milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-11-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with U.S. BANCORP (IL).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I am being harassed methodically about a debt that was created with accounting fraud and bank fraud, pursued with threats, mail fraud and wire fraud, and which continues to be pursued by US Bank which largely just got rid of regulatory issues with CFPB and FTC falsely claiming to have dropped the dispute. At this point, I continue to be contacted offensively constantly. Reference has been made to the bank continuing the false claim that there was a basis for the debt, in self absorbed gross misconduct XXXX that continues to have as its only substance generating criminal disturbances by every method possible with the bank. 
Which was told to cease and desist collections and refused to do so or cooperate with dispute debt collection law, or any other law as of XXXX/XXXX/15 and since, and cease contact entirely, at which time the bank started contacting me constantly demanding I " cease contact with the bank ''. 

Which continues to have no substance but criminal disturbances conducted like an orgy that has no end, and appears to have changed my residential mailing address because it has to cover up how brilliant it is living possible next door in my apartment building. 

I need my US mailing address removed from the abuses of US Bank and its employees, particularly for tax information I reportedy can no longer get on line, and for any other purpose by US Bank. I need US Bank removed from its continuing harassment of my XXXX mail at the Post Office I have been using for years, and the war it has created with postal employees who keep redelivering refused US Mail that US Bank keeps sending back. 

Reference to refusing to drop the dispute happened as a slip to CFPB repeatedly. 

Its responses to CFPB are no different from the contact with me, which is the sole substance continues to be an orgy of gross misconduct criminal disturbance damage infliction. 

It continues to falsify inflammatory claims to third persons to manipulate the no examination of the claims made, which are massively repetitively fraud, and so a criminal event escalating in severity as an orgy. 

I am continuing to be threatened about fabricated debt and forced illegal criminal harassment contact by US Bank by every method possible and working third persons including the XXXX US Post Office.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 03/29/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX XXXX was notified of my filing with local police and FTC identity theft. My account was used to obtain a fraudulent payday loan, they charged off the account for {$800.00} after dozens of calls and emails and letters. The {$800.00} is fees generated by the bank, it is NOT money that the bank paid on my behalf to this fraudulent payday loan. They tell me my disputes are frivolous and refuse to investigate. FTC CASE 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 02-09-2017 about Credit card () with JPMORGAN CHASE & CO. (NY).
Issue: Identity theft / Fraud / Embezzlement

Complaint: In XXXX of 2016 I was the victim of a cell phone ( smartphone ) theft. The police report is attached. Due to that there was a avalanche and domino effect of low level identity theft. I am not rich therefore there is n't much for a thief to take. However, what I have I am proud of an I take honor in maintaining. The person who took my phone ( I 'm assuming ) was able to deplete my checking account as I had several virtual cards and other sensitive information there for the taking, unfortunately. This left me without funds other than what was in my pockets or at my home. I eventually was able to have every penny given back to me but it was weeks before this happened completely. I had to block my bank account to prevent further damage and as a result could n't pay my Chase account in a timely fashion. As a result, the payment was late and I went from a great customer to a one with a 30 day mark.

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2015 about Prepaid card (General purpose card) with U.S. BANCORP (CA).
Issue: Unauthorized transactions/trans. issues

Complaint: I purchased XXXX prepaid Visa Gift cards from XXXX on XXXX/XXXX/2015 issued by US Bank. I found out a week later the funds were liquidated fraudulently. I informed US Bank on the number of the back of the Visa Gift card. Weeks later they request additional information but gave me very little time to send it. I then faxed the information in XXXX. Today they said they never got the information and closed the case on XXXX of the cards because of insufficient information and closed the case. I have the fax receipt showing that I did send it in. The other card I still have not heard any information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 02/28/2018 about Debt collection (Other debt) with ProCollect, Inc (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I tried to explain to the creditor that the debt does not belong to me

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 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: I should not have to pay money to freeze my credit due to Equifax 's egregious error. Because of Equifax 's fault, I 'm now on the hook for the money to freeze my credit with the reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2016 about Credit reporting () with EQUIFAX, INC. (OK).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: The credit bureau has inaccurately placed liens on my report that have been paid. The state has confirmed with me that they do not report to the credit bureau and that the credit bureau is placing the information on my report without verification from them.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I believe that EquiFax failed to meet its obligation to safeguard my data, leaving me with a lifetime of future threats to my identity and irrevocable loss of security to my financial information. I believe that EquiFax executives have improperly profited from advance knowledge of this data breach - refer to http : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (WA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have been being garnished since XX/XX/2013 from this company. They continue to resubmit to the court a request for garnishment and then add on their lawyer fees and filing fees to increase my debt. Thus, perpetuating my debt to the Portfolio collection company. The original debt was to XXXX XXXX and I have not received any written notification of the legal actions being taken. I am only aware when I get a letter from my employer stating the court mandated garnishment. This debt is also more that six years old. RCW 4.16.040 states that six years is the statute of limitations on debt collections.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Debt collection (Other debt) with Southwest Credit Systems, L.P. (AZ).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: Hi, I opened a XXXX account back when I first turned XXXX years old with my parents which was around XXXX of 2014. We opened 4 lines and I was not aware my social security number was being used when the account was open. We had the service for about a year and then we decided to move carriers. We kept the phones and used another service which was still under the ambrella of XXXX. A year later XXXX  collection agency kept calling informing me we owed money on the phones, which where already paid for. Now three years later Im still constantly getting calls, being harassed even though my number has been changed and Ive moved to a whole different phone carrier. Please help me remove this from my Fico credit report since its making a huge impact on my score.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MT).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax was breached using a simple and easily patch security vulnerability. I expect someone who hordes my personal information to take security seriously and rigorously. I now have to live in fear of my identity being stolen because Equifax was irresponsible with my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2016 about Debt collection (I do not know) with Phoenix Financial Services LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I do not owe any of these depts. The the last two months, every month, I have tried to dispute the bad reports to XXXX credit report agencies, and they all got removed. However, the next month, these dept collection agencies keep adding the same debts on my credit reports. It wastes me a lot of time and frustration to file the disputes with XXXX agencies every month. These collection agencies keep call me every month, and they spelled out the name and date of birth which were clearly not mine. 
I belief their stragety is to bother me to the point where I will feel so frustrated and I will pay for the depts I do not owe. 
These are the XXXX collection companies the file delinguents on my credit reports every month : PHOENIX FINANCIAL SERVICES, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2015 about Student loan (Non-federal student loan) with Allied Interstate LLC (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Hello, I have XXXX student loans with XXXX XXXX, 1 loan was signed on XXXX/XXXX/XXXX and the 2nd on XXXX/XXXX/XXXX, both signed when I was in attendance at University XXXX. Due to financial hardship, I had defaulted on my loans in XXXX resulting in my accounts transferring to a collections agency " Allied Interstate. '' In XXXX, I worked out a repayment plan with Allied Interstate as I regained financial stability ( see attachments for agreement made with Allied Interstate XXXX. 
# 1- Allied Interstate had me sign an agreement to repay my debt and reduce my interest rate to .001 % from 8.25 %, this has not been reflected on my account and I was advised by Allied Interstate that due to a " system glitch '' my balance and interest rate were never updated. I have asked for a letter indicating the issue and indicating the correction, Allied Interstate has not complied. 
# 2- In addition, Allied Interstate and XXXX XXXX are incorrectly reporting on my credit report XXXX see attachments ), I should be showing that I am on a modified repayment plan, and current in my payment per that plan ( I am being reported as " delinquent '' per attached ) # 3- Allied Interstate continues to harass me through daily phone calls ; I have numerous missed calls and voicemails daily. I am making my payments ( they are auto-deducted ) timely and would like for Allied Interstate to stop calling me unless urgent or related to making the corrections to my account. 

FYI, I have noticed on my Allied Interstate correspondence, XXXX XXXX is now " XXXX '' " a spin-off of XXXX XXXX. ''

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: EXHIBIT A - herein annexed.
Personal information, page 25 of 26 of  XXXX  credit report number  XXXX , Date d   XXXX   XXXX  , 2017   showing   XXXX   XXXX   address with an Address identification number  XXXX  linked to   XXXX   XXXX   with the same address identification.
<P/>
On    XXXX   XXXX   , 2017,    XXXX  credit card representative and that persons supervisor,  XXXX , denied any   XXXX   XXXX   address in their records, therefore, they can not report such   XXXX   XXXX   to anyone.
<P/>
As a result, this   XXXX   XXXX   address must be removed from ALL credit reporting agencies.
<P/><P/><P/><P/>
EXHIBIT B - herein annexed.
Account in good standing page 20 of 26 showing   XXXX   XXXX   with the same Address identification number  XXXX  that establishes a link between PO BOX address and this credit grantor,   XXXX   XXXX  .
<P/>
On   XXXX   XXXX  ,  2017,   XXXX  credit card representative and that persons supervisor,  XXXX , denied any   XXXX   XXXX   address in their records, therefore, they can not report such   XXXX   XXXX   to anyone.
<P/>
As a result, this   XXXX   XXXX   address must be removed from ALL credit reporting agencies.

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 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I have sent numerous dispute letters to Equifax about a furnisher /public record named XXXX XXXX XXXXXXXX CT XXXX XXXX they are reporting on my credit report. Equifax claimed they verified directly with the with Lexis Nexis that XXXX XXXX XXXX CT XXXX XXXX that the account belongs to me. I 've requested their method of verification SEVERAL times and each time they just mark as " verified '' without providing me proof of their method of verification with a written reply from the furnisher nor XXXX XXXX ( who by the way has my account locked ) that clearly states this account belongs to me. These are all clearly stated on all my requests and yet they ignored and just marked it as " verified ''. If my account with XXXX XXXX has been locked from access how is Equifax able to verify this? I 'm very dumbfounded. 
If Equifax is not able to provide their method of verification to me how do I know this belongs to me and how is this accurate? 

Nonetheless, I made my own request directly to XXXX XXXX XXXX CT XXXX XXXX, and my letter was as returned '' ( letter attached ). Now, with my request being returned from the court, how is Equifax and XXXX XXXX able to verify so quickly with the court and mark it as " verified '' and close my dispute? With Equifax 's response to my CFPB complaint # XXXX as " verified '' again. How is this all possible and how is this fair and accurate reporting? 

Several creditors, home lenders refuse to provide me credit due to this information and it is very damaging to my score. I 've attached all the letters I 've sent to Equifax and each dispute they 've responded with " verified '', again without providing me information on how they verified this information from XXXX XXXX or the furnisher. 
Again, each dispute I 've sent to Equifax, answered as " verified '' without providing me proper " written '' method of verification is a violation of the FCRP 611 ( a ) ( 7 ). This is an intentional false reporting if they are unable to provide me their method of verification. I am making one final attempt to have Equifax correct/delete this information from my personal credit report before I proceed in a small court claims if they are unable to provide me WRITTEN verification on how they verified this directly with XXXX XXXX XXXX the XXXX XXXX XXXX  CT XXXX XXXX. 

I, again will remind XXXX that in a case, as in XXXX v. XXXX XXXX XXXX, XXXX. XXXX ( C.D. XXXX. XXXX XXXX, XXXX XXXX, they may be liable for their willful non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/28/2016 about Debt collection (Auto) with EQUIFAX, INC. (IL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Equifax continues to report a collection account for XXXX XXXX XXXX XXXX for a voluntary repossession that occurred 7 years ago. XXXX logic has failed to provide documentation regarding legal notices or of the reasonable sale of the vehicle despite sending requests certified mail. I have provided Equifax with copies of the letter requesting said documents, copy of the certified mail receipt and the XXXX report showing the sale of this vehicle and they refuse to correct the information. I tried calling the customer service line today and the operator would not let me speak to a supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Navient has over charged me on my student loans. I have been paying them and instead of my loans total decreasing they have increased. Please investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2016 about Debt collection (I do not know) with Receivables Performance Management, LLC (MI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have received numerous calls from the agency for a person I do not know. On XXXX/XXXX/2016, I received a call asking for an XXXX, i informed the rep she had the wrong number, and i was advised she would remove my number. Again on XXXX/XXXX/2016, I received another call asking for the same person, again told them to stop calling me. They were also using an auto dialer to call my cell phone, which i told them they did not have permission to do, and again to stop calling my number. Then on XX/XX/XXXX, i have received two calls. Once at XXXX, and again at XXXX. Again they are using an auto dialer to call my cell phone, after being told not to, and i again have asked them to stop. When calling to ask them for their address so i can mail them a cease and desist letter, the first rep refused to give me to me, transferred me to a supervisor, which i had to wait 5 mins to talk to.

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 12-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Problem with fraud alerts or security freezes

Complaint: I need to lift my credit freeze with Equifax, XXXX, and XXXX, but I do not have a pin number, I was never sent one. I also can not get through to these three agencies and speak to a live human being about this. Please help me. 

XXXX XXXX XXXX. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Source Receivables Management LLC (SC).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: On XXXX XXXX, 2016 I received a phone call from ( XXXX ) XXXX XXXX at XXXX am EST, stating she was a debt collector from XXXX in XXXX. I live in XXXX and asked that the bill be sent to me. The agent refused and said I needed to pay and that " we sent you the bill you just trashed it '' at that point I told her the phone call is recorded and she laughed and ended the call. I as simply asking for the bill to be sent to me and telling me that I " trashed '' the bill instead of sending it to me is completely harassing and making lude comments about throwing things away is unnecessary.

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 04/28/2015 about Payday loan () with Mobiloans, LLC (OK).
Issue: Charged fees or interest I didn't expect

Complaint: On XXXX XXXX, 2015 I initiated an online payday loan with Mobiloans LLC. Initial spoke to a representative and was assured they were in compliance with Oklahoma State Law and Federal Regulations. After never receiving proper loan document and further investigation, I am be charged fees in excess of allowable interest ( in excess 600 % ) - They have also changed my payment terms to from monthly to bi-monthly by means of ACH without my consent. If you atempt to resolve via telephone - the representative becomes beligerant and threat of vioaltions regarding siesure of bank accounts or imprisonment. These folks claim XXXX, however, finding your investgation against them, they are not excused from federal regualtion.

Company response to consumer: Untimely response
Consumer complaint received 12/21/2017 about Mortgage (Conventional home mortgage) with Seterus, Inc. (NY).
Issue: Trouble during payment process

Complaint: XX/XX/XXXX XXXX : Property address XXXX XXXX XXXX XXXX NY XXXX Loan # XXXX I was given a modification by Seterus Servicer on XXXX. I have been making all of my payments on time. However Seterus servicer has been making mistakes on my account that have made me very XXXX and have had a toll on my health. This is my third complaint in less than three years. Three different serious mistake Seterus XXXX has done on my account. XXXX XXXX has my account suspended due to a mistake on their part. 1. ) I received a letter from Seterus XXXX datedXX/XX/XXXX stating that A payment that did not belong to my account was inadvertently posted to my mortgage account and XXXX reversed the payment that was posted in error. ( please see attached ). 
Again I find myself being threatened by Seterus on foreclosing on my house, due to their mistake. Seterus wants me to make extra payments. I dont have any extra money to make extra payments. I have made all of my payments on time. 2. ) My escrow payments should not have increased. I had a senior tax reduction on my taxes that started on XXXX and I faxed the proof on such reduction on XXXX ( see attached ) again Seterus gave me a hard time acknowledging this information and providing me with a new mortgage payment and statement until months later.

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 monetary relief