milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-01-2018 about Debt collection (Medical debt) with Aargon Agency, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: AARGON AGENCY INC XXXX XXXX XXXX XXXX XXXX, NV XXXX Dear Sir or Madam, This letter is in reference to SOME BILL XXXX $ XXXX XXXX, NO ACOUNT NUMBER NO INFO JUST A COLLECTION AGENCY for services provided to NO NAMED PERSON on XX/XX/XXXX In regard to the bill on this account in the amount of ( {$760.00} ) Please be advised this is not a refusal to pay, but a notice your claims are being disputed. 

Under the Fair Debt Collections Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, the date of the alleged medical service, the name of the patient and proof that there is some contractual obligation which is binding on me to pay this debt. 

Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and or authorization under subtitle D of the ARRA, SEC 13401. APPLICATION OF SECURITY PROVISIONS AND PENALITIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. 

The term " breach of security means, with respect to unsecured PHR identifiable health information without the authorization of the individual. 

Please note that enforcement of penalties against you is covered under the penalty rules of the omnibus final rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information. Technology for Economic and Clinical Health Act of XX/XX/XXXX ( HITECH ACT ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX. 

Please also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account and a copy of any HIPPA authorization. 

Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collections activities, including reporting of or verifying of this account on my credit reports. 

In the event of non -compliance, I reserve the right to file charges with the OCR on your HIPPA violations and appropriate County, State and Federal Authorities. I require compliance, I reserve the right to file charges and/or complaints with the OCR on your HIPPA violations and appropriate associations for violations and appropriate County, State & Federal authorities for violations of the FDCPA, FCRA and Federal and State statutes on illegal collection activities on any account that may be time-barred as well as in violation of California medical privacy rules. 

I also hereby reserve my right to take private civil action against you to recover damages. 

Sincerely, 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 07/27/2015 about Consumer Loan (Vehicle loan) with TOYOTA MOTOR CREDIT CORPORATION (WV).
Issue: Taking out the loan or lease

Complaint: WE bought XXXX XXXX 's on the same day for our sons going to college XXXX of the cars was in a total loss accident. XXXX XXXX and Toyota got the account numbers wrong and payed off the wrong car. We had no idea what had happened we continued to pay the payment as agreed, not knowing what had happened until going to the DMV to get license for the other car they informed us that that car was showing a total loss. Toyota meanwhile set up another account and we was not may aware and they turned in the other XXXX as being late I contacted them and they said it was XXXX XXXX fault because they requested they wrong title, and they were to correct our credit report but that did not happen.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-06-2017 about Debt collection (Other debt) with Eastern Account Systems of Connecticut, Inc. (AL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I have been trying to resolve this problem for months with no avail. I have been disputing the validation of this debt due to the fact I do no owe it and it is not my account. This is my second complaint. I advised the company the debt was not mine, the sent back inadequate proof that it was with information that does n't match mine, I offered to even settle on the account just to get it off my credit report, which they agreed, and then never returned my calls when I left messages on the number they provided for me to call. I have filed an identity theft report with the FTC and sent it to the credit bureau and again disputed the debt and they still refuse to remove it from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2017 about Debt collection (I do not know) with Stanislaus Credit Control Service, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I disputed online with XXXX Account XXXX XXXX XXXX XXXX in the amount of XXXX dollars. This was listed on my XXXX report this is not my account. I have had a problem with identity theft so I have alerts set up when something is added to my credit report. I want XXXX to verify this information to which they can not. I want this item deleted from my credit report immediately. I will also be mailing XXXX a dispute letter from my attorney.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/15/2015 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Billing disputes

Complaint: my wife and I, have an account ( credit card ) with Lowes, we purchased a Refrigerator almost two years, we are making payments. payments are schedule on the XXXX of every month. on XXXX XXXX I sent my payment online using their website, two days later I went online and checked my balance and I notice they had charged my {$38.00} late fee. I called them to fine out why they charged me late fees and the reason I was told is that the payment was posted the following day.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (IL).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I made a purchase of {$110.00} in XX/XX/XXXX. I inadvertently missed the payment and spoke with a representative that advised me to send in the balance due plus interest ( XXXX + XXXX interest accrued on XX/XX/XXXX + XXXX interest accrued on XX/XX/XXXX ) and the late fees could be waived. I sent in a payment of {$120.00}, which was applied on XX/XX/XXXX. The outstanding late fee of {$62.00} was not waived and has been COMPOUNDING and accruing interest ever since. The practice of charging late fees on late fees until the balance is out of hand seems abusive. I have since submitted a dispute ( XX/XX/XXXX ), however, XXXX XXXX appears dismiss disputes filed on late fees. They keep harassing me with collection calls 7 days a week. 

I am requesting that 1 ) the [ compounded ] Late Fees that have been assessed, became principal, accrued interest and charged late fees [ repeat ] for a total of {$350.00} as of XX/XX/XXXX be reversed/waived ; 2 ) my account be closed ; and 3 ) my credit be updated to reflect paid in full on XX/XX/XXXX with no late payments since. 

This practice is not fair and can put a consumer in financial hardship quickly. 
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 monetary relief
Consumer complaint received 09-08-2016 about Debt collection (Credit card) with CITIBANK, N.A. (OR).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Behind on my Sear 's account through Citi Credit Card, that is when the constant calls started, four to six times a day, every day over and over. It is not productive nor is there any good that comes out of constant calling .Calls continue even when you make payments or have made arrangements. 
Last night they called at XXXX, twice at XXXX, XXXX and XXXX, not including the daytime calls. 
I was told if you did not pick up their calls and speak to someone they will continue to call but if I pick up their call then they would not call for three days. I asked why three days, their response was that my financial status could change. I explained to them that there is no way my financial situation will change in three days or anytime soon, I get paid every two weeks not every three days so calling me that often is not productive and it was very irritating and frustrating. 
Phone calls are every day up to six calls a day if not more.

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 11/13/2015 about Mortgage (FHA mortgage) with FLAGSTAR BANK, FSB (LA).
Issue: Loan modification,collection,foreclosure

Complaint: Today XXXX/XXXX/15 I received a call from Flagstar mortgage company stated that are returning my check for {$75.00} due to me being delinquent on my mortgage. The young lady on the phone stated that it is there police to not accept partial payment on delinquent accounts. I have been delinquent since XX/XX/XXXX and during this time they have accept partial payment up until XXXX/XXXX/2015. This issue is only one of the issues I am having with Flagstar. this is the second time since XX/XX/XXXX I am filling for lost mitigation with their company. First they denied me because that stated my unemployment would run out by a certain date. this was after going several round with them not reading the paper correctly. On top of this matter the lost mitigation team never received my paper work which I up loaded on Flagstar website. Each time after receiving a call for the collection department stating they did not have the paperwork, and CSA was able to see the uploaded documents, and stated they were forwarding a note up to management and or lost mitigation that the documents are in the system. Both time I had to demand to speak to a manager and directly send them the requested information. And they requested signed copies of the loan process form that I filled out on line. This situation is getting very frustration and stressful. Bad enough I was unemployed and am now underemployed, but for them not to provide the help that stated they would and not. I am following the information my XXXX XXXX adviser stated I should do, but in the meantime I would like to resolve this issues of Flagstar not accepting my partial payment as well as their document uploading process.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2017 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (MD).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The calls start at XXXX most times I am called 2-4 times a day every day yes I do owe them money but calling me back to back wo n't get it.

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 02/15/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I graduated school in XXXX borrowing a total of {$60000.00}. I recently took a personal loan to pay off the balance of {$72000.00}. All in, {$39000.00} in interest was capitalized and was added to the principal balance and I paid {$99000.00} principal, and an amount of {$51000.00} accrued interest was also paid, totaling {$150000.00}. For a loan of {$60000.00}, I paid a total of {$150000.00} over the course of under 18 years. I have been XXXX XXXX military XXXX over the last several years, and am currently in XXXX. For the last several years I took advantage of the lower interest rate under SCRA. Even still, I have been paying more than the minimum payment, however, almost all of the payment went towards interest, without making an impact on the principal. Additionally, the allocation towards interest and principal fluctuated month to month. Even though I was paying over the minimum balance, the principal continued to creep up to a point where I would never be able to pay the loans off. For example, I made a payment of {$400.00}, more than the minimum payment, on XXXX XXXX, XXXX. Only {$2.00}

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC).
Issue: Problem with fraud alerts or security freezes

Complaint: XXXX failed to protect my personally identifiable information and that of my family. In order to best prevent the misuse of this information with the credit bureaus, I must pay {$10.00} for each bureau to freeze my credit reports for a total of {$30.00} for each member of my family. This creates a significant expense not only for my family but for the approximate 143 million Americans impacted. While many states have laws preventing the collection of this fee, this is no universal. If everyone freezes their report with XXXX and must pay this fee, this breach could generate a potential revenue " wind fall '' for XXXX. Additionally, XXXX and TransUnion could similarly profit. XXXX, especially, should not be allowed to profit from their negligence and failure to provide " due care ''. 

Additionally, removing a freeze creates similar charges as does reapplying the freeze after applying for credit. There is also a cost in time for completing the freeze and removal requests.

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 04/27/2017 about Debt collection (Other debt) with Advanced Collection Bureau, Inc. (IL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I resided at  XXXX   XXXX  apartme nt (   XXXX   XXXX   XXXX   )  from  XXXX  to  XXXX . I moved out at the time that was lease was over and moved into a sister building owned and managed by the same company right around the corner. A year ago I pulled my credit report and realized there was a collection  from Advanced Collection Bureau Inc. I co ntacted the company and told them that I did n't know or understand why this account was reporting on my report. I informed them that I had an outstanding debt from the sister building owned by the same company and I handled that debt. She requested that I send that documentation over. I kept sending via email and fax. The lady stated she never received the documents that I sent. I began to get frustrated with the ordeal and took a break on trying to resolve it, as I realized that it was deleted from my report and added back on. A few months ago, I reached out to the company again as its the only item that I still had in collections that I could n't wrap my finger around. I spoke with  XXXX  and went through the same steps that I went through with the previous lady. He told me that 's great that you settled that but this is another debt that is yours and you need to pay. I explained to him that I do n't understand how this debt is mine if I were never contacted regarding this and I was living i n one of th eir buildings at the time it went into collections. He said he did n't know but I need to pay the debt. I asked him to validate that the debt was in fact mine. He sent me an itemized receipt that is barely readable with wrong contact information on it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2017 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: Account status incorrect

Complaint: XXXX   XXXX   XXXX   and I agreed on a loan modification for my loan and agreed on a payment of {$100.00} per month. We did a trial run of paying {$45.00} a month for a while but, in   XXXX   XXXX   we agreed on {$100.00} per month. Ever since that time, I have been paying {$100.00} a month to   XXXX   XXXX   XXXX  , please see the attached payment history with shows every payment that I have made on this account since   XXXX   XXXX   XXXX  . Unfortunately,   XXXX   XXXX   XXXX   is not reporting the payments that I have been making on this account. The payment history which they are reporting on my credit report stops on   XXXX   XXXX  . They are also reporting that my account is past due and that the status of my account is Charged off. " Accountcharged off.Balloonpayment of $   XXXX due  XX/XX/XXXX .  {$26000.00} writtenoff. '' THIS IS WRONG!!!! We had a deal and I living up to my end of it but,   XXXX   XXXX   XXXX   is reporting that my account is charged off and past due ruining my credit history and my scores. The are doing this out of spite! I tried calling them so many times but, no one helps! I have been paying my account on time in accordance with the loan modification agreement. Please have the creditor update the credit reports to show my on time payment history and that the account is currently in good standing and paid as agreed. Please see attached payment history for account. They even wrote that the account is " transferred to recovery ''. THATS A LIE! The account is still with them, they receive my payments every single month.

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 12/28/2015 about Mortgage (FHA mortgage) with Caliber Home Loans, Inc. (OK).
Issue: Loan modification,collection,foreclosure

Complaint: My husband was diagnosed with XXXX XXXX in XX/XX/XXXX and XX/XX/XXXX after a check up at XXXX XXXX XXXX XXXX XXXX in XXXX, AZ XXXX. He was laid off of his job and stayed XX/XX/XXXX and XX/XX/XXXX in AZ receiving daily XXXX XXXX. He was able to draw unemployment and I am very secure in my job but it was n't enough to cover the truck payment or mortgage. We started a process with Caliber Home Loans for assistance and asked for a loan modification or extension, this went on for 3-4 months with the final result being that they were unable to help us. So it was n't that we were not paying our bills we were unable to pay them and asked for help with no good result in the end. We are not dead beats I have had my job for 8 years and he had no choice with the XXXX XXXX. Caliber Homes told us they would help us since we filed tons of paperwork with them that it would not effect our credit but obviously that was n't true.

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: cra violation sent po report and ftc violation of my right inaccurate information

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 10-12-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Franklin Collection Service, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid this over a year ago and I have a receipt. They refuse to take it off my credit. It is not in collections

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2017 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Using a debit or ATM card

Complaint: There were fraudulent transactions on my account from XXXX throughout the month of XXXX that I did not authorize. When I called to file my dispute I was confused with the questions being asked of me and the language barrier with the consultant. Chase is denying my claim for inconsistent information but I never authorized these transactions and I need assistance filing a dispute.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05-01-2015 about Mortgage (Other mortgage) with CITIBANK, N.A. (CA).
Issue: Credit decision / Underwriting

Complaint: We were trying to refinance our mortgage. So after talking with multiple lenders we decided to go with Citi Mortgage based on the GFE they provided which has {$5000.00} as lenders credit at 3.000 % interest rate. However, 20 days later when interest rates went up, I got another letter email saying that they recently received new information and sent me a new GFE which has lenders credit reduced to {$1000.00}. 

Now I ca n't even go for new mortgage shopping as the rates have gone up. If they would have mentioned the same before I committed to go with them, then at least I would have had an options of going with next best option.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07-09-2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: I opened a Wells Fargo checking account with an introductory bonus offer of {$250.00} for makin g 10 debi t transactions. The debit transactions were made, but there was no bonus offer to be seen. I feel that I was unfairly misled by Wells Fargo.

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