milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/21/2015 about Mortgage (Home equity loan or line of credit) with FLAGSTAR BANK, FSB (ID).
Issue: Loan servicing, payments, escrow account

Complaint: Flagstar Bank would n't let me make a payment on-line like I do every month because they blocked me, instead they called asking for payment, added a {$20.00} late charge which is fine but then added another {$15.00} phone fee charge and didnt tell me they were charging me the {$15.00} phone fee. I feel this is an unfair practice!

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2015 about Debt collection (Medical) with Patient Account Services, LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XXXX/XXXX/XXXX I was injured at work, resulting in TX workers compensation claim numberXXXX ( now updated to claim numberXXXX ). 

Despite providing the WC claim info to XXXX XXXX XXXX XXXX XXXX XXXX multiple times, they repeatedly billed me for services rendered. 
My WC Adjuster even contacted them XXXX/XXXX/XXXX to advise that they could not bill me ( see attached ). Instead of correcting the matter, they turned me over to collections. 

As I communicated to the XXXX XXXX XXXX XXXX XXXX 's billing department multiple times in XXXX -- and to the collections company Patient Account Services , LLC in XXXX -- this is not a valid debt. Over the past two years I have made multiple attempts via phone, fax and mail to correct this matter with both XXXX XXXX 's and with Patient Account Services without success. 

The treatment provided by XXXX XXXX XXXX XXXX XXXX on the date of service XXXX/XXXX/XXXX was related to a valid Texas Worker 's Compensation claim ( see attached ). Pursuant to the Texas Worker 's Compensation Act, Section XXXX, neither PAS nor XXXX XXXX XXXX XXXX Hospital are allowed by law to bill me for services provided. 

Attached is a letter sent from the Worker 's Comp adjustor to XXXX XXXX 's on XXXX/XXXX/XXXX stating this fact. I am unclear this company continues to pursue collections against me for this illegitimate debt. This inaccurate account should NEVER have been transferred to collections. Not only have both XXXX XXXX and PAS attempted to collect on this illegitimate claim, but have reported false data to the XXXX and XXXX credit bureaus. 

I am in the middle of buying a house and this inaccurate collections account is impacting my ability to do so. This account must be deleted, and the reports retracted from the Bureaus, immediately. 

Additionally, I would like to receive written communication from the company stating that they will discontinue collections and delete the reports from the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AR).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: My wife and I request our free credit reports from the 3 bureaus every year since it first was offered. Our most recent request was XXXX XXXX, 2017. Neither of us have problems with XXXX or XXXX. My wife always receives her eperian report promptly.
However, I have a complaint about experian. EVERY year, they ask for " additional '' information on myself. Name, SSN, address, date of birth PLUS copy of government ID PLUS utility bill. They say they can not find me and offer " special offers ''. In other words, they do not want to give the free report, they want me to buy their products.
My wife and I have the same address and same accounts. I provided all requested info and document copies, but they still can not find me. This seems wrong to me. I have purchased my report in the past and they can magically find me. I think experian needs to be a more professional company. Of course, you ca n't call them and it takes so long to hear back when writing. Please help.

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 10/27/2016 about Mortgage (Conventional fixed mortgage) with Core Advisory Group, LLC (AL).
Issue: Loan modification,collection,foreclosure

Complaint: I contacted Core Advisory Group last XX/XX/XXXX to seek help with my mortgage situation. After being denied for a loan modification by my lender XXXX I was in desperate need for some help in order to save my house, so I sought help with a company name Core Advisory Group. They had sent me a mail advertisement that read XXXX and my loan was eligible for a payment reduction and interest rate to be as low as 2 % and also mentioned that I was a plaintiff against my lender for a lawsuit. Also the advertisement states, they can stop my foreclosure with their XXXX XXXX XXXX so I gave it another shot and reached out to the company to see how they can help me. 
After speaking with XXXX of their sales representative XXXX assured me that I have a strong case to file a complaint against my lender with federal agencies and government officials and this will force my lender to stop any foreclosure proceedings and get my bank to negotiate a new loan modification plan for me. They wanted me to pay a total of {$4300.00} all up front but I only can do a portion of that in payment plans so they agreed and I paid them {$1700.00} which my check was deposited into their XXXX account on XX/XX/XXXX. 
What frustrates me is that when they told me they had spoken to my lender XXXX, my lender told them that the reason I was n't qualified for a loan modification is because I did not make enough money to qualify and I already knew this. I wish if I had known sooner that this company preys on peoples vulnerabilities and will do anything to make you feel like there is hope for some help and as soon as you send them your money and you find out they were n't living up to their expectations, they will fight you to the very end to keep your money and that is what is happening to me right now. I have been misled and lied to. If it was n't for their deceptive advertisement to get me to call them, I would n't be out of {$1700.00} which I had to borrow from friends to help me out so not only did I lose that money to them, I am now in debt with my friend. I just want my money back and these people should be ashamed of themselves for doing this to people who really needs help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10-11-2017 about Debt collection (I do not know) with Associated Credit Services, Inc. (AZ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Associated Credit Services , Inc. Claims to be collecting a lawfully owed debt to XXXX, XXXX XXXX When I wrote them and explained the debt IS NOT owed and the claim that the debt is owed is false. They sent back a legal agreement I never signed and have never seen prior to Associated Credit Services , Inc. remittance of the agreement. The agreement sent by Associated Credit Services , Inc. further does not contain my signature in any way shape or form. They also sent a generated invoice for {$600.00}. XXXX, XXXX and Associated Credit Services , Inc. are committing mail fraud by attempting to collect false and/or fake debts via the U.S. Postal System, I feel they  should be investigated and charged.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2015 about Credit reporting () with LEXISNEXIS (WA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I am unable to receive my LexisNexis C.L.U.E . Auto report. I thoroughly filled out the company 's request form, leaving nothing blank. In addition, I supplied a copy of my social security card ( Category A identification requirement ) and my auto insurance declaration page ( Category B address verification for mailing address ). I live between the United States and XXXX with my mailing address ( not physical address ) at a border town, but my submitted insurance declaration page reflects this mailing address. I 've met the LexisNexis requirements and yet their generic letter states I did not meet their verification process and that the request form was incomplete / illegible. None of this is true. There is no means to contact a human being at LexisNexis. My consumer number is XXXX and my case number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (AZ).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: RE : CITI card XXXX XXXX XXXX XXXX In an industry of horrible " customer service '' CITI gets the gold for worst of all. I submit that CITI does NOTHING to " resolve '' disputes. To wit : I have disputed the purchase of airline tickets. My documentation proved that, at least, part of my complaint was air tight. CITI declined the whole dispute. However, with the help of the Arizona AG the offending company reversed the entire charge. CITI refuses to do so. CITI never informed me of their inane decision. I saw the initial reversal on my bill. They say they asked for documentation with a form they sent. I never received that form. This company is a XXXX to consumers and should not be allowed to harass and steal from us.

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 02/17/2016 about Credit card () with CITIBANK, N.A. (UT).
Issue: APR or interest rate

Complaint: Called CitiGroup today to see about getting a lower APR on my Sears credit card. Was told that they could not lower the APR from the current 25.49 %.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2016 about Consumer Loan (Vehicle lease) with Bridgecrest Acceptance Corporation (FL).
Issue: Managing the loan or lease

Complaint: I initiated a Car Lease with XXXX in XXXX Fl. It had a 30 month lease. my payments were due on the XXXX and the last day of every month. My payments were {$210.00}. On XXXX XXXX, 2016 they only took XXXX 's of the payment that was due. So I called in to lease service to find out what happened. At the time they indicated that it was a computer glitch and I could pay the rest over the phone. My lease was up in t XXXX, so I decided to just pay it off early. I asked the rep to calculate a total balance that would bring my account to zero. took him 20+ minutes, but he finally came back with a balance of {$360.00} and some change. I paid it. On XXXX XXXX, I received a text indicating that my payment was due. I called into Customer service again. After waiting XXXX minutes they indicated that it was an error and I could disregard. That I had no more payments due and they would send me my title in XXXX6 weeks. XXXX XXXX, XXXX I received another text along with a loud ringing in my car stating that I was begind in my payment and that I needed to pay immediately, or they were going to come and ge the car. I called in again on XXXX XXXX, and now they are saying I owe them almost {$200.00}. They are stating that they never received my payment from XXXX XXXX. I asked them for an email address and fax number so I could send them proof of that payment. I spent all day sending it multiple times multiple ways and they are still claiming tht they never received anything from me. They have never indicated in the past 1 1/2 months that I was missing a payment. XXXXBridgecrest are trying to extort additional moneis from me without cause. I have proof valid confirmation that Bridcrest debited my account on XXXX for the XXXX payment.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2015 about Credit reporting () with LEXISNEXIS (OK).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I repaired my credit in 2008 as it had incorrect information - wrong names, social security number, employment history, etc. Now, XXXX plus years later I have completed a loan application but can not complete the signing of the application because I can not answer the security questions. The loan firm is ( XXXX ) who uses ( XXXX ) who in turn uses the LexisNexis database. Apparently the credit agencies did not update LexisNexis with the proper information so I can not get the final approval for my loan. I now have a hard search on my credit for nothing due to the misinformation in the LexisNexis database.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2017 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (WA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I had a credit card with Capital One in XX/XX/XXXX-XX/XX/XXXX, due to the many outrageous charges from the bank, I disputed it. Then the bank charged it off and bought by collection companies. It has been resold to four different collection agencies, XXXX XXXX, XXXX, XXXX, and now back to XXXX XXXX again. XXXX XXXX says it will stay on my credit report until XX/XX/XXXX. That is over 14 years when it should have come off in XX/XX/XXXX. This has been resold several times. It is illegal. It has destroyed my credit and continues to do so everyday.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2017 about Checking or savings account (CD (Certificate of Deposit)) with BARCLAYS BANK DELAWARE (TX).
Issue: Managing an account
Sub-issue: Deposits or withdrawals

Complaint: I received a letter from Barclays on XX/XX/2017 thanking me for choosing Barclays Online Banking. The letter explained that I would enjoy all the great rates and services associated with my new account - Online Savings Account and a Online CD account were opened ; both amounts were {$8000.00} each with a total amount of {$16000.00}. I can provide documents of the letter sent showing my two accounts, account numbers, and the amount funded which included the CD maturity date. These transfers were taken from my private trust account where you can not put money back into the account, you can only disburse or withdraw. As soon as I received the letter I immediately called to verify both accounts as I was placed on hold. The gentleman from the security department was very rude and outrageously sarcastic. The gentleman reiterated to me a false blog information that I have never heard of, nor that I was involved in, or some sort of scam that has been going on, which stayed inter-office where my private trust account is currently located and active. I tried to state the fact that I have documents showing proof that I have been using my account, but everything was one sided. If I knew that this is how Barclay 's conducted business I would have never done business with them. Shortly after I called back and I finally had a chance to talk with a manager who was very rude, and also sarcastic, who even laughed out loud as I explained my account. Barclays in fact not in the customers best interest and not an ounce of due diligence was taken. If my account was not valid, I would have not received a letter congratulating me for doing business with them showing my Online Savings Account and Online CD Account. The authority of the account is mine, and where the funds were drawn from to fund both accounts do exists. Barclays did not notify me of insufficient funds nor did they claim that the account was n't valid.

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 04/28/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (NY).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I recently submitted a dispute Ag ainst Portfolio Recovery associates about conflicting information posted to my credit report regarding the purchase date of the collection. As a result of my dispute,   XXXX   made them change the purchase date to the proper date. However, without cause or reason Portfolio Recovery Associates has   reopened the collection account to be reported as open as of  XXXX / XXXX / XXXX . This account has been paid in full and closed since  XXXX  of  XXXX  [ please find the attached proof, of my old credit reports vs my new on es ]. There is no reason for this to suddenly be reopened. Therefore, it is my belief that Portfolio Recovery Associates  is retaliating against me for disputing their false information. As a hard-working person with  XXXX  jobs and a family,  Portfolio recovery Associated is intentionally seeking to inflict emotional and financial distress upon me and my Family. I Seek relief and the Maximum  penalties allowable by law.

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK).
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 attempted several times with transunion and XXXX XXXX XXXX.XXXX XXXX XXXX, XXXX, ok XXXX. 
act # XXXX- {$1100.00} act # XXXX- {$240.00} i have asked for signed contracts with my signature with this collection agency proving i had a contract with them. Ive requested transunion to show me proof of this info they say they verified. 
I would like both of the above accounts removed from my credit report. 
MY DISPUTER REASON ; NO CONTRACT CONTRACT CANCELLED

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 03/31/2015 about Mortgage (Other mortgage) with NATIONSTAR MORTGAGE (WA).
Issue: Loan servicing, payments, escrow account

Complaint: Nationstar Mortgage is currently servicing the note for my Pay Option ARM loan. It was originated by XXXX in XXXX, sold to XXXX XXXX XXXX, then sold to Nationstar. My complaint is this company is knowlegable that they are sending inaccurate loan statements for this loan and is doing nothing to resolve the problem. 
Last year I began receiving inaccurate loan statements beginning with the XXXX XXXX, XXXX statement which coincides with an annual loan interest rate review and loan amount recalculation. Specifically, the printed loan payment amounts of Options XXXX,XXXX,XXXX were the same amount with different consequences. I initiated a payment amount correction inquiry with the Research Reference number XXXX which resolved the XXXX loan statement error within 30 days. 
A few weeks ago I received an inaccurate loan statement for the XXXX XXXX, XXXX statement with the same issue. After spending several hours on the phone with customer service reps who were not able to provide accurate information or were unknowledgeable about the existence of a special loan services department within Nationstar mortgage, and asking them to correct the loan statement problem in their computer system and not having a remedy, I feel the need to file a complaint to the federal government regarding this company 's unwillingness to correct the problem of sending out inaccurate loan statements for this pay option ARM loan. 
After several hours of inquiry, I was informed that XXXX in Special Loans, extension XXXX was the key person that handles these loans.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Last year XXXX started reporting some old accounts that I had never been communicated before that I owed. After agreeing that they would delete the trade line from the credit reporting bureaus and that I would pay such amounts ( which I did ), I received some written acknowledgments from this companies that the trade lines would be deleted. It 's been several months, and the accounts are still being reported. I was able to contact XXXX and get the trade line deleted ( after spending hours with them on the phone and sending back and forward letters ). With TransUnion and XXXX I have n't been able, as they stated that XXXX needs to be the one requesting such deletion ( which they said they would, and apparently, they did NOT! ). I 'm outraged. This has been going on for over a year. If this time this is not resolved, I will sue.

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 02/13/2017 about Debt collection (I do not know) with Real Time Resolutions, Inc. (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Received a letter all of a sudden with a settlement offer, after disputing information on credit report requesting debt validation. It has been over 30 days and company has not responded with validation of debt ...

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with College Foundation, Inc. (NC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: The company is reporting adverse information to the credit reporting agencies ( XXXX, XXXX, XXXX XXXX XXXX. I send the company a dispute letter asking for proof of the adverse information they are reporting to the credit bureaus. The company provided a generic letter stating they are not able to change the delinquent ratings reported to the credit bureaus. The company did not provide any proof for the adverse information that they are reporting. I have disputed this issue several times with the credit reporting agencies ; and they claim they verified the information as accurate. The credit reporting agencies is verifying the information through there XXXX system with a code ( a electronic third party data base ) and not doing a reasonable investigation as stated in the Fair Credit Reporting Act. The company is responding to the credit reporting agencies with an XXXX code. The credit reporting agencies can not verified 100 percent of the information as accurate without any documentation or proof.

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