milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-10-2017 about Debt collection (Medical debt) with Commonwealth Financial Systems, Inc. (AZ).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Commonwealth Financial is a collection agency. The placed a major derogatory collection account on all three of my credit reports for {$1000.00} for some unknown medical fees. I contacted them via letter requesting all information concerning alleged debt, such as who the original creditor is, address, contact info, etc. All they could provide to me was their own computer print-out with no description of any kind as to what services were provided and by whom, and no other information whatsoever. The supposed services were from XX/XX/XXXX. I contacted them again by phone on XX/XX/XXXX and spoke with " XXXX ''. He could provide no further information, saying only that the medical group or original creditor had written off the amount a few years ago and that XXXX XXXX was now the owner of the written-off debt. I was then told I needed to file an ID theft complaint and a police report. I did that and faxed it to them. Commonwealth and XXXX XXXX are notorious shake-down operators that attempts to extort money from persons by damaging their credit until you pay them off. They should be shut down and put in jail.

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (NY).
Issue: Application, originator, mortgage broker

Complaint: We have been delayed in our mortgage payments for the past months because of a XXXX and Wells Fargo Mortgage XXXX tried to enroll us in their loan modification program. We were asked by our direct contact in the company to remove some liens on the property so we can move forward with the loan modification application which we did by going to the XXXX courts and have the judgments vacated and liens removed.. Unfortunately, as soon as we have submitted the court documents, Wells Fargo informed us that the court documents are not enough paperwork for them to get us on board with their loan modification process and that we are headed to foreclosure. We have documentations of ALL communications sent over to Wells Fargo as well as confirmation on the phone that if we are able to deliver the court documents to them on time then we can get the loan modification application approved. This is big bank trying to harass small American citizens with threat of foreclosure even if we have had the mortgage for almost XXXX years with them and it is even an ARM XXXX. Even with a life event, the bank is not willing to give us the chance to recover from our loss of income and take advantage of any available program to keep us back on track and keep our home.

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2015 about Credit reporting () with EQUIFAX, INC. (DC).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have attempted to dispute the date of XXXX delinquency of an account from XXXX 2008 as listed on my credit file to XXXX 2008. 

I have attempted to have this information corrected XXXX and XXXX times I have been provided with an account history that shows the account became delinquent on XXXX, XXXX, 2008 and was never brought current ; however, I was told, via letter, that they will only validate the debt once more and my disputes are now considered frivolous. I do not feel that incorrect data on my credit report is frivolous. 

It is possible that I disputed incorrectly the XXXX time, but the XXXX time I was very explicit that I was disputing the Date of First Delinquency and this is evident from the information provided to me from Equifax stating that XXXX XXXX XXXX has verified that the date is being reported correctly. 

Since I can not get a resolution from either party, I have no recourse but to file this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with CAVALRY INVESTMENTS, LLC (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: When checkiing my credit reports I noticed a collection from Cavalry Spv and XXXX with XXXX XXXX as the original creditor. This debt does not belong to me. I have filed a lawsuit against XXXX for ID theft and damages to my credit report. This collection account on my credit reports has caused added stress to an already unfortunate situation. I plan to have my day in court and sue for damages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/17/2016 about Debt collection (Credit card) with SQUARETWO FINANCIAL CORPORATION (NE).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: This complaint is in regards to Square Two Financial. Refer to CFPB case number XXXX regarding CACH, L. L. C. Square Two Financial has utilized my entire social security number to include date of birth on the pfd document listed with this complaint. The initial complaint was with CACH, L. L. C. and not Square Two Financial. This is in breach of the following : 1. Identity Theft Assumption and Deterrence Act of XXXX 2. Privacy Act of XXXX XXXX. Social Security XXXX 4. XXXX Privacy Act-which carries a maximum XXXX fine for each calendar cap year. 
5. Breach of Title XXXX, XXXX XXXX XXXX XXXX under XXXX and XXXX The solution is to have CACH, L.L.C handle this correction and not Square Two Financial. Two Square Financial submitted the XXXX XXXX XXXX with their subscriber name on the form listed on CFPB case # XXXX they are rendered liable in this matter. In addition, there is an account number associated with this Universal Data Form and they could use that account number instead of a SSN and DOB which is against XXXX XXXX XXXX This is also includes removal of the XXXX XXXX Form off of CFPB case # XXXX listed as a pdf document attached to this case number. Square Two Financial was contacted at XXXXXXXXXXXX as of XXXX/XXXX/XXXX by e-mail in regards to this matter. In addition, all of my information is not for sale and distribution via fax, fax-scanned, copied, stored in a retrieval system, recorded, transmitted digitally or electronically without my expressed written consent. This information is protected under copyright and publishing laws of XXXX XXXX and XXXX XXXX. This information is protected under the XXXX XXXX XXXX XXXX XXXX under the freedom of speech under XXXX XXXX XXXX to include the Uniform Commercial Codes XXXX and XXXX. These rights are reserved world wide.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2016 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (PA).
Issue: Problems caused by my funds being low

Complaint: My bank, Citizens Bank, is trying to charge me an overdraft fee when I was not overdrawn at any time. When I contacted them, they said it was for a transaction from 5 days earlier, although my account shows that I was never in the negative. They tried to say that " maybe it was from a pending transaction '' although they could n't find it. They said they would research it and get back to me at a later time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/13/2017 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I 'm submitting this complaint due to the lack of concern for the consumer by the credit reporting agency. I sent a copy of my verification to include State drivers license and social security card and requested that my personal info be updated and told the agency which names need to be removed. They continue to report XXXX as my name. My name has never been XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (AK).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I paid {$1200.00} on my credit card. it was not credited to the balance which did not change. as I enquired further, I learned wells fargo would still charge monthly interest on the {$1200.00} I paid for the full month. this is fraud. I discussed this with a banker at wells fargo on XXXX.17 as well as a person-by phone- from XXXX credit casrd

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 01/26/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: After Checking My Credit Report Thru XXXX....XX/XX/XXXX...It Was A Charged Off Account From Capital One XXXX  That Was Not Mine On My Report....I Called Capital One, XX/XX/XXXX..Using My Social Security Number....Nothing After Waiting For Several Minutes...I Was Connected To A XXXX XXXX...Which Transferred To A XXXX In The Dispute Department That Put Me Onhold....She Then Stated She Can Not Locate Such Account...She Then Stated She Will Turn This Over To Their Investigation Department For Further Review....So After Spending Over A Hour With Capital One On Several Occasions, I Have No Solution But Have Now Not Only Is It Reflecting Negatively On My Credit Report But I Received Several Calls From A XXXX XXXX At XXXX....XX/XX/XXXX....Stating He Is From XXXX XXXX XXXX.....

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Security Credit Services, LLC (NC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Original complaint XXXX, this was not taken care of at all. In fact the phone number listed does not work. Today we found out that Why Not Lease aka XXXX sold this debt to Security Credit and that was done on XXXX XXXX 2017. Now we received a debt letter which we received the XX/XX/XXXX, we had no idea what this was for so set a validation letter which was sent XX/XX/XXXX by certified mail, again nothing has been received at all. 
Today I woke up to Security Credit being added to my credit report ( XXXX and XXXX at the moment ) and has dropped my score significantly and I was set to buy a home. The agency that is servicing this for Security Credit is XXXX XXXX where the letter was sent to, when I called them today they confirmed they did get the validation letter and they have the response ready to be mailed but have not yet ( XX/XX/XXXX )  however someone placed this on my credit when I asked for validation. 

Also this debt which is not valid at all and was sold illegally to another company.

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with DISCOVER BANK (FL).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: When trying to access an y credit score infor mation regarding my credit account with  XXXX  I get an error message after answering the verification questions repeatedly I even tried to access my annual credit report online and on   XXXX   website to no avail however when uploading proof of my identity in the dispute section they verified me and mailed me a report however I still can not access my score I see  two accounts  are positively reporting with them so I know I have a file but every time I try to access my   XXXX   score on   XXXX   or on  XXXX  or discovers scorecard I get locked out I need to be able to access my free   XXXX    fico score  I have similar problems with  XXXX  however  XXXX  has no problem identifying me I was able to access my report online they all have my updated mailing addresses to my  XXXX   XXXX   since w e have reported that with the credit companies and an official change of address so I do n't understand what is locking me out

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2016 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I have been attempting for several years for my mortgage servicing company ( SPServicing ) to remove the private mortgage insurance from my loan. Several years ago they were provided an appraisal from a licensed appraiser that also showed the loan to current value below 80 %. I have also made sufficient extra payments to have the loan at 65 % of the original loan value and they still refuse to remove the PMI. Multiple attempts to correct this have been made in writing, to which SPServicing only responds with a form letter advising they are following company policy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2018 about Debt collection (Medical debt) with Commonwealth Financial Systems, Inc. (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I tried to find out about this charge with no luck. I 'm not sure why this was n't sent to my insurance company if this is for me..

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2017 about Debt collection (Credit card debt) with Experian Information Solutions Inc. (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: This company reflects this debt as inaccurate. It shows as open debt when it is not open and I have never had a contract with XXXX XXXX XXXX. The credit reporting agencies are constantly reporting this in error, which is a violation of FCRA. 

In addituon, XXXX XXXX has yet to provide proof of the required surety bond needed to collect in the state if Texas per the Texaa Finance code. I am requesting this information within 10 business days. This company is headquartered out of XXXX. The credit reporting agencies are in  violation of the Texas Finance code for allowing this debt without the proper surety bond per my state of residence.

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 09/29/2016 about Debt collection (Medical) with OPTIMUM OUTCOMES, INC. (TX).
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint: Optimum Outcomes, a collection company in North Carolina, has twice made false statements in an effort to intimidate and harass. First, it indicated it would seek a judgment in this matter, while at the same time offering to settle. Second, it alleged I did not submit my request for verification within the 30 day window. That is not true.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ATG Credit, LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: ATG Credit ( XXXX ) is trying to collect a debt they claim I owe from a company XXXX XXXX XXXX for {$79.00}. They say its for an apartment that I moved out of in XXXX 2012 called " XXXX XXXX '' at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, FL. I closed my accounts then with XXXX and XXXX. I never had an account with XXXX XXXX XXXX and I ca n't even contact them. XXXX shows my account is closed with {$0.00} balance. The XXXX management has assured me that they never send anyone to collections. XXXX XXXX XXXX is submitting this claim FRAUDULENTLY and no one is willing to help me. 

ATG Credit is incredibly rude and will not give me any information other than to say you owe {$79.00}. I am supposed to just them the money blindly without knowing if they will then keep coming back for more? 

I do n't want this to affect my credit, and need help from someone. 
Please help me! 
- XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BB&T CORPORATION (NC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Spoke to bbt, forwarded documentation supporting my claim of this account being fraudulent. It was agreed to be removed, but still showing on XXXX. I have also today ( X/XX/17 ) contacted my lawyer who will be sending out intent to sue letter, I have had my rights violated under the fcra. Asking that this account be removed from the XXXX file immediately.

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 03-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have asked Experian to provide copy of sign agreement, applications, and any other documents that show three accounts are being reported accurately. Experian said each account was being reported accurately, but never provided any documents to prove so and all three accounts still show inaccuracies listed below. 
Dispute Letters Sent : XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX o Inaccurate Date opened, conflicts with XXXX and XXXX o Inaccurate Contact Information for address, conflicts with XXXX and XXXX  o Says Payments were made on to creditor on XX/XX/XXXX and XX/XX/XXXX and also reported it was charged off. I never made payments to XXXX XXXX XXXX   on those dates and how can payments be made to a charged off account? 
o Reports {$0.00} high balance, XXXX reports {$450.00} o Theres an XXXX month gap between date opened and first month reported, what documents with my signature or application were provided to verify account before being reported. 
o Failed three times to provide copy of signed agreement to show theyre allowed to report account per section XXXX XXXX XXXX XXXX o Inaccurate Date opened, conflicts with XXXX  o Inaccurate Contact Information for address, conflicts with XXXX  o Reports {$0.00} high balance, XXXX reports {$240.00} o Reports failed to pay on XX/XX/XXXX, XXXX reports Paid as agreed o Failed three times to provide copy of application, signed agreement, and all other documents to show account is accurate per section XXXX XXXX XXXX XXXX XXXX XXXX o Inaccurate Date opened, conflicts with XXXX   o Inaccurate Contact Information for address, conflicts with XXXX o Reports {$0.00} high balance, XXXX  reports {$590.00} o Reports failed to pay on XX/XX/XXXX and XX/XX/XXXX, XXXX   reports Paid as agreed o Failed three times to provide copy of application, signed agreement, and all other documents to show account is accurate per section XXXX Conclusion : Experian has failed three times to accurately verify the account or never attempted to verify account

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 02/23/2018 about Debt collection (I do not know) with Global Credit & Collection Corporation (AZ).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: I have received multiple threatening phone calls from Global Collection Agency. The first one said that they are a law office and a civil grievance has been placed against me and if i do not respond immediately then i will be taken sued.Then I had another call come in saying they are going to place an order of location with XXXX XXXX and contact my employer over voicemail. I called back the number the person " XXXX XXXX left ''. The lady just answers as " legal department '' and I asked more information about company and the lady was very rude. No one told me why i am supposedly being sued, I didn't give out any of my personal information because i felt like this was a scam. I asked which state and county she represented for my " case '' and she said all states and counties. I searched with my county the case number they gave me and i told them it was fake and that this was a scam and to do not contact me again. She said " whatever lady we will see you in court '' and then hung up phone.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2017 about Credit card or prepaid card (General-purpose prepaid card) with First Data Corporation (MA).
Issue: Unexpected or other fees

Complaint: Several months ago, I bought a  XXXX   XXXX  in  XXXX  and activated its prepaid feature. The fee schedule (   XXXX   XXXX   XXXX   ) states that there is a monthly fee ONLY if no money is loaded to the card in an 18 month period. I have been loading money and using my card but was still assessed the {$2.00} fee in each of the past 3 months. I have called customer service 5 times about this, and they did not fix the issue. They also gave me incorrect information about what the fees on my account are and refused to transfer me to a supervisor.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06-05-2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: on   XXXX   XXXX  2017    i recieved a letter from midland funding llc. about a credit debt thinking it was a scam i ignored it. went to apply for auto loan and was denied due to collections ( midland funding llc. ) I went on to the credit beauro 's sites and posted disputes not one but twice after midland funding refused to accept the fact i had disputed it as fraudulent i called them and they did not want to listen as i told them if was a fraudulent account and the bill was not mine far to say they said i would have to have proof well i filed with the federal trade commission identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/18/2016 about Debt collection (Credit card) with URS Holding, LLC (NY).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: On XXXX XXXX, 2016 at approximately XXXX United Recovery Systems called my place of business asking for my husband. This is completely inappropriate. This is clearly not my debt and even if it were they have no right to call my place of business. They asked to speak to my husband and when my secretary said " do you mean XXXX XXXX '' the agent responded of that must be his wife. We will call back. Please do not allow these criminals to call back my place of business for a debt they think my husband owes them.

Company response to consumer: Closed with explanation