milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/25/2017 about Debt collection (I do not know) with ERC (SC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: contacted collection agency advised that I never had an account and the didnt do anything. also disputed with  XXXX  with no results. this account is not mine. asked for validation that I opened the account.  XXXX  and  XXXX  has the incorrect birth year for me and I believe this belongs to someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2015 about Debt collection (Medical) with HCFS Health Care Financial Services, Inc. (NY).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: HRRG collections contacted me about XXXX medical bills they say I owe XXXX in XX/XX/XXXX and XXXX in XX/XX/XXXX. I asked them to send me the statements since my I was insured and the bills exceeded my max insurance deductible. I still have n't received anything in the mail. the other day outsource contacted me about the same dates. saying I owe {$1300.00} and HRRG is saying I owe {$2500.00}. HRRG then called me today saying what I owe and when I asked why there was difference the woman got hostel and started yelling at me then I asked for the medical bill so I can take it to my insurance company and ask why I did n't get notified and why it exceeds my deductible. and the woman starts yelling at me and saying that sent this last year she was screaming something I need to contact someone else about and the company I do n't know she was yelling at me so much I did n't understand. I just want proof of what I owe and why. Not to be treated like a child and screamed at. both companies are claiming there collecting for the hospital. and when I to the HRRG lady this she said she mistaken she was collecting for the doctors not the hospital. at that point i hung up just seemed like a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
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 611 ( 5 ) ( 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 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 01/25/2017 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (NJ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX XXXX XXXX ( Debt Collection Agency ) discharged a debt they claim I owed to them on behalf of a previous merchant on XX/XX/2016. I recently received a XXXX form from the IRS showing that this company discharged this debt on XX/XX/2016. In doing so, they charged it to me, whereas I must now report this onto my 2016 Tax returns. Furthermore, XXXX XXXX XXXX XXXX has continued to attempt to collect this throughout the year ( 2016 ). The latest written correspondence I received from this company attempting to collect a debt was on XX/XX/2016 ; nine ( 9 ) months after discharging it. This appears to be misleading, and undermining to their credibility as a business. They claim to have discharged this debt to the Internal Revenue Service, yet they are still trying to collect it months later. 

This is not the only time that XXXX XXXX XXXX has violated the FDPA. In fact, it seems they have a pattern of doing so.

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 11/16/2015 about Debt collection (Payday loan) with Mid-Atlantic Consumer Services (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I was contacted by " XXXX XXXX '' from Mid Atlantic Consumer Services via phone and email, saying I owed {$1300.00} for a plain green loan from XXXX. I never received a letter yet by XXXX Mail from this company. She only gave me the name and account ( XXXX XXXX XXXX for the creditor, never a website or address. The problem is I was contacted by a company in XXXX XXXX called XXXX XXXX XXXX and paid them through XXXX Billing {$110.00} a month for 7 months, XXXX XXXX through XXXX XXXX. I have been doing some research and have found that all these companies operate with addresses out of NY that go to post office boxes in a XXXX store, XXXX XXXX and recently got a XXXX address. I already paid what I now believe to be a bogus company and I do n't want to be expected to pay another bogus company.

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TN).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I joined the XXXX, upon graduation from college in XXXX of XXXX. I reported to basic training on XXXX XXXX of XXXX. Prior to entry on to XXXX XXXX, I contacted XXXX XXXX, then my student loan service contractor. I told them I could not pay the monthly payment of {$1200.00} a month and told XXXX XXXX that was reporting for active service. At no time did anyone suggest that I apply for an income driven repayment plan, which I found out a month ago, would have been my best option, as the payments would have been small, affordable for an XXXX, and would have counted towards the 120 payments for public service loan forgiveness. 

I was encouraged, on that phone call, to place my loans into long term military deferment. At no time during this conversation was I ever told my loans would capitalize. At some point, my loans were transferred or purchased by Navient. I was not made aware of this until one day a few years ago, possibly in XXXX, that Navient had taken over my loans. 

At no point in that written correspondence was I made aware of income driven repayment options. 

It was not until XXXX XXXX XXXX, a XXXX XXXX XXXX, came to my battalion formation and spoke about XXXX and income driven repayment that I came to be made aware that my loans had now ballooned to over {$100000.00} in the last 7 years. 

Had I been given the correct information 7 years ago, I would have been in IBR, and then REPAYE, and been 3 years from PSLF. Instead, I am facing the crushing realization that I have yet to make a single payment towards PSLF which would otherwise be happening in about 3 years.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2016 about Credit card () with CITIBANK, N.A. (NC).
Issue: Rewards

Complaint: I have a Sears MasterCard and have had it for many years now. Late last year they emailed me a promotion to earn 10x my normal Choice Reward points by clicking the sign-up button, which I did. Each month immediately after the billing cycle ended I would get 10 times my normal points based on how much I had charged during that cycle. These points were available for gift cards, etc and worked fine up until the last month. This promotion went until XXXX XXXX. When my billing cycle ended on XXXX XXXX, I only saw the regular points posted and not the 10x the points. I called Sears and they told me they saw the issue and needed to investigate further and would call me within 7 days. I heard nothing so I called back in after the 7 days were up. I was told they were still investigating. Well it 's been several weeks and still no sign of the missing points and no communication from Sears.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2017 about Checking or savings account (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (CO).
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint: Please see CFPB complaint ID XXXX and XXXX complaint ID XXXX. I am submitting this because I wanted to submit into the record proof that Capital One 's response to complaint ID XXXX was essentially perjury. I am still hopeful I will be able to recover my funds from them, but I am about to move so I am not sure what will happen. They have still never returned any of my phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have tried four times through the dispute option on all my credit reports to remove 9 ( x 9 ) late reports from XXXX, the XXXX/Gov  funding for college loans from my reports. On my credit report under derogetory information it shows late payments 9 late payments for each account. Ihave been on loan deferment since 2009. On my list of accounts in good standings it shows never been late. I need these deleted so I can find a new apartment and get phone service.

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 10-11-2017 about Debt collection (Medical debt) with Medical Business Bureau (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Medical Business Bureau is stating that my first date of Delinquency for the amount of {$360.00} was XX/XX/XXXX, but I was n't in the hospital until XX/XX/XXXX. The original bill is from XXXX XXXX XXXX, which was paid in full and I have supporting documents. XXXX has already honored my dispute and DELETED the item off my credit. I just need XXXX and XXXX to follow suit. I also have the hard copy supporting document showing that XXXX has removed this item from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Hello, Im writing this letter because im having difficulties with my mortgage company, As of XXXX 2016 i was no longer able to afford my monthly mortgage payments due to the company that i work for is going thru some bad times and they had to cut my hours. 
i called Nationstar Mortgage and at the beginning they told me i was eligible for a HAFA Short Sale in order to avoid foreclosure, they told me to hire a realtor to place the property on the market. 
After 60 days on the market we finally received offers and were submitted to my mortgage company for approval, Nationstar told me that in order to continue they had to perform a Brokers Price Opinion which it was done a week later. After 2 weeks waiting for Nationstar Mortgage to call me back, i reach to out to them and they told me that their report came back at {$470000.00} value. 
I told them that i did n't agree to that value since there is no homes selling for {$470000.00}. Nationstar told me that i had an option to dispute the value and i had to pay for a full appraisal in order to take my dispute in consideration. 
So i paid for the appraisal out of my pocket, 10 days later Nationstar told me that my value dispute will be under review since they confirmed that the appraisal that i paid for show a value of {$340000.00}. 
Now Nationstar told me that they will reduce the price to {$440000.00} otherwise they will foreclose on my home. I believe this is not fair since the current offer that we have is {$380000.00} over {$40000.00} from the current value and Nationstar seems to have bad intentions against our home. 

Now after i called to speak to a manager and no one wanted to help me, Nation star has placed a Foreclosure Sale Date on my home set for XXXX/XXXX/16.

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (VA).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: I have never opened/or knew about this credit card or I did not make a purchase of {$3300.00}.

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 05/14/2016 about Debt collection (Credit card) with WELLS FARGO & COMPANY (NY).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: This company continues to call me on my personal cell phone. I have been really sick and they just continue to annoy me. I realize I 'm owing them money, but they are not going to get it any faster by annoying me with countless phone calls. They are calling in the morning. They are calling me while I 'm shopping in a store. They call at dinner time. All through the day! I want my personal cell phone number removed from all creditors. I am unemployed and I am doing the best I can with my bills. Please make them stop! 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 non-monetary relief
Consumer complaint received 04/17/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (NV).
Issue: Loan servicing, payments, escrow account

Complaint: I wish to avoid foreclosure. I was not given proper notice so I could have opted for State of Nevada Mediation. My notice of default was recorded on XX/XX/XXXX. A foreclosure certificate was requested in XX/XX/XXXX and issued/recorded on XX/XX/XXXX over 23 months later. Several RESPA laws have changed since my Notice of Default was recorded on XX/XX/XXXX. I do not feel their XX/XX/XXXX ( 23 month old ) Notice of Default is still valid. I also do not think I was properly issued my required mediation paperwork before simply recording a Notice of Sale 24 months after the Notice of Default. I believe Nationstar should have to record a new Notice of Default and then have offered me again mediation before it expired or waited another 90 days before recording a notice of sale. I want to avoid foreclosure. Nationstar is now evading that request. I am in the process of trying to avoid foreclosure and do a short sale. My attorney submitted an offer last week and Nationstar could postpone my sale date and allow me to short sale my home and avoid foreclosure. However, they refuse and say they can not accept my request. I do not understand why they can not postpone my sale date and allow me to sell the home. It cost them more to foreclose and takes longer. I have a market value offer on the table now.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (IL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: They told me that it would not hurt my credit and I can dispute it and it will be removed. This was false and I was misled into thinking this account would not damage my credit score but it has tremendously. Want this account removed from credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-02-2017 about Debt collection (Medical debt) with TRANSWORLD SYSTEMS INC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I believe I already paid off my medical expenses to XXXX XXXX XXXX XXXX XXXX on XXXX in XXXX Texas. In fact I was confused when paying initially months ago because I was apparently being billed by Transworld Systems Inc, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  PA XXXX, XXXX for the XXXX XXXX XXXX XXXX which I do not recall receiving a bill from. 

Needless to say I was skeptical at that time because I never recalled hearing of this company, and XXXX XXXX XXXX XXXX ( XXXX ) never informed me about expecting them to bill me on their behalf. At that time I checked the information on the statement, talked to representatives at both XXXX and Transworld and believed I did sufficient homework to reconcile the charges and they appeared to be legitimate. So I payed the amount and later received a notice from Transworld that I over paid and I believe they sent me a riembursement check. 

Now months later I am getting statements from Transworld again wanting to collect over {$1000.00} without any explanation. I believe I already paid what was due previously in good faith and they are trying to take advantage of me. 

I work long hard hours and I believe they know most people are strapped for time and are too stretched to research ( all over again ) and they hope people will just pay. 

Frankly, I do n't trust them and I am very stretched for time. 
I am willing to pay legitimate charges for sure, but how do I know this billing is legitimate? Its been a while and no one from the hospital has contacted me, and there is scant evidence on the Transworld Statement to even begin to believe the charges. 

There 's no history of past payment so I can not tell if they have done their homework and know if they are trying to charge me for the same service I already paid for. 

I need some help! They need to show me why I owe anyone money. If I sent them a statement out of blue, or to anyone for any reason, why would any rational person or business expect a payment for something that had no explanation for a service that supposedly occurred in the past that you barely recollect and believe you already paid for. This is insane?

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CO).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My interest rate with Navient is 10 % and it is n't fixed. The payment they require to even make a dent in the principal balance is extremely high. They told me there is nothing I can do to lower my interest rate. No one refinances private student loans either that I know of. I just feel like I 'm drowning in these payments to Navient and I have n't seen my principal balance go down at all in 5 years of paying them. I already pay on my Federal student loans as well. I just do n't know where to go from here or how to get a lower interest rate so that I can start making a dent in my debt. Please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2017 about Debt collection (Other debt) with ERC (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: **Please note, debt was already disputed an d discharged, but  not due to bankruptcy, it was dismissed because I was found to not be responsible for it.   I was sent a notice from a debt collector called : ERC, to notify me that  XXXX   XXXX  hired them to come after me for a debt that had already been disputed and dismissed both by the previous creditor employed by  XXXX   XXXX  and by   XXXX   and  XXXX  last year. How can they hire a second debt collector to come after me like this? I did a lot of work to get this debt removed and cleared already. This is like double jeporady! I am an elderly woman on a fixed income, and I am not responsible for this debt to begin with! Please help m e! See letter ata ched. Thank you!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2015 about Debt collection (Credit card) with Ascension Point Recovery Services, LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My mother died XXXX/XXXX/2014 and left an unpaid credit card. I went into the store to pay it and learned that they had written it off. ( excused the debt ) When I got home my wife said a collection company called and wanted payment for that same debt. She did n't know it had been written off by the original company and she agreed to pay it. She gave them a check by phone to be cashed a few days later. I stopped payment on the check as soon as I learned what she did. 
The collection company is AscensionPoint Services. They have continued to call me and my wife on our personal phones and her work phone. They say we are n't responsible for the debt but they keep calling. I researched AscensionPoint and found numerous pages of complaints on them being a scam and not to pay them anything.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/28/2016 about Credit reporting () with EQUIFAX, INC. (CO).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I have XXXX hard inquiries on my credit report from XXXX XXXX in the same week. I did not authorize the inquiries and I have communicated this to them on two separate occasions and they will not remove them. The inquiries we made by a third party vendor contracted to XXXX XXXX. I have a fraud alert on my credit report and I did not follow through and give them permission to retrieve the information. The inquiries are listed on Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2016 about Debt collection (Auto) with TCF NATIONAL BANK (IL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I am currently behind on XXXX car payments and have been getting at least XXXX-XXXX calls a day, not including calls to family members stating if I do not call, it will not be in my best interest. My family members are afraid for me and feel threatened.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2015 about Credit reporting () with Experian Information Solutions Inc. (KY).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: An account XXXX # XXXX that the XXXX has been over 7-8 years is still listed on my personal credit file. Please remove as there is a statute of limitations.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation