milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/19/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Van Ru Credit Corporation (MS).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I received a bill from debt collection company in the name of Van Ru Credit Corporation I advised XXXX in fax several months ago that I had went XXXX and that I wanted to be placed in the service members relief act regarding my bill. As of today 's date I have never heard back after sending in paperwork regarding my XXXX status.

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 12/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have previously submitted disputes to Equifax and XXXX regarding fraud that occurred by certified mail and did not receive a response. I 've also attempted to resolved with them directly with no success. I have attached all the fraud forms including police report to get this resolved asap. 

The accounts in dispute are : XXXX XXXX XXXX - Amt Obtained {$460.00} - FRAUD XXXX - Amt Obtained {$3600.00} - FRAUD XXXX XXXX - Amt Obtained {$1100.00} - FRAUD XXXX XXXX - Amt Obtained {$1700.00} - FRAUD XXXX XXXX XXXX XXXX - Amt Obtained {$11000.00} - FRAUD XXXX Personal Loan - Amt Obtained {$13000.00} - FRAUD XXXX XXXX - Amt Obtained {$10000.00} - FRAUD XXXX XXXX XXXX - Amt Obtained {$7000.00} - FRAUD

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2018 about Debt collection (Medical debt) with EOS Holdings, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against EOS CCA. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2015 about Consumer Loan (Vehicle loan) with CREDIT ACCEPTANCE CORPORATION (AR).
Issue: Problems when you are unable to pay

Complaint: My XXXX XXXX XXXX is financed through Credit Acceptance where I am the cosigner as I had to get my XXXX-year-old father to sign as principal after finding out I am the principal on my son 's XXXX XXXX truck I cosigned a few years earlier. This was done without my knowledge or approval ; I mean I will cosign for my kids but NEVER the principal signee but that 's another story. Since XXXX of XXXX after being contacted by my Dad that he was forced to make XXXX payments on this account to keep it current. At the time, I had missed XXXX XXXX XXXX payment & another one was n't due until the XXXX of XXXX XXXX. Okay, thanks Dad, paid him back & set up my automatic payment again. Credit Acceptance took another payment in XXXX so it was really ahead, then XXXX in XXXX on the XXXX & then the XXXX. I called in XXXX as I 'm a XXXX & can not afford their mistakes. They blamed this on having XXXX separate accounts set up even though they both came for the same & original bank account. I received a call on XXXX XXXX, XXXX where I was told I was again a payment behind ; they did not take XX/XX/XXXX payment for some reason even though these were once again submitted in XXXX XXXX. I made arrangements for their automatic payment representative to set this up once again, even being read their disclosure authorizing this. I also made sure all my info was correct as my father 's diagnosis of familiar XXXX XXXX XXXX was confirmed & wanted to be sure they had everything accurate. I stupidly enough thought all was well until Sunday evening, XXXX XXXX, XXXX ; when the repossession man was at my door to get the XXXX in the garage. Thinking everything was just a misunderstanding, I let them take it as I was also under the impression I had no other choice ... this money was just sitting in my bank account so it was no problem getting it caught up once Credit Acceptance was opened on Monday morning but, this came with a {$330.00} loss I am told is my fault for not making sure the payments were actually drafted. I 'm thinking, XXXX more payments & they know the principal signee has XXXX XXXX who was also NEVER contacted. This seems like a scam to me!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01-02-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: IN THE LIST OF ADDRESSES THERE IS XXXX THAT I HAVE NEVER LIVED AT. XXXX XXXX XXXX XXXX XXXX XXXX. I HAVE NEVER LIVED ANYWHERE BUT THE OTHER XXXX ADDRESSES XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-12-2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (WI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have filed a previous complaint against Capitol One Bank for garnishing wages for an account they deemed was fraudulent. Capital One garnished a wage total of {$4600.00} from my work check bi-weekly. The previous complain I filed with your agency was for {$3000.00}. They sent me a check I received on XXXX/XXXX/2016 for that amount. I disputed this amount on XXXX XXXX, 2016 for the amount I am entitled too. Total reimbursement is only the acceptable resolution. Note I also had missed worked for meetings with the commissioner they summons me for, certified mail reimbursement, fuel, lost wages, time in proving this fraud case. In the dispute thru your agency. I need {$5000.00} to make this right. I could get more but this would suffice and is, m ore then reasonable. Please refer to the documents I attached to thee dispute. The CFPB # XXXX. I am attaching the check I received as proof that I was not reimbursed rightfully. I will be expecting a check within the 7 business days. As of now I am not charging interest but if this is not resolved quickly I will have to start.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/28/2016 about Credit reporting () with EQUIFAX, INC. (KY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have tried to before and was successful with XXXX, but Equifax has not even updated my information but is sure to to put any negative. They have XXXX collections that are not mine, have wrong addresses, and when I try to dispute it said I had the wrong information.

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2016 about Student loan (Federal student loan servicing) with Delta Management Associates, Inc. (SD).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: My loan is in default, I have been trying to establish an Income based repayment plan with Delta Collection Agency @ XXXX. I 'm frustrated by their delaying tactics. I have sent in all requested documents even three years of tax returns, reference letters, Hardship letter yet every time I call something is missing, even though a supervisor told me yesterday everything was their. I have the opportunity to restart school but need my XXXX in place first.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Payday loan, title loan, or personal loan (Payday loan) with 1st Franklin Financial Corporation (AL).
Issue: Can't contact lender or servicer

Complaint: I took out a loan with   XXXX   XXXX   XXXX   XXXX   Al my due date was Fri   XXXX   XXXX   I got a letter Saturday saying my lawn was bought by another place I have never been to. I have not heard anything from   XXXX   XXXX   I want to know why or how can someone buy my   XXXX   XXXX   and force me to do business somewhere else

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 07/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: There is a chapter   XXXX   Bankruptcy and   XXXX   public records on my credit report that does not belong to me. The courts do not report to the credit reporting agencies nor do they report to third party companies such as  XXXX , Equifax,  XXXX , Collection agencies, or   XXXX   XXXX  . I have sent a method of verification letter to Equifax and  XXXX  asking them to fill out the verification form that I sent to them and got no response. These are the accounts in question that are an identity fraud issue : Reference number for Bankruptcy is  XXXX ,  XXXX ,  XXXX , and  XXXX  are the other   XXXX   accounts that do not belong to me.
There is a slew of inquiries that I did not authorize nor did I sign any paperwork to run my credit for any of these inquiries. I called the companies and none of them can send me a signed credit application with my signature stating I authorized these inquiries.
  XXXX   XXXX   Inquiry from  XX/XX/XXXX    XXXX   XXXX   XXXX   Inquiry from  XX/XX/XXXX    XXXX   XXXX   XXXX   Inquiry from  XX/XX/XXXX    XXXX   XXXX   Inquiry from  XX/XX/XXXX    XXXX   XXXX   XXXX   XXXX   Inquiry from  XX/XX/XXXX    XXXX   XXXX   Inquiry from  XX/XX/XXXX    XXXX   Inquiry from  XX/XX/XXXX    XXXX   XXXX   Inquiry from XX/XX/XXXX    XXXX   XXXX   Inquiry from  XX/XX/XXXX    XXXX   XXXX   Inquiry from XX/XX/XXXX    XXXX   XXXX   XXXX   Inquiry from  XX/XX/XXXX   XXXX   XXXX   Inquiry from  XX/XX/XXXX   XXXX  Inquiry from  XX/XX/XXXX    XXXX   XXXX   XXXX    Inquiry from  XX/XX/XXXX   XXXX  Inquiry from  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: On XXXX XXXX, 2017, my account was paid in full to XXXX XXXX ( City of XXXX ) and I was told by an associate that the collection will be deleted from all 3 credit bureau reports once paid in full. Experian deleted the collection the next day. Now, the collection is back on my report and I was not given the 5 day notice required by law before a collection is reinserted under the same name. Also, on XX/XX/XXXX, I received a voicemail from XXXX from the City of XXXX stating to give her a call back. She claimed in the response that we spoke and resolved the issue but Ive not spoken with her at all. I received the voicemail well after the collection was deleted, not before. So she lied.

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 11/14/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Can not dispute online Will not do a re-investigation of accounts that have been disputed before

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Deposits and withdrawals

Complaint: I deposited from my XXXX checks from XXXX I see weekly with my Bank of America small business banking account ending in XXXX on XX/XX/XXXX. The bank has now placed a hold on all these checks since that time. I have consistently deposited checks over the past several years with Bank of America. As a XXXX with a XXXX, I rely on having money and checks deposited in my accounted and credited in a timely fashion. No reasonable explanation has been provided to me by the bank at this time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2018 about Debt collection (Medical debt) with WAKEFIELD & ASSOCIATES, INC. (MS).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Letter was mailed XX/XX/XXXX and XX/XX/XXXX regarding need for validation of debt. No response Received bill for collection XX/XX/XXXX Bills were paid with original creditor who cashed check and accepted pay to delete. The bill is not mine and another person was responsible for debt. I still tried to resolve matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: While perusing my credit report, I noticed several items I did n't recognized. A address I did n't recognize and a collections bill from XXXX and XXXX I did n't incur. Please advise.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-07-2015 about Mortgage (FHA mortgage) with U.S. BANCORP (PA).
Issue: Loan modification,collection,foreclosure

Complaint: I have had many issues with my lender since XX/XX/XXXX - presentI have attended the XXXX Save your Home Project where I was denied the opportunity to save my home. The lawyers representing US Bank XXXX, XXXX and XXXX XXXX sent a attorney XXXX XXXX who was at the conference hearing and me and my husband explain our financial hardship and the unexpected XXXX XXXX of Our Son and the unexpected funeral cost that had hit us all XXXX. XXXX said the loss of our son was not her concern. How could we pay balance due at this time. 
I did not found out until XX/XX/XXXX that my FHA loan could have been modified. 
I was sending the needed paper work that US bank ask me for and I did not know that I should have used a housing counselor because of the format needed to be use to have my housing documents legal done. 
Today we are facing a sheriff sale dated for XX/XX/XXXX summit another modification package to US Bank requested by my Default resolution manager XXXX XXXX who I have corresponded with over the last XXXX years XXXX ext.. XXXX package was reviewed and a decision was made within XXXX days and he told me I was not eligible for a modification or hamp and I could not file a Appeal. 
All the housing counselors I have used have been complaint with US Bank but they have not been or has US Bank tried to help me with my home but XXXX and I stated to them I could not honor the modification they presented because I would be in default again. Then I must wait XXXX months to be eligible for assistance and this just made matters worst but I was following the advice of US Bank. I never got a fair chance to save my home by XXXX XXXX I 'm facing the unbearable truth of being homeless.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2016 about Credit card () with CITIBANK, N.A. (NM).
Issue: Customer service / Customer relations

Complaint: I ordered flowers from XXXX XXXX for my aunt 's memorial. That company did n't deliver the flowers in hand to anyone. I gave them my uncle 's phone number so they could call him before delivery. He is XXXX so he may not the door bell if someone rings it.The person left the flowers by a door that was n't used by anyone and no one knew the flowers were outside in the the sun all day, from XXXX until XXXX when my cousin called to tell me they\\\\ they did n't received the flowers. I was terribly upset since it was the last thing I could do to honor my aunt and no one got the flowers for the memorial service. I called XXXX XXXX and told them I wanted a full refund. They offered half my money back right away but said if I wanted a full refund and they said they would have to pick the flowers up to get the full refund. I told them to pick the flowers up. 
This was back in XXXX when the weather was very hot. 
I told them I was n't paying for the flowers and called customer service with Macy 's American Express card and told them to put a stop payment on the flowers. The person I spoke with told me they would take care of it. The next month I called them when I saw they had paid full payment to XXXX XXXX for the flowers, they lied to me. Each month I called about my bill and they lied to me telling me it was taken care of while charging me interest on the unpaid amount for the flowers each month. I have been lied to so many times now that I ca n't trust this company anymore. They never should have made any payment to XXXX XXXX until the matter on the flowers was resolved. I am going tear up myc card and never use it again. I hope you can help me with this situation.

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 monetary relief
Consumer complaint received 02/16/2018 about Payday loan, title loan, or personal loan (Installment loan) with CURO Intermediate Holdings (CA).
Issue: Charged fees or interest you didn't expect

Complaint: I obtained a account about a year ago ... ... ..I have paid over {$1500.00} on a {$2600.00} account .... They still say that I owe XXXX XXXX and XXXX XXXX, {$5200.00}!!! I am XXXX years old and did not understand that this usury interest rate is over 500 % The account number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2015 about Credit reporting () with Experian Information Solutions Inc. (CT).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have disputed XXXX disputes regarding XXXX different collection agencies that have reported collections on my account. I have provided proof of all collections that were paid in full and Experian failed to fully investigate and remove thoses items which are currently hurting my credit score. First was XXXX XXXX XXXX, Second XXXX XXXX ( XXXX XXXX XXXX ) and third XXXX XXXX Bank ( XXXX and XXXX ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2017 about Debt collection (Medical debt) with TENET HEALTHCARE CORPORATION (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I was admitted to the ER at XXXX XXXX XXXX HOSPITAL on XX/XX/XXXX. After being there approximately 1 hour, they discharged me stating I had a XXXX and nothing could be done. Eventually I received an ER bill in excess of {$5000.00}. When I applied for XXXX through the 'brand new ' ( at the time ) XXXX XXXX healthcare exchange, a number of problems occurred outside my control with the system and it 's implementation. Eventually, XXXX corrected the errors and said they would pay for my bill. By the time they admitted to their mistake, the hospital sent my bill to a collection agency. 

I contacted the collection agency with a Eligibility Letter of Authorization dated XX/XX/XXXX where they told me they " could not send paper bills '' and " tried to charge XXXX electronically but were denied. '' They requested that I, as the consumer, bill XXXX directly and just pay them with my own money as I could be reimbursed by XXXX. This I know is not true. They are refusing to use the actual way to pay the bill.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 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: Their investigation did not fix an error on your report

Complaint: XXXX   XXXX  ,2015-   XXXX  I call  XXXX   XXXX   XXXX   XXXX  and they will try to removed this off my credit report because it 's pa st 7 years old. no c hange on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AmeriCollect (SC).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Ive reached out to this company several of times to resolve this illegal and unethical behavior. They are reporting an fraudulent account to my credit that was already paid. This fraudulent company purchased this old debt from the original creditor, used scare tactics which is in violation of the FDCPA to collect on a debt that was already paid for. They are reporting this negative information to my credit and it is causing great stress emotionally and financially. I will be forwarding this over to my local attorney general, I will be reaching out to an attorney to file a lawsuit for damages and wages and I will be speaking with the media to have them investigate this fraudulent company. Ive asked them on several occasions if I owe the debt prove it, provide me with proof of debt and they refused, the agents were very rude. I am giving them 30-days to resolve this issue otherwise I will proceed legally against them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2016 about Bank account or service (Checking account) with REGIONS FINANCIAL CORPORATION (GA).
Issue: Using a debit or ATM card

Complaint: On XXXX I made a overnite deposit due to the ATM at the XXXX GA location being down. On XXXX I called XXXX to find out why it did not post. I talked to XXXX who refunded the NSF and put a total block on card for overdrafts. He said that if no funds are in the account no transactions will go through. XXXX at XXXX location XXXX who said that they do n't make deposits from the overnite deposit box on weekends. ON XXXX, charges from XXXX as a trial period ended went through. On XXXX I talked to XXXX at the call center who said that a partial block was on and any recurring charges will post to avoid embarrassment. She proceeded to put a total block on the card for overdrafts and sent me a claim form since I was not told about the reoccurring charges. After I sent the form in they sent me a letter and said that there was no error for the $ XXXX {$36.00} nsf charges.

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