milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/17/2017 about Debt collection (Medical debt) with Phoenix Financial Services LLC (VA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I was admitted to the emergency room back in XX/XX/XXXX and was treated for an illness and was released. I was sent a bill for the charges later on, however, due to my financial status the fees were waived after submission of my tax return, as I qualified for a waiver due to my income level. 
However, I was contacted by an individual, claiming that I owed {$490.00}, and was rudely instructed to make a payment before XXXX to receive a 30 % discount. When I explained that, it was waived due to my financial status at the time and I was told that physicians bills does not fall into the charity category, which I believe was a rude remark, when I never visited such a physician rather went directly to the emergency. I was never informed of such a debt for the past XXXX years and was never contacted by any physician 's office or the hospital for any claims.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (TX).
Issue: Trouble during payment process

Complaint: I am enrolled in a " Bi-w eekly Advantage Plan '' mor tgage payment program with  XXXX   XXXX . It is administered with  XXXX   XXXX  agency a member of  XXXX   XXXX . I had trouble with them last year because they were using the wrong account number. I managed to get that resolved after repeated phone calls and hours on the phone. They would tell me they would be contacting me but never did. I had to call repeatedly to get results.     I am having issues with them now because my mortgage company,  DItech, has not  received the  XXXX  payment in the amount of {$1300.00}. Ditech said they are going to report it to the credit bureau.  XXXX  let me know my payment was late around the middle of  XXXX . I called  XXXX  on  XXXX   XXXX  and they (  XXXX   ) to ld me they were aware that a check they sent to Ditech had not been cashed.  XXXX  gave me a  XXXX  tracking number for the check they said was delivered on  XXXX   XXXX . I called  XXXX  and they looked up the tracking number. There was no such number with  XXXX  or the US postal service.     I called  XXXX  on  XXXX   XXXX  and talked to  XXXX . He said he would escalate the problem and I would hear back in  24-48 ho urs from  XXXX  the supervisor. I never heard from  XXXX . I called  XXXX  again on  XXXX   XXXX  and talked to  XXXX . She said there is no supervisor or manager for me to talk to and that she would have someone call me back. She also said a new check would be mailed today,  XXXX   XXXX . I called Ditech to let them know. They said that they will be reporting late payment to the credit bureau. Considering  XXXX  's track record I do not expect them to get the check out as promised. I am very concerned about my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2017 about Payday loan () with EZCORP, INC. (TX).
Issue: Can't contact lender

Complaint: I received a phone call from the company and was given an ultimatum to pay or be sued. I tried to call back to set up a payment plan to payoff the debt, but all my attempts have failed.

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 07-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AR).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I 've contacted all 3 credit bureaus by mail, online, and over the phone to dispute inquiries on my credit reports. I 've put a fraud alert on all 3 as well. XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX/XXXX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2015 about Debt collection (Credit card) with LHR Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: LHR Inc, was supposed to take this off of my account, they removed it from XXXX but never took it off of XXXX. I am not sure why this is not taken off because this was the amount that was supposed to be adjusted after I made the settlement payment. I have tried calling LHR but I do n't have an active phone number for them and the one that is listed if for something else.

Company response to consumer: Untimely response
Consumer complaint received 03-02-2017 about Consumer Loan (Vehicle loan) with NISSAN MOTOR ACCEPTANCE CORPORATION (IN).
Issue: Managing the loan or lease

Complaint: There is a very strong case of fraud with what is going on with my loan account with Infinity Financial Services. I have been making over payments on my account and was told that the excesses would be applied automatically applied to my principal. This as been going on for some time. I realized however that these were not being applied and called their customer service 3 weeks ago. After discussing with a supervisor, my excess payments were calculated and she informed informed me that this would be adjusted to my principal and that I should get an updated balance but my payment due date would be adjusted to the current month. The statement balance was $ XXXX as at when we spoke. No adjustments were made after 4 business days, so I made another call. This time, a supervisor again, insisted on a different approach. He said he was going to apply my current excess payments ( $ 1900+ ) to my principal, rather than work it all back, and I should see the adjustment on the account within 2 days. I did see an adjustment 2 days later to be exact, my pay-off amount was adjusted to $ XXXX, when I calculated it, it was an adjustment of $ XXXX ( note that I did not record exact figures because I did not have a reason to be suspicious. Surprisingly, 4 days later this is again now re-adjusted to $ XXXX and my payment date remained the same. You talk about different answers or manipulation of figures, this is what is happening.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: do not no who XXXX XXXX is i have never used that name or anything else on tranunion, and a address in XXXX XXXX i have never live there

