milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/17/2015 about Debt collection (Mortgage) with Real Time Resolutions, Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: XXXX XXXX XXXX approved a short sale on our home in XXXX of 2011. XXXX of the conditions of the approval was that we sign a promissory note for {$5000.00} to be paid in installments of {$83.00} per month. XXXX was to send a coupon book to make such payments and never did so. I inquired by phone several times and XXXX could find no record of this transaction or the note. The next year after no reminder, bill from them, or anything, they reported as written off as bad dept on our credit report. We served our time with bad credit for that, as well as the shortsale itself. Now 5 years later, we are divorced, credit has improved greatly, they turn over to real time solutions for collection. They contact ONLY my ex husband, not me, and hit my credit for 90 days past due. There were forwarding addresses for both us registered with the post office. My ex husband has negotiated with real time to reduce this amount to {$1500.00}. He wants me to pay half to him. I feel XXXX XXXX XXXX is at fault here as they never sent the method of payment that they promised. Never a reminder or bill, as if it did n't exist. No record of it when I called to inquire. How do I know if this real time is a bogus outfit or not. It has been a long time ago. Is there no statute of limitations? I am attaching the documents provided to me from my now, ex husband. Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Debt collection (Other debt) with PORTFOLIO RECOVERY ASSOCIATES INC (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Portfolio Recovery contacted me about a two debt they purchased from XXXX XXXX. I disputed the debt and was instructed by Portfolio Recovery to provide documentation to them proving why I wasnt responsible for the debts. In XXXX, I faxed over several documents to them to solidfy my stance. After submitting all those documents, they still insisted I had to pay, and started harrassing and threatening me about wage garnishments. 

Just to get them out of my hair, I made periodic payments, however, I constantly disputed it. A couple weeks ago, I talked to the dispute department again, and they looked over the info I provided in XXXX, and purged my account, and released me from those debts. This should have been done in XXXX when I submitted it the first time. 

Due to their " error '' and collecting money from me on accounts that were not validated, they claim they have issued me a refund for both accounts. However, I believe they are giving me the run around once again. When I called to inquire on the status on the refunds, they keep changing the time I should expect it. One rep said 30 days to receive my money back, another said 7-10 days, and today, another person said 10-15 days! Why should I wait for my money when they collected it improperly to begin with? These account should have NEVER been paid on, but they continued to harrass me even though the debt was not substantiated. This would have been taking care of if they would have processed my documentation properly instead of dismissing it to scare me into paying them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04-04-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Late fee

Complaint: FIA card service charges retroactive interest. For example, if I spend {$100.00} in XX/XX/XXXX, and payment for that is due on XXXX XXXX. If I pay on XXXX XXXX, I 'm charged for 13 days of interest, rather than one day of interest. Paying three days late therefore comes to an annualized rate of ~140 %. It 's disgustingly predatory.

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 03-12-2018 about Debt collection (Other debt) with Penn Credit Corporation (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Hello, I was contacted by a debt collector for XXXX XXXX XXXX saying I owed {$2000.00} from XX/XX/XXXX in a property I didnt even live in!. The address in Question is XXXX XXXX XXXX XXXX MD. I Stayed at this property for 3 months while my house was being built in XX/XX/XXXX. 4 years after the fact. In addition utilities were included so I have no clue what they could be thinking. If this hits my credit report I would like to file legal action. Thank you for your help. XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2015 about Credit card () with Nelson Cruz & Associates LLC (TX).
Issue: Identity theft / Fraud / Embezzlement

Complaint: On or around XXXX XXXX, XXXX, I was contacted by Nelson Cruz and Associates regarding an outstanding debt that they said I owed from XXXX XXXX of XXXX. They wanted to settle the original debt of {$570.00} debt with a {$300.00} payment. The information they gave to support this loan was correct, but not the information I would have used. References were all family members including my minor children, which I would never have used as a reference. This loan was applied for under my nickname and not my legal name. Which makes it very suspect. Also the documentation had my nickname, working for my legal name. This was all read to me over the phone and I have never received any formal documentation or proof of legitimacy of this loan in the mail. No documents with my legal signature have been provided to me. 
In my research, they gave me an account number they said was from XXXX, who was supposed to have issued the credit card. When I contacted XXXX, they could not find any record that I had a credit card or a loan with them. XXXX said the XXXX number had never been used by them. Talking with the security department XXXX XXXX, they said this sounded like a Scam and not to pay them. I also contacted XXXX XXXX who purchased some of XXXX debt, and they had no record of an outstanding balance or anything that had been charged off on me. I also tried to look up the XXXX number on this account and it shows that it has never been issued. XXXX said they had never used this XXXX number either. 
In seven years this has never showed up on any of my credit reports. I have never received a statement, never got a demand letter. In talking with XXXX security and collection department, their policy is ; 90 days they send out a demand letter and in 120 days a demand letter with a request with a return receipt. I have not received any of this. These people have not sent us any proof or documentation that I applied for this credit card or proof of any demand letters being sent to me. And there has n't been any attempt to collect this over the past eight years until now. It all does not make sense to me. XXXX XXXX XXXX had recommended I not pay them anything and to block their phone numbers. The FBI agreed and for me to get in touch with you along with the postal inspector and the FTC. The new name they called me under today XXXX XXXX was with ; XXXX XXXX and Attorney XXXX XXXX.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 02-10-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX, XXXX are the same account and they are reflecting XXXX separate accounts which are driving my credit score down.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2015 about Bank account or service (Checking account) with U.S. BANCORP (IL).
Issue: Deposits and withdrawals

Complaint: This bank took {$180.00} from my account for fees that I should have not been penalized for when the original account was supposed to be closed due to fraud. I agreed that I would pay the penalty of {$67.00}, but the bank only offered to give me {$92.00}. I think that this is unfair because they did not call or even send an email about the money was being removed from my account. Since the bank has done unfair practices to me I would like everything back except {$31.00} for a charge that came through after I was told the account was being closed. 
I would like the remainder of my money back which is {$65.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 07-07-2015 about Debt collection (Medical) with Debt Recovery Solutions, LLC (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have contacted this agency more than once and unfortunately they are very rude and have even hung up on me as I tried to communicate that this debt is not mine. They DID admit that my EX-spouse listed me as a " responsible party ''. She has, nor had No Right or Permission to contract any debt on my behalf. This collection, I recently learned about was part of the reason I can not purchase a home for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax refuses to investigate credit inquires

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: To Whom It May Concern : I am a victim of identity theft and filed a police report with the XXXX XXXX Police Department. The police report case number that is on file is : XXXX. The following account is fraudulent and unauthorized : XXXX XXXX XXXX/XXXX XXXX,XX/XX/XXXX. The following hard inquiries are all fraudulent and unauthorized : XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TOWER LOAN OF MISSISSIPPI, INC. (LA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have several inquiries on my credit report that were not authorized by me. I have no accounts with the creditors that performed the hard pull. I did no authorize anyone to run my credit with any of these companies. Listed below are the companies, along with dates the inquiries were ran. The companies have all been contacted and stated that they have no record of the inquiry because they do not keep files if I have no account. I have contacted   XXXX   XXXX   XXXX   XXXX  . Nobody could help me remove these inquiries that are not mine.      XXXX   XXXX   XXXX   XXXX  Bank  XXXX / XXXX / XXXX   XXXX    XXXX    XXXX / XXXX / XXXX    XXXX   XXXX    XXXX / XXXX / XXXX    XXXX   XXXX     XXXX / XXXX / XXXX    XXXX    XXXX / XXXX / XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EXETER FINANCE CORP. (IL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I last made a complaint in reference to consumer finance in  XXXX     2017  for complaint #  XXXX  which exeter finance said they would buy back the loan and report the loan paid and settled sine they never properly notified me of the sale of the vehicle and it is still reporting incorrectly as if i owe the full balance it has been well ov er 45days therefo re it sho I ld be removed for being incompliant and not reporting correctly. I have called them several times about this situation to resolve and they still have not reported correctly. In there last response to cfpb they stated it would be bought back reported correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Credit card or prepaid card (Store credit card) with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: I received a letter dated   XXXX   XXXX  , from Kohl 's denying my request for a credit line increase on an account that I had not used in at least three years.When contacted, Kohl 's checked the data and clarified that the credit was sought by someone other than me who was using my social security number, address, and Kohl 's account number, to apply for additional credit. After contacting Kohl 's on receipt of the letter on   XXXX   XXXX  , I called  XXXX  to effect a credit freeze. I then got another letter from Kohl 's on   XXXX   XXXX   also stating my request for more credit was denied - again. I contacted them and a service representative and I discussed the matter at length ; the pertinent information matched except for our email addresses. I was told the individual was apprehended when trying to use the card at a store. I also just received a newly issued card, with the same account number, and when prompted by Kohl 's automatic billing system to provide my SS number, a balance of {$800.00} plus was reported with over {$500.00} overdrawn on the account. Again, an extensive phone conversation revealed that an individual had opened the account in PA, where I do not frequent, had ordered merchandise online, which was picked up at a store in  XXXX , CA, on   XXXX   XXXX  . An associate became suspicious and notified authorities at this point. Kohl 's videotapes all transactions so this is also key evidence. A fraud case was opened with Kohl 's, too : #  XXXX .

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

Complaint: On XXXX XXXX, 2017 Equifax exposed my sensitive financial information via a data breach on their servers. Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers, Equifax said. Upon learning of the breach i used Equifax 's own website www.equifaxsecurity2017.com to verify I was a victim.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2016 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Experian credit bureau is reporting my XXXX XXXX account in a derogatory status. This account is paid as agreed and never late.

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 02/26/2018 about Payday loan, title loan, or personal loan (Payday loan) with OLIPHANT FINANCIAL, LLC (NJ).
Issue: Struggling to pay your loan

Complaint: In XX/XX/XXXX I took a loan out for approximately {$800.00}. To repay the loan I arranged to have payments of {$100.00} a month automatically deducted from my checking account. After some months had passed two payments did not clear. I then began being charged {$240.00} a month. The last payment taken out was in XX/XX/XXXX My checking account was then closed. On XX/XX/XXXX I received a notice from Oliphant Financial , LLC that the current balance due was {$3600.00}. I called the collection agent and told them that I have unemployed and living on minimal medical/general assistance since XXXX of XXXX. They offered my a payment arrangement of {$25.00} a month which would amount to one quarter of my entire monthly income. I replied that I would unable to pay that amount and would be seeking help moving forward with a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2017 about Debt collection (I do not know) with United Consumers Inc (CA).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: These scammers have been calling me for about a month leaving the same voicemail saying " this is a call from united consumers calling about a debt collector, please call us at XXXX. '' The number says it 's from XXXX, VA. These people keep calling me constantly leaving the same voicemail. they use diffrent numbers each time. I have never once answered the phone. I want this to stop immediately! This is a huge obvious scam! 
These are the numbers they use : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: After receiving a copy of my Transunion credit report, I noticed a few unauthorized credit inquiries that are reporting on my credit report. After many attempts of removing these unverifiable inquiries, they remain on my credit report. 

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

I demand to see Verifiable Proof ( an original Consumer Contract accompanied with my signature ) that Transunion has on file for the accounts listed below. Failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified inquiries must be removed and if you are unable to provide me a copy of verifiable proof, the account list below must be removed. 

I demand the following accounts be verified or removed immediately. 

XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX, XXXX XXXX, MN XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX, VA XXXX XXXX/XXXX Inquiry Date : XX/XX/XXXX XXXX/XXXX  XXXX XXXX, FL XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX, FL XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have XXXX inquiries dated XXXX XXXX, 2017 from XXXX XXXX XXXX. I did not authorize this or sign anything to have my credit pulled.

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 08-12-2015 about Debt collection (I do not know) with Convergent Resources, Inc. (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Frequent and excessive calls to my place of employment without identification of whom they are and to what the issue of business this is specifically pertaining to. Research on google has identified this as Convergent Outsourcing Inc, debt collection agency that uses fraud and/or illegal tactics to collect personal information for an alleged " debt '' owed.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2016 about Debt collection (Medical) with Collection Consultants of California (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Recently while conducting a monitor of my credit report I discovered that COLLECTION CONSULTANTS # XXXX, # XXXX, # XXXX has furnished some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware that there is a debt from COLLECTION CONSULTANTS but I am unaware of the amount due and your bill does not include a breakdown of any fees. 
Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX to release my medical information to a third party. My request is two fold and as follows, Validation of Debt, and HIPAA authorization. 
1.Please provide breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you. 
3.Cease any credit bureau reporting until debt has been validated by me. 
4.Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA. 
Please note that falsification of the information you received from any medical provider can be percieved as a HIPAA compliance violation as well as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt. 
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency.

Company response to consumer: Closed with explanation