milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/17/2015 about Debt collection (Medical) with Med-1 Solutions, LLC (IN).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I found out about this debt when served with papers saying I was being sued by Med1 collections. The papers were served on XXXX XXXX 2015 with a court date of XXXX XXXX 2015! I work as a XXXX, I called when I could but Med1 would deflect my attempts to try and figure this out. I have a gentleman working on my credit and finances. I signed a power of attorney and asked him to get the information. He sent the " lawyer '' for Med1 a letter ( attached ) asking for paperwork to validate the debt so we can see what this is and if it is correct work out a settlement. The " lawyer '' says he has the paperwork but refused to give it to my representative since he was not a lawyer. He said the only way to get the paperwork is for me to call him. I do not want to call a debt collector and get bullied. I should not have to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BARCLAYS BANK DELAWARE (KS).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I was contacted by XXXX XXXX XXXX collection agency. Said agency made numerous violations of the Fair Debt Collections Practices Act, TCPA, and Fair Credit Reporting Act. I subsequently entered into a settlement agreement in which I agreed not to file suit for violations of said Federal Statutes as well my rights under the Kansas Consumer Protection Act they agreed that XXXX XXXX would remove any and all credit reporting for a lump sum payment. Said payment was made on my part over a year ago and they continue to report to my credit bureau as a charge-off account despite the agreement made by their collection agency in agreement for me not to file a civil action against both the collection agency and XXXX XXXX. 
Said actions are in direction violations of state statutes K.S.A. 50-623, K.S.A. 21-6503 and federal statues 18 U.S.C. 1030, 15 U.S.C. 1692e.

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 07/27/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Amsher Collection Services, Inc. (NJ).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: two debt collectors are trying to collect on the same debt XXXX provided verification of debt letters.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (SD).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I am being taken to court for default judgment. I disputed the debt and received XXXX statement dated XXXX XXXX with late fees and interest charges. I contacted the attorney handling the case asking for more information such as how was card opened, what transpired as of my dispute filed XXXX XXXX, why the account number was changed, when last purchase made, what was balance prior to late fees and interest, etc. She had no answers and told me to contact the original Capital One. I contacted Capital One and they had no answers and referred me to call XXXX XXXX as they had the file. XXXX XXXX had no answers either as they turned the file over to attorneys in North Dakota. I believe I disputed charges and the debt owed is late fees and interest fees how can I get information pertaining to this account?

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I am complaining about this item called XXXX that I see online is an auto finance company that needs to be removed immediately. Please delete this misleading information in order to show my true credit history.

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 08-03-2017 about Mortgage (Other type of mortgage) with Specialized Loan Servicing LLC (OK).
Issue: Trouble during payment process

Complaint: Starting XX/XX/XXXX I have repeatedly contacted and asked for a payoff quote. Letters was sent on XXXX XXXX, 2017 3rd Fax was sent on XXXX-17 1. I requested one payoff and validation via Certified mail with Return receipt requested. 2. I sent FAX asking for a payoff request 3. They are on recording line stating had faxed information. Never faxed information. 4. Called back and they said they would fax it again. Never faxed information. 5. Per state requirement they have 7 days to provide information it is going on almost 4 weeks.

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 01/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: XX/XX/XXXXMy legal name is XXXX XXXX XXXX XXXX, and my social security number is missing from this report!  When I applied for housing in XXXX XXXX On XX/XX/XXXX Experian created a credit report number:XXXX for XXXX XXXX. This report included two incorrect social security numbers and not one of these numbers included my correct social security number. This report included my XXXX mothers information name and address in Hawaii. They had my name spelled incorrectly eleven times. My maiden name was XXXX XXXX XXXX. They have my mothers address XXXX XXXX XXXX, XXXX XXXX which I have never lived at. They had a credit card listed from XXXX XXXX XXXX with a balance of $ XXXX. which was dismissed when I received a XXXX from XXXX XXXX XXXX two years ago and showed I still owed the amount. The fact they are creating a credit nightmare with all the wrong in formation has me really angry also that they are using my XXXX mothers information as mine is so negligent and disrespecting me! I worked for a XXXX 15 years and I used to be a XXXX who used credit reporting agencies all the time. I lived in XXXX for 20 years. My XXXX XXXX is new to me so I am not able to get it to you online. I will send a paper copy to the CFPB for your records.

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 01/23/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (KY).
Issue: Credit line increase/decrease

Complaint: On XXXX XXXX, 2016, I received an email from Bank of America suggesting that I update my income information for the purpose of receiving a credit line increase. The email explicitly assured me that BofA would not request a copy of my credit report. On XXXX XXXX, 2016, I updated my income information, requesting the credit line increase, and on XXXX XXXX, 2016, BofA requested a copy of my credit report. I called BofA on XXXX XXXX, 2016, and the representative was entirely unhelpful, suggesting the email was not from BofA, even though when I logged in to my account to update the information, a pop-up opened up with the exact same information that was in the email, again assuring that my credit would not be checked. The same pop up came up when I logged out, even though I had just done as it suggested. That totals THREE PROMISES by BofA that it would NOT pull my credit report, and then it pulled it anyway.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-09-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Amsher Collection Services, Inc. (MN).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Amount owed is much less than stated. XXXX must also take into account the they they had preached the trust and agreement between them and i. Therefore forced me to incurre various charges to move to a new carrier. Therefore ammount requested is wrong and baseless.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Ad Astra Recovery Services Inc (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I was a victim of identity theft from the time I was XXXX years old. I learned about the identity theft in XXXX of 2009. I filed a police report and identity theft claim at that time. The items ( tax liens and XXXX XXXX account ) were removed from my XXXX XXXX and XXXX reports. XXXX still lists these accounts that are not mine. I have attempted to remove them via XXXX County Recorder however, they can not access these tax liens because my social security number is associated with the persons name that stole my identity many years ago. This is the same issue with the XXXX XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Debt collection (I do not know) with Williams, Rush & Associates, LLC (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Please be advised that I am disputing this collection due to the fact that  Williams Rush & Associates   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  TX  XXXX  does not currently have a valid license in Texas to collect on Debts. I searched the Texas  Secretary of State Web  sites (    XXXX   XXXX   XXXX    ) d ebt collector search and was unable to locate a bond on file.   since I was unable to pull up the information online I called  X/XX/ 17   to confirm if in fact they were bonded in Texas to collect debts and was informed by the Lady on the phone that they collect in all  XXXX  states but she was unable to provide a bond number for Texas or even in fact confirmed that they are even bonded.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2017 about Payday loan, title loan, or personal loan (Installment loan) with REGIONAL MANAGEMENT CORPORATION (GA).
Issue: Problem when making payments

Complaint: I was receiving constant calls from their company even after I made arrangements to pay. In addition they called by XXXX of my family members in XXXX day ( my parents homes and they are elderly and my husbands place of employment and left messages with both. XXXX of the calls made on the same day was at my spouses place of employment where they left a message as well. Harrassment They had a good contact number for me and actually spoke with me. They intintially damaged my credit because of this dispute. I have legal counsel on retainer for this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2017 about Credit card or prepaid card (Payroll card) with First Data Corporation (OK).
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint: On XXXX XXXX I tried to withdraw funds from an ATM that was not my bank. The funds did not dispense but it was debited from my account. I immediately contacted customer service and was told it, they would send a form in the mail for me to sign and send back. I recieved the form on XXXX XXXX and faxed it back to the number stated on the form. I call today XXXX XXXX to check on the status and they say that they have yet to receive the form. I asked to speak with the dispute dept. but I can not the rep had to. So I was put on hold and when she returned asked for the fax number. Which I gave to her and was told that it was the wrong number. Now I have to fax the form in again and wait.

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 07-11-2015 about Debt collection (Medical) with CREDICO. INC (SD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I had a medical dept that because I was out of work for 1 year due to health issues that went to credit collection 's the credit collection company harassed me every single day eventually had sheriff grab my entire checking account of {$2300.00} also stole my sons account {$350.00} on a {$2400.00} judgment now they are after a {$1500.00} amount saying I still owe from this judgment this is theft plain and simple after continued attempts to get breakdown from them on interest charges and reason for the added amount they have refused to give it to me also after daily phone harassment from XXXX XXXX of credit collections bureau of XXXX XXXX after I sent included document to them all harassment quit for 2 months not one call now its started again I feel fraud is happening big time with this agency and we consumers are all tired of this continued harassment ... ... 
credit collections bureau XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, SD XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Debt collection (Medical debt) with Experian Information Solutions Inc. (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This debt is showing up on my Experian credit report as an unpaid collection. The amount is {$50.00}. I have know that this debt is not mine as I have several listed on my Experian report. I need XXXX XXXX to remove it from my Experian report. Someone has used my social security number at a hospital and that why this collection is showing negative and a collection on my 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 non-monetary relief
Consumer complaint received 03/26/2017 about Credit reporting () with SANTANDER CONSUMER USA HOLDINGS INC. (FL).
Issue: Improper use of my credit report
Sub-issue: Report shared with employer w/o consent

Complaint: I think I 'm a victim of fraud because I receive a email saying my car loan is pending I never apply for any car online, I 've been contacted trough the phone for a application for a job the same day and they ask me my information that 's why I think there is a fraud. 
Please I 'm a new resident and I 'm building my credit since 5 months and I will never apply for any loans because I 'm new with the credit score .thats why there is a fraud they even misspelled my last name on the application

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Problem with fraud alerts or security freezes

Complaint: After learning that my social security number may have been compromised in late XXXX, I initiated a security freeze with all three agencies. I have been calling them to find out how I can ensure that the freeze does not lapse. I had NO PROBLEM with XXXX ; they asked what state my freeze was initiated in and said it would expire early next month. They helped me over the phone to terminate the soon-to-expire freeze and immediately initiate a new freeze with a new 7 year time limit. 
Both TransUnion and XXXX said they do not allow security freezes to expire. In each of these cases, I reached an overseas call center in XXXX. Even though I cited the Pennsylvania statute stipulating that security freezes will expire after seven years, they insisted they would not. Assuming the PA statute is in force, my freeze with TransUnion will expire on XXXX XXXX, XXXX, and my freeze with XXXX will expire on XXXX XXXX, XXXX. I am concerned that in spite of their assurances, their system will conform to the law and my freeze will be allowed to expire. I plan on calling again on the expiration date, but expect to hear the same thing.

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 05/20/2015 about Debt collection (I do not know) with Southern Credit Adjusters, Inc. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I found this on my credit report with XXXX. XXXX says they verified it. I know for a fact this is wrong and have requested proof but have not received any proof.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2017 about Bank account or service (Checking account) with CITIBANK, N.A. (VA).
Issue: Using a debit or ATM card

Complaint: When monitoring my checking account online sometime during the second week of XXXX, I noticed XXXX debit transactions where the transaction detail was shown as " other debit. '' The XXXX transactions, posted XXXX/XXXX/17 and XXXX/XXXX/17 totaled {$900.00}. I contacted Citibank numerous times requesting more detail. After several calls and weeks, I was told by Citibank that the charges were to XXXX. I had contested XXXX fraudulent transactions to XXXX the previous month, so I was surprised that Citibank approved these transactions and debited my account without notifying me of another possible fraudulent transaction. As of today, Citibank has still not credited my account even though I have told them numerous times that I did not make the purchases and I have requested that they credit my account. Citibank has shown me no documentation of these charges and has notations that they have called me and sent me a letter but I have not received a call or letter from them. I finally decided to contact XXXX today and after speaking with XXXX people, they show no evidence of these charges. So I have no idea why Citibank debited my account for these XXXX transactions or where the money has gone. Citibank still has not credited my account or shown me any documentation of the transactions. The transactions are still shown as " other debit '' on my account register.

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 12/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PRESTIGE FINANCIAL SERVICES INC (ND).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: i kept getting bills for these i did n't buy and in XXXX and XXXX and i contacted the company and they told me not to worry but yet put me into collections

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2017 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (NY).
Issue: Other transaction issues

Complaint: I have sent in total {$800.00} Venmo. Venmo cancelled these transactions but instead of returning the money to the Debit cards they are holding the money hostage and they are trying to force me to send them private information like bank statements, passport over unsecured environment - emails. I told them I do n't agree with it and they just closed my support case. If they think those transactions are fraudulent they should have reversed the charges., they are trying to confiscate the money.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Debt collection (Other debt) with CONTRACT CALLERS INC (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I only first learned of this debt of XX/XX/XXXX when I was notified this collection hit my credit report. I immediately sent a certified letter requesting verification of the debt and information on it as I had never heard of Contract Callers   before. I followed up with a phone call the following day in which I disputed the debt once again and requested verification of the debt. Especially as it was being reported as a new debt with a date of XX/XX/XXXX, when in fact I learned after speaking with them the original date of delinquency for this account with the city of XXXX was close to 8 years prior. Furthermore, at the time I did not live in XXXX, nor did I have an active account with the city of XXXX. Even worse, years after this debt was past due I opened a new account with the city of XXXX without any trouble or notice from them at all. At this time were given my most current address, to which I have yet to receive a single shred of notification or verification of this debt. 

Even worse, Contract Callers has repeatedly violated the FCRA by continually reporting and flagging this account as a collection on my credit reports. Not only have they reported the same debt more than once, they have failed to include that the debt is under dispute or provide me with any notice of my rights, notice or verification of this supposed debt.

Company response to consumer: Closed with explanation