milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/28/2017 about Debt collection (Medical debt) with Grant & Weber (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: This is regarding a medical account with XXXX XXXX XXXX that was handed over to collections XX/XX/XXXX. The following collection agency has placed information on my credit reports GRANT & WEBER XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I found out about it when I checked my credit. I remember I was taken to the emergency room of XXXX XXXX XXXX in California because I was hit by a car while walking on the cross walk in the rain one night when the green light for me to walk was on. The driver of the car did n't see me. I was lucky I suffered XXXX XXXX XXXX only. I 've been on XXXX ( XXXX XXXX  XXXX ) the last several years, before that incident, and I had/have coverage and gave XXXX XXXX XXXX my health insurance info which is XXXX and XXXX. I thought this matter was resolved because I remember in XX/XX/XXXX I talked with XXXX XXXX as they wanted me to pay the bill. I told them to bill my insurance. They told me they were billing me because I did n't provide them the insurance number of the guy who hit me with his car. I told them that 's ridiculous! How would I have the insurance info of some person I 've never met who hit me with his car? Also my only source of income was XXXX XXXX XXXX and the medical bill amount was close to the total amount I was receiving from The Social Security Administration in a year. The way the call ended I understood XXXX XXXX XXXX XXXX was just going to write off the amount if they were n't going to bill my insurances as I had no way to pay such a debt and XXXX is exempt from court judgments and collection attempts. I checked my credit this year XX/XX/XXXX and found that collection account on my credit report. I wrote Grant & Weber and told them I have XXXX and XXXXXXXX and XXXX XXXX XXXX should have billed those insurances but they refused. I also stated it 's unfair to stick a person who receives XXXX payments with a bill more than their yearly allotment from the Social Security Administration.  Why should I be stuck with an expensive medical bill after I was hit by a car when the insurances I have cover emergency room visits? 

I also saw my regular physician last month, XX/XX/XXXX, at XXXX XXXX and they accepted XXXX and XXXX as covering payments for my doctor checkup. 

This is unfairly damaging my credit report. There is no way I can pay this off. I was obeying the law and walking on the cross walk when the green light for pedestrians was on and I was hit by a car. My insurances cover emergency room visits. XXXX XXXX XXXX continues to bill my insurances to cover current medical expenses. XXXX XXXX XXXX refused to use my insurances to pay the medical bills and that 's their choice not mine. This collection account needs to be removed from my credit reports as it is seriously damaging my credit unfairly.

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 10-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: hippa, cra inaccurate information violates my cra rights

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I had a loan with XXXX for my 30 year mortgage. It was sold last month to Chase mortgage. Ok, no problem but I was paying half in advance to reduce my total interest through the life of the loan. Chase says they do n't do that. Now I 'm being penalized as a consumer for no fault of my own. Should n't I have the same loan I had previous? Also earlier I had the loan with XXXX and they sold it to XXXX with the same loan payment schedule as well.

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2017 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: Account information incorrect

Complaint: My personal information has been used XXXX I found 18 Hard Inquire In one year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XXXX TransUnion hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was not aware that this was happening until recently I have a XXXX XXXX account from XXXX XXXX for {$2200.00} that I 'm working on trying to get off my credit as we speak I did a father account did a police report TransUnion game medical XXXX XXXX XXXX {$310.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$85.00} XXXX XXXX I 'm just now at XXXX trying to get my credit together together and and I also would have some to update my personal information some addresses if you can just give me a call at XXXX XXXX XXXX XXXX XXXX birthday 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 non-monetary relief
Consumer complaint received 06-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: I can not get my credit report from equifax

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with FIFTH THIRD FINANCIAL CORPORATION (MI).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Fifth Third Mortgage company is still reporting on my credit report that the mortgage was included in bankruptcy in XX/XX/XXXX. However I sold the home in XX/XX/XXXX and the loan was paid in full. I have a paid off letter from Fifth Third Mortgage however Fifth Third Mortgage is refusing to update my credit report. I continued to lay the mortgage and the loan was paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2018 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: Account information incorrect

Complaint: RE : DELETIONS TO CREDIT REPORT Dear XXXX, TransUnion, XXXX  : I received a copy of my credit report and am disputing some items that need to be deleted. I have highlighted and numbered these disputed items on the attached copy. The reasons why these items should be deleted are indicated below : Account # Reason for Deletion : XXXX XXXX- XXXX  Incorrect Original Amount of Debt Incorrect Payment History-Account was paid on XX/XX/XXXX. Not reflecting on any of my three credit reports.

Incorrect Date Open on the Account- All Three Credit Reports State that that Account was opened in XX/XX/XXXX which is Incorrect Two Different Original Amount 's Owed On The Account. All Three Credit Reports Is Inconsistent With Original Creditor XXXX XXXX XXXX Account. All Three Credit Reports Stated The Amount Is {$220.00}. But Original Creditor XXXX XXXX States {$210.00}.

I AM ENCLOSING PROOF FROM ORIGINAL CREDITOR " XXXX XXXX '' According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation.

Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report.

If you have any questions or need additional information, please contact me at address noted below.

Thank you.

Sincerely,

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 02/23/2018 about Mortgage (Reverse mortgage) with CIT BANK, NATIONAL ASSOCIATION (MD).
Issue: Trouble during payment process

Complaint: Based on my research, I have experience a difficulties and mis communication in regards to taxes and insurance which I was directly to pay accordantly and on time, which I have been paying the taxes and insurance on time in timely fashion. However I have been sick prior toXX/XX/XXXX. I'm not late on my taxes and insurance. 

I was previously offer a modification with a servicer who I have a reverse mortgage currently with. I according to my research, I was told that If I'm in reverse mortgage I shouldn't be offer a modification, because servicer pays the mortgage. I'm responsible for only paying the taxes and insurance which is update. 
I have paid the servicer {$30000.00} by certified checks and nothing has been applied to my account and still want me to pay additional {$15000.00} which is in question, If not I would be put into foreclosure. There are several ultra violation and RESPA / Truth n Lending /Preditory lending practice/Dodd Frank Act.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (GA).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: XX/XX/XXXX a creditor served somebody at my address and as a result there was a default judgment was issued. I have been trying to get verification of the debt because I think my ex-husband open this card in my name I tried to settle the debt and they would not give me the information in writing. XXXX they issued a garnishment against me and they did not call me to try and settle and XX/XX/XXXX they issued a garnishment against me and they did not call me to try and settle the debt or send me a letter. The first time I tried to settle that with them and did n't hear back I did n't pursue it because I had XXXX and I was in XXXX for several months and my daughter also had a baby.

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2015 about Student loan (Non-federal student loan) with AES/PHEAA (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I took out a private student loan in XXXX/XXXX/XXXX. The principal amount was {$26000.00}. I made a few payments and then I made a large principal payment of {$18000.00}. I did n't hear back or receive a payment due notice until XXXX. The phone call said I was past due. This did n't appear on my credit report as being late, or behind. The customer service person said I owed interest and was behind. This was confusing to me, and it did n't make sense. I 've been making payments since XXXX. However, the loan is all interest and nothing is going towards principal. I 've asked for explanations, but they keep telling me I owe interest and the amount keeps rising, although the interest rate has gone down, I 'm still only paying interest and no principal. On top of that they keep telling me they do n't have my social security number even though I have given it several times. I want to know how the interest on this loan got behind. My address and contact information was the same since XXXX until XXXX. My mail was forwarding to my new address since then. Yet they have me paying interest only now for two years. Please advise how to get an explanation about this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2015 about Credit card () with JPMORGAN CHASE & CO. (NY).
Issue: Rewards

Complaint: I am filing a complaint regarding the XXXX XXXX Credit Card that is issued by Chase Bank. The XXXX Credit Card offers a 1 % cash rebate that is earned on all purchases ( except for purchases from non-XXXX gasoline sellers XXXX. The rebate is credited to the account by reducing the cost of subsequent XXXX gasoline purchases using the credit card. However, XXXX gasoline stations do n't exist any more. XXXX gasoline was sold to XXXX several months ago and the XXXX Credit Card rebates expire after XXXX year from the time that they are earned. Therefore, there is n't any way for me to collect my XXXX Credit Card rebates as the accrued rebates expire over time. I have bought this issue to the attention of Chase Bank on XXXX XXXX, 2015. XXXX credit card account supervisor at Chase Bank claimed that the rebates that appear on the XXXX statement only will be carried over to another credit card ( the Chase Freedom Credit Card ) but that the rebates that expired from XXXX 2015 will not be carried forward. ( Earlier that same day, another Chase Bank account supervisor told me that no rebates will be carried forward. ) I suspect that there many XXXX of other customers that have the same problem.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-10-2016 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Received fraudulent inquiry on credit report from XXXX. Equifax investigated and provided the following result ( they wo n't remove it even though it is fraudulent, it is affecting my credit score, and I have called XXXX twice and they say there is nothing in there records regarding a credit inquiry for my SS or my name ) XXXX We have reviewed the inquiry information for XXXX XXXX. The results are : Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. If you have additional questions about this item please contact : XXXX Na, XXXX XXXX XXXX, XXXX XXXX, SD XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with EOS Holdings, Inc. (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Here we are in XXXX and XXXX XXXX is STILL trying to collect a debt that was never meant to be a DEBT. 

First, I had an account with them from XXXX XXXX XXXX. When we moved XXXX miles down the road, XXXX told me ( in a chat log attached ), that although they HAVE DSL at XXXX, it was " capped '' off meaning, they did n't want to be bothered and it 's complete XXXX. 

So, after investigating, the contract was never signed by me or my wife for the account thus rendering the contract null and void. 

Secondly, the collection agency, EOS/CCA tried to make me feel guilty by telling me, " Well, you got the service and you should pay for it ... you would n't got out to dinner, eat and walk away from the bill would you? '' The collector, XXXX XXXX although very nice, is completely stupid. I never GOT service at my new address, thus, XXXX was UNABLE to fulfill their part of our agreement, thus, I found a faster and better service with WAVE Broadband. XXXX download, no kidding! 

So, I called XXXX again today and found out that the fee for the " special '' we had deducted when I signed up, were ADDED back to my account on XXXX XXXX XXXX 3 months AFTER my account was closed. 

They said, " well, since you cancelled the contract, you do n't get the great deal and now you MUST PAY!!! '' XXXX. 

I got service, and DID PAY while I had it. I SHOULD NOT be penalized for something they could NOT provide. That is NOT my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2017 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Bank of America refuses to make requested corrections to errors made during the loss mitigation process. Upon receipt of my request for mortgage assistance XXXX in XXXX XXXX, Bank of America has done everything to separate me from my home, including taking more than ninety days to conduct an initial review for loss mitigation options and programs and failing to inform me in writing of approval for modification assistance. The intentional misrepresentation as to eligibility and approval of mortgage assistance and documents related to mortgage assistance programs is fraudulent. 

Bank of America has confirmed receipt of my XXXX XXXX XXXX and I have informed Bank of America no additional installment payments will be made. I have informed Bank of America of my claim of ownership of this property by virtue of adverse possession multiple times and have received no opposition to this claim to date. To date, I continue to occupy the property openly as the sole owner. 

The XXXX Requirements for adverse possession on a mortgaged piece of real property are as follows : a ) A claim of adverse possession of real property secured by a mortgage or Deed of Trust may be had upon notifying the mortgagee or their representative when any violation of law during loss mitigation resulting from a request for mortgage assistance XXXX and ; 1 ) The loss mitigation process has been pending beyond ninety ( 90 ) days without a Trial Payment Plan ( TPP ) in place in accordance with the XXXX Act or other agreed upon workout assistance, or ; 2 ) Upon delinquency, where no Notice of Default has been recorded within ninety ( 90 ) days. 

All previously mentioned resolutions for the injury and harm caused are desired and mandatory, including, but not limited to, credit reporting repair and corrections, all state and federal tax liability satisfied on any monetary settlement, all statutory, exemplary, and punitive damages, plus an addtional ten percent, mesne profits ( to include sold at auction amount, rents received, all mortgage values of both principal and interest associated with the subject property ), and an immediate reimbursement of all amounts applied and assessed to the mortgage account at a compounded daily interest rate of ten percent via cashier 's check not drawn on Bank of America or any of their affiates, or on a bank that does not conduct business within the state of California. Not only must Bank of America pay me back, Bank of America must also repay the tax payers all amounts associated with this account. This includes, but is not limited to, XXXX XXXX, XXXX funds since XXXX. 

I did not default on Bank of America XXXX Bank of America defaulted on 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 explanation
Consumer complaint received 02/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: This company has completely ignored my dispute to delete addresses that are not mine. I have disputed this for the past 9 months with no results.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I 've been challenging the incorrect and incomplete items on my credit report withExperian for quite some time with minimum success. I 've sent out countless letters to them certified return receipt to only get responses like " New Information Below '' or " Suspicious Activity ''. As per section 609 ( c ) ( 2 ) ( E ) and 611 ( a ) ( 1 ) ( A ) all data furnishers are required to produce the original signed documentation when challenged to solidify the accuracy and completeness of the alleged debt. Experian has failed to do so on many occasions.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-09-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NV).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I had to take time off from school for a XXXX. The process started in XX/XX/XXXX and the operation was XX/XX/XXXX. I contacted my loan provider and they stated that if I did an IDR that I would have a yr. to heal and get back into school because I had no income. Furthermore, they stated that my husbands income was not a factor because I was responsible for the loans. The application was accepted ; however, I have to pay XXXX per month due to my husbands income. I called Navient back and they told me I had to do an unemployment deferment, which means I have to apply and actively seek a job. this will give me a 6 month deferment. XXXX ; I 'm looking at at least 4 months XXXX before a job is even a possibility. In addition, my husband is on XXXX and looking at XXXX as his Dr. had taken him off work indefinitely for an injury. His student loan company has deferred him until XX/XX/XXXX because he is not making enough to pay his loans.

Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with WELLS FARGO & COMPANY (PA).
Issue: Money was not available when promised

Complaint: I put in a hardship withdrawal request with Wells Fargo to withdraw much needed funds, XX/XX/2017 to consolidate debt and pay past due rent owed to my landlord to avoid eviction, to try and refinance my vehicle, and fix my credit issues. The bank was supposed to send me the paperwork with 2 to 3 business days, it took 10 days to receive the paperwork, i filled out all of the paperwork and submitted the necessary documents and I was told it would take 5 to 7 business days to process and receive a check, i called after 2 weeks wondering why i had not received the funds only to find out that it was direct deposited to a closed account at my bank ( XXXX XXXX ) XXXX XXXX is now holding the funds for 15 days pending a good funds approval. with all of the long drawn out processes, my vehicle has now been reposessed with threat of sale at auction, and i am now being threatened with eviction, Neither Wells Fargo or XXXX XXXX will give me exact answers as to when i will receive my money It is now XX/XX/2017 and i still do not have my money.

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