milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/15/2018 about Debt collection (Medical debt) with URS Holding, LLC (IA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Our account with XXXX XXXX XXXX Hospitals and Clinics was turned over to a collection agency called XXXX XXXX XXXX. When we realized this information we tried to contact XXXX XXXX XXXX  Hospitals who would no longer work with us regarding our account. We missed payments due to my husband 's multiple hospitalizations in XX/XX/2017, XX/XX/2017, and XX/XX/2017. We also tried to make payment arrangements with the collection agency XXXX, but we could not afford the payment arrangements they offered us. We offered to continue payment with what we could afford, and XXXX refused our payment we offered and stated that we would " HAVE TO GET A SHORT TERM LOAN FROM ONE OF OUR BANKS OR FILE BANKRUPTCY. '' I don't understand how collection agencies and hospitals can treat people this way, especially when we are trying to make arrangements to pay whatever we are able to pay. It is not an option for us to take a short term loan. My husband is recovering from XXXX and a XXXX XXXX XXXX and has just returned to work after being on medical leave for more than 2 years. We simply do not have any extra money ( certainly not the $ 500- $ 600/month ) which was the only payment arrangement offered to us by XXXX . Why can't they work with us or change the terms of the collection? I have never experienced anything like this before. This is not right by the hospitals or the collection agencies. My family will pay our medical debt, but we need help and flexibility so we can still continue to live and take care of our family. These payments are not reasonable or we wouldn't be in collections to begin with.

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 04/17/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Penn Credit Corporation (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I just found out through my credit report that the debt collection reported a balance of {$150.00}. I have never been notified of the debt or offered a payment plan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2016 about Credit reporting () with Experian Information Solutions Inc. (MN).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I went to the free credit report website to request my free annual reports. I was able to get reports from XXXX and XXXX without a problem. However, when I requested my report from Experian, it said that " a condition exists '' that prevented me from receiving my report, and directed me to mail my request. No other explanation was provided. This seems like a very intentional barrier created by the company to reduce the number of requests they receive. By making it more difficult to get a report, they likely stop many people from requesting them, and thus avoid having to provide them and address challenges to the contents.

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 10-05-2017 about Debt collection (Medical debt) with PMAB,LLC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: There is a medical bill from my daughter on my XXXX credit report. My daughter had XXXX at the time of service and the bill was placed on my credit in error. It was originally placed on my XXXX, XXXX and XXXX report. When I saw this error, I contacted all three agencies to let them it was incorrect. XXXX and XXXX removed the account after confirming it was not my debt. However, after multiple disputes and talking to both the XXXX and the reporting agency, XXXX is refusing to remove the account. Even though it has been proven to not be my responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Debt collection (Medical debt) with Commonwealth Financial Systems, Inc. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I recently received notification that my credit score had changed. I immediately checked with credit reporting agencies and found that my credit history with XXXX   includes a derogatory mark reported on XX/XX/2017 by a collection agency identified as Commonwealth Finance. The debt claimed is in the amount of {$1100.00} ; the original creditor is identified as " XXXX XXXX  ''. XXXX  would not provide any additional information. I have no knowledge of this activity and I was not aware of this alleged debt, nor have I ever been contacted by Commonwealth Finance, XXXX XXXX, or any other party regarding an outstanding account balance or debt owed in this or any other amount. As a result, my credit has been damaged without my knowledge and without the opportunity to dispute or otherwise rectify the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Loan modification,collection,foreclosure

Complaint: I have been trying for over Four years to get a Loan Modification from my servicer ASC / Wells Fargo, They have obstructed me in every way by losing the documents & changing the managers over & over & has made it impossible for me to get the modification, & recently XXXX issued a New Directive to all Mortgage Servicers for Principal Reduction Modification & I am well qualified & so I contacted my servicer & they are giving me the run around 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 04-06-2015 about Debt collection (Auto) with BMW Financial Services NA, LLC (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I do not recognize this account as it was opened as aresult of identity theft and needs to be removed from my record asap

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because XXXX has ignored my request to provide proof with the documents that their company has on file that was used to verify the accounts I disputed. They have gone past the 30 days and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all information which can not be verified '' that i have disputed. Please resolve this issue as soon as possible. Thank you,

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 11-02-2017 about Debt collection (Other debt) with I.C. System, Inc. (NV).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Unknown and outdated it appears, I have disputed with account and nothing has ever been sent to me regarding validation. Please help

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 01-08-2018 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: I received a call from " XXXX XXXX ''XX/XX/XXXX, The call entailed a man requesting a payment from me for a closed, pre-paid truck lease and in receipt of payment he would not damage my credit. 
This prepaid lease was a 24 month lease that ended XX/XX/XXXX and I do have a receipt from dealer and XXXX XXXX  of return of vehicle. 

He was willing to accept less if I paid 'NOW '' I then informed him that my contract was satisfied 6 months prior to his call and that no payment was due or owing. I just received informationXX/XX/XXXX, that my credit reports were updated to reflect missed payment? ( thats an impossibility ) This is my second compliant to the BBB about this company in less then a year now on two major issues. 

Desired Resolution : Correction to a credit report The Credit bureau reports that the last information added to XXXX XXXX was XX/XX/XXXX and sense that date someone added " missed payment 30-59 '' which just appeared on my report XX/XX/XXXX? How is that even possible?

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 Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (OH).
Issue: Fraud or scam

Complaint: XXXX XXXX phoned me about a malicious virus i had on my computer and charged me XXXX dollars to have it removed for a lifetime of any computer problems i might have in the future here is his bill he sent through pay pal. Yesterday i got a call saying the same thing from a diffrent company Go To Assist Company telling me the same thing so i went to my first co. and told them about it and they said there 's nothing they can do about it without charging me an addional XXXXTransaction DetailsPayment Sent ( Unique Transaction ID # XXXX ) Original Transaction Date Type Status Details Amount XXXX XXXX, 2015 Payment To XXXX XXXX Completed ... - {$470.00} USDRelated Transaction Date Type Status Details Amount XXXX XXXX, 2015 Charged XXXX Credit XXXX XXXX {$470.00} USDSent to : XXXX XXXX ( The recipient of this payment is Non-U.S. - Verified ) Email : XXXXXXXXXXXX amount : ( in currency funded ) - {$470.00} USDYour fees : {$0.00} USDYour total charge : - {$470.00} USDPayment amount : - {$470.00} USDXXXX XXXX XXXX fees : - {$20.00} USDXXXX XXXX receives : {$440.00} USDDate : XXXX XXXX, 2015Time:XXXX PDTStatus : CompletedFunds will be available to your recipient on or before : XXXX XXXX, 2015Note : The recipient can send or spend the full amount on this date. If the recipient wishes to withdraw money, limits may apply. 

Subject : You have sent {$470.00} USD to XXXX XXXX with PayPalFunding Type : XXXX XXXX Source : {$470.00} USD - XXXX

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 11-04-2016 about Bank account or service (Other bank product/service) with U.S. BANCORP (CA).
Issue: Account opening, closing, or management

Complaint: I have a business checking account with U S Bank for more than 10 years.The bank CHARGES EXCESSIVE FEES at the expense of the struggling, hardship and misery of a small businessman like me..I ask them to help me to process credit card transaction on my place of business last XXXX XXXX. After 9 weeks of no activity, people are not buying or spending anything and no transactions on credit card machine, I inform the bank that I can not continue to operate at loss every week, told them I will be GOING OUT OF BUSINESS. The bank told me FOR THE FIRST TIME after 9 weeks, that the credit card machine contract is NON-CANCELLABLE..The bank should have told me that from beginning. Deceiving and un-ethical. The bank told me I have to continue paying the LEASE @ {$43.00} a month even though I am going out of business and no means of income from my business..The bank know from the beginning, I keep them inform every week for 8 weeks, that I am losing money ... It is deception on their part, unfair and un ethical. I bank with them for more than 10 years..Please help me to stop them charging me {$43.00} /month, and cancelled the lease. I also tried to talk to the manager of the branch, but the manager refuse to help me resolve the problems.. Thank you. 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 non-monetary relief
Consumer complaint received 07/19/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Loan servicing, payments, escrow account

Complaint: In XX/XX/XXXX, I request which I had made to Bank of America to have my mortgage modified was granted. In XXXX, XXXX, XXXX, XXXX and XXXX, XXXX, I was instructed that I would have to go through a trial period for the months of XXXX, XXXX, XXXX, XXXX and XXXX, XXXX, to show that I would be indeed be able to make my payments as instructed. I was also instructed that during this period I should not pay more than the amount instructed as then I would not be in compliance with the terms of the modification agreement. I accepted this agreement and for those months, I made the payment amounts as instructed by Bank of America. My payments were made on time each month in the amounts specified. At no time was I informed by Bank of America that in making these modified payments, as instructed, my payments would be reported to the credit bureaus as being late. 
When I discovered that my payments for the above mentioned months had been reported as late, I contacted Bank of America. I requested that an explanation of some kind be sent to the credit bureaus as my credit was now very badly affected. A representative of Bank of America instructed me to send them a copy of my credit report indicating these late payments. I did so. I received no further communication from Bank of America, even after leaving messages for the person who had contacted me stating that she was my Customer Advocate. I was able to eventually speak to someone several weeks after the initial contact with the Customer Advocate. I was told that the Advocate had transferred to another department, thus the lack of follow-up from them. I again stated my case and made my compliant that I had not been informed that making modified payments would constitute late payments and this had never been told to me. 
On XXXX XXXX, I received communication from Bank of America stating that they can not remove the negative reporting from my file.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Enova International, Inc. (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: NC Financial is reporting a past due on my credit report that is not my debt and no one wil remove it. Never signed a note with NC Financial and they have asked me to fax them sensitive personal and financial information that is not proper procedure for a legitimate company. Example would be a faxed copy of the police report and a faxed copy of my bank account number and information.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2017 about Mortgage (Conventional home mortgage) with FIFTH THIRD FINANCIAL CORPORATION (IL).
Issue: Trouble during payment process

Complaint: I received a notice dated  XXXX / XXXX / XXXX  from my lend er, Fifth Third Bank,  regarding a shortage in my escrow account that I needed to pay by  XXXX / XXXX / XXXX . Upon inspection of the notice, I found several errors. First, the escrow statement showed that my lender was continuing to deduct PMI monthly, though no PMI payments have been reflected on my monthly mortgage statements since  XXXX   XXXX . I sent Fifth Third a request to stop PMI once I reached 80 % LTV ; by  XXXX   XXXX  my payments put me at 78 %  of LTV  so Fifth Third Bank is illegally containing PMI on my mortgage account, and have been doing so for months without my knowledge. Second, my escrow statement includes projected PMI payments well into  XXXX , though I am already below 78 %  LTV  ratio. Finally, escrow statement includes a double payment on my homeowners insurance for  XXXX  -- which they paid in  XXXX   XXXX  and my statement shows an additional  XXXX   XXXX  mortgage payment, which accounts for most of the escrow underage they claim I owe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-05-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Deposits and withdrawals

Complaint: I got scammed in XX/XX/XXXX. The scammer had me made payments to her Bank of America account on XXXX different dates : XXXX/XXXX/2015 for {$6800.00}, XXXX/XXXX/2015 for {$19000.00} and XXXX/XXXX/2015 for {$16000.00}. The account 's holder name is XXXX XXXX. I filed a fraud claim with XXXX XXXX on XXXX/XXXX/2015 but no replies from the fraud department. I also had filed police report, FBI report ( IC3 ) and FTC report. Since I did n't get the diplomatic package in the mail as promised, I should get my money back. The whole thing was a fraud.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with LendingPoint Holdings LLC (DC).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: OmXX/XX/XXXX, I was online getting coupins, and several popups were being advertised in order to get the coupons. I anserred several questions, and closed the coupon app realizing it may lead to spam. XX/XX/, I received a deniel letter for an application I never applied for, so I sent an email to the XXXX, and explained the situation, and now I am receiving harrassing calls. I requested an investigation, and the removal of credit inquiry from 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 02/14/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Select Management Resources, LLC (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: I have asked these people to stop calling me around 5 times already. There has been times when they call daily 2-3 times a day. They said that because I signed a contract with them, that they can call me as much as they want. I stated to them that by law they have to stop calling me and they say that they do n't care and that they are going to keep on. Also they threatened me to reposes my car. According to the contract I signed on paragraph XXXX it states that if I want for them to stop the calls, for me to let them know, which I have and they refuse to do so.

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 04/18/2015 about Debt collection (Credit card) with DISCOVER BANK (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Attempted phone calls to my wife 's job after telling them never to call there again after the XXXX time.

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: While trying to get a XXXX XXXX account and also a secured card through a credit company, I found out there was different information on my TRANSUNION credit report. When I contacted TRANSUNION, they had my last name from a previous marriage over ten years ago and refuse to change it. They tell me to contact my creditors, even though I have never opened up an account or gotten a loan in my entire life. The only thing I have is medical debt, all acquired in the years of my current name. I am at a loss of what to do and can not improve or move forwards creating credit for myself. THEY REFUSE! They also had a previous address and I would have to send information in to fix, which is going to have the wrong name and get thrown out anyways. HOW IS ALL OF THIS NOT ILLEGAL?

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 07/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (MD).
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 have been speaking to   XXXX   in the fraud department at capital one. I have sent several documents. There is an account that was opened in   XX/XX/XXXX  tha t was identity theft. My last conversation with  XXXX  stated she needed utility bills or other bills to prove my address at the time of the fraud. O n  XX/XX/XXXX  I sent  in    3 bills, 2 water and one car insurance bill. I received proof that it was received. I waited to hear  back from   XXXX   and after 30 days she did not respond so I sent her a letter on   XX/XX/XXXX  th at I needed her to get in contact with me as I had submitted all of the documentation she requested. This identity theft account should be listed as such a needs removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my information, which puts me ( along with about 143 million other US customers ) at risk. According to their website equifaxsecurity2017.com, I am listed as a potential victim of this breach, and I would like a resolution.

Company response to consumer: Closed with explanation