milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/25/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I disputed XXXX XXXX XXXX because it is a fraudulent account ; however it was not removed. I discovered this debt when viewing my credit reports. I went and filed a police report in which I am attaching the case number. I produced all of my documents. I am also attaching a copy of my mortgage document which shows my address of XXXX XXXX XXXX XXXX. Then I attached my property tax document which shows the time I resided at my current property, XXXX XXXX XXXX XXXX. I have never applied or received anything from XXXX XXXX XXXX at either XXXX of my residences. Also, when I contacted them none of the contact information was mine. I am asking you to delete this fraudulent debt from my credit report immediately and also please add the seven year extended fraud alert to my credit 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 explanation
Consumer complaint received 04/18/2016 about Mortgage (Conventional fixed mortgage) with Supreme Lending (GA).
Issue: Loan servicing, payments, escrow account

Complaint: I closed on a loan for a condo, XXXX/XXXX/15. A condition of closing was that flood insurance be in place. The loan was underwritten with inadequate coverage and it was 6 months, before I was notified. The letter provided, at that time, was not clear about the reason forced placed flood coverage would be implemented. When I finally got to the bottom of the issue no one could tell me why the loan was processed if all conditions had not been met. Furthermore, I have requested a written notice of exactly how much flood insurance is needed, but have received no response. The lender has not been able to explain why it took 6 months for their error to be discovered. After getting the run around from a customer service representative and hung up on, by her supervisor, I spoke with someone who stated an investigation would be started with both the Underwriting and Service depts. I was advised I would receive a follow up call from the head of the Service dept. This was over 3 weeks ago. To date, I have not received any communication from XXXX XXXX, XXXX Supreme Lending and their error has caused a {$1200.00}, annual, increase in my escrow payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-03-2015 about Debt collection (Medical) with JH Portfolio Debt Equities, LLC (IL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: i requested the creditor to verify the medical bills were mine. they sent me papers without my signature, social security or any self identifying information ( ie, drivers license or state id ). they also have me listed as " self-pay '' but i was group insured through my employer at the time ( XX/XX/XXXX-XX/XX/2013 ). i have asked them to verify this as my debt because it is reporting in my credit files. and in reading the itemized billing items, they overcharged for an MRI-they have it listed as # XXXX and i know an XXXX generally costs {$1200.00}. This is not my debt and I would like your help to investigate this bill.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: OnXX/XX/XXXX, Equifax was breached and leaked sensitive personal information. 

The breach lasted from mid-XXXX through XX/XX/XXXX. The hackers accessed peoples names, Social Security numbers, birth dates, addresses and, in some instances, drivers license numbers. They also stole credit card numbers for about 209,000 people and dispute documents with personal identifying information for about 182,000 people. And they grabbed personal information of people in the XXXX and XXXX too. 

Using the website setup by Equifax : https : //www.equifaxsecurity2017.comXXXX They have confirmed my personal information may have been impacted by this incident. 

They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties they are responsible for up for " trial periods '' of their ID protection services. 

They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement. 

Finally, they are making money from this situation by charging for credit freezes to be placed on the accounts of those affected.

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2016 about Credit card () with SYNCHRONY FINANCIAL (IL).
Issue: Delinquent account

Complaint: I recently found out that I had a negative mark on my credit. I have excellent credit. When I found out that Syncrony Bank/Sams Club had a collection on my credit I did n't know why because I have a business account and it is fine. I found out that they had opened an account for me with a small charge for a purchase I made, I thought, on my business account. I never got a bill or notice or even a card in the mail from opening an account. I went to Sams Club and they told me that an account was opened and they had the wrong address. They had part of my business address & part my home. But I do not ever recall even opening this account. They have advised me that it is fixed but it is not still. I need this resolved as this is erroneous and completely inaccurate.

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 01-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (CA).
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: 1-On XX/XX/XXXX i opened a bank account with Chase Bank 2-As i was managing my account on line a pop up appeared suggesting i apply for a credit card with chase.

3- The pop up made it clear that my application will not affect my credit score ( i am attaching their pages as it appears and as it prints out attachments A1 and A2 ). Which implicitly meant hard inquiry will not appear on my credit report ) 4- Immediately my XXXX monitor reported that i had made a hard inquiry and that my score dropped 4 points due to this inquiry.

5- I immediately sent chase and email explaining them the situation and asking them to remove the hard inquiry. they answered in 2 days saying they ca n't do it and i have to contact another department 6- I sent chase a letter on XX/XX/XXXX about the issue requesting them to delete that hard inquiry ( see attachment A3 ... ). they answered with a letter to send more information about the issue. 
7- I sent a letter to XXXX on XX/XX/XXXX ( A4.. ) of the incident and other incidents asking them to delete that hard inquiry especially that my written and or verbal consent is required as per the stipulations of the law.

8-Received letter from XXXX that though companies do not have my written or verbal consent they still can report a hard inquiry and i should object with your office. 
9- I sent chase second letter attachment A5 ) with more info.

10- Chase sent letter ( attachment A6 ) refusing to remove the inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: There is a dispute with XXXX XXXX. Without my consent and no notice, they have reported this account to the credit bureaus. It has been disputed. I even hired an attorney regarding this dispute. I will attach the letter.

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2018 about Debt collection (Other debt) with Diversified Consultants, Inc. (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Diversified consultants claims i owe XXXX {$110.00}. I checked with XXXX and i do not owe this, and never did. XXXX said its a scam. 
A XXXX search on this company seems to indicate that they are a scam company. 
XXXX said that they never heard if them and do not use them or their service. 
XXXX XXXX Said my account # is XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/23/2015 about Debt collection (Mortgage) with PNC Bank N.A. (NC).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: PNC Mortgage was notified of representation of the borrower on XXXX XXXX. Communication was sent to the Negotiator, XXXX XXXX, of the short sale to cease all communication with everyone except for the attorney. Negotiator continued to send communication to the borrowers and to the borrowers ' realtor. I called in XXXX and was told we would not have a counter until XXXX. A fax was purposely sent only to the realtor as to avoid communicating with the attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2015 about Credit card () with SYNCHRONY FINANCIAL (PA).
Issue: Payoff process

Complaint: Card issuer does not offer an option to enroll in automatic payments. I 'm not sure they even notify me about account balances. My credit has suffered as a result, because a few payments have been delayed. This is the PayPal Extra XXXX Mastercard associated with XXXX. I believe it 's through Synchrony Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Advanced Collection Bureau, Inc. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX retype my lease and changed dates and took my previous signature page from the past lease that ended on XX/XX/2011. And made copy of my signature page and add it to a new lease. My lease ended and I never did a lease renewal or gave consent to reinstate my lease the lease enter into a month- to- month. And rent was paid in full each month XXXX was given a 30 days notice as state in the lease. XXXX is trying to collect a debit that is not accurate.

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 10-03-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: There is debt listed in collection on my credit report. 
I was unaware of this debt and have not received any bills or corespondence from the original company or the collection agency. How do I get this removed from my credit 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 explanation
Consumer complaint received 03-06-2018 about Mortgage (FHA mortgage) with RoundPoint Mortgage Servicing Corporation (NY).
Issue: Trouble during payment process

Complaint: The mortgage company ( Round point ) failed to set up payment of my homeowner 's insurance through my escrow account, but still charged me monthly for the escrow payment. 

When it came time to renew my policy the money was automatically withdrawn from my personal checking account. The insurance company has sent numerous invoices to roundpoint at theirs, mine, and the insurance companies request so it can be paid through escrow and my personal account refunded, but after many weeks round point has failed to do so. 

They have requested the information and my account notes show the insurance company has contacted them about this many times.

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 06/20/2017 about Debt collection (Other debt) with Convergent Resources, Inc. (ID).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Thank you for your ear, In XX/XX/XXXX My family and I relocated from XXXX to XXXX, I contacted my cable provider and requested a final bill which was provided, I paid the bill immediately, ( copy attached ) A couple of months later a bill came for equipment XXXX XXXX claimed I had. I never received any equipment from XXXX as all I had provided to me was basic cable, I never accept leased equipment, and immediately after receiving the bill I sent a letter registered letting them know this was not a valid bill, in addition I requested proof I took possession of any equipment, ( copies attached ) This was XX/XX/XXXX. Not until yesterday XX/XX/XXXX did I hear back from them claiming I owe them for equipment, almost two years from my letter.

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 03-02-2018 about Debt collection (Other debt) with National Credit Systems,Inc. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On XX/XX/XXXX, I sent a certified letters to National Credit Systems , Inc asking them for debt validation of the account as I never received any bills prior to the debt hitting my credit report. The alleged debt is a sum of {$2900.00}. I received a letter back on XX/XX/XXXX stating they had attached verification of the debt they obtained from the service provider. The document provided included two full pages asking for payment but no details of the alleged account. Under the FCRA 15 U.S.C. Section 1681i any unverified accounts must be deleted promptly, they where not able to provide me with the proof or validation of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Money transfer, virtual currency, or money service (Check cashing service) with Fidelity National Information Services, Inc. (FNIS) (FL).
Issue: Fraud or scam

Complaint: I have contacted Certegy Check Services numerous times in regards to fraudulent checks that have been written in my name. I have done several police reports and spoken to numerous customer service reps in regards to flagging my name so that these criminals are no longer able to write fraudulent checks in my name. I was told that they are not able to flag my name but, could not give me a concrete answer as to why. At this point over  XXXX  checks have been written in my name  (  which have all bounced ) and the police came to my home looking to arrest me. If CERTEGY CHECK SERVICES would just flag my name the checks will decline and these criminals would be stopped. They have not helped me at all but, have reported me to the credit bureaus numerous times which has caused my score to go severely down. This is a nightmare and Certegy has done NOTHING to fix this problem. Please 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 explanation
Consumer complaint received 04/26/2017 about Debt collection (Medical debt) with TRANSWORLD SYSTEMS INC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: In the   XXXX   XXXX   XXXX   I was erroneously charged {$83.00} for co-insurance by the hospital I work for related to services provided in   XXXX   XXXX   XXXX   XXXX   XXXX  . Hospital policy is not to collect co-insurance from employees and family members covered under the employed individuals benefits plan. I did explain this in writing in a notification sent back to the hospital billing department.   In  XXXX   XXXX , I received a notice of debt collection from Transworld Systems Inc. I sent a written notice on  XXXX   XXXX ,  XXXX  demanding immediate cessation of attempts to collect this erroneous debt.   On  XXXX   XXXX ,  XXXX  I received another letter seeking to collect this debt with the addition of accrued interest making the total {$85.00}.   I have sent another notice to the company as of today,  XXXX   XXXX   XXXX  demanding immediate cessation of attempts to collect this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: In the XX/XX/XXXX - XX/XX/XXXX school year, I was currently enrolled more than half-time in an educational program, during this same time frame Navient reported all of my current loans as in default despite my student status ( and having mailed documentation to the loan servicer to provide documentation ). Navient incorrectly reported more than 27 late payments demonstrating an extraordinary intent to induce harm on my consumer file. This has caused a tremendous amount of XXXX. It is my intent to file suit against Navient for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2018 about Mortgage (FHA mortgage) with LoanCare, LLC (TN).
Issue: Trouble during payment process

Complaint: Mortgage servicing company is holding mailed payment check until after late fee date passes, 16 days after due date, then assessing {$45.00} late fee.

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 12/17/2016 about Debt collection (Medical) with Credence Resource Management, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I am trying to resolve ambulance charges for my elderly mother in XXXX XXXX. The charges were sent to Credence Resource Management in XXXX, and they are still unresolved. Mom ca n't hear and has XXXX that is progressing rapidly. I started contacting them in XXXX and they refused to talk to me. Their XXXX letter/bill to mom said that she OWED over {$1700.00}. But I see today on a Medicare statement dated XXXX XXXX, XXXX that Medicare PAID all but {$110.00}. Why were they asking for the full {$1700.00} in XXXX and until today? 

I submitted POA papers to Credence ( to get them to TALK to me as the daughter ) in XXXX and they said they never received them. Sent another large packet of papers including POA papers in XXXX with a signature receipt from XXXX XXXX. I received confirmation and signature from XXXX XXXX that Credence took delivery on XXXX XXXX. When I called on XXXX and XXXX Credence said they still had not received it. Their own internal paperwork is lacking! 

Today XXXX XXXX XXXX talked to Credence for a LONG time. They finally confirmed that they have the XXXX papers and can talk to me. They also confirmed that the bill was sent to Medicare and that Medicare partially paid it. {$110.00} remains to be paid. 

Mom has secondary insurance with XXXX XXXX XXXX XXXX - XXXX XXXX insurance. Credence REFUSES to send the remaining {$110.00} expense to XXXX XXXX XXXX, because they claim that it wo n't be covered. As I understand it you should just submit the expense and let XXXX XXXX XXXX determine if it is covered or not. 

Mom had an earlier ambulance ride XXXX XXXX XXXX ) that was FULLY covered by the combination of Medicare and XXXX XXXX XXXX. That is why I am insisting that the expense be submitted to XXXX XXXX XXXX. 

Please HELP get Credence to SUBMIT the residual {$110.00} expense to XXXX XXXX XXXX! 

P.S. This form is being submitted by the daughter who has POA. Mom ca n't hear and has XXXX which is rapidly progressing. I am just trying to resolve this bill.

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 01-07-2016 about Bank account or service (Savings account) with DISCOVER BANK (AZ).
Issue: Account opening, closing, or management

Complaint: I followed all the steps and fulfilled all the conditions laid out by Discover Bank. They also communicated verbally with the confirmation # and later via email communication. First they said bonus will be paid on XXXX/XXXX/XXXX. Later they said by XXXX/XXXX/XXXX. But till now no bonus ( {$100.00} ) has been paid. 
Please refer to the CFPB cases : Case number : XXXX Case number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Deposits and withdrawals

Complaint: Chase bank closed my account because loss prevention did not like that I was depositing my fiance '' a paychecks. At the time he did not have his own account and was having me deposit them for him. They closed/purged my account and reported it to XXXX XXXX XXXX as closed for cause. This also caused the same thing to happen to my XXXX checking and savings account. As a result I am not able to bank anywhere. Had I known that depositing my fiance 's checks would cause such an issue I would not have helped him out.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2015 about Consumer Loan (Installment loan) with Harpeth Financial Services, LLC (KY).
Issue: Managing the loan or lease

Complaint: My complaint is with Advance Financial in XXXX Tenn. XXXX They changed my payday loan to a flex loan my loan was {$940.00} due XXXX payment {$35.00} XXXX payment XXXX payment XXXX {$110.00} I have made both payments on time I now owe XXXX My next payment is XXXX {$110.00} the. Interest is XXXX per day and XXXX customary fee.Advance Financial lied to me about this Fllex loan the way they set this loan up I will never get it paid off. Its a rip off big time I have pleaded with them to terminate my loan because they did n't tell me the truth about this new loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief