milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/17/2018 about Debt collection (Credit card debt) with Resurgent Capital Services L.P. (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: XXXX XXXX XXXX View All Accounts Previous Next Details Account # XXXX Original Creditor - Company Sold - Account Type Credit Card - Revolving Terms Date Opened XX/XX/XXXX Account Status Closed Payment Status Charge-off Status Updated XX/XX/XXXX Usage 10 % Balance {$50.00} Balance Updated XX/XX/XXXX Credit Limit $ 500 Monthly Payment - Past Due Amount {$50.00} Highest Balance - Terms Revolving Responsibility Individual Contact Information XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX View All Accounts Previous Next Details Account # XXXX Original Creditor -Company Sold XXXX XXXX XXXX Account Type Credit Card - Revolving Terms Date Opened XX/XX/XXXX Account Status Closed Payment Status Charge-off Status Updated XX/XX/XXXX Usage 0 % Balance {$0.00} Balance Updated XX/XX/XXXX Credit Limit $ 500 Monthly Payment - Past Due Amount - Highest Balance - Terms Revolving Responsibility Individual Transferred to another lender or claim purchased Contact Information XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} {$500.00} 0 % Revolving Negative XX/XX/XXXX XXXX XXXX XXXX XXXX {$50.00} {$500.00} 10 % Revolving Negative XX/XX/XXXX These two accounts are the same and are being reported inaccurately in the fact they are the same company and are trying to appear as the same debt is 3 deliquent accounts instead of just the one original one. In addition to this, the terms and amounts of debts are all incorrect and being reported inaccurate. I asked for this account to be validated in writing from the original creditor once I saw it being reported on my XXXX Credit Report. I was not even sure I owned this debt to begin with. The company told me they would not mail me a validation, but would mail me the current bill not including the intrest as that could not be calculated until the final bill was paid. I was unsure how this made no sense but still said I needed a validation letter as well. Regardless, I received neither. In addition I was never notified in writing that the debt had been sold to a new collection company so that they could at least provide me with the deatils of this account that I still am not sure it is mine. I know XXXX XXXX has been involved in law suits with consumers recently and came to court unprepared to show proof of ownership and have had many complaints filed against them regarding their unscrupulos and fradulent debt collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2017 about Credit card () with CITIBANK, N.A. (NY).
Issue: Delinquent account

Complaint: A few years ago I contact ed Citi bank  regardi ng my sears cr edit card account and inform them I will like to dispute the balance on my account because I 've been paying for this account for years and the balance has n't changed. If anything it has increased exponentially.   I also advised citi to not contact me by phone and and requested any sort of correspondence should be done via mail. Needles to say they completely disregarded my request and kept calling me and NEVER validated my balance or submit to me my request of original application for this account and the original Terms and Conditions. I keep paying on this account even though my request went on deaf ears. About a year or so ago I contacted them again and requested the interest rate on this account reduced so that when I make payments on the account it will actually help reduce the balance owed .... that request was n't honored. I then again requested a validation of this debt. Months went by and I never heard from citi again. As far as I 'm concerned they have violated the CFPB laws,  Udap, Fcra a nd multiple rules with respect to honoring my demands. Due to citis violations of these rules I am requesting that this account should be closed and deleted from my credit reports.     XXXX   XXXX   XXXX   also called me and mailed me with regards to this dey stat ing Citi sold t he account to them. I explained to the representative that this account should be closed and deleted from my credit reports due to Citis violations. The rep advised they will not be doing such thing. The rep then proceed to offer me a settlement offer, completely ignoring my demands. This collection agency has a horrible reputation for strongarming customers into paying disputed debts. I am her by asking this debt to should be closed and deleted from my credit report. I will be forced to hire a legal professional to assist me with the matter if citi and   XXXX   XXXX   refuses this request.   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 explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint: I was part of the XXXX credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by XXXX, Transunion, or XXXX in the first place. Congress should make credit freezes and unfreezes free federally. Credit Reporting Agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking the time to read my complaint.

