milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
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: Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 
Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? 
You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).
Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA

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 12-07-2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (IN).
Issue: Fraud or scam

Complaint: XXXX XXXX XXXX AND XXXX, XXXX XXXX XXXX DEFRAUDED US BY MIS-APPLYING MORTGAGE RE-INSTATEMENT PER THE HAMP MODIFICATION RULES AND MONEYGRAM ALLOWED THIS TO HAPPEN. SEE ATTACHED. 

ALLPARTIES IS IN VIOLATION OF THE DODD-FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT AND STATE FRAUDULENT LAWS VIOLATED.

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with CL HOLDINGS LLC (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid a past due bill directly to XXXX who instead of applying the payment to the debt, passed the check on to their debt recovery agency Jefferson Capital Systems LLC. XXXX then claimed that my check (a cashier's check issued by XXXX Bank Bill Pay) was returned NSF. XXXX shows the check as being paid. Jefferson Capital Systems subsequently reported the debt as currently due over XXXX months after payment was made, driving my credit score down dramatically. Neither party will acknowledge responsibility for the error and I have not been credited with the nearly $XXXX payment that was made to XXXX. I have been told that the credit agency has XXXX days to respond to my complaint.

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 09/13/2017 about Debt collection (I do not know) with GMA Investments, LLC (CA).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint: Summit receivables continues to contact my employer even asked to stop and when I spoke to them they wo n't verify what debt is about just threatened me that they will contact my employer so that I would be get embarrassed in my employment. I do n't believe I owe them. The company that keeps calling at my work place summit receivables with phone # XXXX her name XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2017 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Midland Funding LLC accepted a CLOSED account from XXXX back in XXXX. Midland Funding is marked on my credit account as an open credit account. Midland Funding is noting as an open account placing on my credit report monthly. I have asked for verification monthly since XX/XX/XXXX. It still registered as a dispute on my credit report. 

Midland Funding never respond to numerous request to verify the debt and actual breakdown what is due. XXXX was the creditor with a 300 initial limit. I was unaware of a XXXX Card opening XXXX. I 'm unaware of the actual charges from XXXX. Midland Funding never responded to proving the charges on the XXXX Card. 

Midland Funding still posts as a monthly open account on a closed account. Refuses to comply with the Federal Credit Reporting Act. 

This damaging my goals of advancement. Both XXXX and Midland Funding is documenting in my history XXXX in XXXX. Midland Funding also in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Equitable Acceptance Corporation (MD).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have a loan from Equitable Acceptance. They called me about payment and yesterday ( XX/XX/2017 ) at XXXX and at XXXX. They also called my work link at XXXX and a family member shortly after. They should not have this family members phone number. They informed her that they were trying to reach me or my husband about a personal matter. I pay equitable every month. I believe there were only two instances in which I was over 30 days in paying. 

I 'm okay with them calling me. However I am not okay with them reaching out to family members as this feel close to harassment, especially when they had already receive payment for this month ( XXXX ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Debt collection (I do not know) with ERC (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: UKNOWN ACCOUNT WAS OPENED ON XX/XX/2015 IN THE AMOUNT OF {$290.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: XXXX collection accounts and XXXX inquiries was removed from my Transunion credit report. The XXXX accounts and XXXX inquiries was placed back on my account without giving me a 5 day notice that the accounts will be placed back on my credit report. XXXX of the accounts was placed back on my report under other loans with XXXX missed payment on each account. As a result of this it caused my credit score to decrease as well as my payment history.

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 10/24/2015 about Bank account or service (Checking account) with CITIBANK, N.A. (CA).
Issue: Account opening, closing, or management

Complaint: When we opened the business account XXXX we were told that there would be no fees associated with the accounts. The remote checking and the fee for having the account would be complimentary XXXX. However, we were assessed fees on the XXXX account every month. When I brought the fees up, the Citibank representative XXXX XXXX XXXX told us she would address it, but never did. Apparently, she left Citibank XXXX XXXX XXXX for another branch. I have talked and emailed XXXX XXXX, the manager at the XXXX XXXX XXXX branch, many times and received no resolution. 
I have gone physically to XXXX branches ( XXXX, XXXX XXXX, XXXX XXXX XXXX, spoke to multiple individuals over the phone and spoke multiple times on the citibusiness hotline XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, but received no resolution. I have multiple emails of me following up XXXX 
All the representatives from other branches have told me to go back to Citibank XXXX XXXX XXXX, which is where we opened the account but I am not located in that area. In XX/XX/XXXX2014, when I went to Citibank XXXX told me that I should be able to resolve the issues at any Citibank I walk into since it should not have to be a home branch. They made multiple attempts to resolve this from what XXXX told me, but XXXX XXXX and the XXXX XXXX XXXX district never followed up. It was not until XXXX/XXXX/2014 when I followed up with closing the account that XXXX XXXX made an effort and stopped the fees from incurring. 

I have spoke to XXXX XXXX, the district manager, on XXXX/XXXX/2014, who told me that it is my fault for not bringing up the fees with the accounts within a 3 month time frame. 
I work full time XXXX and help out my mother XXXX. I do n't have time to pursue this issue full time. It has been incredibly frustrating to have to go through so many individuals at Citibank and receive no resolution at all. My impression is that it is easier for Citibank not to reach any resolution in order to continue incurring fees onto the account. A resolution to stop future fees was finally made on XXXX/XXXX/2014 when I told XXXX XXXX via email when I asked for the account to be closed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 03-02-2016 about Credit card () with PAYPAL HOLDINGS INC. (VA).
Issue: Unsolicited issuance of credit card

Complaint: I received a bill, in the mail, from PayPal Credit for {$1900.00}. I attempted to contact PayPal, with whom I have an account, directly but they never answered my call. I submitted a copy of the fraudulent bill but have not gotten a response. I called the company, Pay Pall Credit 's number listed on the bill and they wanted personal information to file a fraud complaint. I do n't know what to do. I never opened an account with Paypalcredit.com. What do I do?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/18/2015 about Debt collection (Credit card) with Legal Recovery Law Offices, Inc (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: On XXXX/XXXX/XXXX a judgment for {$8100.00} was taken against me without my knowledge. The debt buyers had won by default. On XXXX/XXXX/XXXX, my neighbors received a letter addressed with my name and their address, containing a 'subpoena deposition for bank records ' and XXXX for 'production of business records ' addressed to our bankI was never informed because they never delivered a supoena. 

I went to the courthouse and asked to see my file,. When I saw the process servers paper I knew why. This hearing was supposed to be defaulted, and if my neighbors would n't have given me the mail with their address, a year after the hearing, I would n't have gotten thus far. 
I went to file to vacate the order and a to quash the 'subpoena duces tecum ' and was denied. I tried to explain to the judge that I never received a subpoena and the process server lied because the description on his paperwork did not describe me, and in fact it was the opposite description of me. 
I could not vacate the order, they lied about everything, sued me on a time barred debt for {$8100.00}, and proceeded to place it on my credit report, as though I opened the account with them. This is when my neighbors address was put on my credit report as mine, and stipulated it was to stay until XXXX. This year his business address showed on my credit report also. I have had their home address removed this week, now I will work on the business address being removed also. 
While investigating all this I believe that my credit report is how they found out what bank to go to, and making it appear that I owed them a debt and they were the creditors. But by not informing me of the hearing and winning by default, messing with my credit report, I have stressed enough from all this just to have my motions denied. 
I also looked into the hearings they have going on in their home town, XXXX XXXX, there were literally XXXX of people being sued, are any of them receiving their supoenas? or will they win again by default.?

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with The CMI Group, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: CREDIT MANAGEMENT debt practices have notified me, for accounts collections. 
I contacted the XXXX major Credit bureaus, and Credit Management with an ID Theft Report proving to them that I was the victim of Identity Theft. I was overseas in XXXX when the account was opened. 
I have not received any financial gain from the above account. 
The entities named above validated the debt as his, yet they did not provide any documentation legally linking me to the accounts. 
The problem with their validation is : 1. The accounts are linked to an address that I have never resided at. 
2. The number one way companies validate an account is through a signature neither of the entities above have done so. 
3. My information along with others in his XXXX had been stolen I am sure they are very aware of the Fair Credit Reporting Act ( " FCRA '' ) and Federal Debt Collection Practices Act ( " FDCPA '' ) laws against " re-aging time barred accounts '', and the laws on " debt duplication ''. Their continued demand for money from our client is in violation of FDCP statutes 806 Harassment or abuse 807 False or misleading representations 808 Unfair practices 809 Validation of debts Therefore I request that you contact them demanding they validate these accounts. If they can not according to the FCRA, a block and or deletion of the accounts must take effect. FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of -- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section -- ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block. 

In the meantime they must cease and desist all debt collection practices. 
In the event Credit Management or the bureaus makes the " work-shy '' claim that the request for the block according to 605b was made in error they must properly and due diligently validated the accounts.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-11-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I filed an dispute with Bank of America XX-XX-2017. Advised, Bank of America to provide contract with my authentic signature. Moreover, should contract with my authentic signature not be available, delete tradeline from credit bureau. Advised Bank of America that they are allotted 30 days to provide disputed results to me. Never received correspondence from Bank of America.

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 01-06-2018 about Debt collection (Medical debt) with Professional Medical Management, Inc. (NJ).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: I called so many times ( since they refused to identify themselves when answering the phone nor wanted to spell their name for me ) employees are highly unprofessional, using extremely offensive language. 
I was given the number by hospital billing after I discovered on my credit report that some medical bill was still in hospital system. This is a scamming company. They report information to the credit bureau without contacting the person. After many attempts and MILLION of phone calls with scary techniques, i got scared and i provided my debit card information, they took around {$500.00} from my bank account with the promise to sent by mail a report to which i never received and when i tried to contact them NO ONE GIVES AN EXPLANATION or legitimate answer. 

The kind of unprofessional behavior is highly suspicious and i was a victim of their techniques to scare people over the phone.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/19/2015 about Credit reporting () with Experian Information Solutions Inc. (AL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: There was a small case suit against me in XXXX, as which, this was never placed on my credit files. The case was handled in mediation. The final payment was made in XXXX XXXX ; and now XXXX XXXX this has been placed on my credit files with all major credit bureaus. I am seeking help in reference to finding out why the major credit bureaus waited 5 years later to place this on my credit files? Why? I am hereby asking that XXXX be removed from all major credit bureaus because this was resolved in XXXX in mediation and was paid off in XXXX XXXX. It seems as though the credit bureaus of retaliating against me due to the many disputes I have submitted based on the laws. I am crying out for you to assist me in getting this public record removed from my files ASAP.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/16/2017 about Debt collection (Credit card debt) with First National Collection Bureau, Inc. (NV).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: TodayXX/XX/XXXX, I received a letter trying to collect on a debt that is 1. over 8 years old, and 2. paid off in XX/XX/XXXX, and 3. I paid taxes on it.
I called and spoke to XXXX, she was not a good rep and not helpful. I told her that I paid this debt in XX/XX/XXXXand paid the taxes on the debt cancellation, which she seemed like she had no idea what that is. I also mentioned that I was not happy over the fact that they are trying to collect on a debt over eight years old, and also that I paid on it in XX/XX/XXXX, and I have proof. That I would need their information so that my attorney can contact them since this is clearly illegal. She also said this would not go on my credit report, I found that strange. Most all collection companies report it. I worked very hard getting my credit back up to XXXX+.
A few minutes go by, I got my old records out of my dropbox account and my CPA 's records, I thought I need to call them back and get th complete account number to reference to to give to my attorney.
When I called, the person I spoke to gave me no name, I asked for the account number she said there is not one, and I said that this seems to be illegal that they are trying to collect twice on the account and its over 7 years old, she immediately hung up.
I was nice to each persons on phone, but firm in voice, as they were too.
The Company name : First National Collection Bureau , Inc .
Address : XXXX XXXX XXXX XXXX NV XXXX XXXX Ref # XXXX  Amount : {$4300.00} Original Creditor : XXXX XXXX XXXX Current Creditor : XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have information that is on my credit report this does not belong to me ... the address XXXX XXXX XXXX XXXX, MD XXXX and several accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX These accounts need to be removed asap I have filed police and ftc reports regarding this issue. 
Police Reporto Report number : XXXX Officer Name : XXXX XXXX XXXX # XXXX XXXX police department

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
Issue: Problem with fraud alerts or security freezes

Complaint: I reached out to the company via phone on XXXX/2017 attempting to get an explanation of the security breach. After waiting a total o 1 hour and 17 minutes, the non English speaking ( XXXX ) agent refused to answer my questions regarding the breach and hung up on me. 

I called back and waited another hour and when I got someone on the line asked to speak with someone who is in the United States, I waited again for 46 minutes and finally got XXXX on the phone who gave me scripted information about a protection plan through the same company that was breached. After explaining the terms I disagreed with the arbitration agreement. He said that there was nothing I could do and ended the call.

Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2016 about Debt collection (I do not know) with CCS Financial Services, Inc. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Consumer Collection Services XXXX XXXX XXXX, XXXX, MA XXXX M-F : XXXX - XXXX, Sat : XXXX - XXXX ET XXXX / XXXX + multiple other phone numbers CALL CENTER SUPPORT : XXXX XXXX : XXXX A. ( I 've withheld the name of the debtor ) These people WILL NOT STOP calling me. I have told them repeatedly that I am not the person they are looking for, I do not know him, I have never met him. He does n't live in my home & he does not own the rights to this phone number. 

They are making my life miserable with the non-stop calling. I have reported them to the DO NOT CALL LIST & FTC.gov. 

Thank you.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation