milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I was leasing car ( XXXX XXXX  model XXXX ) from XXXX XXXX XXXX XXXX. My lease was ended in XX/XX/2017. At the end of lease, I contacted them for end of lease instructions by phone. XXXX customer service said they will send Extension of lease agreement, I have to sign, they will give 3 payments waiver. I received mail, i signed extension agreement. As per Extension agreement I did not paid 3 months. XXXX reported to 3 credit bureaus 60 days payment late. I contacted XXXX they credited into my account. But they not responding to my request to Late payment removal. I am unable to rent apartment, employment credit checks, credit card extenions because of credit profile of Late payments from XXXX on my 3 credit bureau proflile. Please kindly help in procedure. I have copies of extension lease agreement, payment history. I was never late as 3 payments are waiver as per agreement, XXXX itself credited themselves these payments then why I am late when payments are waived as per signed agreement. Thanks!

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 01-12-2016 about Credit card () with APPLE RECOVERY, LLC (CA).
Issue: Credit card protection / Debt protection

Complaint: I became a XXXX US XXXX i had XXXX insurance years ago on this old closed account and was told my insurance paid what they could and account was closed and charged off, now i get at all hours of the day and night threatening calls from Apple Recovery XXXX XXXX XXXX XXXX # XXXX, XXXX, AZ XXXX phone # XXXX calls of threats, intimidation and this has caused considerable distress and fear.

Company response to consumer: Closed
Consumer complaint received 06/28/2017 about Debt collection (Other debt) with Duncan Solutions, lnc. (NM).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I am disputing the validity of the debt in whole. I did not received the XXXX violations notice from the Delaware Department Of Transportation until months later by the debt collection agency. XXXX XXXX XXXX XXXX. The violations notice were mailed to the wrong address. At XXXX XXXX XXXX. XXXX, MD XXXX. The mailing address at XXXX XXXX XXXX, on my leasing contract is XXXX XXXX XXXX. XXXX, MD XXXX. The address for, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, MD XXXX. XXXX XXXX XXXX XXXXXXXX ... XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX. I received a certify original driver license application which has a asterisk next to the address ... I have explain my situation to ( Del.DOT ) and the collection agencyXXXX XXXX XXXX ; to no avail. Which I believe are at fault for my financial dilemma/default in credit.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2016 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have been slowly clearing up My credit and rebuilding it, as my Husband and I need to move back to XXXX ; Currently in MI for 10 years XXXX My Husband has XXXX and I need to be with Family and eventually he will need more XXXX I can not get XXXX XXXX because of collections on my account XXXX total was XXXX $ XXXX in medical bills! 
I contacted The Attorney XXXX XXXX In XXXX, XXXX that the accounts were with XXXX is her collection firm, they were willing to work with me as I paid them off, they were removed from XXXX ... XXXX had never had any .My Problem seems to lie with Equifax .HORRIBLE, RUDE, NASTY, NO ONE to speak EMGLISH with even half decently .. I have begged for XXXX XXXX XXXX .. after many holds, I am back in XXXX XXXX!! 
I finally paid for a month subscription thinking that might work again, ... I only got an North American to speak with when I decided to cancel ... then back to XXXX, XXXX, and Other parts of XXXX XXXX who are NOT able to speak or understand you .. all they say is Please hold! 
XXXX finally got a gal in XXXX in the USA, I told her about my arrangement ... how experian was removing them ... and I had maybe XXXX that equifax should have removed, her reply to me was " if they had something to report to us they would have!!!!! and then she asked if I had a memorandum oe letter from XXXX XXXX OR the attorney asking if I could prove this was our arrangement .. I said No, However, the young lady has been reporting to Experian and they are removed .. why can you NOT do the same .... I have sent in several disputes to Equifax , I DO NOT BELIEVE THEY DO anything! 
My credi score with them has not even changed I asked why? I was told they are a bit more stringent .... meanwhile, they are ruining peoples lives! 
Hopefully you can look into the matter for me ... they need a good kick and learn to work with and NOT scam people! 

Very Truly Yours, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/30/2016 about Debt collection (Medical) with Grant & Weber (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Being insured by XXXX when I had to visit the ER at XXXX XXXX XXXX in XXXX XXXX, I had a {$30.00} deductible/co-payment and should not be charged or billed over that amount which was paid. I have confirmed these facts with XXXX, XXXX Employee ID # XXXX, and their phone number is XXXX for confirmation. 

Both XXXX XXXX and Grant & Weber collections have been notified, yet they continue to falsely report the inaccurate information on my credit reports that I owe more money than my deductible.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SELECT PORTFOLIO SERVICING, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX took over the servicing of my Mortgage and almost immediately made a mistake paying taxes and collecting payments. My loan includes escrows which means the bank is responsible for paying my taxes when due. When XXXX received my school tax bill they failed to pay the school taxes. In XXXX they received the town tax bill. Since they failed to pay the school taxes in XXXX the school taxes were billed again and were added to the town tax bill. XXXX read this as my town taxes had increased from appox. {$2000.00} to {$10000.00}. XXXX then raised my escrow payment almost {$1000.00} per month to cover for their mistake. I immediately called them and told them of their mistake, but they did nothing to correct their mistake or the payment. I sent them a letter explaining their error ( attached ). It was ignored. I made several other subsequent calls and they ignored me, acting as if I was a liar and did not know what I was talking about. I would explain their error and they would respond that I owed the additional funds. It was as if they turned the volume off on the phone and did not hear a word I said. This included managers I spoke with. I was treated with absolutely no respect or concern. They acted as if it was impossible they could have made a mistake. Almost 2 years went by and XXXX ignored every call and every letter. It was not until after dozens of attempts to correct their mistake I got a manager who actually looked at the escrow account and saw there was thousands of dollars in excess funds in the escrow account. However, He still never admitted the mistake. I was told I needed another {$500.00} to bring account current. At this time XXXX was already holding {$43000.00} and still reporting I was almost 2 years behind on my mortgage even though they had all the payments. Also, I did not need another {$500.00}. XXXX had been holding over {$1000.00} for years which they could never explain why. They refunded this money to me about a year ago. So in fact they had all the payments plus approx. another {$700.00} and XXXX was still reporting my account almost 2 years late. XXXX needs to immediately correct my credit report to reflect no lates. I believe they should also have to pay restitution for all the problems this has caused me in obtaining new credit. XXXX has violated multiple laws for collecting and reporting a debt while servicing my account without taking any responsibility at all for their negligence.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX charged me a bill I did not owe. They also put XXXX separate charges but XXXX separate collection agencies on my credit report. After a few disputes XXXX was deleted. However the other remained. Both XXXX and the collection agency Enhanced Recovery keep passing the buck saying I owe this charge. Most recently I just received a noticed addressed to a former resident of my address with the same XXXX charge info. I had no knowledge of the prior resident I just happened to open the wet letter to see what it was in my mailbox.

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 02-09-2017 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (NC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Caller left no message so I called the number back and got told I owed a debt to Washington Mutual credit card. After I told caller to stop calling me and to only communicate through writing, continued to call me 12 times. I have no knowledge of this debt, does not show on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2016 about Debt collection (Payday loan) with Clear Debt Solutions, LLC (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I have a delinquent loan with XXXX XXXX XXXX. A company called CDR has been trying to collect on that loan. I contacted my Bankruptcy attorney who told me they are a SCAM company and the only thing to do is contact the FTC and file a complaint. their phone number is XXXX and his extension is XXXX and goes by the name of XXXX. Also contacted my brother and has all my personal information. Please stop this person, he tries to bully to get me to pay, even after I gave my attorneys contact info, he wad irate.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2015 about Consumer Loan (Vehicle loan) with BBVA COMPASS FINANCIAL CORPORATION (AZ).
Issue: Shopping for a loan or lease

Complaint: Who and what is this company? It needs to be removed from my credit report! This is only XXXX out of about XXXX that should not be there!

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2015 about Mortgage (FHA mortgage) with Norwich Commercial Group, Inc. (FL).
Issue: Application, originator, mortgage broker

Complaint: I had provided a lender, Norcom Mortgage, with our personal information/data to obtain pre-approval on a mortgage. XXXX of their loan officers attempted to e-mail myself and my husband a copy of our credit report, however, she sent it to a wrong e-mail address instead of my husband 's correct address. Our privacy has been violated in accordance with their privacy policy as our personal data and private information in violation of our consumer privacy as our complete Social Security Numbers and Date of Births are both out there somewhere. The loan officers negligence has caused a privacy breach for us and we are now at an increased risk for identity theft. I contacted their CEO on the same date and he has not responded to me. This is a severe violation of our privacy and we are asking them for a resolution to this.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/13/2017 about Debt collection (I do not know) with Nations Recovery Center (NJ).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: The company repeatedly refuses to send requested paperwork proving there is a debt. Gentleman keeps laughing and making veiled threats : '' " We already KNOW where you ARE!!! '' and " You 'd BETTER do a property search on your name and social security number! HAHAHAHA! '' and then hangs up.

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 01-04-2018 about Checking or savings account (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (LA).
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint: I checked my balance late XXXX on XX/XX/XXXX, my balance was XXXX dollars plus change. The morning of XX/XX/XXXX, I checked my account to find the balance much lower. I checked my transactions to find I had been double charged for the following purchases. 
XXXX : XXXX, XXXX, and XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX. These amounts were again deducted from my balance and total XXXX. I called my bank, Capital One, and they explained a glitch had occurred and it would be fixed by the next day. Later on that same day, I made a deposit of XXXX at Capital One Bank. After the glitch was repaired, my balance was much lower than it should have been. I was expecting to see a balance of about XXXX and the account showed XXXX. These transactions came in overnight, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX. I spoke to customer service and a manage by the name of XXXX at the bank 's XXXX number just to be told the bank was correct. Obviously I do not agree. My balance of XXXX, deposit of XXXX and elimination of XXXX double charges minus the XXXX overnight charges, my balance should be greater.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with The Thomas Agency, Inc. (ME).
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: XXXX / XXXX / XXXX  ... the  Thomas  agency  XXXX    XXXX   XXXX    XXXX / XXXX / XXXX  ... the  Thomas  agency.  XXXX    XXXX   XXXX   XXXX    XXXX / XXXX / XXXX  ...  XXXX  the Thomas agency.  XXXX    XXXX   XXXX   XXXX   XXXX    XXXX   XXXX  the Thomas agency.  XXXX    XXXX   XXXX   XXXX   XXXX    XXXX / XXXX / XXXX  ...  XXXX  the Thomas agency.  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX / XXXX / XXXX  ...  XXXX  the  Thomas  agency.  XXXX   XXXX   XXXX   XXXX  I contacted all creditors with my Medical Insurance information, for them to correct their billing and reporting error, also reported thus information to The  Thomas Agency, all said it would be corrected and removed, due to billings clerical err ors in not billing my insurance, for I 've never been without medical insurance. This is still on and hurting my credit so I can not improve my 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 12/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Equifax is reporting collection account XXXX XXXX XXXX, XXXX for amount of {$670.00}. I have disputed this collection with Equifax several times as this collection does not belong to me. I have also sent XXXX XXXX XXXX, XXXX a debt validation and they have not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2017 about Debt collection (Medical) with Receivables Management Partners, LLC (IN).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: In XX/XX/XXXX I was staying at a friends house while waiting for my apartment to be vacant. I had to make two trips to the XXXX due to XXXX. While there I gave them my father 's insurance that I am listed on. In XX/XX/XXXX I moved back in with my parents and submitted a change of address, at this time I still had no received any type of written communication about money being owed. Fast forward to XX/XX/XXXX I tried to purchase a new car and it said my loan was denied due to derogatory marks on my credit. As I was looking at it, it shows that my insurance was never billed and I never once received any form of communication from the collection facility. I have since contacted the hospital and they said they were going to review the account and make sure to bill my insurance. Since then the late payments have been removed but the derogatory marks are still there. No one from the collection place has tried to contact me regarding any account that I have or that I could dispute it. The hospital is saying that it is up to me and the collection company now. When I have tried to contact the company myself the customer service gives me the run around and will not help me with any answers.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX XXXX XXXX XXXX Account # XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
I appreciate your prompt attention to this matter, and await your reply.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: hippa cra violation never late and showing inquires that are not mine sent police report enclosed are hippa and cra violation XXXX included with showing a late everything i sent to everyone XXXX breach has cost me my life

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 07/31/2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Debt was written off by the company. Now the debt collector is attempting to collect the starting balance. Why should I pay a debt collector when the company has written it off as bad debt? 
They are calling my husband as well and he did not own the account. I put his name on my savings when I had money in the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/16/2016 about Debt collection (Credit card) with ERC (NJ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I sent them letter about requesting validation on account they report to bureaus there is not one dispute on file and no respond from them

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 04/17/2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (PA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: In brief, I received a settlement check for the damages on my car from XXXX   XXXX   XXXX on Thursday XX/XX/XXXX, as I went to mobile deposit the check, ( since I live in XXXX  and the closest Bank of Wells Fargo is a 4 hour drive ) I noticed for some strange reason the maxim amount to deposit a check was {$2500.00} a day, Since my check was over that amount, I contacted Wells Fargo, I was informed they had no idea why it was set at {$250000.00}. I was given the option to Overnight the check to express deposit and was given the address in XXXX  Or. which was confirmed by an employee from Wells Fargo, it was the correct address.. I went to the Post Office overnight my endorsed check along with a deposit slip, to deposit the check into my account. I did receive confirmation that Wells Fargo did receive my check the next day Friday XX/XX/XXXX at XXXX XXXX.since then, I have been given the run around, spoke and explained my situation to several employees of Wells Fargo, with no success, as to why they have not deposited the check into my account. I have claim numbers, and the names of several employees I have spoken too. This is very frustrating and the important fact that I need the money to purchase another car. In closing I was told that when the check is over nighted to this facility, the check would be deposited the same day and the money will be available, why this has not taken place, or where the check is at Wells Fargo. I am looking for the money to be credited to my account.

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 monetary relief