milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/21/2017 about Debt collection (Medical) with Consumer Collection Management. Inc (MO).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: On XX/XX/2017 I sent a letter to Consumer Collection Management asking for this company to verify the alleged debt that is said I owe from a XXXX visit. I received a letter stating that the balance was confirmed, but I received no validation requested. I have already contacted the credit bureaus concerning this issue.. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore, my request is twofold -- validation of debt and HIPAA authorization. Requests made to this company were to : Please provide 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. Consumer Collection Management failed to comply.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2015 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (NJ).
Issue: Other transaction issues

Complaint: PAYPAL. 
On XXXX XXXX I opened a Paypal account in order to transfer funds to a friend who had pre-booked for a large group dinner at a XXXX restaurant in XXXX NJ on XXXX XXXX. My friend asked to be paid by XXXX XXXX to pay the restaurant deposit. 

I received an email from PayPal on XXXX XXXX saying that the payment was pending review due to government regulations and would be completed within 72 hours. ie by XXXX XXXX. 
On XXXX XXXX I checked my PAYPAL account and still the payment was sitting on pending. I called the Call Center, after waiting 30 minutes I eventually was put in touch with someone who then wrote a comment on the transaction and then escalated and said it would take ANOTHER 72 hours to be processed. ie by XXXX XXXX. 

It is now XXXX XXXX and the transaction is still sitting on Pending. 
And now I am going to pay my friend in cash when I see her, but I am unable to cancel the transaction, which means if the transaction is finally approved she is going to owe me money as she 's been paid twice! 

This is absolutely ridiculous, I 'm going to a restaurant in New Jersey that makes XXXX food!! XXXX is no longer such a hot topic, most recently relations between XXXX & XXXX have normalised but that is irrelevant anyway, I am going to a restaurant in XXXX!! 
How can a review of payment to a friend take so ridiculously long, it is unacceptable that they said 72 hours XXXX times and XXXX times PAYPAL failed on this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/29/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (SC).
Issue: Loan servicing, payments, escrow account

Complaint: OCWEN missaplied XXXX mortgage payments to XXXX payment due date, and they are reporting that we are 2 months in arrears. OCWEN purchased our loan 25 months ago, and we have XXXX cleared checks to them and a record of timely payments. They made entry errors on our loan, but are accusing us of being in behind -- and reporting that to the credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2015 about Debt collection (Payday loan) with Accelerated Financial Solutions, LLC (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The third party collection agency is reporting inaccurate information to each of the credit bureaus ( XXXX, XXXX & XXXX ). This company has re-aged an account listed to reflect a recent collection of XX/XX/XXXX and continues to report this falsified information even after one of their representatives has verified the original date of delinquency of XX/XX/XXXX which confirms that the correct information is on file but because the statue of limitations to sue would be expired the company is intentionally re-aging the account. I have disputed this account several times but it keeps being reported. It was originally disputed 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 03-01-2016 about Debt collection (Medical) with Receivables Management Partners, LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XXXX XXXX, XXXX, I disputed a collection item listed on my XXXX credit report for Financial Control Services ( XXXX XXXX XXXX. ), last reported XXXX XXXX, XXXX in the amount of {$250.00} through Experian, control number XXXX. At this point in time, the investigation is ongoing. 

I was alerted to a change in my credit report by a monitoring service. The change to my credit report included a new collection item from Financial Control Services last reported XXXX XXXX, XXXX in the amount of {$250.00}. 

I believe that this new item was added in an effort to circumvent the Fair Credit Reporting Act. I believe Financial Control Services ' and XXXX XXXX XXXX 's intent was to allow the CRA to delete the original dispute to avoid having to complete a reasonable investigation as dictated by FCRA by inserting the new collection item. 

The new item reported on XXXX XXXX, XXXX was disputed with Equifax, control number XXXX. In addition, I submitted a complaint with the CFPB regarding the duplicate collection item and XXXX lack of controls that allowed a data furnisher to report a duplicate collection item while the original item is currently under investigation, CFPB complaint number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2017 about Credit card () with CITIBANK, N.A. (NC).
Issue: Billing disputes

Complaint: On XX/XX/XXXX, I purchase a watch for my daughter at Bloomingdales in XXXX while on business. The sales rep said that if I opened an account that I would get a 25 % discount. I wanted to pay cash and she told me that I could go to the credit department and pay it off. There is not a Bloomingdales in XXXX and I knew that I would not use the card again since that is not somewhere that I shop. When I went to the credit department to pay off the account ( amount of the watch ), I was told that I had to wait for the bill to pay it. By XX/XX/XXXX I had not gotten a bill. I was told that I was late but still no bill. I paid it off XX/XX/XXXX ; asked that they close my account ; and disputed the credit with Bloomingdale as well as the credit bureau. They said the account could not be closed until the payment posted. There was only XXXX transaction that was ever charged on this account and it was the original transaction the date the account was opened. 
The account is still in dispute for being late and I wrote a letter on complaint for Unfair and Deceptive Practices for the way in which the account was opened. On XX/XX/XXXX I tried to get a loan and was denied due to this disputed item still on credit bureau.

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 03-01-2016 about Credit card () with SYNCHRONY FINANCIAL (ME).
Issue: Customer service / Customer relations

Complaint: I would like to file a complaint about a representative I spoke with while trying to get help during a financial hardship. I was nervous to call because I am behind on payments. I explained my situation. I told the rep " I went through a messy divorce this past year and I 'm trying to get back on top of my bills. '' The representative seemed sympathetic at first but then said, I do n't know if I should congratulate you. What type of response is that? This made me extremely emotional and I could barely speak to get through the rest of the call. No, I do n't want a congratulations. I am left broke with a XXXX-year-old little girl. I am willing to pay towards my balance, however, the representative had XXXX personality and did very little to offer any help. I ended the call in complete tears.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/19/2017 about Mortgage (Conventional home mortgage) with FREEDOM MORTGAGE COMPANY (UT).
Issue: Problem with a credit reporting company's investigation into an existing problem

Complaint: On XX/XX/XXXX a principal and interest payment was paid in the amount of {$970.00} for my XX/XX/XXXX principal and interest payment. I understand that my principal interest taxes and insurance ( PITI ) payment is a total of {$1200.00}. My escrow balance due for the month of XXXX was paid on XX/XX/XXXX completing my XXXX escrow payment. When my loan was originated I promised to pay a certain amount for principal and interest each month to avoid any foreclosures and added interest that may accrue, and I have committed to that agreement since origination. A mortgage company is unable to pursue foreclosure on unpaid escrow so why are they able to report to the credit bureaus negatively when the escrow balance was not paid? 

Per my credit reporting Freedom Mortgage reported me as a 30 day delinquent because my payment ( PITI ) was not paid for the month of XXXX ; however, on my report it showed that I was in the arrears of over {$2200.00} which is not correct as they stated in their response dated XX/XX/XXXX ( which I just received on XXXX ) that my payment of {$1200.00} is the full payment for the month of XXXX. When i initially wrote to Freedom Mortgage I advised that my principal and interest payment was paid prior to the reporting date to the bureaus as well as my escrow payment was also paid for the month of XXXX prior to them reporting to the bureaus and asked that the revise their reporting and report the month for XX/XX/XXXXas current because the principal and interest payment was paid on time. Unfortunately, they declined my request, and provided me a response. 

Please help me with the following : 1- Update my credit report for the month of XXXX to current as the principal and interest payment was paid in the month that it was due. 
2- Explain to me how the credit bureau is showing a delinquent amount owed for over {$2200.00} when my payment is almost half of that. 
3- Explain to me how the mortgage company can not foreclose on unpaid escrow but they are able to report negative on a credit report if the principal and interest payment was paid but not the escrow portion of their payment.

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 05-06-2015 about Consumer Loan (Installment loan) with PIONEER CREDIT COMPANY, INC. (KY).
Issue: Taking out the loan or lease

Complaint: I got a letter in the mail from Pioneer Credit Company that that had an actual check for a loan that they created pending deposit of the check or cashing the check. If this got lost in the mail this could 've hurt my credit. Anyone could 've cashed this

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2016 about Mortgage (Conventional fixed mortgage) with Evergreen Moneysource Mortgage Company (CA).
Issue: Application, originator, mortgage broker

Complaint: I came to Evergreen Home Loans, specifically XXXX XXXX in XXXX because she was highly recommended by XXXX in XXXX. I filled out the loan application online. I was prequalified in a few weeks which was too long, and ultimately became too long for the purchase of the property. XXXX took 6 weeks to send out the disclosures for the loan application from 6 weeks earlier. I had received no information as to all the fees and expenses to getting a loan. I was forced to sign them even though the data was out of date. I was also forced to use my married name which was no longer my name since my divorce. She complained that she had too many loans to process and did n't have time. I learned along the way that the loan priority was whoever complained more and was close to their closing date received more priority. So far, this I professionalism was quite obvious and the situation became even worse. 
She rarely returned phone calls. If she did, it was so I could resend the original documentation for the third time or to ask me to verbally repeat information that she forgot. She gave me no answers to my questions and the any documentation had incorrect information which she believed was the truth. Her staff was incompetent especially XXXX XXXX. She asked me to sign the new disclosures in her office after I flew out from California. They were incorrect again so I went back home to XXXX. She and her staff do n't know how to be organized or professional. She forgot about my closing of XXXX XXXX. I reminded her, but she never picked up the phone and XXXX was too incompetent to deliver the message. I lost the house because of her. She did a " bait and switch '' at closing, assuming that I would accept it. I would n't take the loan. I spent thousands of dollars on travel to this house. For what? Unethical treatment and behavior. She obviously had no clue how to handle the loan along with her staff and confused her loan processor. I have XXXX witnesses who will give testimony to her questional unprofessional and unethical dealings. I contacted XXXX XXXX, her boss, who ignored me with concrete answers to my complaint. I later got financing elsewhere for a fabulous home and closed within 30 days. I began working with her XXXX in XXXX and the house never closed. Is this really acceptable? We know that it is not appropriate and there are competent loan officers out there.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2015 about Debt collection (Medical) with J&L Collection Services (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Debt was sent to collections, rather than bill the insurance. Grievance was filed with insurance, and updated amount was paid. Debt collector has old outdated info, from before the insurance was contacted. Still trying to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: After receiving an email alert from XXXX XXXX, on XX/XX/XXXX, I noticed a negative mark on my credit report, from XXXX, XXXX XXXX and XXXX, reported by Diversified Consultants, Inc. XXXX. XXXX XXXX XXXX, FL. XXXX ( XXXX ) XXXX. I immediately called them and spoke with XXXX XXXX, who did not provide me with an employee ID, and was told that my social security number was attached to the following address : XXXX XXXX XXXX XXXX, IL. XXXX. I told him that this address is not mine nor ever was my address which must be a fraudulent address. XXXX XXXX then told me to call XXXX XXXX Fraud department at ( XXXX ) XXXX, which I did and talked to a XXXX XXXX, who also did not provide me an employee ID and she filled out some form and said I would receive something in the mail which I would have to fill out and mail back. I then asked if this is an XXXX XXXX account, why is Diversified Consultants, Inc. reporting on my credit report. XXXX said that she had no idea but that the fraud department would handle it from here. XXXX XXXX had told me that this account was opened on XX/XX/XXXX, so why is Diversified Consultants, Inc. reporting a 10-year-old account that isnt even mine on my credit report? Ive also never received any letters or any other information about this account which has my name and social security number attached to it. So I am asking Diversified Consultants, Inc. to  verify this alleged debt as required by the Fair Debt Collection Practices Act or remove it immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I called Experian to update my personal information and an address (   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , ga  XXXX  ) that does not belong to me could not be removed. The agent stated that it is linked to an account (  XXXX   XXXX   XXXX ,   XXXX   ) that does not belong to me.

