milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/23/2017 about Debt collection (Medical) with Midwest Recovery Systems (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am in receipt of my credit report dated XX/XX/2017 attempting to collect a debt from me. I am for certain that I do not owe your company any money. I have never done business with you. In fact, i had never heard of your company until having received my credit report. What I find strange is your attempt to collect the debt with me when I do n't owe you any money in the first place! Please see this notice as me disputing this alleged debt with your company as well as requesting debt validation. Send me legal supporting documents bearing that I 've done some type of business with you, hence owing you money. Also the State of Florida requires any collection agency to be licensed and bonded to collect in the state of Florida and your company is in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: Three months ago I disputed bankruptcy and lien information that is listed on my credit report, XXXX  listed it as being verified but did not provided actual validation from the verified source. Effectively as of XXXX XXXX, the new consumer bill that propose changes to credit reporting and scoring. There are specific information that is required to determined the accuracy of what is being reported. After reaching out to the XXXX County Clerk of Record in my county regarding the information that is on my credit report and the process of how it is verified is by public inspection during working hours. No special provisions are made for reporting agencies. I would like concrete proof that these liens and bankruptcies are indeed accounts of mine, and promptly remove if not.

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 01-05-2016 about Credit card () with SYNCHRONY FINANCIAL (KS).
Issue: Credit determination

Complaint: Upon applying online for a XXXX Card through Synchrony Bank, I was asked for personally identifying information through what appears to be a XXXX Party Service/Credit Report Service. XXXX of the questions asked about my current property and asked for the date associated with it. None of the dates were even close - not even in the same year - and the only other answer was that I am not associated with this property, which is also incorrect. As there was no correct answer, I failed the identity test and was denied credit. I have a XXXX FICO score and have never been denied credit before in my life. 

I have called XXXX XXXX and Synchrony Bank. I have been transferred to numerous people, none of whom could help or even understand what I was talking about. I was transferred to the credit department and treated like I was a deadbeat. I have asked for a number at Corporate that could figure out who this Third Party provider is with the incorrect information. I have lodged a customer complaint that I do not expect to go anywhere. 

I have checked my credit card reports and the information about my mortgage shows the correct date - XXXX 2010. I also check my credit union and it too is correct. 

It is absolutely unacceptable for Synchrony Bank ... or any other financial institution ... to be using information to determine identity or credit worthiness without the proper support procedures put in place if such information is wrong. My credit report has been damaged due to denied credit and no one is taking any kind of accountability to assist in getting this erroneous information corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/29/2016 about Debt collection (Non-federal student loan) with MERCANTILE ADJUSTMENT BUREAU, LLC (NY).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: Good morning, On XXXX XXXX I spoke with a representative by the name of XXXX XXXX at Mercantile Adjustment Bureau regarding an outstanding balance with XXXX, I requested to pay the prinicipal balance and for all interest to be removed. XXXX was very nasty stated they will only remove half and if I do n't pay it it will continue to affect my credit, at that time I requested EXPLICITLY to not be contacted at this number, he said ok then hung up. On XXXX XXXX I received a call after I put in a DNC from XXXX XXXX at MAB, when picking up the phone I advised him that he is in violation of the request, he said he understood and asked if I wanted information regarding my account or no. He stated the same offer he gave me the day prior, still unwilling to work with me, and also in violation of my DNC request I advised XXXX that I can not accept the offer and that AGAIN I do not wish to receive calls as previously requested and that I may have to contact an attorney, XXXX said " whatever '' then hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Someone has been using my credit information and are applying for credit cards.

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 04/21/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit Systems International, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: i have tried a number of times to request for debt validation and I have yet to see something that validates this is my debt

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I had a mortgage with XXXX XXXX (account XXXX) that was foreclosed.  The mortgage had been passed to several other sources including XXXX XXXX XXXX (account XXXX).  The first delinquency prior to charge off was prior to XX/2011.  But it has been passed around so many times that each company updates the date of last activity to when they got it.  These accounts are OUTSIDE FEDERAL OBSOLESCENCE. and need to be removed.  I have disputed them with the three credit bureaus and they have remained.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft. Heres the police report case number # : XXXX from XXXX County Sheriffs Office. The following accounts and hard inquiries are fraudulent and unauthorized : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Credit Card, XXXX XXXX XXXX, XXXX XXXX. The accounts are not mine and dont belong to me. The Collection account XXXX XXXX is fraudulent. I been receiving harassing and threatening phone calls of death threats, threats of arrest and being put in prison, profane language from XXXX Representatives for a debt thats fraudulent and dont belong to me. XXXX XXXX XXXX is in violation of The Fair Debt Collection Practices Act ( FDCPA ). XXXX, XXXX and Trans Union previously deleted the XXXX XXXX XXXX account from my credit report as fraudulent a few months ago.

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 06/25/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: We filed for Bankruptcy in 2009 and our case was discharged as planned. However Experian has been has continued to report the XXXX credit card info that has been discharged. I 've gone back to the bankruptcy lawyer that assisted us in the bankruptcy but we have not gotten resolution. We would like XXXX XXXX stopped reporting to my credit report per our bankruptcy. Last reporting date was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Past Due : XXXX Days : XXXX : DEBT INCLUDED IN OR DISCHARGED THRU BK XXXX : ACCOUNT DELINQUENT 180 DAYS PAST DUE DATETXXXX : BANKRUPTCY CHAPTER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Days : XXXX Days : XXXX Days : XXXX, XXXX, XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/26/2015 about Debt collection (I do not know) with EMPIRE MEDIATION SERVICES LLC (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have been repeatedly contacted by a company called Empire Mediation Services, but only refer to themselves as EMS. Their initial call was to tell me that I had taken out a payday loan in XXXX XXXX that I did not pay back. I asked who the creditor of this loan is and was told XXXX XXXX. When I asked what city and state this company is located in I was told that they do n't know. I asked how this loan was taken out and was told online. After telling the company that I did not take out a loan they told me if I did n't do something today they would sue me. I was told that the creditor had direct deposited {$300.00} into my bank account in XXXX XXXX. I indicated to the company that I never had a loan like this and they have the wrong person. I was then told that they hoped I enjoy getting court papers and being sued. I indicated that I do want to go to court with them so this can be cleared up. I have had numerous calls from this company with the same debt. I have been told that they will be filing charges with the court for defrauding a financial institution and writing a bad check. I asked them to please move forward with this process as I want to go to court with them. I have been given different dates that I supposedly took out this loan, with their staff switching between dates in one phone call.I have been told on one occasion that when the creditor had tried to cash my check they found that my account was closed with my bank. When I said that I have had the same account for over a decade, the reason for the check not clearing was non sufficient funds. I asked what the date was for this and received yet another date. I have not received the verification of the debt and creditor as requested. I have also yet to receive any court documents or notice of a lawsuit being filed against me as I was told would happen. I have looked into this type of scam with the Michigan Attorney General 's office and feel that this company is perpetrating a fraud against me with the intent of getting money from me that I do not owe. I have also pulled copies of all of my bank statements from 2 years prior to the earliest date this company claimed and 2 years after the latest date this company claimed. There are no deposits from any loan company or any direct deposits other than my own paychecks or verified agencies such as the IRS. There are also no incidents of NSF in this time period as claimed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2015 about Consumer Loan (Installment loan) with CITIBANK, N.A. (FL).
Issue: Problems when you are unable to pay

Complaint: I made a small purchase XX/XX/XXXX under Best Buy 's " 18 months free interest '' terms on my CitiCard administered account, with the intention of paying the account down to {$0.00} prior to the end of the grace period, as I had done on XXXX previous occasions. 

In keeping with the spirit CitiBank has demonstrated with its customers, which has led to the multiple complaints against them with your agency, they did not honor the terms of the Best Buy free interest offer. When I was delayed in making a payment due to unemployment, they imposed criminally usurious penalties on my account. Please see the handwritten notes on the attached statements of my attempts to resolve the matter in a fair, and legal, way. XXXX XXXX XXXX, XXXX ; XXXX XXXX, XXXX ; undated ; XXXX. XXXX, XXXX. ) These were all rejected. 

I refuse to pay the ridiculous penalties imposed by CitiCard, which now add up to over 500 % of the actual principle balance due. For this they, and/or the collections agencies to whom they have sold my loan, have placed monthly negative notes with the Credit agencies, severely damaging my credit rating.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Wrong names and initials, wrong address listed, accounts listed not mine some over seven years, wrong employers listed. Accounts I do currently hold not listed. Current employer not listed.

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 05/20/2016 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Central Financial Control has contacted me about XXXX debts that I do not owe. When I called the licensing department of XXXX the woman I spoke with said the address I gave her ( XXXX XXXX XXXX XXXX, XXXX XXXX ) was not pulling up a license in her system. Regardless of their response to my dispute, they are not legally bonded at the address they continue to use to contact me 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 04-05-2018 about Debt collection (I do not know) with ERC (IL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: A company called enhance recovery continues to remove a debt they can not verify from my credit and keep adding it as a new collection, which is re-aging the account. Before I take legal action I will try to resolve it here.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Mortgage (Conventional home mortgage) with Caliber Home Loans, Inc. (NY).
Issue: Closing on a mortgage

Complaint: I believe my home was paid off after XXXX XXXX when ny husband died. No more statements and a broker search found no open mortgages. 2 /3 years later Get statements from Caliber Home Loans, never heard of them and XXXX XXXX served with papers for foreclosure. I wrote NYS DFS and contacted Caliber and Caliber did not have me on for any foreclosure bur I was getting papers from XXXX For XXXX. The week of XXXX my former attorney ( friend in community ) emails me Notice of Sale docs filed with no date but I had a XXXX done Title Analysis which suggests Fraud and said I have case and neither Caliber or XXXX or XXXX are listed anywhere. It lists XXXX XXXX XXXX which is paid off satisfied. It also states {$120000.00} from a closing in XXXX that we were told was an error and looks like it was filed and attached to our refinance. I need to halt court actions while we can prove false, fraudulent documents.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (NY).
Issue: Struggling to pay mortgage

Complaint: On XX/XX/XXXX I retired from my XXXX job after 26 years due to medical problems ( extreme stress at work ). I got behind in my mortgage payments and tried to catch up, to no avail. Last month ( XX/XX/XXXX ) my mortgage company sent me a letter saying that if I did n't catch up on my payments, they would foreclose on my house. I tried to work with the with XXXX on a loan modification but it was denied. At the recommendation of my mortgage company, I filed an appeal which was denied this past week. Before it was even denied I received one of those packets with pictures of my house and surrounding properties and sale prices of houses like it from the company. In my opinion, my mortgage company never planned on approving my modification or appeal.

Company response to consumer: Closed with explanation
Consumer complaint received 02/29/2016 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My mother took my son XXXX XXXX on XXXX XXXX 2013 and provided XXXX XXXX Hospital with his Medicaid XXXX card member id # XXXX. The hospital was paid but the dr 's office XXXX XXXX was not and never received any bills from them. I had this account removed from my credit report last year because per Florida Medicaid law when a recipient has Medicaid and provide the hospital with their insurance card they are not liable for any hospital bills from the visit. Per Medicaid they can send the bill for payment

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2016 about Mortgage (Conventional fixed mortgage) with Better Mortgage, Inc. (CA).
Issue: Application, originator, mortgage broker

Complaint: I applied for a mortgage refi. They sent a pre-approval letter. i was an afternoon sending them the multitude of documents they require only to get an e-mail saying the loan is denied. One of the reasons for the denial was what they claim was too low a credit score. They use some bargain basement credit company in XXXX XXXX called XXXX. XXXX said my credit score was XXXX, i checked my credit score with XXXX and XXXX and it was XXXX and XXXX. It might have been higher but for the hard lit caused by XXXX. They also claimed my loan to equity ratio was too low, the loan was {$240000.00} and the house is probably worth over {$380000.00} with the improvements. Curiously, they wanted my to grant them access to my bank acct, maybe this is just an elaborate scam.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2015 about Mortgage (Other mortgage) with Nationwide Biweekly Administration, Inc. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: This complaint is again Nationwide Bi Weekly Administration, IncThis company debited my bank account for my XXXX House payment and never sent the payment to my lender putting me XXXX house payment behind and owing a late fee. Additionally they debited my bank for my XXXX House payment which is due today, XXXX. My lendor has not received XXXX. The XXXX debits total XXXX I have been unable to reach Nationwide via phone, or email. Have called all XXXX of their phone numbers. Any help in resolving this quickly is most appreciated as I do not have the money to pay my house payments.

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 12/18/2015 about Mortgage (Conventional fixed mortgage) with AMERISAVE MORTGAGE CORPORATION (CA).
Issue: Application, originator, mortgage broker

Complaint: Amerisave quoted me for a refinance of my home loan and took an application online. I enter my info and found out later that the rate the lender quoted me was not for an investment property. I asked the Lender to cancel my application at that time and refund my appraisal fee and they refused to do this. I have filled a dispute with XXXX XXXX and wish to have my appraisal fee refunded ASAP. The rep I was dealing with was XXXX XXXX XXXX XXXX is also investigating this claim and Amerisave has still yet to refund my appraisal fee.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2016 about Consumer Loan (Vehicle loan) with Westlake Services, LLC (FL).
Issue: Managing the loan or lease

Complaint: bought used XXXX truck at local sales outlet in XXXX 2016 with trade and cash. Received new loan from Westlake Financial ( XXXX ). Given 1st payment date due ( about 30 days out ), amount and payment address from dealer. Had to call Westlake for account number. No bill/statement sent thru USPS. Set up payment by check with my banks online account. Payment delivered 5 days before due date ( verified ). Received call from Westlake on day after due date claiming late payment. I had to waste time researching check number for them. Check was finally cashed about a week later. Now it 's been another month and I paid early again thru a different online bank account. Same result. Westlake calls 3 times same day insisting on payment. Check number was harder to research here and when I attempt to phone Westlake back all calls are dropped before reaching an agent. Over two months have passed and still no bill or statement via USPS. I have repeatedly verified my address every time they have called. These people have completely soured this truck trade with headaches/wasted time and I 've only made two payments. Is this a legitimate company? I made a large down payment and the value is well above the loan amount. Could they possibly repo my truck by claiming I have n't paid when they seem to loose every check I send?

Company response to consumer: Closed with explanation