milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-08-2015 about Debt collection (I do not know) with GRYPHON CORP. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: After reviewing my credit report, I came to realize that a debt was being reported twice by XXXX different companies, XXXX and Mainstreet Acquisitions. Original creditor is XXXX and that account 's date of first delinquency is XX/XX/XXXX. Mainstreet is not accurately reporting the date of first delinquency on my credit report and has the date opened as XX/XX/XXXX but is showing the collection as being reported XX/XX/XXXX. 

In conjunction with that, Mainstreet is reporting that my terms with them is " Terms : XXXX months '' on a paid, closed account despite me not having any signed contractual repayment terms with this company. This violates FDCPA 15 USC 1692e ( 2 ) ( A ) by falsely characterizing the account as " Terms : 1 Month '' on my credit reports. 

On my XXXX report, this collection is being reported as open. With respect to the " Type Of Account : Open Account '' notation on my XXXX report : I do not have any known type of agreement or contract in writing or otherwise with Mainstreet Acquisitions that creates or procures any type of " Open Account ''. A revolving line of credit is known as an " Open-ended account where there is a possibility on continuing transactions '', and being that this is a collection account, there can be no " open-ended '' account terms. Mainstreet Acquisitions violates FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) for knowingly reporting inaccurate information to a consumer reporting agency " Type Of Account : Open Account '' on my XXXX credit report. 

Mainstreet Acquisitions violates FDCPA 15 USC 1692e ( 8 ) by communicating credit information which is known or which should be known to be false, by reporting the account as " Type Of Account : Open Account '' on my XXXX credit report. 

I sent a letter to Mainstreet Acquisitions on XX/XX/XXXX requesting that the paid collection be removed from my credit reports with XXXX, XXXX, and XXXX, but have never received a reply despite including my address, phone number, and email address. 
Also, I recently changed my name to XXXX XXXX after getting married but my credit reports with the incorrect information will show XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Someone unbeknownst to me submitted an application for a Capital One card. Evidently it was sent out, although it was not received by me, and someone used it. I reported the fraud as soon as I received information that the card was issued and in use and told them to cancel the card immediately. Unfortunately they did not, claiming that someone called afterwards claiming to be me and they kept the card open, permitting someone to charge an additional {$700.00}, and after a XXXX call, the card was closed. However, Capital One decided that I am responsible even though I repeatedly told them that I did not request, receive or use the card. Calls were not returned, dunning calls are constant, and they keep sending statements. I contacted an attorney who sent a letter, and they completely ignored it, admitting that they have no application proving I requested the card, yet keep insisting that I pay the balance that keeps increasing each month. I have placed a complaint with the FTC as well, but they said that they do n't do anything for me. My phone number has been spoofed and seems to be used for robocalls as well as trying to get credit cards ( Capital One states that they know that the calls came from our home phone even though they ca n't send me proof, and even if they had it what would it prove since I have put in complaints to XXXX? ). XXXX had called prior to Capital One asking if I had requested a card or was it fraud - not sure why, but I told them that I did not ask for nor did I want a XXXX XXXX, and none was issued. Please understand that I have XXXX and ask my wife to take care of all matters pertaining to this. I do not go shopping and can no longer XXXX. I have enough health issues without this being added on top of everything else.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Transunion is reporting a misspelling of my name. They are also reporting that I am unemployed. I am employed full time. 

XXXX is reporting an address that I have never lived at. They are also listing me as being unemployed. I am employed full time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/24/2018 about Checking or savings account (Savings account) with PNC Bank N.A. (NJ).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: PNC Bank XXXX XXXX XXXX XXXX XXXX Kentucky XXXX. 

I received a letter from PNC Bank dated XX/XX/2018 advising me PNC Bank will be closing my personal and business accounts XX/XX/2018. I called the number on the letter XXXX to find out the reason several times and they would only tell me it is their right to close any account they want at any time. One representative hanged up on me after I ask her to let me talk with the manager. 
I am permanent disable and live on a fix income below the 1 % poverty level and need to have a checking account to pay my bills with checks or debit card. 

Primary account number : XXXX, XXXX, XXXX & XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (LA).
Issue: Loan servicing, payments, escrow account

Complaint: I paid off my house on XXXX XXXX and received a payoff quote form Ditech and I have been having issues receiving a payoff letter form Ditech. I can not get in touch with anyone but costumer service and keep getting delays form them. 
I will attached documents of proof of payoff.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2016 about Debt collection (Mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have vehemently contested the wrongful foreclosure of my home by Bank of America since XXXX 2012. Notwithstanding, the lawsuit I filed on XXXX XXXX, 2012 is currently pending in the XXXX XXXX XXXX XXXX XXXX. 

I have filed complaints with the CFPB, HUD Inspector General, and the Courts. 

However, while the lawsuit is pending, Bank of America has transferred the servicing of a XXXX balance loan to XXXX to collect. 

Bank of America has never tried to collect any debt from me after the foreclosure sale of the property on XXXX XXXX, 2012. 


I 've attached documents to substantiate my claims.

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 07/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with UNIVERSAL ACCEPTANCE CORPORATION (NE) (MO).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: i have went through the BBB to get through this issue with universal acceptance. This battle has gone on for years I have asked over a dozen times that this company validate this debt in return they refuse to do so by asking me to provide them with information to validate the debt. I am aware of the laws that protect me and those that protect companies. The refusal to validate this debt is very bothersome. I am hoping to get this issue resolved in a timely manner for it has held me back many years thus far!

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 08/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (AL).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: I attempted to close my Best Buy XXXX card in late XX/XX/XXXX/early XX/XX/XXXX, when the card was paid off in full. There was a zero dollar balance on my card, and I closed it using the automated system offered by Citibank ( holder of the card ). I was hesitant to use the automated system, so I immediately called back and got a Customer Service Rep to confirm that the account was, indeed, closed. Confirmed. Closed. 

However, the company continues to email me " statements '' with the last 4 digits of the account number and my zero dollar balance info. I have called the company numerous times to verify that the account is closed, and each time they tell me yes, the account is closed. When I ask why they are still sending me emails with my " Best Buy XXXX Card Statement '' each month and ask them to stop sending the emails, they brush me off and tell me it takes a while for their system to update. XXXX months? 

I am concerned that anyone could still access this account, as it does not appear closed by the emails that I am getting. And since I no longer own the credit card, and I am not checking statements regularly, I am further concerned at the risk of identity theft. Why am I still getting emails from this company with my statement information if the account is closed?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2015 about Debt collection (Credit card) with RGS Financial, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX credit says I owe them money and turned it over to a collector. I do not have a XXXX credit card nor did I ever sign up for one. The debt collector they hired has been calling me and my wife every day for the past 8 months. Tired of the phone ringing! I talked to them XXXX time before and told them to stop calling me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-07-2017 about Debt collection (I do not know) with Persolve, LLC - Legal - Series 2 (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: For the first time a '' Memorandum of costs after judgment of accured interest '' dated  XX/XX/XXXX  was mailed to my old address from  Persolve LLC  case #  XXXX   XXXX  Courthouse?! It was a long time before I could find any case info because the website indicates  XXXX   XXXX  Courthouse not  XXXX . I was shocked to find out this Company filed summons  XX/XX/XXXX , got judgment in     XX/XX/XXXX .  I was never informed, called, served or anything mailed to me for 7 years!!!!   This  Company filed Writ of Execution  to  XXXX  County  XX/XX/XXXX . In  XX/XX/XXXX 7 they garnished my Bank account and took money!!!!!! I filed Claim of Exemption  XX/XX/XXXX .that was mailed to wrong address again after I gave the Sheriff correct address and phone number. I do n't know who this  Company is or owe anything to them. How can the Court o rder against me without giving me a fair chance to defend my self. I ca n't explain how violated I feel. I am  XXXX . My only income is from  XXXX . I am a   XXXX   XXXX   XXXX  . How can they do this to me? It is hard to deal with day to day suffering from my illness.   BUT THEY MANAGED TO STEAL MY MONEY. I have court on  XXXX  because Persolve filed notice of opposition to claim of exemption???? I have contacted  XXXX ,  XXXX   XXXX  and  XXXX  they have no records of any negative accounts. It is deceptive collection practices and misleading the  Court, The Judge, The Law  and myself. I need some one that will stand up for me and stop others from being unfairly taken advantage of.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2015 about Debt collection (Credit card) with CITIBANK, N.A. (CT).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: My mother ( who does not live with me and her phone # is not on my account ) keeps receiving phone calls saying they are from Macy 's and my account is past due. The # they gave to call back is XXXX. I called and they wanted my name, account # social security # and a debit card to pay my " past due '' bill. I gave them nothing, and told them I was looking at my bank statement and $ WAS debited out of my checking and I was not late. I called Macy 's directly. This # is NOT associated with Macy 's. I was told they 've had several complaints associated with this #. There are also several complaints on the internet about this #. They are not from Macy 's.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I took a starter loan out at XXXX XXXX XXXX of XXXX, Tn,XXXX this was around XX/XX/XXXX after getting the loan I fell on hard times and defaulted. Well after getting back on my feet i been trying to get my credit straight out. I received a letter from XXXX XXXX the beginning of XX/XX/XXXX offering me three options of paying off the loan I took the offer to pay them off as it was a small starter loan. So I payed them off on XX/XX/XXXX. I asked the manager when it would be off my credit and he said they reported monthly so around 2 months I said great. The other day trying to get a starter loan at another instutution they said they could n't cause I owed XXXX XXXX I said impossible I paid them off at the beginning of the year. I provided her my payoff receipt and got the loan but she advised me I was n't the only one that she seen World Finance do wrong she told me they reported on my credit report that I still owed them in XX/XX/XXXX But my receipt shows it being payed off in XX/XX/XXXX. I talk to XXXX XXXX XXXX of XXXX in person and they stated that I still owed them even though my receipt shows otherwise. The lady said since I took the payoff amount that it was n't paid in full but my receipt says otherwise.

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 01/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have repeatedly reported to all three credit bureaus that I have no knowledge of an account with XXXX XXXX XXXX All three bureaus keep coming back saying the account is accurate and verified but they dont send me any information showing how or what was used to verify the information or any information validating the validity of this account and that its owed my me or that its even my account. I dont know who XXXX XXXX XXXX is Ive never heard of them, have no knowledge of owing them. And nothing has been produced to show why this negative account should be reporting on my credit bureau reports

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 06-10-2017 about Debt collection (Private student loan debt) with Navient Solutions, LLC. (WA).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: On  XXXX   XXXX ,  2017 , at  XXXX  an individual by the name of  XXXX   from Navient called my  parents and left a voicemail informing them  Navient was tr ying to get a hold of me.  XXXX  informed my parents I owe money and it was a federal offense not to respond. She left a phone number in the voicemail  XXXX   XXXX   XXXX . My father returned the call by calling the number it came from and a female on the other end of the line answered, " Hello. '' My father said, " You called this number. '' And then the women hung up on him.  <P/> This is t he 4th time now I have requested Navient not to call my parents and the second formal complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2015 about Consumer Loan (Vehicle loan) with JPMORGAN CHASE & CO. (MI).
Issue: Managing the loan or lease

Complaint: I bought a used car from a private party, giving him {$3900.00} in cash ( no checks involved ) for payment in full on Tuesday XXXX. I got my cash from XXXX XXXX XXXX. They had approved a used car loan at 2.5 %, but because the seller had a lien on the car with JP MORGAN CHASE BANK NA, XXXX XXXX XXXX, XXXX XXXX, TX., I had tp take out a personal loan at 9.25 % until I got a clear title. Then they would convert the personal loan to the 2.5 % used car loan. 
The seller and I went to the local Chase Bank branch on the same day. We had the managercompute to the penny how much the seller had to give in order for the lien to be paid off. 
He then gave the bank, in all cash, that amount. 
I fully expected the bank to sign and date the title to release the first lien. But no. Chase explained that that had to be done in the " back room '' and they would send to ME a letter stating that the loan has been paid in full. I protested, but was told that was the way it was going to happen. 
The end result is ; I took out a loan 9.25 % to buy a used car that I can not convert to a 2.5 % loan, because I can not transfer the title to my name until I wait for a snailmail that takes XXXX weeks. Further, I can not XXXX XXXX the car that I bought until I get the waiver in the mail. Further, the Michigan XXXX charges a {$15.00} late fee if I don ; t make the transfer in XXXX days or less.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MT).
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: Re : Account Number : XXXX EQUIFAX REFUSAL TO BLOCK FALSE CREDIT REPORTING INFORMATION FROM CREDIT REPORT AFTER IDENTITY THEFT XXXX SENT TO THEM XX/XX/XXXX AND XX/XX/XXXX To Management : I filed an Identity Theft XXXX ( complete with Police Report ) and sent a copy to the Equifax onXX/XX/XXXX. I also sent a follow up on XX/XX/XXXX requesting they block the following information, the subject of the Identity Theft XXXX : XXXX XXXX XXXX ( allegedly ) Date Assigned : XX/XX/XXXX ( allegedly ) Account Number : XXXX ( allegedly ) Creditor Name : XXXX XXXX XXXX XXXX ( allegedly ) All of the required documents were included in the Block request which was sent to Equifax, including A copy of the page from my Equifax credit report, Confirmation # XXXX, with the fraudulent items circled. A copy of my Identity Theft Report and proof of my identity. A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. <P/>I also informed them that it is illegal for them to continue to report the information when an Identity Theft XXXX ( and filed with a law enforcement officer ) has been provided along with a request to block the information. <P/>Since the consumer did not have a contractual, commercial relationship with the XXXX system and Equifax, Equifax can not accurately transmit information about the consumer ( XXXX XXXX ) concerning this alleged account belonging to her allegedly. Any inaccurate reporting is a violation of the consumers Privacy rights. The XXXX  Terms and Conditions state that the information reported must be accurately and completely reported. <P/>Equifax has no way of proving that the consumer ( XXXX XXXX ) was ever extended any credit creating a debt ( as defined in 15 USC 1692a 803. Definitions ) by XXXX XXXX XXXX, and therefore is violating the law when they report inacurate and incomplete information via the XXXX system, especially by refusing the block the inaccurate and false information when an Identity Theft XXXX and subsequent Block request were provided to them in full. <P/>Be advised that this complaint ( and Identity Theft XXXX filed ) is specifically related to Account Number : XXXX NOTE : CFPB is only authorized to utilize my credit report ONLY for the purposes of investigating this complaint, and for the above referenced alleged account only. This consent expires 60 days from the date this Complaint is submitted. <P/>I REQUIRE A COPY OF THE CREDIT REPORT OBTAINED BY CFPB FROM EQUIFAX TO BE SENT TO ME AT THE FOLLOWING EMAIL ADDRESS : XXXX With Reservation of Rights, Without Recourse : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2015 about Bank account or service (Checking account) with COMMERCE BANK (MO).
Issue: Problems caused by my funds being low

Complaint: About two years ago I received a letter from commerce bank saying that I would get a refund from them due to a class action lawsuit that was filed against them. Commerce bank had abusive overdraft practices where they would post the largest transactions to the smallest in order to create a greater number of overdraft fees. I was under the assumption when I received the letter that I would be receiving a check from the class action lawsuit. I have not received any compensation for this. I even sent commerce bank an email requesting information on when I would be able to expect to receive compensation from these unfair and abusive acts by commerce bank. I received a reply from them and they only said to be patient and eventually I would receive compensation. That has been several months now and still have heard nothing about it. I just want to be able to get what is owed to me, and to be able to have someone from commerce bank actually talk to me, rather than just send me an email instructing me to wait patiently with XXXX follow up. I want an explanation to whether I am supposed to get compensation and why I have not received it already.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2018 about Debt collection (Credit card debt) with Financial Recovery Services, Inc. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Requested verification of debt via certified mail dated XX/XX/XXXX. Today XX/XX/XXXX ( way over the 30 days required by law ) I received a letter with an " application # '' as verification of the debt. This establishment should be aware that per FTC Attorney XXXX XXXX XXXX, that a printout of a bill, application #, or itemized document does not constitute verification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation