milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-05-2016 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: COMMONWEALTH FINANCIAL XXXX I am sending this letter to you in response to your reporting of an account to my credit report. To my knowledge, I have never been notified that I owe you a debt. Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. I request proof that I am the party which has a binding obligation to pay this debt and only by providing the following documents will legal validation be satisfied under the law. 

Complete balance and payment history, if any, to show amount sought is accurate ; the requirement of which has been established via XXXX v XXXX XXXX XXXX XXXX ; XXXX XXXX. App. XXXX XXXX. 
Agreement bearing my signature where I promised to pay you or another creditor the alleged debt. 
The agreement granting you the authority to collect on this alleged debt and if purchased, proof of the amount you paid for the debt. ( XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX ) - ( Information relating to the purchase of a bad debt is not proprietary or burdensome. Debtor must phrase their request clearly to obtain : The source of a debt and the amount a bad debt buyer paid for plaintiff 's debt, how the amount sought was calculated, where in issue a list of reports to credit bureaus, and documents conferring authority on defendant to collect debt. ) Provide proof of XXXX delinquency and last payment date to original creditor, if any.I know my rights. I know that upon this notice you are required to cease all collection activity until complete validation is provided in writing. I know you must cease all phone calls to me whatsoever and may only communicate in writing to provide me complete validation or to notify me that you are closing the account and cancelling your collection efforts. I remind you that many courts have ruled ( XXXX XXXX, Plaintiff, vs. XXXX, No. XXXX XXXX UNITED STATES DISTRICT COURT, XXXX, to name only XXXX ) that the reporting of a collection account to a credit reporting agency is also collection activity and therefore, since you have reported it you must have it deleted from my credit report. Simply placing an " in dispute '' statement to the credit report violates my rights under law. I would suggest you check with your legal department regarding this as I intend to hold you accountable should my rights be violated any further. 

It is my intention to enter into good faith negotiations to settle the debt in question only when and if proper validation is provided. I look forward to a speedy resolution of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I the consumer declare that in XXXX XXXX that I pulled my credit report from the three major credit reporting bureaus and noticed there were several accounts and multiple hard inquiries I did not recognize and did not authorize. Those accounts contained account numbers that I did not recognize and origination dates that are clearly erroneous. I did not open or said accounts with any of those companies on the dates listed on my credit report. I did not authorize anyone to use my name or personal information to obtain money, credit, loans, goods or services- or for any other purpose. Neither did I receive any money, goods, services, or other benefits. I have cooperated with law enforcement by providing all information I had regarding these fraudulent activities as my personal information was stolen. Someone has been using my personal information without my knowledge or permission from XXXX XXXX to XXXX XXXX. I have filed a complaint with the Federal Trade Commission since Pursuant to the XXXX Privacy Act all 3 credit bureaus violated all privacy rights by sharing my information with businesses without my permission.I put Equifax, XXXX, and XXXX on notice and they have not complied within 30 days time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2015 about Credit reporting () with EQUIFAX, INC. (OR).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have never own a Credit card from the XXXX and it appeared on my credit report as collections balance to XXXX. As I have obtained a mortgage for my retirement home in Oregon, lender asked me to pay the full balance in order to get the loan closing because the credit reporting agency has been refusing to remove the error off my credit report! I paid the full amount of someone else 's financial misdeed. My husband and I are on a fixed income please help us to get our money back. Than you

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX is reporting on my credit reports on all XXXX bureaus as if I owe them money and this account was established in 2016. I have never borrowed money or taken money from this company for a loan to default on. I need this collection account removed from all XXXX bureaus immediately. I have tried to dispute with them and collections agency. They never verify the debt just states that it was verified. I need proof of my signature otherwise they need to remove this from my credit file.

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 03/26/2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I wante to pay on mywasher and dryer, i was told that my acct, was closed i ask why then i was told that i had filed chapter XXXX, I said know way i 've never filed chapter XXXX in my life. What should i do about this? So i do n't know wh did this. It was'nt me.

Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Specialized Loan Servicing LLC (MA).
Issue: Loan modification,collection,foreclosure

Complaint: Re : Specialized Loan Servicing , LLC ( " SLS '' ) In an effort to do a Short Sale on a property that my XXXX year oldmother owns, SLS, has scheduled an auction of the property forXX/XX/2015. We have submitted all requested documents andwere initially told that consideration of the Short Sale process wouldproceed. Upon calling SLS yesterday, my mother was informed that SLShas decided NOT to go ahead with considering the property for ShortSale because we are too close to the auction date. We currently have aCASH offer for the house and are seeking postponement of the sale datein order to be considered for a Short Sale.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2016 about Credit card () with CITIBANK, N.A. (IL).
Issue: Other

Complaint: i have been the victim of several online fraud scams. i called my bank for help with this and told them i signed a contract with them but the merchants merchandise was not as described and no service was rendered.the company was XXXX chip dev. who i paid XXXX sent a contract in and that was it case closed.i thought my citi card would have looked into it a little further .i must have some recourse available to me.i am XXXX XXXX XXXX and have no functional online business, earn no money, and ended up heavily in debt. i thought citi had a fraud guarantee.i dont feel i have been treated fairly and these people use unfair and deceptive trade practices.citi does not seem to do much work investigating these merchants.i am asking for a fair resolution to my problem.

