milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-09-2018 about Debt collection (Medical debt) with OPTIMUM OUTCOMES, INC. (NC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I am trying to clean up my credit report. I have one company XXXX XXXX that has 4 accounts on my credit report. I pay them every month but they continue to hit my credit report negatively every month. This week I have starting trying to pay the smaller amounts. I have asked them everyday this week to send me a letter of for one account stating that when I pay the small balance ( {$50.00} ) it would be deleted from my credit report. I have made phone to this company every day this week asking for this letter. I did receive a letter today but it had all three of my accounts on it and the total amount had to be paid within 24 hours. I am not able to pay all three accounts in 24 hours so this letter will be voided. I have never before had to beg someone to collect money from me. Please help me get this cleared up. I would really like to get three of my four account cleaned up. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (PA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I would like to have a signature page to verify this alleged account. 
I would like to know why the debt is a said amount and why the collection company has conflicting information regarding when the account was opened, when it became delinquent, and when they bought the debt and why if it is an old account is it still being reported on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2016 about Debt collection (Payday loan) with Mobiloans, LLC (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I am writing to dispute the account referenced above. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I should receive notification in the mail and a right to dispute the items before they are added to my credit report.The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item.

Company response to consumer: Untimely response
Consumer complaint received 07-11-2015 about Debt collection (Credit card) with Radius Global Solutions LLC (NY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: There is a collection agency which was retrieved my personal information without my consent and did not notify about the nature of their grievance. I 've never heard about Central Credit Services and have never conducted any business with them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Debt collection (Auto debt) with SANTANDER CONSUMER USA HOLDINGS INC. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On  XXXX  2017  I file a complaint against Compa ny SANTANDER CONSUMER USA r egarding the Validation of debt on So call Debt owe to them.. That 's affecting my credit report and my ability to make a big purchase on a Home. I was provided with a Documention that was n't completely accurate with  Information  submitted on my credit report, also the Signatures were obviously not mine misspelled my name.. The point of complaint today was to determine the authenticity of this account from a legal point of view.. On    XXXX  2017     XXXX  Removed this account From the PRIMARY ACCOUNT HOLDERS Credit Report after it was Disputed the sameway as I am today, So if It was Determine by whoever made the decision that this Account was an Error and removed it. Why have n't it been removed from a ll my Credit reports when without the primary account holder there is n't a contract

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Other

Complaint: I have an XXXX XXXX XXXX for long time. I have ordered XXXX additional card to charge for the business expenses so that I can put all the business related expenses onto the card, in XX/XX/2016. I received additional card in mail but did n't activate it. So, I did not use the card at all. There is NO charges made on the additional card. But XXXX XXXX is reporting to Credit Bureaus as I have {$19000.00} balance on it, also as separate account. In my Credit report there are XXXX XXXX accounts listed now ( primary and ad additional card ) each with balance. Due to this error, my debt to credit ratio went up quite a bit that caused my FICO score to come down considerably ( about XXXX points ). I checked my credit report only few days back and realized that XXXX XXXX is reporting erroneous card balance amount. On Behalf of all XXXX XXXX Card holders, I request you, please look into this and take necessary steps to fix the issue. 
Thanks,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/16/2015 about Consumer Loan (Installment loan) with Pinnacle Credit Services, LLC (CA).
Issue: Taking out the loan or lease

Complaint: Pinnacle Credit Services , LLC XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Violated the FDCPA by placing an account with XXXX XXXX into collections status with all XXXX credit bureaus without validating the debt of alleged XXXX with XXXX XXXX using XXXX and XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX letter dated XXXX XXXX, 2015 was sent to both party 's requesting validation of this debt which was not responded to.

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2016 about Credit reporting () with Experian Information Solutions Inc. (ID).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: After sending dispute letter in XX/XX/XXXX via certified mail to Experian regarding incorrect accounts and requesting validation I received a printout that stated they were verified. I requested a reinvestigation containing method of validation and account history including original signature in XX/XX/XXXX and still have not heard back. I tried to access my free credit report and Experian kept showing their website as having tech problems but when my prospective property manager requested access that I had to pay for then all of a sudden my report and score were quickly available. Upon reviewing the report I paid for and sent to property manager I see that every account that I requested reinvestigation was exactly the same as first request. There was no reinvestigation and I received no further information and Experian made it very difficult to get access to my credit report.

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
Consumer complaint received 03/16/2017 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: The information still been reported after disputing it is time barred and or not mine. Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Debt collection (Medical debt) with Commonwealth Financial Systems, Inc. (TN).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: XXXX. XXXX XXXX XXXX I had insurance at that time. The hospital did not file it. I did n't know about it for 2 years, then got a letter from the collection agency for {$1200.00}. The collection agency threatened to sue me if I did n't pay. I am sending them $ 10.00- {$20.00} a month. I am on Social Security XXXX, a very low fixed income.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2017 about Credit card () with SYNCHRONY FINANCIAL (NC).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Fraudulent charges/ syncbXXXX, syncb-chevron visa, syncb-bp, XXXX, Walmart

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 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ECMC Group, Inc. (LA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: The creditor ECMC has had a collection/charge off account on my credit profile which I have disputed several times because the student loans were consolidated and they were never late. The creditor keeps removing the accounts from my credit profile then places them back on my credit profile as a new collection account. This is impacting my credit score greatly as the accounts are in negative standing on there and being reflecting twice on the separate accounts and on the consolidated account. 

I have disputed them several times and each time the accounts were removed then placed back on my credit profile

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 08/15/2017 about Student loan (Private student loan) with WELLS FARGO & COMPANY (CO).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: After I submitted complaint # 1 about Wells Fargo 's handling of our student loan, here 's what I have as of XX/XX/XXXX : - Despite the fact I was a customer in good standing from XX/XX/XXXX to XX/XX/XXXX, in XX/XX/XXXX our account went into defaults because suddenly two of three accounts were n't called out by number on my payment. Never a problem before XX/XX/XXXX, a problem now yet no notification that something had changed or shifted - Despite the fact I 've been paying {$500.00} every two weeks against the loan set since XX/XX/XXXX, since XX/XX/XXXX I 've had to pay @ {$700.00} extra to make up for the " default '' account and apparently still " owe '' {$320.00} - over an additional {$1000.00} out of pocket and a hit on my credit report, thank you Wells Fargo for the awesome refund of {$37.00} on so-called late fees - In their written response, Wells Fargo clearly states : " we are unable to send cosigners monthly billing statements. '' If cosigners are held to the same level of responsibility as primary account holders, we should legally have the same rights.

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 05-02-2017 about Debt collection (Other debt) with Experian Information Solutions Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a letter stating that I owe an amount on this account. I ran my credit report recently and I found it listed by  XXXX   XXXX   XXXX , and had it investigated and removed. They have now sold it to you so that you  may h ave a chance to make a few bucks.   I have never lived at the address in question and have no intention of paying you or anyone for a bogus reporting of information.   Therefore, I ask that you cease and desist any and all actions on this. Failure to do so, I will fill a complaint in small claims court against your company and report this fraudulent information to all concerned.

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 09/22/2015 about Consumer Loan (Installment loan) with SYNCHRONY FINANCIAL (IL).
Issue: Managing the loan or lease

Complaint: Synchrony Financial offered a low rate financing program in connection with my purchase of XXXX furniture. I set up automatic payments on the account at XXXX % of the minimum payment. My payments were made in advance. One month two payments were processed so the next month I was charged a late fee. In addition they charged another fee on top of the late fee known as the minimum interest charge. I was surprised to see the layering of the fees. The total fees were more than my XXXX % extra payments so for the two past months I have received late fees and the extra charge. Given this cycle one would never be able to get back on track and enjoy the " special interest buying incentive. '' I fortunately am able to make the catch up payments however the common citizen may not be able to do so. 
I think this is a clear case of abuse by Synchrony. 
I would like to ask that the CFPC take a close look at this program.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/13/2017 about Debt collection (Medical debt) with Collection Management Company (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I 've called both companies the creditor and credit management company showing the date and that was paid and it was still referred to the credit report.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with The CMI Group, Inc. (VA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Never received a bill from XXXX XXXX, XXXX, MD because when I signed up for XXXX mini box for my XXXX Tenant in my townhouse in XXXX XXXX, Md, I gave the XXXX Clerk my service address in XXXX XXXX and my home address in Florida to send the {$3.00} a month bill. I never received any bill ever. I was told that XXXX had been sendng the bill to my XXXX XXXX address ... this house has been a rental for past 40+ years. I have never lived there. XXXX told me that was their fault and they would take care of it. 
I later discovered all XXXX of my credit reports had a collections notice of {$180.00} balance I owed. I called XXXX many times and was assured this would be completely removed. I call the Credit Management collection company and told them what happened and also told them that I had never received any collection notice letter. One of their managers said they would removed it completely. I have called and complained many times to both XXXX and to Credit Management and the only thing was done was the {$180.00} was reported as Paid Collection and the Notice reporte as Closed. Neither of which does anything to totally remove this whole Collections Notice from all XXXX of my credit reports from XXXX, XXXX and XXXX XXXX. I was also told by Credit Management that under Federal Law I was entitled to get a written notice of the Notice having been filed against me, which I never did. Will you please help me get it removed from all XXXX credit reports as soon as possible.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/17/2016 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (WA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I am receiving frequent phone calls from a number that is registered to a debt collection agency. When I answer, there is no one on the other end - there is just silence and the call ends. When I do n't answer, no voicemail is left. I do not owe any debts - my credit history is spotless. I do n't know how to get these phone calls to stop - I 'm getting them on the weekends as well. I tried calling back and received an automated message to " please wait while we connect you. '' I hung up after 5 minutes on hold.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-10-2015 about Payday loan () with CASHCALL, INC. (CA).
Issue: Can't contact lender

Complaint: I am currently being harassed by email from XXXX loan companies. CashCallXXXX. They are threatening to sue/ garnish my check. I only applied for a loan with CashCall, paid the loan. Then CashCall said I still owe them XXXX dollars. I filed a complaint, they said they wrote it off on my credit report. These orther XXXX I have never applied for a loan nor have I received anything from them. I tried emailing them letting them know these are fraudulent, but no reply. Next I tried calling them at these numbers ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX not reachable. PLEASE PLEASE PLEASE HELP ME. Thanks!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TENET HEALTHCARE CORPORATION (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: This debt was reported to the credit bureaus. I 've attempted to resolve with the original creditor or credit agency. I 've kept close documentation and records of my communication and attempts to resolve the issue. I also filed a police report due to identy theft and some proven fraud accounts. The creditors, bureau agencies. Have stated the accounts were verified but have failed to send me and proof of validation, no proof of original signature showing my contractual obligations to the debt or accounts. The refuse to send me validation or any information regarding the accounts. The violated the law by not reporting the accounts disputed on my credit reports within the 30 day time frame. Also the information listed is either inaccurate, unverifiable, fraudulent or unfair. They did n't follow   XXXX   XXXX   compliance when reporting the accounts. Some Numbers and addresses are invorrect or incomplete. I want to be held accountable for accounts that are actually mine and correctly reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2017 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Someone from a company named XXXX XXXX, keeps calling a relative of mine. The last call was on XXXX, at XXXX, from phone number XXXX showing from Arizona XXXX The person said that me and my spouse had done business with them. My relative has ask them to stop calling, but they keep calling. I called the number, and spoke to someone named XXXX XXXX, who had a middle eastern accent. I told him that in would be filing a complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/16/2015 about Credit reporting () with Fidelity National Information Services, Inc. (FNIS) (NJ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: THIS IS THE XXXX TIME THAT I HAVE HAD this is in response to clarify in simpler terms what my dispute with Chex-System is about. I requested Chex-System to remove inaccurate information that they and or the Banks that they service has put on my consumer report. These following addresses I am here and now disputing as addresses that I AM NOT associated with and I DO NOT LIVE AT NOR HAVE I EVER LIVED AT:XXXX, XXXX XXXXXXXX XXXX , XXXX XXXXXXXX XXXX , XXXX XXXX ( WHICH IS MY EX-HUSBAND 'S RESIDENCE NOT MINE ) XXXX , XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXX , XXXX XXXX XXXX XXXX XXXX , XXXX XXXX ( THIS IS MY PARENT 'S HOME NOT MINE PLEASE DELETE ) I AGAIN ASK YOU TO DELETE TO DRIVERS LICENSE INFORMATION ON MY CONSUMER REPORT : DRIVERS LICENSE NUMBER : XXXXSTATE OF ISSUANCE : XXXXI have also attached the police Report that I have filed here is XXXX, XXXX I will forward you the original version of the police report when I receive it on XXXX/XXXX/15. I have filed for ID Theft protection because there is no way I can leave in XXXX different states a XXXX time and then XXXX different cities and all these different address. Please remove this address 's and the financial institutions that are connected to them because these are not mine it is fraud. 


Thank you, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2017 about Student loan (Federal student loan servicing) with ACS Education Services (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: My servicer, ACS Education, purports to provide forms on their website that borrowers can use to request in school deferments. However, when I attempt to complete the information necessary to print out a form to request a deferment, the ACS website displays an error message stating " Please enter Valid Account Number. '' ( The form includes a field that says " account number. '' However, this field is pre-populated and can not be edited by the user. ) The same error message appears when the user clicks on the button to download a blank form. The " Deferment Assistant '' on the ACS website does n't provide any other information about how to request an in school deferment for federal loans serviced by ACS. It seems quite possible to me that this website design is intended to discourage borrowers from seeking deferments for their loans.

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: A collection account was added to my credit report in early XX/XX/XXXX. I believed the account to be inaccurate so I disputed the account with TransUnion. Subsequently, the account was deleted from my report in XX/XX/XXXX. In XX/XX/XXXX, the same collection account for the same balance was reinserted on my credit report with the notice to me, as required by law. Please investigate this account. The attached documents show the collection account ( XXXX Balance {$500.00} ) as currently listed on my credit report and as it was deleted in XX/XX/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 11-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: After looking at my credit report, I noticed several outdated and inaccurate items : The following below are inaccurate. I never live at the addresses. Please complete removed from my credit file XXXX XXXX XXXX # XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX # XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX # XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX Please investigate these inaccurate items and remove them immediately and forward an update copy of credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief