milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/28/2015 about Debt collection (Medical) with Applied Business Services, Inc. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: . I sent this company a request for validation on XXXX and the tracking number is XXXX and it was delivered to a closed business on XXXX at XXXX and then delivered on XXXX at XXXX but to this date Ihave never received validation of the debt. They have had more than ample time to comply with my request and it was signed for by one of their agents whose name is XXXX XXXXThis letter that I sent them references all ( accounts associated with XXXX ) for services provided to ( XXXX XXXX ) on ( XX/XX/XXXX ). 



These accounts were submitted to, or should have been submitted to ( North Carolina ) for indigent care. ( XXXX. Indigent health care risk fund Deposits Interest Payments Reports. ) b/c I was homeless and indigent at the time of service. 

They are in clear violation of HIPPA

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Deposits and withdrawals

Complaint: To whom it may concern, I have transferred {$100.00} to my friend using Chase quickpay on XX/XX/2016, even I got the transaction number XXXX, but my friend did not received it. So I called the bank to help me find out where is my money and asked the representative to show me proof that the money was sent to XXXX XXXX XXXX. However, I was not given any evidence to show that the money was sent to XXXX XXXX XXXX until today, I am still missing {$100.00} in my account. And a representative of XXXX XXXX XXXX asked me to prove the money was sent to XXXX XXXX XXXX. Otherwise they can not help me find where the money went. 
Thank you very much. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2017 about Mortgage (VA mortgage) with HMSV Financial Services, Inc. (OR).
Issue: Closing on a mortgage

Complaint: First contacted this loan officer who took my income information and made a pre-approval for the amount of a home I was looking at, it was hitting the max end of our pre-approval but she did it anyway. When our buyer of our home wanted us to pay closings costs, $ XXXX, I asked XXXX if this would be a good idea, she said that we would maybe have $ XXXX leftover if we paid our buyers closing costs, if we purchased this home we were looking at. There was a lot of communication back and forth with XXXX she kept asking for items I had already sent her, and pretty much rushed us through the process. I do not recall any sort of pre-counseling of sort or notice regarding not using your credit cards when in the process of trying to obtain a mortgage. Also, I ended up not paying my mortgage because I was using that money to make repairs. From the months of XXXX through XXXX is when our loan was pre-approved. Then, come the day we were finishing up on closing on our loan all of a sudden this lender says we are not qualified. Actually, I could not even get a hold of XXXX after she emailed me and told me that we were no longer approved. I tried calling all day Friday and the remainder of the weekend. I was basically blown off and given no chance to fix the deficiencies. We literally had already sold our house based on XXXX 's professional advice. They must have done something procedurally incorrectly, well they did, we had ten days until we were homeless at that point. We could not breach our contract with our buyer. We scrambled and there was no apology, no response, no nothing. I spoke with XXXX XXXX, her supervisor, the mortgage branch manager, he had no idea about our file or what was going on. It was awful to know no one cared that our us and our XXXX kids would be homeless. We were lucky enough to have our seller rent his house back to us while we are ( stlll ) trying to correct the deficiencies that XXXX apparently did not catch ( or her team ). This is a complaint against the entire department. There is no oversight nor care in the way XXXX or her team do their job. I am writing this complaint in hopes that this does not happen to anyone else that they may work with on a home loan, there needs to be reprimand, although I think XXXX should be fired for this behavior. The only person at that company that even remotely helped or answered the phone was XXXX XXXX. This company should not be allowed to do business unless they are in the business of making families homeless.

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2015 about Debt collection (Auto) with ALLY FINANCIAL INC. (IL).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: XXXX SKIP TRACED AND ILLEGALLY RAN BACKGROUND ON MY WIFE FOR ALLY FINANCIAL TO WHOM WAS PAID OFF XX/XX/2015 AND KEPT HARASSMENT UP FOR DAYS AFTERWARD VIA CALLING MY CELL NUMBER XXXX IN VIOLATION OF T.C..P.A AND FDCPA AND FCRA NON VALIDATION OF DEBT ETC..SENT, THE NUMBER ASKED TO CALL WAS XXXX FOR CASE NO XXXX, NOTICE NO DATE XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: So Ive recently checked my credit report on XX/XX/XXXX,  and I had noticed that the number of inquires on report are through the roof. I had been in disbelief, and I had good reason to be 13 credit inquires were reported on my report that I had recollection of no did I approve of the hard pull on my credit. So I sent an email to all three credit bureaus, XXXX, XXXX and Equifax explain that I would like to discuss why these inquiries are on my report if I did not have any knowledge of them. All three Credit bureaus declined my requests when I called in XX/XX/XXXX, the three names I had gotten from the associates were XXXX for XXXX., XXXX for XXXX, XXXX for Equifax they had argued with me and kept blaming me for the mistake on the report when I wanted some help to understand the situation. The customer service was terrible for all three companies, they made me feel guilty for calling, I would like your help to please help me get the customer service not only I that deserve but what others deserve too. The list of inquires are listed below : XXXX/XXXX/Equifax : 1. ) XXXX XXXX XXXX Date : XX/XX/XXXX 2. ) XXXX Date : XX/XX/XXXX 3. ) XXXX XXXX XXXX Date : XX/XX/XXXX 4. ) XXXX Date : XX/XX/XXXX 5. ) XXXX XXXX XXXX Date : XX/XX/XXXX 6. ) XXXX XXXX Date : XX/XX/XXXX 7. ) XXXX Date : XX/XX/XXXX 8. ) XXXX Date : XX/XX/XXXX 9. ). XXXX Date : XX/XX/XXXX 10. ) XXXX XXXX XXXX Date :XX/XX/XXXX 11. ) XXXX XXXX XXXX Date :XX/XX/XXXX 12. ) XXXX XXXX XXXX Date :XX/XX/XXXX 13. ) XXXX XXXX/ XXXX Date : XX/XX/XXXX These are the 13 inquiries I desperately need off my report I didnt authorize these credit pulls. I do not remember them and its cause me emency about of stress and pain this is cause me emotionally and this is me asking for help desk, please have these removed. 

Sincerly, XXXX XXXX XXXX XXXX : XXXXXXXXXXXX Phone : ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2015 about Debt collection (Medical) with Central States Recovery, Inc. (KS).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Central states Recovery has been contacting me at work and when asked no to the lady her last name was XXXX told me she would call me as often and as much as she wanted at work ... this started happening on XXXX XXXX 2015 when I told her to call me after hours when I am not at work and had no problem talking to her at that point. She told me if I did n't talk to her when she called she would sue me. I told her do not call me back at work and hung up on her she immediately called me back and asked to speak with HR department when I told her we did n't have XXXX she said Yes you do. I asked her again not to call me during work hours and she immediately called me back again then called again on XXXX/XXXX/2015 then the weekend went by ... I did n't get the time to call her before XXXX on Friday the XXXX.The calls started again on Monday the XXXX again she was told not to call during work hours. then on Tuesday the XXXX she called again I took the information down and called back at XXXX I reported how she treated me and requested a different collector. she then again started calling me at work on the XXXX and again I asked her not to call me at work she replied that she will call when she wants I told her that my employer has requested her to not call me at work and she said " well your employer probably doesn, t know you owe XXXX dollars either. It is none of my employers business what I owe. I hung up on her. She then called back and talked with my boss asked for the address and HR of my job.. I called to make a complaint to CSR and the refused to let me speak with a manager. I was put on hold and then I hung up because I am at work I can not be bothered by this I told her I called back on the evening of XXXX and she said NO YOU DIDNT ... I AM BEING BOTHERED BY THIS DAILY AND CAN NOT AFFORD TO LOSE MY JOB DUE TO THEM HARRASSING ME

Company response to consumer: Closed
Consumer complaint received 02/15/2016 about Credit card () with JPMORGAN CHASE & CO. (WI).
Issue: Credit determination

Complaint: Chase violated the FCRA by accessing my credit report to conduct " Account review inquires '' after my account relationship had ended with Chase. This meant that Chase made these inquires to all three of the CRA ( Credit Reporting Agencies ), without my consent for an account review for credit services. This was not in an effort to offer credit or other services. Chase did not notify me or ask permission to review my account. Chase will not remove the inquiries or the accounts that were closed. I will take further action up to and including a lawsuit to protect my consumer rights under FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2017 about Debt collection (Credit card) with United Collection Bureau, Inc. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I continue to receive bills from the United Collection Bureau for XXXX XXXX. I have requested in writing that the United Collection Bureau to stop contacting me per CFPB guidelines and instructions and continue to receive notices. They said they would stop contacting me then the identity theft debt was transferred to another collection agency, I contacted them to stop contacting me in writing again, and then the identity theft debt must have been transferred back and now I am receiving notices from United Collection Bureau again

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 03/16/2017 about Debt collection (Credit card) with The Bureaus, Inc. (MD).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I had an XXXX rewards card back in XX/XX/XXXX for the amount of {$770.00}. Due to hardship I was not able to make payments and It was sent to collection. The Bureaus Inc took over the account and is using XXXX to collect the balance on the account. However, the original balance of {$770.00} went up to {$930.00}. I have been contacting XXXX since XX/XX/XXXX to find out why my balance increased by {$150.00} but they have failed to provide that information. XXXX rudely refers me back to The Bureaus Inc for any information on the account and state they CAN NOT provide any information on the account except for settlement offers. I have been in contact with the Bureaus Inc since XX/XX/XXXX by email and i was able to get the original XXXX card billing information but they FAIL to provide a statement or Bill demonstrating or explaining the charges being added to the original balance. I keep getting run around about why they can not provide a statement showing the {$150.00} extra charges and Im just being told that they are charges added without a clear explanation. I am willing to pay for the collection, but i am not willing to pay for unexplained charges that two agencies, The Bureaus Inc and credit XXXX, can not discuss openly with me. I think its frustrating and unfair that they keep giving me a number but FAIL to demonstrate how they get from {$770.00} to {$930.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: transunion said the debt was verified, no change ... .but i never received verification of this debt being mine, i have no knowledge of this debt being sent to collections, and never had a chance to dispute this account before being reported to my credit report

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 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: My kohls charge card was apparently 60 days late it was reported to all 3 credit reporting agency 's as delinquient which in turn caused my credi score to go down significafantly. I contacted kohls department store and made payment arrangements to bring the account current. I explained that kohls would ask for a payment for 2 months in advance. I usually just pay all my credit cards once every month. I explained to the rep that I do not like to make 2 months payment in advance as this is causing me confusion being I am under the impression I am paid for the next 2 months. However I was told on sunday XXXX/XXXX/2017 that I was given wrong information. I made 3 payment arrangements to bring the account current. I was concerned about my credit reports showing this account as delinquent. The rep put me on hold and spoke to a supervisor and was told to dispute the delinquent charges being I made the arrangements and kohls will respond to remove the delinquient remarks and put my account as showing as paid as agreed. I disputed this account online just now with XXXX but was not able to dispute it online with XXXX and XXXX as they say there system is down. I am submitting this complaint because I was given wrong information which in turn caused me to have my account go late when I was under the impression I was current. I am writing in hopes kohls will hold to there word and remove the negative comments from all 3 credit reporting agency 's because it caused my score to drop by XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2015 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Hi, I am trying to get CitiMortgage to remove my property tax impounds. I believe law states if Loan To Value is less than 80 % it is not required. I chose to have impounds when I XXXX bought the home XXXX years ago. The value then and now ( even with California XXXX XXXX property tax assessor valuation ) is higher and at {$500000.00} +. My balance is {$370000.00} for an XXXX of approx. 75 %. They keep making up new rules each time I have called them. I 've tried about XXXX times in the last XXXX months and it 's always some different rule. Newest XXXX it is based on the value of the property or original loan balance XXXX {$390000.00}, I put 20 % down ) whichever is less, so it makes it 94 % ..??? I asked where was this disclosed on any of the documentation, she said it is not and an internal rule. I said I did n't agree to this and it was not informed nor in writing within any documentation of this loan. I feel they have taking advantage of consumers and they over estimated my impounds. It almost seems they want to keep this money for other illegal reasons, to keep their company liquid, because they are trying so hard with invalid reasons to keep this money. Based on California Impound information I read about as well as RESPA, I feel this is a possible class action lawsuit issue. Please advise. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2017 about Credit reporting () with CITIBANK, N.A. (OK).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: CBNA inquiries that are not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CT).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: According to the credit Bureaus I have 2 account with XXXX XXXX XXXX. I do not have 2 accounts with XXXX XXXX XXXX. It also shows that one or both is a  secured card with a security amount of XXXX. It does not show what bank account or credit card number was used to fund this account nor does it give me information about how this XXXX balance was rendered. 
When I reached out to the company both via mail and phone I was told its was verified. They also sent me some documents that appeared to be an application. I contacted them via phone and wanted to speak to the legal department, they returned that this is not a legal issue its a customer services issue and someone would call me to have the information removed. That was 10 days ago, I 'm filing this complaint because, I 'm having trouble getting the account properly disputed with the credit bureaus and when contacting the creditor it is equally as non- informing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Kindly I have been trying to get my credit report and score from Equifax for months now without any success, although I have XXXX credit card accounts and I 'm able to see them all on my XXXX and XXXX credit reports without any problems. 
My problem is with Equifax , I tried to sign up for their complete advantage plan and they asked me to fax my Social Security card and Driver 's License to verify my identity so, I did, then they told me we wo n't give you access to your credit report because my Social security is based on my work permit, do they have the right to deny me access to my credit report and credit score on that ground? if so how come I am able to get my report and score from other credit bureaus then? 
Kindly I would really appreciate your assistance, as I 'm relatively new to credit and I 'm trying to build my credit score and every time I try to see my credit report from Equifax it tells me non matching Social security.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2015 about Debt collection (I do not know) with ERC (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: We constantly receive voice messages from ERC, early in the morning, late in the evenings, during the weekends, for collecting debts we do not have. 
The voicemail give a reference number and we have been advised not to contact them as they would do anything to make us pay something we do n't owe. We are non-residents in the US and have no credits, no debts anywhere.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/18/2016 about Debt collection (Credit card) with WELLS FARGO & COMPANY (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: Debt was discharged ( cancelled ) by the bank ; on or about XXXX, a XXXX sent by Wells Fargo to IRS stating balance of {$4800.00} as taxable. 

Now I am receiving repeated harassing phone calls trying to collect debt, as well as a letter from Wells Fargo filled with inaccurate detailing of situation. 

Have responded in attempt to rectify their records. No response back as yet.

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 08/27/2016 about Debt collection (I do not know) with SYNCHRONY FINANCIAL (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I get multiple calls from XXXX on my new 2 month old cell phone. It is a pre-recorded message telling me to call XXXX about a JCPenney account that is overdue. I do n't have any JC Penney accounts. This is also a new cell phone and number. I call and they say the ca n't find me in their accounts by phone number. I tell them to stop calling me and using my minutes when I do n't even have a JC Penney account. I ask for a supervisor and they put me on hold and then hang up on me after a few minutes on hold. They have called multiple times now. How do I get them to stop calling me? I am a XXXX XXXX person on a fixed income and ca n't afford the minutes on my cell phone.

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