milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NCC Business Services, Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I was a resident of XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX XXXX Fl XXXX from XX/XX/XXXX to XX/XX/XXXX - - Upon moving suddenly due to a job loss, I was told I owed an egregious amount ( XXXX ) that I am not acknowledging or accepting without proper documentation on behalf of XXXX XXXX. On XX/XX/XXXX I sent my first email to the property asking for clarity on the charges and documentation on how this incorrect number was put together, I did not get a response.. I submitted a letter to XXXX XXXX XXXX on XX/XX/XXXX ( I have receipts etc ) - after reaching out for weeks and months via phone and email to no avail- In this letter I submitted photographic evidence of the state of the apartment before and after my occupancy and requested a delay in credit reporting due to what I'm sure was mistake in accounting. A few days later I received notification via a delivery receipt that XXXX XXXX had indeed received my letter, I also received a credit alert stating I now had an open account in collections in the amount of XXXX. Very Very shortly after on XX/XX/XXXX, I finally receive an email from the property manager -XXXX XXXX- now informing me that they had made a mistake and that the correct balance is actually XXXX. Which is a very far cry from XXXX - I did receive a breakdown to how that number was formulated but after this circus I am not sure of these charges either. Naturally, I am very apprehensive about if this number is correct, especially since if I would have been told the " correct '' number I very easily could have paid, but I was unwilling to send 1700+ at the wim of simply being told that is what i owed, when I knew the contrary. I feel XXXX XXXX is practicing shady business ethics and I am requesting receipts for the " Tile/Grout cleaning, Broken Blind replacement, carpet replacement, and drip pans '' - I am also requesting this be removed completely off of my credit report, largely in part to me being given incorrect information after repeatedly calling to get the correct information to avoid this hoopla. I am needing to find a home for myself and my son, and this extreme hindrance is not only very inconvenient, I'm pretty sure it is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2016 about Bank account or service (Checking account) with PNC Bank N.A. (MA).
Issue: Making/receiving payments, sending money

Complaint: I requested copies of cancelled checks that were used to make payments on a home equity loan owned PNC Bank. I made the request to a PNC customer service representative on XXXX XXXX, 2015 and got no response to date.. I need this information to use as evidence in a pending court case.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2016 about Bank account or service (Checking account) with FIFTH THIRD FINANCIAL CORPORATION (OH).
Issue: Account opening, closing, or management

Complaint: I have banked with Fifth Third Bank for over 10 years. I have even worked for the company prior to taking a position that requires me to travel for business. I have had multiple issues with the bank whilst traveling and having access to my funds via my debt card I was told that I would always have issues unless there was a change to the address that would indicate that I would be in Texas, I agreed as I had several instances in which I had been denied the ability to pay for items at the point of sale. I called several times to discuss this with the bank and received POOR, UNCONCERNED AND UNPROFESSIONAL service. I spoke with no less than XXXX employees explaining myself over and over only to have my account address be one thing and the mailing address to be another. I had a bank product ( EAX ) removed from my account and was not notified at the time that the notation of my Texas address would preclude me from this account feature. I request that ALL calls made from XX/XX/2016 to XX/XX/2016 be pulled and listened to, as well as a copy of said calls be sent to me. I request that the EAX feature be added back to the account and that all managers and CSRs to whom I spoke be held responsible for lackluster, incompetent and rude service. Including XXXX, XXXX XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: In  XXXX    XXXX  , Transunion removed an account from my credit report due to its inaccuracy. Upon reviewing my credit report, it has come to my attention that this same account has reappeared on my credit report. I have also disputed this same account on numerous occasions and yet this account is still on my credit report. I am demanding that the account from national credit systems be removed from my report as it was done in  XXXX    XXXX   for its inaccuracy. This account is affecting me and hindering my family and I from moving forward. I have no knowledge of this debt/account and I have requested validation of this debt multiple times with no response whatsoever. Transunion added this account onto my report without any form of notification, to my understanding this is indeed a violation. I have attached proof that this account was indeed removed from my report.

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 03/28/2018 about Debt collection (Medical debt) with HCFS Health Care Financial Services, Inc. (TX).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: I have contacted XXXX XXXX XXXXXXXX XXXX  by mail asking for Validation. The last was on XX/XX/2018. They have not validated the debt. XXXX sends a letter with my name and amount. I looked into this company further and found they are not bonded in the state of Texas to collect.

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 06/30/2015 about Debt collection (Credit card) with HSBC NORTH AMERICA HOLDINGS INC. (WA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I have saved voicemails from someone calling from an unknown number saying that they are from the county process service department and have a failed attempted to serve me at the location on file, this matter requires my immediate attention and I need to contact the issuing office at XXXX and reference the case number provided. The call ended with " you are in jeopardy of missing your court date, consider yourself notified! ". The XXXX voicemail said they have a XXXX failed attempt to serve me and my sister and we are in jeopardy of missing the court date as well as in jeopardy of getting a failure to serve. I have no idea why this `` county process service department '' is looking for a matter that would involve both me and my sister. 
I called the phone number XXXX and have was hung up on XXXX times and told I was playing games and disgruntled ( because I told them that if they werent recording the call i was going to ), before getting information from someone on the XXXX call, which I recorded. When answering they stated different names for their " firm '' ; XXXX and Legal office of XXXX XXXX. The account they referenced is was one that I have been disputing for years because it was fraud ; I did not open the account, someone else did. It is currently in dispute status and past the statute of limitations in my state. 
The `` county process service department '' also called multiple family members who have texted and called me worried about me because it sounded like I am facing a serious legal issue. 
I spoke with XXXX attorneys that stated this business is not legitimate, it is a scam. Neither of the lawyers could find information on this " law firm/business '' I searched for hours attempting to find information on their company and all I could find was information on a company in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Experian continues to report XXXX inaccurate late pay of my student loan account on my credit file. They are overlooking that it was not a late pay as my account was in FORBEARANCE from XXXX with my credit furnisher. Further more the FCRA State that they must report my account accurately. The FTC also states that under the FCRA laws is must report to accurate information regardless of the fact that it was reported correctly before. SEC. XXXX of the XXXX states that information must be corrected to reportedly accurately because my account was in forbearance within the period that is showing a late pay. NO PAYMENT WAS DUE THEREFORE ENSURING THAT MY ACCOUNT WAS NEVER LATE. I was in forbearance and my account has been current from then on. It must be changed immediately as it is negatively affecting my credit report. I have talked to both the CRA and the furnisher and they seem to point the finger at XXXX another and I need this to be deleted immediately or i will be forced to take Experian to small claims court for unspecified damages because they are inaccurately reporting on my credit report. They are also reporting incorrect personal information about me on my report. I have told them that is not me and that is not my information and they refuse to update my personal information which again is a violation of the FCRA.

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 07-08-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with CONTRACT CALLERS INC (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I called to get debt validation. I gave the full file account number. The call was recorded. The representative stated the number I gave was too many numbers. I was transferred to XXXX people with no result.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax allowed critical personal information to be released on over 50 % of the population United States. This is absolutely deplorable! 

It is important to note that consumers such as me even lost passwords to key business sites including retirement accounts, credit cards and even their email providers. I know this for a fact! 

Within two days of this breech, Equifax Board members sold some of their stock. Consumers did not learn of this for about 75 days! 

Equifax as a company should not be allowed to exist. It should not be allow to simply change its name. Equifax board members, executives, information technology staff and other employees involved should be punished for what they  have done to the citizens of our country. 

In the future, Equifax, XXXX, XXXX and similar companies must have comprehensive review and oversight.

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2015 about Debt collection (Medical) with PMAB,LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I went to the XXXX XXXX in XXXX, TX on XXXX occasions ( XXXX & XXXX 2015 XXXX to receive a set of immunizations. I have been billed and turned over to collections for a charge of {$180.00} that XXXX say that I owe. XXXX has a contract with XXXX, my insurance provider. XXXX has supplied the attached letter to XXXX and I have to the collection agency ( PMAB ) as well. Neither business will honor the letter and are continuing to call and harass me for payment. I have been battling with this issue since XXXX 2015 with no resolution. XXXX is extremely difficult to get in touch with. I had XXXX phone call from the XXXX billing office in XXXX 2015 and it took me leaving an angry voice mail for the billing office to call me back. The lady I spoke with was very rude and had no intention of working out the situation with me. She just kept telling me that I owed the money. 
I have finally gotten a dedicated XXXX supervisor working with me to resolve the situation. She has spoken with XXXX once and they have basically lied to her and told her I was informed that the immunization in question was not covered by my insurance and that I agreed to self-pay. The immunization in question is covered by XXXX, but not the " version '' of the shot they administered to me. They did not tell me that I would have to self-pay, and had they informed me that the immunization was {$180.00}, I would have left without it. No one in their right mind would pay {$180.00} for an immunization! In addition, this is a walk-in clinic and had they wanted me to self-pay, they would have had me pay up front, which they did not. They never mentioned any of this to me. I was not billed until after I returned a second time in early XXXX for the second round of the immunization. It has now been 6 and a half months and yesterday I received an email from XXXX saying that I owe {$380.00}. I believe that they are now charging me more because I have individuals calling on my behalf and they are angry so they have decided to bill me {$180.00} for the additional immunization booster. On top of all of this, I have failed to be fully immunized as I am not going to go back for my third and final round of the immunization because of their deceptive business practices. 
This business has deceptive business practices that I believe is unethical to the client. I do feel that my rights as a patient and a customer have been violated. I have a spotless credit rating and they are bound and determined to keep me in collections and place this against my credit. The collection agency ( PMAB ) who I have have spoken with on many occasions and sent them documentation does not care what XXXX says, they only " work '' for XXXX and will only listen to what they say. I desperately need some help to resolve this issue and hope that you can help me.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I really need your help with the credit score because, as a result of the short sale, my credit score was reduced and I, being self-employed, am unable to obtain contracts to support my business. 
I went through a hardship, XXXX medical issues and XXXX % decrease of income within the last 5 years. I was advised by XXXX XXXX, XXXX XXXX, Client Relationship Manager, and XXXX XXXX, Assets Disposition Department NOT to make our mortgage payment in order to qualify for any retention or liquidation options. 
I was originally placed on a forbearance plan that I was still unable to afford. Essentially, the forbearance plan ( type of retention option ), was designed to lower the mortgage payment ; however, in reality the forbearance only increased the loan amount owed - accrued late payments, principal and interest added to the back end of my loan. The forbearance, in itself, made my property underwater ; therefore owing more than the market value. 
Since the forbearance was no longer an option ( again referencing my medical hardship ), I was forced to short sale my property and move where I am now renting a home that is XXXX % less square footage This is a Securitized, Stated Income ( no doc ) loan. XXXX, the originator of the loan, sold the Servicing rights to XXXX XXXX when I became delinquent on my mortgage payments. The XXXX Loan Officer also told me I would need to be delinquent on my mortgage payments to qualify for any assistance due to my hardship. 
I believe there were numerous compliance irregularities during the origination of my loan due to the lowered underwriting standards. 
Additionally, the property was originally appraised at XXXX. Due to the recession, the value was decreased to {$620000.00}. 
I caused none of this. I was advised to be late on my mortgage payments ; I was caught in the middle of a recession and also diagnosed with XXXX XXXX all in a condensed period of time.

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 03/21/2017 about Credit reporting () with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I NOTICE THAT CAPITAL ONE HAS BEEN REPORTING ME DUP. ACCTS. 
XXXX {$8500.00} LIMIT {$0.00} BALANCE IS CORRECT XXXX {$5500.00} LIMIT {$4700.00} BALANCE IS INCORRECT. 
( ACCT XXXX SHOULD HAVE BEEN CLOSED OUT DUE TO FRAUD ) I CALLED CAPITAL ONE BACK IN XX/XX/2016 AND SUPPOSE HAVE TAKEN CARED THIS. IT SEEM THEY HAVE NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (NY).
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: XXXX XXXX I received a call from XXXX in regards to my XXXX disputes surrounding the provisionary credit they did on my account WRONG > in my last complaint XXXX was closed with a nonsense letter from XXXX XXXX who NEVER CALLED ME to discuss the matter. XXXX impacted this provisionary credit on my account after I was given the refund back from XXXX on XXXX XXXX, they placed the provisionary credit on my account on XXXX XXXX and later charged back for me to pay them back in XXXX. these dates are not reflected on my actual statement this is the recorded discussion that I had on my last call with XXXX. As I have stated from Day 1 there was no need for them to apply the provisionary credit to my account once I got the money back from XXXX. they impacted fees on my account for interest of the bank. this is fraudulent. after arguing with the guy he told me that I was responsible requesting a provisionary credit on my account after the refund was received which is UNTRUE >

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 10/15/2015 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I disputed XXXX accounts with Central Financial Control. They are harassing me about medical bills that I do not owe. I asked them to send me validation and they responded with NO VALIDATION! They just continue to say I owe these accounts with NO PROOF! This is unfair and extremely frustrating! I requested this information over 60 days ago!!! There time to investigate is up by law.

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: TransUnion is not accurately scoring me. I have done several disputes and the score keeps dropping. Something is wrong. 
My debt to income ratio is low, same job for 31 years, no mortgage, paid off high debt, very good salary - yet my score is hooverting around 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 09/24/2015 about Mortgage (Conventional fixed mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: The mortgage service company refuses to reduce my monthly payments or interest amount due even though I have made extra payments to pay down principal. My outstanding principal on XXXX XXXX, 2005 was approximately {$360000.00}. I made {$25000.00} worth of principal payments on XXXX XXXX, 2005 and another {$1000.00} in principal payments on XXXX XXXX, 2005, but they refuse to recalculate the monthly amount due and have continued to charge interest on the principal amount of {$360000.00}. 

They claim that they will make XXXX only adjustment to monthly payment amounts per year and will require notarized documents in order to do so. Furthermore, if I want to make additional payments against principal, I need to do it before the XXXX of the current month in order to go into effect 45 days later. 

These are ridiculously deceptive practices. If I pay down the principal of my loan, they should not continue to charge me interest on the previous amount. Furthermore, they should not have to make me jump through hoops such as notarized documents in order to pay down a loan, nor should they hold on to my money for 45 days and still charge me interest on the principal. 

I have filed a previous complaint to this effect. The company took 2 months to respond and basically told me they were going to follow the same practices as above. They provided no documentation to support their contention that it 's ok for them to hold onto my money and not reduce my payments. They claimed various " processes '' that take more than 6 weeks to execute, even though over the phone, the customer service person was able to compute a new payment amount in less than 5 minutes using a basic mortgage repayment calculator. 

I would like them to repay the interest on the money they have held onto now since XXXX and allow me to pay down my loan and get the benefit of lower monthly payments, as should be the case.

Company response to consumer: Closed with explanation