milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/25/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AE).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: My credit was used for someone in a country where I do not live to obtain a cell phone and service contract. I received an email today welcoming me to XXXX which prompted me to contact the company with the phone number, account number and billing date to find out why I received the email. After three phone calls, XXXX service reps and about 2.5 hours of waiting and talking, I learned someone walked into a XXXX store and opened an account using my maiden name. The company claims that XXXX forms of identification, matching signature and a credit check are required to open an account. One agent claimed the account must be opened in person, while one said the account could be opened over the phone and no one could confirm how the account was actually opened. I am awaiting a return call from the fraud dispute center at XXXX within the next two days, but in the meantime the rep stated they would not provide any further information to me regarding the account because I could not pass the security identification for access to the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2018 about Debt collection (Medical debt) with Med-1 Solutions, LLC (IN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: There is a current bill for XXXX XXXX for a visit on XX/XX/2017. XXXX had active insurance through XXXX at this time so I'm unsure as to why I am receiving a bill for these services and furthermore why the bill was added to my credit report as a collection account. I've reached out several times to have this investigated and there is no outcome.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2016 about Debt collection (Federal student loan) with Ceannate (WA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have been trying in earnest for over a year to set up a repayment plan I can afford for my student loan. I was finally put in touch with FMS to set up what they call a loan rehab agreement. FMS requires extensive documentation to make these arrangements ; I understand this need, and I do not have a problem with that requirement. However, I have now supplied every document they have asked for four times over a two month period. I have supplied the correct documents with the correct data ; they have acknowledged that I am eligible for the program ; I have begin making payments to them over two months ago, but they continue to contact me requesting the same documents over and over. And although I have been and continue to make payments to them, they continue to call and email me asking for the same documentation and telling me I am still not " officially '' rehabbing my loan even thought they are collecting payments every month. Today I sent them yet again every document they have asked for. I wonder if they are losing my documentation which contains highly sensitive personal information, and I wonder if they just continue to stretch this out to increase their fees. 
Why would the Federal Government enlist such an incompetent or unscrupulous company to act on their behalf?

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2017 about Debt collection (I do not know) with The CBE Group, Inc. (OK).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have been receiving several phone calls over the last two weeks, or so, by an agency that refuses to identify themselves or the purpose of the phone call. I 've answered or returned the phone call on every occasion that they have attempted to contacted me. Today marks roughly the 4th or 5th time they have tried to make contact with me. 

Each time the conversation starts by giving a disclosure that the phone call may be recorded. They ask for me by name and once I confirm that it is in fact who they are speaking with, they proceed into verifying my personal identifiable information. At this point, I always ask who I am speaking with, what the matter is regarding and what the reason for the phone call is. Every time I ask these questions, they respond that it 's concerning a personal matter and that they can only talk to me once they have done their identification process. I have told them every single time they call that I would be happy to confirm my identity if they can answer simple questions about the purpose of the phone call. 

The first few times, they attempted to verify an address that is very dated. The second time they attempted to verify information with my date of birth. The last few times they have attempted to verify me with the last four numbers of my social security number. In any case, they are pushy, persistent and are progressively more rude with each phone call. The last conversation that took place today ( XXXX/XXXX/XXXX ) I told them to stop calling me because I had no business with them if they ca n't tell me who they are. The representative finally identified herself as being part of the CBE Group. I did a quick XXXX search while on the phone and I told them that I had no business with them unless they can identify the reason why they are contacting me. Representative was rude and said that she was trying to resolve a personal matter that relates to me. Vague as it is, I refuse to confirm my identity with someone that ca n't even identify what they are calling about.

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2017 about Credit reporting () with COMMUNITY CHOICE FINANCIAL, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Hi, my identity was stolen when someone broke into my car and stole my wallet around XXXX of 2016. Since then new accounts have been opened, not paid and placed in collections. I did place a fraud alert on my credit during that time which was only good for 90 days. I have reported and disputed this to the company and have not heard back. When I tried to pull my credit report, their were questions that were never related to me and I am worried. Please get back to me soon.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2017 about Prepaid card (General purpose card) with NETSPEND CORPORATION (FL).
Issue: Unauthorized transactions/trans. issues

Complaint: On XX/XX/2017 a transaction was processed from my prepaid account in the amount of {$100.00} from XXXX. First and foremost XXXX should not have debited the account because I cancelled the scheduled payment however they were able to process the payment on a card that a fraud agent with Net Spend told me would be deactivated. Since I have contacted Net Spend several times to have the money put back in my account because it does not take a rocket scientist to see that with notes a fraud agent with their company told me the card would be deactivated and it was not. Therefore there should not be any question about the transaction because Net Spend 's risk management department informed me that once I activated my new card my old would be deactivated and no charges from that old card should take place. Taking 10 to 45 days to clear a dispute which was clearly their fault in not deactivating the card as I was told caused this transaction to go through.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2016 about Debt collection (I do not know) with Harris & Harris, Ltd. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have a collection account on my credit report listed as Harris & Harris # XXXX. On XXXX XXXX, XXXX I mailed a debt validation letter to Harris & Harris requesting validation of the alleged debt per the Texas XXXX. As of XXXX XXXX, XXXX I have not received any type of validation or response from Harris & Harris, however they are continuing to report this account to the credit bureaus which is considered a collection activity. I have no knowledge of this debt and have received no communication from Harris & Harris at any point.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: XX/XX/XXXX, I took out a {$10000.00} PLUS loan ( serviced by Nelnet ) for my son 's college education at XXXX University in XXXX, WA. XX/XX/XXXX, just before beginning his XXXX year, XXXX. XXXX. Doctors have not determined whether he will be able to XXXX or return to complete his schooling. I called Nelnet to see if I it would be possible to for loan forbearance since XXXX may never complete his college education. They explained that if the loan had been in my his name they could have made arrangements, but since the loan is in my name ( for his benefit ), there were no forbearance programs for parents. My son 's medical bill are astronomical and I 'm trying to avoid declaring bankruptcy. Therefore, forbearance would be help my finances and leave more money to provide for my son 's daily care. I would like to know if I have other options besides beginning payments on my son 's student loan?

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2016 about Credit card () with DISCOVER BANK (TX).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Based on information, belief, and observance, my Discover Card account was opened using a line of credit from my corporate affiliation with my investment company. I open a Discover Card account on or about XXXX XXXX. I later added an authorized user to the account. Subsequently, extra cards began to be ordered under the authorized users name without my knowledge/permission or the authorized users knowledge/permission in about XXXX XXXX. Discover markets its cardholders are never liable for unauthorized charges on the card. However, Discover misled me about the status of the disputed charges I reported when I made Discover aware of the additional cards and charges on the account. Instead of closing the card under fraud, Discover left the card open until XXXX XXXX. During this 2 year time span, disputed charges reappeared on the account along with new charges while other accounts numbers were also open. I have determined the charges in dispute amount to {$810.00} which discover refuses to credit to my account as a result of the fraud. It appears a line of credit for my company was opened similar to my XXXX XXXX account which I learned had XXXX extra cards despite me being the only authorized user of the account. In the alternative, I believe Discover employees or third party contractors opened an account in the authorized users name when the user was added to the account and began making charges which posted to the account and charges which were not viewable online or on statements. I have had to make complaints of mail tampering as a result of Discover not maintaining my updated mailing address. Based on information, belief, and observance XXXX XXXX XXXX is an agent for XXXX XXXX XXXX who may be of some relation.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2017 about Vehicle loan or lease (Loan) with BBVA COMPASS FINANCIAL CORPORATION (TX).
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint: I contacted BBVA Compass Bank on XXXX/XXXX/XXXX notifying them that I traded in the vehicle to XXXX XXXX XXXX XXXX and provided them with the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Phone XXXX XXXX My payment was n't due until XXXX XXXX, XXXX, so they had plenty of time to contact the dealership and provide the proper payoff amount. In the meantime, XXXX XXXX called Compass Bank with a payoff amount and the automated system stated that it was good for 10 days. XXXX XXXX overnighted a check for {$25000.00} on XXXX XXXX, XXXX and I asked XXXX XXXX if I needed to make a payment to Compass Bank and he told me that I did n't because I no longer owned the vehicle. I called Compass Bank on XXXX XXXX, XXXX to see if they had received the payment and they claimed that they did n't, meanwhile I kept receiving calls from Compass Bank regarding payment and when I inquired about the funds that were overnighted by XXXX XXXX, I kept getting the run around. Actually, it took them over a month to find the funds and although the account it paid in full, they reported my loan delinquent 30 days even though they had the funds in hand. I 've had nothing but problems with Compass Bank and I 've reported them several times because of their lack of concern, misappropriating funds, and some would say incompetence. I want this resolved quickly and I want them to remove that report from all credit reporting agencies. They are being spiteful because I ended my business relationship with them. I simply just got tired of the run around and the unprofessional behavior as well as unknowledgeable personnel that I always had to deal with.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
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: On XX/XX/XXXX, I opened an account with XXXX when I purchased a washer and dryer from XXXX. They assured me that XXXX would remove my old washer and dryer and install the new washer and dryer in my home. The sales associate was given my physical address for delivery and my XXXX XXXX for billing. When I was called on the delivery date before the washer and dryer were to be delivered, I was informed that the delivery did not include removal of my old washer and dryer and set-up of the new washer and dryer. At that time, I notified the delivery company that I would not be accepting the delivery. I then telephoned XXXX and inquired as to what happened with the service I paid for with set-up and haul away. At that time, the representative from XXXX informed me that the salesperson was new and didnt know that XXXX doesnt provide set-up and haul away services, even though I had been charged for those services. I then went up to the store and they informed me that they would cancel the purchases and close the credit card account and there would be no fees. 
In late XX/XX/XXXXI received a credit report that showed a delinquent charge with an unpaid balance. This charge stemmed from my purchase of a washer and dryer at XXXX. I telephoned XXXX and XXXX to try to straighten out the charge but was unsuccessful in getting a resolution. In order to complete my closing, I was required to pay the {$300.00} delinquent charge and work through this dispute after the closing was completed. What I have discovered since that time is that XXXX was sending statements for the washer and dryer I never received to my physical address ( where I dont receive mail ). On XX/XX/XXXX, XXXX mailed me the statements for the account I closed on XX/XX/XXXX. These statements show that I was charged delinquent fees for not paying on the account starting with the XX/XX/XXXX statement, even my credit report showed that XXXX reported the account closed on XX/XX/XXXX. It appears I continued to be charged late fees and interest. 
I was expecting the amount I paid, plus interest be refunded to me immediately. I expected XXXX to send me a letter stating that this is not a delinquency on my part so that I had something in writing to show if I have any other issues with this dispute in the future. In addition, I was also expecting that XXXX clear up my credit by informing the credit agencies that I was not delinquent on the account and that an error was made between XXXX and XXXX. XXXX has not cleared up my credit and despite attempts to resolve this myself with the credit agencies, the credit agencies have not accepted my dispute and revised my credit information.

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 08-12-2016 about Credit card () with CITIBANK, N.A. (NY).
Issue: Rewards

Complaint: Citibank sent me a prequalified offer for XXXX AAdvantage miles if I meet the minimum spend, despite previously opening an XXXX card with them a year ago. There was no 24 month language in the prequalified offer, so I applied and was approved. I requested them to honor a different targeted mailer they also sent me invitation # XXXX, they also refuse to honor that. 

Their dishonest practice tricked me into opening an account I otherwise had no interest in opening, which is why I closed it in the first place, by luring me in with a false bonus. This should be illegal if it is n't already, and they are violating the terms they agreed to when I submitted my application.

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 12-12-2017 about Debt collection (Medical debt) with Professional Adjustment Corp. of S.W. FL., Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: received a debt collection letter from Professional Adjustment. I sent them a debt validation letter requesting the company to send me proof showing that I owe this debt. I requested a proof of a signed contract between me and the creditor and the debt collector with my signed signature in ink, they failed to send that, I requested an agreement with XXXX XXXX XXXX between Professional adjustment that grants them authority to collect on this debt, verification that this debt was assigned or sold to collector, information that this company is licensed to collect in the state of Florida, but I did not receive any of the documents. I only received a copy of a bill and that does not validate the debt. In the US law encyclopedia, XXXX XXXX, 73 am Jur 2d. Sections 90-93 ; it says that one can not subrogate onto a contract that they were not original on, did not have any interest to protect, and then claim successor in rights and interests. Thus, when an original credit sells the debt, they give up their rights to collect on the debt, but they did not give these rights to the collection agency. The collection agency can not act as a substitute for the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Viking Client Services, Inc. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: In XX/XX/XXXX, I had an accident with a car rented from XXXX. My insurance company paid the claim. XXXX, however, contended there was additional damage that I did n't cause ( was n't noted on the accident report and appeared to be damage caused to the bumper from towing ). In a discussion held in XX/XX/XXXX, a XXXX rep agreed I to not charge for the damage I did n't cause. However, they continued to seek damages for loss of use, even though the repairs to the original damage should n't have taken nearly as long as claimed. When my insurance company and I tried to connect with the XXXX collection department on several occasions to try to resolve the issue, we received no response from XXXX. Then in XX/XX/XXXX, I was contacted again by XXXX with a demand for both the damage I did n't cause and the loss of use. 

Finally, I contacted the customer experience team at XXXX with my complaint and received a response that the claim would be dropped ( see attachment " XXXX email string '' ) and that the collection agency would be advised to drop the claim. However, in XX/XX/XXXX, I received a collection notice from Viking Client Services ( see " XXXX '' ) seeking payment. 

I am registering this complaint because the XXXX collection area has been singularly unresponsive to earlier communications, so I am concerned that the matter will continue to go unresolved unless sufficient pressure is brought to bear to get their attention. Ultimately, I just want to make sure that a ) the complaint is dropped and b ) the complaint and attempted collection is in no way reflected on my credit record.

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2016 about Debt collection (I do not know) with Pressler & Pressler, LLP (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This concerns case # XXXX and XXXX. On Friday, I received a letter from Pressler & Pressler requesting the court to direct an order for garnishee to pay over to Sheriff money for the debt I do not owe. I am at my last nerve. I do n't know what to do. I ca n't afford to hire an attorney, {$250.00}. just for consultation. I 'm scared to death of these people now. XXXX XXXX appeared to be cooperating, not these attorneys. I am enclosing their documents.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
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 obtained my credit report online. There was a U S Bankruptcy Court item listed on my credit report. Per the FCRA 623 ( a ) ( 5 ) : If the credit bureau can not validate the information with the original creditor, the must remove said information from the consumer credit file. 
The US Bankruptcy Court does not provide information to credit reporting agencies, no do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or third party providers who collect information regarding public cases from public records. Public records information is never validated by the Recorder of Deeds nor the U S court system due to the Fair Credit Reporting Agency Privacy Law. 
They further stated while they are not liable or responsible for any misuse or incorrect pulbic records, nor the distribution of said information, public records may, and often times are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all bankruptcy information currently showing under my social security number to be permentantly deleted from my credit report immediately.

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 03-07-2016 about Debt collection (I do not know) with Lyons, Doughty & Veldhuis, P.C. (RI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have received repeated calls from a collector for a debt that is not mine. I have visited their website and left voice messages indicating that they have the wrong person. The robo calls continue over the weekend as well as during the week.

Company response to consumer: Closed with explanation