milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-05-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with NCC Business Services, Inc. (NJ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This is a landlord issue that has ended up on my credit report that I have been unable to remove or negotiate. 
I lived in the apartment for 2 years. I notified them that I was moving and why I was moving. They claimed I did n't give them proper notice and that I owed them a full month of rent because I moved out on XXXX XXXX. They stated that my rental contract tied me to that full amount. In XXXX of that year, they provided me incorrect information stating that on XXXX XXXX I was on a month to month contract so I did n't believe I was under contract at that time. Either way, I offered them the money from XXXX XXXX ( covering 3 days past my move out date ). The reasons I moved it which they were fully aware of was that I had a drug dealer living above me and the conditions were atrocious and I had a XXXX XXXX XXXX living with me. There were assaults, abuse, drug deals, etc. The entire building had been involved with alerting the office at least once to twice a month. Nothing was done. They stated " its hard to evict someone '' but its apparently not hard to try to collect a debt from someone because they sent this to collection instantly after I moved out. I guess it would have been more difficult to evict me than it would be for me to move out with notice and complaint. They have placed the full amount of the debt they state I owe on my credit report and have told me this will prevent me from getting credit in the future ( and it has ). Its not fair to force someone to pay for something saying the contract was broken even though they broke the contract as well by not providing a safe, drug free environment for ME as a tenant to live in. I do n't get to collect from them for that. I just have to sit back as a single mother and allow them to ruin my credit. I really have no recourse but to pay this debt or just never be able to buy a house or a car. And this is all because I moved out of a dangerous environment without what they call 'proper notice '. I am sure you will see that they were notified and that they also broke their contract. They are slum lords who prey on people just trying to survive.

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 12/22/2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (CO).
Issue: Account opening, closing, or management

Complaint: I applied for mortgage loan and found Wells Fargo Dealer Services on my credit report reporting a repossession with a balance due of around {$14000.00}. I never received the proper " right to cure '' required by Colorado law. The XXXX they show as due and owing does not reflect a reasonable effort to sell the car as required by law. I requested they provide documentation of " right to cure '' and vehicle and a bill of sale. They did not provide either and responded with a letter saying everything they reported was correct. The original balance is being reported as around 30,000 and the Blue Book value is XXXX as of late 2010. Wells Fargo has not provided information requested, did not make a reasonable effort to sell the car for its true value and has not met the burden of reporting complete, accurate and verifiable information. I have attached copies of all communication and the Kelly Blue Book Value at the time of sale.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2015 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: After a divorce, I was granted Innocent Spouse status from the IRS, and was separated from my ex-husband 's many tax liens. I saw liens back on my credit report ( my name is still on my ex 's house ), and I disputed XXXX times, providing documents showing my release from those liens from XXXX XXXX, the State of Ohio, and the IRS. Equifax apparently does n't accept proof from all taxing agencies that I am released from those liens, because after XXXX disputes, I keep getting the same response - " we have determined that these liens are yours ''. These liens are negatively affecting my credit score, and the other credit bureaus have not had a problem correcting this error. I need help getting this corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Debt collection (Other debt) with ResidentCollect, Inc. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Innovative Recovery, Inc. reported on my credit reports a {$340.00} balance allegedly due for a former apartment I lived in and moved out of two years ago. I have never received written notification of this debt and have disputed the collection accounts with one request to validate the debt. All three credit bureaus have failed to remove the debt, citing that they " verified the debt belongs to me ''. I am asking for Innovative to either provide me the written verification or remove the entry.

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
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: Experian has my son 's social on my credit file I have provided Experian now twice a copy of my social security card and the issue is still not fixed. Please help My social is  XXXX  and my son 's is  XXXX  I want his social off of my credit file and anything else belonging to him

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 11-09-2017 about Debt collection (I do not know) with Ideal Collection Services, Inc. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have attempted to contact this company and dispute this debt with the credit bureaus. This company will not provide me with a letter of validation that this debt belongs to me. I have asked for signed documents or the original documents for the debt. The credit bureaus XXXX, XXXX XXXX XXXX continue to say that the debt is verified but they will not send me the validation method being used. By law I am authorized to request a letter of validation with my signature or the debt has to be removed from my credit. I have not received anything from the company or the credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2017 about Consumer Loan (Installment loan) with Wilber and Associates, P.C. (CO).
Issue: Problems when you are unable to pay

Complaint: I was involved in an auto accident last year and unfortunately my insurance refused to pay for the damages. Last month I got a call from Wilbur and associates who informed me I owed a debt due to the damages that took place during the accident. The representative I spoke with scared me and told me my Drivers license would be suspended if I did n't pay the bill. I informed her that my boyfriend and I are barely making ends meet, and it would be impossible to pay he debt off. The person I was speaking to informed me again if it was n't paid she would in turn have my Drivers License suspended. She told me in order to avoid that I would need to pay {$900.00} plus per month. Although I agreed to the payment, I in turn knew there was no way my family and I can afford to pay that per month. I was scared, and did n't know what to do and I was intimidated in setting up the payment arrangement in order to avoid my Drivers License from being suspended. I then called a friend to help me and told him I could pay {$200.00} a month at the very most. I also learned that a judgment had to be obtained before my driver 's license could be suspended in the state of Colorado, but they told me it would be suspended by the end of the month. I 'm really confused on what to do. We 're willing to make payments, and they informed us that they would take them, but it would n't stop them from suspending my driver 's license. I also had a friend to help me, and he agreed to call in and speak on my behalf. He called them, and they informed him the same thing. The rep also told him to tell me to open a Credit Card to pay the debt. There 's no way I can do that. I ca n't go into more debt, just to pay another debt. The company refuses to work out a reasonable payment plan and I feel there 's nothing we can do. I feel we 're being taken advantage of and this has caused emotional stress that 's unbearable. We do n't know what to do. If we ca n't drive we ca n't get to work, buy food for our family, and live.

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 08/21/2017 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: The account was the responsibility of my former spouse XXXX XXXX XXXX XXXX XXXX ), she is responsible per the court order dated XXXX XXXX 2015 Superior Court of California , County of XXXX, Judgement Case number XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. ( Any and all remaining balance to XXXX XXXX Card ending in XXXX ) is the SOLE responsibility of XXXX XXXX. The Judge order states : '' Any and all remaining balance to the XXXX XXXX Card ending in XXXX and any and all debts incurred by her, Defendant, after the date of separation. This order is a matter of public record and I have provided by mail copies of such to Experian, XXXX and XXXX. The reporting credit bureau. refuse to remove this collection from my credit report. As an employee on a XXXX XXXX I must pass security clearance checks.This is a serious threat to my continued employment. Please help. I can provide copies of the judgment upon request.

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 02-08-2017 about Credit card () with AMERICAN EXPRESS COMPANY (MA).
Issue: Advertising and marketing

Complaint: To whom it may concern, I have opted out of prescreened credit card offers permanently through the information provided by the FTC around XX/XX/XXXX. All offers have stopped except from American Express who continue to send me prescreened offers almost weekly. 

Additionally, around XX/XX/2016 I was a victim of identity fraud and as a result I put a freeze on my information through the credit bureaus. I was supposed to stop receiving prescreened offers but again continue to get them from American Express almost weekly. I have contacted the company multiple times, through writing and through phone to no avail. 

I just want these offers to stop as they could potentially put me at risk for more fraud. 

Thanks, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-12-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (IL).
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint: On X/XX/17 when attempting to retrieve our American Express online statement and apply our rewards balance, the on line site stated that our account was locked, but we still would be able to use our card. A pop up came on the screen to contact them at XXXX which we did and they said we needed to reset our pin. We followed these procedures although we had no reason or explanation why it was necessary. We went back on the XXXX site and it said the account was still locked. We entered into in a lengthy chat session during which the person said that the number we called was to reset the pin and had nothing to do with the lock of the on line system. After repeated tries to get the person to understand that we did n't just randomly make up this phone number and that it was the number that popped up on their website when the locked message occurred, I gave up and said I would report it to the FCC ( confused it with FTC ). At this point, he wanted to get a supervisor involved, but I declined. I researched and found the CFPB is the correct agency ( I think! ). I logged back on and got on a new chat to ask if the CFPB was the right agency. After the initial person and supervisor REFUSED THREE TIMES to CONFIRM that the CFPB was the correct agency, I got off the chat. In my opinion, this is a more egregious issue than the initial issue. We now called back to the original number again and the person unlocked the account. Still have no idea why it was locked, but this whole sequence of blunders by XXXX started with the original person not unlocking the account. Their chat support people gave numerous other reasons all which proved false. However, the most serious issue was their refusal to three direct questions as to the appropriate governmental agency to contact.

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2017 about Debt collection (Credit card) with DISCOVER BANK (NC).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Discover is trying to sue me on a debt that 's too old

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Deposits and withdrawals

Complaint: I 'm very frustrated with Bank Of America my husband checks are deposited by weekly and he has the same amount and they do n't want to process my husbands checks because they said to me the check images were bad but that was completely not true and then they said their is a problem with my husbands boss ' bank which is also untrue and come to find out after a 4-5 days the checks go through and the money gets deposited. I recently started working and they are also doing the same thing to me they do n't want to deposit my money until 4-5 days later during this time my bills wo n't get paid on time, I ca n't buy food because we do n't use credit cards we use our bank card or cash, my family needs to eat and buy necessary items that I ca n't buy and my babysitter is n't getting paid or my house is n't getting paid. I 'm a loyal customer to BOA and I have to pay overdraft fees every other week because BOA wo n't credit my checks to my account my over draft fees are now XXXX and counting last time I paid XXXX which happened daily. I do n't want to leave BOA but will do so if my overdraft fees are n't refunded and my checks are cleared by weekly I ca n't afford to give away my hard earned money to BOA this is n't fair to me or my family or to my bills or things I need to buy and my family is n't happy with me and wants these issues with my checks and overdraft fees resolved as I do. I never been so upset and I want to deposit my checks and BOA wo n't let me all of my coworkers are n't having this problem and my husband who is working for the same employer for more than 2 years never had a problem until XX/XX/2015- and currently. Hopefully you can resolve my issues and BOA starts checking my checks properly and never overdrafts me ever again because of you help. I do n't know what to do anymore and tirelessly called but no care in the world from BOA and feel helpless that 's why I 'm turning to you for help because I do n't know what more I can do if I know this is injustice but BOA does n't properly check their customers checks.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 05-03-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ProCollect, Inc (LA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I never received any notice that money was owed to my apartment complex to begin with OR the collection agency they sent the debt to. Until several months later when I checked my credit score online and it showed I owed money. When I called the agency they said they did not say why money was owed and the apartment complex could n't help me either. I 'm not just going to pay that amount of money for something I 'm not even sure what it 's for.

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 02/13/2018 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (MD).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I live in Maryland and was on vacation in Florida for the month of XX/XX/XXXX. 
On XX/XX/XXXX I went shopping at XXXX outlet and purchased {$40.00}. The shop clerk convinced me to open an account so that I could get a discount, which I did. The credit card bill was sent to my home in Maryland. I got home to Maryland on XX/XX/XXXX found the bill from XXXX and put a check in the mail the next day, XX/XX/XXXX for the full balance on the account. 

Today, XX/XX/XXXX I received a bill from XXXX for {$69.00}!! I called their " customer service '' number and was told that my payment was received on the XX/XX/XXXX, which was two days late and I have to pay the {$29.00} late fee. I suggested to the " customer service '' person that this was outrageous and was told " your payment was late and now you have to pay and how is that outrageous ''. Seems like I've been set up and robbed. 

This is a XXXX XXXX credit card

Company response to consumer: Closed with monetary relief
Consumer complaint received 12-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NATIONSTAR MORTGAGE (VA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: They reported us to for being more than 30 days late, but we have NEVER been late with our payment. This has affected our credit score.

I have made 3 phone calls and 3 emails to them

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2017 about Debt collection (Medical debt) with Pendrick Capital Partners Holding, LLC (NV).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a debt collection letter in the mail on X/XX/17 from XXXX XXXX XXXX/Pendrick Capital Partners II. The original creditor is XXXX XXXX XXXX in the amount of {$660.00}. The account number is : XXXX. This debt does not belong to me. I am not responsible for payment for this debt, someone else is. In the letter, it states that Pendrick Capital Partners purchased the account as the collection agency. This letter gives 2 options for payment. Option # 1 was to split the balance in 3 installments. Option # 2 was to reduce the payment to {$400.00}. I an disputing this alleged debt that is reporting negatively on my credit file. Like I mentioned before, I an not responsible for payment of this debt, someone else is.

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Amsher Collection Services, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I have submitted a valid ftc report and police report and this collection agency refuses to comply with FCRA laws

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: EquiFax has fail to update my information after several attempts with them. THEY HAVE FAILED TO PROVIDE ME WITH A FULL ANNUAL FREE CREDIT REPORT AS WELL. I HAVE PROOF THAT THEY ARE SENDING INFORMATION TO MY  PO BOX ,  BUT THEY REFUSE TO PROVIDE ME WITH MY REPORTS AND REQUEST FOR THIS INFORMATION YOUR OFFICE HAS FAILED TO RESPOND TO MY REQUEST FOR REMOVAL OF THESE ITEM ON MY CREDIT REPORT THAT I DID NOT AUTHORIZATION. THIS IS ANOTHER GOOD WILL ATTEMPT BY ME TO RESOLVED THIS ISSUE. I AM SENDING ALL MY COMMUNICATION WITH YOUR AGENCY AND WITH THE COMPANIES OF NO RESPONSE TO THE FOLLOWING LISTED AGENCY ON THIS LETTER.     YOUR OFFICE HAS FAILED TO RESPOND TO A REQUEST THAT MY NAME AND ADDRESS BE UPDATED TO THE FOLLOW :  XXXX   XXXX   XXXX   XXXX  AZ  XXXX  Please remove all the other addresses off my report, as they are not deliverable to me by the  U.S.  post office, and they are not reportable as per the FCRA, since they are inaccurate.     NAMES ON REPORT SHOULD ONLY BE AS FOLLOWED :  XXXX   XXXX    XXXX    HAVE ALSO ASKED YOU AGENCY TO REMOVE THE EMPLOYER HISTORY OF THE  TWO  EMPLOYERS THAT I HAVE NEVER WORKED FOR. YOUR AGENCY CONTINUES TO NOT COMPLY WITH THE FAIR CREDIT REPORTING ACT WILL RESULT IN A CIVIL ACTION LAWSUIT DEPENDING ON YOUR RESPONSE TO THIS LETTER. I MUST REMIND YOU THAT THIS IS A GOOD WILL ATTEMPT TO RESOLVE THIS MATTER NOW IN GOOD FAITH.        XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I recently requested a credit report thru my XXXX XXXX XXXX XXXX on XXXX/XXXX/16 ... I noticed a XXXX XXXX in my name with a XXXX XXXX address that shows that service being used on XX/XX/XXXX thru XX/XX/XXXX that does not belong to me ... I have never lived in XXXX XXXX and I have never used XXXX ... I need to dispute this incorrect information off my credit ... Please assist or advise ...

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2016 about Bank account or service (Checking account) with E*TRADE BANK (TX).
Issue: Account opening, closing, or management

Complaint: I have been waiting for ETrade to return my {$100.00} checking account balance for XXXX XXXX months since requested ( 5 months after I closed the account ). 

I opened an account with ETrade in XXXX 2015. After a few weeks of 'please resend this or that document ' and them losing the documents, I closed my accounts ( checking, brokerage, ira, etc. ). I closed the accounts in XXXX 2015. It 's been 8 months and they still have not sent me the initial deposit I transferred into the account. ( I never used the account, initial deposit = {$100.00}. ) I 've made multiple calls and each time I 've been told a different story. Finally, on XXXX/XXXX/2015, a XXXX XXXX XXXX indicated they would send me a check and it would take about 10 days. Well, it 's been 84 days and nothing. Since I have no checks, no ATM card, and no access to the account, I ca n't do anything but wait.

Company response to consumer: Closed