milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/15/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Trans Union is not responding to my request to investigate and remove XXXX account from my credit report that does not belong to me and correct XXXX account that is reporting incorrectly.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (TN).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Hi I attended XXXX and my school closed and none of my credits were transferable. I called and called the school and the loan provider and was doing fraudulent affidavits and I have n't got a good response at all. Please help the debt was sold to Fed Loans or XXXX and I 've submitted a complaint before and no response. Please help me. Not to mention that I have XXXX loans reporting on my credit and I did n't take out all the loans

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2016 about Debt collection (Medical) with Paramount Recovery Systems, L.P. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I do not have knowledge of this debt that is attempting to be collected. In violation of FRCA and XXXX laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I HAVE DISPUTED WIT H TRANS UNION OV ER MY CREDIT INQUIRES THESE ARE THE ONES AS FOLLOWS  XXXX   XXXX   XXXX ,   XXXX   XXXX  ,  XXXX   XXXX ,  XXXX   XXXX   XXXX  ,  XXXX ,  XXXX  I DO NOT RECOGNIZE THESE INQUIRES AND  TRANS UNION S TATES THEY VERIFIED THESE INQUIRES AND I KNOW THEY DIDNT BECAUSE THE NUMBERS THAT ARE ASSOCIATED WITH THESE INQUIRES ARE KNOW LONGER IN SERVICES AND THEY WILL NOT SEND VALIDATION LETTERS FOR THESE INQUIRES

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 04-03-2017 about Credit card () with BARCLAYS BANK DELAWARE (CA).
Issue: Other fee

Complaint: I signed up for   XXXX   XXXX   XXXX   XXXX   a few months ago because they waived the {$990.00} annual fee because I 'm currently on  XXXX   XXXX  in the  XXXX   XXXX . On    XXXX   XXXX   XXXX  ,  they sent me the attached letter which states that they will no longer waive the annual fee and that my annual fee is scheduled to be assessed on  XXXX   XXXX ,  XXXX . On  XXXX   XXXX ,  XXXX , I was charged the {$990.00} annual fee. The phone number they provided on the letter was to a voicemail which they said calls would be returned in 2 days. I called their regular customer support number and was able to talk to a representative. She stated that they will review the situation and contact me in the next few weeks.

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 03-04-2016 about Credit reporting () with EQUIFAX, INC. (ME).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Received notice from XXXX XXXX XXXX ( XXXX ) that they had obtained a credit report from Equifax Information Services regarding a request for home owners insurance. Problem, I do not own a home, and according to customer service at XXXX, my credit report is disclosing my home was purchased XX/XX/2015. I am XXXX in live in HUD housing with the XXXX XXXX rental voucher. Equifax is now refusing to provide a copy of my credit report claiming my current address does not match the address of their file. They also are refusing to take proper action in protecting me from possible acts of fraud by allowing others to use my social security number and not allowing my access to items on my credit report or a copy of my credit report. Equifax is also stating they can not send a credit report to me becuase my legal address for two years does not match the address they have within their system. With out the credit report : I can not dispute the inaccurate information that was disclosed by XXXX over the phone and as claimed to be on the credit report. Therefore, without a formal complaint from me disputing the items on my credit report, Equifax has no obligation to conduct an investigation as why others may be using my social security number. Equifax acts provide and enable criminals by protecting them from the true consumers. Equifax has extreme poor customer service when calling by phone and is trying to sell their fraud protection before releasing my credit report for review. I was hung up on four different phone calls when asking for a copy of my report and refusing to pay for the report. I did try getting my credit report on line with the annualcreditreport link and this did work with XXXX and XXXX, yet Equifax sends by electronic message saying Online Delivery Unavailable with a contact phone number and then audio links and customer service sales people try to sell their credit Fraud Protection Services ; be very self serving!

