milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/26/2018 about Debt collection (Payday loan debt) with SOUTHERN MANAGEMENT CORP. (SC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I'm filing this complaint against this company today because they are and have violated all of FDCPA rules and regulations when it comes to collecting payments. The branch manager especially, XXXX. She is very rude and very unprofessional. I had gotten a loan from this company in XX/XX/XXXX, she was very rude when going over the paperwork. I missed my first payment and advised them that I would be late, the employees called me everyday, I wasn't even 30-days late and they contacted all of my references along with leaving voicemails and on top of calling me during my work hours which I had given and advised when would be the best times to reach me, which was completely ignored. XXXX and he employees harassed me by calling me over three times in one day, leaving me voicemails all in that day, and calling my references and leaving them voicemails as well. My references called back and advised to remove their number from the list and was told that wouldn't be contacted anymore. Today, XX/XX/XXXX XXXX contacted me, she and i talked I advised that a payment was already made online, she still called my job, left a message with my boss, and called my sister after she was informed a month prior to remove her number, which was completely ignored. XXXX, also made an attempt to sabotage a loan I was getting with another company by contacting them back and advising them not to give me the loan, which again is against consumer loan policies. I have forwarded all of this information along with the the phone calls and voicemails over to my attorney and which we will be proceeding to file legal actions against this company for harassment. I no longer want any dealings with this company and I advise that they make no further contact with me. I advise to speak with my attorney.

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 02/20/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I have been trying to receive my credit report and credit score for the past two years and all I receive is statements saying I am not the person or incorrect information. I have been denied my report from all XXXX credit bureaus and am confused on why.I have had my drivers license suspended and other issues I have reported and everyone does n't believe I am me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2016 about Bank account or service (Checking account) with PNC Bank N.A. (PA).
Issue: Making/receiving payments, sending money

Complaint: By my mistake I made an online bill payment ( Through PNC Bank ) paying one bill in lieu of another. I attempted to place a block or stop payment online while the funds were still " pending '' status but the online system told me to contact customer service to continue. I placed a call to PNC Customer Service whom advised although my account online said the money was " pending '' the money was in fact out of my account and with the company.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: To whom this may concern : I 've submitted a dispute to Transunion to remove inquiries off my credit report, I understand that they should n't be allowed to put inquiries on my file unless I have authorized it. They recently removed the inquiries then added them back. Please have transunion remove the inquiries from my credit file because it is making it very difficult for me to acquire credit. I have sent several letters to them with.

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 02-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Midwest Recovery Systems (KS).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I would like to make a complaint against Midwest Recovery Systems, XXXX with an address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mo XXXX which had a 1st delinquency reported on XX/XX/XXXX with an alleged balance as of XX/XX/XXXX of {$1900.00} and the original creditor was XXXX XXXX. This account needs deleted under title 15 u.s.c. 1681 ( i ) since they have violated the FCRA and FDCPA according to the following codes. The Kansas statute is K.S.A. 60-511 ( 1 ) Actions Limited to Five Years and K.S.A. 60-512 ( 1 ) Actions Limited to Three years for the collection agencies. Statute of limitations was up on this account on XX/XX/XXXX which was five years from the first date of delinquency and Midwest Recovery has now violated the FCRA and FDCPA and the following violations : 1. Creditors or collection agencies if they try and re-age the account violates FCRA Section 605 ( c ) Running of the reporting period and re-aging the account by re-aging the account by updating the date of last activity on your credit report in the hopes of keeping negative information on your account longer and this a fine of {$1000.00}. 
2. Creditors if they report your credit history inaccurately and the fine is extent of damages incurred by the wronged party as deemed by the courts. US Court of appeals, XXXX circuit, NO. XXXX, XXXX vs. XXXX XXXX. 
3. Midwest Recovery Systems also violated Protection under the FDCPA because misrepresentations by the collector about themselves or the debt are actionable regardless of intent and the following case law of XXXX XXXX. XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX ) support this. This is also a fine of {$1000.00}. 
4. Midwest Recovery Systems also violated FDCPA Section 809 ( b ) because they have never validated the debt I have disputed after the date of XX/XX/XXXX and this is a fine of {$1000.00}. 
6. Midwest Recovery Systems also violated FDCPA Section 806 because the collection agency can not use any kind of harassment or abuse and he has abused me and my credit by reporting negative and inaccurate information on my credit report and this is also another {$1000.00} fine. 
7. Collection agencies if they do not validate your debt yet continue to pursue collection activity and this is a violation of FDCPA Section 809 ( b ) and a {$1000.00} fine.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2017 about Credit card () with JPMORGAN CHASE & CO. (GA).
Issue: Balance transfer

Complaint: XX/XX/XXXX To whom it may concern : In XX/XX/XXXX, I entered into a contract with XXXX XXXX to install a new furnace and air conditioning unit. As arranged by XXXX, the work was financed by XXXX, via a VISA credit card, [ Account # XXXX - Amount : {$6300.00}, ( see copy included ) ]. 
Approximately one year later and after more than {$2000.00} in payments, I received a notice on the back page of my monthly coupon/statement ( which I did n't notice ) that the VISA feature was being suspended and transferred to a new non-bankcard credit line ( see copy included ) ; to use only for home repairs and only with XXXX specified vendor - XXXX, account # XXXX ( see copy included ). This seemed like a bait and switch deal to me. Needless to say, I was not happy. 
I eventually decided to transfer the balance of the XXXX XXXX card to a legitimate bankcard ( VISA, MC, etc. ), preferably with friendlier terms. I chose a Chase Bank credit card ( per XXXX XXXX ) and applied for the transfer. When my approval was announced it was only for half of the amount requested [ VISA account # XXXX, ( see copy included ) ] and I was informed no changes could be made until after I received my card and paperwork. 
Once I received the card and called Chase Bank, an attempt was made to transfer the remaining balance from the original XXXX XXXX account. I was immediately rejected ( less than 10 seconds ) and I had to suffer another ping on my credit score for the additional credit inquiry ; with no results, despite the representative 's guarded optimism and the short span between inquiries. 
Now I 'm stuck with XXXX credit cards ( each with substantial balances ) and a compromised credit score that I will have to compromise more in order to get the total balance transferred from XXXX XXXX. 
Ideally, I wanted this not to have happened, so I would n't have to pay the price I 'm paying now to fix it ; but my desired resolution would include : -- Complete transfer of the XXXX XXXX balance to one bankcard ( VISA, MC, etc. - preferably the new Chase card I presently have ), with equal or better terms as that Chase card, at no cost to me or my credit score. I no longer wish to do business with XXXX XXXX. 
-- If that option is not possible, I 'd like the remaining balance on my XXXX XXXX card to be converted or transferred to a bankcard ( VISA, MC, etc. ), with agreeable terms and at no cost to me or my credit score. 
Thank you for your consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2017 about Debt collection (Medical debt) with Capio Partners, LLC (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Capio Partners  continues to report an account that I have no idea about. They are reporting this false information with the credit bureaus and is causing me to lose a chance of renting new office space. I have perfect credit and this malicious information is damaging my business. My next steps will be to contact an attorney and file suit against them for damages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/14/2017 about Mortgage (Home equity loan or line of credit) with TD BANK US HOLDING COMPANY (NY).
Issue: Loan modification,collection,foreclosure

Complaint: Ten years ago I took out an equity line on my house with TD Bank. It was a no doc interest only loan. I have never been late with a payment to TD or to XXXX which holds my mortgage. In XXXX I decided I need to do a refi because it made no sense to continue paying interest only. My mortgage broker looked at my credit and said that I had really good credit with the exception of being in foreclosure with TD. Unbeknownst to me my loan had ballooned in XXXX. I called TD to find out what was going on and why I had never been contacted. I was told that they had sent one certified letter to an old address that was of course never signed for, they had never attempted to call me, and even had my social security number wrong on some of my documents. I was very upset and let the rep at TD know that they had ruined my credit making it impossible for me to get my home refied, and that I was sure that TD was not in the business of owning homes and that we needed to make the situation right. The rep then informed me that they had done research on my home and that they would actually stand to benefit from taking my home and selling at auction because of all the equity that I have. I then tried to get a loan modification which was turned down. I feel that TD has been predatory and aggressive and had no interest in trying to work with me. The made XXXX effort to contact me and I would not have found out about the foreclosure until the sheriff served papers. Because the loan payments were on automatic withdrawel from my account and a small amount I never noticed that they bank had stopped taking payments. I need help and very much do n't want to lose the home that I have worked so hard for.

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I HAVE SUBMITTED SEVERAL DISPUTES TO TRANSUNION REGARDING ACCOUNTS THAT ARE NOT MINE AND REQUESTING THAT THEY PROVIDE ME WITH PHYSICAL PROOF THAT THE ACCOUNTS BELONG TO ME AND THEY HAVE FAILED TO DO SO SEVERAL TIMES AND THEREFORE I AM INTENDING TO SUE TRANSUNION FOR VIOLATION OF THE FAIR CREDIT REPORTING ACT AND PROVIDING ME WITH PHYSICAL PROOF THE ACCOUNTS ON MY CREDIT REPORT BELONG TO ME. THIS IS MY LAST AND FINAL ATTEMPT BEFORE I SUE TRANSUNION.

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 08/20/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with VIRTUOSO SOURCING GROUP, LLC. (NY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: A rep.at XXXX signed me up for a lease without my knowledge, I attempted to correct it from the time I recd the bill and they did not believe me, then the reps that would listen, kept telling me there was no such plan, over and over they declinded to understand what had happened, I had been wuth them for a few yrs, went in for my free phone upgrade, and the guy signed me up for something I did not ask for, it was the third bill that had finally told me the plan ... befire I knew it it was in collections, now im harrassed by them..XXXX did me wrong, and lost a loyal customer because of a crooked salesperson.

Company response to consumer: Closed
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have contacted Equifax multiple times between XX/XX/XXXX through XX/XX/XXXX regarding account information not being update accurately and timely. Equifax ALWAYS say they did n't get any updates from my creditor, however my creditors XXXX XXXX and XXXX XXXX  verified that they have sent over updates. On XX/XX/XXXX all 3 credit bureaus were notified to update and delete a collection item from XXXX XXXX XXXX {$1200.00}. After many calls and disputes it took Equifax untilXX/XX/XXXX to remove the collection. There was an issues regarding me being an unauthorized used on a credit card that was reporting to my credit. The creditor XXXX XXXX with a balance of {$630.00} sent over a request to remove the account from my report on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX. I even filed a dispute on XX/XX/XXXX regarding it and it took Equifax until XX/XX/XXXX to update the report. Now I am dealing with issues from Equifax on updating my XXXX XXXX XXXX account that was sent an update onXX/XX/XXXXfor {$370.00} and Equifax said they never got the request from my creditor, however I spoke with the creditor XXXX XXXX and they send the request to update on XX/XX/XXXX. XXXX XXXX Credit Card also sent over a request to update on XX/XX/XXXXfor my Credit Card with a new balance of {$140.00} and Equifax is stating they do n't have it. XXXX XXXX reported an additional update on XX/XX/XXXX from their last update XX/XX/XXXX due to their error, however Equifax is refusing to update stating 1. It would have to wait until my normal update of XX/XX/XXXX and 2. They did get the request from XXXX XXXX Also after having the original two items deleted from my credit report ( XXXX XXXX and XXXX XXXX XXXX Equifax decrease my credit score although my overall utilization balance decreased as did my total collection balances. Equifax is the only Credit bureau that does n't update my credit information in a timely manner. In addition they alway use the excuse they did n't get the information. I do n't have these issues with XXXX or XXXX. They get the same reported information from Creditors ( XXXX XXXX, XXXX XXXX, And previous creditor XXXX XXXX ) as does Equifax. Equifax is difficult and most often blames all their issues regarding updating credit reports on their system or the creditors. Equifax does n't update the accounts in a timely manner cause consumers like myself to suffer. After 2 full months my credit score has n't moved although I 've have many significant changes to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2017 about Student loan (Federal student loan servicing) with ECMC Group, Inc. (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Several loans that were serviced by ECMC during the loan rehab period had incorrect loan balances and interest rates therefore I was overcharged. For example, ECMC calculated 2 loans based on the orig. principal of {$3500.00} and fixed interest of 6.80 %. However, orig. principal amt should be {$1600.00} due to a portion of the loan having been cancelled / never disbursed by the lender. Additionally, 2 of the loans has a fixed rate of 4.50 % - yet they charged me at 6.80 % on each. Another loan has a fixed rate of 5.75 %, ECMC charged me 6.00 %. Yet another loan has a fixed rate of 6.55 %, again they charged 6.80 %. There were several loans mishandled in this manner and as a result there was interest calculated that should not have been and payments misapplied as a result. I advised them of their mistake on several occasions, most recently on XX/XX/XXXX, but they have refused to fix the info on file or advise HOW they plan to rectify it. ECMC also did not report payments made by me on this loan while it was handled by them ( years XX/XX/XXXX through XX/XX/XXXX ) and at the time they transferred my loans to XXXX XXXX. ECMC also reported the wrong loan info on my credit report during the years XX/XX/XXXX through XX/XX/XXXX. ECMA also failed to report to the Dept. of Education that they received an IRS offset in the amount of {$5200.00} during that same time period.

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 12/20/2016 about Debt collection (I do not know) with Collection Information Bureau, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: DOCTORS BUSINESS BUREAU ACCOUNT NUMBERs : XXXX XX/XX/XXXX Collection Information Bureau , Inc . 
XXXX XXXX, FL XXXX XXXX. 
ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you DOCTORS BUSINESS BUREAU or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to XXXX of XXXX. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : DOCTORS BUSINESS BUREAUor any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (WI).
Issue: Closing/Cancelling account

Complaint: Applied for credit in XXXX XXXX. Never received card. XXXX XXXX, received bill for annual fee of {$59.00}. Called company, told them I did n't have their card. Asked them to remove the fee and close the account I did n't have with them. XXXX XXXX, receive another bill with another fee saying I 'm overdue. I want them to leave me alone and not mess with my credit rating.

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
Consumer complaint received 03/14/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I submitted a request to switch my repayment plan from the Income-Based Repayment Plan to the Pay-As-You-Earn plan. My servicer, FedLoan Servicing, received the request on XXXX XXXX, 2016. I called FedLoan Servicing on XXXX XXXX, 2016 to check on the status of my application and was told that no steps had been taken yet to process the application. Today is XXXX XXXX, 2016, and I have still not heard anything about my application.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: XXXX XXXX is reporting under the business name of XXXX XXXX to all three credit bureaus. This is causing a lot of confusion. Additionally, XXXX is reporting inaccurate information to all three credit bureaus regarding my account. I disputed this information and the inaccurate information continues to be reported. This serious issue has now caused me to lose a job opportunity and a chance to submit an offer on a home that was accepting highest and best offers by XXXX on Sunday, XX/XX/XXXX. I have an attorney that is willing to take this case on a contingency basis and will sue for punitive damages on my behalf since I have documentation of the loss and the accurate information. One of the incorrect items is a 30-day late negative mark forXX/XX/XXXX when my payments were deferred only after I was impacted by a natural disaster. I am hereby requesting that ANY and ALL negative marks pertaining to my lease with Mini Financial/BMW Financial to my credit report be removed immediately. 

Another issue is that Experian refuses to acknowledge that XXXX XXXX XXXX is also XXXX. 

Additionally, I've send documentation on the above items and more but this credit bureau claims to not receive documentation sent to them on various occasions. This has been extremely frustrating.

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