milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/23/2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have been trying since XXXX of 2015 to have this XXXX XXXX XXXX debt taken off my credit report. I first contacted portfolio Recover in XXXX via a credit company asking to have this debt removed because it was not mine. It is being reported on my credit report from this company twice for the same dept in the same amount. In XXXX I made XXXX attempts with a direct call to the company. I was told the XXXX time a Identity theft packet would be mailed to me. I received that packet, filled it out and returned it. A few weeks later after not hearing from them I called them. They said they did not get it. I was told to download one and fax it to them at XXXX. I did that twice. I call them back a XXXX later, they side that did not receive it. I faxed it again, called the next day and they still had not received it. I called them back again the following day hoping they received it but they still did not. I was told they would put it through their system again and send me out another packed to fill out an send in again. All my personal information is floating out there somewhere per there request. I am positive I will incur something negative on my report for their lack of business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2017 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (UT).
Issue: Loan servicing, payments, escrow account

Complaint: XX/XX/XXXX mortgage payment was made before XX/XX/XXXX. Caliber is reporting this payment as a 30 day late. Would like to have this removed from credit report. My husband and I have no record of 30 days in the past 10 + years.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I cosigned a private student loan for my grandson in XXXX for him to go to college. My grandson unfortunately dropped out and disappeared and I was stuck with the loan. Navient now services the loan, originally with XXXX XXXX and they have harassed me to a point where I have to take XXXX. I made my best efforts to pay until very recently I decided I could n't. Since XXXX I have applied for forebearances and/or made monthly payments. I live on fixed income, social security and a very small pension monthly. I can barely meet my necessities and have a documented budget showing my money flow. I originally was paying $ XXXX until XXXX XXXX they increased my payments to {$240.00}. I have paid this diligently until XXXX when my medical expenses have gone up and I can not afford this payment. I tried to negotiate with Navient to lower the payment but they refused. Then I gave them my to the XXXX budget on my fixed income, they told me things like, " Eat less {$200.00} for groceries is too much for a person '' ( mind you I am a senior ), they also told me, " get rid of your dog it 's too expensive '', additionally that haircuts are luxuries and most recently that they would GARNISH or TAKE my social security check. I have seen a financial counselor who assured me this is a private loan and they can not garnish my social security but Navient 's threats to me had me shaken and seriously nervous. I have since decided to stop paying the loan and sent them a cease and desist letter. Navient was robo calling me 6-8 times a day and I have it documents before the letter. The financial counselor called them with me and advised them not to call me until they received the Cease and Desist Letter. They did stop for a week. I sent the letter with a return receipt and got confirmation that Navient has received the letter. Amazingly, Navient started calling a week later, when I stated I sent a Cease and desist letter they denied they ever got it. I have my return receipt stamped by Navient stating they received it. They told me I had to email it over but I do not have email. Thankfully my financial advisor emailed it over from her email. Her contact is XXXX XXXX, from XXXX, a non-profit that is contracted by the XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2015 about Credit card () with PAYPAL HOLDINGS INC. (NY).
Issue: Unsolicited issuance of credit card

Complaint: I signed up for a Bill Me Later credit card and the company completely changed locked me out of the website then charged me late fees and sent me into collections and I could never pay the bills because I could n't log into the account when I made a payment over the phone they never recorded it to my account so I have no idea what happened to my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/22/2016 about Debt collection (I do not know) with Talbot, Adams, & Moore, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I have no recollection of this collection. Talbot, Adams & Moore / XXXX. Never signed a contract with this company. I have written them directly and received no response. Someone either from a data breach or theft of my purse has use my information to obtain all kinds of weird things. I 'm tired of trying to call when they just tell me I owe the debt and do n't care to help.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2016 about Bank account or service (Checking account) with U.S. BANCORP (TN).
Issue: Account opening, closing, or management

Complaint: US bank Acct # XXXX XXXX XXXX TN XXXX PH # XXXX XXXX US Bank XXXX TN XXXX PH # XXXX Bank Manager XXXX XXXX First of all, I 'm on XXXX. My wife died some years ago.She handled all the finances. 
That 's why it took long for me to catch it. It was actually a bank teller who told me I was paying for something I did not need. I think she had a conscience. That 's how I caught it. 
A couple of years back, US bank called me and told me I was in overdraft and should come in right away. I did n't understand why, but I went anyway. I thought I would pay a fee and be done with it. The person at the bank insisted that I needed overdraft protection. I said I had plenty of money in my savings account, and that I would transfer money from there to checking. She kept insisting that I needed overdraft protection. 
Recently I discovered I was signed up without my permission. I specifically said I did not want this. I was signed up for 21 % or XXXX dollars a month for overdraft protection.This has bee going on for quite sometime now. I 'm an old man who needs this money for medication and, well every thing to live on. Like I said, my wife handled all the finances before she died. That 's why It was so easy for them to do this to me. Like I said, if the teller had n't caught it, they would still be stealing from me. I 'm just not good at catching this stuff. When I called the bank manager, to tell her about the money taken from me all this time, she said it was all my fault for not catching it sooner. That I should have caught the 21 % on the XXXX dollars that came from nowhere, or the XXXX dollars a month. She said it was my fault for not keeping up with account. when I asked to see documentation for when this occurred, she said she did n't need it. Really! I am debt free. I have never needed over draft protection. There are people, the sick and elderly me who are easy targets because they are most likely to overdraft. I hope you can help me, but I guessing by now the Banks have gotten good at this.I just found out there charging me XXXX $ for something. Please help. XXXX Tn XXXX ph # XXXX XXXX US bank XXXX Tn. Bank manager XXXX XXXX XXXX pk 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 explanation
Consumer complaint received 03/27/2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: They call, leave no message at odd hours especially on Sunday at almost XXXX XXXX. I have sent cease communication notice through my debt management program and they harass me and my elderly parents. They know this is being handled by debt management program and I am sick of them calling me. It is " Portfolio Recovery Services. '' Total scam, even tried getting my mom 's bank information and I live XXXX miles away from my parents and have n't lived with them in over 20 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-11-2016 about Credit reporting () with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: After recently pulling my own credit report, I found that XXXX is showing I opened a credit card of {$250.00} with them in XXXX XXXX and charged off in XXXX XXXX. This is not true. It 's showing that I have a balance of {$380.00}. I want proof of this. If I did ever indeed have an account with them, I want documentation of the dates opened and charged off because I did not open or charge off any accounts during that time period.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I closed my account with XXXX. They have sent me bills in the mail that only show the total amount owed but not what the charges are for. My husband and I have attempted to call them multiple times as well as stop into the store to understand these charges. We were only hold for extremely long periods of time with no-one picking up the phone. In the last few days their collection agency ( XXXX XXXX ) contacted me and asked if there was anything they could do to help resolve this debt. I let them know that I wanted a bill noted as final that showed what the charges were for. They agreed to this and all I received from them was another bill that just showed the balance due ( not what it was for ) plus a collection charge. To make matters worse I noticed that my credit score dropped significantly this month so I pulled my credit report. I have NEVER had a late charge on my credit report in the 20+ years I have been an adult. XXXX reported my account as deliquent. I contacted our local non profit credit counseling agency and they suggested I first try to work with XXXX to get a final copy of the bill and also to get it removed from my credit report since they have not provided me with adequate information to understand the charges. I spent over 30 minutes on the phone with them and took detailed notes. They said that they would send me the bill as I requested ( " now '' ) but that once it went to their collection agency I would have to wait 7 years for the negative information to go away. I contested this verbally on the phone as I was never given the proper information to understand what the bill was for. I asked to speak to a supervisor and was put on hold. I waited a few minutes and they said they were connecting me to a supervisor now that would help me - no-one had picked up 7 minutes later when I finally gave up and hung up. I would like to understand what I need to do to get this negative information removed from my credit report. I have absolutely no problem paying a {$99.00} charge if it is valid but I have a significant problem with XXXX not providing me the information to know whether it is valid. I also have major issues with being on hold multiple times to get this information without them picking up the phone. I am hoping that you can help resolve this for me. Thank you in advance for your assistance.

