milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/15/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: DEBT COLLECTOR ONLY SENT ME A COPY OF A BILL AS " VERIFICATION OF DEBT. '' I HAVE DOCUMENTED MULTIPLE ATTEMPTS TO GET FURTHER INFORMATION FROM THIS COMPANY TO NO AVAIL. A COPY OF A BILL IS NOT VERIFICATION OF DEBT. I DID NOT ASK FOR A BILL COPY. 

THIS DOES NOT MEET THE FEDERAL TRADE COMMISSION 'S GUIDELINES OF WHAT CONSTITUTES PROPER DEBT VALIDATION. ( FDCPA 809B ) All debt collectors operating in the State of Texas must be able to verify, or " validate, '' any debt on which they are attempting to collect payment. 

Texas Finance Code Section 392.202 requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to : The name of the original creditor The original date of default or non-payment of the debt The date the debt was transferred from the original creditor to the third party debt collector The original balance The current balance Surety bond information

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2017 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Trouble during payment process

Complaint: I filed a previous complaint and still have not received the requested information although complaint was closed without requested documentation. Please advise XXXX previous complaint

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2016 about Credit reporting () with Experian Information Solutions Inc. (WA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: We have numerous items being incorrectly reported on our credit reports by Experian. XXXX for example is an Account from XXXX that they have listed three times, each listed differently but each listed as derogatory but we only had XXXX account at this bank. I have written them at close to 10 letters asking for resolutions. They keep telling the the items have been verified or previously verified. Since I know they are not mine I have continually asked for proof of their verifications from the original creditor and not a third party reporting site as required by law. Yet they refuse to comply and have sent no proof of verification from any creditor listed on my credit file. 

We have accounts that I have asked them to remove because they are not mine and they tell me they are my accounts yet they will provide no proof of verification. 

Now they are asking me to provide proof of indetification but I have previously sent that to them 2-3 times from my same address. It is interesting how I have to prove my own identity but they can then destroy it with out proving they are reporting correctly by following the law regarding verification processed. 

I am filing this report as required before I hire a collections attorney. I have been denied credit several times within the past few months due to these errors and I will pursue this to the fullest extent. 

I have a i inch binder packed with letters over the past 6-9 months and can send if needed.

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 11-08-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Account opening, closing, or management

Complaint: Back in 2013 I started applying for jobs everywhere due to the fact I was a single mother. This company " XXXX XXXX company '' sent me a check letting me know I was hired and I had to activate the check and I could start working. I followed the directions in the letter that was originally attached to the check ( you will find it in the attachment of documents ) I activated the check and verified with the bank that it was real the lady I spoke with said yes and I had to deposit it and wait for it to clear. I woke up the next morning to my bank account being closed do to " fraudulent activity '' I have been fighting this matter with " XXXX '' & " XXXX '' back and forth since 2013. And till this day with all the proof I have they still are n't willing to work with me. I feel like I was ripped off of my life for the past 3+ years. I just want to be able to get my life together for my son. It is already hard enough living in XXXX XXXX let alone being a single mother. Please help me gain my life back!! People should n't have to suffer due to scams going around. Please look at all the information I am providing and take it into high consideration. Thank you for your time!!

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 01-10-2017 about Consumer Loan (Vehicle loan) with JPMORGAN CHASE & CO. (MN).
Issue: Managing the loan or lease

Complaint: I have a car loan through JP Morgan. I had someone hack into my bank account and I tried to remake my payment. JP Morgan took the payment out of my account three times for a total of XXXX This happened on XXXX XXXX, it is now it is now XXXX XXXX and I have been getting the run around by them. 
I have yet to get my money back. Every time I call I get a new date of when I can expect my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I 've learned that all of my information with equifax belong to someone other than myself. My drivers license was stolen, social security card & a copy of my birth certificate have been made. To began with my parents are deceased yet their social security numbers are being used by   XXXX   XXXX  . She once lived with my late father, his name is   XXXX   XXXX  . His social security number is  XXXX . He have been deceased since  XXXX . I reported his death to the social security department. He was a veteran. My mother name is   XXXX   XXXX   XXXX  , she have been deceased since  XXXX . My mother social security is   XXXX   it is still active. A seven year fraud have been placed on   XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX  . My youngest child have a   XXXX   XXXX   & he is a substance abuser. His name is   XXXX   XXXX   XXXX  . His social security number is  XXXX , his date of birth is  XX/XX/XXXX . He born in   XXXX   XXXX    at   XXXX   XXXX   hospital. He received social security benefits, all that is not being by someone spelling my name as   XXXX   XXXX   XXXX   &   XXXX   XXXX   they ate stealing hold support benefits from social security. The  XXXX  Family is using   XXXX   XXXX   to steal tax returns & my social security benefits. Wire transfers are being done for IRS to deposit refunds into their account with  XXXX . The   XXXX    belongs to  XXXX . Maker U S Treasury  XXXX .   XXXX   XXXX   XXXX   is - XXXX . A  XXXX  employee changed the last digit on my drivers license number on a check   XXXX   XXXX   sent me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/17/2016 about Credit reporting () with EQUIFAX, INC. (DE).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Ok I had someone steal my identity and have issue 's with Equifax keeping the fraud of my account. I have contacted them and they are doing nothing to fix just keep saying its facts. XXXX has done their job as this is what i pulled of my credit today as i copy. Since your last update on XXXX XXXX, XXXX, XXXX inquiries have been removed from your credit report. 
Lender Industry Inquiry Date Reported By XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Miscellaneous XXXX XXXX, XXXX XXXX XXXX Miscellaneous XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX So I am asking equifax to delete these fraud inquiries as well.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2018 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: The XXXX XXXX XXXX filed {$750.00} collection before XXXX/XXXX/XXXX. 
I never open a credit with this bank. The XXXX XXXX XXXX sold the case to XXXX XXXX XXXX Right now XXXX. 
I lost my Social security card and Green card too. I report it immigration service and I got replace green card.Also, I I report Social security department and I got replacement. 
I do n't know how fix the problem for that. 
Please help me. 
Many thanks

Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2015 about Debt collection (I do not know) with Convergent Resources, Inc. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Frequent and harrasing calls throughout the day on a daily basis. I gave already informed the company to cease their harrasing tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2016 about Credit reporting () with Experian Information Solutions Inc. (CO).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Experian has not removed disputed record of 4 months of late payments after Creditor committed to removing negative items. Experian has not updated all those that have requested my credit with the updated information. I confirmed this today XX/XX/2016 with Experian both online and over the phone. Too much time has passed and my credit is still suppressed by this inaccurate information. This must be resolved immediately.

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 07/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Hello, I had a collection reported on my credit report that occurred approx. 14 years ago. It was removed from my credit report many years ago. However, it has now been placed back on my credit report, with a different creditor and a different collection agency. When I contacted the agency they advised that they account had been sold and they were now attempting to collect the debt. I believe in Florida the SOL is 7 years. I can not recall the original creditor, I believe it might have been XXXX XXXX. It is now reported as XXXX XXXX XXXX. Collection Agency : Midland Credit Management Inc., the outstanding amount owed is XXXX They continually call me and send me letters with offers to pay 20 % and 40 % of the outstanding amount due. I would really appreciate any assistance you can provide to have this resolved. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-11-2017 about Debt collection (Auto debt) with ALLY FINANCIAL INC. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: My complaint involves the business practices and Debt collection practices of Ally Financial. XX/XX/XXXX I was in a bad XXXX XXXX at work and was in the hospital with a XXXX XXXX and XXXX that required XXXX causing me to be out of work for a while. I notified Ally because I knew i was going to get behind on the {$970.00} that I paid on time for two years. So I called Ally Financial and spoke to a manager on a recored line and advised her of my situation and medical condition and I would be on XXXX for a while. The manager then told me yes you are a good customer and what would you like to do? I advised her that I did not know how I was going to pay the car not and would like to give it back, she was then like o.k. thats an option and we would take it back and you would have nothing due to us because we would sell it.I paid in excess of {$15000.00} dollars on a care that was worth only {$39000.00}. Now we we tricked into buying the car due to the XXXX that we purchased at XXXX XXXX in XXXX, Ga had about eight recalls and two of them were safety recalls, so with that being said they would not allow us to take our XXXX home and gave us trade options. So now that I no longer have the vehicle Ally Financial has taken the vehicle back voluntary, but before they had the car they called in excess of 6 to 8 times a week in a harassing nature. I had to send them letters and ask them to stop calling and they did not. After sending several letters and seeing this on my credit report as negative they continue to harass me by adding XXXX dollars to the balance that I do not owe because they sold the vehicle and want to still come after me although the aforementioned Agent told me they would not. I sent them letters and they ignored several times and the last one I sent on XX/XX/XXXX I received no response until XX/XX/XXXX which was past 30 days. Now they are saying they cant find the conversation or any letters I sent and I have all copies I find this as corporate bullying and misrepresentation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2017 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Arbitration

Complaint: My name is XXXX XXXX AND I AM FILIND A COMPLAINT AGAINST AMERICAN EXPRESS CREDIT CARD. I HAVE NEVER APPLIED FOR ONE I WAS GIVEN A CARD BY MY EMPLOYER AND WHEN THE BUSINESS CLOSED I WAS STUCK WITH THE DEBT OF THE CORPORATION. I AM NOT AN OFFICER OR PART OF THE CORPORATION, I WAS ONLY AN EMPLOYEE. I HAVE DISPUTED THE ACCOUNT WITH AMERICAN EXPRESS OVER FIVE MONTHS BACK AND FORTH ASKING THEM TO VERIFY THAT I HAVE SIGNED ANYTHING THAT MAKES ME LIABLE FOR THIS DEBT. 
THEY HAVE FILED A CIVIL LAWSUIT AGAINST ME AND HAVE PUT A LEVY ON MY ACCOUNT. THEY HAVE BEEN WITHDRAWING MY MONEY WHEN THEY SENT A LETTER INDICATING THAT THEY HAVE NO SIGNATURE ON FILE FOR THE ACCOUNT THAT WAS OPENED UNDER MY SOCIAL. IT IS A VIOLATION OF CREDIT REPORTING LAWS. HOW CAN I BE BINDING TO A DEBT WHEN THEY HAVE NOTHING BEARING MY SIGNATURE. I AM DEMANDING THIS LAWSUIT BE REMOVED FROM MY NAME AND MY ACCOUNT TO BE CREDITED BACK THE $ XXXX THAT WAS TAKEN FROM MY ACCOUNT RETURNED BACK TO ME IN FULL. BASED ON FDCPA Section 807 ( 8 ) AMERICAN EXPRESS FAILED TO COMPLY. NOT ONLY DID THEY SEND A LETTER INDICATING THAT THEY WILL DELETE THE ACCOUNT OFF MY CREDIT BUT THEY CLAIMED THEY HAD NO SIGNATURE ON FILE FOR THE ACCOUNT YET I AM LIABLE FOR THE DEBT THAT IS ALL WRONG AND COMPLETE VIOLATION OF FEDERAL LAW FAIR DEBT COLLECTION PRACTICES ACT AND FAIR CREDIT REPORTING ACT WHICH ENTITLES ME TO DAMAGES OF {$5000.00}. THIS LAWSUIT NEEDS TO BE RETRACTED AND THE ACCOUNT CLEARED COMPLETELY FROM MY NAME WITH FUNDS RETURNED BACK TO ME AND THE LEVY REMOVED OFF MY ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2015 about Debt collection (Credit card) with DISCOVER BANK (IN).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: Discover Card sued me in Indiana Small Claims court and entered a judgment against me that exceeds the {$6000.00} Indiana Small Claims court judgement amount. 
In an attempt to collect the debt, my bank account was seized. I requested a court date, as my bank account contained both FEMA and Unemploment derived funds. The attorney for Discover Card phoned into the hearing and lied to the magistrate. The magistrate informed the Discover Card attorney that the funds were indeed exempt, and the funds were returned to me. 
I have checked my county 's online database, and discovered multiple Discover Card entries on magistrate 's dockets. Is there some type of judicial abuse going on in XXXX XXXX, Indiana? 

At the proceedings supplemental, I told the same magistrate that I had not received the paperwork the attorney showed me outside the courtroom. The magistrate 's response was, " I 'm not buying it ''. I told him I need to received all my court / legal / financial notices. After the magistrate announced, " adjourned '' and left the court room, the magistrate 's bailiff, ordered me to meet with the XXXX. I told the bailiff, that the magistrate just announced adjourned, meaning I was free to leave. The bailiff told me he could have me detained / arrested by guards. All this with my then terrified four year old in tow. We left the court room, not knowing if we would be detained / arrested. 

How is any of this behavior legal, and where can I file a complaint. I also plan on contacting the FBI. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Debt collection (Medical debt) with CMRE Financial Services, Inc. (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Creditor , XXXX XXXX XXXX XXXX XXXX dba XXXX XXXX XXXX was complained about in BBB Case # XXXX. According to XXXX XXXX, XXXX ext. XXXX, the creditor declined to engage in a dispute resolution procedure in XX/XX/XXXX. In XX/XX/XXXX, creditor forwarded one of their disputed accounts with me to CMRE ( account # XXXX ) located at XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, CA XXXX. On XX/XX/XXXX, I emailed XXXX a summarization of dispute history -- requesting it drop XXXX XXXX XXXX account per its unethical administrative conduct. To review , XXXX XXXX XXXX ( ACCT.XXXX ) forwarded for collection my disputed balance owing to a variety of  outside agencies without regard for billing errors. My emails to CMRE received no reply, but collection calls continued. BBB 's complaint # XXXX was started in XXXX XXXX in order to address CMRE 's deliberate indifference about XXXX 's conduct. In reply to BBB,  CMRE sent statement of PT services dated XX/XX/XXXX. In email reply to it, I addressed their record as not at issue. The dispute, rather, was about XXXX 'S broken promise to provide " in network '' benefits for my XXXX " XXXX XXXX '' policy first discussed with its Insurance Benefits Supervisor, XXXX.Instead of addressing XXXX 's dodginess re : billing error ( an internal matter after reported services ), CMRE simply provided reference to activities occurring prior to dispute -- changing the subject. So CMRE perpetuated XXXX 's refusal to address original cause for concern and create false inference that balance reported owing was without question marks. On XX/XX/XXXX, CMRE sent another form letter without contact info or reference to materials it received this month demonstrating support for my position that XXXX 'S reused to provide a dispute resolution procedure to which I was entitled over a year ago. Please note that XXXX 's has more than one account number, but all it 's accounts for me remain in disputed status with respect for above.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2016 about Debt collection (I do not know) with Paramount Recovery Systems, L.P. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I recently pulled my XXXX credit report ( XXXX/XXXX/16 ) and noticed a collection account by : PARAMOUNT RECOVERY SYSTEMS, Date opened : XXXX/XXXX/16, Last updated : XXXX/XXXX/16. 

I do not know Paramount, nor have I been contacted by Paramount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 07/18/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ProCollect, Inc (WA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Amount due is zero. Rental apartment lease was ended legally per Texas Property Code XXXX. I moved out of the apartment while still paying rent so new occupant selected by apartments could move in. Advised collection agency, ProCollect : 1 ) lease was ended legally, and 2 ) this is an attempt to collect double rent for the same apartment, which is also illegal in Texas. They refuse to remove the information from my credit bureau reports, which almost made me a homeless XXXX veteran and now prevents me from relocating to most other rentals.

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 06-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint: I have  XXXX  different FICO scores my bank is  XXXX   XXXX  is  XXXX  an d Trans Union  is  XXXX  this turns out to be a big difference and puts me below the  XXXX  because of  Trans Union w hy is there not a standard method for this use I called  Trans Union a nd they said they have their own way of calculating the score this seems really unfair any help would be appreciated

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 12/19/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (GA).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: Around XXXX XXXX Citibank began charging me a penalty interest rate because I had been late on a payment. This was at a time when I was in a financial hardship because of a job loss. It is now XXXX XXXX and I am still being charged a penalty interest rate on part of my balance. Citibank has not made any effort to return my interest rate to the original rate. This should have been done after I made " timely payments for six months '' and yet it has now been at least two years according to my review of past statements. 
When I called Citibank customer service to ask about the rate being lowered I was told that " it does not qualify '' to be lowered. I do not know what that means. This is the same way I was treated by Citibank on my other credit card with Citibank. Only after filing a complaint XXXX with the CFPB did Citibank decide to lower the interest rate back to its original rate. That was in XXXX XXXX. 
Based on Citibank 's conduct, which has now been repeated on not one, but TWO accounts, it certainly seems that they are intentionally keeping the interest rate higher even though my account has been in good standing.

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