milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/18/2017 about Debt collection (Other debt) with National Consumer Telecom & Utilities Exchange, Inc. (LA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I received a call from a New York number claiming to be a process serving company and stated that I needed to call another number before I was served with a civil complaint lawsuit. When I called the number it turned out to be XXXX XXXX I spoke to a young lady who claimed I had a pending lawsuit in their office. I asked how I had a lawsuit from them and she its through XXXX ( SP ). I informed her I didnt know who XXXX was and she named off various communication companies they served. I then asked her how I owed them money and she said I owed it XXXX but if I didnt want to resolve it I could just wait to be served by my county. When I questioned her about the validity of the company she hung up on me. When I called back and asked to speak to a supervisor I spoke to a XXXX XXXX who claimed to be the manager of the young lady I was just speaking to. I asked her the same questions and she told me they did not have any of the information to verify I had an outstanding debt. When I asked when this debt occurred she said she did not receive that information. I informed her that I was told they were a law office and they were the ones filing the lawsuit. I again asked her when the lawsuit would be filed because I should have the right to know if someone is filing a lawsuit against me. She said I would have to wait until I was served and hung up. The third time I called I spoke to XXXX XXXX who also claimed to be a supervisor. I also asked him to provide me with something stating the validity of the debt and he claims that it was sent out on XXXX XXXX XXXX and was scanned at my mailbox before it was delivered. I informed him that I in fact never received it and asked him to resend me something in writing and he said he was unable to do so because I didnt respond within the 30 days. I asked him when the debt was established and he said XXXX XXXX XXXX and was open for six years. I informed him that I never had any phone service active for six years and I would like to see some proof that this debit is legit. He again stated that it was delivered over 45 days ago and he would not hold my account open another 3-5 days.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX XX/XX/XXXX XXXX It is showing up late on my report. Provide proof of this delinquency. 

XXXX XXXX - XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. 

XXXX XXXX XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. 

XXXX XXXX XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. 

XXXX XXXX XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. 

XXXX XXXX XXXX XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. 
This item is on my report twice. The information is different. The dates are wrong. What date is on the contract I signed? 

XXXX XXXX XXXX XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. 

XXXX XXXX XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. 
This item is on my report twice. The information is different. The dates are wrong. What date is on the contract I signed? 

XXXX XXXX XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. 

XXXX XXXX XXXX XXXX XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. 

XXXX XXXX XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. 

XXXX XXXX XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency XXXX XXXX XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. 

XXXX XXXX - XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. This item is on my report twice. The information is different. The dates are wrong. What date is on the contract I signed? 

I didn't authorize the following companies to pull my credit report. 

XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX   XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Creditor Name : XXXX XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX. XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX, XXXX. 
ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX XXXX Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX XXXX Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX XXXX 
ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX Number : XXXX DATE REPORTED : XX/XX/XXXX I have disputed all of these items by letter with all three credit bureaus.

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 08/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Alliance Data Card Services (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Pay Pal placed 5 inquires on my credit. 4 on XXXX, two of them were on back to back days XX/XX/XXXX and XX/XX/XXXX, one on XX/XX/XXXX, another on XX/XX/XXXX for  XXXX and then one for XXXX XXXX XX/XX/XXXX. I disputed these inquiries with XXXX and XXXX XXXX, they told me to contact the Creditor directly. I contacted Pay Pay and explained the inquiries were un authorized and could they provide me with documentation to show that I personally made those inquiries. They sent me a letter stating that the inquiries were authorized because of a check mark listed on an online application that says they can run my credit, however ; they did n't provide me with the copies of the applications or anything to show that I made those inquiries, they were not helpful to me in any way. I even have a fraud alert listed on my credit report and Pay Pal made no attempt to go through security measures to verify my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: On XXXX2017 I sent in ( certified ) debt validation letters on behalf of myself, to all three credit bureaus. As of today, it is XX/XX/XXXXand I have yet to get a response regarding the matters on my credit report. It is well over 30 days, now entering the 60 day mark and past the grace respond period time. I am now requesting that all collections be removed from my credit report due to negligence by the companies to respond to my request in a tactful manner. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2016 about Debt collection (Payday loan) with Advance America, Cash Advance Centers, Inc. (SC).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Phone # XXXX called my aunt in XXXX right after XXXX and said i have a bounce check and they need to serve papers to me .Afterwards, I then received call on my work phone from both XXXX and XXXX saying they want to serve papers for case XXXX. Both XXXX and XXXX said they were calling from XXXX and XXXX law firm. ( i have the recorded calls ). calls went to voicemail. called them back and they wanted to verify my personal information and i advised them they will have to sent me information via paper bc im not providing my personal info. when i talked to XXXX he said no we can not send a paper confirmation of debt. And XXXX proceeded to tell me once a payment arrangement is set then he can send an email a confirmation. During any of these conversations, they did not say they were a collection agency, only from law firm. i asked for the company they are representing and they said advanced america and said it was {$410.00} owed for a payday loan from XXXX advised i will talk with them directly to resolve and XXXX said its too late for that. XXXX also stated were going to take t to court and charge u court fees and take everything you have. then XXXX hung up the phone. called back and got voicemail for 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 01-05-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with UBS BANK USA (MI).
Issue: Loan servicing, payments, escrow account

Complaint: I sent XXXX principal payments to UBS Mortgage, serviced by XXXX NJ ( the mortgage servicer for my UBS Mortgage ) on XXXX XXXX, XXXX, XXXX and XXXX, 2015, totaling {$110000.00}. As of today, XXXX XXXX, 2015, they have misapplied each payment and have not accurately reflected {$76000.00} of payments. I have called and e-mailed multiple times and I have been promised that my case was escalated and would be corrected soon. I spoke to XXXX Client Service representatives today, and I asked for a supervisor. I was told that they can not connect me with a supervisor, and I could be put on hold to wait in the " queue ''. After 1 1/2 hours on hold, I hung up. There is no physical address to send a complaint to, only XXXX and XXXX as the consumer 's customer service line. I have sent multiple secure e-mails, with a standard response that they will correct the misapplied payments " as soon possible ''.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06-10-2015 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I went to XXXX XXXX XXXX on XXXX/XXXX/XXXX, I paid my co-pay during the visit. XXXX XXXX XXXX XXXX tried to use incorrect insurance information ( XXXX XXXX XXXX ), when I 've had XXXX XXXX XXXX XXXX of Texas insurance since XXXX of XXXX. 

XXXX sold/contacted CommonWealth Financial Systems, they submitted my debt/account to collections on my credit report in XXXX of XXXX. 

I contacted them stating I had insurance, they worked with XXXX to resubmit a claim to XXXX of Texas, which denied their claim stating the submission as 12 months past service date, and I was liable for {$0.00}. 

I will be submitting the explanation of benefits for the original service date, and the resubmitted XXXX from XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Diversified Consultants, Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: A collection debt is being reported on my credit report at all three credit reporting agencies that I does not belong to me. This is the second time that this debt has been reported to the credit agencies. This is also the second time that I am reporting this to CFPB. The first time was compliant number : XXXX. 

The first time the debt collections was reported by XXXX XXXX and this time it is reported by XXXX XXXX. They have changed the debt amount by {$1.00} apparently to get around the requirement that this is not the same debt. The debt belongs to : XXXX XXXX, XXXX XXXX XXXX XXXX MD XXXX My name is : XXXX XXXX, not XXXX, and I have never lived at the address in XXXX. I do not have any money due payment to XXXX, nor have you or anyone else contacted me regarding this overdue account. 

I have previously contacted XXXX about the debt and they responded through you saying they needed more information to identify me. The contact email address they provided was incorrect. I have already provided in the compliant sufficient information to identify who I am and my credit report. There is only one collection account in my entire credit report and that is from XXXX. Therefore, it should be obvious which collection account is incorrect. Also, the collection account records from XXXX are for someone with a different name and address to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NV).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I am having a very hard time with the following XXXX XXXX ACCOUNT XXXX, reporting incorrectly on my credit report. This erroneous line item is causing a DRASTIC reduction in my score unfairly. 

I have called XXXX XXXX numerous times, and they keep telling me that they do agree I paid the account in Full by XX/XX/2017. Then they say that same day it went to Charge Off Status. Why would it go to charge off, after I paid the balance to ZERO? this is causing it to incorrectly report as a paid charge off, depsite them admitting I paid the bill entirely, on time. Then they say they will open an internal dispute, and nothing ever happens. I want this line item to read, never late, paid as agreed. This should not be a charge off in any way. I try to dispute it with the credit bureaus, However they are failing to take action on the line item and either remove it, or edit it to show paid as agreed. In summary I was NEVER LATE on this account, and I paid it in full. If XXXX XXXX wants to close the account at their discretion - FINE, but that does not have ANYTHING to do with false reporting. 

Please see the following facts 1 XXXX XXXX XXXX XXXX continues to say {$340.00} was charged off. However that is false. I included my bank statements to show when payments were debited from my account. They will now admit by phone I DID pay the balance in full at XXXX PM on XX/XX/XXXX. At this time when I called to make the payment, NOTHING was mentioned about a chargeoff or account closure. 

2 ) XXXX XXXX XXXX WAS NEVER CHARGED OFF, it was paid in full on XX/XX/XXXX. How can you charge off {$0.00}? Please, I kindly ask you to review the payment information below. Its reporting wrong and causing me denial in credit unfairly.. 

3 ) They even report FP = Failure to Pay. How can this OBVIOUS mistake continue to report. There is an FP reporting for XXXX and XXXX, but CLEARLY, you can see a payment was made in both of those months. Attached below is my bank statement showing the payments. Furthermore how can it be an FP, if the balance is {$0.00}?! There was a balance in XXXX, if I failed to pay, then HOW DID THE BALANCE GET TO {$0.00} XXXX XXXX Account # XXXX was never charged off. It was paid satisfactorily with {$0.00} balance, BEFORE chargeoff I kindly ask if you can please change the status to correct it, and show as CLOSED/PAID SATISFATORILY or PAID AS AGREED, CLOSED or PAID/CLOSED ( or something like that? ). The chargeoff is ERRONEOUS, and hurting my score unfairly. 

I appreciate your help.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have been disputing information in my credit file with Experian and they fail to update and remove old information in my file. FACTA and FCRA state that negative information may only be listed for a period of 7 years. All information that is negative is to be removed or deleted after that time. There are items in my file that are older than 7 years. According to FACTA and FCRA 7 years is from the first reported delinquency date. There are items from 2009 still being reported on my file. I am given the run around with Experian. I dispute via snail mail and am sent letters stating that my inquiry is suspicious and I have to dispute online, I dispute on line and never receive anything via email or snail mail, when I log back on line its simply updated investigation closed. Pretty much Experian is not doing anything other than giving me the run around. I have informed Experian that I have contacted my states Office of Attorney General and they statute of limitation has expired, also the legal reporting period to be in my file has also expired and the information must be removed. Experian is in violation of FCRA

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 01-05-2018 about Mortgage (Conventional home mortgage) with KONDAUR CAPITAL CORPORATION (NJ).
Issue: Struggling to pay mortgage

Complaint: in XX/XX/2007 both my wife and I lost our jobs at the same time. We had a mortgage with XXXX XXXX, who sold it to a company in California, XXXX. We hired a lawyer ( XXXX ) to mitigate for us, and paid him {$2000.00}. All he did was send some letters to the XXXX, He the n advised us, that this friend of his was interested in looking at our house. A gentleman showed up at our house, and said that he already purchased our mortgage from XXXX and, said that he was willing to make us pay interest only payments with a 7 % interest rate. being in that situation and fearing to be homeless we agreed. this gentleman kept on promising if we can get someone to refinance he would do it. meanwhile House prices declined and this gentleman wanted to much money for the property. No one would lend us for the price he was asking. At his mortgage rate we were falling further behind, Plus I was laid off again, and Hired another lawyer ( XXXX ) to see what he can do. After taking a partial payment of {$500.00} this man was impossible to get a hold of. We just gave up on him. The gentleman who purchased our mortgage filed for a foreclosure and we hired XXXX XXXX XXXX XXXX of New York and paid then {$3500.00} ( a great sacrifice on our part ). This law firm advised me to start a Bankruptcy claim to stop the sheriff sale, but offered no help doing it but said that the clerks at the bankruptcy court would help. I did my best and when I went back to the bankruptcy court the secretary said that the paperwork was good and I should wait for a court date. one week later a received a letter from the court with my court date listed. A week before my court date, I called the bankruptcy court again to see what I should bring with me. It was then that I found out that my case was dismissed because of missing documents and was also told that the lawyers of XXXX XXXX XXXX was already informed and that it went on a sheriff sale and my deed was now under XXXX XXXX XXXX and I lost my house. I meanwhile was never informed and did not know anything until I made that call. Know my fate rest under this XXXX who have already threatened to send the sheriff to remove me from the property. We are still trying to work with this XXXX to see if we can come to some sort of agreement, But thanks to the bad advice of the lawyers and law firm it is doubt full. I served this great country for 10 years in the XXXX and was willing to lay my life down if needed. Always paid my taxes and tried to be as honest as I could. So many promises out there to help, but all scams ( all set up to help people with good greadit only ) and no one does anything about it. This letter will probably not resolve nothing, but at least I had a chance to vent. 

Sincerely a disappointed and let down citizen of what 's called the greatest country in the world

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2015 about Mortgage (Other mortgage) with CITIZENS FINANCIAL GROUP, INC. (IL).
Issue: Loan servicing, payments, escrow account

Complaint: This is the fifth time I 've complained to the cfpb about Citizen 's Bank, my loan number XXXX. Nothing has been resolved, corrected or done and they continue to harrass me by telephone ( I filed a cease and desist letter to them via certified mail on XXXX XXXX, 2015 -- it was signed for by " XXXX XXXX '' on XXXX ). This time, they cashed my check on XXXX XXXX, 2015 and it was posted to my bank on that date -- yet I 've received XXXX phone calls on my cell phone XXXX XXXX and XXXX and XXXX at my place of business on XXXX XXXX. Not only did they have my mortgage money, they have ignored the cease and desist letter. I have been written to by XXXX XXXX, of the Office the Chairman -- her direct phone number is XXXX. She never is at her phone, never returns phone calls and sends silly letters out stating that they are " researching the matter within 15 days. '' I would like to know another agency with more strength than yours, for me to contact regarding their harrassment, oversights and just plain ignorance of the federal laws. If you direct me to engage a lawyer, please advise me first of an attorney general, federal or state, that would first listen to my complaint. These calls are causing me intense stress. I have been waiting on the phone now for a " customer service specialist '' from Citizen 's Bank for XXXX minutes and have told them that I am notifying your agency again. They have said at XXXX. XXXX time on XXXX XXXX, 2015 that they are " escalating the call ''. I am asking your agency to intervene and help me before, at my age of XXXX, I suffer XXXX from the stress they are putting me under.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2016 about Debt collection (Medical) with Dynamic Recovery Solutions, LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: THE DEBT THAT IS OWED IS NOT MINE. AT THE TIME OF SERVICES THEY ARE STATING I NOT ONLY HAD INSURANCE ( MEDICAID ) BUT I WAS NOT THERE I HAVE CONTACTED THE COMPANY AND THE HOSPITAL AND THEY SAID THEY WOULD LOOK INTO IT AND I ASKED FOR PROOF THAT THE SERVICES WAS MINE BY ANY PROOF A SIGNATURE OR A PHOTO ID AND THEY HAVE YET TO GIVE ME ANY PROOF

Company response to consumer: Closed with non-monetary relief