milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/19/2017 about Debt collection (Credit card debt) with Conn's, Inc. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I 'm in the process of credit repair! I contacted all the bureaus in regards to verifying each debt on my credit files. Conn 's ( XXXX ) originally submitted my charge off amount as {$1300.00}. The resolution in my dispute was the account was " verified ''. I did n't receive any documents showing my affiliation to this account. The update amount of this particular account added an additional {$10000.00}. My new balance is {$13000.00} on all of my three credit files. I spoke to a XXXX rep who stated that it was n't anything they could do but verify AGAIN what the amount is. This process can take another 30-45 days. I 'm totally upset and feel violated that a creditor can add an additional XXXX to my credit file, drop my credit score XXXX points and I have to wait until more research is done. Can you please assist me in this matter? Is there anything I can do? I attached the different credit files from XX/XX/XXXX and XX/XX/XXXX to show the difference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/18/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with TRANSWORLD SYSTEMS INC (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: On XXXX XXXX, 2016 my mother XXXX XXXX XXXX passed away. On XXXX XXXX I went to XXXX in XXXX and return all of their equipment. I 'm now receiving a letter from Transworld Systems inc. attempting to collect a debt of XXXX. At the time of her death all bills were paid. She does not owe this monies and letter does not indicate what the monies is owed for. If XXXX is trying to collect for early termination fee, this is an outrage because she is deceased contract was not broken.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2017 about Debt collection (Medical debt) with Commonwealth Financial Systems, Inc. (TN).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Emergency room visit for 3 hours and got {$15000.00} bill. Refused to pay. Date of Service XXXX/XXXX/XXXX. Hospital wrote it off on XXXX/XXXX/XXXX. Commonwealth Financial Systems started harassing me and reporting me to credit bureau XXXX. The debt has been charges off since XXXX. They are attempting to collect a debt that does not exist. The debt was turned over to my attorney and I assume he had it reversed. I want the prosecuted and fined for their illegal practice.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2016 about Debt collection (Medical) with TekCollect Inc. (OH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Calls from multiple lines, sometimes multiple times a day. They leave voicemails when there is an option with no content -- completely silent. There was no type of identification at all. At one point, my voicemail was completely full and could not accept new messages because they had left so many blank voicemails. I instructed them to stop calling and communicate via postal mail and the phone calls continue.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2017 about Debt collection (Medical debt) with Healthcare Receivables Group, Inc. (NC).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: Healthcare Receivables Group is consistently harassing me. The company has called from different area codes repeatedly every day for months, even after I have asked them to cease calls. They also send mail even after relocation to a different address that I do not provide to them. I have disputed against the company on numerous occasions and there has been no resolution. Upon further investigation, the state of North Carolina requires collection agencies to be licensed and active within their state. Healthcare Receivables Group is currently SUSPENDED with North Carolina 's Secretary State and should therefore be removed from all credit bureau agencies immediately due to a non active status.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2017 about Mortgage (Conventional home mortgage) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Trouble during payment process

Complaint: This is regarding my mortgage with Capital One Loan Number XXXX. Until XX/XX/XXXX my monthly mortgage payment was {$2200.00} but in month of XX/XX/XXXX you increased the monthly payment to {$5000.00}, without any prior notice and tried to withdrew that money from my account since I was under impression that only {$2200.00} is due so I never bother to arrange any money and the ACH requested got returned and the same this repeated next month as well. I never logged into my account in these two months but when in XX/XX/XXXX I logged back in I saw what happened and requested to take a payment on my account but because of these two unauthorized attempts of {$5000.00}, I immediately called Capital One there was a hold put on my account for Capital One 360 by XXXX XXXX XXXX but anyways I still sent a payment by Bill pay service. Had I knew this payment was coming in XX/XX/XXXX or sooner I would have made arrangements. In last 8 years I was never late leave the missing payment aside ; Even in XX/XX/XXXX bank told me my monthly payment will be {$3200.00} and some change but when I called Capital One 360 On XX/XX/XXXX, I was informed my payment was not {$3200.00} it {$3400.00} and the customer service representative I was talking to XXXX agreed on recorded line with her consent, that it was wrong information provide to me by bank. With this lack of communication from Capital One 360 this all had happened and negative items were reported to my credit bureaus. I request you to please remove this negative reporting for my account from all credit bureau. I do have all proof to prove it. I 'll appreciate this if you just take one thing in consideration that I have be a good customer for last eight years and take care of this and avoid me any further frustration.

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2015 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (NY).
Issue: Other service issues

Complaint: I made an online purchase using my very infrequently used PayPal account. I thought that the charge would immediately come out of my bank account. Instead, PayPal defaulted the amount to their Bill Me Later credit that they extended to me. Looking back at the e-mail account I use for services like PayPal and online retailers, I see they messaged me on XXXX XXXX before they charged me interest and a late fee, but did not message me again when they actually did charge me. I did not receive a message about a statement or the charges until XXXX XXXX when they called me with a pre-recorded message which was after they issued the charges. I have begrudgingly paid the fees since they only amounted to just over XXXX dollars, but the fact that PayPal automatically put the money onto the credit line, without any clear indication that it was doing so is frustrating to say the least.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01-03-2017 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have notified Experian that this account is either inaccurately status or do not belong to me. I would like for you to help me to get this matter resolved. This account is not a charge off account. Please removed this account from my credit file.

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 02-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CO).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: XXXX XXXX/XXXX XXXX XXXXXXXX is reporting that I have filed bankruptcy and defaulted on a credit card with them in XX/XX/XXXX, Experian is reporting this information. They are also stating that the account was closed in XX/XX/XXXX. This information is incorrect and harmful to my credit. I filed chapter XXXX bankruptcy in XX/XX/XXXX,  this creditor was included in the filing and all was discharged in 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 non-monetary relief
Consumer complaint received 11/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ACS Education Services (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued willful violation of the Fair Credit Reporting Act regarding your refusal to delete all of the UNVERIFIED Late account information from my consumer file. Despite my three written requests and complaints, the unverified Late items listed below still remain on my credit report in violation of Federal Law. In the results of your re-investigations, you stated to the Creditor Bureaus that you verified that these items are being reported correctly? You still have not identified who in your company verified the accuracy of these Late accounts or how they verified them? As previously pointed out to you, XXXX Law Dictionary, 6th Edition, XXXX, defines Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. What this means is that your company must be willing and able to produce a document that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged late account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. Your failure to provide me with verifiable proof required for your company to post the accounts listed below is evidence that it does not exist and therefore is proof that you cant properly Verify the accuracy of any of the disputed accounts. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 



XXXX XXXX XXXX XXXX/ XXXX ACS

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: my Identity was stolen and personal information was compromise. I filed a police report with my local police Office, including the federal trade commissioner, I also set up a fraud alert with all the  XXXX  credit Bureaus, (  XXXX ,  XXXX ,   XXXX    ) I  contac t Capitol one but they  could not trace any information. neither they would able to help me the issue please refer to credit report attach

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2016 about Debt collection (I do not know) with Debt Recovery Solutions, LLC (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have been receiving calls for years from several debt collectors for my husband 's son 's debts. We owe nothing. My husband and his son have the same name. I have told them to stop calling and gave them son 's phone # but they call several times a day some with different phone # 's ... ca n't answer my phone anymore. 
Last number XXXX. PLEASE HELP! Thank you

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 02-12-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX XXXX XXXX has reported my account information incorrectly for many years. Despite repeated disputes, Experian always verifies the incorrect information. This has been disputed with Experian at least 10 times in the last 3 years Experian reports XXXX 2009 30days XXXX 2009 30 days XXXX 2009 120 Days XXXX 2009 90 Days XXXX 2009 Repossession XXXX 2009 30 Days This report is obviously incorrect and it should be noted that Equifax has completely different numbers that are also incorrect ( complaint filed also on XXXX ) Correct reporting is the account went 30 days late XXXX or XXXX of 2009, no payments were made ever again and the vehicle was repossessed in XXXX XXXX 2009 Both Experian and XXXX claimed to fully investigate and state these are the numbers provided by XXXX XXXX XXXX. Since both have different numbers someone has failed in fully investigating. There have been numerous phone calls with Experian supervisors who agree the reporting has to be incorrect but they never change it and any dispute comes back as verified My belief is that the credit bureaus have failed to investigate and XXXX XXXX XXXX has deliberately reported incorrectly to punatively keep this item on my credit reports beyond the mandated 7 year reporting period. ( complaint also filed on XXXX XXXX XXXX )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-06-2015 about Credit reporting () with Experian Information Solutions Inc. (MA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: An account belonging to my father of the same name was placed on my credit report and subsequently disputed online via Experian.com. The creditor refused to remove the account from my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2017 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: My husband and I are in the middle of an FHA Short Sale for the property located at XXXX XXXX XXXX. XXXX, GA XXXX. FHA /Investor requirement to be late on our mortgage to get FHA short sale approval. Supporting documents are uploaded. Please examine, audit or re-evaluate credit. As you see from the credit report that all creditors shows excellent record- " paid on time never been late. ''

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Account opening, closing, or management

Complaint: Tried to open up an account with XXXX different banks but the banks wo n't let 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 06/23/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (KS).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I have been a XXXX for the past 10 years in XXXX XXXX XXXX in our community. In order to obtain my XXXX degrees, I had to take out student loans myself. During my first few years of XXXX, I was informed about the XXXX loan forgiveness program that is offered through the Department of Education. XXXX XXXX in XXXX XXXX XXXX could earn up to a XXXX forgiveness after XXXX for 5 years. After XXXX XXXX for 4 years, I moved to XXXX XXXX XXXX XXXX. I have now been XXXX XXXX XXXX XXXX for the past 6 years, qualifying me for the full XXXX. My wife and I have been working hard to submit the forms required to receive this forgiveness. Our forms have been denied 5 times in the past year and we are starting to fill helpless. We have followed all the directions and the past three times have had a representative assist us during our form completion to assure accuracy. It seems like new errors are found each time and it takes them over two months to tell us about them. Then we have to resubmit everything all over again. It has been suggested each time that we take forberence because taking XXXX off of our total could substantially reduce our payment, which is over 450 dollars a month, because we do not qualify for any other repayment options. We have learned that during this time our account has increased substantially because of the interest. We are ready to free ourselves and buckle down and pay off our existing loans. Today we submitted another XXXX Loan Forgiveness form and hope that with your help, we can get the forgiveness that I qualify for and pay off the rest of my loans affordably and quickly.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Application, originator, mortgage broker

Complaint: Acct. XXXX
XXXX
I am requesting a copy of my Home Apprasial that was done in XX/XX/2015 from my lender Bank Of America. I dont have a copy. They claim they cant locate it. I am trying to have my taxes assessed and need to bring a copy to my hearing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MO).
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: My ex-husband and I purchased a home in 2001. Shortly after, we divorced. In the divorce, he was granted the home, and assumed all debt related to said property. I have submitted court documentation to the mortgage company multiple times, yet they continue to report this debt as mine. I am now in the process of trying to purchase a home for myself, and am practically unable to do so because this account is being reported on my credit report as a delinquent debt, and as a large debt that is artificially inflating my debt/income ratio.

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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have several inquires on my credit report that I did not authorize. I have asked that this incorrect information be removed. 
XXXX/XXXX/XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXXXXXX XXXX XXXX/XXXX/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 09/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MS).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: I have been paying XXXX a month for a service that dont work. I called several times and the employees didnt understand. They would give me a number to call for global services and I ended up back speaking to the sameness people. Very frustrating to explain the problem to 8 different people in one day and still no results. This has happened before so I canceled the service and restarted it and now its doing the same thing. I do y have money to throw away. I am really afraid that my credit isnt being monitored at all. The report does not update nor the alerts. They had the nerves to tel me I have pulled my credit too many times. That I needed to verify my identity by sending in proof. Ive done that and still no results.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Debt collection (Medical) with Advanced Collection Bureau, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I am in the process of purchasing my first home and too my surprise when I took a look at my credit for the first time in a long time I found this entry for an account that does not belong to me. At no time have I visited a hospital and at no time have I ever given anyone the authority to use my name to obtain any medical assistance. I request the help of the CFPB in acquiring complete validation of this so called account currently reporting negatively on my credit. I request the details used to obtain medical assistance including all details of identification used to open this account. this is an issue of identity theft and I require as per rights by law that this company provide me with full their full validation so that I can resolve this matter swiftly so that this fraudulent account is removed from my credit history.

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