milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/20/2017 about Debt collection (Other debt) with COLLECTIONS USA, INC. (LA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: I noticed that you are reporting inaccurate data - such as : REPORTING AN ACCOUNT AS A COLLECTION ACCOUNT MULTIPLE MONTHS IN A ROW WHEN AN ACCOUNT CAN ONLY GO INTO COLLECTIONS ONE TIME. NOT 4 TO 24 MONTHS IN A ROW LIKE YOU ARE REPORTING IT!!! AND NOT AS A BRAND NEW COLLECTION EACH MONTH ... YOU HAVE REPORTED THESE ACCOUNT INACCURATELY LONG ENOUGH.. .REAGING OF AN ACCOUNT IS A MISREPRESENTAION OF MY CREDIT HISTOR-Y ... XXXX so DELETE THESE ACCOUNTS NOW!!!! PLEASE!!!!! I have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit worthy people by reporting erroneous false information. Under the FCRA, the following applies to me XXXX Louisiana Laws Civil Code CC 3494 Actions subject to a three-year prescription Universal Citation : LA Civ Code 3494 SECTION 2. THREE YEAR PRESCRIPTION Art. 3494. Actions subject to a three-year prescription The following actions are subject to a liberative prescription of three years : ( 1 ) An action for the recovery of compensation for services rendered, including payment of salaries, wages, commissions, tuition fees, professional fees, fees and emoluments of public officials, freight, passage, money, lodging, and board ; ( 2 ) An action for arrearages of rent and annuities ; ( 3 ) An action on money lent ; ( 4 ) An action on an open account ; and ( 5 ) An action to recover underpayments or overpayments of royalties from the production of minerals, provided that nothing herein applies to any payments, rent, or royalties derived from state-owned properties. 
Acts 1986, No. 1031, 1. 

civil code sec. 2 art. 3494 Louisiana Also I would like to state you keep deleting accounts and then the creditors add them back to my credit and re age debts that are in fact 3 + years older and also none of the creditors are registered in the state of Louisiana. I have provided proof were accounts have been deleted and creditors are illegally adding accounts back as new accounts. I have also provided proof that you are reporting accounts open that have been charged off and in my state prescription which is only allowed there Years ... do whats right and delete these accounts as you are reporting false documents!!! 
The following accounts listed on my credit reports as follows XXXXXXXX XXXX provide me with a lease.. never lived in XXXX and company that us collections is trying to collect debt for is no longer in business.. Ive contacted this company no response. They cant provide a lease this is not me. 3 year remedy here in Louisiana where I have lived for 5 years. No contract

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2016 about Debt collection (Non-federal student loan) with EOS Holdings, Inc. (NJ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: My total monthly payments are not accounted for towards the overall total amount I owe. I make a $ XXXX monthly payment, but the overall total amount is only {$300.00} ( give or take ) less from the previous month. When I called the debt collection agency ( EOS CCA ), I was informed that once my payment is made, the payments are directed to XXXX to be allocated amongst the loans and that XXXX is probably charging an additional 7 % daily interest rate ( yes, a 7 % additional daily interest rate ). When I called XXXX to verify how XXXX is allocating the monthly payments made, as well as, if XXXX was in fact collecting an additional 7 % interest on my overall amount. XXXX informed me that any questions that I had regarding my debt and how the payments were split among each loan, would need to be addressed with EOS CCA, because EOS CCA handles all the payments. XXXX informed me that they only receive a monthly statement of the overall loan. 

In XXXX XXXX, I requested from EOS CCA to send me an overall payment history from XXXX. The total amount of payments I had made up to XXXX XXXX, amounted to {$59000.00}. I was never given an overall total amount when I first was placed in collections, however, I believe the overall total amount that I owed was {$130000.00} ( give or take ). As of XXXX XXXX, even with my total overall payments from XXXX XXXX XXXX amounting to {$59000.00}, the overall total amount that was owed as of XXXX XXXX was {$100000.00}, which means only about {$24000.00} has been put into my total overall amount owed. 

When I had asked EOS CCA where the remaining {$34000.00} was and why all of the monthly payments was not fully accounted for, that is when EOS CCA referred me to XXXX and XXXX referred me to EOS CCA. 

Just as an FYI, I have kept every monthly payment reminder that I receive since being placed in collections ( except from XXXX XXXX XXXX which those payment reminders have been lost ). In XXXX XXXX, EOS CCA started to include the overall total amount that I owe, with a breakdown of each individual loan principal amount, individual interest, individual collection fee, and individual overall balance, which amounts to the total overall amount of what I owe for everything. Aside from that, there is no other documentation or summary that may explain where the remainder of my monthly payments are being distributed into.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Problems caused by my funds being low

Complaint: I had XXXX checks deposited into my bank account on XX/XX/XXXX This deposit was not placed on hold i did not receive a hold notice of anytime. the checks that were deposited were sent from a company to be deposited into another bank of america account. which i did once the funds cleared on XX/XX/XXXX later after i check my bank account and XXXX of the checks were placed on hold. i called bank of america and they told me that i was going to receive mail advising me of that hold. to my understanding when any item is placed on hold i am suppose to receive a hold notice and i did not receive XXXX. the representative said there is nothing he could do and there was a hold. The representative seemed to not care much and told me id have to come up with the funds to pay the bank back. I am a victim of fraud at this moment because i was advised to deposit those checks take the money out and deposit into another bank of america account. XXXX in your system will show exactly what account it is in and i feel like you guys could do way more to help me with these scammers. Not only that I was never told about this hold i received a copy of the deposit receipt and on there it does not show a hold. From what i know i am supposed to be advised about any hold and i was not this would of avoided the other transaction.

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
Consumer complaint received 10/23/2016 about Bank account or service (Other bank product/service) with First Data Corporation (NV).
Issue: Using a debit or ATM card

Complaint: Money was taken off my account from XXXX I did not sign up for that so how do I get my money back

Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
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 sold my house and paid  XXXX   XXXX  the full amount of the balance due for the mortgage and the equity line of credit in   XXXX  2015.  The bank reported it as repossessed or foreclosed. I sent the  XXXX  credit reporting agencies a copy of th e HUD1  from the home sale indicating that the bank was paid in full. The credit reporting agencies did not fix it. Multiple calls to the bank were unsuccessful in correcting the situation and it has been affecting my credit f or two years  now. I am unable to get this fixed. Please help.

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 12/16/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Equifax responded to complaint # Case number : XXXX saying they did n't have a dispute on file for the XXXX which is false, please see attached response from Equifax where they deleted the information from my credit report. This information was later reinserted in violation of the FCRA, even though its fraud and was removed as fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2017 about Consumer Loan (Vehicle loan) with American Credit Acceptance, LLC (TX).
Issue: Managing the loan or lease

Complaint: On XXXX XXXX, 2016, my vehicle was a total loss, which was reported to American Credit Acceptance. I had full coverage insurance with XXXX insurance, and XXXX insurance, which paid off the {$10000.00} balance. American Credit Acceptance insisted I still pay the monthly payment of {$270.00}, which I finally did, because they reported a 60 day late on my credit. I am requesting that this late charge be removed from all XXXX credit bureaus. There was no payment even due when the vehicle was declared a total loss. They have reduced my credit limit by XXXX points. Account # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2017 about Payday loan, title loan, or personal loan (Personal line of credit) with WELLS FARGO & COMPANY (CA).
Issue: Getting a line of credit

Complaint: I had received an offer for a personal loan  from Wells Fargo,  which is the bank where I have an open active account since   XXXX  . I went to apply for a personal loan of {$10.00}, they told me at the bank during the application process that I ha d a credit score  of  XXXX  and that the system was reporting a 9 % of interest for my loan but the decision was still pending so I need to wait a few days.. after 4 days they call me back to ask for my legal status, which is   XXXX   XXXX  . That same day I received a phone call from my personal banker informing that  Wells Fargo was rejecting my application due to my legal status. I would like to file a complain for disc rimination because I have all the conditions to have that loan but just due to I 'm not a permanent resident in the USA i was n't given the opportunity of that personal credit. And on top of that now they hurt my  credit score for  nothing!!!!

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 10/26/2016 about Consumer Loan (Installment loan) with Navient Solutions, LLC. (CA).
Issue: Taking out the loan or lease

Complaint: A person took out a student loan in my name. This is fraudulent activity. Below is the letter I am sending today : XXXX XXXX, 2016 Navient Attn : Fraud Department XXXX. XXXX XXXX XXXXXXXX XXXX RE : XXXX XXXX Fraudulent Activity Against Me by Navient Dear Fraud Department : Today I was contacted by a Navient representative regarding Account # XXXX with an address as follows : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I have never lived at this address nor do I know anyone who lives at this address. Remove me immediately from this fraudulent loan. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX cc : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2015 about Debt collection (Medical) with AmerAssist A/R Solutions, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have tried repeatedly to prove the debt is not mine. I do n't know if someone with the same name or close to the same name as me used this service or what. I am not the responsible party for this debt. In fact, it is the only open debt on my credit report. I do n't know what else to do. I have all my debt paid and I refuse to pay for something that is not mine and it 's the only thing hindering my report. This is not my debt. Please help.

Company response to consumer: Closed
Consumer complaint received 08/16/2016 about Debt collection (Medical) with Merchants Credit Corporation (WA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: We were attempting to ONLINE pay one of two debt listed with the collection agency. Their online system does not allow individual debts to be paid, they are forced to be consolidated. I attempted to pay the XXXX XXXX XXXX debt ( the lower amount ), but the option to receive confirmation of either debt paid will not be reflected, neither debt is shown paid. If one debt is in being challenged, they force you to pay both in order to get the other addressed and off your credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2017 about Student loan (Federal student loan servicing) with EdFinancial Services (IN).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Ed Financial has admitted to me twice now that their fax lines are not working correctly, but they have refused to communicate this to borrowers who are required to submit forms where fax is an option. It is not noted on their website, nor have they sent out mail or electronic communications. I 've faxed in required documentation twice and they continue to not receive the information. This is an unfair, deceptive and abusive practice that will lead to borrowers to pay higher repayment fees when they have done all they were requested to do to maintain their IBR program status.

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Account opening, closing, or management

Complaint: Received a letter from BofA on XX/XX/XXXX, dated XX/XX/XXXX, stating that as of XX/XX/XXXX they would no longer be my servicer, and that they would cease processing any payments. Told me my new servicer is XXXX XXXX XXXX, in FLA. Contacted XXXX, and as of XX/XX/XXXX they had NO record of my account. They ( BofA ) did the same thing last year after I filed a CFPB complaint. CFPB closed that complaint, stating BofA was no longer my servicer. Two weeks later I got a letter from BofA saying that they had decided to remain my servicer. Not sure to whom to direct this complaint, as BofA changes their tune each time a complaint is filed.

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 08-09-2016 about Debt collection (Medical) with Ability Recovery Services, LLC (NM).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Received a phone call, tried to ask to validate the debt and was yelled at to pay right away. Repeated phone calls after telling them I would call back when I validated the debt. Threats of a law suit and reporting to the credit agency the next day if not paid. No contact was made prior to this.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Innovis (VA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Hello : On XX/X/2017, I disputed INCORRECT ( address ) information on my INNOVIS credit report. I specifically, I provided tangible and legal documents with detailed information and proof ( both personal information & information as PROVIDED and REPORTED by the creditor ). I specifically, addressed/highlighted the incorrect information which had to be correct. My residence is a single family HOME and they report an apartment, which is completely inaccurate and non existent. On XXXX/XXXX/XXXX, I received information that the dispute was completed ; however, the address is still appears incorrect. I am aware under Federal guidelines that ( 1 ) either the information is corrected and/or ( 2 ) info be deleted in unverifiable. I am seeking source information, as still the info is not valid, accurate, or even verifiable ... because it does n't exist. Clearly, their is a disconnect with the Innovis as the repository was not only provided the correct, legal proof, regarding my inquiry ; but, also was provided the exact proof as indicated, provided and reported by/from the creditor. Your assistance is greatly appreciated to rectify the issue ASAP, as it is incorrect and further damaging.

Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AR).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Filled out application online for cheap car loans . .   XXXX   compa nies did a credit check without asking my approval.

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 01/16/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (MI).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: {$150.00} dollar payment was made on XX/XX/XXXX to Barclays Bank Delaware from XXXX XXXX Checking online bill payment ( to be 24 hours to process ). 

Today on XX/XX/XXXX at XXXX EST Barclays Bank still has no record of this payment, which is due by XX/XX/XXXX. 

Yet XXXX has record of this being paid. I gave this information to Barclays Bank XXXX with a bank transaction ID number, I also have a Trace Number from the proof of payment document that I printed from the XXXX Web Site, but Barclays Bank still ca n't find a pending of completed payment. The {$150.00} has been deducted from my XXXX account and I have the proof of payment document. 

I am also having a balance transfer to XXXX that is completed from XXXX and not showing even as pending with XXXX. This transfer must also show by XX/XX/XXXX. It was for {$10000.00} on XX/XX/XXXX. Currently I have this balance showing at both XXXX XXXX  and Barclays Bank, so I owe twice as much as I really do, right now ....

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 05/23/2016 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (CO).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: This company employs very verbally abusive people to yell at those they call. They threaten, mock, interrupt attempts to speak, and refuse to listen to requests for change of venue for paperwork served. They hung up on me several times when I just wanted to request a change of venue. When I said I would dispute the charges, they again hung up after yelling at me.

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 04/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: XXXX   XXXX   XXXX  vs  XXXX  's  XXXX . I have contacted  XXXX  's over  20 times to   remove a 30 day late on 10 years of membership. I was treated cruelly by Customer Service Reps. The late reports as  XXXX    XXXX  . I have repeatedly explained that I have never made a late payment on any account on my report. At this time in   XXXX  , my brother had recently died young and horribly from  XXXX   XXXX . My mother was in final stages off   XXXX   XXXX   XXXX  and I was caretaker. My daughter was volunteer teaching on the remote   XXXX   XXXX   XXXX   in SDakota. I got an emergency call that my daughter was extremely ill and needed to be taken to a real hospital ( not medicine man  ) imme diately. I did that but brought the  XXXX  bill with me and sent it out on time. I have been repeatedly told by  XXXX  that the death of the family members at that time was not if any importance to them. They said my fear to be with my daughter across the country on a reservation with third world country health care, was totally inconsequential to them. Every time I asked for a goodwill adjustment due to so much health  XXXX , they said  XXXX   XXXX   XXXX  has no good will. It is possible that because it was sent from   XXXX   XXXX   XXXX  , it could have been delayed. M y credit score has   been severely damaged by this but my faith in people is damaged as well. I have never been spoken to in suc h s demeaning  way, emohasizing that their payment was worth more than the lives of my brother, mother and daughter. I am crying as I write this and cried many times after speaking with their ultra disrespectful customer reps. Please help me so that all this torment leads to the removal of that negative information. I am buying a house and I look irresponsible by being late.  XXXX   XXXX  never did show proof that it arrived late but just kept saying that they absolutely would not remove derogatory no matter how many died or the fact that I never paid late in 10 years. The customer representation at this company is inefficient and inhumane

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