milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-03-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I had an recent open collection with XXXX. I contacted Enhanced Recovery Company, LLC and told them that I want to pay collection amount in full which was {$160.00}. I provided them my debit card information an authorized to charge me the full amount owed. They provided me reference number as a transaction confirmation and told me that will update all credit report that collection paid. Instead they reported new collection account for XXXX XXXX that is more than 8 years old for amount {$380.00}. 

I never received single phone call nor letter from collector regarding this both collection accounts. I know under The Fair Credit Reporting Act debt collectors must notify in writing about attempt for collecting debt. They are not allowed to report a debt to credit agencies if it is more 4 years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/31/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: I applied for a credit card from Bank of America. They have been my bank for over 20 years. They collect over $  XXXX  in deposits from me annually. I have over a  XXXX   credit score. I saw many reviews online of people being approved for this same card with lower credit scores. I am not sure why they denied me and the reasons they gave were really bogus. I personally think my denial was discriminatory and may involve some " new school red lining ''. I feel my denial is a clear violation of the Community   Reinvestment Act. Ba nk of America is taking my money and deposits but is refusing to give me access to credit. I will most likely close my checking account, however this is wrong. 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 06/27/2015 about Credit reporting () with EQUIFAX, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX has an Inquiry on my Credit Report from XX/XX/2015 (last month).  XXXX sent me the paperwork that it sent that paperwork to Equifax to remove the Fraudulent Inquiry (XXXX inquiry on my Equifax Report).  XXXX told me that the Ball is in Equifax's court now.

Also I am a Victim of identity theft.  XXXX identity theft solutions has been assisting me through the process.  They contacted XXXX to put an EXTENDED 7 year FRAUD ALERT on my file.  XXXX sent me the documentation that I have an EXTENDED FRAUD ALERT on my XXXX fileXXXX sent me the same paper work as well.  However, it has been XXXX full days (at the end of today XX/XX/2015) and I have yet to get any paperwork from Equifax about putting an Extended Fraud Alert on my Credit file.  XXXX and XXXX sent me the paperwork on XX/XX/XXXX and XXXX.  Equifax has yet to send me any paperwork about putting an EXTENDED FRAUD ALERT on my file with them.

Also these Credit Agencies do not seem to want to really help you.  I say this because I called XXXX today because I had a few questions about my identity theft, and when the 7 year alert expires I will need another 7 year Fraud Alert on my Credit, since I have ID THEFT, and I had to wait literally 20 minutes to talk to someone in their Fraud Department.  I mean when I call my cable company I have to wait a minute or XXXX.... not 20 minutes, like I had to wait today when I called XXXX.  It is quite frustrating!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-01-2015 about Student loan (Non-federal student loan) with TRANSWORLD SYSTEMS INC (TN).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: XXXX XXXX, XXXX XXXX, and University XXXX XXXX, XXXX are misrepresenting zombie debt on my credit reports as well as attempting to collect debt that is outside of the Tennessee statute of limitations. According to a letter received from them " the accounts were brought current with the first payment due on XXXX/XXXX/2015 '' -- They are attempting to disguise and misrepresent this zombie debt as current and collectable in an attempt to collect a debt they are not legally entitled to.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2016 about Consumer Loan (Vehicle loan) with VW Credit (IL).
Issue: Problems when you are unable to pay

Complaint: After a change in life circumstances and income, I decided I no longer needed a vehicle. VW employees guided me towards surrendering the vehicle, saying it was the easiest way to go about wrapping up the account. I was not aware at the time that it would appear on my credit as a negative account. After surrendering it to VW, I was sent a bill for around {$6900.00} ( the exact amount I do not have available ). I requested details of the work done to the vehicle as well as the sold price, as the remaining balance seemed quite high. This process went on for some time. Each conversation with the representative became more insulting to the point of him telling me that " I need to re-assess my choices in life if I 'm working so much and can not afford to make payments ''. After that interaction I requested to speak to a supervisor. He informed me that I was refusing to communicate with him and that he would mark my account as delinquent. From there it was transferred to one or more other collection agencies. From each of them I have requested the full details of the account and have still yet to receive it and its been several years.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Trouble during payment process

Complaint: This is a long story that started with a Ch. XXXX BK in XXXX. BK ended in XXXX XXXX. My original mortgage was in XXXX just before collapse of real estate market with XXXX. The mortgage moved to XXXX, then to XXXX XXXX XXXX XXXX, then a shady secret account called XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Then to a collection agency : SPS ( Select Portfolio Services ) and now since XXXX XXXX with XXXX, but XXXX still holds the deed. the 2 later are collectors, not really mortgage companies, and are constantly trying to toss me out despite being not only fully paid but have paid too much. When XXXX transferred it to XXXX XXXX XXXX  they didnt give them a full accounting, so I ended up in BK trustee court which proved I was paid in full with a court order. In XXXX. Yet, after BK was over and SPS took over they kept claiming I owed anywhere from $ XXXX to $ XXXX in unpaid mortgages they couldnt quite get their numbers straightXXXX morning XXXX they called at XXXX XXXX telling me they were going to foreclose on my home. Lovely XXXX gift.. ruining my XXXX. in XXXX, they started cashing my checks electronically from XXXX XXXX which somehow, I never got credit for, so when XXXX took over in XXXX XXXX, they claimed I owed XXXX K approximately. Even though according to my records I had paid almost {$3000.00} too much that I wanted to go towards principal. I sent them all payment slips and proof from bank statements, but in a phone call they said " we do n't care '' ... ... Despite my complaints and massive letters with bank records they threatened me so bad I paid it in XXXX of XXXX. I do not get ANY statements but have continued to pay monthly mortgage payments, yet today I got another letter stating I owe over {$7000.00} since XXXX ... I called an they claim my mortgage went from {$1400.00} to {$3000.00} in XXXX due to flexible rates ... even though mine has been the same more or less for years, give or take a few hundred dollars.. They claim they sent me letters to this fact which they did n't ... I get lots of letters claiming to default on my condo but none with any amounts in it ... I have never received a proper statement. Every check I pay with, I write on it : " I still did n't get a statement '' If I had of seen such a letter I would put up quite a stink. I am getting so tired of this. Its a cartel of corruption. I have sent so many letters, called and gotten disgusting people on the phone ... claiming they dont care what I say, dont care about my bank statements ... this has to end. I have recorded conversations. I am being abused and cant afford an attorney. I want my XXXX K back or at least applied to principal. During XXXX i did n't even get a XXXX Tax form credit of mortgage interest payments to use against my taxes ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint: TransUnion is falsely advertising that they will sell you your XXXX-bureau credit report and score for {$9.00}. Once you sign up, pay the {$9.00}, and log in, you are required to pay another {$29.00} for the services advertised. I have attached a picture. Both my husband and I fell victim to this fraudulent advertising, but we caught it right away and were able to cancel. The customer service agent who took our call said that it was " never advertised '' that this service was included in the {$9.00} initial price and that it was a separate service entirely. As you can see from the attached documentation this is clearly a lie - the advertising on both the splash page and the sigh-up page claim the reports & scores are included in the {$9.00} initial cost and there is no mention anywhere of the " seperate service '' or " additional cost ''. I would like to report them so no one else falls victim to this deceptive advertising. It 's such a shame that this should come from one of the main credit bureaus that people are inclined to trust!

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 08-07-2016 about Debt collection (Medical) with California Accounts Service (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I contacted the credit reporting company XXXX and XXXX that I had contested California account services collection service account listed as a negative on my report. I contacted the collections, they sent me a packet of nothing but bills. As suspected there was no proof other than a stack of bills. With XXXX a name on them no ID, No passport and no proof. As I had suspected.., it was not my account. I contacted XXXX and XXXX on XXXX and initiated a dispite XXXX quickly removed the account from my credit report!. XXXX is l still in process. California account services posted account to my credit as well as others damaging my credit as a result I loss my job of 24 years have no car to get to a job. Of equal pay and career level of XXXX. 
After winning at XXXX I received a poorly printed letter in the mail telling me they had raised amount due from? XXXX to XXXX over night. These people need to be reminded that they are trying to collect account from the wrong person and XXXX needs to follow and remove this account, As well. It is not ok to ruine some ones life on a bunch of bills with out any proper photo id on file, no copies of any ID. Just a stack of bills with names printed on them. 
I 'm sure the hospital treated Some one, but it was not me. Please remove from XXXX and provide documentation that the account ca n't be collected on in the future by being sold so when it appears again I have solid proof that it has to be removed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2015 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Some of the questions referring to my credit history asked about mortgages that I have never had, in or around XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2016 about Credit reporting () with Experian Information Solutions Inc. (ME).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: Experian is the only company of the XXXX that require supporting documentation such as drivers licenses, utility bill copies etc to be filed with them to establish or renew a 90 day fraud alert. If XXXX and and XXXX can accomplish all that online why not Experian? Their requirements could easily lead XXXX to believe they are attempting to make the process difficult as possible with the hope that consumers will just abandon placing an alert. Alerts, to my understanding, if filed with XXXX company are to be shared with the remaining XXXX agencies but that does n't always happen. Why ca n't the process be, made easier ( this is not concerning myself so much as other filers in the household )?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/20/2017 about Credit reporting () with The Law Offices of Mitchell D. Bluhm & Associates (AL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I noticed an old hospital bill on my credit report. I contacted the agency listed as the current creditor The Law offices of Mitchell Bluhm & Associates. The creditor had reaged the debt, which they claim was the original day they purchased the debt from the original creditor. Mitchell Bluhm & Associate refuses to amend the information on my credit report, and have caused harm to my credit score. I want the company to be penalized for unfairly impacting my credit report and score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/29/2016 about Credit card () with CITIBANK, N.A. (GA).
Issue: Billing disputes

Complaint: On XXXX XXXX, XXXX, I purchased a five oil change package for our XXXX XXXX XXXX in the amount of {$220.00}. I received two oil changes, and then XXXX 's XXXX XXXX went bankrupt. I am disputing the undelivered balance of the oil changes. I calculate that I received 40 % of what I paid for, accordingly, I am disputing the balance due me of 60 % of the total, or {$130.00}. 

I submitted this dispute to Citicards in writing outlining the above. Citi confirmed receipt on XXXX XXXX, XXXX. Since then I have had a ridiculous amount of correspondence with them I have provided all the documentation they have requested including a copy of the credit card statement showing the charge, and the invoice from XXXX 's XXXX XXXX. I the most recent letters from them they have : Said my dispute letter was lost ; I resent it Claimed that the charge was made several years prior to the date shown on the credit card statement. I resent the documents, and clarified their error. 
Their most recent letter claims that they needed my dispute within 60 days of the dispute, and stated they would not honor my dispute. This stipulation is an obvious impossibility, given that the provider went bankrupt well after the 60 day period they arbitrarily stipulated. ( This also calls into question the content of the second letter recapped immediately above. ) It has become obvious that they are simple seeking any reason to deny my dispute. On XXXX/XXXX/XXXX, in wrote yet another letter indicating that I would be filing this complaint. 

I can provide all the documentation regarding this matter, as you may require.

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 06-02-2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: O n  XX/XX/XXXX  I recei ved a summons for a civil suit from Midland Funding in the amount of {$5700.00}. I dispute the legitimacy of this claim and I feel that I am the victim of retribution, as I just won a case against Midland on   XXXX  . I have been tied up in court proceedings with Midland Credit Management since I received their FIRST letter that i was being sued civilly on   XXXX   XXXX   XXXX   XXXX  . For over 3 months Midland had encroached upon my time, resources and sense of well-being, as well as been harassing me through endless phone calls for someone that is not even me!

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2017 about Debt collection (I do not know) with GC Services Limited Partnership (CO).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I 've repeatedly asked them not to contact this phone number, but yet I continue to receive calls. A supervisor argued that he does n't have to stop calling

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 Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX is reporting incorrect information on my credit report. Several attempts via phone and US mail informing XXXX of these errors were attempted without success. The following accounts are being reported derogatory and needs to be corrected to current/paid or needs to be removed due to being closed over 7 years ago. 1. XXXX XXXX XXXX/ acct # XXXX is showing being derogatory. This account is closed and was never late. XXXX XXXX attempted to send several correspondences to correct wrongful information on XXXX reporting. 2. XXXX XXXX/ acct # XXXX. This account is showing being derogatory on my credit report. This account has been closed over 10 years ago and was never late. 3.XXXX/ acct # XXXX. This account is showing being derogatory on my credit report. This account been closed over 10 years ago and was never late. 4. XXXX XXXX/ acct # XXXX. This account is showing being derogatory on my credit report. This account been closed over 10 years ago and was never late. 5. XXXX XXXX XXXX acct # XXXX. This account is showing being derogatory on my credit report. This account was never late. Please correct this information as soon as possible.

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 04/19/2018 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (NY).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Synchrony Bank has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 05/25/2017 about Debt collection (Medical debt) with HCFS Health Care Financial Services, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: *no Duplicate* I have NE VER given this company consent to my private personal information which is identity theft. This company does that have a contract signed by me for services with this company. Per FDCPA 1692c Sec 802, this company asking me to pay an alleged debt they are no party of 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 05/30/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (MI).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: On Tuesday  XXXX   XXXX ,  2017 , I phone  d Nelnet, my federal student loan provider, to get information regarding a loan forgiveness program. I expected to speak to any number of their loan counselors after providing my birthdate and last 4 digits of my SS # as I have done countless times before. Not this time. The first question was " are you interested in a loan forgiveness program? '' That struck me as strange but I pressed 1 anyway. I was asked a few simple questions. What was the total of my debt. Am I current or in default with payments. I was then transferred to someone else who could verify if I qualified for the forgiveness program. Of course I qualified with a three month application fee of over {$190.00} over a course of three months.
The issue I have with this is that I called a federal loan provider, Nelnet   by the number they have listed on their billing sheet  XXXX . Unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2016 about Debt collection (Medical) with SANTANDER CONSUMER USA HOLDINGS INC. (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: i have tried to dispute these debts but have not had any responses

Company response to consumer: Closed with explanation