milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-11-2016 about Debt collection (Auto) with CAPITAL ONE FINANCIAL CORPORATION (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: XXXX is reporting an open account XXXX XXXX XXXX. This is not accurate. They may have acquired this fraud debt then but I have been disputing this matter since XXXX of XXXX. I was XXXX to XXXX from XXXX XXXX XXXX XXXX. Someone purchased a motorcycle in my name! I have asked repeatedly for the documents to prove I made this loan. I have NEVER received anything. The reason is because I was not in country to make this loan. I provided both the original creditor and XXXX this info. No response. I have spent more than {$100.00} sending them certified mail, no response. They are first reporting a debt that is fraud and second reporting the date of when they got the account, not the actual date the fraud took place. I do not know what else to do. Someone also opened a XXXX phone line during this time, XXXX has since taken the reporting off.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2016 about Debt collection (Credit card) with Resurgent Capital Services L.P. (OK).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: LVNV Funding is negatively reporting on an alleged debt that is 8 years and 4 months old. LVNV bought this debt and began reporting negatively XX/XX/XXXX. 

XXXX and XXXX have stopped including this report but XXXX still includes the negative reports from LVNV. 

I made a complaint to with the CFPB ( # XXXX ) asking XXXX to stop including this report, and to provide evidence of the debt. They stated that the, " data furnisher ( sic : LVNV ) has verified the accuracy of the disputed accounts, '' and that, " On XX/XX/XXXX, the results summary was sent to of you for review. '' This summary was NOT delivered via email, nor mail. 

LVNV not XXXX have not validated the accuracy of the LVNV to me personally, an alleged debt bought from XXXX and first reported negatively over 8 years ago in XX/XX/XXXX. This debt, and the subsequent claim from LVNV, should thus be immediately deleted from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2016 about Mortgage (Reverse mortgage) with REVERSE MORTGAGE SOLUTIONS, INC. (LA).
Issue: Loan modification,collection,foreclosure

Complaint: I am XXXX. In XXXX my husband was ill and obtained about XXXX. Medical bills were high and we missed XXXX insurance payments which put us in force insurance. We paid this for about 1 year. In XXXX, four years later, we recieved a bill for {$4500.00} for those three months of insurance of which we had already paid into for one year. Then my husband died. We were both elderly, XXXX and on social security. I lost my husband 's income. On XXXX/XXXX/XXXX an XXXX reasonable accommodation request was sent to the mortgage company, the servicer and the attorney. It was considered an at-risk extension request instead of a reasonable accommodation request and was denied on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX XXXX requested that I send the reasonable accommodation request to the mortgage company again along with medical confirmation of my XXXX. This was done on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX a status was requested on the reasonable accommodation request and RMS stated that they did not have anything in the file from XXXX/XXXX/XXXX. So all was resent to XXXX and also to their attorney. There is a sheriff sale scheduled in one week on my home and I am not getting answers. I am being treated as though I never submitted my request.

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2015 about Money transfers (International money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (MA).
Issue: Fraud or scam

Complaint: My mother is a victim of financial fraud. 
Someone contacted her via XXXX and managed her into sending {$1000.00} to XXXX. 

My complaint that Moneygram service ( located at XXXX store ) actually helped the fraud to happened. The elderly person ( she is XXXX ) walks in to the store ( and she does not look like she owns a fortune ), and send {$1000.00} cash to someone in XXXX. And she is from XXXX and obviously does not have any relatives in XXXX. Please review the practices and policies that Moneygram uses when they deal with an elderly persons.

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: On XXXX XXXX I wrote to Experian to dispute XXXX ' account, and asked Experian to provide me with a copy of the verifiable proof or to remove the account from my records. 

Experian responded with a form-letter dated XXXX XXXX which simply stated account " remains ''. ( Answer enclosed ) On XXXX XXXX I sent Experian another request for verifiable proof as per Federal law. 

On XXXX XXXX Experian responded with the exact same form-letter responding account " remains '', and again without any proof of debt. ( Answer enclosed ) The Credit Reporting Agency can not report a debt without any proof. They simply obtain a confirmation from the collection agency and to them that 's sufficient. I have contacted the collection agency and they do n't send any proof either, only a computer printout. 
This complaint is to advise that Experian conducted an improper investigation. Experian failed to provide me with a copy of any documentation for example, a consumer contract, an order form, an agreement, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act. 
Furthermore, Experian failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). 
Under Section 611 ( 5 ) ( A ) of the FCRA - Experian is required to " ... promptly DELETE all information which can not be verified. " Under The FCRA in Section 609 ( c ) ( 2 ) ( E ) it states : " A consumer reporting agency is not required to remove accurate derogatory information from a consumer 's file, unless the information is outdated under section 605 or CAN NOT BE VERIFIED. ''

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2018 about Money transfer, virtual currency, or money service (International money transfer) with WESTERN UNION COMPANY, THE (AK).
Issue: Fraud or scam

Complaint: I do not want complaint ID # XXXX closed until you can provide both signatures from the two different transactions I made to XXXX XXXX. 

When you can show proof of both signatures and they are the same then you can close the case but until then I want this investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Texas XXXX TransUnion Consumer Solutions, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 

I recently submitted a request for investigation of an Acct Number : XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX Docket # : XXXX IQUIRE THAT I DID NOT AUTORIZE 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 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/XXXX/XXXX XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX XXXX, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with The Leviton Law Firm, Ltd. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX ( dba XXXX ) gave my personal phone number without first trying to contact me or our business. When I heard from the first debt collector, I emailed her and XXXX documentation that I had paid the final bill. I never heard anything back from either of them. About 2 months later, I started getting calls from XXXX XXXX, XXXX XXXX, and several other people at Leviton Law Firm demanding immediate payment and asking for checking account information. 

I asked them for details, and they would say things like " you know what you owe '' or would just not provide anything. It did n't sound like they had much information other than my name, personal phone number, and an amount they had been told that I owe. 

I asked them for an email address or office location so that I could forward them the documentation ; they said they could not provide that. They also said " you would n't be able to do that because it does not exist ; you know you have n't paid it. '' To date, I 've received over 20 calls from them, many of them before and after work hours. I asked if I could record the call at one point and they instantly hung up. I still have not been given any opportunity to show documentation that we have paid this ( which I have readily available ). 

Furthermore, XXXX ( dba XXXX ) has also not emailed or called back.

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2017 about Debt collection (Other debt) with ProCollect, Inc (TX).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: X/XX/2017 : filed a complaint with CFPB X/X/2017 : ProCollect is contacting me directly at my personal number. I provided proof that I do not owe the debt X/2017 directly to ProCollect. ProCollect should be contacting me through my attorney but are instead harassing me at my personal number and claiming I gave fake information for my Attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2015 about Debt collection (Medical) with Grant & Weber (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: On XXXX XXXX, 2015 I sent a certified letter to Grant & Weber requesting verification of the debt they have been reporting on my credit profile. The debt total {$150.00} + {$50.00} for interest. I have yet to receive validation of this debt. On XXXX XXXX, 2015 I decided to send a letter to settle this debt and have it removed from my credit profile. Since the amount would total XXXX I figured I would save my self time and money and send them a request to settle this account. On XXXX/XXXX/2015, I received a letter from Grant and Weber stating they have no record that I made no attempt to contact their office. I have attached the XXXX certified letter receiptsand copy of the letter I received from Grant & Weber on XXXX/XXXX/2015. I was under the impression that they are required within 30 days to respond with proof of this debt belong to me. The letter dated XXXX/XXXX/2015 was not validation but a collection letter, they totally ignored validating this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have a collection accounts on my credit report and they do not belong to me, XXXXXXXX XXXX XXXX {$87.00} XXXX XXXX XXXX {$50.00}

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 08-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
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: Whenever you file a claim it seems as if nothing gets resolved because instead of helping the consumers, it seems that the companies just give whatever kind of answer they want and the case is closed in which it should not be. I have filed several complaints against credit agencies and the answer does n't resolve anything or has nothing to do with the compalint and yet my complaint is closed without addressing the issues or violations that the credit bureaus have violated. I have disputed my information on my credit report either by mail or on the phone and have requested method of verification in writing as to how this information was verified and any documentation associated pertaining to the accounts in disputes. I have also tried to dispute inquiries on my credit report and have had no success in trying to get this information deleted as these inquires were not initiated by me or said companies did not have my permission to pull my credit.. I have disputed public records and I have asked how this information was verified and validated and was told that the courts send this information over to them. This information is not correct as the courts have said they do not give out any information on anyone and the information the credit bureaus are telling is incorrect. I have tried repeatedly to get this information resolved and yet the credit reporting agencies are not doing through investigations and in relation to disputes but rather using an electronic methods to receive and validate information rather than physical documents or a real investigation to limit the damage to one 's credit reports. The representatives from the credit agencies state that they receive public records by using your name and social security number and that 's how they verify the disputes in regards to public records. Anyone can access public records and that does n't mean the information is correct or there are n't errors in the information that is contained in the records. They are not doing their job in verifying and validating information contained in my credit report but rather damage it in regards to negative information that they refuse to investigate or remove. These credit reporting agencies have no way for you to dispute inquiries that you did not authorize or recognize but yet they report this as accurate information and it remains on there for two years.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2017 about Consumer Loan (Installment loan) with WELLS FARGO & COMPANY (NV).
Issue: Taking out the loan or lease

Complaint: This issue is with Wells Fargo Bank. Unfortunately, I am a Wells Fargo customer. I got a promotion letter in the mail from Wells Fargo to apply for a Wells Fargo Discounted loan starting at 6.99 %. I go online to apply and the interest was at 8.97 % because I had excellent credit at XXXX credit score. I have no credit cards. I needed the loan for my wife 's XXXX that was n't covered by insurance. I get a call that the loan is approved and to come by the branch to sign the paperwork and obtain the funds. Nothing was mentioned to me about interest rate or payments. I go into the branch and low and behold I am blindsided by the banker with an interest rate of 13.99 %. I voice my displeasure and the banker makes a phone call. The manager says that is the best we can do. I had no choice but to sign the paperwork because it was too late to get the funds elsewhere in time for my wife 's XXXX. I did n't ' let this go and went up the chain. Someone in Iowa reached out about 7 weeks later and said sorry that is the best we can do. I believe that Wells Fargo committed Fraud here to obtain my business. They did the classic bait and switch option here. No wonder there new accounts are done by 41 %. This is truly unacceptable customer service by Wells Fargo. This is not the way to treat a Wells Fargo customer. I feel that took advantage of my situation because I need the loan funds to pay for my wife 's XXXX. Just plain not acceptable at all!!!!

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 05/31/2016 about Debt collection (Medical) with Central States Recovery, Inc. (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Debt Collector threatened to hire an attorney to come after me for my debt.

Company response to consumer: Closed
Consumer complaint received 03/24/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with McCarthy, Burgess & Wolff, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am continuing to receive calls from a collection agency after notifying them that I am not responsible for the utility charges they allege. I also called the company that they are collecting for and learned that company does not use this collection agency nor do they have my name filed under any service. I believe it is a scam.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: I have bank of america for last 20 years. I used to get email when my balance of my account go below theshold limit so i do n't pay them maintenance fees.     bank of america has started charging me {$14.00} fees for las t three mo nths without my knowledge, as i was not getting any paper or email statement starting from  X/XX/2017    to   XXXX     i have paid {$42.00} in maintenance fees.     every time i tried to call them the line is too busy and there is no email address to send them email on there website.

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
Consumer complaint received 07/23/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There is an address listed on my credit report that I have never lived at. The address is XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. I do not know whete this address came from but it is over XXXX miles away from me. Thank you.

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 07-02-2015 about Credit reporting () with EQUIFAX, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Information is not correct

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: XX/XX/XXXX - I submitted pertinent data to correct my personal information on my credit reports to  XXXX  and Equifax . This personal data included a government issued ID, bank statement with current addresses. XX/XX/XXXX - I received a letter from  XXXX  and Equifax stating that I need to send the same information that was sent in  XX/XX/XXXX  in addition to  XXXX  form and/or a copy of a birth certificate to verify my identification. To which I did n't comply. XX/XX/XXXX - I resubmitted the same information to   XXXX   and Equifax and received the same response in via a letter in  XX/XX/XXXX .
This has been an ongoing battle to with these  XXXX  credit bureaus to accurately update my personal information and no such luck.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/14/2017 about Checking or savings account (Checking account) with SUNTRUST BANKS, INC. (FL).
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint: I am very disappointed with SUN-TRUST. Im appealing a rejected dispute on my checking account. SUNTRUST conclusion is wrong. I did send them documentation ( which is basically the same asked when entering the claim online ) following all of my disputes every-time they requested it via e-mail. I did everything theyve asked of me. I contacted the Merchant in good faith but they failed to reverse the charges.

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 10/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (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: Subject : XXXX - Extras Master Cared - Acct number ending in XXXX CFPB Case XXXX A review of my records shows that the minimum amount due was paid on the billing cycles date. While all payments were received around the same due date, these payments satisfy the minimum amount due. Because the full minimum amount due is accurate, therefore the account should not reflect 30-days past due and report as such to the consumer reporting agencies.

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