milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-03-2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (PA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Portfolio Recovery Associates had placed this negative items on my credit reports without notifying me. I filed an dispute with Portfolio Recovery Associates on XX/XX/2014 and they never responded to my dispute. Portfolio Recovery Associates violated the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. I had requested this item deleted off the CRA within 15 days from the date of the dispute letter.

Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Receivables Performance Management, LLC (TX).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me instead of my attorney

Complaint: XXXX collector calls on Sunday XX/XX/2015 and threatens me about a XXXX account. I asked who he was and he said third part representing XXXX XXXX never identified himself. Just went into a statement that they would put this on my credit report. XXXX phone call on Tuesday XXXX XX/XX/2015 XXXX name as XXXX with XXXX out of Washington. said account was just received in there office on Friday. I never received any mail stating they represent XXXX today is XX/XX/2015 and still no letter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2016 about Debt collection (Non-federal student loan) with ATG Credit, LLC (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a letter from a company called ATG Credit , LLC stating I owed money to XXXX in XXXX 2016. I called ATG on XXXX XXXX, 2016 and told them I know nothing about this charge and wanted to dispute it. The person said OK they would put a dispute request in and send me documentation from XXXX. In XXXX of 2016 my credit report was now being reported as a collection agency for something that I still had no idea what it was for and had nothing from ATG showing what is was for. On XXXX XXXX, 2016 I was sent a ledger as proof from AGT which was now over 60 days later of me entering a dispute. What ATG sent me still shows nothing of how this debt is mine. I called them back and told them this and they said they will reach out to XXXX for more info. This should not be reported to my credit if they ca n't supply proof within 30 days or send proof of how it belongs to me. 

The issue at hand is that it took 60 days for the debt collection to respond to my dispute which is longer then the 30 days per The Fair Debt Collection Practices Act ( FDCPA ) ( 15 USC 1692 et seq. ), which states if the creditor does not verify the listing within that 30 day time frame, then it is automatically deleted as mandated by the FCRA. As requested in my complaint I demand this collection be removed from my credit report since it is being reported incorrectly and the debt collector has failed to follow the rules of the FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (NY).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Midland Corp keeps calling my brother 's home and sharing my information with him and who ever answer 's the phone, this happens numerous times and is not right

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/16/2017 about Debt collection (I do not know) with Premier Portfolio Group (AL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The Rep has called me at least 4 times per day with stating that they will take some kind of legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (IN).
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint: I HAVE A CARD WITH XXXX XXXX CARD BY XXXX XXXX XXXX AND HAD ACCOUNT ASSURE IN XXXX TRIED TO FILE CLIAM BUT WAS CLOSED BY THE BANK W/O KNOWLEDGE TO CONOMER.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2017 about Debt collection (Other debt) with ENCORE CAPITAL GROUP INC. (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I was sent a bill from XXXX approximately XXXX. I explained to XXXX I never had an acct with them. XXXX sold the acct to midland funding. In XXXX midland funding filed a suit against me in XXXX county nj. I won the case and case was dismissed. since XXXX I have contacted midland 4 times about removing this from my credit. I have been lied to given the run around and the company has shown no concern with this. this is still on my credit causing my score to be lower. I had no knowledge of CFPB until today. Anything that can be done would be appreciated. Thanks midland funding XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2015 about Debt collection (I do not know) with Receivables Management Group, Inc. (MN) (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: RMG Systems is trying to collect a debt that is not mine. I have asked a number of different time for verification and they have not provided it to me. They did however say that if I just paid the debt they would remove it from my trade line on my credit report. I have no problem paying the debt that is mine. They are a shady collection company that I believe is part of a scam. They have no information other then basic personal info.

Company response to consumer: Closed
Consumer complaint received 05/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Afte  r my chapter   XXXX   case was final as  of  XX/XX/XXXX .  my credit file was my first to take care of. I made contact with all of the companies to ensure they all had the proper information to resolve this issue. Equifax still shows an open account that is keeping my score from rising. I have given them all the information to correct this issue and to this date, they have n't repaired this problem. I 'm at a loss as what to do as I get the run around every time I call.
<P/><P/><P/><P/><P/><P/>
 XX/XX/XXXX    XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   WA.  XXXX  Complaint Department   XXXX      XXXX   XXXX   XXXX   XXXX  , Texas   XXXX   Dear Sir or Madam : I am writing to dispute the following information in my credit file. I have named them attachments as follows. I am enclosing my entire chapter   XXXX   bankruptcy showing it has completed as of  XX/XX/XXXX  I would like to update my personal and public record with the enclosed final court file showing it satisfied.
<P/>
( 1 ) Attachment Enclosed you will find my entire court records for my Chapter   XXXX   Bankruptcy filed on XX/XX/XXXX  ending XX/XX/XXXX . Please reinvestigate these matters and delete or correct the items as soon as possible.
( 2 ) Attachment My personal information for update.
<P/>
  XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I was given a notice to vacate XX/XX/2015. I paid for XX/XX/XXXX then vacated XX/XX/XXXX. I have proof of payment on my bank statement of this transaction on XXXX/XXXX/2015. I am now being asked to pay {$3100.00} for early termination fees along with rent due when it should be {$1900.00} because I paid a full month 's rent of {$1200.00} for XX/XX/XXXX just before I left on XX/XX/XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have an item on my credit report that XXXX XXXX XXXX Equifax, and XXXX keep reporting as delinquent. This item was XXXX in a chapter XXXX bankruptcy, all they have to do is research the XXXX XXXX XXXX, XXXX XXXX. I 'm sick and tired of the companies trying to keep me from fixing their errors. My old dispute over a month ago still has not been resolved # XXXX With XXXX XXXX XXXX, it 's an open and shut case but their stalling. If they ca n't find the information then they should have deleted it.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2017 about Credit card () with Alliance Data Card Services (NJ).
Issue: Billing disputes

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days late as of XX/XX/2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (VA).
Issue: Loan modification,collection,foreclosure

Complaint: On XXXX XXXX, 2015 I sent via next day delivery, certified, return receipt requested XXXX separate NOTICE OF VALIDATION OF ALLEGED DEBT in accordance with Fair Debt Collections Practices Act, it mandates in FDCPA section 809 ( b ), 15 USC 1692g, to Wells Fargo 's attorney of record XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Virginia XXXX ( XXXX ) XXXX. This action should have stopped the foreclose sale of my property on XXXX XXXX, 2015. These letters were ignored by both Wells Fargo and their attorney and the sale proceed today with no response from either. This is a direct, willful, and intentional violation of federal law.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with WELLS FARGO & COMPANY (MD).
Issue: Trouble during payment process

Complaint: Loan #  XXXX  Lende r : WF Address:  XXXX   XXXX   XXXX , #  XXXX ,  XXXX   ,  MD  XXXX  I bought this unit and financed it with  XXXX   XXXX   .   Wachovia bo ught  XXXX   XXXX .  Wells Fargo used bailout money during the housing crisis to buy Wachovia. After acquiring Wachovia, WF called m e in  XXXX  claiming that I owed on the account and sent a bill of {$8000.00}. I disputed the bill, stating that the loan was pai d off. Wells Fargo asked me to make a payment arrangement while it researched my claim and that I would be refunded accordingly. In order not to injure my credit, I agreed. WF began drafting automatic payments from my account and suddenly stopped, referred the account to its lawyers to begin foreclosure. I threatened to sue them and their lawyers. Their lawyers withdrew. After a year, Wells Fargo hired another lawyer and claimed that I owed {$43000.00}. I asked for the result of the payoff research th at I requested in  XXXX . It was not until  XXXX  that  WF responded to that request, claiming it has no evidence of payoff. I asked WF why they stopped drafting payments and opted to hire a foreclosure lawyer. WF claimed in a letter that I filed ba nkruptcy in  XXXX  and it forced them to stop drafting payments. I challenged them to produce any evidence of me filing bankruptcy in  XXXX . I told them that the first time I ever filed bankruptcy in my life was in  XXXX  whe n Wells Fargo denied me loan modification on the ground that I had equity in my home and proceeded to foreclose my principal residence. I filed bankruptcy to stop it.    Because of medical issues and  XXXX   XXXX   XXXX  this was causing me, I offered to pay {$6000.00} and be done with this. In  XXXX   WF started again. I threatened to sue and report this to Congress. WF asked me not to and to improve my offer to resolve this. I offered {$10000.00}. More than a month not hearing from WF, I was told that it was referred to its lawyers for foreclosure, $ claiming {$60000.00} on the loan. This is how WF practices vulture capitalism and unmitigated extortion against me and other borrowers.

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 07/15/2017 about Debt collection (Other debt) with ENCORE CAPITAL GROUP INC. (KS).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: XX/XX/XXXX , I owed   XXXX   XXXX   for a credit line of {$1400.00}. By  XX/XX/XXXX , I paid the amount off in full as my last payment was {$250.00}. After making all payments, The   XXXX   XXXX   sold account number  XXXX  to Midland Credit Management, Inc  XXXX .  XX/XX/XXXX ,    XXXX   XXXX   XXXX   XXXX   XXXX   obtained a judgment against me in  XXXX  County, Kansas court  XXXX . During that time, I made additional payments by check not aware this was regarding my   XXXX   XXXX   Account ending in  XXXX .  XX/XX/XXXX , I sold my home and the {$2300.00} judgement was held back fr om my profit of sale. I found out recently in the process of searching through old paperwork and notice I 've been scammed. I over paid Midland as they also collected money on an account they never should had purchased from   XXXX   XXXX  . I 've been writing and requesting for the return and interest as   XXXX   XXXX   XXXX   and Midland refuse to resolve my claim.
<P/>
  XXXX   XXXX    XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2016 about Credit reporting () with ID Analytics, Inc. (KY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I applied for a XXXX XXXX XXXX XXXX Credit card and was denied. I received a letter dtd XXXX/XXXX/2016 stating the reasons for my denial was based on deliberate and egregiously inaccurate information provided by XXXX XXXX/XXXX. First they claimed by credit score was XXXX which is a complete fabrication, as my Credit score is actually XXXX from both XXXX and XXXX. Inadditon they provided Misleading information on my length of stay at my current home address, along with the fact that I had insufficient number of credit references and had limited deposits on file with XXXX XXXX XXXX. All information they deliberated fabricated was completely false, misleading, not even remotely accurate. It has cost me a significant saving on the purchase I was making at the time along with expenses of sending certified letters to the XXXX, the Credit Card agency and XXXX. As a reporting agency they failed to validate the information before denial or sending it to the bank.

Company response to consumer: Closed
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I am deeply concerned by the recent Equifax data breach. Equifax 's negligence has allowed the personally identifiable information of 140,000,000+ Americans to be stolen. This includes names, date of birth, social security number, past addresses, and loan information. This breach poses a serious threat to all of those affected. The practice of using social security number for loan verification purposes is deeply flawed system and requires swift and immediate overhaul. 

Currently, the only way to protect oneself by placing a credit freeze with each of the three credit reporting firms. This is an arduous process, in which the credit reporting firms attempt to sell identify theft protection at every turn. To make matters worse, if a consumer does freeze their credit they are required to pay the firm in the future to lift the freeze. 

To summarize : 1 : Americans have no choice but to allow these credit rating firms to collect their private information. 
2 : The credit rating firms allow citizens ' private information to be stolen. 
3 : The victims have little protection, if any, and now have a lifetime of worry ahead of them. 
4 : The victims of this crime have to pay the very same firms who leaked their information to protect them. 

Please take action to rectify this grave injustice and protect the American public. Credit rating verification should not be in the hands of these reckless firms. It should reside with government.

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2017 about Debt collection (I do not know) with Receivables Performance Management, LLC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have paid all my bills all my life on time and this company has badgered me without disclosing what the debt was for or the account number. They have placed a large lien on my credit without an account number or any notion on why I would owe but from google look to collect for phone companies and have more than 300 complaints for similar issues

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 03/30/2015 about Student loan (Non-federal student loan) with IOWA STUDENT LOAN LIQUIDITY CORPORATION (IA).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: Iowa Student Loans, now Aspire, has consistently called us and our daughter regarding her outstanding loan from XXXX College. As was necessary, she obtained several loans over the period of four years. As her parents, we co-signed her loans. After college we made repeated attempts to consolidate her loans. The response was " not possible ''. The result was XXXX loans, each due on different time of the month, all accruing interest. We attempted to set up a regular schedule, and, new to the workforce, she did her best to meet the loan payments. We helped as we could to offset the payments. Since 2004, we have consistently received letters and harsh, demanding phonecalls, sometimes threatening, even though we know the amount was regularly late, but paid in accordance with her and our pay checks. Had we known a student loan from Iowa Student Loans, now Aspire would be so physiologically demanding, we would never have used them. Even the credit card companies have been willing to work with us on consolidating and paying off a card. We have attempted numerous times to talk with the Iowa Student Loans, now Aspire to consolidate and make it easier for our daughter, and now us, to repay the loans. They are unrelenting, offering no options and constantly sending letters and telephone calls. We know the loans are being paid, however, if they are off by only a few days, even due to holidays, the phone calls and cautionary letters arrive. We have come to simply tossing the letters and hanging up on the calls. There seems to be no solution outside of obtaining a high interest private loan to get them off our back. That is not fair to the intent of education. Something must be done.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Transunion has ignored my request to provide me with the documents that their company has on file that was used to validate and verify the accuracy of the payment history on the accounts that I disputed. Since this has been in dispute since XXXX, well past the 30 days permitted and they can not verify the accuracy of their reporting they are required to " ... promptly delete all information which can not be verified '' per FCRA Section 611 ( XXXX ) ( A ). Please resolve this matter immediately. Thanks in advance.

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 10-09-2017 about Debt collection (Credit card debt) with CITIBANK, N.A. (IN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I've been receiving a call from this phone number for CitiBank every day on my work direct line. It is always an automated call. I tried calling CitiBank. I have never had any affiliation with this company what so ever. It took serious digging to find a number that would put me in touch with a human rather than a machine. They told me I needed to register on the do not call registry. I tried registering my work number with the National do not call registry; however, when verifying, their database picks up our 1-800 number and not my direct line. Therefore, it is impossible to register my direct line with the National do not call registry. They also confirmed I was not the person they had intended to contact, but they could not take my phone number off their call list. I received a call on the following dates and times:

XX/XX/XXXX XXXX
XX/XX/XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX
XX/XX/XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX
XX/XX/XXXX XXXX
XX/XX/XXXX XXXX
XX/XX/XXXX XXXX
XX/XX/XXXX XXXX
XX/XX/XXXX XXXX
XX/XX/XXXX XXXX
XX/XX/XXXX XXXX
XX/XX/XXXX XXXX XX/XX/XXXX XXXX
XX/XX/XXXX XXXX XX/XX/XXXX XXXX
XX/XX/XXXX XXXX

Today is XX/XX/XXXX XXXX.

I've been in touch with the company IT team. They will have to change my phone number because of this issue.

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