milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-10-2017 about Credit card or prepaid card (Store credit card) with Federated Law Group (GA).
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: XXXX XXXX charged me for 2 accidental death insurance plans long after I canceled both plans in writing. I asked them to credit my account when I realized they were still charging me. They did not. The account was submitted to a collection agency and sold. I have not received a demand letter, nor have I been given the opportunity to dispute the disputed portion of the debt XXXX XXXX assignee of XXXX XXXX XXXX XXXX XXXX placed the account with FederatedLaw who in turn filed suit against me. 
I called and verbally disputed the debt and requested that they document my dispute. 
I asked for a payment plan for two months or until the balance dispute is resolved. I offered the same two - month payment plan until XXXX 2018 at which time I can settle the portion of the debt I owe after filing my taxes. I admit I owe something but not the entire amount this group is unwilling to work with me to resolve this debt. I even asked for a consent order with payments until I file my taxes and can settle they are unwilling to work with me, I do n't want to file a Chapter XXXX I want to pay what I owe I need someone to correct the balance and give me a plan for 2 months until I can raise the money.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
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: Equifax and XXXX  continues to report incorrect information regarding an installment account with XXXX XXXX XXXX. XXXX XXXX has been reporting my account late for the past 5 months and that is incorrect. they receive automatic payments for me every month and my account has not fallen behind, This is reflecting my report and it is effecting my scoring with this incorrect information. this account has not been validated or verified and I am being taking advantage of. Please remove this incorrect information from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
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: Credit report agencies refuse to delete unverified bankruptcy on my credit file. I have sent several letters in the past two years asking for proof by providing me with documentation with my signature on it. Instead they sent me a bogus letter saying they verified the information as ... being accurate. No documentation with my signature on it was provided to me in accordance with the FCRA Section 609 stating that the CRA 's credit agency must provide the consumer with the original signed contract or they must delete. They say they verified this bankruptcy filings with the clerk of the court but the clerk of the court does not verify that information with 3rd party. So they are lying and continuing to report these inaccuracy on my credit file which is against the federal law. I am also requesting the names, addresses and telephone numbers of individuals they contacted so that I may follow up. I want this unverified bankruptcy deleted immediately. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. In the interim, these items should be noted on my credit record as in dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (OK).
Issue: Unsolicited issuance of credit card

Complaint: male called said he was with my " credit card company '' capital one and asked for my credit card # which I gave him and also gave him the last XXXX numbers of my social security #. He somehow called the credit card company and found out as he told me that I owed {$200.00} on my card and that it was maxed out. So he checked the balance using my confidential information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/30/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX ( the original creditor ) sent me a letter saying this was being deleted. But Midland is still reporting it to the credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2017 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I had an account with XXXX that became 180 days delinquent in XX/XX/XXXX. The account was never brought current and reported negatively on my credit report until the account was sold in XX/XX/XXXX. According to the FCRA 623 ( a ) ( 5 ), this account should be removed from my credit report. It has been re-aged by the original creditor to reflect a different date of default The account has been aged more than seven years from the original date of delinquency and should be removed from my credit report.. I have supplied a copy of my credit report from XX/XX/XXXX showing the original status of the loan, prior to it being transferred to another lender.

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2015 about Credit reporting () with Experian Information Solutions Inc. (KY).
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint: I went to freecreditreport.com on XXXX/XXXX/2015 to request a free credit report, and they fraudulently signed me up for a monthly service that costs over {$20.00} per month. I called them today ( XXXX/XXXX/2015 ) to tell them that I do n't want this service, or this monthly charge, and they refused to refund my money, saying that it was my fault. I want my money back! please help me resolve this dispute.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 08-02-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: There was an account in my name through XXXX and about 5 months ago this account was resolved and XXXX put in writing to remove his account from ALL XXXX credit bureaus. XXXX did that and then now a new collection agency decides to try to get a commission check and putit right back on to my report. I spoke with XXXX XXXX on XX/XX/2016 he claimed to be a supervisor but did nothing to look into ths. He just wanted to get me off the phone and transfer the call. It took me a long time to get this resolved and now this bogus company is trying to get a pay check

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 09/23/2015 about Debt collection (Credit card) with Halsted Financial Services, LLC. (CA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I have received multiple calls from this company called " XXXX XXXX '' threatening me with lawsuits. XXXX of their reps a lady said she was outside my door to serve me and wanted to verify my address. I told her I do n't know who she is and to go away. She started yelling that I was going to get sued. 

I got another call spoke to a guy XXXX XXXX at XXXX who called me a dirtbag because I asked to stop receiving phone calls and threats and if they wanted to communicate with me to write me. He refused to give me the real name of the company which I found out is HSC litigation but I do n't know how true that is. They refused to provide me with an address so I can write and ask them to stop the harassment. 

They continue to call excessively with multiple calls within an hour from different numbers XXXX, XXXX, XXXX. Pretending to be my clients. Threatening me that I will be served between XXXX and XXXX and yet no one has served me. They are rude and vicious. I can see how they can send anyone into a panic phase with all these threats. 

They refused to give me a court case number when I asked for XXXX. They go from saying I have been served to I am going to be served to there is a court case against you. They have refused to provide me with an address so that I can write to ask them to stop harassing me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2015 about Credit reporting () with Innovis (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: We advised the credit bureaus that XXXX, XXXX XXXX and XXXX furnished them with incomplete and inaccurate information. XXXX the attached documentation which was sent to each of the aforementioned banks. They detail inaccurate information we were given at he time of hurricane XXXX. The incorrect information was relied upon to make financial decisions we would not have otherwise made. We wrote to each individual bank and have escalated it to the highest level and have filed complaints with the XXXX XXXX XXXX. We have also filed complaints on-line and made telephone calls directly to each of the credit bureaus. We stated that the information reported by the banks was inaccurate inasmuch as it does not reflect the entire circumstances of events fairly. IT DOES N'T TELL THE WHOLE STORY. This is a violation of our rights under the, " fair credit reporting act. '' During hurricane XXXX both XXXX and XXXX XXXX verbally authorized via the customer service department a Disaster XXXX program and/or moratorium of mortgage payments. At that time, neither bank fully disclosed how the waived payments would be repaid. We were told by both institutions that the missed payments would be added to the end of the loan. Both institutions told us after we had already taken part in the moratorium of mortgage payments that they must be paid in full at he end of the waived period. XXXX involvement is limited to having bought the loan from XXXX and has continued to report us late to the credit bureaus. However, since XXXX took over our loan in XXXX 2014 we have not missed or been late with a mortgage payment. Furthermore, if you research the history of loans with XXXX and XXXX XXXX, you will find that we have never been late or missed a payment and we are not in any foreclosure proceedings. However, the past reporting which still remains on our credit report has caused irreparable damage to our credit scores, my employment and our quality of life in general.

Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2017 about Mortgage (Conventional home mortgage) with VANDERBILT MORTGAGE & FINANCE, INC (TX).
Issue: Trouble during payment process

Complaint: morgage company refused payment after we reported the co owner/payer has XXXX. 
we then tried several covernment programs and XXXX refused that too. stating they are a private company and was rude. seting it in XXXX for forclosure. we then filed bancrupsy and the court ordered them to take payments, for XXXX would say sall or nothing. during the bancrupsy which was to be put tward the principle, they put it all on intrest and escrow XXXX keeping it there then mis reported the ows to the court, and did not give us the proper acounting for the loan. also complained that they were going to work with us. and they kept refusing payments unless forced by court. they used the XXXX mis reported taxes to the court to increase the trustee 's pay we were to paay to increase it over our fixed limit, income as we sold all our buisness assets and items to cover it. finaly we could not pay the payment and beged the court for help. the lawyer who was to take care of it just added alot of fees and did not take care of it. the case had to be dismissed. then we called XXXX they said they are to forclose and gave us a false incorect statement, asked more for the loan then we started the loan in XXXX and used multiple tricks and huricane harvy court offices being closed front door step to forclose. then their own employee bought it. we have apealed it and not still trying to get them to coaperate. note me and my wife are totaly XXXX. and they would not listen or do anything. we calculated the home to have less than XXXX left. and the trustee payment info does not match their statements. they did not put the payments proper and did not do as the plan stated. we can not afford the lawyers for we paid alot to them in the past and got no where. we are still geting taxes from the XXXX lady for the house. and they are using the forclosure to whipe out the records so it can not be seen. can someone please help us they have been doing stunts. also the lawyer that went against us decited that they will not represent XXXX after seeing the stack of evidence we reported and what they had done. every lawyer took a look at my wife and felt bad. including the judge. we have not got any return or records from XXXX unless we request it and what we got back is false and incorect. we have not ever recieved a XXXX tax form.

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 04-01-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with GC Services Limited Partnership (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I am in the process of getting a Security Clearance for a job and I was told by the investigator that when they checked the courthouse under my name and drivers license the following was found ; 1. Citation Number # XXXX XX/XX/XXXX, stating it was turned over to a collection company called GC Services Collection. It did n't have a amount or anything. I tried contacting this company but was unable to get verification and copy of ticket and what violation I commited. Apparently the State of california has created a new branch of government allowing a collection company to do court work. I don'r recall getting a ticket that I would not have paid the fine and the ticket be closed. 

2.Citation Number # XXXX XXXX this is the XXXX ticket that is being handled by GC Services. I went to their site and they are stating that I owe {$820.00} for a ticket i know that has been paid and should be closed. Please assist me in getting this collection company acting as the court of law to remove this erroneous information.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: The credit bureau ( Transunion ) placed a fraudulent address ( XXXX XXXX XXXX XXXX, XXXX, FL XXXX, on my credit file report, then starting reporting the fraudulent accounts and data on my credit file report. Although, I sent my identification that verified my current and former address as XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, the credit bureau continues to report the fraudulent account and report it as accurate.

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 09-02-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I disputed inaccurate/outdated information on my credit report with Transunion. Transunion removed XXXX disputed items but kept XXXX of them on. The XXXX XXXX XXXX XXXX is the same debt as the XXXX XXXX debt, both for the same mortgage of {$33000.00}. Both are still on my credit report. XXXX XXXX XXXX is not my debt. I was relieved of these debts per judge 's order. Transunion updated these negative accounts to XXXX 2015 activity but did not remove them. Also, there are XXXX debts from XXXX that are more than eight years old still being reported, XXXX with a monthly payment of {$0.00}. 
Transunion sent me an update on my dispute and a link to access a free copy of my updated report, but when I try to access it, I am directed to enter payment information for the amount of {$11.00}, so I have been unable to see my updated report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (VT).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX agencies, Enhanced recovery collection and ERC. They insisted on me to pay the amount. The creditor is XXXX company. XXXX denied because it has no account information in the system. suggesting me to file ID theft. or dispute it at XXXX credit bureau.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 06-05-2017 about Mortgage (Home equity loan or line of credit (HELOC)) with LCS FINANCIAL SERVICES CORPORATION (FL).
Issue: Trouble during payment process

Complaint: After my wife 's bankruptcy,  XXXX    XXXX   converted this to a consumer loan and then transferred it to  LCS Financi  al.  Under Florida bankruptcy law, the lien should have been removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2017 about Debt collection (Other debt) with EQUIFAX, INC. (OH).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The credit Bureaus is displaying false information regarding a debt that 's place on my accounts. The debt under XXXX XXXX is listed on all my credit reports for {$180.00}. The company sent a letter with the amount of {$110.00}. This is false reporting. I do not have an account in the amount of {$180.00} this account does not belong to me. I need proof of this account or it needs to be removed from my report with updated information.

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2015 about Credit card () with CITIBANK, N.A. (UT).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I am writing this letter in regards to the complaint case number XXXX ( Citi bank fraud complaint number reported to XXXX XXXX XXXX which I filled on XX/XX/XXXX. In which Citibank/ Sears have issued a credit card to someone under my credentials back in XX/XX/XXXX, which has a due of XXXX and was never paid off. It has started to bring my credit score down to subsequent level. 
I have never opened any account with Citibank/ Sears and either me or, someone related to me have never received any goods of services from this account. So I request you to close this account and inform all three credit bureau 's immediately. Since because of this fraudulent account mortgage banks are charging me high interest rates then they would have charge me otherwise. 
I have already filled the police report for the following incident with the case number XXXX. I have already signed and send the documents they requested a week ago I want bank to proceed quickly in resolving this matter since its costing me to pay more money to get home loan and I have been spending lot of hours to get this dispute corrected. If this gets pushed beyond XXXX XXXX and my mortguage bank charge me additional interest rates then they would have charged otherwise I would be pressing those charges against Citibank/Sears because I am not responsible for this. 
Please feel free to contact me anytime at XXXXXXXXXXXX or XXXX XXXX XXXX if you have any questions or need more details

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/19/2017 about Mortgage (Conventional fixed mortgage) with Shellpoint Partners, LLC (MD).
Issue: Loan servicing, payments, escrow account

Complaint: i am sending paying to my mortgage company they keep returning it this is the second time stating i am 90 days behind while i am trying to resolve the problem

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2017 about Debt collection (Credit card debt) with ProCollect, Inc (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I am an victim of ID theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used or benefited from these accounts or transaction in any way. Please delete all these.

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 10/20/2016 about Consumer Loan (Vehicle lease) with U.S. BANCORP (TX).
Issue: Managing the loan or lease

Complaint: I recently obtained a new lease loan with US Bank. They do not report to consumers what the payment amount is, when it is due or the loan balance. They said they will only report the payment amount and due date ON the date its due. So I will never know what balance is due to be paid until XX/XX/XXXX when they expect payment. They also do not allow online bill pay unless you bank with them. They refuse to accept repeat payments unless you bank with them. They do not enable customers to make ongoing payments, they force you to manually enter your routing and account number every time you want to remit a payment. They only allow customers to make a payment to be drafted the same day, they refuse future/ongoing payment ( s ). Finally, when a payment does not process correctly, they do not maintain the account information entered. Therefore, they can not determine where the error took place, their banking institution or the consumers. This seems to be very shady practices not allowing me to access payment amounts until the very day it is due.

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