milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-12-2015 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Commonwealth Financial whose address is XXXX XXXX XXXX, XXXX, Pa ... ... ... phone number XXXX picked up a disputed account from XXXX XXXX XXXX in the amount of XXXX and submitted it on my credit report as them being them being the creditor. They submitted the same account again listed under another creditor named NE CRDTCOL for the same amount of XXXX. They have the same account listed on my credit report under XXXX different names but they are XXXX and the same. Their real name is Commonwealth Financial. as I googled the phone number they continuously call me from and it is registered to Commonwealth Financial. The number they call from is XXXX. When I call that number back, I get a person who states his name but no financial greeting. They now have listed another account for XXXX XXXX XXXX which is the same as XXXX XXXX XXXX. NE CRDTCOL does not exist and is bogus for Commonwealth Financial. They are trying to collect a debt that was not owed. I paid my co-pay and my insurance policy states if the medical servicer charges more than what my insurance pays after I pay my co-pay, that amount has to be forfeited by the servicer. I consider these vultures who seek out debs that are 5 years old or older and try to collect on them as bottom of the pond scum suckers and I have no intention of paying them XXXX cent. I have been harassed by these people for years and have had enough especially now that as of XXXX XXXX, they submitted the same account against my credit. Guess the vultures forgot they had already submitted it in XXXX. I have printed my credit report and submitted it to an attorney proving what I am saying is true and I have the phone number stored in my cell phone showing that the real culprit in this scam is Commonwealth Financial and bogus name NE CRDTCOL. I am informing CFPB just to make you aware of this fraud on their part. I have also written to all credit reporting agencies to check the original debtors on the reports and submit them to me to t urn over to the attorney involved. I have had enough and was informed of steps to take against these debt collection agency agencies. This debt happened back in XXXX and is just now being placed on my credit report. The real issue is it was paid and my insurance company will have records as well as the original debtor. I intend to sue Commonwealth financial and this bogus name NECRDTCOL to the fullest extent of the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Integrity Solution Services, Inc. (SC).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Creditor violated the fair dept collection practice act ; by not allowing me to dispute this account or validating this account because I never received any notice of this dept.

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 04/21/2017 about Debt collection (I do not know) with Recovery One, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Collection agent said that I wrote a check to  XXXX   XXXX  from a   XXXX    XXXX   XXXX  account that I do not have. He would not give me any information, contradicted information that he would give me, said the drivers license obtained in conjunction with the check was not me. I am afraid this is fraud on the collection agent 's part. He was rude, demeaning, and abusive. In fact, he acted like he was a child, whining and making fun of m e. Recovery One,   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: After signing up for automatic payments with Ditech they coded several payments as principle only and did not apply them to our bill and now they are trying to charge us for late fees. I have called the company three times and they told me it is not my fault and they will take care of it but I just received a letter informing me they are trying to collect a debt. I do not owe them anything as all my payments were made on time through their automatic payment plan.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2017 about Student loan (Private student loan) with AES/PHEAA (IL).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I received a response from a prior complaint. However, it is not adequate.  AES  has offered options for repayment that are n't feasible. For instance, the  XXXX   XXXX  has a monthly payment of {$560.00} per month. The only option they have made available would lower the monthly payment to {$480.00} per month for a short period, then increase the plan back to {$560.00}. This is not a helpful solution, especially in the short term. Moreover, they have already offered this several times when I 've asked for assistance ; each time, I 've told them how this reduction was not going to be of any help. The  XXXX  loan is more reasonable -- I have submitted the application for a Long Term Loan Modification, and if that is approved, that 's a fantastic option and I would have no further issues with those loans. But I can not continue to pay {$1000.00} a month in private student loans -- this literally leaves zero room for error. I can not afford health insurance, I can not save for a rainy day -- I have  zero  extra income for ordinary or unanticipated expenses that  may  arise. Since I 'm current on the payments, they wo n't work with me. It seems absurd to be punished for making payments on time, and to only be eligible to work out a different arrangement if I stop making payments and destroy my credit -- as well as that of my cosigner.

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have 5 accounts that are on my credit file that are due to identity theft and I have sent equifax the proper documents and they still will not remove the accounts. They told me that they cant remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I sent letters to all 2 credit bureaus telling them their was fraudulent accounts on my credit report I did n't know how they was there they did n't belong to me ..I also told them accounts was reporting wrong and inaccurate information such as open dates, wrong payment amounts and etc ..The 3 bureaus did nothing about it but sent me back a updated copy of my credit profile without investigation..I have pics to show the inaccurate information my Same accounts on credit reposts have different balances, open dates and etc .According to the FCRA all information should be truthful and correct and these bureaus are breaking the law destroying consumers report and nothing is being done about this ...

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (NC).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: On  XXXX   XXXX ,  XXXX , I calle d Card Member S ervices, to request an extension  of 6-12 months  at the rate of 0 % originally set for this card. Sharing the fact I am  XXXX , and am still impacted by the 10.7 % unemployment rate, and am working with our  XXXX   XXXX   XXXX  agency to remedy the situation, as yet unsuccessfully. I have already attempted to remedy the situation before it happened through meeting with the  XXXX   XXXX   XXXX   XXXX  agency, who applauded me for my tight budget, and told me their h elp may co st me more than help me. I feel stuck between a rock and hard place, unless an extension is allowed by the creditor. Here is a copy of the message recapping the calls which I have also posted in a message on my account at the  Card Holder  services. Their response was NO HARDSHIP ASSISTANCE WAS AVAILABLE TO ME.   COPIED MESSAGE "  XXXX   XXXX ,  XXXX  DiscoverCard undisclosed interest rate for current period being incurred.     After speaking with  XXXX ,  XXXX ,  XXXX  and finally  XXXX , explaining the impact of the current unemployment figures on the  XXXX  employable people seeking work at 10.7 % over the protracted period including both  XXXX   XXXX  and  XXXX   XXXX , I, as a  XXXX  individual, am still faced with lack of earning to support an increase in interest on my account from 0 % to 23.24 % or market based value as stated by  XXXX  and other staff, but not printed on my account anywhere of 23.74 % on my next bill. Nor have I been able to 'discover ' the disclosure, I requested from each department. I requested a disclosure in print of the new amount currently being incurred, at the rate verbally disclosed to me today of 23.74 % to no avail as I reported to  XXXX  and  XXXX  at  DiscoverCard vi a phone today, and no help with other hardship assistance. I reported to yo ur Card Member  Services representative/s who  XXXX  assures me could not help with any hardship assistance to extend the 0 % for any length of time. I asked 6 months longer if possible, and explained to  XXXX  how he  may fe el when making a credit purchase, for which the interest climbed excessively during a  XXXX  period and a statement arrived with the addition cost included in his outstanding balance. It is obvious these people do not understand the impact of going from 0 % to 23.24 % or in this case 23.74 % without the means to pay, yet it is almost guaranteed at some point they will 'discover ' how this works. Perhaps they will find a hardship assistance method in the meantime.   A copy of this message will be shared with the FTC.gov, the ConsumerFinance.gov, the ADA.gov. '' Please review with the mind of a person protecting  XXXX  rights as well as a debtor making efforts to meeting untenable terms.   Thank you. See most recent statement wit h credit score  attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/22/2017 about Debt collection (I do not know) with Integrated Recovery Services (OH).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint: XXXX Services contacted me and threatened to file charges for fraud and that I would be going to jail if I do n't contact them by XXXX. They also contacted my employer and said I was being charged with fraud. Then they contacted my parents and threatened to charge them with fraud along with me if we do n't contact them by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2017 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Credit line increase/decrease

Complaint: Logged into my Bank of America Credit Card account to make payment. Two payments had been made that month ; not late and one late payment in the cards history, over several years. Credit account with Bank of American for over a decade. 

Upon loggin into my account, I noticed it was closed the day prior. After contacting the service department, they stated that I had used excessive credit and assumed I was a risk, closing my account without notice with a balance outstanding. 

I just checked my credit score yesterday and realized that this had negatively effected my credit score by XXXX points, due to a balance being left over during closing. 

There was no notification for allowing me to transfer the balance to another credit company or at the very least, pay it off or reduction prior. 

If I 'm not mistaken, credit card companies, within the United States must give at least 45-days notice prior to closing credit accounts or changing terms.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2017 about Debt collection (I do not know) with The CBE Group, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have no idea what this debt is pertaining too. I 've never owed this company anything nor have I ever seen a bill.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: After reading the FTC website and filing an identity theft affidavit I then mailed my dispute to XXXX and Transunion notifying them that accounts were open in my name without my permission. 

I disputed the following fraudulent accounts : XXXX XXXX XXXX XXXX XXXX BANK XXXX, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2017 about Student loan (Private student loan) with GREAT LAKES (OH).
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint: On  XXXX / XXXX /  XXXX  , I contacted Great lake s Borrowing Service to discuss concerns regarding  how interest is being applied to my student loans. I have  XXXX  loans serviced by Great Lakes s Borrowing Service.    XXXX  balance is at {$20000.00} and the other is a balance of {$9300.00}. My total payment is {$270.00}. I had recently started making a small increase in my payment to {$300.00}. Over the course of  8  payments at {$300.00}, I noticed that my interest was not decreasing, but increasing. When I called to discuss my concern, it was n't until the operator looked further into the matter, when he discovered that my loan was an Adjustable Rate loan. This news was concerning to hear, because I looked on their website for information regarding my interest rate, and there is no information regarding my rate was adjustable. I requested to speak with a supervisor, and the supervisor told me that I should look to my master promissory note for full disclosure. The supervisor said he would make note of my request because he too thought that this information should be listed on the site. My issue is that I had no idea that my loan was an adjustable rate, and I was hardly getting no where with the balance. Please help, I believe that Great Lakes withheld important information regarding my loan being an adjustable rate on their website. Nothing on their website shows when and how the rate adjusts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (MO).
Issue: Credit decision / Underwriting

Complaint: My home mortgage is currently at Chase Bank and it is in good standing. I received a letter from Chase Bank the first week of XXXX 2016 offering to re-finance my loan at a lower rate, 3.125 %. The day after I received the letter I called the number listed in the letter to start the re-finance process to get the rate quoted and I was told that the letter was just a marketing letter and, assuming my credit was good, which I assured them it was, my rate would be 3.8 %. 

When I asked why I could not get the 3.125 % rate they told me that was the rate on XXXX/XXXX/16 ( which the letter stated ) and because it was a month later and rates had moved, the 3.125 % rate was no longer available. I believe this was purposely deceptive for XXXX reasons. 

First, I believe the letter was an offer to re-finance my home and not a " marketing letter '' as the bank has stated. I believe this because it was addressed to me specifically, it referenced my account number, it quoted my approximate loan balance and it quoted my current loan rate. Clearly, this letter was directed to me and it was specifically about my loan. 

Second, when I pressed to find out why I could not get the rate quoted in the letter I was told that I would have had to apply for the re-finance on XXXX XXXX, 2016 to qualify for that rate. Since I did not even get the letter until the first week of XXXX XXXX and I called the day after I got it ) I do n't think they had any intention of offering me that rate. They said further that since rates have moved since XXXX XXXX, 2016 it was no longer available. XXXX XXXX have moved but they did not move by XXXX basis points, the difference between what they quoted me when I called XXXX 3.8 % ) and what they told me I could get in the letter XXXX 3.125 % ) from XXXX XXXX, 2016 to the first week of XXXX, 2016. Further, although I was told that because I did not call on XXXX XXXX, 2016 I did not qualify for the rate quoted, I do not believe that Chase did any loans under the terms that were quoted to me in the letter, including the loans they did on XXXX XXXX, 2016, the date the letter said the 3.125 % rate applied. To support this point, under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX banks are required to collect data about the loans that they make, so it should be readily verifiable from their XXXX log that nobody got the rate that was quoted in the letter. 

I believe the letter was purposely deceptive and they had no intention of offering me the rate that was quoted. They clearly sent me the letter after reviewing my file, putting my account number, approximate loan balance and my current rate in it. I did not receive the letter until more than 30 days after the rate was to have been available. In my opinion this is a clear case of a bait-and-switch selling tactic.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2016 about Credit card () with SYNCHRONY FINANCIAL (FL).
Issue: APR or interest rate

Complaint: On XXXX/XXXX/XXXX I went to a XXXX clinic named XXXX XXXX XXXX, XXXX offices located at XXXX XXXX XXXX XXXX, XXXX Fl. XXXX seeking for XXXX treatment, they refused to accept monthly payments or payments for visits, t was very clear that I could pay every time for my treatment even if that would be 3 times per week, instead the clinic contacted Care Credit, to get me a loan so they could get paid ahead the amount of {$5000.00} I already had a credit with Synchrony Bank ( Care credit ) for {$1000.00} ( card ending in XXXX ) another credit card for {$4000.00} ( card ending XXXX ) was mailed to me and quickly charged for the XXXX Clinic, both card were given a promotional payment of 18 month, on XXXX XXXX XXXX I had a balance of {$1800.00} in the card ending XXXX, I contacted my Bank XXXX to make a balance Transfer from my XXXX credit card to Synchrony Bank to pay off the balance, but the bank sent a check with the wrong account number ( XXXX ) Synchrony bank rejected the payment and they told me I had to submit a payment on XXXX/XXXX/XXXX and a period of grace would be extended until XXXX XXXX XXXX or interest for 26.99 % would be collected of the full amount, something that I reject that, because do n't make sense and that possibility was not explained on XXXX XXXX, any way the interest were fully charged on XXXX XXXX, I sent a payment of {$200.00} on XXXX the XXXX, Synchrony Bank forgot the extended period of grace promised and they want to collect now {$2900.00} I ca n't trust the Bank anymore even if I could submit the rest of {$1600.00} today the interest of 26.99 % of {$5000.00} is already in my statement. The interest of the balance is only {$430.00} a difference of {$930.00} is too much for me specially without any employment or weekly salary. I was un-aware of this predatory lending from Synchrony Bank even when it was highly suspicious that the clinic refused to accept my weekly payments, and that was because my medical condition returned 3 month later after the last treatment, I did not that I was not supposed to be forced to pay ahead for XXXX treatments, I kept paying any way but enough is enough, and I would like to see now a copy of the check paid to the clinic by Synchrony bank just to make sure that the amount is right, further more the Florida laws allow to collect a maximum interest of 18 % in any debt.

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 02/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (VA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: XXXX and XXXX keep reporting several accounts as verified and I never received any prove stating that this was accurate. Experian sent me a letter stating that accounts could not be verified and deleted immediately. 

XXXX and XXXX are reporting one account as Bankruptcies with XXXX XXXX, and that is inaccurate I have not filed bankruptcies at all and it's no court records of that, so it couldn't have been verified and this was after a second letter. 

They are also, reporting XXXX 's which was sold off to another company and they couldn't verify the information and again Experian deleted because it was unverifiable ; as well as, XXXX XXXX which again Experian deleted, because it was unverifiable. 

I filing this and I am sending another certified letter for the third time because these things are false claims on my credit report, which can not have been verified because " Experian '' did there job and correctly removed items and I need XXXX and XXXX to do so or legal action will have to be filed due to them failing to follow section 609 ( a ) ( 1 ) ( A ), Section 611 ( a ) ( 1 ) ( A ), 611 ( a ) ( 7 ) and 611 ( 5 ) ( A ) and legal action based on ( Section 616 and 617 ) as well.

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