milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/25/2017 about Debt collection (Other debt) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a letter from XXXX XXXX XXXX XXXX XXXX stating that owed a bill from XXXX XXXX for {$1200.00} from an account billed to the same name that I have with an address of XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, GA. I wrote to them on XX/XX/XXXX, informing them this was not my account. They had mailed the bill to my vacation home in XXXX, CA. I gave them my home address in XXXX XXXX. Recently I received another letter from them at my vacation home in XXXX, and for the first time gave me the address of the debtor in XXXX, GA. I have never resided outside of the State of California, and the only time I was in XXXX was to switch planes in XX/XX/XXXX, and have never been outside the airport. Either someone is purporting to be me, or this is an attempt to collect an uncollectible debt, as it was charged off in XX/XX/XXXX, and the statute of limitations in California is 4 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/27/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with TRANSWORLD SYSTEMS INC (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: I was involved in a car accident in XXXX XXXX. I ran into a NJ XXXX. I was not a resident of NJ. I attempted to get NJ driver 's license years later and they informed me of surcharges that I owe ( in excess of XXXX ). I filed for bankruptcy and my debts were discharged in XXXX XXXX. I was told that my debt was not discharged as it was a court judgment. I was directed to contact a third party collection agency. I was told that a {$7000.00} judgment was now XXXX, I paid a down payment of XXXX and agreed to pay XXXX p/m. I am on social security XXXX and I have a representative payee. She gives me her card to deduct the rent each month. Transworld Systems Inc is the name of the third party collection agency. They would not allow any other method of payment than direct deposit from your bank account. I gave them my Personal Reps ' debit card information. They attempted to collect from her account. The collection was granted 2 times and never since. ( they have been declined for 12 months and never said a word to me ). Transworld Systems Inc notified XXXX that I was in default and my driver 's license as well as my registration privileges are now suspended ; furthermore I learned that my social security benefits are exempt from collection methods.The company fails to report to XXXX that they are error and in violation of FDCA. My license and registration remain suspended.To this date I have not received XXXX document from them except the notices that they send each month for the past 12 months telling me that they are receiving the funds and to direct me to make sure the funds are available. 
The last notice I received was XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2016 about Bank account or service (Checking account) with EARLY WARNING SERVICES, LLC (CA).
Issue: Account opening, closing, or management

Complaint: Early Warning is reporting a fraud situation completely barring me from opening a bank account. I was a victim of someone who tried to redeposit a check i had previously deposited by mobile phone

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with STERLING JEWELERS, INC. (AR).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I had an account with XXXX XXXX that I paid in full. XXXX XXXX/XXXX is reporting that I had collections on this account. I paid a total of {$5400.00} to this company and they are reporting that my account was written off. I paid this account in full! There were no collections on this account. They need to report accurate information on this account or remove it from my credit report. I would appreciate it they would update this account with positive information. The date opened and the date first reported is incorrect. Also this account was not written off and I was never late on this 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 09/22/2016 about Student loan (Non-federal student loan) with First Associates Loan Servicing LLC (OH).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I first got into trouble with making student loan after receiving a forbearance or deferment from First Associates of a few months. Things did not get better with me in that time and their lower payment options were just under {$100.00} which I could not afford that either, But I attempted for 3 or 4 months to pay as agreed but just could not keep up without letting something else go. I communicated this to them, however it was to no avail. The help they give is not really help at all.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2018 about Debt collection (Other debt) with Rent Recovery Solutions (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: This debt is in the amount of {$150.00} and the original creditor name is " Rent Recovery Solutions ''. The date assigned is XX/XX/XXXX. This alleged debt is in regards to the apartment complex " XXXX XXXX '' located in XXXX, TX. They have since changed their name to " XXXX XXXX XXXX  XXXX '', no doubt due to several complaints about this facility and the incompetent way they handle their business. I had rented an apartment from this complex in the fall of XX/XX/XXXX. This complex boasts that they include pre-furnished rooms in all their apartments, which includes a desk, dresser, and bed. Within one week of moving into my room, my whole body was infested with bed bug bites as the bed was infested with bed bugs that were never fumigated. Needless to say, I moved out of there as soon as possible, and the apartment head manager XXXX had agreed to refund all of my deposits and my first month of paid rent. Not only did I never receive my refund, I received a call a few years later claiming that I had an unsettled " moving out cost '' with them. I had explained my situation to the representative and thought the situation would be taken care of. Fast forward to now in XX/XX/XXXX as I 'm checking my credit report, and the dispute is still on my report. I would like this erroneous charge to be removed from my credit report as it is not only grossly incorrect, but it is negatively impacting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX XXXX XXXX is fraudulently reporting an installment account to my credit report and this is a violation of FDCPA. I have never requested a loan or credit, nor am I liable for any debt to XXXX XXXX XXXX, XXXX XXXX ( XXXX XXXX XXXX, or any factoring company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2016 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: XXXX items were erroneously entered on all there credit reporting agencies. All XXXX issues were disputed at the same time with each reporting agency. Upon investigations by XXXX and XXXX all XXXX entries were removed in their entirety. XXXX has failed and refused to correct the same issues. Moreover, they have failed to respond in any way regarding these disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2017 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (VA).
Issue: Fraud or scam

Complaint: XXXX USES WESTERN UNION TO TRANSFER CASH TO FOREIGN COUNTRIES. There are n't any signs displaying the Western Union charges of {$9.00}. XXXX charges {$10.00} instead of the correct price of {$9.00}. Please insure that XXXX charges the correct amount of {$9.00} for money transfers by Western Union and that it displays Western Union signs displaying the correct prices as soon as possible. The address of this XXXX location is:XXXX XXXX XXXX , XXXX , VA XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with EOS Holdings, Inc. ().
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: EOS XXXX debt collection agency is auto calling the above phone number with automated requests to call. I have never contracted to work with this company, and the only debt I can attribute these calls to is in excess of 10 years old and has been disputed since day one. I do not owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AZ).
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: Credit card account from XXXX has multiple charges that are not mine and were unauthorized. Charges were made by ex-spouse XXXX XXXX SSN XXXX. Ex-spouse was in XXXX and I was in the United States while these charges were made. I have tried multiple times to explain this XXXX and to come to an understanding to resolve the issue. A resolution has not been met. XXXX has reported this account as a charge off and continues to report negative derogatory every month for the past year damaging my credit score. I do not wish to establish any credit card account with XXXX.   Please see attachment regarding unsigned authorization to re-establish the account on my credit file.

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 12/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Please be advised that I am the victim of identity theft, a result of which is the reporting of negative information on my credit report. In accordance with the provisions of FACTA,  I hereby request that such negative information be blocked from my report. The specific information that I am requesting be blocked is as follows : As required by FACTA and in support of my request, I am including a copy of my police report And police report filed with a law enforcement agency. I also hereby request, in accordance with the provisions of FACTA, that you promptly notify the company or companies providing the false and negative information that the information provided by them is the result of an identity theft, an identity theft report has been filed, and an information block has been requested. Thank you in advance for your assistance in this matter. Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (FL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: This complaint is submitted for consideration as I have not received a response to my recent letter reference erroneous entries contained within my consumer credit profile at the XXXX, XXXX and XXXX consumer reporting agencies. These entries as currently reported are erroneous in nature and otherwise injurious to my true credit worthiness. Prior to initiating litigation in the United States District Court for the XXXX XXXX of Florida, I once again request assistance. Should my complaint continue to be ignored, I will seek counsel and initiate litigation to compel correction of my consumer credit profile. 

Pursuant to the provisions contained within sections 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ) ( i ) of the Fair Credit Reporting Act, I request that the below listed entries be investigated for accurateness and thereafter deleted from my consumer credit profile as they are erroneous in nature and otherwise injurious to my true credit worthiness. Since my last dispute, I have written to all collectors/creditors. Most of these creditors have responded favorably. Please investigate ALL of my concerns. 

1. ) XXXX XXXX, account number XXXX ; 2. ) XXXX XXXX, account number XXXX ; 3. ) XXXX XXXX XXXX, account number XXXX ; 4. ) XXXX XXXX XXXX, account number XXXX ; 5. ) Chase Mortgage, account number XXXX ; 6. ) XXXX, consumer number XXXX Please be reminded that pursuant to the provisions contained within section 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, your agency has an affirmative responsibility to investigate my allegations. Furthermore, following deletion and/or correction of the erroneous entries, said information may not be reinserted in the file without a certification that said the information is complete and accurate. 

Upon completion of the reinvestigation process, and pursuant to the provisions contained within section 1681g ( c ) ( 1 ) of the Fair Credit Reporting Act, I request a full and complete summary of rights with disclosure be provided for my records and review.

Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2015 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Someone got my Debit card information and started purchasing items with my card, the bank caught it and cancelled my card. I recently received bills from experian that I was receiving a service that I did n't authorize, I tried to order my annual credit report but it was denied saying I already received a free report. I need to find out what I have to do to find out who 's looking into my information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2017 about Mortgage (VA mortgage) with MORTGAGE CLEARING CORPORATION (OK).
Issue: Struggling to pay mortgage

Complaint: Mortgage Clearing Corporation ( MCC ) of XXXX, OK is dual-tracking my VA mortgage loss mitigation package ( LMP ) and foreclosure proceedings. More precisely, MCC is moving forward with foreclosure and not working on my LMP while telling me the opposite. MCC has had the LMP since XXXX XXXX, 2017 ( 2 months ago today ) and havent provided any feedback or requested any further information. On XXXX XXXX, 2017 ( 27 days after filing the LMP ) MCC sued me in XXXX County Oklahoma. MCC did not notify me of their intent. I found out about the lawsuit via snail mail I began to get from local attorneys wanting to represent my case. I called one of the attorneys to inquire as to how they knew of this situation and they referred me to the Oklahoma State Court Network ( XXXX ).  Prior to having received the letters from local attorneys, I was told that MCC was simply behind in their work and that all foreclosure proceedings had stopped until the LMP was processed. The documents filed in court by MCC state ; The Plaintiff has elected as provided in the mortgage, to foreclose In addition, MCC has not followed the other foreclosure protections outlined on the Consumer Finance website to include but not limited to ; Direct and Ongoing Access to Servicing Personnel, Fair Review Process and No Foreclosure Sale Until All Other Alternatives Considered. As it stands, I have until XXXX XXXX, 2017 to provide a written response or the judgement will be rendered against you ( me ) with costs of the action.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with FC HoldCo LLC (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX   XXXX ,    2017 I received an alert this morning from  XXXX  and  XXXX  that my complaints against Flagship Credit had  been resolved yet it has not.      Flagship Credit is reporting a higher Balance than I owe and updated the credit unions with the false information thus impacting my credit score a  violations of the FCRA.      Flagship Acceptance Credit reported that I have balance of {$19000.00} when I called and have attached a copy of my statement that shows a balance of {$18000.00} the pay off would be only around {$18000.00}. This false information caused by balance to increase on my credit score was imp acted.

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 01-08-2018 about Vehicle loan or lease (Loan) with Bridgecrest Acceptance Corporation (GA).
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint: I recently pulled a copy of my credit file and notice some inaccuracies on my report. I have account that is showing repossesion. I have never did any business with this company that is reporting this information on my credit file. I do know that it causing a lot of damage to my credit file. I have taken the steps of contacting the company and the bureaus about this matter. However neither of them never responded to letters I have sent and the phone calls that I made the companies representatives kept brushing me off. So I have no choice but to contact you guys because I totally believe my right is being violated.Please help me clear this matter up.

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 10/20/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (NE).
Issue: Problems caused by my funds being low

Complaint: My account is currently negative {$14.00} and some change. This is surprising since I have deposited roughly {$1700.00} in the last few days as well. On Friday a deposit was made from payroll that made me positive. Wells Fargo reordered ACH transactions that were done on the same day so that the larger {$400.00} payment came out before the smaller {$120.00} payment came out causing me to be charged {$35.00} overdraft fees for both when I might have had XXXX otherwise. Then a second ACH deposit came in on XX/XX/XXXX and they delayed the deposit an additional day causing me to be charged XXXX more {$35.00} in overdraft fees. Not only that, but because this puts my account negative again any transaction that clears that is current pending will cause even more overdraft fees. Wells Fargo continues to go against their own policies and engaging in behaviors to defraud their customers. This behavior needs to be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2015 about Debt collection (I do not know) with Action Collection Service (ID).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Interstate Collections continues to call me for a debt from a person who does not live here. They have been told multiple times to stop calling here, but they continue to harass us.

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
Consumer complaint received 04-12-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I 've been paying my student loans for over 7 years and it does n't appear that my payments are being appropriately allocated. Most of my payments are going directly to interests and taken extremely long to pay off. I 'm not able to get payment information past 12 months to get an accurate comparison of the progress that I 've made.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2016 about Student loan (Federal student loan servicing) with NELNET, INC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I was unemployed for approximately 6 months without income in 2014, and during this period my studend loan interest was accruing, and I was not aware I could have this deferred. I have tried to retroactively defer the accrued interest, but he debt collectors say nothing can be done. 

Please advise. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Mortgage (Other type of mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Struggling to pay mortgage

Complaint: Wells Fargo bank offered a hurricane relief plan for there customers a 90 day plan to put the payments at the end of my loan. But instead they ask for all 90 day payment in full or I would be put in default of my loan .Sent me letters asking for the payment added late charges every month on my statement. They was to help me and I feel that 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 explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On XXXX/XXXX/XXXX I discovered my credit information had been part of the Equifax hack. I am very concerned for my future now. I was planning on buying a house next year and now I feel as if everything is up in the air.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Illegal inquiries has been reported on all three reporting agencies. I disputed this with XXXX, Experian and XXXX and requested removal and none has provided validation of request for credit and i contatced each inquiry and none has validated request for credit. 

I asked for all XXXX credit agencies to remove inquiries until validation of request is complete and none have done so after more than 60 days ago.

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