milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/20/2016 about Debt collection (Credit card) with CAVALRY INVESTMENTS, LLC (IA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Cavalry SPV I , LLC ( serviced by Cavalry Portfolio Service ) purchased a debt that originated with XXXX South Dakota. XXXX South Dakota was merged with XXXX XXXX as of XXXX/XXXX/XXXX - coincidently the same time period that the debt shows as being charged off ( XX/XX/XXXX ). My XXXX report dated XX/XX/XXXX shows the account being reported with Cavalry will fall off on XX/XX/XXXX and XXXX it shows it will be on my report until XX/XX/XXXX. This debt had a 1st delinquency date XX/XX/XXXX, with a charge off date with XXXX South Dakota much earlier than when reported by XXXX XXXX. I disagreed with the balance that Cavalry is reporting, in addition to the dates provided on the reports. I have disputed this debt with all three credit bureaus - XXXX, XXXX and XXXX, not once but twice, with the credit bureaus responding that the debt has been researched and no changes to the report. Then on XX/XX/XXXX, a new merged credit report was pulled showing all three credit bureaus - the Cavalry debt is now reflecting a last delinquent date of XX/XX/XXXX, a last payment date of XX/XX/XXXX, and a last activity as of XX/XX/XXXX. This is completely different information that was being previously reported and/or what is reflected on their letter they provided to me. It appears that they are trying to re-set the date - or at the very most change the time period of how long it will continue to be reported on my credit bureaus. I have attached copies of all documents mentioned in this complaint. I would like Cavalry to report correct information to all XXXX credit bureaus, or remove the debt from immediately from all XXXX reports. Thank you for your assistance

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (GA).
Issue: Account opening, closing, or management

Complaint: CitiBank has still not been able to properly deliver my check from XXXX previous cases. The most recent one they sent me a photocopy of it, which is useless and can not be deposited. I asked for it to be mailed to me, at my correct address ( which they had on file under my CitiBank account the entire time ), but since they did not respond to my original claim resolution dispute I have no faith that they will respond to my XXXX resolution dispute. Hence, I am creating a XXXX one.

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 monetary relief
Consumer complaint received 07-07-2015 about Credit reporting () with EQUIFAX, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Called XXXX to remove inaccurate item, they told me the address does not match and the phone number does n't match, but are not helping in any way to remove it. Can not get through equifax questions to initiate dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2018 about Debt collection (Credit card debt) with Alliance Data Card Services (MI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XXXX XXXX has been calling me almost daily for three weeks because my last payment to them was {$5.00} less than the minimum ( I 'm unemployed and it was all I could manage at the time ). They never leave a message. They have not contacted me in writing. When I log in to my account online, there is no indication that I have an overdue amount of {$5.00}, only a minimum payment of {$60.00} that is due five days from now ). XXXX XXXX calls me so much over that {$5.00} I owed them that my caller ID has labeled them " suspected spam '' or " nuisance. '' They call from at least five different phone numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX has called me at least 48 times in the last three weeks over a " past due '' amount of {$5.00}. My own mother does n't call me as much as these people. 

XX/XX/XXXX : 11 calls between the hours of XXXX XXXX and XXXX XXXX ( this last call occurred only because I made this month 's payment, then called XXXX to tell them to stop calling me 10+ times a day ) XX/XX/XXXX : 3 calls between XXXX XXXX and XXXX XXXX 
XX/XX/XXXX : XXXX call XX/XX/XXXX : 4 calls between XXXX XXXX and XXXX XXXX 
XX/XX/XXXX: 2 calls XX/XX/XXXX : 2 calls XX/XX/XXXX : 2 calls ( I had already made a payment that day ) XX/XX/XXXX : 5 calls between XXXX XXXX and XXXX XXXX 
XX/XX/XXXX : 3 calls, but two of those calls were in the same MINUTE ( XXXX XXXX ; they called, let it ring a couple times, hung up and immediately called again ) XX/XX/XXXX : 3 calls, but two of those calls were made within the same minute ( XXXX XXXX ) XX/XX/XXXX ( a HOLIDAY, but they still ca n't give it a rest ) : 3 calls between XXXX XXXX and XXXX XXXX ( two calls within the same minute ) XX/XX/XXXX : No calls. I assume the XXXX Department took the night off for XXXX. 
XX/XX/XXXX : 2 calls between XXXX XXXX and XXXX XXXX. 
XX/XX/XXXX : 3 calls between XXXX XXXX and XXXX XXXX ( 2 calls within the same minute ) XX/XX/XXXX : 1 call XX/XX/XXXX : someone had the day off. No calls. 
XX/XX/XXXX : 1 call XX/XX/XXXX : No calls ; the good people at the XXXX XXXX XXXX Department must be XXXX XX/XX/XXXX : 2 calls, both at XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-06-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (IL).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: KEPT CALLING ALL FAMILY MEMBERS CELL, WORK AND HOME NUMBERS ( SEE ATTACHED LIST ) IN VIOLATION OF TCPA.

Company response to consumer: Closed
Consumer complaint received 07-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
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: It was reported on my credit reports that I was late 60-90 days late on my student loan # XXXX with XXXX XXXX XXXX XXXX XX/XX/XXXX-XX/XX/XXXX. I applied for a forbearance due to XXXX and out of work for 3 months which was approved by XXXX until XX/XX/XXXX. I sent XXXX an inquiry as to why they reported to the credit bureaus that I was late and they sent me a letter stating that they did not report any late payments to the credit bureaus. I demand this account be removed from all 3 of my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2016 about Debt collection (I do not know) with Navient Solutions, LLC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: For over 60 days Pioneer Credit, XXXX, has been calling my cell phone asking for a person named XXXX. I am not XXXX. I am a man. I have repeatedly asked them not to call my cell phone and that I am not XXXX. They then have told me they are attempting to collect a date in XXXX XXXX 's name. I do not believe they are even allowed to tell me someone 's first & last name, are they? In addition, their phone calls have not ceased. I would like to file a formal complaint against this company. If I ever had a collection I would not want a company calling random people telling everyone I had a collection. Is n't this personal information and why wo n't they stop calling 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 02/16/2018 about Debt collection (Other debt) with Alco Collections, Inc. (MI).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I have been calling for months to try and settle this debt owed. I now live in a new state and can't get a place to stay because of this debt. No one ever answers the phone nor return my calls after I leave a voicemail. All I'm trying to do is pay so I and my children can have a place to stay. I'm XXXX living in a XXXX at the moment because of this reason. I've never received a letter or anything from this collections agency ever. I only found out about it when I checked my credit and kept getting denied housing because of this.

Company response to consumer: Untimely response
Consumer complaint received 03/17/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Because of the retrieval constraints for my credit report, and then unauthorized " Security Freeze placed on my report by TransUnion, I am again electing to place this dispute through this channel - to eliminate the XXXX steps Trans Union, has placed in my path. 

XXXX, XXXX XXXX has been CLOSED since about XX/XX/2015. The account is not reporting as closed - rather it is simply flagged as PAID. 

Please update the DISPOSITION to Reflect its PAID and CLOSED state Please verify the Last Payment Date and the CLOSED Date Please ensure the PAY HISTORY is ACCURATE, Complete and not in conflict with the account OPEN DATE and the CLOSURE DATE OR, if it is not possible to verify - document and share the same, and please DELETE THE TRADE LINE

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 09/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I checked my credit report on XXXX XXXX, 2017 and recognized the inquiry. I called XXXX XXXX, and the operator told me she never heard of an inquiry being removed Wether it was authorized or not.

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 04/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with UNITED SERVICES AUTOMOBILE ASSOCIATION (PA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: This company is reporting inaccurate late payments. Each credit bureaus has different months being reported which is inaccurate and needs to be removed as the FCRA law requires. 

XXXX XXXX XXXX is showing that XX/XX/2017 is OK but XXXX is reporting that is was late. However these late payments are an error. 

USAA SAVINGS BANK Is reporting 60 day late payments for 4 consecutive months in 2017 which is inaccurate. How is that possible? Please remove these inaccurate payments. 

XXXX Has yet to provide any signed documents that this account belongs to me. No itemized bill is acceptable, but an actual signature is required by law. 



XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2015 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Account opening, closing, or management

Complaint: My father passed away and his money market and checking account were set up as POD, payable upon death, to me and my brother and sister. Before we even got back from his funeral, they froze his account and said they would not honor any checks written against the account, even if they were written before his death. We went to the Bank of America to close out these accounts. They said it would take XXXX business days to get our money. We had just come from another commercial bank and it took us XXXX minutes to close the account and get our money. So, we got into a long discussion on why it took so long to get the account closed. I had talked on the phone with Bank of America XXXX days before we went in. They said if we presented a Death Certificate and signed papers the branch bank would cut us checks. Never happened and after talking to several different people with several different answers, the time period for getting the checks esculated to XXXX weeks! We left the bank without any resolve to our situation. So each FDIC bank can make up their own rules on when someone can get their money. Either Bank of America is breaking the law, or the Banking sector has no real hard and fast rules for protecting customer rights to their money. What good is a Payable on Death account if the Bank of American can make you jump through infinite hoops to try and get your money?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 08/24/2017 about Debt collection (Medical debt) with Aargon Agency, Inc. (IN).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: XXXX, a medical equipment company, improperly submitted a claim to our insurance company. I contacted the company, after speaking with our health insurance, and asked that the claim be resubmitted. We did not receive a second statement and the debt ( XXXX ) was submitted to AARGON, a collection agency. We have filed a formal grievance through the insurance company but XXXX refused to resubmit the claim using proper medical coding and refused to assist either my husband ( the patient ) or myself with the claim. The first telephone contact with XXXX was made in XX/XX/XXXX after we received the insurance explanation. My husband, myself, and our insurance company all attempted to speak with their company without success. We received a notice of collection dated 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 09/28/2017 about Checking or savings account (Checking account) with Fidelity National Information Services, Inc. (FNIS) (GA).
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint: on XX/XX/XXXX I attempted to make a purchase from the XXXX XXXX XXXX store in XXXX, Ga. Store # XXXX. The amount was {$740.00}. The check was declined by a company named Certegy. This is the second time that they have declined a check without providing a reason other than " a computer algorithm. '' The first was on XX/XX/XXXX ( complaint # XXXX, filed on XX/XX/XXXX ) and was given the same response. I filed a complaint with this organization as well as the FTC. Certegy also, by their report sent to me, shares this erroneous information with other similar companies-specifically Chex Systems. It is  unacceptable that they will not provide the information to me that if I have detrimental or inaccurate information on file with their company, in order that I make correct any mistakes or to point out inaccurate info to them in order for them to correct it. It is also a defamation of character for them to share inaccurate information regarding me to others, especially after being notified of a dispute. I do not believe that this agency actually looked at my original complaint and simply accepted the " form Letter response that Certegy provided '' and closed the complaint.

