milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-01-2017 about Debt collection (Medical debt) with Franklin Collection Service, Inc. (NC).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: These were medical bills that were sent to the debt collectors after the provider mailed the incorrect insurance company. I was covered 100 % under my insurance and should have never been billed. I reached out to the collection agency with no help at all, also reached out to the medical facility that stated they would not be able to help because they are not the establishment who billed me (   XXXX   XXXX    )   XXXX   XXXX   XXXX  -- - {$100.00}  XXXX   XXXX   XXXX  {$110.00}  XXXX   XXXX   XXXX  {$110.00}  XXXX   XXXX   XXXX  {$110.00}  XXXX   XXXX   XXXX  {$140.00}  XXXX   XXXX   XXXX  {$200.00}  XXXX   XXXX   XXXX  {$200.00}  XXXX   XXXX   XXXX  {$220.00}  XXXX   XXXX   XXXX  {$700.00}  XXXX   XXXX   XXXX  {$240.00}

Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2017 about Debt collection (Credit card debt) with Firstsource Advantage, LLC (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a letter fro m Firstsource Advantage LLC dat ed  XXXX    XXXX ,2017  stating that an account (  XXXX   XXXX  Credit Card ) has been placed with their organization for collections with a balance of {$1200.00}. On  XXXX   XXXX ,  2017  I sen t Firstsource Advantage LLC a letter that t hey received on  XXXX   XXXX ,  2017  to provide me with proof that this debt belongs to me. As of  XXXX   XXXX ,    2017  I still have not received a response fro m Firstsource Advantage LLC. Theref ore, the collection agency failed to validate this debt in the required time frame. I have attached a copy of both their letter and mine along with proof of them receiving my letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (FL).
Issue: Loan modification,collection,foreclosure

Complaint: Wells Fargo is raising my payment from {$1300.00} to {$2900.00} while in bankruptcy, the only reason they are giving is because they made a mistake, and the insurance is not even included. Please help me!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I called Transunion because I feel I was a victim of the credit inquiry Issue and they refused to help me.I have several credit inquiries that I do n't even recognize and need Deleted!
I will list them, perhaps something can be done if you contact them!
 XXXX  Date Filed  XX/XX/XXXX  Type Miscellaneous and public record Phone Number (   XXXX    )   XXXX   Address   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   Date Filed  XX/XX/XXXX  Type Miscellaneous and public record Phone Number (  XXXX  )  XXXX  Address   XXXX   XXXX   Do you see errors in your report? SEE OUR DISPUTE   XXXX   XXXX  -130 Date Filed  XX/XX/XXXX  Type Miscellaneous and public record Phone Number (  XXXX  )  XXXX  Address   XXXX   XXXX   XXXX   XXXX      XXXX   XXXX   Date Filed XX/XX/XXXX  Type Finance other than personal Phone Number (  XXXX  )   XXXX   Address   XXXX   XXXX   XXXX      XXXX   XXXX   XXXX   Date Filed  XX/XX/XXXX Type Finance, personal Phone Number (   XXXX   )  XXXX  Address   XXXX   XXXX   XXXX    XXXX  Date Filed XX/XX/XXXX  Type Finance other than personal Phone Number (   XXXX   )   XXXX   Address   XXXX   XXXX   XXXX     XXXX   XXXX   Date Filed  XX/XX/XXXX Type Automotive Phone Number (  XXXX  )  XXXX  Address   XXXX   XXXX   XXXX    XXXX  Date Filed  XX/XX/XXXX  Type Banks and   XXXX   XXXX   XXXX   Phone Number (   XXXX   )  XXXX  Address   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 05-11-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (NY).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX XXXX, I applied for HAMP through Ocwen Loan Servicing LLC to try and reduce my monthly payment. The application has taken approximately 1-year to process, and Ocwen has since been close to impossible to contact regarding the matter. They are constantly assigning new people to my case, which is making it more difficult to get things resolved. 

Additionally, my automatic payment option to pay for my mortgage has been turned off by Ocwen two times. Several attempts, on my part, have been made to submit the necessary paperwork to get the automatic payments set up again, but they have not been able to successfully reinstate it. Since this has happened, Ocwen has claimed that my loan is past due, however, my bank statements show that Ocwen has pulled the payment amount from my checking account ( where is the money going? ). My mortgage is approximately $ XXXX/month, but Ocwen has sent me several, certified letters claiming that I owe close to {$17000.00} for 3 months in arrears ( 3-months multiplied by {$2300.00} is {$6900.00} ). Their letters have claimed that I am in danger of losing my home. 

As a senior, and widower, I have been on a fixed income for several years, and have always paid my mortgage on-time ( my credit score is consistently in the XXXX FICO range ). I do n't have any understanding as to why my payment plan has been altered by Ocwen, and I am frustrated with the fact that Ocwen has made no attempt to help me get my payment plan activated. It is as if they WANT me to go into arrears so they can foreclose on the property. Meanwhile, the funds are in my checking account. 

Please investigate this matter, because as of XXXX/XXXX/XXXX, I have noticed ( based on CFPB data ) that out of XXXX complaints against Ocwen, XXXX are related to loan servicing, payments, and escrow accounts. This represents XXXX % of their total complaints, so clearly the issue is not with the borrower.

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. (AZ).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XXXX XXXX, 2017, my Experian credit report shows 11 hard inquires and an additional 8 inquires on XX/XX/XXXX. At that time, I agreed to co-sign on a vehicle but had NO IDEA, my credit would be checked 19 times!! 

A list of the credit unions include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I realize that these are inquiries and have not significantly affected my credit SCORE but I was just denied for a travel benefit credit card due to this number of inquiries. I would sincerely appreciate if something could be done to have these removed.

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 04-06-2016 about Mortgage (Conventional fixed mortgage) with REGIONS FINANCIAL CORPORATION (FL).
Issue: Credit decision / Underwriting

Complaint: inaccurate information in this account. 
improper collection practices

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 11/19/2015 about Consumer Loan (Vehicle loan) with BARCLAYS BANK DELAWARE (IN).
Issue: Managing the loan or lease

Complaint: I paid off my daughter 's car loan. The company insisted in splitting the payoff into multiple transactions. The loan was paid off as a cash advance from my credit card company instead of as a credit card transaction as i had been led to believe. It was not explained to me that i would be charged a fee for each transaction. The fees charged by Barclay on my AAdvantage Mastercards totaled {$330.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 11/14/2016 about Consumer Loan (Installment loan) with LENDING CLUB CORP (TX).
Issue: Managing the loan or lease

Complaint: I took a loan from Springstone Financial now Lending Club in XX/XX/XXXX through dental office " XXXX '' in the amount of {$24000.00} for dental implants. When I signed up for the loan I was told that it is interest free for 24 months and after that the interest will kick in on the amount remaining in the account. In XX/XX/XXXX, I was charged {$6400.00} in my account. I contacted Lending Club and asked about these charges and that 's when they explained to me that these are deferred interest charges from the 24 months of their promotional plan that just expired that month. I had {$3300.00} remaining from the original {$24000.00} loan. I immediately paid this amount. I also disputed the interest charges ( {$6400.00} ) and asked to close my account. I was told that I will not be able to close my account until the disputed amount is resolved. I was also told that I do n't need to make monthly payments on this disputed amount until it is resolved. Since then, I am being charged every month finance charges ( {$160.00} for XXXX and {$190.00} for XXXX ) on amount that I 'm disputing and on the account that I ca n't close. These are very high charges that are unfair to me since I am in this financial position because the terms were not provided to me the day I signed up for this loan. I received a letter on XXXX from Lending Club rejecting my request to dispute these charges explaining to me that these are " valid ''. And that the plan information was provided to me in my monthly statement. The crucial information of " Deferred interest '' was never provided to me when I signed up for the plan for me to make a decision to take it or leave it. Also because I was not informed about this condition in the plan, I did n't not look for it in the monthly statement. I believe that I was tricked to sign up for a plan and was not made aware of its crucial condition and wo n't be able to withdraw from it if I saw it after the fact because of my dental needs at the time. 
Quick search in the internet, I found that Springstone Financial ( now Lending Club or XXXX ) has lawsuits and CFPB Actions regarding the " Deferred interest promotional plan '' that I apparently was signed up for without my knowledge because of deceitful means used to promote this plan. In the CFPB action that I am attaching here with my complaint, Springsone was ordered to refund {$700000.00} in consumer relief to 3200 consumers as a result of the deceptive marketing and enrolment practices in its dental-service provider network. Springstone was also ordered by CFPB to reimburse and notify consumers affected by these practices. I am a consumer that is affected by this program and I am finding Lending Club action to pursuit me with these charges after CFPB took actions against them unfair and unreasonable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04-09-2016 about Payday loan () with Harpeth Financial Services, LLC (TN).
Issue: Charged fees or interest I didn't expect

Complaint: I got an loan from Advance Financial based in XXXX, TN. And I am inquiring if they can continue to charge me this outrageous percentage to pay them back. I told them I was in the military ( in the XXXX XXXX ) but they said I was fine and continued with the loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2015 about Mortgage (Conventional fixed mortgage) with PHH Mortgage Services Corporation (VA).
Issue: Loan servicing, payments, escrow account

Complaint: I have held a mortgage with PHH Mortgage and its predecessors for the past XXXX years. I refinanced with them XXXX years ago for the same property. Since then, they have instituted aggressive collections calls when my mortgage is not even overdue. I have never paid this mortgage XXXX days late nor have I paid a late fee for being past the grace period. I do n't understand then why they call daily from their collections department every month if I do n't pay exactly on the XXXX. It usually starts with robocalls on the XXXX. And I do n't want to pay them until my tenants ' rents are paid. Their XXXX outsourced call center is incompetent as well. I told them to not call me but they said they would continue to do so. And they call cell and home multiple times. They told me they want me to sign up for automatic withdrawal or they will keep calling. Well, I do n't trust them with my checking account. They have n't proven to be trustworthy. I see no basis for calls when the bill is not overdue. I always pay by the XXXX. Usually the XXXX. I have another mortgage with the same company, and they never call me regardless of when I pay. This second XXXX was n't refinanced and is the original loan. They are both on the same servicing website XXXX It makes no sense and is very offensive. Please help until I can refinance and dump them. The actual loan rate is fine. It is just their utter disrespect and incompetence I ca n't stand. Since when does a company start collections on someone every month and insult someone who chose to keep them when they refinanced? Had I known, I would have found someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I have multiple duplicate inquiries on my credit file. I received an notification a while back on XXXX they were removed and they have reappeared. I have alot of duplicates from the same day and that is incorrect.

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 04/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
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: On several occasions in XXXXand as recent as recent as XX/XX/XXXX I contacted Transunion to dispute bankruptcy and requested them to provide where they're verifying said bankruptcy or delete because their source isn't reporting a bankruptcy. I was told they got their information from XXXX. I contacted XXXX on two occasions to verify said bankruptcy. Most recently, XX/XX/XXXX I received a copy of my XXXX report once again. Transunion maintains they're verifying and validating the bankruptcy they're reporting from XXXX. I received 3 reports that stated this from Transunion. My XXXX report does not have the Bankruptcy I disputed as well as sent a letter of validation, verify or delete to Transunion about. I'm confused, how can Transunion say they've verified information with XXXX that is not at all on XXXX to begin with? 

I would like this public record of Bankruptcy removed from my report immediately. I was lied to, and it is a violation of my FCRA rights for inaccurate information to 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 07/31/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Account was paid but never updated to the credit bureaus.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2016 about Payday loan () with Risecredit, LLC (CA).
Issue: Charged fees or interest I didn't expect

Complaint: This company agreed to settle this usury interest rate account for {$1400.00}, I have paid XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX {$500.00} on the settlement amount, my credit report says I owe them {$4700.00} on a {$3500.00} account, I paid them {$2700.00} on this account before my income was dramatically reduced, I have sent them {$500.00} on this settlement amount on this account XXXX. Please have them update my account as paid in full. I am a XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (OR).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: On XXXX XXXX, XXXX, I called XXXX Vacations and purchased an all inclusive stay at a resort XXXX nights. I was suppose to receive an email with the receipt and access to book to the hotel. I never received the email. I called the merchant few times to verify my information and the guy on the phone kept telling me that it will come, it will come etc. It never came. I noticed the charge on my account and immediate report the activity to Wellsfargo.
Wellsfargo told me that since they received a sign contract that I was liable for the charge. I never signed any contract. I never received any email. I call Wells Fargo has the card cancelled and proceeded with there dispute department ( all of which they claim is recorded and document ). The lady on the phone told me that " no one would care that Wellsfargo was stealing from me. '' Please see the attached. 

My signature is very distinct. I have worked on it since I was XXXX years old. The loops in the cursive XXXX XXXX I get from my mother. My bother also does the same thing. Please see attached.

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 monetary relief
Consumer complaint received 08/31/2017 about Debt collection (Medical debt) with Amsher Collection Services, Inc. (AL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I had a XXXX in XXXX of XXXX and have XXXX XXXX XXXX XXXX XXXX through the state of XXXX which is XXXX of the best insurances in the state. I paid my copay of {$150.00} BEFORE the procedure and everything else was covered. I never saw a bill and found this on my credit a few years ago. I have tried to dispute this many times and I always get a " it is your debt '' back. No one is questioning that. I am saying I do NOT owe it bc I already PAID it. I have disputed it with both XXXX and 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 01/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XXXX  has violated my privacy on multiple occasion by contacting third parties without my permission. They are in violation of 15 USC 1692e for using my name in vain and for false representation of my information without my permission. Inaccurate information must be corrected or deleted. A CRA must remove or correct inaccurate or unverified information from its files, usually within 30 days after you dispute it. They are now trying to report a fraudulent address. 
Section 623 ( b ) ( 1 ) ( A ) and ( b ) ( 1 ) ( B ). I HAVE NOT granted them access to report my information or discuss it with a third party yet they continue to do fraudulent and frivolous so called investigations. I am a victim of identity theft and CRAs are prohibited from reporting fraudulent information. 15 USC 1692F. 
They have been notified by certified mail : XXXX on XX/XX/XXXX and certified mail XXXX on XX/XX/XXXX. We are now prepared to take legal action if this is not resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2017 about Consumer Loan (Installment loan) with FIRST HERITAGE CREDIT LLC (AL).
Issue: Managing the loan or lease

Complaint: I went in to make a payment on my account and I noticed that the computer showed that I owed more than I was suppose to. I asked the employee why was it showing that but she had no explaination so she proceeded to get the manager! When the manager looked at my account, at first she could n't figure out why either, so I asked for a copy of my payment history and saw mistakes! I pointed the mistakes out to the manager but she said that I was wrong and started claiming that I missed a payment. When I told her that I had not missed a payment and that she was lying she told me that if I did n't hush she would call the police and have me charged with trespassing and she also threatened to garnish my wages even though I was not behind on my payment. I told her that I was only trying to figure out what was going on about my account and asked her for her head office 's number but she still proceeded to in fact call the police on me and afterwards demand a payment from me! The police came and got a statement from me and after I left I called the supervisor to that office and explained what had happen and when she looked at my account even she admitted something was wrong! The supervisor was suppose to get back with me on the XXXX of XXXX but have not heard anything else from her! My account is getting further behind and I do n't know what to do!

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/31/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (KS).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Debt was paid to SW Credit Systems, for a XXXX bill. SW Credit systems was called and I was told that XXXX would have to remove the debt from my credit report. I then called XXXX and was told that SW Credit Systems should have removed the collection off my credit report beings they were paid. 
The collection shows it is still under SW CREDIT SYSTEMS as XXXX XXXX XXXX as the creditor.

Company response to consumer: Closed
Consumer complaint received 03/26/2017 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: Debt was Discharged when I filed my Chapter XXXX Bunkruptcy

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2016 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have a XXXX XXXX XXXX XXXX credit card account showing a open balance. This account was paid in full in XXXX 2014 and closed.

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