milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-11-2015 about Debt collection (Medical) with Renton Collections Inc. (WA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: RCI agency address XXXX XXXX XXXX XXXX, WA XXXX phone XXXX XXXX XXXX XXXX. I had a bill in collection from emergency room. I got a call from collection agency, I called them back right away and I was surprise I have medical bill at collection, it was some mistake in emergency room they did not charge my insurance or did not claim all tree bills to my insurence company. And I try to talk to people from agency and explain the situation that I already payed one medical bill and I need a time to call to emergency and my insurance company to found out what bill is it? And why my insurance did cover it. They were extremely rude, they raise voice on me, they interrupted me and told me all the time that it is my fault i did not pay my bill on time XXXX but I paid bill which i got from mail ). When I asked the name of the lady who talked to me on the phone she said her name very quickly and when I asked to spell for me she said that spelling the same as a pronunciation. She did not give her name. I asked to transfer me to she supervisor, she put on me on hold for 10 minutes and i never got the supervisor. I called back immediately and asked lady from front deck transfer me directly to supervisor, and finally when i riche the supervisor she was again the rudest person she also raised her voice. I asked her name she spell for me like XXXX and I asked she last name or number how I can identify her when I will talk to the owner of the company. The supervisor starts yell at me and hang up on me. I called again because I need to pay bill and I finally paid, but people who work at this agency totally unprofessional, rude and they will be the same way because they know I 'm customer can not do anything. Im asking you help please, check please review online how many people in the same situation like me. XXXX it was my first bill in collection, I never had even late payments ). They was treating me like some sort of criminal

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax did not properly secure my protected personal information from intrusion, such as through appropriate patching, 2-factor authentication at the point of service, segmentation of data, etc. As such, it appears my full name, Social Security numbers, birth date, addresses, and possibly driver license number is cross-matched to each other and in the hands of criminals who can use this data to breach any number of accounts in perpetuity such as my banking and financial data, medical data, legal complaints, political data, and any other number of sensitive accounts. 

Equifax is currently offering a limited credit monitoring service, which does n't even activate immediately. Even this had to be sought out by those who see the news reports, follow the news links to the Equifax page, which in turn link to a third-party website asking for 2/3 of one 's social security number plus last name and a waiver of all class action recourse in order to discover if one is among the breached accounts, only changed to waive class action recourse from the third party site if it too is breached with the sensitive data it is querying once the news of this spread. This is insufficient to the need created by their negligent protection of my information, which I did not give them myself, but which they curated as their business from other businesses.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Debt collection (Medical debt) with ERC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Dear XXXX XXXX XXXX, After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in 2016. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. 

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. 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 is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: cra violation inaccurate information sent police report and idtheft

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 06-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
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: This needs to be removed from my credit report. This was originally on my credit file about 2 years ago, was removed for inability to verify and then reinserted 2 months ago. I have disputed with the company directly and have disputed with the credit bureaus to no avail.The bureaus are coming back as " verified '' and not at any time have I received any communication from the collection agency themselves. Section 609 protects me against false reporting by the credit bureaus and they are required to send me the original paperwork that I filled out when this account was opened. If they do not have it, this account must be removed because it has not legally been verified. Basically, what the bureaus ar saying is that ANYONE can report anything on a consumer 's credit file without any proof they owe it. Only items in which I ever agreed to pay or owe the debt are allowed to report on my credit file and the burden is on the bureaus and not on me. ( see  XXXX  v TRANSUNION 1997 ).

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 02-08-2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Again probably for the XXXX time I contacted experian via internet to dispute wrong information on my credit report. The system would not let me do it as I previously disputed it. I called experian again and was told that they can not re-dispute the incorrect information for me. I sent in to experian a letter directly from XXXX who holds the XXXX accounts I am complaining about and trying to get corrected. I was told that I need to contact XXXX again and get a more detailed letter stating that these accounts were never paid late. The XXXX accounts are XXXX XXXX 's. They corrected XXXX and put that account in the satisfactory as it should be but did not and will not fix XXXX and XXXX account. This makes no sense to me as I personally spoke with XXXX to review all XXXX accounts they hold and they e-mailed me seperate letters for each account stating the information that experian is reporting is incorrect and should be corrected. I was never late on these charge cards and I have standard proof. Now they will not re-dispute it for me and the proof I sent in they are not accepting. How can it get more explanatory when the letter came directly from the bank. I have been putting so much time and effort into getting this corrected and now i 'm told they will not re-dispute it and want me to contact XXXX to get another detailed letter before they will re-dispute it. This is ridicilous.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Making/receiving payments, sending money

Complaint: Charged {$37.00} on XXXX & {$32.00} on XXXX. Total charge {$69.00}. Made XXXX Payment of {$69.00} on XXXX. Also made a XXXX Payment of {$1.00} on XXXX from XXXX XXXX Checking. XXXX XXXX, XXXX XXXX ONLINE PMT XXXX. On XXXX Bank of America made a Small Balance Adjustment of {$1.00} taking my + {$1.00} balance to $ XXXX. Contacted BA & on XXXX they made a Small Balance Adjustment & returned the {$1.00} stating it was a computer error which left me a + {$1.00} balance. On XXXX another Small Balance Adjustment was made & they took the + {$1.00} from my account leaving me again with a $ XXXX balance. Unable to obtain any answer from BA Customer Service Dept. as to why this keeping happening except that it is a computer error. Need to know when they are going to return the {$1.00} to my account and what steps they are taking so this will not happen again. Was told this has happened to other clients also.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Debt collection (Credit card) with WORLD ACCEPTANCE CORPORATION (NJ).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Calling my children 's phone number and leaving a threatening tone on their voicemail which has caused panic.

Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with National Credit Systems,Inc. (GA).
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: XXXX keeps verifying and verifying and verifying on a derogatory remark that I DO NOT OWE.. XXXX and XXXX already removed it but it keeps coming back verified with no signature or legal documents on XXXX. Ive sent them 3 letters asking them for verification purposes biding my signature XXXX, XXXX and XXXX/XXXX/XXXX. All they say is verified without any legal documents or no proof. Its gotten to the point where its affecting my daily life because an apartment complex is reporting is me to a credit bureau on a lease Ive never signed. Also my very last letter I sent on XXXX/XXXX/XXXX they never contacted me back in writing. Theres also 1 more item on my report thats theyre giving me problems with thats unverifiable. The amount of both deragtory marks are {$2700.00} - for the apartment lease I never signed and {$150.00} that I have no clue about.

Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2015 about Debt collection (Auto) with FORD MOTOR CREDIT CO. (PA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX is reporting 17 late payments on XXXX Credit report illegally after the date of discharge on the following account after repossession / charge off date. Ford Motor Credit is also reporting on my XXXX XXXX credit report 47 lates after repossession and after account was closed and charged off Ford Motor Credit- # XXXX To report lates on closed account is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (DC).
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: On XX/XX/XXXX XXXX XXXX XXXX collected payment for a procedure that was supposed to take place on XX/XX/XXXX so the date of the service was XX/XX/XXXX. 
I made this payment on the basis of the XXXX telling me i would receive a XXXX procedure. 
Instead he used a XXXX XXXX on me whcih has XXXX XXXX XXXX. XXXX XXXX are used to remove XXXX and are not XXXX XXXX. I did not pay for a XXXX treatment but a XXXX treatment that clearly was not conducted on my skin as evidenced by multiple photos & acknoweldgements by the office of XXXX XXXX. 
The use of this unconsented treatment was ackowledge by XXXX, the assistant to XXXX XXXX in the scan attached to this complaint. 
This was an advance fee scam that has XXXX XXXX XXXX and is not aligned with the terns agreed to under the care credit card. I became suspicious of what type of XXXX  was used given the XXXX XXXX XXXX XXXX XXXX, There are photos taken in XX/XX/XXXX that show the bad XXXX XXXX XXXX XXXX & support my claim i did not receive a XXXX XXXX As such I am due a refund of all of my monies as they were obtained under fraudulent cirumstances. This does not even address the thousand of dollars of loss that i experienced as a result of receiving this fraudulent XXXX 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 explanation
Consumer complaint received 02/17/2016 about Debt collection (Payday loan) with CURO Intermediate Holdings (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: We 're not able to agree on the amount owed. I do owe them money just not the amount they 're claiming.

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

Complaint: I am included in the list of potential victims in the recent Equifax leak.

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 CAPITAL ONE FINANCIAL CORPORATION (FL).
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: 90 day Late payment by cap ital one a uto finance

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: cra violation sent po report from hpd inaccurate information on credit report no knowledge of accounts

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Colony Brands, Inc. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I have contacted   XXXX   XXXX  , regarding a negative report that they have placed on my credit report with  XXXX ,  XXXX , and  XXXX  credit bureaus. I have asked them to provide me valid proof baring my signature that the account reported was mine. However, they have failed to provide me valid proof baring my signature as required by the FCRA. They also broke the federal law, by not reporting that I was disputing the account that they reported to all  XXXX  credit bureaus as required by the FCRA. My first dispute was on  XXXX / XXXX  /201 7.   XXXX   XXXX   signed for a letter from me on  XXXX / XXXX /2017 that was sent certified/return receipt. Another certified/return receipt letter was sent on  XXXX / XXXX /2017 signed for by   XXXX   XXXX   on  XXXX / XXXX /2017 informing them they had violated federal law per FCRA rule 623 ( a ) ( 3 ). Their willful noncompliance has caused me financial hardship and I am asking for your help in this matter. I have attached all correspondents with   XXXX   XXXX   for your review.

Company response to consumer: Untimely response
Consumer complaint received 02/16/2016 about Debt collection (Credit card) with CAVALRY INVESTMENTS, LLC (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I wrote to XXXX and asked them to prove they are the legal owners of the debt. They have not provided anything that proves their ownership. I also asked them that they be removed from my credit report but they continue to report the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Debt collection (Auto debt) with Riverwalk Financial Corporation (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: DEVILLE ASSET MANAGEMENT XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX is trying to collect a debt on behalf of XXXX. I do not owe this debt. They refuse to listen to me regarding this. The amount they say I owe is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2017 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I requested my free annual credit report from Experian. I got a message saying, " A condition exists that prevents Experian from being able to accept your request at this time. 
To obtain your Experian annual credit report, please mail your request to the address below using the Annual Credit Report Requestform. '' As this happened on repeated attempts over several days, I began to see a pattern. This is the third year that I have been unable to obtain my credit report on line from Experian. This has also happened to me with Equifax. The circumstances are the same. I believe the credit reporting companies are discouraging people from using the on line report service. They direct you to print a paper form and provide XXXX forms of paper Identification. Most people, I believe simply throw up their hands and give up when faced with the additional requirements. 

Please investigate this apparent abuse of the Free Credit Reporting Act.

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 09/15/2016 about Debt collection (Medical) with Debt Recovery Solutions, LLC (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am a veteran widow whom is a recipient of Maryland State Medicaid and have been for several years. Therefore, the State is responsible for my health bills at XXXX cost to 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 04/22/2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (NJ).
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint: I use Wells Fargo bill pay system. I was notified on XX/XX/XXXX that they were sending {$270.00} to the XXXX XXXX paper. I made the error - the amount was to be send to another service. I called the bank and requested they stop payment and was told it was " in process ''. We complained that the funds weren't scheduled to be received until XX/XX/XXXX. Why couldn't they credit my account and stop payment. " Not possible. '' Called and emailed XXXX XXXX. They said I would need a three way conversation scheduled ( bank, paper, and myself ) in order to reverse the funds. I explained repeatedly that the bank isn't involved at this point. Just return the funds to me - they were paid inadvertently and need to refund me. They finally acknowledged the payment on XX/XX/XXXX. Today is XX/XX/XXXX and I still have not received the payment/refund. Every email exchange states they are looking into it etc. Then on XX/XX/XXXX they said the funds were " in the mail. '' I am really frustrated with both of these businesses.

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 01-04-2017 about Mortgage (Conventional fixed mortgage) with Servis One, Inc. (KS).
Issue: Loan servicing, payments, escrow account

Complaint: BSI Financial Services took over a loan I had with XXXX. The problem is very poor and inaccurate service on the loan. No return phone calls or information provided on the loan. Miss paid Escrow and other issues. Lack of staff to help customers. This is a collections business with only one goal. I am not that individual this type of service is not acceptable to me or millions of individuals with good credit and payment history.

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 10/25/2016 about Student loan (Non-federal student loan) with TRANSWORLD SYSTEMS INC (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: XXXX college took out a private loan in my name and then when they closed i found out that they had taken over {$20000.00} in federal loans plus $ XXXX+ in Pell Grants and XXXX Separate private loans for XXXX $ XXXX+ and XXXX XXXX XXXX for $ XXXX+. My tuition was only {$29000.00}. So this does not add up. The private loan company for XXXX has no idea what to do as far as discharging my loan. I need help!

Company response to consumer: Closed with explanation