milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-05-2017 about Debt collection (Medical) with HCFS Health Care Financial Services, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Debtor ARS-Account Resolution Service : Receipt of written notification of the debt had a date of XXXX/XXXX/2015. I called, plus submitted written requests for validation of debt on XXXX different occasion. These requests were not honor, due to either they were unable or unwilling to provide all necessary documents to support their claim. Due to their noncompliance of honoring my written request for sufficient supporting documentation, I could only assume that my records were correct and that this debt was already paid in full as my records indicated. I then proceed to mail and file a dispute with the XXXX major creditor bureaus regarding this issue. The credit bureaus did removed this debt from my credit reports at XXXX point, but ARS has now put the debt back onto my credit reports. I called XXXX today, XXXX regarding that the debt is back on my credit report once again, which they are re-filing the dispute again. XXXX had already placed in the comments, that I had disputed this debt. But it appears that they, ARS, are continiunally updating it monthly as not paid. In the mean time, there has not been any written correspondence and/or communication from them to me regarding this debt. But they have placed this unfounded debt back on my credit report. This appears, in my opinion, to be a form of stealth harassement and stalking, for if it was not for me checking my credit reports, I would not be aware that this debt had been placed on my reports. It is causing a financial hardship by the lowering of my credit score which would hinge me from getting a competetive interest rate on any type of a future loan. Please find previously correspondence attached. Any assistance you are able to provide in resolving this matter is most greatly appreciated. Again 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 04-10-2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (IL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I called XXXX XXXX for XXXX XXXX in regards to a past due amount showing on my statement. this is incorrect I have all my payments made on time. so I have disputed this issue 4 times with the company and they said everything will be resolved and still showing on my statement. so today XXXX-XXXX-18 I call spoke with XXXX XXXX supervisor and still stating I owe double the amount for I have paid before due date and it will not reflect on my statement as payment made for the current month. It only reflects as an additional payment, that is what I was disputing that customer service had stated this would be fixed since It was the first time this happened and not aware that if I make my payments before due date they will not sure for the current month. so I said I did not owe what the balance says past due. I am current with my payments and they still did not resolve my issue, I even have a letter about the situation stating they resolved it. so I suggest for other customers to know about the issue so that it won't happen to them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (MS).
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint: Back in XX/XX/XXXX I gave my XX/XX/XXXX XXXX XXXX back to Santander consumer now XX/XX/XXXX the charge it off n sent me a bill for {$4000.00} basically now they is still reporting to all three bureau that Im late on payment how can u be late on something was charge off in XX/XX/XXXX now all XX/XX/XXXX-XX/XX/XXXX they been report as late payment how can they keep doing this is all i want to know

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2017 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: The reason for my complaint against Bank of America is because I have a corporate card with my business XXXX XXXX XXXX Tax ID XXXX. This card was used fraudulently for multiple purchases. I reported the fraud as soon as i was made aware and spoke to a representative i believe it was sometime in XXXX. I explained to the representative the the phone number on file XXXX was no longer a valid number for me so i did not receive any type of communication in reference to the usage to this account. I also requested for the phone number XXXX to be updated as this is the most current number for me. I was given a case id XXXX for the fraud case. They told me i am not responsible for any unauthorized charges and that i do not need to make any payments on the account. I was never contacted by an investigator and on multiple occasions called in to check up on the case. They advised that they have everything that they need to finalize the claim. On XXXX XXXX Bank of america wrote the attached letter and i did not receive until XXXX XXXX after they went in to two of my Bank of america checking accounts and withdrew approximately 27K. They say the inconsistent details was provided but i have not spoken to anyone in reference to this case since I filed the claim back in XXXX. Bank of america is acting unfair and biased as to when it comes to this claim, and have caused great financial stress and harm by removing XXXX out of the checking accounts. I have already requested an appointment with a lawyer in reference to this cause these charges are not valid and were not done by me or anyone that i know.

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 06-06-2015 about Debt collection (Medical) with Retrieval-Masters Creditors Bureau, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I received a collection letter from American Medial Collection Agency for XXXX. Already explained that at the time of the service paid my percentage and the insurance covered the balance. They are still insisting for me to pay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2016 about Bank account or service (Savings account) with GOLDMAN SACHS BANK USA (CA).
Issue: Account opening, closing, or management

Complaint: My wife and I applied to open a joint online savings account at GS Bank on XXXX XXXX. After 3 days of not hearing from them, I called them to check status of the account opening. Representative indicated they were declining to open an account because they could not verify my wife 's identity. GS Bank did not explain why they were unable to verify the identity of my wife of over 10 years, despite us both having many other joint accounts and credit cards with other banks over the years. Representative said a letter would be forthcoming from GS Bank explaining reason for declination, however, no such letter has arrived. Having supplied GS Bank with all of our personal information in order to apply, I find it unconscionable that they can refuse to open the account, not explain why, and yet continue to keep all of our information on file. Representative indicated they would keep the information on file as a declined application.

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 06/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
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: As it pertains to the  XXXX  's account on my profile, it contains many inaccuracy that  XXXX  has not made a fair attempt to correct.  <P/> I have requested both verification and validation information to be forwarded to me and  XXXX  has failed to provide this information.  <P/> Furthermore the CRA has violated several federal laws in regards to debt reporting acts in regards to this account on my profile.  <P/> Included you will find several correspondences in regards to this account and how the CRA has responded.  <P/>   One major fact to consider is 15 U.S.C. 1681s-2 and FCRA 623 ( a ) ( 3 ).
<P/>
If this creditor does not deleted from my profile, I will proceed to a small claims action against TransUnion 's reporting practices.

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 10/27/2015 about Debt collection (Medical) with ProCollect, Inc (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Procollect said I owed {$200.00} for a debt for medical treatment by XXXX XXXX XXXX for me, XXXX XXXX, date of service, XXXX/XXXX/08. My XXXX XXXX plan EOB shows that they were paid the PPO allowed charge of {$200.00} and I owed {$0.00}. I have talked to them a number of times, mailed letters from my health plan, and a copy of the EOB. They will not work with me to resolve the matter, refuse to let me talk, insist I owe the debt, reported me to the credit bureaus and continue to harass me by phone

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2016 about Payday loan () with LDF Holdings, LLC (MN).
Issue: Charged fees or interest I didn't expect

Complaint: I have already paid them XXXX on a XXXX dollar loan I called for my payoff balance and they say I owe XXXX they never told me my interest rate before I got the loan!!! I never received any paperwork only my payments schedule

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2017 about Mortgage (Conventional fixed mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (IL).
Issue: Application, originator, mortgage broker

Complaint: I received a 1099 C Cancellation of debt for this account years ago. This is an old outdated account past the retention period. This account must be removed from my XXXX Credit Bureau as it is causing me irreparable financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2016 about Consumer Loan (Installment loan) with CITIBANK, N.A. (TX).
Issue: Taking out the loan or lease

Complaint: I am a victim of ID theft and have a case on file with the XXXX Sheriff 's Dept. Case # XXXX and with the FTC # XXXX. I am requesting documents related to this fraudulent activity under the Fair Credit Reporting Act ( FCRA ). This act states " A creditor or other business must give you copies of applications and other business records related to transactions and accounts that resulted from the theft of your identity, if you ask them in writing ''. I have confirmed this requirement with the FTC ( XXXX ) and the Consumer Financial Protection Bureau ( XXXX ). This letter is an official request for documents related to fraudulent applications related to the theft of my identity. On XXXX/XXXX/XXXX a fraudulent application for credit was placed in my name at Macy 's at the XXXX XXXX and I would like a copy of that application mailed to me at the address above in accordance with FCRA. This is a follow up to complaint # XXXX filed with the Consumer Financial Protection Bureau on XXXX/XXXX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/18/2017 about Prepaid card (Payroll card) with AMERICAN EXPRESS COMPANY (MN).
Issue: Fraud or scam

Complaint: On  XXXX   XXXX  I tried to log into my  American Express  account online but was unable to do so. I then called them to help me to unlock my account which took  3  or 4 times of them trying to unlock the account. I did just end up calling the phone service line and getting my balance from the card. That is when I realized that something was wrong, because a large amount of money was missing so I then called them back again. When I told the company that the money was missing a representative said we could file a claim so she then transferred me to another representative who then asked me many questions and said that he would have an investigator look into it. He told me that I was going to get all the {$5000.00} back because I was covered by the fraud prevention program. He then said to expect a call from their investigator with some more questions. I did not receive a call from the investigator or anyone else from AE for that matter so I called them on Saturday the  XXXX . The representative on the phone said that I should give them a call back on Tuesday the  XXXX  to see where the investigation is at. When I tried to get into my AE app on my phone Monday the  XXXX  ( just to see if by chance they put the money back in there  )  my account would n't open. When I called them today they told me that the investigation was closed and that they closed my card account because I somehow defaulted on the agreement. I then asked to speak to the supervisor so I could get more answers. I waited on hold for ten minutes when the supervisor finally came on he said that they had closed the fraud claim case because they said it was my fault. They thought I approved them even though I told them the first day that I noticed something wrong that I had no idea who any of those people were. My account is now locked I am unable to get in and print any of the transaction logs that could possibly help me get my money back and charge whoever those people were that took my money.

Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2015 about Consumer Loan (Vehicle loan) with U.S. Auto Credit Corporation (FL).
Issue: Problems when you are unable to pay

Complaint: I financed a car XX/XX/XXXX from XXXX XXXX XXXX, a sub-prime lender. We financed about $ XXXX at a very high interest rate ( 16 % ). We paid on the car until we only owed {$1700.00} in principal. Then my wife had to stop working because she had a baby. We asked for the company to work with us and wait 2 months for payment because we were so close to being finished paying, but they would not and they repossessed the vehicle in XX/XX/XXXX or XX/XX/XXXX ( I can not remember exactly but it was right around XX/XX/XXXX ). They charged off the remaining {$1700.00} In XXXX XXXX. Now, they are reporting new late payments in XX/XX/XXXX and XX/XX/XXXX which is hurting my credit and is not allowed on charged off debts.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/20/2017 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have asked Experian to delete wrong personal information from my report, and they have fail to do what I have requested to do.

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 08/20/2017 about Mortgage (Conventional home mortgage) with FCI Lender Services Inc. (VA).
Issue: Struggling to pay mortgage

Complaint: My issue is with the current servicer of my mortgage loan, FCI Lender Services. They are ignoring my requests for information and assistance and also do not appear to be licensed to do business in the state of Virginia. My now XXXX husband XXXX and I bought our home back in XXXX. We endured many struggles due to his health issues. Even when he was unable to work and bed ridden and I was out of work caring for him full time we kept up with our mortgage payment. After he XXXX in XXXX I had to use the remaining savings to keep up with bills and handle his affairs and funeral costs. I began struggling financially and started trying to get back to work but it took some time. I thought I would be OK because I had been led to believe I would be receiving survivor benefits but after going through the process found that I was too young to receive this. I ended up falling behind on my mortgage payments. I eventually was able to get a job working as a XXXX ( have worked in this field for 40 years ) but was behind on the loan. I tried to get my loan modified but had issues because the loan got transferred multiple times. I was eventually told that my loan could not be modified because the loan and title were not in my name. I went to court and I was established as the executor of the estate and got all of the paperwork that established that I was the rightful owner of the home. I was then able to engage with the servicer at that time XXXX XXXX XXXX and thought I was making progress toward a modification when the loan was transferred to FCI Lender Services. No one at FCI has been willing to give me the time of day or consider me for any modification options. They have not looked at my current financial information and have not assigned an account manager to work with me to discuss options to resolve my delinquency and modify my loan. I just want to save my home, I work full time as a XXXX and my daughter is living with me and contributing towards bills and the mortgage payment and is going to be staying indefinitely. We can make this work, if FCI would work with me.

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 03/22/2018 about Debt collection (Other debt) with FAIR COLLECTIONS & OUTSOURCING, INC. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: OnXX/XX/XXXX I decided to pull my credit report from XXXX XXXX because I was building my new credit which I just establish with my recent assigned social security. But it was a surprise that I found a company called Fair collection and a debt for {$7000.00} which I did not have any idea that I had. I was unaware about this, I had lived since XX/XX/XXXX to the same address. I contacted this company and they said I owed this amount and needed to be paid in full. So, I request debt validation and I haven't received any information, also I went to filed a formal complaint to the police station closed to me. I sent out to them a complete report about this. They still saying that I OWE something that I was never be notified as mine, also I did not have any calls or previus information, they never informed me about put this on my account, if they had my information why they didnt send me a bill or statement to my address. So, I had less than a year with my credit and this people is making my life miserable because of it. I'm so disapointed about things works here. This people have very bad reviews and complaints everywhere, its something it needs to be investigated.

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 09/28/2016 about Credit card () with CITIBANK, N.A. (MT).
Issue: Other

Complaint: Citibank is incorrectly reporting a 30 day late payment when the payment in question was received only 8 days past the due date. The payment was not received within their billing cycles, which is why they see it as being appropriate to report 30 days late. 

I have included the original dispute letters sent via certified mail to Citi 's dispute center along with payment and statement history. I am working hard to improve my credit and this was an undeserved set-back. 

Sincerely, XXXX XXXX

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 02/25/2017 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (MD).
Issue: Loan servicing, payments, escrow account

Complaint: We received a FINAL NOTICE from the City of XXXX that our property taxes were not paid for the tax year XXXX. We had no idea, as we pay through escrow with Carrington Mortgage company. Apparently Carrington did not pay our property taxes, and now the City of XXXX is planning on selling the lien to our house if these taxes are not paid. We have contacted Carrington multiple times. They have said that it was their fault and they should pay, then they said, they could n't get in touch with XXXX City. We are now a couple days away from the final pay date, and the bill has not been paid, and we are probably going to lose our home. We have NEVER, in 12 years even been late on a mortgage payment. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2017 about Student loan (Federal student loan servicing) with Equitable Acceptance Corporation (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I reached out to XXXX XXXX XXXX after seeing something on XXXX to inquire about my student loans I am repaying. They claimed to be part of the Department of Education and told me they could help to lower my payments by enrolling me in a payment based repayment plan. I ended up qualifying for a {$0.00} payment but I would owe {$39.00} for the service of the program monthly. What I now know is they are charging for a service that is free. They have a company called Equitable Acceptance that charges my account every month. I only became aware of this because when I went to renew this year I was sent to the Department of Education website to basically recertify myself. They do it charge any service fees and can help you do everything. These companies are pretending to help people and even at a low rate, the amount adds up over years and per clients. 
I have tried to resolve this issue using my bank. They have put a stop payment on future debits for the {$39.00}. However, they are not able to reverse XXXX of the charges. I have also changed all of my Department of Education login information so these companies have no access to my things.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief