milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/18/2015 about Debt collection (Medical) with Dynamic Recovery Solutions, LLC (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Debt was paid by Veteran Affairs. Since that payment made this debt has been turned over to XXXX different Collection Companies, XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX. It was turned over to XXXX XXXX XXXX. It took XXXX letters informing them that the bill had been paid by the VA had paid the bill. With both letter I enclosed the letter the VA had send to me, stating that the bill had been paid in accordance with Fee regulations, that the amount was payment in full, and that they could not seek additional payment from me. The last letter was sent to XXXX in XXXX 2014. When I got my credit report in XXXX 2014 I noticed that in XXXX XXXX had reported a delinquent account to the Credit Bureaus. So I sent a letter to them along with a copy of the VA letter. Now I have got a notice from Dynamic Recovery Solutions. They state that there client XXXX XXXX XXXX, XXXX is now trying to collect on this debt. I have sent a letter to Dynamic Recovery Solutions and a letter to XXXX XXXX XXXX, XXXX. again informing that this debt was paid by the VA. I have also enclosed a copy of the VA letter. What can be done to stop this harassment, each time this is turned over to a new collection company they report to the credit bureaus a delinquent account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-10-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Every time I try to submit an online dispute, the Experian system says " our system is down ''. My credit score dropped XXXX points over night from XXXX XXXX, 2016 to XXXX XXXX, 2016, and I 'm trying to find out why. Every person at Experian says they 're unable to tell me why my credit score decreased by XXXX points. Per my record, my overall credit utilization has decreased. Per my record, I have paid all my bills timely for a consistent period of time, Per my record, my outstanding balances on credit cards and installment payments have continued to decrease. Help me better understand why my credit score dropped over XXXX points and what justified that significant of a decrease. Because of what I believe to be an invalid entry of information, this is going to result in potentially lethal consequences for me, as I can not buy my XXXX medications. This issue must be resolved within 24 hours in order to avoid potentially adverse and potentially harmful impact human life since this adversely impacts my ability to obtain medication and other things for living.

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 08/22/2017 about Debt collection (Credit card debt) with Resurgent Capital Services L.P. (NY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Upon investigation, XXXX contacted me with information stating that the debt was sold to a financial firm, Sherman Financial ( XXXX ), and that the balanced in 2010 was {$2000.00}. They also stated that there was never a judgement placed against me for the debt and to contact the firm. When I called SF,  they proceeded to tell me that though the bought the debt, it was being handled by XXXX XXXX and Associates ( XXXX ). When I told them that I was never served and the amount expected was way beyond what was due, they stated that I probably was n't served and should contact the law firm. When I spoke to an associate for the firm, he stated that I should refer my call elsewhere or see them in court despite knowing that they never served me in order to have this judgement placed against me.The only one who has given me an accurate account of the alleged debt figures was XXXX and I 'm under the impression that I have been a victim of fraud by these firms in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2015 about Debt collection (Medical) with ProCollect, Inc (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid a debt from a debt collection company, that sent me a letter stating that I pay a certain amount to be taken off my credit report. The letter stated I pay 50 % of the bill, that will bring the account to a XXXX balance and it will be deleted off my credit report. I 've called several times after I made the payment because they subtracted the money I paid which made it balance that I would owed. I 've disputed with the credit bureau and submitted documentation to prove my case, but yet, still see this account on my credit report. However, they did bring the balance to a XXXX balance but have not removed it off my credit report. I 've called them since then about this situation and all they have done was give me the run-arounds - but the second time I called, I finally got someone by the name of, XXXX XXXX. She was the one that I told I made the payment but the account was not at a zero balance. She claimed I did n't make the payment on time - so I had to go to my bank statement and tell her what day I paid it on, which was before the date that was stated on the letter. I am filing a complaint today because this company is not a worthy company. They show poorly representation and false advertisement, per documents! I was to pay {$190.00} which include {$7.00} for a collection fee but ended up paying that collection fee twice. Just to clarify!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Earlier this year ( 2017 ) my identity was stolen and the cause was unknown. In light of the recent news with Equifax and the breach of over 143 million SSN 's, according to the Equifax verification website, my SSN and my wife 's is impacted by the breach. 

I have had several un-authorized accounts opened in my name and have spent countless hours correcting these un-authorized activities. Presently, I am disputing an account with a collections agency that is currently pending. My credit has been frozen with Equifax and XXXX XXXX, but I have been unable to successfully freeze my credit with XXXX at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2016 about Mortgage (Reverse mortgage) with WELLS FARGO & COMPANY (MA).
Issue: Application, originator, mortgage broker

