milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/27/2018 about Debt collection (Medical debt) with Carter-Young, Inc. (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Carter Young Inc has been reporting a debt of {$100.00} to the credit bureaus ( incorrectly listing XX/XX/XXXX are the opened date ), and I contacted them and requested notification and verification of the amount they are attempting to collect. I had not been previously notified of a debt in this amount. I received 2 emails ( XXXX XX/XX/XXXX, and XX/XX/XXXX ) from the person listed below : XXXX XXXX XXXX Carter-Young , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX The emails do not have any documentation related to the amount they are reporting to the credit bureaus. There is no billing statement attached. I have not received anything else from them. 

On my credit reports, Carter-Young Inc. is reporting a. " Opened '' date of XX/XX/XXXX, but the first of 2 emails what I received from them ( which do not list any billing information ) is dated XX/XX/XXXX. How can they report that a debt has not been paid, when they never notified the person they are trying to collect from? They are damaging my credit score immensely.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2016 about Consumer Loan (Vehicle loan) with GENERAL MOTORS FINANCIAL COMPANY, INC. (NC).
Issue: Problems when you are unable to pay

Complaint: This case was dismissed in court against me for this company on XXXX/XXXX/2016 case number XXXX because it was passed the stature of limitations. I did forward this information to all XXXX credit bureau. I did not dispute that it was not mine but that it was dismissed in court. They responded with this message. XXXX We have researched the credit account. Account # XXXX The results are : We verified that this item belongs to you. Additional information has been provided from the original source regarding this item. If you have additional questions about this item please contact : XXXX, XXXX XXXX XXXX, XXXX TX XXXX XXXX : ( XXXX ) XXXX. I am disputing the fact that my report should have been updated and it should show as no balance due on all XXXX credit reports for me for this Charge Off. The balance ( and past due/or past due ) on this account is incorrect it should say {$0.00} since it was Charged Off.

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: This letter shall serve as file a Complaint with the FTC, due to your blatant and objectionable disregard of the law. Since XXXX of 2015 I have been going sending certified mail letters to you guys regrading XXXX XXXX XXXX. I have kept a heathy record of all of my tracking numbers. You guys have verified all my Disputes. I am in disbelief that you guys can verify an account that is not mines. You guys have violated my right and filing this complaint with the FTC was my only options. I have been denied credit cards, Mortgages, and etc. Due to your guys lack of knowledge on the law made my life a living XXXX. You guys have ignored a number of written request to investigate my claim. Furthermore, I did my own investigation and found that XXXX XXXX XXXX have questionable bill Practice and is running a scheme not a business. PLEASE UPDATE MY FILES AND REMOVE XXXX XXXX XXXX OFF MY CREDIT FILES!

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Debt collection (Other debt) with Allied Collection Services, Inc. (Nevada) (NM).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I found out that an account was placed in collection because I received a credit report notification. I did research online and finally found a number for the supposed collection agency. I explained to them that I was never notified of the account being placed in collection and I have never received any type of communication from them. I feel that the charges I was charged were not right. It took several phone calls and messages before they finally provided statements to me. I still do n't agree that the balance owed is accurate but I need this off of my report so I 'm willing to just pay the money owed. This company has been unfair and unresponsive. They continue us to tell me that they have n't violated the law because their system says a letter was sent to me. I would have responded had I ever received the letter. It 's not 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 10/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AR).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have disputed the negative information reported by Equifax since XXXX XXXX XXXX. In my dispute I requested that the following be provided to validate the inaccurate information reported by this credit reporting agency : 1- Agreement with your client that grants you the authority to collect on this alleged debt. 2- Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 3- Any insurance claims been made by any creditor regarding this account. 4- Any Judgments obtained by any creditor regarding this account. 5- Name and address of alleged creditor. 6- Name on file of alleged debtor. 7- Alleged account number. 8- Address on file for alleged debtor. 9- Amount of alleged debt. 10- Date this alleged debt became payable. 11- Date of original charge off or delinquency. 12- Verification that this debt was assigned or sold to collector. 13- Complete accounting of alleged debt. 14- Commission for debt collector if collection efforts are successful. To date this information has not been provided to me and the negative entry has affected my credit history  unfavorably.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/15/2017 about Student loan (Non-federal student loan) with SLM CORPORATION (WA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: This is a second complaint against Sallie Mae. They lowered my monthly payment for one month, and than decidely increased again the next. It was XXXX in XX/XX/XXXX, and now in XX/XX/XXXX it is XXXX. They also removed all my online documents without approval between those months. They have increased my interest rates without approval, and I was suposed to have a fixed rate. And they have also not cleared up their previous errors nor removed their reporting to the credit agencies of their error so my credit report is a nightmare.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (UT).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I looked at my report a few days ago and found that XXXX XXXX formally XXXX XXXX is back on my report. XXXX was previously disputed and deleted off the report so I should not be back on the report. I called a gentleman on XX/XX/XXXX who stated they can not remove it. I need this removed as it is illegally on 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 with explanation
Consumer complaint received 05/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I had a  XXXX  's credit card in which I also purchased insurance for back   XXXX   XXXX  . The insurance was to cover and pay my bill in full in the event of job loss, injury, etc. According to the creditor, the account was closed in   XXXX   which is correct because I lost my job and applied the insurance I would not have been responsible for the bill in which the insurance DID PAY. I made the payments that were required by me until the insurance paid the bill in full. However the creditor is showing on my credit report that I had a  30 30 60 90 l ate payment in  XXXX  after 6 months in which I was no longer responsible for the bill . Two thin gs are wrong here the contract by the creditor was breached and the reporting is inaccurate. I have called the credit reporting agencies and the creditor and this is still showing incorrect on my credit report. PLEASE HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Blakely-Witt and Associates, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Due to the fact that my problem does n't have a best way to describe my issue above I have to explain myself. I sent a creditor 's validation letter to Blakely-Witt & Assoc. I had my Personal financial coach speak on my behalf. XXXX XXXX XXXX spoke with Blakely-Witt & Assoc. This was a Apartment Lease and I sent the letter for them to validate the debt. Accordingly, to the Fair Debt Collection Practice Act a XXXX XXXX XXXX has 30 days to validate the debt. In my case my debt was never validated by Blakely-Witt & Assoc. In this case the debt should be removed from my credit report and out of the office of Blakely-Witt & Assoc. because they do not have the right to collect in the State of Texas. Accordingly, to the State of Texas no debt collector can collect in the state unless they are register by the State of Texas.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2017 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have been contacted multiple times by a collection agency that goes by XXXX separate names ; XXXX XXXX XXXX & XXXX XXXX XXXX. They are trying to collect on a medical debt that is a result of identity theft. I never went to that hospital in XXXX. The hospital has different addresses on file that I 've never lived. I 've contacted them they said to contact the collection agency then proceeded to give me the wrong information. I 've sent a request for removal from y report over to this company. Nothing has happened, and I feel very vulnerable because they wo n't remove it and they must be paying the credit bureaus to keep on no matter what happens. How can they overpay to maintain the agencies from deleting an account? I think it 's because I 'm XXXX and they might think I 'm here illegally ; I swear I '' m a US Citizen. Attached are my letters my XXXX advisor told me to fill out and have sent. The credit bureaus have done an ok job at communication, but it 's still on my credit report. I 've been trying to get this taken care of now because I 'm tiring to get a place to live and buy. The loan officer said I could n't get the loan because the collection is in dispute and I would have to call and admits I do n't want to challenge it.. which I refuse to do because it 's not mine. The bureaus said they verified everything with the source ... How? I 'm needing help handle this because I have nowhere else other than these government places and XXXX rights place which they told me to record calls and track stuff which I have. Thank you for your time XXXX 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 non-monetary relief
Consumer complaint received 01/22/2018 about Debt collection (I do not know) with TekCollect Inc. (UT).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This is not my debt. Please tell me why you think this is my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Conn's, Inc. (TN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Conn 's XXXX XXXX calls my cell phone no less than 4 times a day. They called me at work last week and I told them I was not allowed calls like this at my place of employment. I was assured my work number would be removed. Today, I receive yet another call at my place of employment, along with XXXX calls to my cell phone. I 've had enough of their harassment!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Sentry Recovery and Collections, Inc. (NV).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: XXXX XXXX XXXX XXXX had granted my daughter a scholarship to attend. Half way through the year, XXXX XXXX added full tuition to our balance of XXXX XXXX We had previously found discrepancies in their accounting and brought this to the attention of XXXX XXXX XXXX whom is responsible for accounting at XXXX. This was handled in full. Fast forward to the next school year where my daughter was told that she would attend XXXX but only through an online program for 100 days and that we would then be in the same position as a public school in that the state covered the tuition. This bill did not pass legislation and so XXXX XXXX opted to back charge us. We attempted to resolve this matter with XXXX to no avail, All documents will prove this. Just as well, we have been working with the Nevada XXXX to hold XXXX accountable. Our contacts at the XXXX are XXXX XXXX and XXXX XXXX. So in short, our daughter did not attend XXXX for the time in question. She has been in online school. 
Sentry Collections and Recovery placed a derogatory mark on my credit file though I had been already disputing the debt with the original creditor. 
Never did they send information to my home via mail or even call. Only until I saw my credit report, did I contact them at which time Sentry could not verify the debt, changed the amount allegedly due, and added verbiage to manipulate their position. 
These people threaten to garnish wages, sue, and even have a fraudulent " legal '' department. 
If ever the government needed to step in and shut down a business, this is it. 

Neither XXXX or Sentry can validate the amount due. The requested amount does not match between the XXXX. 

Lastly, I have been served papers from Sentry which after my review of FDCPA is in direct violation.

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 01/25/2017 about Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (NY).
Issue: Loan servicing, payments, escrow account

Complaint: I recently had a medical issue and needed an operation, which caused me to fall behind one month XX/XX/XXXX with Wells Fargo Mortgage bank. I made payment arrangements, many calls and spoke to several representatives XX/XX/XXXX and XX/XX/XXXX to make 1 month and half payment that would have equaled 3 months Mortgage payments. This payment arrangement was approved by a supervisor. On three several occasions I had to call XX/XX/XXXX to find out why my account was not posting as current, and no response ... .. but they would make an inquiry. They finally took the money and applied it to other fees and as of this date I am in arrears for 2 months where I should be current. I contacted several supervisors at a higher level who stated they would help me straightened it out and as of this date, XX/XX/XXXX they have not. They suspended my automatic withdrawal, and my XX/XX/XXXX payment sat in the Bank. I spoke to a high level Well Fargo representative who told me, " dont worry it will come out, you have automatic withdrawals ... ..and it did not. Therefore, this made my XX/XX/XXXX payment late. Thus, all of this has affected my credit report. In addition, the treatment Wells Fargo representative gave me was disrespectful, callous and condescending. They were unwilling to hear my story, I had a valid payment arrangement that they made for me, and I kept up with my part, and they did not.

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
Consumer complaint received 03/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have tried to resolve late payments that have been reported on my credit report and they refuse to work with me. I have not been late on payments. I tried to set up auto pay and everytime it would get turned off. I have 3 accounts with them and they also have my name spelled wrong on one account so I don't even know if it mine or not.

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 05-12-2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Portfolio Recovery Associates keeps calling me from numerous phone numbers on a debt that was from 2009 and beyond the Florida statute of limitations. On various occasions they have threatened to sue me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/14/2017 about Debt collection (Payday loan debt) with Advance America, Cash Advance Centers, Inc. (OK).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: XXXX / XXXX /  XXXX   I was called by a  XXXX   XXXX  from  XXXX   XXXX   XXXX . I was informed that he was an attorney and if I did not set up payment arrangements with him that I would have fraud charges filed against me. This happened before, but it was a woman. I set up arrangements to stop her from calling then i canceled my debit card so they could n't take money out of my account. This time  XXXX   XXXX  was forceful and used many scare tactics to get me to give my information. I called my daughter and she called him back to get more information. He said that he did not state he was an attorney, nor did he admit to saying they were going to file fraud charges against me. When she asked him for more information and offered a payment of {$10.00} per check instead of the original {$40.00}, he refused and stated he would n't change the payment that was already arranged. I asked for a letter stating his refusal to accept the lower payment and he said " are you going to make the payment or not? If not I am pursuing legal actions against you. '' After that he proceeded to ask my daughter " why wont you help her make these payments '' once she got upset about that statement and told him not to talk to her that way he hung up on her. I have never even received a letter from them. Also, he called me 3 times at my job between     XXXX   XXXX   after I have told them in the past to never call me at my job.

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 04-12-2017 about Prepaid card (Government benefit payment card) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Managing, opening, or closing account

Complaint: I am entitled to XXXX payments relating to Paid Family Leave for XXXX my daughter on XX/XX/2017. Those payments come via a Bank of America prepaid debit card. The original card was supposed to have been sent to my current address on XX/XX/2017 ; it never arrived. When I reached out to Bank of America, they informed me that the only free option was to issue me a new card, arriving approximately XX/XX/2017 -- about 1.5 months after my leave began. Alternatively, I could pay {$10.00} to receive the card sooner. They refused to pay for the quicker shipment, claiming that I must have thrown the card in the garbage ( which, of course, did not happen ). 

Bank of America essentially owes me these funds, I never received them in a timely manner, and they sought to either charge me extra or further delay the payment that they owe me. This seems wrong and abusive, and I have no recourse ( i.e. not using BofA ) because they are the exclusive provider to 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 monetary relief
Consumer complaint received 08/13/2017 about Debt collection (Mortgage debt) with Fidelity National Financial, Inc ().
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: Disputed amount owing on Timeshare maintenance fees. Requested clarification of amount for purpose of settling debt. Despite numerous attempts to contact via email, the issue remains unresolved. Apparently my property was foreclosed on without my proper notification or opportunity to settle outstanding amount.

Company response to consumer: Closed with explanation