milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/20/2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Fax : XXXX ATTENTION PORTFOLIO RECOVERY ACC #  XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of XXXX Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/30/2015 about Debt collection (Medical) with CCS Financial Services, Inc. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: CCS has been calling my phone number since XX/XX/XXXX asking for a person who relinquished the line before I purchased it. XX/XX/XXXX, I informed the person calling to cease all contact and that any further attempts to call would be referred to the Federal Communications Commission and the Maryland State Attorney General 's office. Today, XX/XX/XXXX ; I was contacted again by the same debt collection company. These calls are highly irritating and completely in error and I have no relationship with the person they are attempting to reach other than having her former phone number.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 about Payday loan, title loan, or personal loan (Payday loan) with Midwest Recovery Systems (OH).
Issue: Problem with the payoff process at the end of the loan

Complaint: I have an unverified account from MIDWEST RECOVERY SYSTEMS. I had previously disputed this account. I have never done business with MIDWEST RECOVERY SYSTEMS. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that MIDWEST RECOVERY SYSTEMS Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that MIDWEST RECOVERY SYSTEMS Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (DC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There are two XXXX XXXX XXXX accounts on my credit report that do not belong to me. The first  account has an account number of " XXXX '' and a balance of {$5600.00}. The second account has an account number of " XXXX '' and a balance of {$4600.00}. <P/>Experian is the only credit agency who is reporting these accounts on my credit and they are refusing to remove them saying that they have been verified to belong to me. I do n't understand how this is even possible. In the past, XXXX was also reporting these two accounts and when they conducted an investigation, they were promptly removed after it was verified that they did NOT belong to me. How can Experian and XXXX come back with two different results for the same dispute and investigation? I have already called XXXX XXXX XXXX and they have confirmed to me that there are no records that match my personal information! I do not believe that Experian is processing my disputes properly and I am now looking to meet with an attorney to address this issue. It is wrong for other persons ' accounts to be reported on someone else 's credit report and I can not continue to allow this to happen.

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 06-02-2017 about Payday loan, title loan, or personal loan (Installment loan) with LENDING COMPANY, INC., THE (GA).
Issue: Problem when making payments

Complaint: In  XXXX  I was attempting to paid off my account and made several payments. In  XXXX  I received series of communications via, email, mail and phone call suggesting that since the payments did not occurred on  XXXX , my account is past due. I made multiple payments in  XXXX , however I was n't able to complete the payoff of the account because the last payment was reversed  ( Complaint Number   XXXX  ). I have talked to  XXXX   XXXX   XXXX  on a couple of occasions and they are claiming that my payments for the month of  XXXX  is credited only against the balance and not the schedule payment. Also it look like they are trying to backdate my payments to applied to  XXXX  ( see attachments ) and report my account as 30 days late. I believe this is acting in bad faith in an attempt to force me to make additional payments for  XXXX .   XXXX    XXXX   XXXX  is also overdrawing the payment amount in  XXXX  based on their belief that I am past due.

Company response to consumer: Untimely response
Consumer complaint received 09/30/2015 about Credit card () with U.S. BANCORP (CA).
Issue: Billing disputes

Complaint: I just emailed this after a second attempt to resolve a " late payment issue '' with USBank Credit Card from XXXX. Please contact me if the details are not clear. 

" I just had the worst experience of my life in dealing with a credit card company when I called to fix a misunderstanding on my account resulting in a late payment when I updated my autopay. I took precautions to not miss a payment, and somehow it missed anyway. When I called in the lady -- no, she was n't a lady -- the woman, who possessed low social intelligence, decided to take a condescending and accusing tone with me, blaming me for the problem rather than helping me resolve it. Therefore, I 'll be filing a complaint with REI, the BBB and with the Consumer Financial Protection Bureau as well as submitting erroneous claims disputes to the credit rating agencies. 

This late payment was an error that occurred due to a ridiculous system wait time XXXX MORE THAN 60 days?! ) for auto payment update, XXXX that I will argue is intentional to increase bank revenue streams by charging default interest rates. 

This has already resulted in a credit line decrease, which I want reinstated AND a late payment ding on my credit report, which I want corrected immediately. 

" XXXX bank ''? Ha ; that 's absurd. ''

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2018 about Debt collection (Medical debt) with Commonwealth Financial Systems, Inc. (KY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Commonwealth Financial Systems removed the 2 accounts that aren't mine from XXXX, KY on my XXXX  in the amount of {$1300.00} and {$1300.00}. They state that theses are 2 different accounts in the same exact amount! However they never were removed from my Transunion Report. I also reached out to XXXX XXXX and asked about the 2 accounts. They verified that there was one account not 2 in the same amount. There is one account in the amount of {$1300.00}. So CFSI is basically trying to make me pay them twice for the same bill. If they have proof that I was in XXXX, KY and seen a Doctor and have proof of my signature or me in a video surveillance I will be glad to pay, however it doesn't exist. My Ex wife lived in XXXX and is using my identity. Please remove these accounts immediately! Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2016 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (IN).
Issue: Loan servicing, payments, escrow account

Complaint: Had numerous problems over two yrs. over last two months I have called Bank of America over 15 times went to voice mail. I received one call in that time. Over one month ago I requested loan mod application. Never received now as of XXXX I have foreclosure papers on my home

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 09/21/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Financial Business and Consumer Solutions. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: FBCS INC HAS BEEN WITHDRAWING MONEY FROM MY CHECKING ACCOUNT IN THE AMOUNT OF XXXX DOLLARS PER MONTH. THIS DEBT WAS INCLUDED IN CHAPTER XXXX BANKRUPTCY. FBCS INC COLLECTION AGENCY HAS NO WRITTEN AUTHORIZATION FROM ME TO WITHDRAW ANY MONEY FROM MY CHECKING ACCOUNT FROM XXXX. SINCE FBCS INC HAS NO WRITTEN AUTHORIZATION FROM ME TO DO SO AND NEVER DID GET ANY FORM OF AUTHORIZATION THEY NEED TO CEASE ANY FURTHER COLLECTION FROM MY CHECKING ACCOUNT. THEY NEED TO UPDATE THEIR RECORDS TO SHOW DISCHARGED IN CHAPTER XXXX BANKRUPTCY AND PAY ME BACK FOR ANY MONEY THAT HAS BEEN WITHDRAWN FROM ME.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 04/15/2015 about Debt collection (Medical) with Medical Data Systems, Inc. (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Starting on XXXX XXXX, XX/XX/2015, on XXXX on or about XXXX XXXX Medical Revenue Service called my personal cell phone claiming to collect a debt I owed for unpaid medical fees amounting to {$450.00}. Prior to this, my insurance had informed me in writing that they approved covering the aforementioned {$450.00} medical fee. During the call, I offered to provide my insurance information so that Medical Revenue Service could file a claim with my insurance to pay this alleged {$450.00} debt. The debt collector refused to take my insurance information, and then insisted on asking for my credit card information. After informing them I do not owe the debt, the debt collector maintained silence on the phone call without hanging up or informing me that they were finished with the phone call. I then asked if they had anything else to speak with me about, and then when they confirmed that there was nothing else they wanted to speak to me about, I ended the call. As of XXXX XXXX, XX/XX/2015, I have yet to receive a written validation notice from Medical Revenue Service. In fact, I have yet to receive any written communication from Medical Revenue Service ; all of their communication has only been through calling my personal cell phone. 

At some point after the initial call from Medical Revenue Service, I contacted the hospital that serviced me to confirm if there were any outstanding fees I had to pay. The hospital did not have any fees, and they confirmed that they did not send any outstanding fees to debt collection.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2015 about Consumer Loan (Vehicle lease) with TOYOTA MOTOR CREDIT CORPORATION (VA).
Issue: Managing the loan or lease

Complaint: This morning I received a collection call from Toyota Financial Services, from whom I lease a vehicle. They claimed I owe over {$970.00}. After over an hour on the phone, it turns out that an online banking payment was not received for XXXX. The total amount due was {$500.00}. But the collection agent acted as if I owed that amount, plus the amount due for XXXX, for which I have not yet received a statement, and which is not due until XXXX XXXX. I have never been dunned for amount for which I have not been billed. This is beyond bad customer service ; I believe that it constitutes harassment, violates the terms of the lease, and may violate federal regulations, to seek to collect amounts prior to their due date.

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2016 about Debt collection (Credit card) with Pinnacle Credit Services, LLC (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have an account in collections from XXXX that is being handled by Pinnacle Credit Services. The balance has ballooned from just over {$50000.00} to {$110000.00}, more than double.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2017 about Debt collection (Other debt) with M. G. Credit, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I Have MGCREDIT reporting on an acct that is not mine. 
I asked to validate the debt, they sent me contract with no identifing information other than my name. No d.o.b. or last four of social. The only thing given aside from a contract is a signature ( see attached ) that is not mine ( also see attached )

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2016 about Payday loan () with Advance America, Cash Advance Centers, Inc. (CA).
Issue: Received a loan I didn't apply for

Complaint: Company claiming to be a debt collector keeps calling me and texting me from different numbers stating I have to pay for a payday loan from Advanced America from XX/XX/2013, and that they are going to come to my job and arrest me. They state they are calling from XXXX and I spoke with a gentlemen by the name of XXXX XXXX. I have received calls, text messages and voicemails from the following phone numbers : XXXX, XXXX, XXXX and XXXX.

