milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/23/2016 about Debt collection (Medical) with Revenue Recovery Corporation (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: My credit report shows some medical collection on XXXX ( REVENUE RECOVERY CORPORATION shows 2 collections from PHYSICIAN SERVICES AT XXXX shows 1 collection from PHYSICIAN SERVICES AT XXXX shows 1 collection from PHYSICIAN SERVICES AT XXXX ) which all have been taking care of from a workscomp claim. I needing to get the correct infomation from someone to have this removed from my cerdit report please.

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 07-01-2016 about Debt collection (Medical) with HCFS Health Care Financial Services, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I disputed this error ( debt that I do not owe ) XXXX/XXXX/XXXX and again on XXXX/XXXX/XXXX. This agency never responded on either dispute. They finally responded when I filed a complaint but still did not resolve this matter, claiming that they could not find the account and needed me to provide them with more information. I have provided my name, my social security number, my birthday and my address. The burden of proof is not on me. This erroneous debt is defaming my name and causing me to be denied for credit. By the laws of the finance code Sec 392 their time to respond or investigate is up. If this company needed more information they could have requested that from me when I first disputed this error. I need this deleted from my credit file immediately!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2017 about Bank account or service (Other bank product/service) with SYNCHRONY FINANCIAL (CA).
Issue: Problems caused by my funds being low

Complaint: I thought I previously turned on autopay to be effective for my XX/XX/2017 payment of {$84.00}, but I did n't notice I either did n't do it correctly or confirm the change so when my due date came up, my payment was not sent. I realized it when I did not see it as a pending transaction after the fact. Since then I successfully turned on the autopay, but now I have a late fee of {$37.00} for that late payment. I called customer service today XX/XX/2017 and asked for a waiver of that fee. I was told its not possible. I previously had an issue that XXXX took responsibility for and waived the fees, but I feel like that was a separate issue a long time ago that has been resolved and should not be held against me. I have made all my payments on time since that issue was resolved and only ran into a problem when trying to setup autopay. I 'm asking for this late fee to be waived please. 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 monetary relief
Consumer complaint received 11-10-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Caliber Home Loans, Inc. (WA).
Issue: Loan servicing, payments, escrow account

Complaint: My Homeowner 's insurance payments were not made on time causing the house to uninsured over XX/XX/XXXX - XX/XX/2015Caliber home loansAccount # XXXX XXXX XXXX XXXX, XXXX, WA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2015 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: They have made it IMPOSSIBLE to get your FREE report

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-06-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (AZ).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: Spoke with XXXX XXXX from Barclay XX/XX/XXXX Barclay Bank Delaware allowed a fraudulent account to be opened on or about XX/XX/XXXX, I notified the Fraud department for Barclay Bank Delaware that the account was fraudulent and that any and all charges that were on the account was fraudulent and I wanted to dispute them. A investigative representative for the Bank contacted me stating that the investigation was concluded and that the account was opened by a family member most likely, so they would not consider it as fraud and that they would not provide me a signed contract or agreement as there was none, he stated that the account was opened online. I disputed the items via the credit bureaus as well and Barclay Bank Delaware provide false account information. Barclay Bank has utilized fraudulently obtained information in opening this illegal account and knowingly allowed it to be opened by suspicious mean, lax security measures and failed to protect my consumer information and provide adequate security, protection and resolution measures in alignment with the FCRA. They have continued to report on my credit report an account that they themselves admitted that they found to not be mine. Stating, " Tho the account is n't yours we reasonable believe it is someone in your house hold therefore you are responsible '' Monday will work on it, will call back no later the XXXX XXXX XXXX, XXXX XXXX XXXX XXXX.. 

Followed Up to Calls Tuesday XX/XX/XXXX and Wednesday XX/XX/XXXX. Spoke with XXXX in fraud, she said she would reach out to XXXX XXXX or someone in upper management to see if they could sort this out. I was transferred to a Supervisor other than XXXX who stated that he was out of the office for the week, however that she reviewed the account and that the account would not be removed and that I would be held accountable for the account. I asked for a copy of the signed application and signed agreement, she stated there was non and that they did not utilized signed agreements that they just verify information and if it matches up they approve the account. At the time the identity theft occurred I had a fraud statement on the account as well however they were still able to open this fraudulent account.

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 11/21/2015 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Accounts using name XXXX XXXX and XXXX XXXX XXXX, I have no middle name, also addresses I know nothing of

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Westlake Services, LLC (SC).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I bought a truck financed it through westlake financial there were suppose to report it to my credit every 30 days and never did.I have paid off and still isn't on my credit.I was first asked to send in copy of marriage license ehich i did and then i was asked to send in copy of my drivers license and i did.Now they just offer to send me a letter saying my account is paid un full.Which still isn't going to help my credit score! Last time i spoke with them i was told i have to contact the credit bureau and have it put on there but how thats there responsibility!! Please help get this on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2016 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (OR).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Portfolio debt management calls from multiple numbers have been informed to cease and desist, and that they are past both Oregon state statue of limitation of 6 years and federal FDCPA statue of 7 years, they keep stating that they can collect " as long as i am alive " that the statues do not apply to them, they called again today after another cease and desist from a new number XXXX, the harrasment has to stop the debt is no longer enforceable, and the do not care about the consumber protection laws

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax has and continues to mishandle the personal identifying information ( PII ) of millions of citizens, including myself. This has put us all at risk of identity theft like never before. Equifax knew about the data breach for over a month before notifying the public. To protect our identities, we now must pay the credit bureaus to freeze and unfreeze our credit as needed. This is the new normal. As a final example of Equifax 's incompetence, the PIN Equifax creates to freeze credit is a time stamp, which is vulnerable to hacking, instead of a randomized PIN. Even then, the PIN can be changed using the same PII that was stolen in the data breach. 

If that all was not enough, three of Equifax executives may be guilty of insider trading, since these executives sold almost {$2.00} million in stock after the data breach was detected and before notifying the public. 

Equifax 's actions has cost us time, money, and peace of mind. Please take quick and decisive action to ensure citizens are compensated for Equifax 's negligence and that standards are changed and enforced.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2017 about Checking or savings account (Checking account) with ARVEST BANK GROUP, INC. (MO).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: I assisted my grandson in purchasing a car to commute to/from college. The cost of the car was {$4200.00} and the check was delivered to the auto dealer on the evening of XXXX XXXX, XXXX. My grandson returned the next day, XXXX XXXX, XXXX, to pick up his car. On the way home from the dealer, the engine experienced a major malfunction which required it to be towed back to the dealer. Given that the car dealer stated they were not responsible to repair the engine, I called my bank at XXXX XXXX my bank on XXXX XXXX. I did not make contact. I called my bank the next morning, XXXX XXXX, XXXX, at approximately XXXX XXXX in order to request a stop payment on the check. I was told the check had not cleared my account and that I could stop by the bank in person and sign the stop payment request form. I went to my bank in person before noon on XXXX XXXX, XXXX to complete the form. I was given full assurance by the bank associate handling my transaction that the check had NOT cleared and, therefore, the stop payment would be put into effect. My grandson was still in need of transportation and I helped him purchase another vehicle. On XXXX XXXX, XXXX, I was contacted by the car dealer who informed me that the check had, in fact, cleared.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, 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 contacted the credit bureau and XXXX XXXX XXXX regarding an error or my credit report. I received a notice from the credit union. The entry on my account reports as a charge off. This is incorrect and there was no balance. I request this entry is deleted entirely from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (PA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have roughly $ XXXX of Student Loan debt, $ XXXX of which is Private through Navient. All of my loans are cosigned by my XXXX year old grandmother who lives on Social Security benefits month to month and makes a yearly income of - XXXX ( she dips into savings every year ). My mother has cosigned XXXX of these loans for {$11000.00}. She too makes little ( she works for XXXX XXXX ) and is currently fighting a foreclosure suit on our childhood home ( my dad passed away in 2012 but prior to his passing, he took out a home equity loan for {$140000.00} - now my mom is stuck with this loan, even though she never signed the agreement and is a co-owner of the home - that 's another story ). She has a 401k. 

Navient will not let me lower my monthly payments because both of my cosigners show as eligible to pay the full amount of the loan. I am on a XXXX year plan right now but I need to extend to at least XXXX. After pestering and talking to the supervisor at Navient, I found that my cosigners are deemed eligible to make payments on the loans because they have assets - they are both homeowners and have retirement savings. I applied with XXXX XXXX to consolidate my loans and they will not work with me because I have too much credit out currently, even with a cosigner. I feel trapped and scared and horrified and I do n't know what to do. Do you have any advice?

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/16/2017 about Mortgage (Conventional home mortgage) with GUARANTEED RATE INC. (IL).
Issue: Trouble during payment process

Complaint: Guaranteed rate, mortgage servicers on XXXX acquired loan, sent notice of change in servicers one week before loan payment was due. During the servicer change, the banks had n't switched over payment information and even gave the new servicering company XXXX XXXX XXXX ) an incorrect address on my account. Now the new servicers will not accept my payments nor will it allow me any information about the account until I visit branch and provide an ID, which I 'm not close to.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2015 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (LA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: i acquired the debt in a divorce and filed bankruptcy chapter XXXX.the debt is from 2009 and in the state of Louisiana statue of limitations is 3 years which makes this a time-barred debt.XXXX did n't send in a claim to the u.s. bankruptcy courts and has filed a suite against my ex.i have read up on certain laws and found that they have violated the fdcpa by attempting to sue for a time-barred debt as well as not complying to the Louisiana statue of limitations and have put them selves in contempt of court as pursuant to the u.s. bankruptcy automatic stay.

Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (NJ).
Issue: Account opening, closing, or management

Complaint: WellsFargo closed my Personal and Business account without a notice or a warning. 
I went to a branch to withdraw some cash and the teller informed me that both my accounts ( Business & Personal ) have been closed by WellsFargo. 

I called WellFargo Risk management more than 10 times to get information about my account closure, they could not give me a proper answer. 

The Risk management called me days after my account closure, said they will hold the funds in my account for a couple of weeks, then send me a cheque for the remaining balance. 

My business is legit, registered, licensed and comply with XXXX programs.

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 12-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XXXX Account XXXX, Acct # XXXX amount XXXX XXXX/XXXX/2013

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 09-04-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (WI).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Fedloan performed a processing error ( regarding submission of my income for determining payment amount ) in XX/XX/XXXXand I have been working to get it resolved since that time. After numerous calls to Fedloan without resolution of the issue, I submitted a complaint to the CFPB on XX/XX/XXXX. I received a response from FedLoan on XX/XX/XXXX which acknowledged their error and reported a reversal of the interest capitalization would be reflected on my account within 60 days. Now 87 days have passed ( including 60 business days ) and there has been no reversal of the interest capitalization on my account. I called Fedloan and they are unable to tell me when the interest capitalization will be reversed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-08-2017 about Debt collection (I do not know) with NCB MANAGEMENT SERVICES INC (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: In submitted a written request for debt validation, on XX/XX/XXXX, to NCB Management Services. This letter was sent certified mail and was delivered and signed for, on XX/XX/XXXX. Under Texas Finance Code Section 392.202, NCB was to provide information that this debt was owed by me, how they calculated the amount owed, and that they were licensed to collect debt, in the state of Texas. According to that statute, if the debt was not validated within 30 days, NCB must cease all collection efforts and send notices to me and all credit reporting agencies that this account should be removed. I waited almost 45 days, without one word of response from the collection agency. On XX/XX/XXXX, I sent another certified letter, which was delivered, as of XX/XX/XXXX. Yesterday, I received a letter from NCB Management Services that I did not provide sufficient information, for their investigation. If memory serves me correctly, I requested for them to validate the debt that they claim is mine. I was asking them for information, which they did not provide. I sent copies of the original letter and the certified receipt, which they did not speak to or address. How can they get away with not doing their jobs? This place is putting stuff on my report that they ca n't even prove is mine. It 's not fair. I 'm trying to follow the proper channels, but this is frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I have been going through foreclosure hearings this year, and it was decided XX/XX/XXXX that the sale date would be XX/XX/XXXX. I was offered a short sale on the property XX/XX/XXXX, and SPS day on their hands, and did nothing up until a few days before the sake date, then it was extended until XX/XX/XXXX, however SPS decided to deny the short sale because of the original sale date. Thus company does n't care what they do to consumers. 4 months of sit ting on a short sale offer, only to deny it because of their own laziness.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2017 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (TX).
Issue: Credit decision / Underwriting

Complaint: Mortgage refinance process is now 8-1/2 months into the loan process ; was told by loan officer it would take 2 months. I have been told I have had clear to closes on at least 3 different occasions during the timeline, yet internal issues/delays with the lender has caused them to push the process back repeatedly.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Struggling to pay mortgage

Complaint: My mortgage company has broke an important promise, they put me in a forbearance plan for 4 months to pay a lesser amount of mortgage payment and that the rest of the money was going to be placed behind the loan and at the end of the forbearance plan i will automatically start making the regular payments, now they want to foreclose my home unless i pay {$9500.00}. this was all due to a hurricane disaster program recommendation by the mortgage company servicing my loan. sincerely yours truly XXXX XXXX. 

PLEASE HELP US SAVE OUR HOME!!

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2016 about Debt collection (Credit card) with Miller, Stark, Klein and Associates (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: In XXXX of 2014, I paid off an old credit card bill from XXXX that had gone to collections. I received a letter from the collection agency that confirmed the " paid in full '' and that I would no longer owed any money to XXXX and had been released from further attempts to collect. Since the beginning of this year I have received multiple calls from different collections agencies still trying to collect on the same account I already paid. Some have even threatened legal action and states they are going to serve me with court paperwork to take me to court over the XXXX debt. I send them the letter indicating that I already paid it and that I no longer owe on the account. Then the next month, ill still receive call from another company trying to collect on it.

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