milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/31/2016 about Debt collection (Medical) with HCFS Health Care Financial Services, Inc. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: While living in Indiana XX/XX/XXXX, I received a collection notice for a hospital bill for XXXX XXXX visits that was addressed to someone with a different spelling of name for my son. I called the collection agency and informed them that my son was not in the state of Arizona for the first visit date and the debt did not belong to my son. I then called the hospital to inform them of the error and the debt did not belong to my son. My son, who was back in Arizona, drove XXXX miles to the hospital to provide his ID to prove he was not the person on the debt. I was told they would correct the issue, but it was not corrected and I continued to receive collection letters and phone calls. Each time, I notified ARS ( Account Resolutions Services ) of the error. On XX/XX/XXXX as instructed by ARS, I sent a letter with a copy of one of the collection letters informing them of the error and to cease and desist collection from my son. I continued to receive collection notices so XX/XX/XXXX, I reached out to the hospital 's parent company 's compliance department and spoke with XXXX XXXX. She said she would investigate and on XX/XX/XXXX I received a letter from their financial department stating it was verified the debt did not belong to my son and the credit reporting agencies were notified. XXXX XXXX assured me that the records were corrected and the collection agencies, including for the physician bills, were notified of the error. All was quiet until XX/XX/XXXX when I again received a collection call from ARS. ARS was notified on multiple phone calls that this debt was not my son 's and in writing on XX/XX/XXXX and to stop collection on this account. ARS has violated my son 's rights by refusing to remove his personal information from their records and to stop collection efforts.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have been paying on my loan for nearly 10 years and the balance has barely moved. My loan is throught Navient and I have become aware of them being sued for mishandling loans and giving misinformation. I have been given information by this company that has not helped me pay off my loan at all. I am filing this complaint so that Navient and CFPB is aware that I would like to seek help in this matter. I have gotten nowhere with my loan and that is a huge problem.

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (CO).
Issue: Loan modification,collection,foreclosure

Complaint: This is a short sale. We have a very unique situation on this property. The owner signed a Deed of Trust with a man named XXXX XXXX XXXX, a business partner. However, he thinks she signed a vesting deed giving him 50 % ownership. That is not the case and the title company has confirmed. At XXXX point the seller XXXX gave him authorization to speak to Chase, which has since been revoked. This is relevant as he is currently occupying the property and has sent threating voice mails to the seller stating Chase has given him authority to live in the home through the end of the year on her dime. In the meantime we are trying to submit an offer to Chase for short sale review. The current buyer is cash and understands the title issues and plans to file a quiet title lawsuit against the renter/partner to remove the unsecured Deed of Trust from the property and remove him from the premesis. I have been trying to obtain a soft decline in Equator to upload the new offer since XXXX/XXXX/15. You will see in my notes the numerous attempts to have an offer task sent to us to upload the new offer including management escalations and there is nothing but ignoring our request and non response. I am a short sale facilitator of 8 years and constantly tell my clients the process is not a conspiracy but simply the process. But after the threatening voice mails and then this behavior by Chase, I am starting to think there is truly something going on behind the scenes to prevent our submission of this offer. I just need Chase to do their job and send us an offer task and start review of this cash offer that is the ONLY offer that would take on this title vesting issue! It almost seems like they want this property back. Just at a loss on this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I was a victim of identity theft, now I have inquiries on my report that I did n't authorize. I tried disputing them but the credit company is telling me to contact the company directly, the companies wo n't remove them saying it 's my information.

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 08-04-2016 about Credit card () with CITIBANK, N.A. (PA).
Issue: Late fee

Complaint: I have payment due dates for both Citi Cards and XXXX Cards on the XXXX of every month for which I send payment via USPS not less than one week pior to due date. On XXXX XXXX, 2016 I sent payment to Citi and XXXX for full balance due. XXXX Card posted my payment on XXXX XXXX, 2016 with an email acknownledgement. I checked my Citi account for an update for payment to find I had been charged a late fee and interest. I disputed these charges because the USPS has predictively made delivery within ( 3 ) or ( 4 ) days from mailing deposited day. I requested these charges be removed from my account

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 12-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: This credit inquiry was not authorized by me. Please validate this inquiry. My social security number was included in the security breach.

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
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 received a copy of my credit report and noticed that Experian was reporting  XXXX  tax liens. I then sent dispute letters to Experian to get verification of these tax liens that are showing on my credit report. I received letters back from Experian stating that these liens had been verified. I immediately placed a call to the courthouses and verified that they do not report to Credit Bureaus so I requested the method of verification since Under FCRA , sec 611 ( a ) ( 6 ) and ( 7 ) I have t he right to request the method of verification from the credit bureau. And if they can provide me with the information they need to remove this tax lien.     I have yet to receive this information

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 07-06-2016 about Debt collection (I do not know) with Worldwide Processing Group, LLC (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: recieved phone calls to my cell and job i called the number back they gave me the name of thier company said they were a pre trail company trying to collect a debt i asked which company he first said XXXX access processing then said thier was XXXX i asked for verifaction of all original i recieved an email giving me XXXX companies XXXX of which i knew and had paid back already about XXXX XXXX yrs ago the other i did not know then he started saying different companie names and i told them they were already paid except XXXX again i didnt reconize he said he couldnt do further looking unless i agreed to pay i told him unless i recieved something showing prove that this debt was owed i wasnt going to agree to something he said well i will have to try and see but i am not making any promises that they will not proceed and you be arrested and hung up they have also been harrashing me at my job on my job phone number even told my co worker about this

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. (OR).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax released ALL my personal information including my card card information to an unknown entity during the major information release they experienced in XXXX (? ) 2017.
Equifax CEO 's also held back this information until they sold millions of dollars worth of stock, thereby stealing millions of dollars.
I suggest you charge Equifax with identity theft and credit protection of all Americans that they released personal information about, For Life. They could use all those millions stolen by the CEO 's and future money made by Equifax.
We, the consumers '', did not do anything wrong and we should not be held responsible, For Life, to pay to monitor for identity and credit theft. We can not change our names, SS number or most of the other stolen information.
Eqiufax needs to pay the other 2 credit reporting agencies to also protect our identit
y and credit For Life.

Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: Around XXXX XXXX, 2013, I checked my accounts with Bank of America like I have done every morning. I had a joint checking acct with my son who was in college in XXXX at the time. The normal acct balance has always been low, since I was only able to afford to send him low amounts of money at a time. This morning when I checked the account, the balance was - {$880000.00}. I was shocked. I checked the transactions and they claimed that {$1500.00} was deposited early that morning, but they were a bunch of deductions taken. There was also a purchase of items over {$600.00} at a Rite Aid. All this happened in New York between the hours of XXXX - XXXX. I live in XXXX  and my son attends school in XXXX. I called BOA immediately to report there was some fraud going on. They took my information and I asked them to check the ATM to see who the person was that made the deposit and withdrawals. They deposited fake Money order and took out real money. I do n't know how they were able to do this. I had n't even has so much as a bounced check with them. I found that it was fraud through my son. They first cleaned out my checking and savings accounts and left me {$20.00}. I called and asked why did they take my money when I was the one who called and reported it. They told me " well as least we left you {$20.00} for gas. '' I was shocked they did that so fast without even investigating. Well, shortly after I completed all the necessary paperwork, they quickly send me a letter saying they did not believe that we did n't have anything to do with this. I thought the fraud department was suppose to investigate this. They place this on my record with XXXX XXXX even though I had absolutely nothing to do with this. I am unable to open an account now, and I am being treated like I committed a crime. I am currently looking for my documents. To show my complaint.

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 11-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Account was paid and full company agree to delete negative account off my report over 6 years ago. the company lied and am still dealing with issues on my credit due to account after i paid my money to pay off the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I filed a compliant initially as TransUnion had someone else social and accounts listed on my credit file initial compliant # was   XXXX   Now my credit does n't even pull up. I have many items that are open and active and no TransUnion credit report why? This has got to be resolved and is unfair to me. I need to make a financial move like yesterday and can not due to this problem. I NEED HELP

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 01/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with LINEBARGER GOGGAN BLAIR & SAMPSON LLP (IL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: COLLECTOR FAILED TO SEND VALIDATION LETTER ALONG WITH INFLATED FEES AND IS COLLECTIONG WRONG AMOUNT. THERE IS A TAX LIEN ON MY PROPERTY IN THE AMOUNT OF {$800.00} AND A APY OFF OF XXXX, WITH WILL BE PAY ON XXXX/XXXX/2016 VIA HUD-1 CLOSING STATEMENT SOLD HOUSE ETC..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2015 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (FL).
Issue: Managing, opening, or closing account

Complaint: Today is XXXX/XXXX/2015 and I still ca n't get my {$1600.00} off my Rushcard!!!! It 's been 8 days!!! 

On XXXX XXXX, 2015 Rush Card indicated they were doing a system update, after the update thousands of customers including my self no longer have access to the money on their card. I have direct deposit set up through job that goes directly on to my rush card. They are holding {$1600.00} of my money. I just started my new job and already had to wait 3 weeks for my 1st check. I have called their customer service department over 35 times since XXXX/XXXX/2015, and have either been hung up on, several times, placed on hold before even speaking to a rep for over 3 hours! What company has someone on hold for over 3 hours just to talk to someone. On several occasions I was on hold for over 2 hours just to be disconnected as soon as I asked to speak to a manager. I want my money. I have bills to pay, not to mention I have had to borrow money to pay my light bill that is due today. I have had to catch a ride to work because I do n't have money for gas to get back and forth to my new job. There are XXXX people who are suffering and ca n't get access to their hard earned money, because XXXX ( Rush Card - XXXX XXXX ) is holding peoples money hostage. Not to mention they have a transfer feature on the Rush Card App, that did allow you to transfer money to anther Rush Card, of a friend whose card may be still working : but that mysteriously is n't working. Now that does n't work either. This is ridiculous! I want my money!!!!! {$1600.00} is not a little bit of money! I need my money to pay my bills! Why would XXXX not contact people and offer to send us a certified check???? If XXXX ca n't assist with fixing the problem then, how about you send people 's Direct Deposit back to their employers? How hard is it to just give people their money back??? XXXX & Rush Card are stealing/robbing people by not giving them their money!!! 
Desired Resolution : RefundDesired OutcomeSend me my money!!! {$1600.00}!! I want a certified check sent overnight to me ASAP! Close my Rush Card account and never contact me again!!!! I want them to give me my money that I earned and worked hard for!!!! 

Please help me!!! 

XXXX XXXX XXXX XXXX XXXX. 
XXXX, Fl. XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 12-08-2016 about Credit reporting () with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I found several ( XXXX ), derogatory accounts on my credit report that are older than 7 years. I have been a lazy credit keeper concerning my credit reports and assumed, by my mistake, the credit bureau would automatically remove ones over 7 years old, they have not. I read I have the right for their removal, and that 's what I am asking. There was a discrepancy some time ago, but I do n't remember when.

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 10-05-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: There was a complaint filed against a collection agency ( XXXX ). This agency continues to reinsert a collection account to my credit report. The agency was provided with supporting documentation in regards to NOT OWING monies to XXXX. The dispute yielded a remark of " account information disputed by consumer, meets FCRA requirements ''. 
Still, the recent addition has brought my credit scores lower. I am tired of having to continuously challenge this agency 's abusive practices. I would like for actions to be addressed and reprimanded according to the consumer and credit protection laws.

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 01/21/2017 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: 1.There is a collections account on my Experian credit report that appears twice but listed under to different collection agency names. Experian claims that its not reporting on my report but that information is false. Company is XXXX with a balance of {$700.00}, XXXX, XXXX XXXX MO XXXX. The other reporting agency is XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX with a balance of {$700.00} This inforation should not be reporting on my report information is not accurate. 
2. Collection recors with XXXX is not correct those bills were paid in full, comcast will not provide service if you owe a outstanding balance. These items should be removed 3.XXXX XXXX bank is reporting my late payments never late with payments. 
4. XXXX reports account in collection, this company filed a judement but never showed up in court to verify account, this item should be deleted from report.

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 03/29/2017 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (OH).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I was not made aware that my debt had been sold. After finding out that it had been sold, I then asked and requested that Portfolio Recovery LLC, needed to provide some type of validation that I agreed to now pay them, after several months of back and forth they failed to provide any documentation with my signature as per FDCA. As a result my credit has been damaged because of these actions. I would like that, it be removed from my credit report immediately, or i 'll be forced to take this to court.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2015 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I am writing to dispute being charged fees in the amount of {$710.00} on my account. The amount is inaccurate and I am requesting that the error be corrected. 
When I lost my job and I was late I called Seterus and I was told they are here to help so I tried to get a modification, but I was they declined, so they worked out a payment plan with me and I would not be charged any fees. 
In XX/XX/XXXX and XX/XX/XXXX I had financial problem so I only paid a portion of my mortgage because I was told to pay something then I realized the money was not going towards my mortgage, I called Seterus and that 's when I was told that I have been being charged late fees since XX/XX/XXXX and the portion of the money that I have been paying was only going toward fees, which I did not know I had. 
Also they charged me fees to go by my house when I 'm talking to them and telling them that it is occupied I believe that this company is unethical and the FTC should have them investigated. 
Please investigate this matter and correct the billing error as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: XXXX XXXX is showing up on all 3 credit bureaus. I have disputed this acct with the company directly and with the credit bureaus. And they will not remove this account from my profile. I have asked them to provide me with the original loan application with my signatures and they haven't not provided me that. They sold the account to XXXX XXXX XXXX on XX/XX/2016 with an balance of {$4600.00}, I have also reached out to them asking for a copy of the original loan application. My date of both is incorrect when they called to try to verify the account with me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation