milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/20/2016 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (GA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Did not give authorization to discuss medical information to an outside or 3rd party.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (NY).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: REPORTING CREDIT INFORMATION UNVERIFIED AN UNAUTHORIZED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/27/2016 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (VA).
Issue: Loan servicing, payments, escrow account

Complaint: My monthly mortgage payment went {$1800.00} /month to $ XXXX started in XX/XX/<YYYY> This happened because they opened escrow account which was not there while it was serviced by XXXX Mortgage. As a result, I lost the flexibility of making arrangements with the XXXX to pay property taxes and insurance payments with insurance company. As a result, I am perpetually XXXX payment behind all of XX/XX/2016. In addition, every time I try to schedule the payments or move the scheduled dates, I am being harassed perpetually.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2016 about Bank account or service (Checking account) with U.S. BANCORP (IN).
Issue: Problems caused by my funds being low

Complaint: US BANK! On XXXX/XXXX/XXXX I made a purchase for XXXX. This brought my account balance to XXXX. On XXXX/XXXX/XXXX the bank charged their monthly fee causing the account to go -XXXX balance. 
Three days later the bank states the purchased from XXXX/XXXX/XXXX was processed and charged an over NSF fee if XXXX. I feel this is wrong due to it was a bank fee that over drafted the account. There was no other balance change when the NSF fee was added. 
I feel this is the bank charging a NSF fee for their bank fee which is wrong. Also I was never made aware my account did not meet the requirements and would be charged a monthy fee. The bank has told me this could change ever month. Too confusing for customer 's to keep up with.

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 12/28/2016 about Payday loan () with DFC GLOBAL CORP (FL).
Issue: Applied for loan/did not receive money

Complaint: Hello, I filed a complaint against Money Mart for a fraudulent inquiry on my credit report. Money Mart replied stating I came into their organization on XXXX XXXX, 2016. They indicated I applied and did not receive a loan. I am asking the organization to pull their video on that date and to provide a copy of my license in which they should have if I came in to apply. I am also asking company to provide the phone number on my credit report and match against their application because they should have seen a fraud alert on my credit report in which they have the credit inquiry listed on and the phone should have been called and verification implemented. I have never been to this organization, nor did I know of this organization existed until viewing the inquiry on my credit report. I have never been to Money Mart and have no clue where this place is. Again, I am asking for the removal of this fraudulent inquiry as I never applied for anything with this organization

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2016 about Student loan (Federal student loan servicing) with GREAT LAKES (SD).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: My loans are being serviced by Great Lakes and they are the worst servicer I have dealt with, They are not offering any financial hardship assistance to me whatsoever and I do not want to continue to work with this agency. I spoke with XXXX in the wage garnishment department who was rude, misinformed, avoiding to answer questions, refused to give her last name, refused to get a manager on the phone when requested and not helpful at all. I then had to hangup on her because she offered no assistance and called back and spoke with a lady who claimed she was a supervisor who the other representative claimed their were none available and I spoke to XXXX XXXX, who was not very helpful either and spoke down to me and my representative and would not offer me an affordable payment arrangement after I had given her my income information. I told her that I could not afford that and she insisted on that amount to be paid in order to stop my garnishment. I offered to pay an amount that was more affordable and was turned down to do that. This lady works off commission and gets paid if she get money from me and I just want to resolve my loans with reasonable payments so that I can feed my XXXX children and still pay my rent. This is deplorable and I want this agency to be removed from servicing my loans and allow me to consolidate since that is the only reasonable solution for me at this point.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2017 about Debt collection (Other debt) with First Advantage LNS Inc. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I informed National Credit Audit Corporation on two occasions that information reported by there company was incorrect. The amount listed and reports the credit bureaus are incorrect. NCAC responded in two letters on different dates stating The account was verified and is accurate. I received a final billing statement from the original creditor which list the correct amount owed. NCAC has refused to correct this information.

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 explanation
Consumer complaint received 07-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Ad Astra Recovery Services Inc (TN).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XXXX 2017 {$500.00} I have filed a dispute with Ad Astra Recovery to verify because no contract was signed they sent back it was verified with no proof

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: The balance that is shown from my charged off XXXX loan is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2016 about Debt collection (I do not know) with Benuck & Rainey, Inc. (MA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Mine phone number is not the phone number that the collection agency has to call another person

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: should be removed .. date with red on my student loans is not true, I had always remained in contact with the reporting agencies, and they said they will remove the delinquent status.

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 12/13/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Fradulent charges were made to my Bank of America credit card. I had numerous phone conversations with individuals ( whose names I have ) assuring me that it would be resolved in my favor. Now I am informed that because I did not contact them in writing, that I am liable for the fradulent charges totaling {$26000.00}. I am XXXX years old and have been with B of Am. for 30 years. The phone conversations assured me that they were looking after my interests.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2016 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (IL).
Issue: Loan modification,collection,foreclosure

Complaint: i had submitted a complaint and sent info in 2012 against a predatory mortgage but never heard back. it was CitiMortgage, the address was XXXX XXXX XXXX XXXX. we lost that home and no one has ever contacted us, please call me @ XXXX XXXX XXXX. They told us we would be on a priority list.

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 05/27/2015 about Mortgage (FHA mortgage) with U.S. BANCORP (KY).
Issue: Loan servicing, payments, escrow account

Complaint: I am in the process of having my roof replaced due to weather damage. Part of the process for US Bank Home Mortgage is that I have an inspection before the funds can be released to pay the contractor. I requested an inspection from US Bank Home mortgage on XXXX XXXX, 2015. I was told I would here from the XXXX party contractor within 3 -5 business days. Today is XXXX XXXX and I have yet to year form the contractor. I continue to call US Bank Home mortgage for a solution but they only tell me that a ticket has been placed to escalate the inspection, but I have yet to receive an inspection or a phone call from anyone regarding the inspection. The roof replacement work was completed on XXXX XXXX, 2015. US Bank Home mortgage paid XXXX of the {$3500.00} check they received from the insurance company. this payment was made to the contractor and myself. They have indicated the other funds can not be drawn down until the inspection has been performed and approved. US bank also received an additional check from the insurance company to cover the actual recoverable depreciation. I 've been waiting almost 3 weeks for a contractor to come out. US Bank has done nothing to assist me, other than tell me they are escalating the ticket to have an inspector contact me. I 've been told that several times, but have yet to receive a call. All of the conversations with US bank home mortgage have been initiated by me, I have yet to receive a call from anyone even though I 've been told managers and team leaders would call be back to discuss my issue.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 02/15/2017 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint: Equifax is unable to update my personal information such as address, telephone number, and transmit it to XXXX and XXXX. Equifax has been unable to update this information because XXXX and XXXX will not communicate correctly with Equifax. Equifax is unable to fix the Equifax ID Patrol product credit report lock feature. It 's currently not working which would allow for me to lock my credit report. Currently this has been a problem for 8 months and is ongoing. I believe I 'm the victim of Identity Theft and use of my personal and professional information is being used in ill will. There is a feature that Equifax provides as an email to consumer stating that no news is good news dissuading you from checking the internal ID portal, in a way assuring you everything is ok. This is a false status email and I believe is wrong. All prior complaints of change of addresses and phone numbers from my account have been removed, but still have incorrect data published. Equifax is now telling me it 's my responsibility to update the information with XXXX and XXXX. Eliminating the obligation of reporting to the other credit agencies from what I pay for each month.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2016 about Debt collection (Credit card) with JH Portfolio Debt Equities, LLC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: JH Portfolio Debt Equity has reported an account # XXXX that is not mine to my credit report. I requested a debt validation over 60 days ago by mail with no response. I called also and still have not received documents concerning this debt. I disputed it with XXXX and XXXX and all said that JH Portfolio Debt Equity verified to them. I would like debt validation information to be provided to me or them to remove this negative information.

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 07/21/2015 about Bank account or service ((CD) Certificate of deposit) with JPMORGAN CHASE & CO. (LA).
Issue: Account opening, closing, or management

Complaint: In XXXX my mother opened a certificate of deposit with bank one and was to stay in the bank until I was of age in XXXX. And in XXXX ( the same year chase bank bought out XXXX ) my account stopped drawing interest and now chase has no record of my account. I have the orginal certificate of deposit reciet and it 's statements and still they say there is no record in there system and that I need to look at the states unclaimed property and it 's not there so I need help located my money it is a large amount and I want to be able to cash it in it has been XXXX years since I was supposed to be able to cash it.

Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (TX).
Issue: Account opening, closing, or management

Complaint: Today on XXXX/XXXX/XXXX, I went into the chase bank branch located at XXXX XXXX XXXX, XXXX, TX XXXX and I was mistreated by XXXX the branch manager. I was told by Chase Loss Prevention to go into the branch to make my opening deposit and show XXXX forms of ID to the banker. I did this and called the LP department back to remove my online suspension. They said we need a banker to call us while you are at the branch. I go back and follow the LP 's instruction and XXXX the branch manager went into the system and lied and said that she could not identify me which is not true because video will prove otherwise and then she accused me of having an account with them in XXXX which is not true. I even explained to her that I had my credit frozen due to identity theft and she did not care. I told her that the only thing she was suppose to do is have me verify my external account from where my funds were transferred from along with my ID. I did everything I was told but because I am XXXX XXXX she flat out called me a liar and said I will make sure that my team closes out your account today because we do n't need your kind to have an account here. I have never been so embarrassed and treated so unprofessionally in my life. Now the bank is closing my account because of a deceptive practice that XXXX did in the computer system.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2016 about Credit card () with CITIBANK, N.A. (MN).
Issue: Other fee

Complaint: I opened a Macys credit card last fall, made some purchases and never received a bill. I called and they made a XXXX time credit to my account for the late fee and finance charge and I paid the balance in full. I again purchased an item over the holidays with the card and did not receive a bill. To prevent fees my wife called the week before the billing period and paid using the automated phone service. Macys stated the call never happened and again charged me for late fee and finance charges. We looked through bank statements and could not find the payment so this was indeed puzzling. I reviewed my phone records and did find proof of the call so I called Macys back and they did admit a call did occur. The call was 8 minutes in length but an error occurred. I asked for the specific error and they would not share details of the error with me and insisted I pay the now near XXXX dollars in late fees. Mind you all fees at this point are charges from finance charges and late fees. I work in XXXX for XXXX XXXX and have supported dozens of Voice Recognition systems and very familiar with what information is available so why they refuse to share is a problem with me. Every button you select, the time between buttons, the errors encountered. It is a legal record that must be maintained for seven years. I have been billed to date well over XXXX dollars in fees on nothing but fees. No late charges were actually in affect for products purchased. They called me more than a dozen times to get me to pay the XXXX in fees I felt I did not owe. I tried on several occasions to get this resolved and most often they would put me on hold and the disconnect after 10 minutes or so. When I tried to understand why I was not getting statements it was discovered they had the wrong billing city listed. After several calls daily from Macys collections I tried to get this resolved but finally buckled and was forced to pay almost XXXX dollars in fees on a finance charge. I paid the charges and closed the account. This occurred last month and since my address has been corrected I received a billing statement this week. The process has started all over with a {$2.00} fee being charged. If I do not pay this {$2.00} I will get yet another {$37.00} late fee. I 'm not sure what type of scheme they are running but to date the card has cost me over {$100.00} in so called Fees. They add {$2.00} monthly and if you do n't pay it turns to {$37.00} a month over and over and over. How can this be a legal practice? What is the mysterious {$2.00} fee that rolls into a {$37.00} late charge? Is this practice legal? How can I get my {$96.00} that I paid to protect my credit? A service fee that turns to a late charge compounding into a late charge due to a bad address? I closed my account but am still getting Fees. How can I get off of the cycle here? HELP

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 monetary relief
Consumer complaint received 10/29/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I ask for proof of a sign contact with portfolio recovery but never received one by law they must show me proof

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: Analyzed credit report onXX/XX/XXXX and noticed that an unknown collector, XXXX XXXX XXXX XXXX XXXX had a derogatory tradeline posted on my report in the amount of {$1200.00}. In XX/XX/XXXX, requested validation of the debt and copy of the active bond required by the state of Texas under the XXXX XXXX XXXX. Unfortuately, I did not receive this information. After reviewing the database from the Texas Secretary of State Office, it appears that XXXX. XXXX XXXX XXXX are in violation of the Bond Requirement stipulated under Section 392.101. It states that XXXX a ) A third-party debt collector or credit bureau may not engage in debt collection unless the third-party debt collector or credit bureau has obtained a surety bond issued by a surety company authorized to do business in this state as prescribed by this section. A copy of the bon must be filed with the secretary of state. ( b ) The bond must be in favor of : ( 1 ) any person who is damaged by a violation of this chapter ; and ( 2 ) this state for the benefit of any person who is damaged by a violation of this chapter. ( c ) The bond must be in the amount of {$10000.00}. XXXX XXXX XXXX XXXX XXXX has not had an ACTIVE bond in this state for quite some time and illegally trying to collect on a debt that has not been validated. According to Texas Finance Code Sec 392.101 ( b ) ( 1 ) ( 2 ), I have been greatly damaged financially by the reporting of this alleged debt that this organization can not collect legally. The bureau is not in compliance with XXXX XXXX since XXXX XXXX XXXX XXXX was not legally able to collect on the alleged debt, in fact, to even report it to the bureau. I request that this tradeline be removed from my credit report since it is illegally posted and damaging my credit standing.

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 08-11-2016 about Debt collection (Auto) with Dwight Financial, Inc. (CA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Debt collector using the name XXXX XXXX from XXXX Ca, called from XXXX stating he was an investigator and my name had been mentioned in an investigation. He left a case number and that I needed to contact his ASAP. When I called it turned out to be a debt collection on my motorcycle which I am currently 2 payments behind. I told him I would call the company, he then called and left this same message on my sons cell phone with my wife 's name. I am the only signer on this loan according to the law he should not be making calls to third parties. I still have the message he sent to my step son 's phone number while he was at work. That call caused a lot of stress for my stepson while he was at work. I called the gentleman back and verbally requested that he not make any additional calls to any third party. He stated that he had not made any calls to any third party. I also requested his fax or address so I could send a formal letter requesting that he make no more calls to third parties. At this time he hung up on me.

Company response to consumer: Closed with explanation