milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/16/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I submitted a letter on XXXX/XXXX/16 to all three Credit bureaus asking them to verify and validate debts listed on my credit report not only did they not verify some of the accounts updated on my report as if they are still active. Portfolio recovery keeps falling off my reports then reappearing saying I owe XXXX dollars to XXXX XXXX but they have not responded to my request for validation.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2017 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (IN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Calls over and over. Recieved 5 calls total over four day period. 1 on XX/XX/XXXX XXXX and 4 XX/XX/XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (TX).
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: CITI BANK CLAIMS THAT I WAS LATE MAKING A PAYMENT FOR THE MONTH OF XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX OF 2017 IN REF TO ACCOUNT # XXXX. THIS IS FALSE! I HAVE ATTACHED COPIES OF CHECKS THAT HAVE CLEARED MY BANK, WHICH PROVES MY PAYMENTS WERE DELIVERED ON TIME. I ALSO HAVE PROOF THAT I MADE MAY PAYMENT ONLINE AND ON TIME!
CITI BANK HAS REFUSED TO MAKE THE NECESSARY CHANGES AND CFPB HAVE SAT BACK AND ALLOWED THEM TO DO WHATEVER THEY WANT. I SUBMITTED A COMPLAINT TO CFPB WITH PROPER DOCUMENTATION AND CFPB DID NOT TAKE ANY ACTION ON BEHALF OF ME, THE CONSUMER, BUT STAYED MUTUAL AND REFUSED TO STEP UP! I HAVE BEEN BATTLING CITI CARDS ON THIS FOR SEVERAL WEEKS AND I 'M PISSED AS YOU CAN TELL! I MAY HAVE BETTER RESULTS WITH THE BBB!

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 10/13/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with PAYPAL HOLDINGS INC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Someone has used our information to create a PayPal Credit account and charged over {$1000.00}. We have gotten daily calls to both our cells even though we have reported it as a fraud, have a case number, and reported to our credit agencies. They just keep calling! I 'm going to have a XXXX XXXX. We are elderly and it is abusive. We have excellent credit and always pay our bills. Please please help us!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/15/2016 about Credit card () with NAVY FEDERAL CREDIT UNION (NY).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I really need someone to assist me because I have been going through this for years with absolutely no assistance. I am a victim of identity theft. I worked at a company where the personnel who gave me my separation papers mistakenly provided me with another person 's information partially with mine as well as provided my information to this other person ; we both have the same first and last name, different middle name. This person used my information to open accounts as well as go to the extent to use my name and social security # when he went to jail. I had thought that this whole debacle had been cleared up on my credit report, but now that I am seeing it again, I know that it has not been. I am including my letters to the bureaus as well as my identification and affidavit. I was not able to obtain a police report. When I went in to the station to file one, the officers laughed at me, stated they " do n't give a crap about something that happened in Virginia '' and would n't make a report for me. I do not have the option to file one online, either as my area does not allow for that. 
I 've disputed this with the bureaus and creditors in the past and have received no assistance. 
As for the NFCU account, I did not open or authorize this account and I have no knowledge in regards to it. I notified them as well and nothing happened ; this is the same result from the credit bureaus. 
The accounts and inquiries in dispute are listed on the letters that I have attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Credit reporting () with Experian Information Solutions Inc. (SC).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Experian is not properly verifying my account. I have tried to dispute with them numerous of time, but I am not receiving anything that is validating the debt listed on my credit report.

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 01-06-2016 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (FL).
Issue: Problems caused by my funds being low

Complaint: I 'm being charged an ISF penalty that does not make sense to me. 
The bank says larger entries are prioritized when payments are pending regardless if those smaller entries come previous ( 3 days ), even if those previous pending entries were being covered with sufficient funds. How so?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX XXXX XXXX Account Number XXXX department was constantly calling my home and job and leaving my personal information with my coworkers. They left threatening messages and I was n't sure what they were referring to. This increased my stress level causing my XXXX XXXX to increase and I began to have further issues with my XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2017 about Student loan (Federal student loan servicing) with MOHELA (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Mohela is my current loan servicer. They are reporting on my credit report that I was 90-120 days delinquent in XX/XX/XXXX-XX/XX/XXXX. I contacted Mohela and they indicated that it was transferred over delinquent from XXXX loan servicing. I know that I have never been late. They said to call XXXX. I called XXXX they have no record of servicing my loan since XX/XX/XXXX. XXXX said to call XXXX XXXX, XXXX XXXX has n't serviced since XX/XX/XXXX. I called XXXX and XXXX and nobody has serviced this loan since I consolidated XX/XX/XXXX. I have called the student loan servicing help line, the nslds.org, website and assistance number, and the student loan support center XXXX. Nobody is able to provide this information, nor do they show any delinquencies. I am unable to verify the information provided, and XXXX is unwilling to verify the information that they received when transferred over. If they are reporting on my credit report based on information received from a previous provider than that appears to be faulty. I am asking that Mohela verify the information that they received when the account was transferred and/or correct my credit report as required by the FCRA ; and therefore it is a violation of the Fair Credit Reporting Act.. Per Mohela my account was transferred over delinquent in XX/XX/XXXX ; and continue to base their reporting off of inadequate and unconfirmed information and due to this violation I am requesting my credit report be updated as required by law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Student loan (Private student loan) with TRANSWORLD SYSTEMS INC (OR).
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint: I was in a Chapter XXXX bankruptcy that was XXXX in XXXX of XXXX. A few months later I started receiving collection letters about student loans. I spent hours on the phone trying to sort it out since I had n't received any other notification from any of them. XXXX XXXX XXXX did not want to give me the information regarding the lender and said I had to work with them. I tried contacting chase to get it squared away and thought I had it set up on deferment. In XXXX I got a letter from XXXX and XXXX XXXX offices stating I was being sent to collections. The man on the phone was very rude and I asked multiple times for the information for the company that had the loan and what exactly it was for. I said that I had already worked with the lender and he said that I had to set up payments. He had me concerned that I would have my wages garnished so I started trying to negotiate with him and when I told him there was no way I could afford those payments he got even more pushy. I told him I was at work and could n't do this at the time. I have since received a couple other calls and a letter from an attorney stating a suit has been filed against me and they would like to represent me. I have yet to receive anything about this suit and ca n't seem to get in touch with anyone that will help me. 

The amount on the letter is {$10000.00} and the letter from the law firm is dated XXXX/XXXX/XXXX. 

Letter came in my former name of XXXX. 

I do not find it fair that I did n't get any notification until an attorney is involved.

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2017 about Checking or savings account (Savings account) with FIFTH THIRD FINANCIAL CORPORATION (TX).
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint: My bank has acknowledged that they know funds from my savings account were stolen from my savings account. They allege they have credited my account for a little over six thousand dollars. I have three receipts showing I deposited {$30000.00} on XX/XX/XXXX, {$14000.00} on XX/XX/XXXX and {$29000.00} on XX/XX/XXXX. Though I have repeatedly asked the bank to send me my money, they have sent me absolutely no money. I believe I should also be entitled to receive punitive damages for mental anguish and the financial hardship Fifth Third Bank, XXXX XXXX XXXX, XXXX, OH XXXX has caused me. I do not know what the law says about that. I assume you do. My savings account number at Fifth Third Bank was XXXX. My present address is : XXXX XXXX, XXXX XXXX XXXX XXXX. # XXXX, XXXX, Texas XXXX. I do not know how to send you copies of the receipts for deposit. What should I do next??

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Hello, i have more than 30 hard inquiries that i dont recognize and it is hurting my credit and interest rates ... becuase it i could not have a better offer from credit card companies and im paying high interest rates. I cant lease a vehicle or buy a house with moderate interest rate. 

I would like your help. 

Thanks very much XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (DE).
Issue: Loan modification,collection,foreclosure

Complaint: Client came to a HUD agency ( XXXX research, XXXX, De ) for assistance. Housing counselor submitted required documents to lender back in XX/XX/XXXX. Have not heard from lender since submission stating if there is anything additional needed. Client gives Housing counselor a call for follow up and the agency has not heard from lender as well. We also requested payment history of the loan before loan was serviced released to Green Tree Servicing LLC from XXXX. We did not receive any history. XX/XX/XXXX lender called client to request status on second mortgage which also is with Green Tree Mortgage. Mortgage has a XXXX and XXXX with Green Tree. Mortgage is also not reporting on credit report since loan was originated back in XX/XX/XXXX. We have been trying to get answer from lender but have been unsuccessful in getting a response.

Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Brown and Joseph, Ltd (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I had a business insurance policy with XXXX for 1 year that was paid in full. After a year, they invoiced me a bill for a renewal policy without my agreement or signature. After contacting them regarding this mistake, they said, to send documentation of my current policy with another company for the period questioned and they would look into reviewing it to cancel. If not, it is automatically renewed. I contacted them 3 time regarding this mistake. They have now referred invoice to a collection agency for none payment of {$100.00}. I did not request for this renewal policy or sign any documents. This is unfair practices.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2016 about Debt collection (Medical) with AR Resources, Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I never received any notification regarding a medical bill that I do n't remember not paying. I would like to get a copy of this bill showing my name and date of appointment. I also would like to know the reason this bill was send to collection without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Asset Management, LLC (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX claims that I owed them early termination fees on a modem contract. I paid my last bill and told them to cancel my contract because they breached the terms of an all inclusive and unlimited contract by slowing my modem to crawling speeds. 
Before canceling I called to complain several times and they finally agreed that they were blocking my use because it was too heavy with lots of hours watching videos. 
Now they have sold my so called debt of XXXX usd to Pinnacle, a company that never answers telephone calls. XXXX is also saying that they no longer own the so called debt and that they can not and will not get involved. 
This is abusive practice against a consumer because now I am left with a negative item on my report and i can not talk to anyone who can help. Neither XXXX or XXXX can help either. 
Please help stop the practice of selling one 's information to third parties and allow consumers to resolve issues with the original company. And by the way, neither XXXX nor Pinnavle will send me statement showing that I was ever billed the termination fee or a copy of my final statement. 
Thank you.

Company response to consumer: Untimely response
Consumer complaint received 08/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (KS).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I never resided at the address shown on my credit report - XXXX XXXX XXXX XXXX XXXX, KS XXXX. 
Please remove from my credit report.

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 06-01-2016 about Bank account or service (Checking account) with U.S. BANCORP (MO).
Issue: Account opening, closing, or management

Complaint: I was supposed to receive a {$200.00} credit for opening a new checking account. I met all requirements stated in flyer. Its been over 10 weeks and no credit has been made. US BANK is lying to consumers to get them to open an account with direct deposits. This is so unfornate and i hope they get sued for false advertising

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 02-06-2017 about Debt collection (Payday loan) with Northeast Recovery Solutions, LLC (LA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: The caller stated her name was XXXX with NRS ( XXXX ) stating that I owed a payday loan from 2015. When I tried to explain to her that this had been taken care of and that I had email confirmations to prove it, she continued to speak over me and says, " What kind of arrangement did you have set up!? '' I tried to tell her it was set up in two payments and then when I got louder due to her continued efforts of speaking over me - she asks why I was getting hostile. First off, she wanted me to give her my social which I did not, then she verified my bday - she proceeded to tell me that I owed {$490.00} to XXXX. Stated that {$100.00} was paid and that the remainder came back NSF from " your bank of XXXX ''. I 've NEVER banked with any such bank and she proceeded to scream at me telling me banks change names all the time and that I should know that. I told her I 've NEVER banked with a bank by that name and she continued to scream at me and says, " YOU THOUGHT you finished paying it off - but 90 % of consumers make the payments for the amounts they borrowed and THINK they are done, but they are far from done and do n't really know how much is actually owed ''. I told her I needed to find the emails and letter saying I paid it off and she asked how long that would take and I said I did n't know - 2 days? She says, " You have until XXXX. tomorrow to produce your proof as you call it '' to them or " further actions '' will be taken against me. When I tried to ask where to send - she continued to talk over me and then says, " well do you want to know where to send your supposed proof you have or not? '' I was getting really heated by this point because of the way she was speaking to me and then says that " 24 hrs is sufficient amount of time '' for me to provide my " so called proof of payment and the address is Correspondence - do you need me to spell that for you? '' She was being extremely condescending and I screamed back that I KNEW how to spell - and she says " XXXX ''. I then ask who 's attention and she says, " Correspondence - this call has been recorded you have until XXXX tomorrow. '' and then hung up on me. I IMMEDIATELY blocked this number from my home phone and started researching the number. There have been NUMEROUS complaints of this being a scam and of this same exact person/company calling others with threatening calls. She did n't even give me a chance to ask for a debt validation letter from her before she hung up on me. This is ridiculous and these people need to be stopped. They call threatening legal action or people showing up to my job etc. The scariest part is that they have my personal information!!!!!!!!!!!!!!!!! Yes, in 2015, I did have a loan - which was PAID BACK - and now 2 years later they are trying to collect? Give me a break ....

Company response to consumer: Untimely response
Consumer complaint received 01/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I opened an account with XXXX XXXX about 5 years ago and I have noticed another company stating that I owe XXXX XXXX who I think is XXXX XXXX {$1300.00} and I do n't know I do n't have any bills stating i owe this amount to them and also I never open any account with XXXX XXXX they are saying I opened an account with them as well as in the payment history its not complete its saying I have never made a payment to XXXX XXXX and also that I am failing to pay them how is this accurate I can not pay money to a company I do n't know i do n't know what they are trying to do to me but I had to reach our for help I have tried other measures such as calling but I have not had any luck.

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 10-10-2016 about Credit card () with WELLS FARGO & COMPANY (MA).
Issue: Unsolicited issuance of credit card

Complaint: I have a Wells Fargo Health Savings Account through my employer ( I am on a health plan that qualifies for a HSA ) and have a debit card for said account. The problem is I just received a letter regarding " amendments to your credit card agreement '' for " account ending in XXXX '' which does not match any of the accounts I know I have and I never applied for any credit card with Wells Fargo ...

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 09-05-2017 about Student loan (Private student loan) with HEARTLAND PAYMENT SYSTEMS INC (VA).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: My loan was transferred from XXXX University to " Heartland ECSI '' I received one letter from them that stated that my account was past due. I can not log-on online because I never set up a log-in, and have no information. When I try to call them, I wait on hold for more than an hour and never get through. 

I have used their call-back system as well, which has also not worked. I have no means to access their systems or their agents to submit a payment. They are concurrently threatening to send my account to collections and flag it as delinquent if I do n't pay. 

In summary, there is no means to remit payment to ECSI, however they are threatening action that would impact my XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2015 about Credit card () with DISCOVER BANK (NY).
Issue: Credit card protection / Debt protection

Complaint: I was scammed from XXXX purchases made from XXXX using my Discover Card. Temporary credit was issued on XXXX XXXX, 2015. It allowed only 45 days for the merchant to reply, if not the case would end up in my favor. Discover Card reverted the credit PAST the 45 days on XXXX XXXX, 2015. I would like my credit back.

Company response to consumer: Closed with explanation