milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-12-2016 about Debt collection (Medical) with SCA Collections, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: A Collection was posted on my credit report for a medical debt that I do not owe ; I received a medical treatment from XXXX XXXX XXXX XXXX XXXX which was to be fully covered by my insurance. Several months later, SCA Collections sent the first and only notice of a medical bill due along with a threat to file a Collection on my credit report. I contacted the the medical group and corrected an error in their billing records 6 weeks ago and was told the item would be resubmitted for payment to the insurance company. I received no further notice until I was notified that a collection was posted on my credit report. This is the second time that XXXX XXXX XXXX XXXX XXXX submitted this covered expense to SCA collections with no notice to me.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2017 about Debt collection (Mortgage) with BAYVIEW LOAN SERVICING, LLC (FL).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: Attempted to Foreclose on Property without proper documentation. 

Using a Shell Company to attempt to Cover-up the False Documents.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have a paid/resolved tax lien on my credit report. I contacted Equifax to have the information removed per the law that states paid liens should come off credit reports seven years after lien was filed. Was informed by the Equifax agent ( who barely spoke XXXX ), that Equifax adheres to their own internal policy on removal, not the Federal law. Was told lien would be removed seven years after it was PAID, not after it was filed.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2015 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Equifax is reporting an account with XXXX in the amount of {$280.00}. They have failed to provide me with the documentation that was used to verify that this entry is correct. Equifax has repeatedly re aged this account when in fact it should have been removed in XXXX 2015. This is not the XXXX time that Equifax has reported inaccurate information and has failed to fix tge problem in a reasonable amount of time. I want the actual documentation that was used to verify this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: Transunion Keeps putting 90 Day Initial Alerts on my credit profile without my permission. They keep doing this because I am sending Validation Letters ( not disputing ) but asking them to provide physical proof that what they are reporting meets FCRA guidelines, meaning the information is Accurate, Complete and Verifiable. They have been unable to do so and instead of doing their job they just keep putting these alerts on my file to make it hard for me to apply for credit. Lets face facts, the law that is on the books that is supposed to govern the credit bureaus is not working. They are breaking the law, not doing as they are required and when myself a consumer asks them to provide proof or remove an item they get mad and whine like little babies and put these alerts on my file. I am tired of this. This is the 3rd time this has happened and I will file these complaints every time to make these guys stop doing this. Just do your job, stop abusing the law and stop telling me that I have to provide proof from the original creditor. I am not the one that is reporting the information so the burden of proof is on you as a company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2016 about Debt collection (Mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: I filed a Chapter XXXX bankruptcy in XXXX. In XXXX XXXX I converted to a Chapter XXXX and Carrington Mortgage Account # XXXX was included in that Chapter XXXX and was successfully discharged in XXXX XXXX. I have been fighting with this company ever since. They continue to contact me and send statements saying I owe this debt and I DO NOT. They continue to report to the credit bureaus that it 's an open account with 180 days late with past due balance and I 've had to get this corrected 3 times and just when I get it corrected to report as included in bankruptcy they have reported it back again to the credit bureaus as open past due and this account is CLOSED discharged through Chapter XXXX bankruptcy as of XXXX XXXX. Also they have yet to take ownership over the mortgage and I still have the County sending me property tax statements and I explained to them that I DO NOT own this house anymore that it was included in my Chapter XXXX bankruptcy and they informed me that the mortgage company has not taken it out of my name yet. What they are doing is illegal and before I hire a lawyer to sue them, I would like for your company to step in and make this right.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2016 about Debt collection (Credit card) with CAVALRY INVESTMENTS, LLC (CA).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: I got a letter in the mail XXXX. from Calvary Portfolio Services stating that they purchased my debt account from XXXX XXXX and are now the owners. Since then they have called me repeatedly ( sometimes once a minute for XXXX mins ). they have called my girlfriend, a past Employer of mine who called me to let me know a " Private Investigator '' was looking for me, and today called my brother ( immediately after calling me and leaving the voicemail below ) with the following conversation : " Is XXXX there? Is this XXXX Where is XXXX XXXX ". My brothers phone number was NEVER listed on any appliaction of mine anywhere which led me to believe that they found his name and number illegally. This is the phone call I received at about XXXX from " Unknown Caller '' which I did not answer. This is the Voicemail left : " Yes, Uhm Good Afternoon, my name is XXXX XXXX , Im a Private Processor with the County Serving Courts, and this is a request to serve you a summons regarding a lawsuit that is being filed against you at this time. Now, the firm that has filed the suit against you has asked me to provide you with a courtesy call with their contact info meaning, if you have any questions or concerns regarding this matter, please contact the XXXX XXXX XXXX XXXX at ( XXXX ) XXXX. When calling please refer to your case number which follows as : ( random numbers-CV ), thank you ''. I recognized what was going on when he gave me the phone number to call for that " XXXX something XXXX XXXX ''. That number is the phone number for XXXX XXXX XXXX, a debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with PNC Bank N.A. (VA).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: PNC cus tomer trying to do the right thing in paying a credit card with extremely high/abusive interest.   Opted to do online banking for better control to try and pay off the card. The online system is made for the customer to be locked out. I have attempted multiple times to cal l PNC wh o is unable to assist by phone. they say they ca n't help because of security reasons despite the fact that I answered all their questions over the phone. I have a credit card on my name and I am on a joint account with my parents. Somehow they would only be able to help based on the debit number. So, I ca n't manage the credit card and keep incurring high interest fees. They are now on the third time sending me via mail  3-7 bu siness days a pin. I have tried this already, it works for a minute and anytime you try a transaction is locks you out.     This is abusive and need to stop. I was also recently contacted by a SCAM company to try to re  duce the high interest rate allegedly which tells me PNC is selling the information to other sub company trying to make money out to the interest it is charging me.
I have been with PNC for 15 years but this is outrageous. As soon that this cards is paid t  hey will never get my business again.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2015 about Debt collection (Credit card) with Financial Business and Consumer Solutions. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Continuous calls several times a day for months, leaving no message. I had to call back to find out who they were.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2017 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (PA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I recently set up payment plans with a collection agency in XX/XX/XXXX I set up for XXXX dollars at the end of each month to be taken out and for the first payment to be taken out XX/XX/XXXX. I paid XXXX dollars over the phone for the month of XX/XX/XXXX over the phone the same day I set up my payment plans. Well then at the end of XX/XX/XXXX someone took out XXXX dollars out of my account which I didn not give consent to. I strictly stated over the phone for the XXXX payment to start in XX/XX/XXXX so I know it 's only XXXX Dollars but I did not consent for that money to be taken out of my account. I have been playing phone tag with the people for over XXXX weeks now and I want my money I never gave any consent for that payment to be taken out so I feel as I was robbed it is impossible to speak to anyone who speaks great XXXX so calling this company repeatedly does nothing. Midland Credit Management , Inc. are scammers in my eyes!!

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2017 about Debt collection (Auto debt) with SECURITY NATIONAL AUTOMOTIVE ACCEPTANCE CORP (FL).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint: snaac is re-aging an old debt for the amount of XXXX. It is hurting my credit worthiness. It is stating that the account was opened on XXXX 2011 and that is untrue. This is an illegal practice and I would appreciate if it was deleted from all major credit bureaus immediately. I have called this company on XX/XX/XXXX and and XX/XX/XXXX they would not listen or try to resolve. I have also been threatened by this company to take all my property in court and they also continued to contact me and family members after I stated not to contact 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 02/26/2016 about Debt collection (Payday loan) with REGIONAL MANAGEMENT CORPORATION (NC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: My wife took out a loan from Regional finance, she had a past due balance of {$840.00}, she was still making her regular payment of {$200.00}, she made payments in XXXX, XXXX and XXXX, today XXXX from regional finance called my wifes cell phone, he did not properly identify himself nor did he read the mini miranda to my wife, the first words out of his mouth " where is my money '' My wife responded " I already sent the payment for {$200.00} '' he replied " that is not our agreement, I am sending your payment back '' my wife was very upset and brought me up to speed on this loan, i then called back and spoke to XXXX, asked him for his full name he refused to give me his last name or employee id gave me the number to their corporate office, i called and left a message for someone to call me back, I received a call from XXXX XXXX who claims he is the direct boss for XXXX, i began to try and explain my concerns over this collector managers actions, telling him his collector is calling my wife every day dates of calls XXXX/XXXX/16 XXXX, XXXX/XXXX/16 XXXX, XXXX/XXXX/16 XXXX, XXXX/XXXX/16 XXXX, XXXX/XXXX/16 XXXX and XXXX he left messages both times on the same day " this is XXXX regional finance need you to call me now '', XXXX/XXXX/16 XXXX, XXXX/XXXX/16 XXXX and today XXXX/XXXX/16, that he is threatening legal action on XXXX/XXXX/16, they never filled legal actions after saying they will, then i tried to explain to the regional manger his collector told my wife because she did not send in the entire past due bal he was going to send her payment back, he would not allow me a chance to fully express my concerns he kept telling me to get off his phone he is to busy to talk to me, that his collector did nothing wrong, for me to get an attorney, called me buddy told him do not call me a buddy, im not your buddy do not disrespect me like that told me to shut up, then attempted to put me on a speaker phone so the entire office could hear the phone call told him he does not have permission to put me on speaker phone we argued and then he hung up on me, i called back and recorded the call he continued to argue with me telling me i had 5 minuets to talk to him, would not allow me a chance to express my concerns we continued to argue and he hung up on me again, prior to hanging up he used a XXXX slur against me, he also told me to shut up and that i only had 5 minuets to talk to him, all this and more is on a recorded line

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (GA).
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint: In XXXX 2017 Wells Fargo Bank, CRM employees restructured my business relationship profile on my small business accounts and also reverse payments, blocked transactions when larger direct deposits where pending and what ever fees they created where payed after the larger direct deposits were posting and then after this incident they Bulled me by blocking my operation accounts cards with out warning ; they claimed I had abused my cards and accumulated over 70 NSF 's. in one year. ( LIE ) My bank statements prove other, and Now for the time being I ca n't do credit card transactions so when I got direct deposits weekly of {$5000.00} to {$13000.00} thousand from my clients I could not complete work I lost close too {$200000.00} Dollars in a four year contract and sells and clients. Five years of a great relationship and services with Wells Fargo also. A group of employees social engineered a procedure to break my relationship with Wells Fargo, Committing bank fraud and negligence. They allowed for my accounts to Continue to operate with a debit card status to collect more fees on the blocked cards and they also threaten my personal accounts with derogatory negative receipt massages. This has cause personal stresses on my family and defamation of my character. I lost my contractors and employees, I have to start all over. Also my family SUV repossessed due to slow payments, my personal bills are also damaged. I have reported this to the proper channels with in the bank and they tell me they have started a claim and have an ethics investigation going. They keep giving me the run around and twisting the truth. I had to go to a branch outside of my city to get some truth of this matter. They have restored some fees and also restored my cards, but this is not enough. My personal, family and business life, taxes, employees, all, has been hurt by this industrial espionage. Help me please!?

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 02/20/2018 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: Public record information inaccurate

Complaint: I have reached out and filed disputes with XXXX, Equifax and XXXX about reporting inaccurate info on my credit report and the only thing they have done was updated I am not sure of the dates but most recent was XXXX of XXXX and it came back as not removed or deleted but updated. I have asked these credit bureaus to validate the accounts first and since then I have not received any updates verifying these accounts. I have also called each credit reporting agencies to update personal information and disputed inquries that I have not consent any company to check my credit and there has been no change since last year XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My credit score went down a lot and the information on my credit report is not mine!

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 03/14/2016 about Debt collection (I do not know) with MNS & Associates LLC (WA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Mns Associates llc is harassing and calling my Family, employers, and people I know. I do not owe any debts to them. They are harassing people. They have not tried contacting me. But instead harassing and calling all of my contacts. I want the harassment to stop. I want all of the calls to stop. I want mi further contact from them. I do not owe any debts to them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
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: I rented a car from XXXX on XX/XX/XXXX at the XXXX, airport, XXXX. They verified my Drivers License issued by the Illinois state in USA, my USA passport & XXXX Credit card and noted the details on my Rental contract. 
I was not provided an English translation of the Rental Contract, most of which was written in XXXX and I have no knowledge of the Spanish language. I spoke to them in XXXX only when renting the car and them very well knew that I could not read most of the terms and conditions written on the back of the contract. 
On XX/XX/XXXX while driving in XXXX I was stopped by the police for holding a cell phone in my hand. I was not using the cell phone. I produced my Drivers license and passport as requested by the XXXX police. XXXX police issued me a citation for driving in XXXX without a valid international driving license and seized my car. I immediately called the XXXX personnel and they spoke to the XXXX police personnel. XXXX police communicated to me that XXXX should not have rented the car to me without a valid driving license to drive in XXXX. 
Centauro personnel rent cars to numerous individuals everyday .Centauro personnel are required to only rent cars to individuals who are eligible to drive. They are all citizens and/or residents of XXXX and expected to know the XXXX law better than a foreign tourist. 
XXXX and its personnel have willingly encouraged me to break the law by renting me a car when they were fully aware that I did not have the valid documents to drive a car in XXXX. XXXX and its personnel have intended to benefit from renting a car to an individual who was not eligible to drive in XXXX. XXXX and its personnel have intended to benefit from actively encouraging an individual to break the law of XXXX. I am sure XXXX has actively encouraged numerous foreign tourists by renting them cars without a valid drivers license to drive in XXXX and profited from it enormously. 
Will XXXX or its personnel ever rent a car to a local kid or a local adult without a valid driving license to drive in XXXX? They just intended to benefit from defrauding and cheating a gullible foreign tourist. 
Centauro along with Bank of America Visa is trying to fleece me for the illegal rental transaction and including gas not consumed, citation, administrative charges amounting to USD XXXX. The actual rental amount due is less than XXXX XXXX XXXX and its personnel not only encourage a innocent foreigner to violate the XXXX law, but also want to further financially exploit the victim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2017 about Checking or savings account (Checking account) with TCF NATIONAL BANK (IL).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: last XX/XX/XXXX, my debt card and pin # was stolen, at this time, people had been stealing card numbers and pin numbers extremely bad that it had caught the news attention. I filed a police report, fraud report with the bank. I was told that they would put a freeze on my account and stop my direct deposits from my employer. If they could n't catch the deposit from entering the account, I could come up to the branch once it cleared and receive my payroll deposit until the investigation was cleared. I came to the branch and was told that it was put toward the negative balance. I received a letter about a week later that because I was negligent in losing my card, I was responsible for the debt. TCF allowed 2 fraudulent checks to be cashed against my account, mind you, I did n't even have the money to cover the checks that was cashed to my account. That 's where I 'm still lost, how do you allow a check to be cashed with the money in the account and not allowing an out of state check to clear to make sure that it is a legit check? 
Also, through the police investigation, they have photos of the criminals and the bank knows that it is not me or my son, we had to submit photos. not only was my name on the account, I had a son in college that was on the account as well, so I could send him money throughout the month for his expenses. I have fought this for almost a year. 
I 'm so upset about this because not only ca n't I or my son get accepted in a credit union because of this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation