milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/28/2017 about Debt collection (I do not know) with FAIR COLLECTIONS & OUTSOURCING, INC. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: XXXX XXXX sent me to collections in XXXX 2017 over a debt due to ID theft. I have since had that collections account and all credit issues resolved through my own efforts, but on XXXX XXXX, 2017 I sent XXXX an email and hard copy letter with a " Request for Records Pursuant to Section 609 ( e ) of the Fair Credit Reporting Act '' in order to receive any and all documents related to my case, in hopes of figuring out who stole my identity and how they did so. XXXX XXXX of XXXX fully acknowledged receipt of this notice and numerous occasions ( including in writing ). Since that date, no one at XXXX has contacted me or given me any indication they plan to comply with the law and providing me the documents as required by law. It has been over 30 days and XXXX is in violation so I am now filing a full compliant. The debt collections company they sent the debt to was " Fair Collections & Outsourcing '' but they are not the company in violation or the company I am filing the complaint about. It is only XXXX XXXX that is in violation and is withholding documents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2015 about Debt collection (Credit card) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: XXXX XXXX XXXX Acct # XXXX is reporting on my credit profile with a balance of {$80000.00}. This account was transferred from Bank of America. This account should not be reporting on my personal credit profile. This is ridiculous! I have demanded to see proof as to why this would report on my credit and have yet to receive documentation. Research and correct this information immediately or delete this account off my credit profile!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2016 about Debt collection (Credit card) with HSBC NORTH AMERICA HOLDINGS INC. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX XXXX XXXX has contacted me on XXXX separate occasions about a balance due on an HSBC-XXXX Bank Credit Card that was open sometime in XXXX and presumptively closed in XXXX. When I asked for more information about this past due account I am not provided any information. The balance in the collection notice states that I owe {$1300.00} but when I am told the balance is approximately {$2800.00}. I took sometime to contact HSBC XXXX -Bank about this account on XXXX XXXX, XXXX and learned that I have never had a past due balance nor has my account ever been placed in a collection status. Furthermore they informed that all HSBC-XXXX Bank Credit Cards were sold to XXXX XXXX in XXXX. I contacted XXXX XXXX on XXXX XXXX, XXXX at approximately XXXX and spoke with a customer service representative who confirmed that my previous HSBC XXXX Bank XXXX with a balance of {$1300.00} was purchased by XXXX XXXX in XXXX and was never sent to a third party collection agency. My account is still current open and in a good standing. Also when the account converted over to XXXX XXXX I was given a new account number to go along with the new XXXX XXXX Card. I spoke wit XXXX XXXX XXXX XXXX about this account again and informed them that XXXX XXXX and HSBC both confirmed that my account was never sent to collections. XXXX XXXX XXXX XXXX stated that my account has never been transferred over to XXXX XXXX and that they are demanding payment. They stated that they will take legal action in XXXX and request a judgement against me. I have asked them to cease further contact and I have sent them a letter but they are still continuing to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2017 about Debt collection (Medical debt) with Pressler & Pressler, LLP (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Pressler and Pressler are suing me for a medical debt. I asked for debt validation they provided me with a statement with mine name and another indidual with the same last name. There is no patient identifier to link the amount to me. There is nothing from the XXXX XXXX stating I owe the balance claimed. This was an adjustment for being a provider. I am not responsible for this : XXXX XXXXXXXX XXXX paid the provider reasonable and customary fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2015 about Credit reporting () with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Capital One is reporting the incorrect past due balance, balance, payment amount, and date of XXXX delinquency. These factual errors are purposely ignored by Capital One and have prove to be detrimental to my financial rating. I have been denied and received unfavorable credit terms because of the careless reporting by Capital One.The Fair Credit Reporting Act ( FRCA ) says the information on your credit reports must be accurate. Credit Reporting Agencies are only suppose to report accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
Issue: Problem with fraud alerts or security freezes

Complaint: I can not get through to Equifax or XXXX to freeze my credit accounts. All available phone numbers I have tried do not get through and the websites are giving me errors. 

I am extremely concerned about fraud on my accounts and would like to freeze them ASAP after the XXXX  hack.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2017 about Consumer Loan (Installment loan) with CNG FINANCIAL CORPORATION (CA).
Issue: Problems when you are unable to pay

Complaint: I sent a cease and desist to all phone numbers in writing to Check N Go. It was received XXXX/XXXX/16. Today, I received XXXX calls to my work number ( but none to my cell ). I called and I was informed that the cease and desist went to their customer service but they were the collection dept ( still with check n go ) and they do n't have it. I informed them they are the same company so my cease and desist would apply to ever dept. She continued to try collection efforts and then stated she would transfer me to a supervisor. I could n't continue to hold and I terminated the call.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2016 about Debt collection (Medical) with Alliance Collection Service (AL).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: In my recent review of my credit report for XXXX/XXXX/16, I notice Alliance Collection service reporting account to XXXX reporting agencies. I request a total deletion under the FCRA. According to my understanding of the Fair Credit Reporting Act, their duty as creditors is to accurately report on all accounts and to correct any of all the mistakes as found by their accounting department of by myself as a consumer. I thank you in advance for upholding the federal law as directed by FCRA and removing these account immediately. 

Alliance Collection Service XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Acct # XXXX {$50.00} I have disputed these unknown accounts with the Collection Agency and they provided me with medical summary charges, they violated XXXX XXXX. I am able to send the documents as proof.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I tried to log into Equifax to view my credit report. I attempted to dispute items. I received an email from Equifax saying they had resolved the disputes. I tried to login to my equifax account. I could n't. I then called the number given to resolve disputes with Equifax to reset a password. XXXX. I got a woman named XXXX located in XXXX. I did record the phone call. This unknown person wanted my social security number which in these days of identify theft I do not want to disclose to anyone I do n't know. She kept asking for some unknown reason if I was called from XXXX or the United States. So clearly she had some information on me. I gave her my email which she said she did not have on file. She then wanted a credit card number which again I did not want to disclose. I think I am tired of companies like Equifax determining my interest rate on mortgages, loans, deciding whether or I can obtain a rental. I did inform XXXX that I was the recording the phone call, so this was not made without her knowledge or consent.The long and short of it is that XXXX and then her manager XXXX demanded personal information such as my social security number which I was not willing to give to somone I do n't know in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 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: RE : Confirmation # XXXX I 'm complaining because Equifax have failed to comply with, furthermore blatantly disregarded, my request to provide me with the documents that their company have on file that was used to verify the account that I disputed in writing. I sent them a dispute letter requesting that they verify all data for the disputed account and nearly 40 days later I have yet to receive anything of the sort. Because it is well past the time permitted by law, and they are unable to verify the account, the Fair Credit Reporting Act Section 611 ( 5 ) ( A ) explicitly states that they are required by federal law to " ... promptly delete all information which can not be verified. '' namely the accounts in my dispute.
I ask that you resolve this matter with urgency as my character is being adversely affected and may be hindering me from obtaining financing to purchase a home because of their wilful non-compliance with the FCRA. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ONLINE Information Services, Inc. (MO).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Online Collections submitted a {$190.00} collection for XXXX XXXX XXXX and failed to send me any notification to my known address on my credit report for over 2 years. This is in direct violation of Federal Law. Since I never knew about debt they failed to disclose it to me by not sending me a 30 day notice before placing it on my credit file with caused adverse reaction to my credit file in which they are liable to the fullest extent under law.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Transunion, XXXX and XXXX have provided my financial information to companies and individuals that have stolen all of my assets and my IRS information.

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 07-07-2017 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: I have received the results from previous complaint XXXX from TransUnion. In which it seems as though they are in direct violation of FCRA 623 ( a ) ( 3 ) -Responsibilities of the furnishers of the information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.
( B ) Time of Notice ( 1 ) The notice required under subparagraph ( A ) shall be provided to the consumer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). <P/>I have also not been forwarded any validation of this debt from the creditor to date. Which I have been disputing for over 8 months. <P/>I am in awe that I have disputed this with your establishment and have not received the adequate justice according to the law. <P/>I have retained a complete dossier on this creditor and complaint. I will next be notifying the Consumer Affairs Division in XXXX, MD should I not receive positive results from this second complaint. I have forwarded to you what I believe is substantial evidence that disputes were made and the appropriate remedies were not performed. <P/>I will again be forwarding to you the same documents and a NEW updated TransUnion credit report.

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 03-12-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (WA).
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint: On XX/XX/XXXX I applied for a new XXXX XXXX personal card. I was approved. Later that month customer specialist XXXX XXXX blocked my card citing " verification purposes ''. 

Since XX/XX/XXXX XXXX XXXX asked for multiple pieces of information from me -- social security card, driver license, business license. All information was sent as requested. The account wasn't reopened and was closed on XX/XX/XXXX citing " violation of cardholder agreement '' however, there was no violation. 

I submitted a complain via CFPB about improper actions by XXXX XXXX requesting account to be reopened. The response was that I needed additional piece of information ( my social security card ) which I faxed again. The account wasn't reopened and customer representative couldn't cite the reason for it. The answer is same " unverified information '' however the bank can't say what information is needed. 

The bank refuses to honor cardholder agreement and refuses to explain their actions.

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 03/30/2016 about Payday loan () with Creditors Specialty Service Inc (CA).
Issue: Charged fees or interest I didn't expect

Complaint: received a letter from Creditors specialty service. They disclosed all my information to my boyfriend. Talked to my boyfriend without my permission. Creditors Specialty Service gave my info to a third party. XXXX XXXX did this. I was calling to ask for verification of this debt, because I do n't think its mine and he kept pushing me to pay for something that is n't mine.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2016 about Debt collection (Credit card) with Radius Global Solutions LLC (MS).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: When they call me I try to explain to them that I do n't work and how can I pay or send money when a person not working and no income.

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 12-03-2015 about Credit card () with JPMORGAN CHASE & CO. (NY).
Issue: Credit card protection / Debt protection

Complaint: In XX/XX/XXXX, Chase Bank claims I allegedly defaulted on debts on XXXX separate accounts. In XX/XX/XXXX, they attempted to sue me. Having never been served with papers, Chase moved forward with the court date. Having no knowledge of the court date, I was in default judgment. Once I received a copy of my credit report, I noticed a judgment on my credit report. When appearing in court, I researched the initial filing by Chase bank as they sued me in lump sum of all XXXX accounts. The case was discontinued in XX/XX/XXXX by Chase and subsequently thrown out by the judge. In XX/XX/XXXX, I received XXXX form XXXX 's for XXXX of XXXX accounts. According to my accountant, I had to claim it as income earned and paid taxes on it. After sending multiple dispute letters to the credit bureaus, Chase eventually adjusted the balance to {$0.00} with the bureaus. After filing another round of disputes, Chase placed the original balance BACK on the credit report. They refuse to take it off, and claim the money is still owed however have no proof of how I owe the money and if I would like to voluntarily pay the balances ( after filing the XXXX ) they would remove the debt from the credit reports. When the account was at {$0.00} my fico score was above XXXX. Once they updated it again as bad debt, my credit score slumped to low XXXX 's. Banks are refusing to underwrite a loan because of them. PLEASE HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I issued a Qualified Written Request to my servicer in XXXX. Shortly thereafter the servicer requested an extra 15 days to respond. Servicer still has not responded and has gone well beyond the 15 days requested. In addition, when I requested a mortgage assistance package I was told by a representative of the servicer that I would not be allowed to apply for assistance. Instead of responding to the Qualified Written Request or allowing me to apply for mortgage assistance, the servicer has scheduled a foreclosure sale. This is the preferred method of offering assistance with my servicer - Select Portfolio Servicing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/28/2016 about Bank account or service (Checking account) with BB&T CORPORATION (GA).
Issue: Problems caused by my funds being low

Complaint: On XX/XX/XXXX I made an order online at XXXX, charged it to the debit card associated with my bb & t checking account. I realized I had done this and immediately and changed the payment method as it was supposed to go on another account for a family member. According to my check register, which i have to keep because bb & t 's online account info has always been misleading with their classification of pending, I had XXXX The order was for XXXX, and was marked as pendung unbeknownst to me. I noticed the pending discrepancy monday and contacted XXXX who confirmed that they had changed the payment and that they would not receive funds. Thinking the erroneous non charge would drop off, since it was already posted to the other account, i did n't act. I honestly had no inkling that bb & t would lock my account and post an overdraft fee with no pending status all in order to line their own pockets yet they did! When i called customer service I was bluntly and rudely told that amazon was in possession of the funds and that bb & t had nothing to do with the pending status-a blatant lie. Once I consulted documentation from bb & t and called back, I was eventually refunded the overdraft fee but the customer service representative was adamant that the funds would post the next day and I would be charged another. Of core bb & t 's pending status was released by the next morning and the funds were back in my account at the right amount. Even if id been given warning that the overdraft fee was going to be placed I would have made a deposit but they never assessed a pending status to it. Their practices are a ripoff, disreputable, and unscrupulous. In XX/XX/XXXX it was found that my grandmother who passed in XX/XX/XXXX had an open bb & t account of which we were not aware due to my dad XXXX 3 months after she passed. By the time we discovered this, because of social security scheduled deposits being suspended on death-which the bank had to have been aware of-monthly maintenance and penalty fees were assessed to a point that the remaining balance would n't buy lunch. Bb & t gladly accepted blood money and laughed all the way to the proverbial bank.

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 12/26/2017 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: There are many mistakes appear in my report without my understanding.

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