milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I 've contacted XXXX and the 3 major credit reporting agencies several times in an attempt to have incorrect information updated. XXXX has added and removed balances only to add them again. Proper notice was n't given when this was done. They were unable to provide me with the necessary documentation proving that I was actually late making a payment when I asked within the legal timeframe. They 're also reporting inaccurate information about my payment history to both of my XXXX accounts. This is adversely affecting my credit score! I am in the middle of financing and their frequent updates are detrimental to this process. For one, they did not have the correct contact information and I was not able to be notified about extending my forbearance. An extension was granted, but they still reported late payments during a period when no payment was due XXXX XXXXXXXX XXXX and XXXX XXXX ). I respectively ask that the late from XXXX XXXX to XXXX XXXX be removed and set to current. As soon as I contacted XXXX they notified me that my loans were in forbearance. Also, I want all loans older than 7 years off my credit report, as that is more than the SOL for my state. I need this done ASAP, as XXXX is doing illegal collecting practices.

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 01/28/2018 about Debt collection (Medical debt) with Peterson Enterprises Inc. (WA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I received, actually it was given to my son at the door, a summons from XXXX XXXX, XXXX DBA XXXX XXXX informing me that I owed a Medical bill from 2014. This medical bill was sold to them by XXXX XXXX for medical services. 

I live in Washington State, it is a non collection state and I never once was notified that this bill nor advised it was being sold to XXXX XXXX by XXXX XXXX. I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. 

When I contacted XXXX XXXX after the summons, they said they have tried over the years to reach me via phone and sent a letter 6 month ago. I have no voicemails from them, and I wouldn't even think of looking at the mail as I don't do business with them nor have a contract with them. XXXX XXXX is saying I owe the bill from XXXX XXXX, plus interest, filling/ex parte plus process fee 's.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2017 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This debt per my insurance company was not submitted. I have asked the doctors office multiple times to submit it to the correct insurance company for payment. They refuse to work with me. They refused to allow me to text them a copy of the insurance card. They do not have secured email to send the insurance card to. XXXX XXXX is the contact at XXXX XXXX XXXX and has refused to handle this situation in a professional manner. 

She has threaten to turn me to collections knowing very well that I have XXXX XXXX XXXX that will pay this in full and I would only owe a {$25.00} co-pay and yet she refuses to allow for a secure way for me to provide the information to her to resolve it. 

I work onsite with clients in various time zones and ca n't do " old school phone calls '' - they wo n't provide a portal and/or a texting ability to ensure I can securely send the information at a time outside of my normal working hours. 

They are on the verge of fraud for turning this to collections without processing to the insurance company that I have requested. My husband had me on his policy until end of XXXX 2016 and my insurance started on XXXX XXXX, 2016 so they were to either claim to his first mine secondary and/or determine what was going to pay out the best - mine policy was better and would only be a {$25.00} copay. 

My feeling is that they are having to write off more with my insurance policy thus trying to use only my husbands policy so they can ask for more out of pocket from me - this is on the verge of fraud and not in the best interest of the customer.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2015 about Debt collection (I do not know) with The CBE Group, Inc. (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have received XXXX calls from what I believe is a collection agency. They say they are looking for my niece. They claim my phone number is what she used for her primary contact number. When I call them on it and say they are lying they become rude and accuse me of lying. When I ask how they got the number they refuse to say. I have NO relation with my niece and there is no way she would have used my number. I have a small business and my number is my business number.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: On XX/XX/2018 I was on the website XXXX attempting to access my yearly free reports. I was able to obtain the XXXX  Report with no problem. When accessing the Experian/XXXX systems, the screen froze. I was only able to hit the back button, it was indicated I received both reports. I had not. I tried to log onto the system again. The system said I had already received the reports and I couldnt go any further. This glitch happened last year to me as well. I wish they would get this fixed.

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 08-05-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Radius Global Solutions LLC (WI).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I called to contest the validity of the debt. The collection agent, XXXX XXXX, Operator ID XXXX, indicated that she would not indicate that I was contesting the validity of a debt unless I " proved that I did not owe it '' and that " the company will document that you owe the debt and it will just go back to collections. '' I felt this was misleading, coercive and abusive and in violation of my right to contest an invalid claim of debt against me. I am being charged by XXXX for a month of service when they never connected me, and I cancelled. This operator, instead of marking my account as dispute, attempted to strong arm me into paying even though I had just explained that I would not pay for services I never received. She talked over me, interrupted me, and misrepresented my statements rather than file the dispute as she is supposed to. I spoke then with her supervisor, XXXX XXXX XXXX, who also misrepresented the sequence of events and indicated that I had simply flatly refused to pay rather than validly disputing the debt. He later relented, but only after he raised his voice, talked over me, interrupted me repeatedly, and took a very condescending, offensive and abusive tone.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On XXXX/XXXX/2017, Equifax announced that a hacker obtained information about 143 million consumers. This data included Social Security numbers, birth dates, addresses and, in some cases, driver license numbers.
Users can check if their information has been compromised by going to equifaxsecurity2017.com. It was determined my information may have been compromised as part of the attack.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2017 about Debt collection (Medical debt) with CMRE Financial Services, Inc. (NE).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint: The debt collection agency, CMRE Financial Control is attempting to collect on a medical debt in the amount of {$330.00}. This agency is not Licensed to collect in the state of Nebraska per the Secretary of State and has made several attempts to contact me after i have asked them to please stop. This company is also in violation of my HIPPA rights ; as I did not authorize them to obtain any of my medical records. I have tried to rectify this with the company directly, but have been unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2015 about Debt collection (Medical) with Nationwide Credit Corporation (NC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Calls me at least XXXX times a day even though I am making monthly payments .And have never gotten written notices or bills.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MS).
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: Experian has been reporting a Bankruptcy on my Social Security number for over 7 years. 
I have sent several letters asking to verify with a signature and asking for the procedure and the only answer I get is they claim it was validated. When I ask who validated it, they claim the court did. 

I have a letter from Bankruptcy Court in XXXX, MS where she said that they do not work with the Credit Bureaus and have not validated anything. They do not provide information to the Credit Bureaus nor any third parties. 

This is a violation of the Fair Credit Reporting Act. They are using an unnamed 3rd party who must have a glitch because it does not show up in XXXX XXXX or XXXX. I will provide proof from the Experian credit report I bought. 

I will provide the 3 letters I sent along with the letter from the Bankruptcy Court and a credit freeze from XXXX who froze my account to keep there from being any further misreporting.

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 04/14/2016 about Credit card () with JPMORGAN CHASE & CO. (NJ).
Issue: APR or interest rate

Complaint: After being XXXX from XXXX XXXX status as a XXXX XXXX XXXX my credit card company, Chase Bank Card Services decrease my credit limits and increase my APR rate with out notification. After contacting Chase JP Morgan bank, they claimed they received late payments. I advise them, I never paid my account late, and I was recently released from XXXX XXXX and was not given proper notice of any change in the card agreement or notice of changes in payments or new interest rate. My understanding SCRA trigger certain requirements under the Truth in Lending Act and Reg Z. Generally, a credit card company may only increase the interest rate and any fees or charges to the same amount that applied before the start of XXXX XXXX ; a 45-day advance notice of change in terms must be provided after a member is no longer on XXXX XXXX before the credit card company can increase the annual percentage rate to the contract rate, or increase any fees or other charges that were reduced or eliminated. This adverse action caused an adverse affect on my FICO score and made it difficulty for me in seeking future gainful employment, and has caused challenging experience refinancing my home mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
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: An inquiry took place on my experian credit report on XXXX XXXX, 2017. I was never contacted with the results of this dispute in writing, email or via phone. I had to put a security freeze on my credit report due to the unauthorized inquiries that took place.

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 01-11-2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Loan modification,collection,foreclosure

Complaint: Bought house in 2009. Needed to refinance a few years later, due to extreme decrease in income. Wells Fargo ( initially Wachovia ) stated not to pay mortgage for a few months as to prove I could not make current payments, and they would be more likely to be able to refi thru XXXX program. Started making 'trial ' payments while getting paperwork finalized. During process, paperwork procedures changed, and no payments were recorded, to which I switched gears and went thru XXXX to save my home. Wells Fargo HAD to approve program for me to be in it, which included WF receiving funds to bring mortgage current. Wells Fargo was receiving monthly payments from XXXX, and FORECLOSED ON MY HOME WHILE THEY WERE RECEIVING MONTHLY PAYMENTS FROM XXXX, unbeknownst to me. Immediately when payments were done, I contacted WF to finish remodification, to which I was told I would be able to save my home. I worked with the SAME preservation specialist for the next several months XXXX in getting all needed paperwork and signatures to them. The last conversation I had with specialist, was to call the next day after all paperwork was sent in ( for the 3rd time ) and they would be able to give my my new mortgage payment. When I called, as instructed the next day, the SAME specialist told me that WF foreclosed my home 8 months prior. When asked why this information was just being told to me, it was stated that she did n't know this whole time. I called XXXX more time after this to discuss, and was told EVERY time I called, that I would be able to remodify. I then told whichever specialists I spoke to that I was told that WF foreclosed my home, to which they would put me on hold for 20 minutes, then come back and say 'oh yes, sorry. nothing we can do. ' In addition, thruout this entire process, WF has been sending any correspondence to a lawyer, who 's services are no longer retained nor have they been for this whole process, to which WF has been notified several times. In addition, have not been able to make any updates on this home that I have worked so hard to get and to keep. I have done everything WF has instructed me to do, every step of the way, and lost money, a good credit history, faith and countless hours in this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2017 about Debt collection (I do not know) with Credit Corp Solutions Inc. (MN).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: Hello- I keep getting calls on my landline phone which is  XXXX . They ask for a  XXXX   XXXX  or something. Our last name is  XXXX , the only reason I thought the caller might want us is because there was a "  XXXX  '' in the last name they were trying to reach. I asked who they were. They said it was a private matter and could only talk to him. I told them I had power of attorney and they could talk to me and asked them to identify themselves several times. She would would not, but she sounded legit ( not a weird accent nor any threats or poor  XXXX  ). Then the caller said she could tell me what the call was about if I told her my husband 's birth date. I told her I would not provide personal info over the phone. I kept asking the caller to identify themselves and she refused by saying it was a private matter. The call came from  XXXX , When I tried to block the call ( using  XXXX  ) I received a message that, that phone number was invalid. I called the number  XXXX  and the message "  Credit Corp Solutions ''. I called again and some one named "  XXXX  '' answered. We pay our bills on time and have good credit scores, perhaps there is a bill we missed however we have never received anything in the mail and the caller had our last name so wrong, almost unrecognizable. Honestly, there was no way I was going to give out my husbands birth date to someone who was not identifying themselves ( actually even then I would not give out that info over the phone to someone I do not know ). My husband is in  XXXX   (   XXXX    XXXX   w/ over 20 years  )  until  XXXX  That is why I have power of attorney. In the mean time, I have contacted him about this matter. What I want to know is, what is the deal with  " Credit Corp Solutions '' ( if it  is them ) how come they ask for private, sensitive info over the phone, why wo n't they tell me who they are when calling MY phone number, and why do they use a number I can not block?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2017 about Student loan (Federal student loan servicing) with NELNET, INC. (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: NELNET marked me 90 days late on XXXX different loans when this was an error on their end. I even spoke to them and they put my account current. I need the 90 days late removed from the following accounts as this is hurting my credit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2016 about Mortgage (Conventional fixed mortgage) with PHH Mortgage Services Corporation (PA).
Issue: Loan modification,collection,foreclosure

Complaint: I would like to have case # XXXX reopened and addressed. The authorization was once again faxed ( I have a copy of both the authorization as well as the fax confirmation ) to PHH mortgage on XXXX/XXXX/16 at XXXX. I called again today and once again they have no receipt of the authorization. The number that I called was the number I was instructed to call from a voicemail that I received this afternoon. When I called, I was told that they once again could not help me because of no authorization and that they could not provide me with any information as the loan is in foreclosure and it is with the attorney. The attorney that they are referring to is XXXX XXXX XXXX XXXX XXXX, XXXX. I had previously received a letter from them dated XXXX XXXX, 2016 ( addressed to XXXX XXXX, the " unauthorized 3rd party '' ) mentioning foreclosure in a sentence. The letter also states that a dispute should be submitted in writing within 30 days ( I sent a letter via certified mail XXXX/XXXX/16 to dispute ) and a response will be sent back to me via mail. It is now XXXX/XXXX/16 and the only correspondence I have received is a voicemail from XXXX/XXXX/16 from XXXX at ext. XXXX stating that they had received my letter and I was to call them back. I returned the call that afternoon and left a message for XXXX. I have yet to receive a return call or paper correspondence via mail. 

Also on the XX/XX/XXXX mortgage statement it says that " The first notice or filing required by applicable law for the foreclosure process has not been made. '' My original complaint ... Case # XXXX. None of the issues in that complaint have been addressed nor has the dispute I submitted in response to PHH 's response to my original claim been addressed. 

I have since my original complaint filed for a refinance of the mortgage solely in my name. I have been denied on the basis of Garnishment, Attachment, Foreclosure, Reposession, Collection, Action or Judgement and Unacceptable Payment record on Previous Mortgage, however the mortgage with PHH is not on my credit report. The bank that I had applied for the the refinance through said that they had contacted PHH mortgage. They were given information regarding the loan. So how could that bank receive information but I can not? Since I am still according to PHH " an authorized 3rd party, '' how could they have been authorized to disclose anything based on my application which was solely in my name? 

I am not being helped by PHH mortgage and now they have stood in the way of me obtaining a loan in my name with another bank ( which was approved and I paid for the appraisal ) so that I can keep my house.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2017 about Debt collection (Medical) with Collection Management Company (WV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was turned into collections by Credit Management CO acct # XXXX for a medical bill at XXXX Hospital. I have never visited XXXX Hospital before. The account is not in my name or birthday but it is my SSN. I can supply them with my Social Security Card to verify it is not me but I ca n't get this taken off of my credit report. My credit score has dropped XXXX points because of this fraudulent bill.

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 08-04-2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I received what was sent by equifax which had things written stated back to XXXX/XXXX/XXXX FAD XXXX/XXXX/XXXX serious delinquency and Derogatory public record or collections filed time since to recent or unknown number of accounts with delinquency proportion of loan balances to loan amounts is too high. 
in review it is clear that my loans are not in delinquent status and that I have paid off or things have fallen off in time. Why am I been judged for 30 years ago when your credit report suppose to show 7 years and Equifax is making this statement with dating back to XXXX. 
It is very clear that this is ' Defamation of character ' This has a detrimental impact on my welfare and existence in society. This is impacting upon my civil and constitutional rights as a consumer and straw number holder. I conveyed my feeling in a professional manner and there has been little change to my score to show otherwise of the defamation of my character as a United States citizen. I await the opportunity to share the document obtained in my effort to purchase a used car with XXXX XXXX in XXXX Georgia.. This must be resolved. In attached you can review the document.

Company response to consumer: Closed with explanation