milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/23/2017 about Debt collection (Federal student loan) with Performant Financial Corporation (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: A few weeks ago, I was was called in the operation managers office, because someone called my employer requesting payroll/employment information about me. I was told the name of the company was Performant Recovery Inc . 

I was stunned because i had no knowledge of who/whom was inquiring about my employment and i assured my employer that i had not been sued and there was no court order in place for my wages to be withheld. 

I was provided the name and number of the representative to call on my own. However, a few days later i received a notice prior to wage withholding from Performant Recovery , Inc . 

Please be advise ... i have no knowledge of what the debt is for. I was never contacted initially by them. I never received a collection notice so the debt was never validated ... .. they went straight to my employer to try and garnish my check and sent me a notice later to advise me of what it is they are trying to do to me .... which is bully me into paying something i know nothing about and could have possibly lost my job.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2016 about Debt collection (Medical) with R.M. Galicia, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My husband was XXXX military at the the time of this bill I had XXXX full medical insurance coverage via XXXX. I never received a bill from XXXX and only found about this debt when I checked my credit report. I contacted XXXX my medical insurance to see why this bill was not paid and they informed me that no bill was ever submitted to insurance dunning XXXX XXXX, 2011. I contacted XXXX about this issue and I asked them to resubmit the bill to my insurance ; they refused. They said they could no longer help me because they sent it to collections. The collection agency said they will remove the report if the insurance company will send them a letter stating that I had coverage. My Insurance says they have no paperwork of any charges/bills from XXXX in 2011, so they ca n't send any letter. Tri-care ( my medical Insurance ) said to ask XXXX to resubmit the bill. Each agency tells me to contact someone else.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2015 about Credit card () with JPMORGAN CHASE & CO. (PA).
Issue: Closing/Cancelling account

Complaint: My company got a Chase XXXX credit card. The person that applied for the card left the company last year and no longer works for the company. The account was paid and had a XXXX balance when we called and closed the account last year. The company kept the account opened and charged the annual fee and continued to charge the late fees for nonpayment. We did not receive any bills for over XXXX months and only last week we received an email saying the account was past due and closed because of non-payment. I called the customer service number and was transferred back and forth for over XXXX hours looking for someone that could reverse the charges. I was finally transferred a supervisor named XXXX XXXX, who said the only person that could close the account was the person that no longer works for the company, which we ca n't get a hold of. We asked that all the unauthorized charges be removed and he said he would not and threatened to keep on accruing interest and late fees on charges that was never authorized and additional late fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-01-2016 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MO).
Issue: Loan modification,collection,foreclosure

Complaint: On XXXX/XXXX/2007 my house was foreclosed on and sold for {$100000.00} on the courthouse steps. An attorney by the name of XXXX XXXX with XXXX XXXX XXXX XXXX representing Countrywide ( mortgage company ) and XXXX XXXX ( XXXX loan ) was in charge of the sale of my home. On XXXX/XXXX/2007 My attorney, XXXX XXXX and I filed for chapter XXXX and received case number XXXX. If I would have been given my automatic stay I would still be living in my home. XXXX XXXX told my attorney, XXXX XXXX, that she did n't care if I filed bankruptcy, she was moving forward with the sale of the home regardless of the bankruptcy filing the previous day.

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 11/28/2016 about Debt collection (I do not know) with Hunter Warfield, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XX/XX/XXXX I sent the notice below to XXXX : I have received a notification from the credit reporting agencies of a collection account related to fees associated with the apartment inspection I rented between XX/XX/XXXX and XX/XX/XXXX. The letter you sent related to the inspection stated that we had 30 days to respond your request ; we reached out to you via phone several times and were told that somebody from your office would contact us to go over items we were disputing. We never received a call from your office, even after follow up calls. 

I would like to get this matter settle and the collection item remove from the reporting agencies while avoiding legal procedures. If I do n't hear your office within 30 days from XX/XX/XXXX, I will file the necessary court documents to dispute the charges and have my credit report clean. You ( XXXX ) will be responsible for any legal fees including, but not limited to court filing documents and attorney expenses should I hire one to represent me. 

I can be reached at XXXX with any questions you may have. 

Thank you. 


XXXX Further, I contacted the XXXX XXXX hired by XXXX : Hunter Warfield, Inc.-XXXX, XXXX, FL XXXX - Sent them a letter on XX/XX/XXXX requesting validation and to dispute the debt and they have not contacted me as of XX/XX/XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2016 about Debt collection (Payday loan) with Integrated Recovery Services (OK).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XXXX from Integrated XXXX called asking to speak to an employee of our company, we let them know this was a place of business and personal calls were not allowed. XXXX then laughed and said it was funny that he ca n't speak to the employee about her debt she owed. Our other employee asked how he could be discussing her personal matter with someone other than his customer he said he was n't. She asked him not to call the business number again. He then called back and when he was again asked not to call our business again, he said get use to my voice you will hear it everyday til she pays and hung up. We then called the company spoke to another gentleman who said he would take us off the list of people to call. The next morning our manager called the company and spoke to XXXX after we had received an automated call asking for garnishment information about our employee. She spoke to him about his employees collection efforts, he then said he would take care of the matter and that he recognized the error of XXXX collection efforts and assured us that our business would not be contacted again. at XXXX XXXX/XXXX/2016 XXXX called again, asking for our employee, we let him know we had spoken to his manager who said we would not be contacted again. He said no we did n't, there was no XXXX and that he would continue to call everyday. Our manager then called XXXX back who said would you like me to spank him? She asked why his attitude had changed since their earlier discussion, he said that the only way they would stop was if the debtor had her lawyer send a cease and desist letter. Our manager let him know that was not true and to be expecting XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2017 about Other financial service (Money order) with WESTERN UNION COMPANY, THE (TN).
Issue: Customer service/Customer relations

Complaint: I purchased XXXX money orders for {$990.00} equaling {$9900.00} on Friday the XXXX of XXXX 2016 at a XXXX store. These Money Orders were then deposited into my financial institution account the same day. The Money Orders were approved and processed on Monday the XXXX of XXXX and posted as cashed according to Western Union on Tuesday XXXX XXXX, 2016. Unfortunately on Thursday XXXX XXXX, 2016 these XXXX money order became Returned Deposit Items due to allegedly being 'Altered/Fictitious Items. ' Western Union is aware of this issue and knows it 's their fault but still choose to hold up my money of {$9900.00} due to a '30 day process. ' This has damaged my relationship with my bank and this situation needs to be resolved immediately. I want my check due to me expedited from Western Union, a letter from Western Union written to my financial institution consenting to fault, and a written letter of apology from them. I am not the only person I know of that had this issue. XXXX of the people I know received his check within a week and it has now been well over 3 weeks with no compliance from Western Union.

Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (ID).
Issue: Other

Complaint: I have sent Capital One several requests for validation and investigation regarding XXXX accounts listed on my credit report. I first reported them as fraud but Capital One said they had limited information. I 'm not sure how else to say it 's not me!!!. I asked for validation and investigation including my original signature and they keep sending letters that say they need more information. The letter Capitol one sends only has the last XXXX numbers in an account showing- the accounts listed on my credit report do n't show the last XXXX numbers. There is no way to match them. I sent 3 request to the credit reporting bureaus and they can not validate the accounts either, Capital one needs to delete me from their system they have had more than 3 months and multiple requests to provide complete and accurate information and they have not done it.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2017 about Debt collection (Medical) with Harvard Collections, LLC (SC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The collection agency  Havard Collection,   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX , Il  XXXX , called my house number asking for my father-in-law 3 times today. They called at  XXXX ,  XXXX , and  XXXX  each time it was the same gentleman with an extremely heavy  XXXX  accent I asked this person to remove my number since I am not my father-in-law. On the call at  XXXX  this gentleman raised his voice at me in an abusive aggressive manner telling me that if I am not my father-in-law I was to put him on the phone. I am female so I am clearly not him. I am aware that this gentleman called my father-in-law 's cell phone around  XXXX . During that conversation an  XXXX  gentleman demanded payment. My father-in-law told him that his bill from   XXXX   was a charity write off and asked him to send a bill. The gentleman refused demanding payment threatening him saying have you bothered to check your credit lately, he said no, the man said I think you should. This person attempted to call again around  XXXX . My father-in-law was with me describing what had happened earlier when the second attempt at contact within the same day happened. I called the number spoke with a man named  XXXX  who claimed to be the collection manager. After numerous attempts to get  a street  address to mail a letter of dispute he finally provided it.  XXXX  assured me that all calls would stop. I also explained that in   XXXX   he did not have insurance and was contacted by  XXXX   XXXX  about a charity write off of this debt.  XXXX  did provide me with the account reference number of  XXXX . This company has violated the FDCPA by attempting numerous contacts with my father-in-law within the same day and by harassing me with  XXXX  calls to my residence when I am not him. They are continuing to attempt to collect a debt that is not owed or should not be owed. I personally feel that the statement about thinking my father-in-law should check his credit report was a threatening tactic. My father-in-law is elderly, battling  XXXX , and just recently got on social security which has been expressed to this company numerous times today. My father-in-law also has  XXXX   XXXX   XXXX . The added  XXXX  of these abusive tactics is not good for his health.

Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2016 about Debt collection (Medical) with Receivable Solutions, Inc. (SC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Receivable Solutions has reported incorrectly. Each time we try to talk to them we get threatened. Last year they had reported duplicate accounts. Now those accounts are removed and XXXX account has been reported of over {$6000.00} the dates are wrong and the amount is wrong. Yet they will not talk with us even in order to set up payment schedules.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
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: My last plea for help was on XX/XX/2018. I have been asking for SEVERAL months that Experian and XXXX   update my correct name and address on my account so that I can dispute online. As of today 's date they STILL have not corrected my name and I can not dispute on line

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 10/20/2015 about Prepaid card (ID prepaid card) with Empowerment Ventures, LLC (CA).
Issue: Fraud or scam

Complaint: Rushcard did a system maintenance. While doing this maintenance I had a direct deposit go into my account that they wo n't release to me. The system has been down since XXXX/XXXX/15. I and others have not had access to our money before or after. Many of us like myself still after 9 days have no access to my money. You call the customer service line it hangs up on you. Or there is no answer while being on hold for hours at a time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04-06-2015 about Debt collection (I do not know) with Allied Financial Group & Associates (Closed) (MO).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: This company keeps calling and interrupting me at work, using profane language and not identify themselves besides breathing hard over the phone. I am scared that I might lose my job because I feel intimidated by their phone calls while I am at work and I am scared for my family and our livelihood.

Company response to consumer: Untimely response
Consumer complaint received 01/29/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Transunion previously removed my Bankruptcy filling report due to inconsistent records.. now they re-added the record with false data, stating it was a chapter XXXX filed in XX/XX/XXXX ... this is wrong and they should remove this, ... it was filed in XX/XX/XXXX got discharged in XX/XX/XXXX .. removed from my credit report and recently added for XX/XX/XXXX .. this is wrong violates every FTC rules on fair credit reporting act

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/20/2016 about Debt collection (Medical) with Revenue Recovery Corporation (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: There is a derogatory remark on my XXXX score and this was paid several years back. The medical company and collection company were sending statements to an address I had not lived at for 15 plus years. They finally called me at my employer and I paid it right away.

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 02/17/2017 about Mortgage (Other mortgage) with Eagle Creek Mortgage, LLC (VA).
Issue: Application, originator, mortgage broker

Complaint: XXXX   XXXX   XXXX   (    XXXX   #  XXXX  ) from  Eagle Creek  Mortgage provided an refi-estimate that his company will provide a credit for the outstanding balance of the point amount that the financial institution (   XXXX   XXXX   ) is charging me. However,  XXXX   XXXX  will not include this credit in the loan estimate  ( LE )  because he claims that the  LE  does n't allow a space to provide the credit. See exact communication from  XXXX  email "  XXXX   XXXX  & lt ;  XXXX  XXXX  XXXX  & gt ;  XXXX   XXXX  (  XXXX  days ago ) to me The reason is simply that we can not put anything on the FEDERAL LOAN documents unless the document allows for a space to do that & since the LE is a Federal document we can not alter the document..  <P/>  XXXX   XXXX   XXXX   XXXX  #  XXXX  ) '' I asked for  XXXX   XXXX  to document this credit either in the  LE  or provide a promissory note that he will honor this credit.  XXXX   XXXX  only provided a refund letter unsigned but he would n't include this credit in the loan estimate or provide a promissory note. After my repeated requests for either of those changes, he closed my file with   XXXX   XXXX   This was a complete waste of time especially since I have a  XXXX  day window to get refinance because of my divorce terms.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Debt collection (Credit card debt) with H & S Financial, Inc. (OH).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: I had a judgment placed against me by a debt collection agency who used a fictitious name ( for me ) for a debt that I supposedly incurred with a credit card company that I never applied for. I didn't know they had any judgment or charges against me since it never showed in my credit report, I was never contacted by them and there has been no collection attempts on their behalf that I recall prior to the filing of the original case in XX/XX/XXXXfor a debt that they claimed occurred in XXXX. I also never received any judgment papers from the court or any fees associated with this claim. I got a reviver of judgment paper last month for {$10.00}, XXXX up from the amount that the original amount started at in XXXX for {$7600.00}. The case is still going to be heard for the revive motion next month and still being processed under a fictitious name. This debt never occurred by me or anyone on my behalf because I have never owned a credit card ( other than prepaid ) after my ex husband filed for bankruptcy on or about XXXX and I had to be included in it against my wishes. I would never have used the name that they submitted the claim against me and I was never given any verification of the debt. When I contacted the attorney representing them, they would not let me speak with the attorney on file, the receptionist however refused to give me any verification of the debt other than who the debt was supposedly incurred with originally and the dates that it supposedly happened. These allegations of debt will not be verified, I would never use such a name and I have never used a credit card since bankruptcy. The credit bureaus also put a fraud alert on all my credit reports since this happened and removed the fictitious name from my accounts used by this debt collector.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2017 about Debt collection (Medical debt) with STONELEIGH RECOVERY ASSOCIATES, LLC (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Date of service XXXX XXXX 2011 SRA file number XXXX amount {$2400.00}. Received a notice from a XXXX XXXX that does not have a legal license to ask for money in the state of Georgia nor did I have a contract with. There 's no recollection for me to have gone to the XXXX XXXX XXXX for treatment and if did I 've always had insurance insurance would have taken care of any bills that I had.

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2015 about Debt collection (Federal student loan) with Navient Solutions, LLC. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am being harassed on a daily basis on a debt that I do not owe. I sent them a letter asking them to cease and desist from calling me. I sent a certified letter asking the debt to be validated and they have ignored my requests. They are affecting my credit tremendously with these false accusations.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2015 about Consumer Loan (Installment loan) with LDF Holdings, LLC (WA).
Issue: Problems when you are unable to pay

Complaint: I obtained a {$1000.00} installment loan from Lendgreen. Per my agreement I am to make XXXX installment payments of {$300.00} to satisfy the loan effective XX/XX/2015. Upon checking my account Lendgreen withdrew {$380.00} on XX/XX/2015 causing an overdraft on my account. When I contacted them they stated the XXXX payment would be a little higher due to a certain amount needing to be applied to principle. Lendgreen also advised my loan would not qualify for any alterations to the agreement meaning I would not be able to postpone any future payments. For some reason I am also not able to access my original loan documents. The Lendgreen websijte continues to error out stating my computer is not compatable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief