milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Designed Receivable Solultions, Inc. (CA).
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: Unverified Accounts : I have recently received a copy of my credit report from all 3 bureaus and found a number of inaccuracies pertaining to the accounts listed below. I have contacted said bureaus to dispute these reports requesting, specifically the SIGNED contracts that they have on file with these companies. Not ONE company returned any signed contracts as requested because I DO NOT HAVE CONTRACTS with any of the companies. I have not received goods or services from ANY of the listed companies and yet they continue to report erroneous accounts to the credit bureaus simply stating that they have verified the account without any signed contract.
FCRA Under Section 611 ( a ) ( 5 ) ( A ) ( 1 ) States " ALL 3 credit reporting agencies must have ORGINAL signed paperwork in their physical possession before they can report it to you credit file. '' These entries on my credit report are in direction violation of this section as well as FCRA 15 U.S.C Section 1681i : states " All unverified accounts must be promptly deleted from a consumers credit report ''. Yet these accounts still remain without the bureaus requiring the signed contracts as requested.
It was requested that these accounts be deleted if said signed documents were not produced. Original request was last sent to all three credit bureaus on XXXX XXXX, 2017. The creditors listed on my reports are as follows : Designed Receivables Acct # XXXX Bal : {$380.00} Designed Receivables Acct # XXXX Bal : {$1700.00} XXXX XXXX XXXX XXXX No Account # listed Bal : {$27000.00} XXXX NO Account number listed Bal {$0.00} XXXX XXXX Account # XXXX Bal {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2015 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I requested twice that this debt record be removed from my credit report on Equifax as it is 13 years old. The debt was originally from XXXX XXXX and now listed as XXXX. XXXX XXXX has removed the debt from my credit report. Equifax has not and keeps returning a response that the debt belongs to me and does not address the age of the listing on my credit report. I have spoken to Equifax by phone and made a written request. 
XXXX has never contacted me or sent a statement. The amount of debt listed is incorrect. Please assist me in getting this debt removed from my credit report.

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 EQUIFAX, INC. (FL).
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: 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 Equifax, 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 XXXX, account number XXXX ; 2. ) XXXX/XXXX XXXX, account number XXXX ; 3. ) XXXX XXXX XXXX, account number XXXX ; 4. ) Bankruptcy, case 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.
Your anticipated cooperation on this matter is appreciated. I look forward to hearing from your office within the next 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2015 about Debt collection (Federal student loan) with ECMC Group, Inc. (IL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: In 2010 I was giving an forgiveness loan from XXXX Bank then the loan file went to XXXX XXXX, from there EMCE then from there Premiere Credit XXXX XXXX XXXX, and then Premiere Credit went into my account and took out XXXX dollars, I send them proof and had not heard from them at all but still XXXX dollars is still being taken, they told me I can talk to a man call XXXX XXXX, I have call him, XXXX him XXXX and still no call back, I want to sued them cause they had no right going into my account, if you want me to fax or send the proof to you please call

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2015 about Debt collection (Medical) with Professional Recovery Management (TN).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: FOX Collection Center has been assigned to collect a debt for XXXX XXXX XXXX in XXXX, TN. This is for a medical procedure my husband had done. 

They communicate with us thru mail and also our cell phones. Today XXXX, Fox attempted to contact me & my husband during our work hours on our cell phones. They chose not to leave a message. Was n't long when my husband received a phone call from HIS EMPLOYER that he needed to call a certain number!!! 

FOX COLLECTION CENTER has chosen to leave a message with my husband 's employer instead of on our personal phone lines, which they have, which does have working voice mails. 

Therefore, I 'm filing a formal complaint against them for unfair business practices. There was absolutely no need for them to leave a message with his employer. That could have been done when they called both our cell phones right before that!!! 

And as a side note, we have NO IDEA where they even got his employer information. We never gave it to them. This is very unfair and strong arming should be against the business practice of collections!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Rent Recovery Solutions (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: To never get a respond back from them. i sent a Debt validation letter to this company, Rent Recovery sol, LLC about a debt Im supposely owed them to never get an answer back from, them or XXXX, XXXX, or XXXX. Please sent me an respond back about this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2016 about Credit reporting () with EQUIFAX, INC. (LA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I have put a 90 day credit fraud alert on my file, but I also want to dispute the things that I saw and I do n't know how to do that. I tried to get my Free Annual Credit Report this morning and it asked me security questions about a mortgage I supposedly took out in XXXX, I could n't answer those questions because I NEVER had a mortgage before. It also asked about a retail card i took out THIS YEAR, NEVER had a retail card before. The second time I tried to get my FACR it asked me security questions about an auto loan in XXXX, I JUST GOT MY LICENSE YESTERDAY. I have NEVER had a car nor have I ever took out a loan for XXXX. It also asked about an installment loan, could n't answer that either because I have NEVER taken out a loan before. I want to fix this issue as soon as possible, but I do n't know where to start. PLEASE HELP ME.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (PA).
Issue: Loan modification,collection,foreclosure

Complaint: I am in the process of completing a deed-in-Lieu on my property through Wells Fargo Home Mortgage. I unfortunately have a lien against my home in the amount {$8000.00} that is preventing my property from completing the DIL. The lien holder is refusing to accept any amount other than what 's owed in full before they will remove the lien. Even when I requested an affordable repayment to remove the lien, the answer was still no. I contacted the XXXX for help, but their payments were just as much as my monthly mortgage payment. As a result my property will now go into foreclosure. I 'm working very hard to prevent that by working with the lien holder and the junior mortgage holders on my account. But I feel like I 'm spinning in circles. The junior mortgage and lien holders are giving me a hard time. And I 'm not getting any real assistance direction from Wells Fargo. I need help. Please help me. The mortgage company did grant me some additional time to gather the documents I attached. But time is running out.

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 08-07-2017 about Checking or savings account (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (TX).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: On XX/XX/XXXX I deposited a credit card courtesy check for {$5000.00} via mobile deposit to my XXXX checking account. The response I got via the app was that the deposit was not successful. I then deposited the check via a mobile deposit to USAA. That deposit was successful. On XX/XX/XXXX I  received an email from XXXX stating that the deposit was successful. I immediately called XXXX and told them when the app said the deposit was not successful I had deposited it to another bank. XXXX said they would not complete the deposit. On XX/XX/XXXX I looked at my USAA account and saw that the {$5000.00} deposit to USAA had been reversed. I called and was told I could n't deposit a courtesy check into the account. They could n't tell me why. I believed at that point, that the {$5000.00} was not deposited anywhere and my credit card ( that the courtesy check was drawn on ) would n't be charged. Around XX/XX/XXXX I looked at my USAA account and saw that my credit card was  charged the {$5000.00}. I spent the next 10 days or so trying to resolve the issue with USAA ( the bank the credit card was through ). Every time I received a different reason why I owed my credit card  {$5000.00} yet had not received {$5000.00}. I finally spoke with a corporate person and she said USAA had paid the {$5000.00} to XXXX. I began calls to XXXX. They say USAA put a hold on the check and did n't pay it and they claim that when they call USAA their calls are n't returned. It 's been more than 5 weeks and I now owe {$5000.00} yet received nothing for it. Each bank claims they do n't have my funds yet the credit card side of USAA wants me to pay for the funds. No one will take my calls and I do n't know what else to do. I got as far as the executive level with each institution and still no resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2017 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (TN).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage was recently sold last year from Americas Servicing Company to XXXX, and during the transition ASC filed a foreclosure on my home while they were not servicing my mortgage and as a result this negative and derogatory information is plastered all over the internet for my home address of XXXX, tn XXXX as well as public records. The fact that my home did not foreclose, and is not in foreclosure and ASC reported it as a foreclosure has posed a problem for me that is very embarrassing and now my employer is asking questioning me about it. I feel that ASC should erase this information from my address. I am so upset, I can barely sleep all night. This is hard to deal with and I need your help in getting them to make the corrections to this problem that they caused.

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 11-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Equifax keeps adding a chapter XXXX debtors court to my file and verifying this information came from XXXX XXXX which is n't true. This file has been taken on and off my credit report numerous times causing me duress.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2015 about Debt collection (Medical) with Metro Republic Commercial Service, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Someone used my personal information and identity to obtain medical and/or other services. I did not create this debt. I am a victim of identity/medical theft. I have reported this to the police and have tried several times to have them correct their records. They continuously send me someone else 's personal information, knowingly that this is a fraudulent account, which is violating the HIPPA Act PIH. The information is not mine nor did I ever authorize it. The signature does n't even look like mine. It is an obvious impersonation of my identity. I have sent them certified letters, ID theft police report and disputes to the collection agency and credit bureaus. They continue to report this fraudulent account and violate my FDCPA, FCRA and Rosenthal Act. This has given me great distress and the fraudulent reporting is damaging my good credit. 
Attached are letters I have sent and correspondence that support my complaint and show I am a victim of ID theft, this is not my 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 09-09-2017 about Debt collection (Other debt) with Genesis Credit Management, LLC (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I was sent a collection letter on XXXX XXXX from a company called Genesis Credit Management saying I owed money to a company called XXXX XXXX XXXX. I have never done business with a company by the name of XXXX XXXX XXXX and there is absolutely no way they can produce a contract or agreement with my signature that says
otherwise. The letter stated that I owed over 2k in charges that I had never heard about and that I frankly, do not owe! I sent off a letter requesting validation. Needless to say, I have not received it but I monitor my credit closely and tonight I received an alert about a new collection account on my credit report from Genesis Credit Management reporting that I owe this debt. That is against the law. They are in direct violation of FDCPA Section 809 ( b ) because they reported it anyway without validating and FDCPA Section 807 ( 8 ) because they reported it and did n't report it as disputed. I have the documentation to back up my claims of validation, that it was disputed within 30 days, when it was sent and I also printed a copy of my credit report tonight and
how its currently reporting in case litigation has to take place. I 'm hoping we can get this resolved swiftly and without legal recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2017 about Consumer Loan (Installment loan) with EXPERT GLOBAL SOLUTIONS, INC. (MI).
Issue: Managing the loan or lease

Complaint: I set up auto pay through my financial institution to pay this company monthly. There have been several payments made electronically with no issue. Now all of a sudden they can not locate my XX/XX/XXXX payment that was due on XX/XX/2017. I started to receive several phone calls from this company regarding this issue. I explained to the representatives that the bill was paid and verified through my online banking and they continued to tell me that i was wrong and the payment has not been received. The representatives continued to blame everyone from my bank, to the post office as well as myself for even having to borrow a sum of money. Since this company is a 3rd party lender, i contacted the parent company XXXX, regarding this issue. After filing a complaint with XXXX, a manager, XXXX XXXX, that represents the company called me regarding this issue. I took this opportunity to call my financial institution that paid this company and had them on the phone at the same time. My bank had sent the lender a rolling bank statement via fax showing that the payment was made on XX/XX/2017 at XXXX ET and that the payment was accepted. My financial institution told XXXX XXXX that they needed a statement on their company letterhead stating that the payment was not received on the date and time the statement states the payment was made. XXXX XXXX did not seem to understand why she needed to do that and stated that she had to run it by the " lawyers '' which seemed very odd and concerning. XXXX XXXX did not seem to agree with the fact that she had to dig a little deeper into the issue seeing as how her company is alleging that the payment was n't made and disputing the issue. I did EVERYTHING i needed to and also went above and beyond considering that all my information states the bill has been paid. XXXX XXXX was also given direct contacts along with their phone numbers, e-mails and rolling bank statements. It is not my fault that this company can not keep track of the payments that are received. I set this bill up for auto pay so i would not have this issue. i have also made several attempts to contact a representative from this company, along with leaving XXXX XXXX several voice mails requesting an update regarding this issue with no response. Also this company has several reviews online with similar issues. Something needs to be done regarding this company. Many issues have been reported online very similar to the issue that i am having.

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Talbot, Adams, & Moore, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: This debt pertains to an old apartment community which I believe is illegally attempting to report debts, as the community itself is in extremely poor condition and we were not originally notified of any problems upon move out. The company they have hired to collect the debt has refused to provide verification in the previous 4 years that I have been trying to obtain it. Three letters and three phone calls and they continue to call despite the fact that it is illegal. They threaten and condescend despite the fact that this is n't about the money, it 's about the legality of the debt to begin with and their failure to comply with the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2015 about Bank account or service (Other bank product/service) with FIFTH THIRD FINANCIAL CORPORATION (FL).
Issue: Problems caused by my funds being low

Complaint: I have a credit card with 5th 3rd Bank on XXXX XXXX, XXXX, FL XXXX. My payments are due on the XXXX of each month. I made a payment of {$60.00} on the XXXX of XXXX, 2015 through my XXXX XXXX XXXX checking account bill pay. 5th 3rd bank claims that they had received the {$60.00} payment, but that it was returned. Now they charged me a late fee. I am on social security and I ca n't afford this late charges, especially since I was not aware that they had returned it. I paid {$60.00} right away, but they wo n't rescind the late fee. This is robbery. Can you help me

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with EOS Holdings, Inc. (PA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I was told that they were soon to have4-G in my area and the phones and internet would not work where I live and they would not. I did n't owe for service and I paid one half of the charges to cancel and they said that would be accepted as settled. Then they put the other half in collections. This was a XXXX XXXX XXXX account. VERY UNFAIR! The collection is under Eos Cca fromXX/XX/2012 for {$210.00}. Ridiculous!

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2016 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (NY).
Issue: Account opening, closing, or management

Complaint: I have a checking account at TD Bank. It is an account in both my brothers name and mine. We set the account up in New Jersey, where my brother lives. The reason we set it up was for my brother to be able to make deposits frequently into the account so that I could have money for food and also for co-pays to my doctors. I am a XXXX, so I go to the doctors quite frequently. Recently, I checked the account and realized that we were being charged {$10.00} a month because the balance fell below {$100.00}. I questioned the bank person on this and told her we were never told this when we set up the account and I did not think it was fair to have been charged {$10.00} EVERY month just because our balance would go slightly under {$100.00}. I live on a small social security check and rely on my food stamps to get food. Charging me over XXXX % a month to penalize me seems a bit unfair. I do n't think rich people get penalized XXXX % of their money each month. 
I am tired of being penalized because I am now poor. They have also started to charge me {$1.00} a month as a new " fee '' in addition to the {$10.00}. fee. This is criminal. 
Please investigate this and tell me why do poor people have to cover the administrative costs for the bank and not the rich. 
Thank you, XXXX XXXX XXXX ( age XXXX! )

Company response to consumer: Closed with explanation