milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/31/2017 about Debt collection (I do not know) with HCFS Health Care Financial Services, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: My complaint is against Account Resolution Service. I have made three attempts for debt validation from this company because my credit is being ruined from bills that do not belong to me. I am a responsible person if the debt belonged to me i would pay it but i can not pay a debt from a place i have not even been too. My last attempt to get this place to validate the debt they said in writing on the BBB website to me that they do not need to validate and that the debt belongs to me. This company is not treating me fairly. Right after i submitted my first dispute with XXXX about ARS in XX/XX/XXXX my XXXX year old grandmother started receiving phone calls from a man impersonating XXXX trying to get her to give them my information. The phone number area code is from the same area ARS is located. I want them to provide me with a signed contract that i signed saying i agree to pay this bill. This company is breaking the law by providing the wrong information to the CRA 's. The original creditor which i also do not recognise says they have no idea about this debt. So what leg does this company have to stand on? I think this company is a fraud. They have over 270 complaints against them with BBB. I think this company stole my identity to try to extort money from me to get a phony debt deleted from my credit score. That will never happen i will never pay for a debt that is not mine.

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 08/29/2017 about Debt collection (I do not know) with FAIR COLLECTIONS & OUTSOURCING, INC. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: In XXXX XXXX, I received a copy of my credit report, in detailed it showed a collection from a third party company called Fair Collections and Out. This debt collector reported that I owe {$3300.00}. Consequently, this is a false attempt to collect a debt that was stolen from the original company- XXXX XXXX who did not solicit or file with Fair Collections and Out. When I spoke with XXXX the leasing agent from XXXX XXXX he stated, " He was not aware that XXXX XXXX had filed any actions against the account. '' In XXXX XXXX, myself and my roommate moved out of the apartment due to a fraudulent check that was written on the account. XXXX stated, " if we left before XXXX and did not leave the place in disarray he would not file an eviction against us. Now a year later there is an attempt to collect a debt from an account that is reported as a XXXX balance. According to the last printout, myself and said roommate does not have any monetary obligations to this property. 

I have sent emails, letters to each credit bureau, and a formal letter to Fair Collections and Out asking that this debt be removed. I have not received any responses from the either company. I have not received any documents stating that this account is validated by XXXX XXXX. 

Please look at the bottom of XXXX and you will see that the balance is 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 05-08-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I am the author and owner of all communications withing this complaint. I do not agree to allow this complaint to be managed outside of the portal. 

My Credit report currently has " XXXX XXXX '' reporting inaccurately, and in an incorrect manner. 

I dispute the validity of this account/Tradeline. 

1. The " Type of Account '' says NA, and should be " Revolving/Option '' 2. There is no Payment History in this account - and there should be as this account was opened for over 3 years 3. There is no Balance History in this account - and there should be as this account was opened for over 3 years 4. Because this account has no Payment History, please verify its Status/Major Delinquency date 5. Because this account has no Balance History, please verify its Status/Major Delinquency date 6. This account has no Activity Designator, and should as this account is Closed Please Validate this Tradeline, and resolve the errors - or Delete this account. 

Please provide a printed report, when resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was charged on my XXXX account a {$4000.00} that was not mine and then a credit was given. A new charge was again done for the same amout and XXXX started calling to collect the momney. The account was sold to Asset Acceptance LLC. and they continuosly called me demanding payment for something I did not owe. I was sued by them and had to paid several attorneys with money I did not have. I had to close up my son 's Pre-paid college account and depleat the little savings I had in order to paid these attorneys. I finally had to pay Asset Acceptance LLC money I did not owe so they will not keep ruining my credit as they already had. I had paid between attorneys and bills I did not owe around {$12.00} dollars

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: Hello - Two years ago I went through a divorce. As part of the divorce settlement my ex-wife was given one of our cars that we had a loan on. It was a joint account through XXXX XXXX XXXX. I asked my ex-wife to remove me from the account though she never did. She changed the mailing address for the account and login information online, so I was unable to access the account. The loan was nearly paid off, so I did n't worry about it too much. In XXXX of this year I got a notification from my credit monitoring service that the account was over 30 days past due. I contacted my ex-wife and she said it was due to a change in her billing account and fixed the issue and paid off the outstanding balance. 

Still as a result of this I now have a 30 day late payment notice on my credit report. My credit score took a hit as well, dropping from XXXX to XXXX. 

Recently, I contacted XXXX XXXX to explain the situation and inquire about having the negative mark removed from my credit report. Since I no longer had access to the account online and my ex-wife updated the mailing address to her new address. I received no notice of a past due balance. XXXX said they were sympathetic but unwilling to remove the mark.

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 Debt collection (Other (i.e. phone, health club, etc.)) with Ray Klein, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: PROFESSIONAL CREDIT ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX, OR XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you PROFESSIONAL CREDIT or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : PROFESSIONAL CREDIT or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Billing disputes

Complaint: My XXXX used Bank of America for our business banking. 

We closed the accounts XX/XX/XXXX and paid the accounts in full in person at the branch nearest our XXXX XXXX location. 

Over the years we received a few calls in attempt to collect a debt and asked us for our personal information ( which we assumed was fraud ). 

After the second call from the debt collector I called Bank of America to look up my social security number and they confirmed that we did not have any due balances under my social security number ( in XX/XX/XXXX ). 

Today I called XXXX XXXX XXXX to resolve the issue once more and was informed that they have a due balance of {$11000.00} under my social security number that I do not recognize. 

They have no further information on the money other than they asserted that it is due in full. 

This letter is my formal complaint that I do not recognize this debt and that I will write XXXX XXXX XXXX a letter to cease contacting me about this fraudulent charge.

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 05/31/2016 about Debt collection (I do not know) with SYNCHRONY FINANCIAL (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I keep receiving mails from synchrony bank stated that i have debt to pay but never receive any types of balance sheet, I was never sign up for synchrony bank for credit cards for that matters. I only bank with XXXX XXXX XXXX and also issued with student credit for tha matters. I believe that my personal information was use without my consent in regarding of debt that is not applicable of my own

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 12-12-2017 about Payday loan, title loan, or personal loan (Payday loan) with Big Picture Loans, LLC (GA).
Issue: Charged fees or interest you didn't expect

Complaint: To whom it may concern. 

I have a loan for {$650.00} with BigPicture Loans taken out XX/XX/XXXX. I have paid a total of eight payments at {$130.00} twice a week, which has total to {$1000.00} as of XX/XX/XXXX almost double of what the loan was for. What I was n't aware of was the high interest rate charge 475.2292 % yearly rate. I did n't get this information until I received the loan. I understand I did received the loan and I have been paying it, but at a rate like that. I will end up paying them almost 3000.00 dollars for XXXX dollar loan. I feel I have been mislead and taken advantage of because of this rate. I call to get a payoff and got the run around and was told the balance was still XXXX after the XXXX of payments already paid the actually pay off date is XX/XX/XXXX. I ask for manager and was told someone will get back to me. This company is totally taking advantage of the consumers with these outrages rates and terms. I will contact a lawyer and fight this all the way, but BigPicture loans have been paid enough plus interest.I believe BigPicture Loans are not even license to do business in state of Georgia. I will be writing my councilman and the better business bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (CO).
Issue: Application, originator, mortgage broker

Complaint: Prequalified for a mortgage and rate locked in at 2.87 % for a 5 year ARM. 
Bank of America has caused innumerable delays in loan processing ; lost documents, me resubmitting the same thing over and over, " just one more thing ''. 
Now two weeks before closing the say they wo n't approve me for the 5 year arm, just a 7 year arm at a XXXX percent, a 0.35 % rate increase. They say my income, which I have been honest about through the whole process, is suddenly too low, so they are making the payment higher. 
It is a racket. I want them to refund the mortgage appraisal fee which I paid RELYING UPON the original " truth in lending '' statement. 
What good is a " truth in lending '' statement or a rate lock if the bank can just ignore them at the final hour. It is extortion. I spent money on an appraisal based on their original disclosures and I want them to either honor their original rate lock or refund the money I outlaid, {$460.00}, because I was relying on them honoring their end of the agreement.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/15/2017 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: There are incorrect names, address and SSN on my credit report. 

Names : XXXX XXXX XXXX SSN : XXXX Address : XXXX XXXX, PA XXXX XXXX XXXX, PA XXXX XXXX XXXX, PA XXXX XXXX XXXX, PA 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 06/30/2015 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have a public record on file that should be deleted based upon payment and statuteof limitation. Item : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2017 about Debt collection (I do not know) with TRANSWORLD SYSTEMS INC (GA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I did not try to fix it because I do n't know this company and they want me to verify my personal information to people that call me. I have NO contract with this company nor have I ever heard of them.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Student loan (Non-federal student loan) with ACS Education Services (OH).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: According to XXXX at the US Department of Education Ombudsman group ( contact # XXXX ) I was to have available an option for Income Based Repayment at 5 % of my income. According to my loan provider ( ACS ), only a 10 % option is provided, which is not affordable for me or my family and has forced me into a forbearance period which I had hoped to avoid. Student loan providers should understand that charging someone $ XXXX a month is NOT an affordable option.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MO).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I do n't remember the dates but I know this started 3 months ago. I called Navient and was given a number of a company that I was informed I needed to go through to have the paperwork processed on my loan. I had to make 3 payments of XXXX that was debited directly from my account. 
I received an email a couple days ago from Navient saying my payment was going to be double what I was told on the phone. I now have my XXXX. I know school was not a mistake but having Navient might have been ... I can not afford these ridiculous payments. I 'm not making much more as an XXXX than I did as an XXXX. I certainly would have done my own paperwork to save myself more than 700 dollars if I had known that was an option. The paperwork company is XXXX XXXX. Also, I just noticed that my loan at that time was put in forbearance. I might add although Navient initially connected me with this loan processing company, today they said they ca n't tell me the name of the company over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2015 about Bank account or service (Checking account) with ASTORIA BANK (NY).
Issue: Account opening, closing, or management

Complaint: I received the Astoria bank advertisement in the mail, which states if you open a new Simple Checking Account and make three or more online bill payments of {$25.00} or more during the XXXX consecutive months, you will get {$120.00} bonus. I opened a Simple Checking Account at the branch located at XXXX XXXX XXXX, XXXX XXXX, NY XXXX on XXXX/XXXX/15. I maintain more than a minimum $ XXXX monthly balance and made XXXX bill payments of {$46.00} each for the XXXX consecutive months : XXXX, XXXX and XXXX, 2015. But I did not get a bonus. I called to the customer Service and branch regarding the bonus. They said I am not qualified. When I was opening my checking account I asked a representative when will I receive a bonus? She said after I make three payments. And now, she says I did not make XXXX payments. The ad states I should make XXXX payments. The company does not honor what they advertise. They mislead consumers and not follow their promises. Their service looks unprofessional. I will provide you with the attached documents as the proof of my statement.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2017 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I have been receiving letters from my current credit card companies stating that they were closing my accounts due to information on my Equifax credit report. XXXX just closed my accounts last week. I noticed last year that there were issues with how Equifax was reporting. All of a sudden accounts that were previously disputed & deleted reappeared and none of my current accounts listed any balances or account history. All of my new accounts were not even listed anymore. I disputed multiple times but Equifax has done nothing to correct my report. I have attached a copy of my CORRECT credit report dated XX/XX/2016 and a copy of how it is currently reporting dated XX/XX/XXXX. The XX/XX/XXXX report is SEVERELY incorrect. I have also attached proof of deletions including bogus pubic records that were deleted. 
I have also filed complaints with the BBB and the Texas Attorney General. I am suffering severe financial damages due to the mishandling of my credit information by Equifax. I have disputed so many times without any correction to my report. I am trying really hard to handle this situation outside of a courtroom. I just do n't know if I have any other option at this point than to hire an attorney if the CFPB, BBB & TX Attorney General can not help me.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Debt collection (Medical debt) with TENET HEALTHCARE CORPORATION (FL).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: I have a collection account listed on my credit reports by a debt collection agency, Central Financial Control who is not licensed to collect in the state of Florida and therefore I am disputing this collection agency

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2015 about Mortgage (Conventional fixed mortgage) with NEW YORK COMMUNITY BANK (AZ).
Issue: Application, originator, mortgage broker

Complaint: NYCB had an appraisal done on my home by an incompetent appraiser on XX/XX/XXXX, who claimed there are XXXX kitchens in my house. On this basis, they refuse to refund the loan, at a lower rate. On XX/XX/XXXX, I complained to the State of Arizona Board of Appraisal ( ABOA ), who agreed on XXXX/XXXX/2015 that there is only XXXX kitchen. NYCB insists that their flawed and incompetent appraisal report, which states there are XXXX kitchens, and therefore more than XXXX accessory unit, is correct. The State of Arizona, the highest authority in Arizona, disagrees, and claims there is XXXX functional kitchen. With XXXX kitchen, there can not possibly be more than XXXX accessory dwelling. The fair and equitable thing to do at this time is to order a new appraisal, to see who is correct. I know with 100 % certainty that the State of Arizona is correct, as was NYCB 's own appraiser 4 years ago, when they funded the home in question. NYCB also knows that I am correct. This home has not changed at all in 4 years, except that it is a little older. 
They tried to do the same thing XX/XX/XXXX, with another home, and they eventually admitted the appraisal was faulty, ordered a new appraisal, and funded the loan. NYCB just wants to keep me paying a higher interest rate, so that they make more money.

Company response to consumer: Closed with explanation