milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/19/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX/XXXX/16 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Account Number Num : Balance {$1400.00} Sir or Madam, I am writing in regards account XXXX XXXX XXXX on my credit report. I have filed a complain to the CFPB, that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I must remind you that in my previous letter I requested the following information : ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) ( 5 ) Provide the actual Bills Statements ( 6 ) Payment Receive I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the national 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 non-monetary relief
Consumer complaint received 12/19/2017 about Credit card or prepaid card (Store credit card) with CAPITAL ONE FINANCIAL CORPORATION (IN).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: On XXXX XXXX, 2017 I placed an online order with XXXX XXXX. I had the order shipped to my home address. The package never arrived after I received notification. The package was erroneously shipped to my previous address where I have not lived in 3 years. Prior to this order XXXX XXXX has delivered orders and mail to my current address. I contacted XXXX, the post office and lastly XXXX XXXX. They insisted that the error was not theirs and I should go and retrieve my packages. I asked 3 times to speak with a supervisor and they denied that request. I just wanted them to re-send the merchandise. I called back and asked that they credit my account the {$110.00} XXXX that I already paid ) and they refused,

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2017 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (NC).
Issue: Problems caused by my funds being low

Complaint: The issue is that the my account online did not show/reflect one of the bill payments and so I thought I still had time to deposit money into the account via atm. ATM deposits are instant so I presumed that if I deposited before the charge hit, I would not be charged an overdraft fee. I presumed wrong. The bank conveniently later in the late night/morning made it so that the bill payment would show up before the ATM deposit so they could charge me a {$34.00} overdraft fee.

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 03/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Received an alert from credit monitoring service that inquire from Bank of America posted on my account XX/XX/2018. Contacted XXXX XXXX to notify that I did not apply for credit and inquiry is unauthorized. XXXX advised that I contact BOA to have inquiry deleted. Contacted BOA and was advised to contact XXXX to have deleted because they have not record of application on file. Contacted XXXX  to have inquiry deleted after explaining what was advised by BOA. XXXX indicated that they could not delete and I would have to contact BOA.

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 02-02-2016 about Debt collection (I do not know) with Vengroff Williams, Inc (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: My daughter sold a car that was titled in my husbands name. The person who bought the car purchased insurance the day he bought it. The day after the purchase the title would be transferred to the new owner unfortunately the car was involved in an accident and the car was a total loss. I spoke with the insurance company and provided a bill of sale and that was the last i heard anything regarding this accident. It has been over 2 years since this incident. on XXXX/XXXX/16 I received a letter from a Vengroff Williams , INC stating that my husband owed a claim of {$2200.00}. I called the company and spoke with XXXX XXXX. I explained the situation regarding the sale of the car. She provided me the name of the person who bought the car. I looked up this company by their phone number and was amazed at the negative comments that were posted about this company. I called the company again this morning and asked if they could send me any and all documentation regarding this claim so that I might want to have a lawyer look it and the lady i spoke with became very rude and told me that she was not sending me anything. I believe this is scam. I am not understanding why after 2 years this has become an issue and this company is wanting us to pay claim that we knew nothing about.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2016 about Debt collection (Medical) with Ridge & Valley Realty, Inc. (CO).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: charging interest not charged on disputed medical bill turned over to them .Placed on credit report without stating disputed Debt. Placed on spouses credit report when he did not sign for debt and again did not state disputed debt. Notified neither party was going to place on credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2015 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have several accounts on my credit file that are not mine and are a result of identity theft these accounts are ... XXXX bank XXXX and other accts when reviewing my fileXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and addresses that I have been used fraudulently that need to be removed here are the addresses XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX / XXXX XXXX XXXX, XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX and name aliases that need to be removed here are the aliases XXXX XXXX XXXX, And XXXX XXXX XXXX these accounts addresses and names need to be permanently removed I have sent in copies of a police report # XXXX XXXX XXXX XXXX badge number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2017 about Debt collection (Auto debt) with Servatus Corporation (AL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: I have attempted multiple times over the last several years to contact this creditor to settle debt and remove from my credit profile but i have been unable to receive any responses from mail email or any other source of communication medium. 

prior to their communication going dead i received multiple threatening calls to have me arrested and put in jail and after i was attempting to develop a re-payment strategy this company become difficult and impossible to contact.

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (DE).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I filed Bankruptcy ( Chapter XXXX in early XX/XX/XXXX ). It was reported to my credit report on XX/XX/XXXX and listed as fully discharged on XXXX XX/XX/XXXX and XXXX XX/XX/XXXX. I know the rules of FCRA state that all negative information must be removed within 7 years, which I am at that expiration date. However on XXXX, it is four months past the 7 year period and the public record is still appearing. I have filed a dispute with no resolution. XXXX is also still showing and this is also past the 7 year mark. <P/>I want the information removed because it is a violation of FCRA. I know that most bureaus now install logic of 6 years 10 months to ensure that there is no violation of reporting negative information or public records past the required timing per FCRA. I am requesting your assistance to ensure my credit report and history is accurate and fair per my rights under the Fair Credit Reporting Act.

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 10/27/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Coast to Coast Financial Solutions, Inc. (MN).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have sent 2 letters in the past 60 days asking for validation, that is competent evidence bearing my signature, showing that I have a contractual obligation with Coast to Coast Financial. This is violation of the FDCPA 807 [ 15 USC 1962e ], I did not receive proper validation within thirty days of my first letter which was received by Coast To Coast Financial on XXXX/XXXX/2016. I am requesting they remove my item from my credit report immediately.

Company response to consumer: Closed
Consumer complaint received 11-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am writing in reference to a previous case I opened at the XXXX that is now closed reference number is XXXX in this you can confirm and verify the creditor has stated they will remove the account from all national credit reporting agencies. This has not taken place on my Equifax credit report. I demand this be corrected as this account does not belong on my credit report as it was fraud and has been promised to be removed by the original creditor who is XXXX XXXX and is reporting incorrectly negative on my equifax credit report as it should not show at all because i was told it will be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: I was paid for musical instrument goods I was selling to someone. They sent the money ( {$2500.00} ) via XXXX app via Bank of America to Bank of America account. I received confirmation from the buyer the funds were in my account. I went to BOA and asked if I would be able to withdraw the funds and explained the nature of the transaction. I was allowed to withdraw the funds as the money was available in my account. This morning there is a hold on my account for {$880000.00} and the buyer reported fraud. My account is now placed on hold and I can not access it. Bank of America allowed me to withdraw the money and said the funds were in my account. Now my account is on hold and my pending payments may be declined. Bank of America should be responsible since they allowed me to withdraw the funds. I would simply like my account restored and my name cleared of any wrong doing. Attached is confirmation I had gotten from the buyer the transaction was successful.

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 06/20/2017 about Vehicle loan or lease (Lease) with NISSAN MOTOR ACCEPTANCE CORPORATION (CA).
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint: XXXX XXXX a XXXX year old man thought that he was purchasing a Brand New XXXX in XXXX 2014, he agreed to pay approximately {$30000.00} for the car. XXXX XXXX did not realize this was a lease and grossly over-paid. Once the papers were read we explained to him that it was a lease not a sale and the price of the car was {$22000.00} and not XXXX he paid. XXXX XXXX requested the Lease Agreement for the car and was sent a illegible agreement which was not included in his original paperwork. It appears that the Dealership changed hands and now is controlled by someone new, furthermore, XXXX XXXX was sent to a collection Agency which has demanded an additional XXXX on a car not worth more than XXXX and XXXX received nearly 40K. The Dealer contacted the customer and said we can sell it for more than you can, which did not happen. After reading the contract with a magnifying glass it is in contradiction with the demand for the additional XXXX the contract says that the amount collected after the completion of the lease is no more than XXXX. This is Elder Abuse in the worse way and XXXX should be held to a higher standard beginning with including the contract up front and a clear explanation of the lease. The dealer also included a Contract Cancellation Option Agreement which clearly says for " Used Motor Vehicle Purchases Only '' XXXX XXXX car was supposedly " Brand New '' So it is unclear why this document was included.

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2017 about Mortgage (Conventional home mortgage) with Seterus, Inc. (NY).
Issue: Struggling to pay mortgage

Complaint: We purchased our home in XX/XX/XXXX for XXXX. We received a conventional mortgage with XXXX for XXXX. In XX/XX/XXXX we were approved for a HELOC with XXXX for approximately XXXX. In XX/XX/XXXX i became unemployed. I was out of work for 3 years. We reached out to XXXX many times to apply for assistance. With both loans we were unable to make the payments on our home. I remained unemployment for 3 years and our home went into foreclosures procedures. we did reach out to XXXX many times for help they were unable to assist us. XXXX sold our mortgage to Seterus inc in XX/XX/XXXX. we were taken to court and foreclosure procedures continued. In XX/XX/XXXX we filed for chapter XXXX bankruptcy. Our homes current value is XXXX and we currently owe XXXX for 45 years. We need extensive repairs as well to help increase the value of the home. When we purchased the home in XX/XX/XXXX for XXXX this price was way above the value of the home. It was at the height of the housing bubble. We also should not have been given a HELOC. It over extended our income to over 45 % yet we were approved based on the false value of the home. Seterus lost paperwork when we first attempted to modify Our mortgage during my unemployment status. After 8 months of waiting and call Seterus we had to start the process over. This was in XX/XX/XXXX Now we have been offered a modification for the current balance of XXXX for 45 years We will never be able to pay this off and at this time we need extensive renovations can not get a loan to make the repairs and upgrades because we are under water. The current value of the home is XXXX and our mortgage balance is 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 05/13/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file to verify the accounts I disputed. Being that they are past the 30 day mark and can not " verify '' these accounts, under Section 611 ( 5 ) ( A ) of the FCRA ... they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2016 about Consumer Loan (Vehicle loan) with Bridgecrest Acceptance Corporation (NJ).
Issue: Problems when you are unable to pay

Complaint: I need help getting help with my account I 'm on XXXX and I inquired to the company several times through customer service but I cant get to speak to someone higher up. My daughter and I who is the cosigner are both out of work on XXXX. My daughter had XXXX and I have XXXX and XXXX issues. The company did give me a XXXX payment extension which had my next payment due the same week I signed off on my paperwork and I tried begging them to give me atleast 30 days because I had n't started receiving my XXXX checks yet but was denied, I was told they cant give an extension on a payment that is due yet but I have a payment schedule and I have financed several cars and have never heard that before. I was told that I 'm paying interest payment for the first 2 years anyway so I do n't understand why they cant just help me out. My interest rate is 24.937 % which I have bad credit so I was desperate and had to get a vehicle from them not realizing that the rate was so high of course until afterwards. I need help I can t afford to loose my car I need transportation with everything that I have going on I 'm stressed enough and your agency was my last resort to try to get them to work something out with me

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 01/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: I requested a free annual credit report, XXXX XXXX XXXX, after filling out all information XXXX and equifax indicated it was unable to provide. I must send additional information via the mail and wait 15 days for proessing and further days to mail and recieve. Only XXXX was available online. I believe service by the other 2 reporting agencies is a delay tactic and they no longer provide your credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: this is agains t CitiMortgage. this is  from a year ago when they reported us late on mortgage. I did tell them that tenant defaulted in  XXXX   2016.  they know its a rental home. regardless they reported me late for months and even did an inspection when I told them what I did. and there was no reason to do an inspection other than try to charge a fee. I feel strongly they can correct the info given the circumstances or put something in there so it does not damage my credit. I currently have a lawsuit against the tenant for damages. please note I know they will sa y Fair credit reporting gives them this avenue. I would like it amended.i am a long te rm customer. please consider. I warned you before hand. please. no scripts. just help in some way. PLEASE no red tape

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 05-12-2016 about Credit reporting () with Experian Information Solutions Inc. (OK).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Experian reinserted a collection that was deleted due to inability to verify/validate the debt. I recently received notification via a credit monitoring alert that a new collection had been added to my account for a XXXX debt that, prior to this action, at remained unable to be verified/validated. To date, I have received no correspondence/information from Experian in regards to the previously unverified, dormant, and deleted information regarding a XXXX debt that I am not liable for being reinserted into my credit file thus causing a significant drop in my credit score. Per FCRA sec 623 I am requesting disclosure of any and all documentation that was used to validate the data and/or justified re-adding it to my credit profile. If the requested information can not be provided then I request the derogatory information be removed from my credit profile.

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