milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/18/2018 about Debt collection (Other debt) with ERC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: After Looking at my credit report on XX/XX/2017. I see that XXXX XXXX is still Reporting inaccurate Information to the Credit Bureaus. 

I have asked for proof of Debt more than once from XXXX XXXX XXXX RE : Account : XXXX Creditor : XXXX Under Fair Credit Report Act 15U.S.C & 1681g. With no response. And they continue to report  inaccurate reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2016 about Debt collection (Medical) with Fresno Credit Bureau (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I never received any notification from Fresno Credit Bureau about this debt. The address they have is an old XXXX that I did live at in 2012, so I should have received something if they did send it. 

As we lived in XXXX, CA, I am confused as to why we would be billed from a company, according to the internet is, located in XXXX XXXX, CA ( 60+ miles away ). At this point, I would require proof of the debt, as I have no knowledge of it. Please send me a copy of a signed contract and proof that Fresno Credit Bureau was assigned this debt and has a legal right to collect on it. My email address is XXXXXXXXXXXX. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with CONTRACT RESOLVE GROUP LLC (NJ).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I am a small business owner of a XXXX. I have been doing business with a particular vendor for about a year, since I have been open. I have fallen on hard times and have not been able to make payments on my invoices, by the same token, I still have a lot of the shoes still sitting on my shelf. I finally had a little bit of money and was willing to pay in good faith, as well as negotiate taking back some shoes ; however, yesterday afternoon, a man by the name of XXXX ( it keeps changing ) from the Contract Resolve Group called my store and proceed to harass my employee. I was not even aware that my account was going to collection, let alone have to deal with such inhuman behavior. This gentleman has spoken some of the most vulgar things I have ever heard. IN addition he has called my store at least XXXX times in the last 24 hours. Today it got so bad that we had to take the phone off the hook ( and we are a place of business so how practical is this ). He has threatened legal action and has even started calling my other job ( I am a XXXX ). His email are also harassing and his calls are outside the XXXX XXXX call window. I am at my wits end. All I want is to deal with my original vendor and come to some sort of agreement. This gentleman is scary and dangerous. I refuse to deal with someone who exhibits such unprofessional behavior. I am contacting you because I am hoping you can help me. I have contact the BBB ( which has already recorded XXXX complaints similar in nature against this company ). 

I am not a dead beat, just a small business owner with some financial difficulties because of a slowdown in business. I would appreciate and would be indebted to you if you could do something about this situation. Thank you so much!

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My first problem with Experian is that I have filed a dispute in regards to two items on my report. The first one was for XXXX XXXX XXXX. This is a company that I have not done business with. They said they did a re-investigation and found that it meets the Fair Credit Reporting Act. I ca n't see how since I never did business with them. But, they said they " updated the information '' to read XXXX XXXX as the creditor with original creditor as XXXX XXXX. I have not done business with them and do not know what this is. 

The second is a medical collections account for my daughter. The creditor is listed as XXXX XXXX XXXX. This is from a bill that is her father 's responsibility. He has called them and taken responsibility and set up a payment plan with them. We are divorced and he is to pay 60 % of her bills. This is one that was his to pay. Since he has called and taken responsibility, I do not understand why they would put it on my credit. It is not mine to pay.

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 04-09-2015 about Credit reporting () with EQUIFAX, INC. (CT).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Both XXXX and XXXX told me when I was applying that their application would not not produce a hard inquiry, and I have hard inquiries on XXXX and XXXX from XXXX and XXXX from XXXX, I have contacted XXXX companies, via phone, submitted a online form to XXXX, and XXXX spoke over the phone and email, XXXX companies said these would be removed, I never got service from either company as their sales team promised things they could not deliver ( besides saying the credit check would not impact my credit ). I spent hours with these companies to include setting up installations, that they never followed up on, and come to find out thier hardware would not work in my location?

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2017 about Debt collection (Auto debt) with BB&T CORPORATION (TN).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: Company contacted distant relative relating information about the debt owed. Told said relative who they were and why they wanted to locate me. Have requested no contact with 3rd parties previously.

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 02-09-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have a Student Loan through XXXX XXXX which later sold my loan to Navient. Both companies saw that I was paying extra towards my monthly statements I did so with the intentions to pay off my loan quicker. They never allocated my extra money toward my principal and It never reflected in my current balance.I noticed that my balance had never seemed to move when I started paying down on my loan XX/XX/XXXX/XX/XX/XXXX, to this current date. Navient took my extra payments and put them towards a pay ahead schedule, I was never told about ta pay ahead program. When I called into Navient about why my balance due kept changing and sometime said that I owed NOTHING, that was when a rep told me that I was paying ahead so I was months over paid on my account. I asked her ; how can I get Navient to put my extra money towards my principal ... I was told to write a letter and tell them and continue to pay online. It made no sense at all how would the letter arrive the same time as my online payment, needless to say no response and no extra money reflected in my balance. When I contacted a costumer representative they could not explain to me why they were doing that and they claimed they could not access my records to show all of my extra payment. Before Navient took my loan I had the same issues with XXXX XXXX, they saw my extra payments and when I contacted a costumer representative, they too also told me they could not see my records and go back " that far ''. I also had contacted a costumer representative several times when my husband noticed that they ARE NOT calculating my interest properly. Not XXXX put of the XXXX people I spoke to could explain to me how they calculated my interest each month, with that said, that is why my balance also dose not show my accurate balance due. XXXX XXXX saw that I had paid them extra money to defer my loan, when I graduated I was XXXX and did not start work right away, NO ONE gave me any other options than to deffer my loan, no one told me, it would still accrue interest either. When I saw that I was not getting through to anyone and no one was going to help me, I stopped paying extra towards my loan and I 'm currently paying the min balance due. As of today XX/XX/XXXX my balance still dose not reflect the extra XXXX that they have from me, extra I was putting towards my balance due!!!!. My family and personal life has suffered greatly, because I had prep and planned to had been done paying them off, to stay at home and raise my children.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2017 about Checking or savings account (Checking account) with CITIBANK, N.A. (NY).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: De ar Sir/Madam,  This is in regards to  my CitiBank accou nt #  XXXX . In  XXXX   XXXX   CitiBank ha d a promotional offer of {$400.0 0} if one opens  a new checking account with initial deposit of {$15000.00} within 30 days of opening such an account and keeps this balance in the account for at least 90 days. On  XXXX / XXXX / XXXX , I applied for such account online and attached pdf file has all relevant information of my interaction wit h CitiBank a bout this matter.     On  XXXX / XXXX / XXXX  I received a confirmation that my account is now active and ready to be funded ( please see pag es 1 and 2 of the at tached file ).     On  XXXX / XXXX / XXXX  the money has been deposited into my account ( please se e pages 3,4  an d 5 of the  attached file ). ).     After 3 months of the opening of the account I started inquiring regarding {$400.00} bonus. I could not get a clear answer, was transfer f rom one depar tment to another, and just to get rid of me was required to fill out different forms and sent them back, which I did.     Calling the bank, waiting to be transferred to different departments, filling out and mailing different forms took substantial amount of my time, but I still wanted to get what have been promised, besides the bank used my {$15000.00} absolutely free now for 7 months.     Finally on  XXXX / XXXX / XXXX  after several attempts to resolve this matter over the phone, I received a letter stating that my account does not qualify for this promotion because the required deposit was not made within the stated time frame ( please see the la st ( 6th )   page of the attached document ).     As indicated by the dates of the attached correspondence, I followed all terms of  CitiB  ank 's promotional offer and I feel that I have been defrauded by CitiBank, where   they used my money without fulfilling their promised obligation. Thus, I would like to kindly ask for your help in resolving this matter. Please do not hesitate to contact me at  XXXX  XXXX  XXXX  or by calling  XXXX  if you have any questions or require any further documentation.     Thank you in advance.    XXXX   XXXX   XXXX  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 explanation
Consumer complaint received 06/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I received a letter from XXXX XXXX onXX/XX/XXXX saying that they would remove all four accounts from my credit. It is nowXX/XX/XXXX and they are still on there. i have enclosed the letter they sent me.

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2015 about Credit card () with U.S. BANCORP (CA).
Issue: Rewards

Complaint: My wife and I recently signed up for the US Bank XXXX XXXX credit card. The credit card is suppose to come with a XXXX night free award night after paying the {$75.00} annual fee. Well, 1 month after paying my annual fee on my card and my wife 's card XXXX XXXX ended the XXXX night free award without any notice at all. They are not honoring the terms that we signed up for! I am supposed to get XXXX night free with the card per agreement after paying the {$75.00} fee. The agreement we signed up for clearly says that XXXX night free award after paying the {$75.00} annual fee. They have to live up to their terms & conditions here!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-12-2016 about Bank account or service (Other bank product/service) with AMERICAN EXPRESS COMPANY (FL).
Issue: Making/receiving payments, sending money

Complaint: I opened XXXX with American Express Serve card # XXXX and I saw some transactions for {$10.00} every month on my account which I do not remember this Company and to authorize them to charge my account so I called them and Serve Cst Srv Representative open disputes. However, instead of opening XXXX dispute for all charges related to this Company Serve Rep only open XXXX dispute. I called again on XXXX and I asked and different Representative opened about XXXX disputes -I did n't know what he was doing. All charges came from XXXX Company I should have only XXXX claim with disputes. On XXXX my account was closed due to filling fraudulent claims which Serve Representative cause not Me. I never filled that many claims .Serve Employee did not followed correct procedures and did not listened me when I called in XXXX with my not recognized transactions. He did not understand XXXXThese practice are unfair and abusive practices against the Customers. Therefore, I was trying to talk to with Supervisor and I was putted on hold for 1 hr and my next all called has been disconnected. by Cst Srvs ( Please see attached ) I never gave them authorization to file that many dispute claims!!! Today, I was disconnected by XXXX, XXXX, XXXX XXXX. I 'm filling this complain because no one will be accusing me for any frauds!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: A ccount number : I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX  60 days XX/XX/XXXX  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 01-01-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with LAMONT HANLEY & ASSOCIATES INC (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I switched from XXXX XXXX XXXX to the parent company XXXX. The agent handled the transaction and because I was n't given a cancellation form to sign I somehow then owed and addition {$55.00}. I contacted the ins. agent in response the the threat of collection by XXXX XXXX and they worked to resolve the matter and I was told that it was taken care of by XXXX agents and I signed the needed doc. I have all the documentation to prove this email interaction. I was contacted tonight at about XXXX XX/XX/XXXX by Lamont, Hanley and Associates Collection agency ( 3 weeks after resolving the matter with XXXX XXXX ) and was told I owe the debt. I explained and asked them not to report to the credit bureau until I attempt to resolve this and they told me that is n't their problem, did n't give me an account reference number and hung up abruptly. I tried to call back twice and was unable to pass through the automated system with the reference number. I went to their website and was unable again. I have sent both XXXX XXXX and Lamont Hanley emails through their sites notifying them of the situation and not to report. I was contacted in the evening by Lamont Hanley, it is also a holiday evening, I denied being given the info I needed about the debt, they were unreasonable in resolution and rude, I was hung up on.

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (LA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: On XXXX/XXXX/2014 I wrote to Diversified Consultants requesting proof of the debt that they alledged I owed but never received a response to the information that I requested and they are constantly verifying this information to the credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2018 about Debt collection (I do not know) with Northwood Asset Management Group (TX).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: On XX/XX/XXXX phone number XXXX called my cellphone and said they were a lawfirm looking for my son ( who is an adult ) on a personal matter regarding his social security and he needed to respond immediately. I called and told this woman that this is not his phone and not to call again. The number that you are told to call back on is XXXX XXXX. She tried to represent herself as a legal person and he had a personal matter that needed taken care of. I told her not to call my cellphone or personal phone number ever again because this is not related to me or my husband. She got very nasty and has not stopped calling my home phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint: XXXX was recently hacked, losing the credit information of millions of Americans to hackers. They published a poorly encrypted website wherein one could check to determine whether their information was compromised. The link was http : //www.equifaxsecurity2017.com/. This link was widely disseminated on news websites, including prominent distributors such as the XXXX XXXX XXXX and XXXX. I accessed this website on XXXX/XXXX/2017 to determine if my data was compromised. The structuring of the site ultimately leads you to a link to click to check for potential compromise of your information. This then leads you to a page where you input your last name and the last six digits of your social security number. Apparently after entering this information, you are told if you are affected, not affected, or are told to come back on a later date. I received the message to return at a later date. Nowhere did it obviously ask me to opt in for any service or waive my right to sue thereby agreeing to arbitration. However, it appears they passively included this information in their terms, which seems to be a deceptive effort to trick consumers to waive their rights. This seems unacceptable to me for several reasons. 1 ) Equifax is at fault for failing to secure consumer credit information that they gather and archive without any assent or consent of the individual 2 ) They failed to disclose this information to consumers in a timely manner 3 ) They published a poorly-protected website seemingly to lure concerned consumers to check if their own data had been compromised rather than reaching out to share this information with affected parties 4 ) They buried a legal protective mechanism in this new site whereby consumers waived their right to sue in order to determine if the information gathered about them without their assent had been compromised. This mechanism was not actively brought to the attention of the consumer as they navigated the site.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2017 about Vehicle loan or lease (Loan) with UNITED SERVICES AUTOMOBILE ASSOCIATION (OH).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: USAA Federal Savings Bank has been sending documents to an incorrect address. My physical address is NOT my mailing address. On XX/XX/XXXX USAA purportedly sent notice that I was a co applicant on a loan. This letter would have been returned to sender. However, had I received the document I would have discovered that the information was incorrect and could have avoided what has transpired in XX/XX/XXXX. Attached are all relevant documents that USAA Federal Savings Bank has provided to date. I was also expecting copies of any and all documents substantiating that I am in fact a co applicant. All documents provided are unsigned and have a street address where I live but can not receive mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I believe that my personal information on XXXX, XXXX and Experian was used to obtain credit in my name or they are reporting someone else 's information on my credit reports. I have requested ( 3 times ) physical proof that they have on file for the creditors claims and they have not as of yet supplied me any proof of the specified items as being verified as being mine nor how they got the information to report them to my credit files.

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