milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-08-2018 about Debt collection (Medical debt) with United Revenue Corporation (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I pulled my credit report and noticed a medical debt had been reported to the credit bureaus. I sent a letter requesting VALIDATION and in return they sent me a bill requesting payment in the amount of {$1200.00} I asked for validation of the account including the services rendered the amount of each service along with my signature releasing the authorization of my personal health information. This is a HIPAA violation.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2017 about Checking or savings account (Checking account) with REGIONS FINANCIAL CORPORATION (TX).
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint: I was notified that a personal checking account was fraudulently opened online with a bank that I have never even heard of. I have never lived at the address they have on file for me which they say they sent debit cards and checks to. I have attached to this a copy of my current lease showing where I currently live. If you check the dates of my lease you will see that I lived at my address long before and after these accounts were opened, abused and closed.

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 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (OH).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax was grossly negligent in the security of consumer data that they collect without consumer 's consent. It is on them to ensure the security of that data. Unfortunately they do not properly ensure the security of the data and instead are able to profit by providing services to monitor for identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2017 about Student loan (Private student loan) with BANK OF AMERICA, NATIONAL ASSOCIATION (OH).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: The cfpb contacted Bank of America and you did n't resolve my Parent Plus loan of {$42000.00} problem. Your agency admitted that Bank of America added on origination fees of over {$10000.00} on a loan of {$20000.00}, plus interest totaling  XXXX  in less than one year. Bank of America owned the  XXXX  and it was supervised by   XXXX   XXXX    and  XXXX . All of these agencies are " highway robbers an thieves. There is not on government agency in America that has made the accountable. Bank of America refused to send my private attorney   XXXX   XXXX   the response letter. I do n't even have a copy ...
In closing I am a   XXXX   year  XXXX  patient with 10 years of payments and a remaining balance of {$25000.00}, is there any HELP in America?

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 03/14/2017 about Consumer Loan (Installment loan) with PNC Bank N.A. (IN).
Issue: Managing the loan or lease

Complaint: My grandmother XXXX took a loan to refinance her home. When she took out the loan it was with XXXX. That bank has since switched to PNC. In 2011, my grandmother passed away. The executor of the estate is my mother XXXX. The home was willed to me. I have been paying on the loan for my grandmother since before she passed away. PNC will not give my mother or myself any information regarding the loan. They are stating that we need to tell them how much the loan was for. However, my grandmother has long passed and took that information with her. My mother and I believe that we are really close to a payoff amount and would like to have the information to pay the loan off and get the title. However, the bank is giving us the run around and wont give us any information, though my mother is executor of the estate, regarding the loan or the payoff amount. PNC is withholding information regarding the home and will not allow us to pay the home off to obtain the lease. Please HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX XXXX is reporting inaccuracies on all three credit report. I have pictures which I will attached. I want my credit reports to be accurate as possible. Since there is no real VALIDATION of these I am asking that these get erased please. I 'm looking g to purchase a home and need my reports to be true and correct. I have sent a letter in the past asking for this to be fixed. Thank you in advance.

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 07-10-2017 about Debt collection (Mortgage debt) with Specialized Loan Servicing LLC (NC).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: 1 ) Notice of foreclosure from XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX ) dated XX/XX/XXXX states the Creditor to whom the debt is owed as XXXX XXXX XXXX, XXXX. s/b/m/ to XXXX XXXX XXXX  XXXX. ( enclosed ) 2 ) The true secured creditor was revealed by XXXX as being XXXX XXXX XXXX XXXX XXXX, based on a qualified written request. ( enclosed ) 3 ) XXXX XXXX XXXX XXXX XXXX ( XXXX ) became the secured creditor and owner on XX/XX/XXXX. This fact was confirmed by both XXXX XXXX and by a Declaration and Affidavit of an expert witness. ( enclosed ) 4 ) We recently received Notice of sale for XX/XX/XXXX from XXXX XXXX  XXXX on behalf of XXXX XXXX XXXX. ( enclosed ) The action against us was initiated in XX/XX/XXXX on behalf of XXXX XXXX XXXX XXXX as Owner of Note as shown in the letter from XXXX XXXX XXXX XXXX, XXXX. Clearly XXXX XXXX XXXX XXXX XXXX has been the owner of the Note since XX/XX/XXXX. This home was erroneously foreclosed by the improper party.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I 've been working with XXXX XXXX XXXX, XXXX. since XXXX XXXX, paying them {$100.00} each month in order to have my debts with XXXX XXXX and XXXX University " settled '' or " dismissed ''. I began receiving calls from Navient in XX/XX/XXXX/XX/XX/XXXX saying that they had taken over my account from XXXX XXXX and needed to speak with me regarding my accounts. Having been informed by XXXX not to speak to any of the companies regarding my debts, but to refer them to XXXX, I attempted to contact XXXX to resolve the issue. I did n't hear back from XXXX either in XX/XX/XXXX or XX/XX/XXXX despite continued efforts on my part, calling into the office, leaving voicemails, being disconnected when the representative said they were transferring me to an account specialist. In speaking with Navient to try to help with the communication between the XXXX companies I learned that Navient was willing to try to discuss a settlement offer, and left voicemails with XXXX letting them know. I also gave Navient XXXX 's contact information, but was informed later on that XXXX was not getting back to them. 
In XXXX XXXX I placed a stop playment on my account to prevent XXXX from withdrawing the XXXX under their XXXX XXXX XXXX automatic payment. Once the stop payment was placed, XXXX once against starting contacting me, saying that they were working on my account, had only been authorized under our agreement to work with XXXX XXXX directly ( not Navient ), and would bring my account current and continue work to resolve my student loan debt, requesting that I release the stop payment. Due to financial difficulties I chose not to release the stop payment and was surprised to see that they had successfully withdrawn two payments ( one being a back payment ) of the {$100.00} a couple weeks later ( in XXXX XXXX ) by drafting checks payable to XXXX. I issued a second stop payment in XXXX XXXX only for them to once again change their method, this time drafting a check payable to XXXX XXXX XXXX. 
I have recently been contacted by XXXX XXXX XXXX, XXXX saying that they are now working with XXXX and taking over several of their accounts. I did a little research and was disturbed to find out that XXXX uses the same services and companies to withdraw money from their clients accounts. I also called Navient and found out that my account has now been placed in collections with a separate legal group who were completely unaware of my working with XXXX. I have not signed any agreement with XXXX and based on my research do n't plan to. 
I also worked with XXXX XXXX XXXX to resolve my federal loans through XXXX XXXX between XX/XX/XXXX and XXXX XXXX, paying them {$140.00} each month only to be told in my last conversation with OMP ( XXXX/XXXX/XXXX ) that those loans may still be outstanding.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (NV).
Issue: Loan modification,collection,foreclosure

Complaint: Completed and submitted a Making Home Affordable application with lender Green Tree Servicing. Attempted to contact Green Tree/Lender by phone and email on several occasions, leaving messages each time and have never heard back from them other than to send a letter stating they denied my application. There is additional information concerning the application that I have been unable to convey to them due to their lack of communication concerning the application. Now a " Notice of Trustee 's Sale '' on date XXXX/XXXX/15 has arrived on my front door. Green Tree/Lender does n't appear to be interested in anything but foreclosure. Assistance would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX XXXX/XXXX/2016 URGENT!!!!!!! 

THIS CALL NEEDS TO GO TO YOUR COSTOMER SERVICE DAPARTMENT!!!!!!! 

XXXX XXXX CHAPTER XXXX MUST BE REMOVED PER THE ORDER SEE ALL DOCS LAWSUIT FOR HAS BEEN FILED AND APPROVED YOU MUST COMPLY WITH ORDER SEE ALL DOCS READ PAGEXXXX OF DOCS COSTOMER SERVERICE HAS NOT CALLED ME BACK YET!!!!!!! 
YOU CAN REACH ME AT XXXX OFFICE OR XXXX CELL

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 05/23/2016 about Debt collection (I do not know) with Professional Debt Mediation, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I recently requested a copy of my consumer credit report and I discovered that this creditor was reporting a debt that I do not owe. I researched this debt which was linked to residential address that I am in no way associated with.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (ID).
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   XXXX   Divorce :  Ending marriage contract between myself and ex-spouse. Account balance on " Account '' was {$0.00}. Divorce states to hold harmless each other of all future debt occurring after date of separation  XXXX   XXXX ,  XXXX  -  XXXX   XXXX   XXXX  : Ex-spouse and new husband get a medical procedure for new husband and use " Account '' to pay for procedure. Current balance on " Account '' (  XXXX   XXXX   )  owed is {$4100.00} -  XXXX     XXXX  : Ex-spouse and new husband file bankruptcy and include " Account '' on it  XXXX  : I find out about account past due balance and bankruptcy. Already had affected my credit report and rating. I hired attorney, attorney contacted " Account '' and sent letter on my behalf stating reasons, and citing court cases for my residing state, as to why this is not my debt. " Account '' has been reporting negative, past due, and charge off on my credit report. Been disputing with Equifax,  XXXX , and   XXXX    regarding the " Account ''.  XXXX  has deleted it from my report. Provided additional information and details in writing and online to Equifax &  XXXX , with no result of deletion from my Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2016 about Debt collection (Medical) with Unlimited Progress Corp (IL).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I informed the collection agency that my insurance company would be handling the account and that they should contact them. I gave them my insurers information and they failed to contact them and continues to call me.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Payday loan, title loan, or personal loan (Personal line of credit) with COMMUNITY CHOICE FINANCIAL, INC. (VA).
Issue: Problem when making payments

Complaint: I asked the company verbally as well as in writing via CFPB to STOP ACH withdrawals from my checking account. They also harass by calling  6-7 ti mes per day from out of state numbers and not identifying themselves on the voicemails. I return the call the reps are extremely rude and hung up on me.

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 07-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
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 have contacted Equifax credit reporting bureau on several occasions regarding disputes concerning inquiries that were fraudulent or placed in error. I also contacted them regarding a collection account that was never verified after numerous attempts, in which they failed to remove. The collection which is listed under XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. I have reached out to this bureau several times regarding this matter. I also sent them a certified letter by mail requesting proof of this debt in XXXX of this year and have never heard anything back from them. I 've filed several disputes with Equifax and to no avail, they all come back within 2 days confirming validity. I also disputed the inquiry with XXXX XXXX, XXXX and XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, which is my credit union. I contacted all of these companies by phone to dispute this error and they all told me to dispute it with the bureau and they would remove these erroneous transactions which I never authorized but they always come back verified. I spoke with my bank on the XXXX/XXXX/XXXX to inquire about a inquiry and they also told me it was place in error they would be happy to remove it but they were never contacted by Equifax. Equifax is ruining my credit by not properly investigating my complaint. When I contacted Equifax to verify the method they used to validate these accounts, the representative told me they do not know what method was used. It is my right to know how the debt was validated but according to them I do not know. Equifax is not a reputable company and in their quest to profit, they are allowing these erroneous inquiries to remain on my report to benefit them. This is an unfair and unlawful practice that I will not stand for.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Diversified Consultants, Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have repeatedly tried to solve this problem in my own. A XXXX balance continues to be reported to XXXX and XXXX. It was disputed many times. Diversified Consultants says they have submitted updates to XXXX and XXXX that the account has been paid in full. XXXX and XXXX continues report that they have verified XXXX as the correct balance when it is n't.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I 'm writing this complaint because I have an account on my credit file that is not correct and should not be reporting. The collection agency XXXX XXXX is reporting an account for XXXX for the amount {$590.00}. I do not owe this amount to XXXX before leaving all accounts was paid in full. This account is reporting to be open in XX/XX/XXXX or XX/XX/XXXX, so this is why I do not have any receipt to show my XXXX balance because I was not aware they would just not in XX/XX/XXXX put this false information on my credit file. Please I 'm requesting this account be removed and I also have disputed this account multiple time with the credit bureaus and they are not doing a proper investigation. Just because they can verify information does not prove I owe any account balance. What I do not understand why they choose to wait until this year to report this inaccurate information. Also I have had this account deleted before from another collection agency. I file a complaint previous with all XXXX credit bureaus on XXXX XXXX, XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-11-2018 about Debt collection (Credit card debt) with EQUIFAX, INC. (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I reached out to these companies back in XXXX I disputed XXXX XXXX, XXXX and XXXX XXXX. I asked the companies to send me an original signed contract with my signature and they sent me these documents. I had XXXX XXXX deleted that was reporting XXXX but XXXX is still being reported. I reached out to XXXX  here and s a phone number for them XXXX Also there is a document from XXXX XXXX  that I attached I reached out to them as well and XXXX XXXX XXXX are reporting this account with no original signed contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2016 about Mortgage (Reverse mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Mother in law got a reverse in XXXX. Lender says she missed paying property taxes in XXXX sent a letter stating her house would be sold on XXXX XXXX, XXXX, sold her house on XXXX XXXX, XXXX XXXX never came after us for taxes and she did pay them. Any docs that may help I can send as soon as I hear back from you.

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Sarma (FL).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I NEVER lived in South Carolina, nor do I know anyone at the address that appeared on my credit report. I do n't even know where this place is, nor have I ever traveled there. How did it get on my credit report as one of my addresses? Also, XXXX XXXX, 2016 ( about the time I noticed a South Carolina address on my credit report ) some company from Texas pulled my credit WITHOUT my permission, nor do I know what they are. It states on my credit report SARMA for XXXX XXXX. Please investigate both of these items and remove them asap.

In addition, XXXX XXXX XXXX is reporting two unpaid medical debts for my XXXX XXXX year old son on MY credit report! Please get this removed from my report asap.

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2017 about Debt collection (Credit card debt) with CITIBANK, N.A. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: The original creditor was Departme nt Stores National Ban k. The original debt problem was in  XXXX . I lost my job and was n't able to find another job. I was unable to pay off the debt. Departme nt Stores National Bank assign ed a debt collector,  XXXX   XXXX   XXXX . I negotiated a settlement and on  XXXX / XXXX / XXXX  the debt was paid off to  XXXX   XXXX   XXXX . I have the original letter of proof from them stating the debt is paid. Just after that date, Departme nt Stores National Bank hired 2 other debt collectors ,  XXXX   XXXX   XXXX  and  XXXX   XXXX   XXXX  to try to collect the debt again. I had to send them a copy of the pay off letter and they were satisfied. Departme nt Stores National Ba nk then hired  XXXX   XXXX   XXXX   AGAIN to collect the  debt. This was on  XXXX / XXXX / XXXX .  XXXX   XXXX   XXXX  said they did not show a record of the pay off. I had to send a copy of the letter FROM  XXXX   XXXX   XXXX , TO  XXXX   XXXX   XXXX  to prove I paid it off. If I would n't have had a copy of it, they would have said it was never paid. Then on  XXXX / XXXX / XXXX  Departme nt Stores National Bank   hired  XXXX   XXXX   XXXX  - same process. On  XXXX / XXXX / XXXX  I received another letter from another collection agency,  XXXX   XXXX   XXXX  again saying I still owed the debt - same process. Then on  XXXX / XXXX / XXXX  I got a letter AGAIN from  XXXX   XXXX   XXXX   ( no w known as  XXXX   XXXX   XXXX  ) saying I still owe the debt - I went thru the process again. Now I just got a letter AGAIN from  XXXX   XXXX   XXXX   XXXX   XXXX  saying I STILL owe the debt. It 's even signed by the SAME person as last years letter!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-02-2016 about Consumer Loan (Vehicle loan) with Blackhawk Finance (IL).
Issue: Taking out the loan or lease

Complaint: I financed with the company BlackHawk Finance and it was only reported to XXXX credit agency and not all XXXX as I was told it would be.

Company response to consumer: Untimely response
Consumer complaint received 02-05-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with REGIONAL MANAGEMENT CORPORATION (SC).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: debt collection remaining on credit report after 50 days dispute process, violation of FDCPA, credit reporting on all XXXX bureau, disclosure of verification

Company response to consumer: Closed with explanation