milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Convergent Resources, Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I was victim of Identity Theft 3 times in the last 7 years. I have 3 separate police reports related to all of the items. There were mortgages, credit cards, loan, collections, tax liens and bankruptcies that were filed done without my personal. I have sent letters to all creditors as well as to local government to obtain original copies of all documentation. I will be sending the credit bureaus all of my supporting documentation and police reports. Please please removed and permanently delete these items from my credit report. This has RUINED my life for 7 years and I am desperately trying to get this resolved asap. This has stop me from getting apartments, jobs and everything. I need immediate help to once and for all resolve all of these issues. Please permanently remove all these items from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2016 about Debt collection (Medical) with ASSET MANAGEMENT OUTSOURCING, INC. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Please refer to complaint number XXXX where the company provided the following response : " Our company received information that the account is no longer due, we have closed the account and it was never reported to the credit bureaus. We did not use " harassment tactics '', as the consumer claims. We received an account from our client and attempted to collect it. As soon as we received the updated information, collection efforts ceased. '' First, I have to disagree because there were certainly threats. Second, it should be illegal for a collection agency to attempt to collect a " claim '' of debt without verifying that a debt actually exists. Now, at this point, the company is sending bills, XXXX to be exact, on hospital letterhead that contains a phone number and PO Box associated with the collection company. When calling the number, the greeting used to answer the phone is " business office. '' Each of the XXXX bills have the same account number with the exact same content within the letter with the exception of the amount owed ... there is a different amount on each bill, yet it is the same account number with no other identifiable information such as date of service. The amounts claimed to be owed are the same amounts claimed to be owed previously! Thus, the attempts to collect CONTINUE despite the fact that there is no debt!!!

Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2015 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have been receiving calls for a debt owed by XXXX XXXX from Midland Credit Management. I do not know who XXXX XXXX is. They have been calling XXXX times a day for the past week. Yesterday I called and said that I do not know XXXX XXXX and asked them to stop calling. Today they called again and I again reiterated that I do not know XXXX and if they call again I 'll be filing a complaint. They called again so here I am.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: After reviewing a copy of our credit report my husband and i noticed several items that were incorrect.We sent letters to the credit bureaus in XX/XX/XXXX with a request to review our reports and investigate the items. We have received ZERO response. We did move, but we have a forwarding address through the post office. I had forgotten about sending the letters and am just now circling back to this. Our credit scores are BAD, and there are many items on there that are completely incorrect. I am frustrated that there has not been a response already, and that i am having to spend extra time and energy to spend additional time that i do n't have. My scores are bad because items are not correct and the credit bureaus should have to fix them and to report to me in a timely manner. the law says 30 days. 3 months is way more than 30 days and i find this unacceptable. WE are held to standards and suffer consequences based on the scores they report ... why are THEY allowed to do this. I expect a response in LESS than 30 days and these items MUST BE verified. If they are not ... I will continue to file complaints to the bureau for at the very least- wasting my time and energy. I have attached the items that i sent, including my id.

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 11/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Georgia Student Finance Authority (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Around XX/XX/XXXX I filled out a deferment request to Georgia Student Finance Authority. I never heard back in over 1 month. In XX/XX/XXXX ; I received a letter stating the form I sent was not the correct form and my request was denied. Around XX/XX/XXXX my credit report was reported that my account was 30, 60, 90 days past due and my score dropped 100 points. I filled out another form exactly the same as the previous form and in XX/XX/XXXX I was granted the deferment. I made payments in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Untimely response
Consumer complaint received 05-04-2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (AL).
Issue: Unable to get your credit report or credit score

Complaint: Need proof showing my  XXXX  score was a  XXXX  on    XXXX   XXXX  ..i tried several times to get proof from the manager and I 'm not getting anywhere..i also asked for papers showing I did n't close on the house and have n't got those either ..

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 12-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions 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: Experian is still reporting a account with XXXX XXXX on my credit file, after i have filed a dispute and asked for written verification several times. Both XXXX and XXXX have removed this account. Experian has not and will not provide me with any documentation that this account is mine. I have requested for them to follow suit with the other credit bureaus and they still have not responded. When i call they transfer me to a " special handeling dept '' and i just keep getting the same answer, " it has been verified '' well, if that is the case please have them tell me how it was verified and by what means, provide me with some kinda documentation. This is affecting my credit score greatly, i have a 100 % on time payment history and i am in the process of buying a house and i need to have this taken care of in order to proceed. The account is reporting paid in full but if its not my account and its paid in full why havent they removed it? Please help me resolve this issue so i can continue on my home buying journey. Thank you in advance

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 05-10-2017 about Debt collection (Other debt) with Aspen National Financial, Inc. (CO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: My wife and I are attempting to purchase a home. During the pre-qualification process in early   XXXX  2017   , we were notified on a collection on my  XXXX  credit report. I contact  XXXX  and initiated a dispute as well as contacting the collection agency  (  Aspen National Collections ). I was informed the process would take 30 days. I contacted the collection again in early   XXXX    2017  and was told the debt was discharged and my credit report would be cleared by  XXXX   XXXX  on   XXXX   XXXX  2017   . I contacted Aspen National Collections again on    XX/XX/XXXX    and was told by  XXXX   XXXX  that the debt was still owed. No one will send me any paperwork on the debt as to why, how or when it was incurred. After contacting the original creditor (   XXXX   XXXX     ), I have discovered this debt belonged to my deceased mother,   XXXX   XXXX   It was for maintenance fees on a time share she had once owned. I never agreed to any purchase by   XXXX   XXXX   for any time share. I need to get this issue revolved as to not affect the purchase of our new home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/16/2015 about Bank account or service (Savings account) with PAYPAL HOLDINGS INC. (IL).
Issue: Deposits and withdrawals

Complaint: Paypal will not give me my money for a item i SOLD ON XXXX/XXXX/2015 FOR {$45.00}

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2016 about Debt collection (Medical) with Mid-Michigan Collection Bureau (MI).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I obtained my credit reports and Mid Michigan CB was on their showing negative on my credit report. I do not know who these people are. I have sent them a certified letter to provide me with proof of both accounts XX/XX/2016 which i provided you with this letter that is attached.. Also in my letter I told them I am also exercising my right under FDCPA to dispute the alleged account and demand validation from them.They have gave me nothing

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2017 about Debt collection (Medical debt) with Jon Barry and Associates, Inc. (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX XXXX has inaccurate information reporting to the credit bureau 's regarding a medical bill that is not mine. I have disputed these accounts twice and they are not giving me the info I have requested.I was in an accident and this was paid for by my attorney, throught the other party 's insurance company. The letter below is what I have sent them and the 3rd party company has not responded to my requests. The account number for this 3rd party creditor is XXXX amount {$2100.00} The letter below is what was sent to them regarding this account XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Dear XXXX XXXX XXXX, After viewing a copy of my credit report, I noticed a collection account placed on my credit from XXXX XXXX in the amount of {$2100.00} Account # XXXX. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore, my request is twofold -- validation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me. Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-04-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: this not my info. # XXXX please remove from all XXXX reports

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 03-06-2016 about Mortgage (Conventional fixed mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (TN).
Issue: Loan servicing, payments, escrow account

Complaint: HSBC contacted me after the mortgage was a year behind there website never works and they will not send any statements I have paid on this house for 16 years and now they have turned the case over to an attorney

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (UT).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: Wells Fargo is reporting a charged off account on my credit which I did n't even know I had. I recently found out about a card on my credit report that has charged off last year. I never received a phone call or notice from them one time. I saw it on my credit report recently and immediately contacted them. I have not used the card nor did I know of its existence. I am unsure if my ex from years ago did this and if so it is her responsibility but I did not sign for this card that I can remember. 
If I would have received a call or notice on this account I would have handled it at that time. How was an account opened in my name? This has affected my financing of a home and I was forced to pay this debt to move forward even though I do not owe nor have I used the card.

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 10/16/2015 about Debt collection (Credit card) with Resurgent Capital Services L.P. (NJ).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Satisfied Judgment that has been on my credit report that was satisfied in XXXX 2013 - LVNV Funding still says judgment wherein I have a copy of the Warrant to Satisfy Judgment which was filed with the Court after the I paid the settlement!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with RCS Recovery Services, LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: RCS Recovery Services LLC is reporting an account that is past the FCRA retention time associated with the account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2017 about Debt collection (Auto debt) with UNITED SERVICES AUTOMOBILE ASSOCIATION (TX).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: have told them that I will pay once I receive the money from the buyer to settle this debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-03-2016 about Credit reporting () with Clarity Services (IN).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: On XXXX XXXX, 2016, I filed for Chapter XXXX bankruptcy protection, which any and all debts were included. A copy of my discharge was sent to all credit bureaus on XXXX XXXX, 2016. 

On XXXX XXXX, 2016, I applied for a loan from XXXX. I was given a rejection with Clarity Services listed as a data furnisher, a data furnishing company I had never heard of before. 

Under the U.S. Bankruptcy code, all debts incurred prior to filing are considered discharged regardless if remembered or not. To the best of my ability, all debts were listed. 

Whoever Clarity Services is, whatever files they have on me, and whatever kind of nefarious practice they are running are concerning to me. 

The case number for my bankruptcy, which was filed and discharged successfully in the XXXX XXXX of Indiana, is XXXX - identification has been uploaded.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Mortgage (Conventional home mortgage) with PROVIDENT FUNDING ASSOCIATES (CA).
Issue: Struggling to pay mortgage

Complaint: FOR SOME REASON, I FEEL LIKE I 'M BEING TARGETED FOR FORECLOSURE! Provident Funding Associates LP seems to be looking for cause to " accelerate the sums secured by the mortgage, commencement of foreclosure proceeding and sale of property. '' SEE ATTACHED LETTER AND ITEMS 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 03/26/2017 about Debt collection (I do not know) with Adler Wallach & Associates, Inc. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I recently pulled my credit and discovered that this company has reported that I owe them a debt. To my knowledge I have never entered into a financial agreement with this company and neither have they ever provide me goods nor services.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: I contacted Experian on line re : a turn down on a small loan thru my credit union. I was asked to pay {$1.00} for my report on line. 
I then received an XXXX withdrawal from my bank account for {$21.00} for their credit monitoring service that I never requested. I called the XXXX # on my bank statement and she kept referring to my membership of credit monitoring. WHAT? I told her to undue the unauthorized withdrawal. 
She said she would and the withdrawal processed any way. 
Experian has created a mousetrap with their ambiguous site. 
Please investigate these unscrupulous deceitful practices. 
Thank you for your help. 
Sincerely, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 06-12-2015 about Money transfers (Domestic (US) money transfer) with BANK OF AMERICA, NATIONAL ASSOCIATION (NV).
Issue: Fraud or scam

Complaint: I went to see an apt that i wanted to rent from whom i thought was a realtor. She explained to me what steps to take to deposit my money into the owners bank account to hold the apt for myself. After i deposited the amount i needed and sent her confirmation she said she would call me back and set up a time for the next day to sign a lease agreement. After a few hours my phone calls would go straight to voicemail and now I 'm trying to get my deposit back from this scammers account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2015 about Debt collection (Credit card) with Dynamic Recovery Solutions, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: My identity was stolen in XXXX, and several debts were incurred in my name. For XXXX of these debts I am still receiving debt collection notices, from different companies. It appears that the debt has been transferred or sold by these companies, despite knowing that the debt was based on identity theft, and not collectible. The account is a credit card that was opened in my name with XXXX XXXX XXXX XXXX, with a balance of {$460.00}. 
I first learned about the account on XXXX XXXX, XXXX by phone call from XXXX XXXX, who worked for XXXX XXXX XXXX, and said she represented XXXX. I faxed her a copy of the police report to fax # XXXX. I also sent a letter to XXXX, with a copy of the police report. 
On XXXX XXXX, XXXX I received a demand letter from XXXX XXXX XXXX, attempting to collect {$540.00} on the same fraudulent account, current owner XXXX XXXX, XXXX. I sent a letter to XXXX XXXX XXXX the same day, with a copy of the police report. 
On XXXX XXXX, XXXX I disputed the account with XXXX. 
On XXXX XXXX, XXXX the account was removed from my XXXX file. 
During the month of XXXX, XXXX, I received phone calls from XXXX with XXXX XXXX in Florida ( at XXXX, or XXXX XXXX ). He told me the current owner was Credit Card Resellers, and the balance was {$450.00}. I do not know why the balance was lower, as I had not made a payment on this account. I emailed XXXXXXXXXXXX the police report, the XXXX letter stating the account was removed from my file, and a reminder not to try to sell my account to someone else. On XXXX XXXX, XXXX I noticed a charge for {$450.00} on my XXXX XXXX business credit card. I spoke with my office manager, who told me someone from XXXX had called the office and demanded payment for a past due debt, upon which she had given them the office credit card number. I contacted XXXX XXXX to reverse the charge, which they did on XXXX XXXX, XXXX. I could not believe XXXX XXXX was trying to collect on this account behind my back, knowing full well it was a fraudulent account. 
Last month I received a demand letter from Dynamic Recovery Solutions referencing the same XXXX account, with a current balance of XXXX, current owner International Collection Services. I am mailing them a cease and desist letter, a copy of the police report, and a copy of the XXXX XXXX, XXXX letter from XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief