milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/15/2018 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (MI).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The original creditor and account number is listed on my credit report as XXXX XXXX/XXXX with a first reported date as XX/XX/XXXX partial account and sold to PRA.

The same partial account number appears with Portfollio Recovery Associates ( PRA ) as the debt collection acency with a different first report date as XX/XX/XXXX and XXXX XXXX XXXX XXXX as the original creditor. 
I disputed with XXXX XXXX and Portfollio recovery associates with so far no change to my credit report. I read this is called re aging by the collection agency and is a violation of the Federal reporting agency. I do have copies of my credit report with both items and date listed.

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 about Debt collection (Medical debt) with WAKEFIELD & ASSOCIATES, INC. (TN).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: Wakefield and Associates in XXXX TN contacted my ex-spouse about an account that has several medical bills attached to it. He was even subpoenaed to a court date. The bills are solely in my name and always have been even at the original providing facility. Wakefield and associates even sent him a detailed statement to my ex-husband at his address.  After I made it clear to them we were no longer married and that this could possibly even violate some health information protection acts. These bills are in my name and have been discussed extensively with him before I was even aware of them due to me never receiving any mail at my current address even though mail at my old address with my old married name is to be forwarded to my new address. So I assume I never received any mailings. Also, this company refuses to take any less for a payment than {$200.00} per month.

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 07-03-2016 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: This was paid in full in 2009 and they are reporting that it 's active and open on Eqifax

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2015 about Debt collection (I do not know) with National Arbitration Forum (IN).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: A person named XXXX XXXX from ph # XXXX called my mother 's ph # repeatedly ( even though she has told them I do not live there ) alleging she is an investigator sending someone out to my place of residence to serve me with legal documents. She also stated if I am unavailable they will come to my place of work. I have previously received a call like this and contacted the state and county courts to make sure. I had no pending cases against me. Still do n't. I once called them back and they stated to avoid a warrant for my arrest I have to pay {$400.00} by means of a prepaid debit card. They would accept nothing else. They said it was for a payday loan left unpaid. I called the payday loan people and no one could find my debt. These people need to be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2015 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: The representative could not provide me with information about the amount owed other than who the original creditor was. I was asked to provide the collection company with information of what I owed them instead of them providing me with information about the amount of money that they were trying to collect. I asked to be provided proof of debt, including but not limited to, payment history, interest accumulation, and fees to verify the amount owed.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2017 about Bank account or service (Checking account) with SANTANDER BANK, NATIONAL ASSOCIATION (NY).
Issue: Using a debit or ATM card

Complaint: On XX/XX/2017, I visited a gas station merchant, XXXX, whom I frequent to purchase gas. I always use my debit card w/PIN number to do so. On this occasion, the point of sale did not process, so I decided to try another pump and yet again, the point of sale did not process. I asked the attendant inside if there was a problem with the pump and that person indicated that he was n't aware of such. I then attempted to use another ( 3rd ) pump but again, no luck. I immediately contacted my bank via phone to determine the problem. The bank rep I spoke to advised that the gas merchant had placed FIVE holds on my account for each transaction, attempted or otherwise, in the amount of {$91.00} dollars. Yet, I explained that while that has not happened in the past and if even so in this case, I had the funds on hand well over the amount of {$91.00}, so why is the transaction not being process. I was then advised that since I made three attempts in addition to two other holds the merchant had on my account, totaling five, my account was now in a negative balance. I was completely frustrated and to no resolved could I get the bank rep to understand that this hardship should not have occurred since my account had the available funds. On XX/XX/2017, ( today ), I decided to investigate this issue further and found that by all accounts on-line, when a consumer uses a debit card with a PIN-number, a hold is not placed, or should not be placed on the consumer 's account since the transaction is immediate. Based on other reports, the instance where a hold is placed, the funds are made available within the hour since a PIN-number is used. Moreover, by all reports, the merchant is not responsible for holding up your funds, the merchant ONLY SETS the amount to be held. Thus, it is the bank that HOLDS the consumer 's funds. Thus, I immediately contacted my bank again to voice my concerns for their FAULT at withholding my funds and to vent my frustration as to why the bank did not allow my point of sale for the gas to process. I was met with resistance for resolve and even after speaking with a so-called supervisor, who YELLED at me, while no less agreeing with me that it was the bank 's fault, I am still left with frustration. I have also incurred an overdraft fee on my saving account in the amount of {$2.00}, along with the held-up funds of {$430.00} dollars, all of which I demanded be released and credited to my account expeditiously. I feel that I have a right to such, since the bank is clearly blaming the merchant and faulting me. Moreover, I had available funds to cover my costs and should not have even been subject to the pre-authorization hold since I ALWAYS use a PIN-number with my debit card. PLEASE intervene here and help me to resolve this issue forthwith.

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 09-09-2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with PAYPAL HOLDINGS INC. (IL).
Issue: Unauthorized transactions or other transaction problem

Complaint: I found a Venmo payment from bank account. I never used the app or approved the transfer but someone used my bank account number and transfered the money out. 
I heard from bank it takes the check account and routing number which are very visible on the checks. I had to close the account.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2016 about Consumer Loan (Installment loan) with Elly, LLC (TX).
Issue: Taking out the loan or lease

Complaint: I was approved for a {$1000.00} installment loan. The lender has my bank account number and routing number as well as my social security number and other personal information. 
I was just informed that even though I was approved for the loan they have decided not to fund it. No reason was given but I strongly suspect they are discriminating against me because I am XXXX.

Company response to consumer: Closed
Consumer complaint received 09/14/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with NAVY FEDERAL CREDIT UNION ().
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I paid My Credit in full twice and they reported it to the credit company as paid in full. They then placed the account back on my account and double charging me for the count and I now have a high credit utilization for both of my accounts, mines and the one I paid off as a authorized user on my Husband account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2016 about Student loan (Federal student loan servicing) with GREAT LAKES (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Great Lakes is reporting to credit bureaus past due 120 days and it 's keeping me from getting a mortgage loan ( buying my home ) I have been paying on time since I have been employed ( I lost my job and could pay that 's what caused delinquency ) I requested in good will for the derogatory old remarks to be deleted. To date they report. Please help the loan is transferred/closed and I 'm paying through my fed loan servicing because I 'm now a federal employee

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2017 about Bank account or service (Checking account) with U.S. BANCORP (MO).
Issue: Deposits and withdrawals

Complaint: US bank has not only breeched my security by giving someone the balance on my account and allowing them to make a small deposit to cover a check that was not suppose be cashed until I notified them on the deposit I made on the following Monday. They also allowed someone to stop payment and reverse the charges 11 days after the check cleared the bank. Now that person has the goods that I provided them through my business and the money.

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 05/17/2016 about Credit card () with DISCOVER BANK (MO).
Issue: Delinquent account

Complaint: I have a credit card account with Discover. My entire balance is fraud and they are not taking action and this is hence affecting my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2015 about Credit card () with PAYPAL HOLDINGS INC. (NC).
Issue: Billing disputes

Complaint: I was enrolled in a Paypal Credit Program without my knowledge. After receiving a paper statement in XXXX I immediately submitted a complaint to PayPal about the fees and charges and within XXXX payments paid the entire balance, excluding these fees. After receiving a no response regarding my request I contacted customer service via phone and was advised a XXXX time waiver of approximately {$35.00} would be issued but PayPal credit refused to waive all charges in excess of {$100.00}. Likewise I was informed that I could not speak to a supervisor because they do not take calls. Subsequently I have no other course of action other than submission of a complaint via CFPB.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/19/2016 about Mortgage (Other mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (OH).
Issue: Application, originator, mortgage broker

Complaint: I was working with a licensed broker named XXXX XXXX at Carrington Home Mortgage, who absolutely did nothing to help get a loan approved for a home. They pulled my credit using a 3rd party service called XXXX XXXX. They informed that based off the scores they received they would not be able to help me because i was below a XXXX FICO score. However XXXX XXXX pulled my credit on XX/XX/XXXX and presented me in writing a FICO of XXXX and on XX/XX/XXXX XXXX XXXX provided me a credit score from XXXX of XXXX. I had documentation that needed to be forwarded to all XXXX credit bureaus that show where i have satisfied some judgements and tax lien so that they can reflect properly. I faxed those to XXXX XXXX on XX/XX/XXXX and of course on XXXX/XXXX/16 they still were not faxed. This is not acceptable. If she was a good broker, then she would be working diligently and extra harder to help get financed. I also am disputing the credit scores that they obtained from a 3rd party, they are not correct and need to be investigated, since XXXX 2016 any letter of credit denial or current credit all have sent me in writing scores above a XXXX. They are not willing to work with me with the scores that other creditors are producing. I am bringing this matter forth to the Federal Housing Authority to determine whether or not discrimination is playing a role in such decision. Of course, on XXXX/XXXX/16 i got a biased response from XXXX XXXX, XXXX, basically advising im in the wrong and his company is in the right by following all laws and guidelines. This is not a reputable organization and needs to have a site audit performed.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2017 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: Credit bureau has not provided the details that were verified with the creditor. I stated there were multiple inaccuracies with XXXX account and it was over 7 years old.  the original deliquency date was somehow removed in XXXX which is now show XXXX with XXXX XXXX. Also, the amount of the debt is incorrect as I have discovered with the creditor should have been {$240.00}

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 04-07-2017 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I disputed information that was on my credit report that is not reporting accurately. Experian stated that the outcome of their investigation is that the Bankruptcy remains on my credit report. I called the courts which was the US Bankruptcy Court-XXXX and they informed that they do not verify or validate with the Credit Bureaus. I would like this information removed off my Experian report of the improper sharing by the credit reporting company. Experian could not provide me with copies of any documentation associated with this account with validation, bearing my signature as requested within the 30 days as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ).

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 08/18/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Equifax is reporting on XXXX of my credit lines ( XXXX XXXX ) that I was delinquent ( XXXX XXXX and XXXX XXXX XXXX even after submitting documentation from the original creditor which indicated that I was never late and XXXX of the credit lines ( XXXX ) with no payment history. Overall, Equifax has failed to fulfill the investigation process since XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I tried to apply for refinancing of my car in XXXX and I was rejected. They told me the main reason I was rejected was because of " Derogatory public record or collection file '' and " Length of time since derogatory public record or collection is too short ''. The person helping me told me it was a court from XXXX 2016 and it looked like I had lost a settlement. I knew I had nothing of the sort because I had n't been in court for anything like that ever.They got this information from Equifax Credit Report. When I requested my annual report from them, I saw in the " Public Records '' the judgment. It clearly states a different name than mine, and I have no affiliation whatsoever to this case except that it was my father 's who does not have the same name as myself. It is CLEARLY a completely different person. I was in no way, shape or form involved in this case. I am completely independent from my parents and there is NO REASON for them to attach this issue to me. I can not stand for this incompetence affecting me in my financial AND personal life. This needs to be removed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2016 about Consumer Loan (Installment loan) with First Associates Loan Servicing LLC (FL).
Issue: Managing the loan or lease

Complaint: I Have a loan with Vouch Financial and have made 4 payments which all were made on time. Vouch Financial went out of business and now the have a the loan being serviced by XXXX XXXX XXXX XXXX XXXX. They did not want to give me the physical address of XXXX XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2016 about Debt collection (I do not know) with ERC (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: constant robocalls from company called ERC ( Enhanced Recovery Co. ) on XXXX XXXX XXXX. 
I do not have any outstanding Debts, and have made sure that I am always on top of or in touch with any agency I have owed money too. 
The fact the only leave a 'robot ' message and do not say who the debt is liable by, is extremely suspicious and seems that they have picked my number from the previous person the number was assigned to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 01/25/2017 about Debt collection (Credit card) with Sentry Credit, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I had created a XXXX debit card which was recommended as an employee. It was linked to my bank account and the money I used was my own money. A week before I received my card in the mail I saw a charge for XXXX I brought this up to customer service and called XXXX to return my money and cancel my account. I was furious that this happened because it was a debit card which meant someone is taking my hard earned money to buy shoes not even in XXXX. They apoligzed and returned my money in 3-5 days. A week later it happened again over drafting my account I called XXXX again and they said that this transaction had to be processed three times and returned back again in 3-5 days they also said how they cancelled my card and have a new one for me when I explained to them I just did n't want an account with them because this should n't have happened. I also had to call my bank and get them to reverse the overdraft fee. I got the money back agian and then the following week they took out the money again over drafting my account again. I called them for the third time and they said they reversed the transaction again and it will return in 3-5 days hoping this was the last time I called my bank again to reverse the overdraft fee. After two weeks I get a call saying I owe a balance of XXXX for the shoes I bought I explained that I had already disputed with someone that I did n't make this purchase they looked through the records and said oh OK yeah I see that. We returned the money twice and I said actually three times you took my money three times and returned it three times. That 's when they claimed that they gave me an extra XXXX one from my bank and one from them and that I need to pay it. I looked at my account and did n't see any extra money and I refused to pay the balance something that should n't have even happened and caused me allot of problems with my bank. A full month of problems for a fraudulent charge on a debit card I did n't even recieve before this happened and inconsiderate reps that did n't follow my wishes to close the account just to keep me as a card holder.

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 07/25/2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (OH).
Issue: Loan modification,collection,foreclosure

Complaint: Hello, After contacting the XXXX XXXX XXXX XXXX XXXX, they helped us identify that we are potential victims of mortgage fraud and insurance fraud/bait and switch on our original FHA XXXX mortgage. However they say they do not have funding or attorney availability to assist us. 
I was charged for $ XXXX in homeowners insurance for a number of years. After a recent incident that was estimated & gt ; $ XXXX in damages, it was found they only provided approx. $ XXXX total in coverage. I cant get work done because the mortgage company holding the insurance money and now trying to foreclose ( CVE XXXX ) despite the fact we have been following their instructions and they have nothing filed at the local courthouse to identify a lawful foreclosure. We have all copies of all documentation to include the {$90000.00} of insurance and inter-office instructions from Bank of America telling their inspector to lower repair estimates. 
We do n't know what to do and are tired of living like this. Any advise or help you could provide would be greatly appreciated.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2015 about Consumer Loan (Title loan) with Vision Financial Corp. (CA).
Issue: Can't contact lender

Complaint: Hello, XXXX years ago I settled with a debt collector on a loan I had on my car. The problem is that they have n't sent my pink slip. Each time I call they say it 's in the mail. I had a seller for it XXXX year ago for {$800.00}, but they backed out because I did n't have the pink slip. Can you help me? 
Hello, Two years ago I settled with a debt collector on a loan I had on my car. ( XXXX ) The problem is that they have n't sent my pink slip. Each time I call they say it 's in the mail. Can you help me? 

Vision FinancialXXXXXXXX # XXXX

Company response to consumer: Closed with explanation