milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: To Whom It May Concern   XXXX     XXXX   XXXX   XXXX    XXXX , CA  XXXX  Experian   XXXX   XXXX   XXXX    XXXX , TX  XXXX   XXXX    XXXX   XXXX   XXXX    XXXX , GA  XXXX    XXXX   XXXX   SOC SEC #  XXXX  DOB  XX/XX/XXXX    XXXX   XXXX   XXXX   XXXX  ,   XXXX   XXXX  , FL  XXXX  To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address   XXXX   XXXX   XXXX   XXXX  ,   XXXX   XXXX  , FL  XXXX  I HAVE BEEN LIVING THERE SINCE  XX/XX/XXXX  Have enclosed a copy of two bills PLEASE UPDATE MY CURENT ADRESS ADDRESS :   XXXX   XXXX   XXXX   XXXX  ,   XXXX   XXXX  , FL   XXXX   Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.
Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.
Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a copy my bills with my Name and current address.
SAINRILUS, DIEUMENE SOC SEC #  XXXX  DOB  XX/XX/XXXX    XXXX   XXXX   XXXX   XXXX  ,   XXXX   XXXX  , FL  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 02-01-2018 about Checking or savings account (Other banking product or service) with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Closing an account
Sub-issue: Can't close your account

Complaint: OnXX/XX/XXXX I contacted XXXX XXXX and informed them of my mothers XXXX and requested them to transfer funds in the account XXXX to me mothers estate account, my name is on the XXXX   account but they requested I close out the account which would take less than 9 days. I emailed them her death certificate, Affidavit of Domicile and Letter of Authorization for wire transfer. On XX/XX/XXXX I verified that they received all the documents they required and was promised that this would be all that was required and the would transfer the funds within the next 9 days. On XX/XX/XXXX I contacted them again as they had not transfered the funds and was told that I needed to complete 3 items and 2 of the items were complete and the third item was a sales pitch for me to put my name on the account and keep it with them, I told them that the estate was to be divided to several people. Still nothing had been done and no one had contacted me so I called them on XX/XX/XXXX and told them they needed to act on this that day and again they promised to return my call that day but never did. I have been dealing with : XXXX XXXX  Relationship Consultant XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Il XXXX  phone XXXX XXXX XXXX   sXXXX 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 monetary relief
Consumer complaint received 01/16/2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MI).
Issue: Late fee

Complaint: Capital One payments must be made by XXXX that day, otherwise it is considered late and their system will not post the payment until the next day. If my payment is due on a certain day of the month, I should have until XXXX to make my payment and not be penalized with a late charge.

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2016 about Money transfers (International money transfer) with PAYPAL HOLDINGS INC. (NJ).
Issue: Fraud or scam

Complaint: This guy promised to give me my items for XXXX XXXX. I gave him the money, waited a few days for the items to come. I never receive anything, its been like 6 days and he has n't sent me any items of any sorts ...

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2017 about Debt collection (Medical debt) with TRANSWORLD SYSTEMS INC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Dear Sir, I hope this message finds you well I am an international XXXX graduate, had a clinical rotation at XXXX XXXX XXXX from the period of XXXX XXXX XXXX XXXX XXXX XXXX during which i was covered by XXXX XXXX ( which the XXXX XXXX XXXXXXXX asks us to purchase before starting our clinical rotations ) We also pay XXXX dollars for a month of the rotation ( its not for free ) One day my XXXX  was XXXX and XXXX ( XXXX XXXX ), so i went to the coordinator office, I HAD NO INTENT of going to the Emergency department, the coordinator asked me to go to ER and present them with a copy of my insurance and she mentioned that it would cover everything there. 

I went to the ER, presented my insurance copy, waited for my turn, ER doctor was unprofessional himself, he injected the XXXX so i could feel XXXX when he extracts the XXXX HOWEVER he came back late when XXXX faded away and it was very painful. I did n't file a complaint by that time. 

Since then, I have been receiving plenty of calls from debt collector and i have been spending ample of time trying to resolve the issue with them and XXXX XXXX XXXX  However they are refusing to communicate with Insurance company, been calling them over 10 times. One representative actually told me WE DONT DEAL WITH INSURANCE. 

I am attaching my insurance copy and also attaching a copy of the debt collection. 

I am writing to you so you could please resolve the issue, please put some points into consideration - i paid XXXX usd for 2 months of rotations at XXXX XXXX and XXXX  XXXX XXXX - I had a valid insurance when i presented to ER - i had no intent what so ever to go to the ER except after knowing that insurance will cover all the cost Thank you so much looking forward for your response Happy Holidays XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2016 about Debt collection (Medical) with GLA Collection Company, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I found a `` XXXX '' account on my credit report in the amount of {$170.00}, Account No. XXXX. It was opened XXXX/XXXX/XXXX and reported to my credit XXXX/XXXX/XXXX. 

I did not go to XXXX XXXX XXXX XXXX or take my adult sonvthere in XX/XX/XXXX or XX/XX/XXXX. I also never signed anything giving anyone permission to take my son there so this could not be my bill. 

I have repeatedly requested verification of this account being mine from GLA Collections as well as from XXXX XXXX XXXX XXXX. I have never received any verification from them because this account does NOT belong to me. They either entered information incorrectly or someone used my name. I dispute this information. This is NOT my bill. 

I am also unable to find out exactly who I supposedly owe this too. I live in XXXX and have googled this place in XXXX and sent letters to any addresses I could find.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2016 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: Carrington Mortgage bought out my home loan. My mortgage payment is {$500.00} per month plus {$200.00} for escrow. When I called in to set up a payment to pay my mortgage on XXXX XXXX, 2016 a Carrington representative stated to me that every 30 days that if the mortgage is not paid, that the send someone to ride by the property to make sure that the property is still occupied and that this fee is {$460.00}. This unnecessary fee is like I 'm making double the payment. This can not be legal. What ever happened to late fee after 30 days. I am requesting that this matter be investigated because this company is ripping consumers off!!!! My loan number is XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX. You may contact me at XXXX. My name is XXXX XXXX and my husband 's name is XXXX XXXX. You may contact me at any time. Thanks! 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2018 about Debt collection (Medical debt) with Financial Data Systems (NC).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Financial data systems L. The account was opened on XX/XX/2015. I had a procedure to remove my first XXXX  at XXXX XXXX XXXX XXXX XXXX. After they removed the XXXX they apologized and said they did not have any other devices in stock and that it would take at least another month to get more in stock. They said that would mean they would need to reopen a healer wound. The doctor did not recommend this and referred me to what they called a sister clinic. I asked the receptionist if this procedure would be covered 100 % by my insurance ( as it has in the past ) and the receptionist reassured me it would. I went straight to the sister clinic and had the XXXX XXXX by a med student. This med student XXXX the device improperly, which would cause me to XXXX XXXX XXXX to have the device removed three years later when the device was somehow undetectable. Then I receive calls from a credit collection agency saying that I never paid my hospital bill. I called XXXX XXXX XXXX XXXX XXXX and the sister clinic ( which was actually new XXXX XXXX  medical centers ) to try to figure out how I could possibly have a bill. They stated over and over that my insurance didnt cover the procedure. I called my insurance who stated procedure should had been covered. I called the collection agency and relayed this information and to no avail they claim that I still owe them money for this procedure.

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 12/13/2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (MA).
Issue: Struggling to pay mortgage

Complaint: To whom it may concern, I am writing to you today in search of some assistance. On XXXX/XXXX/XXXX I listed my property for sale. It has been listed as a short sale based on the fact that I had fallen behind on my monthly obligations. I noticed that a house very similar to mine was recently sold via short sale for {$180000.00} and it was on the same street as my property. I received an offer after a week of marketing the property for {$180000.00} that my realtor then presented to my lender. Based on current sales on the street this was a very strong offer. We asked the lender to proceed with the review based on this information and they advised that since the sale date was XXXX/XXXX/XXXX they did not have ample time to complete a full review. The offer package was submitted to SPS on XXXX/XXXX/XXXX ( 32 days before the scheduled foreclosure sale ). The problem with this is that I have tried to work with them in the past and they have never attempted to help me in any way. Now that I am in this predicament they want to hurt my family even more by deciding to move forward with the foreclosure rather than giving us 1 last attempt in getting a fair resolution for all parties. I ask that you please help us and allow the lender an additional 45-60 days to complete a short sale review.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2018 about Debt collection (I do not know) with Ability Recovery Services, LLC (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I checked my credit report and I found couple company 's name claims that I owe them money Ability recovery services XXXX $ XXXX XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX $ I tried to dispute These false claims thrue XXXX and they did not remove it after they did not get an evadance to support these companies claims

Company response to consumer: Closed with explanation
Consumer complaint received 12/24/2017 about Debt collection (Other debt) with Convergent Resources, Inc. (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: The company name is XXXX which is located in Georgia I never live in Georgia I live in XXXX XXXX XXXX were I reside for years some in Georgia must of used my name I live in New York and we do n't carry XXXX I have a cable name XXXX XXXX hopefully I could get this resolved and taken off my credit report hope to hear from someone soon thank you

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 05-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: The Company,  XXXX   XXXX   XXXX , has begun garnishment before sending me a copy of this loan, which is not my loan. I demanded over and over for months the copy of the note, and all other information of the loan and me, they had. After, they started garnishment they finally sent me the note only. Which turns out is not my note. The signature is obviously not my signature, and I was living in  XXXX , with the  XXXX   XXXX  at the time. They should have sent me the copy of the note, so I could know what they were talking about, and distpute the note. I believe, they knew the note was fraudulent and waited to start the garnishment, so I could not distpute the loan. This deniad me the right to distpute the note. When ever I talk to the  XXXX   XXXX  operators, I go in circles with them. This is every single time I talk with them. I am certain, they sent me the note, not until, after they started garnishment deliberately, because they know it is not my note ; some how. I was deliberately denied, by  XXXX , the right to distpute this note, by them refusing to sending my information and the copy of the fraudulent note. I can proof this is not my note, by the obviously fraudulent signature and the date the note was signed. This is not my note. Is n't this illegal?

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 Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (KY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Sent out dispute letter XX/XX/XXXX.
Account not validated.
Called XX/XX/XXXX and XX/XX/XXXX. 
Customer service was unable to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2015 about Credit card () with U.S. BANCORP (CA).
Issue: Advertising and marketing

Complaint: I applied for the XXXX XXXX XXXX XXXX XXXX XXXX card from US Bank in XXXX 2015. One of the main reasons I signed up for the card was for the Bonus Award Nights program, which was prominently featured in the advertising on their website at the time, and which I felt justified the {$75.00} annual fee on the card. Shortly after applying for and receiving the card, US Bank informed me that the Bonus Award Night benefit was going away at the end of XXXX 2015, less than one month after they charged me the annual fee and less than two months after I signed up for the card based on the availability of this benefit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/17/2016 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Equifax - Please do not simply delete the Pay History as you know, the impact to scores and ones report is harmful immediately. 

XXXX XXXX 1. Is showing on my credit reported as Opened in XXXX and Closed in XXXX or XXXX, which should be 1 month reviewed. 
2. The account has 27 months reviewed, which is inaccurate and impossible 3. The account also has Pay History from XXXX to XXXX - with an actual PAYMENT in XXXX - which we know is impossible for an account that closed with a XXXX balance 6 years ago. 
4. This account is incomplete and inaccurate. 
5. Please validate the account attributes, and update the Tradeline - or delete the account.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Municipal Collections of America, Inc. (IL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I was contacted by MCOA and was notified that I have a debt for XXXXXXXX for XXXX XXXX XXXX XXXX ticket. I informed rep that I have not received written notice from XXXX XXXX PD or MCOA stating this debt and until I do, I will disregard any debt collection attempts by phone. I called XXXX XXXX PD and requested original citation be sent to my address. This was done and received on XXXX XXXX, 2015. I have yet to receive validation of collection for MCOA attempting to collect a debt. This information has been reported and is now on my credit report. I do not have an issue paying the original balance. However, I find it odd that a collection agency finds it appropriate that they can collect funds over the phone without validation of debt in writing to the consumer. I still occasionally receive calls, however, I will not be responding until I receive a written validation of debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: I have made principal payments to Chase which they did not apply to principal. Rather, they said they considered it " advance payments. '' I need these payments applied to principal retroactively. I have spoken to the executive branch there, have been promised return calls but have heard nothing. I need the proper principal amount as I have an ARM and my monthly payment now is being calculated on a higher principal amount.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: In XX/XX/XXXX, XXXX XXXX XXXX, Card number XXXX XXXX XXXX XXXX, wrongfully marked a payment as 30 days late. When I dispute the for the record to be corrected, they continuously switch the month disputed between XX/XX/XXXX and XX/XX/XXXX. This makes the claim new over and over again and has been going on for over 7 months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/24/2017 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (OR).
Issue: Struggling to pay mortgage

Complaint: I have been in the middle of loss mitigation with  Bank of America but  they have filed a foreclosure lawsuit on me on   XXXX   XXXX   XXXX    . Please find the attachment with my complaint and supporting documents.

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 06-07-2017 about Student loan (Private student loan) with WELLS FARGO & COMPANY (FL).
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint: I can not pay my loans the day they are due due to having other bills due that are more important ( rent, utilities, etc. ). I have explained t his to Wells Fargo for the last two months, and have asked that they stop calling me. They told me they have to call me. The most I got was a seven da y call stop after I told them the earliest time I could pay. On  XXXX / XXXX / 17  I receive d four  calls from them between  XXXX  and  XXXX , and the next day is when I asked them to stop calling me.On  XXXX / XXXX /   17  I rec ieved five calls from them. I can not do anything about not being able to make my payments when they are due, and while I have not pursued the option of changing my due date ( in part because when I call it has never been offered ), I have tried debt consolidation with them and they will not consolidate it.I get the calls on my mobile phone and most of the calls come in while I am at work, when I can not take calls, which I  have explained to them as well.

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 10/19/2015 about Bank account or service (Checking account) with Empowerment Ventures, LLC (OH).
Issue: Deposits and withdrawals

Complaint: I am a Rushcard victim who has not been able to access my money for eight days. Rushcard did a system upgrade with a glitch in it causing thousands to be without their money. In my case they put my direct deposit on expired Rushcards instead of the new cards I have been using since XXXX 2015. I have emailed, called just to be hung up on, spoken with different Customer Service Reps just to be told different things. When you call they act like they do n't know how to help you or they are just plain rude. People ca n't pay bills, ca n't feed their kids, ca n't make it to work, has lost jobs behind XXXX XXXX Rushcard. We trusted him to protect our money who is going to protect us from him. Please help

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-02-2016 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This was a medical bill for when I was still a minor under my parents care. This should not be on my credit score since I was too young to even have a job.

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