milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/28/2015 about Debt collection (Medical) with Aargon Agency, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Violation HIPPA, PHI and California 's Medical Privacy StatuesIn reference to XXXXPlease be advised that under Federal Statutes the Fair Credit Reporting Act, ( 15 U.S.C. 1681 et seq ) and California 's Consumer Credit Statutes, you may be held liable for the following actions ( a ) Duty of furnishers of information to provide accurate information. 
( 1 ) Prohibition. 
( A ) Reporting information with actual knowledge of errors. 

A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. 

In addition, the HIPAA and California 's Medical Privacy Statutes are in effect in this situation even though the health care services provided may have been prior to enactment. 

The Privacy Rules prohibits a covered entity from using or disclosing an individual 's protected health information ( " PHI '' ) unless specifically authorized by the individual or otherwise allowed under the Privacy Rules. 

In general, PHI encompasses substantially all " individually identifiable health information '' that is transmitted or maintained in any medium. " Individually identifiable health information '' includes health information that is created or received by a health care provider, health plan, employer, or health care clearinghouse, and that relates to an individual 's physical or mental health or condition, including information related to an individual 's care or the PAYMENT for such care. 

The furnishing of my account information is not in compliance with HIPAA, or California 's Privacy Act, and any subsequent reporting of this account on my credit reports to XXXX, XXXX and XXXX is a clear violation of Public Law 104-191 ( " HIPAA '' ) since there can be no permissible business purpose in divulging protected health information to anyone on an account once there is no longer any payment due.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 01/16/2017 about Debt collection (Credit card) with Machol & Johannes, LLC (CO).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have received the statement from Machol & Johannes and there are charges on the statement that I am not sure that I am responsible for. There is no ledger to indicate that this is charged to me or not. Further more it seems that the debt should be paid off and it still shows a 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 01-10-2018 about Debt collection (Auto debt) with NICHOLAS FINANCIAL INC. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: There were faults done by both the Dealership I purchased this vehicle from XXXX XXXX as well the Creditor Nicholas Financial. First off thank god the dealership was caught red handed and the government shut them down and a class action was filed. But the dealer offered a warranty that they did not back, I had multiple issues with this vehicle and they refused to fix with the purchased warranty, so I had to return it. And that 's not the creditor 's fault I blame them zero for that so I never approached it. My problem with the creditor is they improperly handled my case. By law they have to notify me that my car was being sold so I have the option to buy. Then it was sold and and any money owed to me or owed to the creditor has never been updated. In their system the original price was roughly {$9000.00} and I owe them {$13000.00} on a XXXX loan. They show no credit for my car being sold taken off of the balance. So they have double dipped on my automobile. They got the car back and did n't credit me for the sale price. Well I searched the vin and contacted the purchaser, he purchased it as is from an auction in north Carolina for {$10000.00}. My question is where is the credit for the sold amount? Please take a look at my file for yourself and see nothing has been updated and I owe {$13000.00} on a {$9000.00} vehicle with NO CREDIT from the sale of the vehicle. The question further in this is did they claim the full {$13000.00} tax loss when they received money from the sale of my vehicle? If this proceeds a further in depth look will be done.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2017 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Application processing delay

Complaint: On XX/XX/XXXX17, my credit card information was compromised and used for fraudulent purchases. I was notified by account alerts about the activity. I immediately called Bank of America customer service about the activity on my account. They immediately took care of the situation and stated that a new card would be sent out. Needless to say, ever since that time, I HAVE NOT RECEIVED MY NEW CARD. I have made numerous phone calls to Bank of America, spoke with numerous customer service reps, verified all my information each time, so much so that I have lost count and I still have not received a new credit card. Instead, I keep getting letters in the mail about me needing to call them. As stated before, the first letter stated that I need to call and verify all my information. In which I did. Now the second letter dated XXXX XXXX, stating that they could not process my request for credit because of restricted access to my credit files with the credit bureaus. What does that have to do with XXXX in XXXX. I am NOT APPLYING FOR A NEW CREDIT CARD. I have had my account for years in which a lock on my credit bureau account has always been there. Way before my credit card was compromised. I have had it with talking to EVERYBODY and not getting anywhere. In addition to my account being compromised now I am being victimized by Bank of America. No one should ever have to go through this. But here I am with no new card.

