milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-03-2018 about Debt collection (Medical debt) with ECMC Group, Inc. (TN).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: XXXX XXXX XXXX XXXX XXXX has an account on my credit report for {$160.00}, however, they have never sent me anything in writing to validate this debt or inform me of placing on my credit. Furthermore, they are not in compliance with the State of Tennessee collection agency regulations. They have to be licensed and bonded to collect debt in this state. They are not listed on state documents to collect. They have NO licenses and are not bonded as required! They are not only violating my FCRA rights but also in violation of the state regulations.

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 11-03-2016 about Credit reporting () with EQUIFAX, INC. (NV).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I HAVE BEEN DISPUTING WITH EQUIFAX OVER A UNAUTHORIZED/FRAUDULENT CREDIT INQUIRY FROM XXXX SINCE EARLY 2016 AND EVERYTIME THE SAME STORY, THE RESULTS ARE { FACTUAL } RECORD ON FILE. I 'VE LOST TRACK ON HOW MANY TIMES I 'VE DISPUTED THIS CREDITOR WITH THEM BY PHONE/FAX AND EMAIL AND NOTHING HAS BEEN DONE. XX/XX/2016 I SENT XXXX A LETTER MY SELF TO DISPUTE THE INQUIRY AND THE XXXX MAILED ME A LETTER CONFIRMING THAT THEIR INQUIRY WOULD BE REMOVED OFF MY CREDIT REPORT FROM EQUIFAX. I 'VE SENT IN THE LETTER FROM XXXX AND MY LETTER WITH THE PROPER DOCUMENTS AND THATS WHEN I RECEIVED THE NEWEST CREDIT REPORT BACK FROM EQUIFAX SAYING THAT THE INQUIRY IS FACTUAL!!!!! RECORD ON FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I HAVE TRIED SEVERAL TIMES AND SENT IN COMPLAINTS AND FAX IN REGARDS TO ID THEFT THAT OCCURED ON MY ACCOUNT. I LOST MY PURSE. IT WAS REPORTED TO XXXX COUNTY SHERIFF AND XXXX XXXX POLICE DEPT. THEY BASICALLY TOLD ME THERE WAS NOTHING THEY COULD DO. I WENT IN TO GET CAR FINANCING TO FIND MANY ERRENOUS ACCOUNTS ON MY CREDIT REPORT DUE TO IDENTITY THEFT THAT I HAD NO IDEA EVEN EXISTED. PLEASE CONTACT THE 3 BUREAUS ABOUT THIS MATTER SO I CAN RESOLVE OUTSIDE OF CIVIL COURT. I HAVE ASKED FOR MY REPORT TO BE CLEARED OF THESE COLLECTIONS AND FOR THESE ACCOUNTS TO BE UPDATED MY IDENTITY WAS STOLEN BACK IN 2005 AND I'VE BEEN BATTLING THIS FOR YEARS. WHY AM I BATTLING WITH THE CREDIT BUREAUS WHEN THEY ARE HERE TO PROTECT THE CONSUMER. I ASKED FOR A FRAUD ALERT TO BE PLACED ON MY ACCOUNT. AND THE FOLLOWING ACCOUNTS REMOVED. 

THESE FORMS HAVE BEEN SENT VIA FAX AND THEY SAY WE NEVER RECEIVED THEM. HOPEFULL THEY'RE RECEIVED FINALLY!! 

XXXX XXXX XXXX XXXX XXXX XXXX ACC NUMBER XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  AT THIS TIME I HAD INSURANCE THIS WASNT ME AND IT NEVER WENT THROUGH MY INSURANCE XXXX XXXX  XXXX XXXX Account Number : XXXX CREDIT INQUIRIES XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX , XXXX XXXX XXXX , XXXX , XXXX, XXXX 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 non-monetary relief
Consumer complaint received 04-04-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OK).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: My Ex-husband & I consolidated school loans prior to divorce in 2004. Since that time, I have tried numerous ways to take care of this account. Due to the fact, I was court ordered to be responsible for repayment of entire amount exceeding 25XXXX. They will rarely speak with me and I can not submit any documents with out my ex-husband of 14yrs signature. This is just NOT POSSIBLE. He is bitter and will not cooperate. He knows it goes on mine and his credit, but refuses to help me with this matter. I also qualify for student loan forgiveness, but since I am not the primary borrower I can not get this assistance. Therefore, I then try for re-payment plan. Well they want me to get my ex-husbands income ( which he is remarried ) to come up with a reasonable payment plan. Which I can not pay an amount based on mine, his, and his New Wife 's tax return. I do not want this effecting my credit, but I can not make the payment they are requesting from me.

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with EOS Holdings, Inc. (KS).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have XXXX collections accounts in my credit report, XXXX for the same collection agency, and both to the same original creditor ( for nearly the same amount ). I have requested confirmation of ( and information for XXXX both of these accounts by certified mail, and I 've received NO response from the agency.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2017 about Debt collection (Medical) with RMA Credit Association (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I was told by their secretary at the time that my insurance was included in their group and my XXXX would be {$40.00} which I payed at the clinic

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2016 about Payday loan () with COMMUNITY CHOICE FINANCIAL, INC. (OH).
Issue: Can't contact lender

Complaint: Hello, i would like information on trying to pay a old payday loan back with realistic amounts. My amount owed was {$580.00}, i paid {$100.00} on XXXX XXXX. The remaning XXXX was schulded to be paid back XXXX of XXXX XXXX. I did n't have the money at the time so i call back on the XXXX of XXXX with hopes to make a new arrangement. XXXX refused to accept a different payment. I have until the end of the month to make a payment but now i cnt contact the loan office. My calls are not being answered and i an up for a XXXX garnishment when i can pay XXXX in little payments.

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I have sent Experian numerous certified letters of inaccuracy information they are reporting. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I have been asking in the letters for Method of Verification, have sent Frivolous Letter Rejection, Validation of Accounts and all they send back is accounts have been certified as accurate by the companies. The bankruptcy court does not verify information due to it is illegal for them to verify any information with Credit Reporting Agencies. 

I have also stated to XXXX in letters, This is NOT a request for " verification '' Via e-oscar, PACER, third parties, or proof of my mailing address, but a request for VALIDATIOn made pursuant to the ABove-named Title and Section of the Fair Debt Collection Practices Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/22/2015 about Credit card () with CITIBANK, N.A. (AZ).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Bloomingdales did not appropriately safeguard my credit account information. Someone accessed my account that had not been used in years and began ordering multiple high-dollar items on consecutive days. The first package arrived to our previous residence and we were notified by the tenants we had receive a package. I immediately notified Bloomingdales on XXXX XXXX that a fraud/security breach had happened and that I did not order this item. They kept me on the phone for over XXXX hours while they tried to figure out what was going on. I was eventually told that the perpetrator was able to order over {$2300.00} worth of items and change the shipping address with NO fraud detection!!!!!! I ca n't even place a single online order without them holding it for verification, but this person was able to ship multiple $ XXXX items to a new billing address???? 
I was told by the representative that they would send out a fraud form and cancel XXXX my store account ( which these charges occurred on and my XXXX ). On XXXX XXXX, the company proceeded to process a payment from my bank account despite my notification over a month before notifying them of the FRAUD!! I contacted them again, spend another hour + on the phone, requested to speak with a supervisor, spoke with XXXX different reps and was advise to fax in my bank statement showing the charge as well as my bill and the dispute information. I did that in late XXXX and I still have not been refunded for the amount they had no right to take from my checking account AFTER I reported the fraud. This company is neither protecting consumers from FRAUD, nor notifying their customers when a data breach has occurred and they owe me over {$2300.00} that they unrightfully took from my checking account after the fraud notification.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 10-03-2016 about Mortgage (FHA mortgage) with TOWNE MORTGAGE COMPANY (FL).
Issue: Loan servicing, payments, escrow account

Complaint: We got a construction loan from an out of state lender. It is over a year past construction completion date and the house is unfinished and exposed to elements. We continue to pay the mortgage in its entirety, even though the bank has only release a fraction of the approved funds. The bank and its CEO are all aware of the situation but continue to ignore the situation and have not done anything to protect the house or rectify the situation. We are not allowed to access the borrowed money. We continue to bare the financial burden of paying for a mortgage on a house which is unfinished and is in perpetual worsening condition and is rendered uninhabitable. The bank is the ultimate arbitrator within the mortgage agreement yet has acted irresponsibly and negligently within respect to the house and its condition to the elements and in respect to not mending the mortgage payment monthly to reflect what amount of money has been released to offer some kind of financial relief.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 10/23/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Deposits and withdrawals

Complaint: On XXXX XXXX, 2015 we did $ XXXX in sales with our XXXX XXXX. I have a business account with Bank of America and also use there merchant services that I pay monthly for. The funds were never deposited because they stated customers may have been using fraudulent information and they needed to hold the money in case of chargebacks. They also requested that we send over invoice showing what these customers purchased. We provided them with invoices showing that customers have purchased advertising packages from us. They then stated that it was n't good enough and still need to hold funds in case of chargebacks. We have gotten chargebacks that have not been covered as promised. This also caused additional income in my account to be taken and put me in negative which they are charging overdraft fees as well. We have attempted to get in contact with our Security representative through XXXX Merchant services at Bank Of America assigned named XXXX ( XXXX ) XXXX ( XXXXXXXXXXXX ). When you call her it goes to her voicemail and sometimes she picks up and hangs up. Any time I call Bank of America they transfer me to the security department but then I 'm directed to her desk again and again. I 've left numerous voicemails with no response and now they are causing my business to suffer and not be able to operate on daily basis. Relationship with their merchant services was canceled and Bank of America is still not holding their end of the agreement to cover chargebacks based on funds on hold.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/29/2016 about Debt collection (I do not know) with Admin Recovery, LLC (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Admin Recovery LLC repeated phone calls to me trying to get a message to my sister who owes debt. They called me on 3 separate occasions. The last time they called me was from phone number XXXX and only 10 minutes after they called me from their other phone number. 

They kept calling even after I told them the first time that I do n't keep in contact with the debtor. I would have told them to stop calling me and that I do n't keep in contact with the debtor the second time ( less than a month after their fist call ), but they hung up on me mid sentence. 10 minutes later they called me for the 3rd time. So I decided to file a complaint. 

They are calling family members multiple times over a debt of a relative.

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2015 about Debt collection (Medical) with Collections Acquisition Company, Inc. (MO).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: We received a letter from debt collector, Payliance dated XXXX XXXX, 2015 stating that we owed {$150.00} plus a {$35.00} service fee for our XXXX payment to our son 's orthodontist XXXX XXXX. However, This payment was PAID XXXX XXXX, 2015 Payliance had deducted the amount of {$150.00} PLUS a {$25.00} fee from our checking account. I sent them documents on XXXX XXXX, 2015 disputing the outstanding debt and documbents showing where they automatically took the money out of our checking plus their fee. 

Since then, our orthodontist has verified the account was current. But, Payliance is continuing calling us claiming we owe them the money. they called : XXXX XXXX at XXXX., XXXX XXXX at XXXX., XXXX., XXXX., XXXX XXXX at XXXX., XXXX XXXX at XXXX., XXXX XXXX at XXXX a.m. and XXXX XXXX at XXXX. 

They are calling to collect on a debt that is not valid as of XXXX XXXX when they automatically took the money out of our checking account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with USI Solutions Inc. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have been receiving calls for a few years now about a " loan '' that I took out. No one will provide me in the mail with any information, other than this case is now in " legal ''. Incredibly aggressive tactics, AND the story, most notably the date of when this loan was taken out has changed numerous times, depending on what company calls. Most dates seem to be in the XXXX to XXXX range, however, I am given an address that I have n't lived at since XXXX and an employer name I have n't worked at since XXXX and a XXXX ( I have never banked at XXXX ) This new company seems to have my current address and made an insinuation that I am " hiding '' something when I refused to provide the last XXXX of my SSN or Verify my address. I do n't know this company and I do not owe ANYONE any money, so I am a little bit nervous about sharing personal information over the phone to someone aggressive, ESPECIALLY when internet searches of this company reveal some pretty bad information, including their previous name of XXXX, who was seemingly sued multiple times for poor debt collection practices. They have also called my wife on her cell phone. I just want this to stop, I am not paying anyone, anything. I get up, go to work everyday, have good credit, and am a good person, I just wish these people would actually go and make an honest days living, instead of this. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2017 about Mortgage (Conventional home mortgage) with TIAA, FSB (FL).
Issue: Closing on a mortgage

Complaint: On XXXX XXXX we closed on a brand new home in Florida with Everbank. At the time of closing we were charged for a full year of improved property XXXX {$5100.00} est ) when in reality the Trim notice from the county showed taxes of {$550.00}. The closing statement reflect a credit for taxes of {$220.00} from the builder seller for the first 8 months. 

I have grossly overpaid for the escrow and have been told by the bank this is a XXXX XXXX rule and they could not and will not correct

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Other

Complaint: I have been paying down my Bank of America credit card for over one year and have not used it. The interest charge amount keeps going up instead of down even though my balance total amount goes down.The interest rate has been 19.99 % for quite a long time and has not changed. I am trying to pay it off and it seems that there is an error in their calculations. I have spoken with numerous representatives and they keep giving me the run around. 
Please help me resolve this matter, as it seems impossible to deal with this company.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-05-2015 about Mortgage (Conventional fixed mortgage) with FIRSTBANK PUERTO RICO (FL).
Issue: Loan modification,collection,foreclosure

Complaint: Our family has been struggling for the last 2 years in making our monthly mortgage payments. Our house is currently in the state court awaiting a hearing to set the house for sale. Before all of this happened we have been consistently behind one month of our mortgage payment ( {$3100.00} ) for about a year and a half. On XX/XX/XXXX the bank informed us that if they did n't receive both payments that they will start the foreclosure process for our property, this is when we decided to get a lawyer to helps us to modify our loan. At this time we stopped paying the mortgage in our house too see if the bank would help us. The bank denied us more than XXXX to modify our loan according to our foreclosure lawyer. The bank concluded that the reason for denial was because we make too much money, and they go back to 31 % of gross income which I feel is not a realistic figure. We have held a mortgage with this bank since XX/XX/XXXX with our previous house and were good customers. We feel they have been unjust and really want our home. All we wanted was a lower monthly payment so we can manage with our monthly expenses. 
My wife and I are both XXXX and have XXXX daughters. This whole process has been so stressful. We wanted to start making payments again but they only wanted the entire balance and have not been willing to assist. We also tried to do a short sale which they again would not consider any short sale. My wife was XXXX seven years ago and it has been hard on all of us. Our daily life is affected in all ways and she XXXX. Stress is not good for this XXXX but then again the bank apparently does not care. We were just behind XXXX payment and they would n't accept it unless it was the complete amount at the start of this whole process. Lawyers have been amazed on how the bank has treated us and not considered any options. We just wanted our bank to help us solve our current situation to modify and lower our current loan with the monthly moorage payment {$3100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2017 about Debt collection (I do not know) with SMS Check Recovery LLC (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Someone from " SMS Recovery in New York ( although I only know that by calling back ) says they have legal papers to delivery and want to set an appointment to bring them to my daughter 's house ( they keep calling her, my wife, my other daughter, my son, my son-in-law .... ) otherwise they will have to bring them by where she works. We have no idea what they are talking about and will only give us additional information if my daughter gives them her personal information. The Caller ID that comes up whenever they call is a fax machine for XXXX XXXX XXXX in XXXX, Texas. I called the XXXX ( the number left by " XXXX XXXX '', answered by " XXXX '', who told me the company and location but refused any other info unless I let him talk to my daughter. Not happening!

Company response to consumer: Untimely response
Consumer complaint received 09-01-2016 about Debt collection (Payday loan) with Direct Recovery Services, LLC (CA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: called my family after i clearly stated do not call anyone else 1 week back.. i even had made arrangements to pay back debt and they still call..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 02/28/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Amsher Collection Services, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: AmSher Collections At around XXXX Pacific XXXX XXXX, 2017, I spoke with XXXX in the XXXX section, ID # XXXX. He told me it would take 15-30 days after payment for it to be marked as paid on my credit report. I requested a receipt after giving my credit card number and agreed to pay my debt. I also gave him my new mailing address. He stated it should take 5-7 business days for me to receive written confirmation of payment from AmSher. 

By XXXX XXXX, I had not received any receipt but had the payment to AmSher listed on my credit card statement. At around XXXX Pacific on XXXX XXXX, 2017, I spoke with XXXX and then his manager, XXXX XXXX. XXXX told me that " the letter was n't generated. '' I asked if a letter was sent out at all. " No, ma'am. '' He confirmed my new address. I asked if this was a widespread issue where AmSher does n't send out receipts. XXXX said no. He said he would escalate the issue to XXXX XXXX, Director of Operations, and the compliance officer. He also required an email where I could provide permission to contact me via email before he could send a receipt via email. 

I would like to file a complaint stating that the debt collection agency did not send a receipt for my payment, even after my request, and made me send a letter allowing permission to contact me via email before sending me anything via email.

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