milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/25/2017 about Debt collection (Medical debt) with HCFS Health Care Financial Services, Inc. (NY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: ARS co llection agency.  First appeare d on my credit report monitoring as an alert, many listings for the same amount. Never received notice in the mail. Sent them a request for validation. Never received an answer. Sent that information to  XXXX ,  XXXX  and  XXXX . All  XXXX  agencies removed the listings. Fast forward  two years la ter, again I get a notice from credit monitoring saying these have AGAIN appeared on my credit report. Disputed with  XXXX ,  XXXX  and  XXXX .  Again sent request to validate the debt - tracked of course though the USPS. They again failed to valid ate the debt. Still not removed from  XXXX ,  XXXX  and  XXXX . I do n't recognize the account and they did not send validation of the debt.     They 've now responded to my complaint via the cfpb only - I still have never received validation. They did not send it. I realize they say they 'sent validation ' yet validation was never received. I have my receipts showing they received my correspondence.     In addition, I was a N YS  XXXX  and   XXXX   XXXX   pa tient during the time period in question I think. Given that first "  XXXX   XXXX   XXXX  '' never sent me a bill and the n ARS has never sent me the information, and I have repeatedly asked for validation in an original itemized state ment through cfpb. If this was through   XXXX   hospital, they can not bill me because they failed to file or get paid by  XXXX . I am not personally liable.   XXXX   hospital has a contract with NYS  XXXX . They are acting in violation of their contract and NYS/Federal law. SO AGAIN please send me the itemized original statements so I can follow up with who I need to in  XXXX .     I request to see any signature pages where I agreed to pay this. In addition I had  XXXX  and  XXXX   XXXX  during the accused dates of services. I gave them the information. You can not legally bill a patient who has  XXXX  as "  XXXX   Hospital  '' as this response says, if they did not do their job at billing by submitting the claims to  XXXX . They are in a contract with  XXXX  as well as the  XXXX   XXXX  's. I believe they do not have the documents to support this accusation of debt, and since it all was covered by  XXXX  /  XXXX   XXXX  they have to write this off, they can not bill 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 08/15/2016 about Debt collection (I do not know) with Integrated Recovery Services (MO).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I am getting calls from a collection agency. The calls are left on my answering machine and threaten legal action and prosecution if I do n't return their calls. I call and explain that they are trying to reach my ex-husband 's first wife. They were marries in the 1970 's. That I never met the woman. That I have been divorced from my ex-husband for more than 10 years and have no idea where he is or his former wife. 
She never lived in the home that they are calling, never lived in the city they are calling and never had the phone number they are calling. 
I ask them to take my name off the information that they are using to reach this woman. Sometimes the caller is friendly and apologizes and agrees to correct their records. Sometimes they curse at me and tell me that they know I am that woman and that they will have me thrown in jail. 
I received two calls this week from the same collection agency. I called them back and the man I spoke to was rude, loud, and used abusive language, threatened me and then hung up on me when I was trying to explain this situation. I immediately called back his extension and it went to voice mail. I left him a message and told him that I was not the person they were looking for and that I did not want to be called again. I was not rude or profane.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

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

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/24/2016 about Consumer Loan (Installment loan) with Gold Star Finance, Inc. (TX).
Issue: Problems when you are unable to pay

Complaint: I am out of work right now and are unable to pay for this loan I have with Gold Star Finance, the manager is XXXX XXXX his # is XXXX, I understand I have to pay, I just need some time, this person almost tears down my front door, is here every other day in different cars and at different hours, my daughter is terrified of him, he parks his car behind my car, so I cant move, I do not want to talk to him and that is why i 'm filing this complaint

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Was unable to get my annual free credit report online from TransUnion. An error message claims TransUnion is unable to verify my identity, but no such error occurred with the other credit agencies. Because of that I 'll have to wait 6 weeks for one painstakingly ordered over the phone or purchase one online. TranUnion also makes it very hard to purchase just the report without a recurring $ XXXX service. I had to dig and dig for that option.

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 02/13/2016 about Debt collection (Medical) with CMRE Financial Services, Inc. (CA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: My account for XXXX services I received from XXXX XXXX XXXX was placed at CRME Agency for collection. The information in my file contains my personal information including my XXXX. Recently I have noticed suspicious active on my credit report in the time my account was place in CRME Agency. I have notified the credit reporting agencies and was advised to confirm that any third party that received my information in 2015 is compliant with 45 CFR Parts 160, 162, and 164 Health Insurance Reform : Security Standards ; Final Rule, Gramm-Leach-Bliley Act and California A.B. 964 and A.B. 964. I have made the request and CRME refuses to provide this information

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (MO).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Navient added remarks to my student loan.I was forced into forbearance by navient again.I am scheduled to resume making monthly payments of {$170.00} a month.Starting in XXXX 2017.Navient continues to add balance increased on my credit report, but I am in forbearance.Navient is not allowed to make add any remarks to my credit during this time.They did not ask me to add these remarks.This company is horrible and they all should be arrested for fraudulently credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BMO HARRIS BANK NATIONAL ASSOCIATION (WA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: All three credit bureaus show that I have paid this loan late 6 times or more 30 days late or more. I have never paid this car loan 30 days late ( or longer ). I have called multiple times about my payments because I fell behind due to household expenses, but always paid before the 30 days. I was assured multiple times, by multiple reps in the call center, that since I was making the payment that day it would not be considered late. Go back and listen to the calls where your agents are telling their customers as long as you make the payments before 30 days it won't be reported late on your credit report. Again, I have never made payments 30 days late. It may have been day 28, but the call center said that was fine and would not be reported as late to the credit bureau.

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 08/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with DISCOVER BANK (TX).
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 have contacted Discover Financial Services and Student Loan Corporation about inaccurate information reported on my credit report. Monthly they have reported that my account is in bankruptcy, with a {$0.00} balance, and derogatory. Also this is completely inaccurate information as I have a balance that I pay monthly on time. This has caused my credit report to drop 7 points. Each time this inaccurate information has been reported, I have called and spoke on the phone several hours with specialists about their reporting errors. They claim they have done everything to resolve this issue and refuse to provide me anything in writing pertaining to their actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-02-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (AR).
Issue: Loan servicing, payments, escrow account

Complaint: Our mortgage servicing company OCWEN every 6 months sends us a notice that our Condominium Association Master Insurance Policy on our rental property has expired. It then requires us to contact the Homeowners association and master insurance company to provide all the master policy information, endorsements, etc., etc. What on earth is the mortgage servicing company getting paid for if not for basic services like establishing contact the Homeowners Association to verify their Master insurance coverage? We are hounded every 6 months with this repeated huge paperwork exercise. OCWEN is getting paid to do this or do I misunderstand their obligations and what they are being paid for? We understand perfectly our requirement to verify we have homeowners insurance on the condo itself. 
This is just one of the regular hassles that OCWEN puts us through because they do not follow up on the information we provide or require repeated re-sendings of information and paperwork because they lose track of our material. OCWEN is without a doubt the worst organization we have ever dealt with concerning mortgages and insurance. Constant difficulties.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2015 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have contacted Experian at least XXXX times regarding the erroneous information listed on my credit report. I provided notarized police reports, FTC affidavits, documentation of complaints filed with the FTC, CFPB and the FBI internet crimes unit. In addition, I have provided proof, in the form of receipts, bank statements indicating that fraud occurred on my account, and all invoices from companies proving that purchases were fraudulently made. I also included proof that I was not even in town when all the alleged transactions were made. Experian continues to refuse to acknowledge this information and repeatedly sends generic letters which request " Notarized FTC affidavits to complete the investigation. '' Yet when I send this information to Experian they have done NOTHING to update my file!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-01-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I called to notify my lender that I was still XXXX in order to get an XXXX deferment on my loans and payments due ; however I continued to get statements showing a payment due as well as accumulated late fees. I called again to inquire as to why I am still being charged late fees if I am enrolled in school half time. I was told by a representative that they had not received proof of school enrollment through the national clearinghouse. I then asked if the late fees would be reversed once my enrollment and date showed on the national clearinghouse site and I was advised that those late payment fees would still apply even after my enrollment date shows I was eligible for a XXXX deferment. I was then offered to be put into a forbearance status until they receive my enrollment proof ; however this would count against any future forbearance that I would be eligible for and the representative did not reveal this information to me until I asked. I immediately contacted my university that I 've XXXX with since 2014 and was advised that they send enrollment information on the XXXX of each month ; therefore I feel as though Navient is charging me unnecessary late fees and ultimately causing my payments and interest to be higher. My payment was not due until XX/XX/XXXX and I was already XXXX therefore Navient should not charge me late payment fees.

Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2015 about Debt collection (Credit card) with CITIBANK, N.A. (NJ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XXXXXXXXXXXX Cards ServicingI have XXXX credit cards, with them I am now working with a XXXX XXXX XXXX NJ, Each day I receive XXXX calls, and when I block that number they call from a different number. I already over and over spoke and explained my situation and gave representatives the Number to the XXXX of NJ.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
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: This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made with and on : XXXX - ( XX/XX/XXXX ), XX/XX/XXXX, XX/XX/XXXX XXXX - XX/XX/XXXX XXXX -XX/XX/XXXX, XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I 'm sure you 'll agree that verifying your information is in your best interest.
Finally, assuming you do not possess inquiry authorization, I request that, after removing your unauthorized inquiries from my credit profiles, 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 09-01-2016 about Mortgage (FHA mortgage) with Seterus, Inc. (WI).
Issue: Loan servicing, payments, escrow account

Complaint: Dear XXXX. Seterus is charging me fees to see if I still live in my home ( I requested it me be retured ). They " say '' they send a guy out to see if I still live there. I call them every month and talk to them. Setures took the account over XX/XX/XXXX15. I tryed to pay extra to get caught up on my account ( now does that sound to you of a guy who is going to abandon the property? ) .If they give me back my late fees and house watch fees their would be enough in the account to get caught up but NO, all the care about is money and stealing homes for huge profits.WHY do I need these crimminals handling my account for, they do n't care about communities or people they have to step on. I call them to investage my payments to see what the mistake was make and to call me. They told me they do n't call people with the results, WHY? What are they hiding, so they send paper work they you need a lawyer to explain what it means and they know I ca n't afford that so they get away with if. WHY are n't you as a goverment agency helping me with this problem againest these crimminals? SO NOW they took MY extra money and applied it to the principle, I NEVER GAVE THEM PREMISSION TO DO THAT, just another way for crimminals to get more money from me. I am asking you as a goverment agency to get my money back and apply it to the back taxes account or have then send me a chech for the FULL AMOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2016 about Bank account or service (Checking account) with U.S. BANCORP (MN).
Issue: Deposits and withdrawals

Complaint: I rented a car using my XXXX card. when I returned the card I paid with my US Bank card. 
I was then charged with a fee from my XXXX card for 1 day and a fee from my US Bank for XXXX. I reported the issue to US Bank. They returned the amount in 15 days. US Bank later reversed the charge and charged me XXXX again. They said they mailed a letter requesting addtional documents that I never received. Its been 15 days and Im still waiting to have the fee reversed from US Bank. I called and they said they have all my documents however nothing has been done.

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 03/17/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: In XX/XX/XXXX I received a letter similar to the one attached. The date listed for payment was XX/XX/XXXX with a payment amount of {$730.00}. I made that payment by the date on the letter. This was the first correspondence I had received from Navient, and I took immediate action. 
On Saturday XX/XX/XXXX I received the attached letter. I logged into my account and realized the extent of the issue and immediately made a payment of {$2900.00} to get my account current. On Monday, XX/XX/XXXX I became aware that all of these accounts were reported as past due to all three credit bureaus. 
As you can see by the enclosed documents, the letter from Navient does not state how late the payments were, and the credit report pulled XX/XX/XXXX, with a reporting date of XX/XX/XXXX shows a Payment status of Current. The report pulled XX/XX/XXXX has a last reported date of XX/XX/XXXX, shows a status of 90-119 days late. The last enclosure shows the payments made. 
When I called and spoke to Navient 's customer service I was advised correspondence was going to an email that is no longer monitored. I have since updated my contact information, and remain current on my payments. 
I am asking that this reporting to the credit bureaus be changed as I was not properly advised to the state of the account, and as shown by my actions I had the means and intentions to not have these fall into a past due state. This reporting has had a severe negative effect on my credit score as I was in the process of obtaining a mortgage. This will no longer be possible with this erroneous reporting due to inadequate notification.

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (ND).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft. The following XXXX credit card account ending in : XXXX is fraudulent and unauthorized. I have never applied for a XXXX credit card account. The XXXX credit card account do n't belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2016 about Student loan (Non-federal student loan) with TRANSWORLD SYSTEMS INC (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: When I signed my contract for my student loan at age XXXX, I was under the impression that I would n't have interest charged until after I graduate. Now that I am more aware of my finances, I have noticed that I was charged over {$15000.00} in student loan interest while in school. Making my " affordable '' balance of {$60000.00} jump to well over {$80000.00}. I 'm being denied when I try to refinance my loan, because it is now at a 9.6 % interest rate, and I have have n't been given the time of day from other financial institutions. I 'm overwhelmed by more than just the number, but also the interest rate and I think that the student loan company not only fraudulently charged me an enormous amount of interest while in school, but they also took total advantage of a young student, without any other way to pay for college.

Company response to consumer: Closed with explanation