milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/16/2016 about Debt collection (Medical) with Seattle Service Bureau, Inc (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I am a victim of identity theft I have notified the Credit bureaus about this account being fraudulent I also sent a letter to National Service Bureau Inc to the address that the credit bureau had for them. They never noticed me about this fraudulent debt and just put it on my credit report. when i wrote them a letter it came back to me because the address they provided to the credit bureaus is wrong. They are knowingly and willingly reporting fraudulent information and have caused my credit score to drop.

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2015 about Credit card () with SYNCHRONY FINANCIAL (VA).
Issue: Late fee

Complaint: Synchrony Bank ( PayPal Credit ) did not post payment, then charged me a late fee of {$25.00}, so I 'm missing a total of {$50.00}. I closed the account and paid what I thought I owed. Calling the company, all I got was an automated response unit ( XXXX ),. It said to send proof of payment to XXXX FL, which I did, nothing, no response, now they tell me I owe them {$25.00} or will incur another late fee. What happened was I used my bank ( XXXX ) Bill Pay service with the account # type on the e-check. Someone then wrote their own account # on the bottom of the check. I have a copy.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/19/2016 about Credit card () with JPMORGAN CHASE & CO. (PA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I XXXX XXXX XXXX attest and affirm these facts to be true to my knowledge, I am a victim of identity theft by fraudulent conveyance. The individual known as XXXX XXXX committed the fraud while residing with me. XXXX XXXX was placed as a authorized user to purchase airline tickets fro travel from XXXX to XXXX with mutual agreement to repay the debt accrued for the emergency trip.XXXX without authorization than altered the credit card account with JP Morgan Chase to max out the card to the sum of {$12.00} XXXX without XXXX permission & opened a additional XXXX XXXX merchant card. I can verify this claim with additional documentation to be submitted to your organization and the credit reporting agencies, XXXX, XXXX, XXXX upon your request.XXXX has sent electronic correspondence via text verifying his actions & deeds with intent to repay however currently has avoided contact and evaded payment of the debt acquired. A police report has been filed with the City of Police Department XXXX # XXXX and a civil suit is being filed with the Office of Judicial Records / City of XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2017 about Debt collection (Medical debt) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint: Midland Credit Management called me three times at my workplace on XXXX XXXX, 2017 after being told during the first phone call that I 'm unallowed to take calls at  work. The second phone call, they spoke to a co-worker and left a message. The coworker told them not to call the job. And then he called a final time, requesting to speak to me and spoke to the coworker that repeated not to call. He said he was an account manager and needed to speak to me regarding my debt, and he kept harassing my coworker. She simply hung up. This was all within less than an hour and a half.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 about Mortgage (FHA mortgage) with U.S. BANCORP (FL).
Issue: Trouble during payment process

Complaint: I am a 3rd generation military war veteran whose family has served in every war of the 20th Century.
Letter from my mortgage bank ( U.S. Bank Home Mortgage Loan # XXXX ) X/XX/2017 stating that since my XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) has not responded to their request for proof of H06 Hazard Insurance Policy on my property. I tried to contact my condo association buy they never responded.
I am current on my monthly condo commando payment for10 years, so I should be respected more.
<P/>
The bank has not been sympathetic to my appeal of the decision because they are not wealthy enough. Pay up or else you get more expensive insurance added on to my monthly payment that is already comprised of Premium, Interest, and Flood Insurance.
IF I do n't pay, then I lose the property.
So, I ca n't get another loan on the property because I am an underemployed military veteran.
So, I guess I have to sell and move out to a more expensive property? Or, pay up?
<P/>
I have contacted FEMA and every government agency and representative and they are ignoring me.
Will you ignore me too?

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 07-07-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Hello, My name is XXXX XXXX XXXX and I would like to file a compliant against TransUnion for reporting a collection account to my name that has been paid through my insurance in full and no longer owed. Beginning on XX/XX/XXXX I began my dispute process with Transunion, which has been one of the most tormenting experiences of my life. Initially they processed my dispute and quickly claimed it was verified to me. Then, I began sending them requests to know how these items were verified when my insurance had covered the balances completely through XXXX XXXX on XX/XX/XXXX. This Item was placed in collection by accident and was never overdue or owed. Transunion only claimed that they would no longer process any more disputes or letters from me on the matter and quickly shut me down with no evidence of an investigation, no results regarding how the invalid collection was verified and no answers on who verified it and when. The collection agency refuses to speak to me and they have, on numerous occasions, hung up the telephone while I was speaking and questioning their debt claims against me. I have also filed CFPB complaints against the collection company, XXXX XXXX in XXXX California, for illegally and fraudulently reporting onto my credit file with Transunion. Under FCRA guidelines I understand that as a consumer I have rights to dispute inaccurate and invalid items as needed and that my credit file must be reported with 100 % accuracy ; and this is absolutely in violation of that.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (KY).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: couple years ago I went online to view options for student loans. I ran across sallie mae as an option. I went to website to view options. I have never actually took out a loan with company and never received any funds from company. They started harassing me daily and took money from my taxes and now my finical aid is on default while I am trying to further my education. may you please help me so that I can start school and get these scammers off my back! thanks

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Payday loan, title loan, or personal loan (Installment loan) with ACIMA CREDIT, LLC (MD).
Issue: Problem when making payments

Complaint: On XX/XX/XXXX I did a in store finance with XXXX XXXX of XXXX financed through acima. I went to pick furniture up XX/XX/XXXX from store where I purchased my own personal XXXX   ( {$120.00} ) and got home and realized 3 main pieces of the bed where missing. I reached out to the store and they told me it would b at least 2 weeks to locate the peices. I then asked for a product reduction in cost or for them to deliver the missing peices and was denied. I then spoke with the financial company acima and after they could not get in contact with the furniture store and they had no resolution the supervisor told me I would not b charged for the furniture that I never 100 % received .i waited a additional 2 1/2 weeks spoke briefly in XXXX and still no resolution was found. I told them I didnt want to go Thur with the purchase and the supervisor ensured me that the furniture store would b held accountable for the furniture. XX/XX/XXXX I discarded the furniture not hearing anything else from either establishment and Now XX/XX/XXXX acima is trying to charge me for the Little peices I did throw out after I was instructed that I would not be charged. I spoke with XXXX from customer relations and I even asked her what would she do in this matter and she told me she as well would have done the same thing. It was 3 months until the peices arrived at the furniture store and the old peices had literally been sitting n my home well over 2 months which is rediculious. I even went the the XXXX to fix this situation and they would not respond as well after attempting.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2015 about Debt collection (Payday loan) with GVA Holdings, LLC (IN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They found my number from somewhere, and they constantly call making threats that they will show up at my work on XXXX XXXX or at my home. This can not be legal. Then they state I have been notified and just hang up before I can even say anything. I am disputing and I told them that. Yet, they still call and make threats to show up at my work or home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 07-08-2015 about Debt collection (Medical) with ProCollect, Inc (TX).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: XXXX XXXX yelled and was verbally abusive to me on the phone, which was a call that I initiated for the simple purpose of finding out the origins of this collections account that I was not familiar with. He called me a liar when i stated that this was the first I 've heard of this account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Debt collection (Medical debt) with TENET HEALTHCARE CORPORATION (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Central Financial Control XXXX Syndicated Office Systems is reporting a debt to XXXX XXXX XXXX XXXX.It shows on my reports as account number XXXX. The collector is collecting for XXXX XXXX XXXX where I had XXXX XXXX some time ago.I am a XXXX XXXX XXXX VETERAN with full medical benefits.While we are supposed to go to a VA facility for healthcare normally, if we have an XXXX we can go anywhere.I thought I was having a XXXX XXXX with all of the symptoms of one. I was on the phone to VA staff explaining my situation, they told me to call XXXX.An ambulance was called and transported me to XXXX.When treated I provided information that I had full VA medical benefits.This erroneous bill and debt should not exist.You must delete this account according to law as the responsibility for payment was the federal government.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: XXXX XXXX has an a collection entry on my account that should be immediately removed. I have no contract with XXXX XXXX and they never had the right or authority to even collect from me. I told them to provide me with proof of any documentation on behalf of who they were collecting for and the reason why. I also asked them to provide me with the documented Bill of Sale giving them the right to collect on the original creditors behalf.They never provided me with ANY  documentation whatsoever. Then on top of that i didnt even know them. The original creditor was already paid to begin with so XXXX  XXXX had started sending me {$0.00} balance letters. My confusion lays with why would they keep sending me {$0.00} balance letters and calling that " Verification ''. Sending me a {$0.00} balance letter is not verification at all. Who 's verifying what? Where is the certified and signed bill of sale like i asked for? Where is the agreement that allows you to collect on behalf of the original creditor? Literally that keep sending me this Non Verifiable {$0.00} balance letter and thats not what I asked for. I NEVER even paid XXXX XXXX a dime because I knew I didnt owe them! Thats why they changed the balance to {$0.00} because I never even owed them. I had spoken to someone there and told them that there must 've been a mistake. One person told me they would remove it off all three credit reports, which sounded good. Then the later on told me they would not remove it even though I NEVER owed them a dime. I will not tolerate being treated this way and my lawyer will be contacting XXXX XXXX. They will either provide me signed contractual agreements which include the bill of sale from my original creditor to them, and also including my original contract with the original creditor or they will IMMEDIATELY remove this from my report. If they do not then litigation will proceed forward. I will not tolerate constantly being sent these single balance letters when my debt was never even established or verified by your company. and documentation of the verification was never given to me. You all never even sent me any form of agreement.

Also I XXXX XXXX told me they would investigate and get back to me about this and this was OVER 30 days ago. Which means they have passed the timeframe necessary to produce proper documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/27/2017 about Mortgage (Reverse mortgage) with Finance of America Reverse LLC (IN).
Issue: Loan modification,collection,foreclosure

Complaint: Finance of America sent a certified letter of the Estate of my Mother. XXXX XXXX XXXX. I am unable to obtain the letter because it requires a POA which I do not have and can not get because my mother is dead. I need the letter sent to me uncertified so I can respond.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with NCC Business Services, Inc. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Collection agency ( NCC Business Services ) is actively reporting on my credit report a false debt, on behalf of a realty company ( XXXX XXXX XXXX XXXX ) that was used by my former landlord. Even after several attempts to resolve this issue, including letter from realty signed with balance due was {$560.00} ( before my payments of {$730.00} ), proof of deposit paid, original rental agreement ; they insist that client is firm on debt of {$6600.00} which included repairs charges never done to the house for {$4300.00} ( the house was not damage at all ), security deposit of XXXX ( they said I did not paid ) XXXX is trying to collect on a debt without a judgment and the property is not managed by them on the present time. They are aware of this but they still reporting to the credit bureau actively damaging my credit. 
XXXX XXXX has XXXX reviews that shows that I am not the only victim of this company practice.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2016 about Debt collection (Credit card) with URS Holding, LLC (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: United Recovery. This company calls my work number, my home, my cell, and various relatives constantly and repeatedly. I dealt with this company several years ago and they lied to me and told me that I was already being sued but if I agreed to a payment at that time the suit would be dropped. That was a lie. Now I am dealing with this company again and the calls are constant. I ca n't believe a word they would say after the last time. 
In addition, they recently called my sister in law and told them they were a debt collector looking to collect a debt, and could she give contact information or pass that on. I was under the impression they are not permitted to disclose that information to a 3rd party.

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2015 about Debt collection (Medical) with Northeast Collection Bureau (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Have been getting call from NORTHEAST COLLECTION BUREAU claiming that I owe {$650.00} to XXXX XXXX XXXX ( NJ ) where I lived before ( 9 Years Back ). I have repeatedly asking them to send the details of bill and they ask me to contact the XXXX XXXX XXXX directly, giving me the reference number XXXX. I contacted them but they could not trace the details. Today they have threatened me for legal action, if I do not settle the bill. I have paid a settled amount of {$470.00}. I am not able to verify the credibility of this debt company and not sure if these charges are valid

Company response to consumer: Untimely response
Consumer complaint received 11/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: We have an extensive number of reports all associated with our problem and situation stemming back 10 months or more. It has handicapped our ability to borrow severely creating financial difficulties. There are two very distinct issues in complaining about the credit reporting- A ] All three agencies- although advised were in sync with, our information they re NOT as witnessed by new complaints [ XXXX XXXX . ] B ] There are other unknown credit reporting agencies feeding information to potential creditors that have incorrect data. How are we to repot and correct them? Previously we identified one and reported but our understanding is there are OTHERS! The complaint is the total lack of concern by your agency to PROTECT consumers from this abuse? We have been rejected in the past week from close to 10-12 lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have disputed multiple items of terms and balance information and actions taken to correct. 
they have yet to correct the information. 
I have disputed payment information accuracy directly with the merchant, card issuer or origination loan company. they were informed and have not corrected. 
In addition items that should be removed due to age have not!

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 12/31/2016 about Credit card () with CITIBANK, N.A. (CO).
Issue: Advertising and marketing

Complaint: CitiCards sent me an offer in the mail for an XXXX XXXX credit card with a promise of XXXX bonus miles if I signed up for the card. I applied for the card online as instructed and was approved and received the card. After meeting the minimum purchase requirements I still had n't received my bonus miles so I called and asked why. I was told that because I had had a similar card in the last 24 months that I was n't eligible for the miles. If this was the case then why did CitiBank send me the offer in the first place? When I applied online why did n't the system tell me that I was n't eligible? I would n't have taken the card without the bonus miles. This seems like a scam 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 non-monetary relief
Consumer complaint received 10/14/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (SC).
Issue: Deposits and withdrawals

Complaint: I have Had an business account with Bank of America for just about and year now. 
XX/XX/2016 around XX/XX/XXXX - XX/XX/XXXX My account was a target of Fraud. 
With that being said, they did follow threw with making the claim.But, On the date of XXXX/XXXX/2016 Bank of America did and unauthorized with draw from My account in the amount of $ -XXXX as well as $ -XXXX. 
for a total of XXXX. Dur-ring this time I was in the process of moving my funds to another bank because this was the 2nd time this has happen to my account. Bank of America could n't provide reason as to why this happened to my account. On top of all of this slapped me with an XXXX overdraft fee and the rest of the amount that was over drawn from the account. as you take a look at the amount you may see it had and small amount but it my small amount and it was taken from me with out an lettered statement telling me the process date the amount and a reason why. I had to wake up and text message an Email tell me my account has been overdrawn. Bank of America rep stated to me after ( we dont have to sent statement out to you it our account, ( " Yea, But its My money!! '' ) An I would like it all place back on my account. I would consider it stolen as we speak. ( NONE, of Bank of America starter account paper work stated " we dont have to sent statement out to you if we take money out your account. ) I only speak/s of and overdraft fee. with this in mind, I would like the rest of the funds, that was taken out My account sent to me in a check. Its Only right!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Problem with fraud alerts or security freezes

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. 

Going forward Equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.

Company response to consumer: Closed with explanation