milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-08-2018 about Debt collection (Medical debt) with HCFS Health Care Financial Services, Inc. (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: On XX/XX/2018 I sent this company a letter stating that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. I received nothing back from them and they removed this item from my credit report that was account number XXXX for {$1800.00}. Now they have placed this item back onto my credit report under account number XXXX. for {$1800.00}. They are in violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act and I am demanding they remove all of these accounts from my credit report from all three bureaus.

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 12-06-2016 about Debt collection (Medical) with Credit Bureau Services, LLC (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have disputed accounts # XXXX, XXXX with Credit Bureau Services on XXXX/XXXX/2016 and sent my dispute certified mail requesting validation of this debt. Credit Bureau Services failed to provide me with a copy of any viable evidence, bearing my signature. A second certified letter was sent XXXX/XXXX/2016 and I have not heard back from Credit Bureau Services, They are now out of compliance with the FRCA. I 'm sure we would both like to handle this outside of court, so all I ask is that you remove this listing from all the credit bureaus. If you refuse, I will take legal action.

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 08-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I am submitting this complaint on behalf of syncrony bank/qvc. This account was removed and deleted off my   XXXX   and   XXXX    credit report after I disputed it over several times. However they responded to   XXXX   credit reporting agency not to remove the account off my report. This is wrong as it was confirmed to delete from the other   XXXX   credit reporting agency 's but they will not allow it to be deleted off my   XXXX   report. I tried to re-dispute it again this morning with   XXXX   but  XXXX  would not allow me to do so ( which is also wrong ). I have this account reporting on my   XXXX    credit report and it should be deleted just as they gave verification to delete off   XXXX   and  XXXX . I am fustrated at the fact that they are affecting my credit score in a negative way by responding not to remove. I was told by  XXXX  syncb/qvc responded to delete off report why would they respond NOT to delete off  XXXX ? I would also like to note that qvc is no longer in business.

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 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NC).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I contacted Navient to get a lower payment and was denied. Also, asked about the original loan and school name and was unable to obtain information.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I paid the XXXX bill from XXXX and transunion is reporting this debt which is not valid by XXXX. XXXX acknowledged this debt is not valid and is paid off trasnunion has not removed this debt so I have to submit a complaint to remove it permanently

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 04-02-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: received my on line credit report. disputed some of the accounts. some were removed but a few were on summery. called again to ask to have them removed and was told they could keep them on record for 10yrs. these accounts are in good standing but go back to XX/XX/XXXX,XX/XX/XXXX. i would like to get them removed, because they look active even if being closed fo so long.

Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2016 about Credit reporting () with EARLY WARNING SERVICES, LLC (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: A month ago, I disputed the items on the following attachments off of my Early Warning Systems Report. I have not received any confirmation of receipt, no investigation results, or anything. I called them and they said that they have no record of my dispute. Attached is the final letter that I sent them today. I will be filing suit in court 30 days from todays date if these items are not removed from my report. Please see attached documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I requested transition to review my XXXX XXXX loan for missing payments ; however my credit score dropped by XXXX points because instead of reviewing the accuracy of the payment history they flat out removed my XXXX XXXX auto loan from their records in error. I called XXXX XXXX to attempt to see if they are reporting to all XXXX bureaus and they stated they are and that this is an issue with transunion

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 08-09-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (CA).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: I was supposed to receive XXXX skymiles and {$100.00} statement credit if I spent {$1000.00} in 3 months. American express has said I have met all the requirements but will not credit my account. They keep telling me they will research the problem. I met the requirements on XX/XX/XXXX. They say it takes 6-8 weeks after that and it has been 12 weeks. I have called several times and they just say to call back and check later.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2017 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I manage all the bills, including accounts belonging to my husband, and they are paid on time if not before the due date with minor exceptions. The mortgage blemish from almost 7 years ago is the only negative on our report and resulted from the downturn in the economy affecting my husband 's employment. I 'm therefore confused why my credit score is always lowered or dramatically affected for foolish reasons. Only varying factor is my gender. 
This complaint is frankly for the sexism I 've experienced from credit score companies.

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: on XXXX XXXX 2016 I was contacted by convergent collections. They indicated to me that I owed XXXX the amount of {$100.00} for a modem XXXX claims I never returned. Knowing that XXXX is an unscrupulous Company and having never dealt with a collection agency before I responded by immediately writing a check for the amount of {$100.00} and mailing it to XXXX PO Box . This amount was withdrawn from my checking account on XXXX XXXX 2016 by XXXX. I have requested and received a photo copy of the cashed check which has XXXX XXXX 's endorsement on the back of the check and the confirmation number XXXX. After repeatedly notifying XXXX and convergent collections that I have paid my balance, they refuse to acknowledge receipt of my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I was given a bad car loan at the age of XXXX to for above 21 % on a vehicle that was at the time 6 years old. My monthly payments were {$300.00} per month for the vehicle. I made payments on time for several years until I fell on hard times. The car was eventually repossessed in the year of 2013. The information on the credit report does not reflect what I actually paid on time for several years.

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 10/29/2016 about Debt collection (Auto) with AMERICAN HONDA FINANCE CORP (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I had a 3 year lease with Honda Financial ; completed in XXXX XXXX. Every payment was paid in full on time ; never missed. 
Car was in accident the beginning of XXXX ; which turned into a " total loss '' Insurance Company sent Honda Financial insurance check beginning of XXXX. 
Honda assessed an {$1800.00} balance ; consisting of {$500.00} insurance deductible and " excess mileage '' In meantime, Honda Financial sent an " estimate '' - not a bill for breakdown of total. 
Honda began their calls with a demand of payment in full or my " they '' would report to credit bureau. I did not receive a bill yet, and when " Collector '' verified what the letter was to state ; was n't due yet. 
I have since sent {$500.00} for deductible and made arrangements to pay balance in XXXX installments ; ending XXXX XXXX. 
I continuously receive calls for payment 4 times a day, including today, Saturday. 
I have asked for " Caller '' to read the arrangement in the notes ; stop calling and asked for Supervisor. 
I am told not Supervisor is available, a request will be submitted on my behalf, I have been hung up on after repeating same request. 
In addition, each call begins with ... '' What is your DOB and address to verify we 're speaking with correct person '' - Meanwhile, this is an incoming call - who gives out information on incoming calls? 
I just want Honda Financial to stop calling multiple times a day. I did the right thing and made arrangements ( outside another issue that I do n't know why I am paying Honda for excess mileage on a totaled vehicle ).

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MS).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am writing to dispute the following information in my file. I recently received a copy of my EQUIFAX credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. Under the Fair Credit Reporting Ac t, 15 U.S.C. 1681g I  have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts, then please delete them immediately as required und er Section 611 ( a ) ( 5 ) (   A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FC RA 15 U.S.C. 1681i,  all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.   Please provide me with a copy of an updated and corrected credit report showing these items removed.   The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance  C. Employment D. Court Orde r The following credit inquiries are related to none of the aforementioned permissible   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: ON XX/XX/2017 5 letter were drawn and sent certified mail to XXXX, Trans Union, XXXX, annual credit report and CFPB My Social Sercurity was incorrect and needed to be corrected with all credit report bureaus. 
XXXX is the only Bureau that corrected the issue. 
It has been 6 months since letters and info was shared and I need to refinance my car and apply for a rental ... 
I need my SS # to be corrected within the credit reporting Bureaus so that I can move on in life. 
I do not know what else I need to to do, to get this done..

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 09-12-2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (NC).
Issue: Making/receiving payments, sending money

Complaint: I recently paid off balance in my personal line of credit. My checking account was immediately debited. But as of two business days later, the credit to the loan account was still not posted. XXXX accounts are on books of Wells Fargo. When I inquired, I was told it takes up to 3 days to post the payment. Remember : these are book transactions. After several frustrating attempts to get a simple answer, I am appealing to the CFPB. If it takes 3 days for whatever reason but loan account is credited on backvalued basis to date payment made, then I am not charged extra interest. I can not get a straightforward response from Wells. I have attached the email exchange so you can see this firsthand. 
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 10/16/2015 about Debt collection (Non-federal student loan) with The Regional Adjustment Bureau, Incorporated (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I took out a private student loan from XXXX in 2006. My original balance was around {$13000.00}. Now XXXX XXXX owns my loan and telling me I owe about {$34000.00}. I do not feel this is right and I need help with this. I ca n't get in contact with XXXX XXXX to see where they came up with the figure. XXXX services the loan, which they take the payments, but send me this ridiculous paperwork of accruing hundreds to a thousand dollars of interest a month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2017 about Debt collection (Non-federal student loan) with MOHELA (AL).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: On XX/XX/2017 I receive a collection notice from the Department of Education-National payment center, XXXX. XXXX XXXX, XXXX Ga XXXX ; telephone # XXXX to pay XXXX a month for my student loans, I did not send them a cent. I contacted my school-Mohela which I am sending student loan repayment to. Mohela told me that this is a third party company and for me to contact CFPB and write up an complaint towards Dept of Education ... ..

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: received a letter from afni stating that they were debt collecters and I owed a bill to XXXX for over XXXX dollars. I contacted XXXX to make sure and I do not owe any bill.

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (NV).
Issue: Loan servicing, payments, escrow account

Complaint: New acct number XXXX, changed from XXXX XXXX XXXX, XXXX. 
*** # 1-For XX/XX/XXXX, Ditech submitted a fraudulent federal form XXXX, attached, reporting {$2700.00} for # 1 mortgage interest received from payee ( s ) / borrower ( s ). ***We paid {$2600.00} interest in XX/XX/XXXX ; the difference is {$99.00}, attached XX/XX/XXXX monthly statement. ***On XXXX XXXX, XXXX, Ditech removed {$99.00} from our account as payment for late fees. ***Rather than report this {$99.00} ( or rounded up to {$99.00} ) as income from late fees, did Ditech report it as interest per mortgage contract? 
*** # 2-Ditech creatively posted our first XXXX payments to remove the late fees. ***Ditech 's agent mistyped our XXXX payment ( XXXX/XXXX/XXXX ) short by {$2.00}. ***Ditech 's transaction spread sheet ( in XXXX/XXXX/XXXX letter ) shows not XXXX {$770.00} payment but XXXX, {$670.00} UAF and paid late fees {$77.00} ( prev balance ) and {$22.00}. ***Ditech created the {$22.00} ( should be {$38.00} ) late fee amount, thus zeroing out the UAF after posting P & I. 
*** # 3-Ditech did not honor the agreement for our first payment ( XXXX/XXXX/XXXX ) by posting 2 months of new escrow rather than applying 3 of the 13 months of escrow overage for our payment to post as 3 months of P & I. ***While having possession of our 13 months of escrow overage, Ditech put our account 2 months in arrears.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Vehicle loan or lease (Loan) with Automobile Acceptance Corporation (GA).
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint: I called Automobile Acceptance because I noticed that my credit report is reporting a balance of {$13000.00} and is saying that I failed to pay every single month even though I respectfully asked to to come pick it up due to my inability to pay the note due to me losing my job.. I voluntarily gave them the vehicle back because I lost my job and my ex husband stopped paying the car note for he paid it every month since he had me get it. The account shows as a repossession, which it was not it was a voluntary repo due to my change in my finances, but I never received a call or a piece of mail since they picked up the car from my home. I have had the same phone number the entire time, since XXXX. I never even received a letter stating the remaining balance after the sale of the vehicle. I had to consult with an attorney that advised me of the steps to take and this was one before entering into litigation at which I hope that is not necessary. I updated my address with them in XXXX when I moved and in XXXX when they called me about the late payment and I told them I could no longer afford.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-11-2018 about Vehicle loan or lease (Loan) with FC HoldCo LLC (AZ).
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 was advised by the Attorney Generals Office to file a complaint due to jurisdiction regulation of the matter. This matter involves an Auto Loan that is being reported by a company named XXXX XXXX. The information suddenly appeared on my credit report last year. I immediately filed a fraud dispute with all three credit reporting agencies. The initial date it reports on my file is as open is XX/XX/XXXX and a last payment made XX/XX/XXXX. This in itself is contradictory. It shows a balance owed of {$6800.00}. They are reporting 8 late payments for a period of 90 days. To no avail the information yet remains on my credit file. I am unaware of any loan being initiated with this company. I ask that this matter please be investigated for accuracy.

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 02-08-2017 about Payday loan () with Big Picture Loans, LLC (MS).
Issue: Charged fees or interest I didn't expect

Complaint: I borrowed XXXX dollars from Big Picture Loans.I have already paid them XXXX dollars. I asked them to send me my interest rate after 2 weeks I received it. They want to charge me XXXX dollars for a XXXX dollar loan. This is robbery.and I do n't know how they can do this legally. I can not pay this kind of interest and would appreciate your help. Thank you

Company response to consumer: Closed with explanation