milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/26/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Due to the fact that my situation is not properly available on this site as a choice to select above I have been violated by XXXX XXXX XXXX XXXX XXXX Also, by Equifax Credit Reporting Agency and XXXX XXXX XXXX XXXX XXXX does n't have the rights to collect debt in the State of Texas ? They are not abiding by the Law accordingly to the State of Texas and they was suppose to remove themselves from my credit report by sending a letter stating to the Credit Reporting Agencies that they need to be removed. Now that I have made Equifax aware of this they have not done an accurate investigation on XXXX XXXX XXXX XXXX XXXX. So, I checked the Secretary of State Texas Debt Collections Division website and found out that XXXX XXXX XXXX XXXX XXXX is breaking : " Texas Finance Code section 392.101 which prohibits a third-part or credit bureau from engaging in debt collection in Texas unless the third party debt collector has obtain a surety bond and file a copy of the bond with the Office of the Secretary of State. Also, you can not operate in the state of Texas with a P.O. Box '' I am in need of another Investigation to remove them from my credit report please.

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (WA).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I made an additional payment manually after the auto payment posted. Unfortunately, the extra payment was returned NSF by my bank. My credit account is in very good standing and has never been delinquent. 
I inquired with the XXXX XXXX XXXX and was informed that if a second NSF occurred in the future, my account will be automatically closed. It follows that only one returned payment due to NSF is allowed by the policy of the bank, regardless of if the NSF results in a missed on time payment or not. 

I believe it is very unfair and unnecessarily adversarial to count a voluntary additional payment returned NSF, to count as the single allowed NSF before the account is closed if a second NSF occurs. 
Now, I worry that should a second NSF occur for whatever reason, the axe will fall and my account in good standing will be closed even thought the payment that was returned NSF was an additional payment that did not result in a failed on time payment, or late payment.

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 08/29/2016 about Mortgage (Conventional fixed mortgage) with M&T BANK CORPORATION (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I recently successfully completed a chapter XXXX bankruptcy plan. During my plan, my mortgage company was sold from XXXX XXXX M & T. Since my loan was purchased by M & T, I have had XXXX problem after another. While my bankruptcy was still active, I did n't receive anything other than what was basically a blank statement. Although I continued to make my mortgage payments to them directly, they never reflected my payment, balance, interest or escrow information on my monthly statements. Once my bankruptcy was completed, they dropped off an envelope on my doorstep and the only information on it was a handwritten name of M & T and a phone number. This was my first notice that there was a problem with my mortgage account. It took me two weeks to get a hold of them. When I talked to the asset manager I was told that she did n't see any payments missed on my account, it was probably a clerical error and she would have to request a complete payment history which would take 2 weeks. During this time, I applied to refinance my home. During the underwriting process, my loan was put on hold because M & T reported to the prospective loan company that I was XXXX payments behind. Again, it took me a week to reach someone at M & T. I was told they received the payment history and that I had n't missed any payments with them. Around XXXX, they advised they would have to send the dispute to the escalation department which would take an additional 2 weeks. Within a few days I received a letter from M & T stating that I would have a resolution on XXXX XXXX. On XXXX XXXX I called and they still had no resolution for me. I was told this day after day for several days until I requested it to be escalated to a supervisor. I was then given a firm resolution date of XXXX XXXX. It is now XXXX XXXX and I still do not yet have a resolution. It has been 3 months now since I have been trying to figure this out. I have received XXXX more " doorstep '' notices since the first XXXX with no actual information on them and no information from M & T stating why the status of my account is showing that we are behind. This has ruined my opportunity to refinance my home. I feel that it is a business tactic to either foreclose on my property or keep me from refinancing. It has been very, very difficult to get a hold of them and/or to wait for a return call which rarely comes. It has been more than a reasonable amount of time for them to complete their investigation and explain to me their position on the status of my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (AL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: On or around XXXX XXXX, 2016 and XXXX XXXX, 2016 capital one pulled my credit without my permission or consent!! I only have two credit cards and they are with the same company. I written capital one 6 letters over the past few months and I have also contacted them by phone only to be left on hold or promised for someone who does n't speak clear XXXX to call me back and they never do. This has become a headache and I am so sick of wasting my money and time to only be treated like XXXX because they ai n't worried about it because it ai n't them or for them to keep continuing to place me on hold and keep up office mess while they file they nails or just ignore me when I am due a fair investigation as described in the federal fair credit reporting act 623 ( a ) ( E ) and also to take this matter more seriously and if they fail to follow the rules of the company that employs them, at least follow the enacted laws.

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I moved XXXX XX/XX/XXXX. I did not file a XXXX State Tax Return XX/XX/XXXX as it was not necessary, however XXXX assumed I was still a resident and erroneously assessed taxes and supposedly mailed a notice to my former address which I never received. XX/XX/XXXX I moved back XXXX, and after working for a few months, my employer received an earnings withholdings order to satisfy the lien. This was the first time I had become aware of the lien. I contacted XXXX and was informed the lien was for tax calculated for XX/XX/XXXX tax year. I informed them that I moved XXXX that year. They instructed me to file a XXXX XXXX tax return, which showed I had zero state tax liability for the year. They then released the lien, which is reflected on my credit report, however I have been unable to have the public record removed. The lien was filed in error, and the tax was never due, and has since been corrected in the XXXX XXXX system, yet it still appears on my credit report with XXXX Equifax. I am requesting to have the public record of the lien removed.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2015 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Making/receiving payments, sending money

Complaint: I received a bill for a " expedited payoff ''. I did not request this therefore is does not belong to me, nor did I agree to this!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: During the XXXX financial meltdown I had XXXX properties, XXXX primary residence and XXXX rental and all mortgages where with XXXX. I filed for bankruptcy in XXXX. The primary residence was sold via a Short Sale and I was able to SUSTAIN by curing the mortgage deficiencies on the rental property, which is an ACTIVE MORTGAGE with XXXX and has been in place since XXXX I have been informed by XXXX that EXPERIAN has an IN-HOUSE POLICY to delete ALL Mortgage History on a Mortgage that has a bankruptcy tied to it, thus in effect VIOLATING MY 5TH AND 14TH AMENDMENT RIGHTS AS WELL AS VIOLATING THE FEDERAL CREDIT & REPORTING ACT. 
EXPERIAN IN-HOUSE POLICY FLIES IN THE FACE OF PUBLIC POLICY. IT IS DAMAGING MY FULL CREDIT MARKETABILITY. XXXX has informed me that XXXX as well violated my 5th and 14th Amendment Rights by NOT reporting my ACTIVE MONTHLY MORTGAGE PAYMENTS during the time of bankruptcy filing and bankruptcy dismissal and did not RESUME my ACTIVE MONTHLY MORTGAGE PAYMENTS TO XXXX UNTIL XXXX, WHICH MEANS ALL OF MY MORTGAGE HISTORY HAS BEEN WIPED OUT AND DID NOT RESUME UNTIL XXXX. 
EXPERIAN IN-HOUSE POLICY HAS FAR REACHING RAMIFICATION AGAINST ALL CONSUMERS WHO MAY HAVE FILED BANKRUPTCY AND WERE ABLE TO HOLD ON TO THEIR PROPERTIES, THEIR MORTGAGE HISTORY SHOULD NOT BE WIPED OUT COMPLETELY AND EXPERIAN SHOULD STOP VIOLATING CONSUMERS 5TH AND 14TH AMENDMENT RIGHTS! MY CREDIT WORTHINESS HAS BEEN DAMAGED!

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 05/27/2017 about Debt collection (Credit card debt) with ZENCO COLLECTION, LLC (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Received a call from a XXXX XXXX XXXX on XX/XX/XXXX. Zenco Firm, the first time, but it is actually Zenco Collects. Tel. number XXXX # XXXX Has website with numerous negative reports. Real collectors, supposingly will not verbally abuse someone or make threats against them. XXXX XXXX XXXX associate a XXXX XXXX phone number XXXX XXXX XXXX # XXXX case # XXXX, attorney for the State of Texas.??????
Right off XXXX XXXX threatened to compromise my social security card number in which she had along with my drivers license. She said I owed over {$17000.00} from this debt in XX/XX/XXXX. She was willing to accept {$560.00}.
Again she threatened putting a lien against my condo and car. I asked her how she got the information. She said they were debt collectors.
When she told me about my social security, I knew it was a scam. But I was upset about her knowing my ss # and license #. Since that date she and her associate continue to harrass me via phone calls but dropped the ss # They are very good ad threatening people, especially senior citizens. They have all these legal words and recording numbers .Also they would only accept payments thru XXXX card or check - no payment plan. I saved all their phone calls on my voice mail. I am anxious about their knowing my home address.
Check out their website. zencocollects.com I need this stopped ...
.

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 01-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Diversified Consultants, Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have an account that seems to me is a bank account closer and its negative in my credit report. XXXX XXXX XXXX in XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-08-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I lived in this property for two years never late always on time with my rent. Moved out XXXX XXXX, 2015 and they told me i owe {$1900.00} for cleaning and damages in my apartment. The collection agency has called harassing me about this amount making threats numerous of times. I have written letters to both the agency and the original accuser. Not once did they provide me with an itemized list of the cost of these exact charges from cleaning services as requested in writing. They have came up with a made up amount trying to charge me because i did not renew my lease with them. They took my security deposit and that should have been enough for any cleaning charges etc. I do not owe this property any funds and they are making up amounts with no proof of damages cleaning that had to be done but giving me plenty of threats. I have XXXX witness that helped me moved that can vouch for me that this apt was left best cleaned. Prior to leaving i have had many issues with my tub not working lights going out refrig not being fix etc and i once did not complain about the neglect i received here, but then get a bogus charged and spoken to rudely like i did n't full fill a lease or something. I believe because i was young and single mother they were trying to get over on me. Especially with raising my rent every year and not my Neighbors. They will manipulate you into renewing a lease with them any way possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2017 about Credit reporting () with BYL Collection Services (DE).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX XXXX pa, XXXX XXXX Account # XXXX no contract or no signature

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2015 about Credit card () with JPMORGAN CHASE & CO. (HI).
Issue: APR or interest rate

Complaint: I really hope this is n't a waste of your time. 

I am a service member with a credit card with Chase. I have other credit cards whose interest drops to 6 % because of the Servicemember 's Civil Relief Act ( SCRA ). Unfortunately, Chase says that I am not eligible because I got the credit card after I entered XXXX XXXX. XXXX and XXXX are XXXX companies that do n't have such a restriction.

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2015 about Credit reporting () with Experian Information Solutions Inc. (WI).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: In XXXX 2012 I disputed a judgement listed on my Experian credit report. Experian verified. I have contacted the court listed and they have no judgement rendered under my name. Further, they have stated that they have NEVER received any inquiries from Experian regarding any alleged judgement. I 'm requesting Experian to provide me with their Method of verification or to delete this tradeline from my report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (NY).
Issue: Money was not available when promised

Complaint: I have been a customer with PayPal for a year. I signed up for PayPal to sale goods on XXXX. In XXXX of XXXX I sold approximately {$1800.00} worth of merchandise on XXXX. The money was placed on temporary hold until customers received their items. I sold an XXXX, XXXX, XXXX XXXX. The money for the items were released. I deposited the money into my bank account. PayPal reversed the payments and limited my account for additional information. I submitted identity verification, proof the items were delivered and receipts for the items. However, PayPal stated that it was risky and that {$1100.00} would be on hold for 180 days. Despite the customers stating everything was satisfactory with their items I sold them. I was evicted from my apartment and was told not to submit anymore request for my money. I am currently residing in a homeless shelter and only have access to my email. PayPal only claims they are holding my money to protect against chargebacks and that me selling my items below market value is a sign of risk. However, I have sold nothing but electronic items on XXXX with no issues. I sold them at a price that customers would buy them and what other sellers were selling them for.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2017 about Credit reporting () with Colony Brands, Inc. (AK).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I do n't have a Sears card anymore, I did n't Renew it. Montgomery Wards was in a bankruptcy OVER 29 years ago. I have ONLY 1 credit card. A XXXX card. Not late on payments

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 02/19/2018 about Debt collection (I do not know) with Diversified Consultants, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have been disputing with Diversified Consultants, Inc against this inaccurate and unverified collection account on my credit reports. I have sent letters informing them that I have no knowledge of an account with them and sent debt validation letters to each collection agency for proof and evidence that I am the person they are asking to pay this debt and a contractual obligation that legally binds me to pay the alleged debt to them. I have attached most of those documents that I have sent to them. I have yet to receive any response from them. 15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) grants me the right to request validation of any alleged debt a business says that I owe it. It also states that upon receiving this validation letter, one must cease from collection calls, letters, and efforts and delete the account from my credit files until the debt can be validated. This is a clear violation of the FCRA. Also, the bureaus have been reporting collection agencies own the same accounts. With XXXX, as of XX/XX/XXXX, it shows that XXXX XXXX XXXX XXXX XXXX owns XXXX XXXX at {$360.00}. However, XXXX, as of XX/XX/XXXX, shows that Diversified Consultants collection agency owns XXXX XXXX at {$360.00}. It is a violation of FCRA law to report various inaccurate and unverifiable collection accounts owning the same accounts with different balances within the same 30 day period. I have included pictures of my credit reports to verify my claim on this. Please help me get these inaccurate and unverified accounts deleted from all three major bureaus and collection agencies. I have been fighting with them about these accounts for over three months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/27/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (VA).
Issue: Late fee

Complaint: I contacted Kohl 's directly upon my purchases for XX/XX/XXXX while shopping at customer service to receive paper statements. In XX/XX/XXXX, I still had not received a statement so I called Kohl 's to find out why I had not received a statement. The representative stated I was late on my payment. I advised him that I had not received a statement yet. He stated he would remove late fee and bring account current. I made a payment as per attached pdf file. I continued to make payments drawn on or before the XXXX of each month. Some came out as late as the XXXX. I never missed a payment and made more than minimum due. However, Kohl 's has charged me {$160.00} in late fees stemming from the XXXX payment issue. I believe this to be an unfair scheme by them to collect fees. I did not receive a statement, inquired and made a payment the same day. The representative stated they would bring account current and remove the late fee. That never happened and created a situation where each month would be late even though I pay more than minimum due. I tried to reach their POC, XXXX XXXX, with XXXX voice messages to no avail. Then today, she calls and states that they will make no adjustment and that they would only provide a correspondence to me. She refused to acknowledge my concerns. She simply refused to talk about any specifics or reason why they would not refund late fees. Very cold but not unprofessional, just detached and cold!

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: Midland Credit Management of XXXX XXXX, CA, filed a collection action against me which was subsequently paid in full through my Chapter XXXX bankruptcy. They were notified electronically on XXXX XXXX, 2014, that the bankruptcy was discharged and that they had been paid in full. However, they failed to notify the XXXX XXXX XXXX, XXXX XXXX, VA, within 14 days of receiving notification of payment, that the debt had been paid in full ( Notice of Satisfaction ) as required by the Virginia Code of Civil Procedure, Section XXXX. As such, it remains as an unresolved ( open ) action on the Virginia XXXX XXXX XXXX XXXX and with the credit reporting agencies, and I am unable to obtain a VA-backed home mortgage at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: In XX/XX/XXXXI had previously informed the XXXX XXXX that this account that they have been reporting on behalf of their client : XXXX/XXXX reported account XXXX This account is unknown to me and were opened in result of theft of my identity in XXXX. The opening of this fraudulent account was reported to the FTC in XXXX under affidavit number XXXX after unsuccessful attempts to delete via XXXX XXXX in XXXX XXXX XXXX are still reporting it today. 

This will be my last attempt in requesting that XXXX XXXX remove this account from my credit file. Since XXXX XXXX insist that they have verified this account which is in conflict with the creditors statement attached. A FULL debt validation was requested and the company has defaulted as I have not received FULL debt validation including all that was listed on the creditor/debt collectors declaration therefore I now insist that they validate this claim as per my rights protected by the Fair credit reporting Act 609 disclosure to consumer : ( c ) ( 2 ) ( E ). Please forward your FULL Validation package including signed contact to me by US mail or by email in 15 days or delete this entry from my credit file. 

I have requested the removal of this inaccurate information on numerous occasions and XXXX XXXX have failed to remove it, for this reason I request the assistance of the CFPB.

Company response to consumer: Closed with explanation