milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/30/2016 about Debt collection (Medical) with Richard Sokoloff, Attorney At Law (NY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I was contacted my a member of Richard Sokoloff 's office who threatened to sue me regarding XXXX outstanding debts ( less than a year old, less than {$300.00} each ). I was not notified via written mail details of the debts they were collecting to attempt, or over the phone. Due to the fact I was caught off guard by her phone call and scare tactics, I provided my credit card information to her over the phone. After researching the XXXX name, Richard Sokoloff, I realized that there are many outstanding complaints on him and that he was in fact censured and has been been disciplined by a state licensing authority. This office needs to be shut down, before more consumers are hurt and taken advantage of.

Company response to consumer: Untimely response
Consumer complaint received 03-07-2017 about Debt collection (Medical) with Peerless Credit Services Inc (PA).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: XXXX XXXX XXXX not only did not verify my information other than a name before stating I owe money, next they refused to answer my questions about their validation process and immediately were rude informed me they would mark my file as refusal to pay which at no point did I state anything to that affect and I was told the file would be turned over to an Attorney. At no point did they listen to me or have any willingness to find a resolution

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2017 about Debt collection (Medical debt) with Collection Bureau of America Ltd. (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Date reported :  XXXX / XXXX / XXXX  Original Creditor Name  COLLECION BUREAU OF AMERICA  Date Assigned  XXXX / XXXX / XXXX  Original Amount Owed {$1100.00} Amount {$1400.00} Status Date  XXXX / XXXX / XXXX  Status UNPAID Balance Date  XXXX / XXXX / XXXX  Account Designator Code INDIVIDUAL_ACCOUNT Account Number xxxxxx  XXXX   Creditor Classification Medical  or Health Care Last Payment Date Date of First Delinquency  XXXX / XXXX / XXXX  I declined the  Medical Transport a nd was not given the choice to deny. I repeatedly told this company that I did not want their service at that time. Again, they ignored me and transported me anyways.     At the time of their service in  XXXX , I was not of sound mind and was forced to proceed.     I had my husband there and he could of transported me, but they did not listen to him nor me and proceeded to do as they please.     My husband is a  XXXX   XXXX  and  XXXX  and deals with this aspect every day and knows that they had no right to go against mine or his wishes.     I would like to have this removed from my credit as I firmly believe that this was forced upon me without my consent while I was not of sound mind.      XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Transunion is reporting false information about a satisfied judgement. I have asked them to investigate this, and they have and came back and said that the judegment was valid. Attached is a letter from The Honorable Judge XXXX " XXXX '' XXXX XXXX XXXX XXXX XXXX, who claims this was never even reported to any of the XXXX credit reporting agencies. Also attached is the information that is published on my report, and my additional attempt at disputing this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NE).
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 ASKED EQUIFAX TO VERIFY AND SEND ME VALIDATION OF THEIR DOCUMENTS WITH REGARDS TO THE BK LISTED ON MY BUREAU. THEY ADVISED THEY " VERFIED '' WITH XXXX XXXX. I SPOKE TO XXXX XXXX WHO ADVISED MY CONSUMER REPORT IS FROZEN AND THIS INFORMATION WAS NOT VALIDATED. I WOULD LIKE WHAT WAS SENT TO EQUIFAX TO VALIDATE THE BK. THANK YOU.

Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2015 about Bank account or service (Checking account) with HSBC NORTH AMERICA HOLDINGS INC. (VA).
Issue: Problems caused by my funds being low

Complaint: I bi-weekly send my bank deposits from my wife 's account, and it takes forever ( five to nine days ), for my account to be credited. Well, you can guess what happens in the mean time. While they do pay checks I 've written, I get charged {$35.00} for each check processed and this can devistate my account. I 've checked my wife 's account the next day and find the funds have been deducted. If this is done on a Friday, they will take until the following Thursday to credit my account. This goes on even though I get bi-weekly deposits from XXXX, and monthly deposits from XXXX. This last credit took nine days for them to process, and credit me. By the way the bank is HSBC, having bought XXXX XXXX Bank that I was originally with, since XXXX! If I did n't live in a state where they have no branches, I could walk into a branch, have the manager o.k. the check and get immediate credit for deposit. The checks I send them have never been returned! Never! How do they get away with this?

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2017 about Debt collection (Other debt) with CCS 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: Company  : Credit Control Company I h ad insurance with   XXXX   and I did n't renew the policy but   XXXX   kept the policy going without a payment so now I am being harassed by the collection agency they have hired to collect the amount that I do not owe. My complaint is this compan y Credit Control Company has reported the same account on my credit report   XXXX   times in one month an d the account is showing up on both my  XXXX  credit report and my  XXXX  credit report which is impacting my credit very negatively. The company has not done anything to correct their error. Both credit companies send me alerts due to prior attempts of fraud in my name. This company is shady and they have no regard for the damage they are causing. The representatives are rude and will not let me speak with a higher official to resolve the issue they advised they will keep reporting it until it is paid. And to my knowledge it is illegal for the same account to be reported over and over again on my credit file. The amount is for {$190.00} they reported this account on  XX/XX/XXXX  , XX/XX/XXXX , XX/XX/XXXX , XX/XX/XXXX  and  XX/XX/XXXX  las t conversation with their company was today @ approximately  XXXX  in which the rep stated they need my full credit report to be faxed over and that I will not be doing because I 'm sure they can see each time they reported this account. The account is not new they keep reporting it like it 's a new collection account every time they submit the information to  XXXX  and  XXXX . This account goes back to  XX/XX/XXXX .

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 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: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2016 about Mortgage (Conventional fixed mortgage) with STONEGATE MORTGAGE CORPORATION (OH).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage is through Stonegate Mortgage Corporation. It has been for two years. For XX/XX/2016 I did not receive my payment coupon to make my payment. Knowing it was due, I used a statement from XX/XX/XXXX to obtain a mailing address for payments so I could mail my payment on time. The payment was mailed on XXXX/XXXX/16, before the late payment date of XXXX/XXXX/16. On XXXX XXXX, 2016 I noted in my bank account that the payment had not cleared. I contacted Stonegate to inquire and they informed me that they had a new payment PO Box as of XXXX XXXX and sent me a letter on XXXX XXXX with the change of address with my coupon. However, I did not receive that mailing. With a check # XXXX now lost in the mail I asked the representative at XXXX to waive my late fee of {$40.00} so I could pay with check by phone and that I would go to my bank, XXXX the next day and stop payment on check # XXXX that was now lost. They refused to waive the late fee and offered to waive the payment by check fee. I stated I would first go to the bank and check on the stop payment fee before proceeding with check by phone. When I went to my bank on XXXX XXXX, 2016 I was charged a fee of {$33.00} to place a stop payment on my check. I then called Stonegate again and initiated a payment by phone but again asked to have them waive the late fee of {$40.00} and they refused. They are not taking any responsibility that I never received their change of address letter that they claim was sent to me on XXXX XXXX. For resolution I want the {$40.00} late fee waived, Stonegate to reimburse me the {$33.00} stop payment fee, and my credit report to not have a negative report due to a mail error.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/25/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: navient should have discussed other repayments plans like IBR with me when i was applying for forbearance. i had to learn about it from the internet. i could have been paying toward the 25 year plan while i was making way less money.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (MI).
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint: I call the bank on XX/XX/XXXX to add a mailing a address to my newly approved Wells Fargo XXXX XXXX card, they told me to call back on the next business day to update that info. then call back the XX/XX/XXXX, got the info updated and was awaiting for new card to arrive in the mail the said it will take 5 to 7 day. I called the XX/XX/XXXX spoke to female she said there was no card there for me no even my XXXX card, she hung up call back go to male buy the name of XXXX he told me that the card was shipped out on the XX/XX/XXXX he also said I should give it two more business days because there might be a delay. I waited until the XX/XX/XXXX the card did not arrive call the bank then they say that they are send me my card express, they could n't do they said that there are fraud on my account. I the bank today XX/XX/XXXX one rep told the account was closed hang up I called ask for supervisor then a manager when I spoke with the manager she said everything is gon na be ok she is gon na have a department call me back to fix the issue I have within 2 hours waited 3 hours no call the name to the manger was XXXX, After waiting for the call I call ask for a supervisor got connect to one by the name of XXXX I explained to bill what happened then he said that 's not what he is seeing in the note he checked twice still nothing when I played recording from XXXX 's call when he checked the 3rd time that when it magically appeared back in the note the he advised me that no one will be calling me back. they are note treating me right Wells Fargo should be more customer friendly and let the application process be smooth

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 11-08-2016 about Money transfers (Domestic (US) money transfer) with CITIBANK, N.A. (CO).
Issue: Other transaction issues

Complaint: After cancelling my XXXX XXXX in XXXX of 2016, I received a preloaded visa debit card with a refund of XXXX on it. Enclosed with this card was information on having the moneys transferred to my bank ( XXXX XXXX XXXX ). I filled out the form for Citi Bank and requested them to transfer the moneys, these moneys have never to date made it too my account. I was given a case # by XXXX XXXX. I have contacted Citi bank several times in the last six months and all I am told is that the funds where sent and this case is closed and I should contact my bank. I have contacted XXXX and they told me today finally to call back Citi and ask them for the XXXX # and the ACH tracing # and the Settlement Date. Today XXXX/XXXX/2016 I did contact Citi for this information and was told by them that there was no XXXX # or ACH information for this Visa account ( card XXXX ). I was also told that if the moneys did not get to my XXXX account that the card would automatically be put back on the card. That is very interesting as on the back of this card it is clearly marked non-reloadable! I believe what has happened here is that I yes I missed placing a ( XXXX ) in the bank transfer number info. For my account info I typed in XXXX, this number should have been and is XXXX. I have tried diligently to explain too Citi that I made this mistake and request them to investigate and either reload the card or issue a new card with the money due me XXXX, They have done absolutely nothing and are at this point just giving me the run around. I did also make certain that Citi had the correct routing number XXXX. I am very frustrated to this point and would respectfully request your support and help in this matter. I feel that although this is my error for not getting my bank number correct, this is still money owed me and in fact with this information that I have supplied Citi it should be a fairly easy problem to correct. I believe that Citi just plain does not want to do what is the correct thing and make certain that I receive the moneys due. Sincerely and Respectfully XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Co XXXX tele : 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 05/29/2016 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: i had XXXX with no income coming in i fell behind. I explain this each and every time i 'm contacted. I could n't make the agreed scheduled amount so i send what i can get from family and friends. 
That 's when the calls started coming daily up to 6 times a day starting from XXXX until XXXX XXXX including weekends. I know i owe this debt and looking for work as the Doctor recently released me back to duty with limitations so it 's hard trying to find work with limits. 
But i am trying.

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 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OR).
Issue: Problem with fraud alerts or security freezes

Complaint: It has been XXXX weeks since Equifax learned of a massive data breach. My data was among that potentially stolen. My state requires expeditious notification in the event of a data breach ( XXXX XXXX XXXX ), yet I have yet to receive any direct communication from Equifax. Further, my only recourse at this point is to freeze my credit file, a service the company CHARGES FOR! Equifax failed in its security obligations, failed in its notification obligations, and now seeks to profit off a disaster of its own creation. 

Please use whatever authority at your disposal to force Equifax to freeze credit for those affected, AT NO CHARGE. I would also encourage you to push for free credit monitoring FOR LIFE. Roughly half the adult population in the US was affected. A year of credit monitoring is an insult. 

Further, please encourage the Congress to look into instituting a National ID with multiple levels of authentication so we can finally move away from using SSNs for everything. 

Lastly, this industry should charge its fees on the inquiry side. Consumers should have year-round access to their credit profiles, and convenient dispute mechanisms. My credit report is full on inquiries from companies seeking to sell me services. They are the ones that should be paying, not me. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2015 about Mortgage (Home equity loan or line of credit) with CITIBANK, N.A. (AZ).
Issue: Loan modification,collection,foreclosure

Complaint: I recently did a refinance on my XXXX mortgage with XXXX ( I believe it was a HARP refi ) and they were able to get my interest rate down to 4.25 % from 6.75 %. This reduced my payment by {$500.00} per month ( Kudos to XXXX ). But the problem that I have is actually with my XXXX mortgage which is with Citibank. With Citibank, I am stuck in a 8.125 % interest rate loan with huge balloon payment due in 5 years. Over the past 10 years, I have only managed to pay {$5700.00} in principal against the original {$57000.00}. Aside from the {$15.00} in interest I pay on a daily basis, I ca n't see how I will make the balloon payment unless I win the lottery. The loan was part of an XXXX piggyback deal predicated on the market going up. When the market tanked, my house lost half its value and I am still underwater. When I called Citibank on XXXX at XXXX PDT I spoke to XXXX different representatives : XXXX, XXXX and XXXX. It was very confusing being transferred between departments. They kept asking for the same information which I provided XXXX different times counting the automated system. The end result was XXXX telling me that Citibank ca n't help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
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 noticed this on my credit report - I do n't know what this is. I requested validation from them as soon as I saw it, XXXX send by XXXX with proof, attached ). They have different names listed with the same address. It is listed under XXXX as. XXXX XXXX XXXX XXXX XXXX, XXXX, WI XXXX, ( XXXX ) XXXX. Listed under XXXX as XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX. Listed under transuion as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WI, XXXX They have failed to validate over and over. According to federal law, if they do not provide me the validation information in a timely fashion, they can not hold me liable, especially when I have no idea what it is for. They have not provided it. I contacted the XXXX credit reporting agencies. I am writing to dispute the account referenced above. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. I enclose copies of my requests to the agency, asking them to validate my debts, and the receipts showing that I sent these letter. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. I have also requested this information before and they failed to respond

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 01/23/2018 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (NY).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I do not owe this debt. I have submitted paperwork to them for proof. They call me relentlessly after I have asked them to stop. They are unfairly reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There is a XXXX account being reported on my credit report that does not belong to me. I have disputed this account with XXXX and received a letter from them stating that I did not authorize to be added on this joint account XXXX and should no longer be reported on my credit. I have forwarded this information to Experian to have it removed and they performed an investigation witch did not remove it from my credit report. 
XXXX Inquires from XXXX were removed but not the derogatory account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation