milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/19/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: On XXXX XXXX, XX/XX/2015 I filed a complaint with CFBP ( Claim No. XXXX ) against Enhanced Recovery XXXX and another XXXX on XXXX XXXX, XX/XX/2015 ( Claim No. XXXX ) Which claim to collect a debt for XXXX XXXX CompanyAfter contacting XXXX parties and requesting for additional related documentation materials associated with this account from XXXX XXXX that would help to substantiate such claim XXXX parties have failed to provide me with the documentation til this date. I have request the following Documents such as ; Billing Statements, Payment History, Contract agreements and have never received them. In order to resolve this issue Enhanced Recovery XXXX made the following statement in their last response to CFPB : In an effort to resolve XXXX XXXX ' concerns, our agency has submitted a deletion request with all credit reporting agencies associated with the account and our office on XXXX XXXX, XX/XX/2015. Please allow up to 30 days for the credit reporting agencies to process our request. Our agency will have no further contact with XXXX XXXX regarding this account. In order to make our client aware of XXXX XXXX ' concerns, our agency will forward this complaint to our client XXXX XXXX. 

Since that time Enhanced Recovery XXXX have Submitted the deletion request to the following Credit Bureau 's ; XXXX and XXXX but have failed to submit the request to XXXX and the negative Collection account still remains on my credit file with this Bureau. 

Enhanced Recovery XXXX needs to follow through with their promises and also request the deletion with Experain as well.This account does not belongs to me. I have not, and never have had an account with XXXX XXXX Company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-12-2015 about Credit card () with DISCOVER BANK (MS).
Issue: Closing/Cancelling account

Complaint: I was a Discover holder from XX/XX/XXXX to XX/XX/XXXX. For those XXXX years, I was never delinquent with or missed a payment. Today, XX/XX/XXXX, I am trying to increase my credit score, so I 'm investigating my credit with the XXXX major credit companies, XXXX, XXXX, and XXXX. On all XXXX of my credit reports, Discover is still reported as open, which means my line of credit is larger than what it is and that line of credit has been dormant for over three years. Based on the recommendation of the credit bureau, I called Discover to either reissue a card or report the account as closed. Using my social security number, they can not pull up any information on me. They claim that they retain users history for seven years, but can not do anything to help because there is no account information related to my social security number. Not only will they refuse to report that there is no account information associated with me to the credit bureau, but they were extremely rude and disrespectful on the phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/20/2016 about Debt collection (Mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XXXX XXXX, XXXX, Bank of America 's agent foreclosed on my house. After the completed foreclosure sale, the substitute trustee executed a trustee 's deed to the XXXX XXXX XXXX XXXX XXXX. XXXX filed an eviction suit and was awarded Judgment of Possession. 

On XXXX XXXX, XXXX, I filed a lawsuit to stop a post-foreclosure wrongful eviction. This lawsuit XXXX is currently pending in the XXXX XXXX XXXX XXXX XXXX because the Defendants ( XXXX and Bank of America ) was granted leave to file an answer to the complaint more than two years late. 

On XXXX XXXX, XXXX, Bank of America and XXXX filed a late answer to the lawsuit and included the following affirmative defense : XXXX. Should Plaintiff be awarded any damages, Defendants are entitled to offset and recoupment in the amount the funds due and owing at the time of the foreclosure sale plus reasonable market value rent from the date of foreclosure until the service release of the loan to non-party XXXX. 

As per the aforementioned defense, XXXX predecessor, Bank of America, is asking for rent after the foreclosure sale on XXXX XXXX, XXXX in their answer. However, XXXX contends I owe them more than {$110000.00} for the same loan their predecessor foreclosed on. I have not executed any loan agreements to Bank of America or XXXX since the foreclosure sale on XXXX XXXX, XXXX. 

XXXX is reporting this fraudulent, incorrect, and false information to a third party, the credit bureaus ( XXXX. ) Bank of America is claiming the house was foreclosed and they are seeking rent post foreclosure. 

XXXX is claiming I contractually owe them from XXXX XXXX. 

To add on, XXXX is reporting to XXXX that the loan is a contested foreclosure. 

XXXX is reporting contradictory and false information to XXXX the credit bureaus, and me. 

XXXX has not been able to validate their debt collection activity. 

Bank of America and XXXX are colluding and harassing me to collect a loan that was satisfied from foreclosure proceeds four years ago. 

I will be filing this complaint with the XXXX, XXXX XXXX XXXX XXXX ; since my loan was XXXX insured loan. 


I 've included the following documents to substantiate my claims : 1. The Defendants ' Late Answer excerpts XXXX XXXX. XXXX ) 2. The most recent docket entry of the pending lawsuit, XXXX. XXXX ; Order Continuing Stay dated XXXX XXXX, XXXX These are records that are documented in the Federal Court that are undisputed.

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 07/31/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: 1. Capital One has yet to pay me for unnecessary time spent on their issues with my accounts. Bill enclosed. 2. Capital One owes me {$24.00} in over payment on account ending in XXXX. 3. Capital One has not fixed their issues with my online account, not showing account ending in XXXX. 4. This is my last attempt at mediation.

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Real Time Resolutions, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: We have hired an attorney on XXXX XXXX to assist us in contacting Real Time Resolutions. As of XXXX/XXXX/XXXX Real Time Resolutions has not responded to any emails, phone calls or letters in regards to our closed account with them. 

The account was in relation to a mortgage loan associated with our XXXX home XXXX XXXX XXXX. 
Effective XXXX XXXX we no longer carried a mortgage on the home, as we voluntarily agreed to a forclosure. The original mortgage was an XXXX carried by XXXX XXXX XXXX XXXX. 
Not until after XXXX XXXX were we informed that we had a collections account active from Real Time Resolutions for the unsatisfied amount of the Home loan. 

Real Time Resolutions took the debt over after the sale of the forclosure to collect on the unsatisfied amount ( XXXX % ) which after the sale is considered an unsecured loan. 

Payment arrangement have never been made between us and real time resolutions at any time. We contacted them in XXXX XXXX and agreed on a settlement amount to close the collections account. It was then that we realized they have been reporting to the credit bureaus as late for every month up to XXXX XXXX as being XXXX days late. 
An earlier credit report shows a the correct labeling of the collection, but also reflects the incorrect late pay reportings. 
As of today in an attempt to be pre approved for a home loan we have been notified that the label of the account has recently changed to as a " mortgage account ''. 

We brought the matter to our current attorney, and he has informed us that the account has been mislabeled and should be labeled as an unsecured installment loan. We have been attempting to contact them since XXXX XXXX, XXXX at first for the incorrect reporting of late payments and now we are also facing an incorrect labeling of the account. 

Attached you will find the letter showing the settlement paid to Real Time Resolution, and County court docs supporting the sale of the home we no longer owned effective XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2017 about Consumer Loan (Installment loan) with Enova International, Inc. (CA).
Issue: Managing the loan or lease

Complaint: On XX/XX/XXXX I took out an installment loan with CashNet USAfor XXXX. This was done over the internet. Payments would be XXXX a month x XXXX payments @ 189 percent. They never sent me a visible contract only partial. The women I spoke to there said the loan could be paid off sooner. The contract was not forthright nor visible. 
One month later XXXX was due on XXXX/XXXX/2017, electronically, which was paid. However, they later demanded payment every 2 weeks. The first payment went all to interest and XXXX to principle. Next payment before due contacted 5 times before due date, harassing me. 

Even though I had not defaulted they were always threatening me. I look them up on their website, and found CashnetUSA is not licensed for installment Loans in California, only payday loans. My agreement with them was an installment loan.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I recently saw an article about how the CFPB fined the XXXX major Credit Bureaus. The article encouraged consumers file complaints if they have any. 
I am writing this letter to file a complaint against XXXX regarding a request I made to investigate my consumer file. I believe that my Identity has been stolen because I am having a lot of issues retrieving any Credit information such has Credit Reports and Credit Score from all XXXX Credit Bureaus. 
When companies are processing my applications for a credit card or a loan they are informing me that no credit history exist for me or that I have delinquent accounts. When I log into XXXX XXXX a message appears that my credit information does not exist and that I have to mail or fax in copies of documents so that they can review it. I have submitted copies of the following documents ( Birth Certificate, Social Security Card, Birth Certificate, Florida Driver 's License, XXXX Statement ) to XXXX and to XXXX numerous times for their review and to this day still no response. 
XX/XX/2015 I was approved for a Car Loan and purchased a car which I have been faithfully paying on time. I also was approved for a XXXX XXXX and been faithfully paying that account on time as well. By now having those XXXX accounts should have helped restore my credit history and generate a Credit or FICO score for me.

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 01/22/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have had an ongoing dispute with Navient for more than 2.5 years and have filed numerous CFPB complaints and a complaint with the XXXX. There are 2 private loans that originated with XXXX prior to the incorporation of Navient in XX/XX/2010 that did not require payment until my commencement at XXXX. Due to unforeseeable circumstances I was short the necessary credits to graduate and the college recommended I take a XXXX course. Unbeknownst to the administration, they failed to provide an academic accommodation and incorrectly reporting my enrollment status to the XXXX. This led all my loans, including those with XXXX to go into immediate repayment without my knowledge while I was still enrolled in school. We were never alerted to the schools error and the fact no grace period was ever extended. XXXX harassed me and my extended family demanding repayment without explanation. XXXX only called to discuss repayment for federal student loan. My father made a payment on my behalf for the federal student loans. These funds were misapplied by XXXX to private loans instead. After payments were made these private loans immediately went into default without my knowledge. Through research we discovered the enrollment reporting issue made by XXXX that caused these private loans to go into immediate repayment and default. Navient refuses to accept or acknowledge information provided by the college itself that would declare me half time or more enrolled during the semester that the loans went into repayment. Navient also fails to acknowledge my correct commencement date. They refuse to acknowledge these corrections which would remove the defaults from my credit report. Navient has not offered any support or resources to resolve the issue. They recently resold these loans to a different collection agency XXXX which have contacted family members at phone numbers that have never been provided to Navient, disclosing private financial information to family members that are not cosigners on any of these loans. XXXX attempted to harass and deceive these family member to provide private information by calling from various local numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have been requesting verification of the following account that TransUnion continues to report on my credit file : XXXX Bankruptcy # XXXX. 

I demand that this public record XXXX Bankruptcy # XXXX is removed due to lack of verification and inaccurate reporting of verification date! 

I have repeatedly requested tangible documentation whether electronically or hard copies and TransUnion has yet to verify. All they send is Verified on my report but do n't list any names or address on how this is verified. I demand that this unverified account : XXXX Bankruptcy # XXXX is PERMANENTLY DELETED FROM MY CREDIT FILE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2015 about Bank account or service (Checking account) with U.S. BANCORP (NV).
Issue: Deposits and withdrawals

Complaint: The US Bank cancelled my Checking Account 's Overdraft Coverage without Notice because according to US Bank Manager, XXXX XXXX XXXX, XXXX XXXX XXXX, the US Bank knew that I could have changed my direct deposit funds electronically to another Bank .Additionally, Manager XXXX XXXX stated another reason for the Cancellation. He stated that the US bank letter dated XXXX/XXXX/15 was " computer made '' due to the XXXX " cycle '' and He did not have any responsibility to seek an immediate solution. Because of the US Bank decision to Cancel my Checking Account 's Overdraft Coverage It cost me XXXX minutes of cellular telephone minutes, {$30.00} dollars additionally minutes to keep my phone active and severe emotional stress harmful for my well being. As of Today, the US Bank FAILED to clearly explained their motives for the cancellation of the agreement while kept collecting all overdraft fees of {$36.00} per overdraft and {$25.00} weekly fees. 
Worst yet, the US bank 's Customer Services representatives including XXXX XXXX XXXX XXXX XXXX XXXX did not have knowledge on how to resolve this Cancellation knowing that the US Bank collected all fees, that the Overdrawn amount was secure by an electronic direct deposit scheduled for XXXX/XXXX/15 of {$1500.00} that covers the amount of {$720.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (IL).
Issue: Money was not available when promised

Complaint: OnXX/XX/XXXXat XXXX XXXX  CST I went to XXXX XXXX XXXX and was assisted in sending a Bank Wire of {$11000.00} to XXXX ( Coinbase ). All Bank Wire steps were followed correctly and money was supposed to be available for use in XXXX that day. I did not receive it that day or that week. I went back to XXXX XXXX XXXX onXX/XX/XXXX and was given a printout of the send confirmation. The bank stated that they will send a request to receive confirmation from XXXX XXXX XXXX ( their bank ) that they indeed received the Wire. They have not responded. I contacted XXXX over the phone and explained the situation and was told that this would be forwarded to the applicable department and got a case number. Since then I have not heard anything. I have sent an email asking for a status update of my case and have not heard anything yet. I am extremely concerned as I am not receiving any assistance and just getting the runaround. It doesn't appear anybody can help me and I am amazed how a company can operate like this. Any help would be so greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2016 about Credit reporting () with EQUIFAX, INC. (NV).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I disputed several inaccuracies in the information reported on my Equifax credit file, and the information was reported as verified. However, simple examination of the information reported makes it obvious that the information reported is incorrect as the timeline does not make logical chronological sense. Please correct the errors as they are reported. I am not disputing the accounts as to not to belong to me, I am simply the informational timeline as being inaccurate. 

1. XXXX XXXX Last Payment was XX/XX/2009 and not XX/XX/2009 as incorrectly reported. That makes the date of first delinquency to be XX/XX/2009 2. XXXX The date of last payment is missing completely from the credit report. It should be corrected to read as XX/XX/2009 and the date of first delinquency occurs 30 days later which is XX/XX/2009. 

3. XXXX Just as the account above, the date of last payment is completely missing. It should be corrected to read as XX/XX/2009 and the date of first delinquency occurs 30 days later which is XX/XX/2009. 

4. XXXX XXXX of XXXX {$290.00} The date of last payment listed here is incorrectly listed as the same date of First Delinquincy. These two dates ca n't be the same. It should be corrected to read as XX/XX/2009 and the date of first delinquency occurs 30 days later which is XX/XX/2009. 

5. XXXX XXXX XXXX {$5300.00} The date of last payment listed here is incorrectly listed as the same date of First Delinquincy. These two dates ca n't be the same. It should be corrected to read as XX/XX/2009 and the date of first delinquency occurs 30 days later which is XX/XX/2009. 

6. XXXX XXXX {$3600.00} The date of last payment listed here is incorrectly listed. It should be corrected to read as XX/XX/2009 and the date of first delinquency occurs 30 days later which is XX/XX/2009. 

All of the above accounts became delinquent in the same billing cycle of XX/XX/2009 as the last payments for all of my accounts were paid in XX/XX/2009. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2017 about Debt collection (I do not know) with Resurgent Capital Services L.P. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Please be advised that this is my SECOND WRITTEN REQUEST asking you to remove the unverified accounts listed below that remain on my credit report in viola tion of 15 U.S.C.   1681. You are requ ired under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of your first re-investigation, you stated in writing that you verified that these items are being reported correctly. Where are the documents that you used to verify these accounts? What is the name of the person in your company who verified these accounts? What documents did they use to verify them? Please provide me with the name of that individual, their business address, and telephone number.       XXXX    Law Dictionary,    XXXX   XXXX  ,  2009 , defines  Verify as,   1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) To confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and Verification as, Confirmation of correctness, tru th or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party.     What this means is that your company must be willing and able to produce a document in your files that proves the account  ( s )  in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have  1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed b y 1681 ( a )  ( 4 ).      You have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Secti on 611 ( 5 ) ( A ) of the FC RA you are required to promptly DELETE all information which can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (VA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: i was added to my husband XXXX XXXX XXXX 's account at Kohls department store as an authorized user a few months ago. He had a high balance when i was added. The next month i asked to be taken off account as a user because the balance showed up on my credit account and lowered my score. They took me off the account. It still shows a high balance of XXXX on my account as an authorized user on credit reports. I have since in the last few days opened my own account at Kohls in which it does not show up yet. But i want my husbands account balance off my credit report - please.

Company response to consumer: Closed with explanation