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2018 about Debt collection (Medical debt) with Alorica Inc. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I previously filed a complaint onXX/XX/XXXX with this agency and an OCR complaint due to the company violating HIPPA. This original complaint was filed because on XX/XX/XXXX XXXX XXXX XXXX XXXX sent documentation of financial agreement form from the original creditor, which states a financial agreement between me and the hospital and an itemized billing statement with procedure codes and diagnosis information. After thoroughly reading the financial agreement section, it does not say anything about the hospital sending billing information or PHI to a third-party collector. I have never signed a HIPPA release form that stated they could have my PHI in the form of procedures, procedure codes and ultimately diagnosis information to any person or third-party collection agency. I have also never submitted a HIPPA form to XXXX XXXX XXXX XXXX XXXX  . I asked for validation of the debt, which did not require them to violate HIPPA and does not act as a HIPPA release form.

The company responded that their attorney stated they could have access to procedures and personal health information in order to collect a medical debt under the HIPAA " Treatment, Payment, and Health Care Operations Disclosures ''. Although after looking at this provision myself it does not say that a hospital or doctor 's office may send PHI to a third-party collector only to another covered health care entity or with expressed written permission from the patient. The HHS.gov website states, a covered entity may provide information without patient consent under the following circumstance, " A health care provider may disclose protected health information about an individual as part of a claim for payment to a health plan. '' XXXX XXXX XXXX is not a covered entity or a health plan under the definition of HHS. gov. So they never had permission either from me or through the statue that they claimed in their first response.

After submitting my claim to this agency as well as HHS.gov 's OCR division, I also filed a complaint with the State of Texas, because it seems that Global Receivables is not bonded in the State of Texas as a debt collector according to the Secretary of State 's website.

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 05-09-2017 about Debt collection (Medical debt) with AMCOL Systems, Inc. (NV).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I was attempting to get a loan for a new house, when the lender informed me that my credit had dropped from  XXXX  to below  XXXX  and that I  may  not qualify for the loan. finding that  Amcol  systems collection agency had been sending a medical bill invoice to the wrong address for many months and attempted to call  a 12 year old d isconnected numb er. I have no problem paying the bill and it has been taken care of. However may complaint is that I requested for AMCOL to remove it from my credit report as it was their fault in destroying my credit. " two of their employees told me that do n't do that and I could go pound sand '' This company is rude, and has no respect for someone with great credit, that was destroyed by their company and their lack of professional work ethics. the loan company is reviewing my credit information now and I may be denied a loan for a home of my dreams due to this company refusing to remove a bad debit that was created by a w rong address.

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2017 about Payday loan, title loan, or personal loan (Payday loan) with Green Trust Cash, LLC (PA).
Issue: Struggling to pay your loan

Complaint: Loan originated on XXXX XXXX, 2017 for {$700.00}, loan # XXXX. The payments that have been made thus far : {$140.00} XXXX XXXX, 2017 {$140.00} XXXX XXXX, 2017 {$140.00} XXXX XXXX, 2017 {$140.00} XXXX XXXX, 2017 {$140.00} XXXX XXXX, 2017 {$50.00} XXXX XXXX, 2017 {$140.00} XXXX XXXX, 2017 {$140.00} XXXX XXXX, 2017 Total amount paid {$1000.00} When I sent an email around XXXX/XXXX/2017 requesting to make payment arrangements, I was told that I had several more payments remaining. I personally feel that with the payments I have made to date, this loan should be considered as paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I have filed two letters with XXXX to remove the incorrect information that is on my credit report. The information is regarding a bankruptcy that was filed in XX/XX/XXXX. According to documentation that I have received from the U.S Bankruptcy court in Minnesota dated XX/XX/XXXX, they DO NOT report any information to any of the three credit reporting agencies. My first attempt to clear this up with XXXX was on XX/XX/XXXX and I received a letter in response stating that the information was valid. My second attempt was on XX/XX/XXXX, and I included their response as well stating that I needed to contact the reporting agency. The reporting agency again DOES NOT provide the information as stated above. I have now escalated this issue to your agency in hopes to get this cleared up. I have included all the documentation needed to clears this matter up. I look forward to your help in this matter. Thank you 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 08/14/2017 about Debt collection (Mortgage debt) with BANK OF AMERICA, NATIONAL ASSOCIATION (AL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: The company refuses to enter the account into an active forecloser status and continues to purposely damage my credit. XXXX XXXX personnel informed me time and again that I fall under the SCRA. Two things, I never provided a contract or XXXX informing them of my relation to the military. Two I waived my rights to SCRA no less than three different times. I will attach supporting documents to support my claims. Attached : XX/XX/XXXX - Email requesting foreclosure ( memo with original deed-in-lue paperwork from Bank of America ) XX/XX/XXXX - Email requesting foreclosure ( memo to lawyer ) XX/XX/XXXX- Email requesting foreclosure ( memo ) XX/XX/XXXX - Email requesting foreclosure ( memo ) XX/XX/XXXX - Returned Forms to waive SCRA via FAX. I believe XXXX XXXX is purposely losing documents and shuffling their feet. I am not sure to what end, but I 'm positive this is intentional.

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 05/18/2017 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: Old information reappears or never goes away

Complaint: In  XXXX  I had a fraudulent account appear on my credit from a company named   XXXX   XXXX   XXXX  . I immediately contacted the police and filed an Identity Theft report.  XXXX  Police Report #  XXXX  The account was removed from all  XXXX  bureaus, however the count was reinserted to my Equifax file in  XXXX   XXXX . I was told by  XXXX   ( Equifax Rep ) th at i needed to file a new police report because Equifax only keeps their information for 2 years and that  XXXX   XXXX  issued the account on my credit under a new account number. I filed a new police report and the account was removed.  XXXX  Police Report #  XXXX  Today the account has reappeared on my Equifax credit report for  a 3rd tim e and issued again under a totally different account number than the p revious two tim es!!! This is so frustrating Equifax knows the account is fraudulent and it should be blocked from appearing on my credit. I am also going to file a complaint with the Department of Justice because   XXXX   XXXX   XXXX   XXXX  is playing games .... they keep changing the account number and the month and year the account was supposedly opened in order to place it on my credit. I disputed the account online with Equifax and called once i got on my lunch break and the lady told me i never should have disputed it online if i was going to call in ...  XXXX  she said it is nothing she can do at this time.     Equifax file number  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX has been invaliding reporting and account to credit bureaus for over 7 years ; this is not my account and does not belong to me for the last 7 years I have been in contact with credit bureaus and company to have this negative item removed overtime we speak they update/ renew collection account to remain on file longer. I have filed ID Theft Affavaidt # : XXXX which has been submitted to local police and credit bureaus. This account and all non account holding inquires need to be deleted from reports.

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 01/25/2018 about Debt collection (I do not know) with FIRST NATIONAL BANK OF OMAHA (WI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I went to buy a used truck from a local car dealership to get a better used truck since I had a stable job and had a good credit score ( 9 months prior to XXXX 2015 it was  around 750 ). I had no thoughts that I wouldnt be leaving that day with the same one I had rode in with but thats what happened..the financial guy came out and asked me about some delinquent credit cards on my report to which I had no idea about. Turns out there were 4 fraudulent cards made in my name and I had no idea about any of them. Within the next few days I had my SSN froze, a police report filed at the local police station and at least 20 different disputes over the last few years with multiple credit bureaus/creditors stating that it was identity theft and slander but XXXX XXXX is refusing to remove it. They have made no effort to resolve said issues and I have made more than enough of the effort. All of the other accounts that werent mine have recognized the fraudulent activity and removed the accounts immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-04-2015 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: XX/XX/XXXX Chapter XXXX Bankruptcy petition # XXXX was filed in Hawaii and included creditor XXXX XXXX for an unknown amount ( guessed {$540.00} ). 
XX/XX/XXXX Chapter XXXX Bankruptcy discharged # XXXX including XXXX XXXX debt. 
XX/XX/XXXX - XXXX XXXX has continued to forward discharged debt to collection agencies. This item has been disputed multiple times, both directly with the creditor and through the credit reporting agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/14/2017 about Checking or savings account (Checking account) with BANK OF THE WEST (CA).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: I made a check for {$70.00} to pay   XXXX   on  XXXX   XXXX ,  XXXX . I noticed on  XXXX   XXXX ,  XXXX  the check for {$5700.00} being paid from my account. The check was altered and made  Payable  to  XXXX   XXXX  along with amount of {$5700.00} and not the {$70.00}. I contacted the Bank of the West branch  manager   XXXX   XXXX  about the problem. He said he would handle it.   I was also the victim of another altered check at the same time period from another bank and I was credited for that amount in a couple of weeks. That other check was also altered and Made payable to  XXXX   XXXX  for {$5800.00} and I had made it to the city of long beach for {$500.00}.   I insisted with  XXXX   XXXX  my branch  manager  for months after and said he was checking on it ...  XXXX  of  XXXX  came and he informed me that the bank was not going to credit me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 12/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WAKEFIELD & ASSOCIATES, INC. (SC).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Ive tried several of times to reach out to this company in regards to this inaccurate item being reported to my credit and its causing great damage, emotional stress and financial stress. This item was taken care of with the original creditor by my insurance company, and for whatever reason it was sold to this third party collection agency, when I called to inquire about this item, the agent I spoke with was very rude, and violated my rights as a consumer by not verifying my information nor stating the mini XXXX. At this point I am reaching out to an attorney to file a lawsuit against this company for the damages theyve done to my credit. If we cant work this out outside of court I will be pursuing further.

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 09/21/2015 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (GA).
Issue: Loan servicing, payments, escrow account

Complaint: On XX/XX/XXXX CitiMortgage contacted me regarding a Loan Modification. Citi was already collecting my payment so I agreed. I filled out the package and began the Trial Mortgage Payments which were suppose to be 3 months but ended up being 10 months. 8 months went by then Citi sent me the same Package to be filled out again. 2 months later they denied the modification but took my Trial Payments and never gave me credit to my account. They then stated I owed 10 months worth of full payments plus interest in penalties. Citi then sold my loan to XXXX Mortgage without fixing my loan that they screwed up and XXXX immediately tried to foreclose on my Property. My Property then was apparently sold on the Courthouse steps to XXXX XXXX XXXX which is a part of XXXX but no Bill of Sale exists in XXXX County Court records. Apparently " ASSIGNMENTS W/ ROBO SIGNATURES count as sales nowadays. Long story short, I 've been in & out of court since XX/XX/XXXX fighting these Corporate Crooks on my own because you could n't find an Attorney to take Mortgage Fraud cases in XXXX back then and dealing with there XXXX XXXX XXXX XXXX who have done anything & everything they could whether legal or illegal to STEAL my house. They did illegal listings for the sale of my property on the Courthouse steps ( 26 days ), they have Documents in court with Multiple Attorney Signatures with the same name and more. All I asked for was a Jury Trial but my cases keep getting kicked back to XXXX Court where their was n't a Jury Trial. The XXXX County Court System along with XXXX XXXX XXXX consistently violated my Right to Due Process. I have all the documentation to prove every accusation that I can make. This is Corporate Mortgage Fraud at it 's finest!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-12-2016 about Mortgage (Home equity loan or line of credit) with CITIZENS FINANCIAL GROUP, INC. (PA).
Issue: Loan servicing, payments, escrow account

Complaint: We took a line of credit/mortgage with a swap portion with Citizens Bank for XXXX investment properties in XX/XX/XXXX. The amt applied to principal was to have changed every year in XX/XX/XXXX. The principal amt was never adjusted until we discovered the problem in XX/XX/XXXX. We questioned XXXX and after much harumphing and investigating, they agreed that the amount should have been credited to principal. However, they declared that we then owed them {$5300.00} addition ( tho we had paid every bill they sent ) and deducted it from our account. We protested and they returned the money while not agreeing with us that it was not owed. In XX/XX/XXXX they again failed to adjust the principal amount as they should have. We brought it to their attention again and after much " looking into it '' the situation was resolved and the proper amount was credited as was the principal amount shown on the monthly statement. Again, in XX/XX/XXXX they failed to adjust the mortgage amount to show an increase in the amount credited to principal. We again raised the problem and after some " looking into it '' it has been resolved. However, in every case, the rep to whom we are assigned has been totally surprised by the problem and has required several days to " look into it. '' And the original problem, the fact that they failed to credit the principal properly for 4 years and 4 months still has not been resolved. Citizens is a large bank and this should not happen for years running.

Company response to consumer: Closed with explanation