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 05/30/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I have perfect credit and NationStar bought my Mortgage from XXXX. XXXX thing is they charge XXXX for processing your on time payments via their website. Next I tried to call the customer service line and I need to type my information in many times but it never worked, next If you speak your information it takes a few times to get that to work as well. Once you do get to a representative they ask for the information again because it does n't feed to the representative. They also introduce them self as a DEBT COLLECTOR. Next I begin to tell the badly trained XXXX rep. about the {$10.00} fee and she said it is a processing fee. I told her that the letter I received stated that they honor all terms of the original mortgage and fees for payment was not included. I ask for a manager and never got XXXX ... The call was disconnected after a few minutes being on hold ... I called XXXX with the same story and XXXX time I was disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with FAIR COLLECTIONS & OUTSOURCING, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: cra violation and hippa inaccurate information id theft victim 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 06/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: On or before XX/XX/XXXX ; AND on or before XX/XX/XXXX ; AND on or before XX/XX/XXXX ; AND AGAIN on or before XX/XX/XXXX, I have repeatedly disputed - via Certified Letters - to both the creditors as well as to all three Credit Reporting Agency ( XXXX / Equifax / XXXX ) without any success! All three are reporting incorrect statuses. No response other than a computer generated response from the Credit Bureau stating they will review / investigate. Because of the Creditors or Credit Bureau not responding indicates a clear violations of the FCRA. Please be advise that I have sent over twenty certified letters ( 26 to be exact ) since XX/XX/XXXX to both Creditors and as well as to all three Credit Bureau Agency disputing and requesting debt validations. These alleged debts have been on my credit report since XX/XX/XXXX, though I paid these debts in full in XX/XX/XXXX!. I have requested Debt Validation from : XXXX : a ) XXXX Acct No. XXXX b ) XXXX / XXXX XXXX Acct No. XXXX c ) XXXX XXXX A Acct No. XXXX EQUIFAX : a ) XXXX / Preferred Customer Acct No. XXXX b ) XXXX / XXXX XXXX Acct No. XXXX c ) XXXX XXXX A Acct No. XXXX XXXX : a ) XXXX / Preferred Customer Acct No. XXXX b ) XXXX / XXXX XXXX Acct No. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2016 about Student loan (Non-federal student loan) with ACS Education Services (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: ACS has been applying my entire monthly payment only to interest and allocating XXXX to the principal.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2017 about Bank account or service (Checking account) with CITIBANK, N.A. (IL).
Issue: Account opening, closing, or management

Complaint: Citibank has confirmed my promotion on the case XXXX. They told me that " the cash bonus of {$400.00} will be applied to your joint account no later than XX/XX/2016 ''. However, till now I have not received that. I reported to the banker and phone service, they just pass the bucks and not take responsibility. 

I am tired about citibank service and reluctant to solve the problem, I feel bad of they did not make their promise.

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 06/28/2016 about Credit reporting () with EQUIFAX, INC. (IA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am a victim of identity theft and someone stole my personal information and identity to open unauthorized and fraudulent accounts and inquiries. I have received harassing and threatening telephone calls and death threats from various credits in regards to the unauthorized and fraudulent accounts. The following accounts are unauthorized and fraudulent : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, The following inquiries are unauthorized and fraudulent inquiries : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX XXXX XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2017 about Debt collection (Other debt) with Bonneville Billing and Collections (OR).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I requested debt validation/verification from  Bonneville Col lections. The amount and orginal creditor did not correspond with any information I had in my files. My first request was received by registered mail on  X/XX/2017   , my send request was received by registered mail on  X/XX/2017   . I provided my current address and identifying information. They have failed to respond to my requests. In addition, with each letter I have sent requesting verfication, they have marked my Credit Bureau account disputed/verified/resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2016 about Credit reporting () with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I discovered that XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MI, has a collection of {$640.00} on my credit report. I telephoned the company and was informed the collection that they submitted was not submitted under my social security number. However, the collection appears on my report.

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