milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-08-2017 about Debt collection (Medical debt) with Choice Recovery, Inc. (OH).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: On XX/XX/XXXX I had to be taken to the emergency department at our local hospital. After being seen and released with not resolution, I started a dispute with the hospital stating that I had not received proper care. As of XX/XX/XXXX, the case was still under investigation by the patient services at the hospital. It was n't until after the Collection was added to my credit profile that the dispute was resolved. Collection Recovery did not send me any notification of this and they also reported to the credit bureaus ( XX/XX/XXXX ) prior to the XXXX XXXX XXXX XXXX agreement of waiting 180 days before reporting medical debts and prior to the resolution of the original dispute with the hospital. During the dispute with the hospital, I was told that all debt owed for the visit was part of the dispute and that there were no other bills associated with the visit. I did not find out that the hospital had separated the hospital bill from the physicians ' charges until I received an alert from my credit monitoring that Choice Recovery had put a collection on my profile. Immediately after finding out, I called the original creditor listed, XXXX XXXX XXXX and while on the phone with them I paid the {$24.00}. But Choice Recovery reports that I paid them, which is not the truth. I paid XXXX XXXX XXXX while on the phone with their customer service. If they accepted the payment on behalf of Choice Recovery, I should have been told that was the case. Since then insurance has reimbursed me for the expense of paying this out of my pocket. If insurance paid for this, whether prior to their reporting or after, they still should not list it on my credit profiles according to the XXXX XXXX XXXX XXXX agreement. The processed used by Choice Recovery of reporting to the credit bureaus without providing a notice to the consumer is in violation of the Fair Credit Reporting Act as well. A complaint has also been filed with the Ohio XXXX XXXX office and the local BBB agencies. I have called the original creditor, XXXX XXXX XXXX many times and have been told that they have requested to Choice Recovery to remove the entry because they have verified that I wasNOT notified of the debt. However, Choice Recovery is still reporting this to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: With all due respect, I now understand from speaking to "  XXXX  '' with TransUnion on  XXXX / XXXX /  XXXX   at about  XXXX  PM she advised me thatTransUnion validates this information from the  US  Bankruptcy Courts. I ask was she very sure and she assured me that was correct information. I specifically asked if you ( transunion  )  called   XXXX   to validate or verify this info and she said " NO '' this information as either obtained through the Courts itself or through a  XXXX  party provider by the name of  XXXX . Having said that, I reached out to  XXXX  and they advised me that my file there was locked so then I sent a certified letter to the courts and received a letter back stating they DO NOT provide Bankruptcy status ' to the Credit Bureaus, please find the attached document. I would now like to know How was this really verified, whom at your company verified this information, what date this information was VALIDATED, and the steps involved in " VALIDATING '' information from a dispute. I have gotten different answers every time even through the CFPB.     I would like for TransUnion to VALIDATE this as being accurate and provide me all documentation that made this Bankruptcy Mine.     I hereby request a Full Investigation of this and expect to have results within 30 day as this is the time allowed under the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2016 about Debt collection (I do not know) with Financial Credit Service, Inc. (OK).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: i was contacted this morning by ARA Inc over a debt to a company called XXXX XXXX. They stated that the debt fell off my credit report in 2006 but that they had decided to file a lawsuit against me in XXXX XXXX. They then transferred me to their " Legal '' department. The rep there stated that they would be filing on Monday in Oklahoma XXXX and putting liens against my credit cards ( which they listed on the call ) and that they had my bank account information which would have a lien placed as well. They stated that the amount was {$5000.00}. I asked for information about the amount owed and they gave me the name XXXX XXXX. I asked why they were taking me to court when I knew nothing about this debt. They stated that they had sent me a payoff offer in XXXX. I stated that I had never received anything from them. They emailed me the payoff offer and stated that I had to pay today. I told them that I needed to look into it, and they responded that if I did n't pay today, that they were suing me. They then called back 11 minutes later and demanded the payment for payoff. I responded that I looking into it. The reps stated that she was going into a meeting about me and whether or not they were going to proceed with legal action so she needed the payment NOW. I advised that I could not make a payment at that moment. They then called back 47 minutes later, but I did not take the call as I was on a conference call at work.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2017 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have contacted XXXX XXXX and Equifax they are reporting invalid bogus debt that I do not owe. They have the account listed on my credit twice for the same amount and it is not being corrected. The amount is XXXX Equifax nor XXXX XXXX has validated this debt. Equifax just keeps sending me letters staying they verified that the account belongs to me. This is how I know they did not really investigate. If they really had investigated they would see that I never owed a balance and that the business has been permanently closed and no longer in business anymore. No one can validate this debt. They are telling me that it is legal to report an item twice that I do not even owe. Please investigate these XXXX companies you can find out for yourself the company has been closed for sometime and not in business and that I never owed them a dime. This is causing me great stress. I understand Equifax gets paid to report negative information but it is not ok when honest people being forced to fight something they do not even owe I am just asking that someone please investigate and fix this situation please.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2018 about Debt collection (Auto debt) with EXETER FINANCE CORP. (PA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: XXXX XXXX XXXX never mailed me anything to this account all I ever received was from a letter from Exeter Finance saying it was been transferred to XXXX XXXX XXXX. 
XXXX XXXX XXXX never contacted me nor mailed a letter by law. I did not even have the right to dispute the debt that is on my credit report. 

Exeter Finance bought this account back from XXXX XXXX XXXX This account does not belong to XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2015 about Money transfers (International money transfer) with JPMORGAN CHASE & CO. (AZ).
Issue: Fraud or scam

Complaint: Claim number XXXX XXXX XXXX XXXX XXXX This complaint has been sent to you many times and last time on XXXX/XXXX/2015 XXXX XXXX but is still ignored! 

You have from me many documents which are proof that people from XXXX XXXX are cheaters and you as bank are doing bad job in XXXX cases with : 1. XXXX ( XXXX. XXXX XXXX - XXXX ( XXXX XXXX. 
You promised me that you will resolve XXXX cases within 30 days, but you lie to me. Now is 2 and you did nothing. I try to resolve it but they play with me. 
Now attached are document which I sent you few times already, but are new proofs that they lie and cheating me. 

You sent me documents with note that you do not discriminate me, but I have other filing. I sent you complain in this case that one of your baker called to your " specialist '' and he refuse to help me. 
Your work in these cases is also far from your duty. You should read my letters carefully. In next complains you will have proofs of discrimination. 
I want you to immediately withdrawal {$2000.00} from XXXX cheaters and send me the money back on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2018 about Debt collection (Medical debt) with Medical Data Systems, Inc. (NC).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have checked my credit report for the 1st time in years in preparation to build my credit since I did n't have and accounts or credit cards. I found that there were several collections from the same company with the same dates. I have not had any mail correspondence with the company in question. I am not certain that this debt belongs to me since I have never seen any information about it.

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 05-04-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (OR).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: I purchased    XXXX    phones directly from  XXXX  online, which uses Synchrony Bank for financing transactions. During the checkout process, I selected the option for 0 % financing from   Synchrony, and filled out the application.
When I did not receive the usual verification text on my cellphone, I followed exactly the instructions on the website and clicked submit.
The result was that a decision could not be made at that moment. Since I was aware of the missing verification text, I called both Synchrony   and  XXXX  directly, and the Synchrony phone staff who assisted me got approval for the purchase. A verification number was mailed instead of texted.     When I received the approved card account mailing, there was no charge for the phones. When I attempted to contact  XXXX  about my order, I was advised there was no order retained by the system!     Most seriously, the promised promotional rate of 0 % is not available for my order, which has harmed me financially. I asked that this problem be remedied repeatedly, and I was assured it would be. However nothing has been done to set things right, despite repeated efforts to have this issue resolved.     Business license # : Synchrony Bank did not provide!     official company name : Synchrony Bank  XXXX   XXXX  mailing address as given by Synchrony staff : Synchrony Bank  XXXX    XXXX   XXXX     XXXX    XXXX   XXXX   XXXX , OH  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 explanation
Consumer complaint received 08/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I sent them three 609 letters disputing ask them to remove the bankruptcies and liens off my report ... I also sent a letter asking how they verify account informantion they said through the bankruptcy court Or XXXX XXXX. I have a freeze and my records suppressed with XXXX XXXX ... the bankruptcy courts said they do n't verify bankruptcies

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 11-06-2015 about Credit card () with BARCLAYS BANK DELAWARE (TN).
Issue: Billing disputes

Complaint: Barclaycard # XXXXcharged me a {$1000.00} as a transfer from another card that had a XXXX balance. Barclay refused to call the new company to correct this error. I made the call to the previous company and was able to obtain a check for {$1000.00}. Barclay rep told me in XXXX that once the funds were received they would credit the card {$30.00} free plus any more fees/chargesAs of today, they have not and refuse to correct their error. Today the balance is $ XXXXXXXXBalance {$56.00}, {$37.00} late fee, interest {$1.00}. 
All I want is to have the charges reversed and corrected from my credit report

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 02-09-2018 about Debt collection (Credit card debt) with EQUIFAX, INC. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: CRA VIOLATION XXXX XXXX XXXX  ACCOUNT BEEN DELETED AND PUT BACK IN / NO KNOWLEDGE OF THE ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Re : Account Number To whom it may concern : I am in receipt of your companies letter informing me you are handling the collection of the account mentioned above. However, after reviewing my records i am unable to find any documentations of any contractual relationship between name of company and myself which makes you a person in title to enforce a commercial claim against me. This letter is not a request for verification or validation. This is a request for proof of contract to substantiate your claim. Provide me with a certified copy of an original contract with my signature specifically naming your company as a person entitled to enforce a commercial claim against me. Certification can be done through the presence of a notary public who doolie swears the copy made is in fact a copy of the original paper contract in question. Failure to respond and provide strict proof of contract will constitute your tactic agreement that you name of president and name of company are not entitled to force a claim against me. In the event you continue your collection without any proof of contract, i will file a complaint with The Attorney General and Federal Trade Commission and File a police report against you for harassment and invasion of privacy. You have 30 days to provide strict proof of contract. In the event you can not provide strict proof of contract you must cease and dismissed any collection efforts and immediately remove any derogatory information reporting to the consumer reporting agency. If you transfer this account to an attorney without providing proof of contract, he will be immediately reported to the state bar association and professional liability found for code of ethics violations. I have attached a letter in the file section along with photos of the inaccurate accounts that you have been reporting for many years and up to date. I will be following up within the next couple days to week to solve this matter immediately. 

Sincerely 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 explanation
Consumer complaint received 05-08-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (HI).
Issue: Loan servicing, payments, escrow account

Complaint: STATUTE OF LIMITATIONS The last payment we made to Wells Fargo was on XXXX/XXXX/XXXX. Payments/adjustments made to the account after this date were made by Wells Fargo. Hawaii has a six-year statute of limitations. It will expire on XXXX/XXXX/XXXX. This will bring to an end any possible and all legal/ foreclosure proceedings. 
Please confirm that the mortgage/ loan # XXXX has been withdrawn.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (DC).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I had XXXX IBR payments completed when I lost my job. Navient put me into unemployment deferment. I just heard on XXXX that this was the wrong thing for them to do - that I should be in IBR with an income of {$0.00} so it counts for my 25 years, and that you are suing them for doing this to students. I would like to add my name to the suit or whatever I need to do in order to benefit from the lawsuit, since this will add months to my IBR loan repayment.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2016 about Student loan (Federal student loan servicing) with Account Control Technology, Inc. (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: On XXXX/XXXX/2016 have been in a hardship situation I spoke to several representatives at ACT ( Account Control Technology ) The rep did not offer me any options outside of a Debt Consolidation for my Defaulted student Loans with the Dept of Education. I am currently unable to pay a High ( {$530.00} for 3 months ) amount that is being charged by this third party collection agency company to resolve my balance and come out of default. I have a complaint that violated 805 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) because the message disclosed the existence of a debt to a third party. I had a message left on a voice to someone who was not me. ACT misinformed me about how to get a federal student loan out of default. ACT lie to or mislead me about the ability to get a federal student loan out of default. A federal student loan is considered to be in " default '' if the borrower goes 270 days without making a payment. Once the loan is in default, a 25 % collection fee may be tacked on. A borrower may also be able to get the loans out of default by consolidating into a single loan. ACT adviced me that there 's nothing they can do to get the loan out of default, and did n't tell me about all of their options, which violate the FDCPA.

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 08-01-2016 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (NJ).
Issue: Account opening, closing, or management

Complaint: I have an account with Citizens Bank. I received a service fee charge on XXXX/XXXX/16. I submitted an email to Citizens to see why I was charged a fee of XXXX and to find out why I was never notified by email or mail why I was charged this fee.I never received a response back as to what the fee was except that if I wish to close out the account I must submit a request. Today I received a notice in the mail stating I still have not satisfied the fee charge which caused my account to go negative. I decided let me check my account to see if I received a response, to no surprise no email and another service charge for XXXX. My account is now negative XXXX due to service fees that I have not been legally notified about nor have any knowledge what they are for. Below I pasted what shows on my account. 
XXXX/XXXX/16 Service Charge - {$9.00} - {$13.00} XXXX/XXXX/16 Service Charge - {$9.00} - {$3.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: My information was compromised, someone applied for multiple credit but none of the application were approved as I had an alert on my SS #. Although they were unable to open any accounts the inquiries still show up on my credit reports. I have attempted several times within the last year and a half to dispute and have an investigation done but I have never gotten a response. The latest dispute was submitted  XX/XX/2017    and still I have no response.

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2017 about Mortgage (Conventional fixed mortgage) with PLANET HOME LENDING, LLC (GA).
Issue: Loan modification,collection,foreclosure

Complaint: PLANET HOME LENDING IS ATTEMPTING TO FORECLOSURE ON MY PROPERTY XX/XX/XXXX WITH AN ASSIGNMENTS THAT ROBO SIGNED. MY SECURITY DEED WAS RECORD WITH XXXX in XXXX.There is a gap in the chain of title.The assignments were created after the Corporations were dissolved. XXXX, and XXXX both signed as Vice President on the assignment dated XX/XX/XXXX both of them are well known robo signers, and the assignment that is recorded XX/XX/XXXX is also fraudulent with XXXX transferring alleged ownership to Planet Home Lending. Fraud is clearly present in the recording of the ownership.

Company response to consumer: Closed