milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/26/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Capital Credit and Collection Service, Inc. (VA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This was a debt that I did not owe that was incurred by my ex-wife six years ago. Although I was not obligated to pay the debt by the terms of the separation agreement, and did not agree to incurring the services and the cost thereof as the separation agreement required me to pay for healthcare premiums and XXXX XXXX to simply absorb any copays, I paid this amount so as to facilitate my children 's well-being and conclude a divorce. I paid this {$60.00} charge in XXXX XXXX even though it is an account that belongs to XXXX XXXX and even though she sent the bills to me months after they were due -- thereby causing them to be late through her negligence. Nonetheless, I paid them, successfully contested the negative marks on my credit reports, and believe the matter concluded. I heard nothing more about it, and it did not appear on my credit report, until six years later, in late XXXX XXXX, out of the blue. It is paid and closed and was only late for 30 days because XXXX XXXX did not inform me of a co-pay that was due. I spoke to XXXX at the collection company, Capital Credit and Collection, today, and advised her of the above facts. She indicated that Capital Credit and Collection had not taken any actions that should have resulted in reporting this paid and closed account as a negative account on my XXXX credit report. XXXX at Capital Credit and Collection advised me to dispute the account to XXXX and to the CFPB and that when XXXX and the CFPB contacted Capital Credit and Collection XXXX or XXXX of her colleagues would instruct XXXX and CFPB to remove the negative account from my credit report. I hope that indeed Capital Credit and Collection does as promised and removes this negative account from my XXXX report as well as the other XXXX XXXX and XXXX reports if it shows up there. If not, I will be obligated to commence litigation against Capital Credit and Collection. In other words, Capital Credit and Collection does not want this item on my credit report and did not report it to XXXX, and yet it is on my XXXX Credit report. It needs to be removed immediately as it is interfering with my credit score and my ability to purchase a house for my family, including foster children.

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2017 about Debt collection (Other debt) with First Credit Services Inc. (MD).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I sent a request to this company to find out what this debt was for. I received a response stating it was for a gym membership that I never signed up for. There  are 2 seperate contracts with 2 different dates and two different  amounts. The license number listed is not mines. I asked this company to provide me with a copy of the identification that was used. I am more than 99 % sure whenever you sign up for any kind of membership a copy of your photo identification is kept on file as well. Also it states that a credit card payment was used I just recently got my  XXXX  credit card not to long ago. I contacted them and ask if they could mail me a copy of the ach authorization form they claimed they had on file but was told I had to contact the collection agecny.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XX/XX/2018, credit manager at XXXX XXXX ran hard credit check without permission, and assured that credit runs were not " hard runs. '' I pulled my own credit report to verify, and it showed unauthorized hard runs. 

Vehicle Deal Number is 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 04/17/2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: My US Department of Education accounts  XXXX  and  XXXX  are currently being rehabilitated by   XXXX   and are on an automatic payment schedule. I do n't know why they are being reported as collection accounts seeing as how all of my documents have been forwarded to the Department of Education and they are well aware of the loan rehabilitation, the account status is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2015 about Credit card () with SYNCHRONY FINANCIAL (PA).
Issue: Application processing delay

Complaint: I am in the process of applying for Lowe 's discount credit card. They are asking for both date of birth and Social Security Number. Is this safe to do so, in the light of 'Identitytheft ' dangers?

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2017 about Debt collection (Medical debt) with Frost-Arnett Company (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: frost Arnett is attempting to collect a debt with out sending validation, the invoices sent do not have any information that is correct nor do they have my signature. I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I  do not recall giving permission to [ name of provider ] for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization. 
Please provide a breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I had several student loans with FedLoan Servicing that went into default. I entered and completed a rehabilitation to get them out of default. Once they were out of default, I applied for a consolidation. Now all of my student loans are consolidated under XXXX XXXX as the servicer. My new consolidated loan is accurately reported on my credit reports. However, FedLoan Servicing has not updated my information for the old loans. They still appear as if they are open and delinquent and as if I still owe a balance to them. I have tried to get this fixed. I have emailed them all of the information and have still received no response. I reached out to XXXX XXXX and they told me I had to deal with FedLoan to fix it. This is keeping me from getting approved for a mortgage loan and it is tanking my credit score. The mortgage loan officer told me the loans are showing as if they are currently in collections. Please fix this immediately. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXL XXXX N/A XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 03/24/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (MO).
Issue: Loan modification,collection,foreclosure

Complaint: I have a loan with OCWEN XXXX, and I want to file a complaint against them because they are continually charging me fees for late payments I had last year. I was late on my payments up until XXXX of 2014 and they charged {$15.00} to drive by the house as well as certified mail charges. I got paid up in XXXX and have not been late since, however periodically I am getting more certified charges added to my bill and I do not believe that it is correct, I have kept all paperwork from them, which they are justifying their charges but I do not believe are correct. I want this to stop, and ca n't get anything done with them

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (TN).
Issue: Managing the loan or lease

Complaint: On my credit report XXXX is not reporting what appears on my account online. They are not reporting that I have not been XXXX days late on my account in XX/XX/2013. Instead it says my account has been charged off. Online the company is reporting that my account is current. When the payment is XXXX days late the company calls and requests a payment because the account is still active and not charged-off.

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (CT).
Issue: Loan modification,collection,foreclosure

Complaint: Basically Chase Bank foreclosed on my property in XXXX XXXX in the middle of a loan modification/deed-in-lieu agreement. I never heard from my assigned caseworker either, an XXXX XXXX XXXX who I believe was derelict in her duties to me as the consumer looking for help to save my property. This property was a post-divorce property settlement issue and my ex-spouse continued to live there after our divorce in XXXX, allowed the house to fall close to foreclosure XXXX or XXXX times, then stopped paying altogether in XXXX. He and I went to court so I could simply request the property be listed for sale and he objected ( while not paying mortgage and I paid rent somewhere else ) so we went to the XXXX Superior Court, XXXX Civil Supreme and XXXX Appellate then XXXX eviction court. I kept Chase apprised of my intent to deed the house over to them and they kept telling me to continue with the litigation and they 'would work with me '. I won in each state and spent well over {$35000.00} of my own personal money to get the deadbeat evicted for Chase, listed it for short sale in XXXX with a realtor per their request for one year, then after the contract expired I kept up with the modification paperwork as I never heard from them, and now this very upsetting final ending. I am disgusted that Chase would steal my home from me while in the middle of a loan modification. I protested via fax before the house was actually foreclosed as we were/are in the middle of a modification. I am the sole deed-holder ( or was ) and just called FHA and they said even though I had contacted them in the past, they did not have this property on their records. I heard of a case in XXXX where a woman is suing Chase for the very same thing so I sense a 'pattern of bait-and-switch modification agreements to avoid foreclosure ' and feel obliged to report their very bad processes and behavior regarding my loan. I have plenty of documentation to share my story when ready - too much to go through after dealing with that 'bank '.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (MI).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have never opened this account

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I have multiple dispute issues with XXXX and TransUnion that are not being corrected per the FCRA. I 've consulted with my attorney and was notified that neither the credit bureaus or the creditors have the right to report disputed information that has not been legally verified. I 've researched and found XXXX V TRANSUNION XX/XX/XXXX, wherein Congress states that the only legal form of verification per the FCRA is possessing and producing proof of their claim. Otherwise, it 's only hearsay. Congress further states that the burden of proof is on the creditors and credit bureaus - NOT the consumer. 

Here is my dispute to XXXX and TransUnion for XXXX XXXX ( below ). Due to the fact that no legal proof was produced to verify this late payment on XX/XX/XXXX, this account must be deleted immediately : Im well aware that my credit report is showing inaccurate items, and Im appalled at the so-called investigations that have been performed on my behalf. Ive consulted with my attorney and have been informed that without the physical documentation to back up your claim that this has been verified, it does not meet the requirements of the FCRA. Ive disputed directly with the creditor as well and was told that at no time was any documentation sent to you to validate my disputes. How can this be verified? The only legal verification for this supposed late payment on XX/XX/XXXX would be for you to furnish XXXX bank  statement proving when my payment was accepted.. Congress states in XXXX v TRANSUNION XX/XX/XXXX, that the burden of proof is on the credit bureaus and creditors to verify and not the consumer. Please see the enclosed 6-page lawsuit which outlines my proof. 

This account must immediately be deleted at once, in consideration of the fact that you never legally verified this unverifiable late payment. 

Any correspondence received to and from you will be made available to my attorney as well.

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 08-06-2017 about Debt collection (Other debt) with Allied Interstate LLC (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Allied Interstate, LLC is attempting to collect a debt on behalf of XXXX XXXX. Section 392.101 of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. Currently, Allied Interstate, LLC of XXXX, Virginia has not obtained a surety bond with the Texas Office of the Secretary of State. The debt collector that has contacted me does not have an active surety bond, therefore, they are illegally attempting to collect debt in Texas.

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 12/14/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (VA).
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint: XX/XX/XXXX - Applied online ONCE for Barclay Card/XXXX XXXX XXXX card ; immediate approval shown online for {$20000.00} Limit ; there was no time out or multiple submission XX/XX/XXXX - SIX separate mailings arrived with SIX separate card numbers and welcome packets XX/XX/XXXX - Two calls to Barclay ; both associates stated they had never seen this situation, authorization to speak with my wife ; left vmail with reference number XX/XX/XXXX - Called Barclay back ; numerous associates could not assist initially with issue ; explained primary concern is that this will impact Credit Bureau Reporting and requesting in writing the resolution - one unhelpful associate even said they do n't report to Credit Bureau and I had to say that could not be accurate. Finally another associate stated all other cards were closed except the one card ending in XXXX ; made one purchase online to satisfy promotional requirement of one purchase to obtain the XXXX XXXX XXXX miles promotion XX/XX/XXXX - Received SIX welcome emails between XXXX and XXXX ; the FIVE other cards could not have been closed. 

Attached : picture of all SIX welcome packets and cards as well as screen shots of the SIX welcome emails ( two days after told other FIVE cards were closed )

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 03/23/2017 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I attempted to call and resolve and open balance I have with XXXX. I was trying to clarify exactly what I was being billed for as I had satisfied my out of pocket debt on this already. The hospital re-routed me to Central Financial Control to a Debt Collector named XXXX, ID # XXXX. 

I was confused as to why account was in collections in the first place. I asked him for clarification of what this bill was and told me it was for a hospital visit under Physican ( left blank for privacy ). This made no sense to me as this physician does not work at this hospital and is in fact my doctor at a completely different private practice called ( left blank for privacy ). 

I asked for a detailed summary of the charges and the collector said he would send me to me. All was fine here until he decided to tell me that he would be reporting this on my credit history. I asked why he was threatening me before providing the requisite details and he then proceeded to tell me that If I did not satisfy my debt that my credit would be affected. 

I simply wanted full disclosure and clarification on my debt before paying as I believe it is not correct. I feel his tactic was a veiled threat and that was acting outside of the parameters of his job. Because he provided incorrect information on doctors and visit dates, along with threatening my credit, I feel he attempted to force me into payment without following proper procedure. 

To be clear, I pay my debts. In this case I feel there is a mistake and do not appreciate threats from debt collectors.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: On XXXX/XXXX/2016 I submitted Identity theft papers to experian consisting of my FTC Affidavit, Police Report and some other documents supporting my claim. Today is XXXX/XXXX/2016 and the creditors XXXX and XXXX which are the same company is still reporting on my credit report after I sent in my identity theft documents explaning how them XXXX accounts do not belong to me. I also sent XXXX XXXX and XXXX a copy too, and By Law since I sent them a copy of the FTC Affidavit and Police Report them items suppose to be blocked by the credit reporting agencies and also the creditors for supplying them with that pertinent information. The Law States : If a Furnisher learns that it has furnished inaccurate information due to identity theft, It must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information XXXX 
When any furnisher of information is notified pursuant to the procedures set forth in XXXX XXXX that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. 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 08/14/2017 about Debt collection (Medical debt) with Capital Accounts, LLC (TN).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I was contacted on XX/XX/XXXX concerning a medical bill by Capitol Accounts. I sent the company a certified letter on XX/XX/XXXX to the address they provided via email to dispute this bill. I also responded via email on XX/XX/XXXX stating I would be disputing pending verification and that I would follow up with a certified letter. I have not received a confirmation that they have received my letter. Now they have put it on my credit report without providing me with any proof of this bill and my liability. This is illegal since I disputed within the 30 day period

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2017 about Debt collection (I do not know) with ONEMAIN FINANCIAL HOLDINGS, LLC. (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I disputed this account with OneMain Financial in XXXX and once I disputed the account in 30 to 45 days the account was remove from all three credit report. It been off for four years and now it 's been put back on all three credit report on XX/XX/XXXX.It have been off for four years. They did n't give me notice of the account been put back on my reports which were remove from my reports. I also ask for copy of the agreement which they response to correspondence received from OneMain Holding, INC or one of its affiliates.I have the letter.I told them that my personal information was lost are stolen but someone use my personal information. It was use to obtain good and service. And spoke with someone on XX/XX/XXXX validate the Account # XXXX.It 's in the letter I have sent to you.

Company response to consumer: Closed with explanation