milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (MN).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I had a Best Buy credit card through CBNA that was closed with a {$0.00} balance in XXXX. Citibank confirmed this with me on the phone on XX/XX/18. However, XXXX is reporting that this account is delinquent and has a balance associated with it. According to the customer rep at XXXX XXXX, Citibank is telling XXXX there is an open account with an owed debt on it. This is completely different than what they are telling me and what I know to be true!

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 07/18/2017 about Debt collection (Auto debt) with Asset Acquisition Group, LLC (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: ASSET ACQUISITION GROUP , LLC, has created another judgement against me. A case between this collector was back in XX/XX/XXXX  in the Sate of Florida ( case :  XXXX  ) and the case was dismissed. ASSET ACQUISITION GROUP , LLC created a judgement in  XXXX  in New Jersey which I never knew about. Then created a judgement in  XXXX  and lost the case. On  XX/XX/XXXX  ASSET ACQUISITION GROUP , LLC, create a new judgement against me in New York. This is the first judgement by ASSET ACQUISITION GROUP , LLC that I was notified. Since this is the first time ASSET ACQUISITION GROUP , LLC notified me legally in  XX/XX/XXXX  that is when the collector has tried to collect on an old auto debt passed the Statue of Limitations. This is a new judgement against me  XX/XX/XXXX and this debt is from  XXXX .
Due to Lack of Privity I have no relationship between ASSET ACQUISITION GROUP , LLC and never signed a contract or agreement with ASSET ACQUISITION GROUP , LLC.
This judgement is a Failure Of Consideration due to the fact that I have never entered into any contractual or debtor/creditor arrangements with ASSET ACQUISITION GROUP , LLC.
ASSET ACQUISITION GROUP , LLC state hat my credit application had   XXXX   XXXX   XXXX   XXXX  ,  XXXX , New Jersey  XXXX  however I had never lived there. Also ASSET ACQUISITION GROUP , LLC states that they served me at that same address in   XXXX   however I have never lived there. The Plaintiff has no proof of that address and my social security number associated with that address.There are several   XXXX   XXXX   XXXX   within the state of New Jersey.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Deposits and withdrawals

Complaint: Bank of America reported me to XXXX for fraud when I did not commit fraud. I told them I would pay fees I accumulated. But I told them I would n't pay for a bounce check wrote by client. that I deposited and recived no money from. And I asked them to remove the fraud from my name on XXXX. It is unfair to report me for fraud if I have not committed. I had been a long time client with them.

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 05/20/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (PA).
Issue: Account opening, closing, or management

Complaint: Citibank offered XXXX XXXX XXXX points for signing up for a Citigold Checking account if you meet the requirements of the promotion. I secured message Citibank with reference # XXXX in which they confirmed I completed the requirements for the promotion of XXXX on XXXX XXXX, 2016. They told me I would get my XXXX XXXX points within 90 days. After 90 days they told me they I dont qualify and there was no such thing. I have screenshots of our emails and the promotion email. I opened multiple investigations with them and each time they denied me, or strung me along with " give us 1-2 more business days. ''

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 02-04-2016 about Consumer Loan (Installment loan) with Social Finance, Inc. (CA).
Issue: Taking out the loan or lease

Complaint: I applied and was approved for a loan from SoFi on XXXX XXXX. Signed and submitted the acceptance paperwork on XXXX XXXX. Since then, every employee has given me a different story on when the funds will be in my account. I 've been told on three different occasions the funds were ACH 'd into my account and would be available in a few business days. I was given other deadlines by two additional employees for when the funds would be available and those, too, have came and passed. The customer service representatives have no more information available to them than I do when viewing my application online, and I 'm being told that the fate of these funds is in the hands of a funding department that no one can contact, has access to, or has a phone number for. A supervisor was supposed to get me a transaction tracking number and call me back, she never did. I spoke with another supervisor who told me the funds were approved XXXX XXXX, and I have yet to see them. At this point I think I was the victim of a fraudulent scam aimed to obtain personally identifiable information from consumers. The interest rate on my acceptance paperwork is actually higher than what I was approved for, and that paperwork says I have a payment due on XXXX XXXX, even though I never received a dollar from this company. At the very least, this is an inefficient, misleading, and dishonest company who flat out lies to consumers. Worst case scenario, it 's a complete scam.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Debt collection (I do not know) with Creditors Collection Service (VA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Calling, several times a day and night. Calls going to voicemail for couple of minutes of silence. When call back no one will answer.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Debt collection (Medical debt) with Bull City Financial Solutions, Inc (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I am writing a second complaint against Bull City Financial. They have replied to my first complaint refusing to remove invalid information from my credit report. Today, in hopes of getting clarity, I spoke with the original creditors XXXX XXXX, XXXX XXXX billing department, as well as the state XXXX division in my area. I spoke with XXXX from the original creditor and according to the records, I was covered by XXXX during the time of service. The account was sent to Bull City due to the negligence of XXXX XXXX billing department and them not submitting a claim to XXXX. This information was verified by the hospital I XXXX at. Per XXXX in billing at XXXX XXXX XXXX, XXXX was active during my XXXX and they have billed for their services, the doctor failed to bill for his. XXXX with NC State XXXX XXXX office also verified there were no billing claims for this doctor 's office and that they have 365 days to enter a claim. XXXX with XXXX XXXX agreed that XXXX had not been properly billed and that I should not be billed for these services.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: For years I have been battling all three credit reporting agencies to have child support account deleted I do not owe child support ; this account does not belong to me and further more child support cases do not have contracts, amounts owed for services or product. I have written, called, email and went into child support office as well as all three credit bureaus to get this account removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2015 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (NJ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: On XXXX XXXX, 2015 I made arrangements to repay my wife 's debt to XXXX, XXXX, FL. The person I spoke to understood that the original debt to XXXX had fallen behind because my wife had become ill and the representative was sympathetic. I arranged to pay with a debit card with agreed XXXX payments over six months wherein I would call and make the payment. The XXXX payment was taken from my bank account on Monday XXXX XXXX, 2015. Despite this, XXXX called me and said that if I did not pre arrange the dates and allow them to automatically withdraw the amounts, they would continue to call me. I responded that this was not the arrangement which I had made with them and the supervisor said that she had no way of knowing what the representative had made with me. I spoke to her as the common liar that I found her to be. I intend to repay the debt. I sent them a written request on XXXX XXXX, 2015 to contact me only by mail.

Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2015 about Debt collection (Credit card) with Resurgent Capital Services L.P. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: LVNV/Resurgent is XXXX again continuing to violate the FDCPA requirements for validating the alleged debt ; the most important being the original alleged creditor 's contract with my signature ( or at least a certified copy of the original contract ( certified by the original creditor 's custodian of records ) ). My original Debt Validation Letter lists this request, as well as requests for a letter of assignment from the alleged original creditor ( evidence that the collection agency owns the alleged debt ) and the exact calculations supporting the alleged debt amount. Again, they continue to ignore these XXXX specific requests. LVNV/Resurgent lacks sufficient information and belief in order for me to admit or deny this alleged debt. 
In addition, LVNV/Resurgent fails to state a claim upon which relief may be granted and that their claims are barred by the doctrine of laches and the principle of waiver. Until LVNV/Resurgent provides the original alleged creditor 's contract with my signature ( or at least a certified copy of the original contract ( certified by the original creditor 's custodian of records ) ), their basis is on a contract that is an adhesion contract and a contract that is illusory and therefore unenforceable. And where is the calculation of interest? The calculation stated in their response is usurious or based on a rate that is greater than allowed by law. 

I respectfully ask LVNV/Resurgent XXXX again to provide the XXXX specific items noted in this response and again following : - the original alleged creditor 's contract with my signature ( or at least a certified copy of the original contract ( certified by the original creditor 's custodian of records ) ) - the letter of assignment from the alleged original creditor ( evidence that the collection agency owns the alleged debt ) - the exact calculations supporting the alleged debt amountIn closing, I would like to publicly invoke the Doctrine of Unclean Hands as LVNV/Resurgent acted in a dishonest or fraudulent matter with respect to the dispute at hand in this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 about Debt collection (Other debt) with National Credit Systems,Inc. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: National Credit systems are not compliant with my state laws which is the state of Florida. And because of this they can not collect in my state

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: While reviewing my recent credit report, I found several unauthorized inquiries as well as incorrect accounts. I sent a certified letter to Equifax, as well as submitted disputes online asking them to remove the inquiries and both verify and validate the accounts in question. Today I received a letter via mail, explaining that I did not need to give consent for inquiries to be given on my credit history. As these are inquiries that are not associated with any account, I do not agree that any company should be able to request my credit file without my written consent. They still have not provided validation or verification of the debts shown.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Equifax had deleted XXXX a long time ago and now it is back on my Credit Report. I have requested them to delete this from my Credit Report because according to Fair Debt Credit Practice Act, Statue of Limitation in N.C. to collect a debt for an open account in the State of N.C. is 3 years and these accounts are over 3 years old. I also requested them to delete XXXX as pertaining to the Fair Debt Credit Practice Act, because this is over 5 years old. XXXX. all 4 accounts in which 3 have been paid and these should be removed from Credit Report because I have a payment arrangement with XXXX which XXXX did not report. I have also requested them to delete University XXXX pertaining to the Fair Debt Credit Practice Act, this is over 4 years old. Thank you in advance for your help with these matters.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Dear Sir/Madame : I am a victim of the company Encore Capital XXXX XXXX XXXX XXXX and I do not know who I can talk to or what I should do. 
Last month my payroll dept garnish my pay because they had a copy of a court order stating I lost a lawsuit involving XXXX XXXX and this law case against me for over {$12000.00}. The court document had my name but my mother 's address XXXX. This judgement was date in XXXX. I had lived XXXX since XXXX until last year when I came XXXX to care for my terminally ill mother in XXXX. I have now taken a job XXXX but I know nothing about a judgment or that I was being sued in XXXX. I now learned that this judgement has been on my credit report all this time. I talked to XXXX XXXX and they have stopped the garnishment but will not tell me how this all happened or what my rights are. I called the law office XXXXbased Encore Capital Group and they only said that the bill is with XXXX XXXX. I have burial bills and so many other bills to pay off since I quit my job XXXX to come XXXX to help care for my mother! I can not go through being garnished again!!! and I do not even know why I was sued. I have had a XXXX XXXX credit card and money market account with XXXX for over 10 years. If XXXX XXXX wanted to sue me they had my address XXXX! And owing {$12000.00}. The credit limit on my XXXX XXXX credit card is about {$1200.00} not nothing close to {$12000.00}. Please tell me who I can talk to 1 ) TO MAKE SURE I DO NOT GET GARNISHED AGAIN ; 2 ) WHERE THIS JUDGMENT CAME FROM AND HOW TO FIGHT IT ; 3 ) HOW TO GET IT OFF MY CREDIT REPORT ; 4 ) Do I HAVE ANY RIGHTS IN THIS MATTER. Thank you for your time, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2016 about Payday loan () with CNG FINANCIAL CORPORATION (CA).
Issue: Charged fees or interest I didn't expect

Complaint: Retired military do not keep dental coverage so I had to resort to a ChecknGo Payday loan to finish my upper dental work and purchase my upper dental plate. The dental cost was {$2500.00}. When I went to pay off the {$2500.00} I borrowed, ChecknGo charged me and additional {$2500.00} in interest even though I had made more than {$1400.00} in payments. When I asked why my payments were n't applied the clerk told me that I had to pay interest first and none of that was applied to the principal. I am a XXXX XXXX living paycheck to paycheck and only used ChecknGo as a last resort because I had no upper teeth. ChecknGo are Paydayloan robbers.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There is an old fraud account from XXXX on my credit report being reported as a charge off. Experian refuses to remove the account even though it is inaccurate and I have supporting documentation. The account in question is part of a fraud case and to resolve the case chase and I agreed to settled. The account was should have been removed but Experian refuses keeps saying validated. I asked for information as to who or whom they validated and information they submitted but Experian has not sent me any information pertaining to that, but yet after a recent dispute Experian reopens the closed account and re-ages its. I have supporting document to show account was closed and paid.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2016 about Debt collection (I do not know) with PINNACLE RECOVERY, INC. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received this letter from this company demanding money. To my knowledge this company has never provided me service and nor have I ever agreed to pay for said services

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SANTANDER CONSUMER USA HOLDINGS INC. (VA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: The companies below ran my credit score without my permission and I want the problem to be fixed and the inquires to be taken off of my credit report ASAP. 

- XXXX XXXX on XXXX XXXX for auto finance - XXXX XXXX on XXXX XXXX for auto finance - XXXX XXXX on XXXX XXXX, XXXX for finance - XXXX XXXX XXXX in XXXX XXXX, XXXX for XXXX XXXX XXXX XXXX on XXXX XXXX, XXXX for finance - XXXX XXXX on XXXX XXXX, XXXX for auto finance - XXXX XXXX XXXX XXXX, XXXX for auto finance - XXXX XXXX XXXX XXXX, XXXX for auto finance - XXXX XXXX XXXX XXXX, XXXX for auto finance - XXXX XXXX XXXX XXXX, XXXX for auto finance

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2015 about Debt collection (Payday loan) with WORLD ACCEPTANCE CORPORATION (TN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Frequent calls from establishment to my personal phone, family, old work phone, and numbers outside of what was given to them in the written paperwork. Also has made calls outside of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2016 about Credit card () with PAYPAL HOLDINGS INC. (MD).
Issue: Billing disputes

Complaint: On XXXX XXXX, 2016, a fraudulent charged appeared on my Paypal account. I immediately contacted Paypal and disputed the charge a fraudulent. Paypal agreed to removed the charge. When my payment due date arrived I noticed the charge still on the account reached out to PayPal, tried to dispute the fraudulent charge and in direct voliation of the FCRA Paypal refused to allow the consumer to dispute said charge. Paypal directed the consumer to the vender XXXX. When I reached out to XXXX they also refused to allow the consumer to dispute fraudulent charges or provide proof the consumer placed charges on their Paypal account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12-11-2015 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I 've submitted multiple disputes to Equifax in regards to collection accounts that XXXX XXXX XXXX inserted into my credit report as credit tradelines. I provided documentation to Equifax on four different occasions and each time the accounts come back verified. I supplied Equifax a copy of their own documentation showing how a collection account should be reported and they still have not deleted the inaccurate information. XXXX XXXX purchased delinquent charged off credits cards and are now misrepresenting themselves as my original creditors which they are not. I have not other option but to file a complaint with the CFPB and the South Carolina Attorney General office.

Company response to consumer: Closed with explanation