milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-11-2016 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Hello, There are several items on my credit report that are fake and are listed multiple times, by a collection agency called NORTHEAST CREDIT & COLLECT. XX/XX/2010, my husband and I were hit by a XXXX. Our medical bills were paid in the settlement, yet this company continues to illegally place these false items on my credit report and list each fake charge multiple times, in order to destroy my credit. This is in violation of FCRA laws. 

They have never contacted me prior to submitting this false information to Equifax and have been unable to produce any evidence as to the validity of these multiple charges. 

XX/XX/2010, my husband and I were hit by a drunk driver, yet all of our medical bills were paid in the settlement, by XXXX XXXX XXXX XXXX XXXX. Our representing attorney was XXXX XXXX. 

These charges that our now showing up on my credit report however are completely fake, with made up numbers. Each month I dispute them and each month they fall off ( because they are not real charges ), but the collection agency retaliates by relisting each charge multiple times, in violation of FCRA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Mortgage (FHA mortgage) with PHH Mortgage Services Corporation (UT).
Issue: Incorrect information on your report

Complaint: PHH Mort gage was included in my Chapter  XXXX  Bankruptcy which was discharged   XX/XX/XXXX ..  In   XXXX   XXXX     that mortgage company decided to do a NEW update of the  DLA date  and put a new charge off update. BY LAW THEY ARE NOT TO CONTINUE TO DAMAGE CREDIT AFTER A  DISCHARGED B ANKRUPTCY ... Why after 6 years would they randomly do an update? But it has caused me to lose my financing and earnest money on a property which I WILL hire an attorney to go after them if they do not fix this issue!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! This is ridiculous and against the law

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2017 about Checking or savings account (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (TX).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: I had requested a stop payment in XXXX 2017, then they failed to stop the payment they gave a credit and now they took the money without my consent and they took out XXXX too offset the other negative account that I was unaware they refuse to credit the account and they left me with no money for 2 weeks they cause my mortgae to be NSF and they also charged me nsf fees and late charges

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (ND).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft. The following XXXX credit card accounts are fraudulent and unauthorized : XXXX and XXXX, the following hard inquiries are fraudulent and unauthorized : XXXX Bank XXXX XXXX, XXXX/XXXX/XXXX, XXXX/XXXX, XX/XX/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 07/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AL).
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: On XXXX/XXXX/XXXX I sent XXXX XXXX and Experian a Certified Letter About Unauthorized Inquiries On My Credit Report. They Came Back Verified On XX/XX/XXXX. I Do n't Recall Authorizing, I Understand That you Should n't Be Allows To Put An Inquire On My File Unless I Have Authorized It. I Have Contacted All Credit Bureaus And They Refuse To Move Them.I have also contacted the creditors and they have told to contact the credit bureaus. and it 's just back and forth who to dispute this with. I Sent Credit Bureaus Certified Letters. Inquiries : 1XXXX XXXX XXXX XXXX 2.XXXX XXXX 3.XXXX XX/XX/XXXX 4.XXXX XXXX- XX/XX/XXXX 5.XXXX XXXX 6.XXXX XXXX 7.XXXX XXXX 8 . XXXX XXXX XXXX XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, I further remind you that, as in XXXX v. XXXX XXXX XXXX, No. XXXX ( XXXX. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. Failure to respond satisfactorily may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. )  Violations of the Fair Credit Reporting Act

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 12-01-2016 about Credit reporting () with EQUIFAX, INC. (MN).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I 've disputed the credit inquiries on my report 3 times with Equifax and every time they just come back and say " inquiries are accurate '' without investigating at all.

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2016 about Credit reporting () with Experian Information Solutions Inc. (LA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I 've requested the documentation that was used to verify these accounts multiple times as well as the procedures used and have received no response. In addition, there are accounts that were reinserted after being deleted and I was never notified which is in violation of section XXXX. Lastly, there are accounts that are being reported my multiple companies which is double jeopardy and is in violation of a new agreement made with the CRAs. If a collection agency sells, transfers or does n't manage an account, it must removed : XXXX XXXX this account was previously removed on my XXXX report and the was reinserted on my XXXX report and you did n't notify me of said reinsertion which is a violation of section XXXX of the FCRA - remove this immediately! 
XXXX XXXX how is this account reporting THREE TIMES? 
XXXX XXXX how is this account reporting THREE TIMES? 
XXXX XXXX I have no knowledge of this account - remove immediately! 
XXXX XXXX I did n't receive the documentation that was requested or the procedures that verified this account- therefore ; it is not legally verified and must be removed. Also, this account is being reported multiple times on my credit fil and XXXX does NOT hold my account - that is double jeopardy and must be removed immediately! 
XXXX # XXXX I did n't receive the documentation that was requested or the procedures that verified this account- therefore ; it is not legally verified and must be removed. Also, this account is being reported multiple times on my credit fil and XXXX does NOT hold my account - that is double jeopardy and must be removed immediately! 
XXXX # XXXX you have the wrong balance and the date opened is not even in the same month that the account was opened in XXXX # XXXX XXXX does NOT hold this account and they must delete it because that is double jeopardy! If a collection agency sells, transfers or does not manage an account, it must be deleted. Not only that, but there has been no legal verification of this account. I do n't have a collection with this company!

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 09-08-2016 about Prepaid card (General purpose card) with PLS GROUP, INC (IL).
Issue: Unauthorized transactions/trans. issues

Complaint: I put {$100.00} on PLS XXXX prepaid card back in XXXX XXXX for services with XXXX. I was n't able to get the services, and XXXX refunded my money back to my card, but PLS will not release my money back to me after XXXX informed them that I did n't get their services. I, and XXXX, have repeatedly called PLS XXXX department to inquire about why they wo n't release my money and they have been doing nothing but lying about when my money will be released ( XXXX XXXX, XXXX, and now the XXXX ) are giving me the runaround. I ca n't get a supervisor on the line, I ca n't get my money.

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 12/22/2015 about Debt collection (Payday loan) with Advance America, Cash Advance Centers, Inc. (AL).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I filed bankruptcy in 2013, and added Advance America in the case and they continue to contact me threating to take action against me if I do not pay them.

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 08-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
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: I sent a letter to Equifax on XX/XX/XXXX asking that they verify the debt of several accounts. After the first letter, they deleted 2 accounts in their response on XX/XX/XXXX but did not verify any accounts. On XX/XX/XXXX, I sent another letter requesting proper verification of the remaining accounts as well as the name of the person who verified the accounts. On XX/XX/XXXX, Equifax replied by simply stating, " We have verified that this item has been reported correctly '' and listed dates and amounts of said accounts. I sent a third letter on XX/XX/XXXX, asking again for verification of the remaining accounts. I was able to remove 2 of the account from my list after doing a little research myself but I have never done any business with the remaining 2 accounts so I am looking for a true validation of debt to determine why and how these 2 collections were listed on my credit report. In their response to my 3rd letter, they stated, " We have reviewed your concerns and our conclusions are : Please be specific with your concerns by listing the account names, and numbers, and the nature of the dispute. '' Their final response was very disappointing because they simply pretended that I did not send them anything. Each letter was sent with a copy of my driver 's license, my SS #, and a letter with a list of accounts. Each letter was also sent certified mail so I was completely taken aback by their latest response and thus the reason for the complaint. Proper verification of the 2 remaining collections listed on my credit report would be greatly appreciated. I would like a solid verification as outline in all three of my letters without defecting and placing the blame back on me.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2016 about Credit card () with CITIBANK, N.A. (NJ).
Issue: Credit line increase/decrease

Complaint: Back in XXXX XXXX erroneously reported late payments on a student loan that was deferred. I contacted the Bureaus directly and provided them with proof of the error and requested that they remove any negative ratings from my credit report. All bureaus complied with the exception of XXXX. I reached out to the CFPB for assistance with getting this error corrected and the same reflected on my credit report. I have since had my credit limit decreased on my Citibank credit cards as a result of this. I have been a Citibank client for about 20 years. I had one credit card with a limit of XXXX and another with a credit limit of XXXX. To my dismay, my limits have been decreased to XXXX and XXXX. I explained to them that this was reported by XXXX in error and it has since been rectified. They sent a pretty standard letter to respond to my rebuttal stating that my limit was decreased due to negative information reported to the Bureaus. I should NOT be penalized in any way by an ERROR that resulted in an incorrect reporting by a creditor. I have exhausted all of my resources in trying to help Citibank to understand the nature of this error. This decrease in my credit is unfair and not related to my credit history or ability to repay. I am asking that my credit limits be restored immediately. I have uploaded copies of the Citibank notice of credit limit decrease along with the original notice from XXXX evidencing my student loan is deferred until XXXX ( late payments were reported in 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 04-12-2017 about Debt collection (I do not know) with Vinci Law Office, LLC (CO).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Vinci Law Firm called me this morning and I only know they 're a debt collector because I called back. In my initial contact with them, they asked for me by my legal name ( which I only use for strictly legal matters ) and when I asked what this was about, they refused to tell me so I said it was me. Then they demanded the last 4 digits of my social security number to `` verify '' it was me. When I tried to get the information anyway, they insisted and when I refused, they hung up on me. 

I called back moments later and demanded to speak to a supervisor. I was put on hold for a minute and then redirected to a voice mail. I told them to stop calling me, I know they have to disclose why they 're calling, and they ca n't verify by asking for my sensitive information like my social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2015 about Debt collection (Credit card) with PAYPAL HOLDINGS INC. (AZ).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I want them all stop calling my house..

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CO).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen took my loan over when we filed Chapter XXXX in 2011. It has been a nightmare ever since. I do n't believe any of my loan information is correct. We are still in Chapter XXXX and Ocwen is calling me ( first call was on XXXX, yes, a Sunday XXXX to tell me I owe them over {$10000.00}. Absolutely incorrect and illegal since we are in Chapter XXXX. When Ocwen took our loan over, they gave us a modification which reduced our payment amount to {$1200.00}. They are now saying our payment amount is supposed to be {$1500.00}. I have documents showing the {$1200.00}, but I guess they ca n't find them. Most recently I received a bill for {$9700.00} and corrected tax document which will make me owe the IRS. I do n't think any of it is correct. I ca n't ever speak to anybody that speaks XXXX so I totally understand how nobody knows what is going on. Ocwen does have a consumer omsbudsman, who does speak XXXX, but they have n't done anything but lead me on as well. The omsbudsman said to give them 15 days to get it corrected and that was the day after XXXX XXXX XXXX XXXX ). I have received documents stating they will charge me for insurance on my home because I do n't have any, again, absolutely incorrect. I have requested a complete audit of my account from an outside source, but have not received any response. I am unable to scan all the documents in today, my scanner is not working. I did take photos and attached a couple of documents I 've received showing the amount I owe, it too changes all the time.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2017 about Credit card () with JPMORGAN CHASE & CO. (NE).
Issue: Billing statement

Complaint: I have XXXX different balances on my credit card account. A low APR balance and a high APR balance. During the month of XX/XX/XXXX and XX/XX/2016, I made few payments in the total of XXXX to pay off the transaction made during since that balance are incurring payment daily. I was surprised that chase bank applied all the rest of the payment to the XXXX XXXX balance after the minimum was paid. I tried reaching out to them to get it resolve but their answer was they could n't apply that payment to the balance because it was n't included in the balance in the monthly statement. I tried to be reasonable and tell them according to the law, they should apply any remainder of my payment after the minimum balance to the highest APR balance on the account as stated in the law.

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2017 about Debt collection (Other debt) with Weltman, Weinberg & Reis Co., L.P.A. (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: From XXXX XXXX XXXX, my paychecks were garnished for a tax debt owed to the City of XXXX, OH. The amount garnished was a little over {$3000.00}, and the debt was paid in full. The garnishment was initiated and collected by Weltman, Weinberg & Reis Co ( WWR ). 

WWR is now attempting to again garnish my paychecks for the same debt, in the amount of {$770.00}. 

This debt was paid in full and this second garnishment attempt is a clear violation of the Fair Debt Collections Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2016 about Payday loan () with Advance America, Cash Advance Centers, Inc. (FL).
Issue: Charged bank acct wrong day or amt

Complaint: I received a Pay Day loan of {$550.00} and could not pay on due date so I started to pay little at a time until I was left only with {$180.00}, on XXXX XXXX 2016, Advance America deposit my check withdrawing from my account {$550.00}, I immediately went to the office of Advance America and they told me that 's the way they do business. Question, is this legal procedures? I was planning to take care of the {$180.00} the end of the month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 10/25/2016 about Debt collection (Medical) with CB1, Inc. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This complaint is against CBM Collections ' collection claim, on behalf of XXXX XXXX XXXX in XXXX, as it appears in my credit report. 

XXXX collection claim is not valid, since it is demanding payment of monies I never committed myself to pay them. I was billed for almost double the amount I was quoted for a XXXX procedure. In 2014 I paid to XXXX XXXX XXXX slightly over {$300.00} for a XXXX. This amount of slightly over {$300.00} was what I was quoted for a XXXX procedure. I never contracted any responsibility to pay any extra amount XXXX may wish to receive. I did not receive any additional service to justify the difference between the amount I was billed for and the amount I was quoted. Therefore, I can not accept nor submit to such claim. 

XXXX XXXX XXXX excuses the discrepancy between the amount quoted and the amount billed, because they alerted the amount quoted had to be prepaid. According to them, that meant the amount quoted was only an initial payment, but the final amount due would be anything over the amount quoted. XXXX explains their quote does not provide any insight of what would be the final amount due. Instead, I have pointed out that what XXXX calls 'prepayment ' is actually generally referred as 'down payment '. It only takes to look up a dictionary to understand a 'prepayment ' is a payment that needs to be completed before services are rendered. 

If XXXX quote is only a statement of an initial, partial payment, but does not provide any insight of what will be the final amount due, then they need to say so. They need to clarify the quote is only a down payment, but the final amount due is undetermined. XXXX has a very obscure and deceiving way of conducting business : they quote a very low amount to get the client 's business, but then they bill you for a much higher amount. If the client does not submit, they ruin your credit rating. The mismatch between the terms 'prepayment ' and 'down payment ', is not accidental, but absolutely intentional. XXXX continues its practice of referring what is actually a 'down payment ' as a 'prepayment. 

When XXXX submits its collection claim in my credit report is making a statement I am not financially responsible and do not meet my financial commitments and responsibilities. They are alerting lenders and creditors, there is a risk I may not return the money I borrow or may not pay as promised. That statement is false. XXXX claim is false. Plain and simple : I never agreed to pay the amount XXXX claims I owe them. The truth is XXXX is actually trying to rip me off and is hurting my credit as a way to coerce me. 

Please, find attached my letter of grievance to XXXX.

Company response to consumer: Closed with explanation