milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I requested to have this secured credit card account closed back in XXXX of XXXX. According to XXXX Bank rep this account would be close and their would n't be a balance left on the account because it was a secured card and you can not charge no more than what you have available on the card. My credit card limit was {$300.00} and I could n't charge no more than {$300.00} on this card. After closing the card and them crediting my account {$300.00} it left me with a {$0.00} balance and all of sudden a month later they let a charge go through for {$200.00} and something dollars, and the charge was not related to me at all and I told them it was not my charge it was fraudulently and they reinsured me it would be fixed and I left it alone trusting them to take care of the charge that was not mine. Months and months goes by never heard back from them so I 'm assuming everything was okay only to find that this company reported to the credit bureaus I owed them {$290.00} which is not fair and very untrue.

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 10/23/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with North Shore Agency, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: At one time, we had a subscription to XXXX XXXX which we did not renew. We no longer receive the magazine. Lately a company named North Shore Agency, which identifies itself as a collection agency, has send numerous threatening letters giving us the " opportunity to reinstate our subscription in the amount of {$17.00} before further collection activity becomes necessary. '' I researched this company on the internet and there are XXXX complaints about people receiving such threatening letters related to magazine subscriptions people never had or did not renew. Obviously this is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This was paid and the lady said they were going to delete it from my file if I paid it. They are still listing this on my reports as an OPEN collection and keep reporting it as such when it was paid in XXXX. I sent them a debt validation letter so they could send me some sort of proof, anything really but they have not responded at all and when I call they say they cant help me and hang up. 
The XXXX payments that I made to pay the account off are confirmation numbers:XXXX and XXXXProcessed by XXXX XXXX to which she told me I would get this item deleted from my reports. They have recently updated and they still list on my reports as an OPEN collection and they list themselves as a creditor in which they are not a creditor and I didnt think that a collection agency could list as a creditor with a credit limit etc on someones credit report anyways. I am sure this company is not complying with the law. 
This is against PINNACLE CREDIT SERVICES LLCXXXX XXXX, MN-XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Nevada Credico, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: We lived in XXXX XXXX in XXXX. We moved out in XXXX after giving 60 days noticed. We recieved a bill at our forwarding address for a unpaid electric and we paid the bill. In XXXX XXXX, more than a year after we moved out, the other lease holder, XXXX XXXX starting recieving calls that we owed the apartment complex {$3000.00} due to a broken lease. The lease was not broken and their records should show that our current lease was up. I still have record of the notice we sent in. Also, as we understand it, they are not allowed to charge us a debt unless we are given notice within 30 days, which we were not. They have our current address and our phone numbers, so it makes no sense why we received no notice until a year later and at this point have yet to receive any paperwork or an actual bill in regards to the debt. They had no right to charge us, especially without notice and now the debt is not only in collection, but I have been receiving calls about a lawsuit in an attempt to collect the debt.

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 08-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Receivable Recovery Services, LLC (SC).
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: This company license has expired and they are reporting on my credit report. In order to collect you need a license that 's not expired. I 'm requesting they remove debt from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2017 about Money transfer, virtual currency, or money service (International money transfer) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Other transaction problem

Complaint: I transferred {$1000.00} from my bank at Bank of America account on XXXX XXXX 2017 thru my mobile application to my bank account in XXXX. The money never made it to the account in XXXX due to a misspelling in my first name. After 2 weeks I called Bank of America in the us they kept passing me around making me reidentify myself every time and retelling the same story over and over again.they finally promessed me that the money would be send back to my us account. A week later I called again and was put on hold for 45 minutes without being able to talk to anyone .i would appreciate anything you could do to get my money back Thank you

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 01-05-2017 about Debt collection (I do not know) with Capital Management Services, LP (MN).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have been being harassed at work at home on my cell and now they are calling my daughter and harassing her. I have no idea who the debt is for or what it is for when I try calling them I get put on hold and know one ever comes back to the phone. Now I am being harassed by some carrier service they say from XXXX county in Minnesota say they have legal documents for me that I must sign for and show ID for telling me they would be at my home today between XXXX and XXXX so I left work early today so that I could be here they never showed then revised a message that they are now going to serve me at my place of employment and embarrass me there because I was not home which I was and I have witness that I was here. Their constant harassment and threats are interfering with my life and my work. 
People like this need to be put out of business. 

The debt collector is Capitol Management Service. 

Any thing you can do to help would be greatly appreciated. 

Sincerely, XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2016 about Debt collection (I do not know) with ECMC Group, Inc. (IN).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: A hold was placed on my checking account this afternoon for {$5100.00}. I contacted my bank, XXXX, and they named Premier Credit of XXXX XXXX and Indiana Department of Revenue as the parties requesting the hold. I had not heard of Premier Credit of XXXX XXXX before, and because I pay taxes I 'm familiar with XXXX. However, I was shocked to learn that there is a claim for that amount of money, and even more shocked to have found out by not being able to access the funds in my bank account. I did not receive a certified letter, a notice to appear in court, a day in court, nor was I served papers, or anything similar that could prove that I was provided with communication regarding whatever is going on. According to XXXX, they received a court order and have to comply - my question is where is MY copy of said order? Why do n't I have the order? How is it legal that a XXXX is afforded due process, but I 'm not? I 've been paying taxes since I was XXXX years old, and my income continues to rise, which means the amount that I contribute to this state continues to increase - along with my property taxes. I am extremely offended by this miscarriage of justice. Why is it legal to take money from a bank account without advising the account holder in advance ( certified notification )? Furthermore, this money is not owed, which I will have to spend my time, taking away from my husband and XXXX young children, during the next several days/weeks/months resolving whatever this is all about. However, my issue right now is not whether I owe a debt for {$0.00} or a XXXX dollars - the issue is how is the practice of seizing bank accounts over an " assumed '' debt without providing prior notification or even dispute resolution legal? Where is my due process? Where is my day in court?

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 07/17/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Account opening, closing, or management

Complaint: XX/XX/XXXX, I had a personal checking and savings account with Bank of America in XXXX XXXX, XXXX which I had for a total of XXXX years. The account was closed by BOA XX/XX/XXXX due to account abuse. Now I may have had some overdraft fees but it was never to a point where I abused my privileges. In fact, I recall boa refunding a portion of the funds bank into my account for making a mistake of charging me overdraft fees for transferring funds from my savings account into my checking. They were also involved in a civil suit due to over charging overdraft fees to customers like myself. The account was closed and I had a final balance to pay which is not paid in full but now fast forward XXXX years later, I now resided in XXXX, XXXX and recently started XXXX and I am unable to open a XXXX account because boa has reported me to a company called early warning services. I have been denied from every financial institute you can think of and this is becoming a huge burden and hindering the progression of my business. I have tried everything from disputing the info, providing documents showing it has been paid in good faith and spoke with early warning several times and I am being told that the information will stay on my record preventing me from opening a new account for a total of XXXX years! This is absurb!!! I would like this resolved promptly before the next XXXX years I need an open active account and this is unfair and unjust treatment due to a minuscule amount owed to boa but has been paid in full. These big banks have been XXXX XXXX of people like myself for decades and it is time for them to stop treating hard working honest people in such a horrible way.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2015 about Debt collection (I do not know) with SYNCHRONY FINANCIAL (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Dispute Over Inquiries on XXXX Credit Report- Unauthorized AccessI contend that all of the inquiries made by SYNCB on my XXXX Credit Report are unauthorized and must be removed. Credit reporting is inaccurate and incomplete. I did not give my consent to access my credit report. 

Background Identification BreachOn or about XX/XX/XXXX, I had my gym bag and contents in a locker stolen and compromised. At the time I believed that my identification had been in my purse in my car, however, this was not the case. From that date on I obtained replacement identification without knowing that I had a right to file the information with the credit reporting entities. Since XX/XX/XXXX, up through and including XX/XX/XXXX, I find that an individual in XXXX XXXX XXXX, California, may be compromising my identity. 

During these times I have found that my internet email has been inordinately littered with requests for credit card loan and merchant credit card offerings, which may or may not be normal these days, but seem unusual and suspect. 

