milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/13/2017 about Student loan (Federal student loan servicing) with Fedloan Help (NE).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I was contacted by this company, Fedloan Help , Inc and led to believe that I was going to be repaying my student loan debt and that I was going to be enrolled in the loan forgiveness program that forgives your loan after 10 years of payment. I have been making payments for the past year in the amount of {$72.00} and was under the impression that I was taking care of my loan directly. Recently I received emails from XXXX XXXX saying that I was in delinquency for failure to pay my loan balance. I was told that none of my payments for the past year were applied to my student loans and I was not enrolled in the loan forgiveness program. I believe I was falsely lead into paying a third party company and that they were deliberately deceiving me. I received monthly payment invoicing notices claiming that this was my courtesy student loan payment reminder which contributed to the deceit. I have paid the {$72.00} every month for the past year and paid a total of {$860.00}. Not only did this company enroll me on false pretenses, they also did n't inform me that I had to continue on my own every year to reinstate the payments. This has negatively impacted me, I do n't have the money to pay two separate companies for the same service and I was told my credit score could also be negatively impacted because I was considered delinquent on a loan.

Company response to consumer: Untimely response
Consumer complaint received 11-12-2017 about Debt collection (I do not know) with Debt Recovery Solutions, LLC (PA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Wrote letter on XXXXX-2017 to Debt Recovery Solutions that negative item was placed on my credit report without notifying me, which is a clear violation of 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. Advised Debt Recovery Solutions to removed incorrect information off my credit report. More importantly, Debt Recovery Solutions are in violation of FACTA section 623 ( A ) ( 7 ). Never received any correspondence from Debt Recovery Solutions.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: We have been trying to get reviewed for a loan modification for more than eight months and we have been given the run around they do not return our calls do not review the documents in full and then they always say there is something missing or that they are not able to accept our income. We have been treated rude and with the most unhelpful attitude. We feel hopeless and that the bank is only looking to forclose instead of helping to resolve our delinquent account due to unfortunate events. Please help us. WE would like to keep our home. 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 explanation
Consumer complaint received 03-08-2016 about Bank account or service (Checking account) with PNC Bank N.A. (DE).
Issue: Deposits and withdrawals

Complaint: I went into the bank on a Saturday and asked the teller to look up my account and issue me the balance of the account. I did not specify the amount as I wanted to make sure any pending transactions or charges I was not aware of in the past 24 hours since reviewing my balance were accounted for. I did not specify how to issue these funds as I did not care. I was issued a cashiers check that day. I received an overdraft notice a week later advising that I was XXXX overdrawn with that transaction and was incurring a fee. I tried to resolve the issue by asking why the XXXX overdraft and why they felt it moral to charge me continually fee upon fee on what, I believe, is a charge not accounted for for the cashiers check she issued. I 've been refused a waiver of these fees, instead they continue to charge me and send threating letters. I 'm asking that they explain how the XXXX overdraft was incurred and waive the astronomical fees ( over XXXX now ) on this XXXX overdraft error they caused.

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Delinquent account

Complaint: My name is XXXX XXXX and I obtained capital one credit last year with a {$250.00} deposit and used the card while I was working out of town all last year I set online accounts to make payments in which case did not always go through and i was forced get on phone with a capital one superviser and my bank to verify that had made a payment. i have since lost my job and made that clear to capital one i used a friends home phone number to set up the account as i was working out of town now that i am unemployed capital one is calling everyday to pressure me to make a payment when this phone number is not my number XXXX XXXX has asked them to stop calling her phone number and given them my correct number but yet they still keep calling everyday

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2017 about Debt collection (Credit card debt) with Continental Finance Company, LLC (MO).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On XX/XX/XXXX I received a notice of intent to collect a debt by XXXX XXXX. I previously received a phone call from them that they were attempting to collect a debt and requested they send verification of debt. They said I just needed to pay it. I repeated asked for the verification of debt and said that he could send me the judgement against me. It appeared that he was threatening that legal action had or would be taken. If legal action had been taken I thought that the court would have already sent a judgement for garnishment so at this point I thought it was a scam and hung up on the call. When I received a letter from them on XX/XX/XXXX I called again and they requested some information to verify my identity. I did not give it to them, because I still was not sure that this was not a scam. They connected with with a manager and I explained that I wanted to dispute the debt. He said that I should send in proof of settlement to dispute the debt. I asked for proof of the debt from the original creditor and he said that the original creditor was no longer in the picture. He said they had received notice that I owed the debt and I told him that I disputed the debt and asked him to send me documentation that I owed the debt and he kept telling me to send proof from the company that the debt was settled. He said in order to dispute I would need to send proof of settlement. I disconnected the call because at that point he was talking over me. 
I do n't believe the debt is valid, but I do n't have enough information to determine if it is. I did have a credit card account with the original creditor. That credit card was bought by another company, but my account never defaulted. In fact I still have the credit account. If this is the creditor I think it is it shows on my credit report as pays as agreed.

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 11-06-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (FL).
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 have written to Discover on a minimum of three occasions requesting proof that this account is mine. I have no recollection of opening an account with them and certainly did not fail to pay any amounts owed. 

They have not sent me a copy of the written agreement which supposedly I signed nor have they provided me with a pay history from the beginning of the alleged account opening. 

This charge off is harming my credit profile and score.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Mortgage (Reverse mortgage) with NATIONSTAR MORTGAGE (AZ).
Issue: Loan modification,collection,foreclosure

Complaint: loan XXXX ; Champion Mortgage/Reverse Mortgage placed loan in mortgage due and all due status because of {$2000.00} in property taxes paid several years ago. This abusive since I am XXXX years old and trying to refinance the loan from Champion Mortgage ; Champion is harassing and holding me up from refinancing and paying them off

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I was force to move out my apt early because the neighbor would complain about my visitors so I did and I pay my last month rent but than I check my credit and they charge me {$940.00} never sent me a letter in the mail for what these charges were for so when I called they said I owe this amount and I asked how if I pay my rent for the 30days I was there because they made me moved and I did n't even get evicted

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Debt collection (Other debt) with AFNI INC. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I contacted the collection agency called AFNI about an account on my credit file that doesn't belong to me and tried to settle with them because i'm in escrow on the purchase of my new home and need it deleted from my credit report right away. They told me that they wouldn't accept anything less than {$1000.00} and i stated that it's not mine but i need it gone off of my file. I even asked for some proof of a contract or something with my signature showing the debt belongs to me and they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (FL).
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint: XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Midland Funding Llc XXXX are reporting different amounts for the same creditors they keep increasing the past due amount and these accounts were all closed back in XXXX to XXXX now Midland has put an additional XXXX XXXX XXXX XXXX with an amount of {$1600.00} plus the orginal collection of {$410.00} which I have disputed these accounts and requested documentation showing that I opened these accounts which I did n't they have yet to furnish the requested documentation and I get the run around when I try and contact them. They are reporting differently between XXXX and XXXX when I question them about this they said they will send a letter which I have never gotten.There are several agencys reporting on my credit report they are listed below. 1. XXXX XXXX XXXX {$2700.00} for XXXX XXXX opened on XX/XX/XXXX 2. XXXX XXXX XXXX  {$480.00} for XXXX opened XX/XX/XXXX 3. XXXX XXXX c/o XXXX {$1000.00} for XXXX opened XXXX/XXXX/XXXX XXXX. Midland Funding LLC {$410.00} for XXXX XXXX XXXX XXXX opened XX/XX/XXXX5. Midland Funding LLC {$1600.00} for XXXX XXXX XXXX XXXX These were all disputed removed and are now being put back on with different amounts and I still havent recieved any proof that I opened these accounts. When I call the original company the company has no record of me in their system.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2017 about Debt collection (Credit card debt) with Modlin & Associates, P.A. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I am a XXXX veteran who opened a business as an XXXX in XXXX. In XX/XX/XXXX, a card from XXXX XXXX was opened in my business name. I was aware that an offer was being made to open up an account with them, however, the partners never agreed to move forward in doing so. In XX/XX/XXXX I noticed that several purchases was made through XXXX XXXX. 

I was informed that this account was opened in my name via over the phone. I terminated all cards that came with the agreement and called XXXX XXXX to informed them to send me a copies of a signature to see who authorized the account. I never received any confirmation from them with such documents. 

I never received any statements after XXXX because we moved the business and changed our mail box account. My name was taken off of the business in XXXX because of my weakened health conditions of my XXXX. Received complaint in the mail on XXXX XXXX. Need to respond to amended complaint in next 20 days. We do not agree to the amount that is owed ( {$7000.00} ). We will be responsible for {$2500.00} at the most. What can I do since I ca n't represent myself in this matter. I have no funds to contribute to this because I have utilized everything I save up to start up my business. I filed a motion to dismiss for lack of standing and supporting memorandum in which it was denied on XXXX XXXX, XXXX counts 1 & 2 was dismissed but the judge is holding me on counts 3 & 4 which includes the account stated documents.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2017 about Debt collection (Other debt) with PAYPAL HOLDINGS INC. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: My PayPal XXXX XXXX was stolen as I was walking into the store and the person stole it from me while I was not looking. I thought at first I just misplaced it at first but then I saw he sent me XXXX as a personal/gift payment which I know does not have protection for the buyer or seller. He then proceeds to immediately spend the money at a fast rate all at different XXXX stores. He first spends XXXX, XXXX twice, XXXX and lastly XXXX XXXX, as you can all on XXXX XXXX, XXXX. As you can see from my history I do not spend this have this kind of money and would never spend that large of money with my PayPal XXXX. What I am guessing is this person did a money order from XXXX and bought them quickly so he can take advantage. After this, this caused my account to go to into limitation and PayPal XXXX told me they notice some unauthorized activity and it froze my account. PayPal can even check the ip address to show some XXXX other went inside of my account to send me the money and send the money to somewhere else. Then on XXXX XXXX he did a charge back which caused my account to go in the negatives of - XXXX. I then proceed to dispute it with PayPal, but they did not help me because he sent the money as a " gift '' instead of sell and services. So I was out of luck and now PayPal is coming after me when I can not pay for this and this is not my debt. Tried everything with PayPal, I kept calling them and they will not do anything.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I am submitting a complaint about my student loan .I have received letters informing me that XXXX is reporting to the credit Bureaus that I am 90-120 day late payment mark for XX/XX/XXXX and XX/XX/XXXX. In which is incorrect. XXXX send me a letter showing I was covered under deferment from XX/XX/XXXX to XX/XX/XXXX so on all my 3 credit bureaus it should not reflect as late payment I am asking for removal of late payment on my credit.The information that they responded to me is unlawful practices that the company displays and 90-120 day late fees should be removed from All my 3 credit bureaus, My credit score is suffering immediately because of the mistakes and this issue should be resolved expeditiously. I am attaching letter showing I was good for those 2 months. Also include pictures of the loans their are stating was late.

