milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-08-2016 about Debt collection (Medical) with Revenue Recovery Corporation (TN).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me instead of my attorney

Complaint: I was involved in a motor vehicle accident. I went to the emergency room for treatment and gave my insurance details. I had health insurance. Instead of billing the insurance company the hospital sent me the bills. I repeated told them to bill my insurance company. After few months I hired a lawyer. My lawyer called the hospital to bill my insurance company. Despite my and lawyers repeated calls to bill my health insurance the hospital sent it to collection company. I do not remember receiving any call from them. I found out about the collection debt when I applied for a home equity loan. The emergency doctor who treated me in the emergency room billed my insurance company and he got paid. This is an unfair, aggressive and illegal debt collection practice. The hospital is XXXX Medical center in XXXX XXXX TN

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 05/17/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (TN).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen has reported my mortgage two months behind to XXXX or more of the credit bureaus. The result, is I was denied the opportunity to open up a credit card account with XXXX more companies. 

My mortgage was recently modified, and I made all of the payments required. Ocwen repeatedly violates the Fair Reporting Act by erroneously reporting late payments when in fact during the process of a modification payments are placed on hold. These continuous violations create a financial hardship on me and I need them to be corrected immediately to avoid any further harm.

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2015 about Mortgage (FHA mortgage) with PENNYMAC LOAN SERVICES, LLC. (AR).
Issue: Loan servicing, payments, escrow account

Complaint: MY MORTGAGE WAS JUST SOLD/TAKEN OVER BY PENNYMAC LOANS XX/XX/XXXX. I HAVE HAD NOTHING BUT ISSUES WITH THEM SINCE THEN. NOT ONLY HAVE THEY DECIDED THAT MY ESCROW ACCOUNT NEEDS MORE MONEY AND RAISED MY PAYMENT, BUT NOW THEY HAVE NOT PAID MY HOMEOWNERS INSURANCE PREMIUM. SUPPOSEDLY THE CHECK " GOT LOST IN THE MAIL ''. MY INSURANCE COMPANY HAS CONTACTED THEM ATLEAST TWICE A WEEK FOR 3 WEEKS, WITHOUT SUCCESS. NOW POLICY IS SET TO CANCEL IF THE PAYMENT IS NOT RECEIVED BY TOMORROW. MY INSURANCE COMPANY REP GOT ME INVOLVED TODAY, AND AFTER MULTIPLE CALLS, PENNYMAC THINKS THAT THEY CAN SUPPOSEDLY GET ANOTHER CHECK OUT BY MON OR TUES .... SEVERAL DAYS AFTER MY INSURANCE POLICY CANCELS. THEY EVEN SUGGESTED THAT I JUST PAY MY PREMIUM, THEN I CAN GET A REFUND FROM MY INSURANCE AFTER THEY FINALLY PAY.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2017 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: Information belongs to someone else

Complaint: XXXX XXXX XXXX X/2016 Not my account Fraud account identity theft

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. (OR).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On X/X/2017 I discovered the Equifax breech and found their response to the situation both disturbing and lacking. After initially confirming they had not secured my data and I was the victim of the breach, I refused to accept binding arbitration and continue with their 1 year of free credit monitoring. This is unacceptable, lackluster, and disgusting at best.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2015 about Debt collection (I do not know) with HCFS Health Care Financial Services, Inc. (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I found an entry on my credit report from ARS, a collection agency. I disputed with the credit bureaus and recently requested a validation of debt. The letter I received in the mail as validation of debt is not adequate as it does not give a place of service, service provided, or who the service was given to. It only has a date of service and an amount. I do not believe this account belongs to me and they have failed to prove that it does.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (TX).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: Been trying to Transfer information from JPMORGAN CHASE XXXX TO CHASE BANK. BEEN IN CONTACT WITH THE BRANCH. JPMORGAN XXXX XXXX XXXX WITH CODE AND INFORMATION ABOUT THIS SITUATION WITH CHASE XXXX TX. 
. OPEN ED A ACCOUNT WITH MONEY OR DER WITH IT TOO A COUPLE DAYS AGO. CLEARED FOR MY FUNDS, BUT PRIVATE BANK EMPLOYEE DE NED THE RE FUNDS TO PAY FOR THE A ACCOUNT PLUS CANCEL LED MY ACCOUNT WITH OUT AUTHORIZATION FROM ME. I RECIEVEED THE CODE OF CONDUCT WHITE IS NOT HONORED AND I FIL. TODAY I WENT BY TO TALK AND COLLECT MY FUNDS SPOKE WITH FINANCIAL SERVICES -WAS RUDE NO COMMUNCATION OR CUSTOMER SERVICE SPOKE WITH PRIVATE CLIENT EMPLOYEE -RUDE DE NED MY REFUND FROM JPMORGAN CHASE AND CANCEL LED MY ACCOUNT WITH OUT AUTHORIZATION FROM ME SOMETHING NEEDS TO BE DO NE ABOUT THE SITUATION. THE NEED TO IN DER THAT I - WE ARE UNITED STATES CITIZEN. SO I RETURN TO THE BRANCH AND THE WALKED A WAY. CODE OF CONDUCT HAS TO MFAN SOMETHING??

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: Equifax I have filed disputes sent Reg Mail and have yet in 6 months time after time to get any information removed or a credit report. have filed several complaints about disputes wrong information. Equifax does not respond nor return any disputes filed. 
Equifax has a lot of wrong information on file that I have proof to back up what Equifax has on file.

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2015 about Credit reporting () with EQUIFAX, INC. (OK).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: The date opened and when the account for the original creditor ( XXXX ) went past due as reported by XXXX XXXX on my report needs to be corrected. They are reporting an open date of XXXX/XXXX/XXXX, which is incorrect. The records I have been able to find show the account possibly should show dates from XX/XX/XXXX or XX/XX/XXXX. 
I submitted a request through you to XXXX who has responded to me they completed their investigation and gave the result that the item was corrected/deleted. I can provide a copy of the letter dated XX/XX/XXXX from them if needed. 
Any help getting the correct dates for this debt corrected is appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/20/2015 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (FL).
Issue: Account opening, closing, or management

Complaint: I paid {$75.00} annual fee on my checking account with Suntrust. This fee was paid for account benefits that include XXXX XXXX XXXX reward for each {$1.00} spent. However, they changed rules in XXXX 2015 and now XXXX XXXX XXXX reward will be rewarded for each {$2.00} spent and they also limited the maximum award to XXXX miles per month which makes this checking account absolutely useless for me. I paid {$75.00} for the full year of advertised benefit and I am not getting it anymore so I believe that bank must refund me my annual fee for this year.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 04/15/2015 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX XXXX XXXX, XXXX - Address : XXXX XXXX XXXX XXXX, MI XXXX was sent by XXXX XXXX to collect a measly debt from me which was really unauthorized in the XXXX. I agreed to their offer to pay {$34.00} and then they went and put it on my credit report costing me an extra quarter point on my home mortgage. They offered the settlement. I would never have agreed had I known they would do this. At this point I 'd be willing to pay the bill in full if they will remove the negative report. My other option is to go to small claims court.

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2015 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have disputed with Equifax on several occasions advising that they have deleted my payment history for an account from 2007 for XXXX XXXX. I 've also contacted the creditor but was advised that I needed to contact the credit bureau as the creditor has reported the information correctly. I have check with the other major credit bureaus and they are still reporting the payment history for this account. Equifax is the only XXXX not reporting the payment history which is affecting my credit score. This is also happening on a plains credit account and cortrust. The history has disappeared.

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2015 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (KY).
Issue: Loan servicing, payments, escrow account

Complaint: SLS ( Specialized Loan Servicing , LLC ) will not send monthly statements, their web site is always down and the folks there are very rude, I believe I 'm being charged too much on my mortgage interest. They pay our state property tax late even though I send it early costing me more, we get no monthly payment, or payment booklet statements what so ever on any thing except at the end of the year for Federal tax purpose, there is a web site with XXXX of complaints on this company, someone needs to look into their in my opinion illegal practices..

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NH).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: XXXX XXXX has reported to credit bureaus I was late more than XXXX date in XXXX and XXXX. And that is incorrect. I called and was told I can not speak to a dispute rep. And the supervisor seems it valid. Even though I made the payments. The XXXX month I was late was XXXX and thats not reported. Ive attached payments for both XXXX and XXXX shown less than 30 days in the billing period

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2015 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (NC).
Issue: Credit decision / Underwriting

Complaint: In XX/XX/XXXX my wife lost her job and we applied for a HAMP modification for our XXXX loan with Citi Mortgage. After a long and painful process, where documents were continually " lost '' by Citi, we were told to start making lower, " trial '' payments on our home loan. After successfully completing the trial payment series, we were denied a HAMP modification due to our income and/or assets. We had to repay the entire amount due resulting from the trial payments. 

We continued to communicate with Citi Mortgage on this matter for the next two years. We received denial after denial and suggestions that we should submit to foreclosure. Even though we were in much better financial shape, Citi finally agreed to modify our loan after another successful series of " trial '' payments in XX/XX/XXXX. The modification extended the term of the loan from 30 to 40 years and reset the interest rate to the then current market rate for mortgage loans. There was no forgiveness of principal. 

However, unlike with the HAMP application two years earlier, our credit report began to show " missed payments '' corresponding to the required " trial payment '' schedule. We are now completely recovered financially and our credit scores range from XXXX to XXXX. We would like to refinance our mortgage to a 15 year term and take advantage of still low current rates. But despite our high credit scores, those " missed payments '' still appear on the report. Based on the negative credit, lenders will not allow us to refinance. 

This whole mess started in XX/XX/XXXX. If we could get the credit hit moved back to XX/XX/XXXX, they would come off our credit report next year. As it is, it will be XX/XX/XXXX before we can refinance. We only did what Citi told us to do. We made payments in the amounts and on the time frame they required. I have contacted the credit bureaus and they refuse to help. 

Is there any way we can get our credit report to more accurately reflect what really happened with Citi Mortgage?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: I was robbed at XXXX XXXX and XXXX XXXX they took my cards id and phone and passcodes and Bank of America rebilled me saying no fraud which is XXXX Im going public with this

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 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OR).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax was hacked and I believe someone stole my information. Have n't looked on their website because if I do I waive my right to sue them.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2015 about Credit reporting () with Experian Information Solutions Inc. (MS).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Public information should be deleted.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2016 about Debt collection (I do not know) with National Credit Adjusters, LLC (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have been dealing with National Credit Adjusters, regarding ACT # XXXX. I have told them this is not my debt and requested a validation letter in writing 3 times and all they send are bills. I have disputed it with all XXXX credit agency 's and they refuse to remove it. I 'm desperate and do not want to pay a debt that is not mine and it would still be on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2015 about Debt collection (Medical) with Financial Corporation of America (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: In XXXX 2009 my personal information was compromised when my car was broken into and my handbag stolen. Since XXXX 2009 a series of accounts have been opened using my personal information this has caused my once great credit to plummet to zero. Over the past 18 months I have had creditors collections agents harass me for balance owed to accounts that I know nothing about and my credit is non-existent and my hopes of purchasing a home is in jeopardy because of I am a victim of Identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2015 about Credit reporting () with Experian Information Solutions Inc. (LA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: The credit reporting agency continues to report a balance on an account that is paid. They continue to verify this balance as accurate although it is not. They will not provide a method of verification. 

XXXX XXXX XXXX # XXXX XXXX , LA XXXX ( XXXX ) XXXXDate Opened : XXXX/XXXX/XXXXResponsibility : Individual AccountAccount Type : Installment AccountLoan Type : XXXX XXXXBalance : $ XXXXDate Updated : XXXX/XXXX/XXXXPayment Received : $ XXXXLast PaymentMade:XXXX/XXXX/XXXXHigh Balance : $ XXXXXXXXPast Due : & gt ; {$100.00} & lt ; Pay Status : & gt ; Charged Off & lt ; Terms : {$92.00} per month, paidMonthly for 16monthsDate Closed : XX/XX/XXXX & gt ; Maximum Delinquency of 120 days inXXXX/XXXX and in XX/XX/XXXX & lt ; Remarks : & gt ; UNPAID BALANCE CHARGED OFF & lt ; Estimated month and year that this item will be removed : XXXXXXXXRating N/R XXXX C/O XXXX C/OXXXXXXXXXXXXRating XXXXXXXXRating XXXXRating OK OK XXXX OK OK XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/28/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Source Receivables Management LLC (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I discovered this collection account after it was already sent to collections. I never received an initial letter of my right to dispute. I immediately faxed a dispute letter to the creditor and they have not contacted me and continue to report on my credit. I have no knowledge of this account and request proof of the following : ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in California ; ( 5 ) Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. 
( 6 ) Please provide a complete account history, including any charges added for collection activity. 
( 7 ) What is your authorization of law for your collection of this alleged debt? 
( 8 ) Please evidence your authorization to do business or operate in this state. 

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 04-05-2015 about Mortgage (Home equity loan or line of credit) with JPMORGAN CHASE & CO. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: There was a court order payment of {$260.00} to be split between my ex husband and me. I have maintained a regular payment of XXXX to the mortgage lender, chase bank. However, my ex has not fulfilled his part of the payment but chase continues to report it as a negative or delinquent account on my part. This is taking an XXXX on me as a single mom with XXXX boys. I ' like the negative reports be removed and the previous negatives corrected as a true reflection. I 'm afraid this will affect my ability to secureany future loans on some reasonable terms.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2016 about Bank account or service (Other bank product/service) with RABOBANK, NATIONAL ASSOCIATION (CA).
Issue: Account opening, closing, or management

Complaint: XXXX XXXX OR XXXX ' XXXX, XXXX ( SON ), OPENED A RABOBANK N.A., XXXX XXXX, CA., ACCOUNT # XXXX, ON XXXX XXXX XXXX FOR HIS FATHER XXXX XXXX XXXX ' XXXX ( VICTIM ), [ ACCT. SSN/TIN XXXX. ] ; XXXX, PARTNER IN A 'FAMILY CONSTRUCTION BUSINESS : XXXX XXXX XXXX & XXXX '. THE SON WAS AN 'AUTHORIZED SIGNER ' ON VICTIM 'S ACCOUNT. JUST PRIOR TO THE SON PASSING ON XXXX/XXXX/XXXX, VICTIM THOUGHT THE SON 'S WIFE [ XXXX XXXX XXXX. ] ( SUBJECT ), TRICKED VICTIM INTO BELIEVING SHE WAS ADDED TO HIS ACCOUNT AS A 'TEMPORARY AUTHORIZED SIGNER ' TO MAKE THE CURRENT AND SUBSEQUENT MONTHS PAYROLL & INVOICES [ UNTIL SHE LEARNED THE ACCOUNTING PROCESS AT ANOTHER BANK OWNED BY THE SON. ]. IN FACT [ SUBJECT ADMITTED TO FORGING VICTIM 'S NAME SEVERAL TIMES. ], SUBJECT OPENED A NEW RABOBANK XXXX ACCOUNT # XXXX, ON XXXX/XXXX/XXXX - BY IDENTITY THEFT : NAMING HERSELF AS 'OWNER ' OF THE NEW ACCOUNT AND VICTIM AS AN 'AUTHORIZED SIGNER ' ; USING, VICTIMS SSN/TIN XXXX, AS THE NEW ACCOUNT TIN. WHILE SUBJECT DID MAKE PAYROLL ; SHE, WITHDREW {$70000.00} ON XXXX/XXXX/XXXX FROM THE XXXX ACCOUNT ; AND, {$61000.00} FROM THE XXXX ACCOUNT [ KEEP IN MIND, VICTIM WAS XXXX YEARS-AGED AND AT THE HOSPITAL AWAITING HIS SON 'S DEMISE. ]. SUBJECT, THEN WITHDREW {$31000.00} ON XXXX/XXXX/XXXX AND CLOSED THE ACCOUNT. THE BANK NEVER NOTIFIED VICTIM THAT HIS ACCOUNT HAD BEEN TAKEN OVER BY SUBJECT ; AND, HAD VICTIM SIGN A SIGNATURE CARD ON XXXX/XXXX/XXXX ; LEADING VICTIM TO BELIEVE SUBJECT WAS 'TEMPORARILY ' PUT ON HIS ACCOUNT AS AN 'AUTHORIZED SIGNER ' TO MAKE PAYROLL. FURTHER, SUBPOENAED BANK RECORD AFFIDAVIT DOES NOT SHOW SUBJECT AS THE OWNER OF ACCOUNT XXXX ; AND, THE BANK WANTONLY FAILED TO NOTIFY ADULT PROTECTIVE SERVICES [ AS MANDATED. ] OF REASONABLY SUSPECTED ELDER FINANCIAL ABUSE. UPON SEEKING REIMBURSEMENT, THE BANK HAS ASSERTED THE STATUTE OF LIMITATIONS. WE WOULD LIKE TO KNOW IF THE BANK HAS INSURANCE UPON WHICH A CLAIM CAN BE MADE. THE ONLY OTHER WAY TO OBTAIN VICTIM 'S MONEY IS BY AN EQUITABLE SUIT BROUGHT BY THE GOVERNMENT TO PROTECT A RIGHT [ AND SINCE VICTIM REPRESENTS AN ELDER CLASS NOT PROTECTED BY THE STATE - A PUBLIC RIGHT. ] ; AN, ACTION AS A PRIVATE ATTORNEY GENERAL IS NEEDED AS THE STATUTE OF LIMITATIONS OR DOCTRINE OF LATCHES DO NOT APPLY UNDER SUCH SUITS. CAN YOU REPRESENT OR HELP XXXX XXXX, NOW AGED XXXX RECOVER HIS LIFE 'S SAVINGS. I PRAY YOU CAN HELP CR. 

XXXX XXXX, ADVOCATE FOR XXXX XXXX XXXX, XXXX XXXX DETECTIVE AGENCY CA STATE LIC. NO. XXXX XXXX XXXXXXXXXXXX XXXX XXXX

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