milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/22/2016 about Debt collection (I do not know) with Solidus Group LLC. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company keeps calling my number and I AM not the person they are looking for. I have told them to remove mu number. I WAS called a lie and they left me a message and said, I hu on them but I did n't. They hang up on me every time I try to tell them they have the wrong number. I Spoke to a supervisor and he said, he removed my number, but I got a call today. They are so rude and I have told them and told them stop calling. They say their name is XXXX XXXX at XXXX. So how can I make this stop.

Company response to consumer: Untimely response
Consumer complaint received 04/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NE).
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: See Highlighted Complaint #  1  : Equifax,  XXXX  of the  XXXX  national credit bureaus is reporting a " Public Record '' of a  Federal Lien on  my credit report. The other  XXXX  agencies,   XXXX   &  XXXX  are not reporting this lien and have never reported this lien. I have tried numerous times to dispute this item and continue to be unsuccessful.    1.  It tells me to contact the  XXXX  County Courthouse-I have called the phone number listed on the report,  XXXX , it is NOT a working number.    2.  It tells me the address is  XXXX   XXXX   XXXX   XXXX  in which the address is actually  XXXX   XXXX   XXXX   XXXX ,  XXXX  Floor.     3.   It tells me the Case or ID # -  XXXX  ... I visited  XXXX   County Court,  in person, they have no record of this case number. They told me their cases all begin with either a SC or CI.   4. In this very same report copy,   XXXX   listed an additional Social Security number for me. I have one Social Security Number, the one I used to obtain this report. They did remove the other Social Security number. Perhaps this lien went with that number?   5. I have no other proof to provide either way on this lien because it is NOT mine. I do NOT owe the Federal Government anything.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2016 about Debt collection (I do not know) with JPMORGAN CHASE & CO. (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Received a call from a young man on XX/XX/XXXX around XXXX telling me he had legal documents to deliver to me. I explained I was driving and asked for a number to contact them at. I asked that he call me back and leave the info on my voicemail which he did. Was provided XXXX and a File #. 

Called them XX/XX/XXXX @ XXXX CDT and asked who they were. I was transferred several times and then told they did not have to give me any information at which time the lady started calling me a loser and began berating me. She hung up. I called back and was again berated by the same young lady who would not provide me with any information and told me my case was turned over to the IRS and that now I was really going to have problems. Referred to me as a loser every time she addressed me. I explained that I needed to know what the call was about and she said Chase bank. I explained my last dealings with them was quite long ago and that it was likely out-of-date. she said no and they were going to sue me but would not provide any info as to who they were. Called them 10 times and they would not talk to me or give me any info just continued to berate me. I have no names because they would not provide any. They must know when I call because now it goes straight to the voicemail. 

They know we ca n't afford lawyers.

Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2016 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (NY).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Wells Fargo is the lender of this private student loan. The lender had been informed of my financial hardship for over 12 months. They had denied consolidation, lowering monthly payments, and finally when they offered a forbearance, they mentioned that I had to pay three months of on-time minimum payments. I have student loan debt that is triple my income. In monthly payments alone, a total payment equaling {$1300.00}. I had been through periods of time not receiving timely paychecks due to a public service related job. The three months of payment would have been fulfilled to receive the forbearance, but Wells Fargo failed to inform me that the payment was short of {$67.00} to fulfill the three month terms and receive forbearance. It was less than 24-hours from the time the payment was attempted to be made to the time the loan went into default. The statements always mentioned only the past due amounts and did n't clearly state the minimum payments. When I addressed the issue with Wells Fargo they were rude and aggressive. There were no options to reverse the default. They ruined my credit for over a year without assisting in any manner. The supervisor ( XXXX ) in the recovery department harassed me and treated me with no respect. I have countless records of trying to request payment assistance from this corporation. They also told me they reviewed my income and expenses but when I told them my expenditures for groceries and gas to carry-on my job, they told me that those were n't essential to determining sufficient payment.

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 06/18/2017 about Checking or savings account (Checking account) with WHITNEY BANK - NEW ORLEANS MAIN BRANCH (LA).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: Using the   XXXX   XXXX   app on my phone the bank will not send over info for my account like they should. They update every few days instead of a few times a day so everything is always behind rather than up to date like it should be.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2017 about Debt collection (Other debt) with CCS Financial Services, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: On  XXXX   XXXX ,   XXXX  , I received a notification that there was a new collection added to my   XXXX    credit report. When I went into my account there was a collection from CCS Collections in the amount of {$680.00}. The date reported was  XXXX / XXXX /  XXXX   and the date assigned was  XXXX / XXXX /  XXXX  . This is the only information I have regarding this matter.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with JPMORGAN CHASE & CO. (CT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: XXXX XXXX XXXX XXXX XXXX is misrepresenting the date of default to XXXX in order to bypass the 7 year limitations period for reporting derogatory information. 

The date of first default was XXXX because the promissory note clearly states default occurs when a Bankruptcy proceeding is initiated by me. ( Page XXXX Paragraph I ( XXXX ) ). 

I filed Chapter XXXX Bankruptcy of XX/XX/2008 and included this alleged debt in the matrix of creditors. The creditor was served ( See service of process ) and a discharge was ordered on XX/XX/2008 ( see discharge order ). XXXX did not object to the discharge order. 

Finally, this note was falsely labeled by JP Morgan Chase as an educational loan but I was not a student when the loan was issued. I was in the hospital and no longer enrolled at the University XXXX. Furthermore, the University XXXX failed to certify the loan, and the check was not made out to the University XXXX. The interest rate was over 20 %, and required a cosigner. 

I never made a payment on this account. The only payments made were by my grandmother. The debt collector was extremely abusive, calling my grandmother several times per day demanding {$100.00} payments and increases in payments, even while she was in XXXX. She was XXXX when this debt collector continued to harass her by calling frequently to obtain additional payments before her death. 

The loan 's proceeds were used for gambling and other personal expenses. I was not a student and the loan was falsely certified.

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (CO).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I am beside myself. I have been working on repairing my credit for several years. I had one XXXX credit card left over that was sold to Midland Credit Management , Inc located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX CA XXXX. Phone number XXXX. I have read terrible things online about this debt collector, especially that they try to collect on debts that are not existent. I have received many scam phone calls and letters over fake debt in the past, so I am very careful. I have called this company repeatedly and there call center is outsourced to XXXX. The representatives do not listen, they just keep repeating the account number and the debt amount due. It is my full intention to pay this debt and have offered so to this company. I am the one calling the debt collector trying to pay the debt off. I did not have a payment plan with them and I have made 3 payments to them since I received their first letter. Payments have been made XXXX XXXX, 2015, XXXX XXXX, 2015 and XXXX XXXX, 2015. I have offered to make another payment this month, XX/XX/XXXX but they said there is not a payment due until XX/XX/XXXX. They are now reporting to all XXXX of my credit bureaus that my account is seriously past due and that I have not paid for over 120 days or have missed XXXX payments. When I spoke them today, XXXX/XXXX/15, for the second time, ( put on hold and transferred to multiple people for over XXXX minutes on each call ) they said they do not report late payments, but I am looking at my credit reports with the XXXX bureaus saying they stated the above. My credit went down XXXX points overnight from them hitting my account besides the initial hit on the original debt from XXXX. Please help I am trying everything and paying these people at the same time. They are reporting derogatory to my credit every XXXX weeks which I can see since I have credit monitoring. On today 's phone call they said they would send another report to the bureaus which would still say the same thing about being past due and I am not past due. I must not be the only one this is happening to. I am so distraught, I am pregnant and we are trying to buy a house and this debt collector has free reign to do whatever they want with my credit while I am paying them. This has to be against the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-06-2015 about Student loan (Non-federal student loan) with Law Office of Michael J. Scott, PC (TN).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I got this student loan through XXXX XXXX XXXX, not it is being handled by Scott & Parnell. My Grandmother got this loan for me to go to The Univeristy of XXXX in 2005. Since college I have barely been able to pay all of the bills I have because I ended up having to care for my elderly grandmother who became ill over the years. I have tried to negotiate with them, but they told me I have to pay the total amount up front. I could either do that or pay {$500.00} a month. Since I have not been working that is out of the question. I tried to neotiaate a payment years ago and they told me it was not negotiable. I believe that this loan is past the statute of limitation for suing me based on the paperwork I have.

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Alliance Data Card Services (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I had an  a CCB/PayPal account 7 years ago. I canceled my account 7 years ago. CCB/Pa yPal continues to request my credit report from  XXXX , and  XXXX . Upon calling them, they have refused to take the enquiry off. I have not authorized them to pull my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-08-2016 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 is not mine

Complaint: I lived in XXXX XXXX because it was required of me when I accepted the job as a manager. I never signed or was bound by a lease. I lived in the apartment for the time I worked for the apartments and when I was no longer working as manager I moved out of the apartment. There is absolutely no reason this erroneous debt should be reporting on my credit file!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On XX/XX/XXXX I filed dispute with Experian and XXXX that collection agency XXXX XXXX XXXX ( XXXX ) with account number XXXX {$3400.00} is not my account and failed to send me validation and they refuse to removed collection from my account that was not opened by me. However XXXX  deleted the item from my credit report back on XX/XX/XXXX. I will like to have negative item removed from my report and I also attach a document showing XXXX  deleted the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AR).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I reached out to XXXX, Equifax, and XXXX  and explained to them that I did not authorize my credit to be ran by these companies and wanted the information deleted off my credit report. I was spoken to rudely.The issue was never fully resolved. The inquiries were removed at one point and were eventually placed back on my report and I was never notified the inquiries were placed back on my report. According to the FCBA that is against the law. I am requesting that XXXX, Equifax, and XXXX to remove all inquiries pertaining to auto loans due to not being notified. The inquiries are as follows : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I have tried several times to get an accountXXXX XXXX XXXX XXXX and XXXX XXXX removed from my credit report. I am not the owner of this account and have sent letters several times disputing this inaccurate information. The reporting company just keep sending a statement back saying the information has been " verified and updated ''. I have requested the description of the procedure used to determine accuracy to no avail. I have been battling this problem for 90 days now. I need any help that can be provided. 

Kindly, XXXX 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 non-monetary relief
Consumer complaint received 09/28/2017 about Debt collection (I do not know) with Navient Solutions, LLC. (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Beginning approximately six weeks ago with weekly calls, now someone calls me nearly every day from the number XXXX and leaves a message stating that they are from " XXXX '' and are calling to collect a debt. They say to call back at the number XXXX. I have called both of the numbers back, and first it says I have reached a " non-working number '', then immediately rings again and a recording states that I have reached " Navient ''. Once, after going the long way through their IVR, I finally got to a person, who immediately asked for my SSN. I refused to give it to him, because this obviously sounds like a scam, and asked why they keep calling me. I was told that they ( Navient ) deal in student loans, and I told him that I have never had a student loan. He then confirmed that they have no record of my phone number tied to any account in their system, and also said that they are not affiliated with any company called 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 03/20/2017 about Credit card () with Alliance Data Card Services (CA).
Issue: Billing disputes

Complaint: I started a dispute via PayPal for an XXXX purchase. Paypal told me that they would refund my money as soon as returned the item. I returned the item provided PayPal with evidence of return via XXXX tracking and a picture of the package with the tracking number and return address. Paypal is denying my refund saying I did n't return the item even though they have pictures of the return.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/24/2017 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (MO).
Issue: Credit decision / Underwriting

Complaint: I HAD TO FILE BANKRUPCY XX/XX/XXXX AND XX/XX/XXXX. I DID GET BEHIND IN MY MORTAGE PAYMENTS. WI TH WELLSFARGO. INSTEAD OF WELLSFARGO HELPING ME MODIFING MY LOAN THRU HAMP, WHICH EXPIRED XX/XX/XXXX. THEY USED THE HARP WHICH REALY I DID NOT NEED TO BE IN. I NEED A JUDGE TO ORDER WELLSFARGO TO GO BACK AND SEND MY LOAN THRU THE HAMP PROGRAM. OR I WANT TO SEEK LEGAL ACTION ON MY LOAN. I HAVE BEEN IN MY HOME SINCE XX/XX/XXXX. 
I AM NOW PAYING A 9.25 % INTEREST RATE. CAN YOU HELP ME SEEK LEAGAL ACTION., I HAVE A LOT TO TELL YOU ABOUT MY LOAN IN PERSON. WELLSFARGO DID NOT TREAT ME RIGHT UNDER THE SONSUMER FINANCE ACT. I AN NOW UNDER CHAPTER XXXX TO KEEP MY HOME. I ALSO HAVE A CREDIT OF {$330.00} FROM A CLASS ACTION SUITE , AND THEY WILL NOT GIVE IT TO ME. I ALSO HAVE ANOTHER CLASS ACTION SUTE, ( NOT GRANTED YET ).

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 07/16/2016 about Debt collection (Medical) with Frost-Arnett Company (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX is billing me for an appointment I did not make but that a nurse scheduled for me.A no show appointment. I never was a patient of this XXXX but I called and spoke to a nurse about pain I was having and she suggested an XXXX but I was unaware that she scheduled one for me then I got a bill for no show. I have tried disputing this with XXXX XXXX and also XXXX.I was a patient of a different XXXX XXXX XXXX XXXX once you see any XXXX all your personal information is in their system. So she had access to my information and scheduled me an appointment without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CCS Financial Services, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I was insured through XXXX XXXX for over 8 years, all of which i enrolled in auto draft payments from my bank account. When i purchased a new vehicle, i was told that were not offering full coverage anymore and i got a policy with XXXX. I requested in writing via email to cancel the policy as i no longer had the vehicle and in fact had new coverage elsewhere as of XXXX XXXX, 2016. I then called and had the automatic payments cancelled as i was not going to pay for the services that i no longer needed. I was told i would get a full refund for the previous month since i had financial responsibility elsewhere. I forwarded a copy of my current insurance and was told over the phone i would receive XXXX back via check ( my monthly premium ) I have since received a collection notice for XXXX and have called the collection agency as well as XXXX XXXX and was told that it would get corrected. That was over 30 days ago, and the collection is now reflecting on my credit report. I am not responsible for XXXX and in fact i am OWED XXXX Please help me to resolve this as i am not having success via email and phone calls to XXXX and want my credit report cleared and my refund. 

Thanks

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
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 recently reviewed my credit report and found a late payment. 

Creditor : XXXX XXXX Account # XXXX I was never 30 days late int he month of XX/XX/2017. 

Im not sure how this happened, I believed that I made my payment one time and promptly each month my statements were received. My only thought is that must have been billing error with my statement.

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