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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WI).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. Very little was done to notify the public for nearly a month after the breach was detected - I received no email, letter, or phone call and instead had to discover it via social media on XXXX XXXX, 2017.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Trans union, XXXX, and XXXX keep reporting XXXX  on Credit, XXXX  XXXX XXXX XXXX and XXXX XXXX  as bad marks on my credit files. I dipute all of these in the past and they were removed. They just change the name of the debt collectors and re report it.

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 06/29/2017 about Vehicle loan or lease (Lease) with FORD MOTOR CREDIT CO. (UT).
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint: OnXX/XX/XXXX I did an early buyout on my XX/XX/XXXX F-150. On XXXX XXXX, Ford still took the payment out of my account but this was normal since I was so close to the billing date. I contacted Ford Credit on or around XX/XX/XXXX and was told that they would send me a check for the XXXX dollars. On or aroundXX/XX/XXXX, I still had not received payment so I contacted Ford Credit again. They claimed that the dealership had not made the last two payments so I still had one more payment owing. I contacted the dealership and they were able to show that they had indeed paid the last two payments. The dealership contacted Ford Credit and then called me back and said I should expect a check. OnXX/XX/XXXX I called and was told that I would be receiving a check for XXXX dollars due to excess wear and tear ... .I bought the vehicle outright and the dealership had sent the excess wear and tear waiver at the time I bought it but Ford Credit wo n't actually talk to the dealership and wants me to do all the work even though it is their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (TX).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: Wells Fargo is stacking charges to where you get the max overdraft fees, they authorize gas transactions at the pump for   XXXX   so you get with a {$35.00} fee.  XXXX  get pre approved and f all of that night and wait till the account is under that amount before posting it without showing it pending or give you a chance to make a deposit to cover it. Very disappointed with these practices

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 11/15/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (FL).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: My husband and I have a XXXX XXXX credit card for XXXX years more or less.One day my son told me if I new what account care was while going over my statement and if I new that I was paying for it, I said no I do n't know anything about it. this was around XXXX and my husband of 45 year has XXXX  away and my son was looking at all of my financials. 
I told my son to call XXXX XXXX card to cancel the account care service to no avail, my son called many times. So I was forced to pay for all those years even after I was aware of it. 
I want to know if I have rights from the award that XXXX XXXX XXXX card awarded it to their costumers for fraudulent account practices. 
Please respond at your earliest convenience. Sincerely. Yours Truly.

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 12/15/2017 about Debt collection (Credit card debt) with Alliance Data Card Services (ME).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: On or about XX/XX/XXXX, I requested my account closed, due to overwhelming debt. I explain my current situation, and explained I will not be able to pay until the spring of XX/XX/XXXX.  I was informed I could not enter into a payment plan, due to me only being between 30 and 60 days late on my payments. I also instructed the representative I hereby wished calls to no longer made to my number, and all future responses be conducted by postal mail. On or about XX/XX/XXXX, I again asked for the account to be closed, and I again stated my financial situation, and requested the phone calls halt, and for all communications to be conducted via postal mail. Also, the represenative stated I could sell items i purchased on XXXX. I found that as a personal insult. On or about XX/XX/XXXX, I  received 10 phone calls from XXXX. After my wife 's phone was contacted, I contacted the number back, and spoke with XXXX, who explained to me my account was still open, as well as there were no notations in my account. I requested a supervisor, and was informed it would be a minimum of a 15 minute hold. I requested for a supervisor to call me back.

Company response to consumer: Closed with explanation