milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/26/2017 about Debt collection (Medical debt) with EQUIFAX, INC. (SC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: DISPUTED ACCOUNTS UNDER THE LAW AND MY RIGHTS MUST FURNISH PROOF AS REQUIRED BY LAW THIS IS A VALID DEBT OR REMOVE IT.   I HAVE DISPUTED ACCOUNTS WITH THE NAME OF  XXXX   XXXX  SEVERAL TIMES WITH EQUIFAX AND DISPUTED ACCOUNTS UNDER THE LAW AND MY RIGHTS MUST FURNISH PROOF AS REQUIRED BY LAW THIS IS A VALID DEBT OR REMOVE IT.   I have not receiv ed one doc ument that shows this account belongs to me bearing my name, address, birth date, social security number, or anything with my signature on it. I have n't even been provided with a contract from  XXXX   XXXX   XXXX   XXXX  that proves I owed this money. Therefore, I have reason to believe an investigation was never completed. These are showing as loans on my credit report and are listed as derogatory!!   There are  XXXX  accounts listed on my credit report with the amounts of {$1300.00}, {$220.00}, and {$470.00}. The amounts also keep changing between the  XXXX  accounts. The  XXXX  account all have the same date reporting of  X/X/2014   . I called the collection company and they state that the actual hospital visit was at a later date in   X/2014 . H ow can someone have a collection filed before the suppose hospital visits. Then also they stated it was three visits in different months but still reporting as  X/X/14   .   These accounts are reporting as delinquent yet I have never received verification of these accounts. When speaking with the collection company they stated that I came in for leg pain and stomach pain which if I did indeed go would be a direct violation on my HIPPA Rights for a collection company to have information pertaining to a medical visit.   The collection is also list on another credit report under another company name and address with different open dates. This information can not be true nor verified because all of the information that is on the different reports. DISPUTED ACCOUNTS UNDER THE LAW AND MY RIGHTS MUST FURNISH PROOF AS REQUIRED BY LAW THIS IS A VALID DEBT OR REMOVE IT

Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX, EXPERIAN, XXXX are showing late payments where none existed. Documents attached include ; 1 ) XXXX CUSTOMER STATEMENTS, SHOWING ZERO LATE CHARGES AFTER XX/XX/XXXX AND SOONER WHEN ... .... . 2 ) XXXX REFUNDED 100 % OF LATE CHARGES AS SHOWN ON THIS XXXX STATEMENT ON XX/XX/XXXX ... .. AS SETTLEMENT OF 100 % OF LATE CHARGES AND ALSO PRIOR TO XXXX ... .AS ... SETTLEMENT OF A LONG RUNNING DIPUTE, 3 ) A LETTER FROM XXXX CONFIRMING WAIVER OF ALL LATE FEES ON THE XXXX 4 ) Not clear they have not confused account numbers, the enclose statement from XXXX HAS CORRECT AC #

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 04/15/2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: Equifax is reporting outdated information and I am within my rights to request the removal of the outdated creditors. I am asking for the deletion of the following outdated creditors : Names : XXXX Acct # : XXXX Date Opened : XX/XX/XXXX XXXX Acct # : XXXX Date Opened : XX/XX/XXXX XXXX XXXX Acct # : XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX Acct # XXXX Date Opened : XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XXXX, XXXX and Equifax are all lowering consumers credit scores, so the interest rates can be raised and we are charged more. They are allowing lenders to report false and inaccurate information on our credit reports so they can cash in on it. This corruption needs to stop. I have been building a case against them for a year now and have documented 10 failed attempts with the CFPB failure to comply and get the job done. So it is now time to sue all three Corrupt credit reporting companies in order to stop the fraudulent activity on my report. The are breaking Federal Law by lowering consumers scores, so they get paid by the lenders to make sure our scores stay  low, so they can charge high interest rates. This is their way of getting around paying government fines and maximizing their profits. THINK ABOUT IT! XXXX XXXX in revenue. Where is all this money coming from? The financial institutions are paying XXXX, Equifax and XXXX to do this. Why do you think Equifax had the breach. Because I know who is doing it. AND WE ARE GOING TO EXPOSE YOU AND YOUR CORRUPTION> I cant wait until I cash my first settlement check from you tyrants

Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XX/XX/XXXX I filed online dispute XXXX about some negative accounts that are not mine. This is XXXX of them. On XXXX XXXX and XX/XX/XXXX I sent certified mails to Midland Credit Management to validate my debt per FDCPA 15 U.S.C XX/XX/XXXXg Section 809 ( 8 ) and per FCRA Section 609 ( a ) ( 1 ) ( A ). To date, Midland has failed to comply with my requests. I am attaching all documents sent to them with copies of certified request receipts. Today XXXX XXXX, I have sent them another letter to provide me proof of my alleged debts.

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Problem with fraud alerts or security freezes

Complaint: Equifax - trying to place security credit freeze on my account, after entering my personal information, the option is not show to place a freeze. 

Contacted Equifax at XXXX, told to try website again, maybe the option to freeze will show up. Customer service person had no clue what to do or how to help

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2016 about Debt collection (I do not know) with Professional Adjustment Corp. of S.W. FL., Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have asked Professional Adjustment to validate a collection they are reporting on my credit reports on XXXX/XXXX/16, XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to 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 03/31/2017 about Bank account or service (Savings account) with RABOBANK, NATIONAL ASSOCIATION (CA).
Issue: Deposits and withdrawals

Complaint: On XX/XX/XXXX 2017, I went to the Rabobank branch on XXXX XXXX XXXX XXXX, XXXX, CA and XXXX was my teller. I asked her to deposit my check, which was {$3000.00} into my Savings account. She confirmed that the funds would go into Savings then began trying to sell additional products/services that the bank offered, which may have distracted her from my request. When I received my receipt I noticed that the amount in my checking account had increased by {$3000.00} and that my Savings account balance had not changed. I once again asked XXXX the teller if the funds had been deposited into my Checking or Savings account and she confirmed it had gone into Savings, which did not align with the receipt. 
Later that day I checked my balance online and as I suspected the funds had not been moved into my Savings account. Therefore, I completed a balance transfer online in the amount of {$3000.00} and figured I would just do it myself, as I could see my newly deposited funds in my Checking Account. 
The following day on XX/XX/XXXX 2017 I received notification that my Checking account balance was overdrawn and I was being charged fees, adding up to {$280.00}. Upon further investigation I found out the bank had moved money from my Checking account into my Savings account without my knowledge. This caused my Checking account to be overdrawn as {$6000.00} total was moved out of my Checking account, the {$3000.00} I moved, as well as {$3000.00} the bank moved well after the point in time that I completed the transaction. I would not have moved {$3000.00} out of my checking account had the funds been deposited correctly into savings at the time I visited the branch. 
The negligence from this bank branch has caused me to pay unnecessary fees and should be illegal. Once I noticed this I discussed it with XXXX in person, he took down my information and said that a manager would give me a call. 
Two days later, when I discussed this with the bank manager ( I do not recall her name ) she offered to split the difference of the fees with me, by dropping them by {$140.00} to {$140.00}. I explained that this was not good enough as I had money available and it was only due to the way they transferred money in my account which caused me to be overdrawn. 
Please investigate this, I do not even want to deal with this branch anymore and may move my accounts to another institution as this was a fairly simple request, which led to unnecessary fees. I believe I should be refunded the full amount of the fees or an additional {$140.00} as I should not be required to pay fees which only occurred due to their mistake.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11-07-2017 about Debt collection (Other debt) with PAYPAL HOLDINGS INC. (OR).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Over the past few months, XXXX XXXX has sent me letters telling me to pay them {$220.00}  because they 're claiming PayPal can not sue me for debt. I have asked PayPal for proof that I have any outstanding debt with them and they have stated no. I called XXXX and the moment I said I had called PayPal for proof they hung up.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/26/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (OR).
Issue: Loan modification,collection,foreclosure

Complaint: On XX/XX/XXXX a complete modification package was sent to SPS. ( see attached ) A confirming email was received ( see attached ) The homeowner had a sale date set for XX/XX/XXXX.Our office called SPS and spoke to XXXX XXXX on XX/XX/XXXX and she stated the docs were received and they will be sent to processing. ( pull the call as they are recorded ) On XXXX we called SPS and spoke to XXXX XXXX who stated the docs are being reviewed. ( pull the call as they are recorded ) The sale date of XXXX was postponed until XX/XX/XXXX.Our office continued to call weekly for updates on the review. Every week we were told the file is being reviewed. On XX/XX/XXXX we called SPS and spoke with XXXX XXXX who stated the file was denied, but no denial letter was sent.On XX/XX/XXXX we called SPS and spoke to " member of management : XXXX XXXX ID XXXX. We told her no denial letter was ever sent yet we have correspondence from them that the docs were indeed sent in for review. That we have all call logs and records ( see attached ) from every employee we spoke to weekly with regards to the review. She reviewed the file and stated she sees where we spoke to the employees but that NO REVIEW WAS EVER OPENED as there was a sale date on XX/XX/XXXX. She contradicted what EVERY SINGLE EMPLOYEE STATED. She continued to repeat " there was a sale date on XX/XX/XXXX we could n't review the file. '' Once the sale date was postponed what was the excuse? She than stated it had to be in review 37 days before the sale date. THE SALE DATE WAS POSTPONED, WE HAVE CORRESPONDANCE FROM SPS VIA EMAIL AND WE HAVE DOCUMENTED CONVERSATIONS REGARDING THEIR EMPLOYESS TELLING US THE FILE WAS IN REVIEW. We informed her of all that information and she continued to make excuses. She then stated that XXXX did not move the " file forward. '' SPS records the calls!!! They need to review all calls dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX when we spoke with XXXX XXXX, XX/XX/XXXX when we spoke to XXXX XXXX, XX/XX/XXXX when we spoke to XXXX XXXX and then XXXX XXXX.For this to happen to a file is unacceptable. This file slipped through the cracks. At this time we are demanding the sale date be postponed or we will move forward with legalaction naming SPS as a defendant in a civil suit.Mr. XXXX has had issues after issues with SPS and it is apparent that they have neglected this file. Furthermore they have discriminated against XXXX XXXX based on his race, ethnicity, national origin, language, sex, and marital status. It is very obvious that SPS would rather foreclosure on the home than assist the homeowner. Lastly, there is an open dispute with their institution from XX/XX/XXXX that has NOT BEEN resolved, yet they are still trying to sell the home. That further proves their intention regarding the home as well as discrimination against the homeowner.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (NC).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: They have closed the stores and I asked them to close my revolving account.

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with PINNACLE RECOVERY, INC. (ID).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I was behind on my timeshare maintenance dues payments. I owed about {$1200.00} and I paid the past due amount plus the next months payment in full on Friday XXXX/XXXX/2015 on my original creditors website and they accepted as payment in full. The following Monday XXXX/XXXX/2015 I got a call from Pinnacle Recovery Inc. and talked to someone names XXXX. She said I owed about {$1500.00} for the account dues that had been handed over to them. I had not heard from Pinnacle prior to this ever and had already paid my original creditor in full. I explained to her that I had already made payment in full to satisfy the debt and there was nothing more I was obligated to pay. She continued to push the issue and stated I owe them ( Pinnacle ) {$300.00} additional because the account had been assigned to them. I had never heard anything from them or had any contact whatsoever before I made my payment to my original creditor. XXXX called me back about a week later and said that I still owed them the {$300.00} and I said no because the timeline does n't support their statements and I got my payment into my timeshare before ever hearing from them. This company is a joke!!! What do n't they understand about me already paying my debt. I sent certified letters disputing my case and sent emails with the payment confirmation I made on XXXX/XXXX/2015 to show as proof ( see attached documents ). I am really tired of these bottom feeder tactics and have notified my attorney just in case they continue to pursue this. Please see the attached documents showing the timeline of this. Also please note on the Pinnacle Document XXXX attachment the sentence that says " Please do not contact XXXX, The Club regarding this debt until the amount has been satisfied through our office '' I would have gladly followed the correct procedure and paid the debt through Pinnacle but I had already made payment in full to XXXX as seen in my supporting documentation and payment confirmation letter from Worldmark. I am not one to skirt the issue or find ways to be deceptive. I believe in following correct policies and procedures. What I do dispute and have objection too is companies like Pinnacle who try and take advantage of people and not look at the facts. I will not stand for this and and demand this be taken care of now!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2015 about Debt collection (I do not know) with Harris & Harris, Ltd. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: We got home phone service from XXXX XXXX XXXX XX/XX/XXXX. We immediately received automated telephone system calls every weekday and they want to speak to XXXX XXXX. These automated calls do not allow you to simply press a button and speak to someone. You have to write down their number and call them. We registered our home phone number on the do not call list on XX/XX/XXXX because of these calls. I filed a complaint with the FCC on XX/XX/XXXX. 

I notified the caller on these dates and times to stop calling and that we do not know XXXX XXXX, we are on the DNC list and we just received the new phone number. I begged them to stop calling. 

XX/XX/XXXX at XXXXXX/XX/XXXX at XX/XX/XXXXJust per review of the incoming call records from XX/XX/XXXX - XX/XX/XXXX and in that 18 days they called us 19 times, including 8 times ( every single weekday ) after the second notification on XX/XX/XXXX. 

They use several different telephone numbers, which they continually change so you can not block them, XXXX : //XXXX They also use different company names, e.g., XXXX XXXX XXXX , XXXX.XXXX PCHarris & Harris XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX. 
Harris and Harris of Illinois, Ltd. 

This morning their call right after XXXX woke up our child. Please make them stop harassing my family. Thank you!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2015 about Payday loan () with Enova International, Inc. (MD).
Issue: Charged bank acct wrong day or amt

Complaint: Cash net USA charged my bank 2 times in a 2 week period. They are giving payday loans illegally in the state of Maryland.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2017 about Student loan (Federal student loan servicing) with NELNET, INC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I am a Victim of ID Theft and I am trying to improve my credit. I went through a lot and I owe {$50000.00} without certification and I am XXXX years of age. I have asked for consolidation of my school loans, I applied for a credit card with XXXX XXXX. I was turned down due to negative items on my credit file, when I checked I have XXXX negative accounts without any explanation that everything was consolidated. Now the negative items are there from XXXX plus negative items of school loans still from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Vital Solutions, Inc. (HI).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: VRS debited checking account without approval and failed to provide a refund of funds illegally debited from bank account. Account Number : XXXX Problem Date : XXXX XXXX 2016 VSR Reps : XXXX and XXXX XXXX Was told to FAX ( XXXX ) XXXX bank statement showing where money was withdrawn. Did so, phoned company to verify receipt. XXXX, told me her XXXX said, money was debited due to online payment. I told her, I never made an online payment for XX/XX/XXXX. She said, she would bring the attention to upper management for their resolution. I said, I was calling my bank to stop payment on the unauthorized payment, then filing a complaint with the XXXX and Federal Trade Commission due to Illegal collection practice

Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2015 about Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (NY).
Issue: Loan servicing, payments, escrow account

Complaint: I HAVE A MORTGAGE THROUGH FREEDOM MORTGAGE. I REGISTERED TO PAY MY BILL ONLINE. EACH AND EVERY MONTH I CAN NOT ACCESS MY ACCOUNT AND HAVE TO SPEND AN HOUR WITH A TECHNICAL REPRESENTATIVE BEFORE BEING ABLE TO PAY MY BILL. IF I DONY HAVE TIME FOR THIS MY OPTION IS A PHONE PAYMENT WHICH THE COMPANY CHARGES FOR. THIS I THINK IS THE REASON THAT THE WEBSITE DOES NOT WORK PROPERLY SO THEY CAN GENERATE PHONE PAYMENT REVENUE.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation