milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-10-2018 about Debt collection (Other debt) with Receivables Performance Management, LLC (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On or about XX/XX/XXXX, I made the decision to port my three mobile telephone line from XXXX to XXXX wireless. I informed XXXX that day because I had a previous balance that was due. The XXXX representative informed me that the previous balance and the current balance would be adjusted once the old devices were returned to XXXX. I was also instructed that it would take approximately two weeks to get the package and posting documents to send the devices back. On XX/XX/XXXX I received an email stating that my account as going to be turned over to collections for none payment. I contacted XXXX and they told me to disregard the email because the devices were in route back to the company and the adjustments would need to be made to the balance. I was then informed that no later than XX/XX/XXXX I should receive my final bill with all my adjustments. I waited for the updated bill and logged into my account but the balance still read {$770.00}. 

On XX/XX/XXXX I received a phone call from a collection agency named Receivable Performance Management in regards to my XXXX account. The customer service rep I spoke with was very aggressive and when I tried to explain that XXXX has not forwarded me my finalized statement she then began to over talk me and yell a break down of charges on my account. I attempted on three different times to explain to her that credits needed to added to my account and them I would pay XXXX my remaining balance due. She told me that XXXX would not take payment and that they would forward me back to her. I then hung up. 

I contacted XXXX that same day at approximately XXXX and spoke with XXXX . He reviewed my bill and looked over the charges. He even broke down the charges for the remaining balance. He even observed that I was charged for a service that I did not have on my phone. He called the adjustments department and had them remove it which he stated could take up to two days. When I asked about my tablet he informed that services were not suspended when I asked but were done at a later date. He informed me that those charges will need to be added to the final balance but that final bill will not come due to XX/XX/XXXX. He then stated that I should be able to login to my account and see the final bill by XX/XX/XXXX. When I asked him about payment he informed me that XXXX will still accept payment on the account and that the account is still with them. He also stated that once the payment is made they will notify the collection agency, but they still legally own the account. He informed me that no action can take place until the tablet charges are added to the final bill.

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 04-03-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I submitted a dispute to all three credit reporting agencies. I just received a response from trans Union stating that the collections placed on my credit report by XXXX XXXX XXXX was verified. I had previously paid the original bill issued by XXXX XXXX and submitted copies of payment from the XXXX XXXX website confirming payment as well as all copies of bills. It greatly disturbs me that this investigation by Trans Union states the information was verified when I have paid what was owed and submitted documentation. The first time when I even heard of this collection agency was seeing it on my credit report. I do not feel it is fair for me to have to pay again for a bill I have already paid. I greatly question the dispute investigation validity. I am seeking help with this matter because I have worked very hard to maintain good credit and to have this invalid information on my credit report greatly disappoints me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-01-2016 about Debt collection (Credit card) with CAVALRY INVESTMENTS, LLC (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am not disputing the Calvary Profolio account # XXXX any longer. It has been 9 years since it occurred it is past statue limitations. Sincerely XXXX XXXX ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2018 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Google Compare Credit Cards Inc. (FL).
Issue: Managing, opening, or closing your mobile wallet account

Complaint: Company has restricted my ability to pay for online storage. They are currently holding my cloud storage data hostage and preventing every way of me paying except to use their credit line partnership. Company alleges t & c violation yet won't state what it is. I believe this is due to my XXXX  and my constant request for English speaking assistance. Discrimination at it's worst.

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 04/22/2015 about Debt collection (I do not know) with Dynamic Recovery Solutions, LLC (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This is the XXXX attempt by Dynamic Recovery Solutions to attempt to collect a debt that is not mine. In XXXX 2013, I received similar communication from this company on an account that I have never owned. I have never had a XXXX collection account on my name or against me. Now, XXXX years later, I have received similar communication from this company regarding a debt I do not owe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-05-2017 about Debt collection (Medical debt) with Capital Accounts, LLC (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XXXX/XXXX/XXXX I sent a letter Certified mail # ( XXXX XXXX XXXX XXXX XXXX ) to Capital Accounts LLC for valdidation of debt and HIPPA authorization. 

I requested that Capital Accounts provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

Capital Accounts have not complied to this request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2017 about Consumer Loan (Installment loan) with Ditech Financial LLC (MD).
Issue: Managing the loan or lease

Complaint: The installment loan with Ditech Financial was managed for status and paid monthly, via telephone. The representatives communicated the account was in good standing, with no issues ( late payments, or other problems ). The loan was paid in full in compliance to the Ditech process and confirmed approved with letter documenting account paid in full and closed. However, in checking my credit bureau reports, I discovered Ditech reported to XXXX a 60 day late payment status. I submitted an online dispute for investigation and correction. XXXX provided case dispute investigation results, received from Ditech, reporting the account was paid in full, never late, and closed. I contacted Ditech to confirm and was informed the credit bureau reports would be updated for correction. As a follow-up, only XXXX was updated with correct reporting, and XXXX and XXXX XXXX were not updated, and credit score dropped XXXX points. I contacted Ditech, and was informed their reporting would reflect 60 days late. Ditech does not remember responding to the dispute case, so I faxed the case dispute investigation report for their review and comment. Currently, my credit reports are still not updated for paid as agreed, not late. This situation is confusing and I am dissatisfied with Ditech 's denial of the investigation and refusal to correct my credit reports. This is very unfair to me as a consumer, who followed Ditech 's policy in managing my account, monthly, and paid account in full for closure.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (CA).
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: i had barclays card and there was an auto repair purchase on there that I disputed becuase the repairs weren't done correctly and my car still didnt work Barclays gave me the money back then took it back and gave it back to the shady mechanic

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 03/15/2016 about Credit card () with AMERICAN EXPRESS COMPANY (VA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX SS # XXXX XXXX XXXX/XXXX/1962 American express send me this letter about an account and a request for a second card. 

I NEED THIS TO BE CLEAR I DO N'T HAVE AN AMERICAN EXPRESS CARD AND AND NEVER REQUESTED AN AMERICAN EXPRESS CARD. 
someone has stolen my id and applied for a card in my name see attached doc I need for this to be stopped and some XXXX call me at XXXX to get this resolved. 

i have been on the phone of over an hour and was transferred to XXXX THREE TIMES THEN TO XXXX THEN TO THE XXXX AND NO ONE COULD HELP ME!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I have recently checked my credit report and noticed that under public records there is a record of my BankRuptcy. the Credit Bureau are reporting a bankruptcy. The courts do n't verify that information that information was pulled from a third-party reporting therefore it needs to be deleted.

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 01/22/2018 about Debt collection (I do not know) with Absolute Collections Corp. (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a second call today from a XXXX, claiming to work for Absolute Collections, a debt collection agency located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX ( information I got from their website ), and claiming to represent XXXX, a pay day-type lender located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX ( also website ). 
XXXX called on my cell personal cell, looking to collect on a loan supposedly made by XXXX to my wife, the repayment of which, after several delinquency charges, totaled several thousand dollars. My wife has never borrowed cash money ( other than as co-signer on our home mortgages ), and has never heard of XXXX. 
Neither my wife or I have ever received any money from XXXX, nor any written correspondence from XXXX or Absolute Collections. I dispute any claims they make.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with PINNACLE RECOVERY, INC. ().
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Pinnacle Recovery Inc. of XXXX XXXX XXXX, XXXX, CA XXXX, keeps sending me and my wife fraudulent notices of a debt that they ( Pinnacle Recovery ) are attempting to collect on behalf of XXXX XXXX XXXX. 

This mail fraud, identity theft and debt collection has escalated to the extent that a representative called our XXXX XXXX country landline home phone trying to make arrangements to collect a debt of {$1100.00} ( USD ) via Credit Card payment. 

My Wife and I have never transacted any business with XXXX XXXX XXXX We would very much like this harassment and fraudulent practice to cease and desist. It is all a scam, a sham, fraudulent, vexatious, tenuous and disgustingly opportunistic. Thanks in advance CFPB.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2017 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX Apartments continued to charge me after I moved from their property in which they filed an eviction on me for late rent. Rather than have an eviction on my record, I decided to move out and found another place to move in on XX/XX/2015. XXXX continued to charge me through the month of XX/XX/XXXX even though I no longer resided at the property. When I received documentation from them on the balance due, I immediately inquired about it to the property and they claimed that 'because I did n't turn in the keys ' that they were still charging me. I provided them with a copy of my new lease and the property manager advised that the only way for them to stop billing me was to return the keys and sign a form even though THEY were the ones who initiated the eviction process. After looking through the running charges, I noticed that they not only charged me for rent and utilities after I moved out, they also charged me to replace the carpet although we never did a move-out inspection nor did they ever provide any information on anything in the apartment being damaged enough to replace and subsequently charge me for. Based on the statement, XXXX illegally charged me for the apartment for anything after XX/XX/2015. They unlawfully swindled me into believing that the charges were valid and that the only way to close out my lease was to return the keys when in fact they replace all locks after a tenant moves out. They also had replaced someone into my apartment at the same time they were charging me resulting in double revenue illegally. I have requested this be investigated further as they are reporting that I owe {$7000.00} in unpaid charges for the apartment, however, {$6000.00} of that amount is due to overcharging and supposed utility bills that the property never provided bills for.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (PA).
Issue: Trouble during payment process

Complaint: XXXX XXXX XXXX XXXX XXXX acting as trustee continues to file fraudulent foreclosures against me with fraudulent documentation. I am attaching a copy of a brochure that they mailed to me that says that they are not a party to any court actions however, there is an impostor or XXXX XXXX  XXXX XXXX is the one committing fraud and trying to steal my house. XXXX XXXX acting as Trustee is either doing this or they will need to become involved in order to stop an impostor who is acting illegally in their name. I am attaching some of the fraudulent documents that are being claimed to have been filed by the trustee. The case can be found online at https : XXXX and attached you will find 2 fraudulent mortgage assignments that this impostor or XXXX XXXX XXXX XXXX XXXX have filed in fraud. The first assignment has proof from the attorney general 's office to prove that the assignment is forged and fraudulent and the last assignment is a prime example of robosigning because it states the alleged assignee on the first page and then on the second page the robosigner types the assignee name as another party not involved in the chain.

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2015 about Debt collection (I do not know) with Financial Credit Service, Inc. (OK).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a caller-ID blocked call. The voice message stated that I needed to call XXXX regarding notice XXXX and to contact XXXX XXXX. I called the number back and was told their company was ARA and Associates, XXXX XXXX XXXX, XXXX, VA, and that their only phone number was the one listed above. She was very rude and stated that I would be charged with " issuance of a bad check '' and " theft by deception ''. I asked for verification of the debt and was told it was mailed in XXXX 2015 and they would not send it again. 

They also contacted my ex-wife of 20 years with the same notification number and threat. 

I have no idea what this is regarding and have found other, similar complaints regarding this phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2018 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: Information belongs to someone else

Complaint: I have submitted several investigations to remove fraudulent accounts from my Equifax credit report. XXXX and XXXX has removed these fraudulent accounts that do not belong to me. I have also submitted a police report identifying that I was a victim of identity theft. The following accounts are fraudulent and they do not belong to me : -XXXX XXXX XXXX of XXXX XXXX XXXX -XXXX XXXX A XXXX -XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PORTFOLIO RECOVERY ASSOCIATES INC (MD).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I had a open account with a company and disputed the balance. The account originally fell delinquent in XX/XX/XXXX. Somehow a new debt collection company purchased it and change the age date on the loan twice to XX/XX/XXXX and then again in XX/XX/XXXX. The Delinquency should be close to 6 years old now not 3. I think they re-aged the account on  purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (CO).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: My Old Navy/Synchrony store card was closed and I got sent a Visa Old Navy card. But I still had a balance on the old card which Synchrony kept calling me about. So I sent in a payment but it got auto-applied to the new Visa card, not my old card, and the history clearly shows this is the case.
However, they call me like 5-8 times a day to collect on the old card, and even when I make a payment over the phone it does n't 'take ' and I keep getting the calls. I typically do n't answer the calls but when I do, they say Hello and hang up. It 's the oddest thing you can possibly imagine, but I 'm afraid their incompetence and negligence is going to affect my credit history. Please Help!

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 06/19/2015 about Credit card () with BARCLAYS BANK DELAWARE (UT).
Issue: Other

Complaint: I contacted Barclay 's bank in regards to them lowering my line of credit after I had made a large payment of {$3200.00}. I asked the representative ( XXXX XXXX ) if my line of credit could be re-evaluated and he stated " We can re-evaluate for some, but not others. '' This statement made me feel that Barclay 's is not lending fairly and consistently to all their card members. When I asked him why that was he just kept repeating the reasons of why my line of credit was lowered. I asked to speak to a supervisor and was transferred to ( XXXX ), when I asked XXXX why Barclay 's could reevaluate the line of credit for some but not others, her response and excuse for his statement was that " it may have been a language barrier due to XXXX being in the XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2016 about Debt collection (I do not know) with CCS Financial Services, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: CREDIT COLL XX/XX/XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you CREDIT COLL or any company associate with this account and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : CREDIT COLL or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # *********** DOB XX/XX/XXXX ADDRESS XXXX, FL XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (GA).
Issue: Problems caused by my funds being low

Complaint: I opened up an account with Chase bank and I was not informed about the fees that could be assessed to the account. I have been charged nearly {$1000.00} in overdraft fees erroneously. I had fraud in my account on several occasions, and I was charged fees in relation to that. I had a international wire transfer that was rejected by Chase and I was charged overdraft fees associated with that. I had clients who attempted to make deposits into my account in XXXX, but were refused by Chase tellers and I was charged fees associated with that. I have complained on nuns ours occasions but to date my account is still overdrawn and Chase refuses to refund me.

Company response to consumer: Closed with explanation