milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-02-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit Protection Association, L.P. (NE).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: After securing a loan for new vehicle we were presented with credit scores for myself and my husband from XXXX. Mine is XXXX and my husband 's XXXX. Granted I understand credit scores of spouses do not always match as male head of household tends to be the first name listed on debts, such as mortgages etc. However a discrepancy of XXXX pts did not seem normal, especially since I handle all our finances, thus I pulled his credit report for XXXX , XXXX and XXXX . Upon reviewing his credit report with XXXX I discovered a collection account for XXXX usd with CPA from XXXX and the names of XXXX and XXXX along with the phone number of XXXX attached to my husbands report. All of this information does not belong to us and has been disputed with XXXX under file # XXXX. 

I spoke with XXXX on XX/XX/XXXX and they confirmed the name of XXXX was linked to my husband 's credit report due to the collection from CPA # XXXX After speaking with CPA on XX/XX/XXXX ( XXXX XXXX XXXX ) they also confirmed collection in name of XXXX however, since they have my huband 's SS # in their system of XXXX it is up to me to prove my husband, XXXX, is not XXXX or XXXX and stated they receive information from their clients via XXXX, thus they are not responsible for my husband 's SS # being attached to name of XXXX. 

I proceeded with contacting the original creditor of XXXX at XXXX and they do not have my husbands name nor his SS # in their system, as well as our home address in XXXX. Any accounts under XXXX in their system all start with a SS # of XXXX. And the phone number of XXXX reflects an account for a completely different name. 

In addition this same situation occurred in XX/XX/2008 and I believe is to be with the same name of XXXX. Since at that time we applied for line of credit with local bank, XXXX, they handled the communication with they credit reporting agencies and I believed they told us XXXX has a similar SS # and DOB as my husband 's. I do not have a copy of the letters sent in XX/XX/2008 but do have copy of investigation results from XXXX confirming both collection accounts being deleted with XXXX account held by CPA. 

I do not believe this to be a case of stolen identity, but rather a case of data error and all fingers based on my preliminary investigation point to CPA as being the culprit of the data error.

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 12/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX, XXXX My identity was stolen and credit cards in my name was opened at the XXXX XXXX XXXX and other merchants in the area. & purchases were made in XXXX XXXX. XXXX XXXX XXXX was notified over the phone and in writing on XXXX XXXX, XXXX. A XXXX Police report was also sent along with the XXXX XXXX XXXX investigation forms. I received letter dated XXXX XXXX, XXXX, from XXXX XXXX XXXX stating that they completed investigation in my fraud claim and claim has been resolved in my favor. The letter also states that Credit Bureau agencies have been notified to remove this account from my credit profile. 
As of today, my credit report has not been corrected and still shows balance of {$2100.00}. I tired to resolve this matter with both with XXXX XXXX & XXXX XXXX XXXX representative over the phone ( XXXX ) three to four times in last 12month without any success.

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 04/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Per my   XXXX  credit report, CITIBANK NA performed a hard inquiry on   XXXX   XXXX  , 2016. I did not apply for any sort of credit card through CITIBANK.

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 12/31/2015 about Debt collection (Medical) with Collection Information Bureau, Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I was alerted of a collection on my credit report. I have never received a bill or notice. I called them to dispute this item and they have not responded. I do not know what this bill is or why it is on my credit report. The original creditor would not talk to me or give me any info about this debt. The name of the company is Doctors business bureau. XXXX Fl. XXXX. The original creditor is XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2016 about Payday loan () with CNG FINANCIAL CORPORATION (IN).
Issue: Applied for loan/did not receive money

Complaint: I told the employee of Checkngo that I wanted to pay off and take out the loan again. She took my money and said oh your on the cool off you have to wait 8days. I told her that was all of my money if I could n't take another loan why did n't I get to do the extended loan when you take the last loan and split it into 5 payments and she said I did n't ask. I spoke to the manager also and she said I should 've asked and they do n't know until the end of the process. I got the extension before and the employee looked at me like I should not have known about that. I feel the way they are acting like its a secret is because they are taught to not give this extension to customers by all means. I needed that extension because I 'm left with no money and I have XXXX kids to feed ; they need to be fined or something because the state of Indiana came up with them implementing this extension for a reason and they are trying to play on a customers responsibility saying they ca n't keep up with the numbers of loans and they do n't know until the end of a transaction. This happened Friday and they have n't contacted me yet and they really do n't have a resolution contact ; the manager and the other employees are friends so nothing will get resolved at that level. They just gave first names did n't want to give last names or employee numbers so I know they were trying to be slick. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2017 about Debt collection (I do not know) with Receivable Management Group, Inc. (GA) (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I PULLED A COPY OF MY CREDIT REPORT AND LEARNED THAT RECEIVABLE MGMT GROUP HAD PLACED A COLLECTION ON MY CREDIT REPORT. I HAVE NEVER ENTERED INTO A CONTRACT WITH RECEIVABLE MGMT GROUP VERBALLY OR IN WRITING.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Debt collection (Credit card debt) with HSBC NORTH AMERICA HOLDINGS INC. (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX   XXXX    claimed that a credit card debt was mine, but neglected to provide documents to me proving that debt was mine, nothing with my signature, only documents showing statements and payments which I have never made  XXXX  took me to court and I was set to be able to provide my documentation, when I arrived for my court date I was told the case was vacated and it was found in  XXXX  favor based on the documentation the judge received from   XXXX   XXXX   never received the documentation even after requesting it through the courts and paying a fee to file the request I also was not even able to state my case at all, never got to stand before the judge The court documents I received showed that the the court notice was sent to  XXXX , but the box for " defendant '' was not checked, I wasted my time away from work to go to a court case that never took place

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2016 about Debt collection (I do not know) with Synergetic Communication Inc (DC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I am getting frequent calls from this XXXX number and it is dept collector. I have no any debt, loan or outdated credit card or any sort of bills to pay. I want to know how did such company get me number and called me. I receive similar call from other so many unknown numbers. Concern authority must take strong action to protect innocent citizens. Thanks

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2017 about Mortgage (Other type of mortgage) with CITIBANK, N.A. (MI).
Issue: Closing on a mortgage

Complaint: When I did a home loan modification in   XXXX   at least 25 years was added to the length of my 30 year mortgage with an  XXXX  dollar balloon payment at the end.I feel like this is too much, I have lived in my home for 21 years and now I still have  XXXX  more years to go with a balloon payment.I feel like I have a double mortgage.

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 11/19/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have tried to settle my account with XXXX Hunter Warfield for the last 6years.. and they have refused to accept my releting fee for the amt of {$580.00} and has been decline by several agents including Management team..

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with RJM ACQUISITION LLC (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I owed XXXX XXXX XXXX for a checking acct. RJM acquisitions XXXX XXXX XXXX. XXXX XXXX XXXX, NY XXXX ; XXXX purchase the debt and offered a reduced payback. I have been paying them for over 2 years and have a current settlement balance of {$340.00}. Recently another Debt collection Agency reported to my credit report that I owed them {$700.00} for XXXX XXXX XXXX with no acct # attached. When I tried to make my current payment as usually to RJM the website is no longer accessible. XXXX XXXX is the collection that attached a claim to my credit but In have n't received any info from them and they reported I made a payment to them in XX/XX/XXXX for the same I paid to RJM in XX/XX/XXXX. I have paid 1/2 my debt settlement to RJM. I disputed the complaint with XXXX and only received a response that they updated my account but when I reviewed XXXX XXXX was still there. I do n't have a problem paying the debt but I do n't think another debt collector should be trying to collect on a debt I 'm already paying with no contact and the amount they are charging is double of the balance left owed to RJM because I have been making the payments.

Company response to consumer: Untimely response
Consumer complaint received 01-06-2018 about Checking or savings account (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: Well when we opened the account my ex put a check in my account and since that day which was XXXX XXXX my account says that it 's going to be closed and it 's restricted now. I did n't give him permission to do anything to mine and our daughters account. So now their trying to close it.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2015 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have sent multiple letters to this deceptive collection agency and they have REFUSED to send me any proof of a debt ever existing that they have reported on my credit reports. they ask ME for proof which makes no sense at all! They are reporting an verifying unvalidated information on my credit reports. I have written letter after letter since XXXX 2015 with nothing other them them responding with their name, rank and social security number! I want billing records, a contract, not a paragraph telling me they own a debt without one bit of proof that they purchased any debt nor that the debt is mine in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX account XXXX does not belong to me

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WA).
Issue: Problem with fraud alerts or security freezes

Complaint: As a result of the XXXX data breach, many of those affected have been trying to implement credit freezes either online or through call centers, but have been unable to do so due to high volumes overwhelming the systems. I am one such person.
It is noteworthy that I have never asked any of the three credit reporting agencies to handle my private information, nor have I ever consented to them using my private data to use in their business to amass data and share with any institutions, financial or otherwise, that want this information for their marketing purposes. 

I find it outrageous that I have to pay for their errors. For all I know, their lax approach to keeping my data secure was intentional so that they can profit from our fears by offering their credit monitoring/ID theft protection products back to us. In fact, this should constitute a clear conflict of interest and I believe the FTC should look into breaking them up. 

However, in light of the lack of anything getting done, I ask that ALL THREE credit agencies be forced to offer free credit freezes at this point to all those that 'may have been ' affected by the recent breach. It behooves the government to intervene at this point, particularly as the social security numbers are in fact issued by the government and the agencies obtained them from the government - NOT the individuals.

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 03/29/2016 about Credit card () with SANTANDER CONSUMER USA HOLDINGS INC. (GA).
Issue: Billing disputes

Complaint: I was charged a XXXX late fee on my account. Santander posted my payment 3 days late. Santander stated that they received and posted my payment the day it was received. I do not believe that 1, because XXXX service is not that slow, it was mailed 10 days before it was posted, 2, because all other payments mailed on that date managed to get delivered on time. 
I want the XXXX credited back to my account, along with any finance charges associated with this charge.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2015 about Credit card () with CITIBANK, N.A. (CA).
Issue: Closing/Cancelling account

Complaint: Please see the attached narrative complaint and exhibits. This complaint is about unearned fees, unearned interest, and credit reporting all after the consumer canceled the card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 05/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My previous complain number XXXX. Submitted to the CFPB on X/5/2017, where I was concerned about my account being reported as delinquent, your response was : After reviewing your complaint, our records show the information you disputed, late payments on XXXX # XXXX does not currently appear on your TransUnion credit report. In order to protect your privacy, we will mail a copy of your credit report to the current address we have on file for you. You can expect to receive it in approximately 5 to 7 business days. If you have any further questions, please call us at XXXX Monday-Friday, XXXX XXXX  XXXX XXXX ET. Please visit http : //transunion.com/consumerfaqs for frequently asked questions about your credit report. After reviewing my credit report and had provided enough documentation supporting my case, I regret to let you know my credit file is reporting negative information in regard this account. As I stated on my previous dispute a management-consoling program has been making payments since last year and theyre managing my payments. My account is reporting unknown payment status for XXXX 2017 and as you may know this is impossible ( supporting documents state it ), therefore is hurting my credit report. So, Im kindly requesting an update to my file. Thank you

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 09-08-2016 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (NH).
Issue: Money was not available when promised

Complaint: I sold something on ebay and received a payment for {$1300.00} for the amount of the item ( {$1200.00} after fees ) ( transaction ID XXXX ). The buyer paid by Paypal. Paypal received the payment, but refuses to update my balance. After several phone calls, Paypal said it was due to a " software update '' and it would be fixed immediately. It has now been more than a day. Many other sellers are having the same problem according to ebay 's community boards. Paypal keeps changing the story about when this will be fixed. Some people are being told an hour, some a few hours, some until the end of the day, others 24-48 hours, and one person was even told 4-5 days. Like many sellers, I was relying on this money -- {$1200.00} is not an insubstantial sum -- and I think it is completely unfair for Paypal to hold up so many people 's funds so it can update its software. There surely is a way to update software without holding customers ' money with no recourse.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/27/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with PAYPAL HOLDINGS INC. (CA).
Issue: Unauthorized transactions or other transaction problem

Complaint: I made a payment of {$90.00} through Paypal to an online seller. But I did not receive service as described. I did not ask for a full refund, but the seller refused to partial refund. I opened a dispute on Paypal. But I accidentally closed the case and Paypal did not allow to reopen it. I lost {$90.00}

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2015 about Debt collection (Credit card) with SQUARETWO FINANCIAL CORPORATION (WA).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: I requested verification of debt owed on XXXX XXXX, 2014 from CACH , LLC via certified USPS letter which was signed for and accepted on XXXX XXXX. 

CACH , LLC did not respond to the request and has now threatened to sue me and continues to harass me in person ; they sent an individual driving XXXX sedan to follow me when I am walking my dog and constantly take pictures of my roommate and I even after we requested that they stop.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Checking or savings account (Checking account) with SANTANDER BANK, NATIONAL ASSOCIATION (NJ).
Issue: Managing an account
Sub-issue: Cashing a check

Complaint: Cashing a check I submit power of attorney and certification of endorsement as requested by the bank. 
The manager of the bank kept telling me everything was fine. After several trips to the bank over a two months period the bank told me they will return the check to me. 
The check is issued by Santander and I am trying to cash or deposit the check in a Santander account. 
I have been dealing with the branch on XXXX XXXX in XXXX NJ. 

Check amount is XXXX. 

I explained to them they are causing hardship to my family by refusing to cash their own check. They never explained their action. A branch manager simply said that was their final resolution. Once I receive the check, I will be in possession of a check that is as good as piece of toilet paper. That was hard earned money that was deposited in Santander bank. 
Please advise

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 06-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
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: There has been several disputes submitted online to have the inquiries removed. Equifax keeps sending results saying they have been verified. I need to see proof that these have ACTUALLY been verified. I do not recall authorizing. Under the Fair Credit Reporting Act, noone can request my credit without my permission. I would like to be shown proof that I in fact authorized this inquiry, or please remove from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2017 about Debt collection (I do not know) with Resurgent Capital Services L.P. (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: LVNV is reporting a debt on my credit report, XXXX and XXXX, this company, LVNV, has not validated this debt as per my request and as per fdcpa, they are in violation of FCRA and subject to a XXXX fine.

Company response to consumer: Closed with explanation