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 10-11-2017 about Debt collection (Credit card debt) with Daniels Norelli Scully & Cecere, P.C. (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I entered into a settlement agreement with this debt collector where i agreed to pay {$100.00} a month beginning XXXX till XXXX. After which i would discuss how much i could pay going forward. I authorized to have the payments automatically deducted from my checking account for the above period. The collector continued to take {$100.00} out of my bank for the months XXXX without my permission. The debt collector admitted to taking the funds without my permission and has threatened to seek a judgment for the remaining balance. What can i do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/15/2016 about Student loan (Non-federal student loan) with LendKey Technologies, Inc. (CO).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: This company is making it impossible to repay my loan. There are no options for payment that do not result in additional charges. Trying to make a payment by phone, only open from XXXX to XXXX mon - Fri. Wanting to pay online is a percent, costing {$17.00} or more in fees. Pay by check is a {$2.00} fee. Auto withdrawal is n't working and they charge a {$20.00} late fee. 

This is robbery. The interest is bad enough, but the inability to pay without extra fees is ridiculous.

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

Complaint: Experian Report # XXXX XXXX XXXX 2018 Experian has on my credit report your statement in which I did not say in XXXX as that's there words. Experian has yet to provide proof of a charge off by XXXX XXXX showing {$770.00} written off I have attach a letter from XXXX XXXX showing there was or no money owed by XXXX XXXX. Experian has on my credit file {$770.00} written off with no documented proof from XXXX XXXX showing this balance or a charge off. MY NEXT ISSUE WILL BE LEGAL ACTION ON Experian FOR NO PROOF OR DOCUMENTS PROVEN WHATS STATED BY EXPERAIN.

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 11/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NEW YORK STATE HIGHER EDUCATION SERVICES CORPORATION (HESC)— (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: In XX/XX/XXXX, I attempted to correct the last status of a student loan that was consolidated and paid off as of XX/XX/XXXX.  XXXX conducted their " investigation '' and updated my credit report incorrectly ... stating that I missed a payment as of XX/XX/XXXX. This account has been closed and paid in full as of XX/XX/XXXX, therefor I can not possibly have missed a payment in XX/XX/XXXX. Upon submitting a letter provided by the creditor ( New York State Higher Education Services Corporation ), XXXX  notified me that they could not use the letter in question to correct my credit report and that they would contact the creditor to verify again. Now, they are reporting the account to be in collections as of XX/XX/XXXX ... again, this account has been closed and paid in full as of XX/XX/XXXX ( over two years ago ) and a letter from the creditor was provided to XXXX that confirms this. XXXX is willfully not accepting the letter that the creditor provided, and their " investigations '' are not resolving the issue and have cost me 51 points on my FICO credit score. As a result of their willful misreporting of information on this account, I am forced to file this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2017 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: On XX/XX/2016, I sent a dispute letter to Equifax disputing an unknown medical account. Equifax received my dispute letter on XX/XX/2016. On XX/XX/2016, I received an email that the dispute process has started. I received a new credit report dated XX/XX/2016 that stated " WE have researched the collection account # xxx. The results are we verified that this item belongs to you '', with instructions on how to contact the collection agency if I had additional questions. Per the instructions on my credit report, I sent a letter to the collection agency on XX/XX/2016 to the address Equifax provided on my credit report requesting validation of this debt. On XX/XX/2016, the letter I sent to the collection agency was returned to me by the USPS marked " Return to sender/Unable to forward ''. Per the USPA website tracking information for this letter, it said, " The addressee moved with no forwarding address ''. On XX/XX/2016, I sent another dispute letter to Equifax regarding this medical debt. I also included a copy of the XX/XX/2016 letter I sent to the collection agency as well as the proof of attempted delivery from the USPS website, that clearly stated that the letter was being returned to sender due to no forwarding address. I received an updated credit report dated XX/XX/2016, again their response was that they verified the account belongs to me, with the same instructions as before as to how to contact the collection agency with further questions. The collection agency address that Equifax is reporting on the XX/XX/2016 report, is the SAME address as the previous reports provided by Equifax. I also disputed this medical collection with XXXX XXXX and XXXX, and they bothe deleted the collection from my credit reports. 

On XX/XX/XXXX, I sent a letter to Equifax to inform them I filed a complaint with your agency as well as a copy of the complaint. On XX/XX/XXXX, I received a response from Equifax stating " The disputed account, cfpb is currently not reporting on the Equifax file ''. Obviously, my letter was not throughly investigated, since I am disputing an account with XXXX XXXX XXXX and " cfpb '' refers to your agency. I do not recall the date, but I called Equifax to speak with a supervisor in regards to their XX/XX/2016 letter and explain the " cfpb '' is not a debt I am disputing. She informed me that the debt I am disputing has been verified and instructed me to contact the collection agency. So, needless to say, I did not get anywhere with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2016 about Credit card () with JPMORGAN CHASE & CO. (MI).
Issue: Billing disputes

Complaint: I applied for and received a credit card issued by Chase for Amazon XX/XX/2015. Balance was paid in full by the billing cycle after the card was issued. XXXX letters were sent to Chase with a copy of the cleared check from my bank and a carbon of the check itself asking them to reflect the charges. The second effort was met with a response saying the issue was under investigation and I should do nothing. Today, I received a past due notice.

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2016 about Debt collection (I do not know) with ECMC Group, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: There is a collection account on my credit report that I have continuously disputed because it is completely inaccurate. I do not owe the amount reported, and the collection agencies can not provide any evidence to prove and/or verify the account. The account keeps being transferred from one agency to another, with no accountability, while severely damaging my credit ( and my ability to refinance my home ) and creating a financial hardship by reducing my income. 

In the last year, this account has changed from XXXX to XXXX to XXXX to the current holder, ECMC. I have sent letters by certified mail asking all of these agencies to verify this debt, and they have not. XXXX/ECMC is not only reporting this inaccurate account on all XXXX of my credit reports, but they are also intercepting any federal payment to me. They have reduced my XXXX income and they also withheld my federal tax refund. As of Tuesday, XXXX XXXX, 2016, a staff member from XXXX XXXX, XXXX, stated that they have my case in dispute and they will respond in writing in a few weeks. This is unbelievable and completely unacceptable! I still have n't received a response to date. I retired from my job for health reasons and this is creating a serious financial hardship. This is not my account! 

Following my series of disputes to the credit bureaus, I finally received a letter from XXXX XXXX last XXXX stating that they could not verify the account ( please see attached ), and would return the account back to the original creditor and delete it from my credit files. To date, it is still on my report, which is the account transferred to and now reported by ECMC. The credit bureaus keep sending me responses that this account has been verified, although neither XXXX XXXX nor ECMC ( or any of the other collection agencies ) can verify it, and despite my sending them a copy of the attached letter confirming this fact. 

During the first week of XXXX, I contacted both XXXX XXXX XXXX and ECMC again, and received the usual runaround. On the morning of XXXX XXXX, XXXX, an ECMC staff member, informed me that ECMC sent an email on my behalf to XXXX XXXX XXXX on XXXX XXXX, 2016, asking them to release the intercepted Federal payments, including our income tax refund, and said they are waiting for a response from Automated Collection Services. I never receive any responses or updates, while my credit continues to suffer and my income continues to be unjustly taken from me! I urgently request your help and assistance, as I have written several letters and made several calls, to no avail.

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 07/25/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AL).
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint: Within a 24 hour span, I will at least 12 calls from Navient or XXXX XXXX XXXX They have taken a step further and mimic numbers that are similar to those in my contacts list. Today, I have had enough and they have actually called someone. DO NOT CALL ANYONE REGARDING SOMETHING THAT IS PRIVATE. THIS SHOWS HOW UNETHICAL YOU ARE. THIS IS TOTALLY UNACCEPTABLE!

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (NV).
Issue: Trouble during payment process

Complaint: I have a first mortgage with Mr. Cooper ( formerly Nationstar Mortgage ).  For all ofXX/XX/XXXX my monthly payment was {$1700.00}. I was recently informed that my payment would increase to {$2100.00}, effective immediately. When I spoke to a Mr. Cooper representative, I was told that the escrow had increased due to an insurance increase. But my insurance premium ( with XXXX XXXX ) has not changed from XX/XX/XXXX. I was also told that there was an escrow shortage forXX/XX/XXXXand XX/XX/XXXXwhich I was then paying down monthly. They could not explain why the shortage ( 2 years in a row ) occurred, since they are supposed to determine the escrow payment to not create a shortage. In addition to this latest increase, I have been trying to get any paperwork, like a mortgage agreement, from Mr. Cooper, but all they could provide me with was the original loan documents from XXXX XXXX XXXX, the original lender when I purchased the house in XX/XX/XXXXThe mortgage has been sold twice so far, and I 've never agreed in writing to any changes in terms or mortgage details. I do know, however, that the principal balance on the loan has literally not changed in years. I 'm not sure if I need to hire a lawyer, but I 'm hoping that the CFPB can offer some assistance and advise. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Castle Credit Co Holdings (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: I filed Ch XXXX bankruptcy and was discharged with no distributions in XXXX XXXX. XXXX XXXX had a XXXX lien for a water softener and was included in the bankruptcy. Castle Credit was listed and notified but the continued with their automatic payments. We did not want the water softener and attempted to surrender it. In late XXXX XXXX from Castle Credit told me that I could not surrender it. They stated they were a loan company with a lien against my house and they had to be paid or I would lose my home. They refused to just take back their collateral. I was very ignorant since I filed my bankruptcy pro per and I did n't know there was a lien so I did n't do anything or investigate it. I believed they were right. They represented that like the house payment if I wanted to keep my house I had to pay off their bill. I have since learned it is not true and I do not want the water softener but they refuse to pick up the collateral and remove the lien against my house even though they were discharged in my bankruptcy. They were calling me 3 or 4 times a day at work and harassing me. I do not want the water softener. They should come pick up the collateral of the debt I discharged in Bankruptcy. They claim that I am trying to sell my house so they are refusing to cooperate and are purposely interfering with my escrow where I am trying to refinance but this lien is causing me problems. They are trying to get paid by not complying with the law. 
I sent them a letter telling them to stop calling me as I had to work but even today they keep blowing up my phone threatening me. They keep telling me they wo n't do anything because I am selling my house. I am not.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My wife and I have been negatively impacted significantly by XXXX bank erroneous reports. They have reported three times that I was late on my payments or missed payments. This is absolutely false. I 've actually made extra payments more than required to avoid any issues. I have never been late once by a day nor have I ever missed a payment. I 've called XXXX to dispute these reports, however they stated that they do n't discuss these issues with their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2016 about Bank account or service (Checking account) with PNC Bank N.A. (IL).
Issue: Account opening, closing, or management

Complaint: PNC had an account opening bonus for a checking account. I completed all the requirements for the bonus but the bonus was never paid. This is a UDAP violation. When contacted about the bonus, PNC refused to honor the bonus as stated in the advertisement and even failed to meet their own timeframe for responding to customer service requests.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-08-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: According to my paid subscription to TransUnion 's credit monitoring my credit score on XXXX XXXX, 2015 was XXXX. When XXXX XXXX bank pulled the score ( and I confirmed with XXXX underwriting department that all they did was use the score provided by TransUnion and did not generate the XXXX internally XXXX the score provided to them from TransUnion was XXXX. TransUnion can not explain the difference. They said XXXX must have used their own model. XXXX did not. Because of the score TU reported to XXXX I was denied credit. TU claims that the score they show the customer via their credit reporting membership service and the one potential lenders see are the same. However, they are not. They are n't even close!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2016 about Consumer Loan (Installment loan) with PNC Bank N.A. (PA).
Issue: Shopping for a loan or lease

Complaint: My line of credit was being modified in XXXX of 2016. The modification was complete on or about XXXX, 2016. During this period I made payments. My bank - PNC Corp however reported that I did not pay and that my loan - line of credit was delinquent. I reported this to the credit reporting agency as well as PNC bank. So far it has not been resolved as I have gotten the run around by PNC transfered to several people then back to XXXX XXXX, PNC bank rep.

Company response to consumer: Closed with explanation