milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/20/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Resurgent Capital Services L.P. (WA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This collection agency has been harassing me for months. I have asked them on more than XXXX occasion to validate this date. They have sent my letters of validation back to me twice. I have asked the credit agencies to look into this and dispute this information ; however, they have not been successful and they report that XXXX XXXX would send me verification ; however, they have not provided any additional information. XXXX weeks ago, I received a letter from a company called XXXX XXXX saying they brought this account from XXXX. XXXX is not following XXXX XXXX XXXX. Under the Fair Debt Collection Practices Act ( FDCPA ), Debt Validation gives you the right to request written proof from a collection agency, that you owe them a debt ; it also gives you the right to remove any inaccuracies on a debt and the right to request debt elimination.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: On XXXX XXXX, XXXX my wife and I went to obtain a pre qualification for a mortgage. Once our credit reports came back, I noticed immediately there were reports of delinquent payments from Navient on my credit. I knew for a fact that I have never missed a payment with Navient, nor have I ever made a late payment. After finding out this surprising information I checked my account history online at Navient 's site. My account history goes all the way back to XXXX, XXXX and shows not one single missed or late payment. 

On XXXX XXXX, XXXX I decided to call the Navient customer support line to get this issue resolved. I spoke with a XXXX ( Representative Number : XXXX ) who confirmed that my account is and has always been in good standing. XXXX also noted that my account shows no late or missed payments, thus proving that I have been incorrectly reported to the Credit Bureau. XXXX explained to me that the only way to dispute this would be to write a letter to Navient 's Credit Dispute Department with a copy of my credit report showing the negative marks and any proof I had that this was a mistake. Unfortunately, XXXX also stated that there is no phone number, email or fax number to contact the Credit Dispute Department at Navient, or anyone at Navient headquarters. Naturally, I was dumbfounded by this. How can a company have no phone number, email or fax line? This obviously raised a lot of red flags for me. The next day I sent a certified letter to the provided address for Navient 's Credit Dispute Department and sent along my credit report and proof of all my on time payments. 

On XXXX XXXX, XXXX I received a response from the Credit Dispute Department in my Navient Account Inbox stating that " the information we 're reporting to the consumer reporting agencies is accurate and that no corrections are warranted ''. This left me pretty enraged. I has proof directly from their website showing no missed or late payments and even had an employee of Navient state that that my account is and always has been in good standing. On top of this, I also became very concerned that Navient provided me with no proof of these apparent delinquent payments. All that was given to me was a letter saying basically that I was wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint: I have contacted the bureaus ' one by one without avail. I have called, asserted, and expressed my displeasure to the companies at large, on X/XX/2013. I was requested to send in a XXXX of my photo identifying me along with a recent bill in the name and social security number. I completely satisfied their demands. Only to wait thirty days to receive a reply from XXXX stating that they needed more Intel to complete and/or look into my request. 

What the heck! 
I felt XXXX, discouraged, and disparaged at the least. 
All the credit bureaus ' have illegally hoarded my personal information unwittingly to my knowledge and without my consent in any form especially in written form as required. In pursuance to the XXXX privacy act all of the credit bureaus ' i have listed not limited to FICO, XXXX XXXX, TRANSUNION, XXXX, & XXXX have blatantly and intentionally violated all privacy rights and allowed my personal information to be leaked and disseminated due to their false and misleading ways. 

Relative to the Fair Debt Collection practices act all of the credit bureaus ' aforementioned in this complaint have maliciously and collectively worked in concert by unlawfully distributing consumer personal data for profitable gain at the expenses of pain and suffering of those so inflicted by the course of their willing and intentional violation. It is my request to have the CFPB to advocate on my behalf, to have all of my personal and sensitive data completely removed from every database my information is held by the aforementioned above. It is a great disgrace, that the aforementioned and above-mentioned engaged in pursuance of filthy lucre at the expenses of many consumers by such fraudulent means. 

I have suffered humiliation, XXXX XXXX and credit disaster because of it. It has greatly decreased my capacity to attain credit for housing, transportation, and it has incapacitated me from career opportunities. i have been XXXX and hospitalized because of it in the past. I request punitive damages for my XXXX, financial pain, and suffering -- also for the prevention of the huge number of failed opportunities these criminal violator 's have caused me. I do not consent to a class action suit. This is personal for me and I 'd like it to be addressed as such. I also would like to express my eternal gratitude for the CFPB protection of my family and household.

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 06/28/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: Last Friday ( X/XX/2017 ) I went to a Bank of America located in XXXX XXXX XXXX Florida. I asked to withdraw XXXX to make a purchase from a private party and the teller told me that I could only withdraw XXXX. I had over XXXX in my checking account. I let the teller know I 'm actually a Vice President for Bank of America and I 've never heard of such a policy. <P/>I would not keep so much cash on deposit at Bank of America if I knew that I could n't get it out when I need it. Someone brought me into a Merrill Lynch marked office after the teller said he 'd get someone to help me. I 'm a ML client so I was hopeful that the Financial Advisor would be able to help me but it turned out that I was talking to the Branch Manager who was illegally working out of a Merrill Lynch office which is clearly against Bank policy. <P/>The Branch Manager " XXXX XXXX '' told me he could only let me withdraw XXXX. I ask him to give me an explanation of why I can not withdraw my own money and he told me since I work for Bank of America I should know what the policy is. I vehemently protested to the idea of limiting my teller withdrawals and if this was the case it would need to be disclosed properly to the consumer. <P/>I asked to see this supposed policy in writing and the Branch Manager refused to show me anything in writing. I let him know that this was a major offense and a breach of contract that I do not take lightly. I asked him how to submit a formal complaint against him and once again he tells me that since I work for the Bank that I should know how to complian against him. <P/>I ended up withdrawing XXXX since I had no choice and I immediately called the Bank HR department to complain. Bank HR forwarded my call to XXXX XXXX XXXX XXXX who they claim is an independent 3rd party. I have good reason to believe that XXXX XXXX XXXX XXXX is actually a associate for hire that is paid to hide and even to suppress complaints. It has been 3 business days and I have still not heard back from either Bank of America or XXXX XXXX XXXX XXXX. <P/>I have been on a medical leave of absence for a few months and prior to going on leave I tried to report several compliance violations that I 've witnessed while working for Bank of America. I was treated very rudely by a XXXX XXXX XXXX XXXX Supervisor and I luckily have a recording of the whole 3 1/2 hour phone call since the first Rep. I talked to gave me her permission to record. <P/>At this point I have no choice but to seek legal action on behalf of all the other employees and consumers that are being wronged by Bank of America. I would like to hear from someone in your organization to discuss these matters in greater detail. I am hoping that the CFPB will be able to help bring light to these matters.

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 04-04-2016 about Credit card () with IMC Capital, LLC (FL).
Issue: Unsolicited issuance of credit card

Complaint: Unsolicited XXXX credit card sent by IMCA Capital. They appear to be trolling for new accounts. This card I do not need and did not request.

Company public response: Company believes complaint relates to a discontinued policy or procedure
Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with SYNCHRONY FINANCIAL (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: A boyfriend of mine left me. I am a XXXX and he took everything that he owned while I was on the road. Now I have a debt collector and Ashley Furniture calling, harassing, and threatening me on a continuous basis as if I purchased this furniture from them. I have talked to them numerous times and advised them of this but they continue to call and harass me. I want the calls to stop immediately. I do not have a debt with them and have never signed a contract with them. Their issue is not with me and I find it ridiculous that I am being held responsible for this. I also find it asinine that they can contact me because of word of mouth from him. They have threatened to lock me up twice. How can a company get away get away with such blatant disregard for proper placement of responsibility. They have told me that they are going to advise him to have me locked up for his debt.

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 10/25/2017 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: Information belongs to someone else

Complaint: Affidavit of Demand by XXXX XXXX XXXX XXXX OF XXXX COUNTY OF UNITED STATES The undersigned, XXXX XXXX XXXX, being duly sworn, hereby deposes and says : 1. I am over the age of 18 and am a resident of the XXXX of Pennsylvania. I have personal knowledge of the facts herein, and, if called as a witness, could testify completely thereto. 

2. I suffer no legal disabilities and have personal knowledge of the facts set forth below.
3. Date : XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX I am sending you a Letter of Demand Under Section 604 of the Fair Credit Reporting Act. I see you put an inquiry on my credit report. Please provide me Permissible Purpose of your inquiry. Please provide me proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FRCA section 623. Please provide me Written Authorization, the original contract copies of my signature that I initiated this Inquiry. I have been a victim of identity Theft. Please see my 10-page attachment ( Your Duties Under the Fair Credit Reporting Act ) concerning Fair Credit Reporting Act sections 604 and 605B laws. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this re-investigation within 30 days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

FTC Identity Theft Report Number : XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA 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 06/23/2017 about Vehicle loan or lease (Loan) with PRESTIGE FINANCIAL SERVICES INC (NV).
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint: XXXX XXXX 2017 i have see it on my credit report, prestige financial was report me as repossession, even though i was sold to the XXXX XXXX, if they wasnt take the deal, XXXX XXXX would return the car for me, but XXXX XXXX has never contact me about the car need to return, and prestige was just deal with them without my permission, or place me on repossession. which is unacceptable. if the XXXX XXXX call to come and get the car back i would went to pick up the car with them, without XXXX XXXX call i cant do anything since i have sold the car to them. i want them to remove the repo off my credit since it 's not my fault. they both deal with each other without letting me know that they are processing to repo. sold the car but repossession on the credit report without knowledge

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Debt collection (Other debt) with NRA Group, LLC (HI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: In just the past month ( XXXX XXXX ), without any prior notice whatsoever, I have found a collection that has shown up on my credit report. I only found out about this through checking my credit score. The XXXX XXXX XXXX only had my name and a completely fraudulent phone number for me that I do not recognize. The NRA claims that I have a collection from an outstanding bill from XXXX from XXXX XXXX. I never had a account with XXXX in XXXX. The address associated with this account is an address that I moved out of in XXXX XXXX. When I left, I closed my account with XXXX, and transferred the service to a woman who took over my room and lease in this apartment. I confirmed that I had closed out my account with XXXX in good standing in XXXX. I never had an account with XXXX since, and I am not responsible for any outstanding bill from XXXX. Even the woman who took over the account confirmed that she closed the account and moved out of that apartment in XXXX XXXX, so this claim is completely fraudulent.

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 07-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (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: I have disputed the account listed below with all three credit reporting agencies and they said they did an investigation and verified the information first hand. This was a complete lie because all of the information is different and this may not even be my account. They are violating my rights and I am trying to prevent bringing legal actions upon them and that 's why I 'm reaching out to you. The investigation was n't done properly nor did they send me and information like an original contract that says I signed up for this account. The disputes were sent out in XXXX, XXXX, & XXXX notarized & certified and I keep getting that they are verified. I have disputed this information multiple times and sent the following email attached to the creditor.

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 07-06-2015 about Bank account or service (Savings account) with NAVY FEDERAL CREDIT UNION (TX).
Issue: Deposits and withdrawals

Complaint: This is Not A Duplicate, XXXX XXXX I Lost My Wallet With My Bank Information In It! I reported It As Soon as I Gotten Home! Navy Federal Did Not Close My Account! On The XXXX Of XXXX {$5000.00} Dollars Was Deposited in My Account and When They Took The {$5000.00} They Took My Income tax Money from Checking and Savings Checking Navy Federal said {$570.00} They Supposed To Have Send Me and Still Have n't Receive Yet! They Have n't Credited Me With The {$1500.00} I Had In My Saving! I 'm Not Satisfied at All.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2018 about Debt collection (I do not know) with Receivables Performance Management, LLC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Send debt validation letter on XX/XX/XXXX. Debt validation letter was delivered via USPS certified mail on XX/XX/XXXX. Company has not responded. 

Tracking number : 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 05-07-2016 about Consumer Loan (Installment loan) with CITIBANK, N.A. (PA).
Issue: Managing the loan or lease

Complaint: Complaint : CitiMortgage, XXXX & XXXX posted our mortgage payments from XXXX XXXX to present year XXXX and called to collect over the phone payments ( EFT - electronic funds transfer ) for the ( ACH - automatic check handling ) payments in the form of personal checks already posted to our account, assessed us late fees for additional payment applied to principal ( misappropriated installments including XXXX PA real estate taxes, city of XXXX PA taxes and XXXX Area School District Taxes ), reported out posted late to national credit bureau XXXX XXXX and XXXX when our Mortgage insurance payments were never late, our CitiMortgage note terms should have been stated in rider when servicing changed ( XXXX of the month due with 15 days grace period ) we were never late greater than 10 years of payments, applied additional fees for servicing, denied loan modification application, denied refinance application, denied federal application for HARP, added additional interest on our original note dated XXXX XXXX with fixed 5.5 % interest backed by XXXX and added additional finance fees on top of the finance fees assessed on our settlement document, thus misappropriated our mortgage financing with interest payments reporting us in foreclosure as delinquent - erroneously. We wish to receive legal writ of satisfaction for all mortgage payments applied to principal and mortgage loan note. We provide the attached uploaded document record of all carbon copy personal checks log, and printed franked records made available online. We wish to include class action notice with XXXX c/o XXXX and have not received any payments nor listed us for XXXX records. CitiMortgage, XXXX & XXXX have exceeded 7 - 10 days written response to our letters, exceeded the 30 day investigation thus escalating our qualified requests in writing for mortgage principal payment adjustments citing additional yearly payments applied, denied request for reverse late fees providing franked records of posted payments withing the note guidelines, and failed to refund monthly monies assessed accordingly. We provide detailed documents to stop phishing, harassment, imposing XXXX, undo stress and deformation of character. We seek restitution thereof, to be made whole, and immediate writ of satisfaction ( mortgage paid in full ) immediately.

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 01/30/2017 about Debt collection (Medical) with Express Recovery Services, Inc. (UT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My name is on a debt with a collection that is not mine. I never signed anything to be responsible for this medical bill.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 09-05-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (PA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: My loan transferred from XXXX to Navient in XXXX. Upon the transfer, I looked at the Navient website to make sure the details were accurate. The loan amount and the projected last payment date were incorrect. I contacted Navient to have them conduct a review of my account. They sent a document that would not be discernible to anyone. It did not answer my question. 

I called Navient on X/X/17 to gain an understanding of what was happening on the account. The Representative advised me that the date was correct. I asked for proof of the date being correct. She informed me that no one was going to send me a spreadsheet of the payment schedule. By Navient 's calculations, I currently owe approximately {$17000.00}. By their payment calculation date, I would be paying back {$63000.00} on a loan of $ XXXX - that is {$44000.00} in interest!! I was told a different payoff date from XXXX. They communicated that I would be completed my student loan in XXXX. 

Navient refused to help me. They insisted that their calculations were correct. They would not conduct a review of the account. Even when I explained that $ XXXX  in interest is outrageous and makes no sense from a mathematical perspective, I still received the answer no one is going to assist me. 

Please help me with making this company acquiesce to a reasonable request, and review my account mathematically - not just because their system says so. Technology and Systems can be wrong and have bugs. I believe they are overcharging me and they refuse to help explain it. 

Thanks, XXXX Thanks, XXXX

Company response to consumer: Closed with explanation