milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/19/2017 about Debt collection (Medical) with Credit Bureau of Lancaster County, Inc. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have sent in documentation that this debt was paid and still have no answer nor will this company properly communicate with me. They hang up on me mid-sentence every time.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2016 about Debt collection (I do not know) with FIFTH THIRD FINANCIAL CORPORATION (IL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: XXXX XXXX XXXX XXXX XXXX, d/b/a XXXX XXXX FTC MATTER/FILE NUMBER : XXXX XXXX CIVIL ACTION NUMBER : XXXX This firm called my elderly mother looking for me, she 's in XXXX, I 'm in XXXX. They tried to have her " identify me '' by telling her my former addresses ( what? ). They told her I need to sign a legal or court document called a " Preliminary Notice of Further Action '' regarding a debt w/in 72 hours. They left a number for me to call back. 
I called it and was told this is XXXX XXXX ; we were hired by someone who is collecting a debt for 5/3Bank. ( I googled XXXX XXXX and found on page XXXX the FTC data ). XXXX said they were calling " to establish my direct refusal to pay ''. I asked him to ID the debt before I refused to pay it, he gave me XXXX digits, I said this does n't help. I asked for the nature of the debt, he said an installment loan. I said I never had an installment loan - I 've had many accounts with 5/3, but most were deposits and my HELOC was repaid 4-5 years ago in full. He said he would recommend that his client file a " Preliminary Notice of Further Action '', then. I asked what that was and said he should hold off and just send me a proof of debt, he refused, and said it would take too long. I told him I pay my debts if I owe them - I then asked him to read the itemization on this account. He said he would email my file to me if I would read it now. I was at work, and told him that 's not a secure way to transmit this info, and again asked him to mail me his records. I asked how else can I determine what the account he has is. I do n't think I finished before he hung up on me. 
I have been called by XXXX-XXXX other collection firms over 3 years about a phantom 5/3 account. I always ask for proof of the debt and an itemization of charges because I do not know of any current 5/3 debt. After that I never hear back from that collector. 
My poor Mom is freaked out, she wants to know if I need money or if I 'm in trouble, she 's unnecessarily worried. I 'm fine, healthy, well employed and do not need her help. 
This XXXX! I need your help!!. 
I called 5/3 and was told they have no active accounts of mine, but they might have sold some debt, or maybe not. I asked what debt and was told " maybe not ''.

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Debt collection (Other debt) with National Credit Systems,Inc. (MS).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: FromXX/XX/XXXXthrough XX/XX/XXXX I rented from XXXX XXXX paying XXXX monthly. Upon providing my 30 days notice in XX/XX/XXXX, I moved out on XX/XX/XXXX. XX/XX/XXXX I went to XXXX XXXX 's office in XXXX, Tn to return all keys and garage openers. I asked if anything else was needed, nothing more was needed and I scheduled to be present during the final inspection walk through. After the walk through with maintenance/inspector was complete, I called XXXX XXXX again and spoke with XXXX XXXX XXXX to ensure nothing was else was needed, I was told everything was complete and that my deposit would be mailed out to my new address. In late XX/XX/XXXXI received my entire deposit back in FULL to my new address that was provided. 

9 months later : This year XX/XX/XXXXXXXXXX/XX/XXXX I started receiving calls from a collection agency ( NATIONAL CREDIT SYSTEMS ) stating that they were calling on the behalf of XXXX XXXX. The woman on the line stated that I owed XXXX XXXX {$90.00} in unpaid debt, I informed her that I would not speak to her regarding that matter because it could be a fraud to collect money. I contacted XXXX XXXX on XX/XX/XXXXand was transferred to collections, after not being able to get through I left my name and phone number, and was informed that someone would call me back. After no response I called back on XX/XX/XXXX and was transferred to a voicemail again. No one EVER returned my call and the collection agency calls stopped as well. I thought it had to be a scam because I never heard from either party again. 

That is until XX/XX/XXXX a collection account from XXXX XXXX in the amount of {$90.00} was placed on my XXXX and XXXX report causing my credit score to drop drastically. I do not owe this debt, all debt was paid in full before I moved and my deposit was refunded back to me in full.

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2015 about Debt collection (I do not know) with Commonwealth Health Corporation (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I got a letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , DE XXXX They said they are collecting a debt of {$710.00} and if I do n't pay it they ill report it to Credit Bureaus. They did n't tell me what the debt is from. When I called the number on the bill it went to voice mail. I 'm not sure if this is a legitimate company. I googled the name of the company and found another number to contact them. Gave them the reference number on the letter representative wanted my social security number, which I refused to give it to him. He said he ca n't help me if I do n't give it to him. I said I do n't know if this is a legit company. He transferred me, the next person verified my social and said they will send a more detailed report.

Company response to consumer: Closed
Consumer complaint received 07-03-2017 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: Old information reappears or never goes away

Complaint: A collection account appears on my credit report. XXXX XXXX Account # XXXX. The first report of the delinquency was XXXX and 7 years have now passed which according to the FDCPA, the collection account should have been deleted from my credit profile on XXXX XXXX. It still appears on my credit report and the credit bureaus are refusing to remove it.

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 11-06-2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Fraud or scam

Complaint: On XXXX XXXX, XXXX we were taken in on an identity theft scam that had to do with a XXXX scam. While on the phone with the scammers my wife was also on her online banking account and saw fraudulent activity, debit card charges. She immediately hung up the phone and contacted the Bank of America and notified them of the fraudulent charges and notified them of the identity theft explaining what had happened. Bank of America stopped these fraudulent charges. She also notified our other bank XXXX XXXX XXXX XXXX who put a watch on our account and also all our credit cards were cancelled and new ones issued. On XXXX XXXX, XXXX at XXXX pst she was reviewing our BofA account and saw that a {$5000.00} wire transfer was pending. She immediately contacted BofA to stop this wire transfer, explaining again about the identity theft. She was told by them that unfortunately the transfer had already been made. We were put in touch with their wire fraud department and a claim number was received. We were told that if we heard nothing from them in 10 business days the money would be put back into our account. We heard nothing for several days. On XXXX XXXX, XXXX we contacted BofA again and asked the status of the claim. We were told that the first claim had gone to the wrong department and that a new claim had to be initiated, again with the 10 day stipulation to return the funds. As of XXXX XXXX, XXXX we had still heard nothing from the bank. After spending 4 hours on hold and getting bounced from department to department a representative from BofA fraud department stated that nothing was being done as this did not constitute fraud and we would not be getting our {$5000.00} back. I disagreed with them as this was clearly wire fraud and that we had notified the BofA on XXXX XXXX, XXXX of the identity theft scam, before the wire transfer had occurred. Any help in this matter is appreciated. The actual scam has been report to our police department. We have any account information, dates, times, BofA personnel we spoke with available should you be able to help us.

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 03/27/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: I had a mortgage loan that was purchase by Green Tree the month before it was paid off. My taxes were not paid by Green Tree. I was informed this by a late notice from the county and paid the taxes in full myself. I have been speaking with GreenTree for over a month trying to get the refund for the {$390.00} they state was paid to the county. I was finally told on XXXX that Green Tree cashed a check on XXXX/XXXX/15 for that amount. I am being told that they are trying to find my funds in-house. I just hung up with a representative from the tax department that told me that her department received the funds on XXXX and supposedly forwarded those funds to the escrow department, but the escrow departmet states they have not received those funds. The rep I finished talking with today took my cell number and said a supervisor would call me when my funds were located. Considering my account has been closed since XXXX and that Green Tree confirmed they as a company do have my funds, I do n't think it is okay for them to delay sending me my refund. I also do n't think it is okay that I had to pay late fees since they did not disburse my escrow account correctly to pay my taxes on timej. Can you please help me recover my money from them or advise me what I need to do to make this happen & gt ; If I owed them money, they would be charging me interest and penalty fees. I just would like my refund now. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (CT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have received a 2nd collection notice related to a XXXX bill for an account that I had not opened. Original notice was resolved over the phone XX/XX/XXXX, I had not lived at given address. Now a different credit company is trying to collect on same XXXX account in XX/XX/XXXX. I am now putting dispute in writing. XXXX does not offer any help in resolving issue.

