milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-09-2017 about Debt collection (Medical) with HCFS Health Care Financial Services, Inc. (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have an unverified account from ARS ACCOUNT RESOLUTION. I had previously disputed this account. I have never done business with ARS ACCOUNT RESOLUTION. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that ARS ACCOUNT RESOLUTION provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that ARS ACCOUNT RESOLUTION Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

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 04/24/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (NJ).
Issue: Struggling to pay mortgage

Complaint: I had applied for a modification on my property and have received more than  XXXX  modifications in the pa st 7 + ye ars. I had applied 1 year ago and the process took the whole year to give an answer. In the meantime m y Condo Association has  filed to foreclose on my Condo for past due fees. In NJ there can go ahead of the First Mortgage. In  XXXX  of  XXXX  I filled a Chapter  XXXX  Bankruptcy. I was asked by my mortgage company to continue submitting documents to hopefully get another modification. Since filing for the Chapter  XXXX  bankruptcy there have asked for documents in many many different forms that were very strange. They wanted proof of income but in  XXXX   XXXX  they told me a  XXXX  was not proof of income. I was in the mortgage business 20 years ago and could not believe this was true. I did finally send an acceptable document and then they rejected my application but failed to send anything in writing to me or my attorney ( They have said many times they had sent documents. Never. ) I was told to apply again but The response which was also not sent was that that they could " not lower my payment by 20 % and therefore I was rejected  ''. ( This only took 2 weeks. ) I  spoke with my mortgage rep at the mortgage company and he was able to email me the letter. I then read my local newspaper  XXXX    XXXX   XXXX    XXXX  and saw that you are suin g Ocwen Loan Servicing a nd that is my mortgage company. I also have had a add-on of property insurance and it took, me 18 months of fighting and just  3  week ago they agreed I was right and credited the money back to my escrow account. I can not get a copy of my escrow to see if there are any other add-ons that need correcting. I do n't know what can be done but this company will not talk to me. or my attorney. I am a recovered  XXXX   XXXX   XXXX  patient. My health is doing very well. I have been able to increase my income and I was told that was the reason for the last modification denial. Now the reason has changed. I do n't understand there current reason and do not know what to do to save my home. My chapter  XXXX  may be able to work but Ocwen 's reason is the modification denial is making that impossible. When I read the newspaper article I thought I should contact you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NEW YORK STATE HIGHER EDUCATION SERVICES CORPORATION (HESC)— (NY).
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: ccording to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts Credit Bureaus post on a credit report. Otherwise, anyone paying for Credit Bureaus reporting services could fax, mail or email in a fraudulent account. 
I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) Credit Bureaus have on file of the XXXX XXXX  XXXX XXXX XXXX XXXX account .Ive Been trying to verify this account for XXXX months from XXXX XXXX XXXX XXXX and the Credit Bureaus failed to positively verify these accounts and has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NC).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I signed a promissory note stating I would get a loan reduction down to  XXXX  dollars a month. Every time I get a bill it 's higher and higher.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Credit bureaus are showing a bankruptcy on my credit report which was reported by US Bankruptcy Court. I contacted the court and received a letter that states the do not report to the bureaus. I also have a security freeze on my personal file with  XXXX , a private third party company, to prevent them from giving my information to anyone.     The credit bureaus have refused to remove this from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2016 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I was overcharged by original creditor. I contacted original creditor about the issue, original creditor corrected bill, and I paid the bill in full. Nearly two years later, I found that a collections agency has reported this debt to ALL XXXX credit reporting agencies. I have not received a bill from this collection agency, nor have I been contacted by them in any other way. In fact, I do n't even know where they got the {$120.00} figure from that they claim that I owe. It is not the original amount owed, nor was it the difference between the original bill and the corrected bill, and since I paid the corrected bill in full, it is DEFINITELY not an outstanding balance. I DO NOT OWE ANY MONEY TO THIS COMPANY, AND IT SHOULD NOT BE APPEARING ON ANY OF MY CREDIT REPORTS.

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 03/18/2017 about Credit reporting () with EQUIFAX, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: they put tax lien on my report and then removed it and then put it back on my report again

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/14/2015 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: XX/XX/XXXX I attempted to do a loan mod with Wells Fargo. At the time I could not afford the monthly payments but I was current. Wells Fargo would not return my calls so, at the advice from my attorney, I stopped making payments. They now returned my calls. During that time I filed Chapter XXXX bankruptcy and had my XXXX home loans discharged. I went through the loan mod trial payments process successfully but Wells Fargo rejected my loan mod saying the XXXX lender would not subordinate ( this took 2-1/2 years XXXX. I hired an attorney to try a second time to get the loan mod and, after a year and more trial payments, Wells Fargo provided a loan mod document subject to the XXXX lender subordinating. That lender still would n't subordinate but would agree to a payoff. I received the agreement from the XXXX lender, faxed it to Wells Fargo with the knowledge the lien would be removed within 3 days of receiving my payment. Wells rescinded the loan mod saying I took too long. Wells gave me 20 days to solve the problem but it took me about 45 days. I was at the mercy of the XXXX lender 's time table. I met Wells Fargo 's loan mod criteria ( trial payments - twice ), I have the ability to make the payments, I can satisfy Well 's requirement to remove the XXXX lien but they are insisting on foreclosing. In addition, I can qualify for a new loan ( refi ) but under bankruptcy rules I can not obtain a loan until a waiting period which expires XX/XX/XXXX. How do I save my home?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2017 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Under the Fair Debt Collection Practices Act, a debt collector CAN NOT : 1. Call before XXXX or after XXXX. or at any time or that they are given notice that it is inconvenient to call ( FDCPA 15 U.S.C. 1692c ) 2. Cause a telephone to ring an unreasonable amount of times ( FDCPA 15 U.S.C. 1692d ) 3. The FDCPA considers repeat calls as harassment. [ 15 USC 1692d ] 806 ( 5 ) 4. If you make a written request for the collector to cease communication, it can only contact you one more time, via mail to let you know one of the following : that further efforts to collect the debt are terminated, that certain actions may be taken by the collector, or that the collector is definitely going to take certain actions. [ 15 USC 1692c ] 805 ( c ) 5. Violation of Fair Credit Report Act by listing this disputed account XXXX on XXXX credit bureaus, causing more negative credit factors and lowered scores- Sending false information to the credit bureaus ( FDCPA 15 U.S.C. 1692e ) It is my contention and intention to prove that the defendant has violated the aforementioned consumer protection acts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/15/2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Loan modification,collection,foreclosure

Complaint: My wife and I borrowed to buy our home from XXXX XXXX XXXX XX/XX/XXXX. She passed away suddenly on XX/XX/XXXX. My mortgage had been purchased by Wells Fargo Home Mortgage several years prior. The people denied all help and even made reference to my XXXX marriage saying I could use my " XXXX '' as an excuse to blame their treatment of me after my wife of almost 20 years passed away. The person that make the insulting statement was XXXX XXXX. He spelled it for me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2016 about Bank account or service (Checking account) with ALLY FINANCIAL INC. (AZ).
Issue: Deposits and withdrawals

Complaint: I was using Ally Bank Bill pay service to pay the monthly rent for my apartment. 
For the month of XXXX, XXXX and XXXX the rent has been paid using the Bill Pay. My account shows that money has been check has been delivered to the landlord and money debitted from my account. But my landlord is not accepting that money has been received. Finally I was put onto the eviction and I was told that I need to pay the month of XXXX 2016 rent with late fees? What 's going on? Who is right - Bank or this landlord. Today in the court this landlord said via his attorney that check has been sent to me via certified mail which I am yet to receive ... for more than 30+ days - i am showing the money has been debitted. I was out of country for almost 6.5 weeks so could n't follow with Ally Bank but they are saying follow up with the landlord. But the landlord is not willing to even talk - one needs to talk to the attorney. I end up paying late payment and unfortunately the original check money is also gone from my account. If money is debited from my account and check has been delivered but landlord is saying that they do n't have the money then where is the money?

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 05-04-2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (MD).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: On   X/X/ 2017 I  want to continue to move forward with clearing up my debt.      Midland Debt collection Agency, has no t provided me with adequate information regarding this debt but I presumed it could be true being that  My  then company was financially damage from the government fourloughs which trickled down to many of their employees including myself and lasted a long while.     After being transferred I reach a desk of a man who proclaims he is my account manager, and that this debt is mine, even after me requesting that he send information regarding this allegation for this particular account, he refused. Then began to use tactics to force me to pay right on that day a lump sum of around {$830.00} or high payment plan option. After attempting to negotiate I asked him to note the account and I wanted to speak to someone else, he would not allow me to. He proceeded to threaten me with this  First  before any of that happened, okay you were transferred and it shows here this amount for this debt and you 're in pre legal status and that even if I agreed to payments that The creditor may still sue me and I would have to pay all the court fees for a debt that 's only worth {$1000.00}. I did some rights digging and requesting a free annual credit report.     I am sending a letter to Midland requesting validation and of options, by   XXXX  2017.     I feel bullied, Pressured and optionless. The verbally abusive representative name is  XXXX   XXXX , so he says and the lady who transferred me to him name is  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 05/13/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with National Commercial Services, Inc (AL).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Calling about an auto accident and claiming to have documentation that can affect my driving privileges. Will not leave his last name and states that he is with an insurance company but the number belongs to a collections company.

Company response to consumer: Closed
Consumer complaint received 07-01-2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I have my credit report access blocked by experian for seven years. The company has denied access to my credit profile to credit inquiries over the last seven years. when i have submitted information requested by experian to resolve this matter i have had a catch XXXX response. experian denies that access to my credit file is blocked and when i applied for credit the reply received from XXXX is that Experian has blocked access. 

This rigamarole has continued for 7 years and Experian has been consistent on XXXX XXXXl that they have blocked access. 

I have started paying protection money to Experian in the hope that my problem will be addressed if I make ransom payments. Unfortunately even this effort failed because Experian still continues to deny access and block anyone seeking to access to my personal records. 

Without debating the extortion practises of Experian is there anyway assistance can be provided to help resolve this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2015 about Mortgage (Conventional fixed mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: MY MORTGAGE WAS SOLD FROM XXXX XXXX XXXX TO CARRINGTON MORTGAGE AND SINCE XXXX 2015 THEY HAVE SENT ME CERTIFIED LETTERS THREATENING TO FORECLOSE ON MY HOUSE BECAUSE THEY SAID I MISSED A PAYMENT WITH XXXX XXXX XXXX WHEN I HAVE PROOF FROM XXXX XXXX XXXX THAT I NEVER MISSED XXXX PAYMENT WITH THEM AND I ALSO HAVE PROOF THAT I HAVE NOT MISSED A PAYMENT WITH CARRINGTON EITHER. I HAVE CALLED SEVERAL TIMES AND EACH PERSON I SPEAK TO TELLS ME SOMETHING DIFFERENT. I ASKED TO SPEAK TO THE SUPERVISOR AND THEY ALWAYS SAY HE IS NOT IN AND THEY PUT ME THROUGH TO HIS VOICEMAIL AND HE NEVER RETURNS MY CALLS. THIS COMPANY IS VERY SHADY AND UNHELPFUL AND I DO N'T KNOW WHAT ELSE TO DO TO FIX THIS. I REALLY NEED HELP TO MAKE THIS RIGHT.

Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2016 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have submitted the following accounts as fraud to experian as well as to the agencies. I have attached the ftc id theft report that was previously filed. Even with this, the accounts and credit inquiries remain on my account. These are not my accounts, i have not done business with these companies and the accounts are fraud. 

Accounts : XXXX ( I am working with the fraud department, but they have been unable to send me anything that would validate this being anything other than fraud ) XXXX ( XXXX.asked multiple times for validation. have cretified letters and signatures. nothing supplied ) XXXX ( XXXX. has sent a bill with a phone number that is not mine. sent mltiple letters certified with signatures, also filed on this site complaints ) XXXX ( Sent multiple requests to try to get validation. no letters responding from them. they tried to sell to collection agency, but the agency has removed collections based on the fraud ) and for inquiries : XXXX I have sent a letter to them informing them of fraud. they have not responded. this is not my account, do not have an account with them.

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 07-12-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (OH).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: 1. On XX/XX/XXXX, I sent a certified letter to CHASE CARD, XXXX XXXX XXXX, XXXX, DE XXXX, disputing adverse information on my credit reports ( XXXX, XXXX, and XXXX ) that I was 30 days late in XX/XX/XXXX and 60 days late in XX/XX/XXXX. 2. CHASE CARD signed for and received the certified letter on XX/XX/XXXX. 3. Under the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ), CHASE CARD was required by law to place a " notice of dispute '' comment on my account with all of the credit reporting agencies they report to within 30 days of receiving my dispute ( in this case by XX/XX/XXXX ). 4. On XX/XX/XXXX, well after the required 30 days, I pulled new credit reports from all 3 credit reporting agencies ( XXXX - Report Number : XXXX, XXXX - Order Confirmation : XXXX, Report Confirmation : XXXX, and XXXX - File Number : XXXX ), and noticed that CHASE CARD had never placed the notice of dispute comment on my account with the credit reporting agencies, as required by law. Therefore, by law, they are required to remove the adversely reported information that was in dispute. 5. On XX/XX/XXXX, I sent a new certified letter to CHASE CARD, XXXX XXXX XXXX, XXXX, DE XXXX, notifying them of their violation of the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ), and instructed them to remove the adverse information on my credit reports ( XXXX, XXXX, and XXXX ) that I was 30 days late in XX/XX/XXXX and 60 days late inXX/XX/XXXX, as required by law. 6. CHASE CARD signed for and received the certified letter on XX/XX/XXXX. 7. On XX/XX/XXXX, CHASE CARD responded to me and stated they " can not delete the information from my credit report because it is correct ''. 8. Whether the information is correct or not is irrelevant at this point. Since they did not mark my account as in dispute on my credit reports within the 30 days as required by law, they must delete the adverse information. 9. To date, CHASE CARD has not deleted the adverse information on my credit reports as required by law for failing to mark my account on my credit reports as being in dispute within 30 days of my notice of dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2015 about Credit reporting () with EQUIFAX, INC. (NM).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I recently went to a HUD approved home purchasing counselor and had a detailed credit report pulled, there were approx. XXXX negative marks on my credit report from a company named XXXX. There were no account numbers associated with this collection agency or any contact information for them. I Googled the name and I found a XXXX number. I also found multiple lawsuits against this company for illegitimate practices as well as negative rating from the XXXX. I tried to call to find information on what accounts their negative marks were regarding and after having to repeat my ssn multiple times and being told I was not who I said I was since I could not verify the address they had in their files, I was then hung up on by a supposed supervisor. These " outstanding '' accounts are from what I was told medical bills, however, I have never received a single medical bill or collection notice and my address has been the same since 2001. I have had the same doctor since I was XXXX years old, I am now XXXX and have yet to receive a phone call or bill for any services. I have never been notified of any outstanding balaces from my physicians office and should not have any outstanding balances of any kind. These alleged accounts that I can not find any information for are drastically affecting my credit score and need them removed as soon as possible.

Company response to consumer: Closed with explanation