milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/24/2016 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: i have a medical debt that went to collections, because I was not notified, the original creditor ( XXXX hospital ) recalled the debt and reassigned it to another another company where it was paid in full. central financial control is reporting in error on my credit report. they do not own the debt and will not remove 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 01/22/2018 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: After multiple disputes with XXXX XXXX XXXX, with every dispute coming back as a valid debt, I contacted Capital one directly. 1 dispute with capital one discovered that it was a fraudulent account. Attached is a copy of capital one 's letter date XX/XX/XXXX that says this debt is fraud. I also attached a copy of XXXX XXXX letter dated XX/XX/XXXX that says it a valid debt. 

Please remove from my credit files now. XXXX XXXX has refused to provided me with a copy of the original credit application and the drivers license on file, when I requested it. XXXX XXXX  has violated my rights as a consumer, by refusing to send me the information I requested. They also have violated my rights by not properly investigating if the account was fraudulent. 

Please remove now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/16/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: This is not my debt. This is identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Jomax, LLC (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Credit Bureau : XXXX XXXX : Jomax RecoveryThis is a collection that was opened in my name on XXXX/XXXX/2015 that was not authorized by me. I do not find it to be legal to open an account using my social security number to collect a debt. Furthermore this debt should not exist AT ALL. This appears to be a bond that was purchased in the event a bill was not able to be paid. If that were to occur, the bond would cover the bill. The original company appears to be XXXX XXXX XXXX XXXX which is showing on my XXXX credit report. I do not believe the debt collection is valid if the original creditor is attempting to collect on the same debt. Just because Jomax Recovery may have purchased my information does not give them the right to open an account in my name which is now reflecting on my credit report. I need LEGAL proof that they are representing the debt in which they are attempting to collect. Even still, it is also not legal for XXXX companies to collect on the same debt at the same time.

Company response to consumer: Untimely response
Consumer complaint received 08-12-2017 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Struggling to pay mortgage

Complaint: I was XXXX and spent several months in XXXX which prevented me from making payments or calling the mortgage company asking for any type of loss mitigation assistance. Due to the missed payments, a sale date was scheduled for XXXX XXXX, XXXX. I was released on XXXX XXXX, XXXX and immediately put the property under purchase contract as a standard sale, it is a cash offer. We submitted the purchase agreement to the mortgage holder on XXXX XXXX, XXXX. Documents were confirmed received on Friday, XXXX XXXX, XXXX. I was told that the property would need to be sold and paid in full BEFORE the sale date ( that is only 7 days ). I explained that my buyers have a 7 day inspection period and still need to pull title to ensure no other liens are on the property. This unreasonable time frame will not allow for any of that to be done. We then requested reinstatement and payoff figures, we were told they needed to be ordered and would take 3 business days before the figures would be available. This means they would not be available until the day before the actual sale. I asked how they expected me to reinstate the loan if I did n't have the figures. I was told we should have called in sooner. We called on 3 separate occasions and were told the same thing all 3 times. I am the only one listed on my loan, I was not in a position to make phone calls and stay talking on the line for hours trying to get this worked out. Once I was released, I made every effort to rectify the loan. There is over {$100000.00} in equity in my property and now, the mortgage company is trying to profit off of it. All I am asking for is a postponement of sale in order to complete the sale. Nationstar will not help me with this but instead are moving forward with the sale.

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TIDEWATER FINANCE COMPANY, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I had a load with XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX VA XXXX. Phone # XXXX I was in a car accident on XXXX/XXXX/XXXX reported this to Tidewater. I have XXXX insurance, which totaled the car on XXXX/XXXX/XXXX and Tidewater agreed to accept the payoff amount from XXXX, due to remaining balance they will file a claim with Gap. XXXX Claim # XXXX On XXXX/XXXX/XXXX XXXX letter indicated payment to lienholder will be XXXX and the remaining balance of {$2700.00} will be paid by XXXX XXXX, Tidewater, ( which the insurance department with tidewater email indicating that will be the next steps ). I received a statement from Tidewater, dated XXXX/XXXX/XXXX requesting a payment from me in the amount of {$1400.00} and late fees in the amount of {$23.00} after the agreement with state farm and gap is currently taking place. I called Tidewater they are still expecting payment from me after they have agreed to the payoff from XXXX and will file the claim with Gap for the remaining balance. In addition, they continue to report late payments to the all three agency after they agreed to the payoff amount. I 'm requesting my credit report be corrected and a letter sent to me from Tidewater indicating this issue was resolved, so I may show this letter to other finance company when I apply for a new loan. The action of Tidewater is hurting my credit score after they agreed to closeout the loan. Tidewater still continues to collect money from me, XXXX and Gap for a loan that was totaled by the insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2015 about Credit card () with WELLS FARGO & COMPANY (TN).
Issue: Billing disputes

Complaint: Wells Fargo Financial National Bank prefunded a vendor XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX, in XXXX, Tennessee ZIP Code XXXX, telephone number of XXXX ) before the work had been completed and Wells Fargo Financial National Bank has been billing me for the balance which I have been paying monthly. I have requested Wells Fargo Financial National Bank to delay billing, but they have refused to delay billing or adjust payment due date stating the problem is between the vendor and me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I was trying to tell Equifax online I have a XXXX balance on a loan. Gave them my correct personal information, and they refused to get me into my records to update the info. I tried three times, received the same inefficiency. This is NOT acceptable for a public agency that handles consumer 's important data. I did not have this trouble with XXXX or XXXX. Equifax needs to improve immediately, or get out of the business.

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2015 about Mortgage (FHA mortgage) with Caliber Home Loans, Inc. (GA).
Issue: Application, originator, mortgage broker

Complaint: Beginning the house buying process we were pre-approved with this lender. After finding a property and having our offer accepted, our lender, we thought, started the paperwork. During the month between the offer and closing, our loan consultant changed jobs XXXX times. Being our first home, we did n't know what to expect and our agent assured us consultants change jobs a lot. Our consultant did n't ask for much documentation after gathering the essentials in the beginning. Our appraisal was done late, on our part. Our consultant assured us she would get everything rushed. The day after the proposed closing date, the consultant started to ask for more income and credit based documents. She also was no longer reachable by phone, our agent could n't even get in touch with her. After submitting income-verifying documents, she attempted a Rapid Re-score to get the credit score from a XXXX to a XXXX. In the process she actually lowered the score to a XXXX! She also then blamed the drop on something else. At the end of being completely frustrated we saw the XXXX inquires she put on our credit. We inquired with her first company, to see if they could straighten out the mess. She then informs us, by email, that they might could help us. So she basically figured she could stall the process and in the meantime our credit score would go up the XXXX points. All the while not keeping us up to date and being illusive.

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: This account with XXXX XXXX supposed to show closed on Equifax and still show transferred. I want Equifax t fix this issue immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2015 about Consumer Loan (Vehicle loan) with AMERICAN HONDA FINANCE CORP (GA).
Issue: Taking out the loan or lease

Complaint: I bought a XXXX Honda Accord on Sunday, XXXX XXXX, 2015 from Honda XXXX in XXXX, Georgia. I signed a contract stating that I was financing {$12000.00} at 0.9 % APR. I logged into my account at hondafinancialservices.com on XXXX XXXX, 2015 to make a my first payment ( they were delayed in sending my statement for an undisclosed reason ), and noticed that I was being charged a higher amount. My payoff amount was noted at {$12000.00}. I worked through the amortization, and calculated that if they the contract were funded at time of purchase, and Honda was charging me continuously compounded interest for 31 days, the maximum payoff amount can be is {$12000.00} ( rounded up ). 

They are therefore either charging me an undisclosed fee, or an interest rate higher than what I signed at. I specifically and verbally negotiated with the salesman ( XXXX XXXX ; this is the name on my documentation. I believe this is wrong ) and business manager ( XXXX XXXX XXXX that I will not be charged any kind of fee ( except interest ) for financing the vehicle through Honda Financial Services ( I have this conversation recorded on my mobile phone ). 

I will be happy to provide all documentation, spreadsheets, screenshots, and recorded conversations necessary in order to resolve this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (PA).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: My loans through XXXX were deferred as I am a current student, when navient took over they began to bill me and affected my credit. When I called I was forced to begin paying on my loans which I can not afford since I 'm still a full-time student. My payments to navient cause me to fall behind on my other bills.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Dear consumer Finance, My name is XXXX XXXX XXXX I recently, obtained a copy of my TransUnion Credit Report for 2018. I notice on my credit report that, XXXX / XXXX had stated that, the court house verified my bankruptcy at the court house. So, I wrote to the court house to confirm the information about the " verification '' made by XXXX / XXXX statement on my Trans Union Report., See attached Documents A week later, I received a letter responding back to me saying this -- " Please be advised that the U.S. Bankruptcy Court is not responsible for verifying or validating information from consumers ' credit files ''.

The letter, also went on to say -- " As indicated on the Court 's website, the Court receives many telephone calls about bankruptcies unfairly appearing on consumer credit reports. The Court does not report bankruptcies to the credit bureaus and does not get involved in disputes regarding credit reports. The Fair Credit Reporting Act ( 15 U.S.C. 1681 ) is the law that controls credit reporting. '' I then sent a certified letter to ALL the credit reporting bureaus, XXXX XXXX, XXXX and XXXX a copy of the letter from the court house to show them  the evidence -- that the courts, do not verify information for credit reporting companies. 

I asked the each credit bureau to " remove the information - that is untrue " they are reporting on my social security number. I also so told them -- by law the Federal Law they are in violation of the Fair Credit Reporting Act - Section 623 ( a ) ( 3 ).

I have written to asked them to remove the fraudulently information from ALL my Credit Reports.

Please assist me in correcting the information on ALL my credit reports, XXXX XXXX, XXXX and XXXX. 

Sincerely, XXXX XXXX XXXX XXXX, See Attached documents.

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 02-07-2018 about Debt collection (Other debt) with Diversified Consultants, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This credit reporting error has been removed from my credit report previously. The issue has now resurfaced and has been added back to my credit report. It is against the guidelines outlined in the FCRA for companies to remove invalid accounts and reage/ readd to their liking. This error needs to be removed from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MS).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I have been keeping a close eye on my credit report because I have been a victim of fraud. Experian is very aware of this information yet the do not seem to care or want to help me fix this issue. I have disputed my personal information on multiple occasions and it seems like they just keep adding it back or adding more wrong info to my credit file. This has happened so many times now that I am no longer able to dispute my personal information online and when I call the member service number they still do not want to help get my information correct. I want all personal information removed from my credit report other than my name - XXXX XXXX XXXX, my address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, and employer XXXX. There should be nothing else under my personal info at all. Please delete all other information & do not add it back. I have sent Experian letters, proof of my drivers license, my social security card, & my XXXX bill and they still insist on not deleting this wrong information. Delete " ALSO KNOWN AS '' and " PREVIOUS ADDRESS '' I have sent you proof that has been notarized. Abide by the law & remove all other information. I have also disputed a new inquiry found on my credit report that appeared on XX/XX/2018 from XXXX. This is an unauthorized inquiry. Please remove ASAP.

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 02-05-2017 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Account below has been previously removed from credit report and has been reinserted. 
This time they have put fraudulent payments on report to reinsert it. They add a few numbers to the original account number and call it new. I have had trouble with XXXX falsely reporting account information in the past. 
Account was negative/closed in XXXX. Also account shows it was sold to XXXX so they do not have right to reinsert it. Filed dispute several times and experian will not let me dispute it again. 

Account name XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... 
Recent balance {$0.00} as of XXXX/XXXX/XXXX Status Closed. {$660.00} written off. 
Date opened 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 non-monetary relief
Consumer complaint received 11/30/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (PA).
Issue: Loan modification,collection,foreclosure

Complaint: I applied for a loan modification through my mortgage company, to avoid foreclosure. The Mortgage company denied my request. The reason is because they can not verify that I live in my home. I have sent proof that I live in my home as well as my pay stubs showing that I have the required amount of {$300.00} left over, after expenses are subtracted, including my mortgage payment. I have submitted a written Appeal, on XX/XX/2016, along with proof of occupancy and pay stubs.

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 01/16/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Deposits and withdrawals

Complaint: Back after XXXX/XXXX/XXXX ( XXXX ) I had received an email that I thought it was amazon.com where it looked legit saying that they wanted my name, credit card information and my social security number. Then on XXXX/XXXX/XXXX at exactly XXXX., I had received a fraud alert from Chase Bank saying that there was {$21.00} taken out at a computer software store. So the bank has blocked my credit card for security purposes. Chase Bank had disputed for unauthorized purchases that was not made from me. XXXX of the unauthorized purchases was from XXXX for the amounts of {$20.00} and {$3.00} that was made on XXXX/XXXX/XXXX. XXXX was from XXXX at a computer software store ( unkown merchant and location ) for the amount of {$21.00} that was made on XXXX/XXXX/XXXX ( {$100.00} in total ). Chase Bank had put the unauthorized transactions back into my account where the merchant also put {$56.00} back in my account. Then on XXXX/XXXX/XXXX, Chase Bank " supposedly '' written on emails. Unfortunately, I had a hard time logging on their website which was not there " normal '' Chase Bank website, but there " claims department '' website. Without any warning and and hardly no communication between the merchant, the bank and myself, Chase Bank had the audacity to reverse the credit of the amount of {$56.00} out of my bank account on XXXX/XXXX/XXXX which almost put me in the hole and in the red. I had tried to dispute the bank due to lack of communication within the merchant as well as the bank. So now Chase Bank had penalize me for their mistake for not pinpointing the " mistake '' from the beginning. This was not the Merchant 's falt, but the Chase Bank 's falt and NOT including myself.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04-09-2017 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: The was a loan on my account from XXXX that has incorrect terms that was never verified by Equifax, therefore the account was deleted from my credit file. However, it was re-added without any notice, justification, or how the investigation was completed. XXXX was to submit documents on XX/XX/XXXX to the credit agency to update my file of when the account should be removed. XXXX has n't honored the new terms from XXXX that are attached. My file has n't been updated to show accurate information about my credit history. I am requesting my credit file be updated to show the correct information or deleted in regards outlined in the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2016 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (GA).
Issue: Account opening, closing, or management

Complaint: Dear Consumer Financial Protection, Approximately around two months ago, I opened a checking account with SunTrust Bank in XXXX, GA. After shopping around, I decided to go with SunTrust as they had a good reputation and I like the products they offered. I opened a checking account and decided to get the SunTrust XXXX XXXX Debit Card. I was told that as long as I have deposits of at least {$2000.00} per month, I would not see any monthly services fees. I noticed fees in the past couple months from SunTrust. XXXX was a {$75.00} fee and the other was {$25.00} each. After questioning the bank, I had the {$25.00} fee refunded and was explained that the {$75.00} fee was a XXXX time fee for the XXXX Debit Card. A couple weeks later, I noticed another {$25.00} fee and when I went to the bank to question it, I was told that this was a maintenance fee because I have Signature Advantage Account which requires a daily balance of {$25000.00}. I was then informed that the Select Checking was the account that I should have gotten where the fees were waived for having the the {$2000.00} deposits per month. I was informed I would loose my XXXX Debit Card if I switched. I believe this to be unfair as I was n't told about these fees and the reason I chose SunTrust to begin with was the XXXX feature. I ask that the CFPB please advocate on my behalf so that SunTrust and I can come to an reasonable agreement.

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