milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/23/2018 about Debt collection (Payday loan debt) with CNG FINANCIAL CORPORATION (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: Today XX/XX/2017 a woman stating to be with the county of XXXX ( but when asked would not give her name or department ) called my mother on her personal cell phone looking for me, she stated that she had a process server within 30 minutes of my mothers address and that if I wasn't there they would sue my mother. After my mother was hung up on they called her back 5 times, she picked up the phone to tell them they had the wrong number and a gentleman this time said " We know who you are ( my name ) '' when she told them her name his response was " sure you are, we will be there in five minutes you better have photo id ''. 

My mother is XXXX and is in no way financially responsible for any debt I have incurred. I have spoken with this company many times and disputed the debt as I have proof it was paid off. Now they are harassing my mother illegally and causing her and I both undue stress.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (AL).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: Midland Credit are sending these unprofessional people serve papers. When they do n't get there way they become obnoxious and rude. When we told this private and have a no trespassing sign they still ignore. When we told him to leave he holler out the window exposing our business in front of the entire neighborhood. Telling us hope midland credit sue us and take us for everything we have. My husband is XXXX and on a lot of medicine. After this he became very angry and agitated. These put look very unprofessional and always shows up on Sunday. We 've told them not to contact us because we have no original business with this company. I will be filing a lawsuit against these people.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-10-2018 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: Information belongs to someone else

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX  XXXX CA XXXX SSN : XXXX Experian XXXX. XXXX   XXXX XXXX, TX XXXX According to the Fair Credit Reporting Act, you are required by federal law to verify-through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately Name of Account XXXX XXXX XXXX Provide Physical Verification Creditor 1 XXXX C/O XXXX XXXX XXXX UNKOWN XXXX XXXX XXXX XXXX, SC 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 06/25/2017 about Debt collection (Other debt) with Capstone Credit & Collection, LLC. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Ive disputed this debt with this collection agency on several occasions ... They have not sent me or verified the amount I truley owed to these apartments and could not show records of the apartments tenancy after I moved out. This apartment was leased to another individual shortly after i moved therefore I do not owe the remainder of my lease which this company has reported to all the major credit bureau 's for some time now.. collection agency is capstone credit and collections

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I was approved under the General Forbearance XX/XX/2016-XX/XX/2016. Although I have documentation supporting the facts from the service provider ( Fed Loan Servicing ) of the approval they are reporting me late for XX/XX/XXXX, and XX/XX/2016. XXXX, and XXXX updated my credit report manually since I provided the documentation and filed a consumer dispute. however each month Fed Loan Servicing is repeatedly reporting the late payments which in return has caused my credit score to suffer tremendously.

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2017 about Debt collection (I do not know) with Revenue Recovery Corporation (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I recently pulled my credit and discovered that this company has reported that I owe them a debt. To my knowledge I have never entered into a financial agreement with this company and neither have they ever provide me goods nor services.

Company response to consumer: Untimely response
Consumer complaint received 09/14/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XX/XX/2010 we had to short sale our house due to medical issues and financial distress. We had a XXXX and XXXX mortgage. The terms of the short sale ( and what is reflected on our Final Closing Statement ) was that our XXXX mortgage holder, XXXX, agreed to a total loan pay off of {$550000.00} and the XXXX mortgage holder, XXXX XXXX XXXX now XXXX XXXX agreed to close the short sale with a total pay off of {$22000.00}. XXXX agreed only to give XXXX XXXX {$2000.00} from the sale of the house to Discharge the mortgage and my husband and I had to put in another {$20000.00} for it to close. 
XXXX XXXX ( XXXX ) never took the overdue balance off of our credit report ( which shows as {$44000.00} ). Recently we refinanced our new home and had to get proof from XXXX that the account is in fact closed and that our final payment of {$22000.00} constituted a settlement-in-full of that account. 
I would like to have our accounts updated to show that there is no balance due and the account was paid as agreed on our Short Sale Closing Statement. I have attached documentation as needed. 
The account holder as shown on the letter is my husband, XXXX XXXX and our former address was XXXX XXXX, XXXX, CA XXXX. The account number with XXXX ( XXXX ) is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: Disputed several accounts with credit bureaus over 60 days ago, still have yet to receive XXXX letter from them.

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2015 about Bank account or service (Checking account) with BB&T CORPORATION (SC).
Issue: Account opening, closing, or management

Complaint: Someone opened up a XXXX and XXXX account using my bank account. I was not aware of this. When I started my bank account I specified that I did n't want overdraft! I said if I do not have the money then do not pay it and do not charge me a fee. I was told OK. Anyways someone used my bank account on a XXXX and XXXX account I did n't know about. XXXX charged my account XXXX for {$1.00}. I was then charged a overdraft fee twice from the bank. Because of this THEN I found out about it and try and talk to BB & T and I kept getting the run around! Then they tell me there is nothing they can do and they closed my account AND charged me {$30.00} for THEM closing it and now sending me threating letters say I owe {$110.00} or they will send my account I to XXXX so no one else will give me a bank account. I really feel frustrated and bullied here by them!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I contacted National Credit Systems attempting to pay off debt until I found out I was a victim of identity theft. I called to inform XXXX XXXX the collections agent there and obtain identity theft paperwork only for him to fax and return only for him to continue to make threats. XXXX XXXX accused me of lying about being a victim and there is nothing that can be done to help me. I felt very offended by his actions. I asked to speak to manager and his manager said and did the same things. The manager even told me that there is nothing that well every be done to get rid of debt so deal with it.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2017 about Debt collection (Other debt) with STERLING JEWELERS, INC. (CA).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: XXXX   XXXX   is harassing me about a debt that I do not owe. I am a victim of ID Theft

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2017 about Debt collection (Mortgage debt) with National Credit Systems,Inc. (SC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I have disputed this particular debt with National Credit Systems twice in XXXX and XXXX. They continue to send the same letters ( word by word ) and fail not to respond to any of the questions I included in my dispute and is stating this account is paid in full but is negatively impacting my credit report. First and foremost, I do not recognize this debt AT ALL and not aware as to why they are collecting. In both of my dispute letters, I have asked for the following : *The original application or contraction *Any and all statements allegedly related to this debt They have FAILED to provide any of the documentations in both dispute letters. This collection is inaccurate and is a MAJOR VIOLATION of the FCRS and FDCPA. I have asked for this debt to be deleted due to non-sufficient proof, but it is still negatively impacting my credit score and not able to provide a better life for my family. Please investigate this and I demand for this information to be deleted as quickly as possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2015 about Credit reporting () with EQUIFAX, INC. (LA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: On XXXX/XXXX/2015, I spoke with XXXX XXXX XXXX Collection Supervisor ) of XXXX XXXX XXXX. I was told by him if I were to pay two collection items, XXXX in the amt of {$250.00} each, he would email me a letter of deletion to submit to all 3 bureaus. XXXX told me to send the letter over and the items would be deleted from my credit report. As advised I sent the letters provided to the 3 bureaus, and on XXXX/XXXX/15 I contacted Equifax to find out the status of the deletion. The representative from Equifax advised me that they contacted XXXX XXXX XXXX and they told them to update my report showing on of the XXXX items has a {$0.00} balance and update the other one as having a balance of {$200.00}. When I researched my receipt from XXXX, they XXXX show I paid two payments of {$250.00} which left a {$0.00} balance on the accts paid to XXXX XXXX XXXX. When I explained to the rep at Equifax that the item for {$200.00} to the same company XXXX XXXX XXXX, its a totally different account number, she stated that the rep at XXXX told her it was owed on the acct I previously paid. I then went back to my Equifax Reinvestigation Results dated XXXX/XXXX/2015, and it showed the item in the amount of {$200.00} for XXXX XXXX XXXX was deleted from my account in that investigation. It seems XXXX XXXX XXXX has placed and item that was deleted from my report to an item that I have already paid and have proof it has a {$0.00} balance. On top of this fraudulent activity that has be readded to my credit report under a paid items acct number, XXXX XXXX at XXXX did n't uphold the terms of our agreement, which was to give a full delete of XXXX items paid. I would like this investigated and all XXXX of the items deleted from my bureau as agreed upon by the reporting company XXXX XXXX XXXX Supervisor XXXX XXXX. I have attatched the email receipt from XXXX XXXX XXXX showing the acct was paid in full, my Equifax Reinvestigation Report, showing the item for {$200.00} with a totally different acct number was deleted, My most current credit report showing the {$200.00} was placed under an acct that has already been paid, My XXXX bankstatment showing I paid {$510.00} ( which is {$250.00} XXXX ) to XXXX in XXXX, and also the deletion letter XXXX XXXX provided to me by email after paying the items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/27/2017 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (TN).
Issue: Deposits and withdrawals

Complaint: I have been banking with Suntrust for a few years. I have two checking accounts and savings accounts. I have my payroll direct deposited every two weeks in my account. I use my debit card for all my purchases. Recently my account was froze on XX/XX/2017 for some unknown reason. I am not able to make purchases, or pay any bills since my bank account has my funds in it. I have not received any correspondence in the mail regarding my back account. No one online or in person seems like they can help me, or tell me why my account is like this. I have my income tax being deposited in my account in the next two weeks and it looks like I will not be able to get that money since my account is blocked. That will be another 3 months to receive a normal check. Meanwhile I am depending on the check to help me pay off some loans. I feel like I am being treated unfairly. These funds are my funds and they should not be able to freeze them for an account review without a reason of why.

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 04/18/2016 about Debt collection (Payday loan) with United Debt Holdings, LLC (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: A company called XXXX called harassing a friend to get to me. On a payday loan that is 3yrs old. Said they were send it to the court to have me arrested. I tried contacting the collection agency that has it with no luck yet. I dont know who this XXXX is.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Midland Credit Mangement reports inaccurate and non-sustainable information after formally requesting by certified mail pursuant to the FTC XXXX XXXX XXXX. XXXX ( a ), to provide any legal instrument bearing my signature which supports the continued reporting of this alleged debt. The company has reported inaccurate and non-substantiated amounts from {$6.00} to XXXX credit reporting agency to as high as {$610.00} to another. Upon speaking with the Company 3 weeks prior I was advised that this company no longer has this account and it was sent to XXXX XXXX XXXX. This company continues to report to XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX/XXXX/16 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Account Number Num : Balance {$190.00} Sir or Madam, I am writing in regards account XXXX XXXX XXXX XXXX on my credit report. I have filed a complain to the CFPB, that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I must remind you that in my previous letter I requested the following information : ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) ( 5 ) Provide the actual Bills Statements ( 6 ) Payment Receive I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the national XXXX. 

XXXX 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 non-monetary relief
Consumer complaint received 04/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
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 's customer service would not help and take care of the negative inquiries reporting on my credit report. Several certified letter where sent advising that the inquiries where not authorized by me and are listed below. 

XXXX XX/XX/XXXX XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 06/20/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (GA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: On XX/XX/XXXX I used my Wells Fargo Visa credit card to purchase a XXXX XXXX XXXX trip that I was solicited via telephone. When speaking to the sales person I inquired about the various places I would like to travel to, for example XXXX, XXXX, XXXX, and XXXX. I was told yes they had resorts in those locations so I proceeded to purchase the package for {$1100.00}. This was the first time I used this credit card. I called the credit card company on the day I made the purchase because the card was turned down. In speaking with the credit card customer service I asked if I changed my mind in a couple of days could I cancel the purchase, this was on a Friday evening so I had the weekend to change my mind. That Monday morning I called the credit card company to cancel the purchase because I had recieved an email with the various resorts they offered. None of the locations I had requested was included in the resorts. When I called XXXX XXXX XXXX about my concerns I was told they may offer resorts in the areas I was interested in at a later time. I informed them I wanted to cancel my trip. On that same day I called my Visa Credit card and requested they cancel the purchase. I was told that the purchase did not show on the card and that they would cancel but I should follow up in writing. I faxed them in writing the reason for my cancellation. In XX/XX/XXXX the charge was deleted from my account. In XX/XX/XXXX this charge reappeared on my XX/XX/XXXX billing account. I called the Visa Wells Fargo to see why they put it back on my account. I was told something about a third party charge and they would not take it off. They insisted that I use the trip. When I tried to book my trip around XX/XX/XXXX ( trip expiration is XX/XX/XXXX ) I was told by XXXX XXXX XXXX that my trip was under dispute and I could not book it. Once again I contacted my Wells Fargo Visa credit card company to help me resolve the dispute issue. On a three way recorded call the credit card company told the Vacation sales person that they had charged me the amount and they had been paid. After much discussion, the credit card company agreed to send written documentation that they had paid the trip and that I was being charged. I still have problems about getting information on the various resorts and what is offered at the resorts they offer. I no longer trust this company and because I had initionally requested the credit card company cancel this charge ( before it was charged to my account ) it should be removed from my credit card.

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 monetary relief