milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: THEY HAS STILL FAILED TO PROVIDE PROOF OF ACCOUNT OWNERSHIP WE ARE FILLING A LAWSUIT AGAINST THEM FOR FAILING TO REMOVE THIS ACCOUNT. 



XXXX XXXX XXXX XXXX Account Number XXXX Account Type Collection Terms Date OpenedXX/XX/XXXXAccount Status Open Payment Status Unknown Payment Status Details - Status Updated XX/XX/XXXX Balance {$1100.00} Balance Updated - Credit Limit - Past Due Amount - High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX Ownership Individual account Original Creditor XXXX XXXX XXXX XXXX XXXX Company Sold-to - Original Amount {$950.00} Comments -

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 11/14/2016 about Debt collection (I do not know) with Midwest Recovery Systems (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On Friday XXXX XXXX, 2016 I was notified by my credit monitoring service that a new collection, in the amount of {$670.00} from Midwest Recovery Services LLC via XXXX XXXX XXXX was applied to my credit reports. 

Having not incurred the alleged debt, I did some research and it appears that MRC buys outdated, often incorrect zombie debt and haphazardly applies it to individuals credit reporting agencies, which is a clear violation of Fair Debt Collection Practice Act as in my case they never even allowed me my right to dispute the collection within 30 days. 

Under the FDCPA the consumer ( me ) is to be given a 30 days validation period before a debt collection can be reported to all XXXX major bureaus by a collection company. 

That Midwest Recovery System can be so reckless and cavalier with their debt buying and collection practices is nothing short of terrifying. Innocent individuals, like myself, are constantly being put through extreme stress and the onus is on US to clear our names from their egregious practices.

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (MT).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Repetitious phone calls that are intended to annoy, abuse, or harass you or any person answering the phone They call at all hours, including early morning and late at night. This debt is over 8 years old and no longer reported to consumer credit. I also received a notice from the debt collection company saying they would continue to try to collect the debt even though they could not sue me. The original debt was {$500.00}. With all of the fees it is now up to {$1600.00}. I am currently on unemployment, live in a rural area and am unable to pay this debt. The debt was incurred when my husband was passing of XXXX XXXX and it was used to help with expenses. In 2008 I lost my XXXX position due to cut backs and have had a difficult time financially since.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (SC).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I was trying to get a lower payment as I became XXXX and was n't able to work anymore. My income was reduce tremendously but I still wanted to try to make payments on my loan. So when I reached out to Navient they informed me that my best option would be a forbearance that way I would have more time to get on my feet. So when my forbearance ended the payments was too much to handle. I 'm a single XXXX mother of XXXX. I barely can afford food to feed a family of XXXX better yet pay $ XXXX+ a month for student loan. I know they have to be repaid but they could have have me lower monthly payments or explained all options.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Wilber and Associates, P.C. (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: On XXXX/XXXX/16 I receiveda letter from Wilber & Associates, P.C. stating they were attempting to resolve a matter in an amicable fashion and that I would need to advise them immediately of insurance information or immediately send payment for insured loss. I had no idea what this was in regards to so I called the number on the paper and A man answered and was horribly rude to me. I asked for acopy of the legal claim and he said he wasnt going to waste his time sending a copy out if I wasnt going to pay it anyways, he then stated he would mark it as a refusal to pay and mvoe forward with his law firms steps. He told meto tell the person in the back of my phone call to be quiet because they were n't helping however I am not going to send a check for XXXX to someone who I dont know without an itemized info sheet on what those funds would be for. When the man hung up on me I called back 2 times to which a woman answered and said hold while I transfer your call and it was transferred two times with no answer. I called back a fourth time and finally spoke with the man I spoke to first and he very quickly said " I already told you what you owe before you can pay that over the phone and it is due by the end of the month, have a great day. '' and then hung up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2017 about Mortgage (Conventional home mortgage) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I had an existing mortgage with Capital One that I was in the process of refinancing in XXXX of 2017. I knew my closing with the new lender would be around X/XX/17 which was before the tax payments were due at the county ( XX/XX/XXXX ), this would mean that the new lender would require me to bring the tax money to closing. I therefore called Capital One to ask them not to disburse the payment to the county. They claimed they could not do that and in fact around X/XX/17 claimed they had already sent the payment ( they did not disclose that they had only disbursed funds to XXXX who aggregates tax payments for them and sends it to the county at a much later date ). When my refinance closed I called the county to verify that the taxes had been paid by Capital One, but they had not since XXXX had the funds at the time. As a result I had to pay the taxes at closing. I then called Capital One to ask them not to send the payment to the county, but they claimed that the payment had already been issued and that I would have to wait and get it back from the county. When the county confirmed that double payment happened ( X/X/17 was when they received the money from Capital One ) I called the county to ask them they refund the funds directly to me. They said they could not do this without Capital One 's authorization. I called Capital One to ask them that they provide a document so that I could request the county to send the money to me, but Capital One claimed they could not do this. The county issued a refund check on X/XX/17. I am writing on X/XX/17 and I still have not received the money from Capital One. As a matter of fact Capital One has still not received it from XXXX. Every time I call they give me a data in a week 's time ( X/XX/17, X/XX/17, X/XX/17, etc ) but never acknowledge the fact that my money is sitting in a bank account earning interest for XXXX instead of being disbursed to me. I am requesting that Capital One immediately mail to me a check for the amount of XXXX which through their incompetence and lack of cooperation have been holding hostage from me. They had the capability to avoid the trauma for me but simply did not care to provide efficient, prompt customer service by claiming there was no way to : 1. stop payment on X/XX/17 when I provided proof that the taxes were paid. 2. Request a direct reimbursement from the county to me when I asked this process be done. 3.  Provide a prompt check to me once the funds were sent back from the county.

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2015 about Consumer Loan (Installment loan) with WELLS FARGO & COMPANY (FL).
Issue: Managing the loan or lease

Complaint: I purchased a XXXX in 2006. I paid {$750.00} as down payment to the dealer. XXXX weeks later dealer called and said XXXX financing is unwilling to finance the vehicle. So I returned the vehicle to the dealer. XXXX weeks later dealer called and said they found a financier and paid {$7000.00} as down payment and purchased the vehicle. XXXX years later wells fargo dealer services bought the company and took the loan over. I was told by the original financier the {$750.00} I paid will be applied towards XXXX car loan payments. 

This has been XXXX years wells fargo claims I owe them {$750.00} annd unwilling to give my title to me. 

The XXXX division of Motorvehicles asked a copy of the title to register the car XXXX times and they have not responded to their request or my request. 

I need help in getting my title and do not make me pay a loan twice

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2016 about Mortgage (FHA mortgage) with QUICKEN LOANS, INC. (MI).
Issue: Application, originator, mortgage broker

Complaint: XXXX/Quicken Loans pulled my credit without my authorization and permissible purpose. 
I have attached documentation. I need this removed.

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2016 about Credit card () with DISCOVER BANK (TN).
Issue: Arbitration

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. sent me a letter that they had been retained by Discover card notice of opportunity to contact within 30 days to dispute the debt, and a statement they are a debt collector. The letter was delivered uncertified. I responded on XXXX/XXXX/2015. In that letter, I asked XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. to validate the date. The letter stated to respond to a specific Notary Public who would verify and validate receipt of said validation within 30 days. The letter was sent by certified mail and received by XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. on XXXX/XXXX/2015. I pulled my credit report and saw that this debt had been charged off. I then was served with a lawsuit on XXXX/XXXX/2015 by XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. regarding this matter. My issue this firm stated they were retained by Discover card. That claim is patently false, since the debt was charged off. If Discover Card was still pursuing this debt, it would not be at that status, so this firm has made a false statement regarding its disposition on this matter. Further, this firm has stated they are a debt collector further down in the letter, This indicates that they obtained this debt as third party debt collector. the statements made by XXXX XXXX XXXX XXXX XXXX XXXX, XXXX in the letter are fraudulent and misleading, and intended to intimidate. Further XXXX XXXX XXXX XXXX XXXX XXXX, XXXX has extended this fraud into court.

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

Complaint: I am a victim of the identity data hack of Equifax, per their online checker.

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There has been an bankrupty on my account that keeps updating ive went to coweta court house in gotton paper work showing debt was discharged there was never a bankrupty that was taking place nor have i ever went to court for this case. I will like for this iteam to be removed i have all docm. if needed

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Ocwen is our loan servicer and XX/XX/XXXX my husband lost his job, I called Ocwen to explain we would be late they said to pay the late fee and get it in as soon as possible. Feeling nervous I applied for a payday loan to pay my mortgage at a huge percentage rate now I owe them as well I was able to make XX/XX/XXXX payment and a part of XX/XX/XXXX. Now as my husband was hoping to get unemployment he started to redo his XXXX when he suddenly got sick.. he was up and down and our mortgage was not getting paid because we had to survive somehow. when things would look better he would get sick again and go downfor 2 weeks at a time. all the while I was explaining this to Ocwen who just kept giving me amounts to pay and deadlines to get caught up.Finally on XXXX my husband woke up to XXXX. the pain was so bad he couldnt stand if he wanted to. I brought him to emergency and that was the end of him working. I told Ocwen and spoke to a hud counseler whom did not make me feel any better. I then filled out the modification package and sent them everything, receipts from my renters, tenant rental contracts my paystubs taxes for XX/XX/XXXX and XX/XX/XXXX everything and some.. Loan number on top of each page I faxed and sent hard copies. 8 days later I received a letter saying they were sorry to say but our owner of our loan does not do modifications.. excuse me? They knew this when they first started working with me regarding modifications.. now its been 6 months there is a tentative sale date on my home of 20+ years on XX/XX/XXXX. They knew this about the investor of the loan, so they wasted 6 months in telling me they will work with me save our home, do n't worry when they knew all along what the outcome was going to be. As far as Im concerned that the time I have wasted collecting paperwork, filling out and sending in the package I could have been looking into other sorces of income and help. Ocwen said there is no sale date but its been recorded. Ive heard from a legal firm that XXXX is the date of course Ocwen says there isnt a date but can there be one and they are just pulling my leg..? I dont know but what I do know is after all the investigating I have been doing I am now extremely knowledgeable in the default and foreclosure process that I am not going to lose my home.. My husband is now XXXX I have XXXX renters and another staying on my living room couch just to make ends meet.. I am a XXXX year old woman and this sorry loan servicer will not take my property without a fight.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with FAIR COLLECTIONS & OUTSOURCING, INC. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I reviewed my credit information and notice an error on my account from an apartment complex I stayed in years ago. The complex back then was called " XXXX '' and is now called " XXXX ''. I had email correspondence with the complex regarding my concerns dealing with the apartment before I moved out back in 2008 and was reassured I had nothing to worry about because those issues are not mine and on the complex. I am looking at my credit report and see a charge for XXXX that should n't be there because we left out with a walk through completed and was stated that we had nothing to worry about. We were also given back out security deposit as well when we moved out. 

The company that is showing on my collections with XXXX is : FAIR COLLECTIONS XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Debt collection (Medical debt) with HCFS Health Care Financial Services, Inc. (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: OnXX/XX/XXXX/2017, AND XX/XX/XXXX/2017 ; I submitted an complaint regarding XXXX XXXX XXXX. This company has not been following any of the following laws, FCRA, OR FDCPA. I disputed this debt on XX/XX/XXXX/2015 with XXXX Dispute # XXXX and this debt was agreed to be removed and deleted from my credit file XX/XX/XXXX/2015, they only remove the debt from XXXX reporting bureau, but have disagree to remove and delete this debt from from XXXX, and XXXX Credit file. They just recently report my account on XX/XX/XXXX/2018 as open charge off. I have called to this company to provide me with the original contract from the original creditors, they have refused to do so without me obtaining an legal Attorney. This is a voilation of my right.

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 11-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with GENERAL MOTORS FINANCIAL COMPANY, INC. (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XXXX XXXX XXXX, the company placed an inquiry on my credit report with XXXX. I have requested documentation from both the company and from XXXX to support their permissible purpose in accessing my credit file. Neither has complied. The company simply sent a letter verifying that it had, in fact, accessed my file on the date mentioned. Pursuant to Section 604 of the Fair Credit Reporting Act ( FCRA ). [ 15 U.S.C. 1681b ] Paragraph a, Subsection 2 a CRA can only furnish a consumer report in accordance with the written instructions of the consumer to whom it relates. As I have not given specific written consent for this company to access my credit file, this inquiry should have already been removed. The refusal of the company and the CRA to do so puts both in a state of willful non-compliance with the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with John C. Heath, Attorney at Law, PLLC (CT).
Issue: Fraud or scam

Complaint: I paid Lexington Law Firm a total of {$500.00} from XXXX XXXX to XXXX XXXX. I paid them to remove negative items from my credit reports. Lexington Law Firm did not remove any negative items from my credit reports. XXXX XXXX XXXX credit reporting agencies )

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2016 about Debt collection (I do not know) with Allied Interstate LLC (VA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Repeated calls @ XXXX XXXX varying from 2-5 times/week. I have repeatedly told them I do not know the person they are trying to contact, have had this phone number 6+ years and please quit calling me. The company ( Allied Interstate ) representative I talk to each time assures me my number will be removed from their database, yet I keep receiving calls.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/16/2016 about Debt collection (Auto) with HONOR FINANCE, LLC (GA).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: Hello, Honor Finance is absolutely NOT permitted to call my work, and I have sent that in writing several times as well as expressed that via telephone. I received a call on XX/XX/2016 at XXXX regarding my car loan where the caller used deceptive practices to be transferred to my classroom during school hours. The receptionist thought she was a parent because of how the caller presented herself and the nature of her call.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2015 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (NY).
Issue: Fraud or scam

Complaint: My situation is solely related to the XXXX XXXX Rush Card glitch. For almost a week now I have either not been able to access my account and or funds I have loaded funds to my account that have not posted to my account there has been funds taken out of my account without my permission for almost three days my balance said zero when I definitely had sufficient funds I have sent several emails tweets called several time only to be disconnected if this was any other prepaid card without a celebrity at its head this would be considered fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-06-2017 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Closing/Cancelling account

Complaint: I 'm writing in regards to my Walmart Credit card from Synchrony Bank, On XXXX XXXX 2017 I had called in to Synchrony because I had noticed that my credit card payments had not been coming out of my bank account. After talking to the rep he stated that my account was closed on XXXX XXXX 2 days prior. My complaint is Walmart synchrony, never made an attempt to notify me in writing or by phone that my account was having issues withdrawing from my bank. They closed my account without No prior attempt to resolve this matter. I did attempt to make a payment of {$180.00} earlier in the month Which did not post so then I attempted again on the XXXX which did post but my account had already been closed and my online access had been locked out, I could only make a payment over the phone. After passing me around to multiple departments from all over the world, i finally spoke to someone who told me my account was closed and that there was nothing else to discuss. To top this off i get a letter in the mail on XXXX XXXX from Synchrony stating that my account had been closed, after my account was already closed, no prior attempt EVER. This was the first and ONLY letter i received. Then a week later i get a letter from a debt collection agency stating that my account had been placed in collection. Not only did they not EVER give me the opportunity to resolve this matter in ample time, they sent my account, after accepting my payment of {$180.00} to a third party debt collector. Not only has this tarnished my credit, they crippled my ability to keep my good credit rating as a consumer. I want my account reopened the debt collection removed. I will pay the remaining balance off, and will never use your card again, but this has to be corrected. You ruined my credit, i am unable to Progress my family in today 's society to better ourselves because your policy of neglect to your customers. I feel i was WRONGFULLY, treated as a consumer, and want this resolved.

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