milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/18/2015 about Debt collection (Medical) with ESCALLATE, LLC (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Escallate LLC is demanding that I pay {$450.00} for the doctor I saw while in the XXXX of XXXX XXXX XXXX Hospital ( XXXX ) on XXXX/XXXX/13. I could not afford healthcare at the time of service and as the attached documents show, all amounts due as a result of NECESSARY medical care were waived with a XXXX % charity discount by XXXX XXXX. I contacted the physician 's billing regarding this matter and was informed to forward my letter of acceptance from XXXX XXXX so that my account could be verified and the balance updated to {$0.00}. Despite providing this letter as requested, the account was not updated and Escallate insists that I owe {$450.00} for an amount that was written off by the physician. Not only is this incorrect, my credit has been seriously impacted as a result.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 07/15/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX accounts in collections were paid in full, but still showing as open/unpaid on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Debt collection (I do not know) with Commonwealth Financial Systems, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: sent letter never received what i asked for.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2015 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (IL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX still has XXXX different listings for XXXX credit card account on my credit report. If XXXX was brought there is not supposed to have the original and a new debt listed illegally with a different amount. Also the amount is different when there is no way that I owe a different amount from XXXX credit card that was actually closed by the time of listing. I closed the account on my own which is XXXX listing. And the other says that is was closed for a higher amount of money with a derogatory label listed as well. I am having a hard time getting information and receiving action from XXXX with their reporting for my credit report in general. So I would I appreciate your assistance in this matter and I would like the duplicate removed and checked on all XXXX of the credit reporting agencies as well.

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Nationstar XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX See attached previous CFPB Complaint and supporting documents. 

We submitted a full-asking-price offer on XXXX/XXXX/15. ( yes we have been working on this with Nationstar for MONTHS ) Nationstar refused to consider the offer ( the offer with the pricing they required ), and instead forced the property through the AUCTION HOUSE THAT THEY DIRECT AND OWN. 

Nationstar ran this thru the auction AGAIN, there was no winning bid AGAIN, and now they are REFUSING to consider the offer of the buyer that has ALREADY COME UP TO THEIR ASKING PRICE. 

Why is the offer that we submitted not being looked at? This house is in a drug infested neighborhood. Our buyer even offered what their last XXXX came in at. Their own auction company cant get a buyer. It 's obvious what they really want is to just collect the 5 % fee and ensure the property goes to their group of shill buyers. They do n't care about their own investor or the client they are supposed to be servicing. 

Nationstar has been defrauding their investor since XXXX when they were presented with an offer that met their value. If Nationstar comes up with a 'new value ' it is only to cover for the fact that they are trying to wait long enough to find a buyer through their fraudulent auction process so they may profit the additional 5 %. 

WHEN IS THEIR ILLEGAL AUCTION-AND-POOL-OFXXXX GOING TO BE INVESTIGATED AND SHUT DOWN?

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Vehicle loan or lease (Loan) with JPMORGAN CHASE & CO. (MO).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I have had an auto loan with Chase Auto Finance since XX/XX/XXXX and have never had a late payment until XX/XX/XXXX. 
I was XXXX overseas for most of XX/XX/XXXX and didn't always have access to the internet or phone service. 
In XX/XX/XXXX, someone got into my main bank ( XXXX XXXX ) account and illegally transferred a large sum of money to another account. XXXX XXXX closed all of my accounts and gave me new ones overnight. 
I had auto-pay set up with Chase. When I had a chance, I updated Chase payment details to charge my new XXXX XXXX account. I must not have set it up correctly, which is my fault, but it ended up in a missed payment for XX/XX/XXXX. 
When I realized my mistake, I sent the current and missed payment which were received on XX/XX/XXXX. 
I found out the one-month missed payment had went to the credit bureau and turned my FICO credit score from XXXX to XXXX. I didn't know there was anything I could do. 
I recently learned I could try reaching out to Chase to have them remove the late payment. 
On XX/XX/XXXX, I called Chase and reached their credit department. I spoke with a female name " XXXX ''. I explained that I was XXXX last year and didn't always have internet/phone access and that I would like to know the process for getting a late payment removed from my credit report. She responded that she will not remit late payments. I asked if the credit bureau or any other third parties would be able to help and she did not know, but restated that she won't remit a late payment. I asked if there's anyone in management I could speak with to see what my options are and she said she will not transfer me to a manager and nobody in her department will remove late payments. 
In short, it was my fault for messing up the auto-pay after getting my new XXXX XXXX account. However, I was never unable or unwilling to send my loan payments to Chase, and given the circumstance I was in last year, I believe it is unreasonable to not work with me on this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with FAIR COLLECTIONS & OUTSOURCING, INC. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This collection attempt is not a valid debt. I have disputed this numerous times and was able to have it successfully removed from everyone but XXXX. This is from 2011 from an apartment complex named XXXX XXXX. I owed this company nothing and was never evicted/ broke any contractual agreement. Since company has since gone out of business. Therefore, I 've had numerous difficulties verifying what specifically this debt is in reference to. Speaking with this collection companies represenatives have proven to be very stressful and provided XXXX clarity or resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Depth as paid though another credit it agency from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: As a part of an agreed contractual agreement, the account was paid in full and specifically negotiated with the company, that the negative item would be permanently removed from all reports ( Transunion, XXXX, XXXX. ) As of this date, although the status has been updated, the item remains, which was NOT the agreement and is still negatively impacting my reports.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2017 about Consumer Loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (CA).
Issue: Taking out the loan or lease

Complaint: I was approved for a personal loan for {$12000.00} with One Main Financial. I asked about a receiving a lesser amount and reduction of the term of the loan from 48 to 24 months. I was supposed used my car title as collateral which was fine. The loan officers for the local branches provided unsubstantiated information in regards to the exact amount they wanted me to agree to and pay debtors on my behalf. I questioned why they chose which debtors are paid without looking at my entire financial portfolio. Why ca n't I choose which debts to pay that will reduce my overall monthly bills? I am responsible for this loan and this will not help my financial situation, especially at 22 % interest and title to my car. I do n't believe the what the two loan officers said was true. When I called the main corporate office I was told the loan application and amount is at the discretion of the local branch who processes it. I declined their terms but I feel the advertising is very misleading to consumers and the corporation seem to employed untruthful, misinformed workers to represent them.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On XX/XX/XXXX, I applied for a XXXX XXXX XXXX card to receive a {$150.00} signup bonus and start earning points. After looking into the account they pulled my information as a hard pull so I requested to have the account canceled over the phone and inquired about removing the hard inquiry since the bonus was, not linked either. The representative from XXXX insisted he could not help, but was sorry. While reading his script, I paid down my balance and then he said we ( XXXX XXXX ) can not take care of this which led him to give me information to sum it up with Experian. After calling Experian, they insisted that XXXX XXXX would have to write a request to Experian on behalf of the incident. I already have a secured account with XXXX XXXX as well as a 3 year relationship. In hindsight, I recently applied for a XXXX XXXX unlimited account and received no hard pull as well as a higher credit limit! Lastly, After relaying over the phone for 1.5 hours with XXXX XXXX the gentlemen either hung up or the call was disrupted which led to me calling again for another 30 minutes with no real results. After receiving information to speak to Experian I still had XXXX XXXX one pointing the finger saying we can not help you and I was left with a new credit card to which I canceled, a hard pull on my credit score, and a lowered score.

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 11-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: Inaccurate XXXX XXXX : " Your TransUnion credit report contains the following XXXX XXXX. 
DO NOT CONFUSE MY CREDIT FILE WITH PEOPLE OF SIMILAR NAME, ADDRESS OR SSN. VERIFY ALL IDENTIFYING INFORMATION. THESE NEGATIVE ACCOUNTS ARE NOT MY OWN. I DO NOT HAVE A MIDDLE NAME. ''

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 09/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Upon checking my personal credit report, I noticed several unauthorized inquires had been made. I have disputed these inquires with you directly several times, with the most recent investigation resulting in you returning all these back as valid, less than 24 hours later, which indicates you did not due your diligence to thoroughly investigate my concerns. After having an Extended Fraud Alert on my credit file DURING THE TIME OF THESE INQUIRES which has now been converted to a Credit Freeze due to a recent theft in my personal information, I am requesting all the inaccurate information be deleted immediately. Furthermore, I sent a CERTIFIED LETTER w/RETURN RECEIPT regarding this and still have the inquires on my report. In light of the recent  hacking of EQUIFAX ( and the high possibility of my personal information being released ) in addition to the above information, I immediately request you delete ALL the inquires in the past 24 months from my report and BLOCK any future request for my file.

Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AR).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: On     XXXX   XXXX   XXXX       I filed a complaint with cfpb regarding medical debt that continue to reappear on my credit report. After my complaint with cfpb the medical debt reporting on my credit report was removed in  XXXX  now again in  XXXX  it has reappeared back on my credit affecting my credit score and showing closed in collections. On my report that I filed with cfpb the company said they would remove it from all credit reporting agencies and even though it was removed Equifax,  XXXX , and  XXXX  are reporting it again in  XXXX . My file number with cfpb that states this will be removed from all reporting agencies  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: *THIS IS A XXXX REQUEST FOR THIS INFORMATION**DO NOT REDIRECT THIS REQUEST TO WELLS FARGO AS THEY INSTRUCTED US THAT ONLY XXXX XXXX CORPORATE TRUST DEPARTMENT WOULD HAVE THE INFORMATION WE ARE REQUESTING. 
XXXX CORPORATE TRUST DEPARTMENT HAS PROVIDED US WITH THIS INFORMATION PREVIOUSLY VIA EMAILS AND DOCUMENT VIA REGULAR MAIL. 

WE SIMPLY WANT XXXX XXXX XXXX XXXX DEPARTMENT TO CONFIRM THAT OUR MORTGAGE ( XXXX / XXXX - XXXX XXXX XXXX, XXXX NECK, NJ XXXX ) WAS REPURCHASED IN XXXX OF 2009 BY WELLS FARGO FROM XXXX XXXX XXXX A CUSIP - XXXX. WE HAVE OBTAINED THIS REPURCHASE INFORMATION DIRECTLY FROM THE XXXX CORPORATE TRUST DEPARTMENT VIA EMAIL AND REGULAR MAIL AND WANT IT CONFIRMED HERE IN ORDER TO FOREGO SUBPOENA.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with PORTFOLIO RECOVERY ASSOCIATES INC (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Continuous calls from multiple numbers, for a debt that is over 13 years old, have been told repeatedly to stop calling, as this was settled with XXXX several years ago, continue calling all hours of the day and night

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/24/2015 about Payday loan () with Enova International, Inc. (WA).
Issue: Received a loan I didn't apply for

Complaint: Lady called and said I took an online Internet payday loan, which I did not.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ONLINE Information Services, Inc. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: ONLINE SPLIT JOINT ACCOUNT IN XXXX IN A EFFORT TO COLLECT ON DEBT INDIVIUALLY, TRYING TO UNLAWFULLY COLLECT DEBT FROM XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2017 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (MD).
Issue: Loan servicing, payments, escrow account

Complaint: This is a complaint that is referring to a previous complaint # XXXX. I could n't find any way to update my original complaint, so I had to make a new one. In summary, my husband and I were given a letter by XXXX early in XX/XX/XXXX that our property taxes from XX/XX/XXXX were not paid through escrow by our mortgage company, Carrington Mortgage Services , LLC . We immediately informed them and asked them to pay so we would not lose our home to the auction process. 

By the end of the month, Carrington still had not paid, the deadline had come and XXXX XXXX was ready to start the auction process, so we had to use our savings, scrape together the money to pay the taxes ourselves. We then requested ( through writing/fax on XX/XX/XXXX ) that Carrington immediately refund our money. This is the money THEY should have originally paid through our escrow in XX/XX/XXXX. 

When I called today to ask about our refund ( now three weeks after my first request ), I was told that they must complete an 'Escrow Analysis ', and that they need 15 days to figure out if I am to receive a refund. This is ridiculous. They are making it our fault that THEY messed up our escrow account and did n't pay our taxes. We almost lost our house and are out {$2100.00}. Which we are just trying to get back. A year ago they bumped up our mortgage payments an extra {$250.00} a month to 'pad ' our escrow account! There is something wrong here. Very wrong. 

We just want our money back. If we were to have a family emergency, we would n't have the money now because we had to use it for this. 

I am attaching documents showing the delinquent tax bill. My proof of payment. As well as XXXX escrow documents sent to me by Carrington. One from 16 months ago, which I believe to be a 'falsified document ', showing that the tax was paid, and one that I requested last month showing that in, fact, the taxes were NOT paid in XX/XX/XXXX out of the escrow account. 

Please help us get our tax money/savings back. We always make our payments. We believed our taxes were being paid through escrow. We have done nothing wrong to deserve this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/22/2017 about Debt collection (Credit card debt) with Machol & Johannes, LLC (WA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: The xompany in question XXXX XXXX XXXX XXXX locaye in XXXX Colorado has violated the laws repeatedly. This office in XX/XX/XXXXand XX/XX/XXXX filed a suit against me for a debt that i do not owe them. I had health issue that are not for this company to know i was not able to go to court. 
More surprisingly this comoany never validated this debt, This company has never submitted a contract bearing my name and the company listed above that says i agree to pay them a debt. 

XXXX XXXX must validate a debt before any collection activities should conitnue. 

I challenged this company to prove that i owe rheri company the debt in question and they havent. 

Furthermore this company has ruin my good credit rating they have caused me to close one of my bank account In XXXX XXXX XXXX, theu have taken money out of my XXXX XXXX XXXX XXXX  account, this is nothing but a form of fraud, they have caused me embarassment, continued stress and have shown willful intent to destroy my credit rating. 

This company preys on consumers not knowing the law, but i am XXXX and bu federal law this company violated my rights my going into my accounts, this fraud and i take this very serious. 

This company isnt owed nothing from me, they have damaged my credit score, still not providing a signed contract between the above comany and myself. This co.pany listed above has violated the laws of the FCRA, FCPA, and this is unacceptable as a usa citizen. 
I

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Payday loan, title loan, or personal loan (Payday loan) with Ad Astra Recovery Services Inc (NC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I filed a complaint against AD ASTRA RECOVERY SERVICE with the consumer financial protection bureau. I was told from a representative that if I did not authorize this account from XXXX XXXX that I need to file a FTC Identity report. So, below I have attach the report.

Company response to consumer: Closed with explanation