milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I called the credit bureau Equifax to get the status of my dispute that was filed and XX/XX/2018. After speaking with a customer service rep I was told that the item in question was deleted from my account however it was placed back on XX/XX/2018. I received no notification via email or letter in regards to the status of my credit dispute I was told to dispute the item again. I also told the customer service rep that I attempted to contact the Creditor via email by phone and visiting their office but they are no longer available. The phone number is disconnected and the business is closed.I also asked for contact information of the Creditor and it was the same information that I used to attempt to contact them.Unfortunately, I had to dispute the account again today. Equifax is refusing to remove the item that was deleted on my report although they know the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (UT).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I wrote to Equifax on XXXX XXXX, 2017 and received proof of delivery showing they received the letter on XXXX XXXX. The FCRA requires them to respond within 30 days. As of XXXX XXXX I had not received any response so a telephone them and got stonewalled. Identical letters were sent to XXXX and XXXX the same day. XXXX provided an appropriate response within a week or so. When XXXX failed to respond within the 30 days required by law I telephoned them and they handled the issue immediately. Equifax has refused to respond and was rude and deceptive when I tried to talk with them about my dispute, claiming their actions were exempt from the requirements of the FCRA. I want Equifax held accountable for complying with the FCRA! Attached is a copy of my letter to Equifax, dated XXXX XXXX, 2017. I can provide a copy of the U.S. Post Office proof of delivery on XXXX XXXX 2017.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2016 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: We have been working on a short sale for several months. We have been through several buyers as the bank takes months to decision the file. Our current buyer has been pending for 2 months now. The bank would ask for XXXX new doc eevery week until the file was complete. Since then it has been submitted for approval, with no decision. 

On XXXX at approx XXXX XXXX. I spoke to XXXX - Operator XXXX. He was extremely rude and condesending. I requested to speak to a supervisor and he declined.

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 05-01-2017 about Debt collection (Other debt) with RFNA, LP (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Company, Republic Finance, h as  left 7 voice mai ls on my cell phone since  XX/XX/2017   .     Calls have originated from several different  # s, s ome from the 'call-back ' number left in the message, others from a number where the  last two digits may dif fer from the call-back number,  XXXX  They are looking for someone named "  XXXX  '' ( spelling is a guess, being pronounced as sounding like   XXXX   XXXX  .     There is no one at that name here. I do not know anyone by that name, and have had this phone #,  XXXX , for over 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2015 about Debt collection (Medical) with FIDELIS RECOVERY MANAGEMENT, LLC (FL).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: XXXX has attempted to collect on a debt that is past the statute of limitations. They said they could put it back on my credit report, although it is no longer showing.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2017 about Debt collection (Payday loan debt) with Northeast Recovery Solutions, LLC (CO).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: NorthEast Recovery Solutions LLC XXXX north XXXX XXXX XXXX XXXX XXXX, ny XXXX XXXX contacted me regarding a debt I owe. The message they left on a business phone contained most of my personal information. It also contained language about a pending complaint filed against me in my county. I called them back at the number they provided- they gave me more data, but would n't let me talk in any way. Then my husband called them back, she did n't verify any data, just proceeded to give him all of the information and then proceeded to insult my character on the line. She would not provide any data as to who her company was or their contact information. I called them again and asked for her supervisor, her supervisor said that she sits right next to this person and that she did everything right. That she would not review her call and that she, the supervisor, had no superior to speak to. 
They proceeded to dial over and over again to all of our numbers, from phone numbers that varied. When I called back to discuss the reference number they left me and to ask them for their company name and contact information - i was disconnected. 
I called back and was told that I need not call them again as they would file harassment charges against me for merely asking them to identify themselves. 
The woman proceeded to contact my husband, to tell him that I was threatening them and using foul language with them. Complete and total lie. 
I filed a complaint with my Attorney General who confirmed they are n't even licensed to collect in the state of Colorado. 
Not only would they not identify themselves, they gave away personal information without verification, they defamed my character, and then would n't deal with me on my own debt and threatened to file legal action against me for wanting to know who I was dealing with. When i asked them to only communicate with me via mail, they said that I did n't understand the law and that they could do whatever they wanted to collect the debt. Additionally, they do not let you speak. XXXX XXXX or XXXX and XXXX XXXX were horrific and impossible to deal with.

Company response to consumer: Untimely response
Consumer complaint received 05-06-2015 about Debt collection (Medical) with Designed Receivable Solultions, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I was contacted last week on behalf of this company telling me about a debt for my daughter. They did not explain to me that I could dispute this claim nor did they mail me any information about this debt. The collector was very rude and I was just trying to figure out what she was talking about. I filed a complaint with the XXXX as well. But, it should be against the law for them to add this on my credit report without giving me all the information. I believe that someone has been fraudualent and used my medical information. They put this on my credit report without telling me that they would do so. They even said hey spoke to my husband in XXXX. I am. It married.

Company public response: Company believes it acted appropriately as authorized by contract or law
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 CITIBANK, N.A. (IL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have a total of 7 inquiries on my credit report, but I do not know what 3 of them are. 
XXXX XXXX XXXX XXXX - XX/XX/XXXX CBNA - XX/XX/XXXX Citibank - XX/XX/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 10/21/2015 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (FL).
Issue: Managing, opening, or closing account

Complaint: I ca n't bring up any of my account money or Rush Goals have my money. I 'm waiting on {$200.00} to be released. Rushcard has been horrible with fixing this information

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/31/2016 about Credit card () with BBVA COMPASS FINANCIAL CORPORATION (VA).
Issue: Advertising and marketing

Complaint: Dear Sir/Mdm, I am writing regarding the BBVA recent XXXX points promotion. According to BBVA offer, " The promotion will end at XXXX XXXX on XXXX XXXX, 2016. '' I made XXXX transactions - all are around two weeks of the XXXX finals. I was supposed to get XXXX points for these purchase. However, I was told by BBVA customer service that " Even though you purchased the items on the evening of XXXX XXXX, the purchases did not got thru the system until after XXXX XXXX. '' XXXX * XXXX {$4.00} XXXX/XXXX/2016 XXXX * XXXX {$400.00} XXXX/XXXX/2016 XXXX * XXXX {$400.00} XXXX/XXXX/2016 XXXX * XXXX {$400.00} XXXX/XXXX/2016 XXXX * XXXX {$6.00} XXXX/XXXX/2016 XXXX * XXXX {$400.00} XXXX/XXXX/2016 XXXX * XXXX {$400.00} XXXX/XXXX/2016 XXXX {$970.00} XXXX/XXXX/2016 Posting an offer, promoting the company, and then rejecting to honor the offer, BBVA is misleading customers into doing business with them. I hope your agency can help correct such fraudulent practices. 

Thank you very much for your help. 

Best regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/20/2016 about Credit card () with JPMORGAN CHASE & CO. (VA).
Issue: Other fee

Complaint: I was charged interest by Chase after a representative informed me that there would be no interest charges if the payment was received before the due date. Attached letter to Chase explains the situation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/14/2015 about Credit card () with CITIBANK, N.A. (WI).
Issue: Credit determination

Complaint: I was refused Credit card based on filing bankruptcy 20 years back. They are using there information to process credit card rather using Credit Bureau.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (NJ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX has that I owe them XXXX. This amount is erroneous. I called XXXX to cancel my mobile service and they refused to cancel unless I paid the outstanding balance so they continued to bill me and add on late fees which totaled the amount above. I can not believe they refused to cancel my service and continued to bill me. this outstanding balance has been transferred to various collection agencies in an attempt to collect the erroneous debt and its negatively impacting my credit score/credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2016 about Debt collection (I do not know) with ERC (NC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: These people ( ERC ) calls me at all kinds of hours with different phone numbers. At XXXX point I had some guy called me, he had a deep XXXX like accent with and American first and last name. He claimed that I owe a debt but refused to tell me what company or what debt I owe without giving him my social security number. After I told him I refuse to pay a debt without any verification he used profane language with XXXX and threats to sue me and or put me in jail and give me a bad credit report. I believe they are the ones messing up my credit because I am in good standings with my debts. Some are nicer than others but they use the same tactics of trying to force you to give up personal information without verification of debt. I believe that most of them are of XXXX decent and all of them use American names, I do n't know if it 's part of their tactics but I believe it is misleading and illegal. Please stop these people from harassing me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 11-10-2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (MN).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I am in chapter XXXX bankruptcy in MN - XXXX. The office of XXXX XXXX XXXX and Midland Funding received a judgement in their favor and are now attempting to garnish my wages, which is n't allowed under the automatic stay rules of chapter XXXX. The case is XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-11-2017 about Credit card () with DISCOVER BANK (OH).
Issue: Closing/Cancelling account

Complaint: I 'm using Discover credit card for three months I have earned around XXXX $ cashback and in the end of the first year, they promised to give another same amount on how much we earned as cashback. But they suddenly closed my account without any prior notice so I enquired today they said I had made a payment last month that has been returned back.. actually, I did n't make any payment it was unauthorized so they had added the penalty to my statement I showed up some clarity and canceled my penalty charges. Now, they closed my account and took my XXXX $ cashback n saying that due to security issues they closed!! it can not be reopened you lost the cashback, you can reapply credit card again without any old reward! this also cost me to lose credit score!! this I suspect some fraudulent. They 're not loyal to the customer if we earn more cashback they igniting some errors and closing the account ... this problem faced by a lot of people ... I read it in few websites ... I need my cash back!! n I do n't want to lose my credit score without doing any fault.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2015 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: My Equifax credit report, shows up XXXX different address for myself, though only XXXX of them is correct and the other XXXX, to be cleared of error. Here is the Right adddress of mine ... 

XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX , NC - XXXX. 

I would like to get this fixed at the earliest. 

Thanks, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: The property I owed located on XXXX XXXX XXXX in XXXX, IL was sold on a short sale on XXXX. The creditor, XXXX, continues to report the account as past due on XX/XX/XXXX, even though as per the documents the house was sold and the title passed to the new owners on XX/XX/XXXX. In addition, they also continue reporting that the house was in foreclosure as of XX/XX/XXXX, even though foreclosure proceeding never started and the house was sold two months before that. There should be no data reported for XXXX and XX/XX/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 01-01-2016 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX tn. Is not me. I never lived there

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Problems caused by my funds being low

Complaint: Bank of America ( BofA ) stole money from my account and refuse to refund the entire amount. Long story short, BofA assessed overdraft fees on my account, but my account did not reach a negative balance. I have attached screenshots evidencing that the account did not reach a negative balance. I called the customer service dept and they did refund XXXX of the overdraft charges, but refused to refund both. At the end of the day, I will no longer be utilizing this account and have changed my direct deposit to another bank, but wanted to make sure others are aware of the fraud occurring at this bank. ( and this is not the first time this has occurred )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 06-07-2017 about Mortgage (Conventional home mortgage) with FREEDOM MORTGAGE COMPANY (OH).
Issue: Trouble during payment process

Complaint: Several months ago my mortgage was sold t o Freedom  Mortgage based in Texas. Some time around  XXXX  o f 2017 I stopped receiving mortgage statements so I called to inquire. The mailing address on file matched my mailing address and I were assured I 'd start receiving correspondence. Two more calls because still no mail. The third call revealed they were getting the statements returned " undeliverable ''. Two months ago I went online to print off a mortgage statement and the mailing address was in Maryland. Subsequently my identity had been stolen which is another issue altogether that was revealed because the Maryland address was used to try and change my Social Security direct deposit bank and account number. The last call I made to Freedom the girl put a " change order '' in to correct   the mailing address. 15 minutes ago I went to print another mortgage statement and the address is still in Maryland. My fear is that there might be someone inside Freedom stealing identities or they were hacked. I asked on the last call and the girl said she did n't have any information about a hack.

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 06-01-2015 about Consumer Loan (Vehicle loan) with Byrider Franchising, LLC (WI).
Issue: Problems when you are unable to pay

Complaint: I financed a car for over XXXX dollars, I became XXXX when I only owed {$2400.00}. Car appectance now company XXXX CNAC XXXX informed me after they reposed the car, they then sold the car and I now owed the balance after the sale. Which at that time was stated {$1800.00} some odd dollars. They in turned reported to all three credit bureaus an incorrect amount due balance is still {$2400.00}.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have continued to dispute this on my report for years. The company ca n't show me proof of a signature or delivery of any goods or any payments made.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2017 about Checking or savings account (Checking account) with TD BANK US HOLDING COMPANY (NY).
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint: I had a account With TD Bank and when I would get My check Direct deposit some of my check was missing things did n't add up. When I spoke to A Representative t try a straighten out no one was no help.I was of money my rent was back up because of it that happening to me. Then they said I had a lot of drafts which I did n't. So I stop using TD Bank

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with First Federal Credit Control (GA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: XXXX : First Federal Credit Control/and XXXX XXXX XXXX : XXXX XXXX XXXXTHIS notice is sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 XXXX b ) that your claim is disputed and validation is requested. 
Upon recent review of my credit report, FIRST FEDERAL CREDIT CONTROL- XXXX Credit Report : Account 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Account 2 ) # XXXX - XXXX. XXXX XXXX, XXXX OH XXXX Collection agencies are reporting that I owe the above creditor XXXX Car Rental a debt. I am in dispute of this unfair debt collection practice and inaccurate billing dispute. How could I possibly owe XXXX of these creditors for the same exact debt? XXXX Re : XXXX Car Rental ) As per this rental, this was an insurance claim, paid in full by my Insurance with : XXXX INSURANCE- PLEASE CHECK YOUR RECORDS CAREFULLY. 
Upon return of my rental the agent on duty never advised me or called me to discuss with me THAT I HAD A BALANCE/ OR gave me an opportunity to actually DISPUTE the issue. 

I am requesting that you investigate this illegal deceptive practice and verification of this questionable debt collection agency/or agencies. I NEVER RECEIVED ANY NOTIFICATION OF THIS DEBT or a description of what I owe this money for. Apparently this is a scam ; this appears to be the same exact companies. This is an illegal Unfair practices. Debt collectors should not be allowed to engage in unfair practices when they try to collect a debt. For example, in this case, they should not identify themselves as different companies, when they are actually the same. 
Please investigate this matter. I do n't even know who these companies were until this account was turned over for collection. Could it be credit theft? I 'm not paying until I see an accurate billing statement. FUTHERMORE, " The FTC CLEARY points out, " Every collector must send CONSUMERS a written 'validation notice ' telling you how much money you owe within XXXX days after they first contact you. This notice also must include the name of the creditor to whom you owe the money, and how to proceed if you do n't think you owe the money. '' I never received any notice. Subsequently, The FCRA also protects consumers from the misreporting of information on your credit report. If a debt collector or credit bureau reports incorrect or inaccurate account information, it is violating the FCRA. Examples of violations include failing to report that a debt was discharged in bankruptcy and reaging old debt to extend the statute of limitations. In this case, it is definitely apparent that a collection agency or Credit bureaus can most definitely mix up similar credit files and misreport information. Therefore a consumer, should have the right to dispute any information he/she may feel is not possibly reported accurately.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation