milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-01-2017 about Debt collection (Other debt) with Carter-Young, Inc. (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: Debt was included in bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2018 about Debt collection (Payday loan debt) with Ad Astra Recovery Services Inc (TX).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint: This company has my cell phone number, which is why I 'm clueless as to why they keep calling my place of employment. My boss has asked for them to stop calling and tying up the phone lines. This has become a serious issue. They call my office at least XXXX times a day and every time my boss gets XXXX off. I need this to stop immediately. 
They have my cellphone number for a reason, and they are n't the politest people I 've come across they are very rude and call you a liar ... etc. Please help me resolve this issue this is ridiculous. This matter has been going on for months now.

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I disputed the address with TransUnion on the Public Record because it is not mine and they refuse to comply to my FCRA rights. The address for this case is not mine nor on my file yet they verified it as accurate. That is impossible because the address is n't the same as my addresses. How can they say they verified the address if it is different than any address I have? The rep tried to tell me they spoke with the court directly, which I know is not true. I asked the clerk and she said they are far too busy to be dealing with credit bureaus. She suggested I dispute the address because they wo n't be able to verify it and will have to delete it immediately. Well, I did everything she said and come to find out the XXXX party that trans union used verified this account regardless of the address not being verifiable. Is n't that subject to a fine or something for lying about verifying the address? I am on the verge of small claims court but I figure that 's XXXX way to upset them permanently! All XXXX bureaus are fighting me and I 'm to the point of suing every XXXX of them! Please remind them that when they ca n't verify something they need to delete it. Thank you very much! I attached the petition from the case # for purposes of verifying the address, which is highlighted. This is a case of them lying to prove themselves right yet they continue to violate my rights!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Debt collection (I do not know) with First Federal Credit Control (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: This is an unverified debt and I've already filed chapter XXXX bankruptcy prior to the date of the debt ( s ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: To Whom It May Concern TransUnion  XXXX .  XXXX   XXXX   XXXX , CA  XXXX    XXXX    XXXX .  XXXX   XXXX   XXXX , TX  XXXX   XXXX   XXXX .   XXXX    XXXX   XXXX , GA  XXXX   XXXX ,  XXXX   SOC  #  XXXX  DOB  XX/XX/XXXX   XXXX     XXXX     XXXX   XXXX   XXXX   XXXX ,   XXXX    XXXX  To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item  ( s ) list ed below are as follow : Have enclosed a  XXXX  bills ***PLEASE UPDATE MY CURENT  ADRESS ADDRE SS :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   ,    XXXX    XXXX  BEEN LIVING THERE SINCE  XX/XX/XXXX  THESE ADRESSES ARE MY OLD ADRESS :  XXXX   XXXX   XXXX     XXXX     ,    XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   ,    XXXX    XXXX  Old number and is no longer mine :  XXXX  *****MY CORECT NUMBER  XXXX  CELL Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance wit h 15 U.S.C. 1681i ( a ) (   5  ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.     Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.   Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the pas t six  months.     Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item  ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so   will result in a complaint being filed with the Federal Trade Commission I have also enclosed a copy my state issued ID and a paystub statement with my Name and current address.      XXXX ,  XXXX   SOC #   XXXX  DOB  XX/XX/XXXX   XXXX    XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    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 08-11-2016 about Debt collection (Medical) with Collection Associates, Ltd. (WI).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The dept that they are claiming sould have been covered under my bankruptcy in 2010, but has been on my report sense. I would like it to be removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: CHASE/XXXX XXXX XXXX XXXX failed to notify me about reporting derogatory info.In section 603 ( p ) 15 U.S.C. ss 168s-2 ( a ) ( 7 ) ( A ) ( I ) ; The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after XX/XX/XXXX, furnishing the negative information to a consumer reporting agency described in section 603 ( p ), 15 U.S.C. ss 1681s-2 ( a ) ( 7 ) ( B ) ( I ) .Plus broke commercial law under UCC 9.501 that all notices were timely and properly given bydated certified mail receipt. They were not met. I asked for documentation & received no response. 


Also, CHASE/XXXX XXXX XXXX XXXX '' failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of TX allows treble damages. 

Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) CHASE/XXXX XXXX XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well. 

I attached a copy of the law and the actual document from the federal reserve XXXX/BANK ONE CARD SERV is held liable as well for defamation and in the state of TX a creditor is who collects their on debt is considered a debt collector under FDCPA. XXXX v. XXXX 980 S.W.2d693 ( Tex.App-XXXX XXXX XX/XX/XXXX reh.den. ) citing XXXX v. XXXX 936 S.W.2d 654 ( Tex.App-XXXX XX/XX/XXXX writ dism 'd w.o.j. )

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2017 about Credit card or prepaid card (Store credit card) with TD BANK US HOLDING COMPANY (NY).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I set up automatic payments in  XXXX  for this  XXXX  and  XXXX  account and provided all of bank information in which to process payments. They took the first payment in  XXXX  but failed to take the next payment in  XXXX  although they had all of my information on file. I never received anything via mail or email regarding the account and had assumed the payment would be taken. I received a call on today advising me to contact regarding the account and found that the payment was not debited for  XXXX  and I had subsequently been billed a late fee. I advised them that I set-up autopay in  XXXX  but they claim it was only set for one-time payment and refused to correct any derogatory information reported. I pride myself on a goo d credit score and want derogatory information removed as well as the late fee removed. I have gone on-line and made the payment and would like the issue resolved ASAP.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Creditrepair.com Holdings, Inc. (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have been trying to get this Hard inquiry off my credit for several months now. I have notified all 3 Credit Bureaus to get Validation of my signature asking this lender for credit. They keep responding with it is verified, but I do not know nothing about this company and has asked it be removed several times.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (WA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I was contacted via email by Capitol One at XXXX PDT on XXXX/XXXX/16 regarding potential fraudulent charges. In fact, they were in the amounts of {$900.00}, {$950.00}, and {$8.00}, which maxed out the limit of the master card. After filing the necessary information with Capitol One, they credited the account for the charges plus all associated fees. But, they refused to release the available credit pending the investigation up to 90 days. 

So basically, I 'm being punished for fraud and have XXXX available funds to the card for 90 days. Given that I have contacted the businesses involved, gotten the suspects physical description from a business and subsequently filed a police report, spoken to multiple police agencies where the fraud occurred, filed this report ; I do n't see why I 'm being punished for this fraud.

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

Complaint: Equifax failed to adequately safeguard my credit data against computer hacking, along with another 160 million people 's. Then the company execs try to cash out before the news comes out?

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (KY).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: Since XXXX XXXX, my XXXX XXXX XXXX XXXX has not been showing up on my Equifax Credit Report it showed up from XXXX to XXXX but that was it then the card had dropped of the report and my credit score went down roughly 39 points. I use XXXX XXXX to keep track of everything and all accounts are correct but the only one missing is the XXXX XXXX on the Equifax report ; it 's on the XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2015 about Credit card () with DISCOVER BANK (OK).
Issue: Billing disputes

Complaint: I was reported late by Discover Card to the reporting agencies for XXXX and XXXX as XXXX days late for each month, but I was not allowed to change my billing date to accommodate my monthly federal payment date of the XXXX of the month ( which can post as late as XXXX of the month ). I got behind in XXXX and did not make a full payment trying to finish the larger high school tuition payments for my daughter and pay for her college acceptance monies that all took place in XXXX and XXXX XXXX payment was made every month typically the XXXX of the month and based on the online discover website. I paid a huge XXXX monthly payment over XXXX payments {$150.00} ( XXXX ) and {$330.00} ( XXXX ). Now, the discover representative told me today that I have no payment due in XXXX! The balance minimums due in the online system were for XXXX and XXXX? And, they reported me late for XXXX after paying what was asked of {$480.00}. They refused to change my billing payment date until today to the XXXX of each month so the cycle billing date would align me the way I asked for it to do in XXXX. My credit has been adversely affected for the first time in XXXX plus years as I have not been late in the past. AND, I did make payments each month, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The representative did not care that I have been a good customer and always made my payments. And, that somehow I got caught in a billing cycle mess that I just now was able to get out of. BUT, to report me and then say you do not owe a payment for XXXX after all of these payments and report me late XXXX days for XXXX and XX/XX/XXXX. I told the representative that I would still make my payment on XX/XX/XXXX regardless that her system shows no balance due because I make monthly payments. Please help me to get this credit issue fixed if you can.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: On X/XX/18 I called Capital One to remove a $ XXXX monthly fee from my oldest opened account. they declined offering to open a new account with a yearly fee instead of a monthly. I have a credit score over 800. I have an XXXX and XXXX XXXX XXXX I use as my daily cards. Capital is purely nickel and dimming me. I offered to use the card and have the fee removed. I offered to have it converted to a standard card with no fee. Capital One declined each offer.

Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2017 about Debt collection (Medical debt) with GOLD KEY CREDIT, INC. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: This company has violated Fla Statute 559.715 ( 559.715Assignment of consumer debts.This part does not prohibit the assignment, by a creditor, of the right to bill and collect a consumer debt. However, the assignee must give the debtor written notice of such assignment as soon as practical after the assignment is made, but at least 30 days before any action to collect the debt. The assignee is a real party in interest and may bring an action to collect a debt that has been assigned to the assignee and is in default. ) by not sending notice of assignment to a valid address associated with me ( no XXXX has n't been my address since XXXX 2006 ) plus the debt has far exceeded the Statute of limitations. This ALLEGED debt has reached it 's 4th or 5th agency of which i have disputed validity previously and no info was ever sent back to myself. This agency is also in violation of section 809 of the FDCPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/15/2015 about Mortgage (Other mortgage) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Application, originator, mortgage broker

Complaint: My name is XXXX XXXX XXXX, XXXX last XXXX of social. I apply for a mortgage loan with Capitalone bank on XXXX XXXX XXXX. The loan officer checked my credit and stated it was to low. She stated Capitalone 's minimum mortgage score is XXXX. She stated my credit with Experian was XXXX but that was a lied. My credit score at the time of verification was XXXX. In the past 4 months my credit has never been below XXXX with Experian. I have Credit Tracker with Experian. I checked my credit with Experian confirming it was XXXX. I believe the loan officer discriminated against me. She lied about my credit scores. At this time my credit scores are XXXX with XXXX and XXXX with Experian

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Ad Astra Recovery Services Inc (TN).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I have asked several times for AD Astra to validate an alledged debt and they have not. I have requested a SIGNED contract with them or the original creditor and I have not recieved either. I have requested them to provide me with documentation that proves that I have any legal obligation to pay them. They are continuing to ignore the law. AD Astra has NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. This is the last attempt to validate this alledged debt. 

I am requesting A WET INK SIGNATURE, NOT A COMPUTER GENERATED SIGNATURE. If that can not be provided this accounts needs to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (MD).
Issue: Loan modification,collection,foreclosure

Complaint: Good Afternoon, Loan # XXXX My name is XXXX XXXX XXXX and my mortgage company is Ocwen Loan Servicing , LLC . I am in the process of short sale on my property, XXXX XXXX XXXX, XXXX, MD XXXX. My mortgage company scheduled a foreclosure date on XXXX XXXX, 2016, after my documents were forwarded. All literature that was forwarded indicates that there is a thirty day time frame allotted for the short sale process. 
They have a short sale scheduled for XXXX XXXX, 2016 but the documentation deadline was XXXX XXXX, 2016. I faxed my documentation prior to XXXX XXXX, 2016, therefore, the turn around time should be XXXX XXXX, 2016. 
My real estate broker is XXXX XXXX of XXXX XXXX and his contact number is XXXX and my title attorney is XXXX XXXX of XXXX XXXX and her contact number is XXXX. My broker and title agent have been trying move forward on the short sale, however, Ocwen seems more interested in foreclosing on the property. The property is on XXXX and there is an offer on the property but Ocwen is not counter offering, there is no BPO being done, nothing. 
My contact number is XXXX and I appreciate any assistance that you can offer regarding my situation. I know time is of the essence and I have been utilizing all my resources. My hope, counselor ( XXXX XXXX ) suggested that I reach out to you regarding this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: XXXX XXXX # XXXX XXXX XXXX XXXX XXXX , MN XXXX ( XXXX ) XXXX Date Opened : XXXX/XXXX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : XXXX/CELLULAR Balance : {$0.00} Date Updated : XXXX/XXXX/XXXX Payment Received : {$0.00} Last Payment Made : XXXX/XXXX/XXXX High Balance : {$170.00} Account should be removed from my report, original date of account was XXXX. 


Pay Status : XXXX ; Account Paid in Full ; was a Collection XXXX ; Date Closed : XXXX/XXXX/XXXX Date Paid : XXXX/XXXX/XXXX Remarks : ACCT INFO DISPUTED BY CONSUMR ; XXXX SETTLED-LESS THAN FULL XXXX & XXXX ; PAID COLLECTION 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 06/29/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX is reported incorrectly and does not state " medical '' on credit report. They are breaking the FCRA act and did not indicate this as a medical account. I am asking that this improper reporting be deleted completely from my credit report. In the " Consumer credit reports : A study of medical and non-medical collections '' dated XXXX 2014 it states ... ... 

" As previously noted, research performed by the CFPB demonstrated that credit scoring models that treat medical collections in the same way as other collections trade lines penalize consumers with medical debt collections by underestimating their creditworthiness with lower scores.XXXX The study found that consumers with medical debt were more likely to pay their future loan obligations on par with consumers scoring at least XXXX points higher. '' The credit was reported incorrectly and needs to be removed from the credit reports completely.

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 08-05-2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I requested Experian to conduct an investigation on a XXXX XXXX XXXX account that appears in my credit file. I disputed the account as not mine. It is my belief that Experian did not conduct its investigation as required under 1681s-2 ( b ) of the FCRA. 
See : XXXX I am demanding that Experian provides to me the method and/or account-level documentation submitted by the furnisher of the alleged account used to verify it as my account.

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