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 Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MS).
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: My credit report shows an opened account with XXXX XXXX XXXX. 
Account # XXXX, opened XX/XX/2016. I have already disputed this with all three credit bureaus & the XXXX company. This is fraud. I have a fraud alert on all accounts. I need this deleted off my credit report ASAP. This account & inquiry does not belong to me & I did not authorize it. I have disputed this to Experian & it still has not been removed from my credit report. This is damaging my credit & I am demanding it to be removed ASAP.

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 10/19/2017 about Debt collection (Credit card debt) with BB&T CORPORATION (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: these people keep claiming that i opened an account with them I NEVER opened an account i never signed anything anyone can sign my name to look like forgery again its fraud and there still refusing to remove this account at this time i filed a police report as my attorney stated and im giving you guys once final opportunity to delete this account from my name before i file a lawsuit against your bank BB & T and call for a national boycott of the XXXX XXXX XXXX XXXX XXXX against your bank and there willing to do that there email is XXXXXXXXXXXX and go public on XXXX im sick and tired of your crap!

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Settlement process and costs

Complaint: Today I received a letter from Wells Fargo Stating that our house is not qualified for FHA Mortgage Insurance Removal. I contacted wells several and explain the FHA rules in regulation regarding FHA Mortgage Insurance Removal, according to Wells Fargo agent ( XXXX ) he said were not qualified of removing our FHA Mortgage Insurance, According to their letter dated XXXX XXXX, 2016 " The mortgage insurance will expire is based on the original amortization schedule at the time of closing. According to that schedule, your mortgage expiration date is XXXX ( i ca n't find in the our contract ). You must also meet the 78 percent LTV ( loan to value ) requirement. Your mortgage will reach 78 percent LTV when principal balance reaches {$490000.00}. Your current principal is {$540000.00}. Please note that new appraisal will not be taken into consideration ''. The last paragraph stated " Please note the new appraisal will not be taken into consideration, this wrong statement. According to Federal Housing administration " one of the requirement can remove the FHA mortgage insurance based on new appraisal of the property ''. Now the value of our house is approximately {$10000.00} ( XXXX XXXX and XXXX XXXX thousands ). According to Wells Fargo we are not qualified to remove the FHA mortgage insurance and the appraisal will not be taken into consideration. Wells Fargo is wrong. I have the documents that I can prove that wells fargo doing is wrong, they are not following the rules and regulations of FHA procedure.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Debt collection (I do not know) with I.C. System, Inc. (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I pulled out my credit report because I 'm trying to purchase a car, and was told that I had a collection from : I C System Acct # XXXX ( XXXX XXXX XXXX XXXX ). I have no idea what this is, and I never opened any accounts with them.

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 03-01-2017 about Student loan (Non-federal student loan) with SLM CORPORATION (WI).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I had a small Sallie Mae loan to finish my XXXX XX/XX/XXXX. I found myself filing bankruptcy in XX/XX/XXXX but continued to make my student loan payment even though I am a full time XXXX. XX/XX/XXXX I received a payment receipt for my payment to Sallie Mae. XX/XX/XXXX I also received a notice from Sallie Mae stating they have " charged off '' my account. I called on XX/XX/XXXX to inquire because I was confused. I was told that no other payments would be received on this account as of XX/XX/XXXX and they were sending back my XX/XX/XXXX payment and cancelling my recurring payment plan. I received a refund check in XX/XX/XXXX and confirmed no other payments were being sent to Sallie Mae. I am now being bullied and harassed about my overdue account. I have the letter from Sallie Mae, the receipt for payment XX/XX/XXXX and my credit report showing I was current until they sent back my XX/XX/XXXX payment. In addition to the harassment and bullying they are trying to impose excessive fees and penalties for non payment in XX/XX/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 01-12-2018 about Debt collection (I do not know) with Global Credit & Collection Corporation (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This call was from XXXX XXXX XXXX. They would not tell me what they were calling about unless I identified myself. My comment to them was " you called me, you must know my name ''. Their phone number is XXXX. My credit score is XXXX with one service and XXXX with anther. Why do you think they called me? I can answer that one - it is skip-tracing. I though that was made illegal in Texas during the last Legislative session.

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2015 about Debt collection (I do not know) with GC Services Limited Partnership (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: they call insisting need to call today call at XXXX but close at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I paid off or settled with XXXX XXXX XXXX back on XX/XX/XXXX. I made a total amount of payments for {$860.00}. XX/XX/XXXX was when they recieved my last payment and according to the letter they sent me dated XX/XX/XXXX, I have a balance of {$0.00}. I owe them nothing, {$0.00}. However, TransUnion according to them XXXX states I still owe them {$590.00} was of XX/XX/XXXX, which is inaccurate. I have already disputed this twice with TransUnion and even faxed them the letter I have directly from XXXX XXXX XXXX that my balance actually with them is {$0.00}. TransUnion and XXXX XXXX XXXX need to update my credit report accordingly to reflect the balance owed as {$0.00}.

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 01/26/2017 about Mortgage (FHA mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (SC).
Issue: Loan servicing, payments, escrow account

Complaint: RUSHMORE LOAN MANAGEMENT SERVICES IS A THIRD PARTY DEBT COLLECTOR. I Have sent them several notices asking them to cease contacting me regarding this debt. They became the servicer while, I was trying to remodify the mortgage. The Old servicer transferred assignment to them which cause the process to start all over again. When were not behind on the mortgage, but the old servicer would not accept payment while the remodification was in process. 1 year went by and they transferred the assignment to Rushmore Loan management Services LLC. Rushmore Fraudulently referred this Mortgage to XXXX XXXX XXXX XXXX XXXX to commence Foreclosure proceedings. Rushmore Claims XXXX is the note holder. XXXX has not responded to any notices, only XXXX has responded my concerns that were addressed to XXXX claiming that I do not have an account with them. See attachments for details.

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 Debt collection (I do not know) with Diversified Consultants, Inc. (MN).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: In XXXX or early XXXX I began receiving collection calls from XXXX XXXX on my cell phone number trying to collect some undisclosed amount of money from a customer named ( or similar to ) XXXX XXXX ( sp? ). 

At the time of recieving the calls I informed them that no one by that name was at this number, nor had been at this number for the 12 years that I owned this number. The calls continued. After several more calls I called XXXX XXXX and spoke to a " manager '' who assured me the number would be removed fromthe accouint. The collection calls continued and I actually changed my voicemail greeting to REMIND XXXX that XXXX XXXX had never been at this number and to stop calling. 

In XXXX of XXXX I contacted the XXXX XXXX XXXX who opened dialog with XXXX XXXX. After filing this complaint I received a call from XXXX XXXX XXXX ofice who assured me that I would receive no further calls on this matter and that references to my number would be removed from the file. I thought at that time that the matter was resolved and for almost two years that seemed to be the case. However, on XXXX XXXX I AGAIN began receiving calls from " Diversified Consultants '' a contracted debt collector for XXXX XXXX, AGAIN trying to collect on this debt from XXXX XXXX ( sp? ) This is NOT a debt I owe. 
XXXX XXXX has never been at this number AND XXXX XXXX has been made aware of this repeatedly. 
I can not possibly provide them ANY infomation about XXXX XXXX since I have NO CLUE AS TO WHO HE IS. 
XXXX XXXX has already acknowledged my previous complaint and promised to stop harassing me to collect a debt that I have no responsibility for, however this harassment is now recurring.

Company response to consumer: Closed with explanation