milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-07-2018 about Debt collection (Medical debt) with HCFS Health Care Financial Services, Inc. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I received a phone call to collect a debt of {$730.00} for a medical bill. I asked the representative that contacted me in XX/XX/XXXX what the debt was for and I was told that ''it was for a visit to see my primary care doctor for a routine exam in XX/XX/XXXX ''. This is health information that the debt collector should not be in possession of I asked the name of the ''primary care doctor '' and I was not provided with that information. It is my right to know the original creditor. I also asked the agent if she was in possession of anything that would give her the legal right to attempt to collect a debt from me she never answered that question.She never verified my information so I asked her my address to make sure she sent the validation to the correct address and she verified an incorrect address with me. 
I asked XXXX XXXX XXXX to validate the debt and I received a letter ( that went to the incorrect address that was later forwarded to me ) stating that this debt is from XX/XX/XXXX for the sum of {$510.00}. 
The debt is reported on my credit as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XX/XX/XXXX {$730.00} {$730.00} XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX I then requested that I do not want the company to contact me anymore until they call legally show me proof that I woe this debt to them.

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 07/21/2016 about Bank account or service (Checking account) with TCF NATIONAL BANK (IL).
Issue: Making/receiving payments, sending money

Complaint: I had filed a fraud claim on a company that took money out of my account, and simply wanted to get my money back ( {$190.00} ). I figured it would be easy since I had n't signed a contract, nor did I authorize the payment. Within the week, I was issued a credit of {$190.00} to help me out until I get the refund, and a week later, the credit was withdrawn but yet to receive my refund. I was proceeded to be told that they had to notify the merchant about receiving the money, and that they had to give them 60 days to dispute the claim, and if it goes undisputed, I would receive my money. Within 30 days, the merchant called to notify me that they issued a charge back to my account, but my bank never received it. Now today, the 60th day has arrived, yet no money. I proceeded to call both my bank and then the merchant. The bank said that it is now going into an arbitration to get my money back, but this was new to me. They never disclosed this information about an arbitration before, and did not know I would wait another week. I was not given all the information, and was very frustrated because I am needing that money for food and gas. The merchant claims to have given back the money on XX/XX/XXXX and they e-mailed me that information, but my bank has no record of it. Then, another phone call to my bank resulted in my refund being received but was removed by branch management. Then, I was told the credit that was issued to me should never have been given to me, and I was also told that in the future, I " should n't be giving out my payment information '' which I thought was uncalled for, since she did n't know the whole story. I tried calling the branch that issued me the credit, but there was no number listed. I called the Customer Service again, and was given the number to then only be told that the money has yet to be received. I called the merchant, and they sent me information regarding the bank chargeback, and the merchant would not be able to discuss my account with the bank, nor would they have a record of when the bank contacted them because of some policy. Customer support for my bank was very disappointing, and frustrating. They gave me different scenarios for my problem, yet have no clear answer. It also seems they really made no attempt to contact the merchant, which makes me feel they are not working in my best interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 01/13/2018 about Payday loan, title loan, or personal loan (Payday loan) with CURO Intermediate Holdings (TN).
Issue: Struggling to pay your loan

Complaint: On a {$1500.00} loan that originated in XX/XX/XXXX, I have made the following payments : {$320.00} on XX/XX/XXXX {$350.00} on XX/XX/XXXX {$350.00} on XX/XX/XXXX {$380.00} on XX/XX/XXXX and {$180.00} onXX/XX/XXXX. 
There is a payment due XX/XX/XXXX for XXXX. All of these payment have totaled {$1500.00} not including the XX/XX/XXXX payments made on this account. Needless to say, this has put me in serious financial distress. My bank account is constantly overdrawn, and I have been unable to make a payment on my state and county taxes which are seriously delinquent. I need some kind of consideration on this loan. I do n't know how many more payments I owe or what those payment amounts will be.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: XX/XX/XXXX : I called XXXX XXXX about refinancing a rental cottage. They told me my credit report showed house was discharged ( lost ) in a bankruptcy. So I can not refinance. Rep told me BAC never reaffirmed that I was paying.

I called XXXX XXXX. They say their Bankruptcy dept will look into it. I could call back in a few days to see if they 've done anything (!! ) I checked the 3 Credit Reports. All of them show the following incorrect information : 1. That my cottage mortgage to BAC was discharged in bankruptcy and now was closed. TRUTH ; It was not discharged. While it was on the bankruptcy list, I missed 3 payments to BAC. Judge allowed me to keep the property. BAC transferred the note to XXXX, who has a debt service contract with them. XXXX  assigned a new acct number.

I paid the back payments and then made every monthly payment.

After a year of making EVERY payment, XXXX transferred note back to BAC. BAC used the original loan number.

HOWEVER, BAC NEVER REAFFIRMED MY PAYMENTS. Sidebar : BAC also did not pay the taxes due XX/XX/XXXX because they said a ) insufficient funds in escrow even though I had been assuming they were collecting tax funds needed and b ) XXXX county allowed them to pay in XX/XX/XXXX. Result : I did not get the XX/XX/XXXX tax credit for taxes paid! They should be closed for this incompetency. If insufficient funds, it was their fault. I paid the mortgage and escrow!

2. My credit reports ( 3 ) state that my mortgage to XXXX was discharged in bankruptcy and then just listed as transferred.

RESULT : IT APPEARS I LOST TWO HOUSES IN BANKRUPTCY WHEN I DID N'T LOSE ANY!

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 12-01-2015 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: experian reinserted negative information from us dept of ed. which had been disputed and cleared one year earlier, after months of disputing information and providing proof of inaccuracies, experian removed again, but now creditor continue to state that experian is reporting negative information on XXXX accounts while my credit report has XXXX negative accounts.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I launched a dispute against Equifax on XX/XX/XXXX regarding the below accounts : Case ID : # XXXX -- {$2500.00} XXXX County Clerk XXXX XXXX XXXX XXXX, NY XXXX Case ID : # XXXX -- XXXX XXXX County Supreme Court XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NY The following items are inaccurate because I have satisfied the accounts, and the courts failed to issue a formal tax lien withdrawal notice. Additionally, I would like it removed under the new fresh start policy of the IRS. I meet all of the qualifications and eligibility, per the IRS notice on XXXX, XXXX XXXX, XXXX, states in pertinent part : Tax Lien Withdrawals The IRS will also modify procedures that will make it easier for taxpayers to obtain lien withdrawals. Liens will now be withdrawn once full payment of taxes is made if the taxpayer requests it. The IRS has determined that this approach is in the best interest of the government. To speed the withdrawal process, the IRS will also streamline its internal procedures to allow collection personnel to withdraw the liens. 

On XXXX XXXX, XXXX, Equifax indicated that they had no record me previously filing a complaint regarding the above accounts. And indicated that I would received a notice within 30 days. After reading the response, I logged into the Equifax website and download proof that indicate my previous attempts regarding the above accounts. I have attached proof that Equifax did not investigate my concern properly, and I want these account removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Previously the XXXX account was stale reporting XXXX XXXX and my mortgage lender requested a credit supplement. I provided TU with documentation showing updated account balance of {$0.00} ; however, they did not update accordingly. Currently the reporting is 60 days stale showing last reported XXXX/XXXX/XXXX. I have provided a XXXX/XXXX/XXXX statement with the redispute XX/XX/XXXX but they have not yet updated the account to reflect accurate reporting.

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 04/14/2017 about Other financial service (Debt settlement) with National Budget Planners of South Florida, Inc (MN).
Issue: Fraud or scam

Complaint: I enrolled in National Budget Planners of South Florida debt consolidation program ( aka : XXXX ) a couple of years ago and paid {$300.00} to get started in this program. I paid {$59.00} dollars per month for approximately 2 years, thinking that their service was helping me consolidate my loans into XXXX payment of {$59.00} dollars per month. But I found out later that they were taking my money and not doing anything to help me consolidate my loans. This got my loans into a deliquency status. Also, I am a vulnerable adult with XXXX and XXXX. I feel like they took advantage of me and that my loans went into deliquency because of this. Also, my recent credit report shows that I lived at their company address in XXXX, XXXX, which is incorrect, as I live in XXXX, XXXX and never lived in XXXX, XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06-03-2015 about Consumer Loan (Vehicle loan) with HYUNDAI CAPITAL AMERICA (CA).
Issue: Managing the loan or lease

Complaint: I purchased a XXXX through a XXXX dealer and financed it through Hyundai Motor Finance ( HMF ). I set up autopay to HMF from my checking account. The loan was paid off in XXXX of 2015. HMF debited my account more than was due for the final payment. Then HMF continued to debit my account each month after the loan was paid off ( and after I had received the pink slip from the California DMV ). I called HMF on XXXX XXXX to revoke autopay and to get my money back. Autopay should have been automatically stopped when the loan was paid. I repeatedly asked HMF why this did n't happen but no one would answer the question. HMF insisted that the only way to return the funds was via paper check after XXXX business days. They did not revoke autopay and debited my account again in XXXX. How is this legal? If you pay off a mortgage the bank does n't keep taking payments. Why is this different? I should be compensated for the loss of use of the funds illegally debited from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX XXXX is reporting my mortgage payments as being delinquent on my credit report for during the period we were modifying the loan with the loan originator - Bank XXXX is the servicing agent and they were instructed that during the modification period we were not required to make payments yet they still reported our payments as being not made. I have repeatedly addressed this with them - I have spoken with XXXX Mortgage who owns our mortgage and they instructed us that they informed Bank XXXX not to report any late payments on our credit report since they did not require the customer to pay during the modification period. We had a previous modification that took over 6 to 7 months and that was not a problem with any reporting but for what ever reason this last modification is showing up on our report as non payment during the modification - if that was the case I would have continued to make the payment because previously to the modification, all payments were made on time. Bank XXXX has refused to fix this mistake and now it 's becoming a major issue because we are trying to apply for other funding and its affecting the results due to this mistake.

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 10/16/2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid off a XXXX XXXX Bank credit card XX/XX/XXXX. There was several late payments, but the card was paid in full. I have Bank Statements showing this. XX/XX/XXXX, Portfolio Recovery Associates filed a lawsuit stating I owed them money. We went to court, but before we went in, I showed them the paperwork and they asked the case be dismissed. Now, they have filed suit against me for the same amount. While going through their paperwork, I realized they do n't even own my account. We are going to Trial this next Thursday and I have asked for a Court Reporter to be present so I can have documentation of what they say during the trial. I have now missed multiple days of work, I 've had to pay for official bank records, and I 'm very stressed about something I should not have to be going through. It must be illegal for them to do this, especially when they already have all the documentation that this debt is paid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/19/2017 about Debt collection (Auto debt) with SUMMIT FINANCIAL CORP (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Summit Financial Corporation is  stating that I owe  XXXX  different amounts on all my credit reports. I voluntarily surrendered my vehicle abo ut two m onths ago. The vehicle was sold about a month ago and my credit reports are not indicating the right amount owed. They immediately reported to my credit report that I surrendered the vehicle but has not decreased the amount owed on any of my credit reports. I was advised verbally that the amount owed after the vehicle was sold was a little over {$8000.00}. My  XXXX  Credit Report is showing I still owe {$12000.00}, my  XXXX  Report is showing I owe {$13000.00} and my   XXXX   Report also has an incorrect amount owed.

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 07-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Equifax is reporting 2 account that are over 7 years, account needs to be deleted. the account is XXXX XXXX and XXXX XXXX. XXXX XXXX isXXXX XXXX XXXX XXXX XXXX, IL-XXXX ( XXXX ) XXXX they are lying about date of last activity, they say it takes 10 years for a credit account to be removed, this account is over 7 years, All people there ca n't talk English and know nothing about credit. This needs to stop. The people there are unknowledgeable, unwilling to help, and rude. Equifax iis very slow to act, web site is terrible. This problem should be brought to someone 's attention. Disgraceful as a CRA can get.Same problem with ed financial, this account was cancelled due to XXXX of borrower, its in their cancellation clause. But Equifax always says that verified, wrong look it up if borrower is declared XXXX, loan is cancelled. This was the case. Company policy states this, Equifax wo n't take the time to review

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Debt collection (Medical debt) with Commonwealth Financial Systems, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This collection was previously disputed and removed from my credit reports. This debt is not owed and was put back on my credit without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with LoanCare, LLC (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I 'm currently in the XXXX XXXX and during the last 2 years, I was mobilized twice. Loancare, a XXXX XXXX, also known as XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX, VA XXXX ) assumed my VA loan from another mortgage carrier. My auto-payments were going to the original lender, and in XXXX and XXXX of XXXX, while mobilized, they reported a 30 and 60 day late payment ; though the payments were being made in a timely manner ( to the original lender ) I was not aware, as I was overseas. Then in XXXX of XXXX, I was again mobilized for 70 days and they again reported a 30 day late payment, when I had told them that I needed a few extra days, and they agreed and agreed not to report my late payment. I was late by 3 days. Now I 'm unable to get a Home Equity loan or refinance my home. 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 02/23/2016 about Bank account or service (Checking account) with M&T BANK CORPORATION (MD).
Issue: Using a debit or ATM card

Complaint: My bank M & t has allowed a unauthorized transaction to come threw my account knowing that we have never signed the paperwork with XXXX XXXX to run the card. Now we no why of get to are money because we donot do personal checks because someone has stolen my social security number. This has happened more then once. We can not just go get money we can only do it when they have banking hours. This is XXXX and do not know how the banks get away with it. This is called fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (MO).
Issue: Settlement process and costs

Complaint: I have now paid 27 % interest with a {$120000.00} prepayment penalty and {$99000.00} balloon payment for my house. 

Is this illegal? 
I believe the balance is my XX/XX/XXXX mortgage paid off in XX/XX/XXXX refinance with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: On XXXX XXXX, XXXX at about XXXX p.m. I attempted to enter into my Capital One XXXX account to make a payment. I received a system error message ( a similar screenshot is attached ). 

At about XXXX p.m., I called Capital One to see what the issue was and was connected with " XXXX '' at Capital One customer service. First, " XXXX XXXX said that I called last month claiming I wanted the account closed ( not true ). Next, he said that the account was closed due to possible fraudulently activity. Obviously, I was concerned of identity theft, so I pressed " XXXX '' for more details. 

" XXXX '' then accused me of fraud by saying that the account was opened fraudulently. I challenged this assertion, noting the account has been open for years and I paid every month on-time. I also questioned why if this was a possible fraud case I have not received ONE NOTIFICATION regarding these issues with my account. " XXXX '' then said I would need to wait to be contacted and " XXXX '' refused to divulge any more information. I then asked to speak to " XXXX 's '' supervisor. 

I do n't have " XXXX 's '' direct supervisor 's name, but the supervisor basically told me the same information as " XXXX. '' I then demanded to speak to a senior XXXX and after XXXX-minutes on hold I spoke to " XXXX. '' " XXXX '' said the account has been identified as a possible fraudulent account since XXXX XXXX and it has been closed. I then repeated my concerns that the first I am hearing about this is when I called about issues regarding my account. " XXXX '' claims a letter was sent by mail to my home ( not true ). Further, I did not appreciate being accused of fraud with no proof. Or, if I 'm the victim of identity theft, that I stand idly by until Capital One decides how to resolve this while leaving me in the dark with no information so that I can take steps to protect my credit. 

After being on the phone for XXXX-hour and XXXX-minutes, " XXXX '' said she would do nothing more for me and hung up the phone. I have contemporaneous written notes taken to back up all of the details above. 

Today, on XXXX XXXX, XXXX at about XXXX, I tried to log in again to make a payment and received an error message ( screenshot attached ). To this date, I have not received ONE MESSAGE from Capital One regarding the issues with my credit card.

Company response to consumer: Closed with explanation