milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/30/2017 about Debt collection (Medical) with KeyBridge Medical Revenue Management (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: The Debt collector Key Bridge Medical. has been attempting to a collect a debt that the State of Ohio paid through the State of Ohio XXXX program. They as well as the original creditor has been made aware of these debts being billed and paid by the XXXX program. The Original creditors have assured me on numerous occasions that they would have this company remove the debts from there files and my credit reports. This has been an on going issues for several months. The accounts in Question belong to the XXXX XXXX medical Center and XXXX XXXX. They have also called and harassed me after I mailed them a cease and deceit letter, I was told by them that I would be sued for the amount they say I owe when clearly it was paid by the government and was told they did not care what XXXX paid or did n't pay they only care about what they were told to collect. I demand that they cease all collection activity, and verify with the State of Ohio that there was XXXX coverage at the time of service and that it was paid. They are reporting the same account several times in an attempt to force me to pay the debt or have bad credit. When I mailed them a demand for validation of the debt I never received a response. They have clearly violated several federal Statutes that pertain to fair debt collection, and improper reporting of information to the credit reporting agencies. They have done harm to my credit, and my reputation by there falsehoods and illegal acts.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2016 about Bank account or service (Checking account) with Fidelity National Information Services, Inc. (FNIS) (SC).
Issue: Account opening, closing, or management

Complaint: In attempt to cancel checking accounts with XXXX XXXX Bank through website ( I work as XXXX and can not make it to bank during working hours w/o loss of income ) I received service fees. I paid the one I am responsible the remaining were caused by lack of proper communication on the part of the bank. This information has been sent to the collection agency. They have provided no reply except for payment.

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Using a debit or ATM card

Complaint: Bank of america charge me {$35.00} returned item fee when in fact the ( {$7.00} ) item was not returned. Bank of America have the amount ( {$7.00} ) in there records but it is not showing in my all transaction records. I believed they purposely hide it. The {$7.00} was drawn by XXXX a financial company. XXXX used my debit card to collect payment and was paid by Bank of America. One thing that puzzles me is if the item was returned to XXXX, it should show that I will have a balance on my account with XXXX. Reason why I file this complain is to recover my returned item fee of {$35.00} and show to others what this bank is doing just to get those fees even resorting to lying. Here are the reasons why I am contesting Bank of America : 1. ) Whenever XXXX collect payments from Bank of America, using my Debit card, the Bank rejects the collection if I have insufficient funds, without any penalties, just like withdrawing in an ATM. 
2. ) Bank of America said they returned the item. No item was returned as per XXXX records 3. ) The amount ( {$7.00} ) is not showing on my account activity. I believed was deliberately hidden from me. 
I tried to resolve this Matter with the operation manager XXXX XXXX XXXX ( XXXX XXXX XXXX CA XXXX ) and the response is " we can do nothing ''. 
I hope you can help me resolved this matter. I believed Bank of America have violated bank regulations skimming customers by fees.

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 10/27/2015 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: I placed a security freeze on all XXXX of the credit reporting agencies several years ago. I am going to be applying for a loan and so am trying to lift the freeze. Neither XXXX or Experian is recognizing my PIN : I am unable to lift the freeze. There is no recourse to me other than to send my request in writing but I have NO identification that shows my social security number on it ( for obvious reasons ). There is no way to speak with an individual. This must be what it 's like when your identity is stolen and you lose control.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2015 about Debt collection (Medical) with Professional Medical Management, Inc. (PA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I received a letter from Financial Recoveries located in XXXX XXXX NJ. The letter stated that I owed {$40.00}, I called Financial Recoveries at XXXX and spoke with a XXXX and when he answered the call he stated that I was reaching the office of XXXX I could not make out his last name. However he misrepresented himself by not saying that I reached Financial Recoveries. I asked XXXX for an itemized bill and he told me that first they did not have a copy of the bill and that if I wanted a copy that I would need to put my request in written. I explained to him that I work in the collection industry and that they needed to provide me with a copy of the bill whether it is a verbal or written request for proof of the debt. After getting no where with XXXX I asked to speak to his manager and he told me to have a nice day and hung up on me. 

I then went on the internet and got another number for Financial Recoveries XXXX. I spoke to a XXXX XXXX and again when I asked for a copy of the bill he told me that the bill was for a Doctor XXXX XXXX and I explained to him that I paid that bill he then stated that they did n't have a copy of the bill and that I would need to request that in writing. I explained to XXXX that I work in the collection industry and that whether my request for proof of the debt was verbal or in writing that they needed to provide it to me. After XXXX kept over speaking me and telling me that is not the case I asked to speak to his Manager, I was put on a brief hold and XXXX came back on and said I spoke to my supervisor and he told me that what I told you was correct. I then said to XXXX that is no what I asked for I asked to speak to your Manager after several minutes of going back and forth with XXXX I lost my patience because he would not let me speak and when I asked for his Manager again he then hung up on me. 

I then called the doctors office I believe this bill is associated with at XXXX and they gave me the phone number to their billing service in XXXX Pa I called XXXX. I spoke to a man named XXXX XXXX he told me he could not find any bill listed for myself. XXXX then gave me the phone number to customer service XXXX. I called and spoke to an XXXX XXXX he also stated that he could not find any bill paid or unpaid bill listed under my name or social security number. 

XXXX gave me a number for the physician 's billing service and gave me a number to a XXXX XXXX XXXX, I called and left XXXX a message and am waiting to hear back from her.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-04-2016 about Prepaid card (Gift or merchant card) with U.S. BANCORP (TX).
Issue: Fraud or scam

Complaint: With a balance of approximately {$42.00}, I attempted to make a gasoline purchase at the pump. When I entered my zip code, the sale was rejected. The balance on the card is now {$0.00}, and the card issuer says it can take up to 14 days to restore the balance to the card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 06/15/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I received a Delinquency notice letter form ocwen loan servicing dated XX/XX/XXXX regarding loan number XXXX.States that i 'm late on my mortgage payment as of XXXX/XXXX/XXXX I 'm XXXX payment delinquent on my mortgage loan my account first became delinquent on XX/XX/XXXX.failure to bring my loan current may result in fees and foreclosure -the loss of my house.the total : {$130000.00}. 
my attorney williams sent a letter to ocwen loan servicing dated XX/XX/XXXX regarding the alleged debt owed to provide verification of the debt and the name and address of the original creditor within thirty ( 30 ) days of the date of this letter .ocwen loan servicing never respond to the letter .until XX/XX/XXXX my former attorney XXXX XXXX reached out the bank 's attorney .And ocwen loan servicing said that they are willing to accept {$110000.00} for the home now .And she asked what bout XXXX and she was advised that the bank 's attorney only represents ocwen and they can not speak to behalf oh XXXX. I may contact a private lender to see if they will loan me to money, on XX/XX/XXXX I receive a Non Approval notice letter from ocwen loan servicing states that they are unable to offer a home Modification because : As of date of this letter my loan has confirmed foreclosure sale date within 7 business days.On XX/XX/XXXX I receive a confirmation of cancelled effective XX/XX/XXXX any unearned premium that may have been paid from escrow account has been refunded Please be advise that this Loan number XXXX is totally fraud and was created by ocwen loan servicing for own purposes of used .Because i never made any payments to ocwen loan servicing regarding this loan # XXXX .Ocwen loan servicing has a voice recorded stated that i paid {$5900.00} was received on XX/XX/XXXX and my next payment of $ XXXXis Due on XX/XX/XXXX .This is totally untrue .Also on XX/XX/XXXX I receive an email from my former attorney XXXX XXXX stated that lawsuit been filed by INVESTORS

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2017 about Bank account or service (Checking account) with CITIBANK, N.A. (OR).
Issue: Account opening, closing, or management

Complaint: I made a deposit at Citibank. There was a {$400.00} bonus for signing up and depositing {$15000.00} and keeping it in the account for 30 days. The bonus was promised to be in the account in 90 days after meeting the requirements. 

I fulfilled the requirements and when the bonus was n't credited to my account, I contacted them by email and by phone. By email, they wanted 30 days to " investigate '' and by phone they promised to take care of the matter and credit my account. Months passed, I called again and spoke to a supervisor who now claims the account was n't qualified or something or another.

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. (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: I this company a letter dated : XX/XX/XXXX disputing the lien reported in my credit report INCORRECTLY. Please see attached credit report I downloaded last XX/XX/XXXX. The lien was reported with ref # XXXX which is the reference number which I disputed on my letter lastXX/XX/XXXX. EQUIFAX responded last XX/XX/XXXXsaying that they confirmed with XXXX XXXX ( third party vendor ) the DISPUTED LIEN REFERENCE NUMBER IS NOT REPORTING and they reported a NEW AND DIFFERENT LIEN REFERENCE NUMBER : XXXX, same filing date, same county court, same amount. I have verified with the court that this information has already been withdrawn during the last week of XXXX and yet EQUIFAX CLAIMS that this item is correct and verified. Equifax has several violations. Reporting INACCURATE PIECES ON INFORMATION, CLAIMING THAT AN INVESTIGATION WAS DONE WHEN OBVIOUSLY NOTHING HAPPENED, NOTHING WAS DONE, REPORTING THE SAME INACCURATE LIEN WITH A DIFFERENT REFERENCE NUMBER THEN STATING THAT THE FIRST REPORTED REFERENCE NUMBER IS NOT REPORTING. ATTACHED WITH THIS COMPLAINT ARE THE FOLLOWING : 1. EQUIFAX CREDIT REPORT DATED : XX/XX/XXXX ; 2. COPY OF EQUIFAX RESPONSE DATE : XX/XX/XXXX ; COPY OF THE LETTER I SENT THEM LAST XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/13/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Transunion had glitch in their system that violated the rights of their consumers under section XXXX As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting all inquiries be removed.

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 02/23/2016 about Credit card () with Continental Finance Company, LLC (IN).
Issue: Credit card protection / Debt protection

Complaint: I owe a debt to a credit card company that I was unable to pay due to some financial set backs. The company contacted my sister and lied about being a lawyer and serving me with papers at my job if I did not return the phone call to them. I then called the company after my sister gave me the information from the rude collector, and was yelled and screamed at and told that they would be to my job to serve me when I called myself. I was never informed of what the debt was for or what the amount was, and was told that I had committed fraud and would be handled legally.

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 12/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: RE : Remaing inaccurate items. I am sending this letter in regards to the remaining inaccurate information your company continue to leave on my report. I have the items below in the file attachments. Please review the inaccuracies and remove the items within 48 hours of receiving this message. I am not attempting to collect a debt nor is this a threat but Im in the process of filing a lawsuit. I advise you to look over this matter and take serious precautions or else youll find yourself in a courtroom trying to defend every violation youve caused, pain, agony, embarrassment and the dark clouds youve placed onto my life. As of today Im sending this final letter as an affidavit and the final important notice to remove your obsolete, bogus, accounts and inquiries by today. I will be following up checking my credit to see if the inaccuracies are removed. I strongly advise you not to take this as a laughing matter, it is to be taken very seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2016 about Mortgage (FHA mortgage) with CITIBANK, N.A. (MA).
Issue: Loan servicing, payments, escrow account

Complaint: I am the SOLE AUTHORIZED ADMINISTRATOR for the PERSON noted as XXXX XXXX XXXX and I am the sole creator and owner of the monetary instrument Promissory Note for the account and property noted to CITIMORTGAGE , INC . Via Certified Mail XXXX I requested that CITIMORTGAGE, INC. returns my property to me and they refused to do so. 
I sent this request on XXXX/XXXX/2016 and have yet to hear anything back. The Promissory Note belongs to me and at no time was this monetary instrument ever the property of CITIMORTGAGE , INC .

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 05-11-2015 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (MD).
Issue: Loan servicing, payments, escrow account

Complaint: During my mortgage transfer, the gaining loan servicer had poor customer service and misapplied my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2017 about Debt collection (Medical debt) with R.M. Galicia, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Progressive MGMT SYSTEM has failed to validate a debt they 're claiming i owe for medical services rendered in XX/XX/XXXX. I sent out a letter requesting they do so in XX/XX/XXXX and then again in XX/XX/XXXX. I 've not received any debt validation from them, and just today they have flagged my credit report and added multiple derogatory collections, which has caused my score to drop again. My report is showing the debt being reported on XX/XX/XXXX for XXXX and then again XX/XX/XXXX for the amount of XXXX from services rendered at XXXX XXXX XXXX XXXX XXXX. I 've had medical since XX/XX/XXXX,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/17/2017 about Debt collection (I do not know) with AFNI INC. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I recently pulled all  XXXX  of my credit reports. I noticed  XXXX  collection accounts from AFNI. I called and spoke with a rep who tried to inform me that I was indeed liable for the date. When I asked them to send me validation that indeed the debt is mines she informed me she would and I provided her with my email address along with my mailing address. 30 days have passed and I have yet to receive anything. I contact them again on  XXXX / XXXX / 17  and was informed that the information had been mailed. She was unable to provide me with an exact date. After asking for them to remove the information from my credit since it was not able to be validated she gave me every excuse on why she could not delete it and ask for payment again for the 3rd time.

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2017 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (AZ).
Issue: Loan modification,collection,foreclosure

Complaint: I was supposedly approved for a loan modification on my mortgage with DITECH. I completed by 3 trail payments by XX/XX/XXXX. Since then, I have been paying the trial amount each month but can not get them to answer questions about the status of my final loan documentation. I can not get my rep to call back with any coherent response, and all I get are letters in the mail pushing back a " resolution '' time by 14 days each time.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (MN).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: Im writing this letter to inform you of my effort to obtain a Sears Credit Card which has been denied because of my alleged history of delinquent credit. I have sent several letters expressing my disagreement with the denial, and have asked the approving authority,  Citicorp Credit Services , Inc.,   to reverse that decision based on the my attached credit report. Also see Citicorp letter attached.  <P/> The denial appears to be based on  two  charge offs from   XXXX   XXXX   XXXX   going back to  XXXX . See the attached  XXXX  Credit Report. I requested tha t   XXXX   XXXX   XXXX   r emove the charge offs on both accounts because I was making payments when  XXXX  claimed the payments were 180 days past due. See the attached document on payments.  XXXX  agreed in writing to drop one of the accounts, and sent a letter to the credit bureaus to drop the account. See the attached letters from  XXXX . I have no explanation for the difference in account numbers for the two charge offs accounts.  XXXX  and  XXXX  removed the  XXXX  charge off accounts, but  XXXX  did not as shown in my credit report as of  XXXX   XXXX ,  XXXX , page  7 of 53. I do un derstand that the charge  offs (  XXXX  or  XXXX  ) stay on your credit bureau report for seven years.   <P/> Even with the charge offs shown on my report, I dont see a history of delinquent payments.  Pages 5 of 53 and 6 of 53 s how that there were timely payments to a collection agency on the  XXXX  accounts, and eventually they were paid off.  <P/> I contend tha t Sears ( Citicorp Credit Services , Inc. ) w as not justified in denying me  the Sears Credit Card. Citicorp claim th at not having delinquent payments over the past four years is not as relevant as looking at the overall credit rep ort. Citicorp claim t hat an overall look at my credit report does not score a sufficient number of points for approval. This sounds contrary to being granted the credit to buy a car in  XXXX , to being granted an  XXXX   XXXX  card in  XXXX , and having sufficient credit to buy a  XXXX  timeshare in  XXXX .  <P/> I believe  Sears ( Citicorp )  is trying to hold me to a higher standard for credit card approval.   This denial of a  Sears  Credit Card sounds more like age/race discrimination given that Im a  XXXX  year  old  XXXX  military veteran.  <P/> I want you to investigate this matter and make some recommendations as to what I should do. This means requesting   XXXX   to follow up on dropping  one  of the   XXXX   charge off accounts and make an inquiry as to wh ether Sears ( Citicorp ) is justified in de nying me the Sears Credit Card.

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 04/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Please remove the following inquiries as I did not grant permission : XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XX/XX/XXXX XX/XX/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