milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/15/2015 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: A dispute was submitted to Equifax on XX/XX/XXXX due to an account being inaccurately reporting on my Consumer Credit Report. Supporting documents were submitted from the data furnisher that I received to support my claim that the account was being inaccurately reported on my Consumer Credit Report. Equifax failed to investigate the matter properly in addition to disregarding the supporting evidence. A Consumer Reporting Agency 's reinvestigation obligation is to verify the accuracy of its original source of information. This duty may include going beyond the original source. Whether the credit reporting agency must go beyond the original source depends on a number of factors, including : ( 1 ) whether the consumer has alerted the CRA that the original source may be unreliable ; ( 2 ) whether the CRA itself knows or should know that the original source is unreliable ; and ( 3 ) the comparative costs of verifying the accuracy of the original sources versus the potential harm the inaccurate information may cause the consumer. See : XXXX Experian Information Solutions , Inc., XXXX XXXX XXXX ( XX/XX/XXXX ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA - you are required to ( A ) promptly DELETE all information which can not be verified. Pursuant to the FCRA in 609 ( c ) ( 2 ) ( E ) ; " A consumer reporting agency is not required to remove accurate derogatory information from a consumer 's file, unless the information is outdated and or can not be verified. I request my private right of action pursuant but not limited to 15 U.S.C. 1681s-2, 15 U.S.C. 1681s-2b and 15 U.S.C. 1681s-2 ( 6 ) ( A ) ( B ) and ( 15 U.S.C. 1692g ). Account number XXXX from XXXX is reporting inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2016 about Student loan (Federal student loan servicing) with ERC (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: ERC is a debt collector for XXXX. I sent them several letter via certified mail with return receipt requesting debt validation and a hearing. I also called them several time. When I call they deny receiving any mail from me even though I give them the number of the certified mail. I also informed them that I am in bankruptcy to stop all collection. They stated that they do n't have to stop collection because the government is the guarantor. I sent them my suggestion of bankruptcy with the case number via certified mail. Each time I call they deny receiving it. When I give them the case number to make a note in the record, they do n't. So the next time I call they claim again having no record of my dispute letter or any information on my bankruptcy. They are refusing to stop the administrative wage garnishment. I 've attached documents to support my complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 08/18/2017 about Debt collection (Other debt) with Southwest Credit Systems, L.P. (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I have been a customer of XXXX for many years, with consistent on-time payments for the duration of my relationship with them. While continuing to make regular monthly payments for my internet and television service, I received a collection notice for {$59.00}. At no point did I receive a billing statement for this amount from XXXX and several attempts to obtain a billing statement from the company after receiving the collection notice ( my first contact about this amount due ) were fruitless. XXXX representatives repeatedly told me I had to find out from the collection agency, while representatives from the collection agency were referring me back to XXXX. To this point ( XXXX XXXX ), I have been unable to get a billing statement outlining what this amount is for and I have not been provided an opportunity to challenge this collection.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2016 about Debt collection (I do not know) with FAIR COLLECTIONS & OUTSOURCING, INC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: FAIR COLLECTIONS & O ACCOUNT NUMBERs : XXXX XX/XX/XXXX XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you FAIR COLLECTIONS & O or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : FAIR COLLECTIONS & O or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # *********** DOB XX/XX/XXXX ADDRESS XXXX

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 04/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Multiple unauthorized credit inquiries. No response from credit bureau.     This letter is another formal request to remove unauthorized inquiries from my credit report. I 've listed the unauthorized inquiries below.       XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX    XXXX    XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX    XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX ,  XXXX .    XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX    XXXX     XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX ,  XXXX    XXXX   XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX    XXXX   XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX ,  XXXX  Please note that before making this request, I sent letters to the organizations responsible for these unauthorized inquires asking them to remove their inquiries from my credit reports and to cease their illegal activity. Although I sent these letters return receipt requested and have proof that my letters were received more than 30 days ago, they have failed to respond therefore, I ask for your assistance in resolving this matter.     In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined above.

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 01/22/2017 about Debt collection (I do not know) with Phoenix Financial Services LLC (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: i called them asked for proof of what debt was they told me some old hospital bill i asked for information from them so i can prove it wasmt mine amd was due to identity theft they refuse to send me info refuse to remove it its fraude they XXXX its from years ago i was a victim of identity theft and theybrwfuse to help or remove it

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with GLENN ASSOCIATES MID-ATLANTIC, INC (MD).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XXXX XXXX from Glen and Associates calls our office 15-20 times a day, back to back. Belittling the receptionists and just being a bully.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2015 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (NC).
Issue: Account opening, closing, or management

Complaint: My ex-wife obtained pictures of checks I mobile deposited. When questioned how she admitted that XXXX of her clients ( my ex is a XXXX ) works for TD Bank in XXXX South Carolina and obtained these for her. I went to see my local branch manager who was helpful and opened an investigation. I had to close my account and I opened a new XXXX ( I watch it daily to make sure there is no funny business going on ), and I was told my account would be watched for any questionable activity. Meanwhile I had to lay out {$80.00} to have new checks printed and sent to me XXXX day air. This whole mess caused absolute chaos in my bank account and I am just now about XXXX months later, getting back on top of things. Meanwhile because of the mess the banks employee made, I have had overdrawn checks and they have made at least {$500.00} in fee 's off of me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/19/2016 about Consumer Loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (OH).
Issue: Problems when you are unable to pay

Complaint: I have a loan with Springleaf Financial services through the XXXX Ohio Branch.. I have had financial difficulty for a few months and have not been able to pay my agreed payment in a timely matter. The branch manager called me at work XX/XX/XXXX I believe. I work for a collection agency and all of our phones are on a recorded line. I ask him to not call me at work do to the recorded line and told him I would call him back. He continued to discuss my default on this call, I hung up on him. When I got off work I called him, I explained to him about the recorded lines and that all collection agencies have them. He said " that 's not true my lines are n't recorded and I am calling to collect on your loan '' and giggled. I again ask him not to call me at work. He said ok and thanked me for scheduling a payment. On XX/XX/2016 he ( XXXX ) called my work again and left a message with a co- worker to have me call him. I should not have received another call at my work number after telling him XX/XX/XXXX not to call me at work..

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2017 about Debt collection (I do not know) with Central States Recovery, Inc. (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I sent in a debt validation letter and Central States Recovery sent a letter stating that they do not have any record of the alleged debt ; however, they are still reporting to XXXX and XXXX This needs to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Problem with fraud alerts or security freezes

Complaint: I wanted to inform CFPB that I place a security freeze on my credit file on XXXX XXXX, 2017. It gave me a ten digit pin in case I wanted to remove the freeze. I called Equifax today to remove the freeze. Because every since the Equifax breach my credit file has been crazy. I thought that by me putting a freeze on my file, everything would be ok. But it has not. I asked for the freeze to be removed by Equifax freeze department. And the rude service man stated, I never had a freeze. I said, how could that have happened when I have the paper in front of me? He had no words. How can I trust to have something done and get confirmation. Just to learn it was never done.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2016 about Debt collection (Credit card) with BANK OF AMERICA, NATIONAL ASSOCIATION (MI).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Today I received a letter from Bank of America dated XXXX XXXX XXXX. When I called the phone number on the back of the letter and I entered the last XXXX digits of account closed in XX/XX/XXXX, it said my first name and then said it was being " consolidated '' at my request!!!!! What? I asked the persons in XXXX ; XXXX and XXXX as I was bounced from state to state and disconnected again and again : where are the XXXX credit card statements I was promised two weeks ago? I was told they would be mailed so I can forward them to the XXXX credit reports - some of whom have already removed it based on the date alone. But others are miscommunicating the term " correctly reporting on your credit file '' which not true! Now - today - Bank of America has stripped their own computers of the furnished payment information in each month in XXXX and XXXX XXXX ; such that the bank 's responders to disputes ca n't see what they furnished in XX/XX/XXXX/XX/XX/XXXX that is still on my credit report. Bank of America fabricated phony credit card statements to show the XX/XX/XXXX closing by me. However, they ca n't create documents in XX/XX/XXXX, as promised two weeks ago? The bank is hiding the fraud on this account by deleting the furnished data. That is fraud. The envelope received today did not come from Delaware either, despite the return address. It has been an annoying habit that letters are mailed from Bank of America from states other than the one it is written from. I suspect this is the bank 's way of avoiding the Attorney General of the state listed from having jurisdiction on the matter. This is compounding an already disasterous situation for no reason. The letter in no way allows a customer to talk directly to the place listed on the letter. Clearly, it was a fake form letter.

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
Consumer complaint received 01/15/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with The CMI Group, Inc. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I had closed out my account with XXXX XXXX after paying in full and then moved. 6 months later I got a letter from credit management in XXXX, TX stating I owed {$260.00}. I called XXXX XXXX who stated that I did not in fact owe anything. Credit Management insisted I did and forced me to submit a dispute form which I now fear they wanted for identity information.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2016 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY ().
Issue: Loan servicing, payments, escrow account

Complaint: iam disgusted that everytime i disput what wells fargo say and tell why i disput what they say the system never allows me to progress forward i have a least XXXX compaint casses all diputed and you have not done anything about it? yet you have fined wells fargo bank for falsifying documants mis acounting, fraud and perjury committed in court .why have you nomade compensation claims against then for the consumer that have not been protected iam disgusted in your prceedure

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2017 about Consumer Loan (Vehicle loan) with PORTFOLIO RECOVERY ASSOCIATES INC (GA).
Issue: Problems when you are unable to pay

Complaint: While XXXX on XXXX XXXX due to a complicated XXXX, my lender , XXXX XXXX, was allegedly sold to XXXX XXXX XXXX. I file Chapter XXXX Bankruptcy due to the hardship, and XXXX XXXX XXXX allegedly sold my loan to PRA Receivables. I have never signed an agreement with XXXX and XXXX charged off the debt and it has a XXXX balance. PRA is alleging that I owe them on my vehicle when in fact, the statutes of limitation on the debt has expired. They currently have the title to my vehicle and are refusing to release it. They have not proven validation of debt, and I was sent a contract between me and the original lender, which was XXXX XXXX, but nothing showing a relationship between me and them. As stated before, the statutes of limitation has expired and PRA is not on my credit report nor do they have a right to collect a debt on me, however, they are breaking the law by holding on to my car title, and it does not belong to them. They have no proof of anything. I want my car title back immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2016 about Payday loan () with ZARVAD III S.A. (CA).
Issue: Received a loan I didn't apply for

Complaint: Getting a call from a XXXX about a payday loan back in XX/XX/2012 mypaydayloan.com. They are staying that they will serve me papers at home/and at my job with my manger. I asked for proof first from this company, but they said that the " papers will be my proof ''

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2016 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan servicing, payments, escrow account

Complaint: 3rd Request for Resolution : Bank of America has been fraudulently charging us for a late payments on our HELOC In XXXX XXXX (? not sure of date ) our HELOC converted to a fixed payment amount to pay the principal & interest from an interest only loan - Bofa never listed that we had " missed a Payment until mid XXXX '' When they listed this late payment that dated back to the original conversion date, they began charging us a late fee with no notification to us that the payment had ever been missed or that we would now have to pay a late fee. I wrote to your department to complain about this. I was working with a woman named XXXX - XXXX never returns phone calls or follows through - She never leaves clear messages so it 's VERY DIFFICULT to hear what number to call her back on when she does call ( after I make 20 calls in a single day trying to get her to call me back ). 

I offered on 4 different times on back & forth phone calls to make the missing payment & have the bank backdate the payment to the original date when we supposedly " missed '' a payment - but XXXX would say she 'd ask and get back to me and then disappeared and never called me back after multiple calls to her office. ( BofA never sent a single notice showing this " missing payment '' until XXXX when it mysteriously showed up on a random bill one day. ) BofA is charging us monthly late fees. I have offered to make the payment & have them backdate it but because they had already sent out XXXX interest statements for XXXX no-one at Bank of America wanted to bother to help us. They keep charging fraudulent fees. because they say that we are paying 1 mo. behind even though we pay our HELOC early each month & make additional principal payments - apparently they 've been using these funds to cover hidden fess and not notifying us this entire time??!! - We have an account manager and this issue was : 1 ) not stated or shown on our monthly statements 2 ) never mentioned by our account manager This is absolutely unacceptable. We want to make an additional payment for this mysterious " past due '' amount and have it backdated to XXXX XXXX when it originally due & have all associated fees & interest reversed. 

This is the third time I 'm writing about this issue because BofA simply will not respond to our request & XXXX wo n't call me back.

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 08/21/2015 about Bank account or service (Checking account) with PENTAGON FEDERAL CREDIT UNION (NC).
Issue: Account opening, closing, or management

Complaint: Yes, My father banked with Pentagon Federal Credit Union. At the credit union he had several accounts XXXX money market certificate accounts, credit card and a share account. My father passed away XXXX XXXX, 2015. His estate is currently in probate and I 'm the executor of the estate. Pentagon Federal Credit Union will not close the accounts at the bank due to the fact my father had a balance on a credit card statement. Also the accounts are payable on death accounts with a beneficiary. They stated my father signed a credit card agreement stating they have the right to take money from other accounts to pay the debt. When my father passed away in XXXX the account was in good standing, it was not in default. I told them that they could place a claim against the estate and the estate would be responsible for paying the debt. I 've attached a copy of the credit card signature card and the membership disclosure. My question are listed below:1. Does the passing of an individual automatically make any debt by that individual in default? The debt in question is credit card debt. 
2. Does the credit union have a right to leave an account opened after requesting that it be closed after a persons death so they can make monthly withdrawals from the account ( s ) to pay on credit card debt?

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