milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/30/2017 about Debt collection (Medical debt) with TENET HEALTHCARE CORPORATION (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: XXXX/XXXX/XXXX I sent certified letters to Central Financial Control ( California and Texas office ) to validate the alleged debt showing on my credit report. Per tracking information of the date Central Financial control received my letters- they did not respond to me within the time frame required by law, as I did not receive correspondence from them until XXXX XXXX, XXXX. I also advised I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. This company stated they did not need my authorization and they did not violate any 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 08-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I wrote to Capital One on XXXX XXXX concerning chargeoff showing on my credit report. I asked them to prove that this account was mine. They never responded so I sent them another letter on XXXX XXXX. They never responded to this letter either and just stonewalled me. They have a responsibility to prove the reporting or delete it.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Debt collection (Medical debt) with Integrity Solution Services, Inc. (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Integrity solution service 's license to collect a debt expired in XXXX and they have been reporting on my credit report inaccurately since XX/XX/XXXX of last year on my XXXX report

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 03/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: Dear Transunion LLC, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed a fraudulent inquiry had been made on XX/XX/XXXX. 
I contacted XXXX XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXX they could not verify that the information was being reported. 
I request that you initiate a reinvestigation into XXXX XXXX XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized the inquiry. If, once your reinvestigation is complete, you find my allegation to be true, please remove the fraudulent inquiry. DO NOT CONTACT ME VIA US MAIL. CEASE AND DECIST FROM COMMUNICATING WITH ME VIA US MAIL.

Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT.

If you find the inquiry referenced above to be valid, PLEASE RESPOND ONLY VIA THE CFPB PORTAL with a description of the procedures used in your reinvestigation for THIS SPECIFIC INQUIRY within 15 business days of the completion of the reinvestigation. Thank you for your assistance in this matter.

Very Respectfully, 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 11-03-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Using a debit or ATM card

Complaint: I lost my bank card, and someone deposited XXXX stolen checks into the account in one day totaling more than 5000 dollars, then took out as much as they could before the card was put on hold ( around 1400 dollars ). The bank did a fraud check and found no fraud was committed. I went to the bank and asked what their decision was based on, and they said that it was because nobody else had my pin, I ask them for copies of the checks that were deposited and XXXX of them where not endoresd and the one that was, was no where near my signature. So i asked them to check the film and see who made these transactions, so they asked me to send them my florida photo id, which i did, then they made the same determination as before without looking at the film ... .someone stole my card and did this without any acknowledgement from me, and now they are saying that I owe them over 1400 dollars.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have filed multiple disputes with TransUnion in regards to my XXXX home loan. It reports that I was late twice once for 30 and once for 120. It was a balloon loan where only the one payment could be reported as late It should be updated to one payment late of 120. They do not seem to review the dispute or the backup provided. I am requesting that this be rectified.

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 03-08-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Application, originator, mortgage broker

Complaint: I filed a complaint regarding Wells Fargo Home Mortgage a few weeks ago under Case # XXXX. Wells Fargo requested more time to investigate the matter. 
This on Monday XX/XX/XXXX a letter ( See Attached File ) from Wells Fargo was sent to me and it was back dated to XX/XX/XXXX. And it was sent to my previous address out of state. In the letter Wells Fargo states it regarding my previous application for home financing and not about current home and its a notice they should have sent XX/XX/XXXX. It 's the Notice of Action Taken and Statement of Reasons. They are stating I should have received this disclosure during that time but I did n't. This letter was for a previous property that I was trying to buy but the deal did n't happen due to a difficult seller. So we moved on to buying the new property which Wells Fargo holds my current mortgage. 
I believe once I made the complaint under Case # XXXX, Wells Fargo is trying to cover there tracks by back dating this letter and not trying to investigate my complaint properly.

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 08-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with FIDELITY CAPITAL HOLDINGS, INC (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: Unverified Accounts : I have recently received a copy of my credit report from all 3 bureaus and found a number of inaccuracies pertaining to the accounts listed below. I have contacted said bureaus to dispute these reports requesting, specifically the SIGNED contracts that they have on file with these companies. Not ONE company returned any signed contracts as requested because I DO NOT HAVE CONTRACTS with any of the companies. I have not received goods or services from ANY of the listed companies and yet they continue to report erroneous accounts to the credit bureaus simply stating that they have verified the account without any signed contract. FCRA Under Section 611 ( a ) ( 5 ) ( A ) ( 1 ) States " ALL 3 credit reporting agencies must have ORGINAL signed paperwork in their physical possession before they can report it to you credit file. '' These entries on my credit report are in direction violation of this section as well as FCRA 15 U.S.C Section 1681i : states " All unverified accounts must be promptly deleted from a consumers credit report ''. Yet these accounts still remain without the bureaus requiring the signed contracts as requested.
It was requested that these accounts be deleted if said signed documents were not produced. Original request was last sent to all three credit bureaus on XXXX XXXX, 2017. The creditors listed on my reports are as follows : XXXX XXXX XXXX No account # listed Bal {$270.00} Fidelity Credit Acct # XXXX Bal {$2900.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2016 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (AL).
Issue: Settlement process and costs

Complaint: We entered into a home modification loan with Nationstar Mortgage LLC. Their address is XXXX XXXX XXXX XXXX, XXXX, Tx XXXX. The company is giving us contradictory information concerning our mortgage agreement as far as monthly payments, overdue amounts, one person in the company I spoke with said we are 60 days delinquent and we are not then another person I spoke with said he was not sure and that I would have to contact him next week. We sent in our final paperwork which they said they received but there were several items in that paperwork that was different from the original agreement so my wife and I noted several items we did not agree with and signed the documents and sent them in. The person I spoke with said that since we had stated that we did not agree with some items in the contract that it would have to be reviewed. We are not delinquent on our payments during the 4 month probationary period they had us under, they sent us a letter confirming that we had successfully completed our 4 month agreement but they told me those letters were automatically generated by their computer and basically did not mean anything. We do not want to lose our home through some administrative mix up on there part and I had to check myself out of the hospital against my doctors advice to attempt to take care of this matter. I have a XXXX XXXX that the doctors have said could be XXXX but I can not go back to the hospital with this hanging over our heads. My wife is XXXX years old and on XXXX and has been trying unsuccessfully to resolve this on her own, I am also unable to work because of various ailments and a recent automobile accident where a commercial vehicle pulled out in front of me and I XXXX the other vehicle which totaled my car, it was the other drivers fault, I am also XXXX years old.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (GA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Midland Funding LLC keeps reporting on a debt thats 8 yrs old and threatens to take me to court to sue me for that debt. The statue of limitations has passed, I 've disputed the debt, it was removed and then they reported it again and now it 's back on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (ME).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: I used the federal government 's website to check my credit report using TransUnion and as I had not recently gotten my credit score I purchased what appeared to be a one time credit score. Now my credit card is being charged a recurring charge for credit protection. It did not appear that I was signing up for credit protection, nor did I want credit protection. It was never my intention to sign up for a recurring service and it was not clear at all that I was signing up for such a service.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-09-2016 about Student loan (Non-federal student loan) with DISCOVER BANK (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I 've been repaying my private student loans regularly since graduating about 10 years ago -- first to XXXX, now to Discover. I 've been signed up for auto-debit for a much of that time. This May, my auto-debit payments stopped. I noticed this last month XXXX XXXX XXXX and called Discover. Turns out my account was placed into forbearance, which I did not request. The stated reason for the forbearance was a " headquarter account clean up. '' During the forbearance period, my balance increased ( interest accrued ) and at a higher rate ( 3.25 %, up from 2.75 %, which reflects the auto-debit discount ). The customer service rep was very nice, but could n't tell me anything more about my account was in forbearance. He promised to restore the difference between the interest rates, but could not say when ( the administrative forbearance period is undetermined ). Meantime, Discover is charging me interest on a higher balance than they should be, and at a higher rate -- all because it stopped accepting my auto-debits. Could this be a scam? Seems that administrative forbearance is a profit-maker for Discover ( higher rate of interest on a higher balance ). Would appreciate it if you could look into this.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Debt collection (Medical debt) with EQUIFAX, INC. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: This debt was already paid and I have contacted equifax and told them that I have paid this debt five to six years ago. I also contacted the company which stated this should not be on my credit but equifax refuses to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2017 about Payday loan, title loan, or personal loan (Payday loan) with Tribal Lending Enterprise, Inc. (NJ).
Issue: Charged fees or interest you didn't expect

Complaint: I was contacted by XXXX XXXX XXXX and they claimed that I visit their site. The man said I was approved for a loan. I said ok and XXXX was deposited he did n't advise me that they would be charging fees or I would have never agreed! As of today they withdrew {$1300.00} from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XX/XX/2007, my name was listed second on a loan with XXXX to allow my former spouse to purchase her vehicle under the XXXX Employee Program. After numerous late payments by HER, it was sold and the proceeds above the loan balance were refunded to her. Despite the fact that I made NONE of the late payments, no " repossession '' was done from me, and I did not receive any of the sale profits, TRANSUNION refuses to delete this account from my file.

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 05-11-2017 about Mortgage (Home equity loan or line of credit (HELOC)) with JPMORGAN CHASE & CO. (OK).
Issue: Trouble during payment process

Complaint: I inadvertently  made two payments on my home equity loan. This was my fault, not theirs. What is fraudulent on Chase is  the way my funds were applied. On  XXXX , an automatic payment of {$420.00} was pulled with interest applied of {$220.00} and {$200.00} applied to principal. This I do n't have an issue with.     On  XXXX   XXXX ,   XXXX  , my banks bill pay sent an electronic payment of {$500.00}, again this was my error, no t Chase or my bank. What is wrong is that of the {$500.00} payment, Chase applied  only {$290.00} to principal and another {$200.00} to interest! Interest owed was at most {$21.00}, not {$200.00}! In addition, they are billing me another {$230.00} for  XXXX .     This is just flat wrong!

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with QUICKEN LOANS, INC. (OK).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On two different occasions, XXXX XXXX, XXXX, and XXXX XXXX, XXXX, Quicken Loans initiated unauthorized credit inquires. These were associated with unsolicited phone calls they made to me attempting to get me to renegotiate my existing mortgage with Quicken. I did not authorize their credit inquiries, and now fear I was a victim of " churning '' by quicken loans. I have subsequently discovered that these inquiries are affecting my " credit score ''. I received a third call from Quicken on or about XXXX XXXX, again they were attempting to revise my mortgage. This again, was an unsolicited call. Although I informed the caller I had not solicited them to call me they persisted in attempting to execute the transaction by suddenly transferring me to a " loan officer '' whom attempted to discuss my loan. At this time I terminated the call.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NM).
Issue: Problem with fraud alerts or security freezes

Complaint: My Siblings and Parents Companies have ' XXXX XXXX Dollars with XXXX XXXX XXXX which, In turn Pays an Experien Representative that ' works in 'poor ' decision making.. As, I Could not. understand the Continued Fees I pay to the Credit Bureau, Bank , Creditor and Insurance Company in a Continuing Identity Theft, Fraud, and Scamming. Potentially, the Personal Theft in a Made Cause could be. Hundreds of Thousands of Dollars amongst ' all the Credit Bureaus. XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, 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 02/25/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: The credit bureau are reporting XXXX fraudulent collections where my identity was stolen. I have my police report and I am sending in the documentation

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2015 about Credit card () with SYNCHRONY FINANCIAL (IN).
Issue: Credit line increase/decrease

Complaint: The lender obtained a new credit report and score for me, without my express permission, and used that new information to judge and lower my credit limit with them removing all of the available credit I had on my card even though I have never had a missed or late payment with them during the XXXX years that I 've had their credit card. Their action changed my credit utilization on that card from about 60 % to over 99 % causing an adverse effect to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2015 about Debt collection (Medical) with First Federal Credit Control (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Billing service for one of my doctors applied a {$20.00} credit from XXXX/XXXX/XXXX to a {$35.00} co-payment from XXXX/XXXX/XXXX leaving a balance of {$15.00}. The billing service 's inadequate records did not reveal that the good doctor refunded me the {$20.00} four years ago, therefore leaving no credit for the XXXX/XXXX/XXXX visit for which I paid the full co-pay of {$35.00}. {$35.00} minus {$20.00} leaves {$15.00}. Over a span of over two months, I repeated provided proof of the doctor 's {$20.00} refund and proof of my full co-payment of {$35.00} to both the billing service and the collection agency, First Federal Credit Control ( " FFCC '' ). FFCC tacked on the erroneous {$15.00} balance to my XXXX/XXXX/XXXX service date balance of {$210.00} for a total debt collection of {$220.00}. I paid the doctor the {$210.00} and provided proof of that payment to FFCC. In spite of my best efforts to clear my account, FFCC filed a notice of debt collection with the XXXX credit reporting agencies for the erroneous {$15.00}. After I called FFCC about the posting of debt collection with the XXXX agencies, the " mistake '' was admitted and I received a XXXX/XXXX/XXXX letter stating FFCC requested deletion of the erroneous debt from my credit. Why was it sent in the first place, after repeated attempts to clear the account? This is fraudulent. I also filed a dispute with the reporting agencies.

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 12-01-2015 about Bank account or service (Other bank product/service) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Using a debit or ATM card

Complaint: I was XXXX a new CapitolOne Debit XXXX. It came right thru my mail slot. I called CapitolOne, spent hours being routed to various departments and on hold, trying to get them to turn off the card. They were less than helpful. They would not tell me how the card came to be. My XXXX credit reports are locked, as is my checking profile, so no new cards should ever be issued on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2016 about Credit reporting () with EQUIFAX, INC. (NM).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: A tax lien was placed on my credit reports, but has since been paid in full and released over a year ago. It has been removed from my report by XXXX, but XXXX and Equifax wo n't remove it and tell me to contact the County Clerk. I did and they said it 's the credit bureaus that are keeping it on there, not them and if it were up to them, they 'd remove it because it was paid in full. I contacted the credit bureaus multiple times and they keep saying I need to contact the county clerk. It 's a big run around and I 'm sure they hope I 'll just give up. I wo n't. I want them removed from my report. I paid it off in full and it should be gone. I will take them to court for false reporting if it does n't happen. I 'm giving them a chance to fix it by filing this complaint first.

Company response to consumer: Closed with explanation