milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/28/2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (OR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I received a letter from Portfolio Recovery Associates LLC today on XXXX XXXX XXXX about a debt they purchased in XXXX. I paid the amount owed back in XXXX to clear the debt. The other problem is that had I not paid the debt is that the statute of limitations ran out in XXXX. 
They state in the letter " Because of the age of your debt, we will not sue you for it and we will not report it to any credit reporting agency. '' If I receive another letter from them can I take them to court?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/20/2015 about Debt collection (Payday loan) with Glass Mountain Capital, LLC (LA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I received a call from someone named XXXX claiming to be from Glass Mountain Capital. He refused to provide his last name or the company 's address. He put me on hold saying he was going to transfer me to his supervisor. The line was then answered by XXXX XXXX. He provided their address of XXXX XXXX XXXX, XXXX, IL XXXX. He asked if I still resided as an address on XXXX XXXX XXXX in XXXX XXXX ( I can not recall the exact address information he gave me ). I stated that that was an extremely old address that I had n't lived at in a very long time. I provided my current address and requested that they send me validation of the debt. He stated that letters had already gone out, and that he would send one to my new address. I asked him how soon I could expect the letter, and he refused to provide an estimate on how long it would take to be sent out. I told him that I would give them seven days to provide validation of the debt or else I would file a report with the CFPB. It has been seven days, and I have not received anything from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: Submitted dispute regarding missing mortgage payment on my credit report. ( Transunion ) on XXXX/XXXX/XXXX. I submitted additional information that was requested on XXXX/XXXX/XXXX. I received a letter stating that the investigation would be completed on or before XXXX/XXXX/XXXX. I still have not received results of this dispute, as of XXXX/XXXX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2017 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (LA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: XXXX XXXX XXXX XXXX sent me a letter on behalf of XXXX XXXX XXXX original creditor is capitol one ending in XXXX ref number XXXX total due is XXXX. this is not my account nor did I ropen this account ever in my lifetime,. It is n't on my credit report nor has it ever been listed in my credit report ever. they can be reached at XXXX XXXX XXXX. they do n't want to XXXX me all the want is my XXXX XXXX XXXX XXXX XXXX XXXX money. XXXX them I do n't owe them. They have a very poor rating as a scam company after researching on google. this is the XXXX letter I have received from them in XXXX years .. I would like it if you can help me purge myself of these insidious predators. working in a bolier room to steal mine and others money.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Mortgage (Conventional home mortgage) with U.S. BANCORP (WA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I had been working with XXXX XXXX, a representative for US Bank in assuming a mortgage shared by myself and my ex-husband. On XX/XX/XXXX, my ex-husband advised me that someone from US Bank shared my income information with him. Per my request XXXX explored the situation further and advised me that it was my ex-husband who shared that information with the bank. To my knowledge it is not possible that he could have obtained the information. I believe this was a breach on the part of US Bank. I received no response when I asked XXXX to look into the matter further.

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 01/18/2017 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Equifax is reporting an account for XXXX XXXX that was discharged in my Chapter XXXX Bankruptcy XX/XX/2003. The account is over 7 years and in violation of FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (CA).
Issue: Taking out the loan or lease

Complaint: On XXXX/XXXX/XXXX my son went to XXXX and traded in his XXXX XXXX XXXX, and was financed a XXXX XXXX XXXX, they over charged him and his interest rate was 25 %. I thought that was way too high and illegal. His car note is {$430.00} monthly. He ca n't get out of this car because everyone is telling him he is upside down, now this is why I am contacting you because of the issues we are having with this car, and we also tried to refinance, but our credit union will not do it. I feel that XXXX seen my son as a young XXXX year old coming in there and they went to work on him, they gave him a high interest rate, and now he is stuck with high monthly payments for the next 72 months. Please help my son with whatever can be done. I do n't feel good about this at all, I really think XXXX just was looking for a commission and not helping him at all, nor was they at all in his best interest. He is a first time buyer ( being finance ) his credit is good.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Debt collection (Medical debt) with Profit Services Group (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I was called and told about sums owed. I stated I had not recieved bills but would be happy to take care of it if I could see paperwork and verify I owed it. He said that I could not get any type of verification that wasnt his job. He then started asking about my husbands employer. He then said I had to pay within 2 days. I said it wasnt possible without reviewing said bills. He then said he would contact the dr to tell them I refused payment and to seek legal action against me. Then he hung up on me. I called back and ask for a supervisor two times and they refused me and Said there were none.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2017 about Bank account or service (Checking account) with ZENCO COLLECTION, LLC (SC).
Issue: Deposits and withdrawals

Complaint: ZENCO Collections deducted funds from my account without proper authorization. ZENCO called my home to collect a 30 year old credit card debt from my wife. They threatened to put a levy against our home ( illegal given statute of limitations, and consumer protection laws ), and subsequently tried to send my wife to finance department to authorize deduction from account. However, ZENCO stated they also needed my authorization ( husband ). When my wife called I instructed her to hang up. Next they sent a document to e-sign, neither of us signed it. However, they fraudulently deducted {$2100.00} from my account. I called the bank and had it reversed as fraud. I am now receiving ongoing threatening phone calls of them reporting transaction the state AG. I am now seeking legal advice as to my options for actions against ZENCO. However, I want this recorded with CFPB to help others and my good faith effort to resolve before I seek escalation of this matter to other available sources.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed
Consumer complaint received 03/25/2016 about Prepaid card (General purpose card) with U.S. BANCORP (CA).
Issue: Unauthorized transactions/trans. issues

Complaint: I purchased a XXXX gift card from XXXX for {$500.00} - I was unable to use it and I called the number on the back of the card and they said that it was not activated. The gift card representative told me to fax information on the front and back of the card, as well as any receipts. I faxed this information to the gift card company on XXXX. This morning, on XXXX, I logged onto the gift card management website at XXXX and found that all of the funds from the gift card have been used with the following retailer : PURCHASE XXXX XXXX # XXXX XXXX CA XXXX ''. I did not make this purchase - I would like to obtain some kind of refund of the {$500.00}.

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 05/26/2015 about Debt collection (Medical) with Gragil Associates, Inc. (MA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I was contacted by Gragil Associates about a medical debt, and I sent a request for validation in accordance with XXXX. Validation of debts [ 15 USC 1692g ]. and they received that letter on XXXX/XXXX/15. I received another collection letter without any reply to my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2016 about Debt collection (Medical) with CREDICO. INC (SD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My ex-wife by court order is required to pay the debt. The XXXX XXXX XXXX is trying to collect from me. Also, the only person that XXXX XXXX attacks with lawsuits is my and never my ex-wife. I feel that I am being attacked and being harassed by this company. I have expressed to them and provided proof of the court order to XXXX XXXX XXXX. In addition I have asked them to not contact me at my place of employment and they continue to call me at my office.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2017 about Debt collection (Credit card) with SIMM Associates, Inc. (NH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Calling me at work. These calls are not allowed and they will not stop. Use fake names.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (VA).
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: The Office of the XXXX XXXX XXXX XXXX XXXX. XXXX XXXX http : //www.belvoir.army.mil/osja/ ) referred me to your office for help regarding the following situation. 

Capital one is manually charging my credit card account for products I do not have, and services I did not receive. The merchant XXXX XXXX has their products, and did not provide any services. 

So far the bank have manually charged the credit card account {$2300.00}. The dates of the manually transactions are XXXX XXXX, XXXX XXXX, and XXXX XXXX. Every time I called the bank for the past weeks regarding these transactions, I was placed on hold and was transferred between the fraud and disputes departments for almost an hour with no one able to help. Every time each department gave me the following information. 

The dispute department said that the manual charges dont make sense and there are no notes or reasons on the account regarding these charges. But there is nothing they can do at this time so I need to talk to the fraud department. Consequently, they transferred me to the fraud department. 

Then the fraud department told me that they dont understand what is going on with the account and that they dont see any reasons for the manually charges. But, the only person that can help me is not available they will have that person call me soon. 

Every time it is the same process and explanations. 

Last time I talked to a representative that identified himself as XXXX XXXX on XXXX XXXX, XXXX at the fraud department, he told me that the name of the representative that was manually charging my account was XXXX XXXX, and that he sent her an email to contact me regarding the manual transactions on the account. Unfortunately, it has been days and weeks and I have not received any correspondences or phone call from Capital One about those charges. 

As an XXXX XXXX XXXX of the XXXX XXXX XXXXy, I work hard every day proudly serving my country. Sometimes I dont see my kids for days. I do not have money to give out for free, and I do not have the time or resources to resolve this issue on my own. 

So please help me. 

Thank you so much for your help, your expertise, and understanding in helping me to get my hard-earned money back. 

Thanks and Regards.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2017 about Debt collection (I do not know) with Law Offices of Robert J. Colclough, III (NC).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I do n't think I chose the correct issue above, however I think it is closest to my issue. I have a record on my credit report that I have disputed through both the company and the credit bureaus. The dispute is marked as being disputed by me on my report, but it was not removed despite the creditor not sending me verification of this debt. I do not even know what this debt is for. I have tried contacting the collection agency by mail to obtain verification with no response and they will not remove the item from my report.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-09-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Weltman, Weinberg & Reis Co., L.P.A. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The city of XXXX, Ohio has now sent a collection amount to debt collection attorneys Weltman , Weinberg & Reis XXXX XXXX XXXX XXXX XXXX for a debt proven through bankruptcy lawyers that I do not owe. I lived in the city of XXXX from XX/XX/XXXX-XX/XX/XXXX in which they are stating I owe taxes for XX/XX/XXXX-XX/XX/XXXX in which those years I resided in XXXX, Ohio. The attorney office at the time which was XX/XX/XXXX sent proof of address to the city of XXXX to verify I only resided there for one year. I was evicted out of the place I resided at in XXXX and move back to XXXX. The city of XXXX prove my residence by sending statements to all XXXX addresses. So not only did the attorneys supply proof but also the city of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
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 have multiple accounts on my credit report that are closed and have been sold. I know this because the debt have been in my debt collection or are still. I 've been trying to get the original debt removed so it does n't look like I have double the serious delinquency or derogatory indicator. The Credit bureaus keep coming back with the account verified account sold but refuse to remove them since they 've been sold. 
Accounts XXXX XXXX XXXX XXXX I also have accounts that were paid before being sent to collection and now sitting on my credit report and the credit bureau refuses to remove them keeps coming back with verified account paid before collection. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX  I also have multiple hard inquiries that were unauthorized and the credit bureau keeps coming back with they are factual and that I need to call the original creditor when have called the creditor is unaware of the hard inquiry and says there nothing they can do about something they have no knowledge of. 

Inquiries 1 ) XXXX XXXX XXXX XXXX 2 ) XXXX XXXX XXXX XXXX XXXX 3 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 4 XXXX XXXX XXXX XXXX XXXX XXXX 6 ) XXXX XXXX XXXX XXXX XXXX 7 XXXX XXXX XXXX XXXX XXXX XXXX 8 ) XXXX XXXX XXXX XXXX XXXX 9 ) XXXX XXXX XXXX XXXX XXXX 10 ) XXXX XXXX XXXX XXXX XXXX 11 ) XXXX XXXX XXXX 12 ) XXXX XXXX XXXX XXXX 13 ) XXXX XXXX XXXX XXXX 14 ) XXXX XXXX XXXX XXXX 15 ) XXXX XXXX XXXX XXXX 16 ) XXXX XXXX XXXX XXXX 17 ) XXXX XXXX XXXX XXXX XXXX XXXX 18 ) XXXX XXXX XXXX XXXX 19 ) XXXX XXXX XXXX XXXX 20 ) XXXX XXXX XXXX ) 21 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2017 about Debt collection (Other debt) with Consumer Recovery Solutions, LLC (OR).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: I received a message last on XX/XX/XXXX or XXXX XXXX 2017 and could not understand what the woman was saying, but it sounded very serious, so I did what I could to call back. I finally got through after five repeated tries, without being able to leave a message and spoke with a woman named XXXX XXXX XXXX. She explained to me that her law firm was going to sue me if I did n't pay almost 800 dollars from over 10 years ago. I explained to her that it 's been way too long, and that there 's no way I owe that much. It was from when I was XXXX and opened up a XXXX XXXX checking account. I got hit with some overdraft fees that I could n't pay, so the account closed and went to collections. Scared that I was going to be sued, before reading about the NFCPA and all my rights, I reluctantly agreed over the phone to set up a payment plan that was completely unreasonable at XXXX dollars every two weeks. She urged me to sign the documents they emailed right away, which I did not. I tried to call back but could n't get through until the following Monday when I realized they went ahead and charged my bank the first XXXX dollars even though I never signed and planned to arrange another way of dealing with this. The company is Consumer Recovery Solutions and I was billed through XXXX XXXX.

Company response to consumer: Untimely response
Consumer complaint received 12-01-2015 about Student loan (Non-federal student loan) with DISCOVER BANK (IL).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I graduated from XXXX University in XXXX this past summer and my student loans have come into repayment. I was able to find a full time position, outside of my field of study making $ XXXX a year. My Discover private student loan principal is $ XXXX making the payments on those alone over {$1700.00} a month. I am currently on the reduced payment plan but it only lasts 6 months, after this period defaulting looks like it could be my only option. Thus far, Discover Student Loans has been ridged and unwilling to offer any sort of long term solutions to make repayment of the loan affordable.

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2016 about Credit card () with WELLS FARGO & COMPANY (FL).
Issue: Transaction issue

Complaint: I saw a {$630.00} on my wells Fargo visa card XXXX 2016 the company called USA seats is a company that sells tickets to different events, I 'm XXXX years old XXXX kids XXXX is a toddler and my wife is not working, Called the company and they said that the purchase was made by a third party and unfortunately there is nothing they can do. Call Wells Fargo and open a claim, after a week I see the money charged again in my credit card call again that night and the phone was hung on me 3 times, I call next day and the person on the phone told me my claim was denied because the company had all my info on file like my address ... really??? There is so many ways fraudster can have access to that. I been with this bank so many years, had loans that are been correctly pay off with them, had accounts always in good standing even a minors account. Always paid on time and my direct deposit is decent and the amount of money I have there is enough to tell them that I do n't need to do that. The ticket the fraudster bought was for XXXX XXXX in a Saturday on a casino that crazy, if anybody check my credit cards over the years and my statements will rapidly understand I never did such a purchase specially now.

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 01/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Good afternoon, I am making a dispute against XXXX XXXX, Bank of America Credit Card and XXXX XXXX XXXX XXXX XXXX for making a hard inquiry against my credit report. I believe I was sent a pre-approval offer letter from XXXX to me in the mail and was told that ANY pre-approved offers should be reported as a soft inquiry. 

However, there was nothing soft about this inquiry. This hard inquiry, along with a few others, has in fact ravaged my credit score, causing my credit score to plummet from a XXXX excellent score to a XXXX. Being that I was considering of getting a mortgage loan in a few months, these hard inquiries will not look good to bank and other lenders.

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 05/24/2016 about Debt collection (Medical) with AMERICAN ADJUSTMENT BUREAU,INC. (FL).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: I was residing in Connecticut at the time of the incident in which I was hospitalized. And so now I reside in a different state I lost track of that account I would like to resolve this issue.

Company response to consumer: Closed with explanation