milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Omega RMS, LLC (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Re : XXXX XXXX {$100.00}, XXXX XXXX XXXX XXXX, Omega RMS {$3100.00} To Whom It May Concern : This letter is in response to your recent claim regarding Acct # XXXX, which you claim such as I owe an amount of {$100.00}, {$760.00}, {$3100.00},. Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : 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 06-07-2017 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 information incorrect

Complaint: XXXX   XXXX  IS REPORTING THE ACCOUNT #  XXXX  WITH OUTSTANDING BALANCE, WRONGFUL DATE OF EXPIRATION AND REPORTING THIS AS A REVOLVING ACCOUNT WHEN IT IS A MORTGAGE.   ACCOUNT IS TOO OLD TO BE ON FILE HAS PASSED A 7 YEAR STATUTE OF LIMITATIONS AND IS IN VIOLATION OF FCRA RULES AND REGULATIONS REMOVE THIS FROM MY REPORT IMMEDIATELY AND ACCORDINGLY I HAVE CONTACTED  XXXX   XXXX  SEVERAL TIMES WITH NO LUCK, NOW THEY HAVE CHANGED THE STATUS OF THIS ACCOUNT TO FORECLOSED WITH EXPIRATION DATE OF  XXXX  WHEN IT WAS REPORTING  XXXX  OF  XXXX  AND THEY ARE REPORING SAME ACCOUNT DIFFERENTLY TO  XXXX  CREDIT BUREAUS ... THIS IS A VIOLATION OF FAIR CREDIT REPORTING ACT AND A VIOLATION OF FAIR COLLECTION PRACTICES. I 'M DEMANDING  XXXX   XXXX  TO DELETE THIS ACCOUNT FROM MY CREDIT REPORT IMMEDIATELY IN ACCORDANCE WITH FCPB AND FTC RULES AND REGULATIONS

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 01/20/2016 about Credit card () with WELLS FARGO & COMPANY (GA).
Issue: Other

Complaint: Almost a year ago, ( in XXXX ) I started with XXXX XXXX and was given the phone number XXXX. I started receiving debt collection calls from Wells Fargo ( and several other companies ). I told them REPEATEDLY that I was not the person they were trying to reach ( XXXX XXXX XXXX. I phoned and spoke with XXXX different people who said they would take care of the daily calls and the calls NEVER stopped. I ended up writing to their headquarters and received a letter in response. It took another several calls before the calls finally ceased. Today, after almost XXXX year later, I received another call from Wells Fargo trying to contact XXXX XXXX. Obviously they have never up-dated their records. Why must I be getting these phone calls just because Wells FargoXXXX, etc. were XXXX enough to give this person credit? I am sick and tired of using my contract minutes ( on my phone ) trying to straighten this out!!! What else can I do?????

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2015 about Consumer Loan (Installment loan) with WELLS FARGO & COMPANY (LA).
Issue: Managing the loan or lease

Complaint: Wellsfargo bought out the prior company that managed Dillards and I was no longer getting my bills. Account was paid off during transition and then I made a purchase but never received the bill. Now they are reporting it late. A lot of my info did not transfer over from the XXXX company to WF

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/21/2016 about Debt collection (Medical) with Harris & Harris, Ltd. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: For medical services rendered on behalf of my daughter in XXXX XXXX, I gave XXXX XXXX XXXX in XXXX, Illinois my insurance card so they could submit the claim to the insurance company. They apparently entered the insurance information inaccurately, and insurance coverage was initially denied due to the hospital providing the wrong policy number. When I discovered in XXXX XXXX that I was being billed for the full amount of {$4800.00} ( an outrageous amount for a XXXX, but that is another issue ), I contacted the hospital to determine why I was being billed for the full amount and why insurance had n't covered some portion of it. I once again gave them my correct insurance information, and they advised me they would take care of resubmitting the claim to the insurance company and would resubmit a new bill to me once my medical insurance had been properly submitted. Instead of receiving a corrected bill, within two months, I began receiving harassing notices and calls from a collection agency for the full amount of {$4800.00}, so I contacted the hospital again. I once again explained the situation, asked them to resubmit the claim to the insurance company, and asked them to contact their collection agency and remove the claim from collections and to contact any other credit reporting agencies to which the information was sent that may affect my credit score. Long story short, none of this ever happened. I have contacted the hospital four separate times about this, and each time I was assured the problem would be addressed. I also have explained the problem to the collection agency ( Harris & Harris ), and they say they can do nothing about it. Today I received another harassing call from the collection agency, so I contacted the hospital yet again. They advised me for the first time that they finally have received reimbursement from the health insurance company, reducing the balance due to {$430.00}. I advised them that I would be happy to pay that amount in full, but I needed them to contact their collection agency and the credit reporting agencies to fix their mess so my credit score would not be affected. Despite having never received a corrected bill showing the new amount, I did pay the {$430.00} in full over the phone. Nevertheless, the hospital 's account personnel advise me they can do nothing about their collection agency and my credit score even though it was entirely their fault. Please let me know what can be done to remedy this situation. Should I file a claim? Given the amount of trouble and harassment I had to endure combined with the damage to my credit score that the hospital tells me they will do nothing to remedy, I believe I am entitled to statutory and compensatory damages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2015 about Consumer Loan (Installment loan) with GVA Holdings, LLC (WI).
Issue: Taking out the loan or lease

Complaint: I was advised that I was approved on Friday XXXX/XXXX/2015. I had to call back to provide my debit card number. I was assured I was approved on Friday and when I called back on Monday, I was again assured that the loan was approved. However, no funds were deposited on Monday XXXX/XXXX/2015. I asked for my bank balance and the loan was denied after giving my bank balance after underwriting was contacted. 1. My loan was approved on Friday. 2. My balance has nothing to do with an underwriters decision from Friday but denied today. 3. As a result of their actions, I am in deeper debit by - {$640.00}. 4. I asked why was n't I informed of this deicision before now? He had no comment. I asked for a review of this decision but I was denied. The manager refused to give me anything other than his first name : XXXX and stated he will send me an email by XXXX. I signed a contract by eform and the loan was approved but the leader refused to issued to loan or pay for the fees resulting in misinforming me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ProCollect, Inc (MS).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Pro Collect is trying to collect on a debt that does not exist. After moving from The XXXX Apartments I moved in good standings and received the deposit back. I have explained this numerous times and they will not even look into it. Customer service is very rude and demanding payment.

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 12/17/2017 about Debt collection (Other debt) with Hunter Warfield, Inc. (MS).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This company continues to charge a fee for what they list as a charge off, closed account or open account. Finally received some paper work and they say it 's from a rental agreement from breaking a lease 6 months early. The rental company is denying a lease broken. The amount once it 's disputed will increase a dollar or two every couple month. So my question how can they keep charging interests on account that they never started or I never sign a contract? The other problem is they keep returning on my credit report once it is removed. They make sure it is.

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 01/18/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CO).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I was a victim of predatory lending through XXXX XXXX ( now Navient ). I was given XXXX loans at 12.8 %, 10.25 %, and 10 % and at the age of XXXX and just recently graduated from college at XXXX. During this time I have accrued so much debt through student loans that I now owe {$170000.00}. I am unable to make my monthly payments and my federal loans have not even been added to my monthly payments yet. The company has not been willing to work with me to adjust my interest rates and have only offered to lower my month payments thus making me owe more in the long run. These interest rates are not what the next generation of students are being offer and have resulted in me being inundated with so much debt that I am unable to start a life after college. These companies need to be working with their older students who have been stunted by a very flawed system.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with SYNCHRONY FINANCIAL (TX).
Issue: Unexpected or other fees

Complaint: XX/XX/2017 an unknown hard inquiry showed on my report. the campany is XXXX but i could not find it on the system thanks!

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 01/21/2018 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 have contacted the three credit bureaus regarding the accounts stated below. I have asked the bureaus to place a fraud alert on my credit report to stop any further fraud from occurring and I have asked them to dispute the unauthorized accounts. 


XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX  XXXX - XXXX XXXX XXXX XXXX - XXXX I am not able to see what dates the accounts were opened.

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 12/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I FOUND PUBLIC RECORD ON MY CREDIT REPORT IS INCORRECTLY PLACED ALONG WITH 8 ACCOUNTS IS NOT EVEN BELONG TO ME : 1- XXXX XXXX XXXX ACCOUNT # XXXX 2-XXXX ACCOUNT # XXXX 3-XXXX ACCOUNT # XXXX 4-XXXX XXXX XXXX XXXX ACCOUNT # XXXX  5-XXXX ACCOUNT # XXXX 6- XXXX/XXXX ACCOUNT # XXXX 7- XXXX XXXX XXXX  ACCOUNT # XXXX 8-XXXX ACCOUNT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Hi, I want to buy a house and borrow Heloc and I have found out that one of the mortgage loan got mixed up with my sister because we both have same XXXX. This is the second time it happened to me and I tried many times trying to dispute with Transition and call XXXX about the error but they just to point their finger at each other. It has been more than 2 weeks now and I am running out of time to clear the credit report so I can close the transaction on XX/XX/2017. Please help me resolve this issue as soon as possible. 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 non-monetary relief
Consumer complaint received 06/15/2015 about Debt collection (I do not know) with Global Recovery Group (IL).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: Global Recovery Group called my phone threatening to call my relatives and they did - stating I was under investigation. Scared my daughter, asking for my address. I do n't owe this company. I read they are debt scammers. When I phoned them they mentioned they needed my phone number and another department called. They are terrible!

Company response to consumer: Untimely response
Consumer complaint received 10-06-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have XXXX hard hits on my credit report that I 'm not making

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2017 about Payday loan, title loan, or personal loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (CA).
Issue: Getting the loan

Complaint: On XXXX XXXX 2017 I arrived at Onemain Financial Branch located in XXXX California. I proceeded to apply for a loan and was informed I was approved for XXXX by associate XXXX and her District Manager XXXX. I was unable to stay later to complete application due to having to go to work and was informed I could go to another branch closer to me to complete application if needed. I went to XXXX XXXX California branch on XX/XX/XXXX and was informed I could not be approved. They did not ask for my most current paystub or any documentation and added inaccurate information to my application so it then showed I was not approved because my debt to income ratio was not accurate. I was extremely confused and upset because I had expected I would be getting funded. Although the original underwriter, the district manager approved my loan initially I was informed it could not be funded due to the information received by the XXXX XXXX location which was not accurate. They added payments to my application that were n't actually payments. If you approve someone initially as a company I believe you should honor that. I do n't understand the inconsistent underwriting and I think that needs to be dealt with company wide. As a previous customer who made her first payment on time and paid off loan I am also extremely disappointed in their practices.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 about Debt collection (Other debt) with Capstone Credit & Collection, LLC. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I moved from the XXXX XXXX XXXX at the end of XX/XX/XXXX or the XX/XX/XXXX. My lease ended on XX/XX/XXXX and it was agreed between myself and the property manager that they would keep my security deposit in lieu of XX/XX/XXXX rent. I cleaned the apartment and left the key. I have never received a call, email, nor a letter in the mail from the XXXX XXXX XXXX stating that I owed them any money. I had all of my mail forwarded to my new address when I moved from the XXXX XXXX XXXX. 

On Wednesday, XX/XX/XXXX, at XXXX, I received a phone call from Capstone Collections stating that I owe {$690.00} to the XXXX XXXX XXXX for cleaning fees and change of lock. Prior to this phone call, I have never received a phone call nor letter in the mail from XXXX XXXX stating that I owed anything to the XXXX XXXX XXXX. Because I was disturbed and caught off guard with the call, and I did not want anything to hit my credit, I asked what I needed to do to keep it from hitting my credit. The lady told me that I could pay {$100.00} a month until it 's paid off. I asked for her to send me something in writing and I gave her my address. 

On Sunday, XX/XX/XXXX, I checked my credit report on XXXX XXXX, and saw that Capstone was reporting on my credit report as of XX/XX/XXXX, and that the account was opened with them in XX/XX/XXXX. To date, I still have n't received anything in writing from Capstone. 

Finally yesterday, XX/XX/XXXX, I received a letter in the mail from Capstone dated XX/XX/XXXX title ***Credit Bureau Alert*** stating if I do n't respond they will send the debt to the bureaus. The account has already shown up on my credit from Capstone!!!

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2016 about Debt collection (Credit card) with CITIBANK, N.A. (NY).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: Was told I would have to appear in court with no date specified also the agent and I quote " good luck in court '' and then hung up ... At the age of XXXX I did not have a credit card with a XXXX credit limit which I tried to explain to him and at that point is when he hung up on 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 01/16/2018 about Debt collection (Other debt) with Valley Collection Service, LLC (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This Company Valley Collection Serv is attempting to collect a DEBT that I DONT OWE!! 
they are letting someone else who is occupying the address XXXX XXXX XXXX use my name for their utility service!! I have written them a letter and tried to get this handles and fixed they have failed to fix it and are still reporting the inaccurate and false information on my credit report. 
I have not lived at the previous address. I have not been using their utility service, I asked them to provide me with legal proof that this is my debt and they have failed, all they sent me was the amount owed!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2017 about Debt collection (Payday loan) with CNG FINANCIAL CORPORATION (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: The collection rep assigned to my account threatened to send faxed documents to my employers and ensure I pay them. Keep in mind I attempted to notify the rep she was threatening me on a recorded phone line. I have email receipts showing twice were an incorrect zip code is still being entered on their part and XXXX continues to contact a phone number that they have NO AUTHORIZATION to call!!!! I have an email confirming the incorrect zip code was entered again! I also have an email confirmation from my employer reflecting the same issue!

Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2015 about Debt collection (Non-federal student loan) with Navient Solutions, LLC. (IL).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: Calling at XXXX. Trying collect debt that was charged off since 2009. I have been unemployed for XXXX years. And having a hard time finding a job. If did have a job. I would definitely pay my bills. And they did n't read me fdca act until later in the conversation.

Company response to consumer: Closed with explanation