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 02-07-2018 about Debt collection (I do not know) with EQUIFAX, INC. (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: A delinquent trade-line from the company XXXX XXXX XXXX for {$3100.00} still appears on my Equifax credit report despite the fact this account is not mine, the other credit bureaus have removed the account, I have disputed it, and no proof has been sent to me that this account even exist. I am not sure why Equifax would let this happen as I have contacted them multiple times telling them this. They won't let me dispute this item online for some reason. Please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2015 about Credit card () with Continental Finance Company, LLC (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I call the credit card company and they was not going to help me. I do know what they are taking about I did n't got a credit card from know one please help me with this and thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax security breach XXXX 2017. I was affected and now my personal information may have been stolen and used against me. Equifax needs to be held responsible for this egregious failure.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2017 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This account is not my account Midland Funds refuse to validate information proving this is my account. They will not validate account and verify the account.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX debt of {$580.00} is not mine the name is XXXX XXXX i do not know who this person is. Please remove this debt on my credit report also i am divorced from my husband XXXX XXXX in XXXX 2015 and he has the XXXX XXXX XXXX. I have removed my name from XXXX please remove my name on this debt. XXXX has the car.

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 11/15/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with Specialized Loan Servicing LLC (CA).
Issue: Closing on a mortgage

Complaint: I received a payment from a sale and wanted to pay off my loan with SLS. I called them multiple times and requested a payoff statement ( was not even informed that they charged you for a statement ). 
I was not receiving their fax so I kept calling back and requesting the payoff statement. 
I finally received it and paid off the loan. 
I received a statement with multiple, odd charges, and was charged 6 times for a payoff statement on the same loan. 
I phoned 5 times, was able to get 1 of those charges reversed and was sent a check for {$25.00} When I phoned back wanting to speak with someone about reimbursing the rest of it, I was told I had to write a letter to XXXX I did so twice and never received an answer. 
I would like to be reimbursed for the {$100.00} in payoff fees and the charged {$18.00} in fees (? no  explanation of what they were for ) I feel they owe me {$110.00}

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 06-03-2016 about Debt collection (I do not know) with BARCLAYS BANK DELAWARE (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Everyday XXXX5x daily Barclays Bank calls for a debt I do not have ( 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 monetary relief
Consumer complaint received 07/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Under the new law effective XXXX XXXX, 2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in/on your credit file. The credit bureau has not updated the information and per the new law true Bankruptcy does NOT include this information and should be deleted from my credit report immediately!

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 10-09-2015 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (MD).
Issue: Loan modification,collection,foreclosure

Complaint: I applied with CitiMortgage, the servicer, in XX/XX/2015 for loan modification - particularly for interest rate reduction from current nearly 7 %. After I provided them with all documents they asked, they would change the customer service representative and the new one will ask for everything again. This has been going on since XXXX, 2015. I do not think they want to reduce the interest rate and want the program to expire. 

My property address is XXXX XXXX XXXX, XXXX, MD XXXX. The loan # is XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2015 about Credit card () with CITIBANK, N.A. (MA).
Issue: Billing disputes

Complaint: Please see the attached letter that I have sent to Macy 's Dept Stores, after I received what I consider to be an inappropriate dunning letter. 
XXXX XXXX, XXXXMacy'sXXXX XXXX XXXX XXXX, MO. XXXXRE : Form of Massachusetts Debt Validation NoticeAttached is a letter I received from your offices. I tried calling the number ( XXXX ) several times to speak to someone live, but that was never an option. I am contacting you because your letter is very inappropriate and upsetting to me. For an amount of {$27.00} you are sending me a threatening dunning letter, that says in part, " If you or your attorney notify us ... '' and then requests XXXX types of information, such as " A copy of any judgement against you regarding this account ''. As you will know by now, a payment was made that resolved this issue. This account is paid automatically from my XXXX XXXX XXXX account for the full amount due every month. In this case the amount was above my self-imposed limit, which is a safe guard against excessive or fraudulent charging. I have attached my statement from XXXX XXXX XXXX showing payments to Macy 's from XX/XX/XXXX. 

I request a letter from you confirming that this issue has been resolved, and it did not in any way effect my credit rating. 
Send to : XXXX XXXX XXXX XXXX, MA. XXXXCc : Consumer Assistance OfficeMassachusetts Division of BanksXXXX XXXX, MA XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01-08-2018 about Mortgage (VA mortgage) with LoanCare, LLC (MT).
Issue: Trouble during payment process

Complaint: My husband and I are trying to get the mortgage company to endorse and return our insurance claim check on damage that was done on the roof and interior of our house. I faxed them the invoices on repair and payments made to the contractors. They said that unless they get invoices showing that everything has been paid in full they will not release the check. They keep changing requirements for us to get the check back every time we talk with them. I have one invoice that still shows {$2500.00} owed to XXXX XXXX with XXXX XXXX XXXX XXXX ( XXXX ) XXXX. We paid him but never got a receipt stating paid in full. I have been unable to get an invoice showing paid in full. Where I am confused is the insurance check is supposed to be what pays the contractor. If the mortgage company is holding the insurance check hostage how are individuals supposed to pay their contractors? I am sure that not all individuals have money in their savings to pay large sums of money owed to their contractors. I have suggested that Loancare call the contractor if they doubt payment was made. I just would like to get reimbursed for what we took out of our savings account to pay both our contractors on amounts not paid by the insurance company and from the check Loancare in holding and will not give to us in the amount of approximately {$3600.00}. We only owe a little over {$100000.00} on our loan. The house is valued at over {$400000.00}. We have never missed or been late on a payment. This is very frustrating. We have gone through 2 house inspections to verify work was completed ( 95 % ). Work that was not completed was some minor repairs that was not reimbursed by our insurance company. We plan on doing those repairs on our own dime this summer. XXXX determined that what our contractor was charging was over what they thought the work should have cost. Loan # is XXXX with XXXX. XXXX XXXX XXXX and XXXX XXXX XXXX ( XXXX ) XXXX You have permission to share our experience as long as our personal info is removed so we do not have a problem with identity theft.

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 12-07-2017 about Debt collection (Other debt) with Professional Debt Mediation, Inc. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: On XXXX XXXX, 2017 I noticed that a derogatory account was added to my XXXX and XXXX  report by an agency listed as XXXX XXXX XXXX. I am in complete shock because this company has never tried to contact me or send out any letters in regards to amounts owed and debt validation. Upon research I found that this company does not have authority to engage in debt collection in Texas without a surety bond in which I did not find on the website of the Secretary State of Texas. I ask that XXXX XXXX XXXX remove negative reporting from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2017 about Debt collection (Medical debt) with TENET HEALTHCARE CORPORATION (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I am writing to request that the accounts in collection placed on my credit report be removed. Under the Fair Debt Collections Practices Act ( FDCPA ), This is not a request for validation, I HAVE ALREADY SENT SEVERAL ID THEFT AFFIDAVITS I WILL NOT SEND ANYMORE, furthermore The information in this ID Theft Report is clearly LEGIBLE. There is no need to request for further identification XXXX and XXXX  and XXXX claim to verified these accounts yet have not sent Any Verifiable proof, or proof of their investigation procedures. According to FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I had a personal Loan of {$500.00} with XXXX XXXX XXXX. It have been paidand closed since XXXX/XXXX/2015 and it is still being showed on my Transunion rreport till this day. Have provided receipts to them showing it has beenpaid but ca n't get it updated for some reason.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2016 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: The information is still remains. I just received a response from XXXX which is a collection on my Equifax report that responded through the CFB case # XXXX that they were going to remove this collection.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: XXXX XXXX & XXXX XXXX I have attempted to dispute public information being reported inaccurate on my credit file. I have disputed this information as not mine and someone with similar name filed bankruptcy. I have asked for physical proof that this public record being reported in mine. Since public record information is reported from a 3rd party source. Credit agency will not send me physical proof and keeps telling me that information is being furnished from the bankruptcy court. Bankruptcy courts do not furnish information to credit reporting agency. I received a letter stating to refer to the personal credit report you received for name, address, and phone number ( if available ) but nothing is available. I have yet received physical proof that the public information being reported is mine.

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 01/26/2017 about Debt collection (Payday loan) with Resurgent Capital Services L.P. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This debt is not mine. I 've been disputing this since it was with XXXX in XXXX of 2009. 7 years later it 's been sold off and has restarted. Please remove.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2017 about Debt collection (Federal student loan debt) with Collection Technology Incorporated (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I was enrolled and signed a rehabilitation agreement with the collections agency hired by the Dept Of Education Collection Technology Inc XXXX. I went with a rehabilitation instead of consolidation because I was told collection cost would be removed and the negative trade lines from the Department of Education would be deleted. After loosing employment, I continued to make the XXXX payments on the account for the 9 months we agreed to verbally and in writing. Only after making my last payment was I told that I was not able to rehabilitate my loan, after being out over XXXX. Now I have to consolidate anyway and my payments arr projected to be around XXXX a month when it 's completed. Without the credit line deletion and collection cost being removed I feel that the payments I made under the rehab program should be either refunded or applied to my interest and principle not collection cost.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: This DCI is trying to collect on a debt that is fours years old which belongs to XXXX XXXX XXXX XXXX. I talk to XXXX XXXX XXXX an the debt was paid as a result of a chargeoff. I complained to XXXX XXXX XXXX about there services which I found unsatisfactory and refused to pay due due to there services and call center which did not let me disconnect services. I tried to pay half of the bill but due to my unsatisfactory view was told it would be chargedoff. My credit does not show XXXX XXXX XXXX but DCi filed like if I had an account with them. I did not give permission to XXXX XXXX XXXX to sell my account to DCI.

Company response to consumer: Closed with non-monetary relief