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 08-09-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Rent Recovery Solutions (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: THIS COMPANY IS ILLEGALLY TRYING TO COLLECT A DEBT I DO NOT OWE. IVE REACHED OUT TO THEM SEVERAL TIMES ABOUT THIS ERROR ON MY CREDIT REPORT AND NOT ONLY ARE THEY REPORTING IT ONCE BUT THEY ARE REPORTING IT TWICE. IVE BEEN REACHING OUT TO THEM FOR OVER A YEAR AND THEY KEEP SAYING ITS FIXED BUT ITS NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2016 about Debt collection (I do not know) with Navient Solutions, LLC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Pre-recorded messages are being left on our answering machine. We have had this number since 2004, and we have no outstanding debts. Other debt collectors call our number asking for people we have never heard of who perhaps had our phone number prior to XXXX 2004. The recording identifies this company as " Municipal Services Bureau '' with a phone number of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2017 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Hi Equifax and CFPB On several Occasions asked for my phone number to be updated and any old numbers to be removed, I all most lost my XXXX phone because they could not go forward due to my phone number not being correct on my Credit fraud Alert. Please remove all old numbers and add My Current Number XXXX This is the number to be listed. Please again remove the Old one you have listed in the Alerts. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I requested a copy in writing from Annual Free Credit Report of my credit report ; I received a notice from XXXX and Experian stating they had sent it to me ; I did not receive a report from XXXX or Experian ; ( Note : I did receive my free copy from 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 non-monetary relief
Consumer complaint received 07-05-2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX placed a negative report on all XXXX reporting agencies. They never contacted me first. 
I spoke to Experian who told me to contact XXXX. I called XXXX XXXX Friday XXXX XXXX 2015 and spoke to XXXX XXXX. He said he would register the complaint. 
XXXX was charged and convicted by CFPB Colorado for same illegal practice in XXXX 2015. 
XXXX XXXX by using XXXX support these illegal activities. I do not have any debt everything is fully paid for. I have never not paid a bill. I have never been late paying a bill.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-07-2015 about Debt collection (Credit card) with NORTHLAND GROUP INC (MN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I am a victim of identity theft and do not owe a debt to Northland Group Inc., XXXX A representative from Northland Group continuously called me back and harassed, verbally abused me and threaten me with being arrested by the XXXX Sheriff's Office of I did not pay the debt off. Northland Group Inc., is in violation of the Minnesota Debt Collection Laws and the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/26/2015 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (AR).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX XXXX XXXX XXXX had originally provided us with XXXX ( XXXX ) beginning in XXXX 2013 and was covered under our health insurance at the time. The new insurance card was sent in ( under the same job/insurance provider ) around XXXX 2013 and a couple of months later when we called XXXX to refill the prescription they notified us that the insurance was now out of network and they would no longer be able to fill our prescription. This not only severely jeopardized my wife 's health but left us scrambling to find a new provider and going weeks without her weekly therapy. They notified us at this time that they would " take care '' of the insurance problem and we would not be responsible for any added costs due to what they described as " their XXXX ''. It was at least 6 months later that we received the first bill which included the charges incurred during this period of time. We have tried multiple times to contact XXXX and every time we have been told by them they would contact their supervisor and discuss our case and call us back. They have never called back to discuss these issues. The account has now been sent to a collection service who is attempting to collect on the debt which is XXXX % more than the out of pocket maximum under the insurance plan. XXXX has never been able to give us a straight answer regarding this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Year XX/XX/XXXX-XX/XX/XXXX various companies. I have no clue who 97 % of them are.

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