Any internet inquiries into my credit, if any, were unauthorized by me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Please see Unauthorized inquiries from XXXX on XX/XX/XXXX andXX/XX/XXXX. Please remove from my credit file as these inquiries are unauthorized and without my permission.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I learned in XXXX XXXX that a debt collector named Portfolio Recovery Associates , LLC obtained a default judgment against me in XXXX XXXX XXXX ( CA ) XXXX XXXX in XXXX ( Case No. XXXX ). I was never served with the summons and complaint. I learned of the judgment when I was contacted by XXXX XXXX sheriff on a judgment levy. I then got records of the court case. I learned that PRA claimed to have served me personally on XXXX XXXX, XXXX at an address I had not lived at or had any connection to since on or around XXXX. The process server that claimed to have served me, XXXX XXXX, has a history of false declarations of service. Additionally, I obtained documents from the court including PRA 's declaration and request for entry default judgment that I believe are false. Although I believe I might have had an account with XXXX Bank at some point in the past, I do not believe I owed a debt for the amount demanded and I do n't have any reason to believe that I owed PRA anything at all on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2015 about Debt collection (Payday loan) with Critical Resolution Mediation LLC (MO).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: Debt collector called me threats to send me to jail never states the call recording or the fact she is a debt collector. Told me I had my end of week or police and state will prosecute me.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed
Consumer complaint received 06/24/2015 about Debt collection (Payday loan) with Delbert Services (VA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I received a call at my office from XXXX and I told her not to call my office. She told me she was calling about a pay day loan and I said I did not have XXXX and that I have received calls about this for 2 years now. She said she would send me an email with the verification of the loan and what she sent me was nothing that could verify anything. I told her to stop calling me and she has called my cell phone and now has another man calling my cell phone threatening to put me in jail tomorrow. I have never had a loan with the company she states and says instead of owing XXXX I now owe XXXX but they will settle for XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: We have started a short sale with OCWEN ( mortgage servicer ) & it 's been almost nine months & they are not willing to work with the highest offer. The current buyer is offering 90 % of what OCWEN wants & OCWEN is still not accepting it. It looks like they are trying to foreclose instead of working with short sale.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (PA).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: The company sent me an email indicating they are closing my account onXX/XX/XXXX based on information reported by XXXX. I called the discover and told them that it 's inaccurate and I have proof to prove it and that XXXX stated they have 30 days to remove it. I asked Discover how can they close my account with inaccurate information and the representative by the name of XXXX stated they can because this information is showing now. I asked if I can provide the verification showing it 's accurate she stated no ; once it 's closed its closed.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I sent XXXX a certified letter back on XXXX XXXX, 2017 about unauthorized inquires that was appearing on my credit. They have not responded nor have they sent me an updated report showing the changes. When I attempt to call in their hold time is always over 45 minutes and I can not get a hold if anyone. There are different names, addresses, inquiries and now a collection showed up over the last week that 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 06-04-2015 about Credit reporting () with Innovis (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Today when I went to see a real state agency I found out that in my credit report is a credit card for {$6700.00} which belong to my ex-husband. When he was my husband we had a joined account, but I am not part of his account anymore. 
How can I get that matter to be corrected? 
I called his bank but unfortunately they say I must contact the credit bureau. 
Thanks for your help. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2017 about Money transfer, virtual currency, or money service (International money transfer) with PAYPAL HOLDINGS INC. (CA).
Issue: Other transaction problem

Complaint: I have used paypal to wire money transfer to pay for a merchandise in XXXX, item was faulty and wanted to return it but paypal just closed the case. <P/>Used Paypal for witleing money Seller 's Name : XXXX XXXX XXXX XXXX, XXXX Transaction Date : XXXX XXXX XXXX Transaction Amount : - {$3900.00} USD Attachef a file of faulty item being inspected by a repair man

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2017 about Bank account or service (Other bank product/service) with CITIBANK, N.A. ().
Issue: Deposits and withdrawals

Complaint: I send money to my personal bank of communication account, XXXX, and you send a email shows that was successful, and I will got it at XX/XX/XXXX, but until now I did n't got it.and I also checked my citiprepaid account, this money also did n't return back, so where is 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 06/21/2016 about Debt collection (I do not know) with LJ Ross Associates (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

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

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Years ago, I had trouble repaying my student loans. Instead of suggestions regarding income based repayment, I was given repeated forebearances until I was out of time. I could have made some sort of payment instead of not being giving that option at all.

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2015 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax is reporting someone else 's name on my credit report. Has contacting Equifax for over a year. Have not received a response and information is not updated.

Company response to consumer: Closed with explanation