milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/28/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ASSET MANAGEMENT OUTSOURCING, INC. (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XX/XX/XXXX auto accident, rushed to XXXX, XXXX insurances supplied to XXXX. XXXX doctors paid, yet XXXX Hospital did not file claims with either insurance. In XX/XX/XXXX received a letter from the Nationwide Recovery Service attempting to collect a debt. I informed them I was conscious and saw my spouse submit insurance cards to XXXX hospital officials. I subsequently over the phone gave Nationwide Recovery Service ( NRS ) my medical insurance information and they were to inform XXXX. I called both my insurance companies and found neither had a claim for my hospital to XXXX Hospital. And that I was not responsible for the bill because they had not filed in a timely manner only {$65.00}. But XXXX/NRS could send XXXX the bill ; however, the payment to them would be considerably less. They also indicated that because XXXX did not file and sent my name to a collection agency to pay, I could file a formal complaint with the Federal Trade Commission for Violation of the Fair Debt Collection Act because since XXXX doctors were paid, apparently they had my insurance info. I called NRS and passed on the info. XXXX XXXX asked if I was an attorney and if not, I could not say that. I said no I am not an attorney, but I do not have to be an attorney to exercise my rights. She then indicated she would contact XXXX and get back to me. I called on XXXX XXXX and XXXX XXXX and they gave me the same story, that I owed the bill. When I did not receive another bill from either XXXX or NRS, I assumed the problem had been rectified. When the XXXX hacked government retirees social security numbers a few weeks ago, I checked XXXX and found my credit score had dropped considerably and could not figure out why, until I came to the collection section. My credit reports reflects we have not been late on any payment since XX/XX/XXXX ( and that was because one of my credit company changed names and unbeknownst to us, we send payment to the old creditor mailing address ). I attempted to call XXXX for XXXX weeks ; however, the call would drop after holding for too long. As a XXXX, I did not want to go downtown XXXX. Finally I visited XXXX on Thursday XX/XX/XXXX. Upon speaking with XXXX at hospital, they indicated that accident bills were normally sent to their attorneys, and they had not filed the claim in a timely manner, therefore, the charge will be removed. I specifically asked about the collection company and my credit report. She indicated NRS would delete the charges and contact both credit bureaus to remove the debt. Spoke with NRS, they have deleted the debt but indicated they were not told to contact the credit bureaus. How can I get this rectified? Firstly, this should be completely expunged from my credit report. It should not say paid or whatever and stay on there for XXXX years because my FICO score will remain

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: We feel that we are being treated un fair and that there are deceptive practices happening with the 1st and 2nd lien holders of our mortgage. Both the 1st and 2nd lien holders know that we have a solid sales contract to sell our property but due to the fact of being behind of on our mortgage they are threatening and forcing us to pay unnecessary attorneys fees by sending our loans to foreclosure. Despite following all of their rules and requests they are still stating that the sales contract   that is currently in escrow is of little meaning and that we will need to pay these attorney fees. Shame on you Wells Fargo  and  XXXX  for taking the little guy out even though they have worked their hardest to pay their obligation in full back to you.

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 10/24/2017 about Debt collection (Other debt) with Amsher Collection Services, Inc. (MO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: i have debt validation request with not response and i have told them repeatedly and that the account that they are reporting is fraud and i did not open them. Ashmer Collections will not comply with any of the XXXX laws and will not give me verifiable proff. I have told them several time the accounts are fraudulent and i get no response from them or put on hold

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Debt collection (Other debt) with Collection Bureau of Walla Walla (OR).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: On XXXX XXXX, XXXX I was in court in XXXX Oregon for a claim that was filed against me by the Collection Bureau of Walla Walla XXXX XXXX on XXXX XXXX, XXXX. Listed are bills that include City of XXXX XXXX for {$37.00} which was incurred and the statute of limitations started on XXXX XXXX, XXXX when the account was closed and the deposit was applied. Oregon Law states that the statute of limitations must not exceed 6 years which is 2190 days and this bill was incurred 2205 days prior to filing. So it is exempt. There is a bill for XXXX XXXX XXXX for {$250.00} for eye glass lenses. These were never paid for nor picked up and are still in the possession of XXXX XXXX XXXX  They are not my prescription nor did I order them. In the process of figuring all of this out, Collections Bureau of Walla Walla , XXXX obtained ALL of my medical records without a court order or without my written consent. XXXX advised me on XXXX/XXXX/XXXX at XXXX XXXX XXXX that she had in her possession my medical records that listed my diagnoses, history, and medication. This claim was purposely filed XXXX miles from their office instead of filing it with the court that is only XXXX miles from their office.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (OK).
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 been disputing a missed payment that wells fargo reportedXX/XX/XXXX. I sent proof of payment to XXXX  verifying that the payment was not missed and they notified me that wells fargo assured them that the information was correct. I'm upset because this missed payment is negatively effecting my life. I sent in proof of payment and still got no results. What more proof can i send?. If the credit bureaus attempted to ask for payment history from the company then this wouldn't be happening to me. They concluded their last investigation XX/XX/. I have disputed this late payment four times. This is unacceptable. If a consumer sends proof of payment then that should be sufficient. I also disputed the missed payment with XXXX  and XXXX with she same incorrect information not removed.

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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax, a service i had no option to opt-in or opt-out of using, allowed my PII to be obtained by people with malicious intentions. The personal information that was obtained includes name, current address including address history, social security number, state issued ID number, birth date, and more. 

This information is not able to be changed like an email address or password. The impact of this situation will follow me for the entirety of my life.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2017 about Debt collection (Medical) with AMCOL Systems, Inc. (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I do have ins with my employer and I have the flexible spending acct. I do not owe any medical bill for {$50.00} I have asked for proof that this is my debt and they have fail to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2015 about Debt collection (I do not know) with R.M. Galicia, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was notified by a credit alert system that Progressive Management Systems had reported on my credit report, a collection account that does not belong to me. They ilegally reported this collection under my name and social security on the understanding that this account belongs to my daughter, and adult XXXX yrs old, living on another city. The Progressive Manager XXXX XXXX was caustic and agressive. I told him that was in the middle of a financial transaction that was being jeopardized. They blatantly and flagrantly damaged my credit unjustified, and ilegally. This account was reported and damaged my perfect credit and reputation thus damaging my reputation, morale and financial credibility.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2017 about Debt collection (Other debt) with ERC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I had XXXX satellite TV services they were no longer able to provide after I moved to locations the signal was not able to reach. I returned the equipment in the packaging they supplied, confirmed they received it and paid the final amount owed. Since then, XXXX continued to attempt collection, and repeatedly turns the account over for collection. The latest collection agent ENHANCED RECOVERY COMPANY, XXXX XXXX XXXX, XXXX, FL XXXX ( XXXX ) XXXX Reference No XXXX. About every 2-3 months, I 'm notified of another collection account and have to dispute it with the credit bureaus, who delete it until the next one pops up.This damages my credit history and scores, and necessitated time and aggravation while I needed to rest and heal while undergoing medical treatments. Please help to remove this incorrect information and hold these companies accountable for their inaccurate, sloppy and damaging practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Debt collection (I do not know) with ProCollect, Inc (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: XXXX  2017  : received a bunch of Voicemails during business hours from  XXXX . Was unable to answer due to work hours and did not owe a debt so I had no idea why they were contacting me.      XXXX / XXXX / 17  : received a letter at my mothers address in another state saying that I owed a debt. Letter says it was sent in early  XXXX  but was not post marked or received ( at the wrong address ) until  XXXX , which was conveniently close to the 30 day dispute date on the letter. I had only a few days to contact my attorney and dispute the letter after receiving it.      XXXX / XXXX / 17  : my attorney sent a certified letter to  XXXX  to verify debt and gave them 30 days to respond.      XXXX /2017 :  XXXX  has not contacted my attorney with proof of debt.      XXXX /2017 : Debt in collections appeared on credit report. Attorney never received proof of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2017 about Debt collection (I do not know) with Hunter Warfield, Inc. (DC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a letter from Hunter Warfield dated XXXX XXXX, 2017 saying I owed them {$340.00} that they werre collecting on behalf of XXXX XXXX. 

I called them today but they only take calls during normal business hours. I sent them an email telling them I have no knowledge of such debt, have never had any interaction with XXXX XXXX and to cease efforts to collect such debt. I told them if I do n't hear back from them within 48 hours I would contact the appropriate authorities. 

Nonetheless, I want to start the complaint process now before this affects my credit.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2017 about Consumer Loan (Vehicle loan) with VW Credit (RI).
Issue: Managing the loan or lease

Complaint: I got married in the   XXXX   o f 2016 and  am in the process of updating my legal name. I am currently trying to update my name, loan, title, and registration information with or throu gh Volkswagen Credit and after 2 me ssages with their online portal  and 4  phone calls  with 3 different representatives ( 4+ hours o f phone time ) I have been unable to get clear information on how to update my legal name on my  title ( updated title information is required to get my registration updated in my state ). The first representative told me to wait until my car was paid off ( 2.5 years ) to up date my legal name and failed to give me name change paper work for my online portal and instead instructed me to send in my marriage certificate with out any accompanying paper work to update all my account information. I asked this first representative if this was the official process as it did n't seem sufficient to update my portal information and title/registration and I was assured it was fine. After I found my name was not updated correctly in the portal I called again, and my second representative, informed me there was official VW paper work for the process of name change for the online portal and title/registration. I was told I needed to fill out this new paper work, get it notarized, and then fax the paper work back in. When I asked if faxing the documents was sufficient considering a notary was required, I was assured this was would be fine. Two days later I received a call back from this second representative telling me I could n't fax the paper work it must be mailed. At which point I insisted someone must check the paper work I submitted via fax to make sure it was complete before I went through the trouble of sending in notarized documents. I was told she would call me back. She later emailed me blank forms that gave me no indication if my paper work was completed correctly. At which point I called back and spoke with a third representative. I spen t one mo re hour on the phone with the third representative where she was able to explain details of the paper work the second representative could not. Unfortunately, following many questions I had with the third representative I was still unable to clarify exactly what my next steps would be to finish the name change process for my title and/or registration.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with PHH Mortgage Services Corporation (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I have my payment on auto pay. I have at times encounter that the change in payment does n't go thru. ( 3x ) I have always paid. Now at first it did n't register. But now that it has happened again I think this practice is very shady and unethical. My auto payment goes thru but since the sum has changed PHH Mortgage Co. does not apply the payment to the current month. It claim it goes to principal and therefore causes my account to go delinquent. On top of this they XXXX a late fee. So you can imagine my surprise when I received a bill more than double what I am used to paying. To top it off..To rectify the issue they have to file and wait for another department to XXXX and refund or deny etc.. in 15 days which causes me to be more late.Which puts me in jeopardy of more late fees! I do not understand how no one is addressing this. They are cause this so they can collect more revenue from customers. It should be a simple fix. 
Oh and by the way the agent are not notifying me of this I sent a check for the diff in payment not knowing there was a late fee. Now I just received a bill for the monthly payment they claim was n't paid ... yet the monies ( to their benefit ) went elsewhere. This can not be legal

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of fraud I put a fraud alert on. I called customer service they REFUSED to remove these hard inquires, I demanded they remove them for example XXXX was suppose to be deleted. XXXX XXXX does not have my social security most of these are wrong social security numbers linked to my account and or do not have permission I called them to remove all of these and they keep telling me to contact the companies. I'm a victim rock fraud inquires and most are invalid or wrong information tho it still linked to my credit file. I ask they remove all of these XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX And XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Some of them don't even have my correct social like XXXX XXXX has the wrong social and XXXX  and XXXX XXXX do not have my permission I demand them to remove all inquires from my file or I'll go to court and sue for damages, They failed to remove alll inquires I have an active fraud alert and freeze pending I ask one final tim THESE are not factual records most are wrong information and wrong social security numbers so therefore that should not be held as FACTUAL. Remove them all from my file now I will not wait two years I did not authorize these

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 10-10-2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I have a complaint against XXXX Credit reporting agencies XXXX and Equifax I have sent XXXX letters to dispute that I still Owe XXXX on A 6 year old XXXX XXXX account XXXX ) I had insurance on the card and the bank did Not Pay ( see XXXX class actions against XXXX XXXX Bank, I removed my self from all class action suites against Bank ) I owed XXXX from XX/XX/XXXX now 6 years latter they say I owe XXXX have it reporting current late and I am at 138 % of my credit line this is dragging down my credit score. I lost my Job and Wife in XX/XX/XXXX I had insurance on each card the Bank would not cover after I spent XXXX on preiums over 8 years ( XXXX ) cards Its just XXXX card they report like this also it is a card that the bank sent me a XXXX C in XX/XX/XXXX and stated as income not a debt so they take a write off and now place on my credit as being 120 days past due its been 6 years since I payed on this since the insurance was to coverPlease advise XXXX XXXX XXXX XXXX XXXX Fl XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: i had a loan mortgage for which was transferred to another lender, but prior to transfer was with XXXX XXXX XXXX XXXX. account number XXXX on XXXX of 2016 the lender is reporting a late payment on mine and my XXXX boys credit report, because they are a share holder on this house. 
so basically they are ruining and reporting inaccurate information for XXXX innocent and honest people due to their error. 
nevertheless my boys are serving this country for many years now, they are in the military and serving for 6 years now. at that time that this misinformation happened XXXX of my sons was XXXX to XXXX and we were very worried. i believe i deserve the fact to have this inaccuracy removed just for the fact that i have given my sons for this country for which i am very proud of. please i need your help to have these late removed from all of our reports. 
appreciated. i believe we do deserve after going through lifetime of worry as a military family. thank you

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 05-09-2017 about Debt collection (Medical debt) with Collection Bureau of Fort Walton Beach, Inc (MS).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I requested to validate the alleged debt on   XXXX     via registered mail. The letter requested a breakdown of fees including collection costs and medical charges, a copy of my signature with the provider of the service to release my medical information, a copy of my signature with the provider of the service accepting the responsibility of the costs associated with the services provided, and to cease any credit reporting until the debt has been validated by me.  Collection Bureau   of Ft. Walton Beach re ceived the registered letter on  XX/XX/2017   . I received the attached documentation on   XXXX   XXXX   XXXX     as verification of debt, however, the documentation does not include a copy of my signature with the provider of the service to release my medical information nor a copy of my signature with the provider of the service accepting the responsibility of the costs associated with the services provided. Therefore , Collection Bureau of Ft. Walton Beach has not verified the alleged debt and is illegally reporting an invalid debt.

Company response to consumer: Closed with explanation