milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: In XX/XX/XXXX - during a mortgage refinancing effort - I discovered on my credit report an unpaid claim of {$490.00} for a medical debt reported by XXXX XXXX XXXX. No attempts to collect this debt were sent to me at my address ( since XX/XX/XXXX ) so I had no knowledge of this claim. After following up with the debt collector, it was determined that it was from a doctor XXXX XXXX from XXXX XXXX XXXX, associated with the XXXX XXXX Hospital of XXXX for a visit on XX/XX/XXXX. I did not see any doctors at this practice at this time and was able to determine that this doctor was n't associated with this practice. The hospital could provide no more information on this charge. I disputed this with all three credit bureaus and they determined this to be fraudulent and removed it from my credit report. I just now ( XX/XX/XXXX ) discovered that the same charge appeared back on the Experian and XXXX credit reports under a NEW claim number. When I called the credit bureaus they said they did not reject this claim because it was under a NEW claim number so it APPEARED TO THEM AS A NEW DEBT COLLECTION ISSUE. I am presently disputing the charge again. I also called the debt collection agency - XXXX XXXX XXXX - to resolve this issue. The person who took my call, refused to acknowledge that this claim had been resolved as fraud and refused to acknowledge that it had been submitted under a new claim number. They did tell me the detail of the reported debt ( XXXX XXXX, XXXX XXXX, {$490.00} ) which then confirmed that it was, in fact, the same fraudulent debt that was disputed in XX/XX/XXXX. The only available option to me was for Experian and XXXX to start another 30-day dispute process. This is unacceptable that the credit agency is unable to identify this charge as the same JUST BECAUSE IT HAS A NEW NUMBER. This should be suspicious and this should be removed immediately while they investigate and only added later if they determined this to be true. This is DIFFERENT from normal disputes because it has the characteristics that show it is the same charge. I was able to determine this by making a quick call to the collection agency. Experian and XXXX should be able to do the same service for a consumer - they agreed with me on the phone that it looked fraudulent and said it was the new number that was the problem. By not addressing this quickly, they allow this scam to occur and this likely has a XXXX-XXXX point decrease on my credit score. I am attempting to close a mortgage in 45 days. Experian and XXXX does not have proper fraud detection measures in place to protect consumers.

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

Complaint: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward, Equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (MO).
Issue: Struggling to pay mortgage

Complaint: To whom it  may  I  XXXX   XXXX  am a customer with Ocwen Loan Servicing LLC. I was approved for a modification  Loan over two  years ago. I got approved for a new modification with the same loan in   XXXX   XXXX  . My first payment was due in   XXXX   XXXX    The payment was made in   XXXX   XXXX  .When it came time to make the  XXXX  payment  Ocwen  would not expect my payment because they said my dates were wrong on application but the modification had been approved in   XXXX   XXXX   Ocwen and I have been having monthly call trying to get all the information that is necessary but I am getting the run around. Now my home is in danger of being foreclosed on   XXXX   XXXX  ..

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2017 about Mortgage (VA mortgage) with Shellpoint Partners, LLC (DE).
Issue: Struggling to pay mortgage

Complaint: Payments have been made every month, but Shellpoint Mortgage Servicing has continually claimed it was not paid. It has been months of dealing with this issue and they always ask for bank statement proof that it was paid. It has been emailed over numerous times and they send a confirmation email and then later say that they never received the email. They now say we owe three months when we have made every payment except for the one due in XXXX ( it wo n't allow us to pay just one month, it 's requiring us to make two that we have already paid ). They have given us the runaround for months and have now added an additional " missed payment '' and destroyed our credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2016 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: APR or interest rate

Complaint: I have several credit cards through J P Morgan Chase. I have had to carry a balance on these cards because of emergencies and various other expenses. I have a perfect payment record for over ten years! I recently called this bank to ask for a lower interest rate ( now at XXXX % ) and this terrible institution refused after a half hour on the phone. Is this agency doing anything about this legalized loan sharking? Why are these criminal interest rates allowed to stand? Credit card reform is almost meaningless without attacking these high rates. Again, I have a perfect payment record for over a decade- no late fees, no missed payments. Please advise. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Closing/Cancelling account

Complaint: Bank of America closed my credit card account with notice, immediately after I paid off the balance on the card with the intention of using the card for new purchases. 

A credit card holder should be able to reasonably rely upon access to their line of credit. If the bank can just close the account without notice, the card holder could be put at risk, e.g. if the cardholder is traveling or if there is an emergency. A bank should give reasonable notice to the cardholder before closing an account, in view of the fact that closing an account can create a serious hardship for a cardholder, even placing the cardholder in physical jeopardy, e.g. if the cardholder is traveling without access to other funds. 

Moreover, my account was closed shortly after I paid off the balance on the account, because I wanted to free up the available credit for new purchases. The timing of the account closure is suspicious and suggests that Bank of America waited for me to pay off the account before closing the account. In other words, the timing suggests that the account was flagged for closure because the balance had been paid off. Obviously, this kind of closure tactic maximizes the risk of financial hardship, because people often pay off credit cards with the intention of then using the freed up credit. 

Finally, this account closure tactic has an additional harm beyond placing the cardholder at risk of hardship -- it also harms the cardholder 's credit score. If banks close accounts because credit scores are low, this has a snowball effect, because the closures worsen the credit scores, perhaps leading to further account closures, and further worsening of credit scores. This enhances the need for reasonable notice and process before account closure.

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 12/30/2016 about Debt collection (Medical) with I.C. System, Inc. (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Recently while conducting a monitor of my credit report I discovered that items were furnished that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware there is a debt from but I am unaware of the amount due and your bill does not include a breakdown of any fees. Additionally, I am allowed under the XXXX law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 XXXX, to protect my privacy and medical records from any third parties. I do not recall giving permission to release my medical information to a third-party. I am aware that HIPPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is two-fold and as follows, Validation of Debt, and XXXX authorization. 
1. Please provide breakdown of fees including any collection costs and medical charges 2. Provide a copy of my signature with the provider of service to release my medical information to you. 
3. Cease any credit bureau reporting until debt has been validated by me. 
4. Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA. Please note that falsification of the information you received from any medical provider can be perceived as a XXXX compliance violation as well as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. 
XXXX. ACCT NO. XXXX - BALANCE {$760.00} XXXX. ACCT NO. XXXX - BALANCE {$780.00} XXXX. ACCT NO. 898205 - BALANCE {$1000.00}

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 02/23/2018 about Credit card or prepaid card (Store credit card) with TD BANK US HOLDING COMPANY (CA).
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint: On XX/XX/ I wrote a letter to XXXX  explaining the financial hardship I'm going through due to loss of a family member and helping with funeral cost. I asked them to accept a reduced payment for the next 2 months on my debt starting XX/XX/XXXX.I stated that I was not able to meet the current payment of {$160.00}. I will pay you {$50.00} per month during this emergency starting in XXXX. And I also asked if they could not send my account into collections and stop interest. The company has responded but did not state that they would assist me during my financial hardship

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

Complaint: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have been a VICTIM of inquiry issue. Multiple hard inquiries on my report that I do not recognize from, I have written to the creditors and credit bureaus asking to investigate these unauthorized inquiries on XXXX XXXX, 2017. The response I received is attached below.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2017 about Mortgage (Conventional home mortgage) with SUNTRUST BANKS, INC. (GA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: In 2016 I purchased a property that we closed on in XXXX. I started the application process in XXXX with several different lenders while I was exploring options. It is my understanding that hard credit inquiries were to be grouped together if they were related to one event. So instead of my report reflecting one inquiry, it has seven separate inquiries which negatively affects my credit score. Would you please review the inquiries and group them so that they are correctly identified and related to this one financing event. 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 11-10-2016 about Debt collection (Payday loan) with Midwest Recovery Systems (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I got a ding on my credit report from the XXXX bureaus of a debt collection from Midwest Recovery Systems. I do not know the company and I did not get any notice before they put a collection on my credit report. I do not do payday loan.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: On XX/XX/XXXX, I was informed by my credit card company XXXX XXXX XXXX that someone has been using or attempting to open credit card accounts using my name, date of birth and social security number without my permission. The suspect has already opened several credit card accounts and committed the crime of theft in XXXX California. The suspect stole my identity by using my name, social security number and date of birth to commit theft and avoided payments and capture from the law. I reported the incident to the XXXX credit card bureaus such as XXXX, XXXX and Experian. I had to place a security freeze and a fraud alert in order to prevent the suspect from opening further credit card accounts without my permission. I had to dispute numerous fraudulent charges against me committed by the suspect in XXXX California. I filed a XXXX XXXX Police report on XX/XX/XXXX and gave copies to some merchants or credit card companies along with my driver license and personal information in order to prove my real identity. I also gave the police report to Experian and other personal information in order to place a 7-Year Fraud Alert and Security Freeze. Experian refused to assist me and refused to place a 7-Year Fraud Alert based on my request. I requested Experian for the XXXX Fraud Alert because I do NOT want the suspect to steal my identity for the next 7 years and continue the crime of theft. Experian refused to assist me and ask for more personal documents. I already sent Experian the copy of my driver license, my social security card, my DMV bill and property tax bill verifying my true identity. Experian refused to assist my request. I would like Experian to be fully investigated and would like to know why it still requesting more personal documents. I need help and Experian refused to assist me after I reported being a victim of identity theft. I disputed the fraudulent charges against me because I never lived in XXXX California. The suspect committed these crimes of theft in XXXX California and provided a false or fake southern California address in XXXX, California. I ONLY live in XXXX XXXX since XX/XX/XXXX and NEVER in XXXX California such as XXXX, California.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/27/2017 about Debt collection (Medical debt) with HCFS Health Care Financial Services, Inc. (LA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Upon reviewing my credit report i noticed TWO DUPLICATE accounts that is listed under MEDICAL. Under hippa my medical information is protected. This same account is being sold time after time. I feel violated in the worse way possible. Where 's the medical release form? Why does a third party collection agency have my information? XXXX XXXX XXXX needs to IMMEDIATELY furnish me with a medical release form or remove these accounts. I take my privacy and my rights serious. I will also be filing a lawsuit against the original creditor that sold this debt.

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 10-03-2017 about Mortgage (Conventional home mortgage) with BOK FINANCIAL CORP (MD).
Issue: Closing on a mortgage

Complaint: My closing is scheduled for XXXX XXXX and my loan originator XXXX XXXX XXXX at Bank of Texas XXXX : XXXX, Cell : XXXX XXXXXXXXXXXX XXXX sending me documents to review with in minutes notice and keeps pressuring me to sign and acknowledge the documents without explaining what I am signing. We have asked in numerous occasions for her to take time to explain the documents but she is just interested in getting the documents signed. Last night she called us and asked us to wire XXXX to the title company XXXX before closing and did n't explain why we need to do that. I refused. I feel pressured in signing the documents she is sending and not explaining because if I do n't my closing might delay, my seller might change their mind and worst case scenario I will loose my XXXX money.

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2017 about Debt collection (Auto debt) with Gurstel Law Firm, P.C. (AZ).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have been paying my debt with Gurstel Law Firm XXXX consistently and going by my calculation I have paid more than {$5000.00}. However, whenever I call Gurstel Law Firm XXXX to give me the breakdown of what Im paying off they refuse to do that. I would like to know what Im paying off such as attorney fees court fees, and how much is paid toward the balance. 
I believe Im being charged frivolous charges thus why the company refuses to give me the breakdown of the balance. I have contacted the company for many months and they keep telling me that they can only send me the total balance without the breakdown. 
Attached I the letter they have send to me every time have called but it doesnt help me without knowing the breakdown for fees and changes they are charging me. Please help me regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2018 about Debt collection (Auto debt) with VELO LAW OFFICE (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: XX/XX/XXXX debt collector tried to claim I owed over {$3000.00} when the debt was {$1700.00}. Refused to accept payment plan and/or tax return despite ( his ) lawyer saying ok to it. 
XX/XX/XXXX debt paid in full XX/XX/XXXX-XX/XX/XXXX more debt added to accound despite being paid in full. Also paid new amount in full. 
XX/XX/XXXX funds siezed from bank despite account being paid in full. 
To date no letter stating debt was paid has been recieved dispite state law requiring one within 21 days, and they will not return additional funds siezed above amount due and paid in full.

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 12-07-2017 about Credit card or prepaid card (Store credit card) with CAPITAL ONE FINANCIAL CORPORATION (MI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XXXX XXXX, 2017 I received an email from XXXX XXXX  about a new hard inquiry on my credit report. The inquiry was for a card from a store called XXXX XXXX. Attempted an email but no return as of this message.

Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: I have sent TransUnion,   XXXX   and  XXXX  each a letter stating my current most updated personal information and that all other information is not accurate. In return either non of the information is updated or partial of the information is updated and other random information such as my social security number was deleted.      XXXX / XXXX /   17  Mailed Address, Name , Work, Phone Number Information update. As of Mid   XXXX , only partial information was updated but old information was still being reported.   XXXX    XXXX 17  mailed another letter to transunion and  XXXX  for all personal info to be updated.

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 08/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Enclosed evidence of errors in Credit report. Wrong information regarding XXXX XXXX XXXX report, per enclosed 4 pages of evidence ; 1 ) XXXX XXXX action following a late payment dispute, was to refund to my husband and l, 100 % ONE HUNDRED PERCENT, of all late charges, XXXX refunded to us over {$4900.00}. 2 ) At no time during this dispute did XXXX XXXX apply late charges in 2016. 3 ) XXXX actions prove the dispute existed .At that XXXX were guilty of wrongful actions against their customers, which is part of the public record. . 4 ) The Credit Agency, in wrongfully showing late charges that were refunded to us, seriously harms us. We cant get a new mortgage, which is depleting our savings. Current cost to us is very substantial, over XXXX And growing by the day. 5 ) In refusing to alter the record, the Credit Agency unfairly negates our right to dispute XXXX XXXX XXXX XXXX unfair actions.

Company response to consumer: Closed with explanation