milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I have disputed the public record on my credit report, challenging the accuracy, compliance and reportability of the bankruptcy listing in my credit report ( faxed to Transunion on X/XX/2017, and mailed in XXXX/2017, and XXXX/2017 certified mail ). I never received the investigation results of the bankruptcy dispute. The federal court here has sent me a letter stating it does not report to any credit reporting agency due to privacy laws. I included a copy of this letter with the fax on XX/XX/2017. I did receive a confirmation letter from TransUnion stating they received my faxed dispute and the court letter, but the letter from the court was n't information they could use. I never received any notification letter from Transunion regarding the results of these disputes about the public record. Currently, on my Transunion report, it states that information is obtained from a third party. Well, who is this third party, that gives/sells information to the CRAs? Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. The bankruptcy court has mailed me a letter which emphatically states that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the third-party providers who collect information regarding public cases from public records without validating, and then selling the information to credit reporting agencies. Public records information is NEVER validated by the XXXX XXXX XXXX system due to the Fair Credit Reporting Agency PRIVACY LAW.

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 12-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I the consumer declare that in XXXX XXXX that I pulled my credit report from the three major credit reporting bureaus and noticed there were several accounts and multiple hard inquiries I did not recognize and did not authorize. Those accounts contained account numbers that I did not recognize and origination dates that are clearly erroneous. I did not open or said accounts with any of those companies on the dates listed on my credit report. I did not authorize anyone to use my name or personal information to obtain money, credit, loans, goods or services- or for any other purpose. Neither did I receive any money, goods, services, or other benefits. I have cooperated with law enforcement by providing all information I had regarding these fraudulent activities as my personal information was stolen. Someone has been using my personal information without my knowledge or permission from XXXX XXXX to XXXX XXXX. I have filed a complaint with the Federal Trade Commission since Pursuant to the 1974 Privacy Act all 3 credit bureaus violated all privacy rights by sharing my information with businesses without my permission.I put XXXX, XXXX, and Transunion on notice and they have not complied within 30 days time frame.

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 07/31/2017 about Debt collection (Medical debt) with CB1, Inc. (MT).
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint: i find it funny the last time i called them i was told they didnt have a current address and was getting returned mail but never called. but today i was told by the manager that they had my current address on file for awhile ... so please tell me why you were send to the wrong address on file and not the current one. i feel like you have tried to push a suite that i was calling on and trying to make sure you had everything you needed sorry my hoouse was condemned not my fault at all - i have gone into debt for this happening and i am sueing submit for this. this is very rude to send to the wrong address so you could sue someone for more money - the law is i dont have to pay you what you ask for - i was never offered any thing nor received anything from you. you are a very sneaky company and now that i know you have all my current information and have this whole time ... serve me right. all if is funny that the response to my last claim is send to the name of my husband ... so i dont know who you are collecting on but you sent it to me for my debit. if you are trying to collect on my husband you will need to mail him a notice - cause we have no clue whonm this debit is for. this is to nasty ... your a horrible company that has no heart for other nor follows the laws or rules for your company with lies over and over which i have proof of everything that has been said to me and your manager even stated when i call the first time it was not even filed yet was just filed so i was threathed suite last complaint and you have not even filed it ... i was at work on all these calls so they are recorded and can be used for court as well

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I have wrote to them a sent proof on several occasion. All three credit reporting a bankruptcy on credit report and said that XXXX XXXX provided them with this information. I have been in touch with XXXX XXXX and sent proof XXXX XXXX to the agencies that there is no bankruptcy on file for me. I need for all the credit reporting agencies to remove this reporting.

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 08-06-2015 about Debt collection (Medical) with ProCollect, Inc (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: i went XXXX hospital er in XX/XX/XXXX was treated did not have ins. informed the intake person tha i could go to XXXX if that was a problem they said it was ok because of my condition the hospital resolved my bill. now its XX/XX/XXXX check my credit there is a bill from a company called procollect for {$940.00} i call they tell me it from a physicians emergency care i tell them i have never heard of these people nor have i ever received a statement/ bill of any kind, they say dont care pay or will destroy your credit ask for itemized bill they refuse. i called XXXX they tell me they no longer do business with physicians emergency care because of their wrongful billing of patients. in fact they were contract doctors and tHey are now out of business filed bankruptcy sold their portfolio to a third party and cant be found. PRO-COLLECT IS ILLEGALLY TRYING TO COLLECT ON ILLEGAL BILLING STATEMENTS THAT ARE TOTALLY FALSE AND WITHOUT MERIT. I AM ASKING THAT PRO-COLLECT REMOVE THIS COLLECTION ITEM FROM MY CREDIT AS THIS BREAKS ALL FDC PRACTICES AND LAWS

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2017 about Debt collection (Medical) with Jon Barry and Associates, Inc. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: this debt originated from XXXX XXXX XXXX in XXXX XXXX was told this group was " in network ''. Not true. I was initially billed a {$600.00} deductible, which I paid. In XXXX I noticed on a credit report that Paragon Revenue Group had placed a collection for {$3500.00}. I tracked it down to XXXX. After calling several times I was told the reason I owed this bill was because they FAILED to file the insurance claim!! I have battled Paragon for 13 years now. If I call or write to dispute it, they renew the claim. Or did. Now, it 's on auto-renew. I have no account number as it 's so old it 's out of their billing system ( they admitted this in XXXX ) and Paragon 's billing system. XXXX removed this debt twice ; XXXX and last year as there is no way to formally pay what I do n't owe due to their error. I 'm extremely frustrated that it has continued to ruin my credit.And I have no means to correct it. You 're basically my last hope. Any questions? call me or write. Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-12-2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (CO).
Issue: Trouble during payment process

Complaint: This is a follow-up to a previous complaint with your agency. That complaint # is  XXXX . I had a mortgage on my home serviced by   XXXX   XXXX    based in  XXXX , FL, at the time that m y HOA file d a foreclosure suit against me over disputed  HOA  fees. Within days of this occurrence,   XXXX   sold the loan to a company called Green Tree Servicing, which has since changed its name to  Ditech. Ditech  is my current loan servicer. The summary of my dispute is captured in a letter I sent to  Ditech  dated  XXXX   XXXX ,   XXXX  , which is the last of several letters I wrote to them. I include it as an attachment below. I never received a response to this letter, and so I assumed the matter had simply gone away. However, starting in  XXXX    XXXX  , I saw on my mortgage statement that there was a separate charge of {$80.00}. I thought this had something to do with the escrow shortage. I finally call ed Ditech  a week ago to find out exactly what this charge is. I now discover it is to cover the legal f ees that I had disputed in my earlier complaint and that I continue to dispute. In other words, Ditech is tacking this extra charge on to capture these fee s which I contend should never have been incurred in the first place. So in fact, my complaint has still not been resolved to my satisfaction. They simply decided to ignore this last letter dated  XXXX / XXXX /  XXXX  !

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2018 about Debt collection (Medical debt) with Centron Services (MT).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint: XXXX 2 separate letters of that date generated from XXXX XXXX XXXX XXXX, Division of XXXX, regarding collection of medical bills. On XXXX, I wrote to them asking to validate said collection accounts. I further requested that they cease and desist. My correspondence was sent via delivery confirmation, which they received on XXXX. 

XXXX Correspondence generated from XXXX XXXX XXXX XXXX, Division of XXXX, with attached medical bills attached, which is a clear violation of HIPAA law. On XXXX, I again wrote to them indicating that I disputed the bills and asked that they cease and desist. I further and asked for a copy of a signed release wherein I waived my HIPAA rights. They received that via delivery confirmation on XXXX. 

XXXX 3 separate letters of that date generated from XXXX XXXX XXXX XXXX, Division of XXXX, regarding collection of the original medical bill and two additional medical bills. On XXXX, I wrote to them asking to validate said collection accounts. I further requested that they cease and desist. My correspondence was sent via delivery confirmation, which they received on XXXX. 

XXXX XXXX 2 separate letters of that date generated from XXXX XXXX XXXX XXXX, Division of XXXX, regarding collection of medical bills sent in my husbands name. On XXXX, I wrote to them asking to validate said collection accounts. I further requested that they cease and desist. My correspondence was sent via delivery confirmation, which they received on XXXX. 

XXXX Correspondence generated from XXXX XXXX XXXX XXXX, Division of XXXX, with attached medical bills attached, which is a clear violation of HIPAA law. On XXXX, I again wrote to them indicating that I disputed the bills and asked that they cease and desist. I further and asked for a copy of a signed release wherein I waived my HIPAA rights. They received that via delivery confirmation on XXXX. 

XXXX Correspondence of that date generated from XXXX XXXX XXXX XXXX, Division of XXXX, regarding collection of medical bills sent in my name. 

XXXX Correspondence of that date generated from XXXX XXXX XXXX XXXX, Division of XXXX, regarding collection of medical bills sent in my husbands name. 

Between XXXX and XXXX, this company has telephone me 8 times even though I asked them to cease and desist. Today, XXXX, this company called my employer. 

This company has not provided either my spouse or me with a copy of a signed contract that we owe them any money. Nor have they provided us with a copy of a signed contract that they may act as collecting money for the medical clinic. In addition, they are not abiding by our requests to cease and desist.

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2016 about Student loan (Federal student loan servicing) with GLOBAL CLIENT SOLUTIONS, LLC (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I was contacted regarding consolidating my student loans and did n't mind the fee. But XXXX says it 's a scam and I should file a complaint. Global Client Solutions says they will close my account. The number of the " servicer '' is XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Checking or savings account (Checking account) with BB&T CORPORATION (SC).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I have {$180.00} in overdraft fees on my account for which I do not understand how BB & T calculated. I know that BB & T is causing delinquency in accounts in order to charge overdraft fees. This is unfair and deceptive!!! I contacted BB & T regarding the overdraft fees assessed to my account on XX/XX/XXXX and explained the problem with the fees that I did not know I had until this morning. The customer service rep at the 1800 number stated that she would escalate my call and someone would contact me in three days. On XX/XX/XXXX, BB & T called and left a message to which I called back and spoke to XXXX. I explained to her that I did not think the fees ( overdraft ) were valid and I wanted to know how the bank came to this calculation. When I logged into online banking my account was in the positive ( see attached ). XXXX proceeded to explain that each night BB & T recalculates balances and what you see on your online banking is in fact not correct. She stated that the bank posts on the site the following : " Daily Posted Balance : The posted balance after nightly processing is completed. Please note that transactions are paid from your Available Balance according to our posting order, and that the Available Balance may be different than your Daily Posted Balance. Important : The Daily Posted Balance does not reflect all pending transactions and fees and should not be used to determine how overdraft fees were assessed. '' So I asked how would I know ( the consumer ) what my available daily balance is when what you show is not accurate? How would I know you recalculated the balances when I can not see this taking place? XXXX proceeded to say that you would not know because BB & T recalculates the transactions. XXXX also stated that the {$200.00} mobile deposit was not available on XX/XX/XXXX ( 2 day hold time ), for which I understood to be available for withdrawal on XX/XX/XXXX. That is fine but why did they calculate the {$200.00} mobile deposit in my balance on XX/XX/XXXX when they knew the funds could not be withdrawn until XX/XX/XXXX. Also when you look at my view of my account ( statement and online banking ) there is no way for me to know what my " BB & T stated '' balance is since it is so different from my " online banking '' account balance. Due to this entire mess, I was assessed fees which caused my account to go into the negative to assess additional fees. XXXX tried her best to explain everything but the balances do not add up. I would like the fees in the amount of {$180.00} be refunded. I have attached my bank statement from the month of XX/XX/XXXX that do not show what my balance is as well as my online banking view for XX/XX/XXXX to show what my balance is. There are back end calculations done on accounts that the consumer does not see and it is deceptive and unfair to continue charging overdraft fees to make a account go negative to get more money!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2016 about Debt collection (Credit card) with URS Holding, LLC (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have a credit card account with XXXX XXXX XXXX XXXX. I have legitimate purchases on the card that my daughter incurred and did not pay. She had been intercepting our mail in order to hide the delinquent status, but we have since been notified through a phone call. We have also been advised that the bill has been passed to a third party collection agency ( United Recovery Systems-URS ). I do not refute the bill and would like to make a payment. However, I am deeply concerned with the nature of the collection effort. To this day, I am still receiving bills from BOTH XXXX ( XXXX XXXX ) and URS. Despite my attempts to make payment, XXXX wo n't take a payment and refers me to URS. Furthermore, URS indicates that they have not bought the debt so of course they ca n't negotiate a settlement amount. I am very uncomfortable with this scenario. The representatives at both organizations were unable to de-conflict. Why is XXXX XXXX billing me, requesting payment, and then refusing payment? If they have fully passed the debt, why is XXXX XXXX still billing me? Why is URS indicating they do n't " hold '' the debt? ( which I suspect is an attempt to bypass settlement negotiations ). URS has also advised that interest and late charges can still accrue, which suggests that XXXX XXXX has not passed they debt. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2017 about Mortgage (FHA mortgage) with Specialized Loan Servicing LLC (FL).
Issue: Trouble during payment process

Complaint: I am  XXXX   XXXX  th e POA  of my mother  XXXX   XXXX   XXXX , my mother whom has had   XXXX   XXXX . My mother signed a mortgage with  Specialized Loan Services  address  XXXX   XXXX   XXXX    XXXX   XXXX   XXXX    XXXX , CO  XXXX . I submitted several request for a copy of the original loan that she signed for and to know avail I have not received it. I solicit your help in thi s matter.Loan #   XXXX  Property Address  XXXX   XXXX   XXXX   XXXX   XXXX  GA.

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 06-04-2016 about Debt collection (Medical) with Simon’s Agency, Inc (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: They are calling every day always from a different number for NY XXXX AND NY XXXX. They never leave a message as to what it pertains to and I have sent proof of a divorce and proof that I had medicaid via an XXXX dispute but all they say is we 've verified it belongs to you. I was married at the time of these occurrences to XXXX XXXX XXXX, we divorced she goes by the name of XXXX now in XXXX of XXXX. I am now married to XXXX XXXX XXXX. They never do much more than to keep sending back that it belongs to me. Every debt I disputed on XXXX has been removed because of this divorce. They said a divorce does n't have nay bearing, i beg to differ. 
Via nycourts.gov New York 's XXXX XXXX Law recognizes marriage as an economic as well as a social partnership. The law requires that a judge divide property as fairly as possible. So medical debt should be included, and ever since I have disputed items, things have dropped, because my ex wife will not pay it, so why should I shoulder the burden alone. 

The XXXX Law talks about XXXX types of property for purposes of divorce : marital property and separate property. Marital property will be divided between the XXXX spouses. 

Marital Property : all property either spouse bought during the marriage, regardless of whose name is on the property. Pension plans and other retirement plans are considered marital property. 


Previously in a complaint, XXXX responded saying medicaid could not verify because the dates of service were more than 4 years out. NYS medicaid listed my college insurance as being my primary at the time, they paid out the maximum for XXXX, and I was not enrolled in XXXX. I was however covered by medicaid. The coordination of benefits is something I am not responsible for, CALL MEDICAID THE DATE OF SERVICE WAS XXXX of XXXX it is not more than 4 years old. 

Also found from XXXX " Collection activities are not permitted and are illegal against individuals who are eligible for Medicaid at the time of their health care service. Any debt collection practices need to stop. '' I was covered by Medicaid at the time. For some reason, XXXX is refusing to research the issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2015 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Credit card protection / Debt protection

Complaint: I signed up for the Care Credit account I 'm XX/XX/XXXX. They had a " promotional '' deal with low interest rates good for 18 months ; the rate thereafter would go into the high 20 's ( 26 % + ). 

The expiration for the low rate was XXXX, whereupon an accrued amount of {$3000.00} was added to my balance taking it from $ XXXX to $ XXXX. 

My understanding of how the rate increase would occur was that at the end of the promotion, my remaining balance would be charged interest at the non-promotional 26 % + rate. It was never explained otherwise to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/13/2018 about Mortgage (Home equity loan or line of credit (HELOC)) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Struggling to pay mortgage

Complaint: In the month of XX/XX/XXXX, I applied for a loan modification with Bank of America.

I was denied a loan modification on XX/XX/XXXX. The reason given by Bank of America were the following : 1. Unable to verify Income.

2. Unable to verify Ownership or Occupancy of property. 

The above reasons to deny me a loan modification are erroneous and false. 
I occupy my home and it is my primary personal residence. Further, I have a business and file taxes each year to demonstrate I have a source of income. 

The denial of my loan modification is an attempt by Bank of America to wrongly deny me a loan modification to save my home from foreclosure. 

Bank of America is intentionally misleading me in approving me a loan modification to deliberately Foreclose on my property and strip me of my equity.

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