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 06-09-2017 about Debt collection (Auto debt) with SRA Associates, Inc. (NY).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: O n   XXXX   XXXX   XXXX   I receiv ed a call on my cell number from collection. Demanding a payment over the phone of {$1000.00} otherwise they will report to credit bureau. After the initial shock I asked for more information. I was informed that they partner with  XXXX  and since I did n't make a payment of {$1000.00} on time to  XXXX  they sent my claim to collection.   To begin I never received any bill or invoice in the mail, never received a phone call from  XXXX . I was also informed that the claim was for insurance deductible. But my insurance  XXXX  which I still have never claim that payment either.   Immediately after, I called  XXXX . I was transfer many times and nobody could explained to me why and who transfer the claim to collection. They all said the same to call collection because my information was no longer available to them. I asked to speak with a supervisor and I received the same answer. I called back collection but they said the answer to my question was with  XXXX . The played me really bad, and then the threats to my credit began. Same date I submit a claim to BBB complaint ID #  XXXX . O n  XX/XX/XXXX  I r eceived a letter indicating that  XXXX  had not responded to their letters they sent on my behalf.  XXXX   XXXX   XXXX  I found that  XXXX  had file a negative report on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2017 about Payday loan () with CURO Intermediate Holdings (TX).
Issue: Charged fees or interest I didn't expect

Complaint: I received a payday loan from XXXX and ended up gett other loan to pay that loan. I was paying XXXX $ every pay check but only XXXX $ for wha was being paid went to the principle. It would ha taken 17 payments making a XXXX $ loan cost me ove XXXX . 
I ended up lost in in loop now I owe speedy cash for a ridiculous sum as well as th cash store. I XXXX and ca seem to find out way to stop th loans gaining more and more interest. 
What can I do? If there help without another loan I 'd like to know.

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2017 about Payday loan, title loan, or personal loan (Installment loan) with WELLS FARGO & COMPANY (AL).
Issue: Getting the loan

Complaint: Afte r Wells Fargo den ied my loan, I sent the company the below letter and received no response I am responding to your  XXXX   XXXX , and  XXXX ,   XXXX  , letter informing   me my co-signer load was denied. Please provide answers to the below questions : 1. How Wells determine whose loan will be approved 2. Specifics, why my load was denied. Please do not indicate generalities.
3. Minimum credit score required to receive a loan 4. My point score 5. Ple  ase provide evidence which states specific creditors reported I had pass and current delinquencies.     I am requesting that you email me specific, detail reasons, why my co-signer loan was denied. According to pass phone conversations wit  h Wells load specialist, I had pass and current delinquencies.
If you are unable to provide specifics, one can conclude Wells makes subjective, arbitrary, and capricious loan decisions. Your letter states that my credit report indicated I had delinquencies.
I will litigate this matter and file a formal complaint based upon racial di  scrimination, and will argue that  XXXX  who have lower credit scores than  XXXX  and no relationship wit  h Well Fargo are afforded student loans.
Taking into consideration my current banking relationship with Wells, I am extremely disappointed Wells denied my loan. I have my IRA account with Wells, along with  XXXX  other savings and checking accounts.
Finally, according to my credit report that Wells Fargo provided, my credit score is    XXXX . My credit report indicated that I have no credit card debt, I had  XXXX  delinquencies, which were paid in full. I look forward to expeditiously hearing from you.   Sincerely,  XXXX   XXXX   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 10/13/2017 about Vehicle loan or lease (Lease) with ALLY FINANCIAL INC. (CA).
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint: I leased a vehicle through Ally Financial, made all the required lease payments and turned in the car two months early, fulfilling my lease obligation. I then receive a letter from All saying I owe {$38000.00} as a " Gross Early Termination Amount '' so I immediately called them. Ally stated this letter was the standard/generic letter that goes out when a customer returns a vehicle and not to worry. I called a month later to follow-up on my final billing. Ally is telling me they ca n't issue a final billing until the car has been sold at auction. I have extensive experience with leasing vehicles, however always with XXXX XXXX XXXX who treats their customers like gold, and never with Ally. This policy of Ally 's seems to be illegal and I will never use them again.

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 05-03-2016 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (KS).
Issue: Other transaction issues

Complaint: I am a small business trying to transfer money to a contractor in XXXX that translated our website to from English to XXXX. Western Union had put my transfer on hold 3 times before approving it, withdrawing the money from my account, and telling me that the transaction would go through on XXXX XXXX ( today ). I got another message that the transaction is on hold and that they need a copy of the recievers photo ID. I decided this was too much of a hassle and tried to cancel the transaction only to be told I still need a copy of the recievers photo ID before they 'll refund the money to MY account.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2017 about Debt collection (Credit card) with ONLINE Information Services, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My parents received a voicemail from XXXX saying that I had outstanding debt. However, I do n't having any outstanding debts at all. They left a reference number. My mother told me and I called back to resolve the issue. I had already searched the number before I called and saw that others had issues. They asked me to verify the last four digits of my social security number. I said no and they hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 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: Their investigation did not fix an error on your report

Complaint: I sent a letter over to Experian for investigation into the accuracy of the information that has resulted in a public record Bankruptcy. They sent a reply back within 6 days, when a proper investigation takes up to 30. I contacted the Federal court and they stated they do not verify any information over the phone. I would like Experian to provide me with verified proof. I also did a dispute with XXXX XXXX XXXX XXXX XXXX reviewed the bankruptcy information. Case or ID # XXXX the results are : This item has been deleted from the credit file. If you have, additional questions about this item please contact : XXXX XXXX XXXX XXXX XXXX. Attached is proof of this account being deleted!!! Please follow suit and delete this information as well. I formally request that the following inaccurate items be immediately removed from my credit report. This must be removed in order to show my true credit history, as these items should not be on my credit report.

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 12-07-2017 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: Equifax has my current address correct, but my previous address wrong. In order to check status of any dispute with them. you have to supply both current and previous address ( if you have moved in the last 2 years. ) I have tried to get this fixed many times. Once, they instructed me to fax many forms of personal ID to a fax location open to all employees. I refused, as they have a poor record with data security. I was able to find the bad address through their " XXXX '' program that they have to offer due to their data breaches, though that data has been erased now. The address was in North Dakota and when I search on the address, I found that the address is a PO box for a bank credit card. Surely, even Equifax would know that I have never lived there. I have given them the correct data, but they will not fix it. What can I do?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/25/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Customer service / Customer relations

Complaint: CapitalOne has repeatedly refused to allow my card from 2005 to remain open, its since gone inactive after I REPEATEDLY requested they send me my card. They asked for proof of address along with ID. I HAVE SENT IN ALL. THEY WILL NOT HELP AT ALL

Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (VA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: The XXXX XXXX of XXXX, a branch of the XXXX XXXX XXXX XXXX, claims that they are an accredited college. Yet while trying to find options to consolidate and refinance my student loan they are absent from all lenders list of Title IV schools. Therefore I do n't have the option to refinance and lower my rate. My loans are through Navient, who the XXXX XXXX XXXX XXXX directed me to use as a lender. I have a variable rate interest that can be raised at their discretion and the rates continue to go up every month. The XXXX XXXX XXXX XXXX is misleading by saying that they are accredited. What is my recourse?

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have never checked my credit report before this was the first time and I seen many things that do not belong to me such as medical bills and unpaid cable bills I 'm guessing thru direct tv which has never been a provider of mine and I just want to get all theses things cleared up

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2015 about Debt collection (Medical) with Overton, Russell, Doerr and Donovan, LLP (NY).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Under a recent direct of all three credit reporting agencies, on behalf of a collective effort of the Federal Trade Commission and the Consumer Financial Protection Bureau, all medical collections can not be posted on a consumer 's credit report until the following criteria is established : The consumer must be given an updated invoice by the service provider, stating that he/she has 30 days to rectify the balance personally or through insurance coverage. 
The service provider must state that the invoice will not go into a collection status until the 30-day timeline has been completed, and a specified date must be given to the consumer. A service provider can not submit a medical invoice to a licensed debt collector until after the 30-day timeline has been completed, without exception. 
If the 30-day time has passed, the service provider can at that time turn over the invoice to a licensed debt collector in the consumer 's residency state. 
The debt collector must submit a written notice of collection, stating that the consumer has 180 days to either rectify the debt personally, settle the debt amicably, or to expedite that an insurance carrier will pay the medical claim. The debt can not be posted on a credit bureau for collection until the 180-day timeline has passed, also without exception. 
I hereby state that the attached medical collection is now illegal, and that the new collection guidelines for medical debts are applied to existing collections. The old collections and their processes were not grandfathered in by the change in policy by XXXX XXXX and XXXX respectively. That means all medical debts come off my report and that I must be given a fair chance to rectify the debt through the previously mentioned criteria.

Company response to consumer: Untimely response
Consumer complaint received 07/28/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (MN).
Issue: Loan servicing, payments, escrow account

Complaint: Using a modification plan we complied with all they asked for & were told we would receive help. Big deal. We received a modification congratulations that we had complied & our modification gave us the same XXXX high ) interest rate & a {$20.00} per month payment reduction. We have been trying hard to save our home until we can sell as we have a lot of equity.

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