 XXXX - XX/XX/XXXX  XX/XX/XXXX , XX/XX/XXXX -I have contacted the company and credit bureau and both failed to release this fraudulent inquiry.
  XXXX   XXXX   XXXX   XX/XX/XXXX -I have contacted the company and credit bureau and both failed to release this fraudulent inquiry.
  XXXX   XXXX   XXXX  - XX/XX/XXXX , XX/XX/XXXX , XX/XX/XXXX -I have contacted the company and credit bureau and both failed to release this fraudulent inquiry.

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 08-02-2015 about Credit card () with CITIBANK, N.A. (AZ).
Issue: Billing disputes

Complaint: I obtained a quote for moving services XX/XX/2015 and accepted the vendor. I never received an invoice yest was billed two times at rates not in the quote. Once for {$450.00} and once for {$90.00}. This total was well over the quoted price for service. 
I contacted this CC and filed a complaint. The CC issued me a notice of PERMANENT reversal of the charges. Now the CC placed the charges back on my account after the PERMANENT reversal notifications over a month ago. I also contacted the moving company but there has been no reply.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 07-04-2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (GA).
Issue: Loan servicing, payments, escrow account

Complaint: I submitted a mortgage payment with an additional payment for principal. My payment coupon clearly stated where the payment should be applied. The mortgage company applied this additional payment toward property inspections fees they are saying I owe. I spoke to the mortgage company and they stated they would apply the additional payment to the principal but, they have failed to so.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX addresses are here the I 've never lived in the areas

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2017 about Student loan (Private student loan) with NELNET, INC. (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: XXXX ( a Nelnet company ) is misrepresenting interest and principal balances on my student loans. The loans date back to XXXX and have significant accrued interest. XXXX, the original lender, sold the loans to XXXX in XXXX XXXX. My student loan interest expense was misstated for the XXXX tax year. I contacted XXXX immediately, but the issue remains unresolved despite several attempts on my part to get a resolution ... most recently through CFPB. For reference, my final XXXX statement shows that as of XXXX XXXX of XXXX loan balance on my account, XXXX was principal and the remainder interest. In our most recent exchange through this website, Nelnet has refused to acknowledge the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (TX).
Issue: Account opening, closing, or management

Complaint: On XXXX/XXXX/2015 my finance visited a Wells Fargo Branch located at XXXX XXXX, XXXX, TX XXXX to resolve an ongoing issue we have had with our business checking account. XXXX XXXX the account representative finally fixed the issue she created and began asking my finance if he wanted a Wells Fargo Business Savings account. She had him sign a form and pulled his credit with he was unaware of because he did n't read the fine print. I receive credit monitoring and the following day I received an alert indicating that my credit was pulled by Wells Fargo. I called the branch on Monday and spoke with the manager into order to advise him of the situation, he was very hostile and began ranting that his employees would never run a person 's credit without their permission. I gave him the employees name and he told me he would like into the matter. I received a call from XXXX XXXX several moments later profusely apologizing about the situation. I asked her why she pulled my credit without my permission and she indicated she was not aware of Wells Fargo running " hard pull inquires '' on business savings accounts. She said I would receive a letter stating that it was a mistake and it would be removed from my credit report. Since that date I have received the run around from their credit bureau department as well as XXXX. I want this inquiry removed from my XXXX report. Prior to the incident at hand I never had a conversation with this woman nor did I sign anything giving her permission to pull my credit

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AZ).
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: I pulled my credit report XX/XX/XXXX and saw that this collection agency XXXX XXXX was showing up as a collection and that I owe them a debt for {$990.00}. I sent them a certified letter with a return receipt to verify the debt with my signed signature. They sent me a letter back dated XX/XX/XXXX and it was great news that they had concluded its investigation of my dispute and are closing both accounts since I had 2 accounts with them and they are requesting that the three major credit agencies delete XXXX trade lines from these account on your credit reports. Shortly after that I got an update credit report showing they were both deleted but only off of 1 of the 3 XXXX, the other 2 Experian and XXXX only removed 1 and are still showing the other one. I sent them both a certified letter that I had received from the company again requesting that the second account be deleted also.They still have not removed it. I sent another certified letter again with no result so that's why I'm here. I got an alert that something new was on my credit report so I pulled my credit report today XX/XX/XXXX and my reports says a new collection has been added to my reports, again only on Experian and XXXX not XXXX so instead of deleting it they makes it appears to be a new account and my scores dropped by 49 points which is major and drastically. I am going to report this action to Attorney General and the XXXX XXXX XXXX today to see if can get this off of all my credit reports. This needs to be resolved immediately as this is majorly affecting my credit scores.

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 02-11-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Navient gave me a hard time verifying the school saying that I should verify, my repayments has been lies they always say they never receive my information when I submit it

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2016 about Debt collection (I do not know) with Applied Business Services, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: letters and phone calls with no verification

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2017 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CT).
Issue: Credit line increase/decrease

Complaint: I placed {$1200.00} in my Bank of America credit card account. Bank of America reduced my credit limit by {$1000.00} and took {$1000.00} of the {$1200.00} fr from my account. The {$1200.00} was an attempt to lower the admittedly high balance and to begin resurrecting my credit. Not only is appropriating the funds unfair but it serves to further unsettle my credit standing. Furthermore, I am in fear that BOA may take money from checking account. I can not even close the account without realizing further credit penalties ( BOA is my longest opened account ). Finally, the credit report used was based upon inaccurate information. However, if it were accurate, lowering the credit limit and then appropriating funds can not be an ethical - even if legal - practice. Please return the {$1000.00}. 
I do not care if the credit limit is lowered ( in fact, that would mean smaller monthly payments ). I am employed ( XXXX ) and I receive social security. I work hard to maintain my credit. This action only serves to undermine my financial health and efforts to demonstrate credit worthiness. Please help.

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 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: have been repaying my loans without much of the balance coming down, have also during the life of the loans attempted to get forbearance with declinations, have had interest charges and raises n my account it appears to be as my balances continue to grow even tho I am making all the proper payments. I believe there is some fraudulent activity going on with Navient

Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2016 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have repeatedly stated that this is NOT my debt yet I have not been provided any information as to why they think it is mine. This is in connection with a debt for a " XXXX XXXX XXXX ''. I have never gone to an XXXX since living in XXXX. This is NOT my debt. I am asking for the last time that I be provided information / signature, SOMETHING that makes them think this is mine. I am prepared to file this with an attorney and sue for damages as well. I need to hear a resolution back by XXXX XXXX, 2016.

Company response to consumer: Closed with explanation