milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-04-2015 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I mailed Central Financial a dispute letter XXXX XXXX, 2015 requesting validation of debt pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) In the letter I requested the following information : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; andProvide me with your license numbers and Registered Agent. 

I asked the office to provide me with debt verification within 30 days from the receipt of my letter or to cease all collection activity and remove all negative accounts from their office from my credit report. 

I received a letter from Central Financial Control dated XXXX XXXX, 2015 ( after the 30 day grace period ). In the letter, Central Financial requested a copy of my personal identification and Social Security card to assist them with completing their investigation. The letter also stated that if they did not receive the requested information, the account would be returned to the appropriate department for handling, including but not limited to active collections. 

I informed Central Financial that there is no Fair Debt Collection Practice which requires I furnish copies of my personal sensitive information to credit collection agencies. 

Central Financial continues to refuse to verify the dispute of the debt. 
I submitted a complaint to the XXXX and the complaint was closed and unresolved on XXXX/XXXX/15. 
I believe Central Financial is engaging in deceptive and illegal collection activities. Furthermore, Central Financial is not licensed to debt collect in the state I reside in ( Missouri ).

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Item should not be on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Trident Asset Management, L.L.C. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have sent Trident Asset Management XXXX requests for Validation of debt, which I have the right to do under the FDCPA. They have not replied at all to either of them. This is illegal. 

They are saying on the credit report that they are collecting on an old XXXX account. I believe that this account does not have any balance owed and should have been removed from my credit reports years ago. 

I need this off my credit reports as it is lowering my credit scores.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/29/2018 about Debt collection (I do not know) with First National Collection Bureau, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a letter from the First National Collection Bureau , Inc . The letter stated I owed a balance of {$880.00} that was turned over to them for collection. It stated the origal creditor was XXXX XXXX. The debt collector states in the letter they will accept a payment of {$350.00} to settle the debt. I tried to contact to the First National Collection via the number they provided on the letter. I called the number three times only to reach a XXXX cell phone recording!! I did not misdial the number as I checked it 3 times. The letter also contained a web address. I logged onto the site to try and recieve information about the so called debt. There was no information available, only payment options. I have never had an XXXX XXXX   account, I have never done business with XXXX XXXX ever. I called XXXX XXXX and spoke to a customer service representative. I gave her all my information and the last 4 digits of the account number that was in the letter. XXXX XXXX had no record of me, or any type of account linked to me. I know this to be correct as I have never done business with them. Also by coincidence I received a copy of my credit reports from XXXX and XXXX only two days before I got this letter. There is no delinquent accounts whatsoever and no accounts ever with XXXX XXXX. I am currently in the process of buying a new home so I requested my credit reports. Upon researching this company, First National Collection Bureau, I found that this is a scam and that they are known to send false letters requesting payments and debt collection. They have used such companies as XXXX XXXX XXXX, mortgage companies, XXXX XXXX, XXXX XXXX etc. the list is endless. They simply try to scam money. I will attach a copy of the letter also. I will try to contact this company again as I was unable to speak to anyone the last time I called. After logging into the website, the phone number started working and went to a recording stating it was First National Collection. I was not able to speak with anyone. Amazing how the number did not work until I accessed the website. I have never dealt with XXXX XXXX, they have no records of any accounts on my behalf. Please shut this scam down. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2015 about Mortgage (FHA mortgage) with M&T BANK CORPORATION (NY).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX 2010 I got a mortgage through M & T bank on a home thatneeded some repairs so I took extra money out to do repairs thebank told me it would make my loan go faster if I got a contractorsquote I asked them several times if I could still do the work myselfwith a contractors quote they told me yes well needless to say itdid not turn out that way after the closing I never received any of theextra money. I could not live in the home until these repairs wheredone and the bank knew this. XXXX years ago the bank tried toforeclose on me I got a lawyer and we went to court the judge toldM & T they had to redo my mortgage at the original purchase price. 
My lawyer sent M & T everything they needed to redo the loan. 
A month later my lawyer calls me and says M & T sent him a letterstating that they did n't get everything they needed but did not tellhim what we where missing when he called no one got back to him. 
Now I have to go through this again and I must say I 've had enoughM & T to this day has yet to send me a mortgage statement. Now theysold my mortgage to XXXX and I have called them and left messageand no one calls me back. 
I have e-mails from M & T about getting the extra money I borrowedI have XXXX that says they mailed my check out when I did n't receive itI called the lady and she told me that e-mail should of never went outif that 's the case why was it even typed up and sent. 
At this time I have no idea of where to turn. Although I am sure I shouldbe able to sue M & T for predatory lending.

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I continue to dispute an invalid lien labeled under ID # XXXX with Transunion. My initial dispute was of XXXX invalid and prematurely placed liens in the public records section of my file and one was removed but not the other. These liens have been removed as they were joint liens with another indiviual who has since cleared and removed them from his reports as well. Yet, TransUnion keeps denying me a proper investigation and the proof of verification which I requested via certified mail, such as the descriptions and the procedures used to verify the liens that have since been removed from my file at the clerks office. They deny me any documentation and though they have deleted XXXX lien they refuse to remove the XXXX invalid one. XXXX has already deleted XXXX liens because they are unverifiable and no longer on record at the county clerks recorders office. So how does Transunion have the ability or the evidence to keep this lien on file when I have informed them many times that it needs to be deleted from my file and the public records section of my credit report with them. Please, can the government assist me in holding them accountable for denying me my right to an accurate credit report and a proper investigation? Transunion continues to ignore my correspondences and refuses to provide me proof and yet they deleted the other lien and XXXX deleted both. It is very hurtful and I have to spend so much money fighting them on this invalid and unverifiable lien on my record while the other bureaus remove them without hesitation. Please help me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with WESTERN UNION COMPANY, THE (IN).
Issue: Fraud or scam

Complaint: I NEED WESTER UNION TO FURNISH ME ALL DOMESTIC AND INTERNATIONAL WIRE TRANSFERS FROM THE FOLLOWING NAMES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2015 about Credit card () with AMERICAN EXPRESS COMPANY (AE).
Issue: Billing disputes

Complaint: I purchased an airline ticket for XXXX in the amount of {$2100.00}. I was not allowed to board the plane to no fault of my own on the date of the trip. XXXX said I could use the ticket within a year. When I tried to use the ticket in XXXX, XXXX attempted to charge me an additional fee. I asked why this was the case and I was told they needed to research the situation and would get back with me but my seat was reserved and the price would not increase. I was never contacted after many attempts but I was emailed documentation showing I could bid to update this rain-check reservation trip into a business seat. I guessed the issue had been resolved but I had not contacted. When I tried to fly in XXXX I was again denied travel and I was given a vague response from the carrier as being confirmed but not reserved or vice versa. I had enough and I knew I had 6 months to open a dispute with American Express as I was getting nowhere with XXXX. I explained the situation in full to american express with documentation and I also explained that XXXX had been very unprofessional and unresponsive thus far and I would be surprised if American express would get anywhere as well with them in this matter. XXXX did not respond to AMEX and the credit card company proceeded to decline my dispute on these grounds alone. I immediately re disputed the charges with AMEX since the 6 month dispute window was close to having passed only to have them state that they may not succeed considering 6 months have now passed. My account has now been charged {$2100.00} for a ticket that was never honored to no fault of my own. I have also been told by AMEX to go back and try to talk to XXXX when they have had no success on XXXX separate occasions and I have had no success in doing so for months. I want a full refund. I will not be billed for a trip I did not receive when I have done nothing wrong.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: This is in regards to the recent Equifax data breach. Equifax has indicated my personal information was likely stolen. Given the amount of highly personal information Equifax has about me, I 'm now at a great risk for personal identity theft, and will have to take many additional measures to safeguard my identify, all of which are not full-proof given that they can be circumvented with the very same info that was stolen. Equifax, while a victim themselves, must take action to assist me, and many others in securing our identify once again.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX card placed a hard Inquiry to Equifax without my knowledge or authorization on XXXX XXXX 2016. 

I have done everything XXXX has asked me to do as they have admitted they have no knowledge why I have an Inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Account opening, closing, or management

Complaint: There was identity theft used to open an account with fraudulent activity causing all of my Chase Accounts to be closed and my personal file to be hotlisted. I filed a claim to prove it with their department in which they sent me an unsigned confirmation letter that my claim was true, they still refuse to remove me off of the hotfile. They will not participate with the branch to the point that one department denied the letter was sent or issued while another department stated it was sent but not signed as was their protocol. At this point Chase has not acted in good faith. Despite being found innocent.

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2017 about Debt collection (Other debt) with National Credit Adjusters, LLC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I found this debt listed on credit report, therefore I sent a dispute letter in accordance of FDCPA and Texas Debt Collection Act on XX/XX/XXXX ( attached ). On XX/XX/XXXX I received this response ( attached ), requesting more time. National Credit Adjusters continues to report this debt on my credit reports so I have disputed to the bureaus as well, according to FCRA. They are violating FDCPA, Texas Debt Collection Act, and FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2018 about Checking or savings account (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (OH).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: I have a checking account with USAA Savings Bank. There were a number of fraudulent charges on my checking account. All of which were done at various gas stations. once I discovered the charges I disputed them and receive a credit on my account for the charges, the amounts were {$91.00}, {$87.00}, {$74.00}, {$72.00}, {$69.00}, {$62.00}, {$60.00}, {$57.00}, {$32.00} and a {$29.00} NSF fee. All of those charges were made at gas stations. The credit for those charges was received on XX/XX/XXXX. The take back occurred on XX/XX/XXXX in the amount of {$360.00}. I received no explanation of why this occurred nor did I receive any information on where the amount came from. and as of today XX/XX/XXXX I still have no explanation of this debit take back. I explained to the representative that my vehicle only holds 12 gallons of gas and I do not use premium fuel, there is no way that my car will hold that much fuel. My issue with the bank is that no one can explain to my why this money was taken and they just keep telling me to allow two days. I have called them 5 times at this point and there is no resolution yet. They also have not given any valid reason for them to be taking money from my account either.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2015 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (IA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I got behind on my credit card and they call me up to 10 times a day even on Sundays. I told them to send me their information so I could send them a letter not to call me more than three times a day. I did not receive that information they continue to call me 10 times a day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/29/2016 about Debt collection (I do not know) with Southwest Credit Systems, L.P. (AK).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Call asking for XXXX XXXX. 

Calls to a phone number NOT associated with XXXX XXXX. 

Calls to the phone number NOT associated with any debt for MORE THAN XXXX days. 

Calls asking for XXXX XXXX to a phone number unassociated with XXXX XXXX for MORE THAN XXXX days.

Company response to consumer: Closed
Consumer complaint received 03-11-2017 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: This account below should be deleted from credit report. The first one is a public record that has been deleted by both XXXX and XXXX. The second account is not mines. 

1. 
Reference Number XXXX Court Date Status Amount {$1400.00} Classification Type legalitems 2. XXXX Other XX/XX/2011 Closed 1 Missed Payment {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2017 about Debt collection (Payday loan debt) with GVA Holdings, LLC (MA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I took out a payday loan a couple years ago. I fell behind or changed banks and missed a payment. Last year, I was contacted by letter or call to pay off {$210.00} to close the case. I paid that debt and even received a letter from North Cash in  XXXX   XXXX  to say they received my payment and case is closed. Now a year later, i have been getting emails starting on  XXXX / XXXX / XXXX  to settle the account. I have emailed to say account is swttled since last year and even gave date and check number ... Last thursday  XXXX   XXXX , I spoke with someone after getting voicemail about debt.. The guy said he was referring the case to supervisor and wanted me to fax over the letter. I said no as it should be in the file since it was their letterhead. I told him that they were harassing me for debt which was paid and if they contacted me again, I will file a formal complaint as I no longer owe the debt for a bout one year.

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On  XXXX / XXXX /  XXXX  ,  XXXX  inquiries I did not initiate.    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX    XXXX  remove from my report at all   XXXX   credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Debt collection (Other debt) with ERC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: To CFPB, I am filing this complaint against XXXX XXXX who recently placed on my credit report an account that is fraudulent, they are reporting that I owe XXXX XXXX ( formally XXXX XXXX ) {$640.00} How crazy does things get? I owe XXXX NOTHING!! This collection agency just caused my credit score to go down because of this fraud that is being reported by XXXX XXXX therefore, I am requesting that CFPB investigate and fine XXXX XXXX XXXX XXXX XXXX dollars for their fraudulent activity. 
Further, when I contacted XXXX this morning about this fraudulent activity by XXXX XXXX they were stunned that anyone would pull such a stunt on some one with such a good paying record with them and instructed me to upload to you, CFPB a copy of my bill which clearly shows I owe NOTHING and am current. 
I will now upload that document to you so you can see for yourself that what XXXX XXXX has done is both illegal, slander, fraudulent, nonsensical, and defamation of my character and they need to be punished for this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2015 about Mortgage (FHA mortgage) with PNC Bank N.A. (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: My realtor has initiated a short sale with PNC in XXXX of 2015. Each time she and I have spoken to PNC we have both been given incorrect information pertaining to my loan. She has faxed to over XXXX pieces of requested documentation repeatedly and has been told the file would be submitted for short sale process. She had names, dates, and information logged for each phone call made. PNC did not even have my correct phone number, email, nor bank info which was provided numerous times. Their response is always " we attempted to contact you '' knowing the number was incorrect and continuing to call an incorrect number they had on file. Now I am being told I am eligible for a repayment/loan modification plan which does not make sense as my financial info was submitted ( again numerous times ) and the calculations they are using are not accurate nor correct. They have offered to reduce the monthly mortgage payment from {$2300.00} to {$2000.00} which again I am not able to afford this payment as I am the only individual currently residing in the property with reduced income by more than XXXX %. I am totally frustrated over the lack of communication and disorganization with the reps, team leaders, and supervisors on the phone. They can not even record the phone calls made which my realtor has logged which is telling me they do not keep accurate records and are providing inaccurate info to me. The team leader I spoke to today by the name of XXXX and also the rep by the name of XXXX XXXX ID XXXX both stated the info was not logged and a supervisor would have to pull the conversations and listen to them to verify what was said. At this time, there is a sale date set for XXXX XXXX, 2015 which I was told would be postponed until the offer letter expires on XXXX XXXX. I have no intentions nor can I financially keep this property and therefore have no other option but to pursue a short sale. My next phone call is to HUD which they advised me to contact to further investigate my file regarding pursuing a short sale. I 'm sure I am not the only account holder experiencing issues similar to this with PNC. They are once again the main reason why this file has been delayed since initiation back in XXXX as each time the info relayed is either incorrect or not relayed to where there is an understanding on both sides. Please begin the investigation asap and if need be I can provide updated financial info or whatever necessary documents required on my behalf. Thank you in advance for your time.

Company response to consumer: Closed with explanation