milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-09-2018 about Debt collection (Medical debt) with HCFS Health Care Financial Services, Inc. (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Initially I filed claim # XXXX. I initially stated that this company reported my information to the credit bureaus but after careful review another company under the name XXXX ( XXXX XXXX XXXX ) reported something similar. However, XXXX XXXX XXXX sent me a letter on XX/XX/XXXX for I debt they claim I owe of {$1800.00} and they stated the original creditor was XXXX XXXX XXXX. On XX/XX/XXXX I sent a letter back stating that their debt had been disputed and that they are to provide me with proof of any contractual agreement I have with them to pay them any debt. They responded back on XX/XX/XXXX with a letter simply stating I owe {$1800.00} on account number XXXX but with no information on the procedure used to determine the accuracy and completeness of the information. I am not familiar with the original creditor and don't recall ever having any services done from them. I sent a letter out today on XX/XX/XXXX requesting 1. The procedure used to determine the accuracy and completeness of the information 2. A copy of any viable evidence bearing my signature showing the account is being reported accurately XXXX XXXX XXXX stated in response to my initial claim that they don't have to provide proof bearing my signature that I have an obligation to pay them. Do they expect someone to pay a debt they claim is owed without any proof? If you can not validate this debt you must request that all credit reporting agencies delete the entry. If XXXX XXXX XXXX went about obtaining my information in a non legal manner then they my be in violation of HIPPA laws as well as FCRA and FDCPA.

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 08-03-2015 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: This month showsthat we are shorton escrow morethan {$900.00}, but alsoafter the bank didthe escrow analysis, somehow we are short from 2012 more than {$6000.00} which you, the bank decided todivide the payments in XXXX, we will pay more than {$2000.00} a month and we simply CA N'T do it, and we will neverbe able to catch upwith the mortgage, that was the reasonwe went bankruptcyand did a loanmodificationbecause wecould n't afford {$2000.00} a month. 
We contact theOcwen to pleasemove the {$6000.00} tothe back of the loanso we canconcentrate payingwhatever shortagewe have in escrowthis year. 
Please help us

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2017 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: XXXX , {$2300.00}, ask  XXXX   XXXX   XXXX  to removed this off my credit report because account is pa st 7 years old .  XXXX   XXXX   XXXX  said to me call Credit Bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EARLY WARNING SERVICES, LLC (AL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Early Warning Systems stated I was in their database due to an account with BBVA. I have never had an account with BBVA and I have contacted them to inform them of such.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (VA).
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem with product or service terms changing

Complaint: Equifax mishandled my information which has led to a breach that puts myself and a bunch of others at risk. I am extremely frustrated with how equifax handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it by social media. 
Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 
This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I contacted TransUnion about an inquiry on my credit report around XX/XX/2017. The inquire wasn't authorized by me and should of been removed. It wasn't removed by Transunion due to them telling me it has been verified. I contact the company which was XXXX XXXX and get a letter stating the item wasnt authorized and will be removed from all credit reports. They sent me letter in mail stating that it will be removed. I contact transunion and i faxed and mailed in proof in writing and transunion still refuse to remove it from report at this time. I have been having proof since XX/XX/2017 and they still haven't took the proper actions with removing it from my reports.

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 08-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (OR).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My first problem is in regards to 2 of my 4 loans, which were originally with XXXX XXXX. They were in forbearance when Navient took over servicing in XX/XX/XXXX. Two of my loans were listed as having been 60-89 days late, but the other two not. This makes no sense, as I do n't pay these loans individually ; they are all serviced under one umbrella. I 've been told by many different representatives that this was a clerical error, a problem during the transition, etc. I 've submitted documentation supporting my claim ( letters regarding approval of forbearance, the length of it, etc ), but they have not corrected the inaccuracy. The second problem applies to all of my loans. I was on maternity leave in XX/XX/XXXX, and had my loans in forbearance while I was not working. During this time period, I received several calls from agents stating that my loans were past due and I needed to make a payment immediately. I made payments on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and each time I was assured by the representative I spoke with that nothing negative had been reported to the credit bureaus. Nevertheless, my credit report shows all four loans as having been 90-119 days late. I 've submitted documentation supporting my claim, but Navient has not corrected the inaccuracies. I 've been consistently making payments for over 10 years now, with the occasional forbearance when in between jobs/illness/family issues. I 've provided documentation that Navient has made mistakes, and yet they refuse to correct them. I 've tried communicating directly with them, and also submitting disputes with the credit bureaus, but ca n't seem to get anywhere. As a result of their errors, I have had to pay higher interest rates on loans, and in some cases was denied outright. I 'm really hopeful that perhaps the CFBP will be able to get farther on this issue. Thank you for your time and help.

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2016 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (VA).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: We received a notice from Commonwealth Financial Systems ( CFS ) regarding an unpaid medical bill. Upon contacting the purported medical service provider and providing the original account number listed on the letter issued by CFS I was informed that no such account number existed. 

I contacted CFS and the employee identified himself as " XXXX XXXX ''. However, the name on the letter issued by CFS was " XXXX XXXX ''. 

Commonwealth Financial Systems lists the following address : XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX : XXXX ext XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (TX).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I AM XXXX XXXX AND ABSOLUTELY XXXX XXXX XXXX WHEN OVERSEAS OR WHEN HEADSETS OR WHEN AN INTERNET OR IP MULTI LINE SYSTEM IS USED. I AM FORCED TO YELL. 

RECENTLY, MY CREDIT CARD HAS BEEN CLOSED AND I KNOW FOR A FACT THAT IT IS DUE TO MY XXXX, YET CITI CARD TELLS ME THAT THEY ARE ALLOWED TO CLOSE MY CARD AT ANY TIME AND THAT IT IS ALLOWED AND THY DO NOT HAVE TO GIVE ME A REASON AND NOW BECAUSE I AM XXXX   AND XXXX XXXX XXXX I MUST PUT ALL IN WRITING. 

THEY HAVE TOTALLY DISCRIMINATED AGAINST ME TO THE EXTREEME AS MEDICALLY THIS SHOULD NEVER BE DONE AND CITI CARD HAS BEEN TOLD THEM AND HAS RECEIVED LETTERS FROM MY DOCTORS SAYING THIS ALSO. 

TO CLOSE MY ACCOUNT DUE TO BEING XXXX XXXXXXXX AND NOT WILLING TO ACCOMODATE A XXXX PERSON IS SICK. THAT IS EXACTLY WHAT THEY HAVE DONE TO ME AND HOURS JUST TO GET A PERSON WHO I CAN XXXX AND MORE. 

I AM TOLD OVER AND OVER THAT THAT NO ONE HAS HAND HELD PHONES EXCEPT SUPERVISORS. SEVERAL SUPERVISORS HAVE ALSO REFUSED TO MAKE SURE I CAN XXXX. 

YES, MY CARD WAS CLOSED DUE TO MY XXXX AND I DO KNOW THAT IS TRUE. 

I PAY FAR AHEAD, AND AM ALWAYS ON TIME ALSO, SO IT IS MY XXXX   THAT UPSETS THEM AND NOW THEY THINK THEY HAVE A RIGHT TO CLOSE MY CARD DUE TO NOT WILLING TO ACCOMODATE XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2015 about Credit reporting () with EQUIFAX, INC. (CO).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: After seeing my credit report this week I discovered a false delinquency. On XXXX XXXX XXXX I signed. 13 month lease with XXXX XXXX XXXX. 
After being told my XXXX job was being eliminated in XX/XX/XXXX my landlord had me sign a release from the final 3 months of my lease. 
I moved out of state on XXXX XXXX XXXX leaving my forwarding address in XXXX. Since that time XXXX XXXX XXXX NEVER contacted me about any delinquent charges. On my credit report they charged me for XXXX and XXXX rent plus {$900.00} in damages. 
I have made XXXX of attempts to contact them to discuss the situation. I havre been ignored. 
I am seeking a legitimate and fair way to resolve the situation. Can you help? 
Sincerely, XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I have been requesting a modification for a more affordable mortgage payment and and they came up with a balloon payment that will make me pay the value of my poprrty for {$50000.00} more ta than what I purchased it for. They are also charging m reinse for for reinstatement fee of {$500.00} more because I rejected their proposl. 
I have never had to pay the reinstatement fee in my previous modifications. This company needs to be investigated for their ruthless activities. My main concern is that since in the inception of this loan they have always made mistakes on applying my mortgage payments. back in 2015 they have posted a negative impact on my credit as having paid late. and after their research they found out that I had paid all my payment on time. I have proof of this Iam in constant contact with them because they keep misapplying my mortgage payments to the Escrow. I do n't know what else to do with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Equifax is reporting an account from XXXX XXXX XXXX that is in my father-in-laws name on both my wives and my credit report. This has been going on for over the course of 5 1/2 years that we have known about. We have sent multiple request to them through the course of this time along with letters from XXXX XXXX XXXX XXXX stating that neither of us are on this account. The most recent of these communications to Equifax was XX/XX/XXXX when we were in the process of refinancing our home. We were told that is was resolved and never heard anything back, but then on XX/XX/XXXX we were told that this account is still reporting under my name. 

This account continuing to report on my credit report from Equifax has prevented me from being able to obtain credit as we are trying to get a home equity loan.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 about Credit card or prepaid card (Store credit card) with BARCLAYS BANK DELAWARE (IL).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: Barclay 's Card for XXXX charged interest for the full amount of a purchase at XXXX as soon as their " promotional period '' was over. The majority of the device was paid ( about 300 $ left ) and I was slapped with a 400 $ fee for the entire amount of purchase. I was not aware of this deadline and I was NOT notified by the company via email, mail or phone.

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 03/26/2017 about Mortgage (VA mortgage) with CITIBANK, N.A. (OH).
Issue: Loan servicing, payments, escrow account

Complaint: During the course of our Chapter XXXX repayment plan our lender failed to credit our account appropriately for XXXX payments. We have contacted them on several occasions over many years, but they have yet to credit our account properly. In each of our disputes, we provided the lender with the proof showing the payments have n't been properly applied and they still wo n't correct these accounting errors. They are as follows : 1. XXXX - Payment never applied, shows received on XXXX, principal balance is {$170000.00} before payment is received and remains that amount until XXXX. Payment shows in unapplied funds column of the payment history as provided by the lender. 
2. XXXX - Payment never applied because of reversal errors in accounting. The principal amount of our loan after the XXXX payment was {$160000.00}. A payment was made on XXXX. The lender applied the payment twice, then reversed the payment twice, then reapplied a payment, then reversed the payment. This left the balance at the end of XXXX after making a payment still showing {$160000.00}. 
3. XXXX - Payment never applied because of reversal accounting error. The principal balance at the beginning of the month was {$150000.00}. A payment was received on XXXX. It appears the payment posted twice but it only XXXX payment affected the balance. On XXXX, the payment was reversed causing the principal amount to go from {$150000.00} back to {>= $1,000,000}. Our payment for XXXX was received on XXXX and the lender contends that is the reapplication of the funds. However, we have shown proof, the XXXX payment was a new payment and not the reapplication. 
4. XXXX - Payment never applied because of Lender reversed it in XXXX. The payment shows being received on XXXX but not applied to the account until XXXX. This payment is inexplicably reversed on XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2015 about Debt collection (I do not know) with Rocky Mountain Recovery Group (WY).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: A process server has come onto my property which is marked with multiple " no tresspassing '' signs. She claims that she was given permission to do so, she was not. She claims that the paperwork she needs to serve is in sealed envelopes so she does n't know who it 's from. She claims to work for Rocky Mountain Recovery and XXXX XXXX XXXX who claim to be attorney 's in Wyoming but no one has ever seen in a court of law. I have told her I will not allow her on the property with this vague information and she claims the order is signed by a judge which gives her that right ( how can she tell if it 's in a sealed envelope ). I told her if she tresspasses again I 'll have her arrested and seize her vehicle. I 'm also in the process of filing a restraining order against both of these companies as well as this person. She has harassed my son who is staying with me while he recovers from a XXXX XXXX.

Company response to consumer: Untimely response
Consumer complaint received 04/13/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with SYNCHRONY FINANCIAL (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This number keeps calling me. When I look it up I get XXXX. This group has a lawsuit agaInst me in XXXX XXXX I live in. We have a hearing next month. But I keep getting their call. I get it once or more per week and I do not answer it. I 'm actually on ssi and they are n't supposed to be able to take my money. I do n't owe them the money I owe G.E Credit which was for amazon. I was turned over to them by amazon while I was actually making a payment to amazon. I should have never been turned over to these people because I missed XXXX payment.

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 04/19/2017 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: XXXX   XXXX  Inquiry  XX/XX/2017   .  XXXX  is in violation of the FCRA for failure to provide required notice to consumers with the allotted timeframe. I went to   XXXX   on the evening of  XX/XX/2017    to inquire about switching my cellular service - many advertisements were run regarding their " specials ''. The  XXXX  sales person asked for my personal information to see what de als I may  qualify for and the applicable terms. He tried  XXXX  times to CONNECT with  XXXX  via the stores ' computer. A  XXXX  representative NEVER joined the CHAT SESSION. This process went on for about an  XXXX  of just trying to get  XXXX  on the line. Needless to say, I left the store, never knowing from  XXXX  what the status was becaus e no one fro m their end ever called or chatted with  XXXX  or myself. To date,  XX/XX/2017   , I have NEVER received any type of required written notice or verbal communication from  XXXX  explaining if I was approved or denied, from which credit reporting agency they received my credit information or the credit score that was used to base their whatever decision was or was not mate. HOWEVER, an inquiry is on my credit report from their company for  XX/XX/2017   . I expect for the inquiry to be deleted IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2015 about Credit reporting () with Experian Information Solutions Inc. (WA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: While checking my personal credit report, I noticed XXXX Employers listed as XXXX and XXXX on EXPERIAN credit report. I have never been employed by these companies. I am requesting that EXPERIAN immediately remove these names from my credit file, listed as my previous Employers on my credit report immediately. I have attached a screenshot of the incorrect information listed on my credit report from XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (OK).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I attempted to call CBNA ... none of the number on various web pages worked.

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 02/15/2018 about Mortgage (Conventional home mortgage) with FIFTH THIRD FINANCIAL CORPORATION (MI).
Issue: Trouble during payment process

Complaint: I have a thirty year ARM ( adjustable rate mortgage ) with Fifth Third Bank. 
The mortgage was given in XX/XX/XXXX with an annual rate adjustment every XX/XX/XXXX. 
There have been no problems with this process and I have never missed a payment in 12 years. 
Last year I received my " change of rate notification '' letter in XX/XX/XXXX. 
This letter stated that my then current rate of 3.5 % would change according to the agreed upon formula to the new rate of 4.00000 %, effective with the XX/XX/XXXX payment. The monthly payments would now be {$1000.00} until the next scheduled adjustment in XX/XX/XXXX. 
We have an Auto-Pay arrangement and Fifth Third draws the exact amount from our XXXX XXXX checking account on the XX/XX/XXXX. 
My monthly paper statements reflected this rate through XX/XX/XXXX. 
In XX/XX/XXXX I received a letter dated XX/XX/XXXX informing me that the Bank discovered an error on my account and that the interest rate disclosure statement should have been 4,125 %. However, my payment would not change and Fifth Third will pay the difference between the two rates until XX/XX/XXXX. 
In XX/XX/XXXX I noticed that my credit rating dropped 89 points from XXXX  to XXXX due to an alleged " missed '' mortgage payment! 
The Bank statement send to me in XX/XX/XXXX is a total mystery to me. For the Due date of XX/XX/XXXX alone, there are six entries with various codes, some of which are not disclosed. My attempt to get clarification via phone conversations with four different persons has resulted only in more confusion. 
The bank has since then acknowledged that they reported the missed payment erroneously to the credit bureau and issued a letter of correction. 
While the Bank has acknowledged that they made a mistake and my payment would not be effected, they are calculating with the 4.125 % rate and therefore getting different P/I amounts which are effecting our outstanding Balance. My calculations at 4 % interest differ from the Banks calculation by {$71.00} as of XX/XX/XXXX.

Company response to consumer: Closed with explanation