milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/26/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Checking my Experian credit report last week, I noticed that there was " key derogatory '' on the report. A collection agency, AFNI , Inc, filed a key derogatory report stating that I have an outstanding balance of {$1800.00} for a debt owed to XXXX XXXX. However, I have never had any type of service or business relationship with Dish network. I have disputed the report with all XXXX credit reporting agencies. I also called AFNI to try to clear this issue up. After spending all weekend and today ( Monday XXXX/XXXX/2015 ) filling out online forms and waiting on hold to speak to a representative with the various credit reporting agencies I am still being told by AFNI that I have to call Dish Network to " PROVE '' that this is not my debt. AFNI gave me the address of the residence where the service was installed and the birth date of the person that ordered the service. The address that they gave me and the birth date were not mine. Both of these pieces of information are on my credit report. So, AFNI should have known from the start that this was not my debt. 
So my complaint is this:1. AFNI should have known that this was not my debt and so I believe that they fraudulently reported this debt as mine when as I say I have never had Dish Network service. 
2. I should not have to file a dispute or contact XXXX XXXX because of obvious errors that AFNI made in reporting this debt as mine. 
3. XXXX XXXX should not be allow to sell their bad debt to AFNI or any collection agency if they have not verified the identity of their customers to a much greater degree than have in my case. I believe that this is also fraud on XXXX XXXX part and grossly irresponsible. Why is it my responsibility to clean up their mess ... because they did not do a good job of verifying their customer. 
I would like to file a complaint against both XXXX XXXX and AFNI.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Disputed bankruptcy, no dispute was placed on the credit report or was it removed, after 30 days still not reported as disputed. All other credit companies have removed said bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: When we moved from XXXX to XXXX, and transferred our service, XXXX charged a {$68.00} equipment fee even though equipment was returned to XXXX. We continued to have XXXX service in XXXX. On several occasions when I called XXXX they said they would waive the {$68.00} fee, but they had apparently turned it over to a collection agency. To date XXXX has not corrected the problem. Poor customer service on XXXX 's part by not following up on their commitment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 03/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Hello, I was recently notified by my credit monitoring service that a new inquiry had showed up on my credit reports. The offending company is XXXX XXXX. First of all, I did not authorize this inquiry. Secondly, I continuously have an extended fraud alert in place at all three credit bureaus, which specifically states that any company who checks my credit must call me and speak to me personally due to a previous identity theft. I can guarantee you that XXXX XXXX can't and won't show you their phone records because they never one time called me, therefore violating several laws designed to protect me as a consumer. On XX/XX/XXXX I sent XXXX XXXX a letter stating that I did not apply for credit with them and let them know I had been a previous victim of identity theft, and to please remove the unauthorized inquiry. On XX/XX/XXXX XXXX XXXX sent me a letter stating that they will not remove this inquiry.

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 03/29/2017 about Debt collection (Medical) with AVANTE (TN).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I started receiving calls from a woman stating to be with Avante USA on XX/XX/2017. I missed this call and did not return it because I do n't know anyone in Texas and they did not leave a message. I then received a call on XX/XX/XXXX and I spoke to this woman. She stated they were trying to collect a debt for XXXX. I informed her I paid off XXXX several years ago. I also informed her that I started receiving calls a few years ago from another company trying to collect this debt, I asked them to validate it, and they never did and they never called again. I asked this current caller to validate the debt. She said she would only do that if I gave her my email address. I told her I would not as I did not feel that was secure, and that she needed to mail me something via XXXX. She stated they had, but I have not received any mail from this company. I told her I would be happy to work with her if she could validate the debt, she again said she would n't mail me anything else so I ended the call. She called again on XX/XX/XXXX and I did not answer. She called again on XX/XX/XXXX, and the same conversation took place. They called again on XX/XX/XXXX, and I did not answer. She called again today, XX/XX/XXXX. I told her we had already had this conversation and I would not speak to her anymore unless she validated the debt. She stated she had never spoken to me before and that I must have spoken to someone else. It sounds like the same woman calling everytime. I explained again I felt this money had been paid to the hospital and she needed to send me proof I owed it. She asked for my email address, which I refused as I did not want my information emailed. I asked her to mail she something and she said they do n't do that. I told her I would not give her any money or any further information until she could proof I owed it. I explained I felt the burden of proof was on them if they are accusing me of being in debt. She then threatened to put this on my credit report, then corrected herself to say it was already there. I told her I was not worried about that at the moment, that she needed to validate the debt. She told me to have a blessed day and hung up. I believe continuing to call me without validation of debt is harassment. They also give out my birthday every time they call to confirm my identity, which I have asked them not to do. They should ask me my birthday and let me give it to confirm my identity, otherwise they are providing my birth date to anyone who may answer. Thirdly, I do not appreciate threatening my credit report for something they can not or refuse to prove. Lastly, telling me to have a blessed day is unprofessional, as I do n't feel the collector 's religion has anything to do with my owing a debt or not. I want validation of this debt, or I want the calls to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Billing disputes

Complaint: REPORTING VIOLATION OF STATE AND FEDERAL LAW BY BANK OF AMERICA. Our Bank of America ( BofA ) Visa experienced some $ XXXX in unauthorized charges. Reported these to BofA on XXXX XXXX, 2016, both with a phone call on that date, and a letter on that date, and they removed the charges, and sent us a letter dated XXXX XXXX, 2016, that " the fraud investigation '' " had been completed and closed, '' but some five months after the original charges the charge reappeared on XXXX XXXX, 2016. This is in violation of state and federal law. We are in California - both CA Civil Code sec. 1747.5 and the federal Fair Credit Billing Act, including 15 USC 1601, et. seq. and 15 USC 1666, provide that after BofA received notice on XXXX XXXX, 2016, of a billing error ( in this case an unauthorized use ) of the credit card, once two billing cycles ( or no later than ninety days ) have run, whichever comes first, the creditor is prohibited from reversing any corrections to the account related to the billing error brought to its attention. Two billing cycles after our reporting the fraud expired on XXXX XXXX, 2016, and even the maximum 90 day period ended XXXX XXXX, 2016. After BofA ruled in our favor on XXXX XXXX, 2016, and removed all charges, they were precluded by law from reinstating the charges on XXXX XXXX, 2016. 

Also, BofA discovered that fraudulent charges led to some address over XXXX miles away from me that is not ours. We FAXed to BofA Fraud Claims " Reconsideration '' department last week a detailed packet outlining how the evidence proves in fact that the charges were unauthorized - for example that XXXX XXXX XXXX has shut down the fraudulent telephone number opened in my name, that the address XXXX miles away from me was a fraud address we have never lived at and has been removed from my credit profiles and a fraud alert placed on them. BofA never verified or confirmed any of these charges with us - the first we heard of them is when they appeared on our statement a month after being made. The law 15 U.S.C. 1643 ( b ) states that the burden of proof is on the card issuer to prove that the charges were authorized - I do not have to prove that the charges were unauthorized. In any case, this is an unfortunate situation and I feel bad for the merchants but someone has opened a fraud telephone account for me at a fraud address we do not live at, and submitted a fraud order to try to use my credit card for shipment of goods to a fraud address. This is more than credit card misuse this is account takeover. BofA must remove all these charges because we will not pay for unauthorized charges, never. BofA has violated state and federal law by reinstating these charges that they already removed, after the two billing cycle / 90 day statutory 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 06/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (ND).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft and have been a victim of identity theft for well over 11 years. I have fraudulent and unauthorized credit card accounts and credit inquiries listed on my XXXX, Equifax and XXXX XXXX credit report. The following credit card accounts are fraudulent and unauthorized : XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX : XXXX, the following credit inquiries are fraudulent and unauthorized : XXXX XXXX XXXX XXXX, XX/XX/2017, XXXX XXXX XX/XX/2017, XXXX XXXX XXXX, XX/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I WAS A VICITM OF IDENTITY THEFT AND THERE WAS AN ACCOUNT ON MY CREDIT FILE THAT WAS REMOVED XXXX XXXX IN XX/XX/XXXX. THENIT WAS REINSERTED BACK ON MY ACCOUNT WITHOUT A 5 AY NOTICE IN XX/XX/XXXX. THIS IS NOT MY ACCOUNT AND THEY HAVE NOT REMOVED IT OR VERIFIED THAT IT IS MINE. PLEASE HELPME GET IT REMOVED AGAIN XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PENTAGON FEDERAL CREDIT UNION (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I am the primary holder for account # XXXX I requested my wife to be remove as AUTHORIZE user and PENFED AND XXXX refused to removed account from my wife 's credit report

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 05/17/2016 about Consumer Loan (Vehicle loan) with AMERICAN HONDA FINANCE CORP (CA).
Issue: Problems when you are unable to pay

Complaint: Upon maturity of the loan they wanted me to pay almost an extra {$1000.00} without being able to tell me what it was for. When I refused they charged off. I purchased a XXXX Honda Accord and financed it through Honda financial account XXXX. During the course of the loan I did a couple of extensions. This changed my maturity date from XXXX to XXXX XXXX. I was half a month behind on payments due to a divorce and custody battle but always paid it before the 30 days and let them know ahead of time. The loan since always paid before 30 days never went past due o my credit. I would each month make the payment and the late fee so each bill read like a double payment. To illustrate the last XXXX bills were as followed : XXXX {$920.00} ( double my payment with the late charge ), XXXX : {$920.00}, but my last bill in XXXX came for : {$1800.00}. I was expecting another {$920.00} which I would pay half off in XXXX and the other half in XXXX and the loan balance would come to zero. However, when I saw the {$1800.00} bill I immediately called. I spoke to several different employees of the company, mailed XXXX different letters and still to this date they have been unable to explain what the additional fees owed are. I even demanded they explain this debt as per my consumer rights under FDCPA. They told me if I did n't pay it, the account would be charged off, and that I plainly owed it. They declined to explain here the fees came from, they declined to provide me proof of them, and they stopped responding to all my letters. Furthermore, they never notified me in writing that my account would be charged off as required by law and they sent it to " charge off '' less than 60 days past the maturity date.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06-09-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MA).
Issue: Delinquent account

Complaint: Hello, I had a credit card with Union Plus. Union Plus was purchased by Capital One. I missed a few payments because I was out on maternity leave and never really got caught up. I tried to get on a payment plan but there was not XXXX available for my financial situation. My account was charged-off by Capital One but they did not ever put my account in their Collection Department or Recoveries Department and both exist. I believe put my account their because it was not an original debt with Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: An account was opened and closed the same day with XXXX XXXX XXXX. But an order for an XXXX computer went through the next day. The company sent the bill to the wrong address, the unlisted/unregistered house address instead of the XXXX. XXXX given. They started calling my work so much that the secretary said stop calling. She later notified me and I checked my credit report. It was on there as a negative late. I called and they argued asking if I purchased the computer. When I demanded they remove the late for or I would not pay, they said no problem. I asked for a letter payment date because of my job, the XXXX and they said okay. The next month the late fee was still there. I called. They said they changed it but I had to file a complaint with the credit reporting agencys and they would remove it. It was just a ploy to get me to admit to having purchased the product. I filed but then my mortgage broker said remove the dispute. So I did to find another late on the credit report. I called them and again they said they had removed it and the fees. They did remove the fees to my account but Only one late mark on my credit report! One late mark remains even though they credited my account and said they would fix it all. I have spoke with several representatives, the last was XXXX, who all but one stated they had been and would remove the late marks, it just takes time for the credit bearues to update the information. Yet, they still have not been removed. I recently resubmitted as XXXX stayed to do so that it would be sure to come off and be updated. 
Yet, the results were verified and updated, which is not removed. They also lowered my XXXX account with them due to the credit score changed by them. It is the only late mark on my XXXX years in the system! Honestly, the worst company I have ever dealt with in my life. They are crooks that will weasel every dollar!

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 03/19/2016 about Bank account or service (Savings account) with PNC Bank N.A. (MD).
Issue: Account opening, closing, or management

Complaint: I have maintained a PNC Bank account since XXXX, XXXX and was placed in a traditional type of account with maintenance free checking, money market account and no fee ATM card. We had enjoyed that convenience for many years and even through several other bank offers. In XX/XX/XXXX, at the XXXX branch of PNC Bank, we were asked to change our account to a premiere or premium account feature with more conveniences and we reluctantly agree. Now, we just discovered that we had suddenly been charged {$10.00} money market account maintenance fee for the last 13 months because we were oddly required to come into a branch and change to yet another type of account or incur the charges. This is really very disappointing as it seems that now, the bank decides when to require its customers to physically come into a branch to change their account and quietly charge their accounts when they do not comply. The manager at the XXXX branch told me that since I just initiated the update today, they will refund only one of 13 months account charges. I need some investigation into this as this may be happening to many other customers. It is actually a glorified form of stealing from customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04-07-2017 about Credit reporting () with Accurate Background (GA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: According to my rights under FCRA ; I have the right to request for information of incomplete material be removed from my credit report. The attached document has information for pending allegations that I have not been convicted of and should be removed per my rights under the FCRA for reporting incomplete information. Please remove this at your earliest connivence.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (DC).
Issue: Loan servicing, payments, escrow account

Complaint: JP Morgan Chase has illegally filed a negative report on my credit that is not true or accurate. I 've been disputing a missing mortgage payment for {$3700.00} plus late fees that accrued since XXXX. Chase finally, after me sending in proof of payment to Chase from XXXX XXXX XXXX, updated my records but it took nine months and three complaints to the CPFB to get them to listen. 
Chase told me my banking records and illegal late payment fees would not affect influence my credit score when I asked them but I was recently denied a loan because of it. Chase writes in my credit report that I have a Maximum Delinquency of 30 days in XXXX for {$4500.00} and in XXXX for {$4600.00} which is not true or accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2016 about Credit reporting () with Clarity Services (LA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I have credit monitoring services through my bank and through OPM because I work for the federal government and alot of our information was compromised. I got an alert from both my bank and the credit services provided through OPM stating that Clarity Services , Inc. checked my credit report for some reason that is still unknown to me because I have not recently applied for any loans or credit cards. I contacted their XXXX number and they tell you to leave a message and they will get back to you, so then I sent an email regarding why are they making unauthorized checks on my credit report. I recieved an email back from a XXXX XXXX telling me to send them a copy of my govenment ID along with other paperwork so that they can investigate what is going on and why they are reviewing my credit report. I replied to the email and stated to him why in the world would I send you my infomation and I am trying to figure out why you are looking into my credit and it was unauthorized in the first place. He stated he understood but is still asking for my information. I have yet to reply to the last email sent by XXXX XXXX and I just do n't feel comfortable with the whole situation. Again like I have said it is unauthorized and I want it removed from my credit report and I would like for them to be investigated for unauthorized use to run my credit report. I have researched this company and many complaints have been made through the XXXX for the same activity that is happening to me at this current time. Please assist me in this matter because I am afraid that someone might be trying to steal my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2016 about Debt collection (I do not know) with Maury Cobb, Attorney at Law, LLC (LA).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: This collector uses robots demanding that I call regarding an unknown debt, then, on the few occasions when I have spoken with someone, has become threatening and abusive regarding the alleged debt, refusing to provide the information necessary to properly identify which debt is being referred to, and, on both occasions, disconnecting the call. An internet search reveals hundreds of lawsuits and other complaints regarding this collector 's tactics -- so apparently this is their modus operandi rather than an exception to their standard business practices. 

It is more than telling that the name of this company, Maury Cobb, appears immediately in the drop-down box as a menu item in the " Company Information '' section of this complaint form. The abuse by this company is obviously a well-developed habit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation