milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/18/2017 about Debt collection (Other debt) with VALLEY CREDIT SERVICES, INC. (WI) (VA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XXXX XXXX, XXXX, I received a letter from XXXX XXXX claiming I owed a debt in the amount of {$3000.00}. On XXXX XXXX I sent a certified letter acknowledging the letter but disputing the validity. Using the USPS tracking system for certified letters, the letter I sent has been repeatedly delayed due to bad address. An attempt to deliver the letter was conducted on three occasions. When I contacted XXXX XXXX over the phone the mailing address is in XXXX, MD. Furthermore, no followup letter, phone call, or additional notification was sent stating that this change in address had occurred. My complaint is that this business is expecting me to dispute the validity of debt within a thirty day window but knew any returning mail would and could not be collected by there office. Furthermore, there was no forwarding information to the address provided when you contact XXXX XXXX by phone. This company is using practices not conducive to good business and furthermore does not practice due diligence when trying to receive debt disputes, which leaves people vulnerable to having inaccurate and false information placed on their credit report. As a victim of identity theft, I take the validity process seriously and XXXX is allowed to continue their misleading practices others will be affected as well. 

Please see below for certified mail details Tracking Number : XXXX XXXX XXXX, XXXX, XXXX XXXX In Transit to Destination On its way to XXXX, VA XXXX The package is delayed and will not be delivered by the expected delivery date. An updated delivery date will be provided when available. The item is currently in transit to the destination as of XXXX XXXX, XXXX at XXXX XXXX. It is on its way to XXXX, VA XXXX. 
XXXX XXXX, XXXX, XXXX XXXX In Transit to Destination On its way to XXXX, VA XXXX XXXX XXXX, XXXX, XXXX XXXX In Transit to Destination On its way to XXXX, VA XXXX XXXX XXXX, XXXX, XXXX XXXX Departed USPS Regional Destination Facility XXXX VA DISTRIBUTION CENTER XXXX XXXX, XXXX, XXXX XXXX In Transit to Destination On its way to XXXX, VA XXXX XXXX XXXX, XXXX, XXXX XXXX Arrived at USPS Regional Destination Facility XXXX VA DISTRIBUTION CENTER XXXX XXXX, XXXX, XXXX XXXX In Transit to Destination On its way to XXXX, VA XXXX XXXX XXXX, XXXX, XXXX XXXX Departed USPS Regional Facility XXXX AZ DISTRIBUTION CENTER XXXX XXXX, XXXX, XXXX XXXX Arrived at USPS Regional Origin Facility XXXX AZ DISTRIBUTION CENTER XXXX XXXX, XXXX, XXXX XXXX  Accepted at USPS Regional Origin Facility XXXX AZ DISTRIBUTION CENTER XXXX XXXX, XXXX Pre-Shipment Info Sent to USPS, USPS Awaiting Item

Company response to consumer: Untimely response
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (DC).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX XXXX XXXX ran hard inquiries on my report without my written consent. I never agreed to them hitting my credit report with 13 lenders over the course of 3 days total. I gave them permission to look at the deal and come up with numbers. I never gave permission to hurt my credit score by 13 different hard inquiries. I would have never done business with any of their crooked lenders, because they are all in direct violation of Anti-Trust violations.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (MD).
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: Capital One has not updated information to XXXX and XXXX with my accounts. I received a letter stating this would occur but, it has not.

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2016 about Consumer Loan (Installment loan) with INVESTORS BANK (TX).
Issue: Taking out the loan or lease

Complaint: I reached out to, on XXXX from an email and phone call I got, for what I thought was a reputable loan finder and they set me up with a bank in NYXXXX called Investors Bank. I knew better, but I was desperate for the {$5000.00} loan they were offering. I paid some upfront for, what I now know is scam charges such as bank connection fee and so forth.I paid them around {$620.00} in fees to complete the loan. I was n't fully aware no bank would ever ask for fees up front. 

They claimed they were having trouble depositing my loan into my account so they did a " test deposit '' of {$1400.00} which I figured was legit and I was to pay it right back and I 'd get the full amount of the loan. What I did n't see was they disputed my XXXX XXXX XXXX charge ( basically called as if they were me to the dispute dept at XXXX ) and XXXX credited me the XXXX rent, vs them actually " depositing '' money. That 's why that {$1400.00} was in there. So I paid it back to them, and they promised I 'd have the loan amount in my bank this am. 

I contacted XXXX as I got an email about the dispute and put XXXX and XXXX together. To stop my apts basically getting an NSF for XXXX rent, I had to cancel that dispute. It will come out of my account tomorrow and I 'll be negative, big time. All in all I lost around {$2100.00} to these people and they are still asking for more money for the " transfer fee '' to complete the loan. I recorded the conversation and have reported them to the FTC and the XXXX XXXX. I also reported this to Investors Bank who said these men do not work for them and they reported it to their fraud dept.

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 09-01-2015 about Debt collection (Payday loan) with Patient Accounting Service Center (NY).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: ACS Offices in XXXX, NY- XXXX XXXX, zip - XXXX Contacted my parents late at night inquiring about a debt they claimed I owed. The caller was rude and threatened my parents.

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (TX).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due  XXXX ,  XXXX  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

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 07-04-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (IL).
Issue: Deposits and withdrawals

Complaint: XXXX of XXXX a check was deposited at the ATM. XXXX.receipt showed $ XXXX.I called the bank.they said a one time check would b credited.had2wait a few days.XX/XX/XXXX I got a letter credit was being taken back.I called 2get a understanding.Told everything 's OK.XX/XX/XXXX, I call checking my debit card.said I was negative $ XXXX.shocked.I called crying.y? Told bank gave2credits. $ XXXX $ XXXX.all day calling crying.bank is right I am wrong.I am a XXXX XXXX.my daughter had the card.if there were2credit she had2spend it.I beg the bankers make arrangements.that was my whole check4my bills.they said no+took all my money.now I can not pay bills or rent.I got no respect.8yrs I have been with chas.

Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2015 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (VA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This is about a Kohl 's department store credit card balance due. The company or their representatives continue to call mutliple times a day at a minimum of three often more and have in fact called as many as 15 times in one week after being informed of the plan to pay the balance in question. We have asked numerous times to not be called and we have advised them that we will not make payments over the telephone due to scams and fraud issues. Still they continue to call even after making contact. This has been going on for more than two months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-11-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Focus Holding Company (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid on XXXX/XXXX/2015 to Focus Receivables a collector for XXXX in full {$1000.00}. I have called Focus and they insist I still owe this amount. I have sent Focus a copy of my XXXX XXXX Statement as verification that I used my XXXX XXXX Card to pay this amount on XXXX/XXXX/2015. I have also filed a dispute with XXXX, and Focus still has refused to remove this negative status on my credit report. 
I just do not know what else I can do, pay Focus again??? 
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 09/28/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: On XXXX XXXX, 2015 I requested that TransUnion investigate XXXX XXXX XXXX XXXX tradelines listed on my credit report, numbered XXXX ; the same tradelines I successfully had removed from my XXXX credit report. In the complaint I requested that they provide me with documentation of their verification process to ensure that they performed their due diligence. On XXXX XXXX, 2015 I received my dispute results ; XXXX of the tradelines were removed, however the other XXXX remained. To date I have not received any documentation surrounding their verification of the remaining XXXX trade lines. 

Prior to filing this complaint I called TransUnion and spoke to a representative ( XXXX/XXXX/2015 @ XXXX ). I spoke with an extremely arrogant representative who dismissed my complaint as being inconsequential to the validity of their report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-05-2018 about Debt collection (Medical debt) with Capio Partners, LLC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: This company does not report to all credit bureaus that debts hv been paid, They reported that i paid my debt to XXXX XXXX XXXX XXXX XXXX to XXXX but refuse to send the information to XXXX. Capio partners XXXX file id XXXX original account # XXXX paid XXXX to XXXX XXXX for services XX/XX/2012. Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/21/2018 about Credit card or prepaid card (Store credit card) with Army and Air Force Exchange Service ().
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: Example, I received a statement, dated XX/XX/XXXX balance {$460000.00} minimum due payment of {$120.00}. Next statement, dated XX/XX/XXXX balance {$4400.00} with minimum due payment {$120.00} For the past several months I have received statements with minimum payment due of {$130.00}. Statement for XX/XX/XXXX is {$130.00} with a balance due of XXXX I have contacted XXXX where I make my payment for AAFES by phone in the past few months regarding my concerns about my pay statements. However, when I get in touch with there customer service staff member. I am told my minim due payments are set by AAFES. Later I call again getting difference customer service agent with in days a part getting a difference answer. Example, I am told I have to make a purchase on my AAFES card, then my minimum due payment will decrease. I contact them again, I am told that I need to pay a higher minimum due 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 04/28/2015 about Bank account or service (Savings account) with FIFTH THIRD FINANCIAL CORPORATION (OH).
Issue: Deposits and withdrawals

Complaint: On XXXX I went on line to check my bank accounts with 5/3 bank and observed an electronic check withdrawal from my savings account that I had not authorized. I immediately called to report the fraudulent activity with customer service and was told to go in person to file a domestic collections package. The same morning I went to the branch and closed all accounts, issued new account numbers and changed passwords, etc. ALso filed a police report. Was advised the process could take XXXX days to resolce. I have dutifully called the bank and receive the same response, the other bank ( XXXX XXXX ) is still investigating. I feel helpless and XXXX days later, still no money. I do not know the person who made the electronic withdrawal nor do I have any affiliation with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (MA).
Issue: Loan modification,collection,foreclosure

Complaint: My issue is XXXX fold, but both complaints have to do with Ocwen Mortgage Co. In XXXX XXXX, I began trying to get a Loan Modification from Ocwen Mortgage. I am divorced and because of that and also some health issues, I could not pay my mortgage. I did everything required and sent it to Ocwen. They approved the mod. However, at the 11th hour, my ex-husband refused to sign the paperwork ( I was given the home pursuant to my divorce decree, but we had not actually redone a Deed ). At this point, the mod was based on my income figures alone. Ocwen denied the request at that time and sent the mortgage payment check back to me. We then did all the necessary paperwork ( recording a new deed, completing the Family Transfer paperwork and my ex and I both signed the release of liability form ). I resubmitted updated paperwork and was approved for the mod. to begin on XXXX XXXX, XXXX. However, I was to pay the back amount due since XXXX XXXX. I did n't understand then and still do n't understand now. I was never told to pay anything and there was no mod in effect so why do i have to pay the back due amount. They also stated the back due amount was due within a month. It was approx {$3000.00}. Funny thing, I do n't have that much money. At this point I got XXXX involved ( Note : I 've been a real estate agent for 20+ years and still did not understand most of this! ). XXXX was wonderful and began working to get this straightened out. Again, they sent, after I sent to them, all of the information requested ( including all the transfer info yet again ). We heard nothing back. On Monday XXXX/XXXX/XXXX, I received a notification from Ocwen they were beginning foreclosure proceedings. I spoke with XXXX and they are as confused as I. OK, now for the flip side. In XXXX XXXX, I received some ice dam damage at my home. I spoke with the insurance company and they gave me a check for {$21000.00}. Ocwen requires rather onorous steps to have them endorse the check. I did them all - getting paperwork filled out by a contractor, sending them all estimates, etc. I sent them all this in approx. XXXX XXXX. The insurance division will not even speak to me as my ex-husband 's name is the only one on the mortgage at this point (? ). In fact, when you delve into this, you will have to use his name, they do not show me on the mortgage at all. They will not issue MY insurance claim check. It has been a year and a half. As the ice dam melted, water come in between the walls. I know mold has been growing - I can smell it in one of the ( finished ) downstairs rooms. It is now going to cost me much more than $ XXXX to fix the escalating problem. But yet they still wo n't recognize me as the owner of the property since according to them, the mortgage is in arrears so they ca n't do a transfer ( But, when I applied I was not in arrears ).

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: On XX/XX/2014 The Bankruptcy Court in XXXX, New Jersey granted my request to dismissed my chapter XXXX bankruptcy case. On XX/XX/2014 the dismissal was filed with the court. 
Since then, the three credit bureaus ( Experience, XXXX, XXXX XXXX ) has continue to keep this record on my credit report. This has been causing me and my family prejudice and damages over the years. 
The filing was voluntarily withdrawn by myself and dismissed by the court. Therefore, it was never a bankruptcy and should not be adversely affecting my credit report. This item should not be allowed to cause me and my family prejudicial damage. This is in violation 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 10/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Problem with fraud alerts or security freezes

Complaint: In view of the XXXX fiasco I wanted to place a freeze on credit reports. XXXX XXXX web site took took about 3 minutes to complete, with reasonable requirements for verification of identity. 
XXXX XXXX process took far longer and multiple attempts to complete with ridiculous questions about former residencies and loans, more of a marketing ploy than a service but eventually completed. 
Transunion 's process is obviously either designed to prevent access or is done by incompetent IT people. It required name, address, SSN etc as expected, but then required creation of a user name and password, and then multiple questions about previous mortages, residencies, banking history, and phone numbers etc. After submission I got a message something like " can not identify you based on answers '' but no suggestion of which answers or how to correct. A reattempt generated a message that I already had a user name and password, but would not accept those just set up. A " contact us '' phone number was given but was the same format via a menu of choices. 
I attempted to complete by touch tone phone with same results. Obviously their information is faulty. An address is given to apply by mail, but no form or list of information required or human contact info so no chance to correct " errors ''. 
The obvious carelessness of these companies, along with revelation that at least 2 of them give different reports to consumers and merchants and lie about it, destroy any credibility. Fortunately I am no longer dependent on loans or mortgages, but have had difficulty in the past despite never having defaulted on an obligation, and very rarely late. I now understand why. 
More concerning to me is the likely exposure of other accounts and information to hackers, either against the bureaus or their customers. 
They should at least be required to obtain permission from their victims before collecting and disseminating private information and have actual contacts available to correct errors. 
Computers will never be hacker-proof, but criminal negligence such as that by XXXX should result in jail time for the culprits, not in fines paid by stockholders.

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 11-02-2016 about Debt collection (Credit card) with Blitt and Gaines, P.C. (IL).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: I would like to file complaint against Blitt and Gaines PC. This is a third party debit collector. I have a very old debit from 2009. I have proof and documents that I had a payoff and settle agreement with another collector. Blitt and Gaines decided to garnish my wages on the same account. When I recieved notice of the garnishment I submitted proof from the other collector the settlement prior to the court date. Blitt and Gaines advised that they will not except the documents I sent and that if I paid over {$13000.00} to them they will close the account. I told them I dont have {$13000.00} and they told me they were going to go ahead and garnish and there was nothing I could do. Of course I do not know my legal rights and thought that because this stamped paper I had no defense. I then proceed to get multiple calls from other collectors for the same account. One collector advised that they would garnish my wages and I had to send proof. This got me thinking how and why. I called the origional collector and they advised on two seperate occasions that my information can be put back into the system. I called Blitt and Gaines and I guess they have held on to this account for a long time letting it build interest. When I asked why they didnt contact me they said they sent a letter over a year prior which I never recieved. When I asked why they didnt except my proof they acted like they had no idea what I was talking about. When I asked who is collecting the interested they could not give me a answer, when I mentioned I was going to record our call they hung up on me. When I asked for verification they sent me a court paper with some other collector on it, nothing said Blitt and Gaines only the envelope it came in. I found out I can contact court documents and get the same thing, I can also print off a wage garnishment form online as well. I contacted the origional collector XXXX XXXX. I was able tosubmit the proof to them. I got a call the day after I submitted the proof and they advised that this account should be closed. I had a hard time but was able to get to the collector I had the settlement with for a payoff. I submitted this to XXXX and they still havent closed the account. I have now been garnished over {$8000.00} on a settlement of {$2800.00} I also had to pay over {$200.00} in fees. This is extorshion.

Company response to consumer: Closed with explanation