milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/20/2018 about Debt collection (Other debt) with Resurgent Capital Services L.P. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: XXXX XXXX was sold an account from XXXX XXXX and has been reporting Account number XXXX with a amount due of {$3400.00} on my credit report. In XX/XX/XXXX and XX/XX/XXXX, I sent XXXX XXXX numerous debt validation letters via certified mail and they have not followed the FDCPA and provide me with the following : Validation of Debt Request, Proof of you right to/collect this alleged debt, balance claimed including all fees, interest and penalties, contract being my personal signature, license proof to collect debts in my state. I sent all three credit bureaus a copy of the debt validation letters I sent to XXXX XXXX and they removed them from my credit report, however, within days XXXX XXXX was added back to my credit report. On XX/XX/XXXX, XXXX XXXX XXXX XXXX sent me a letter, on behalf of XXXX XXXX, trying to collect the debt of {$3400.00}. In the letter it states " because of the of the age of your debt, XXXX XXXX will not sue you for it. '' I sent debt validation letters via certified mail to XXXX XXXX XXXX XXXX on XXXX, XXXX, XXXX and XX/XX/XXXX. However, they have not followed the FDCPA and provide me with the aforementioned documentation. I sent all three credit bureaus a copy of the debt validation letters I sent to XXXX XXXX XXXX XXXX and they removed XXXX XXXX from my credit report, however, within days XXXX XXXX   was added back to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Municipal Collections of America, Inc. (IL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: MCOA Municipal Collections of America had my driver license suspended with the state of Illinois, with no XXXX for recourse. But after multiple attempts MCOA has refused to provide me with verification of the date. I would like written proof of the debt sent to me to be verified before any payment is submitted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Source Receivables Management LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I was a victim of identity theft and noticed a collection from SOURCE RECEIVABLES I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against SOURCE RECEIVABLES in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with MIDCOUNTRY FINANCIAL CORP (AE).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: After a company has charged off your debt they have no permissible reason what so ever to pull a consumers credit. This is a clear violation of my privacy rights under the FCRA LAWS. on XXXX XXXX 2017, XXXX XXXX 2017 and onXX/XX/XXXX the company Pioneer Financial services deliberately violated my privacy rights under the FCRA permissibly reason to pull a consumer credit report being that I have no open account with them or any account in collections with them according to the notes on my file with this company and on my credit report.
Under the FCRA this is the definition of Permissible Purpose. Being that this company is not actively trying to provide me with credit, nor are the actively trying to collect a debt there is no reason for them to be pulling my credit. The accounts that I have with them currently are charged off as a bad debt and as a loss. They have not assigned a collection agency to peruse collections so as I stated they have no reason to pull my credit the three times that they have pulled it. This is abuse of power to cause harm to a person personal credit and I would like for them to be further investigated on my behalf. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. ( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit trans- action involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 about Checking or savings account (Checking account) with TCF NATIONAL BANK (MI).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: TCF bank has failed to honor their {$250.00} bonus for meeting their requirements. 
Based on a promotional flyer I opened a TCF " Free Checking '' account on XXXX XXXX 2017. 
The promotional code of XXXX was inputted by the customer support agent. 
The requirement to direct deposit {$500.00} was met on XX/XX/XXXX, within the 60 day window permitted to meet the {$250.00} bonus requirement. 
On XX/XX/XXXX I called the TCF customer support number, XXXX to inquire why I did n't receive the bonus since the requirements were met. At first the customer support agent did n't want to honor the bonus, but then he said he would, and that it would post on XX/XX/XXXX. The bonus never posted on XX/XX/XXXX. I called up the Customer Support again on XX/XX/XXXX and this time the agent said they would do research, and get back to me in a few days with whether or not they will bother to honor the marketing promotion bonus.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 06-08-2016 about Credit card () with SYNCHRONY FINANCIAL (MN).
Issue: Billing disputes

Complaint: Hi, I opened a credit card account with walmart XX/XX/2015. The advertisement said the card came with a {$35.00} sign on bonus if one use it for a purchase right away. I did but the company did not deliver. I paid off my entire bill using the creditcard 's website before the due date in XX/XX/XXXX. A month after, I got a message stating that my bill was n't paid and there was a late fee of {$35.00}. I called the customer center to have the situation rectified and the apologized for the inconvinience and stated that the payment did n't go through but they 'd waive the late fees. So I paid off the amount and asked to terminate the card and my membership. We went through the process and the representative said the account was closed. This was in XX/XX/XXXX. A month later I received another email for a payment and a late fee. I called again and this time the customer service rep was very unprofessional and did not offer me any help. I called another rep and went through the entire process again. I now have the total amount in my bank records. This was two months ago. Today I received a bill in the mail from walmart requesting more payments. They do n't have any other means of contact order than the customer service number which have proven to be very unhelpful.

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 04/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
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 asked all three credit bureau 's to remove the public record from all my credit reports because it is a clear violation of the Fair Credit Reporting Act and they are claiming to get information from the Bankruptcy Court. They claim to get information directly from the courts. I have attached documentation from the court and from all three credit bureau 's. XXXX had removed the public record then they re-inserted it causing my fico score to suffer.

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 02/20/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX student loans are reporting monthly payments due of over XXXX dollars. This was fixed by Transunion about two months ago as they are not in repayment. However, this month the accounts report once again as if in repayment. Enclosed proof all these loans are deferred and do not have a payment amount due each month. The last time I had to complain to CFPB as TU refuses to help 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 05-03-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I submitted a dispute on the credit bureaus on an account report it by XXXX Acc # XXXX. 
Address : XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX The dispute was because I defaulted on this account back on XXXX XXXX and went to charge off on XX/XX/XXXX, they still reporting this account as my last payment was on XX/XX/XXXX which is false information. Also this account its been on my credit report for 9 years already, should be remove after 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2016 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (AL).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Getting calls from a number from a company claiming to be Midland. Caller says name is XXXX XXXX and he threatens to deliver papers to my place of employment and a case is being filed against me. I 've already been to court and settled with Midland.

Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AMERICAN EXPRESS COMPANY (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My ex husband added me to his  AMEX card as an authorized user before we were divorced ... .Amex will not remove this fir me.    XXXX   is also refusing to remove this. I am not responsible for this account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/16/2015 about Debt collection (Credit card) with CITIBANK, N.A. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I have disputed this collection before and it was removed from my credit report. Now it is back and they are sending me letters trying to collect a debt I do not owe. This account does not belong to me. I have never had an account with this Creditor. I am requesting that it be removed from my credit report. If you fail to remove it, you are required by law to provide proof that the debt is mine. Please see the attached document and the comments.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with LJ Ross Associates (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I received a letter from a collection agency for a XXXX bill in regards to an old account. I went ahead and paid the bill in the amount of {$570.00} for account number XXXX. A week later I get a letter form another collection agency I know owe {$200.00}. I called the debt collection company and told them a bill for XXXX was just paid and they said they would close the account out. This was back in XX/XX/XXXX. On XX/XX/XXXX XXXX sent me an alert stating there was a new collection on my credit. I called LJ Ross the new collection company and told them the same info I told the last company. They in return told me that verified the debt and suggested I call XXXX. On XX/XX/XXXX I called XXXX and spoke to a customer service rep and he told me something did n't look right. He stated there was a account opened on XX/XX/XXXX and closed on XX/XX/XXXX. He then stated there was a new account with the same address opened on XX/XX/XXXX and closed on XX/XX/XXXX and said it did n't make sense. He then gave me the number of the department who handles closed accounts. The lady on the phone at that point would n't let me speak two words before interrupting me and saying you owe it and the last person had no idea what they were talking about. I kept asking can you please explain the XXXX account that was activated the same day the last account was turned off at the same address. She would n't. I then asked to speak to a manager and she stated one would call me back by the end of the day. As of XXXX EST I have yet to receive a call. 

The XXXX account numbers are : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I disputed a tax lien in the amount of {$740.00} that has been paid to the North Carolina XXXX. The debt was paid on XX/XX/XXXX. They indicated they investigated and information is correct. However that is not correct. The NC XXXX also garnished the money from my account and then added a lien which is too not legal. I would like the debt removed from my credit report as well as deleted from the public record.

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 10-09-2017 about Checking or savings account (Other banking product or service) with PNC Bank N.A. (NJ).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: Submitted a timely dispute on or about XXXX/XXXX/XXXX for a purchase in the amount of {$180.00} for merchant XXXX. On or about this date, a provisional credit was applied to the account XXXX. PNC Bank sent a dispute questionnaire dated XXXX/XXXX/XXXX with reference number XXXX. The questionnaire was completed and faxed to XXXX on XXXX/XXXX/XXXX at XXXX XXXX and XXXX/XXXX/XXXX at XXXX XXXX. On, XXXX/XXXX/XXXX the same questionnaire was sent by PNC Bank claiming they never received my questionnaire. Obviously, the bank either lost my 2 separate fax documents or this is a way to easily close debit card disputes initiated by consumers at this bank.

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with LENDMARK FINANCIAL SERVICES (SC).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: Lenmark Finance Company continues to call my job. They have called multiple time which includes XXXX XXXX times a day. Trying to be smart and call back to back blocking their number. Threating to call to speak to our corporate office to get my information to file papers at my job.

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2018 about Debt collection (Other debt) with ERC (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: XX/XX//2016 {$720.00} spoke with fraud dept. no further action taken by company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (TX).
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint: Company : Discover Card I had filed an Extended Product Warranty claim for my laptop on XX/XX/XXXX and I am still waiting for my application to get approved. The claims agency ( XXXX ) associated with Discover has never contacted me for the pending claim despite being contacted ( calls, emails, voicemails ) by me several times in last couple of months. Neither the claims agent nor her manager has responded to my calls. To my surprise, when I login to my claims portal, I see documents uploaded by one more person in my account which is a huge threat to my privacy and security. Neither Discover nor XXXX is willing to be accountable or such negligence. Please look into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2017 about Checking or savings account (Checking account) with U.S. BANCORP (CO).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: I have had this account with US Bank since XX/XX/XXXX, with very few issues. On XX/XX/XXXX my account was overdrawn by {$2.00}. I made a deposit during regular business hours in the amount of {$330.00}, on XX/XX/XXXX, which should have covered the OD. Instead the bank charged me {$72.00} worth of OD charges. My deposit was the same day. I am retired, and on a fixed income, and the bank has put me in a position, where I will not have enough $ to pay all my obligations for this month! How can I get the funds credited back, when they were fraudulently taken. In XX/XX/XXXX, I read an article describing US Banks new policy, to no longer charge OD fees, when the account is less than {$5.00} overdrawn, to begin XX/XX/XXXX. This is Discriminatory against a senior citizen, and is usery, which is prohibited by law. I think US Bank has No concern for their customers. Can you 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 monetary relief
Consumer complaint received 01/28/2018 about Debt collection (I do not know) with Enova International, Inc. (VA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have received three letters from XXXX XXXX XXXX ( XXXX XXXX. XXXX XXXX, XXXX, KS XXXX ) that claim I have a {$1400.00} debt from CashNet. I also have had several telephone calls from XXXX XXXX XXXX. 

On XX/XX/XXXX I sent a letter to XXXX saying that I had no such debt and have never had any dealings with CashNet. 

On XX/XX/XXXX XXXX XXXX XXXX sent me a form letter that says they are enclosing copies of information I requested. I did not request information. The information XXXX sent is a CashNet loan form with my name on it ( incorrect telephone number ), allegedly signed on XX/XX/XXXX ( but with no physical signature ). The IP address that I allegedly signed from is in XXXX, AZ. I was not in XXXX, AZ on XX/XX/XXXX and have never had any contact with it. 

I have checked with the credit reporting companies and can confirm that there is no such debt on any of my credit reports.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
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 send to XXXX,XXXX and XXXX, to remove this studetn lona or update, this was not remove due to bacnkcrucy, we all know student loan cant be remove with that, i have pay this and send them proof, even like that they live this ask discharge on bancrulcrucy, this was pay from my bank account. please update.

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 08/24/2017 about Student loan (Private student loan) with Equitable Acceptance Corporation (AL).
Issue: Getting a loan
Sub-issue: Confusing or misleading advertising

Complaint: XXXX XXXX XXXX reached out to me on XXXX XXXX, 2017 about the Student Loan Forgiveness program. They informed me that I qualified for student loan forgiveness and all I needed to do is pay XXXX a month for three years. I was advised that their company would take care of my student loan and that I did not have to pay anyone else. I thought they were a credible company because they claim to have affiliations with the Department of Education. Also, I was informed that I was enrolled in a income based repayment plan, which I was referred to enrolled in that program by my current lender, XXXX XXXX. Mistakenly, I thought XXXX XXXX XXXX was related to my current lender XXXX XXXX and that 's is not the case. XXXX XXXX XXXX misrepresented their selves and did not disclosed that their finance company is Equitable Acceptance. Equitable Acceptance is currently showing a inquiry on my credit report even though my consolidation application is processing along with a cancellation request. XXXX XXXX XXXX is using their finance company Equitable Acceptance to charging for services for preparing the documentation to consolidate a loan rather than help pay the loan off as they advertised.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation