milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/22/2015 about Debt collection (I do not know) with Walwick, Inc (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I received the attached letter and believe it violates the following -Governed by 15 U.S.C. 1692g ( a ) 15 U.S.C. 1692g ( a ) sets forth the required contents of a typical collection, or dunning, letter : ( a ) Notice of debt ; contents ( 1 ) The amount of the debt ; MCA indicates this is multiple accounts and list only one. 
( 2 ) The name of the creditor to whom the debt is owed ; NOT PROVIDED ( 3 ) A statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; NOT PROVIDED ( 5 ) A statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. NOT PROVIDEDAnd leads me to believe it also violates the following -15 U.S.C. 1692e : " A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. " 15 U.S.C. 1692e ( 2 ) ( A ) : A debt collector may not falsely represent " the character, amount, or legal status of any debt '' 15 U.S.C. 1692e ( 10 ) : A debt collector may not use " any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. " 15 U.S.C. 1692f specifically provides that a debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt, including, without limitation, collecting " any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. ''

Company response to consumer: Untimely response
Consumer complaint received 05/30/2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (AL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I was told that this old account was re-aged and sold to Portfolio Recovery. I contacted Portfolio Recovery and worked aggressively to pay this off within months by making doubled payments and large debit amounts as agreed by payment plan with myself and Portfolio Recovery. I made the final payment before the plan was up because the rep and Account Manager told me the file would be closed and removed from my credit files. I have never received correspondence from them as paid in full or it removed from my credit files. I have sent them numerous goodwill letters and they have never responded. I would have never paid them in full and before the payment plan was up if they never agreed to remove this from my credit files.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/23/2018 about Debt collection (Other debt) with Kimball, Tirey & St. John LLP (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Old apartment I used to live in. Before leaving we had an agreement and signed that they owed me {$75.00}. A coupe of weeks later they sent me a bill for {$200.00}. That wasnt what we agreed and just charged me.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Why is it that Equifax has not been held accountable for their XXXX  actions and walk away with millions of Dollars?

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I LOOKED AT MY CREDIT REPORT AND NOTICE A LOT OF INQUIRIES THAT I DID NOT AUTHORIZE FRAUD IDENTITY THEFT PLEASE HAVE THESE FRAUDULANT INQUIRIES REMOVED  1  )  XXXX   XXXX 17  XXXX 17  XXXX   XXXX  17   XXXX   XXXX 17  XXXX 17  XXXX   XXXX   XXXX  17   XXXX   XXXX  17   XXXX   XXXX  17   XXXX -17   XXXX      XXXX    XXXX  17    XXXX   XXXX    XXXX -17  XXXX   XXXX   XXXX  17    XXXX      XXXX    XXXX  17  PLEASE HAVE THESE NON ACCOUNT INQUIRIES REMOVED

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 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: XXXX XXXX is not my name, I never lived at some address listed

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 11-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: Beginning on XXXX XXXX XXXX and through XXXX XXXX XXXX, I have been trying to lift the security freeze from my credit file with Equifax via calling them around the clock, literally every 20 minutes during their business hours. Everytime I speak with an agent over the phone, they are unsuccessful in lifting the freeze and would tell me to call back in 30 minutes due to the fact that they are unable to access my file and that their system is going through an upgrade. I have also tried their online website to unfreeze my credit file, but that was also unsuccessful and again I tried logging on and submitting the request every 20 minutes but to no avail. 
I have asked if there is a supervisor or manager that I could escalate my case to because it is a very urgent and serious matter. I have applied for a loan on a home purchase and my lender is requiring to see my credit scores from all 3 credit unions. I was able to lift my security freeze with XXXX and XXXX successfully. However, Equifax has been giving me a lot of trouble with it and my loan can not be processed unless my lender sees my credit score from Equifax. If Equifax does not lift the security freeze by Wednesday XXXX XXXX, XXXX, I will be losing my deposit on the house, which amounts to {$38000.00}, a big sum of money I can not afford to lose. At this point, I have sent two written requests to Equifax at the office in XXXX Georgia via USPS Overnight Service on both XXXX XXXX, XXXX and XXXX XXXX, XXXX. I have tracking numbers to confirm when they would have received my request. I believe by law, the credit reporting agency Equifax has only 3 business days after receiving my written request to lift the security freeze on my credit file. I do understand that at this time of filing the complaint with CFPB, it has not been exactly 3 business days yet since Equifax will have received my request, but I am informing CFPB right now in the anticipation that Equifax will not be able to resolve my issue in time. They have been extremely unhelpful on the phone and their website is n't very useful at all. I actually do not even feel confident, at this point, that they would be able to lift my freeze in time. I am filing this complaint in the hopes that CFPB can help me investigate and escalate this issue further with Equifax since this is a very urgent and serious matter and a lot of money is at stake here. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have never had XXXX OR 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 06/16/2016 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (MT).
Issue: Account opening, closing, or management

Complaint: I rented a safe deposit box in XXXX XXXX branch of chase in XXXX, NY in 2015. When I went to my safe In XXXX 2015, I found the hinges of my box cut and the door open ( I did not need to use my key ). The person in charge told me that they had to cut the hinges to open the box next to mine, however when I asked her why you did cut the hinges of my box and you did not inform me before cutting the hinges, she did not have any answers. She only gave a phone number to call. I called many times and asked them for at least an explanation or apology. They promised to do so but I have never received anything from them so far.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Billing disputes

Complaint: I 'm in the process of purchasing a house and the lender provided more evidence of Capital One 's dishonesty. Attached are XXXX pages of a credit report showing CapOne has intentionally made false derogatory statements on my credit report. 
1. acct. # XXXX - Their last report to the Credit Bureaus was on XXXX, XXXX. They continue to show a {$20.00} balance and the balance to be due is {$25.00} when none is owed. 
2. acct. # XXXX - Their last report to the Credit Bureaus was on XXXX, XXXX. They show this account as XXXX balance owed from the XXXX, XXXX bankruptcy but keep reporting it as late payment un derogatory statements as recent as XXXX, XXXX. 
3. acct. # XXXX - Their last report was on XXXX, XXXX and they show a balance of {$430.00} owed when there is nothing owed and should show XXXX balance. This is from their taking over XXXX in XXXX, XXXX problem they created. 
I filed a complaint regarding some of the issues CapOne was doing but it did not include all of them. That complaint is # XXXX. It was filed on XXXX XXXX, XXXX. CapOne is not resolving this issue and I would like cfpb to do so. Thank you. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2017 about Debt collection (Credit card debt) with Halsted Financial Services, LLC. (SC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid my  XXXX   XXXX  account on  XXXX / XXXX / 15  as " settled in full '' for the amount of {$250.00} through  XXXX   XXXX ,  XXXX . It is reporting on my credit report as paid in full. However, for the las t 3 weeks I have been receiving calls from Halsted Financial Services. They call and when  I answer they hang up. I 've had to call back just so I know who is calling me. Once I reached someone I was informed that my  XXXX   XXXX  debt was being sold for the collection of the remaining {$160.00}. If this account is paid/settled in full, why am I being harassed by collection agency that are reselling a paid debt?

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: I contacted Bank of America because my recently issued chip cards chip stopped working. This was due to no fault of my own. I called to get a replacement because some stores will not accept my card if the chip does not work. I was told that it would cost {$5.00} to replace the card. I did nothing to damage the card and did not lose it so I should not be penalized by having to pay a replacement fee. I asked for a non-chip card and was told that was not possible. This card is my Visa debit card attached to my bank account. If I did something that caused the damage I could potentially see paying the fee. Now I have a card that many merchants will not accept. I have been a bank customer over 20 years. As a result of this I am Bank shopping since this is not the first major inconvenience by Bank of America. I know the fee is relatively small, but its the principle. I did not ask for this chip card nor did I damage my existing one so why should I be penalized? Not to mention there are no options besides either having a bank account with a card that most merchants will not accept in a card present environment.

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 05/15/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (FL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: approx.  XXXX   American Express Credit Card Co. offered their so called " valued customers " a special deal on magazine subscriptions for a small service fee. However at the end of the trial subscription they automatically charge you an exurbanite amount for the magazine without any notification to the customer. The American Express company will not even let you file a charge dispute. They refer you to series of numbers which just happens to be in their system but are saying is a separate company that needs to be contacted. I have made several attempts to file a grievance with American Express but they are denying responsibility for this special offer to " valued custome rs '' I am on a fixed senior citizen budget and can not afford the hidden rewards that this credit card company wishes to bestow on me

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/28/2016 about Credit card () with U.S. BANCORP (CA).
Issue: Other fee

Complaint: The credit card charged an annual fee and reported me 30 days late on the bureau they never notified me in writing or otherwise. The account had a XXXX balance. I never been late with them. My credit report was affected over a fee they charge and never notified me. Is this legal can the y affect my credit over a fee they charge.

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 01/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I 've been trying to submit complaints to the credit bureaus about some inaccuracies that i 've seen on my credit report. This has been going on for about 6 months to no avail. The credit bureaus have been failing to investigate my disputes. Claiming they ca n't locate my credit file. I 've sent it proof of my idenity ( i.d . and social ) Also proof of my residence. I still have n't heard anything back from the credit bureaus. I 'm not sure what 's going on but i think it 's pretty unfair.

Credit Bureau Services # XXXX For one this company is not licensed to operate a collection agency in the state of Louisiana. Second, i am NOT sure how this company has access to my medical information. Under the Hippa law my personal information should not be shared. I Know i did n't give this company access to my medical information. THIS IS ILLEGAL!!!!

-XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX # XXXX -XXXX XXXX # XXXX Under the Hippa law my personal information should not be shared. I Know i did n't give this company access to my medical information. THIS IS ILLEGAL!!!!

-XXXX Credit Card Clearly this company has made a mistake. I have never asked for permission to be an authorized user on this card.

-XXXX XXXX # XXXX I have never done business with this company. Clearly they have made a mistake.

-XXXX XXXX # XXXX I have never been contacted by this company nor have i done business with them. Clearly this company has made a mistake. Please remove.

-XXXX  # XXXX I have no idea what this debt is. Please verify this account or remove.

I know that mistakes happen but it should not happen at my credit 's expense

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 09/23/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (CO).
Issue: Loan servicing, payments, escrow account

Complaint: I have my loan with Ditech. My monthly payment is {$1000.00}, I pay {$810.00} every two weeks for a total amount of {$1600.00}. Every month I get a phone call from Ditech saying that my payment is late or there is a shortage on my payment. Also, they keep charging me for late fees {$41.00}. Every time I call Ditech they say everything has been corrected and all the late fees had been removed. That is not true. I dont know what else to do. This is so frustrating.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PRESTIGE FINANCIAL SERVICES INC (IL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have no knowlege of the following inquiries on my credit report. I have disputed them on numerous occassions, and the companies have failed to correct the inaccurate information/inquiries reported to my credit report. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, Prestige Financial Services XX/XX/XXXX

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 EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XX/XX/2018 XXXX XXXX XXXX XXXX has been paid in full I am no longer responsible for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I was a victim of identity theft and noticed a collection from DIVERSIFIED CONSULTANTS I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commission which I wrote a formal complaint against DIVERSIFIED CONSULTANTS in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

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 UNITED SERVICES AUTOMOBILE ASSOCIATION (IN).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I have been in contact with my bank regarding my mortgage loan since XXXX XXXX after reviewing my credit reports and showing they are not submitting payments that are being made on my mortgage loan. I have contacted the company more than several times over the course of the past 5 months. Yet, they still have not updated the XXXX credit bureaus with corrected information regarding payments that I have made, also they have yet to reinstate my credit score. Which is desperately hurting me financially in many ways and continues to lower my credit score even further. I have brought this matter to USAA/XXXX corporation many times over the past 5 months. I have even recently contacted all three credit bureaus in which. Only XXXX has received any updated information. That information is still not submitted correctly by USAA/XXXX. I have been given the run around and the issues still have yet to be corrected by USAA/XXXX. I even contacted them this morning in which they stated everything had been submitted, corrected. Yet the credit bureaus stated either the information had not been submitted yet. Or is still incorrect. I also have yet to get my credit scorXXXX reinstated as USAA/XXXX should legally be doing after they failed to report payments made on my mortgage loan since XXXX XXXX. I have done everything in my power to get the company to fix the issues on my credit. However, it goes absolutely no where and causes myself and my wife more stress and wasted time sitting on the phone. I am now asking for your assistance in this very important matter. Thank you, XXXX 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 02-03-2017 about Debt collection (I do not know) with Radius Global Solutions LLC (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: central credit services and XXXX credit systems continually call up to XXXX times a day stsrting before XXXX for someone that does not live at my telephone #. I am a senior citizen, they are harrassing me and refuse to stop contacting me. 
collector calls : 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 07/25/2017 about Student loan (Federal student loan servicing) with United Student Aid (USA) Funds (FL).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I went to XXXX XXXX Institute From XX/XX/XXXX to XX/XX/XXXX, during that time I was injured in a XXXX XXXX XXXX accident at the facility where XXXX XXXX was located. I have been declared XXXX since XX/XX/XXXX, my first XXXX XXXX. My XXXX has been being garnished since XX/XX/XXXX at over $ XXXX/month. I have tried through XXXX XXXX, USA Funds and XXXX to get my school loan discharged, with no luck. I have gotten statements from XXXX, from The Dept of Education and have been trying to receive a statement from The Florida Department Of treasury, as to exactly how much money they have with held from me over the past 7 or so years. And XXXX states I still owe over {$15000.00} on a loan that was originally {$6400.00} to start with. I do n't know what else I can do to get this loan discharged. I am permanently XXXX and $ XXXX/mo is not enough to survive off of. PLEASE HELP!!!! I am my wits end.

Company response to consumer: Closed with explanation