milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-10-2017 about Debt collection (Credit card debt) with CITIBANK, N.A. (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They ( XXXX XXXX XXXX XXXX are calling me repeatedly and I have blocked their number, but they continue to use other phone numbers to contact 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 non-monetary relief
Consumer complaint received 05/18/2015 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax is reporting a past due on account listed as " XXXX XXXX XXXX '', this account is not mine and has never reported and is just now reporting for the XXXX time with a {$660.00} past due balance.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: On both accounts reported, XXXX is showing a mortgage loan as being " Open ''. This is false!! Account was closed, house was sold and foreclosure was cancelled and terminated.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2017 about Debt collection (I do not know) with Convergent Resources, Inc. (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XXXX/XXXX/XXXX, I received a collection notice dated XXXX/XXXX/XXXX from XXXX XXXX XXXX XXXX XXXX attempting to collect on {$370.00} allegedly from XXXX. On XXXX/XXXX/XXXX I sent by certified mail ( with signature confirmed delivery of XXXX/XXXX/XXXX ) a letter requesting explanation for alleged debt. They did not respond. On XXXX/XXXX/XXXX, I received a collection notice dated XXXX/XXXX/XXXX from Convergent Outsourcing , Inc for the same debt. On XXXX/XXXX/XXXX I sent another request for explanation which also was not responded to. On XXXX/XXXX/XXXX I received another collection notice from Convergent. 

To my knowledge I have never had a XXXX bill sent to collections ( my credit history confirms this ). I do not currently have a XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: TransUnion Consumer Solutions XXXX. XXXX XXXX, PA XXXX ATTN : Legal Department I am sending this notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database XXXX search. Please also notify the source, who reported the item within 5 days after receiving this dispute, and obtain either verbal or hand written verification directly from a person at that. 
Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted. 
I will expect you to notify me the results of your investigation within 5 business days from the completion of your investigation. In addition, I will expect you to complete your investigation within 30 days from the date you receive this dispute or the item being disputed will be unverifiable. 
The items that appear on my credit report as : 1. ACCT. NAME : XXXX ( ACCT # XXXX ) ACC BAL : {$1900.00} This account has been charged off and sold. Please delete. 
2. ACCT. NAME : XXXX XXXX XXXX ( ACCT # XXXX ) ACCT. BAL : {$25000.00}. This account was closed. Please delete. 
3. ACCT. NAME : XXXX ( ACCT. # XXXX ) ACCT. BAL : {$220.00}. This account was charged off. Please delete. 
4. ACCT. NAME : XXXX XXXX ( ACCT. # XXXX ) ACCT. BAL : {$1200.00}. This account was charged off. Please delete 5. ACCT NAME : XXXX XXXX XXXX XXXX ( ACCT. # XXXX ) ACCT. BAL : {$31000.00}. This account is closed. Please delete.

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 01/15/2016 about Prepaid card (Payroll card) with First Data Corporation (TN).
Issue: Fees

Complaint: ADP TotalPay card with money network upgraded my account unilaterally without any request from me or any notification to me and charged " account maintenance fees ''. I spoke to the customer service, and they only say they can not reverse but can not explain why the account was upgraded without my request

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I HAVE BEEN A VICTIM OF IDENTITY THEFT ABOUT THREE TIMES IN THE LAST FIVE YEARS AND HAVE ALERTED THE CRA. THERE HAS BEEN NUMEROUS FRAUD ALERT PLACED ON MY CREDIT FILE DUE TO THIS. MY MAIN PROBLEM WITH THE CREDIT REPORTING BUREAU IS THAT THEY HAVE REFUSED TO DELETE THE ENQUIRIES EMANATING FROM THESE FRAUDULENT ACTIVITIES.
I CALLED ALL THE BANKS AND OFFICES THAT ACCESSED MY PROFILE ABOUT THE UNAUTHORIZED ENQUIRY. I HAVE ALSO ASKED INFORMED EQUIFAX FOR A DELETION OF THESE ENQUIRIES WITH NO SUCCESS.
FIND BELOW THE INFORMATION OF THE UNAUTHORIZED ENQUIRY : 1. XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 2.XXXX XXXX  XX/XX/XXXX 3.XXXX XX/XX/XXXX ( Bank can not find any record of this inquiry ) 4 Name of Company Date of Inquiry XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX 5XXXX : XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2016 about Consumer Loan (Installment loan) with Credit Central Holdings, LLC (AL).
Issue: Problems when you are unable to pay

Complaint: Credit Central is coming to my house harassing my wife and have been for the last XXXX days. I owe then about XXXX bucks and they are sending people to my home telling my wife I set up a meeting with them weeks ago. Kinda hard when I 'm on a otr truck driver. They are harassing my family and it needs to stop.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2017 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: Account information incorrect

Complaint: Regaurding my XXXX account XXXX XXXX XXXX XXXX for a XXXX account, it shows the account late last XXXX. I have had numerous calls with XXXX and they agree this is at their fault and have agreed to remove the late stature for XXXX. Please reflect this and the jointly agreed upon decison

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 06/18/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with FAIR COLLECTIONS & OUTSOURCING, INC. (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I lived in a particular apartment building for approximately XXXX years. I moved out in XXXX of 2013, and in XXXX of 2013 I received a bill for rent covering a month I was no longer residing there. I contacted the property and they refused to work with me to resolve the issue. The property is no longer under their ownership and the collection agency has not responded to my dispute in approximately a year now. This is still on my credit report and is causing me great stress. I can not find a place to live due to this invalid debt. They could not provide me with a valid reason as to why I should pay them during a period in which I did not live there. Now that the property is under new management I have no way to settle this. My credit report still says that the debt has been disputed and yet no response or follow up. This has gone on far too long and I ca n't seem to get this removed and resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
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: On XXXX XXXX an electronic payment was made to XXXX XXXX XXXX in the amount of {$930.00}. XXXX XXXX XXXX is one of the biggest banks that perform transactions on the weekends ( based on my experience ). I 've never experienced anything like this before. Apparently the Federal reserve does n't conduct business on the weekend which I did not know therefore not completing my traction until Monday? See attached documents from XXXX XXXX XXXX verifying when the payment was submitted/remitted and was submitted to XXXX XXXX XXXX asking to correct the reporting type. I have never been late with a mortgage payment. I need this removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2017 about Debt collection (Medical debt) with Bonded Business Services, Ltd. (CO).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I was served from Bonded Business Services,  LTD  in  XXXX   XXXX , the information says I need to file information for a debt I owe.     In  XXXX   XXXX  I bought our house and part of the loan was paying off anything listed on my credit report. Part of those were accounts owed t o Bonded Business Services and I have record from my loan company that they had   been paid.     In  XXXX   XXXX  I received noticed of debt owed to  Bonded Business Services a nd I called them to dispute, I was told then my accounts had been paid so I moved on and thought nothing of it, figured it was only a communication error. I was told on that day the accounts had been paid in  XXXX   XXXX . It has been confirmed with  Bonded Business Services this had taken place and is in the notes.      Since I was served now in  XXXX   XXXX , I was confused and calle d Bonded Business S ervices to once again clear up the confusion. I was called back by a  XXXX   XXXX  who identified herself as an employee o f Bonded Business  Services. In speaking with  XXXX   XXXX  she advised me that they accounts I show as paid were different accounts and I still have a judgement against me for another account. She never verified which accounts were for what, only stated I had paid  XXXX  services.     I think asked when I was notified of this and she mentioned I was notified in  XXXX   XXXX , she stated she saw in the notes that I had called and had been advised " the accounts had been paid '' I told  XXXX   XXXX  that was the only notification I had received and had called to dispute and was advised my accounts were paid, which she said confirmed that other than being served there are no records of other attempts to collect the debt or allow me to dispute further.     This is an error on Bonded Business Services, I am not convinced I owe the debt and I certainly should not be held liable for their error. I was advised my accounts had been paid, even  XXXX   XXXX  verified I had been told that but they will not help me further.

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 12-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I received my fico score today XXXX/XXXX/XXXX, showing I have delinquent accounts on my account that are way over due and I had a XXXX credit score and they dropped it down to XXXX. Since my claim my score has continually risen. I have not taken any loans out or have any delinquent or late payments on anything. I called the credit bureaus and received continuous robots telling me to buy my report. I want this investigated because it is n't true and I want this removed what ever it is. I believe this is in retaliation.

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 09/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
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: Account was paid in full ; however, XXXX XXXX/XXXX never followed through with the removal of tradeline in exchange for full payment. According to the The Fair Credit Billing Act ( FCBA ) of 1974, 807. False or misleading representations [ 15 USC 1692e ] ( i.e. section [ 7 ] The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer ). These two companies must be accountable not using the fear tactics debt collectors are known for applying.

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 03/28/2015 about Debt collection (I do not know) with The CBE Group, Inc. (NY).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I owed money on a cable bill that was in collections with CBE Group. I have paid the bill on XXXX/XXXX/2015 and asked that the collection agency sent me something in writing showing that I settled the bill and they refuse to do so telling me that they do n't send out anything in writing. However, my wife just settled a debt she had with XXXX and have since received a written statement that the account was settled. I know I could get something in writing to show I paid but CBE Group is not willing to do so. I do n't know if this is legal and need for someone to look into to this and force them to comply and send a notice saying the account was settled.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2016 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (MI).
Issue: Deposits and withdrawals

Complaint: This situation revolved around who ebay and Paypal interact with one another. My understanding is that at one time the two companies were one. They have since been separated and ownership for each is totally independent. However, ebay 's money transaction service is still Paypal. Even debit/credit transactions that use, for example, a XXXX debit card, are processed thru Paypal. They are many rules that are in force by both ebay and Paypal that determine when the funds are collected from the buyer and when the seller receives the funds. For example, I am a buyer on ebay, I purchase an item from a seller using my XXXX debit card. The funds are immediately withdrawn from my bank account. There are many paths that a transaction can take before the seller has there Paypal account, you can not have your mastercard debit card credited, it must first go to your paypal account and then a request can be made by the seller to have their debut card credited. 

Ok, that is a brief description above of a given process. There are many processes that ebay and Paypal use, depending on their rules and regulations as the time the seller receives the money, first in their Paypal account, which pends the money, in most cases 10 or more days, and then is available to the seller. In the meantime, the dollars remain in either an ebay or Paypal account. That is a lot of money, held onto by these companies before the transactions are completed and the funds that were taken from the buyer and given to the seller takes place. 

IS THIS LEGAL?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/17/2017 about Debt collection (I do not know) with We Collect Inc (WA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have had this phone number for 6 years now and I keep getting phone calls from debt collectors for   XXXX   XXXX   despite the fact that I have repeatedly told them that I do not know who that is, that this is not his number, and to stop calling me. Atlas Financial will not stop calling me despite me having told them this information several times. They call me at least once per week and sometimes they call more than once in a day, they call me with a robot pre-recorded message, they also call me sometimes with live people, they skip the phone call part and somehow direct themselves directly to my voicemail without my phone showing an incoming call at all, and sometimes they actually do make my phone ring before going to voicemail. There are also signs that this is a scam because when I  XXXX  Atlas Financial it comes up with a company that has nothing to do with debt collection, but I do not care to check into it deeply since I am not the person they are supposedly trying to reach anyway. The number they call from is  XXXX  although they have also called from a blocked number and from a phone number in  XXXX , Washington that I did not keep a record of. Their pre-recorded voicemail message that skips having my phone ring says, " We have an important message from Atlas Financial Services, this is a message from a debt collector, please call  XXXX  or visit our website at www.myatlasaccount.com. '' The reason I know they are looking for   XXXX   XXXX   is because when they periodically have a human call me that is the person they either ask to speak to or leave a voicemail message saying they are trying to reach. Please make them stop calling me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: Over the past 4 months I have made several disputes with Trans Union regarding an fraudulent account being reported on my Trans Union Credit report. In my written and online request I asked that Transunion please investigate this item and show proof of validation or delete immediatley from my report. The account in question is XXXX XXXX/XXXX XXXX for $ XXXX.Every dispute I have sent it their response has been that this account has been " verified '' as mine but shows no proof or documentation showing that it is mine. It is my impression on FRCA that the account in question must show a/an signed document showing that in fact open the account ( i.e signature etc. ) I have gotten anything from Transunion proving the account is mine. There is no possible way that this account belongs to me.PLEASE HELP

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 04-06-2017 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have submitted several disputes with Equifax asking for validation ( copy of original document with my signature on it ) of collection accounts reporting on my credit report. The XXXX accounts reporting are from XXXX and they have not submitted adequate validation, they just sent me what appears to be a screen shot of a bill that does not belong to me in both cases. Equifax has just said that the accounts were verified without telling me how they were verified and have failed to show me any proof of validation ( copy of original document with my signature on it ) after I have asked on several occasions.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (CA).
Issue: Problems when you are unable to pay

Complaint: When my car was repossessed, I never received a " Notice of Disposition '' to notify me where and when the automobile would be auctioned off. Also, I never received a " notice of intent '' within 15 days prior to the auction sale. Under California laws, The lender is prohibited from attempting to collect a deficiency balance under these conditions.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: As of today, I received my updated credit scores from XXXX, Transunion and XXXX. My FICO 8 scores are showing the following : XXXX  - XXXX ; Transunion - XXXX ; XXXX - XXXX. When I pull up the older version FICO scores from the credit bureaus for mortgages, I get the following scores : XXXX - XXXX ; Transunion - XXXX ; XXXX - XXXX. When I asked XXXX  why the big discrepencies in the scores, he couldn't tell me why other than every agency is different. If my XXXX is reporting XXXX, XXXX  and Transunion should at least be a XXXX on the FICO 5 and 4. I've been told my several creditors and mortgage lenders that if there's larger than a 20 point difference, it needs to be reported. This is an unfair practice that XXXX and Transunion is doing especially when I'm working hard to reduce my debt ratios and instead of it being rewarded, I'm being punished? How does that work?

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 06/19/2017 about Debt collection (I do not know) with ROC Asset Solutions, LLC (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: I believe this to be a third party collection agency by the name of API and I am just a reference for my son  XXXX   XXXX   XXXX . I have ask this person "  XXXX   XXXX  '' not to call because  XXXX   XXXX  does not live here, I even confirmed  XXXX  's cell phone number with him and ask them not to call my home or cell (  XXXX  )  XXXX  or (  XXXX  )  XXXX  on  XXXX / XXXX / 17  at  XXXX   XXXX   XXXX   XXXX  called my home (  XXXX  )  XXXX  again today  XXXX / XXXX / 17   XXXX  from (  XXXX  )  XXXX  claiming my son told him on Friday to call this number, which I know for a fact, is n't true??? This  XXXX   XXXX  is very, very rude and I asked him not to call again and he stated that he would be calling me again tomorrow, again he 's very, very rude and basically told me I do n't have any rights.

Company response to consumer: Untimely response