milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-11-2017 about Debt collection (Medical) with Healthcare Collections-I, LLC (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: 1. Healthcare Collections is attempting to collect a consumer type debt allegedly owed by Plaintiff to XXXX with account number XXXX in the amount of {$250.00} ( the " Debt '' ). 
2. On or about XXXX, I sent a letter to Healthcare Collections requesting validation of the alleged Debt. In this letter, I stated that I had no knowledge of this debt and disputed it. 
3. Sometime around XXXX, Healthcare Collections sent a letter attempting to collect the alleged Debt. 
4. On or about XXXX, I obtained my XXXX credit file and noticed that Healthcare Collections reported the alleged Debt in the amount of {$250.00} This stated that the date opened was XXXX, which is false. Further, Healthcare Collections did not flag the alleged Debt as disputed, in violation of the FDCPA.

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 10/21/2016 about Credit reporting () with Experian Information Solutions Inc. (MA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: On XX/XX/2016 I contacted Experian to re-investigate XXXX Bankruptcy entires on my credit report, 2 days later I received the results in the mail, not only is Experian still reporting wrong information. They re-inserted a Public record that was deleted XX/XX/XXXX. This proves to me that Experian is being very unprofessional and vindictive when they are caught reporting wrong information from unreliable sources. please investigate.

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 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: Equifax is not offering the identity theft protection for minors, this is n't right. 

This complaint is regarding the recently revealed Equifax data breach. In response Equifax is advertising " We are also offering free identity theft protection and credit file monitoring to all U.S. consumers, even if you are not impacted by this incident. ". I went to https : //www.equifaxsecurity2017.com/ and entered last names and last 6 digits of social for myself, wife, and 3 kids, the instruction came back and requested to enroll at a later date. I came back on the date stated and enrolled my wife and I but was gated from enrolling my kids, stating the person had to be older than 18 years old. This is n't right, the kids data is apparently on the sight, and the offer was to all US consumers, but the kids are not included. 
I called the Equifax call center number XXXX on XXXX XXXX, 2107, was offered no useful assistance, and was not provided with any type of contact information to appeal the issue farther up the chain of command. I was told I could " XXXX '' the contact info.

Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2016 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: My Hospital Bill was paid by Insurance company with proper XXXX Discount remaining balance was patient responsibility. But Hospital bill sent to collection department and I questioned the amount mentioned as patient responsibility. Because XXXX discount was also mentioned as patient 's responsibility. I raised complaint on this. Now I see that this balance is reported in my credit history. Insurance provider gave call and lodge complaint to service provider and directed service provider to remove account from collection. 
Collection service is not removed the balance yet and it is affecting my mortgage loan application. 
My Concern to Service provider and collection agency was, if insurance and patient still questioning to credibility of actual balance due then how it is reported as defaulter.

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 05-06-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (TX).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: After approx. XXXX ( XXXX ) total Total and Permanent Cancellation, Deferment, Economic Hardship Requests in addition to Loan Discharge Applications in addition to appeals to my congressman, referrals to XXXX and supporting documenation from physicians plus XXXX ( XXXX ) changes in servicing entities, my medical condition has been ignored until the loan, originally made for attendance online at XXXX XXXX University, XXXX, XXXX for {$6000.00} now stands at {$8900.00}. During that time the interest rates that have been applied have continued to change from 11.25 % to 7.25 % to the current 5 % with an outstanding principle of {$10000.00}. I had XXXX, XXXX, XXXX and most recently, a XXXX while doing my best to finish my degree at XXXX XXXX and then proceed to be certified in XXXX from XXXX University thanks to the good graces of the XXXX and XXXX XXXX of the State of XXXX. This I accomplished with excellent grades while attempting to make headway on repayment of my loans at the XXXX XXXX. I turned XXXX years if age XXXX 2014. On advice of numerous help agencies and after contacting my loans ' latest servicing entity, I contacted legal counsel and was advised of my right to seek redress through the courts. I made contact with the Financial Aids Office at XXXX XXXX and was referred to cfpb citing the feeling that legal redress might not be necessary. It is with this hope in mind that I hereby wish to file a complaint and offer reams of paperwork that has been submitted, resubmitted and repeatedly ignored in mine and my physicians ' substantiation of my XXXX claims. I currently receive {$1000.00} per month from XXXX and find continued repayment of this debt an extreme hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2015 about Payday loan () with ACE CASH EXPRESS, INC. (CA).
Issue: Charged fees or interest I didn't expect

Complaint: I got a loan because work was slow and loan was for rent. 
This was over 4 years ago I lost my job and became homeless could not get a job just 8 months ago I got on XXXX living with mom finally get on my feet still no job but getting progressI get a call from some office and it 's for ace cashLady talking to me like I 'm idiot until I got mad she said they taken me to court blah blahOk is this possible if so I want to fight these guys and old tactic they using that is illegal in CaliforniaSaying took the loan with intentios of not paying it backSo I said listen lady are a you mind read or whatHow can you try to tell me you know why I got the moneyThat 's what you said not meShe like I 'm not the bad guyI said yes you are I 'm not the idiotMy loan was for XXXX $ now they want XXXX $ Take me to court I said I do n't have it when I do I 'll pay what I borrowedBut she said I 'll give you 2 days to pay or they will send to courtGo head loan will be 7 years soonThese dept collectors need to be sued along with ace cashThey give money and charge you 3 times amount like a loan shark last I check that 's illegal wait tho if they take me court I 'll need to pay count fees tooGive me jail time I will not be apart of this ACE CASH scramWhat should I do

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2016 about Consumer Loan (Vehicle loan) with U.S. BANCORP (KY).
Issue: Managing the loan or lease

Complaint: This is my third follow-up to obtain resolution for US Bank error. Please reference Case Number XXXX and Case Number XXXX. I have included the original complaints and letters from US Bank promising resolution. 
The issue that remains unresolved is US Bank has failed to adequately resolve adverse credit reporting related to their error and misplacement of a check. The misplaced check that was to pay-off a loan and the failure to correct my credit record has had a financial consequence to me the consumer. US Bank fully acknowledges that a check in the amount {$3600.00} was submitted to their bank to pay-off my auto loan and their staff misplaced the check. They fully acknowledge that they have been uncooperative in resolving this matter. They fully acknowledge that they are the sole cause of this issue. They have agreed in an XXXX XXXX, XXXX letter and XXXX XXXX, XXXX letter to correct the erroneous information with the credit bureau. 
On XXXX XXXX, XXXX, I obtained a copy of my credit report. The credit report shows that US Bank reported late payment of my auto loan. This negatively affected my credit score and adversely costing my more money in the form of higher interest rates and premiums. 
After review of my credit report on XXXX XXXX, I met with and provided XXXX ( the XXXX XXXX XXXX Branch Manager ) with my current credit report and letters from XXXX XXXX. XXXX contacted XXXX XXXX and called promising resolution. As of today, XXXX XXXX, XXXX at XXXX XXXX, US Bank has failed to contact me on status of resolution. It is obvious that US Bank does not give a whiff about resolving issues they caused their customers. It is obvious by US Banks actions and lack of actions that they do not care if the mistakes they cause end up costing their customers money in the long term. Unfortunately, it is obvious that US Bank does not feel they are accountable to the law, customer or to the Consumer Financial Protection Bureau.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX XXXX reported my account as charged off even if I paid my credit card every month. And I paid it off.

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 05/17/2016 about Consumer Loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (MO).
Issue: Problems when you are unable to pay

Complaint: I have asked One Main Financial not to call my place of employment and yet they have on three separate occasions. The most recent was on XXXX/XXXX/2016 when my coworker again informed them that I could not receive calls at work. It is embarrassing and allows other people to know my personal business.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/24/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (KY).
Issue: Loan servicing, payments, escrow account

Complaint: I paid Greentree Servicing, LLC XXXX payments in XXXX and XXXX after my loan was up because a rep. with their company told me if I made the payments I would be fine nothing would happen. Then they mailed a paper dated XXXX/XXXX/15 saying I owed a balloon payment owing them {$2400.00} and then they turned around a day later I received a certified letter I signed for on XX/XX/XXXX saying that I owed {$3000.00} and that letter was dated XXXX day later on XXXX/XXXX/2015 so it went up {$570.00} plus a {$5.00} late fee was added into that how I dont know? Then on XXXX at XXXX I spoke with XXXX XXXX and we cam to an agreement settlement that if I paid them {$6100.00} that my account would be paid off in full and I told her I wanted documentation that it would be and she refused to send me anything. So finally XXXX XXXX XXXX sent a letter saying if I sent a certified check by to the XXXX it was paid in full. I asked XXXX XXXX if I could deduct the checks from XXXX & XXXX and he said XXXX XXXX we have had a good relationship so far and if you deduct those amounts from the money or stop payments on any checks we WILL have a problem.Now today XXXX/XXXX/2015 I get a letter in the mail from XXXX XXXX saying my account will be paid in full when I send {$500.00}. I have XXXX payments missing from my account payments and I found XXXX of my check registers and XXXX of the payments was over {$900.00}. How is this company still in business. They said I owed them money because I had late payments but looking at the statement they gave me its all under XXXX days except a couple was XXXX days and most was XXXX days and they can put in willy nilly. They have law suites for holding payments to charge interest. I added the spreadsheet ( because thats all it is ) and the columns dont even add up. If you make an agreement and its in writing how can they turn around and then tell me I owe {$500.00} more. I 'm on XXXX with XXXX kids and they know that. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2016 about Debt collection (Credit card) with Diaz & Associates, Inc. (NH).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: My father received a call from Diaz and Associates for me and gave me the message. I called the number back and spoke to a woman who was very nice. She then put her supervisor XXXX on the phone. He was the total opposite. When I told him that I would not pay the bill because I did n't believe it was mine he became very rude. He started harassing me. I told him he was being harrassing. Having worked at a collection agency I know the laws. He then said that I must not have been very good since I was not working there anymore when in reality I moved out of state and im still in collections. He continued to be very rude and insulting. The mini Miranda was not provided by either him nor the first woman. I was not told my call was being recorded. When I told him to stop calling my dad 's he said the number was removed. When I asked what number, he refused to give it to me. I did tell him not to call my phone either as it is a cell and once I tell him not to he ca n't. He then told me that I 'm harassing him by not hanging up the phone. I told him I wanted to know what numbers were being removed and he again refused to tell me. He then continued to make comments to try and degrade me. I let him know that by doing what he 's doing he is still breaking the law. He finally gave me the numbers that were being removed and the call ended. This whole call was a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (VA).
Issue: Credit decision / Underwriting

Complaint: Nation Star Mortgage will not report my payment to all XXXX credit agencies every since my loan was transferred in XXXX they started reporting NO ACTIVETY in XX/XX/XXXX after I got a XXXX modification this has effected my credit scores badly. I have made all payment on time never late according to the contract. 
Nation Star is reporting the original loan amount on my credit report as being XXXX when in fact the amount was XXXX is the number I 'll go with be all my paper trail from XXXX say something different. Even with my modification the loan amount was XXXX ( the new principal blance ). they always have a bunch of lies to tell when you speak to someone that 's you know with common since is not correct. 
Nation Star is also still charging me XXXX a month PMI I been paying this 10 years now. they want take it off because they said I do n't meet the LVT and I need to pay XXXX more dollars on my balance.

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2016 about Debt collection (I do not know) with Midwest Recovery Systems (TX).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: Checked my credit on XX/XX/2016. I have never received a notice from XXXX kendwood services. XXXX has stated that I owed {$670.00} to them. They have sold this debt to a a collection agency called Midwest Recovery System and reported it to the credit bureau. I have never received no confirmation of owning this debt.

Company response to consumer: Closed
Consumer complaint received 03/19/2017 about Prepaid card (General purpose card) with NETSPEND CORPORATION (AZ).
Issue: Unauthorized transactions/trans. issues

Complaint: On XXXX/2017 I was admitted to the hospital with a XXXX. for the next 2 days I was very much out of it not even knowing what day it was or what was going on around me from all the XXXX I was given. was released on XXXX/2017 around XXXX. When I got home and realized I could n't find my debit card I right away called customer service reported it stolen and told them ( I have a Netspend prepaid card ). I had the card cancelled and a filed a dispute over the transactions that had occurred during my hospital stay. I was told 7-10 business days. So I waited. This past Tues XXXX I called Netspend to check the status and was only then told that a letter stating the claim # and Ref # and all charges being disputed had to be submitted. I sent the letter as requested. On the 10th business day which was Friday XXXX/2017 I again spoke to customer service they were not very helpful so I asked for manager. I explained the situation again and he looked over my file. He said that no provisional credit would be loaded to my account because their dispute dept. had decided that I had benefited from these transactions. I am out XXXX and have had to make multiple calls and been put on hold for long periods of time. I was never asked for any other documentation except the dispute for letter with the dates and claim #. On Friday XXXX/XXXX/2017 in late evening I received a response stating no provisional credit would be applied to my account. I again called and s poke to manager who sent an e-mail to that departed requesting the reason and what documents did they base this denial on. I ask how could they deny something like that when I was admitted thru the ER not even knowing what day it was. I have been a netspend customer for several years. I have never filed a dispute before. This has been such a hardship on me that when I was released on XXXX/2017 and learned of my card which only made things worse as I was released in the am of the XXXX and ended up being readmitted. I asked how I could have benefited from these unauthorized transactions seeing as I did n't even know what day it was nor could I have been at any of the locations where my card was used. The manager did not have an answer for me. I have never been treated in a way that has made me feel insignificant. The cameras at the ATM s will clearly show that I was not the one removing money from my acct. I am beginning for some help with this issue. The are FDIC insured which is set up that way specifically to help customer If these things happen to their money to protect their money I would like some help resolving this issue

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2016 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (TN).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: This is a collections attempt for a $ XXXX balance with XXXX XXXX XXXX XXXX XXXX . The balance was paid on XXXX XXXX, 2016 to the doctor 's office directly for the full balance. I received phone calls between then and XXXX XXXX, 2016. I called in and informed the company that the debt had been paid. I asked them per the Fair Debt Collections Practices Act, to cease further communications on the debt. I continued to receive phone calls and then received a letter today on XXXX XXXX, 2016 about the debt. I called in and spoke with a collections supervisor, XXXX XXXX, about the continued collection attempts after my cease and desist. I informed her that if there were any additional collection efforts on this bill, I would be consulting with an attorney. 

I appreciate collections efforts within the scope of the law, however, collecting on a debt that has already been paid is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I am listed as a potential victim according to their equifaxsecurity2017.com website

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2017 about Debt collection (Other debt) with Experian Information Solutions Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Received an alert from Experian that a new account was placed for collection by a company by the name of XXXX XXXX XXXX on XX/XX/17. I do not have a contract or have done business with this company. This new listed collection account has dropped my credit score by several points.

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 01/25/2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NV).
Issue: Using a debit or ATM card

Complaint: i for got my back pack on a city bus, when i realized I left it on the bus with all my credentials I called the transportation department to no avail. I called my bank Bank Of America and notified them of my loss they said they would freeze the account and that I would have to re-open a new account to prevent identity theft. I only had a few dollars in there so I did n't worry about it. 
on my next payday I went to try to open a new account and was advised of a returned Item. 
and from there on I havent been able to clear this matter.

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 11/14/2017 about Mortgage (Reverse mortgage) with Finance of America Reverse LLC (TX).
Issue: Trouble during payment process

Complaint: On XX/XX/XXXX, XXXX, XXXX, Tx received a certified letter from me that contained a insurance co. check, XXXX, insurance estimate, & roofer contract for a new roof on my residence. They said they would issue me a check for my roofer. 
On XX/XX/XXXX, I returned a phone call from XXXX XXXX. They said they needed a XXXX & roofer contract. I faxed both on XX/XX/XXXX. 
On XX/XX/XXXX, I called for a progress report. They said they needed a XXXX & roofer contract. I faxed both on XX/XX/XXXX. 
On XX/XX/XXXX, I called for a progress report. They said XXXX XXXX would call. No call as of XX/XX/XXXX. 
On XX/XX/XXXX, I called & asked for a supervisor. They said no. 
No one ever said anything about incorrect information. 
This has been a big stall.

Company response to consumer: Closed with explanation