milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-07-2016 about Debt collection (Medical) with Medical Data Systems, Inc. (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I sent a letter to Medical Data Systems requesting debt validation and they sent me a notice from the original creditor that clearly reflects it is not a bill. I have disputed with the credit bureau and receive the blanket response that the item is valid and remains on my credit report. The notice from Medical Data Systems reflects as follows : This is not a bill. This is an itemization of your services for : it reflects hospital charges and insurance adjustments that do NOT equate to the dollar amount Medical Data Systems is trying to collect an amount that is clearly not owed.

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. (CO).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: My college loans have been duplicated on my credit report, all three major reporting agencies have the same wrong data. I have spent over 20 hours on the phone with XXXX XXXX XXXX in the past two weeks. The lack of customer service is simply appalling. I have talked with 5 different supervisors. All state the error is on XXXX end. My balance to the loans is currently XXXX. In XX/XX/XXXX XXXX is stating they issued new identification numbers to their loans for ease of access to the consumer. With whatever changes they made they are now showing my total balance due on credit agencies to XXXX. XXXX. When contacting discover they first blamed XXXX for duplicating the information to all three reporting agencies. I had an open dispute with all three agencies, to which a representative from each agency stated to have discover contact them directly with the loan balance. 
Here comes my frustration. 3 separate Supervisors, XXXX, XXXX, and XXXX all stated it is not in their prerogative to initiate a contact with the agencies including my open dispute case number. This would be as simple to send the updated information to the agencies, but from what I can tell they are too busy covering their tracks rather than owning up to the discrepancy. They have stated they have sent the information to all three agencies, but to date all agencies state they have not received anything from discover. 
I call XXXX to talk to someone above a supervisor and they said that would be redundant. Redundant to fix a clerical issue of almost 100k?! I am in the process of procuring a mortgage, this incorrect information has dropped my credit 100 points. XXXX has sent myself updated loan information that is correct, and states they have contacted the credit agencies but offer no proof of such contact. I am in desperate need of assistance and am contacting you folks before I contact an attorney to see what rights I have as a consumer to take action against XXXX. I understand accidents happen but I am appalled that with a company who purchased my loans from XXXX, I am stuck doing business with what feels like a criminal organization. Please advise of steps I may take.

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 06-01-2016 about Debt collection (Payday loan) with United Check Recovery, LLC (MO).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: I was never given the mini Miranda I was told they where calling from the federal bureau of investors for the us government for check fraud. they would never id they are a collection agency I was told they would garnish my check refused validation & I do have all my calls recorded I also have voicemails left.

Company response to consumer: Untimely response
Consumer complaint received 11-11-2017 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: On or around XXXX XXXX, 2017, I sent a letter asking TransUnion to remove several inquiries because I did not recall authorizing them. They sent a letter back denying my request.

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 10/17/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (MD).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have sent a letter to Convergent Outsourcing because I want to settle my outstanding debt. However, I have not heard from them. I would like to settle for at least half of the balance outstanding and have the collection remove from my credit report. Please assist me. I am trying to do the right thing.

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2016 about Debt collection (Medical) with PlusFour, Inc (NV).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Collector XXXX did not preform any due dalliance. Did not verify that the debt was mine before contact. Creditor ( Desert XXXX XXXX XXXX did not communicate with the my medical provider XXXX XXXX XXXX NV XXXX who requested in house the x-ray for a covered wellness visit. Under my XXXX XXXX thru XXXX this is a covered procedure as a senior citizen. Neither XXXX XXXX or XXXX Partners billing offices communicated between each other.. Neither asked for or passed along my basic insurance information. Neither would talk to the other. I never received a bill or statement. XXXX told me they did n't have to produce a bill. 
Desert Radiology went straight to collections they never contacted the XXXX XXXX EVEN THOUGH THEY ARE THE SAME OFFICE. 
I reiterate this is a totally covered procedure by Humana.

Company response to consumer: Closed
Consumer complaint received 07/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Under CFPB case  XXXX , Synchrony Bank informed me that they would initiate an identity theft fraud investigation and informed me of the results after 60 days. The 60 days has passed, and I have yet to receive the findings of the investigation. I have provided Synchrony Bank a copy of a police report filed with the   XXXX   Texas police department and a identity theft report from the Federal Trade Commission. Synchrony Bank informed me of the fraud investigation on  XXXX   XXXX , 2017. I provide them the police report and identity theft report via certified mail (  XXXX  ) which was received by Synchrony Bank on  XXXX   XXXX , 2017.

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 01-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MO).
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 had a total of ( 3 ) three student loans. According to my credit reports they are showing ( 6 ) six student loans, which makes it look as if I owe way more than I do and also shows late payments with all of them. All ( 6 ) six of them are showing different data with each credit bureau. I have disputed the loans for incomplete/inaccurate data. The credit bureaus just keep coming back as updated information. Nothing changing, Still showing ( 6 ) six student loan accounts when there were only ( 3 ) three. There are three ( 3 ) listed with Dept of Ed/Nelnet and, three ( 3 ) listed with US Department of Education. The two different named sets of companys are both reporting the same three ( 3 ) accounts.

