milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/15/2018 about Debt collection (Payday loan debt) with JH Portfolio Debt Equities, LLC (NJ).
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint: On XX/XX/2018, I received a phone call from XXXX XXXX XXXX advising they were attempting to collect an outstanding debt which was transferred from XXXX XXXX. The amount was for {$20000.00}. He was interested in setting a payment plan to repay this amount. At this time i advised the rep with this company I was involved with a debt mang company, he was provided with the name and phone number of the debt mang company. he stated they have dept that works specifically with debt mang programs which would not be an issue. On XX/XX/2018, i contacted my debt mang program to inquire if XXXX contacted them they did not. I reached out to XXXX  to inquire on why they did not, they stated the number did not work. The number again was provided with an extension, which has been the same number i have been using to contact the mang company with no issues. On XX/XX/2018, i spoke with the mang company and asked if XXXX  contacted them they had not. I have not heard from XXXX since XX/XX/2018. This amount of {$20000.00} is currently listed on my credit report as an active collection record which hurt my credit drastically. besides the phone call the credit report was the only other way i knew what was going on with this loan. also the creditor listed for this account is JH PORTFOLIO DEBT EQUITI.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Penn Credit Corporation (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: I recently received a letter from a collection agency for a debt that is 25 yrs old from the Public Defenders Office, I 've done some research on the matter and have an understanding it 's a time barred debt according to 2A:14-1, also reporting a collection is 7 years, furthermore, through my research I conclude that 25 years is past any statute of limitations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (DE).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My sister 's name is XXXX XXXX. I am XXXX XXXX. Some of her collections have shown up on my report. I pointed this out clearly to Enhanced collection agency through my disputes with the credit bureaus. They left it on my file. This is a willful violation of the Fair Credit Reporting Act Section 623 ( a ) ( 1 ) ( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax is randomly generating the answer to if I 'm effected by the latest hack of 143 million Americans personal identifiable information. This is misuse of my credit report. They have let 143 Million Americans personal data into the wild for all of us to be victims of identity theft. They profit from " monitoring '' this kind of fraud. It 's absolutely unbelievable. It 's the kind of conflict of interest that makes me wonder about this society. It 's fraud. It 's all a fraud. On top of this, their system to check and see if I 'm effected is randomly generated because I doubt they actually know how many credit reports were stolen. The rest of my life I will be forced to purchase from them or the other two, some kind of service to make sure i 'm not hacked. Let alone the fact that anyone could have my identity and use it outside the credit system, i.e. XXXX XXXX XXXX. I 'm suing in open court. I 'll represent myself. The government will not help me. I 'm sitting here in the aftermath of XXXX, and I 'm shaking with rage right now. It 's not like I do n't have a million things to do. I 'll just have to add this to the list. I 'm pretty much done with this society. I 'm going to do everything in my power to become a XXXX XXXX citizen. I have no want to be an American anymore. It 's a sham, all of it.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: This account regularly reports negative information and reports as if the account when it was closed nearly 4 years ago!

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: I was told that I could not open an account with Bank of America because of a delinquent account from 2011. But I am only XXXX years old so common sense should tell them I could not have opened an account with them in 2011 because I was still a minor in 2011. 

I have no knowledge of this 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 01-05-2017 about Bank account or service (Checking account) with CITIBANK, N.A. (CA).
Issue: Account opening, closing, or management

Complaint: Citibank advertised the promotional bonus in XXXX stating that after 30 days of satisfying the deposit requirement ( of new {$15000.00} ), {$400.00} bonus would be deposited in the customer 's account within 90 days. I opened a checking account and deposited {$15000.00} on XXXX/XXXX/16. As of XXXX/XXXX/16, it has been 120 calendar days and I still have not received the {$400.00} promotional bonus. I called customer service to open an investigation. I checked back today and was advised a letter will be sent to me in regard to the bonus. I still have not received the {$400.00} promotional bonus as promised by Citibank.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: They refuse to allow the consumer to dispute wrong information online without purchasing a Credit Report with a report number. 

They will ALWYAS show a generic " Unable to honor your request. '' message on the website.

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 05-11-2016 about Debt collection (I do not know) with Blakely-Witt and Associates, Inc. (MD).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have asked Blakely Witt & Assoc. to validate a collection they are reporting on my credit reports on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (TX).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: Hello on XXXX/17 a fraudulent company advertising magazine ads that were supposed to be in our local grocery store set us up on a payment plan with them. We paid {$190.00} in cash, {$190.00} on credit, and the balance was another {$480.00} on credit. We found that the company was fraudulent after speaking with the local grocery stores. Citibank refunded our {$190.00} but refuses to refund the {$480.00} amount because the merchant provided fake XXXX shipping labels showing they shipped something to our area. I have provided not only documentation from the grocery store stating that this was fraud but also information from XXXX  with other customers who have been defrauded by this company. I have attached all communication with Citi Credit Card and all the documentation that shows no good or services were received.

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 07/20/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (OR).
Issue: Loan modification,collection,foreclosure

Complaint: green tree has had the loan on my mobil for years a few years back i offered to try to make a short sale on the property and it was call next week so id call and it was call next week then after bout a month of that they say call next month and then nothing.Now it takes me to today i am bout a month behind on my payment im getting phone calls that i seem to miss while im at work .and they want me to call them back yet there is no option to talk with a person the only option i have is make a payment.I again have sent via fax to them a fair offer to settle my account and yet again i feel like they have no will to even look at it .so i look at green tree online and finding they are being fined by the ftc for the very thing im going thru im at a loss here and very XXXX out i cant even talk to a live person is there anything i can do???

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have attempted for several months to obtain validation of a debt reported on my credit report by XXXX XXXX  XXXX, including several certified mail validation requests, disputes to the credit reporting agencies, and utilizing a credit dispute company. In reference to account number XXXX in the amount of {$4100.00}, my complaint is two-fold. First, XXXX XXXX XXXX has failed to, after numerous requests, provide adequate debt validation, including my signature on any documents pertaining to this debt. Secondly, XXXX XXXX XXXX is not legally authorized to collect debt in the state of Georgia. Therefore, I am requesting both proof of this debt belonging to me, including documents that contain my written signature, and also physical proof that XXXX XXXX XXXX is legally authorized to pursue and collect debt in the state of Georgia.

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: It is impossible to fax or upload information for a FREE Freeze on my credit reports to the XXXX major bureaus without spending money. I am the victim of a crime and under the California laws it should be free for me to obtain a freeze on my Credit reports. I am uploading the police report with this complaint so that you can pass this information on to Experian, XXXX and XXXX. My credit is being destroyed by a gang of people in my town. My information was stolen by a youngster who I ministered to in my home. My social security number, copy of my drivers license, my bank account numbers, my will and all documents relating to my banking information was stolen from me including my health care information and credit cards. I submitted a police report # XXXX, but I can not afford to even mail this information to the credit bureaus right now. I need this freeze done right away. Why do n't they allow you to upload this to their web sites? I know they have the technology to do this. I want the FREE Freeze on all my credit bureau reports ASAP. Thank you for your help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2016 about Debt collection (I do not know) with GMA Investments, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I began getting phone calls from a debt collector in XXXX 2016. Despite my informing them I am not the person they are looking for, debt collector keeps phoning me. I have told them they are calling the wrong person and not to call me any more. Last week on Tuesday XXXX XXXX I got a call and both my wife and I told them not to contact me again. Less than 24 hours later I got a robo-call from them and today, XXXX XXXX I got yet another call and again I told the person I am not the one they are looking for. The debt collector replied " well, you are on the internet ''. I again asked them not to contact me again.

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 05-09-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Paramount Capital Group, Inc. (MO).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: this was a old loan which was taking off my credit score two months ago, Paramount Capital as of this past Friday XX/XX/XXXX done a hard hit credit pull on my credit which is against the law, I did n't give permission and had no knowledge of this till I checked my credit.Paramount stated they would do what ever it took to get it back on XXXX which is also against the Federal law.once it 's removed from credit scoring it CANT be put back on, so Paramount done this to damage my credit.I want this removed completely or I will seek legal actions. for I have NOT applied for credit with this company since XX/XX/XXXX.Paramount has over stepped on a old debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/21/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I am disputing with Equifax certain inquiries that were added to my account which I gave NO authorization or consent for. I have requested to Equifax to remove them as these vendors and merchants have no permissible purpose to view my report in accordance to 15 U.S.C 1681b. I have faxed this dispute in and have provided CFPB with a copy of a confirmation.

Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2015 about Payday loan () with CASHCALL, INC. (VA).
Issue: Can't contact lender

Complaint: I continue getting calls from different people claiming I still owe cash call {$2500.00}. I paid off that debt to a reputable law office. The scammers keep saying they have papers to serve me. Their number is XXXX, XXXX XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2016 about Mortgage (FHA mortgage) with QUICKEN LOANS, INC. (WA).
Issue: Loan servicing, payments, escrow account

Complaint: Home values have increased dramatically in my area. I believe my LTV is high enough to drop the PMI on my loan. I have had offers to purchase on my home above the required appraisal amount to drop my PMI. I went thru the process with Quicken and paid {$550.00} for their appraisal. The appraiser neglected to count one entire floor of my home and counted only 1/2 of my total livable square footage in the appraisal. Even though he included pictures of XXXX floors and a floorpan in the appraisal. None of the comps used had more than half of my homes square footage. The appraisal was obviously in Error. Quicken has denied my request to drop PMI and appraised my home at the original value I purchased it for over five years ago. Something needs to be done to rectify this obvious false appraisal.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Equifax said it did not share data with other credit reporting companies and data was secure, however Equifax shared data on my and my wife 's file, and that information caused us to get turned down TWICE from a credit union for a loan. Equifax did not have the information and bought it from XXXX, this violates the FCRA regarding information privacy

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2015 about Debt collection (Credit card) with Pressler & Pressler, LLP (PA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I am XXXX year old XXXX. Pressler and Pressler counsellors at law, XXXX XXXX XXXX, XXXX, N.J. XXXX debt collectors, have been harassing me to pay a debt that occurred prior to the year XXXX. they are demanding i complete the forms they sent me requiring all sort of information regarding my personal finances. Their letter says I can make payment arrangements. this debt, i believe, is to old for collection. I do n't know what to do. I am so upset.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2018 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've contacted TransUnion several times about erroneous information being reported on my credit file. I sent a letter on XX/XX/2018 requesting the method of verification used to verify the erroneous Public Record showing on my credit file and TransUnion failed to respond adequately to the request. 

I'd previously sent documented proof from the Clerk of Court - US District specifically stating that absolutely NO information is shared with credit reporting agencies whatsoever. So TransUnion purchased this data from 3rd party most likely the XXXX XXXX which has no way to validate or verify the accuracy of the information. 

The erroneous public record has caused financial ruin, and devastation as a result of the TransUnion 's refusal to follow Federal Credit Reporting Act ( FCRA ) Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. See Attached Letter as Evidence of this statement. I personally spoke with the Clerk of Courts office and they are willing to testify in court to these facts as well. 

TransUnion can never provide evidence that it received this information on a Public Record from the Original Source - the US District Court. TransUnion most likely purchases data on bankruptcies from a third party system known as a XXXX XXXX. The XXXX XXXX is inaccurate and incomplete since the XXXX XXXX   does not provide complete social security numbers as that would be against the Fair Credit Reporting Act and Privacy Laws. 

So perhaps for the reasons and laws above this is why TransUnion was unable to address the simple Method of Verification request because there are no lawful means of verifying this information that is in compliance with FCRA. 

Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical verification of the original court documents all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information.

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 03/20/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Billing statement

Complaint: on XXXX XXXX, 2014 I paid this card off. 

now I get a statement of pass due new bal XXXX, min pymt XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2016 about Bank account or service (Checking account) with M&T BANK CORPORATION (MD).
Issue: Account opening, closing, or management

Complaint: M & T Bank has repeatedly refused to modernize their online banking security. This leaves their consumer vulnerable to breaches that could occur even if the customer themselves is very careful with their security. In particular their site violates the latest FFIEC Guidance on cybersecurity found here : XXXX.pdf In particular, as laid out in the Information Security Booklet the FFIEC provides XXXX They are in violation of procedure # XXXX on page XXXX : Confidentiality of passwords and shared secrets ( whether only known to the employee/customer ). 
The shared secrets they use are commonly found on social media sites, these questions ( mother 's maiden name, city of birth, school mascot etc, ) are widely known. 

M & T Bank also violates procedure # XXXX Determine whether all authenticators ( e.g., passwords, shared secrets ) are protected while in storage and during transmission to prevent disclosure. 

M & T Bank allows internet browsers to store password and user information, and does not have password entry on a separate page. They do not offer XXXX factor authentication, nor do they have image verification.

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2015 about Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (AZ).
Issue: Loan modification,collection,foreclosure

Complaint: The client 's mother passed away. She provided the death certificate and deed showing that the house was in her name. We asked for an assumption and modification of the loan. It took Wells Fargo months to even code that the borrower had died and they refuse to accept the deed as proof of ownership and pursuant to the law provide an assumption.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation