milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/13/2017 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (AZ).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: I have two debts that are over  7 years old . My husband left me in  XXXX  and I stopped paying our credit cards. The divorce was finally completed in  XXXX  where they granted him this debt and it is specifically noted in divorce. He moved to   XXXX  .  <P/> I have cleared up most and made agreements to clear the debt. But the remaining balance sits out there and did not get written off.  <P/> Years later and I have re-married and bought a house but these were brought to my attention as a credit counselor tried to help me clear them.  <P/> I just received a letter from  XXXX  wanting the balance  XXXX  for something that is in a divorce agreement and was back in  XXXX .  <P/> Also a very ugly company stating they are an attorney,  XXXX   XXXX   XXXX  are trying to get a balance of  XXXX  going back to  XXXX  of  XXXX  which is the last statement they have from capital one. They call me every day, multiple times a day. They even called my fiance, and told them of my debt and he has nothing to do with this account. Lucky he is still marrying me.  LOL!  These are both on my divorce agreement and I have not heard from any of them until now. Do they have the right to come back on me for these.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
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 been trying to contact Equifax about the fraud accounts on my report and no one will help me. They keep adding things on my credit report that is fraud and I am a victim of identity theft. They have removed somethings but then they add it right back. I also sent in several police reports and they are still not blocking the accounts that are fraud. They are violating the fcra and me as well. I am a victim of the data breach as well as identity theft that was also sent to the hackers and they keep wanting me to send more of my personal information to them so that the hackers can keep stealing my information. I just want them to block the fraud accounts that are on my police report and they are not doing what is required by law. I need this resolved imediately.

Company response to consumer: Closed with explanation
Consumer complaint received 04/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I have requested proof of the debt within 30 days and received no response and in addition the alleged debt is over 10 years old and they failed to remove the items from my credit report even though my wages has been garnished for over 10 years and no missed garnishments. THIS IS FRAUD

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 08/26/2016 about Money transfers (International money transfer) with XOOM CORPORATION (NJ).
Issue: Other transaction issues

Complaint: Hi, On the XXXX/XXXX/16, I hired a Xoom Money Transfer to take care of a international money transaction. here is what happened ; I loged in the Xoom Web Site and requested the money be deposited in the savings account to a person in XXXX ( PS : the savings and checking account are the same number but when making the deposit there is a option where you want the money, saving or checking ) and they made the deposit in a checking account. The person that was expecting the money called me right away when he got the message on his cell phone saying the money was in his checking account, immediately I got in touch with the Xoom Money Transfer saying the money was deposited in a wrong account ( checking account and not to the saving account as requested ) and they told me not worry about it because they was going to refund the money. The reason I request the saving account was because the person in XXXX owes money to the bank and he cant do any transaction with the checking acccount until he resolve the situation. A day after, the Xoom Customer Service asked me to provide an bank statement to prove the checking and saving account are the same number, traying to justify the error ( that sounded as something is wrong ) but again, the customer service attendent said not to worry about it, and another day is gone. Today XXXX/XXXX/16, after 2 days on the phone, basically all day long, they told me that probably their partner made a mistake, the transaction was to checking account and not to savings account and asked me to appolagize them but they could not do anyting. I got so up because I made businnes with Xoom Money Trasfer and not with their partner and also because I called them immediately after the person noticed the money was in wrong account and they could had the transaction cancelled in the same day. Now I m having hard time with the person in XXXX, he is asking me to make a new transfer. Ps. The Xoom Money Transfer customer attendent confirmed that my request was to make the money transfer to a savings account and them I asked for a copy of conversation records but they said is not allowed to provide the records. All I want is to ghet the money in the account that was required in firt time. I cant be responsible for somebody elses mistake. Thanks

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/31/2017 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I was a customer of XXXX. After XXXX bought XXXX my bill started going up on XX/XX/XXXX. I called XXXX several time to complain about my bill. They failed to do anything about it. I was under a contract till XX/XX/XXXX so I did n't want to cancel. In XX/XX/XXXX, I called XXXX to return 2 of the 4 receivers I had, so I could save money. The next month I received a bill of {$810.00}. I called XXXX immediately. I was told that the previous representative cancelled and restored my service and the account would be credited back for the early termination and prorated charges. The next month came and I did n't see any credit. I called XXXX they said it can take 2-3 months for the credit to show. In the meantime, I was getting late charges for the balance they caused and I had promotional offers that were removed for my account that I was supposed to have till the contract ended on XX/XX/XXXX. I wrote to the corporate office. When they finally wrote me back they promised me they will credit me for there mistakes and inconvenience. On XX/XX/XXXX I still did n't get all the credits I was promised so I cancelled since my contract was over. In XX/XX/XXXX I was checking my credit report and saw a {$300.00} collection from XXXX and past due history for 30, 60, 90 and 120 days. I have several emails from the corporate office of XXXX I can forward to whoever will be handling my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with The CMI Group, Inc. (MD).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: I received a phone call on XXXX/XXXX/2015 about a balance of n XXXX dollars that I owe from a Company by the name of XXXX XXXX ( cable service ) Acct # XXXX and I never lived at the address that was told to me and was told that the service was disconnected on XXXX/XXXX/2015. I 've never lived in that area before and now I live in the state of XXXX, but have lived in XXXX, but not XXXX where the cable business is located. I want to report this soIwant be responsible for something thats not me and someone has used my information without my knowledge.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/24/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: While checking my XXXX credit report. I discovered that a collection has been placed on my file for {$1900.00}. I personally contacted collection agency IC SYSTEM, XXXX XXXX, XXXX XXXX, MN XXXX, disputed the validity of the debt and requested under Fair Debt Collection Act ( 15 USC 1692g ), and requested that the Company provide me with any signed contract as well as billing invoices of the said unpaid bill within allowed time under the law. Upon belief and information, this account does not belong to me and/or may be as direct result of ID THEFT.It`s paramount that an investigation be conducted to determine the validity of the account. 
IC SYSTEM deliberately ignored my requests and has continued to proceed to collect on an unlawful debt without just cause, and as a direct result has caused me serious economic hardship and inability to secure employment or housing and/or obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Fraudulent attempt to open a credit card in my name - Called and stopped application. 
However, it took XXXX XXXX 6 months to have removed This time on XXXX XXXX, XXXX the same event occurred again. I called and stopped the application but XXXX XXXX failed to call me first ( Had a credit alert in place at the time of application ) and as of today XXXX/XXXX/XXXX failed to removed the hard hit from my credit report. I have spent over 8 hours over a 5 month period and have complied with their directions and faxes. 
I need help with XXXX XXXX to comply with the 90 day limit for removal.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/20/2015 about Debt collection (I do not know) with GMA Investments, LLC (CO).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: They will not validate said they filed suit with court and Was very aggressive And I called the court and no suit Was filed

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
Issue: Problem with fraud alerts or security freezes

Complaint: Equifax announced on XXXX XXXX criminals stole personal information on up to 143 million people. This data that includes names, birth dates, Social Security numbers, addresses and driver 's license numbers will most likely be sold on the dark web and used to commit identity theft, credit fraud, tax fraud, fraudulent authorization data ( contacting your bank or credit card company impersonating you ). I went to their website and they stated I may be affected. When I went to their site to put a credit freeze on my account they want me to pay {$5.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I had a property in XXXX, Oregon with a mortgage with XXXX XXXX Bank XXXX Indiana. An XXXX Deed was filed on XXXX XXXX, XXXX. Per the recorded XXXX Deed ( deed in lieu of foreclosure ), the bank owned the property as of that day. XXXX XXXX Bank XXXX Indiana sold the mortgage to XXXX Bank. XXXX Bank ignored the recorded XXXX Deed, and proceeded with foreclosure of a property that is already owned by the bank. I attempted to contact XXXX all XXXX credit bureaus multiple times, and was unsuccessful in getting any of them to respond and properly report the mortgage status on my credit reports. It took XXXX FIVE YEARS to finally finished the foreclosure of a property they already owned in XXXX. At that time, the credit bureaus updated my credit report ( 5 years after the recorded XXXX Deed ) that the mortgage was foreclosed. The incorrect handling by XXXX and the XXXX credit bureaus have caused significant impact to my credit standing and ability to obtain loans.

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 11/19/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I am outraged that Trans Union continues to reinsert an account that has been paid in full, closed, with a zero balance. My account with XXXX has previously been reported as having a balance of over {$190000.00}, only to have me report the inaccuracy, followed by Trans Union correcting the record, only to have Trans Union subsequently re-report the account as open with over a {$190000.00} balance, only to have me once again send in documents to prove that it is closed, paid in full, with XXXX balance. I am angry and tired of having to go back and forth. For the last time, I an attaching documents proving that this account is closed, paid in full, with a XXXX balance. The next time Trans Union fails to properly report this account I am filing suit in federal court for the XXXX XXXX of Virginia.

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 12/19/2017 about Debt collection (Auto debt) with SANTANDER CONSUMER USA HOLDINGS INC. (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I contacted this collection agency back in XXXX/ XXXX/ 2017 regarding the validity of this account. According to my FCRA & FDCPA rights, the company has 30 days to verify debt or it must be deleted. I have never received validation.

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: After XXXX tries to get EXPERIAN to correct information erroneously filed by XXXX XXXX XXXX re a late payment in XXXX 2014 for my home loan they have told me I have to wait another 30-45 days before there is a final final decision. My home closed, sale was funded and XXXX paid in full XXXX XXXX, 2014. I did NOT own the home in XXXX, CA in XXXX 2014 so could never have a late payment. I sent them a copy of the Full Reconveyance on the deed that was notarized XXXX XXXX, 2014 and recorded. This error by B of A has been on my credit report erroneously for 1 year. I want it finalized. The other XXXX credit reporting agencies took care of it immediately. EXPERIAN said the deed was not sufficient. I am tired of this and think their lack of remedying this problem is beyond terrible. I want it taken care of. I have been fighting them for over three months since I found out about the error. 
If you want a copy of the deed I can send it to you. PLEASE help me correct this ASAP. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/19/2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Equifax Report Personal Information : Please remove incorrect name : XXXX XXXX XXXX from credit report Address : Need address corrected from XXXX, VA XXXX to XXXX XXXX, VA XXXX XXXX Two addresses need to be added to credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2017 about Debt collection (Credit card) with The CFM Group (ID).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: On XX/XX/2017, I was contacted by an individual who told me they were serving me summons papers that I would need to sign for. She then gave me a toll free number to call to find out what the papers were regarding. I then contacted XXXX First Management out of California. They told me that XXXX was filing a civil lawsuit against me in XXXX County, Idaho and that I needed to either pay a settlement of just over {$2100.00} or be sued for over {$6000.00} plus court costs and fees. They threatened to garnish my wages, put a lien on my property, report this to the credit bureaus and require me to spend time in court if I did not settle immediately. I paid the settlement amount with a credit card before looking up consumer debt collection laws because they were threatening me and I was terrified of what a lawsuit could do to my credit and my family and my job. I called the company back and told them I believed what they did was illegal and I would like to cancel the payment to them. They then told me that a " tolling statute, '' allowed them to pause the statute of limitations and therefore, they could sue me and it would be totally legal. I would like to be refunded my payment of {$2100.00} since they collected it from me illegally by threatening to sue me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Ability Recovery Services, LLC (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX failed to properly submit student loan documentation causing student loan to fail to be approved when it should have been. This failure by XXXX caused cancellation of enrollment. After cancellation, XXXX fraudulently charged a " technology fee '' which their attached letter states " Designates CHARGE not yet due ... This bill does not reflect pending financial aid. '' The XXXX letter also states " Previous Balance : {$0.00}. Current Balance '' {$0.00}. Amount Due {$0.00}. '' However, after XXXX XXXX failed to properly process the Financial Aid application and enrollment was cancelled, it properly canceled the " Future Balance : {$1700.00} '' and increased its phantom " XXXX XXXX Fee {$150.00} '' to {$180.00}. XXXX University and its unethical collection agency are inaccurately reporting to the credit bureaus that {$180.00} is due when no money is due after XXXX XXXX 's failure to process the financial aid package which directly resulted in the cancellation of enrollment in the XXXX Fall Semester and all subsequent semesters.

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (PA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Portfolio Recovery Assets is trying to collect on a XXXX debt. I did have a XXXX account at XXXX time, however, the amount owed does not match what was owed, at all. I have told them this repeatedly. First, I did not get notice that they took over the debt when they did so, so I could not ask for Validation within the first XXXX days. Secondly, I have asked for validation for XXXX years now, and they only send me an electronic file with general information. I have specifically asked for the account history so that I may try and recognize this account is mine, and if so, that the dollar amounts are correct. I say this because my original credit limit with XXXX was only XXXX. The last balance owed was not near this amount at all, maybe XXXX. I have asked PRA to provide some kind of original documentation that CLEARLY states this is my account, i.e. transactions, and how the XXXX dollar amount was come up with. They have not done this. 

I called them again last week, and was told that the last certified letter I sent was sent to the wrong address, I sent it to XXXX XXXX XXXX, and the PRA employee stated it needed to go to XXXX XXXX XXXX. She told me I had to send in a new letter to the XXXX XXXX address. However, I sent it to the exact address in my credit report, and someone from PRA did sign for the letter as I have the receipt. I told her this, and all she could say was, " its a new year, send in a new letter ''. I feel this company is doing everything possible to avoid providing the proof I requested, by all these stall tactics. I want to get this resolved, and am not getting anywhere with them. I feel that if they are demanding this amount of money and from me that they need to prove ownership without a doubt since there is an issue with the dollar amounts. There is also something on XXXX of my credit reports starting in paid {$100.00} on this account XXXX 2013 and XXXX 2013, which I did no such thing. Can you help me get the information I need, or can you help me get them to delete this from my credit reports if they truly can not prove it is my debt/ and or the accuracy of the amounts owed? Note : I have tried to dispute this through all XXXX credit reporting agencies and got nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2017 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (IN).
Issue: Loan modification,collection,foreclosure

Complaint: OCWEN LOAN SERVICING , LLC . I have fallen behind on my mortgage due to being laid off. Since XX/XX/2016 I have been trying to get a modification. I am given the run around, they request the same info, letters, paperwork over and over. Always say my application is incomplete. They are now sueing me and taking me to court to Foreclose on my home without offering me any kind of payment plan or any kind of modification options. I have already written my Attorney General 's Office and I am awaiting their response. This company has been repetedly sued, they have an F rating with the XXXX with a negative score of XXXX %. They have taken so many people 's homes using unfair and fraudulent practices. Someone please stop them.

Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (MI).
Issue: Loan modification,collection,foreclosure

Complaint: Wells Fargo obtain my mortgage a few years ago and during this time fraudulently placed my home in foreclosure by stating that I never made a payment to them which was n't true. I was instructed by a lawyer to file for bankruptcy to prevent them from doing this. This process will force them to acknowledge the payments I made and prove their claim. An appraisal was performed on my home that was authorized by Wells Fargo which raised my insurance to an astronomical amount that exceed the worth of the home, I have no legal grounds to fight this new tactic by Wells Fargo,

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