milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-06-2016 about Debt collection (Medical) with Sherloq Group, Inc (FL).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I have asked for proof of this debt twice and have been ignored by : Merchants Association Collection Division, INC. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX Amount of debt : {$520.00} Date of Service : XXXX/XXXX/XXXX Provider of Service : XXXX XXXX XXXX To Whom It May Concern, I received a bill from you on XXXX/XXXX/XXXX and as allowable under the Fair Debt Collections Practices Act, I am requesting validation of the alleged debt. I am unaware of the amount due and your bill does not include a detailed breakdown of any fees. 

Furthermore, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of XX/XX/XXXX ) to protect my privacy and medical records from third parties. I do not recall giving permission to [ name of provider ] for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges - Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until debt has been validated by me Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, of which I am allowed under the FDCPA. 

Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant will be a violation of the FDCPA because you will be deceiving me after my written request. I am requesting full documentation of what you received from the provider of service in connection with this alleged debt. 

Furthermore, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. 

I await your reply with the above requested proof. Upon receiving it, I will correspond back with you by certified mail. 

Kind regards,

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2016 about Credit card () with AMERICAN EXPRESS COMPANY (NY).
Issue: APR or interest rate

Complaint: I was charged double interest. 
I paid last statement in full and also prepaid a portion of the current statement ahead of the closing, still XXXX XXXX charged me interest, XXXX calls routed to XXXX were disconnected, and XXXX call to XXXX still waiting, I am in hold for over 100 minutes .... 

I request a full credit of {$25.00} for interest charges that it should not have been, their explanation is that the go back two month.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (WI).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: I received an offer from American Express XXXX XXXX XXXX, 0 % introductory APR through billing period that ends in XX/XX/XXXX on balance transfers. Since opening the card in XX/XX/XXXX I have been charged interest on this transfer amount every month. Over the last four billing cycles I have been charge {$210.00} interest on a card that offered 0 % APR until XX/XX/XXXX. I have contacted American Express on five separate occasions, each time they tell me they are aware of the problem and it will be corrected. It has not been corrected, I am still being charged interest and no credit for the interest has been added to my account. I think they are defrauding me.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2016 about Prepaid card (General purpose card) with U.S. BANCORP (CA).
Issue: Unauthorized transactions/trans. issues

Complaint: I bought several gift cards as gifts and kept XXXX for personal use. When I went to register my prepaid card I noticed that it had been fraudulently used and immediately called the company. After hours of time explaining the situation and long holds, I was told they could not do anything about it and would need to fax over information, affidavits all of which I did. After many numerous follow up phone calls the representative said it could take 90 days to receive a response from the mechant and another 90 days for review. This process has been discriminatory as I 've received nothing but the runaround. When I 'm on the phone with them, they place me on hold, they will not give me their last name or supervisors name or number. They have horrible customer service and have yet to have resolution on my prepaid visa card that I 've bought months ago.

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 12/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
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: There are four accounts listed on my XXXX and Transunion credit reports that do not belong to me. They are all from the same company with different amounts showing. The company is XXXX. I have disputed these accounts and Transunion has supposedly deleted one of them off of my credit report. XXXX XXXX shows a notice which says : Collections Account Removed XXXX between XXXX XXXX, XXXX and XXXX XXXX, XXXX your XXXX collections account was removed from your credit report. My credit report dated XXXX XXXX stills shows them all on there. These accounts do not belong to me and I want them removed from my credit reports. 
Thank You for Your Time

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 03-10-2017 about Credit card () with CITIBANK, N.A. (PR).
Issue: Closing/Cancelling account

Complaint: Credit card account with Sears issued by Citibank was wrongly reported as a charge off to the credit bureaus after being closed by Citibank. Account received monthly payments as required but reported after due date and without notifying any late payment, past due balance or any contact for orientation account was closed affecting my credit. After closing account the balance was paid in full in XX/XX/XXXX, in my XXXX credit report is reporting as it was closed on that date XX/XX/XXXX affecting more my credit score because the account was closed on XX/XX/XXXX. Account was opened on XX/XX/XXXX and closed in XX/XX/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 04-03-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I had XXXX rental properties trying to save them I filed a XX/XX/XXXXbkpt & XX/XX/XXXXbkpt to try to save my houses. I did not go through with either one of them I paid {$150.00} for each bkpt the house XX/XX/XXXX I lost the house & it went into foreclosure the attorney never showed up in court he took my money & run. I GOT HIM DISBARED. XX/XX/XXXX the house that has been going on for about 6 years I decided to claim bkpt again to try do a loan modification keep the house. I under stand that when you claim bkpt & you go thru with the program it goes on your credit report & I agree with that. But if you do not go through with it & it is dismissed I think it is a little bit of discrimination when you do not go through with it. That is my opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Requested accounts be verified as 100 % accurate and true and received a response that the accounts were 100 % accurate and verifiable a little over 30 days later. The accounts in question are being reported as open and with a balance but are closed, with no balance and never had any late payments nor interest fees. XXXX accounts for {$6000.00} are reported as {$9400.00} and {$8600.00} with a duplicate account reported as a XXXX and owe amount of {$9000.00}. The other XXXX accounts, both had an original amount of {$4500.00} are reported as open and owing {$5400.00} and {$5300.00}. All XXXX accounts are false!

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 04/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
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 sent XXXX copy of my account statement from NYS department of social services after XXXX XXXX reported that I was in collections for {$110.00} from XXXX XXXX. The NYS department of social services paid my bill in full when I was laid off several years ago and I have been on a payment plan to repay NYS social services. XXXX XXXX sent me and XXXX  a copy of a computer print out with no record of the payment from NYS Department of social services and it  was not itemized, as I requested. XXXX has not responded to my request to correct this and remove from my report. XXXX took the computer printout submitted by XXXX XXXX to not remove, and when I again, submitted my account statement from NYS department of social services they did not respond and stated to CFPB that there was an unauthorized third party, yet  this remains on my XXXX and Experian reports. XXXX has consumer disputes and Experian does not.

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 11/14/2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (MA).
Issue: Trouble during payment process

Complaint: I received a HAMP modification 6 years ago. I have made timely payments and my account is in good standing. I made a large principal reduction on my own along with the incentives from the XXXX that owns my mortgage so I requested a recast of my loan. I was turned down but told that once I got my 6 year incentive payment they would recast. Then suddenly in XXXX XXXX I received a letter dated XX/XX/XXXX that stated my request for recast had been accepted and I would receive the documents within 2 weeks. I have called 9 times since then and each time I am told that they see the approval letter but ca n't understand why the docs have n't been sent. In XXXX I was told that I would have the documents within 30 days. the 30 days was up on the XXXX of XXXX and I still ca n't get anyone to answer me as to where the documents are. I expect a recast of my mortgage so that I can afford the payments. I am a working single mother who is trying to do the right thing but these payments need to be recast so that I can afford them. I have hired an attorney to pursue damages.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Receivables Performance Management, LLC (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: there was a debt placed on my credit report that they are unable to show I actually owe I requested documents that I had signed to receive service and equipment. I had spoke with a rep from the collection agency that refused to give me info on the company desiring collection and could not provide any documentation of debt owed. 
I contacted XXXX and spoke to XXXX who then transferred my to XXXX id # XXXX on XX/XX/2017 at XXXX hrs that refused to provide documentation of the debt she then transferred me to rep XXXX # XXXX at XXXX hrs. this rep attempted to find documentation of services but was unable. she stated that she would send it to investigation on their end. I then repeated that I need documents that show my signature that I received equipment and or services.

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 07-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
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 called all three credit bureaus ( Transunion, XXXX, XXXX ) a total of 10 times, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I called to inform them that my reports show 2 bankruptcy filings that do not belong to me that was supposedly filed on my behalf in XXXX County, NC. I have disputed this a total of 5 times only for them to come back and inform me they investigated and it was verified, I requested they provide proof of the provider who verified this erroneously reporting and they have yet to tell me. I called the Courts here to confirm that I do not hold a bankruptcy and was told that there is no record of my name and address, also further they verified they have not spoken to anyone from the Bureaus to verify such a record exist. I noticed as of today XX/XX/XXXX yet another Bankruptcy has appeared on my credit report. I work in XXXX XXXX and have been terminated from my employment as a result of these filings, I have requested from several supervisors to have this removed from all 3 bureaus and they have done nothing at all.

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 11-08-2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have numerous inquiries on my credit report with XXXX that I have continuously disputed. I did not apply for credit with these companies and would like the inquiries removed. XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (UT).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Equifax reporting agency breached in XXXX, not told of this until XXXX XXXX, 2017. Equifax indicates I had data lost during the breach. 

Unacceptable on a number of fronts some of which are : 1 ] Equifax 's own credit monitoring service did NOT report the breach.
2 ] Unacceptable accountability and responsibility on the part of the agency.
3 ] I wish I could have inside information like their executives so I could sell stock prior to the release of the breach information. Must be nice to sell your stock when the price is high.

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: equifax reporting account incorrectly XXXX XXXX credit card being reported incorrectly

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2016 about Bank account or service (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (MI).
Issue: Account opening, closing, or management

Complaint: In XX/XX/XXXX I was notified by XXXX that someone used my identity to open a checking account at Compass Bank. I called XXXX, they directed me to call their parent bank, named Simple, at XXXX. I called Simple to let them know my identity was stolen, and they refused to tell me anything about the account. 
They refused to close the account, though I called multiple times and explained that it was a fraudulent account. I then did a XXXX call with XXXX and XXXX Bank in which the XXXX rep explained the confirmed ID theft. Simple rep said she would then close the account, but refused to send me anything in writing. I called Simple again on XX/XX/XXXX and again asked for a letter to confirm the fraudulent account was closed, the rep refused. She said the account was " no longer eligible for phone support '', that she had " to disconnect the call '', and I was not to call there XXXX asked to speak with a supervisor, was transferred to XXXX. He also refused to send a letter, said it was not their problem that someone opened an account there with my stolen identity, and their policy was to not provide any info or send anything in writing, not even to confirm they closed the account. I asked where they are actually located, he refused to tell me. He said they are an online bank, but said their physical location and the state in which they are registered to do business was " not pertinent '' to the conversation. I asked for a mailing address, he said he would not give it to me. I asked for anything to confirm they even closed the account, he said " this account is no longer eligible for phone support '' and that he had to " disconnect the call ''. Would not even confirm it was closed. He refused to give me an account number or any info at all about the account that I could have to document the fraud. I have no way of knowing if they even closed the account, and am very concerned that it is still open in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 03-12-2017 about Debt collection (Medical) with Louisiana Recovery Services Inc. (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX is reporting a collection debt from Louisiana Recovery in the amount of XXXX. I sent a certify letter on XX/XX/XXXX. I explain this is not by debt. I did n't have any XXXX. 
XXXX responded saying this is my debt. 
I sent a certify letter to the collection agency Louisiana Recovery Service, asking for a itemized bill with a breakdown of the services rendered. 
This letter was sent on XX/XX/XXXX. 
As of today, I have n't received any communication in regard to the services rendered.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Debt collection (Medical) with LK Manley, Inc (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have on several occasion disputed this collection debt with Valley Credit Service Inc. I have asked for documents with my signature via a debt validation twice and they have only supplied me with a bill that was {$480.00} and now they want {$690.00}. They have reported this to the credit bureaus and failed each time to submit docs with a valid signature of mine showing that this debt was mine. We are military and they cover my XXXX so I know this was bogus.

Company response to consumer: Untimely response
Consumer complaint received 07-05-2016 about Mortgage (FHA mortgage) with BB&T CORPORATION (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I had a tragedy in XXXX XXXX, XXXX when I loss my son in a accident. I could not work and had to file for bankruptcy which was discharged XXXX/XXXX/XXXX. I 'm in the process of purchasing a home after I was able to get my credit up again. I 've called BB @ T several times have spoken to several different people. Today I called and spoke with XXXX XXXX who stated that they had submitted to HUD 78 months ago to close the loan. When I call HUD they have no record of this at all. But yet on last Friday I was told by BB @ T that the loan was closed. I hated doing a bankruptcy and even after that I had at least XXXX short sales which BB @ T would never approve ... im just trying to get my life back purchase my home and do the right thing. All I need is verification that the loan is closed with BB @ T and HUD. 

XXXXXXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2016 about Mortgage (Conventional fixed mortgage) with LoanCare, LLC (VA).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage is serviced by LoanCare. My house initially had PMI, but I sent a request on XXXX XXXX, XXXX requesting PMI termination. My house was then appraised by an appraiser they sent and found to be below 80 % LTV so the appraiser recommended to LoanCare that PMI be removed. I received no confirmation, but assumed it had been done. I noticed looking at my yearly mortgage statement in XXXX XXXX, that I was still paying PMI. I sent a letter again asking why it had not been removed. I received a response saying my PMI would be cancelled. When I looked at my yearly mortgage statement for XXXX, I found out I was STILL paying PMI. LoanCare has not done anything about its removal after several requests.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 12/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CT).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: I have sent 5 certified letters to Experian, which were accepted by them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,  XX/XX/XXXX and XX/XX/XXXX requesting all the information in my credit file and anything in my file that was incomplete or unverified either needed to be completed, corrected or deleted. they have done none of the things as required by law under the free credit reporting act. there is an account that they are reporting as open that has been closed for over 2 years. there are multiple accounts on my report that are missing payments. I asked that these payments be verified and added or delete the file, this has also not happened through repeated inquiries.

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