milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/19/2018 about Debt collection (Medical debt) with HCFS Health Care Financial Services, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have been battling a debt that is being reported on my credit report which I do not owe. I have always had insurance and have provided proof of that to XXXX XXXX XXXX ; as well as XXXX  XXXX XXXX  ; the collection agency who's collecting on behalf of the credit. They have not done anything about it. I have contacted XXXX XXXX XXXX via fax with proof of insurance. I have faxed it on XX/XX/XXXX with proof of delivery. They stated that it takes 21 days to investigate. I have called back on XX/XX/XXXX for a status update, and they claim that they didn't receive anything. 

These companies do not want to take ownership of their negligence to correctly bill my insurance provider ; XXXX ; after I have done everything to show proof of the error. The burden of proof and accuracy of billing is with the medical staff and not me. XXXX XXXX XXXX is equally at fault as they haven't provided any validation of how this debt is my responsibility after I have cooperated with them diligently to provide them with everything they need. 

I spoke with XXXX on multiple occasions and they have confirmed that they were billed for other services on the same date of service ; XX/XX/XXXX, however never received a request for billing for this procedure in which I'm being punished for. 

This item is not my debt to bear and something needs to be done about it. 

I have enclosed a copy of the following : 1. Proof of Insurance during the Date of Incident 2. Letter faxed to XXXX XXXX XXXX 3. Proof of fax delivery

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 05-05-2017 about Debt collection (Other debt) with Convergent Resources, Inc. (MD).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: We were contacted by mail b y Convergent Outsourcing Inc. (  letter dated  XX/XX/2017    ) in an attempt to collect a " debt '' for {$2600.00} to  XXXX . We have never had an account with  XXXX . This is a scam company. The next wee k ( letter  dated   XXXX   XXXX   XXXX     ) we received a letter supposedly from  XXXX , attempting to collect a debt of {$2600.00}. I called  XXXX   XXXX  the real  XXXX   ) a nd gave them the " account number '' at the top of the letter. Sure enough, it was associated with my husband 's name. But the account was " under collection '' and they could n't tell me anything about it. When I told them this was being done by a scam company and we did n't have a real account with them, they told me to disregard the letter. I asked that a complaint be reported to a supervisor at  XXXX  since Convergent is engaged in illegal actions using  XXXX  's name.   I am concerned that many people are being scammed out of money by this company. The letter said that if we did not pay, that  XXXX  would be authorized to charge the full amount to what ever credit card we had on file with them. If someone had received this letter and actually did have a card on file with  XXXX , that would be very scary! Please do whatever you can to shut this company down!

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 12/31/2015 about Bank account or service (Checking account) with HUNTINGTON NATIONAL BANK, THE (OH).
Issue: Making/receiving payments, sending money

Complaint: I just opened an account threw Huntington bank am then I made a deposit an the same day they withdrawn {$190.00}. I called an they are trying to say I opened an account in 2013. An wrote a check that bounved. I never had an account at that time am never had a bank card or checks. So there is no way this could of happened I do n't no if someone has stolen my identity that is the only answer for this problem.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01-03-2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have submitted items that were fraudulent and Experian refuses to investigate.

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 09/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IN).
Issue: Problem with fraud alerts or security freezes

Complaint: This is the SECOND complaint about the same issue because the Experian failed to address the issue in complaint # XXXX. The company 's online freeze alert does NOT work, though I have tried many times to do so. Since I was affected by the XXXX breach, it is critical that my security freeze is applied at all three credit bureaus. Instead of addressing why Experian 's online security freeze does not work, they answered my first complaint with a general description of the XXXX breach, and what the options for security are. They NEVER answered my complaint about why they will not freeze my credit as requested.

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 01/23/2017 about Debt collection (I do not know) with TRANSWORLD SYSTEMS INC (IL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This company has been calling me everyday for the past few months and hanging up without leaving a message, or leaving a message with nobody speaking except people in the background. I called XXXX of the numbers back today and they said they are " Transworld Systems Incorporated ''. I gave them my number and they said they do n't have any record of calling me, my number is not in their system so there is nothing they can do. The numbers they have called me from are XXXX, ( XXXX, and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2017 about Debt collection (Other debt) with The CBE Group, Inc. (MI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I used to have a XXXX account, and I left XXXX because my bills were always over XXXX a month just for XXXX phone lines. XXXX XXXX, XXXX I went o XXXX and signed up with XXXX. I understood I had a balance due with XXXX and I tried many time to make arrangements with XXXX to continue t pay XXXX a month until this bill is paid off because as of now that is all I could afford. XXXX itself kept not corporating with me, and on XXXX XXXX, I started receiving calls from a XXXX person saying they are a partner with XXXX and want to collect a debt, I explained my situation to them explaining I am not working right now I am recoving from a XXXX and I can XXXX  between XXXX and XXXX a moth. they said if I want to return to XXXX I had to pa XXXX a month, I explained to them again, I can not XXXX this so I will not be returning to XXXX. the person I spoke with was XXXX who said she can set up arrangements and on XXXX XXXX, I paid XXXX to the XXXX PARTNERS OF XXXX. today, XXXX, I received a call from a gentleman from XXXX stating I had to make payments of XXXX. I said I had arrangements set up for the XXXX of every month to pa XXXX or XXXX he said well those are no longer good arrangements and I am only going to accept XXXX or more with new arrangements. that is against the law and I am not going to keep being harassed every day 5 times a day by this company. if I continue to stay under stress the next XXXX will kill me my doctor said. and it is very easy now for me to have another XXXX since I just had XXXX. I thought it was against the law for a company to do this to a consumer. I thought as long as a consumer makes payments a company can not do anything to them or put nasty negative things on their credit report. I want this matter handled immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MI).
Issue: Account opening, closing, or management

Complaint: On Friday XXXX XXXX my identity was stolen my bank account information my debit card information my social security number birth certificate was stolen as well. I contacted police made a police report to .I also contacted my bank bank of America on Saturday XXXX XXXX I went in to banking center to close my account as well the bank gave me the money back then they took it back stating it 's not fraud I have a police report to prove it 's fraud which I fax to the bank bank of America is not trying to help me at all I 'm being treated like the criminal instead of the victim since banking with bank of America I have been a victim of fraud on several occasions my information has been stolen in the past from using public library computers please help me I will mail you the police 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 monetary relief
Consumer complaint received 05-10-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Bankruptcy

Complaint: closed acct under chpXXXX bankruptcy still showing under my XXXX credits bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Equifax refuses to delete XXXX XXXX XXXX XXXX. I have submitted my ID theft affidavit by certified mail back on XXXX XXXX and placed a fraud alert on my account. XXXX and XXXX have deleted the fraudulent collections. I am requesting that equifax deleted the fraudulent collections has I have not done business with these companies not have I applied for any accounts with these companies! Section 605B states that the Credit bureaus must delete and block the fraudulent accounts from reporting after receiving the proper documents. If not deleted within 4 days of receiving this complaint my attorney will be forced to file a lawsuit which would be in my favor as XXXX XXXX Equifax information services, LLC ( XXXX. ) XXXX. Equifax has violated the federal law and I am well aware of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: OCWEN has sent a letter indicating that my hazard insurance coverage has expired and indicating that they plan to buy insurance for the property and they will charge me for it. I have had condo insurance in effect since I bought the unit in 2005 and the HOA has maintained it 's master policy insurance without a lapse. The mortgage was sold to OCWEN by XXXX and I had never provided insurance information to either party for the life of the loan, so there statement that their records indicate expiration of the policy are a falsehood.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (FL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: our card was used and we filed a police report and the lady at citi denied our claim she violated our rights under the FCBA and now where out the money that was used plus XXXX in personal time she has the united travel docs to prove that we wernt even in the country

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 03/22/2017 about Student loan (Non-federal student loan) with SLM CORPORATION (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: Sallie Mae has been informed - via US Mail to their normal payment address twice, and via telephone more than a dozen times - that it is inconvenient to receive phone calls due to my work schedule. They started calling nonstop ( 8 times to me so far today, 7 times to my cosigner ) yesterday and today, even though a payment was scheduled on their website and they have been informed of the scheduled payment. I 've spoken with 3 different people over 2 days ; 2 of those people stated I should not be getting calls, and that they had removed the phone numbers from the account. 

In my state, FDCPA applies to first party creditors. I have cited section 805.c of the FDCPA to them on numerous occasions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2017 about Credit reporting () with CITIBANK, N.A. (GA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: CITIBANK NA., XXXX -XXXX, XXXX-XXXX-Television & Radio I recently received a copy of my XXXX credit report. The credit report showed a credit inquiry that I did not authorize. I have previously disputed this item and it was removed from my credit. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 
I have sent a letter certified mail because I need a prompt response to this issue. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 
If you find that I am remiss, and you did have my authorization to inquire into my credit report, then please send me proof of this. 
Thanking you in advance.

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 04-12-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Credit card protection / Debt protection

Complaint: My wife and I have a Capital One credit card. 
On XXXX XXXX, 2015 I received a fraud alert regarding a charge over {$19000.00}. 
I immediately alerted Capital One that this charge is fraudulent. 
On the phone I was reassured that Capital One recognized the charge as fraudulent. 
Over the next months, I had numerous phone calls with Capital One representatives, including several managers. The representatives told me that the charge will go away when their " internal investigation '' is finished. I was told this could take 2 months but in the meantime Capital One would erase any fees and interest. However, for six months I keep on getting the monthly statement with the charge of {$19000.00} and with new fees and interest. 
A few months ago I was assured that the charge will definitely not show up anymore and neither would any fees and interest. However, again, every month I continue to see this charge with new fees and interest on my statement. 
I have spent hours on the phone. It is a very high charge and I feel helpless get this issue resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with NAVY FEDERAL CREDIT UNION (IL).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I had a visa credit card with Navy Federal Credit Union since  XXXX .  <P/> I rarely used the card, but paid interest on the balanc e (  card limit was {$1000.00}, and the balance was around {$200.00}  ) . I paid off the balance last week, and suddenly, the account was closed.  <P/> When I inquired what happened to the account, I was told that the account was closed in  XXXX . I was not notified of this, and had continued paying interest on the account, thinking that it was still opened.  <P/> I sent them a letter requesting that the account be reopened, since I paid interest all of this time, but they insist I apply for a new card. I feel like if they closed the account without my knowledge, and I 've paid regular credit card interest on the balance for the last 3 years, they either should reopen the account as per the previous terms, or they should refund all of my interest payments since  XXXX .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2016 about Debt collection (Payday loan) with ACE CASH EXPRESS, INC. (TN).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: On XXXX/XXXX/2016 I spoke with a representative who stated that she was going to send the police out to my home, and they told me that I had a class 2 Felony. The representative was yelling and telling me the only way to fix this would be through bankruptcy. They did not start the conversation with say this is an attempt to collect a debt. At first they did n't want to tell me what the debt was for. Then they continued to call me a after I got off the phone with them. I start to receive phone e call from restricted numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On XXXX XXXX, 2017, XXXX XXXX erroneously reported that four student loans allegedly incurred by me are 120+ days past due and the balances stated are incorrect. These liability on the loans and balances are presently in dispute and the subject of Civil Action No.  XXXX in the United States District Court , District of Massachusetts. The subject of this lawsuit is that the loans were procured by fraud ; TILA disclosure statement violations ; and conversion and/or misapplication of payments by XXXX XXXX. Despite the issues raised, and disputes filed with Equifax, XXXX, and XXXX, XXXX persist in filing negative reporting. The credit reports should read " disputed '' rather than delinquent. By falsely reporting to a consumer reporting agency, XXXX has committed violations of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2016 about Bank account or service (Checking account) with U.S. BANCORP (MN).
Issue: Account opening, closing, or management

Complaint: I have a safety deposit box at US Bank. They take the yearly fee from my checking account ... .which I agreed to have them do. They send no reminder by email or regular mail so that if I forget I will be charged a daily overdraft charge until I receive a notice from them and can put money in the account. If they can generate a notice of an overdraft they must be able to generate a notice that a fee is coming up on X-day. 
I see this as only slightly more honest a way of doing business than opening accounts in customers ' names without their knowledge.as XXXX XXXX did. I have a busy life and do n't necessarily have a big note on my calendar ... or have an extra {$99.00} in 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 explanation
Consumer complaint received 01/19/2018 about Debt collection (I do not know) with Advanced Collection Bureau, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX from Advanced Collection Bureau has been calling since XXXX trying to collect on debt that is not valid. I have explained this to her on the phone and told her to send me the paperwork proving this debt. She is saying I owe {$11000.00} on a lease debt. I wanted to complain also about the repeated calls daily and using abusive language. She has said they is a court judgement. There is no judgement. I never received any letters/notifications from the company who told her I owe this debt. She has made false statements or representation of the wrong amount. There is no way I can owe {$11.00}, XXXX that is more than the whole lease. She has also contacted my roommate and my parents multiple times after they said we wo n't talk to you. They said we do n't know her and where she is. She also threatened to damage my credit for this invalid debt. She has damaged my credit when she has not sent any documentation to me to prove/invalidate the 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 09/29/2016 about Credit card () with SYNCHRONY FINANCIAL (IL).
Issue: Payoff process

Complaint: I obtained a care credit account for XXXX, immediately after I was incorrectly charged by another physician, I contacted them to let me know, at the time they told me I was responsible for this charge and would have to settle it myself and make payments before I defaulted. I made payments and got the charge cleared off on my own. I was never credited for this and charged interest and late fees. Fine whatever I paid, I then used it for its intended purpose and got XXXX I needed badly. Well the XXXX office had a hard time charging them because I never actually received a physical card. 
So I am paying and I receive a notification that my account was sold to XXXX. I call them to try to fix this mess and they send me to a XXXX credit collection agency XXXX XXXX. I call XXXX multiple times during the days and left messages to try to resolve this issue to no avail.

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 03/14/2017 about Consumer Loan (Vehicle loan) with U.S. BANCORP (IN).
Issue: Managing the loan or lease

Complaint: U.S. BANK RECOVERY VIOLATED THE DODD-FRANK WALLSTREET REFORM AND CONSUMER PROTECTION ACT. ALSO, FAILED TO CORRECT BILLING ERRORS, AND THE CAR AND WARRANTY FAILED AND FILE LEMON LAW COMPLIANTS AND ARE NOW DEMANDING A SURRENDER AGREEMENT.

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 11-03-2015 about Bank account or service (Checking account) with SCOTTRADE BANK (CA).
Issue: Deposits and withdrawals

Complaint: My Scottrade account was hacked and Scottrade is refusing to honor their Online Security Guarantee. I would like to file an arbitration case against Scottrade but Scottrade will not provide me with instructions on how to file arbitration against Scottrade.

Company response to consumer: Closed