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 03/13/2017 about Debt collection (I do not know) with Alliance Data Card Services (AZ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This is a complaint from XXXX ( consumer ) against XXXX ( creditor ). XXXX Bank has unfairly and deceptively misrepresented its mailing address, making it difficult for consumers to contact it and resolve disputed debts. 

As of XX/XX/2017, XXXX is reporting an open collection account on Consumer 's XXXX credit report [ see exhibit A ]. Consumer does not recognize this debt, so on XX/XX/2017, consumer ( through legal counsel ) sent a written request for documentation to the contact address provided by XXXX in the credit report which requested documentation regarding the original debt [ see exhibit B ]. 
On XX/XX/2017, the letter was returned to sender and marked as " Not Deliverable as Addressed. '' [ See Exhibit C ] This letter was sent to the address listed as the creditor 's contact information on page 38 of consumer 's credit report. Despite a records and internet search no other mailing address, phone number, fax number or email address could be found. Without a valid mailing address, XXXX can not obtain information regarding the debt and therefore can not make an informed decision about it. 

XXXX is a sophisticated party in the consumer debt industry and is aware of the need to be available for consumer inquiries. Knowing this, XXXX has made it virtually impossible for a consumer to initiate communication with it. I can only surmise that XXXX 's isolation and obscurity is intentional and for the purpose of unfairly frustrating, deceiving and abusing consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XXXX keeps adding balances and subtracting balances from my accounts. This is adversely affecting my credit score! I am in the middle of financing and their frequent updates are extremely detrimental to this process. First and foremost, I have been in student status and military deferment since XX/XX/XXXX, not to mention they did not have my correct contact information and I was not notified that I was out of forbearance. I respectively ask that the late payment statuses XX/XX/XXXX -XX/XX/XXXX be REMOVED and set to CURRENT. As soon as I spoke with a rep at XXXX my loans were put back in Military deferment/Student Status. Also, I am requesting that all loans older than 7 years be removed/deleted off my credit report at once in order to comply with the FCC, as that is more than the SOL for my state I need this done ASAP, as XXXX is doing illegal collecting and reporting porting practices to all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2017 about Credit card () with CITIBANK, N.A. (IL).
Issue: Rewards

Complaint: I have a " Costco Anywhere Visa Card by Citi ''. The card is advertised as being " cash back ''. However, the they do not provide " cash ''. Apparently they send a Costco voucher per their customer service department. I say apparently as they only send this voucher one time per year, in arrears, of course. This Costco voucher can only be redeemed at Costco while cash can obviously be used in many other ways.

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 01/14/2018 about Debt collection (Medical debt) with Herbert P. Sears Co., Inc. (MA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I recently noticed that I had a derogatory mark on my credit and had no idea why. If you look at my history, it 's pretty much perfect and my credit score is very high, with the exception of this derogatory mark bringing it down. 

After research, I see that I have a bill owed to a company called HP Sears, which I 've never heard of. They have never contacted me, then have never talked to me, and as far as I have been aware, I did n't owe them any money at all. 

However, I do believe I know why they are coming up in my report : A few years ago, I went into a walk-in clinic named XXXX XXXX XXXX with some XXXX XXXX and when I walked in, they assured me that they accepted my insurance and that a consultation would only cost me my co-pay. 

7 months later, they sent me a multi-hundred dollar bill claiming that my insurance did n't cover the consultation and the medicine that was administered. This is after they told me that it did. If I had known that XXXX XXXXXXXX was n't covered by my insurance, I obviously would have left and found a place that was covered by my insurance. 

When I spoke with XXXX XXXX from XXXX XXXX XXXX on the phone about this he was hostile, and called me a liar - saying that his staff never told me I had coverage. This is not true. I maintained that I did n't agree that I should be charged for the visit, and he was so unprofessional that I hung up, and never heard from him again. There was never another letter, phone call, email, from him or any collection agency at all. So, I assumed he had realized that they had made a mistake and removed the bill from my account. 

But it looks like maybe not, because now, years later after researching my credit reports I see that there is a collection agency that now has this bill, and on top of it all they have *never* contacted me. 

I have n't done anything to deserve a derogatory mark on my credit and I want it to be removed.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2017 about Debt collection (I do not know) with AAS Debt Recovery Inc. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I sent a letter stating that I wanted to validate the debt they then turned around and stated it was a payment agreement in no way was it an agreement and payment plan like they stated. I asked for information to let me know what the debt is to give me time o validate. At this point they are making false statements. I do. It have a contract with any third party billing as well. Not one. Taking my documents to ask for validation is not a legal or even ethical statement or payment plan. At this point I will be contacting a lawyer. They are intentionally misrepresenting and making false statements.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with NCC Business Services, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I checked my credit report and NCC Business Services was on it. I have never done business with this company. They never sent a notice of right to dispute. I sent them a certified letter advising them that they never sent a dispute letter. My 1st letter is dated XX/XX/2016. They sent the dispute letter dated XX/XX/2016, after I told them they never sent a dispute letter. I then sent another letter dated XX/XX/2016 in response to their XX/XX/2016 letter. Please see the attached documents. 
PLEASE HELP I AM A XXXX THIS IS XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CT).
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 disputed a derogatory item placed on my credit report in error by  XXXX ,  XXXX  and Experian --  XXXX  and   XXXX   fixed the error by removing the item from my credit report -- EXPERIAN DID NOT. Experian refuded to remove the item and said so after their " investigation '' was complete.   XXXX    XXXX   (  a collection company ) is complicit in this. On  XXXX  -2017 I resubmitte d my dispute with EXPERIAN and warned both   XXXX   XXXX   and Experian of pending legal action I intend to take if this situation is not resolved IMMEDIATELY. The derogatory item was for an unpaid dentist bill ( {$900.00} ) which IS PAID and the account ( my husband  XXXX  's ) is IN GOOD STANDING with  XXXX   XXXX  ( merchant ). This item should NEVER have appeared on my credit report in the first place -- and since the item is PAID, this item DOES NOT BELONG IN COLLECTIONS.      XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CT  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 11/28/2017 about Mortgage (Other type of mortgage) with Servis One, Inc. (NC).
Issue: Struggling to pay mortgage

Complaint: XXXX XXXX XXXX underwriting has canceled my request for a loan modification. Stating I did not send a requested document. They are asking for a recent benefits letter from the VA for my XXXX-year-old mother with XXXX whom I care for. She has not been approved for Aid and Attendance " yet '', and we are still waiting for VA 's approvals. I can not give XXXX something I do not have. This is future income and benefits, and I have stated such. A letter from XXXX on XXXX XXXX, 2017 states : " Your application remains incomplete and have canceled your request for an evaluation of your loss mitigation application. '' Next, I have waited for years for XXXX to modify my loan and they have denied my request. At the last minute as my home goes into foreclosure XXXX said, they will send me a packet for loss mitigation. As my amount due goes into overdrive to where it is impossible to pay as they make MORE money on my hardship. 

I need help!

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2015 about Consumer Loan (Installment loan) with SYNCHRONY FINANCIAL (FL).
Issue: Shopping for a loan or lease

Complaint: XXXX repo my boat and never gave me a change to get it back. The sold the note and recoveries to XXXX XXXX. A year after they sold the rights to the vessel they came back on me a put a Final Judgment in the state of XXXX after selling their rights to collect on the note. They also sold the vessel in XXXX not to comply with XXXX Statues. XXXX came back after to put another Judgment on me for the same note.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Sent dispute of account to the credit bureau. They claim they investigated and it was verified even after I had received communication from XXXX that they were ceasing collection and would notify the bureaus to remove the account ( s ). I faxed the CB a request to remove with a copy of the letter from XXXX. The account ( s ) are still showing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2015 about Consumer Loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (TX).
Issue: Managing the loan or lease

Complaint: I made a {$1500.00} payment in XXXX of 2015 to One Main Financial, which brought my loan balance down to {$6900.00} and should have paid my loan up for 5 months. I subsequently made a payment of {$270.00} in XXXX, which brought my balance down to {$6800.00}. I also made a {$270.00} payment in XXXX and XXXX but neither of those payments was applied to my balance. On XXXX XXXX, when I noticed the balance had not changed on my statements since XXXX, I contacted One Mail Financial. The manager, XXXX, stated that the accumulated interest is the reason my payments were not applied to my balance. 

I asked him how that could be when the {$1500.00} payment I made in XXXX should 've have covered my payments for at least 5 months. He could not give me an explanation other than saying the interest still accrued, even though my monthly payment is {$260.00}, and I paid {$1500.00} to cover my next XXXX payments.

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Deposits and withdrawals

Complaint: Bank of america closed my account about a month ago because of XXXX returned check i had tried to place a stop order on. This was the first and only time this had ever happened. This was bad enough but, what really has me upset is that they owe the money in my account. I awaiting on a XXXX check they say is coming but never does. BOA 's risk or fraud dept. is horrible I have read so many bad reviews online.I need my money to pay rent, to buy food, etc. They do not care. Can you help me?

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 11/30/2016 about Mortgage (Conventional fixed mortgage) with Shellpoint Partners, LLC (WA).
Issue: Loan modification,collection,foreclosure

Complaint: Shellpoint has lied to me and to the CFPB for years now stating that they have approval from the investor of this loan to review me for an assumption and modification because I am not an original signor on the note but was awarded the property in my divorce decree and a XXXX, which makes me the successor in interest. Now, they have dual tracked for about the 100th time and even though I have a letter from them stating otherwise, there is a foreclosure sale date on my house. Shellpoint has been unfair, deceptive and abusive through every step of this process that has dragged on for YEARS!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2017 about Debt collection (Medical debt) with Capio Partners, LLC (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They say i owe a debt but I do n't have a contract with this company. When i ask them if they have a bond in texas they hang up. They are in violation with the Hippa law.

Company response to consumer: Closed with non-monetary relief