milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-06-2017 about Debt collection (I do not know) with CCS Financial Services, Inc. (PA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I received a collection letter fro m Credit Control Services aka C redit Collection Services dated  XXXX   XXXX ,  2017  stating that I owed {$58.00} and offered me to settle it for {$46.00}, which I did on  XXXX   XXXX ,  2017 . Firstly, this company did not notify me of anything else before or after t his. Credit Control i s in violation of the FCRA requirement that a consumer notice shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency. Secondly, the account was added after a payment had been made and finally have failed to verify the debt. Supported, by my call : On  XXXX   XXXX ,  2017 ,   XXXX   XXXX   XXXX    sent me a message that this company added this debt. I called Credit Control Company, a nd spoke to  XXXX  a collection agency representative who could not find the account or any information pertaining to the debt. I informed her that my call is recorded and have the conversation should it be needed. I verified if I was speaking tp the correct organization which she confirmed as accurate but had no such account. The company is in violation of my consumer rights to notify me of this debt and that it would be reporting to a credit agency and moreover failed to validate the debt even though I had already paid it.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2016 about Consumer Loan (Installment loan) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Managing the loan or lease

Complaint: Unable to pay original loan due to unemployment and medical expenses. Debt was sold to Midland Credit Management who added unspecified fees, effectively increasing amount " owed '' by 140 %. MCM tried suing, but rescinded suit when defendant requested records detailing ownership of debt and additional fees. MCM refuses to remove debt from credit reporting agencies, despite the debt being older than 7 years ( they have reported the date they acquired debt as the debt origination date, not the date the debt became delinquent ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/28/2016 about Mortgage (Other mortgage) with OCEANSIDE MORTGAGE COMPANY (FL).
Issue: Credit decision / Underwriting

Complaint: Received an unsolicited marketing letter from Oceanside Mortgage Company to help me refinance my mortgage. While I am normally am fine with marketing materials, this was a deceptive letter. It came in an unmarked, windowed, envelope, with the words " final notice - Immediate action required '' with a file number. This is an obvious attempt to make it look like it is from a collection agency and a deceptive practice to try and obtain business. 

As a smart consumer, I am well aware that this is a heavy handed marketing ploy. However, some consumers may not be as observant or aware that this is a deceptive letter. I believe this is targeted at these people.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2015 about Debt collection (I do not know) with Wilson, Riley & Associates (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Wilson Riley and Associates keeps contacting me illegally. They are trying to reach someone else. They have left me intimidating phone voicemail messages with a case #. I 've told them repeatedly they have the wrong person and they refuse to stop harassing me. I am reporting them every place I can find!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2017 about Debt collection (Other debt) with Resurgent Capital Services L.P. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Since  XXXX    XXXX   I have been trying to get a validation of debt From  LVNV FUNDING, LLC  on this account and I have n't received a response this negative error is preventing me from making big purchases

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Other

Complaint: I received a XXXX from Bank of America regarding a check for {$12000.00} they sent me in XXXX of 2014 as repayment because they violated the SCRA on my credit card account while I was deployed. Upon receiving the check last XXXX, I verified with BOA that the check was legitimate and asked what it was for. They said they were repaying my interest on my credit card account that I had over payed due to their error. Now I have received a XXXX for a different amount, {$9000.00}. I spoke to a representative this morning and she claimed this amount was the real amount of the overpayment and that the difference between the check and the XXXX was something akin to restitution. She said the difference was nontaxable, but the portion recorded on the XXXX was taxable. According to her, the XXXX amount was credit card interest I paid while deployed. This is fraudulent however, because I already paid taxes on that amount when I included it as primary income from the XXXX when filing taxes. They are offering no further help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Debt collection (Payday loan debt) with Main Street Personal Finance (AL).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint: The XXXX XXXX XXXX called my job multiple times speaking to multiple employees including the owner of the company stating they were going to serve me with legal documents for a garnishment. I called back asked them to never call my job again but the lady named XXXX XXXX said she did not have to. That they were coming for me. I told her any documents they need to serve me with can be served to my home she told me to she was not serving to my home. She was only going to serve to my job. She stated she did not have to stop calling me and I advised her per the FDCPA she did and she said no she just wanted to make sure I was at work and hung up on me. On a voice mail she left for me she stated that I could be arrested at my job. She stated she spoke to my supervisor which is untrue because I report directly to the owner of the company and he is out of town. This is very unprofessional and embarrassing to say the least. She would n't even tell me what the paperwork is related to. I would have resolved on the spot but she hung up. I have a feeling it is related to an XXXX XXXX payday loan.

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2016 about Bank account or service (Checking account) with FIRST CITIZENS BANCSHARES, INC. (WA).
Issue: Account opening, closing, or management

Complaint: XXXX XXXX, First Citizens Bank has an advertisement on line, in their website https : //www.firstcitizens.com, where there is a bonus of XXXX for opening a new checking account. However, it does n't say that the checking account is subject to credit approval. After I fill out all my information, at the end, I was denied. I thought maybe they needed more information like my Driver License and proof of address etc. However, today I received an alert, that yesterday XXXX XXXX Bank checked on my XXXX credit bureau. It is an usual or not a common practice for a XXXX bank to measure credit exposure when a client is not requesting a lending product. It is uncommon to be subject to a credit risk check for a checking account, and more important to not disclose that as part of the application process. It is deceiving that their website does n't disclose that First Citizens Bank checking account products are subject to credit approval. I believe that is in violation of the fair lending act and it constitutes an unfair and deceptive banking practice. The website withhold material information that if I would have known right upfront I was going to be subject to credit approval for a checking account, it would have affected my decision to apply and I would n't have applied.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: The credit bureaus reached a settlement and announced, that tax liens, judgements and public records would be removed from the credit report, if the public records, did not contain certain basic identifying information : A person 's full name, address, social security number and date of birth. The requirement is that 3 of the 4 identifying information, points. Must be contained in the public record, to report it on the credit file as of XXXX 2017 ( these files, must be removed ). The minimum frequency of physical courthouse visits, to obtain newly recorded and updated public records, is ( at the very least ) every 90 days. The credit bureaus, has not physically, had a representative visit the courthouse ( s ) for public records filings and have used online services, such as XXXX for acquiring the information and has reported, this information provided, by a third party. Without any verification process, as required. And using a online service is not, within the physical visits, requirements, as set forth. 

I checked my public records and there are tax lien ( s ), listed on my credit report. 
which does n't meet the requirements to report on my credit file. There is no social security number, no date of birth, my full name is not disclosed, as well as a incorrect address. XXXX has removed the tax lien ( s ) from my credit report, as required. 
But, Equifax and XXXX, still have tax liens, listed on my credit report in violation of the new established agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2018 about Debt collection (I do not know) with Key 2 Recovery, Inc. (KY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have been repeatedly called from a XXXX number regarding debt owed by my brother. I ignored the unknown number the first time and they left a voicemail stating they were calling about debt owed by ( my brothers name ). 
I later found out they also called two other siblings trying to track down my brother. 
They continued to call my number so I eventually answered, told them this was not the right number and asked them not to call again. Nonetheless, they began calling again so today I answered again. 

The caller stated that her name was XXXX XXXX, she worked for Key2 and her number was XXXX ext XXXX. 

Even though I told her this was the wrong number and I had already asked not to be called again, she continued to probe and try to determine my relation to her target and push me to get him in touch with her until I eventually hung up. 

I want this company to stop calling 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 07/27/2016 about Credit reporting () with Experian Information Solutions Inc. (AZ).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: CFPB Complaint Experian XXXX/XXXX/16 Account XXXX XXXX Filed a dispute with the CRA, XXXX XXXX shows account paid but failed to provide complete information. I than requested this information from XXXX XXXX the furnisher at the address provided on my credit report. ( See attached letter ) I sent this request certified and return receipt. XXXX XXXX reply was that they sold the account. ( See attached letter ) I sent my request to the only furnisher listed for this account, no other contact is provided on the Experian Credit Report, or any other credit report for this account, no address or other name. 

In the past I attempted to contact this other company XXXX XXXX, that XXXX XXXX keeps insisting I do. I sent a request to this other company certified/return receipt mail, they never responded to my direct dispute. They did however immediately take action to sue me. ( See CFPB complaint XXXX ) XXXX has already agreed to delete this account. CFPB Complaint # XXXX Company responded XXXX XXXX said : Explanation of closure Based on the complaint, XXXX XXXX XXXX # XXXX has been deleted from your XXXX credit report. In order to protect your privacy, we will mail an updated copy of your credit report as well as the full results of our reinvestigation, to the current address we have on file for you. You can expect to receive it in approximately 5 to 7 business days. If you have any further questions, please call us at XXXX, Monday-Friday, XXXX - XXXX ET. Please visit XXXX for frequently asked questions about your credit report. 
Relief We received your complaint about XXXX XXXX XXXX # XXXX in your credit report, and apologize for any difficulty you may have experienced. The item identified in your complaint has been deleted. 

Attached : letter direct dispute XXXX XXXX XXXX. Certified/return receipt/mail, Response from XXXX XXXX, Experian Credit report and this letter of this CFPB dispute

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 10-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have an open complaint ( Complaint # XXXX ) where Experian is allowing a creditor, XXXX, to report 4 Fraudulent Accounts with inaccurate information. Experian is allowing XXXX to change the charge-off dates on these Fraudulent Accounts. First, Experian should have already removed these accounts due to them being Fraudulent and not belonging to me. The other credit reporting agencies have rectified the issue ; however, Experian is refusing to correct the issue and delete the Fraudulent accounts from my credit report. Experian has responded back to the open complaint indicating they need more time. I am not understanding why they need more time to correct the issue when documentation has been submitted showing proof. Experian is continuing to allow the creditor to change the charge-off dates which is damaging my credit score by showing these accounts are newly reported and also Re-Aging the Statue of Limitations which is Illegal.

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 EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: As of about XX/XX/XXXX, I have been disputeing the inaccurate information on my XXXX, XXXX and Equifax credit reports, it 's been 5 months now and to date, I have 4 items removed, I have hand written all dispute letters and I have nortorized them all, a total of 4 letters, and have waited each time for their response, so I can respond, but all I receive is a report stating the have been verified through the furnisher, but all the original creditor can provide is an account statement, I ask Everytime for them to please send me the original, or a copy of the original document that was signed to open this account with my signature on it, that they are required to have on file, neither the beaures or creditors have this on file, a account statement is unacceptable, that is not proof it is mine, I have recently filed a complaint with the ftc, and I have XXXX  XXXX helping now, but this is a drawn out war, I do understand they are private organization but need to be better regulated

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2016 about Credit card () with JPMORGAN CHASE & CO. (TX).
Issue: Other

Complaint: Since XXXX/XXXX/2016 we have received XXXX invoices, # XXXX, # XXXX and # XXXX, all with order # XXXX, totaling {$3300.00}. The first XXXX invoices were charged to our other XXXX Chase credit card, Totaling {$2000.00}. That has been closed. Neither I nor anyone applied, requested or authorized charges with XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX credit card was in her possession at all times, these charges were made. We called XXXX and XXXX numerous times since XXXX/XXXX/2016. They will not give us their name. We are told someone will call back in 20 minuets and the call is disconnected. No one returns our calls. They will put us on hold with clicking on the line and men laughing, then the call is disconnected. I gave them the invoice # XXXX, they gave me a different Company Name, not either XXXX of our business names. Today I gave them the invoice number and the call was disconnected. I call the XXXX number and no XXXX answers, like they blocked my number. I ca n't believe we are the only people getting scammed. My husband is a XXXX, he is paid {$13.00}. a head and pays 30 % of that for his space rental. He does n't use a computer at the XXXX. He writes all the record keeping down. We do n't even use XXXX on our XXXX. If we need to back something up on a computer, we use a thumb drive. My husband is retired XXXX XXXX and a XXXX XXXX. XXXX scammed both our business '. They charged the XXXX invoices on XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX Credit card. The invoices ' all have XXXX XXXX XXXX, XXXX, under the XXXX, started business on XXXX/XXXX/2016. Thank you for your assistance in this matter!

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2017 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have so many issues with this response, that I do n't know where to begin! 
# 1 I provided PHYSICAL PROOF that the public records are not reporting accurately and must be removed. How are they going to tell me that it 's " accurate '' to report information that does n't exist and that is invalid? How is it " accurate '' to report a balance when it should state that it has been paid? 
# XXXX - they have the filing date as " XXXX/XXXX/XXXX '' - this date does NOT exist! 
They have " XXXX CT '' for the name of the court - that is NOT the name of a court and it must be accurately and completely listed! This is also required to state bankruptcy court [ city, state ] Where liability is listed, it should state numerically - this states " A '' Once again, I 'm asking HOW THIS IS EVEN LEGAL? 
# 2 Equifax 's response clearly states that the burden of proof is on ME and NOT them! This is not true. XXXX states in XXXX XXXX XXXX that the burden of proof is on them and they can not tell me that I have to go directly to the creditor to obtain information. That 's THEIR job. They get paid to report information that is ACCURATE AND COMPLETE. When I notify them that this is not so, they must conduct an investigation into what I 'm stating is inaccurate or unverified. When I tell them once again that they are incorrect, they must ensure that the information they receive from the creditor is in fact accurate! Telling me that they verified the tax liens is NOT legal verification. XXXX states that the ONLY legal form of verification is FIRSTHAND KNOWLEDGE. They MUST physically possess the documentation that substantiates the reporting of these accounts PRIOR to even reporting them to ensure what they are listing is accurate! 
# 3 The CRA 's are paid to report information and have no incentive to remove any of the items. It is, however, their job to ascertain that what they are reporting is correct. This is why I have sent them the proof that what they are actually have on my public records section is NOT correct and they have failed to remove or correct it after 2 months and XXXX rounds of letters. I 'm looking at the actual paperwork ( petition ) from the court that verifies that they are reporting information that is invalid. This is also why I have provided this documentation to you.

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: In XX/XX/XXXX, I contacted Transunion requesting that information on my credit report be updated to show the correct status. The accounts listed below were all included in my bankruptcy in XX/XX/XXXX : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX, XXXX and XXXX XXXX. These were the only accounts that I asked Transunion to update to show included in Bankruptcy. Transunion went in and updated all of that information as requested, sent me an email stating that your request is complete and XXXX month later, after the request was complete I received an email from XXXX XXXX indicating that Transunion had removed XXXX more accounts from my credit file. The XXXX that they removed were XXXX Account # XXXX which was opened XXXX, pay status : Paid or Paying as Agreed and XXXX Account # XXXX which was a joint account opened in XXXX Pay Status : Paid or Paying as Agreed. Prior to Transunion removing these XXXX positive accounts from my credit report my credit score was XXXX. After they removed these accounts my score has fallen down to a XXXX. I have contacted Transunion XXXX concerning this matter and have asked them to correct their error but they simply refuse to do so. I was told by XXXX of Transunion Reps that I had asked that those XXXX items be removed from my account and when I told them I had not and if they had proof could they send me proof that I had indeed disputed those XXXX items I was told by the rep that they could not send out that information even though it was supposedly on the letter that I sent them and during my XXXX call asking Transunion to fix the errors I was told that if I wanted proof that I would have to get a court order for them to send me a copy of the letter showing that I disputed those XXXX items. I never disputed those XXXX items because they were reporting correctly and I would not have had a reason to do so. They simply removed positive information from my credit file, demolished my credit score that was finally improving after many years of it being poor and then to add insult to injury the rep that I spoke with along with the supervisor said there was nothing they could do and if I wanted those items to be included in my credit file again I needed to contact the creditor and she hung the phone up in my face.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-04-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX sold the credit card account then I paid it off and they are listing it as open and are refusing to talk to me or even contact the company that purchased it

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