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Blakely-Witt and Associates, Inc. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have disputed the account several time with XXXX being that the original amount owed of {$880.00} reflecting on my credit file does not match the original amount of {$850.00} documented on the paperwork provided to me by the collection agency. For the record this discrepancy is yet to be fixed despite several disputes. Attached you will find a copy of the aforementioned document. 

I have been mocked by XXXX of the agents of the collection agency during a phone conversation, who stated that he has a good credit and I do not. Granted that is the only collection account on my credit file On XXXX XXXX, 2017, I sent an email to the collection agency, Blakely-Witt and Associates, Inc. that is. In response to my email, that same week, they did an update to my credit file that significantly plummeted my credit score. An act of malice on their part. Or perhaps, a willful intent to do harm to my credit score. 

In any event, I also found their action discriminatory unless they can show that the update that was done on my file is customary and a standard practice, and that such updates are done on all files handled by their office. Even then, the legality of such an extreme and abusive way of trying to collect a debt has to be questioned. 

Like I stated on my last email to their office, I will not accept being bullied and based on their response, I will have to add that I will not accept been singled out, treated unfairly and discriminated upon either. 

The agent that responded to my email also stated that they will no longer response to any email from me and that If I would like to contact them, in the future, it would have to be through certified mail. Again, unless this is something they ask of all individuals who 's collection account they are handling, I will herein add that I will not accept been singled out, treated unfairly and discriminated upon. 

Today, I would like to bring my recent experience with the said collection agency to your attention in form of this formal complaint. Especially, since I can not communicate with them without fear of some sort of punitive action from them that could be detrimental to my credit file/score.

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 Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Hi Good Morning, I have been disputing this XXXX XXXX account that is on my credit report for some time now. The account is inaccurate on my credit report. the account appears to have a balance and the account has been paid in full years ago. This has also been on my credit report since 2008. Equifax continues to ignore my request to have this removed, I have called the call center many times to just be but on hold ignored and transferred. I have sent in countless emails, letters and disputed this many times to no avail. This has impacted my credit tremendously. The account is to old to be on my credit and the account is reporting inaccurate information.This account has been paid. Please remove this off my credit report. Thank you for your valued time.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On XX/XX/XXXX capitalone sent me a bill for {$160.00}. On XX/XX/XXXX i paid {$150.00}, only 24 days late. 
Capitalone marked my cre for 30 days late for this transaction which violates FDCPA. 
I have been trying to rectify this discrepancy with them for over 4 months. Original cfpb complaint XXXX. Attached is capitalone response claiming payment was made on XX/XX/XXXX for {$150.00} yet their own records show XX/XX/XXXX. 
This is an agreegious act to abuse their power of credit reporting and will not be tolerated.

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
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: On XX/XX/XXXX and several times before I sent in a certified mail # XXXX XXXX XXXX XXXX XXXX to XXXX , Letter to Equifax Certified Mail # XXXX XXXX XXXX XXXX XXXX request for correction to my credit report as it related to incorrect reporting on a XXXX XXXX Account, which was transferred to XXXX XXXX XX/XX/XXXX. <P/>XXXX XXXX finally corrected my credit file to reflect the Date of First Delinquency for that account to reflect XX/XX/XXXX. Per The Fair Credit Reporting Act Section 623 ( 5 ) ( a ) '' A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss or subjected to any similar action, shall not later than 90 days. '' My contention is per the attached information from XXXX : Delinquencies remain on the credit report for seven years, so the account will show the late payment and the charge off history for the seven years from the original delinquency date ( Date of First Delinquency ). The original delinquency date is the date of the first missed payment that led up to the charge off status. <P/>The original date that led to the charge off status was XX/XX/XXXX. Being that XXXX XXXX took well over the legal statutory reporting to report the charge off, I should not be penalized. Once XXXX XXXX was transferred the file, they should have reported the charge off by XX/XX/XXXX ( within the 7 year time frame ). <P/>The 7-year period shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity ; charge to profit and loss, or similar action. <P/>The time clock on the date the account FIRST went delinquent can not change no matter how many times a charged-off debt is purchased, transferred or sold to collection agency. Basically, the purge from date NEVER changes. The charged-off account can bounce from collection agency to collection agency but according to the FCRA, the debt can only be reported for 7.5 years from the date of first delinquency ( DOFD ). <P/>I believe XXXX/XXXX are guilty of re-aging my file, which is against the law. This item should have been purged. If XXXX XXXX had to internally charge off my account and they decide to do it in XX/XX/XXXX i should not be penalized with reporting of a debt from XX/XX/XXXX. A delay in XXXX internal business processes should penalize me and my family XXXX has not responded to my dispute as of XX/XX/XXXX. <P/>Please let me know if you can assist. <P/>Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Struggling to pay your bill
Sub-issue: Filed for bankruptcy

Complaint: I filed bankruptcy and capital one was added to my bankruptcy i contacted them numerous times to have the card reported as bankruptcy but they keep updating it on my credit report as charged off. I need to have this debt validated showing i owe them and it was not included in bankruptcy

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (KY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX XXXX ran my credit 7 times on XX/XX/2017. I tried disputing this through the credit bureaus. They each told me that I need to speak with the creditor. I contacted each individual company that ran my credit on XXXX, they all stated that XXXX XXXX XXXX ran the report in order to apply for the best rate for a car. I emailed the general manager of XXXX XXXX  XXXX. He stated the application was submitted online. He could not provide me with an electronic signature. I demand these inquiries be removed from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2015 about Payday loan () with Halsted Financial Services, LLC. (FL).
Issue: Payment to acct not credited

Complaint: I have scam companies calling me at all hours of the day on my personal cell phone, my work phone and now my husband 's personal cell phone. They claim that they have papers to serve me either at my work or my residence on a bill that I do NOT owe. I only have my monthly bills which are paid in full every month. These people need to be stopped. They call from multiple numbers and wo n't stop calling even when told to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I have disputed XXXX accounts on my credit report that were taking off my credit reports before from the by XXXX other collections companies that had these accounts ( Please see attachments ). We have disputed these accounts with the collection company ( after seeing them on my credit reports and they never responded to my requests. from XXXX ) that were added. I had never heard from this company before, never got anything mail or phone calls from this company before it was placed on my credit reports. So I sent them a request to validate the alleged accounts ( on XXXX/XXXX/2015 by fax to XXXX ) but never heard back from them within the 30 days required by the LAW. So on XXXX XXXX, 2015 I sent them another requesting that they delete the accounts from my credit reports since they did n't respond within the 30 days as the law required. As of today they continue to report these accounts on my credit reports. I 've contact the original creditor who is listed on my credit reports and they did n't have any information about the XXXX alleged accounts. They continue to report these alleged accounts to the CRA 's in violation of the FCRA, FCBA because I was never sent any notices before they reported these alleged accounts on my Credit Reports. These accounts have been deleted from my credit reports and keep getting sold to other companies after its removed from my credit reports. The alleged account is in violation of Pursuant to Tex. Civ. Prac. & Rem. Code 16.004. FOUR-YEAR LIMITATIONS PERIOD. These accounts were deleted and continue to be resold and placed back on my credit reports ( the companies that had the accounts that were deleted, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX ). I sent the collection company a letter to validate the alleged debt and never heard back from them but continue to report that it belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2015 about Mortgage (Conventional fixed mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (TN).
Issue: Loan servicing, payments, escrow account

Complaint: Tried making our current payment online as we have done in the last XXXX months, our account was locked and flagged, they would not explain why, would not accept phone payment or any other, told us they could not accept any payment from us, we have never been late, also every rep, told us a different story, we just wan na make our payment, have not missed a payment going on XXXX years now, Please Help, there are alot of complaints against this company

Company response to consumer: Closed with explanation