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 07/24/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with North Shore Agency, LLC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XXXX XXXX, 2016, I received a collections notice regarding a subscription to XXXX. I recently contacted XXXX and informed them that I never applied for a membership or subscription to there magazine nor have I ever received any magazines from them. This payment due is not mine and I am not responsible for this membership.

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 EQUIFAX, INC. (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: Sent a certified letter on XXXX2017 to XXXX regarding validity of debt on my report. I have not heard from them. I did not receive knowledge of letter or any results. I expect all information to be removed. 

Disputed previously the spelling of my name, incorrect address and it was not removed. 

I sent 2 other letter requesting the same information from XXXX and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2016 about Debt collection (I do not know) with FIDELITY CAPITAL HOLDINGS, INC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Sometime XX/XX/XXXX, my wife and I lost our backpack with both our wallets with State Driver Licenses while on a trip with a group of people when it was accidentally left somewhere during a walk, which was near XXXX XXXX CA. In XXXX of XXXX we learned for the first time of a fraudulent debt collection on our XXXX and XXXX credit reports from Fidelity Creditors on behalf of XXXX XXXX, which appears to be an apartment complex but we have no knowledge of this business or ever resided there. It appeared from the credit report that this collection was initiated sometime in XXXX but we were never aware of it until XXXX XXXX and never received any letters or calls from anyone about the fraudulent debt. Fidelity Creditors says they have a signed lease with copies of our IDs, which appears to have unmet terms by someone who fraudulently used our driver license identifications with XXXX XXXX and fraudulently signed a lease with them, which is not notarized and is not ours.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2018 about Credit card or prepaid card (General-purpose prepaid card) with NETSPEND CORPORATION (NC).
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint: I received a XXXX 's XXXX XXXX that looks as though it goes through a financial institution called " XXXX '' ( this seems to be their website : XXXX ). The problem with this advertisement, I guess I would call it, is that it has a card number and my name pre-printed on the card. It also has my name, address, a routing number and account number listed on the front page of the letter. While this is prepaid, you have to read the small print behind the card to understand to really understand what this card is and that your credit was not checked for this card. I was very concerned at first because it had all of the account numbers, my name printed, and I thought they ran a credit report. At first, I thought it was a real credit card put in my name. Why should I have to take the time to shred this information and a card, when I never asked for this. It causes unnecessary stress for the consumer and could be misleading to an elderly person. This is poor advertising and it makes me think poorly of XXXX and this XXXX institution. If my name was not pre-printed on this, it didn't have an account and routing number before being activated, and it was very obvious in the letter that this was not run through my credit ; I would be okay.

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 10/18/2017 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Capital one credit card amount {$3500.00} account ending XXXX this account does not belong to me XXXX newyork this account does n't belong to me ask them to verify it they could n't they just said they have no way Of saying I did n't benefit From Whatever products that they sold

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2017 about Debt collection (Medical debt) with Asset Maximization Group, Inc. (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: This debt has already paid

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (MA).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: Called XXXX XXXX XXXX to close my account on XXXX/XXXX/XXXX. I was told this was completed. Credit bureaus were notified of the account closure. Today I received a statement in the mail that I had an open account which they purchased from XXXX XXXX XXXX with a brand new account number. I never opened a new account with Elan Financial Services and my old account with XXXX XXXX XXXX was closed before the accounts were transferred. Opening new accounts for customer 's without authorization is unacceptable and I would like this account to be corrected to reflect the accurate information immediately.

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 12/16/2016 about Debt collection (I do not know) with Continental Finance Company, LLC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Account appeared on my credit. After multiple attempts to remove, company continues to add account back to my credit.

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