milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-10-2016 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: As of now, the issue I have is with XXXX XXXX and not with any credit bureau. XXXX XXXX claims to have pulled a hard inquiry on my credit on XXXX XXXX, 2015, which is reflected in my Equifax report, potentially harming my score. I do have a pending dispute with Equifax ( confirmation number XXXX ), filed today. However, prior to lodging the dispute with Equifax , I contacted XXXX directly and was told, after about an hour on the phone with them/dealing with dropped calls, that although I DID NOT authorize an inquiry into my credit in 2015, they were " unable '' to remove reporting of the event because it was " too old. '' I had an account with XXXX at a prior residence ( XXXX XXXX, XXXX ) and had asked them to transfer my service to my new home in XXXX, XXXX as of XXXX 2015. They failed to properly close my New Jersey account and thus were " unable '' to transfer it to XXXX. After weeks of trying to hold their hands through the process of determining what was so difficult about this process, I realized I was getting nowhere and gave up. It took me another several weeks to address that they were beginning collections for my XXXX account, which I had closed and paid in full, because they did n't close it properly. My concern is that this hard inquiry on my credit was a component of their incompetence during this time. I never authorized an inquiry and although I am hopeful Equifax will remove it without conflict, I want to report this practice by XXXX to the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Hunter Warfield, Inc. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: This account has not been verified according to FCRA, FDCPA, Federal and State consumer laws.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2015 about Money transfers (Domestic (US) money transfer) with FIFTH THIRD FINANCIAL CORPORATION (NM).
Issue: Other transaction issues

Complaint: Fifth Third Bank completed only one of 5 requests for transfer of funds with bogus reason. Charges fees for each transfer & commits the petty fraud of not providing the service, being a not-yet-ready for the Big Leagues of XXXX, where major fraud can be committed with impunity -- -5th Third, still only a junior partner in ruling the corporate criminal state. 
" This is to notify you that the external transfer request referenced below has been canceled due to service is currently not available for the selected accounts. ''

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2017 about Debt collection (Medical) with Credence Resource Management, LLC (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I woke up in a hospital on someday in  XXXX . It 's  XXXX  and I 'm getting repeated phone calls from a collection agency stating that I owe over a {$1000.00} dollars for an ambulance ride. I had active medical coverage at the time. This should have been billed to my insurance because it was active during that time.     The ambulance company ma de zero at tempt to notify of my bill. The bill was never mailed to my address , ( wh ich they had on file ), and no email was ever  sent ( which they have my email as well ). And no p hone calls were made in an attempt to reach me.     Now it is too late for this bill to be ran through my insurance because the claim is too old.

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 07/18/2016 about Consumer Loan (Pawn loan) with TMX Finance LLC (FL).
Issue: Charged fees or interest I didn't expect

Complaint: I have a case number XXXX I would like to add to it after I went up there Georgia on Saturday XXXX/XXXX/XXXX. I received documents of my account. I have paid out {$8800.00} on a {$2400.00} loan. the paper work shows {$5000.00} on XXXX/XXXX/XXXX which I gave them back {$2500.00} back on XXXX/XXXX/XXXX. XXXX. They tell you their internist is 11 %. but if you look it is actually 109.3767 %.. Saturday they wanted me to sign a new contrast which puts me back where I started. I can not get my car reposed so what do you do. I ca n't keep paying them all this money. They are a scam. I have medical issues and other things going on. I am a XXXX income family. I need some help here.I have been doing this for two years I want out. Help me!!!!!! I have to have my car to get to work.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2015 about Consumer Loan (Installment loan) with JPMORGAN CHASE & CO. (GA).
Issue: Problems when you are unable to pay

Complaint: In XXXX 2013, I was unable to pay the mortgage. I had a bad renter that I had to evict, and the situation drained our savings to keep paying the mortgage. We have XXXX small children, and we ca n't choose Chase over our children. I called Chase Bank to let them know the situation and to see if I could make a few smaller payments to get caught up again. I had also called them prior to the missed payment letting them know I may not be able to pay if we could n't get a renter in place in time. They said they could n't help unless I was 90 days late and would n't even talk to me about any options. After I missed the XXXX payment, I hired an attorney to help. At this point, Chase told us that they would not issue any late fees or report any late payments to the credit agencies. They honored that for a few months, then the late fees started and so did the reporting to the credit agencies. They keep reporting that I 'm 30 days late with each payment, but there has only been one month that I was late because I did n't have the money to pay it. I 'm not asking to have that payment forgiven, I just wanted to work out an option where I could afford to pay the late payment back over a few months. We were able to get a renter in place to cover the XXXX payment, and we have n't missed another payment since. 

I work at a financial institution, and these practices by Chases are putting my job in jeopardy. All I wanted was to be able to work out a small payment plan to get caught up, and now I may have to sue Chase in order to make them do what they said they would do, which is to waive the late fees and not report any late payments to the credit agencies. I have been fighting this battle for a year and a half because Chase continues to use bully tactics to bully customers in to doing things the way Chase wants them done, not the legal way to have them done. If I lose my job over Chase 's practices, I will take them to court and sue them over this. It seems that Chase would rather you miss XXXX payments in a row in order to start a foreclosure process. Seems like a way to make extra money by bullying customers in to foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2017 about Checking or savings account (Checking account) with BB&T CORPORATION (VA).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: It 's XX/XX/XXXX, and i worked an six hour shift in XX/XX/XXXX and it said i made {$XXXX} i make {$XXXX} an hour there is no way i only made {$XXXX} out of six hours and my bank info is wrong.

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 08-11-2015 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I HAVE PAID A JUDGEMENT TO IRS IN XXXX/XXXX/2013 I HAVE THEDOCUMENTHEHEE DOCUMENT IN FRONT OF ME I STILL HAVE THE JUDGEMENT ON ALL THEEETNT ON ALL XXXX CREDIT COMPANIES I HAVE TRIED EVERYTHING TO NO AVYTHING TO NO AVAIL

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2017 about Debt collection (Medical debt) with OPTIMUM OUTCOMES, INC. (NC).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Recently while conducting a monitor of my credit report I discovered that OPTIMUM OUTCOMES #  XXXX  has furnished some items that have unverified information. I believe under  the Fair Debt Collections Practices Act , I have the right to request that you allow me to validate the alleged debt. I am aware that there is a debt from OPTIMUM OUTCOMES but I am unaware of the amount due and your bill does not include a breakdown of any fees.   Additionally, I am allowed under the  HIPAA  law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT  OF 1996 ], to pr otect my privacy and medical records from third parties. I do not recall giving permission to    XXXX   XXXX   XXXX   XXXX   to  release my medical information to a third party. I am aware that HIPPAA does allow for limited information about me but it is to only be revealed with the patients authorization, therefore my request is twofold and as follows, Validation of Debt, and  HIPAA  authorization.   1.Please provide breakdown of fees including any collection costs and medical charges  2.Provide a co py of my signature with the provider of service to release my medical information to you.    3.Cea   se any credit bureau reporting until debt has been validated by me.
4.Please send this   information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA.   Please note that falsification of the information you received from any medical provider can be percieved as a  HIPAA  compliance violation as well as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. 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 may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2015 about Debt collection (Credit card) with AMERICAN EXPRESS COMPANY (AZ).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: After transmitting a Certified, Return Receipt " Cease and Desist Contact '' letter to XXXX. ( A debt collection agency - herein " XXXX '' ) on XX/XX/XXXX, I was extremely surprised today, XX/XX/XXXX, nearly four years after said letter was received by XXXX, to have received a call from this same debt collector. The man asked to speak to me by my first and last name, asked to verify my year of birth, and then proceeded to identify himself as being from XXXX and that the purpose of the call was to collect a debt. After confirming that the man was in fact calling from XXXX, I simply disconnected the call, and began filing this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/15/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (MN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I pulled my XXXX Credit report on XX/XX/XXXX. On XX/XX/XXXX I contacted XXXX to update and correct my personal information. One of the things I was seeking to correct was a misspelling of my maiden last name, listed on my report as XXXX. My maiden last name is correctly spelled XXXX. I was informed I could not remove this misspelling because it was tied to an account being reported by Diversified Consultants. I informed the rep that I have not ever conducted any business under the last name of XXXX and this has never been my name. She initiated a dispute at this time. On XX/XX/XXXX I received an email stating the results of my dispute were in. This account came back as verified. I was provided with no information as to how this account was verified. How can an account be verified under a name that is not mines? I have conducted no business under this name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/23/2015 about Debt collection (Mortgage) with ONEMAIN FINANCIAL HOLDINGS, LLC. (NC).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: After agreeing to make payments from this summer until loan was paid off, they agreed to this. Now I sold my home on XXXX XXXX XXXX XXXX, XXXX, NC, Springleaf has refused to re assign the property lien over to me so that I can avoid foreclosure. If the " short sale in lieu of foreclosure '' does n't close by XXXX XXXX, 2015, the home will be foreclosed. Please have Springleaf reassign the lien to me so that I can avoid foreclosure. I do not get proceeds from the sale.The loan manager on XXXX XXXX, by previous name American General, came on to me as harsh and rude. Now I am working with that home office to stay away from him, XXXX XXXX, XXXX XXXX XXXX XXXX, NC.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (GA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I have received phone calls regarding money I do not owe.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2017 about Vehicle loan or lease (Loan) with Portage Financial Services Company Inc. (OH).
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint: The final payment was made on XXXX/XXXX/XXXX for a car that was financed thru XXXX XXXX XXXX. I received confirmation from the automated system that the XXXX payment was accepted. I received not only the confirmation from the automated system, a passtime code was also sent to the vehicle, confirming that XXXX received the final payment. I contacted the company a few days after making my payment to inquire about the release of the title. I was told by the XXXX XXXX XXXX that the she would contact me once the title was at the dealer. On XXXX, I received a call from XXXX XXXX stating that the payment was returned from my bank for nonsufficient funds. I knew this was untrue so I requested a copy of the written statement from the receiving bank detailing why the payment was returned. I have yet to receive the information. I 've been provided with information coming directly from the XXXX system showing they returned the payment but will not provide details as to why. I also know that the funds cleared the bank because the confirmation number was provided. If the payment was not successful, I need to understand why the automated payment system used by XXXX is sending false confirmations of payments to its consumers. XXXX XXXX is forcing me to repay the debt and refuses to honor the terms of the note. The vehicle was XXXX while I was at work. I was unable to travel in my property to my destinations including picking up my family from their daily routines. I would like XXXX XXXX to honor the contractual obligation and release my property or provide me the written statement from the receiving bank detailing why the payment was returned. I have yet to hear from my bank regarding any discrepancies. XXXX is rude and very disrespectful. I had to start recording the conversation with her to get her to act accordingly. I am being forced to pay another {$1000.00} to satisfy XXXX since she did n't accept the payment. XXXX XXXX is acting in dishonor and bad faith by refusing to honor the contract and release my property. This is theft ad coercion. Please help

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2016 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: My loan went into foreclosure due to my being in an accident. I was placed on a repayment plan to get the loan out of foreclosure with my first payment being due in XXXX 2016. I made the first payment with no problem. The second payment was due on XXXX XXXX and I made the payment on XXXX XXXX. I overnighted the payment on XX/XX/XXXX and it was received on XX/XX/XXXX. The XXXX was a Friday so I called on Monday to make they had received the payment and posted it. I was told that my repayment plan had broken on the XX/XX/XXXX. I asked why did the plan break and they advised due to non payment. I then asked how many days after the first do I have to make the payment before the plan breaks as the payment was n't even 30 days late. I agree it was n't made on the XXXX but I have never heard of a plan breaking after 18 days. The mortgage company stated to me that there is no set date for the plan to break, just whenever they review it and see there is no payment made. Also let it be noted that I have spoken to them several time during the month and not one person told me that the plan would break on XX/XX/XXXX. I thought I would have at least 30 days before the plan broke. When I spoke to the company on Monday the XXXX I was advised they would try to restart the plan and asked me when could I make the XX/XX/XXXX payment. I advised I could make the XX/XX/XXXX payment on XXXX XXXX. On Tuesday the company called me and stated they could not restart the plan because the plan broke on XX/XX/XXXX and the payment I made on XX/XX/XXXX would be sent back to me. 
I have worked in mortgage servicing for the last 14 years and I have never seen a repayment plan break in less than 30 days and this one broke on the 18th day. Furthermore this was my first repayment plan, and to also refuse to set the plan back up with an explanation that the payments have to made by so many days after the due date or the plan will break is not fair. Especially when I sent the payment in, certified funds, and now they are just down right refusing to accept the payment and are sending it back. 

I am someone trying to keep my home and to just refuse to accept the payment and send it back is not right. I could see if the payment was not made in XX/XX/XXXX but it was.

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 07/30/2015 about Credit reporting () with Experian Information Solutions Inc. (NV).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX agreed to remove all collections from the credit report and the reporting agency refused.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-02-2016 about Student loan (Federal student loan servicing) with NELNET, INC. (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Dear Consumer Financial Protection Bureau Representative ( s ), I have received a federal direct subsidized student loan while attending XXXX XXXX XXXX, Maryland. Now I transferred to XXXX Maryland XXXX XXXX XXXX to earn my XXXX 

However, Nelnet Student Loan Servicer, my student loan servicer has already started accruing of an interest while I am still at school. Although I have contacted them several times to remove the accrued interest in my account, they refused to do so because they claim that since I already XXXX from XXXX XXXX XXXX with XXXX, I am responsible for the interest accrued since my XXXX date ( XXXX XXXX, 2016 ). I have repeatedly said that I am still at school ( XXXX status ) pursuing my XXXX XXXX XXXX at XXXX Maryland, XXXX XXXX. In addition, they also claim that non-school days such as break times, winters and summers are considered as " out of school status '' where the interest starts accruing which is NOT true. In addition to my previous knowledge, the information I found, about Direct Subsidized Student Loan, on the Federal Student Aid 's website ( on the Q & A section ) says : " Question : Do I become responsible for paying the interest that accrues on my Direct Subsidized Loans because I graduated from my prior program prior to or upon meeting the XXXX percent limit, and enroll in an XXXX program that is the same length or shorter than my prior program? Answer : NO '' I am contacting you because I am in a big frustration -- I keep receiving the same response from the subordinates and supervisors at Nelnet. I believe there should be a fraudulent activity in this " loan servicer '', and I suspect that other students might have also been impacted by these related illegal activities. 

I kindly request you to launch broader and deep investigation about all the activities that Nelnet has been doing because I feel that I am being defrauded. 

Thank you for listening.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: several inquires on report that are unrecognized, plus they are none account holding inquires thats not from an employee orinsurance. 

Experian business credit XX/XX/XXXX unrecognized inquiry XXXX credit/XXXX select XX/XX/XXXX unrecognized plus none account holding XXXX XXXX XXXXunrecognized plus none account holding inquiry XXXX XXXXXX/XX/XXXX unrecognized plus none account holding inquiry XXXX XX/XX/XXXX unrecognized plus none account holding inquiry XXXX XXXX XX/XX/XXXX unrecognized plus none account holding XXXX XXXXXX/XX/XXXX unrecognized plus none account holding XXXX XXXX XX/XX/XXXX unrecognized plus none account holding XXXX XXXX XX/XX/XXXX unrecognized plus none account holding XXXX XXXX XXXX XX/XX/XXXX unrecognized plus none account holding XXXX XX/XX/XXXX unrecognized plus none account holding XXXX XX/XX/XXXX unrecognized plus none account holding XXXX XX/XX/XXXX unrecognized plus none account holding XXXX XX/XX/XXXX unrecognized plus none account holding XXXX XXXX/XXXX XX/XX/XXXX unrecognized plus none account holding XXXX XX/XX/XXXX unrecognized plus none account holding ive filed several disputes asking for proof of inquiries but only got a response back that they were confirmed

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