milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-06-2017 about Debt collection (Medical debt) with R.M. Galicia, Inc. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I am writing to complaint about XXXX Hospitals XXXX and Progressive Management Systems based in XXXX XXXX. BACKGROUND : In XXXX XXXX, I was on a family holiday in XXXX, CA when my youngest daughter who at that time had recently finished XXXX treatment fell ill, as parents we were fearful that her XXXX may have relapsed and rushed her to XXXX emergency in XXXX. Whilst at the hospital in the emergency we were approached by a representative from the finance department asking us about our insurance details. We have a $ XXXX travel insurance from XXXX XXXX XXXX, we provided all our travel insurance details but she was did not want to get in touch with them and repeatedly asked us to contact them directly whilst my and my wife both were under duress. Upon arriving back in the XXXX, I put XXXX and our insurance provider XXXX in touch directly and a claim was opened under reference XXXX. The claim was taking longer than usual as XXXX did not provide an itemised bill and I kept XXXX up to date with the progress of the claim. LACK OF COMMUNICATION : XXXX passed the account to a collection agency whilst XXXX was dealing with the claim. I contacted Progressive Management Systems ( collections agency ) and informed them of that XXXX is waiting for XXXX to provide an itemised bill. I was promised that our account was put on hold whilst XXXX was dealing with XXXX. UNFAIR REPORTING : Today, I received an email from our bank declining an account because PMS have put a derogatory marker for non-payment of the bill of {$2400.00}. I have recently moved from XXXX to launched a new XXXX in the US with the aim of creating employment and this unfair negative marker on my credit file is making life very difficult for my young family. I have today made the payment to Progressive Management Systems in full. This situation could have been resolved if XXXX had communicated with me, all XXXX had to do was communicate with me that they can not wait for XXXX and I should pay the bill. I have had a terrible experience with the US Medical system and credit reporting tactics employed by health care providers and debt collection agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
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 attempted to make a Payment to   XXXX   XXXX   a old collection on my credit report. I informed the Credit bureau that the debt was in error and further that they had no recent history or activity of my account. I only found out about this company by looking at my credit report in the first place, NOT directly from the company. Further there is limited information on my credit report about this company. SO First last month I disputed that line item found on my credit report, However I was told it was valid, based only the word of the credit bureau ONLY and not on them presenting external verification that the tradeline was valid or active or legit from 3rd party.     I resolved to test the validity of the tradeline based ONLY on the information found in my credit report by THIS credit Reporting company. I sent them a test payment to see if it would post to the account in question with this company using only the tradeline information in my report.     The result?   The Payment was returned. They (   XXXX   XXXX   ) could NOT find or verify my account using the information found in my credit profile.     This me ans two thin gs : : : They do n't have me as   a credit collections client and therefore it should be remove according to FCRA law [ 623 ( a ) ( b ) ]. Or ....
Whatever is reporting is reporting so erroneously the data does n't line up and is so corrupted that it again according to FRCA law [ 623 ( a ) ( b ) ] should also be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with PORTFOLIO RECOVERY ASSOCIATES INC (NY).
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint: Portfolio recovery debt buyer XXXX XXXX XXXX XXXX XXXX See complaint # XXXX They did not respond to the fact that they ILLEGALLY are involved in the process of RE-aging dated XXXX XXXX. 
Remove this INCORRECT information from my Credit report or I am hiring counsel ; a Consumer Attorney to Litigate on this ILLEGAL practice.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CT).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: ( 1 ) My problem is with XXXX XXXX, whom I have used for over ten years as my lender for my personal and business car leases. 

( 2 ) On XX/XX/XXXX, I used the online bill payment system at the XXXX XXXX website to make a payment, but using a different account. I set up the new account, including the routing # and account #, and made the payment. 

( 3 ) I received an email immediately indicating CONFIRMATION of the payment ( please see attachments showing this exact screenshot with confirmation numbers ) ( 4 ). About 3 weeks later, on XX/XX/XXXX, I get a call from XXXX XXXX alerting me that the payment never went through, that the routing number I had provided was not in their system and to please resubmit the payment with a new routing number. 

( 5 ) I made the payment immediately using the original bank account I had always been using, the payment went through, at least according to the confirmation email I again received. 

( 6 ) Fast forward to XX/XX/XXXX. I now find out XXXX XXXX has marked me as over 30 days with a " late payment '' due to this. 

( 7 ) I called their company repeatedly, talking to whomever I could, escalating the call each time. In each instance, they claim they were not at fault, even though I had received NO phone calls or emails alerting me of the failed payment until the account was over 30 days due. And I had their email giving me confirmation of the payment from XX/XX/XXXX, which they still claim was not sufficient evidence of anything. My last call into XXXX XXXX was XX/XX/XXXX, where I talked to someone who promised me a manager would call me back, to which I 've never received that call. 

( 8 ) Normally I would not make such a fuss over an issue like this, but this 30 day late penalty happened right in the middle of a personal loan I am trying to apply for. Now, all of the banks are turning me down because of this " blemish ''. I am suffering heavy damages because of this incident and feel like there 's nobody I can turn to for help. 

( 9 ) Trying to call anybody over at XXXX XXXX right now is impossible. The phones do not work, and their website says they are going through some type of upgrade. I feel like I 've done everything possible at this point but now I have no way to even communicate with them. 

( 10 ) I am ready to hire a lawyer to work with me to resolve this, if necessary. as I did nothing wrong, and XXXX XXXX should not even be hesitating to remove this " mistake '' as I 've been a loyal and good customer of theirs for almost a decade. After this incident, I can conclusively report I will never go through XXXX XXXX again, and I feel others should be aware of how harsh and non-communicative this company is.

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 11-12-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Debt Recovery Solutions, LLC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I received correspondence from this company dated XX/XX/XXXX. I spoke with a representative when I received phone calls. I explained to the representative that this debt was paid with another company that had validated the debt. I asked for validation of the debt. However, no information was received. I mailed a letter to the company on XX/XX/XXXX disputing the debt and also requested validation of the debt. I received no information. I resent the letter on XX/XX/XXXX. No response was received from the company. I called on XX/XX/XXXX. A representative told me that she would get her manager to investigate. I still received no follow-up. I called again on XX/XX/XXXX. At this time, I requested to speak to a manager but was told that no one was available. I then asked for a manager to give me a call back. I received no phone call. I now see that this account was reported to XXXX on XX/XX/XXXX with a balance of {$660.00}. I am reporting Debt Recovery Systems for noncompliance and requesting that this debt be removed from my credit reports with XXXX

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 02/28/2016 about Credit reporting () with EQUIFAX, INC. (OR).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: On XXXX/XXXX/16 I contacted Equifax via telephone to request a formal dispute of an unauthorized credit inquiry into my personal credit report with Equifax. More specifically, on XXXX/XXXX/16 XXXX XXXX performed an UNAUTHORIZED credit inquiry into my credit score/history with Equifax. On XXXX/XXXX/16 I contacted XXXX XXXX regarding this unauthorized credit inquiry, which has adversely affected my credit score. XXXX had no comments so far on this incident. So I immediately contacted Equifax via telephone and requested a formal dispute of that " hard '' inquiry into my personal credit report. Equifax then sent me an email notification stating that my Equifax dispute had been resolved. However that 's simply a copy of my credit report. I was unable to reach Equifax today ( XXXX/XXXX/16 ) in order to resolve this issue immediately. Equifax 's website is also unclear on how to obtain immediate assistance. Equifax has failed to process my request to remove inaccurate information ( i.e. unauthorized inquiry ) on my credit report as I was promised on a phone call with Equifax 's representative on XXXX/XXXX/16. 
Please also let me know if the Consumer Financial Protection Bureau can initiate a separate investigation into this matter against XXXX XXXX or if I must file a separate complaint against them for performing an unauthorized consumer credit inquiry. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with QUICKEN LOANS, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I was contacted the morning of  XXXX   XXXX  by a representative for  Quicken Loan s who said he wanted to see if there would be a way to save money on my mortgage that is with the company already. While talking he stated that to know my options he would have to get an updated credit report. I verified my information with the representative but never gave permission to pull credit. Afterwards I received an alert stating that I had a new inquiry on my credit report. I talked with the company and asked that it be removed because I never agreed to it and was told that by verifying my information I was agreeing to a credit pull and that Quicken Loans would not remove the inquiry from my credit report. The representative also pulled my wife 's credit that same day and at no point did my wife speak with anyone at the company.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (NY).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Time warner cable sent the account to collections prior to me returning their equipment after I cancelled the service due to a move about one month ago. The debt collector, IC systems, never contacted me about the payment and instead, they called my partner to say there was a debt owed by me, revealed the account it related to and the total amount due. As per the FDCPA, this is a clear violation as they can only contact relatives and the like to LOCATE the person. They can not reveal identifying information. What is more of a problem however is that they never attempted to reach me prior to making this call. I have no missed calls, mailed letters, emails or the like from anyone matching the company number. I also do not have any missed calls in general from any unknown numbers as I went through my call log for the last month to see if I had somehow missed a call.

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2015 about Money transfers (International money transfer) with PAYPAL HOLDINGS INC. ().
Issue: Other transaction issues

Complaint: I am a stamp collector with an interest in a wide range of areas, including stamp issues of the former XXXX XXXX ( ie prior to independence ). 
I have an account with the XXXX based Paypal money transfer service to facilitate payments to suppliers, none of whom have any connection with the XXXX of XXXX. 
Due to the unsophisticated nature of PayPal 's transaction monitoring process, I have been threatened with closure of my account, despite providing explanation of my activities. 
It appears that Paypal has set up robot scanning of transaction details, resulting in delay or cancellatiion of any money transfer where the word " XXXX '' occurs. This affects attempted purchase of pre-Republic stamps and also of philatelic reference books which logically include the word XXXX '' in the title. 
Transaction interference by Paypal even extends to incidental mention of " XXXX '' in notes being provided for the purchaser 's information which has most recently occurred to me, in connection with attempted payment for non-XXXX items!

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Problem with fraud alerts or security freezes

Complaint: my transunion credit report file had a security freeze and fraud alert placed on it. On XXXX/XXXX/2017 XXXX XXXX XXXXXXXX accessed my file without consent. Not sure how or why an inquiry took place on my credit report, this is unauthorized and fraudulent, please remove.

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 02-05-2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (MA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: After XXXX missed auto-payment to XXXX I began receiving threats about a judgment against me in 2014 that I was not able to defend myself for. I had called ( XXXX ) to ask them to withdraw the bounced payment along with the next months auto withdrawel. I had not received a phone call in response. They ceased all payments and began threatening more court. I received to date, XXXX financial statements, XXXX of these were returned with no response ( letter said they would call with arrangement ) and Was served a summons for XXXX XXXX due to my " failure to communicate '' with them. After this summons they have sent me the fourth financial statement to " avoid appearing in court '' I have called and left messages and have written communication to the company with NO response at all and I am very frustrated with the threats to my family and financial stability ( which is quite unstable ) just to not receive any cooperation regarding my account.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Blakely-Witt and Associates, Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have contacted Blakey-Witt with no succes. I called XXXX XXXX. No call back. I also contacted them through mail on XXXX XXXX. I submitted a complaint through the BBB and have had no response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Social Finance, Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: SOFI LENDING CORP. and XXXX have been and are reporting inaccurate information on my credit report. SOFI LENDING CORP. and XXXX have been and are reporting hard inquiry without verifiable proof of my consents. SOFI LENDING CORP. and XXXX have been and are reporting the hard inquiry as inaccurate information without verifiable proof. As a result, there is no permissible purpose of putting the hard inquiry on my credit report. I sent certified mails to both XXXX and SOFI LENDING CORP. asking about the permissible purpose of the hard inquiry and verifiable proof of the inaccurate information. I waited more than 30 days to have the verifiable proof from XXXX and SOFI LENDING CORP. of their inaccurate information and I didnt receive it from all of them. Since neither XXXX nor SOFI LENDING CORP. have verifiable proof of their inaccurate information and it has been more than 30 days since they received the dispute, according to Fair Credit Reporting Act 15 U.S. Code Sec. 1681i ( a ) the following hard inquiry should be deleted immediately. Certified mail tracking number sent to XXXX on XXXX/XXXX/XXXX : XXXX. Second Certified mail tracking number sent to XXXX on XXXX/XXXX/XXXX : XXXX. Third certified mail tracking number sent to XX/XX/XXXX on XXXX/XXXX/XXXX : XXXX. Certified mail tracking number sent to SOFI LENDING CORP. on XXXX/XXXX/XXXX : XXXX. The following hard inquiry which should be deleted immediately is : Creditor Name : SOFI LENDING CORP Date : XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (UT).
Issue: Loan servicing, payments, escrow account

Complaint: I became aware that my mortgage had been sold to another company when I got a letter form Ocwen mortgage services dated XXXX XXXX, 2015. We closed on home XXXX XXXX with a first payment due on XXXX XXXX. On XXXX XXXX I received a letter form Ocwen saying my hazard insurance had expired and they were planning on buying insurance for me. In my state you ca n't close on a mortgage loan with out home insurance. I called the people we got our loan from and they said that information was included when the loan was transferred but they would go ahead and again verify that we had insurance on the house. On XXXX XXXX, 2015 I received and account statement that said my first payment was due on XXXX XXXX but the amount due was {$910.00} which was {$400.00} more than the amount on our closing papers. two days later I got a phone call from Ocwen asking me to verify my account by giving her the last 4 digits of my social security number which I refused to do. She then said I could verify my account by giving her information from the account statement. I gave her the property address and the amount due and she told me that was incorrect. I ask how that could be incorrect since I was reading it from the account statement I had just received from Ocwen. 
She again repeated that it was incorrect and that I could verify my account by giving her the last 4 digits of my SS # and that is where the conversation ended. On XXXX XXXX, 2015 I received another account state form Ocwen with the correct information but I have never been asked to verify any thing since that first statement. On XXXX Ocwen sent me a privacy statement saying they sometimes share information with other financial companies. My unofficial count of companies having my information is about 8 right now. 
On XXXX XXXX, 2015 I received a letter from XXXX XXXX saying they had purchased our mortgage on XXXX XXXX, 2015 but they were now selling it to Homeward Residential and that I should make my payments to them. If I sent payments to XXXX they would be refused. I have never received any payment information form Homeward so where do I send payments for my loan. If I ca n't make a payment on the loan I will be in default and that will lead to foreclosure. I just applied for a home equity loan so I can pay off who ever has the loan but it now seems nobody wants to claim it at least not until I have missed some payments and then I expect Ocwen to inform me that I am late on my payments and they are going to start the foreclosure process

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Problem with fraud alerts or security freezes

Complaint: I was part of the Equifax credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by Equifax, XXXX, or XXXX in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2017 about Debt collection (Other debt) with Carter-Young, Inc. (IL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The amount that was owed for this account before it sent to collections was XXXX. I was sued by XXXX XXXX XXXX for the amount of XXXX and was given a date to pay in order to remain a tenant in the building. I presented the property manager at the time with a XXXX} cashiers check to cover the XXXX balance owed plus enough to cover rent for a few months. My attempt to pay was denied by the property manager as I was told we will not accept any payment from you. I was then told to remove my belongings from the unit but was not given a specific date to be out. A week prior to this all of my belongings were thrown out in the alley behind the building causing me to lose all of my personal information and other important things. I have disputed this debt collection several times in attempt to get it removed from my credit reports. Since my attempt to settle the debt was denied before it was sent to collections I feel that I should no longer have this negative remark on my credit. I have not received any documentation validating that the debt belongs to me nor have I received a copy of the original lease agreement with my signature. I also have not received any documentation explaining the XXXX balance that is reported.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation