milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/24/2017 about Debt collection (I do not know) with The Receivable Management Services Corporation (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XX/XX/XXXX I faxed a cease and desist letter to the receivable management @ XXXX. The letter also states if any negative information is placed on my credit bureau reports by their agency after receipt of this notice, that this will cause me to file a lawsuit against the receivable management. I requested that ability recovery services send me all the information I requested to validate this debt and they failed to do so. I requested quite a few things from the receivable management and they failed to do so. There is 2 accounts that this collection agency is harassing me about REF # XXXX. 

Public Laws 95-109 and 99-361, also known as the FAIR DEBT COLLECTION PRACTICES ACT, that there services are no longer desired. 

I need signed documentation with my signature on it.

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 02/14/2018 about Debt collection (I do not know) with BB&T CORPORATION (OH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XXXX continues to call our business about a person who does not work here, has never worked here, we don't know who they are and calls repeatedly

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 03-08-2018 about Debt collection (Other debt) with ProCollect, Inc (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Tried to reach out to them to let them know the apartment balance was paid to end the lease.. in 2013. They will not talk with me only hang up the phone and say contact XXXX but this debt is not mine. Even asked to just pay it to get it off my credit because Im trying to purchase a home and this is the only thing on my credit and thats how it was found out was never contacted by the apartments or from This company in no form shape or fashion. EVERYONE THERE ONLY HANG THE PHONE UP IN YOUR FACE.

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 12/29/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have not had a XXXX phone since early 2007. I have tried to resolve my bill in the past but XXXX XXXX XXXX keeps reposting an old bill. I have no way to provide financial info from 8 years ago and they know that so they want me to prove it to them but I have no way to do that. Is there anyway to get XXXX to find out how old it is.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2017 about Payday loan, title loan, or personal loan (Installment loan) with COMMUNITY CHOICE FINANCIAL, INC. (FL).
Issue: Getting the loan

Complaint: I was called by this company and they said there was an insurance fee of {$500.00} to {$750.00} that had to be paid in order for me to get a {$5000.00} loan. They asked for banking info to verify account ( which I have done with other companies, very common ) and the next day they deposited a {$750.00} check into my account ; the bank held the money ) when they called back the next day for me to pay out the {$750.00} I was unable to because the bank had it on hold as possible fraud. So they said that I " ran away '' with their company 's money when in reality, it was all fraud to begin with. The check came back as written from a fraudulent account and now I am negative {$1000.00} with my bank account due to fees and problems they have caused me. I want them to pay the money they cost me.

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 05/18/2017 about Debt collection (Mortgage debt) with Advanced Collection Bureau, Inc. (AL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: XXXX   XXXX   XXXX  debt collection for T   XXXX   XXXX   XXXX   XXXX   has not sent me verification of the debt. I am requesting a breakdown of the charges from the  original creditor, sign rental agreement from the creditor, payment history from the creditor, verification of the debt. They are required by law too send me the documents not just validation of the debt a billing statement with my name. I keep disputing but the collection agency does not reply too my list.

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I called XXXX XXXX on XXXX/XXXX/XXXX to ask them why they have accessed by credit file on XXXX/XXXX/XXXX and why they have put a Hard Inquiry on my Experian credit file without my authorization, I did n't get a response nor did they help me.

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 03-02-2017 about Credit reporting () with WELLS FARGO & COMPANY (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: During the recession, I incurred personal credit card debt and in late 2014 called Wells Fargo Financial to ask for an interest rate reduction to reflect the fact that my payments were never late. A Wells Fargo representative said they could n't do that but gave me the names of XXXX credit counseling agencies, which the representative said would be able to negotiate a better interest rate. I signed up with XXXX of the XXXX agencies the rep recommended and always paid the agency on time. A year later, I checked my credit report only to find that the agency paid Wells Fargo late for the first 3 months I was enrolled in their program. I went from having no late payments to several. Wells Fargo refuses to remove the late payments off my credit report or the name of the credit counseling agency from its recommended list.

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 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NJ).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: Interest kept changing without notification. Forced into forevearance because could not afford payments.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have disputed this information as being fraudulent and not mine, or opened by me. They have disregarded some of my disputed and then some they have said the accounts were verified which could not be because the credit grantor could not provide me with proof the accounts were opened by me.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2018 about Debt collection (Medical debt) with Rash Curtis and Associates (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I started receiving phone calls from a company where the rep identified herself as XXXX XXXX. She asked for my personal info and I told her I wasnt comfortable with that and she got abusive then hung up. Since the I kept getting phone calls asking for the same info, until I finally got a letter and initiated contact. 

At that point I advised the rep I wasnt aware of the debt and needed it validated after over an hour telling me I must pay it and wanted my employer info and threatened my credit and job. 

On XXXX XXXX I sent registered letters to both locations that had been calling me requesting validation in the mail and no further phone contact. USPS tracking # XXXX shows this was delivered within a week. I still continued receiving phone calls, despite my request not to. 

Finally I received a letter dated XX/XX/XXXX acknowledging receipt of my letter and sending me a typed up page showing creditor and amount owed, not a validation. The calls also continued. During this timeframe they also reported me tonyhe credut bureaus. 

I then sent letters to the credit bureaus disputing this debt after proof of the debt wasnt furnished. To date XXXX is insisting the debt is valid and I affect heard back from the other 2 agencies. 

Today, XX/XX/XXXX, I received a threatening letter that now they will be forced to take the action that the creditor is insisting they take. 

The collections agency is XXXX XXXX for XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (NC).
Issue: Loan servicing, payments, escrow account

Complaint: In previous correspondence and all replies from Wells Fargo Home Mortgage, the generated robo letter states, " Wells Fargo is unable to establish contact with me ''. With all correspondence sent and owing my home for over 10 years and not changing my phone number, email, etc. The information has remained the same, additionally I attempted to establish contact with my new point of contact ( XXXX XXXX ). After visiting the Wells Fargo branch on XXXX XXXX, located in XXXX and chatting with representative XXXX XXXX. I attempted two phone calls direct to ( XXXX ) XXXX at XXXX and XXXX, both went directly to voicemail, without a return phone call and or email, etc. I have come to the conclusion that Wells Fargo Home Mortgage does not want to solve any issue that I may have and or resolve any confusion on my accounts. What XXXX XXXX did do today, was listen to concerns intently and assured me that he would do everything in his power and control to make certain that I have a pleasurable experience moving forward. Since first contacting Wells Fargo Home Mortgage and numerous points of contacts it has been my hope to obtain some sort of resolution as to how my payments were applied. Not once did Wells Fargo Home Mortgage request any receipts, bills, proof, yet they continue to send my information to collection and foreclosure bureaus. It is disturbing that a conglomerate of this magnitude operates on such a low level. Attached are the payment history of what I have deposited on a daily basis. Store # XXXX {$760.00}. Store # XXXX {$760.00}. Store # XXXX {$760.00}. Store # XXXX {$760.00}. XXXX # XXXX {$810.00}. Store # XXXX {$810.00}. Store # XXXX {$810.00}. XXXX # XXXX {$800.00}. Store # XXXX {$840.00}. Store # XXXX {$770.00}. XXXX # XXXX {$50.00}. Store # XXXX {$1300.00}. XXXX # XXXX $ XXXX funds of {$540.00} for XXXX {$840.00}. Store # XXXX $ XXXX/Unapplied funds of XXXX for XX/XX/XXXX/Total {$1600.00}. All totaling {$11000.00}. The following information is readily available in all records of the banks, how Wells Fargo Home Mortgage chose to apply these deposits is of question. There have been several unauthorized escrow analysis without my knowledge or consent, yet I have not received a definitive answer to my concerns, just robo replies. To suggest that " We are unable to establish contact '', especially when I make the opportunity to call XXXX XXXX ( XXXX ) XXXX and contact Wells Fargo Ceo 's directly. It is my hope that anyone from Wells Fargo Home Mortgage, will address my repeated concerns.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 12/15/2017 about Debt collection (Credit card debt) with Rausch, Sturm, Israel, Enerson & Hornik, LLP (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I filed an earlier complaint regarding the collection practices of a third party organization assigned by XXXX XXXX. XXXX XXXX did not respond with validation of the alleged debt being collected on. Checks were sent via postal mail years ago to satisfy the outstanding balance on the credit card account I had with XXXX XXXX. I had been under the impression the matter was resolved many years ago. XXXX XXXX instead replied with NO documentation : no canceled checks, no financial ledger, no account statements reflecting the alleged outstanding debt, etc. I 've been the victim of financial fraud in the past and am leery of the absence of proper documentation as well as illegal collections practices XXXX XXXX has participated in over the years. 

I would like for XXXX XXXX to halt possibly predatory collections practices on alleged debt, debt that there has been no documentation provided to validate. 

I would like for XXXX XXXX to provide proof that the money paid to satisfy the balance on my credit card account held with them circa 2007 was simply not noted on the wrong account. 

I would like for XXXX XXXX to provide statements for that card account mailed to me reflecting an unpaid balance.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: The equifax data breach is the most egregious in US history affecting more than half of the country. I first read about this breach in the news, went to the equifax website to see if I was affected -- which I was -- and then afterwards see reports that simply checking this information may make me ineligible to collect damages!? This is simply evil! And then to hear equifax executives knew of the breach **for a month** before acting, giving them time to cash out their stock? Outrageous!!
The US federal government **must** act in severely punishing those involved and preventing this situation from ever happening again. Equifax should be completely dissolved as a company. This data breach is in clear violation of both the Fair Credit Reporting and the Financial Monetization Acts, and as a consumer I fully expect swift justice.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2017 about Vehicle loan or lease (Loan) with WELLS FARGO & COMPANY (CA).
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint: ON  X/XX/2013  I HAVE A VEHICLE TRADE IN PURCHASE ORDER FOR MY TRUCK TRADE IN ALLOWANCE  XXXX  ESTIMATE PAYOFF  XXXX  EQUITY  XXXX . ON  X/XX/2013  THE DEALER   XXXX   XXXX   XXXX   RESCINDED THE SALE FOR THE THE   XXXX   XXXX   FOR THE FOLLOWING REASONS PRE BANK APPROVAL. I DO NOT HAVE A CONTRACT FOR THE   XXXX   XXXX   NOR ANY AGREEMENTS OR SIGNATURES FOR A NEW CONTRACT OR MY CONSENT TO MAKE PAYMENTS TO  WELLS FARGO  FOR   XXXX   XXXX   USED VEHICLE I HAVE BEEN MAKING PAYMENTS ON IN THE AMOUNT OF {$370.00} A MONTH EVER SENSE THIS SHADY DEAL TOOK PLACE BETWEEN   XXXX   XXXX   XXXX   AND  WELLS FARGO B ANK FOR USED VEHICLES. THEY HAVE TAKEN MY TRUCK TAKEN TEN OF THOUSANDS OF DOLLARS AND KNOW THEY WANT THE CAR BACK AFTER THEY HAVE WRITTEN OFF LOAN FOR NO PAYMENTS RECEIVED WHILE RUINING MY CREDIT. NO CONTRACT SHOW ME THE CONTRACT I HAVE A CONTRACT FOR MY TRUCK I HAVE A CONTRACT FOR MY   XXXX   I HAVE NO CONTRACT FOR THE   XXXX   XXXX  . ALSO THIS  XXXX  HAS BEEN SERVICED BY   XXXX   XXXX   XXXX     XXXX   XXXX   CALIF AND NEVER ONCE HAVE THEY REPORTED A LICENSE NUMBER ON ANY SERVICE ORDERS BUT HAVE DONE SO FOR MY FIANCES VEHICLE. THIS CAR IS A LEMON FRAUDULENT NIGHTMARE.

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 10/19/2016 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I dispute this debt belongs to me so I repeatedly requested validation. I received no documentation in response to my requests so I called Midland Funding via telephone and they confirmed they have no documents whatsoever. As there is no evidence of this debt at all, the trade line should be deleted from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/20/2016 about Payday loan () with TMX Finance LLC (GA).
Issue: Charged fees or interest I didn't expect

Complaint: I got a loan from a Payday Place in XXXX GA. When I took the loan out 3 mos ago they told me that it was an installment loan and i agreed i didnt have to put any of my stuff up the man behind the counter told me he already took care of that. I asked him and he showed me a paper of many items on a list I told him that I dont own any of that and he told me dont worry that he makes up paper work all the time so he told me my 1 st payment will be around {$70.00} dollars because I am on SSI check I get once a month. I get {$680.00} to live on a month for myself and my younger son. I went into pay my 1st payment and since i was 1 day early I had to pay a fee of {$110.00} that upset me I asked the lady where that man was that took my loan app. And she said that he is not with the company anymore so they moved me from a installment loan to a 30 payday loan i could not pay {$700.00} back to them so the lady told me that she will keep my payments low. On XXXX XXXX XXXX I called Insta Loan in XXXX Ga, and told them that I am sending a friend in to pay my payment of {$70.00} i told them i was sending a little extra of {$80.00} dollars The lady was very very rude to me she said that since i was paying early that i had to pay {$90.00} and if I didnt pay that it will cost me each day of being late {$35.00} dollars. They have called me everyday for 10 days now and told me that I have no rights. They called me day and night and even on there own cellphones. I called then yesterday XXXX XXXX XXXX and the lady at Insta Loan told me that if I did have {$200.00} To her I will be in jail she was so rude to me My XXXX are falling apart ehat can I do. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: i am ( XXXX XXXX ) the Executrix of my aunt and uncle, XXXX and XXXX XXXX estate. My aunt was in a nursing until she passed in XXXX of 2014. She incurred bills from the nursing home in the amount of XXXX plus. Her debt is coming out on my credit report. I am not the responsible party only the representative/ Executrix and thus have no personal liability for this debt. I sent TransUnion all documents showing this is not my debt and they will sont remove this from my credit report. i need this off of my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ERC (CT).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: A creator is reporting a balance I know nothing about.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On XXXX/XXXX/XXXX I learned of a large breech of security by Equifax. According to their records my personal information was compromised. I believe that they mismanaged the safety and security of my private information and identification ; and failed to quickly and thoroughly notify those who were effected by the security breech. I have placed a fraud alert on my accounts but would like to be able to freeze my accounts without being charged due to the compromise of my information due to Equifax 's incomptence.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
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 sent out several dispute leeter stating to remove incorrect items the are reporting on my credit reports if u cant show me original documents stating the debt is mine or show me proof of what u verified.

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 05-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On XXXX XXXX, 2017 I was doing refinancing of my Mortgage and my credit was ran and the loan officer discovered that I had just received a student loan and my response was that I do not have any student loan. Here is the info about the student loan : XXXX XXXX Account : XXXX  Opened on XXXX Amount : {$1000.00}

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 01-03-2017 about Credit reporting () with EQUIFAX, INC. (OK).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: Equifax is taking too long to send disputed results.

Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2016 about Debt collection (I do not know) with Acquired Assets, Ltd. (CA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: my credit report have an account close with pending balance of {$630.00} from Allen Asoc. i do n't what is this. was reported as public record and is affecting negatively my fico score.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation