milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-12-2016 about Credit card () with FIRST NATIONAL BANK OF OMAHA (OK).
Issue: Other

Complaint: To Whom it May Concern, I would like to file a complaint, because I noticed a discrepancy in my credit report. I noticed that there 's a credit card on there with a balance of {$840.00} with FNB of XXXX. Please help me resolve this problem as soon as possible. 
Thank You!

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2016 about Debt collection (Credit card) with CAVALRY INVESTMENTS, LLC (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I contacted XXXX who is collecting on behalf of Calvary SPV LLC. I spoke to a XXXX XXXX. Upon I asking for proof of debt, proof that they are licensed and bonded in my state she began to get annoyed and very nasty to the point that when I asked to allow to state that I was requesting certain documents for the record she stated that she does't have listen to me and hung up. AT no point was she able to tell me the date of first delinquency, license number, she basically only wanted to collect money. She never informed me that I can dispute this information. I then was upset and called back and spoke to customer service supervisor XXXX XXXX. I explained the situation and that I wanted her to correct XXXX XXXX conduct and how she violated my right under the FCRA. I also informed her that I was going to file a compliant with the FTC and CFBP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-04-2017 about Debt collection (Medical) with Credit Adjustments Inc (OH).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Recently while conducting a monitor of my credit report I discovered that CREDIT ADJUSTMENTS XXXX # XXXX has furnished some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware that there is a debt from MEDICAL - CONSULTANT but I am unaware of the amount due and your bill does not include a breakdown of any fees. 
Additionally, I am allowed under the XXXX law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF XX/XX/1996 XXXX, to protect my privacy and medical records from third parties. I do not recall giving permission to MEDICAL CONSULTANTS to release my medical information to a third party. I am aware that HIPPAA does allow for limited information about me but anything more thatis to only be revealed with the patients authorization, therefore my request is XXXX fold and as follows, Validation of Debt, and XXXX authorization. 
1.Please provide breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you. 
3.Cease any credit bureau reporting until debt has been validated by me. 
4.Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA. 
Please note that falsification of the information you received from any medical provider can be percieved as a XXXX compliance violation as well as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt. 
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX   XXXX  will not remove old accounts. Collection accounts that have been paid and show  XXXX  balance are still showing up.   Old accounts showing closed are still showing up and they claim anything reported to them will stay on the account, even with proof that they are closed or paid 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 08/20/2015 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: an insurance company issued payment for flood damage to a home, and listed tthe mortgage holder on the draft. after endorsing the draft and sending it tothe mortgage holder ( seterus / XXXX ), the mortgage holder has committedintentional fraud, and will not refund the money to complete the flood repairs. 
they continually change criteria for release of the funds, indicate that we haveto complete repairs from money out of our pocket, and has caused loss ofuse of our property.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with SYNCHRONY FINANCIAL (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: While reviewing XXXX that a collection notice was placed on my report. I attempted to contactTJX XXXX arguing that I dispute the validity of the debt without success. I personally contacted XXXX, disputing the validity of the debt. I requested that they provide me with an original signed contract of obligation with the TJX as a matter of law and XXXX has failed to do so but insist on continuing collection action that a s a direct result of ID THEFT and knowingly with intent to cause me economic harm placed collection status on my credit report making it very difficult to secure a meaningful job and obtain new credits. 
Upon belief and Information, this debt is/was as a direct result of ID THEFT, therefore, I`m not to be liable for the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2015 about Debt collection (Medical) with Atlas Collections Inc. (of New Castle) (IN).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: On XXXX XXXX, 2015, I was contacted by a woman named XXXX who gave me her phone number and wanted me to contact her. I have this message on voicemail. She did not say this is an attempt to collect a debt. I called the number back which went to voicemail that said it was Atlas Collections from XXXX XXXX Indiana.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Experian is reporting a alleged mortgage on my credit profile for something I 've never had. I do not have nor have I ever had a mortgage with XXXX XXXX. No other credit report is showing this information and after investigation Experian says it is accurate. That is impossible because I 've never had that mortgage. Do n't they have to provide me with proof that that debt belongs 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 02-11-2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX The inquires are not a factual report of access to my credit report, it was placed on my credit report my mistake. I have contacted the companies and they do n't know who I am. 

These are mistakes look at how may inquires there are IT IS INSANE TO THINK THAT SOME ONE WITH MY GOOD CREDIT WOULD DESTROY IT LIKE THIS ... .THINK ABOUT IT????? 
REMOVE THE INQUIRES DO NOT USE THE e-OSCAR system give this call to a supervisor TO REMOVE THE INQUIRES PER THE FCRA SHOW HOW THE INVESTIGATION WAS DONE DO NOT PLACE A FRAUD ALERT ON MY CREDIT PROFILE!!!!!!!! 
DELETE XXXX DELETE XXXX DELETE XXXX XXXX DELETE XXXX THEY DOD NOT KNOW WHO I AM AND HAVE NOTHING TO SHOW I APPLIED FOR CREDIT. I DID N OT APPLY FOR CREDIT!!!! 
EQUIFAX GAVE THEM ACCES TO MY CREDIT NOT ME!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2017 about Credit reporting () with Experian Information Solutions Inc. (WA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: XXXX is not allowing me access to my once a year free credit score that W. George Bush passed a law in 2008 stating that we are allowed one free credit report and score each year by law. XXXX nor XXXX nor Experian are allowing this to occur. I guess paying XXXX XXXX dollars in fines has not even phased them whatsoever. Why is it the that nobody is doing anything about this behavior. Why do they continuously get away with ripping off the American people that built this country and free Democracy. Enough is enough with this behavior. Somebody needs to stand up and actually do something about it once and for all. I 'm getting tired of people turning their backs on the American people do the right thing and make a change.

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 02-06-2018 about Debt collection (Other debt) with ResidentCollect, Inc. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: INNOVATIVE RECOVERY HAS HARASSED ME FOR YEARS FOR SOMETHING I DO NOT OWE.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (NY).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: Barclays Choice Privileges credit card company failed to timely credit my credit card payment. Barclays unlawfully held the payment over a weekend so Barclays could claim false and erroneous charges since I paid off my credit card in full each month. I timely paid, and Barclays timely received, {$220.00} on or before the due date, Friday, XXXX XXXX  2011. However, Barclays failed and refused to timely credit the payment. Instead, Barclays held the check over the weekend and did not credit it until Monday XXXX XXXX, 2011, after the weekend. Barclays then demanded {$35.00} as a false " late fee, '' and {$3.00} in false " interest. '' I immediately notified Barclays of the error and demanded it be corrected. When Barclays refused to respond and correct its mistake, I cancelled my account, terminating any contractual relationship between me and Barclays. Since that time, Barclays has attempted to charge me additional late fees and additional interest for my refusal to pay the original false and incorrect late fee and interest. SUCH LATE FEES ON LATE FEES AND INTEREST ON INTEREST IS NOW ALLEGED TO BE IN THE SUM OF HUNDREDS OF DOLLARS. NOT A SINGLE PENNY IS FOR PRINCIPAL. These false claims are negatively effecting my family 's ability to obtain credit. Clearly this is unlawful.

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 11-07-2016 about Credit reporting () with EQUIFAX, INC. (NH).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX I am unaware of any valid contract with this company for which they report that I owe {$660.00} due to the account being seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department. 

I disputed the above accounts directly with XXXX and have been attempting to resolve these issues directly with the above named collection agency since XX/XX/2016. As of the writing of this letter, they have been unable to provide any validate proof of a contract. They failed to mark my reports within the required time frame. I have retained copies of my ongoing correspondence with them and, if necessary, I can provide copies of the above as necessary to get this resolved as soon as possible. I only became aware of this account when I got rejected for credit last spring. This account is well over any statute of limitations in NH and has never been validated, either by the original creditor nor by XXXX. It is due to fall off my report shortly, however, it is holding up current credit needs. 

After several months and multiple unsuccessful attempts with Portfolio Recovery, on XX/XX/XXXX I disputed this reporting, in writing, directly to Experian, Equifax and Transunion. Transunion. Transunion investigated and deleted both the original and XXXX accounts. I waited for XXXX days and resubmitted online disputes to both Equifax and Experian. Although appropriate validation has never been provided, they have closed their investigation. 

I formally request that this information be immediately deleted from the credit file maintained in my name by both Equifax and Experian so that my credit portfolio supports my current financial goal. If it were even validated, it is a zombie debt and uncollectible. If need be, I am prepared to file suit and have all the documentation to be successful.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2017 about Bank account or service (Checking account) with CITIBANK, N.A. (NY).
Issue: Account opening, closing, or management

Complaint: On XX/XX/XXXX, Citibank sent us a letter saying that for an unstated reason they were closing our primary, 30 year old checking account on XX/XX/XXXX and that our debit cards would be blocked 5 days prior. This is the account into which all our income is directly deposited and from which our bills are paid. Our daughter received a similar letter regarding her savings account the day before. 

We called the telephone number on the letter the day we received it and were told that the letter was sent in error and that we could ignore it. On Saturday XX/XX/XXXX, we discovered that our debit cards were blocked and that we had no access to our accounts on line or at ATM. We called and were told that there was nothing that could be done since it was a week-end. It was in fact a holiday week-end and banks were not open until Tuesday, XX/XX/XXXX. 

As of XX/XX/XXXX, the situation has been resolved after a branch visit and several hours of investigation. The one person responsible for our dilemma was on vacation from XX/XX/XXXX-XX/XX/XXXX. We never learned how the branch manager and his superior ultimately resolved the problem nor the reason for its happening. But the XXXX of those five days was terrible. We would have been without income for at least a month had that account been closed. Moreover, the failure of a global bank to be able to address so serious a mistake 24/7 is breathtaking and inexcusable. How can one person have that kind of power? 

Attached is a copy of our letter to the CEO of Citibank , N.A . and copies of the XX/XX/XXXX letters that both we and our daughter received dated 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 explanation
Consumer complaint received 01/16/2017 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Customer service / Customer relations

Complaint: Synchrony Bank has suspended all charging on my accounts. They stated they needed to verify my income. They submitted a XXXX to request my XXXX transcripts. The letter stated it would take XXXX days from the return of this form before I would hear back. The letter was returned over XXXX days ago and to date I have not received any correspondence or able to get any answers to my phone inquiries. last phone inquiry was today XXXX. XXXX the customer service agent advised there was no update. Please note all of the accounts Synchrony Bank has suspended were approved via their automated system and cards were mailed out to me. All information including income was truthful

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 02/21/2018 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (LA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Amount of debt was settled with collection agency for less than the amount

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX is incorrectly reporting that I have caused six ( 6 ) inquiries into my report during the past two years, a fact that in completely wrong. 
I found that information through XXXX credit monitoring who uses that agency for credit reporting. This is obviously affecting my ratings as I make it a point to not have many personal accounts open. I do pay all my accounts on time and do not seek additional credit, do not accept the XXXX offers that are sent to me on a regular basis. 
The objective is to correct the errors and issue a corresponding score consistent with the facts.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Alliance Data Card Services (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have never applied to these companies. They are just putting hard inquiries on my credit score. I have tried to contact them but there has been no solution so I'm coming to you guys for your help here are the companies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-02-2015 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Equifax is knowingly reporting an incorrect balance and payment status for an account that was settled with XXXX XXXX. I initially disputed the above referenced account with Equifax in XX/XX/XXXX under the Fair Credit Reporting Act ( FCRA ) but the account apparently was verified. I subsequently disputed the account directly with XXXX under Section 623 ( a ) ( 8 ) ( D ) of the FCRA multiple times, eventually even filing a complaint with the CFPB under this Federal law. XXXX response was, and I quote : '' Our records indicate that we received a payment of {$21000.00}, which settled the XXXX account ending in XXXX. XXXX notified the consumer reporting agencies the XXXX account ending in XXXX was settled. We have investigated your complaint and found that XXXX furnished information relating to your account in accordance with industry guidelines. In response to your complaint, XXXX verified the XXXX account ending in XXXX and the accuracy of the information we furnished to the consumer reporting agencies. " In support of XXXX claim of correct reporting, XXXX is correctly reporting the balance as zero, with a payment status of " Settled, '' which indicates that XXXX is correctly reporting the information but that Equifax is ignoring the corrected information from XXXX and continuing to knowingly report false information to my credit report to my detriment!! This represents a blatant violation of the FCRA!!! 
I have attached the settlement letter from XXXX and the Certificate of Satisfied Judgment as proof of the settlement as well as a partial credit report, dated XX/XX/XXXX showing the false reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2017 about Checking or savings account (Checking account) with M&T BANK CORPORATION (NJ).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I keep having issues with my ATM card not working. Declines at ATMs with plenty of funds. Customer service is less than 12 hours a day. Absolutely unacceptable.

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 04/13/2016 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Portfolio Recovery Assets is relentlessly calling my home. My husband has taken all of the calls and has told them to stop calling. The calls have come in the morning and at night, and it appears to be a different person each time. They do not identify themselves, and do not say why they are calling, but I understand from doing online research that PRA is a collection agency. I do not have any outstanding debt, my credit is in good standing, and I do not know why they are calling me, but it has gotten to the point of harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2017 about Debt collection (I do not know) with FINANCIAL ASSET MANAGEMENT SYSTEMS INC (OH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XXXX keeps repeatedly calling me. It is a recorded message they leave on my machine saying it is an attempt to collect a debt, however I do n't owe anything. When i have tried to pick up to speak to them, there is never anyone there. The last calls were on XX/XX/XXXX at XXXX, and XXXX and XXXX XXXX and on XX/XX/XXXX at XXXX and 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 (Other personal consumer report) with Experian Information Solutions Inc. (TX).
Issue: Identity theft protection or other monitoring services
Sub-issue: Didn't receive services that were advertised

Complaint: Experian says that I have to pay them to put a lock or freeze on my account when these XXXX are the ones that gave away my credit info.

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 12-05-2016 about Bank account or service (Other bank product/service) with CITIBANK, N.A. (TX).
Issue: Account opening, closing, or management

Complaint: Dear CFPB, We are in the process of XXXX and as part of the process need a notarized letter from our bank ( Citibank ) regarding our account balances, ownership details and length of relationship which Citi has failed to provide delaying processing of our case. 
We would very much appreciate your help in getting this from Citibank so that we can proceed with the XXXX. 
Sincerely

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