milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/19/2017 about Debt collection (Medical debt) with Medical Data Systems, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: To Whom it XXXX Concern : After viewing a copy of my credit report, I noticed a XXXX collection accounts placed on my credit report from you this in XXXX account # XXXX and # XXXX. 
I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. If any fees are owed and documentation is provided that info should have also been forwarded to XXXX and XXXX. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( XXXX ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the XXXX does allows the release of limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore, my request is twofold -- validation of debt and XXXX authorization. 

Please provide breakdown of fees including any collection costs and medical charges. 

Provide a copy of my signature with the provider of service to release my medical information to you. 

Cease any credit bureau reporting until the debt has been validated by me.

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 01-01-2016 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (WA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have disputed this debt and filed a fraud complaint. The collection company sent me " proof '' that I owed the debt. They sent me a letter stating that they had investigated my claim and they had concluded that my debt was not fraud. Their " proof '' was a credit card statement for a completely different person, with a completely different debt ( NOTHING similar to the one they say is me ) in a completely different state. This does not instill very much confidence in their abilities to " investigate '' my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-01-2017 about Mortgage (Other type of mortgage) with NATIONSTAR MORTGAGE (NC).
Issue: Struggling to pay mortgage

Complaint: I was approved for a loan modification and set in paperwork to start loan repayment. After I sent paperwork in agreeing to the loan modification ; I was told that my paperwork was not accepted because my signature did not look authentic. I was told that because of the signature problem, my paperwork need to be redone. I was told not start paying my bill because my loan had not been processed yet. I was told that I had to resubmit my paperwork and will start paying from that date once I got approval on my signature. I was told no payments need be taken at this time. So I was sent paperwork about 90 days later to re-sign and send in to my loan officer. I was told to start paying my mortgage on XXXX. I got a phone call few days after this meeting stating I owed XXXX worth of payments and it needed to be paid. I explained that this was not what I was told and I could not pay it. I was told then my house would go into foreclosure. I requested to speak to a supervisor and I was denied twice. I was denied my home modification and now facing foreclosure because of wrong information was provided to me and my signature not being accepted. I requested assistance from my point of contact and he never calls me back. I never got a chance to speak to a supervisor about my situation. Since XXXX/XXXX/XXXX, I have being calling my loan officer with not return calls and not direction into how to save my home.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (CA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: I have now spoken with three/four ( but the second woman hung up on me after she said her scripted info ... it was strange ) people at XXXX XXXX. Each of them told me completely different information. The card was activated in XXXX, but she could n't say anymore. Then she told me There was no manager they were " on a call '' and I told her I 'd wait, and the VP was never in a meeting,

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2017 about Mortgage (FHA mortgage) with LoanCare, LLC (CA).
Issue: Struggling to pay mortgage

Complaint: On XX/XX/XXXX XXXX XXXX XXXX U.S Bankruptcy Court Dismissed the BK case and prior to the dismissal Loan care recieced the following payment againt XX/XX/XXXX defiency blance of {$9.00}, XXXX in the following manners : ( 1 )  Bankruptcy court paid from the plain {$3000.00} toward the defeiency blance. 
( 2 ) Loan Care retain two surplus payment for XX/XX/XXXX and XX/XX/XXXX for {$2000.00} each year. a ( 3 ) The homeowner has paid XX/XX/XXXX mortgage on XX/XX/XXXX {$1500.00} dollars on a {$1300.00} and on XX/XX/XXXX LC informed us that there was a surplus of {$2000.00} was being applied to XX/XX/XXXX payment and then informed the homeowner in the XX/XX/XXXX statement the only amount due was {$1300.00} which was paid by a LC a Cashier check sent on XX/XX/XXXX and received by LC XX/XX/XXXX. 

However, in spite of not owing reported default amount, but the owners have received a notice foreclosure proceeding has commenced laying claims that homeowner are nine months delinquent of {$9700.00} and debtors has proceed with Foreclosure attempt without further FHA stand alone review, loss retention in accordance with FHA requirement for special forbearance and the right to cure the default. 

The lender has not filed a new notice of default with the  county regarding the amount owed is less then {$4000.00} prior to intuiting current for closing proceeding. The lender has active foreclosure proceeding without allow the a chance to verify the claim of default and/or the amount owed, or has not assess the borrower financial situation to remain in the home by performing an early review of the loss mitigation submitted to loan care on XX/XX/XXXX at  XXXX. Eastern Pacific Time,.

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 08/16/2017 about Debt collection (Other debt) with ERC (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I recently received a copy of my credit report and I noticed that this company is reporting negative illegally re-aged information against my SSN. I have never done business with this company. They have never provided me with any goods or services. I have no contractual obligations to this company yet they have reported to the CRA 's that I indeed do. I have been active on a family plan with XXXX since XX/XX/XXXX however this company has reported as of XX/XX/XXXX that I owe them via XXXX money which is impossible or an account they reaged illegally. I am requesting validation of this debt. Please send me a signed contract between me and your company. One that I signed and one you signed. Copies of a copy is not legit. I would like to see the contract with my wet ink signature, detailed statements from the last 6 months, and how this alleged debt was calculated. As well as when the account was closed and bought by this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: On XXXX/XXXX/XXXX the IRS sent to XXXX and all of the Credit Bureaus the Form XXXX, Withdrawal of Files Notices of Federal Tax Lien, or Form XXXX, Withdrawal of Files Notice of XXXX XXXX XXXX after Released, at the recording office where they ( IRS ) had filed the notice of lien. I requested to XXXX to remove/delete those specific records ( Notice of Lien Serial Numbers : XXXX, XXXX ) and they responded with he following completed investigation : The Results Of Our ReinvestigationPublic Record Information ( This section includes public record items obtained from local, state and federal courts. ) XXXX We have reviewed the lien information. Case or ID # XXXX The results are : We have verified that this public record item is reporting correctly. If you have additional questions about this item please contact : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Phone : ( XXXX ) XXXX Filed XX/XX/XXXX ; XXXX XXXX XXXX Recorder ; Case or ID # XXXX ; Amount {$24000.00} ; XXXX XXXX ; Released XXXX ; Verified XX/XX/XXXXA ; XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX : ( XXXX ) XXXX XXXX We have reviewed the lien information. Case or ID # XXXX The results are : We have verified that this public record item is reporting correctly. If you have additional questions about this item please contact : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Phone : ( XXXX ) XXXXLien Filed XXXX ; XXXX XXXX County Recorder ; Case or ID # XXXX ; Amount {$31000.00} ; XXXX XXXX ; Released XX/XX/XXXX ; Verified XXXXA ; XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX : ( XXXX ) XXXX -- Please help me to resolve this matter with Equifax because it 's affecting my credit score and my personal life. Please find enclosed the IRS letter sent to me, Equifax and XXXX XXXX County Recorded agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2016 about Debt collection (Credit card) with ZWICKER & ASSOCIATES (OR).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I received a complaint from Zwicker and associates XX/XX/XXXX without a demand letter or any pre- knowlege of a lawsuit pending. I do n't know who the law firm/debt buyer is, and they did not attach an affidavit or show anything pertaining to the alleged debt they are trying to collect, and they have violated the fair debt collection practices act. If they were truly working for XXXX as they claim is the plaintiff, they would know I have a third party lawyer assigned to the case. That lawyer would have received the demand letter, but they did not.

Company response to consumer: Closed with explanation
Consumer complaint received 07-04-2015 about Debt collection (I do not know) with Pressler & Pressler, LLP (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The law firm of Pressler and Pressler LLP in XXXX NJ has been filing suite against me in the local county courts and I have been requesting the required information on the debt since they had XXXX contacted me and they have not yet done so, I have repeatedly advise them it is not my debt. Through my own research with what little information they have given me it appears they and their partners have purchased some kind of written of credit card which has nothing to do with me. The courts set a trial day for XXXX XXXX however upon arrival I had been informed it had somehow be decided on XXXX XXXX, additionally each time I receive any notifications concerning the debt they have provide a different name for the entity claiming to own the debt further confusing the issue and from the articles I have found is a tactic they often use, I have been informed the firm is currently under federal investigation for using similar actions in violation of the Federal Fair Debt Collection Practices Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: As of XXXX XXXX, through widely available media, I discovered that Equifax had been a victim of a cybersecurity attack that may have leaked millions of American 's private financial information. Based on this information, I went to Equifax 's website and confirmed there was in fact a breach. I used their free tool to see if I may have been an affected individual ; it was confirmed that I was at risk. 

I then went to each of the three big credit reporting agencies ( Equifax, XXXX XXXX ) and froze my credit to protect against fraudulent activities. I was charged {$10.00} each by XXXX and XXXX ( {$20.00} total ). I am unhappy to have had to pay these fees to protect myself from fraud that I am now exposed to due to the incompetency of Equifax. Additionally, I will have to pay future fees to temporarily or permanently unfreeze my reports in the event that I 'd like to legitimately make use of credit services.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There 's a Florida address that belongs to a thief that took out a XXXX dollar loan in my name in XXXX! 
From the looks or this report, I believe he 's at it again. Never lived in Flordia, never took out a XXXX XXXX credit card? Seems like he took another loan out in my name in XXXX? 
Do n't really know what I can do at this point. The police told me in XXXX when he took out the first loan, that this man has been steeling identity for over 15 years, with never a conviction? So now 10 years later, he 's been stealing successfully for over 25 years! 
I 'm ready to give up and start doing what he is! Seems like a pretty good living! 
I refused to pay a bogus bill from XXXX in XXXX and it still shows up 11 years later? 
It seems to me that my XXXX score is not fair at all. 
Thanks, the real 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 09/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (NY).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I opened my barclay XXXX card in XXXX online, as I did the application online, I wanted to do a balance transfer from my XXXX account for the amount of XXXX on XX/XX/XXXX. That was the only balance transferI processed online. Once my credit was approved, I expect to see information on my balance transfer. I then called to confirm and add another chase account balance transfer for the amount of XXXX. In the midst of confirming and adding another balance transfer, Some how a third balance transfer was added at the mistake of the representative from barclay card for the amount of XXXX. They closed my account, I recieved a letter dated XX/XX/XXXX stating the balance transfer never processed and it was an invalid chase account. Online with my barclay card for the month of XXXX, my account shows the same information, how my account was credited back the invalid balance transfer for XXXX. Some how that balance transfer is now a " valid chase account " and is on my statement. I 've showed them all the proof and even the letter they sent me. I even had chase on the phone with barclay card telling them it 's not a valid chase account. In the event this happens they are supoose to open a claim with chase. They told me I need to contact chase and figure it out. Barclay card said they opened a claim, verified it 's a valid chase account under my name and they 're nothing they can do, I can write a letter to the president of the company. Basically this is n't my balance transfer, it was was their mistake, it 's not a valid chase account. They also, had a payment posted and taken off, I asked them to give me information on the payemt ; they also charge me interest on a brand new card. I 've asked barclay card to pull my phone records and listen to the call and they have done anything to help me as a customer! I have had nothing my problems and they resolution for me is to write the president of the company, they gave me his fax number. THank you

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 03/28/2016 about Consumer Loan (Vehicle lease) with ALLY FINANCIAL INC. (FL).
Issue: Managing the loan or lease

Complaint: GMAC refuses to explain or show that the debt they have been reporting since XX/XX/XXXX is accurate. I have amicably tried to resolve this matter however GMAC has refused to answer any of my questions or show me proof that I owe them any money. They have gone as far as removing my good GMAC accounts from my credit reports and leaving the one trade line which is reporting in error. I have tried the XXXX but they never responded I have tried writing letters certified to their legal counsel in New York to no avail. I want them to remove the negative reporting off my report which is due to come off in XXXX XXXX anyway. Please help, their customer rating and satisfaction rating is very low from the research I have done and this situation is no different. I return the car in good condition on time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2015 about Credit card () with GreenSky Trade Credit, LLC (CA).
Issue: Unsolicited issuance of credit card

Complaint: On XXXX XXXX 2015 a sales rep from XXXX XXXX named XXXX XXXX came to my XXXX XXXX year old father 's home and convinced him that he would benefit from a solar installation. The next day I reviewed the contract he had my father sign and decided to exercise the cancellation clause that day. My father was unaware that the papers he signed would allow them to open a {$40000.00} dollar line of credit with Green Sky Credit. They advanced {$5000.00} on this new credit card. We have been trying to reverse the {$5000.00} credit for months now. I have requested multiple time 's to correct this. I am hopeful this week on XXXX/XXXX/15 almost 6 months later I will resolve this. But we could use some help as it keeps lingering with no resolve.

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 monetary relief
Consumer complaint received 11-01-2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Rewards

Complaint: On XX/XX/2016 I received an email offer from My Best Buy VISA Card that stated " Get a {$5.00} Reward Certificate for Every 5 Swipes when you shop with your My Best By VISA Card outside of Best Buy. Offer expires XX/XX/2016. '' The fine print stated " Receive XXXX bonus points per transaction. Bonus points will post to your loyalty account 3-4 weeks after qualifying purchases have been made. Limit XXXX bonus points per account ... '' Essentially, I was to receive XXXX bonus points per transaction and XXXX points equals {$5.00} in rewards. With a limit of XXXX bonus points, that means that a limit of XXXX transactions would receive XXXX bonus points each. I made XXXX transactions from the period that I received this email offer through XX/XX/2016, so I should have received the maximum XXXX bonus points. I never received any bonus points so I sent a secure message online through the card 's website advising them of the issue on XX/XX/2016. They replied back on XX/XX/2016 that they were " unable to properly respond to my request '' and provided the phone number XXXX. I called the phone number on XX/XX/2016. The person I spoke to said they had no such offer. I stated that I still had the original email and was looking at it as I was speaking to him. After several lengthy holds and being transferred to a " supervisor, '' I was told that they would forward my case for investigation and provided me with case # XXXX. I asked when and how I would hear back and get my bonus points. He stated they would email me within one week. It is now XX/XX/2016 and I still have n't heard anything nor have I received the bonus points. I tried calling the number back to follow up on the status but I was transferred and put on hold for over 20 minutes without anyone who was able to understand what the case number was referring and, eventually, I was transferred to Best Buy customer service ( for the actual store ) which has nothing to do with the credit card offers. At this point I hung up and decided to file this complaint. It 's apparent that they never had any intention of fulfilling this offer and are using exhaustive customer service practices to frustrate me as a customer to give up. I feel as though this is a UDAAP violation in that they are emailing advertisements to encourage customers to use their card while not providing the bonuses promised in the advertisements. If I had spent the money on another card, I would have received 2 % cash back, however, at this time I have received nothing. I am looking for the {$50.00} in rewards that I was promised and some compensation for the hours spent online and on the phone trying to resolve the issue.

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 02/27/2018 about Payday loan, title loan, or personal loan (Payday loan) with MoneyLion Inc. (CT).
Issue: Charged fees or interest you didn't expect

Complaint: On XX/XX/XXXX I took out a payday loan in the amount of {$1000.00} with an interest rate of 645 %. Total amount of payments was {$3400.00}. 

On XX/XX/XXXX I took another loan in the {$1500.00} with an interest rate of 590 %. Total payments were {$4400.00}. 

On XX/XX/XXXX a payment was taken from my account a day earlier than I expected. As it was not my payday from work, the money was not in my account and an overdraft was caused. I was told I should check my payment schedule. 

As a few resident to the state of CT, I did not know that payday loans were illegal in the state of CT and lawmakers have been going after such practices due to their high fees.

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 05/19/2015 about Credit reporting () with EQUIFAX, INC. (MN).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I had a XXXX XXXX in XX/XX/XXXX and had to file a bankruptcy, which is stillbeing reported. In XX/XX/XXXX I had XXXX credit cards put on a debt settlementprogram which has been paid. But the credit bureau still is reportingthat I have serious delinquencies and I did n't have delinquencies beforethat and none since then. That causes a lot of places to turn you downwhen applying for credit. 

XXXX

Company response to consumer: Closed with explanation