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 08-06-2015 about Debt collection (Credit card) with Resurgent Capital Services L.P. (NV).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I have written to this company and the previous alleged owner of this debt ( XXXX ) XXXX times and I have not received any response and/or verification of this debt. This account was previously owned by XXXX and they have now notified me that LVNV Funding has bought this EXPIRED debt. I verified with XXXX, XXXX and XXXX that this company and the previous company had not verified this debt in accordance with FDCPA section 809 A & B. No signed contract, canceled check and accountings as requested per my XXXX and XXXX letter to verify this debt was ever received. Also, please be advised the STATUTE OF LIMITATIONS for this account has expired. Also, this company allegedly purchased the debt on XX/XX/XXXX. This is NOT the date where the statute begins for an open ended account. This is an expired debt. The State of Nevada has a Statute of Limitations of XXXX ( XXXX ) years. This is an alleged debt from XX/XX/XXXX. As of this date, I still have Not received any paperwork, and/or verification of this debt from neither company the previous alleged owner : XXXX or the new company LVNV Funding , LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2016 about Debt collection (Medical) with Franklin Collection Service, Inc. (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Franklin Collection Service continues to report a bogus medical bill on my credit reports. Consumer has disputed this item for almost three years. Franklin Collection Service does not respond to my continued e-mails regarding the validity of this bill. Medical bills are handled by my insurance plan.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax handled my information improperly and thus caused my information to be exposed to 3rd parties. Their offer of 1 year of free credit monitoring service is a slap in the face since my exposure does n't last one year. It will have a lasting effect on my entire life.

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (WA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Since Monday XXXX I have received calls from this company each day and most twice a day. This company has blatantly violated the FDCPA in attempting to contact more than three times a week. Then attempts were XXXX at XXXX and XXXX, XXXX at XXXX and XXXX, XXXX at XXXX and XXXX, XXXX at XXXX, and last attempt was XXXX at XXXX when I finally got through to someone and told them to stop calling. In addition after discovering what the account was for and who the company was they have also failed to send the first notice for the account as it has never reached my residence and the address that the original creditor has/had is my current address. 

They used XXXX different numbers to contact me : XXXX, XXXX, and XXXX

Company response to consumer: Closed
Consumer complaint received 11/13/2015 about Credit card () with TD BANK US HOLDING COMPANY (MD).
Issue: Rewards

Complaint: I received an offer by mail from TD Bank to open a credit card account. They promised a cash reward of {$200.00} if I spent {$500.00} using the credit card within 90 days of account opening. I applied for the credit card on XXXX XXXX, 2015 by mail, and spent over {$500.00} by XXXX XXXX. Their rules for the program promise to pay the bonus within 6-8 weeks after the eligibility criteria are met. I have still not received the bonus even though it is now more than 15 weeks since I met the eligibility criteria. I called TD Bank on XXXX XXXX. They insisted that I FAX them a copy of the offer I received, which I did. I called again yesterday. They told me that the reward would be posted to my account by today. It has still not been posted. They continued their runaround today by telling me they mailed my FAX to " corporate '' and were still " investigating ''. The agent offered to let me speak to a supervisor, and then kept me on hold for over XXXX minutes without a supervisor coming on line.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On XX/XX/XXXX, I filed a complaint with the CFPB case # XXXX concerning fraudulent charges to my XXXX XXXX XXXX card When I pulled a copy of my XXXX and XXXX  Credit reports on XX/XX/XXXX, My best buy balance reported as {$1900.00}, with DATE REPORTED : XX/XX/XXXX But then incredibly and in response to my XX/XX/XXXX complaint of fraudulent charges, XXXX deliberately updated my balance MID-CYCLE to {$6800.00} on XX/XX/XXXX to reflect all the disputed fraud charges. There are only two ways to interpret this. Either XXXX recklessly posted the balance in error or XXXX retaliated to harm me and my family by deliberately posting inaccurate information. My credit score dropped another 16 pts as a result of XXXX actions, my closing for the {$600000.00} mortgage had to be cancelled. With a deadline of XX/XX/XXXX to close or lose my deposit, unless XXXX, XXXX and Equifax update this account to reflect the correct balance of {$1900.00}. I will be suffering more financial harm. 

Facts to support my claim : In a letter dated XX/XX/XXXX, XXXX admits they have not completed their investigation. Proving XXXX deliberately furnished inaccurate information in violation on every dispute regulated policy of the FCRA and State of Michigan laws. ( see attached letter dated XX/XX/XXXX ) this letter is also included in XXXX response to my CFPB case # XXXX ***I am requesting XXXX, Equifax and XXXX  to trigger the EXPEDITED DISPUTE RESOLUTION PROCESS and immediately update the balance of this account back to {$1900.00}. 
With the letter from XXXX admitting the current balance attached and also posted with the CFPB case # XXXX. If this doesnt qualify for an EXPEDITED DISPUTE RESOLUTION, what does? 

Attached : -Unredacted letter from XXXX dated XX/XX/XXXX -Copy of letter from XXXX dated XX/XX/XXXX w/highlights - XX/XX/XXXX Copy of XXXX  report for XXXX account # XXXX xxxxxxxxx XXXX XXXX  XXXX account referenced in letter - XX/XX/XXXX Copy of XXXX report for XXXX account # XXXX xxxxxxxxx XXXX XXXX  XXXX account referenced in letter Balance reported {$1700.00} - XX/XX/XXXX Copy of XXXX report for XXXX account # XXXX xxxxxxxxx XXXX XXXX XXXX account referenced in letter ; balance reported {$1900.00} - XX/XX/XXXX Copy of XXXX   report for XXXX account # XXXX xxxxxxxxx XXXX XXXX XXXX account referenced in letter ; Balance reported {$6800.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/20/2017 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: My credit reports shows I owe a debt of {$2000.00} ( Account Number # XXXX ) I repeatedly disputed this claim with CAPITAL ONE BANK several times via mail over the past 2 years, this is not my debt and someone opened a fraud account in my name. I have never signed a contract. Never received any paperwork from CAPITAL ONE BANK debt is belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2016 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (MD).
Issue: Application, originator, mortgage broker

Complaint: Hello, We are working on the short sale of my property. We received an approval letter on XXXX/XXXX/2016 from Wells Fargo but that buyer we had walked. We have another solid buyer with the same exact terms as our previous buyer. The only thing that is changing is the buyer 's name. This new buyer is ready to close but we need another approval issued again from Wells Fargo. This short sale lender has told us we have to go through the process again but my property is now in foreclosure with a sale date of XXXX/XXXX/2016.

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 05/22/2015 about Debt collection (Medical) with ALCHRO INC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I became a victim of ID theft in XXXX and in XXXX I was informed by the IRS that someone had filed my income tax return using my personal details and when i had my XXXX report pulled because i am trying to purchase my first home. I was subsequently informed that I had a large amount of debts in collection. I requested my free reports and found that I have ( XXXX ) medical entries that do not belong to me. i contacted the ( XXXX ) bureaus and informed them that i wanted to file a dispute ; immediately I contacted the debt holders and informed them that i was a victim of ID theft and I needed them to send me written validation of the account and information detail where and how the account was opened. All that has transpired since my initial contact since XXXX from my efforts was a security alert being placed on my file.

Company response to consumer: Untimely response
Consumer complaint received 04/30/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: XX/XX/XXXX, we submitted proof of insurance on a property on which Nationstar Mortgage holds a mortgage ; the policy covered from XX/XX/XXXX to XX/XX/XXXX. Despite this, the insurance department of Nationstar then purchased a policy on this property and billed us for the cost. When I received a call informing me that our account was in arrears, I then faxed another copy of the proof of insurance in XXXX XXXX. They sent me a letter claiming that the policy only covered until XX/XX/XXXX. I called and spoke to a customer service representative in the insurance department. I had the XXXX pull up the proof of insurance and read me the dates of coverage. This individual read that the dates of coverage were from XX/XX/XXXX to XX/XX/XXXX. He then assured me that he would correct their error and make certain that the account would show that we were not in arrears. This was not done. The next letter I received informed me that the proof of insurance I had provided was unsatisfactory because it stated that the policy covered XXXX structures. I called and spoke to a supervisor in the insurance department and explained that the policy covered XXXX structures because there were XXXX structures on the five-acre property, a fact which they could easily verify if the merely consulted the legal description of the property. The supervisor then told me that he would " research '' the issue and call me back. He never did so. I have received daily phone calls since that date, which was some two weeks ago. Each time I answer, the caller informs me that we are behind in our mortgage payments because we have n't paid for the insurance policy Nationstar purchased for us. I then tell ask to be connected to the insurance department. When I speak to the person in the insurance department, they tell me that they are still " researching '' our insurance policy and promise to call me back when they have resolved the issue. They never do. 
The kicker is that Nationstar did this same thing to us last year. They, of course, are reporting us to the credit reporting agencies, and our credit rating has been destroyed. I had to put in a great deal of effort last year to try to repair our credit rating. Now, I 'm going through the same experience again. 
I am at my wit 's end. We own XXXX real properties and have always paid all of our mortgages on time, and we have always submitted proof of insurance. No other mortgage holder has ever done anything like this. This company has made it nearly impossible for us to obtain credit now, and we have never done anything wrong. What recourse do I have?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/22/2016 about Mortgage (Conventional fixed mortgage) with PHH Mortgage Services Corporation (OH).
Issue: Application, originator, mortgage broker

Complaint: Lender sent personal tax info including SSN, signatures, and full contact information to me via unsecured email

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (MA).
Issue: Trouble during payment process

Complaint: Ditech is saying that we owe them {$27000.00}. They had sent us a letter stating that they will start the foreclosure process. They sent back my last months payment check. I went to my lawyer that is helping us. She can not figure out where this money that we owe is coming from. She has tried to contact the company and had not received a reply from them. I sent for a payment history and when we received it. It read that we were up to date of all payments and that we did not owe anything. The funny thing about it. It took them over a month to mail it to us. Our mortgage was changed to Ditech from XXXX. 

Thank You

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2018 about Debt collection (Medical debt) with Retrieval-Masters Creditors Bureau, Inc. (VA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Original doctors office has no record of me being in the office ever. Office can not provide proof that I was there. They have another woman with the same birthday, that received the same treatments they say that I received. We believe that there was a mixup somehow.

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (FL).
Issue: Account opening, closing, or management

Complaint: Citi bank had a promotion for City Gold Checking where they would reward you with XXXX airline miles if you completed all the requirements. I opened the account in XX/XX/XXXX but they made a mistake and opened a basic checking and when I inquired they stated they had system issues but they did find my application in the gold department finally. I had made out XXXX applications for the gold as their system was down and they instructed me to fill out another application. I finally got the account set up for the gold and the funded the account. I inquired with a rep named XXXX to see that I was set up for the correct promotions of XXXX American Airline miles and she assured me that I was and stated they were going to waive the monthly fees because of the issues. After a couple of weeks I contacted Citi Gold again and talked with XXXX and reviewed with her all the requirements that I needed to meet by the XXXX XXXX, 2016 deadline. I meet all the requirements within the time frame and contacted Citi by message to verify that I had met them and received the attached response that I would be awarded the miles in my American account by XXXX/XXXX/2016 and I checked and they were not there by XX/XX/XXXX. I contacted Citi and the rep stated that XX/XX/XXXX was not a business day and to wait and they would be in the account. I then waited two days and then contacted Citi again and they put in a claim which came back and stated there was no promotion offered in conjunction with the opening of my account but every rep I contacted before stated the opposite. You had to enter in your offer number in order to even get to the application page in order to apply for the account. I since have contacted Citi twice and again each findings state the same thing and I now know that as of XXXX/XXXX/2016 Citi was not issuing any miles to anyone so I have no idea how many people have been denied the miles they were entitled to.

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 12-10-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with TRANSWORLD SYSTEMS INC (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I used to live with my sister in XXXX, and we agreed to have the cable company under my name which is call XXXX, but apparently she stoled my information to put the light under my name too and i wasnt aware of it. I just lived in XXXX with her for a year. I notice that i had this dept from XXXX XXXX after it was already in collection because i wasnt aware of this. She never told me anything.

Company response to consumer: Closed with explanation