Complaint: I would clarification the XXXX Residential Loan Application for Reverse Mortgages. As per the XXXX it is stated that the Mortgage applied for was FHA Traditional HECM. The FHA Case No. XXXX XXXX and states the loan payment plan is a line of credit. The monthly statments clearly state the loan is a LUMP SUM. The Lender Cas No. : XXXX states that the purpose of the the loan was for ADDITIONAL INCOME. XXXX questions-when did I receive additonal income? I brought additonal income for this Reverse Mortgage. Now I will skip over to the Final Loan Terms Document lists the initial interest rate at 4.990-Annual MIP Rate $ XXXX-Expected Rate/Fully Indexed rate-4.990-Maximum lending limit $ XXXX-Initial Principle Limit- $ XXXX-Other Closing Costs $ XXXX-Mortgage Lien Payoff $ XXXX-Repair Set Aside- {$1300.00} Initial Funded Balance XXXX Another Closing Document numbered XXXX Applicable Law states All interest, Fees, and other amounts charged or accruing with regard to this loan, and all related documents, which are considered " interest '' under Section 85 of the National Bank Act ( 12 U.S.C. 85 ) as implemented by 12 C.F.R. 7.4001 ( a ), as amended from time to time, shall be governed by and interpreted under the usury and other applicable laws of XXXX. In all other respects, the loan and related documents, as well as the rights, remedies, and duties of the lender and the borrower ( s ), shall be governed and interpreted by federal law relating and applicable to national banks and their operating subsidiaries and, to the extent not preempted by federal law, by applicable state and local laws of the state where the real estate securing the loan is located. 

The Applicable Law Act was enacted to protect the consumer. 
Could you explain the legality of the Applicable Law Document since the property is located in XXXX? 

I expect to have my investigation done by XX/XX/2016 since I have many other concerns with the documents enclosed in the closing documents. There are many financial and federal consumer protection laws that Wells Fargo has either not complied with or provided their own documentation. 

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 06-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I sent this company a dispute letter dated  XXXX   XXXX ,  2017. Here  I had pointed out some blatantly incorrect trade line information that my credit report contained. I waited the allotted 30 days only to find this company had not rectified my report.  <P/> At this time I am reaching out to the CFPB and asking they investigate this company, as on the BBB website I have found thousands of complaint against this company where folks were suffering from the same mistreatment as I have.

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 03/31/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Happy Friday, I checked my credit recently and I still see XXXX on my credit. I have disputed this information as fraudulent I have also submitted the information for XXXX, XXXX AND TRANSUNION to verify this information ... They have not sent me correct information that is verifiable. I 've complained filed disputes its still listed.

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 08-11-2017 about Debt collection (Other debt) with General Financial, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: XXXX XXXX XXXX is reporting a collection account to all credit bureaus as a collection account that 's in the status as open, it 's also reporting a high balance and a balance owing and the balance goes up each month ... How is this possible when the account is supposedly a closed collection account. Instead of updating the account with " included in bankrupty, closed, { {$0.00} } balance '', they sent the account to collections. The collections comp any XXXX XXXX XXXX has put a collections account on my credit report further ruining it when they should not have received the account in the first place. I contacted XXXX asking them to re move the account and they said they will not. The account was included in bankruptcy but I am continuing to receive letters demanding payment. I want this account removed from my credit report.

Company response to consumer: Untimely response
Consumer complaint received 03-10-2017 about Mortgage (Other mortgage) with NATIONSTAR MORTGAGE (VA).
Issue: Loan modification,collection,foreclosure

Complaint: Between XXXX and XX/XX/XXXX, and after I filed a CFPB complaint against Nationstar Mortgage, they allow me to submit a Second Loan Modification based on my hardship financial situation. I have submitted all the documents that they requested uploading them through its website. I contacted several times Nationstar Mortgage to get a resolution. On XX/XX/XXXX I spoke with a representative and he told me that the modification was denied without any explanation and I request a denial letter that they said they will email me and send on regular mail. Shortly after I received a letter dated XX/XX/XXXX ( attached ) stated that they are waiting for third party to complete the evaluation. I called again on XX/XX/XXXX and XXXX told me that they denied the loan modification and has sent the letter that I request again to have sent by email, XXXX told me that she was sending as an attachment on email. I have never received the denial letter. Instead I have received a letter notice that per agreement modification they will increase the interest rate per the schedule. Please see the attached letter. 
First at all Nationstar does not care about customer service, their phone system does not allow to speak with loan modification department. Nationstar does not care about clients that want to keep their home. They only care about increase interest rate and consequently their profits. I really doubt that they have a Loan Modification Department and or Underwriters that analyze documentation for loan modification applications.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (NC).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: Citi  Dividend  World Mastercard c harged a foreign transaction fee.     When I signed up for the card a few years, the "  World '' Mastercard was not supposed to have any foreign   transaction fee.   I used this card to for a purchase in  XXXX   XXXX .   The purchase amount was  XXXX   XXXX  Citicard applied a 3 % foreign transaction fee, total {$130.00} When I talked with a   Citicard customer rep ( online chat ), she forwarded me the agreement for the card, that had 3 % fee.
Though, I know when signing for this " World '' card, Citi promised 0 foreign transaction fees.
Before making the purchase, I checked my account on citicards.com. The account website does not list this fee anywhere on the screen.
They send the card agreement via mail in 8-10 days.
  Citi card is making this information   difficul t   to find.

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 05/30/2015 about Debt collection (Medical) with Receivable Recovery Services, LLC (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Receivable Recovery {$220.00} for all debts I had on my credit report on XXXX/XXXX/2015 by Debit Card to XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I have a bankruptcy on my credit file. I wrote  the BK  court to ask them what the process is when reporting the court cases and their response was that they do n't report to the agencies. I contaced  XXXX   XXXX ,    XXXX   XXXX    & Experian they just said it was verified with  XXXX   XXXX . I wrote  XXXX   XXXX  and they just sent me my file. I did n't know they could verify with another bureau. This has been a never ending cycle I have proof and they still wo n't delete it.     The problem is, none of that information is accurate. The recorder of deeds, the magistrate, or the court itself did not furnish any of this information to the credit bureaus.  XXXX   XXXX , which is a for profit company that is in the information-selling business. They regularly collect public records information into their database, and then they sell it to the credit bureaus. it is a violation of the Fair Credit Reporting Act to report false information. Also claiming to get information f rom a court, when it is actually obtained from an unnamed 3rd party, could easily be considered false inform ation on my credit report.

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 01/24/2016 about Credit reporting () with Experian Information Solutions Inc. (AL).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I accessed a free copy of my credit report from freecreditreport.com, which looks to be owned by Experian. The address and current employer information is over 8 years old. Their web forms would not " accept '' my information as matching their system ( email and DOB, both are correct on the report, and a membership ID, provided by Experian ). The toll free number I was referred to ( XXXX ) only has XXXX options : obtain a copy of a free credit report and fraud prevention services/security freeze. There was no was to open a dispute other than by mail. The letter will be mailed XXXX/XXXX/16.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/28/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Harvard Collections, LLC (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XX/XX/XXXX I had XXXX as my cell phone and internet provider. There was a break in service which came from a tower issue. My fiance needed the internet for her business ( which is XXXX ). The service was interrupted for XXXX days, even though XXXX had been contacted daily ( and sometimes several times a day ), causing my fiance to lose clients and thus, money. This caused a financial hardship for her. After the XXXX day, we were forced to shop for another internet provider. XXXX was advised, but continued to bill me for the service, as well as late fees and early termination fees.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2017 about Debt collection (Medical) with P.S.C., Inc (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: On XX/XX/XXXX I was informed by a lender that unpaid medical debt showed up on my credit report XX/XX/XXXX for services provided by a doctor in XX/XX/XXXX. 

As far as I know I paid all my copays and deductibles in XX/XX/XXXX. I was not notified by the doctor that any further debt was outstanding. 

I contacted Puget Sound Collections to inquire about the debt and to validate it was correct. They told me it was for unpaid medical bills to XXXX, but that is all they would tell me. They referred me to XXXX who told me I had a {$0.00} balance and referred me back to Puget Sound Collections. I 've spoken to XXXX people at Puget Sound Collections and XXXX people at XXXX and none can verify or validate the debt. 

The second woman I spoke to at XXXX told me that a letter is sent every month for XXXX months if a balance is due and on the XXXX month it automatically gets sent to collections. She did n't have an answer as to why mine would 've been sent almost XXXX years instead of XXXX months later. 

I asked Puget Sound Collections to take the negative marks off my Credit Report until the debt was validated and they refused multiple times. The reason they gave for not notifying me prior to sending the account to the credit Bureaus is that they are not licensed in my state. 

I verified with both XXXX and Puget Sound Collections that they have my current address and phone number. 

Puget Sound Collections has told me, in no uncertain terms, that I must pay them without verification of the debt before they will remove any negative remarks. I consider this extortion. 

It 's my understanding that if Puget Sound Collections reported inaccurate information to the Credit Bureaus that is considered fraud.

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 04/16/2015 about Debt collection (I do not know) with SECURITY CREDIT SYSTEMS INC (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They calling my house and asking to speak to my daughter, when they are told she does n't live here they tell me that I am lying and they will continue to call me XXXX Times a day if they want to, they wo n't give me thier address so I can send a cease and desist letter so I told them to cease and desist calling but they continue to call the name of the company is security credit

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: While reviewing my XXXX credit report, I noticed a collection account listed as XXXX  XXXX, ACCT # XXXX. I have no knowledge of this company or this account. I DO NOT or have NEVER had a contract with XXXX XXXX. I am not liable for this collection. I am requesting that this debt be verified and validated as a legitimate date. I would like physical proof of this, including a signed contract containing my signature, or It needs to be deleted from my credit report.

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 08/29/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have disputed an account on my credit report. The results came back as verified but they do n't want to remove ( The remark with it says consumer dispute ) Even though the dispute is over.

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 05/28/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (OH).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I received call from XXXX to my cell phone at XXXX on XXXX XXXX, 2015. The number is registered to Midland Credit Management. The caller refused to answer my repeated questions of " Where are you calling from? '' " What company are you with? '' After several refusals, they were going to " transfer me. '' I believe this is fraudulent behavior as the FDCPA prevents them from " place telephone calls to you without identifying the caller as a bill collector. ''

Company response to consumer: Closed with non-monetary relief