milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/21/2016 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (PA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I checked my credit report I seen that a collection was brought forth to me from central Fincl control back in 2013.

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 05-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have reached out to all the companies on my credit bureau that is showing an inquiry that has been made and they have stated its a matter of record. I explained to them that I have been a victim of identity theft and that I have not requested credit from there company. I was told that they would not really affect me to there is nothing they can do to help me. I have contacted the credit bureaus and they have told me that they can not help me although I have a fraud alert and have explained to them that someone has try to obtain credit in my name. I have cell phone bills on my report that I am fighting to get off now. I am very upset about these inquiries and that the creditor nor the credit bureau is willing to help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-03-2017 about Debt collection (Medical) with Medical Data Systems, Inc. (AL).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: Called 4 times to resolve the issue ... I 'm not denying that the info is mine. This is a case where I was in car accident in which I was not at fault. I have XXXX insurances and car insurance. While trying to contact the car insurance, I decided to strike up a payment plan that I could afford so that the claim would not end up on my credit report. The CSR from this place is incredibly intimidating and they refused to take the monies that I can afford right now. I got hung up on the 3rd call! They kept saying that I 'm refusing to pay but I 'm not! I 'm just paying what I can afford!! They asked me for the amounts of my personal bills and basically told me I can afford more than what I 'm offering. I was even advised to take out a loan because the loan people probably would work better than me than what they will do. I have every conversation recorded ( except the first ). I 'm upset because it 's not like I do n't want to resolve this but, apparently what I can do is n't good enough and therefore I was threatened that they will put this on my credit report. I spoke with the original creditors and they tried to help as much as they could but it 's out of their hands. ( ( We got to this point because the original creditors failed to put down my XXXX health insurances and they only filed XXXX which left with a balance ... I never received a bill but now I 'm stuck dealing with these rude collection people. )

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 03-06-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with CICA Collection Agency, Inc. (PR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: The complaint is against one of the Telephone/Internet companies in PR ( XXXX ). 
The service was cancelled on the XX/XX/XXXX due to bad service ( various reports of interruption in the service, delays in follow up and time the repair job was coordinated and completed and the charge for a service was not given ). 
Even though all those issues, I had to wait until the end of the contract to cancel the service. Due to the fact that I signed for a service that I never received. That is, I extended the contract agreement to have an upgrade in the internet velocity to find out the service was not available to the area of residence. So, I had to wait on a contract to expire when the service was not provided. 
The service was cancelled on the above mentioned date and I remember asking the Account Representative to give me the ending balance as of that day. I asked her if she could do that and agreed upon the final payment. The payment was done and the Service Cancellation - Client Receipt was issued. 
To my surprise I received a letter stating that I had a debt for {$23.00} from the internal collection agency of XXXX ( CICA Collection Agency , Inc. ) dated XX/XX/XXXX. Called XXXX and was told that the debt came after a final audit. What audit do they need when you can see all the records online? Besides, that was something worked at the time of cancellation, not otherwise. 
Where do I raise the flag and think about this being a fraudulent tactic and something to bring to the attention of the authorities and for an audit not only of my account but other accounts? 
When in a conversation with other office workers at lunch they told me they had a similar issue once they cancelled the account and something like {$23.00} was the amount owed after a final audit. Since it was a small amount the paid it and forgot about it. 
Once again, I am convinced the charge is not a valid one, more so, is a fraudulent one requiring an investigation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2016 about Consumer Loan (Vehicle loan) with HYUNDAI CAPITAL AMERICA (NJ).
Issue: Managing the loan or lease

Complaint: Account number : XXXX I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2014, XXXX 2014 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-09-2015 about Debt collection (I do not know) with First Collections Inc (MN).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: I received a letter about an unpaid debt ( which is not real - I have no unpaid debts ). The letter threatened wage garnishment unless I paid them, or I could give them all my dependents ' names and Social Security numbers to have the amount reduced. This is an incredibly obvious scam, but I can see people still falling for it.

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

Complaint: Equifax offers a tool, in response to the breach that recently happened, that tells you based on your last name and 6 last digits of your SSN if you were affected or not ; I was told I was indeed affected by the breach. As such, Equifax has divulged my information without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (DC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have several credit inquiries from multiple companies on XXXX XXXX, 2017. I contacted the credit bureaus to dispute them and was told I would need file a police report and to contact the companies, which I did ( all they could tell me that my information was in their system ). I asked why I would need to file a police report for an intangible issue and that no credit was issied, Just an unauthorized inquiry. The information is still on my report and i cant get any help from the bureaus or the companies. 

XXXX -XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX , XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2017 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (NY).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I XXXX XXXX believe that my name is being wrongfully circulated through a debt pool operation. The attempt to collect on a debt that was discharged almost a decade ago, is still being circulated among debt collection agencies. The MCM company attached shows a debt that not only is to old to collect on, but has already been removed from my credit report based on FCRA guidelines. Accordingly, I demand that my name be purged from this collection agency immediately, and that if any reference was reported to the XXXX credit reporting agencies, that a letter of removal be submitted immediately as well. DELETE MY NAME FROM ALL FUTURE COLLECTION ACTIVITY!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/23/2016 about Consumer Loan (Installment loan) with Opportunity Financial, LLC (UT).
Issue: Problems when you are unable to pay

Complaint: I had first taken out my loan with Opportunity Finance ( or XXXX ) in XXXX XXXX. I made all my payments, and received credit line increases. My income at the time my loan was approved was {$70000.00} annually. 

In XXXX of XXXX, I became unemployed for 3 weeks. I was able to get temporary work ( temp job ) through a staffing agency. My income was then $ XXXX/hr. 

I notified Opportunity Finance that I was unemployed, and they 'suspended ' my account for 1 month while I tried to get employment. 

After the 1 month, and my account was active again ; I told them my new salary, that I could n't afford the normal payments. They accepted what I could afford at the time, which was {$25.00}. 

They continued to work with me, allowing me to make bi weekly payments of {$25.00} while I was working the temp jobs. They did this for approximately 5 months. 

In XXXX of XXXX, they told me I could no longer make {$25.00} payments, that I had to pay more. They gave me no reason for this. They said the minimum payment that I could do was bi weekly payments of {$79.00}. I told them I could not afford that, they told me to bad, but they would accept bi weekly payments of {$61.00}. I still could not afford these, but I tried. 

In XXXX of XXXX I became unemployed again. When I notified them, they 'suspended ' my account for one month again. I was able to get another temp job at the end of XXXX XXXX. 

In XXXX of XXXX, my account became active again. I called to set up payments I could afford, which was bi-weekly of {$25.00}. They told me they could n't accept that, the minimum was {$61.00} bi-weekly. I told them I could n't afford it, they said there was nothing they could do. So I did make a couple payments in XXXX and XXXX, but I could n't make anymore. 

At this time I asked them if my loan matured, and they said yes ( no longer accruing interest ). I asked them the balance, and they told me just over {$2400.00}. I asked that all payments being made are reducing the principal balance, and they said yes. They said as long as I made payments, no interest would accrue. This did n't make sense to me, because I was under the impression it had matured. 

Anyway, I could n't make any payments at the end of XXXX, beginning of XXXX. In XXXX, I received a threatening email saying it was the last time they would try contacting me ( they never contacted me before this ), and that if I did n't make a payment, they would take me to court. 

I could n't afford it, but I ca n't afford being sued either. So I set up a {$61.00} payment for today, XXXX XXXX XXXX. I told them that my current temp job is ending today as well, can they 'suspend ' my account for one month while I look for employment. They said no. The collection manager 's name is XXXX, he said he could n't help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (ME).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I was reading a NY XXXX article about things that Navient was doing illegally, like misleading customers about their options. I was also a victim of that.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (LA).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I was going through financial hardships at the time Navient had the account now that the debt collector have the accounts they are frequently calling asking for a settlement payoff or big down payment then monthly payment which I do n't have.

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2017 about Credit reporting () with FIRST ADVANTAGE CORPORATION (FL).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I just had a back grown check on me for a job and in getting a copy of the report, I see that it has a listing showing me living in XXXX. I have never even been to XXXX. I would like this taken off my Consumer Report.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (CA).
Issue: Money was not available when promised

Complaint: Bought virtual currency before a trade and cost me hundreds when support would not respond and transfer abnormally slow for their end.

Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Diversified Consultants, Inc. (WI).
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: XXXX  had reposted a paid debt that had been handled by Diversified Consultants located at DIVERSIFIED CONSULTNTS   XXXX   XXXX   XXXX   XXXX   XXXX  , FL  XXXX  (  XXXX  )  XXXX  Overview You 've paid off 61 % of your collection amount.   Balance {$180.00} Highest Balance {$480.00} Opened  XX/XX/XXXX   ( 6  mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name  11    XXXX   XXXX   This has been paid in full and I called the debit collector about this statement more than once, and they assured me they submitted to  XXXX  as with   XXXX   and  XXXX  that the debit is paid, the only one NOT following federal regulations is  XXXX . I called  XXXX   XX/XX/XXXX  and spoke to a Supervisor who expected me to call the debit agency giving them permission to confirm i allowed  XXXX  to interact with them in inquiry to this dispute??? Really? How Evasive can you get??? Ive also turned  XXXX  into the FTC for fraudulent information, sabotage attempts, Damaging my credit and doing the same exact childish behavior  XXXX  did to me when I had the issue with  XXXX   XXXX .   These people are over seas incompetent twits and should not be allowed to handle consumers personal information as they are  apt to  destroy and ruin people intentionally.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-12-2018 about Mortgage (Conventional home mortgage) with Specialized Loan Servicing LLC (IL).
Issue: Trouble during payment process

Complaint: My loan was transferred by XXXX XXXX to XXXX on XX/XX/XXXX. I had a bi-weekly partial payment plan set up with XXXX XXXX to ensure a balanced budget, payments received before due date, and allowed for a few extra principal payments a couple times a year towards the principal. Our monthly mortgage payment is {$460.00}, I set up Electronic Transfers directly from my bank to XXXX for {$230.00} on a bi-weekly basis. Those payments have gone into a unapplied funds account until they receive the total, which they then reverse and apply to the monthly mortgage. They told me they will not continue and that they will reject the payment from my bank. A supervisor told me that I needed to send a full payment once a month, that I should transfer money to a different account and then send them the monthly payment when it is due. He continued to tell me that I am not making the monthly mortgage payment because they only receive partial payments. I had this set up because I am currently going through XXXX XXXX and treatments. I do not have to physically make sure the bill is paid. I have been doing this with XXXX XXXX for the last year-and-a half. For example : my bank withdrew {$230.00} on XX/XX/XXXX and will withdraw {$230.00} on XX/XX/XXXX, both of these amounts are towards the mortgage payment of {$460.00} due on XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2015 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Filed Bankruptcy on XX/XX/XXXX decided to close due to large amount being deducted from payroll bi-weekly. Signed to close/dismiss case. I created a plan to pay every creditor and successfully paid every debt in full. I understood the Bankruptcy would be listed for at least 7 years. I request all three reports yearly to view and XXXX does a great job listing how long the debt is expected to remain, XXXX and XXXX XXXX have removed account listing bankruptcy according to 7 year rule. I have been fighting with Equifax and the XXXX Bankruptcy office on removing the file, when I contact the court their response is " We do n't have anything to do with reporting the bankruptcy cases on your file '' contact Equifax and dispute and we will request removal. Now I dispute with Equifax on removing the remaining file item listed showing " Bankruptcy '' and they respond with information has been verified with the court? I have included what is showing on my report for Equifax, no information listed, yet showing a bankruptcy file? Just asking all components be removed. I am uploading the old XXXX sheet showing when the account should have been removed XX/XX/XXXX, I was recently denied opening a XXXX XXXX for a XXXX XXXX Credit Card stating denied for " Bankruptcy '' reported by Equifax. This file is at 10 years old and going on 11years in 6 months. Please help me I have been doing this for almost three years bouncing back and forth. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-05-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Hunter Warfield debt collection company has reported I owe a debt of over {$1000.00} which they purchased from a lease company called XXXX XXXX out of XXXX, Ohio. XXXX XXXX fabricated these charges in retaliation for me reporting and complaining about illegal activity on the apartment complex property which endangered myself and my children. When we broke our lease because of unsafe conditions and repeatedly being victimized by theft by other residents and their guests the leasing company withheld my security deposit and fabricated charges for non-existent " damages '' in order to recoup the rent that would have been owned had we fullfilled the remainder of our lease. I informed Hunter Warfield of this on every occasion that I spoke with them. They insisted they had verified the debt was " valid '' by taking XXXX XXXX 's word for it. I told them I had XXXX photos of the apartment on the day we moved out showing there were no damages but they refused to let me send them to them. After repeated contacts to my cell phone I informed them I did not want them contacting my cell phone anymore and requested they only contact me in writing. Collectors were rude and hung up on me when I made these statements, only to continue calling back to my cell phone multiple times. Their collection practices were aggressive, threatening, intimidating and illegal when they refused to stop calling my cell and refused to contact me only in writing. They also did not do a proper job of validating this debt as there were no damages to the apartment at all. I have now been denied a mortgage loan to purchase a home due to this specific item appearing on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2015 about Payday loan () with FastBucks (CA).
Issue: Applied for loan/did not receive money

Complaint: i applied for a loan in 2011 and due to my credit i was denied a loan. i am now receiving phone calls from a mediation services scompany telling me that i had money deposited to my bank account which was not open during the time they claimed they deposited money and asking me to pay them XXXX dollars for the charge to be filled. I requested the company 's address and information and they hung up on me various time.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Alliance Data Card Services (TX).
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: Company will not contact not even frau d investigator I h ave contacted them multiple times please have them call me  XXXX  the account is mine but the whole balance is not and I have already done everything that they have asked me to do by filling out an affidavit form

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: National Credit Systems , Inc. XXXX XXXX XXXX, XXXX, GA XXXX, XXXX or XXXX ) called multiple times with caller ID deceptively displaying " XXXX XXXX ''. Also, falsely reported to XXXX that myself and my daughter have an unpaid debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation