milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/30/2015 about Credit reporting () with Patient Accounting Service Center (WA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I paid a medical bill that was in collections back in XXXX, it is still showing not paid on my credit report and the company is unwilling to send me information to proceed with a auto loan. I have contacted XXXX and they are submitting a dispute, but I need this done ASAP. Please.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Amsher Collection Services, Inc. (SC).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: In XXXX XXXX, I disputed a XXXX Bill for payments made to the account that were not credited and for undefined charges designated as " other. '' I sent via fax proof that payment was made and that the balance XXXX claimed was due was incorrect. 
After many attempts to get XXXX to define the charges and correct the bill, my service was discontinued and I could not access my account in order to get bills and other information to dispute the charges, but do have several key bills that were disputed. 

I sent a Debt Verification Request that was never answered and offered to settle the account with the stipulation that there be no negative information be added to any credit report. 

On XXXX/XXXX/XXXX, I received a letter in the mail from " XXXX XXXX XXXX '' claiming to be collecting on behalf of XXXX. I assumed the payment would go to XXXX, but apparently it did not. 

I was not aware that XXXX sold the account without notice and while the amount owed was disputed before verifying the debt. I noticed on my credit report a new debt opened that I did not recognize named Amsher Collection Services. This is when I realized the payment I was led to think was going to XXXX, was in fact not. 

The amount reported to Amsher Collections was incorrect and over the disputed amount. 

I thought I was paying XXXX. The agreement was that all negative information be removed from all credit reporting agencies or any specialty credit/information agencies and it remains on my credit report. 

Apparently, there are others who have had similar experiences with both XXXX and Amsher.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: XXXX XXXX XXXX XXXX XXXX, CA XXXX I have no clue who 's address this is.. why is it on my personal information. I jave never lived at this address or know anyone. 

I am afraid someone might be commuting fraud with my name from this address. Please take this off my personal information!!

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 02-03-2018 about Debt collection (Credit card debt) with HSBC NORTH AMERICA HOLDINGS INC. (FL).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint: XXXX XXXX purchased a credit card debt from XXXX  XXXX XXXX, assignee of XXXX XXXX and hired XXXX XXXX to represent them in the Court of law in order to collect on the debt. On XX/XX/XXXX, a lady named XXXX who claimed to be with law enforcement agency and wearing a " badge '' and shorts, t-shirt, flip flops, came to my place of employment with her XXXX small children. She was asked to leave by human resources and to contact me at home. She left and then immediately called my place of employment again, being harassing. She left her number and I called her to try and set up an appointment and all She stated was someone would be out next week to my home address, which I verified with her, as I believe she was trying to give me Court papers. Instead, On XX/XX/XXXX, she showed up again at my place of employment. I asked her to please wait outside as I was getting ready to leave work and I would meet with her. I came out and she was still inside. I told her I needed to use the restroom. She said " really '' I said yes. Then when we got outside she continued to stand by the employee entrance area. I said this is embarrassing and why didn't anyone come to my residence. She accused me of avoiding her and threatening to fine me. They took me to court and Sued me and unfortunately the judge sided with them which I disagree with. Not only violating the FDCPA, the company failed to provide evidence that I owe the debt and that they have a claim in the debt. I asserted lack of standing not to mention being threatened, harassed and humiliated at my workplace.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Debt collection (Medical) with Firstsource Advantage, LLC (WI).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: My understanding is that medical bills can not affect my credit score. This is a medical bill from my XXXX XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2016 about Debt collection (I do not know) with Southwest Credit Systems, L.P. (VT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I returned the XXXX and everything was in working condition. I starting getting letters in the mail that I owed money for the XXXX. They did n't give a receipt so I had no proof of returning. I had heard from other customers that they were doing the same to them. I think personnel were stealing equipment and the company is unaware and is going after the customer. I refused to pay the amount because I returned the equipment and whatever happened to it after I left is not my responsibilty. I would like this removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Mortgage (Conventional home mortgage) with CITIBANK, N.A. (OR).
Issue: Struggling to pay mortgage

Complaint: Im writing you because Citimortgage continues to violate CFPB rules do that were set forth to protect homeowners. I am a homeowner in XXXX, OR. 

I have been trying to modify my mortgage since XXXX. XXXX XXXX. I have sent thousands of documents only to have them lost or illegible and then abruptly have the file closed. 

Yesterday they violated the CFPB dual tracking rules. I have attached documentation below. 

I always notify their CEO, XXXX XXXX, of the violations. They have already been fined $ XXXX for these violations but that does not dissuade them from continued violations. Their CEO is knowledgeable and culpable. 

Again, I have been trying to modify the loan since XXXX and they continue to tack on fees and interest on my mortgage and continually drag me through their mess. This has caused much stress in my life and has cost me hundreds of thousands of dollars and has ruined my credit. 


I am writing to report yet another violation of the CFPB rules on dual tracking by Citimortgage. Attached are the necessary documents outlining the violation. 
Posted XXXX XXXX, XXXX at XXXX. 




Screenshot from email sent by Citimortgage to XXXX XXXX on XXXX/XXXX/XXXX Sincerely, XXXX XXXX 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 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: In XXXX my social security number was used to open a fraudulent account. I immediately notified the company and was able to successfully close the account. I then contacted Equifax to dispute the new account and notify them it was a fraudulent account. The Equifax representative on the phone refused to process the dispute unless I signed up for the Equifax ID Patrol. 

I ended up signing up for their product and was able to temporarily freeze my credit, however I have repeated disputed the fraudulent account over the past 2 years and Equifax refuses to remove the fraudulent account from my credit report. This fraudulent account damaged my credit score for months. 

Furthermore, after spending hundreds of dollars on Equifax credit monitoring services, Equifax failed to notify me that my information had been leaked in the most recent Equifax hack ( announced by the company on XXXX/XXXX/XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with First Credit Services Inc. (GA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: The following is our original submitted complaint from XX/XX/XXXX/XX/XX/2015 : My wife enrolled our children into a XXXX program XX/XX/XXXX. She stated she 'd pay by credit card to which they responded that they had an auto debit program. The agent produced a pre filled out form and my wife signed it in trust that it was to authorize an auto debit from our card. When we decided to pull or kids from the program we were advised we had entered into no less than a 12 month contract followed by a 30 day mandatory cancellation period when she signed the debit form. Trusting the company agent my wife never read the details because he was n't transparent to advise her the form was a contract. Now we 're receiving harassing phone calls from a third party company to which said document was produced by. I called the martial arts agent to discuss this situation to which he quickly washed his hands of by responding my dispute is with them and no longer with him. The third party billing company has stated to us that they will not stop calling us until we satisfy the amount due. This is a very dirty business practice being performed by what is considered by many to be an honorable and legendary form of self defense training which is posted throughout their facility. The third party collection institution also needs to be questioned about these non transparent business practices especially after I read the complains against them on the XXXX website. They go by XXXX aka XXXX XXXX A simple martial arts training for young children should 've never turned into this infuriating situation. 

XXXX aka XXXX claimed they were no longer pursuing the matter as communicated through the XXXX of XXXX XXXX / XXXX XXXX on XX/XX/2015. Now we 're receiving a notice of debt collection regarding the so called dropped case from First Credit Services XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. Phone : XXXX. 

I am not familiar with debt collection since I 've never defaulted on credit and feel very threatened as well as helpless in regards to a matter that we were drawn into with the use of deceptive business practices by the original biller ; XXXX XXXX Branch, XXXX We contacted XXXX yesterday and they stated they are no longer pursuing the matter as well but yet we 're still being harassed now by a forth party. Any assistance in this matter would be greatly appreciated. 

Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2015 about Credit card () with CITIBANK, N.A. (VA).
Issue: Billing statement

Complaint: I made XXXX payments to cover my XXXX billing statement though XXXX was meant for the XXXX statement. The XXXX in XXXX where on the XXXX to cover the payment due of {$350.00} originally sent {$350.00} and realized it was not enough & sent an additional {$50.00}. Then in early XXXX while doing my bills I paid {$400.00} on XXXX to cover what I thought would be applied towards the XXXX statement however the XXXX statement did n't close until XXXX so I paid a day early or almost 30 days early since the payment was not due until XXXX. {$800.00} in payments where applied to the XXXX statement making it look like I missed my XXXX payment. Now my XXXX statement is showing late and they are asking for XXXX to bring current plus a {$26.00} late fee and they reduced my XXXX limit as a penalty for paying too early. When I called they said to bad you need to pay attention to your due dates and there is nothing they can do, just plain bad customer service. Today I will make the {$330.00} XXXX payment again to avoid additional late fees and the additional {$250.00} prior to the XXXX due date to bring everything current in their eyes. All I asked them to do was post my {$400.00} XXXX payment towards the XXXX billing statement. I would also add that I have never missed or had a late payment on this account. I will do whatever it takes to pay this debt off ASAP and never deal with them again.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09-01-2016 about Credit card () with AMERICAN EXPRESS COMPANY (CO).
Issue: Billing disputes

Complaint: American Express demands payment of {$230.00} for a {$96.00} charge made in XXXX 2016, plus late fees and interest. 

In XXXX 2016, I received a letter of apology from American Express stating that all charges had been cleared from the XXXX accounts in dispute, including the XXXX with the alleged outstanding balance.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Im writing to dispute the TransUnion record of a XXXX XXXX XXXX XXXX report, reference # XXXX, of which the XXXX XXXX was in a accident aroundXX/XX/XXXX. The vechicle was fully covered by XXXX at the time of the accident. The insurance company deemed the car to be totaled. I notified the XXXX XXXX XXXX XXXX about the accident with the claim number assigned by XXXX. Then I was told by XXXX XXXX XXXX XXXX that I did not have to worry about any upcoming monthly payment regarding to that account. I also confirmed with XXXX XXXX XXXX XXXX representative that there was nothing I need to do and all the matter would be settled between XXXX XXXX and XXXX. With that being confirmed, I went to XXXX as pre-scheduled. However, when I called XXXX XXXX XXXX XXXX again in XXXX to make sure the matter was settled, XXXX XXXX XXXX representative irresponsibly stated that they did not receive the payment from the insurance company. So I contacted the insurance company while I was in XXXX to address this issue, XXXX representative told me that XXXX XXXX XXXX XXXX did not contact them. As a result, XXXX did not know how to send the payment. I was confused and stressed, for this issue should have nothing to do with me at this point. However, sadly, I could do nothing but to beg the XXXX XXXX XXXX XXXX representative to contact the insurance company to offer XXXX the information. I then stayed in XXXX for my own business until XX/XX/XXXX 
When I returned to the US, I received a letter from XXXX XXXX XXXX XXXX that asked me to pay {$500.00}, which I immediately payed XXXX XXXX. According to the Lease agreenment XXXX need to notify me in person for unusual circumstance. I did nothing wrong in this whole process : I paid my dues, reported the situation immediately, notified both parties on time, and the only information I had was being notified that I had nothing to worry about. It is certainly the fault of XXXX XXXX XXXX XXXX and the insurance company for not contacting each other in time. I had no idea about the {$500.00} extra payment until I got home. I still paid it immediately when I got the notification. However, XXXX XXXX XXXX XXXX now has reported to the credit bureau for c/o ( charge off ) every month up to now (XX/XX/XXXX ), which is unfair and unlawful. I have evidence for everything I have stated above, and XXXX XXXX XXXX XXXX should also have record of the phone calls. Therefore, once again, I sincerely hope that XXXX XXXX XXXX XXXX would help me resolve the unfair treatment I have been through. I will definitely fight for the rights I deserve.

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 12/22/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (NJ).
Issue: Account opening, closing, or management

Complaint: I submitted a complaint to you ( case # XXXX ). The bank responded that I needed to send an original copy of a trust a agreement. I sent them the agreement. They have not responded and will not return my phone calls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: THE COMPANT XXXX AUTO IN XXXX NEW MEXICO LET ME TEST DRIVE A AUTO TOOK MY LIC # AND SS # AND RAN A ILLEGAL REPORT TO ALL BUREAUS 16-TIMES ( INQUIRES ) WITHOUT SINGED PERMISSION.TRANS UNION HAS USED THIS TO DISCRIMINATE MY GOOD WORTHTHINESS, BECAUSE I 'M RETIRED.I HAE SENT IDENITY DOCUMENTS XXXX TIMES AND STILL NO REPORT TO DELETE THIS NO SIGNATURE PERMISSION FOR INQUIREIES ( 16 )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/14/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Because of their terrible services, I cancelled XXXX cable/internet services on XXXX/2014. I paid it off and turned to XXXX ever since. It 's been about three years that they keep harassing me by sending me a bill of {$120.00} which I DO N'T OWE. I have provided them the evidence and documents according to which I do n't owe them a penny, but they keep sending the same bill via a collecting company. This has impacted my credit score and I want to buy a home. Please help me get rid of them.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2015 about Bank account or service (Checking account) with PNC Bank N.A. (NY).
Issue: Problems caused by my funds being low

Complaint: I signed up for pnc bank account last year and used it as my direct deposit account and also my tax return. IN that time I sent a check from my bank I use for purchasing and selling online to them to put extra money in that account except I wrote it from an old checkbook which had closed my account. At that point I had a positive balance and it went negative. B4 they even asked me about what was going on they closed my account which my next pay check that week would of covered what was overdrafted and it was a clear mistake on my part and I apologize. I owe the bank XXXX dollars that I would like to pay them in return having my account removed from chexsystem as FRAUD which I have never committed and never plan on committing. I think I received an unfair judgment here.

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. (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I wrote to Equifax, notarized and certified mail. Stating that there are inquiries that I do n't recognize and I did n't authorize or signed any documents. Therefore I want them deleted, they wrote back stating that a third party may access your Equifax credit file to assist in the underwriting of your request for credit.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2015 about Consumer Loan (Vehicle loan) with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Taking out the loan or lease

Complaint: Per a class Action Law Suit and Settlement Case # XXXX. Represented by XXXX XXXX, XXXX, MD I was included in a XXXX XXXX dollar Settlement won against Capital One Auto Finance for illegal practices re : Repossession by a Md Court Order. The Settlement was finalized in XXXX 2015. I have clear documentation that states that as part of the settlement ; derogatory, negative information will be removed for Plaintiffs and replaced with Positive Credit reporting via all XXXX credit bureaus. I am hopeful to upload this document for your review, in the event that is not possible please search XXXX Settlement and this has all the details. This is not private information and even more surprising that I to date HAVE ALL NEGATIVE REPORTING FROM CAPITOL ONE AUTO FINANCE AT THIS LATE DATE. The most disturbing part is as a consumer I have been harmed by recently being DENIEDCREDIT! In seeking Legal Counsel this is UNACCEPTABLE! I have tried to no resolve reaching XXXX XXXX whom I spoke to once and he ALSO confirmed this should have been resolved, I called endlessly to the Law Firm that handled the case for Capitol One, XXXX XXXX, XXXX ( XXXX ) XXXX I was bounced from voicemail to voicemail and completely ignored. I tried all attorneys mentioned in public documents regarding Capitol One and this Settlement! I reached all XXXX bureaus begging, calling daily all noted in phone records, for help launching several investigations and disputes only for them to come back saying Capitol One CONFIRMED THE NEGATIVE INFORMATION! This is completely exhausting and just down right wrong. It may not matter to anyone but it is impacting ME! as I can not sleep at night and am suffering XXXX over an issue that should have been resolved Months Ago by Court Order. The Bureaus collectively show NO EFFORT OR CONCERN AND HAVE DROPPED THE BALL! I HAVE SUPPLIED THAT SAME DOCUMENTATION MENTIONED HERE BUT no RESOLVE. I CAN NOT AFFORD AN ATTORNEY TO FIGHT THIS BUT VOW TO FIND SOMEONE THAT WILL ASSIST. This is not right!! Please assist! My credit report for ALL XXXX bureaus after careful research should read as follows : CAPITOL ONE AUTO FINANCE, INSTALLMENT LOAN, HIGH CREDIT {$18000.00}, PAID AS AGREED, SHOWING NOT LATE STATUS! Any efforts towards expeditious resolution in this matter is GREATLY appreciated. THIS IS NOT A MATTER THAT CAN WAIT THE NORMAL 30 DAY PROCESS I HAVE AN APPLICATION PENDING AND THIS SHOULD HAVE BEEN RESOLVED MONTHS AGO. I NEED UPPER MANAGEMENT TO TAKE CHARGE AND GET THIS STRAIGHT. I at this point not only have anguish over this but now have damages as I have spent numerous hours of time calling, scanning, printing, downloading reports, postage, mailings etc. I am beyond livid as this is UNACCEPTABLE. ITS ALL IN WRITING BY COURT ORDER! COMPLETELY EXHAUSTED AND IN DISBELIEF.

Company response to consumer: Closed with non-monetary relief