milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/17/2017 about Debt collection (Other debt) with Commonwealth Financial Systems, Inc. (MS).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: XXXX XXXX 2017. XXXX report indicate I have an emergency bill medical via a facility that uses Commonwealth Financial as a collection agency. I have XXXX. I did not go in the hospital or emergency room for treatment. XXXX is reporting false information. This is the second false report on my credit since their breach.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2017 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: Information belongs to someone else

Complaint: I am sending this final goodwill letter in regards to a reoccurring problem by the credit bureaus and creditors continue to place inaccurate information and errors on my credit file. I have contacted each credit bureau by mail sending certified letters, previous recorded phone calls with supervisors and managers that I have on record, a complaint with the FTC, a law suit filed against all 3 credit bureaus along with a separate law suit against the creditors listed in the letter I have attached to this complaint. This is my final attempt to reach you. Please read the letter carefully and take it as a serious matter. It is not a threat, its a final good will letter.

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 03/15/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with Specialized Loan Servicing LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I made a {$5000.00} payment to be applied to the principal of my loan on XX/XX/XXXX. SLS processed the check on XX/XX/XXXX. As of today, XX/XX/XXXX the funds have not been applied to the principal as requested and my most recent statement indicates some of the funds are held in a " Suspense Acct '' while the remainder have been incorrectly applied to a mortgage payment. I have made multiple calls to SLS but they have not resolved this issue.

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 01-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I show XXXX inquires on my experian report that should not be and was not performed by me, I have requested by letter XX/XX/XXXX with copy of companies that they do not belong to me, they have refused to remove off report. 
XXXX -XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/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 06/24/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (PA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have disputed this debt over and over with the credit bureaus and the collection agency. Midland constantly is allegedly doing a reasonable investigation and verifying the account is reporting XXXX accurately. I disagree. While i have constantly asked Midland to verify and validate the debt and provide proof of it such as a contract or account statements showing what was bought with the alleged credit card. They have never sent any documentation at all. They only ever sent me a letter stating to call them to resolve my dispute. Since they have never sent me any documentation regarding the validity of this account they have violated the recent CFPB consent order from XX/XX/2015.

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2015 about Debt collection (Auto) with Patrick K Willis Company Inc (IL).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Received a call from an " investigator '' on " a case brought against me. '' She identified herself as XXXX XXXX from XXXX and started asking me to identify myself by giving her personal data. When I asked what the acll was pertaining to she refused to tell me. Upon giving her my personal info she said it was re repossesion of my car. I called the bank and resolved the issue removing my car from repo. Calling her back to notify her she said she would call the bank, that my car still needed to be repossed or I would be taken to court. This is after I resolved the matter with the actual creditor. She is with a third party who was n't even able to discuss the particulars of my matter but still wanted to interject. I 'm now fearful that the agreement with the bank will be reversed after it was resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2016 about Debt collection (Auto) with Reliant Financial Corporation (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have actually had this company call me repetitively and harass me the company 's name is XXXX they are A auto financing company which I unfortunately have to do business with this company is the worst company that I 've ever seen their reviews on XXXX and XXXX are horrible and I understand why I have been harassed and called countless times in a row by these people I 've also had XXXX of their supervisors call me from her actual cell phone not stating who she was They 've also send me mail stating that my account has added fees now because of not having insurance on my car which is false because my car has been insured since the beginning of the loan and full coverage like any financing company would ask for

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have XXXX XXXX account on report that is XXXX years old. XXXX keeps updating account to keep on credit report. Account # XXXX should be deleted. XXXX 's account # XXXX account is paid in full not charge off. XXXX XXXX has the same account posted XXXX on report. The charge off account should be removed Account was paid in full. XXXX account # XXXX is XXXX years old and should be deleted. Both XXXX accounts # XXXX and # XXXX I received a XXXX for those accounts so they should have been removed. XXXX Bank # XXXX should be removed account paid in full and amount is wrong.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (PA).
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint: CITI CREDIT CARD COMPANY LOWERED MY CREDIT LIMIT BY {$500.00} STATING THAT I WAS LATE WITH " ANOTHER '' CREDIT CARD COMPANY. FIRST OF ALL, I HAVE NEVER BEEN LATE ON ANY OF MY OTHER CREDIT CARDS AND I HAVE QUITE A FEW OTHER CARDS WITH OTHER COMPANIES. SECONDLY, EVEN IF I DID HAVE A PROBLEM WITH ANOTHER CREDIT CARD COMPANY, WHAT DOES THAT HAVE TO DO WITH MY CITI CREDIT CARD? I HAVE NEVER BEEN LATE WITH MY CREDIT CARD PAYMENTS WITH CITI AS LONG AS I 'VE BEEN WITH THEM. ACTUALLY I ALWAYS PAY MY BILL WITH THEM EARLY. I BELIEVE THIS IS A DISCRIMINATORY ACT ON CITI 'S PART WITH LOWERING MY CREDIT LIMIT. BECAUSE CITI HAS LOWERED MY CREDIT LIMIT, MY CREDIT SCORE TOOK A 25 POINT DECREASE.

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 11/27/2015 about Debt collection (I do not know) with TRANSWORLD SYSTEMS INC (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: NCO / Expert Global SolutionsThis company has been calling me for over 1 year. I have no debts.

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Advertising and marketing

Complaint: Robo call to my home number XXXX many times daily. The phone number that the call comes from is XXXX. XXXX from Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2016 about Credit card () with AMERICAN EXPRESS COMPANY (WA).
Issue: Rewards

Complaint: I have received XXXX times of American Express Premium Reward Gold Card Ads & Pre-select Invitations around middle 2016. All the Ads letters state : " GET XXXX MEMBERSHIP REWARDS POINTS after you spend {$1000.00} on eligible purchases with the card within the first 3 months of membership '' After three months of my membership I had made at least {$1000.00} eligible purchases using the card within that three months period. HOWEVER, I only received XXXX rewards points, which is only half of what I was supposed to receive. I contacted American Express Gold Membership a couple of times for a solution, they refused to issue me the rest XXXX as they promise in the credit card ads.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with PORTFOLIO RECOVERY ASSOCIATES INC (UT).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: When I went to court on this debt, the Plaintiff 's attorney stated that he could not provide ANY documentation or the original, or any copy of my signature on any signed contract, or any other original documents showing that this was my debt. But that because he had my name on a piece of paper, that I owe the debt. This is in violation of Federal Law.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2016 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (AZ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: XXXX XXXX purchased an old XX/XX/2009 Chase credit card and had an incorrect address, threatened to suit and said they were attorneys when they were only collectors. There 's a judgement with no signature of mine or my husband and the law firm would n't talk to me because of the incorrect address XXXX had.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2017 about Debt collection (Other debt) with I.Q. DATA INTERNATIONAL, INC. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: The collection agency namely I.Q Data International is  attempting to collect an alleged debt that I do not owe to them. They have also reported it to all 3 credit bureaus. I have never received a notice of my right to dispute. I have never signed a written contract or verbally agree to pay any debt to I. Q Data International. They also have not provided any information showing where I have agreed to pay them for the alleged debt. furthermore, they are illegally attempting to collect a debt from a resident of the state of Texas where it is illegal to do so if you have not obtained a surety bond and filed it with the secretary of State according to section 392.101of the Texas Finance Code.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I made several complaints about negative items reporting on my credit that are fraudulent and should be removed permanently from my file yet I haven't heard anything in response to my demands in months. This is outrageous and I demand this be rectified immediately as it is damaging my ability to obtain new credit. I had a change in address and provided the supporting documents.

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 05/14/2015 about Debt collection (Credit card) with First National Collection Bureau, Inc. (NJ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This company has repeatedly sent me bogus letters about a Debt that is Time-Barred. In their wording they are trying to re-age the debt. It is over 15 years old. 

They are zombie collectors. 

This alleged debt has not only exceeded the statute of limitation but is also no longer valid nor can it be validated by the original company or by the zombie collectors. 

They are using unethical and illegal practices to try and collect a debt that can no longer be validated due to it being over 15 years old. I have contacted the company " XXXX XXXX '' the original debtor and they can no longer find it to validate it even with the extremely aged account number First National is referencing on the letter they sent me. 

New Jersey 's Statute of Limitations for Credit Card Debt is : 6 years State Statute 2A:14-1. 

This company is violating the Fair Debt Collection Practices Act ( FDCPA ) by trying to reage accounts for their financial gain.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Debt collection (Other debt) with First Advantage LNS Inc. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Back in Mid XX/XX/2014 I lived at XXXX XXXX XXXX. I ended up breaking my lease with the apartment and i moved out the country to live with my younger siblings because our mother suddenly XXXX. ( XXXX from XXXX suddenly ) I spoke with the apartment complex about my situation and they told me once they can get someone to move in my apartment when i move out everything would be fine, and someone did move into my apartment ... .so i shouldn't be penalize for breaking my lease ... .I was unaware of these chargers, I was only made aware of these charges 4 years later now that im trying to fix my credit score. I reached out to the collectors and they dont ever answer thephone nor return my calls ... ..I did get in touch with someone and they was rude and unhelpful. They are saying that the amount i owe is {$2200.00}, I dont how they came up with that number but thats not possible.

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2016 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Equifax - As you know, deleting the Pay History for this account orphans the record - and leaves this account Inaccurate and then also incomplete, according to the XXXX and XXXX credit reporting guidelines. 

XXXX XXXX XXXX - Not Reporting Accurately 1. This Account is Paid and Closed. 
2. The Activity Designator is inaccurate, and should not be " N/A '', instead it Should be Paid XXXX Balance 3. The Payment History is inaccurate, and should only reflect the 3 months that this account was opened. The Pay history goes through XX/XX/XXXX, when it closed in XXXX. 2015 Please verify the Open/Close Date for this account Please verify the Pay History that supports this Trade line Please verify the Activity Designation for this account

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2016 about Bank account or service (Checking account) with SANTANDER BANK, NATIONAL ASSOCIATION (VA).
Issue: Account opening, closing, or management

Complaint: On my most recent account statement, Santander charged me a {$3.00} " paper statement fee. '' I had not been notified that I would be charged for receiving my checking account statements via XXXX Mail. Not only was the fee a surprise, but it is also unjustified because the price of printing and postage does not add up to {$3.00}. Nevertheless, I complied with Santander 's desire and signed up for online statements. Then I asked Santander to reverse the {$3.00} fee in light of lack of notice. To date, Santander has not reversed the fee.

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 05/14/2015 about Debt collection (I do not know) with Focus Holding Company (UT).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: I do not owe this place a dime its a scam do not call me again

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I have already filed several complaints about AES/PHEAA. I was notified by a XXXX XXXX let @ XXXX, who pretended to be from your office, he said he was from CFPB. I found out this morning he is n't from your office, but is actually works at XXXX. 

This has wasted weeks of my time. They AES/PHEAA confirmed and admitted ( see attached transcript of XXXX, conversation at XXXX ( XXXX ) with XXXX that proves they verified the loans are not mine ) the student loans they had XXXX, and collected on, and reported negate credit reporting in my name are in fact, not mine. 
They conclued their investigation on XXXX admitting they made a mistake and have my name on soneone elses loans. I these XXXX loans total {$10000.00}, original amount. My XXXX loans I got was total {$3500.00}. We proved by providing AES/PHEAA, this with my original promissary notes I located recently, the XXXX of my college provided AES/PHEAA with their original shoeinf amounts of my XXXX loans which show different dates and amounts, the dates and amounts are not even close to matching these loans they have in my name, The original lender, XXXX XXXX Bank notifying AES/PHEAA, they never issued me a student loan, and original Loan Guarantor, XXXX, notifying AES/PHEAA, they never were guarantor of my loans. 

XXXX straight forward. But today, this person, XXXX XXXX, told me they know these loans are not mine, and they refuse to remove my name off these XXXX loan 's and correct their mistake, essentially forcing me to pay these loans off, bucause in XXXX they sold the loans to XXXX loans. 

This is absurd, first protruding to be this office, and then refusing to correct their mistake. 

Please for the love of XXXX will soneone from your office call me at XXXX, today. I am a XXXX vet and they are knowingly discriminating against me. 
Pretending to be you.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have written to Portfolio Recovery SEVERAL times asking for VALIDATION of my debt and to get the original paperwork/contract. They continue to send letters that say that they have resolved my dispute. I did get a letter in XX/XX/2018 that says the account is closed, HOWEVER I feel that this account should be REMOVED from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2015 about Credit card () with CITIBANK, N.A. (CA).
Issue: Credit line increase/decrease

Complaint: In year XXXX/XXXX/XXXX Citi reports to XXXX a high balance of {$0.00} and a credit limit of {$4800.00}. 
but in XXXX/XXXX/XXXX Citi reports to XXXX a High Balance of {$4200.00} and a credit limit of {$4800.00}. Why? 
In XXXX/XXXX/XXXX Citi reports to XXXX a high {$0.00} and a Credit Limit of {$9900.00}. 
In XXXX/XXXX/XXXX Citi and XXXX do not report a High balance, but report a credit limit of {$9900.00}. Why did Citi not report a High Balance? Is n't my High balance the same as my credit limit? Why is Citi changing my original credit limit? 
In XXXX Citi reports to XXXX a high balance of {$8500.00} and a credit limit of {$11000.00}. 
In XXXX, the same as XXXX and in XXXX Citi reports to all three credit bureaus, XXXX the High balance of {$8500.00} and credit limit of {$11000.00}. 
I need your help to ask Citi bank why they changed the original high credit from {$0.00} to {$8500.00}? Ask Citi why they changed the Original credit limit from {$0.00} and {$4800.00} to {$9900.00} and {$11000.00}? 
Because In year XXXX another bank mirrored a {$7500.00} balance onto another card with a {$0.00} balance. This bank admitted it to me in my phone call to them in XXXX. I had filed a complaint with OCC at that time. I believe Citi is a continued of this, since I made balance transfers to Citi Citi bank had a responsibility to not continue a false balance that was mirrored. I believe that XXXX is helping me with this and XXXX that the truth in the explaination by Citi will be given, as the trail of this error could have stopped a long time ago.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Debt collection (Medical) with First Federal Credit Control (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: The institution in question mailed me a bill for {$56.00} after my visit which I had pay my co-pay. The statement had no due date and was payable by check, on XX/XX/2016 I paid the balance in full. Then on XX/XX/2016 after the balance was paid in full the institutions sent me to collections ; which now reflects a collection case on my credit report.

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