milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/19/2017 about Debt collection (Other debt) with Ideal Collection Services, Inc. (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Ideal Collection Services , Inc. located in XXXX, FL Registering Agent : XXXX XXXX, XXXX XXXX, Account Manager, XXXX XXXX, and Attorney XXXX XXXX XXXX, XXXX are breaking many serious Federal & State laws by trying to collect on an Account that is past, The Statue of Limitation time in The State of Florida, they also have failed to comply with SECTION 609 of the Fair Credit Reporting Act which requires, Ideal Collections to Send me a Copy of the Original Wet-Inked Contract that I signed, and not send me copies of copies of third party fraudulent and inaccurate documents or contracts. According to the Fair Credit Reporting Act, Ideal Collections is required to verify through physical verification of the original signed certified consumer contract with my Wet-Inked Signature on it for any or all accounts they request to be posted and or reported on my Credit Report, and copies of copies are not Validation and are not considered proof for this account Ideal Collections has on my Credit. Ideal Collections continues to only send me a copy of a copy of another company that was not theirs, in which is not acceptable at all, according to the Fair Credit Reporting Laws. With this being done there was never any way for me to have any mistakes or erroneous reporting corrected from the other company, and I requested and am now still requesting the Original instrument indebtedness of it 's original form, which is not a copy, but the original written agreement with my Wet-Ink Signature on  it. Once this is provided, I am willing to accept a statement for the amount owing as of X/X/13 together with Ideal Collection Services , Inc. 's Assurance that they will Accept Payment in direct and in immediate exchange for the Original Instrument of indebtedness in it 's original form only. In addition, we also have another issue that was not addressed at all by Ideal Collections, which is this account is now violating Florida State Collection Laws ; because it is way past The Statue of Limitation. If Ideal Collections does n't remove this account immediately or provide me with the Original Instrument, then it will leave me no choice but to report them publicly to The State Attorney General 's Office, Federal Trade Commission, Better Business Bureau, and pursue taking Civil & Criminal legal action against them for breaking Federal and State Laws, as well as turning this into a possible Class Action Lawsuit for others to join in ; because I know there are other consumers who are being abused and are suffering by their fraudulent collection practices. I am asking for Ideal Collection Services , Inc. to provide that Original Contract/Instrument of indebtedness, and not a copy, to Me and show proof to The Consumer Financial Protection Bureau of being in compliance with Federal & State Laws to avoid Civil & Criminal Liability.

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (VA).
Issue: Loan modification,collection,foreclosure

Complaint: We have had a financial hardship and tried to work with Wells Fargo to get a loan modification. We have worked with them over the past 4 months only to be told there was nothing they could do and put the property into active foreclosure status. The company has not been responsive to explain why the modification was not approved when provided additional information. They have not returned my preated calls and I feel like we are geeting the runaround. The whole process has been very frustrating on top of the stress of potentially loosing the house in foreclosure. They have not reached out to us to work out any other solutions. The last time I called, which was on Monday XXXX XXXX, 2015, I was told they have a policy to return call within 48 hours. That time has passed. I feel like they are not observing the foreclosure protections that have been put into place to protect homeowners by being responsive and finding solutions other than foreclosure.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2017 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (WA).
Issue: Account opening, closing, or management

Complaint: I called Chase bank which is where part of where I have part of my payroll check is deposited because they closed my acct without notifying me my disclosures do NOT state that no notification

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2018 about Debt collection (Other debt) with Resurgent Capital Services L.P. (SC).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: After requesting validation { not verification } of the item reported and not receiving a response, I contacted XXXX XXXX XXXX XXXX in XXXX XXXX to start the process of credit repair for several erroneous items reporting negatively and incorrectly. One of the collectors is Resurgent Capital Services, and they are attempting to collect a balance owed due to fraud. They sent a letter in the mail DENYING me an investigation stating, they found my dispute to be " frivolous and irrelevant '' because I am using a credit repair service. This is against the FCRA and violates my rights of requesting debt validation and dispute investigation. This company has no license to collect any debts in the state of South Carolina and this debt is false. I have never had a XXXX XXXX account. 
I have attached the letter sent from Resurgent Capital Services to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2015 about Debt collection (I do not know) with ATG Credit, LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: We constantly get calls for the people that use to have our phone number. We have had the same phone number for at least 4 yrs and we still get phone calls. I have a feeling the bad debt keeps getting sold to other companies so the calls never end. There are days when we get 3 or 4 calls a day. We tell them no one by that name lives here. We are no relation to these people and they have n't had this phone # for years but nothing does any good.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with GENERAL MOTORS FINANCIAL COMPANY, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On XX/XX/XXXX XXXX XXXX XXXX and XXXX XXXX submitted a hard inquiry for Auto Financing. I had recently applied for auto financing on XX/XX/XXXX and was aware of that inquiry. I 'm not sure why it happened but I did n't authorize the inquiry on XX/XX/XXXX and was no where near a dealership to give that authorization. Shows up XXXX report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-11-2015 about Prepaid card (ID prepaid card) with FIFTH THIRD FINANCIAL CORPORATION (MI).
Issue: Unauthorized transactions/trans. issues

Complaint: There was a double charge of approx.. {$74.00}. 
Talk with XXXX reps..XXXX rep told me it tooK 8 days for processing ... normally it 's instant..XXXX rep told me there was a system problem ... supervisor would be calling me in 24 hrs ... no call..talked with sup-XXXX..told me I would n't be getting my money. back.help me please.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2017 about Debt collection (Medical debt) with Commonwealth Financial Systems, Inc. (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Apparently this company purchased this debt, did n't inform me and put it on my credit. It has been removed from other companies  3 separate t imes now!

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2017 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX XXXX. XXXX XXXX, XXXXXXXX XXXX Experian XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. XX/XX/XXXXc-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/1980 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXXXXXX 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 08/17/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (NJ).
Issue: Closing on a mortgage

Complaint: I received a misdated letter claim form from Ocwen mortgage company which I filled out and returned on XXXX XXXX, 2015. My tracking number is XXXX. I have been calling on a regular basis and always receive the same answer, that it is under review. This claim form involved a payment ranging from {$300.00} to {$3000.00} per loan for misdated letters which negatively affected me during a short sale

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: i sent a letter cerfied mail to equifax about a collection account on my credit report the apartment complex has me down as owing over XXXX i never lived there i apply for the complex but turned it down becauae i could no longer move to a different state at the time i asked equifax in the letter i sent to send proof of me owing this debt and they have not they keep telling me its verifed and i ask them who verifed it and how they will not send me anyproof i know i did not live there so there is no lease with my singarture on it i tried to reach the company and they went into bankrupcy so i can not reach anyone there and the collection agency is giving me a hard time bout getting it removed it is messing with my future of my housing and need some guidance to help me fight this equifax removed it out of public recored but wont take it out of collection even after the courts verified that i never was ask to goto court on this matter

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Experian and XXXX REFUSE to remove the credit accounts ( XXXX, XXXX and XXXX ) from the potentially negative/derogatory category 5+ years after bankruptcy discharge. 
This is in direct violation of the relief guaranteed under the Bankruptcy Law. All negative and derogatory credit files shall not be reported as NEGATIVE. They may remain on the file for " UP TO '' 7 years from delinquency, but may not be reported as NEGATIVE. 
Experian and XXXX. 
Both Agencies are Fraudulently reporting Negative Credit activity POST-BANKRUPTCY, making creditors " think '' I have bad credit AFTER THE BK. I have perfect credit Post-BK and I want these accounts removed from the derogatory reporting category. 
I also want them removed from both my credit reports NOW as compensation for the false negative reporting. 
Neither Agency will comply with the LAW and are hiding behind the FCRA 7 year rule. This rule does NOT allow the Negative reporting Post BK discharge and Neither does Federal Bankruptcy Law.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2015 about Payday loan () with CASHCALL, INC. (IN).
Issue: Charged fees or interest I didn't expect

Complaint: The interest was XXXX apr. and would get paid down to around XXXX they would reloan and back to the full loan value which was XXXX plus their interest. We ended up paying it off the loan value paid was around XXXX. Which started out yo be XXXX. Was notified that the place could n't loan in the state of In. not for more than XXXX. Cashcall is the name of bussiness calling to try to collect money back. Then it went into XXXX, Then it went into XXXX XXXX then we got in with XXXX XXXX and made payment arrangements to pay it off thru them. It 's paid in full but XXXX say 's they need their money. What step can we do to get our money back. Thanks XXXX XXXX e-mail me with the answer or call XXXX and talk to XXXX XXXX which handles my finances.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WI).
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: Since XX/XX/XXXX, I have been trying to have Equifax and XXXX to update my credit report, delete unquiries XXXX XX/XX/XXXX and accounts older than 7 years old. Equifax still reporting a collection that I am no liable for, even after evidence from my health insurance has been submitted showing I have no responsibility. Equifax per information submitted to my previous complain stated that they verify my name but did not acknowledge the insurance evidence, the collection needs to be removed, I also notified the bureaus that on XX/XX/XXXX, my license, social security cards were stolen, there have been inquiries to my credit even after I placed a freeze and yet the bureaus have failed to prove that it was in fact me who made the requests. And lastly they are reporting accounts that are more than 7 seven years old.

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2018 about Debt collection (I do not know) with Turning Point Solutions LLC (CA).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: See complaint number XXXX for reference. After stating that I would no longer be contacted for a debt owed by someone ( XXXX XXXX ) who had my phone number over 3 years ago, I have once again been contacted by someone claiming to be XXXX XXXX with XXXX XXXX XXXX. Call was this morning ( X/X/2018 ) at XXXX ( PST ). 

I do n't know XXXX XXXX, STOP CALLING 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 02-01-2018 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (FL).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: Due to working away from home and also moving to a new home, I do not have all of the exact dates and documentation. I also thought the matter had been resolved.

When I went to the register to purchase my items at XXXX XXXX sometime XX/XX/XXXX, the cashier asked if I would like to earn points for future purchases. She explained the promotion, however, never mentioned that I was applying for a credit card. I entered some information on the XXXX XXXX and also presented my XXXX XXXX XXXX. When I walked out of the store I thought the purchase was charged to my XXXX XXXX XXXX.

When I went to the next store to pay for my items, I could not find my XXXX XXXX XXXX While looking for my card, I found the receipt from XXXX and then noticed the recent purchase was not charged to my XXXX XXXX XXXX. I immediately went back to XXXX   and asked them to return my XXXX XXXX XXXX ( which they did ). I also asked them to remove the recent transaction from their card and add it to my XXXX XXXX XXXX. XXXX refused to do it. I then called XXXX ( credit card company ) to cancel the card and they said they could not do it.

When I returned home from work in XX/XX/XXXX, I received a bill from XXXX/XXXX. I called XXXX to pay the bill with my XXXX XXXX XXXX. They refused to accept it, and said I must send them a check ( which I did-see attached ). They said they would waiver the late fee after I explained the events that occurred at XXXX  and that I was out of town. However, further statements came with some fees that did not make sense. I NEVER made any new purchase and I asked them to CANCEL the card several times in the past 2 years.

I made numerous calls to XXXX  and was always assured a XXXX  balance each time. Because of my physical move, the only documented conversation I have with XXXX is with XXXX, Confirmation # XXXX,XX/XX/XXXX. The XX/XX/XXXX balance was {$55.00} ( see attachment ). The latest XX/XX/XXXX bill balance is {$17.00}. No new purchases have been made. They removed portion of the fee???

This has hurt my EXCELLENT credit rating.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I disputed my personal information before. I also sent my drivers license before as requested. I keep getting name change and address change alerts from XXXX XXXX. It stated last week, that my correct address was removed and another address was added. Which was incorrrect? I only have one last name ans always have which is ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PR).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have incorrect information shoeing a car repossed and late payments on my mortgage which i have never been also it shows late payments on a joint account i never agreed to its all errorz. They refuse to eliminate my incorrect negative accounts all 3 credit bureaus for last 10 years. I wish i would had known about this website. XXXX bless

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Debt collection (Other debt) with The Thomas Agency, Inc. (ME).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Thomas agency pain in full, $ XXXX-still on credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2018 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 information incorrect

Complaint: I have told experian that the XXXX XXXX XXXX account, XXXX, theyre reporting is incorrect. According to the FCRA all inaccurate information must be removed and I want this removed as it is in violation of my rights! They are willingly non compliant

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 10/26/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with KelKris Associates Inc (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: In XX/XX/2014 XXXX evicted me from my low-income, subsidized unit -- the eviction was murky, and the reasons ultimately given, which I have in writing, was " other than non-payment of rent -- behavioral concerns. '' Still might seek legal action against this shady landlord ... 

XXXX thing they did was send me a bill for expenses that are by all rental laws I 'm aware of THEIR RESPONSIBILITY -- they own and manage the unit, and whatever they have to do to prepare it for the next tenant is their expense. Instead, they billed me, then, when I did n't pay them, immediate sold the bill to the first gullible collections agency ( not that I care for collections agencies, either, lol ) they could find. I 've tried disputing the bill, and have gotten no answer. Please help me resolve this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief