milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-02-2016 about Debt collection (I do not know) with Ability Recovery Services, LLC (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: This collection company does n't abide by the laws set forth by the FDCPA and have made clear violations of FDCPA 809 ( b ). I was never contacted by this company regarding a debt they were collecting on. I found out by credit monitoring service that reported new collection activity. After reviewing my credit reports I disputed this collection account with the XXXX of the XXXX major credit reporting agencies ( XXXX and XXXX ) as XXXX was not reporting such account. Both disputes with XXXX and XXXX came back as verified so I sent a letter to Ability Recovery Services requesting validation of the alleged debt on XX/XX/2016. They failed to respond yet continued to update their collection status on XXXX and XXXX and even started reporting to XXXX. I had to file an initial complaint with the CFPB regarding their lack of response to my request and their continued reporting of alleged debt. They responded with their documentation and claimed that they mailed a response to me on XX/XX/2016. I never received such response. They attached the documents they claim they sent me and both documents are dated after XX/XX/2016. Regardless, their continued and new credit reporting and collection efforts occurred between the time they received my request for validation and the time they claim they responded to my request. I am hereby filing a complaint against this company for their violations of FDCPA 809 ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Credence Resource Management, LLC (IN).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I disputed a collection company by the name of diversified and they removed it over a month ago cause they could not validate the debt. Last night I checked my report and there is another debt collector by the name of credence resource manage on there saying I owe them. Which they did not notify me that they were going to put back on the debt.

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 03-10-2017 about Consumer Loan (Vehicle loan) with CAPITAL ONE FINANCIAL CORPORATION (NC).
Issue: Taking out the loan or lease

Complaint: Back in XXXX I purchased a vehicle, XXXX ; My financing at that time was with a local financing company. After having the vehicle for about 3 to 4 months, I received a correspondence that Capital One was now the lien holder of my auto loan. I began making payments through the new account online through Capital One 's website. My auto loan payment was roughly $ XXXX. After my account was switched over to Capital One, I started receiving calls about late payments, additional fees, and also that my car payments were now $ XXXX. I had to make these disputes each month and still never received a resolution even having all of my original bill of sale documents. In XX/XX/XXXX, I traded in the XXXX for the vehicle I currently have now and have not heard anything from Capital One. Several months later, about XX/XX/XXXX and XX/XX/XXXX, I had my credit checked and found that Capital One was reporting this auto account as severely delinquent. I went through the process of contacting them as well as making disputes with the credit bureaus in regards to this account and did not receive any information as to how to resolve these errors. One instance when I called Capital One, I spoke to 5 different people, and each gave a different story, however no one has ever sent me any information to validate this account. I have been reaching out to them and to the credit bureaus for over 2 years now, writing letter after letter of disputes, deletions, and even letters of validation and to no avail, I do not receive anything in return. My last round of correspondences that I sent out again to Capital One and to the credit bureaus was in XXXX and I have yet to receive a response again. I 've exhausted going through credit resolution services, etc. trying to get this account removed from my credit report as it is being reported inaccurately. The car was originally purchased for about {$12000.00} and Capital One is reporting this car now as a Charge Off/Repossession for {$10000.00} as of my current credit report that was pulled on XX/XX/XXXX. Whether the car was traded in for the full balance owed and then resold, I am not obligated to this debt any longer as the car is not in my possession and was transferred correctly. I am at my wits end as these errors have negatively impacted my credit abilities for several years and I do n't know what else to do in resolving this situation. I do n't believe that it is fair to me to have to make a possible settlement on a debt that I 'm not responsible for and would like if this account is removed in its entirety from my credit reporting

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2016 about Credit reporting () with Experian Information Solutions Inc. (LA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I received a written letter from XXXX XXXX, XXXX, regarding an account with XXXX Bank. The written letter offered the option of " XXXX payment of {$250.00} '' and that my account will be considered " Settled in Full '' after the payment is successfully posted. ( Please see attached letter ) I paid the {$250.00} ( please see attached processed bank check ) and XXXX Bank reported my account to Experian as " Legally paid in full for less than the full balance ''. Their letter was misleading. I would not have agreed to pay the settlement amount if I had not been led to believe that the payment would be reported as anything other that " PAID/Settled in Full ''. I would have chosen pay the amount in full.

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 12/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Have written XXXX letters on XXXX, XXXX, XXXX and informed them that I am a victim of XXXX, Experian XXXX XXXX security breach. Requested that the following inquiries deleted off my credit report. Experian never responded to me. The inquiries that were resulted from the breach are : XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX / XXXX XXXXXX/XX/XXXX & XX/XX/XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX & XXXX & XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX & XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 11/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CO).
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: REFERENCE : CFPB # XXXX I initiated this dispute on XX/XX/XXXX regarding the continuous delays in updating my credit file based on information sent from the consumer and the company. Equifax responded to the referenced CFPB complaint accordingly on XX/XX/XXXX : COMPANY 'S INTERIM RESPONSE *Equifax reviewed the complaint, its records and initiated a reinvestigation. *Equifax reviewed the consumer 's credit file for previous dispute history/contact regarding the item ( s ) listed in the complaint but no recent dispute history/contact was identified. *Equifax will mail the results of the reinvestigation within 30 days. 

THIS INFORMATION IS INCORRECT. Equifax has executed up to 3 disputes/reinvestigations regarding XXXX XXXX XXXX ( Account # : XXXX # XXXX ) in the last 30 days and they STILL HAVE NOT CORRECTED THIS INFORMATION. To report that there are no recent dispute history is a flat out falsehood and is bordering on fraudulent business practices to report otherwise. I confirmed today that the reinvestigation 'is still open ' according to latest rep that I 've spoken to this month. 

CFPB needs to take more steps to confirm what I already know and have reported versus simply logging their response. Require that they send a copy of my most recent credit file which will indicate that they have still not updated this account. The issue is the lack of timeliness yet you feel that 60 days for resolution is acceptable. The law indicates that CRA 's have no more than 15 days to resolve a dispute. The CRA must give you all the relevant information it gets within five business days of receipt, and must promptly give you additional relevant information provided by the consumer. If you dont investigate and respond to the notification of the dispute within the specified times, the CRA must delete the disputed information from its files. I INITIATED THIS REQUEST FOR A CRA UPDATE ON XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2016 about Bank account or service (Other bank product/service) with REGIONS FINANCIAL CORPORATION (FL).
Issue: Account opening, closing, or management

Complaint: Regions bankcard ... took dog to vet went to pay for services and it said when they ran it refer to card owner ... ran three times didnt work. Call and used 23 minutes of data before they bothered to answer., no music over and over how they won first place with banks for service. No one ever ever sent me an email or text stating that my card had been shut down due to a suspected attempt of use in NY. So they just dont tell you and you are in with dog at vet and you cant use it. TERRIBLE. In addition while im here they changed their website and it has something called insights and you cant get it off. How i spend my money is my business. At my other bank they took it off, I am not married my father is deceased i control my own money and dont need regions to budget my money. It was also very embarrassing that my card was turned down in front of everyone.

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 02/14/2018 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (NH).
Issue: Trouble during payment process

Complaint: XXXX XXXX XXXX is trying to sabotage my mortgage by refusing 2 payments that I made through XXXX XXXX in the amount of {$2700.00} on XX/XX/XXXX. 

I would only be one payment behind and one payment currently due but if they are allowed to refuse my payments then it will put my home into foreclosure. 

I have spoke to them in the past and they have admitted that they have the right to refuse my payments. They are therefore deliberately trying to force me into foreclosure. 

I spoke with XXXX the supervisor at XXXX XXXX and she stated on XX/XX/XXXX that it was returned because it wasn't enough money. 

I only owe for XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX On the back of my statement I boxed in the amount that I am past due. 

With the payment amount of {$2700.00} that I made I would only be late for XX/XX/XXXXand XX/XX/XXXX which I was paying an additional payment in the next week. 

I have attached proof of letter from XXXX XXXX of rejection and a scanned copy of my recent XX/XX/XXXX mortgage statement for XX/XX/XXXX. 

Let it be known that I stated in my previous complaint recently about Carrington MS that they were going to do something like this to push my family into the streets and foreclose on our home.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2016 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: A Federal Tax Lien was filed against me in XXXX XXXX XXXX on XXXX/XXXX/XXXX, and was then paid and released on XXXX/XXXX/XXXX. I have disputed the continued reporting of this lien by Equifax several times on the basis of the FCRA 's statement that " Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old '', as well as multiple articles from credible sources such as XXXX ( run by XXXX ) that clearly state " Once paid and released, a tax lien must be removed seven years from the date it was filed. '' I spoke with an Equifax customer service agent who advised that their policy is to delete tax liens from credit reports after ten years from the date they were paid/released. I asked if there was someone I could speak to about this issue and she advised my only option was to write a letter to the Equifax Legal Department. Both XXXX have deleted the tax lien from my report. Although they are separate agencies, they are all bound by the FCRA and federal law. On Equifax 's own website under the FCRA Summary of Rights, is this statement that the FCRA protects you by requiring consumer reporting agencies : " Delete outdated information. In general, negative information that is more than 7 years old ( 10 years for bankruptcies ) must be removed from your file. '' Equifax has created their own policy regarding the deletion of negative information such as tax liens, and is skirting federal law by exploiting short, vague phrases in the legal verbiage such as " in general '' and " in most cases ''. When credit reporting agencies are able to manipulate federal law and create their own individual policies that completely differ from XXXX another, i.e. there is no consistency among the agencies, that equates to a complete disregard for consumer rights and a lack of accountability or governability amongst them.

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2015 about Debt collection (I do not know) with CNG FINANCIAL CORPORATION (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: They are calling my parents leaving messages that they will put a warrant out for my arrest and leaving voicemails on my phone that they will be sending someone to my house. I 've never received any papers from these people. They call from different number to my parents phone. One is XXXX and he left the name XXXX XXXX and the other is XXXX XXXX and her number is XXXX. XXXX XXXX asked me how do I pay my bills without a job and I said through the grace XXXX and she started insulting me and my religion.

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (IL).
Issue: Struggling to pay mortgage

Complaint: Attempted today, XX/XX/XXXX, to get my mortgage servicer, XXXX XXXX XXXX d/b/a " Mr. Cooper '' to postpone the scheduled foreclosure sale of my home ( XX/XX/XXXX ) in order to begin a loan modification. I was unable to afford any modification prior to today. 

A modification, according to them, must be requested 37 days before the scheduled sale date of the home. 

While the servicer is willing to engage in a modification, they are so far refusing to postpone the sale, which is scheduled for Monday, XX/XX/XXXX. I know that, if they postpone the sale for 45 days, that would be enough time to have begun the modification process and make the first trial payment.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2017 about Debt collection (Payday loan) with Advance America, Cash Advance Centers, Inc. (AL).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: First of all I missed the call and they left a message the lady was speaking so fast I really did n't understand her I had to play it over and over. So finally I give them a call back. And she tells me I owe a payday loan back from XX/XX/2011 and if I do n't pay it they will file a lawsuit against me. She was very nasty and ugly. I am XXXX and on a fixed income. This happened 6 years ago. And this was this first time me evening hearing from such. I felt as if she was harassing me and fast talking me

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2016 about Debt collection (Federal student loan) with Kyle Law Group, P.C. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I have a student loan judgment debt with the XXXX, in which I must pay {$75.00} each month. I receive social security on the third Wednesday of each month therefore I ca n't have the Kyle law group which is the debt collector for the U XXXX take the payments automatically from my bank account each month, so my wife elected to have my payments deducted from her bank account instead, because her social security XXXX check is deposited on the XXXX of each month. However, that can change as well because if the XXXX falls on a weekend then the deposit will go in a day or XXXX early. This causes an overdraft on her account as well as mine. Also the Kyle law group is setting our accounts up with the pay .gov website where the payments are being collected. XXXX Kyle is not sharing any account information with me or my wife ie. username, password, security questions. If I want to make changes on the website I have to go through the Kyle law group, I ca n't make the changes myself. When I cancelled the payments from being collected from my bank account on XX/XX/XXXX2016 the Kyle law group took the payment from my account as well as my wife 's account on XX/XX/XXXX2016. Because I did not know the username, security questions, or password I could not make the changes, because Kyle law group set the account up, and did not let me know any information. Now the same thing is happening to my wife, and their office has set up a pay.gov account for her and will not share any of the account with her. She does not owe them I do. I do n't mind paying on my debt each month but I prefer to call the Kyle law group each month and let them run my debit card, therefore, not causing me or my wife overdraft charges. We both are on a fixed income in which the dates for depositing our checks are not set in stone. This is why I would rather call them each month and process a payment. I do n't know why the Kyle Law group does not want to share the account information with me or my wife. I would appreciate your help. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: The company is Experian and of course it is impossible to find a phone number to speak with a person and complain. I recently worked with a home builder and applied through their lending company to be pre-qualified. All of a sudden I start getting a bunch of phone calls from XXXX XXXX XXXX, I finally asked them why they were calling me. They knew my full name, phone number, credit score, the fact I was in the home buying market, etc. When I asked how they knew they told me Experian gives them the information during the credit checking process so that they ( XXXX XXXX can call and offer a competitive offer. I find this activity highly unethical by Experian. A credit reporting agency of all people should NOT be sharing private information with a third party.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/24/2017 about Payday loan, title loan, or personal loan (Personal line of credit) with MIDCOUNTRY FINANCIAL CORP (IL).
Issue: Problem with additional add-on products or services

Complaint: On XXXX XXXX, 2017 I took a personal loan for XXXX from Heights Financial. I closed the loan and questioned why they were making me sign for credit insurance and an auto reward membership. I asked twice why I had to get these and it was explained that this was part of the loan. I signed the papers brought them home and in further review see I was charged {$530.00} for insurance premuims and {$240.00} for some XXXX XXXX XXXX. I called and asked why this was on my loan on XX/XX/XXXX and was told well you signed it so nothing you can do. If you dont want us pay us off. This is shaddy unacceptable business.

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 02-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Transunion File # XXXX XX/XX/XXXX Employment Data Reported : Employment information is not right I have listed the correct employment that should show. Transunion keeps putting or has wrong information or Employment missing. I have also attach 2 companies I work for the past 2 years that's not showing and I uploaded a current XXXX XXXX XXXX XXXX Current Position on all Employment XXXX XXXX XXXX   XXXX Current XXXX XXXX XXXX XXXX XXXX Current XXXX XXXX XXXX XXXX Past XXXX XXXX XXXX XXXX Past XXXX XXXX XXXX XXXX XXXX Past XXXX   XXXX XXXX Past XXXX XXXX XXXX Past XXXX XXXX XXXX XXXX Past date Transunion has as Verified is incorrect because I have not work for XXXX XXXX XXXX since XXXX these are my correct Employment

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax data breach.

Company response to consumer: Closed with explanation