milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/27/2017 about Debt collection (Medical) with Hayt Hayt & Landau, P.L. (FL) (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have been making payments on a hospital bill ( I should have disputed this bill from the start. ) XXXX to a debt collector since XXXX I have made regular monthly payments of XXXX.for 48 months At the end of XXXX I sent a check for the final payment on the account and they said ... .oh no wait a minute you still owe us XXXX. I stated I did not owe that and they informed me that they refiled a judgement back in XXXX since I missed several payments. This was the first I was notified of this.They never called or notified us that these payments were not received and that now they filed additional paperwork to inflate the balance to over XXXX still owed. They garnished my personal joint bank account with my wife who has battled XXXX for 17 months and garnished my very small business account. They took every cent from these accounts and never returned my calls since XXXX about my disute of not owing this balance. I have requested bank records from my bank. I have looked online and found many complaints and lawsuits against this debt collector Hayt Hayt and Landau, 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 11/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ACS Education Services (TN).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: this account is stating that 100 % of the loan is paid, but it has periods where it was reported late. When it was reported late the loan was in deferment. I need them to change the late payments to all paid and this account should go under satisfactory accounts and not possible adverse accounts. 

You 've paid off 100 % of your student loan amount. 
Balance {$0.00} Highest Balance {$26000.00} Monthly payment {$50.00} Opened XXXX XXXX, XXXX XXXX XXXX yrs, XXXX mos ) Term 120 months Payment History Youve made 44 % of payments for this account on time. 
XXXX F M A M J J A XXXX O XXXX D XXXX XXXX XXXX Last payment XXXX XXXX, XXXX Current Payment Status Current Worst Payment Status XXXX Days Late Account Details Account status Closed Type Student Responsibility Individual Remarks Dispute resolved ; customer disagrees Worst payment status XXXX Days Late Times XXXX/XXXX/XXXX days late XXXX/XXXX/XXXX Closed XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have been dispute the negative accounts on my report over the past year with the credit bureaus. The information is continuously coming back as verified. I have asked about their verification or investigation process as well as proof of verification and yet I have n't received any information regarding this.

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 11/16/2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: This letter is a formal complaint that you are reporting inaccurate credit information According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( 611 ) ( a ) ( 7 ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof. 
I demand the following accounts be verified or removed immediately. 
XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2016 about Mortgage (FHA mortgage) with Ditech Financial LLC (NV).
Issue: Loan modification,collection,foreclosure

Complaint: Charged conveince fees and never fulfilled their end of helping me with loan modifacation or assuming the loan from the trust. Threats of forclosure while in process of catching up on missed payments and being charged fees for checks and post dated checks [ suggested by them ] to stop foreclosure added in to the hundreds of dollars. Late fees were always there even when they had the funds in hand they said that funds must clear instition before due date.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (IL).
Issue: Closing on a mortgage

Complaint: I applied for an FHA mortgage with XXXX XXXX XXXX XXXX An Illinois Corporation and closed on XX/XX/XXXX. I was given a TILA but no Right to Cancel or Rescission Letter. I only discovered this on XX/XX/XXXX due to XXXX XXXX  XXXX, XXXX. attorney 's providing me with initial mortgage documentation. 

I am currently in litigation with XXXX XXXX  XXXX, XXXX, trustee of my loan since XX/XX/XXXX. I am in Foreclosure Court and informed the judge and opposing counsel that I never received an Right to Cancel/Rescission Letter. Attorney XXXX XXXX of XXXX XXXX, XXXX, for XXXX XXXX XXXX, XXXX. stated, " I was time barred '' and Judge XXXX dismissed my request to Amend Count VI - TILA Violation of my Second Amended Counterclaim. I never knew about a Right to Cancel or Rescind Letter until a lawyer informed me of it in 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
Consumer complaint received 08-02-2017 about Payday loan, title loan, or personal loan (Payday loan) with CURO Intermediate Holdings (TX).
Issue: Charged fees or interest you didn't expect

Complaint: Went to XXXX XXXX XXXX XXXX XXXX XXXX, TX. XXXX, borrowed XXXX never informed of interest rate, or given copies of loan agreement, told I would have a 1 time cab fee on my first payment, Appird for loan in XX/XX/XXXX 2017- paid XXXX every month, credited with {$110.00}, told pay off amount was more than the original loan - {$910.00}, charged cab fees every month but did show on my payment receipts - I have paid almost the entire amount but still owe XXXX however if I pay it off I have to pay XXXX, total loan amount comes toXXXX twice the amount I borrowed, I am on social security so my payments were scheduled every month on the XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Experian continues to report on my credit file that I have lived in Oklahoma. I have never lived in that XXXX state!

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 05/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Southwest Recovery Services, Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Reviewing my  XXXX  credit report and it is showing an account by  SOUTHWEST RECOVERY  SERVICES WITH REPRESENTING CREDITOR  XXXX   XXXX  I have never done business with this company . Southwest Recovery i s not even licensed and bonded in the state of texas and the information need to be removed IMMEDIATELY.  XXXX   XXXX  is also reporting on   XXXX    and   XXXX   and need to be deleted as well immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2017 about Debt collection (Credit card debt) with Law Offices of Robert J. Colclough, III (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: Robert Colclough, III attorney has obtained a judgment in  XX/XX/XXXX  ( that I was never served a summons for, nor did I get any kind of communication that I was being sued ) for a credit card debt that was charged off in  XX/XX/XXXX . He recently obtained an earnings withholding order to garnish my wages. My issue is that according to the statute of limitations in California, he should n't have been able to obtain the judgment, secondly I sent him a letter last  XX/XX/XXXX  stating I wanted the original creditor 's signed agreement with me, all charges obtained with that credit card, and  a breakdown of the total amounts due. He neglected to provide any of those things that by law I am entitled to. According to the Fair Debt Collection Practices my rights have been violated and I want recourse. I am pursuing ever y legal avenue ava ilable to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I have a relative who is an XXXX at the XXXX XXXX XXXX in XXXX XXXX PA and I have been making periodic deposits into an XXXX account system called Jail ATM. I make those payments on line using my Bank of America XXXX XXXX. On or about XX/XX/XXXX, I received my Bank of America statement. I made a total of four deposits to Jail ATM ranging from {$15.00} to {$25.00}. Added to each payment is a processing fee of {$3.00}. 
I have made similar payments in the past through a different system called XXXX XXXX with the same card and had no issues. However, the recent bill classified each deposit as a " Bank Cash Advance '' and charged a transaction fee of {$10.00} for each plus a minimum interest charge of  {$1.00}. In the end, my total fee for providing the inmate with a {$25.00} deposit was {$14.00}. This is outrageous and predatory. It preys on families who are more likely to be struggling financially, yet need to provide for their loved ones with a small amount of assistance so they can make phone calls, buy food or simply purchase paper and stamps to write home. It is unbelievable to me that this is allowed to happen. 
On XX/XX/XXXX, I called Bank of America and spoke with both a representative and a supervisor. I pointed out my past experience when this was not considered a cash advance and questioned how this was any different than the contribution I made for hurricane relief on the same credit card statement. The response seemed to be that they treat this the same as my withdrawal of cash using my credit card at an ATM. The supervisor said he could waive some of the fees but not all. On XX/XX/XXXX,  I called the XXXX XXXX XXXX to determine my options for depositing funds. They are limited to credit or debit cards or depositing cash directly into a kiosk at the prison - two counties and two mountain ranges away. On XX/XX/XXXX, I also called Jail ATM ( XXXX ) and they stated their terms and conditions do state that fees may be charged but those fees are completely separate from their {$3.00} processing fee. They responded that the difference from my past experience is that Jail ATM makes the money available to the inmate within 24 hours. They do not wait for it to clear which can take days.

Attached are two Bank of America statements - one with transaction fees and one without. Please excuse my scribbled notes on the attachments.

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 07-07-2016 about Credit card () with CITIBANK, N.A. (UT).
Issue: Customer service / Customer relations

Complaint: I have called customer service trying to get a matter resolved. I have made 4 calls. The first call I was on line 45+ minutes and got someone and they transferred me. I waited for at least 20 minutes and did n't hear from anyone and hungup. Next, I called back. Another 45+ minutes to get matter resolved. No answer. Called again and about 40-50 minutes I got someone. They apparently were over worked and as they were not good to work with at the time. I am on the phone again today, I received someone on the phone in 33 minutes. They put me on hold again and I have been another 25 minutes and still no one back on the line. This is such a poorly run credit service. Please find out what the heck is going on. 
A very disappointed Customer. 
XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: BACK IN 2015 I WAS A VICTIM OF A ROBBERY AND I WAS INJURED. I HAD NO INSURANCE. WHEN I WAS SEEN AT THE HOSPITAL A LADY FROM PATIENT SERVICES CAME INTO MY ROOM AND ASKED FOR INSURANCE INFORMATION I ADVISED I DIDNT HAVE ANY. SHE SAID I WOULD QUALIFY FOR A CHARITY CARE AND ALSO TO GO AND APPLY FOR A XXXX CARD. AND THEY WILL COVER THE BILL. I APPLIED FOR A XXXX CARD AND RECEIVE IT. I WAS TOLD THAT XXXX WILL GO BACK AND PAY THE DR. BILL FROM MY INJURY. I TRIED CALLING THE DR . OFFICE XXXX XXXX XXXX XXXX AND I WAS GIVEN THE RUN AROUND. THE LADIES IN THE OFFICE KEPT SAYING SOMEONE WILL CALL ME BACK AND NEVER DID. I ASSUMED EVERYTHING WAS OJ SINCE I HAD LEFT MY XXXX INFO WITH ONE OF THE LADIES IN THE OFFICE. SO ABOUT A FEW MONTHS LATER A COLLECTION AGENCY CALLED ME ABOUT THE BILL AND I EXPLAINED TO THEM THAT I GAVE THE DR. OFFICE MY XXXX CARD INFO FOR THE BILL AND I ASSUME EVERYTHING WAS TAKEN CARE OF. I TRIED TO GIVE THE COLLECTION AGENCY MY CARD INFO FOR XXXX THEY WERE RUDE AND WASNT HEARING IT. THEY WANTED MONEY. IT IS NOT MY FAULT THAT THE XXXX INFO WASNT FILED IN A TIMELY MANNER. AND THIS BALANCE SHOULD NOT BE ON MY CREDIT REPORT. THE COMPANY FELL TO FILE WITH XXXX IN A TIMELY MANNER

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 05-10-2016 about Debt collection (Credit card) with COMMERCE BANK (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: This was discharged in BK in XX/XX/XXXX. However, as of XXXX XXXX they are reporting late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I do n't know about this debt

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with FAIR COLLECTIONS & OUTSOURCING, INC. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I requested that a comment entered on my credit report at each of the XXXX credit bureau that I disputed the debt. The entry was made at XXXX and XXXX, but not XXXX. I applied to rent and apartment at XXXX different locations in XXXX, FL and my applications were denied for rental. I found out that the apartments pulled my credit report from XXXX. I believed that I was denied the opportunity to rent because of the dispute not recorded. I also lost {$120.00} fee for the background check.

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 02/28/2018 about Debt collection (Payday loan debt) with Ad Astra Recovery Services Inc (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: A payday loan was taken out in my name. I have asked several times in the last 2 years to please stop calling me. At one point they admitted the charges were likely fraud but I still owed a debt and needed to pay. The company name is Ad Astra Recovery Services.

Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
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 on more than two occasions requested that Experian and XXXX remove an alleged bankruptcy which they are reporting under my name in my their credit files. Letters which have been composed by me have repeatedly asked them to validate and verify the alleged bankruptcy and both companies have corresponded that the bankruptcy has been verified from the company which provided the information to them. The company which they are speaking of is XXXX XXXX and that company has no such bankruptcy listed in my file. I have received a copy of my XXXX XXXX file and see no such information within their database. On another level of complaint with the same erroneous and alleged bankruptcy information, according to the new law effective XXXX XXXX, XXXX any public record data must include name and address as well as social security number or date of birth in order for it to appear in your credit file. Experian ( Report # XXXX, dated XXXX XXXX, XXXX ) and XXXX ( File # XXXX, dated XXXX XXXX, XXXX ) have not provided this information on the credit report that they maintain in my name. This is a violation of the new law. Because I have repeatedly inquired with both companies and they have both claimed that it is verified, the erroneous information does not have the minimum required information listed in this alleged bankruptcy, and they are not willing to do the proper investigation into this matter, I am requesting your assistance with this issue. I have credit file documents ( provided here ), certified and return receipt mailings from the United States Postal Service ( provided upon request ) tofurther solidify my complain which I am presenting. I am very frustrated with both companies and their lack of diligence and because this incorrect information is being reported, offers are not being executed. There is no such bankruptcy being reported on XXXX and XXXX ( both provided here ) and  this information was also sent to the two credit bureaus 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 10-10-2016 about Mortgage (VA mortgage) with PENNYMAC LOAN SERVICES, LLC. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX XXXX has been working with servicer, PennyMac, for over four years trying to accomplish a short sale or a deed in lieu. XXXX first contacted her mortgage servicer when her hardship began to avoid foreclosure and find a resolution that benefited all parties involved. Upon review of the short sale in XXXX, PennyMac declined the short sale and encouraged XXXX to complete a deed in lieu of foreclosure instead. Upon completion of the DIL review, PennyMac then advised XXXX to re-list the property as a short sale and attempt the short sale. This was incredibly misleading as the previous buyer walked when the short sale was declined. Now, years have gone by without resolution on the debt and PennyMac 's unwillingness to work with her has caused the property to go into foreclosure. Once again in XXXX, the property was listed for sale via a short sale and an offer was received on the property. We ultimately had to dispute the value set forth by the VA and we had an agreed upon adjusted value and offer in the amount of XXXX. PennyMac then issued a decline on the XXXX offer stating that the net proceeds were unacceptable due to the deficiency on the loan. We reached out to the VA and they confirmed that PennyMac 's decline does not abide by VA servicing guide and that the servicer, PennyMac, should have accepted the short sale offer on the property. Please see attachment. Since XXXX XXXX, we have been unable to get answers on PennyMac 's short sale decline. The court agreed to cancel the foreclosure sale date of XXXX and reset the sale date to XXXX to allow additional time to close on the short sale. The foreclosure sale date is now re-approaching and we have not gotten anywhere with PennyMac. They have encouraged XXXX, yet again, to apply for a deed in lieu. There is a decent offer on the property which should have been accepted back in XXXX. It is clear that PennyMac is not willing to work with this homeowner who is clearly trying to avoid foreclosure and find a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2016 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Bank of America Mortgage Account # XXXX failed to report to the credit bureaus ( XXXX, XXXX and XXXX ) that they foreclosured on my mortgage in XXXX They also reported incorrect past due {$58000.00} as the past is only based on the Notice of Intent to accelerate the Mortgage. The past due from acceleration is {$2900.00} not {$58000.00}. See their Notice of Acceleration letter. XXXX the account was accelerated the principal balance is also due. It is illegal to report monthly past due after foreclosure in XXXX XXXX, XXXX. 
They also reported incorrect information to ( XXXX, XXXX and XXXX ) as they stated the account was 180 days past due. The account history of past due was the Mortgage Foreclosure amount {$2900.00}. 
The also reported to ( XXXX, XXXX and XXXX ) the account is still past due in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. This in correct as once the Foreclosure filing was filed in the court. The monthly past due history is not applicable.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2017 about Debt collection (I do not know) with RentDebt Automated Collections, LLC (AL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: well a company is trying to say i owe them a balance of XXXX from past due rent and property damage but they fail to provide evidence of the damages its just word of mouth

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation