milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/25/2016 about Debt collection (I do not know) with STERLING JEWELERS, INC. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I get phone calls and letter for a collection agency trying to collected money for bills who I did n't know was on collection. I get multiples phone calls treated me of jail. I never received a bill for the previous company with an amount to paid. I want this harassment to stop immediately before I request some compensations for this issue. I am on DO NOT CALL list and still get call from collections who used difference number to get me answer. The name of the credit card account was Kay Jewelers who already closed my account on XX/XX/XXXX as charged off and tried to get paid again by putting me in collection.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: XXXX XXXX sent me an email describing a bundling package where they handle the billing for the internet services and XXXX XXXX in one package. The price was {$89.00} + tax for both internet and TV services. I called and qualified the items on the email I received from XXXX with the XXXX sales person and he said yes! that is the package I will sign you up for. I asked him to send an email confirming that and he said he needs to complete the sign up process and needs my credit card before he can do that. After installation, the installation Teck. asked me to sign saying that he had finished installation and that I was satisfied with the installation and I did. 3 day later not receiving my email confirmation from XXXX or XXXX I called both of them and they said they would not honor the email sent from XXXX and if I cancelled the {$200.00} a month service they will charge me a early termination fee of {$450.00}. I did cancel and I did not pay their extortion money. Two items have been placed on my credit report. 1. from XXXX who sold it to ( XXXX XXXX ) and they list it as in collection for {$440.00} 2. From XXXX who list it as a charge off for {$240.00}. These two actions have dropped my FICO score from XXXX to XXXX. These are the only derogatory remarks on what was a very solid and well earned credit score. I would like to have both of these items removed. I will attach the email I received from XXXX and the last billing statement from XXXX. Thanks! Sincerely " Victim of XXXX purchasing 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 non-monetary relief
Consumer complaint received 09/20/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I filed a dispute with Transunion Credit Bureau for an account with creditor XXXX on behalf of XXXX on XXXX and it was suppose to be resolved on XXXX. The account is incorrect because I have never opened an account with XXXX or did business with them. I sent XXXX a certified letter disputing this and asking for proof on how this was opened and never received a response back. So I called Transunion to find out why it was still open and on my report and they stated it was verified. I asked them how they verified and I was not able to get an answer. This account does not belong to me and it was removed from the other credit Bureaus except Transunion. In addition I have attached a copy of the receipt of the certified letter I sent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2017 about Debt collection (Other debt) with National Credit Systems,Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: THE COMPANY NATIONAL CREDIT SYSTEMS HAS REPORTED A FALSE DEBT COLLECTION FOR A COMPANY CALLED XXXX XXXX XXXX, APARTMENT RENTAL COMMUNITY. THE LEASE CONTRACT THEY HAVE HAS A DIFFERENT DATE OF BIRTH AND MINE ON THE LEASE AGREEMENT, DESPITE 2 CERTIFIED LETTERS SENT TO NATIONAL CREDIT SYSTEMS, THEY HAVE REFUSED TO REPLY OR DELETE THE FALSE ACCOUNT. FEDERAL LAW PROHIBITS INACCURATE REPORTING WITH WRONG INFORMATION TO BE REPORTED TO ANY CREDIT BUREAUS. NATIONAL CREDIT SYSTEMS HAS ABUSED AND HAS IGNORED ALL MY ATTEMPTS TO RESPONCE OR DELETE THIS COLLECTION THAT DOES NOT BELONG TO ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-10-2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: XX/XX/XXXX I was contacted by a Macy 's representative who asked me about my credit card charges as he thought there may be fraud. I confirmed that these charges in fact were not mine. He told me he would close out the account and send me a new card then have the charges investigated. He said I would not be liable for those charges. About a week later I received a new Macy 's card with a statement that had all the fraudulent charges on it. I then called Macy 's and asked why they transferred all the fraud charges to a my new card. Their answer this is how they do it until the investigation is over and I am still not obligated to pay for the charges. I 'm still a little confused but ok at this point. Of course I did n't pay that bill so then I begin to get calls from Macy 's telling me about my large balance and that it is over due! I then call Macy 's and ask why they are calling me to pay. Also when I do call I wait on the phone for at least an hour while they look into matters. They again tell me it will take 90 days and this is what has to happen and they will stop the calls. They did not stop as I got several more calls and also more bills with interest and late fees! This is very upsetting as I pay all my bills on time and never carry a balance. So now it is 3 months later I have been dealing with this and they have reported me to the credit bureaus as being late/not paying my bill. Thus ruining my excellent credit! This is absolutely absurd because why should I be penalized for something I did n't do. They know it is fraud and they say I do n't have to pay the bill but they report me! What is that? Macy 's has greatly upset me and consumed my life the last 3 months because I have had to call them over and over again with no positive outcome. {$1500.00} was charged on my Macy 's credit card through Macy's.com and sent to a PO box which I know and Macy 's knows is fraud, but they still have to investigate. They can investigate all they want but leave me out of it as I have nothing to do with that. I 've done all I can do and I 'm not sure what else I can do before taking legal actions. Macy 's has really handled and is still handling my situation very poorly. I want them to clear up my credit and put everything back to the way it was before this mess began. I do n't know if that is even possible once you are reported to the credit bureaus to get it wiped off? So they may have ruined my credit which I will then take legal action for sure. When will this investigation be done and why add interest and late fees. That about sums up my fiasco with Macy 's.

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 10-09-2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (PA).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: Portfolio Recovery continues to call for three months now trying to locate someone that does not live here. They continue to call. I block one number and they switch to another number to continue calling. I do not owe them or anyone associated with them any debts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/18/2018 about Debt collection (I do not know) with Southwest Credit Systems, L.P. (OK).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: Had a previous complaint with this Company Southwest Credit as to where they were continually harassing a family member at XXXX at all hours using varying numbers. And had been told various times to cease calling. From the previous complaint they are to cease and desist any further contact to me or anyone which they have violated on numerous occasions. Also currently I am in bankruptcy filing proceedings and they need to drop any further attempt to contact.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2016 about Consumer Loan (Vehicle loan) with NISSAN MOTOR ACCEPTANCE CORPORATION (GA).
Issue: Managing the loan or lease

Complaint: I leased a XXXX XXXX XXXX. I returned it in XXXX XXXX to purchase the XXXX XXXX. I owed them nothing because they financed the new car for me at 3.9 %. which I 've since paid off also. I have been trying to get this off my credit report since then. today I applied for a home equity loan and was advised that this was the reason I was turned down. Ive called the dealer where I 've purchase the car. i 've called Infiniti credit and I ca n't get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2017 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (AR).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I have asked XXXX for about 3 years to verify my debt by sending me a signed contract with my signature to verify debt. Instead all they send was transaction histories which could not in fact prove that this is my debt. I have told them that I am unaware of this debt, so they send my account to collections ( Midland Funding ) which tried to garnish my check without still verifying my account. Midland Funding refused to talk to me and here I am stuck with paying a unverified account.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2017 about Debt collection (Mortgage debt) with WESTSTAR MORTGAGE CORPORATION (MD).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: I am currently  one  month behind on our mortgage payment and working hard to get it back up to date.  WestStar  Mortgage  Company  has been contacting my relatives stating they are calling regarding an active loan in my name and they need to locate me. No one needs to know anything about my loan  (  even that said loan exists ) except me and anyone who I legally state can be given information on the record. I have done no such thing, and now that others are aware that I have a loan with  WestStar I fe el my rights have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: My complaint is with Midland Funding, LLC., and XXXX , XXXX & XXXX Law Firm. In XXXX 2010 Midland Funding LLC., filed a judgment against me ( case # XXXX ). The debt was paid in full ( I have documentation ) to XXXX, XXXX & XXXX in XXXX, 2010. To date, the judgment still shows open on my county 's Clerk of Courts website. I 've requested XXXX XXXX ( Attorney of record ) for this debt to please forward documentation to Midland Funding , LLC of the satisfied debt. To date, Midland Funding LLC., states they have not received documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: on XX/XX/17 I submitted complaints to each credit bureau to remove negative items from my credit report that did not belong to me. I received a response from XXXX and they removed these items, however, XXXX and transunion failed to reply at all.

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 07/27/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services , LLC . 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Line of Credit Loan Account Number Num : XXXX Balance {$13000.00} XXXX XXXX Real State Home Loan Account Number Num : XXXX Balance {$260000.00} Dear Sir or Madam, Complaint Department I am writing to dispute seriously misleading and damaging information in my Credit Report. The items I dispute are on the attached copy of my credit report. 

These items are ( inaccurate or incomplete ) because mistakenly listed as Unknown '' ) should say paid as agreed. 

As you well know the loan modification processes was delayed by the bank. 
The reporting they said I was supposed to be later corrected. It was never done correctly on the credit report. The loan process started in XXXX/XXXX/XXXX it has been 9 year this mortgage and line of credit most be removed from my credit report. Clear up the mistake. 

Pursuant to my rights under the FRCA, this item should be deleted to accurately reflect my known credit. 

Enclosed are accurate copies to support these facts my understanding of the FRCA indicates I can expect a written response from you in the very near future. Thank you for helping to resolve this important matter. 

I really hope you will work with me on this. Please help me come up with a solution quickly to resolve the current status on my credit reporting. And keep your word as to credit reporting should be latter corrected Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2017 about Debt collection (I do not know) with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: XXXX, XXXX, and XXXX XXXX ( XXXX ) stated they have sued me on BEHALF of Capital One Bank N.A. However, Capital One Bank has no authority of the account as they sold it to XXXX, XXXX, XXXX XXXX, who is a debt collector which therefore means that they can not sue me on Captial One Banks behalf. This is a very shady and unethical practice by this Debt Collector as they are trying to seem as if Capital One is suing me when they are in fact NOT! 

Secondly, I ask via CERTIFIED MAIL for XXXX to provide me with the following : 1. ORIGINAL agreement with the creditor that authorizes you to collect on this alleged debt 2. The agreement bearing my ORIGINAL signature stating that I have agreed to assume the debt 3. Valid ORIGINAL copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete and ORIGINAL payment history on this account along with an accounting of all additional charges being assessed 6. Proof that XXXX, XXXX, XXXX XXXX XXXX. exhausted ALL methods to attempt to collect or settle the debt in question 7. Show me that you are licensed to collect in my state ; and 8. Your license numbers and Registered Agent Instead of sending the above, they sent me a packet of photocopied pages of statements that I have never once seen before. They also sent a photo copied letter with a hand written date on it which is not legal to do as well as told me I am not allowed to get the above information.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Collection Service of Nevada (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: On my XXXX report I continue to dispute open collection status. The balance is XXXX but remains as an open collection and not closed. Item is not being reported correctly and should be a closed collection because I am no longer responsible for debt.

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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: The company involved, Equifax, allowed my information to be taken by hackers. I have two properties, with two mortgages, one for {$900000.00} and one for {$230000.00}. I also have student loans totaling {$250000.00} for my XXXX XXXX and {$40000.00} for my wife 's XXXX XXXX. Any credit issues would be absolutely disastrous for me and my family. My detailed information and my wife 's detailed information was stolen and is now available for criminals to use for their own purposes. I have started fraud alert with all three companies, but this means that my next property purchase will have to be put on hold until these issues are resolved. I had offered to buy a property yesterday, but now will not be able to do so because of the fraud alert.

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2016 about Debt collection (Credit card) with Forster & Garbus LLP (NY).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I have a settlement Stipulation in which I pay {$100.00} on or before XXXX of each month until the settlement amount is paid in full. So far I have send in XXXX payments certified mail on time. Twice now have I had them cross out the account number for which the payment was made on and replaced with a different account number followed by a letter to me stating that I am in default of the stipulation of settlement and they plan on applying judgement against me. I believe this is a dishonest way to collect on XXXX different accounts and to manipulate me into paying the settlement in full.

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 04-02-2018 about Checking or savings account (Checking account) with U.S. BANCORP (CA).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: Bank auto charged XXXX dollars from my debit card to my credit card even without sufficient funds causing an overdraft fee. I didnt notice this till about a month or two later causing XXXX  balance of XXXX dollars

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 01/27/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: XXXX XXXX XXXX XXXX XXXX stopped sending me statements since XXXX or XX/XX/ for reason unknown to me. I did not change my address or made such report. Sometime in XX/XX/ I tried to contact their customer service on two different occasions and gotten no where. I was concerned because I have been a victim of identity theft and thought maybe someone got a hold of my information. I like to mention that I have another Citi Card account where I receive my statements every month and I don't understand why the XXXX affiliate stopped sending me the statements. 
Now, all of a sudden they started sending me the statement only with a substantially higher amount than what I believe my balance should be and ruined my credit report. When I was receiving the statements, I have been paying consistently with no delayed payments. I stopped paying when they stopped sending me the statements because I do not know what the current bill was and the amount due each month. 
They are now harassing me with collection agency and, to my scare, I do not know how they gotten hold of my children 's phone numbers, they have been calling them and leaving messages chasing for me. 
If I owe something, I honor my debt, I just don't understand why they are doing this. 
They are now telling me that I owe {$6900.00} and to pay the total amount, which I can not afford.They also have placed a negative report on my credit report. I disagree with the amount and their unfair practice.

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 05/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with CORELOGIC INC (NY).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Summary of your complaint Complaint number :  XXXX  Date submitted to CFPB :  XXXX / XXXX / 2017  Date sent to company :  XXXX / XXXX / 2017  Product : Credit reporting, credit repair services, or other personal consumer reports Issue : Problem with a company 's investigation into an existing issue They have not fixed or rectified this and it has been o ver 3 weks since they said tehy ha ve

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 08-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX To Whom It May Concern : I am writing to correct my personal information on file with your company. Please update my name with the correct spelling : XXXX XXXX XXXX Please remove employers and phone numbers as they are not relevant to my credit history. Please update my address to : XXXX XXXX XXXX XXXX XXXX, NC XXXX Please remove all the other addresses off my report, as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. I have tried numerous times to get this remove and they will not comply.

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