milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-11-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (CA).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: Respected Sir, I Vacated an Apartment in XXXX and while I was staying there on Notice period, no one came for Inspection on premise. When I vacated I got a huge bill of XXXX PLUS XXXX, Stating proper notice was not given and lease was broken. But when I reminded about my submission of my employer letter, they then reduced the amount. 
Then again in the new bill, they mentioned they replaced kitchen counter top and charged me, which was fine when I left.Then I asked for proof like photo, which was not sent. Then National credit system called me as a collector for debt and I mailed XXXX that I DISPUTE claim, still they went ahead with collection agency. Collection agency mentioned if out of XXXX, I owe I pay XXXX ( minus countertop ) they will not report to credit beaureu and I paid that. Inspite of that, now when went with home purchase, to my surprise, because of remark from National Credit system my loan was rejected to low credit score.I called national credit system then told If I pay remaining another XXXX USD to settle in full they will remove it. Still now I can see a statement saying Settled less than full amount in Credit score. National credit also issued me a letter that I owe nothing. Still it is appearing on credit report. I have been a law obeying and good person, but such incident has left me shattered. Please help me, when I have Disputed the claim, how was this handed over to National Credit system. Why did national credit system say that once I pay for amount minus Countertop replacement which was a dispute, they will not put in credit report and still went ahead and put that. Also now also they are not removing it from my credit report affecting my home purchase and interest rates. Also XXXX reduced the final bill XXXX accepting that original bill was incorrect so is this not means to extort money, if they is no resistance. I have full faith in truthfulness and American Justice so please help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (IA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have attempted to make payments and as of the last time I spoke with the XXXX XXXX customer service in XX/XX/XXXX my accounts were paid and in good standing. When I would log into my XXXX / Synchrony Account card online it reflected a minimum payment that was due in XX/XX/XXXX but did not reflect any other issues or delinquency with the account. Then one morning I woke and my credit dropped 90+ points and stated my XXXX/Synchrony Financial Card was past due - so I logged in online and again it reflected a current account. However, I paid an amount to determine if it would move out the due date, it did. I made a payment and it reflected a due date of XX/XX/XXXX.  When I attempted to contact their collections and customer service department they just kept arguing with me and telling me this is collections and my account is current - then they advised they haven't rec 'd a payment from me for months. I advised them to check their contact records because I called and set up payments with them and have not heard from them until I noticed my credit was impacted and paid right away. They co n't to try to transfer me, talk over me, argue with me and ended by just keeping me on hold.

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 11-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I found wrong personal information in my annual credit report, they are : one wrong telephone number and 4 wrong addresses under my personal information Tel # XXXX Address 1 : XXXX XXXX XXXX. XXXX XXXX XXXX , MO XXXX Address2 : XXXX XXXX XXXX XXXX , WV XXXX Address 3 : XXXX XXXX XXXX XXXX XXXX , AR XXXX Address 4 : XXXX XXXX XXXX XXXX , 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 non-monetary relief
Consumer complaint received 11-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AZ).
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: After months of requests to XXXX XXXX, they still have not provided any validation that the account is mine. More importantly, that I should pay THEM. I have requested simply validation for months, but all they said was it 's verified. And with that, I inquired as to how they verified it, with whom, and they never provided any documentation to show verification/validation.

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 06-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Fidelity National Information Services, Inc. (FNIS) (CA).
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 have filed numerous complaints with chexsystems pertaining to what is on my report. They keep saying I am filing frivolous disputes but will not provide me with the documentation as to what they did to verify the validity of the report.

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 03-03-2016 about Debt collection (Auto) with DriveTime (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: One day past due and they will call every 2 hours.

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 01/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Diversified Consultants, Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My account was closed onXX/XX/XXXX. On XX/XX/XXXX my girlfriend attempted to open a XXXX XXXX XXXX account and the rep stated that she had to pay a past due amount owed by me at our address because of a roommate policy. 

So she paid the past due amount of approx. {$190.00} owed by me on XX/XX/XXXX. Thus satisfying my debt. 

I then noticed in subsequent months that my credit report reflected this balance that I had with XXXX XXXX XXXX was not resolved. I have made several attempts to resolve this with both the XXXX XXXX XXXX XXXX and their Debt Collection Company Diversified Consultants. 

One of my calls was on XX/XX/XXXX I did not receive any resolution at that time. I placed another call was on XX/XX/XXXX at which time I was given a ticket number and told that in 5 business days it would be resolved and that I would receive a confirmation letter in the mail. I did not receive any letter about this nor any resolution. There was a 3rd call that I also placed which I was also given yet another ticket number and no resolution. 

Today I have called for the 4th time almost 2 years from the start and they simply generated another ticket number to string me along the same process yet again. 

They have damaged my credit for the past 2 years making it difficult for me to obtain credit from lenders, by continuously reporting an account in collections that is still outstanding at {$190.00} under the name Diversified Consultants. 

I have been sent back and forth between XXXX XXXX and Diversified Consultants who both say they do n't have the account and point to each other for me to get answers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-09-2017 about Debt collection (Credit card debt) with Hunt & Henriques (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: Hunt and Enriques harassed me with threats of a lawsuit from a debt from 2014. They even coerced me into sending them a " payment. '' It was n't until I sent in a response to the court to fight the lawsuit that they finally stopped the letters threatening to sue. Over the course of 2 weeks, they sent someone daily to attempt to " serve '' me, but I was never at home, but my wife was. This guy would sit outside our house for hours waiting for someone to come in and out, my wife was really scared and felt threatened. I have all the proof of the letters and all the work I had to put in at the court to file a response with the court after multiple attempts and months of work to do it.

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CA).
Issue: Application, originator, mortgage broker

Complaint: Dear CFPB, I have applied for a loan modification ( loan # XXXX Nation star mortgage after pre approved by XXXX - Document Services- XXXX. But nation star mortgage continue to reject my loan modification even with an increase of income. They continue to use old income from 3 years ago instead of my current income info. After I have complain about this a few times, they asked me to resubmitted my loan package again and again but they continue to use the old income info from years ago. 
I strongly feel that Nation star mortgage is refusing to give me a loan modification because of my XXXX marriage or my religion or race. Because according to XXXX, i am qualified to get a loan modification but nation star mortgage continue to use old incorrect income info to disqualified me and continue to send me letters in the mail asking me to sign my property over to them as my only option. 
Please forward my complaint to the right department so that this matter can be investigated properly. 
Very frustrated by their ill treatment. 
SincerelyXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2015 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I RECEIVED A CALL TODAY FROM SOME SCAM COMPANY CALLED XXXX AT MY XXXX TELLING ME ABOUT MY BAD CREDIT AND HOW TO FIX IT. I WITH DISGUST TOLD THE POOR ENGLISH SPEAKING FEMALE THAT I WAS A XXXX AND WAS BUSY AND HUNG UP ON HER! I DO NOT APPREICATE THESE CORRUPT CREDIT REPORTING AGENCIES OF EXPERIAN AND XXXX ( WHO REFUSED TO UPDATE MY FILE WITH A LEGAL NAME CHANGE AS OF XXXX 2014 ) AND XXXX SHARING MY FINANCIAL DEMISE WITH CROOKS LIKE THIS CREDIT REPAIR CENTER AS I CAN ONLY PRESUME THAT THIS " BAD CREDIT '' OF MINE WAS ONLY REVEALED BY ONE OR ALL THREE AGENCIES! FURTHERMORE, I BELIEVE THESE TACTICS USED BY BANKS AND EVEN CERTAIN EMPLOYERS OF CHECKING ONE 'S SCORE ARE ONLY ANOTHER EXAMPLE OF HOW FAR THIS NATION OF DEBILITATING RACISM HAS TO GO TO IMPROVE THE PSCHOLOGICAL, PHYSICAL/EMOTIONAL AND ECONOMIC WELL BEING OF XXXX! I HAVE A XXXX IN THE FORM OF A XXXX AND EVEN HAVING A SEPARATE SMALL BUSINESS CHECKING ACCOUNT WITH A DISTICNT AND SEPARATE EIN NUMBER IS NOT ENOUGH TO HELP MY PRACTICE AND RACIST BANKS INSIST ON USING THAT PRISON/SLAVE NUMBER ( SOCIAL SECRUITY NUMBER ) WHICH I WISHED I NEVER APPLIED FOR! ALL IT HAS BEEN IS A SOURCE OF MISERY AND IMPRISONMENT IN POVERTY AND EVEN USING IT TO APPLY FOR XXXX BENEFITS DUE TO THE YEARS OF GOING WITHOUT XXXX MEDICAL TREATMENT OF CERTAIN DISEASES HAS NOT BENEFITED ME WHEN I NEED IT TO! I AM SICK OF BEING TREATED AS JUST A PRSION NUMBER AND NOT AN INDIVIDUAL WHO TOOK THE TIME TO GRADUATE FROM COLLEGE WHICH ONLY MADE ME POORER WITH THOSE HIGH INTEREST STUDENT LOANS AND THEN ON TO XXXX SCHOOL WHICH MADE MATTERS WORSE! I KNOW I WILL NEVER GET A DECENT POSITION SUCH AS WITH THE XXXX WHERE I CAN GET SUSTAINABLE INCOME RATHER THAN BEHOLDING TO THE CRROUPT MEDICAL PAYERS OF MEDICARE AND MEDICAID OR EVEN AT LEAST EXTENDED CAPITAL IN THE FORM OF PRODUCTS LIKE CREDIT LINES OR LOANS AS LONG AS I AM XXXX IN THIS NATIO AND THAT SOCIAL SECUIRTY NUMBER IS USED AGAINST ME INCLUDING GETTING MY XXXX BENEFITS I AM ENTITLED TO! I WANT THESE BEINGS TO STOP USING MY CREDITS SCORES AGAINST ME ESPECIALLY IN SITUATIONS WHERE I AM NOT EVEN REQUESTING A LOAN OR OTHER FINANCIAL ASSISTANCE! 

SINCERELY DISGUSTED, XXXX XXXX, XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2016 about Debt collection (Medical) with URS Holding, LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX XXXX has badgered my client about a debt was that incurred over 8 years ago and that was paid and that has been barred by the statute of limitations for over four yearsXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2016 about Debt collection (Mortgage) with National Credit Systems,Inc. (MO).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: While working in XXXX several years ago I stayed at an apartment complex called " XXXX ''. After fulfilling my lease obligations, I moved back to my home in XXXX were my family stayed during this two year long work assignment. I paid my last lease payment in full, professionally cleaned the apartment and did not think anything else was owed. A month later I went to the apartment complex and turned in my gate pass which I accidentally took with me and took to the day manager, we were friends. At that time there was no information shared on any money owed from my lease and I did n't expect there would be any. I received regular email correspondence from the XXXX complex about social activities and nothing about money owed. Over a year later I started getting collection attempts from National Credits Systems over {$210.00} owed from XXXX XXXX. I called XXXX to find out what was going on but apparently the apartment complex was sold to XXXX XXXX in XXXX and while they had a statement showing {$210.00} was never paid, nobody could answer what some of the charges were far. Nobody was able to help me since they sent the balance due to National Credit Systems. At one point when I was speaking with the collection agency, I identified some items that I may have paid if had known about it but other charges were still not identifiable. I told NCS that I would agree to pay this amount if they would remove the negative remark from my credit score but the agent said she could not. Known of this was my fault yet my credit is penalized for a mistake that the apartment complex made and then correcting this is impossible because it was sold to a residential management business. A consumer should never have to pay for something that they do not owe and to be penalized for this {$210.00} does more to protect business than protect consumers. The burden of proof that all attempts to contact the consumer who is alleged to have not paid for something owed should be on the business. I was not called nor did I get any communication on the amount owed in my email account. I did not leave a forwarding address because I did not want " junk '' mail to follow me home. Too much already. How do I get National Credit Systems to remove this record from my account.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Contact the credit agency to dispute inquiries that were made with my knowledge, after there investigation they conclude the information was correct. I contact the individual companies I never heard back from them regarding the matter. I have attached a pdf of the document the was sent to Transunion XX/XX/2015.

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 09/14/2015 about Debt collection (Medical) with Michael Harrison, Attorney at Law (NJ).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I contacted this attorney over a year ago when I saw a collection on my credit report and made a good faith payment of {$25.00} and asked them to send me the information regarding the debt. They never sent me any documents. Months passed and still nothing. I again called and made another good faith payment of {$50.00}. on their website and requested the documents pertaining to this debt. I received nothing again. I contacted them and they said that the payment I made the XXXX time was for a different charge. I told them I have no idea what theyre talking about and I never received any documentation. I asked them again to send me the charges pertaining to these debts. I received nothing. A few weeks ago, I received a letter from the court stating that they were levying my account for a debt. I was never given any proper notice. I contacted them about this debt for what I found out was for XXXX XXXX and told them that this should have been paid by my insurance company but I will make monthly payments of {$50.00} a month. The gentleman on the phone mocked me and called my names. He kept talking over me and I could n't communicate anything. I felt diminished and he kept on with interrupting me and then saying he was finished talking to me then hung up. I am horrified at the harrasment I received today XXXX/XXXX/15 on the phone by this gentleman who will not let me make payment arrangements again without hanging up on me. Please help me as I can not communicate with this collection agency without being verbally abused. 
Sincerely, 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 06/27/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TN).
Issue: Billing disputes

Complaint: I received my first statement from Capital One XXXX the day before they called me last week. The due date was XXXX XXXX, 2016. They made me pay XXXX because they said it was late. The due date was XXXX XXXX 2016. They were late mailing the statement out then. I paid the XXXX late fee but if I do n't receive a statement then how do I know it is late then? I can not read their minds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: Multiple attempts to request action to prove and or remove delinquency to no avail

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2017 about Debt collection (Credit card) with Global Credit & Collection Corporation (VA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Last year, I ran into financial difficulty and was unable to continue to pay my credit card payment to XXXX. I was in the process of consolidating my debt, but the consolidation loan was taking an incredibly long time. I called XXXX numerous times and updated them, but failed to put that information into writing. By late XXXX, 2016, the debt consolidation loan settled and a check for {$33000.00} was issued to XXXX. The last account statement I received from XXXX ( see attached ) did not reflect that {$33000.00} payment. I never received another statement from XXXX. XXXX apparently sent my account to their collections group. I have received numerous " settlement offers '' from the collections group, but have been unable to establish how much I really owe XXXX, despite XXXX letters to them earlier this year ( see attached ) requesting that information. I know I owe them something, but I just do n't know how much. I would like to settle this account once and for all. The collections group says I owe {$2000.00} more than I think I owe them and I do not understand how they came up with this amount.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I filed for either Chapter XXXX, XXXX, or XXXX in 2011. I ca n't remember exactly which XXXX. However, I cancelled and the case was dismissed. I notice that it was on my credit reporting that I had filed for Bankruptcy. I called the credit reporting bureaus and was told to contact the Bankruptcy Department. I did and Bankruptcy stated they had nothing to do with what was on my credit report because they did not put it there and for me to call the credit bureau back, but they would send me a letter stating that the case was dismissed. 
XXXX and XXXX removed the Bankruptcy. TransUnion stated for me to fax/send the letter to them a again and they would remove it. I mailed the letter because their fax stayed busy. TransUnion received the paper work and now they are saying they ca n't remove it because whoever put it on there has to remove it. I told them THEY put it on there. I am requesting that TransUnion remove this from my Credit File. 
Thank You Very Much!!!

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 09-02-2016 about Debt collection (I do not know) with Finance System of Richmond, Inc. (KY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX keeps calling and leaving messages on my cell phone, I only use my cell phone for friends and family and do not give it out to creditors or retailers. I give my land line number to creditors and retailers to avoid cell phone charges.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2017 about Debt collection (Auto) with Velocity Portfolio Group (VA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I received a letter dated XX/XX/XXXX from XXXX in XXXX, MD who is attempting to collect a debt that I was already sued for by Velocity Investments , LLC in XXXX, NJ and the case judgement was Non-suit back on XX/XX/XXXX.

Company response to consumer: Closed with explanation