milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/21/2018 about Debt collection (Medical debt) with HCFS Health Care Financial Services, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX collection account added to credit report XX/XX/XXXX balance : XXXX $ XXXX collection accounts added to credit report XX/XX/XXXX balance : XXXX $ XXXX XXXX account added to credit report XX/XX/XXXX balance : XXXX $ I Disputed These accounts XX/XX/XXXX with the creditors and they responded stating that the debt was valid but offered no proof of ownership to me and refused to remove it from my credit files.

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 05/17/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with NAVY FEDERAL CREDIT UNION (GA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: ON   XXXX   XXXX   XXXX    , I OPENED AN ACCOUNT WITH  NAVY FCU   WHILE I WAS IN   XXXX   XXXX   XXXX   (  XXXX  ) AT VIRGINIA.     I RECEIVED THE CARD AND USED THE CARD AND PROBABLY CHARGED NO MORE THAN {$300.00}. EVERY  TWO WE EKS I GOT PAID AND I SUBMITTED PAYMENTS ONLINE AND EVENTUALLY PAID THIS BALANCE.     WHILE AT  XXXX , MY DAD RECEIVED A LETTER ADDRESSED TO ME. THE LETTER EXPLAINED THAT I WAS NEAR MY CREDIT LIMIT. I WAS CONFUSED BECAUSE I HAD NOT MADE ANY CHARGES. WHEN I CALLE D NAVY FEDERAL I WAS  TOLD I WAS LIABLE FOR THE CHARGES BECAUSE I COULD NOT PROVE THAT THE CHARGES WERE FRAUDULENT.     THE BALANCE REFLECTS CASH WITHDRAWALS, FOREIGN TRANSACTIONS, NONE OF WHICH I MADE.     CURRENTLY THE BALANCE IS {$7000.00}. THE AMOUNT WAS HIGHER AS I RECENTLY MADE A PAYMENT. AFTER TALKING TO A LEGAL ASSISTANCE ATTORNEY AND MY LEADERSHIP, I STOPPED MAKING PAYMENTS BECAUSE THE DEBT IS NOT MINE AS I DID NOT AUTHORIZED THOSE CHARGES. I PAID BECAUSE I WAS AFRAID OF WAGE GARNISHMENTS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2015 about Payday loan () with Advance America, Cash Advance Centers, Inc. (TX).
Issue: Payment to acct not credited

Complaint: Advance America Cash Advance ; XXXX XXXX XXXX XXXX TX XXXX, ( XXXX ) XXXX or FAX ( XXXX ) XXXX, Rep : XX/XX/XXXX - Cash Advance was $ XXXXOption to pay {$250.00} in full or {$100.00} per month and up XX/XX/XXXX with balance owing {$360.00}. The complaint that stands out with issues : XX/XX/XXXX - paid {$100.00} on the loan but it only went toward the principle of {$1.00} interest but no decrease in the principle balance with a new total amount owing {$250.00} on the account. Only " Installment Payments, '' as interest or added on per month. This procedure have been changed within several months XX/XX/XXXX. What disturbs this situation of payment, is being feeling duped and owing more then the amount loaned by paying {$100.00} per month and the balance never changes for consumers. Is this procedure illegal in adding interest on each payment and not the balance?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AZ).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XX/XX/XXXX I was in email contact with XXXX XXXX at XXXX XXXX XXXX   (XXXX & XXXX) in regard to financing a used vehicle through that dealership.  After discussing financing options, I informed XXXX  by email on XX/XX/XXXX that we decided against purchasing through XXXX XXXX XXXX XXXX. In XX/XX/XXXX, after receiving multiple credit denials from multiple finance companies for both my husband & I that we did not authorize, I check our credit reports, and learned that on XX/XX/XXXX multiple inquiries were made to our credit report on behalf of XXXX XXXX XXXX XXXX.  My husband contacted XXXX XXXX XXXX finance dept & informed them of these unauthorized inquiries & he was told (did not get persons name) that they would take care of it. On XX/XX/XXXX, we received yet another credit denial letter for both my husband & I.  This time it was from XXXX XXXX on behalf of XXXX XXXX XXXX.  So I again, checked our credit reports to find another unauthorized credit inquiry on XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2017 about Debt collection (I do not know) with Account Control Technology, Inc. (IL).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: Today, the president of my company held a conference with me, payroll and  human resources  regarding the attached document from Account  Control Technology , Inc. regarding my employment status. I dont know who this company is or why they are trying to v erify my employment. What disturbed the president of my company is was the fact that it states via fax " ATTN ; PAYROLL / GARNISHMENT DEPT ''. From what I know, I dont owe this company any money and if I do, I was notified properly. I had to leave work today due to   XXXX   XXXX   and visit my doctor ( i have proof of this ). I needed meds to calm down because I was having a  XXXX   XXXX  - something that has n't happened to me in over  XXXX  years. Because of this unannounced meeting with my company president, payroll and  human resources,  I had to leave work. This is not fair to me as a consumer because I dont know who this company is and why they are inquiring about my employment status without my written consent and the wording " GARNISHMENT DEPARTMENT '' in their correspondence with my employer. Had I known about a potential debt owed, I would have challenged it pursuant to the FDCPA and requested they send me information regarding the validation of the debt, the original creditor, how they came to the amount they 're seeking, licensed to collect in my state, etc ... none of this was done. They 've hinted to my employer, without validation that I owe money because they attention their unwarranted job verification letter to " PAYROLL/GARNISHMENT ''. The fact that they 've used "  GARNISHMENT DEPT '' suggests dissemination of personal financial issues without validation. I 've submitted a complaint with the   XXXX    Attorney General, Attorney  General of  XXXX  and with your office. I will continue to prosecute this matter until a fair decision is made. My attorney has all of the complaints I 've submitted to your office and to the  AG 's office and we 're waiting for a response. Based on the outcome of this and ot  her complaints submitted, I 'm ready to file a civil and criminal suit against Account Control Technology , Inc. for deceptive business practices and libel.

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 11-02-2015 about Bank account or service (Savings account) with SCOTTRADE BANK (CA).
Issue: Account opening, closing, or management

Complaint: Scottrade Bank Manager XXXX XXXX XXXX instructed me to provide me personal information in a manner that is insecure ( via unencrypted email ). Roughly 10 days after providing the information as XXXX XXXX 's request, my account was hacked. Scottrade refused to make my account whole and said I was responsible for the hack. 

To warn other consumers, do not trust this company. At the current time Scottrade will not even address my concerns. 

Attached is the correspondence between myself and XXXX XXXX.

Company response to consumer: Closed
Consumer complaint received 08/22/2016 about Mortgage (Conventional fixed mortgage) with Statebridge Company (GA).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage was transferred from XXXX XXXX XXXX to Statebridge Financials LLC on XXXX/XXXX/2016. My credit score dropped XXXX points due to the transfer, which I hoped would recover after Statebridge reports my on-time payments. On-time payments in the full amount with some payments with additional escrow have been made for XXXX 2016, XXXX 2016, XXXX 2016, XXXX 2016, XXXX 2016 and XXXX 2016. None of these on-time payments have been reported by Statebridge to the credit agencies and therefore my score is well below any fair assessment and access to fair credit. By not reporting these on-time payments, Statebridge locks me into high percentage loans which otherwise could be refinanced.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2015 about Credit reporting () with Experian Information Solutions Inc. (SC).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I accessed my credit report and saw that there were at least XXXX social security numbers that I did not recognize associated with my name. In trying to rectify the problem, I am asked to pay for services to access my credit report again. There is erroneous information on my credit report which does not belong to me and it is hurting my credit score.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/26/2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Loan modification,collection,foreclosure

Complaint: My mortgage has gone into foreclosure due to a separation/divorce. At the time my husband left I was only working part time and could not afford the payments. I have since obtained full time employment. He has walked away from the loan. He has no contact with the bank and does n't care if the house forecloses. I have tried everything I can to work something out with Bank of America. I call them weekly, applied for a modification, and even saved the past due amount to reinstate the loan. To my dismay, they pushed forward with a foreclosure and filed judgement against me in local court. The are requesting additional information from my husband, which he would not provide because he does not want the loan anymore. I offered to pay the bank to reinstate the loan. They sent me reinstatement figures. There were XXXX of dollars in fees attached in addition to the past due amount of the loan. I asked for a detailed listing of the fees. They would not provide them to me. I was told by my Bank of America Customer Relations Manager to contact the attorney handling the foreclosure to obtain a breakdown of their fees. When I contacted the attorney, XXXX XXXX XXXX of XXXX of XXXX, PA, The amount to reinstate was completely different and a lot less than the bank was telling me. The woman at the attorney office told me I could send payment to them directly and the loan would be reinstated. I contacted the bank again, they denied this was an option. The told me to forward payment to them. I asked the amount needed to reinstate. I was given another estimate. Completely different again. It had gone down from the first quote, but was still higher than the attorney. They told me this was due to " estimated '' charges. I asked for a breakdown of these charges. They can not provide that to me. They told me to pay the amount by XXXX XXXX or they are filing for a Sheriff Sale date in my county. I have told them again and again I do not have the {$13000.00} or the {$11000.00} needed to reinstate that they want. I can pay the past due amount, the {$9700.00} for my back payments and have asked to make other arrangements to pay back the " fees ''. They refuse to accept the payment. They want the full amount they keep telling me. I asked why foreclosure went through when I was trying to get a modification. They could not answer me. Bank of America was requesting additional documents they told me. Every time I call I get a different person with a different answer. Bank of America is telling me it 's the lender, FHA, that 's requiring the full amount to reinstate, yet the amount changes every time I call. It 's like they want to foreclose on the loan and are not willing to help me save it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/21/2017 about Debt collection (I do not know) with TENET HEALTHCARE CORPORATION (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Syndicated Office Systems is violating Federal Law, the F.C.R.A. by attempting to extort monies/payment from me ( XXXX ). I have NEVER signed ANY agreement, or documentation with them, and do n't know who their organization is! 
Furthermore, in claiming this erroneous suppose debt they have violated Federal Law ( F.C.R.A. ) bt NOT providing the original document signed with them ( Syndicated Office Systems ) that they are claiming is attributed to the debt, nor even any amount of the debt to include interest, and fees associated with this attempted extortion. 
Until the above mentioned is provided this erroneous collection extortion attempt needs to be IMMEDIATELY removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2016 about Mortgage (Other mortgage) with FLAGSTAR BANK, FSB (FL).
Issue: Application, originator, mortgage broker

Complaint: RE-OCCURING ISSUE Case number : XXXX The lender has not addressed the issue. The question is, is it legal to force mortgage underwriters to apply disparate treatment while underwriting loans? If the company feels that this is not the correct forum to address this then maybe the Department of Justice would be a better agency.

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
Consumer complaint received 05/19/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (DC).
Issue: Billing disputes

Complaint: well, I got a credit card from Bank Of America with the balance of {$2000.00} and have paying for the last 18 Months and it shows only a balance of {$1900.00} and the credit card Computation seems very unrealistic and scum!! and also the company reported me late for more than 30 days in XXXX XXXX and XXXX XXXX which in XXXX case I did not get the statements on time, and as a result damaged my credit report making harder to refinance my Home Mortgage, I paid approximately XXXX - {$1400.00} which makes it mathematically impossible for the balance the showed to be accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2015 about Bank account or service (Other bank product/service) with NETSPEND CORPORATION (WI).
Issue: Using a debit or ATM card

Complaint: I bought a prepaid XXXX card from XXXX. The card is from NETSPEND Corp in XXXX, TX. I put {$500.00} on the card and forgot about fees. I tried to make a purchase for {$500.00} XXXX XXXX, 2015 and the card was declined to the Merchant ( XXXX XXXX in California ) so they cancelled the order. NetSpend has put a hold on the {$500.00} and wont release it to me despite numerous calls to them. I had to use a different card to purchase the product. Netspend says I have to have the merchand send them something stating the order was cancelled. The merchant says " When I cancelled that order it went into cyber space .... '' how do I get NetSpend to release the money??

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2018 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (IL).
Issue: Struggling to pay mortgage

Complaint: My name is XXXX XXXX, I have a property with Wells Fargo that I purchased with my I.T.I.N number and currently have a short sale offer for. In the past I applied many times for a loan modification but Wells Fargo never granted a modification ; Wells Fargo stated I was not eligible due to social security not matching, so continued to foreclose against me. How is it Wells Fargo allows me to purchase the property but will not allow me a work out option due to my I.T.I.N not matching? 
I decided to list my property for a short sale instead of having to go through a foreclosure. Once a submitted an offer, Wells Fargo suspended foreclosure against me on XX/XX/XXXX. In the final stages of the short sale review, XX/XX/XXXX, I was informed that the short sale buyer needed to submit bank statements to Wells Fargo by Sunday XX/XX/XXXX and Tuesday, XX/XX/XXXX, XXXX XXXX. I contacted him and he was out of town the rest of that weekend until XX/XX/XXXX. Then I contacted Wells Fargo, per XXXX ID # XXXX, I asked him if they would give us more time since the realtors office was closed ; he said to fax them in soon as possible. 
On XX/XX/XXXX the bank statements were faxed. The next day I called Wells Fargo to follow up and they told me the file was closed. When I asked why they said because they received the bank statements on XX/XX/XXXX instead of due date XX/XX/XXXX, XXXX XXXX. 
I pleaded with them and they still refused to continue the review for short sale. Shortly after my home was sold the same day I filed bankruptcy CH XXXX. 
For several months I worked on getting my home back from Wells Fargo, until finally I was granted on XX/XX/XXXX to stay in my home and work towards that short sale. I called Wells Fargo, customer care recovery, to start the process again but I was told it would take until XX/XX/XXXX for them to have an update on the rescission. I attached a letter with the same update. 
On XX/XX/XXXX, I sent the new short sale cash offer for review, I also attached to this letter for proof. On XX/XX/XXXX, I called Wells Fargo for an update on the short sale review, per XXXX ID # : XXXX, informed me that a letter was sent with stating documents were needed to continue the short sale review. I requested the letter to be emailed to my realtor but what we received were no way near asking for documents ( attached proof ). 
On XX/XX/XXXX I was informed by XXXX ID # : XXXX that I had a scheduled auction sale date for XX/XX/XXXX. 
On XX/XX/XXXX per XXXX, did not see any new notes on short sale review then she transferred to the re-entry team, per XXXX he said I was not eligible for a short sale review due to the sale date being so close! I do not understand why my file would be ignored if they had the short sale offer since XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2015 about Debt collection (I do not know) with Halsted Financial Services, LLC. (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I get a call everyday asking for " XXXX XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2017 about Debt collection (Other debt) with EOS Holdings, Inc. (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Affidavit of XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX OF UNITED STATES The undersigned, XXXX XXXX. 
XXXX, being duly sworn, hereby deposes and says : 1. I am over the age of XXXX and am a resident of the XXXX of Pennsylvania. I have personal knowledge of the facts herein, and, if called as a witness, could testify completely thereto. 

2. I suffer no legal XXXX and have personal knowledge of the facts set forth below. 

3. THIS IS NOT A DEBT VALIDATION LETTER Date : XXXX/XXXX/XXXX I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. 

Please provide me with the following : Agreement with XXXX XXXX that authorizes you to collect on this alleged debt The original non-electronic agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete non-electronic scan payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ). If your office fails to reply to this denial letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 

Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 
Thank You, cc : Pennsylvania Attorney General XXXX cc : Better Business Bureau cc : Consumer Financial Protection Bureau cc : Office of United States XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: On my credit reports it is showing XXXX different company names XXXX and on the other XXXX. Which is it??? It 's also showing XXXX different open and close dates. One credit report is showing XX/XX/2012 and the other is showing XX/XX/2012 as an open date for example. That would mean that I have XXXX different accounts, which I do n't have. XXXX different inaccurate information. The balances are showing {$0.00} and the account is showing closed on all XXXX credit companies, TRANS UNION, XXXX, AND XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: Disputed a bankruptcy on my credit report. Bankruptcy shows an address belonging to me that is not on my report. Also, I have disputed the accuracy of the report, as the Bankruptcy court acknowledges that they do not verify to the credit reporting agencies, and the FCRA requires that they verify with the originator of the derogatory item. This information can not be obtained from a XXXX party source. Experian has not shown proof of whom they have verified this information 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