milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/25/2016 about Debt collection (Medical) with FMS Inc. (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: After reviewing my XXXX credit report I was very concerned to realize that I had negative items listed that are all medical debt from the same company FMS Inc with the original debtor showing XXXX. I immediately contacted XXXX and was told they did not have any services rendered to me with a balance owed ( I am including documentation ) which shows any services I had have a XXXX balance and that had if had any services ( Which I did not ) they would have been fully covered insurance. This leads me to believe either this is a matter of identity theft or someone else 's information reporting to my report. I have struggled to navigate through the muddy water of removing these medical debt inaccuracies on my credit report which continue the negatively impact my overall credit. I have never received any communication from FMS Inc stating that I owe the debt nor have they legally validated the debt after several disputes with FMS Inc. as well as XXXX & XXXX I have had continuous medical insurance with my employer since XXXX through XXXX as well as dual coverage from my husband which is a XXXX service member through XXXX. This is also validated through XXXX the original debtor which I am including in documents ( this would leave no reason for an unpaid medical bill ). I have disputed the validity of this debt with XXXX and Fms Inc. multiple times. I do n't know how The credit bureau 's or FMS Inc could accurately or fairly verify the accuracy of this debt and still remain within HIPPA laws. XXXX was unable to validate anything was owed which I am attaching Billing info as documentation. I am including my history with XXXX, My Insurance Info and everything else that should allow XXXX the promptly remove these inaccuracies from my report. I feel very violated that I even need to provide my medical history to show that I have not had services unpaid through XXXX. 

All account posted to credit bureau on the same day. on XXXX FMS XXXX XXXX/XXXX/XXXX {$3900.00} XXXX Debtor XXXX FMS XXXX XXXX/XXXX/XXXX {$2500.00} Origianl Debtor XXXX All account posted to credit bureau on the same day.XXXX FMS XXXX XXXX/XXXX/XXXX {$3900.00} Origianl Debtor XXXX FMS XXXX XXXX/XXXX/XXXX {$2500.00} Origianl Debtor XXXX FMSXXXX XXXX/XXXX/XXXX {$460.00} Origianl Debtor 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 12/14/2016 about Mortgage (Home equity loan or line of credit) with LoanCare, LLC (WA).
Issue: Loan servicing, payments, escrow account

Complaint: I had a second mortgage with LoanCare of VA. In XXXX XXXX I made my normal payment at the beginning of XXXX. Then at the end of XXXX I made my payment for XXXX XXXX. Then about four months later I started getting late notices. LoanCare had counted my XXXX XXXX and XXXX XXXX payment as one XXXX payment. I called and they fixed the issue and removed the late fee. They assured my at the time that their error would not so up on my credit report. It showed up on my credit report anyway as a late. The account was never late. I have complained numerous times to them and the credit bureaus but they refuse to fix their mistake.

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 03-09-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Received a letter claiming I owe debt on a Debt that was paid in full more than ten years ago. Called Convergent Outsourcing Inc to dispute the debt informed them that it was paid in full over 10 yrs ago. Later received another letter requesting information to complete the their investigation. As of now my bank I was unable to pull up my bank history due to the age of the acct. I feel that the original lender XXXX sold a debt that was already paid.

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2015 about Debt collection (I do not know) with JP RECOVERY SERVICES, INC. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: JP Recovery Services keeps calling my phone asking for someone named " XXXX '' at XXXX. I receive at least two calls a day with a robo recording. I answered once and was told by a representative that my number would be removed from the list. My name has not been removed and therefore I consider this harassment. I have no relation or knowledge of who they are trying to contact. I have had this number for a little over a year and have been receiving this calls this whole time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 03/29/2017 about Credit card () with CITIBANK, N.A. (MA).
Issue: Closing/Cancelling account

Complaint: I applied for a mortgage loan and the bank denied me because in the credit report appears radio shack account close ( they close it because they went to bankruptcy two years ago ). I continue paying my debt on time. The bank representative ask me for a letter from Radio Shack stating that they close the case and state that I being paying on time. When I called to Radio Shack the first representative told me that they ca n't send me a letter because they do not do that. I call again and the second representative told me that the letter will arrive in 7 days. After 7 days I call again to ask about the letter and the third representative told me that they will send the letter that day ( they did n't sent it ). At this time, has being pass 17 days and I do n't received any letter from them yet. Now I 'm confuse, if they close the account and damage my credit, do I need to continue paying this card? There is any way that I can get that letter from them, so I can provide this information to other bank in the future? Because apparently this will affect me to get a loan even though I still paying and be resposible with the payments. 
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 04/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: I received a letter of denial from XXXX for a XXXX XXXX credit card, based on information supplied by Trans Union. They stated my application was denied because Trans Union reported there were " too few accounts with sufficient satisfactory performance '' and " insufficient number of credit cards on your credit report ''. 
I went on line, as directed, and could not get a credit report from Trans Union, I did get them from the other two companies. I then called Trans Union and the first representative could not assist me and I was transferred to XXXX, a supervisor, and she could not explain why my information with Trans Union was different from the other two companies. I asked why Trans Union could damage my credit rating while the other two credit reporting companies gave me a much higher credit rating and she could not answer the question.

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 10/29/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I placed a catalog order with XXXX/XXXX, I was asked to make an initial make required deposit and did so. However, I never received the merchandise. I have made numerous attempts to have the information removed from my reports with no success. Please see my letter to them with other supporting documentation to support my request to dispute their inaccurate and false reporting to you. Their negative information is impeding my ability to get a mortgage. In XX/XX/XXXX, and XX/XX/XXXX repeatedly requested tracking numbers in order to verify that I never received the merchandise they claim they sent, and to substantiate the return of the money I paid them. They refused.

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2016 about Student loan (Non-federal student loan) with KEYCORP (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I co-signed on a loan for my step-daughter through key bank. Key bank is now charging me for XXXX large loans which are now in default. I did not take out XXXX large loans through key bank. I have asked them for both of the promissory notes multiple times. They will only send XXXX. I also believe that I am paying XXXX of the loans through XXXX. XXXX advised me that they currently hold a loan that was originated through Key Bank. I believe that I am being double charged for XXXX of the loans and the other loan does not exist.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2015 about Mortgage (FHA mortgage) with ARBOR MORTGAGE (NY).
Issue: Application, originator, mortgage broker

Complaint: Me and my wife ( a/k/a ) XXXX submitted an application for the refinance of our apartment building to Arbor XXXX Mortgage, XXXX XXXX Arbor XXXX in XXXX for an FHA loan ( which was discontinued, for some reason ) and then again we submitted another application for a XXXX loan on XXXX with Arbor. We had submitted a {$25000.00}. deposit with the application. After six XXXX 6 XXXX months time had passed, on the XXXX application, Arbor sent us a letter dated XXXX/XXXX/XXXX which was received by us, 31 days later on XXXX/XXXX/XXXX which turned us down. Later, Arbor told me that the reason was that the apartments were too small XXXX. Arbor knew the sizes of all the apartments back in XXXX XXXX when we sent Arbor a rent roll which depicted other information and the sizes of all the apartments and again in XXXX XXXX, which again, depicted all the apartment sizes. In spite of the above, Arbor ordered an appraisal for {$6000.00}. and an environmental report for {$4800.00}. on XXXX/XXXX/XXXX ( To this day we have never seen a copy of either report XXXX My problem is that they feel that they are entitled to keep {$13000.00} and only refund us {$11000.00}. I sent a letters to XXXX XXXX, CEO of Arbor, on XXXX/XXXX/XXXX and I never received a reply. Upon information and belief, XXXX XXXX, of Arbor, and the XXXX underwriter XXXX XXXX XXXX knew the above information, full well, in XXXX and XXXX. Please note that XXXX XXXX XXXX never signed the contract ( or agreement ). It was left blank. I feel that Arbor should refund all of my {$25000.00} plus interest @ 9 %. 
fact that Abor never signed

Company response to consumer: Untimely response
Consumer complaint received 02/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AMERICAN EXPRESS COMPANY (CA).
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 closed the account with American Express and I paid the full balance. The amount was XXXX. They are reporting the account in all three credit bureaus as Charge-Off.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2015 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (NY).
Issue: Account opening, closing, or management

Complaint: In XXXX I called TD Banks customer service, and asked them to close my account. In the XXXX of XXXX, I went back to TD Bank. To reopen my account, to my surprise the account was never closed.And on top of that, they told me that I owed the bank {$61.00} and some cents. I was told that I could not have the account closed over the phone. But the customer service representative that I spoke to over the phone, did not tell me that. On Friday XXXX XXXX XXXX. I went into a TD Bank on XXXX XXXX, in XXXX. And i was still not helped.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/18/2016 about Debt collection (Medical) with Receivables Management Partners, LLC (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XXXX XXXX, 2012, I began services for a program by XXXX XXXX XXXX. During my initiation, I was told that the total cost of the program would only be a single deposit of {$100.00}. I made XXXX separate deposits of {$50.00}, which covered the entire care. The program ended on XXXX XXXX, 2012. Instead of my health insurance ( at that time ), covering the costs, I discovered about 6 months later, that the coverage on my end, was supposed to be {$100.00} PER DAY! I was not able to pursue a dispute, due to the fact that I was ( and still am ) XXXX XXXX, and had other things to tend to. Long story short, I am in debt now because of being given false information and miscommunication. I would like this to be resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with FAIR COLLECTIONS & OUTSOURCING, INC. (VA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Reporting wrong amount to credit bureaus and refusing to accept payment of proper amount. 

1. XXXX final account statement dated XXXX XXXX, 2015 shows a balance of {$600.00}. See attached. 
2. This final statement has a charge of {$85.00} for final utilities. I had already paid the final utilities. Proof of this is attached. 
3. This final statement has a charge of {$270.00} to " re-glaze '' a tub that was in the same condition upon move-in. It was an older apartment with an older tub that had slight discoloration and wear and tear upon move-in. This seemed normal given the age, so I did not see any need to mark this on my move-in checklist. 

This results in a balance of {$240.00}. I have tried since XXXX 2015 to resolve this, but " XXXX '' and " Fair Collections and Outsourcing '' will not correct the above errors and continue to report inaccurate amounts to the credit bureaus.

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 05/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I sent in a certified letter to Equifax on  XXXX   XXXX ,  2017 . It contained an ID Theft Affidavit, a police report, my ID, and all pertinent information. An investigation was done and   XXXX   and   XXXX   removed the fraudulent account. However, Equifax refuses to remove the account. They are destroying my credit life in clear violation of FCRA laws. They are to remove the information and block it. They have passed 30 days and they refuse to remove the fraudulent accounts in clear violation of FCRA laws

Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Account opening, closing, or management

Complaint: Bank of America is tracking my account information and/or expenses and " packaging '' it as financial planning tool. In reality, the firm is using the information as a UNDERWRITING tool and essentially scoring clients without the their expressed permission or without an application for credit. 
Data that includes information regarding of how and where clients spend their money should not be used unless clients are applying for credit and on a case by case basis. Additionally, how can clients be sure that this information is not being sold?! 
When I signed up for BOA Billpayer and to open an account, I never intended for my account information to be used to invade my privacy. I would like for each of my accounts to be viewed in silo going forward.

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 06/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: RE : Confirmation #  XXXX  I 'm complaining because Equifax have failed to comply with, furthermore wilfully ignored, my requests to provide me the documents that their company have on file that was used to verify the accounts that I wrote them to dispute. On  XXXX   XXXX ,  2017 , I sent them my dispute letter requesting that they verify all data for the disputed account and I 've yet to receive anything of the sort. Because its been well over 30 days and they are unable to verify the account, the Fair Credit Reporting A ct Section 611 ( 5 )  ( A ) explicitly states that they are required by federal law to " ... promptly delete all information which can not be verified. '' namely, the account I wrote to them to investigate and verify since  XXXX   XXXX ,  2017 .     I beseech you to resolve this matter with urgency as my character is being defamed by their wilful non-compliance. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2015 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: A company called me from this number XXXX XXXX XXXX XXXX, and told me that Orchard bank had discharge a debt XX/XX/XXXX and was not planning to take legal action, that I can offer a payment amount and see if they will accept it. I told them that I did not recall having a mastercard in default XXXX years ago. I told them that i will call my lawyer and get back with them in XXXX. XX/XX/XXXX. I felt like i was being presured into owning this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Navient Solutions, LLC. (IL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This debt is for a college that I never attended.

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 09/13/2017 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MI).
Issue: Closing on a mortgage

Complaint: XXXX : XXXX XXXX XXXX non-adverse, non-belligerent, non-combatant party, secured creditor with power of attorney general, and Executrix on behalf of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, is in possession of your recent voluntary submission of evidentiary documents. 
BANK OF AMERICA HOME LOANS, must herein provide a true and certified copy of the complete audit trail of said accounts. furthermore, in order for BANK OF AMERICA HOME LOANS to validate the debt, please provide verification through audit certification of debt entry in accordance with XXXX, XXXX, in accordance with XXXX XXXX accord and u.n.c.i.t.r.a.l. conventions. I would also need a copy of your Tax Registration certificate! 

Failure to substantiate the claim, please settle account immediately within the next XXXX days.

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 02/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: greetings, I have been trying for the past year to get these credit reporting companies to remove inquiries that are being reported on my credit file due to fraud and they still have not done anything about it at all. I am a XXXX percent XXXX veteran that was living out of the country and yet they was items reporting on my credit profile. I don't need a car and yet they are tons of inquiries about vehicle purchases, loans etc. I don't have the luxury like others to pay a repair company to fix my credit especially when it is not my fault. 
I know that they are doing a business and that they are hurting individuals badly, with that being said my credit score has suffered drastically because of the wrong report on my profile and now I can not even get a VA loan to help my family and put a roof over their head. 
They are still reporting accounts that have been closed and that was fraudulent for years, i need help on suiing them because that is the only way they will listen and do their job nd remove these items from my credit profile asap.

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 12-11-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with TRANSWORLD SYSTEMS INC (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I constantly keep getting collection notifications in the mail in referencing a debt that was satisfied prior to the collection documentation began. I have contacted the original debtors whom confirmed the debt was satisfied ( attached receipt ). However, I still receive collection and demand of payment letters from the original debtor and collection agency ( attached ).

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2016 about Consumer Loan (Vehicle loan) with JPMORGAN CHASE & CO. (OH).
Issue: Shopping for a loan or lease

Complaint: We applied for an auto loan online with XXXX XXXX XXXX. Received an email saying that they received our application and attached a copy to the email. We were unable to open the attached application. Moments later we received another email saying a decision had been made. We followed the link ... no decision was accessible. Called XXXX number and they referred us to the dealership to get the information. Called dealership.. they had problems opening the file also. Five days later called dealership and they said application was denied and that the trade-in information was not on the application. The dealership felt that that was probably the issue in the denial. Both XXXX XXXX and dealership wanted us to resubmit our application. We do not want to resubmit because that would put another inquiry on our credit reports. XXXX XXXX not only did XXXX inquiry but XXXX! XXXX by : CHASE AUTO XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX and XXXX by : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX We are very upset that they did XXXX inquiries on our credit report. They were not given permission to do so. We tried working with JPMorgan but kept getting transferred to different offices. We would like to get a copy of the application to see what they based their denial on. From what the dealership says the application they saw was incomplete. Please help.

Company response to consumer: Closed with explanation