milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-05-2016 about Debt collection (Medical) with LHR Inc. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: On XXXX XXXX, XXXX, I received dunning letter from CCAB Management LLC dba CCAB XXXX dated XXXX/XXXX/XXXX for an alleged debt of {$30.00} owed to XXXX XXXX XXXX from XXXX/XXXX/XXXX. Also, in same envelope, another dunning letter dated same date ( XXXX/XXXX/XXXX ) for an alleged debt of {$30.00} to XXXX XXXX XXXX XXXX from services performed on XXXX/XXXX/XXXX ( not even 90 days old. ) Called CCAB and spoke with " XXXX '' on XXXX/XXXX/XXXX. I paid the {$30.00} co-pay from the XXXX/XXXX/XXXX service directly to " XXXX '' but stated the debt was not even 90 days old and that I tried to pay my co-payment at the doctor 's office on the date of service. I agreed that this was owed. 

However, I said I wanted to dispute the second debt with a date of service of XXXX/XXXX/XXXX. 

I stated I wanted to receive verification of the debt as it stated I could in the aforementioned dunning letter. 

" XXXX '' said due to the Federal Timeline I could not do that now and I would have to contact the creditor on my own. 

I asked " XXXX '' why would his official correspondence state I could request this and yet they would not do it. He once again stated something about a federal timeframe. 

After several attempts, I contacted the creditor ( XXXX XXXX XXXX XXXX ) and was informed that in fact this co-payment had been paid and they did not know why CCAB was dunning us. The creditor said they would have their office manager look into it on Monday. 

After numerous attempts, " XXXX '' from CCAB answered his phone and I advised him that I had verified with XXXX that this amount had been paid a long time ago. " XXXX '' said this made him mad and he would contact XXXX XXXX XXXX XXXX to straighten this out. 

Odd as " XXXX '' said he could not and would not contact XXXX to verify the debt at my request, although CCAB 's dunning letter clearly stated it could and would, but he immediately said he would contact them after I said I had. 

In my opinion, CCAB is blatantly lying in their correspondence. 

CCAB says you can dispute the debt and that CCAB will obtain verification of the debt and mail a copy to you. 

This obviously is not the case nor their practice in handling the collection of debts. 

I spent a lot of my personal time and minutes from my phone doing what CCAB 's official debt collection correspondence stated it would do if I requested CCAB to do it.

Company response to consumer: Untimely response
Consumer complaint received 07-01-2016 about Credit card () with JPMORGAN CHASE & CO. (ID).
Issue: Credit determination

Complaint: I have XXXX separate credit cards that were with Chase Bank, both were charged off in XX/XX/XXXX. I received the IRS bill for taxes on the forgiven amount which I paid which shows that it changed the status of my XX/XX/XXXX and XX/XX/XXXX tax returns ... However, Chase is still reporting to the credit bureaus that I owe the debt. I have been in the process of trying to get a home loan for the past 5 months, this issue has held up the home loan for that time, 5 months now. Myself along with my bank and a credit reporting agency they work with ( core logic ) have all been in communication with Chase Bank, but nothing gets resolved, just a run around, ... Again, the issue is that Chase should be required to report the truth, that these XXXX accounts were charged off in XX/XX/XXXX, instead of showing the debt is still owed, our continued efforts, myself, my bank, and credit agency have not produced any results from Chase, ... Therefor I am submitting my complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/14/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There are addresses on my report for places I have never lived. Also a fraudulent credit card opened in my name at XXXX. I have disputed this with XXXX and want it taken off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2016 about Debt collection (I do not know) with The CBE Group, Inc. (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This company calls me at least 4 times per day. They call me when I 'm working. They never leave a voicemail advising me who they are. They often call me from different phone numbers each day. They have called me from XXXX, XXXX, ect. They are calling my cell phone.

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2016 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I do not know this company and was not provided no specific update information when it was updated on my credit report. Just a different name and that I do not recognize and this do 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 07-02-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with United Recovery Solutions (GA).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: URS Collections called him left a voice mail looking for me. I called & asked to speak with a XXXX XXXX XXXX. The rep informed me that XXXX was busy but then proceeded to tell me that I owed a balance from a check I wrote in 2008. He asked me when am I going to pay it & I told him that I 'm not. The debt is old & would be falling off my credit in a couple of years. His voice & demeanor changed & he said, " Oh, so you 're just not going to pay it. That 's a moral issue. Where are you 're morals? '' At that point I lost it & told him, " You do n't know anything about me nor my morals! Do n't sit up on this phone & try to tell me about myself! '' All the while he is steadily saying some defaming things so I told him that I know about collections. I 've worked in collections before & you 're not even the creditor. Your company bought my record for pennies on the dollar. '' He said, " No we did not! ... '' I told him he was in the wrong because he did n't even say the fdcpa verbiage that he was suppose to say before he went into disclosing my file. He told me he did. If I 'd shut my mouth for a while I would 've heard it. 
Now, I do n't do this but I believe that this company should be violated for this person speaking ill to me. Please make sure that a violation is placed on this company. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: To the best of my knowledge {$400.00} dollars was used on credit card to make down payment on a vehicle purchased the owner and or dealer of the vehicle promised and had a warranty of one week to buy or exchange if not satisfied according to purchaser or buyer vehicle was reposed and dealer did not comply with warranty. this transaction was opened on or about 2005.It has been more than seven years to this date. What I understand Midland funding llc bought the collection debt and has a debt of {$740.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-10-2015 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: This is a Formal Complaint Against Equifax. 

You are reporting inaccurate credit information. 

Company : XXXX XXXXAddress : XXXX, AZ XXXXXXXXAccount Number : XXXXDate Opened : XXXX/XXXX/2007Source : EQUIFAXThe tradeline/account/information therefore needs to be removed/deleted. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible. 

I have been writing Equifax regarding the removal of this tradeline for over 6 months. 

The listed item is entirely inaccurate and as such represents a very serious error in your reporting. 

Please be advised that I am not requesting a verification that you have my mailing address ; rather, I am requesting validation, i.e., competent evidence that I had some contractual obligation sans consumer protection encumbrance which incurred the original claims associated with this tradeline. Note that section 1681s-2 ( b ) of the Fair Credit Reporting Act creates a cause of action for a consumer against a furnisher of erroneous credit information ( XXXX ). 

Please know that you have 30 days to either answer these demands or to remove the associated negative tradeline notations from the CRA reports. Any other action may constitute evidence of your intent to abridge one or more civil or other constitutional rights. Please be further advised that continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for criminal complaints being filed in accordance with FDCPA, FCRA, and other federal statutes. 

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Student loan (Private student loan) with DISCOVER BANK (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I have been contacting Discover about my student loan account since XX/XX/XXXX They had accounting issues on their end which offset my balance. Two people contacted me, as well as sent e-mails and letter saying I did not pay on my account ( which I did, and those reps ended up finding those payments and then adding to the confusion by saying I missed another months payment, which I then had to clear again as well ). I provided proof of payments multiple times. I have even paid more than the amount due most months, so my balance makes no sense to me. I have been requesting a detailed payment history be sent via mail to e-mail to me, and no one has done so. I believe my balance is wrong or I would have been contacted at least by phone. Now, these " missed '' payments have hit my credit report eve though I warned them of that as well. I have almost every e-mail or message I 've sent them, on top of the proof of payments I 've also had to send in more than once. I really ca n't have this. I can provide more documents to prove I 've been reaching out, please just let me know if you need me to get more. They typically respond with a generic e-mail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/25/2017 about Bank account or service (Other bank product/service) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Making/receiving payments, sending money

Complaint: Capital One Credit Card has a line on their statements reading ***important tip*** pay at least the Interest Saver Payment by due date to avoid interest on new purchases, but the amount is lower than actual new purchases. The difference is added to the amount owed, or reduces principle already paid down. The end result, statements intentionally prevent you from paying down balances if you follow the directions on the statement

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2017 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: UNFORTUNATELY -- MY HUSBAND AND I HAD TO FILE A CH. XXXX BANKRUPTCY IN 2011. 
ON ADVICE OF OUR ATTY ; WE DID NOT RE-AFFIRM THE LOAN WITH WELLS FARGO AS " SERVICER ''. SINCE, I HAVE KEPT THE LOAN CURRENT ; EXCEPT FOR A 3 MONTH PERIOD WHEN I WAS ATTEMPTING TO GET A " HAMP '' MODIFICATION. AT THE TIME OF APPLICATION, WELLS TOLD ME TO BE ELIGIBLE, THAT I HAD TO MISS XXXX PAYMENTS. 
SO, MY ISSUE WITH WELLS IS TWO FOLD REGARDING CREDIT REPORTS : ( 1. ) THEY CONTINUE TO SHOW XXXX MISSING PAYMENTS -- EVEN THOUGH WELLS TOLD ME TO DO SO -- AND -- THEY DO NOT ANSWER THIS WHEN I WRITE -- THEY ONLY SAY PURSUANT TO THE FDCPA ; AND ( 2. ) AS STATED, WELLS DOES NOT/WILL NOT SHOW THAT I KEEP PAYMENTS CURRENT. AGAIN, THEY STATE BOTH THE FDCPA AND CALIFORNIA FDCPA. 
THEREFORE : IS WELLS WITHIN THE LAW BY ( 1. ) CONTINUED REPORTING THESE XXXX MISSED PAYMENTS ; AND ( 2. ) IS WELLS WITHIN THE LAW BY DENYING THE FACT THAT I MAKE PAYMENTS ON THIS LOAN -- EVEN WHEN I ASK THEM TO REPORT? 
THANK YOU XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CAL. XXXX FORMERLY : XXXX XXXX XXXX XXXX. 
XXXX XXXX, CAL. 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 10/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AR).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX XXXX ( XXXX ) continues to report inaccurate negative information to the three major credit bureaus. On XXXX XXXX, 2017, I requested that XXXX provide the following information to validate the debt allegedly owed : 1- Agreement with your client that grants you the authority to collect on this alleged debt. 2- Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 3- Any insurance claims been made by any creditor regarding this account. 4- Any Judgments obtained by any creditor regarding this account. 5- Name and address of alleged creditor. 6- Name on file of alleged debtor. 7- Alleged account number. 8- Address on file for alleged debtor. 9- Amount of alleged debt. 10- Date this alleged debt became payable. 11- Date of original charge off or delinquency. 12- Verification that this debt was assigned or sold to collector. 13- Complete accounting of alleged debt. 14- Commission for debt collector if collection efforts are successful. To date this information has not been provided 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 04/21/2016 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (CT).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Receive a call from board and park XXXX indicating that I owe money for a providian credit card that was opened XX/XX/XXXX. They stated that my check would be garnished. I asked for something in writing. They said they sent it to me XX/XX/XXXX but I was just contacted on XX/XX/XXXX for the 1st time. They refuse to send me any written communication. I tried to look the company up on the internet and can not locate them. I 'm concerned about whom is trying to make an arrangement me with. Not sure if the company is ligit. They only gave me 4 days to respond with a decision if I was going to pay the remaining debt.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2017 about Debt collection (Credit card) with CITIBANK, N.A. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: None of above " Best describes ''! 
Re VEXATIOUS LITIGATION by XXXX! 
From a recent message sent to the Georgia Dept of Law ( of which can NOT handle such cases ), re XXXX County Magistrate Court enabling such behavior of XXXX XXXX : " This is in re to a large number of XXXX XXXX cases handled here, by a law firm in XXXX GA! 
Is there a payoff? Payola? 
My situation : I have a XXXX handled debt that I have actually PAID off, and even an OVERPAYMENT!!! 
I am XXXX years old, on SSA XXXX, the past 3+ years I have over paid the {$1500.00} as agreed upon in the 2013 Consent Judgment - however there were 4 months in which my monthly recurring payments ( checks automatically withdrawn ) did not clear the bank ( this cost me {$35.00} @ time )! 
Hand written on this consent judgment by the XXXX attorney is : " ... $ XXXX/month, beginning XXXX/XXXX/13 and continuing by the XXXX of each month thereafter until the {$1500.00} '' then the printed " is paid in full. '' Morally and should be legally I have honored this! Yet, I filed a 'Relief from Judgment ' of which was denied by the XXXX Magistrate Court !!!??? Since my case was in dispute my hearing was delayed until after the XXXX+ non-contested XXXX XXXX cases, handled by law firm of XXXX XXXX XXXX XXXX GA! 
Online you can see very much anguish by people because of XXXX XXXX ... 
They prey on people of modest income that can not afford an attorney!!! 
This is BULLYING - is it not!? 
This is Vexation Litigation - is it not!? 
I had good credit - then while self-employed my health got bad, and i was no longer able to gainfully work! 
As a result my credit suffered when I was unable to pay some debt - of which I have worked hard to repay all that I could! ... 
The XXXX Co Magistrate Court certainly seems to be enabling the XXXX XXXX law firm and XXXX take advantage of people of modest means - in effect BULLYING them legally! Oppressing these folks that have perhaps suffered injury or health concerns and become unable to pay off their debt! Ca n't some means of humanely methods be used for debt collection, without BULLYING folks!? " From a recent letter to the Chief Magistrate ( newly elected ) : " Notice : they NEVER INTENDED to honor the Consent Judgment, it seems clear!!! 
I have already sent to you copies that should prove this claim! 
Mockery of justice!? Mockery of XXXX Judicial system!? 
Vexatious litigation!? 
Bullying of XXXX County citizens, and allowed and supported by this court!? " That is : their statements NEVER reflected the agreed amount in the Consent Judgment!!! 

Prior to XXXX XXXX I had been voluntarily paying this debt to another agency, with no problems! Then XXXX XXXX got involved ...

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 11-08-2015 about Credit reporting () with Experian Information Solutions Inc. (NM).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Experian is ignoring my requests to investigate, verify and remove accounts from my credit report that do not belong to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
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: Since XXXX, I have been exhausted trying to communicate with XXXX XXXX ( currently XXXX ) regarding my excessive student loans ( {$95000.00} ) I have written letter and made numerous phone calls and I continue to be unsuccessful in my efforts. My most recent request was faxed to XXXX and included specific documentation from my credit report on XXXX/XXXX/XXXX and I received an email which stated that I would receive a response within 5 business day. Not only did I not receive a response, I received a letter that my loans have changed and I know have a monthly payment of XXXX. Part of the issue is I have a mixture of private loans and Federal loans and I was n't aware that they were not consolidated until I began to check my credit report to obtain a mortgage

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 01/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: The below inquires do not belong to me and I did n't ask for credit, I want these removed from my credit report. 





XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Wr XXXX XXXX Inquiry from XXXX XXXX, XXXX Finance XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + Finance XXXX Inquiry from XXXX XXXX, XXXX + Finance XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX  XXXX Inquiry from XXXX XXXX, XXXX + XXXX. 




XXXX Inquiry from XXXX XXXX, XXXX Bank XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX  Inquiry from XXXX XXXX, XXXX + Bank XXXX Inquiry from 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 04/19/2017 about Debt collection (Medical) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I receive frequent calls from  Portfolio Recovery Services.  While I was willing to talk with them at first they began to call so frequently and began to try and guilt me into paying a debt I explained I could not afford that I was forced to block them. They continue to call me nearly every day from a new number.   At one point, they called so frequently that they called within five minutes of my phone being reactivated.
I have ten or eleven phone numbers blocked from them sinc  e   XXXX   alone. There is always a n  ew one, with a new area code to disguise who they are.
Additionally, I have been insulted in their aggressive attempts to collect, one caller go  ing so far as to accuse me of " living off the system '' when I explained I was not married and did nor work and so I could not make a payment on what was a medical credit card debt. I am a student.     I have been criticized and pushed when I have explained my inability to make a payment, to the point I have had to hang up to be left alone. I have been shamed for not being able to do a payment plan like they want me to and I have been reprimanded like a child for being too busy getting off a flight to visit family for  XXXX  to call them.

Company response to consumer: Closed with non-monetary relief