milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/22/2018 about Debt collection (Medical debt) with AllianceOne Recievables Management (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Hi ... this is in regards to medical collections debts from XX/XX/XXXX or XX/XX/XXXX that show up on my credit report. About 4-5 years ago when i first checked my credit report..i saw these charges and was in shock!! ... I know that i did get medical attention at XXXX XXXX Hospital in XXXX, Ca. ( where i live ) and was covered with Medi-cal Insurance ... ..so i called the hospital to see why I was in collections and they had no knowledge of me getting any bills ... so i called the agency from my credit report and the guy said its from hospital bills and that just because i had a government Medi-cal insurance didn't mean they cover everything ... I asked him why I had never received any bills and he didn't know why..I confirmed my address and I asked him to please send me all the bills. He was very rude and said he would but he never did. I ended up calling my social worker and she did verify that I was fully covered with no share of costs and to call XXXX, Ca where there main headquarters are located because there computers only went back to 4 years..however being on hold for almost 1 hour I gave up. Now I am trying to get a loan for a home and all those fees are showing up and making it very difficult to be approved so my mortgage broker referred me to your organization for help ... please see my attached credit report that was just sent to me from my broker..thank you

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (KY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Diversified consultants inc keeps calling, writing me letters, about my XXXX bill. I told them I was not going to pay, because I do n't owe this. XXXX used deceptive trade practice. Unfair billing practice and strong arm procedures. I asked them to leave me alone or take me to a court of law. I have a excellent credit rating ( over XXXX ) I never missed a payment or even had a late pmt, until they overcharged me.

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with USCB Corporation (DE).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This debt was paid XXXX XXXX. 2015 and they will not take it off my credit report after disputing this over and over.This is with USCB

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 10-07-2015 about Credit card () with BARCLAYS BANK DELAWARE (TX).
Issue: APR or interest rate

Complaint: I opened an account with Barclay card one year ago and I have never been late on a payment. All of a sudden, Barclays has charged me a fee of {$500.00} as interest, running my account over the limit. This action represents the greatest threat of default on the card. It is bait and switch predatory lending in its worst form.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 08/18/2016 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Please see below response from Commonwealth Financial to Consumer Financial Protection Bureau. AS OF TODAY XXXX/XXXX/2016 THE DEBT IS STILL SHOWING ON MY CREDIT REPORT ALTHOUGH THE BELOW STATES THAT IT WAS REMOVED. This debt is not mine as stated in previous communication. The statements below are untrue as I had received communication prior to me filing a complaint at the same address. There was no reason anything would have been sent back to them. There whole establishment is shady at best. And the fact remains that they said they reported this debt to be removed, but it is still showing on my credit. 

Response Re # XXXX To Whom It May Concern : This letter is acknowledgment that a complaint was received from your office on behalf of XXXX XXXX XXXX. Commonwealth Financial Systems received certified mail from XXXX XXXX on XX/XX/2016. XXXX XXXX disputed the claim and requested validation of debt. On XX/XX/2016 an itemized billing statement was mailed to her, however, it was returned for bad address. In addition XXXX sent notice to the XXXX major CRA 's to remove the tradeline from XXXX XXXX 's credit history in XX/XX/XXXX. Please provide an updated address so that we can resend the itemized billing statement. XXXX XXXX can reach our office at XXXX. Our fax number is XXXX. 
Please feel free to contact my office should you need further assistance. 
Thank You. 
Sincerely, XXXX XXXX Client Relations This is communication from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: TransUnion had a server error, where the company had deleted inquiries from consumer credit reports, then proceeded to reinsert those inquiries BACK to the consumer credit reports! TransUnion failed to follow the LEGAL procedure to actually do so. When I called them to have the inquiries removes, they refused to do so. Below are the following inquiries : XXXX XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX, IL XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX, MN XXXXXXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX, MN XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX, CA XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX, CA XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX, CA XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX, CA XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX, CA XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX, CA XXXX XXXX XXXX/XXXX/XXXX XXXX, NC XXXX XXXX  XXXX XXXX/XXXX/XXXX XXXX RI XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX, TX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX, TX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX, TX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX, LA XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX, LA XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX, TX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX, IL XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX, VA XXXX XXXX  XXXX/XXXX/XXXX XXXX, FL XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX XXXX, UT XXXXXXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX, UTXXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXXXXXX XXXX, UTXXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX, TX 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 02-05-2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NJ).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I had a accident on XX/XX/XXXX and injured my XXXX and XXXX. I was being treated by a couple of doctors and hospitals. I returned to school after having XXXX XXXX with XXXX XXXX XXXX, and they sent me home, but I couldn't work for 9 years. I was supported by Public assistance. I submitted all my doctors papers to XXXX XXXX and Navient to get my payment discharged, but they only put me on forbearance and deferment plans. In XX/XX/XXXX I started to work part-time and they took my income tax check. I called the student loan ombudsman, and he made them return my income tax money, but never fixed the problem. Since this incident, i was a single mother on low income, but Navient and XXXX XXXX kept increasing the interest. On XX/XX/XXXX, I received an e-mail from a company saying that they we're the U.S. Dept. Of Education, XXXX. XXXX XXXX, XXXX, TX XXXX, stating that I have 15 days to send all papers stating your dispute. I sent all of my doctors papers to them, then received papers from a company called XXXX XXXX XXXX. with an extra {$6100.00} added on that I never heard of. They also claimed that the papers arrived late, which wasn't true.

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2015 about Consumer Loan (Installment loan) with Enova International, Inc. (MO).
Issue: Problems when you are unable to pay

Complaint: I took a {$1200.00} internet loan out in XX/XX/XXXX and was set up on 8 month installment loan and when the date became due I called Cash Net USA back to advise my medical conditions going and would not be able to pay. Was told it was okay and they would work something out with me, instead they went into my bank account and withdrew the funds causing a major overdraft on my account so I stopped pay on all payment and ach withdraws. Since that happen Cash Net USA has called me every day XXXX times a day and now they are calling my references and on XX/XX/XXXX they called my son phone and left a message that his name was XXXX XXXX, Legal Counsel and he will come by house on Tuesday, XX/XX/XXXX with court papers claim # XXXX and if I wanted to stop him I would need to call him at XXXX XXXX, and to consider myself as being served. XXXX d/b/a Cash Net USA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX and my account number is XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Debt collection (Other debt) with Experian Information Solutions Inc. (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: A Judgement on my Experian credit report Which is  PAID, h as not been removed.

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 12/19/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (WI).
Issue: Money was not available when promised

Complaint: On XX/XX/XXXX, I sent a domestic wire transfer to Coinbase in the amount of XXXX. Coinbase wire info states wire transfers received by XXXX XXXX  are credited in that day received. The next day I attempted to call coinbase customer support. After being on hold for 1.5 hrs I talked to a representative that stated they could not help and directed me to their online support site to submit a request. 
On XX/XX/XXXX I received an e-mail stating the wire would be returned, and to expect payment with in 7 business days. As of today XX/XX/XXXX. I have not received any return of money and have sent other e-mails to coinbase support in time leading up to today. In addition, on XX/XX/XXXX. I called the bank where the wire transfer was destine for XXXX XXXX XXXX for assistance. They directed me to e-mail XXXXXXXXXXXX. As of today XX/XX/XXXX, I have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I am trying to get a loan modification. I have been turned down and one of the factors is that they have the property valued at {>= $1,000,000}. 
I had a realtor come in and do a market analysis that was XXXX pages. The market value is {$820000.00}. Chase 's report did n't have accurate information such as total sq footage. The roof is over 20 years old and everything is original from 1996 when it was built.

Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2015 about Mortgage (FHA mortgage) with QUICKEN LOANS, INC. (GA).
Issue: Application, originator, mortgage broker

Complaint: I applied for a mortgage loan with Quicken loans and was pre-approved, contingent on certain conditions. I met all the conditions as specified but the loan was still denied. They stated that they could not confirm how I paid off XXXX debts. I provided bank statements that showed the withdrawal and money orders to pay off the debts. I am concerned because I am of low income and getting offers from higher cost loans and that my information has been mishandled or sold. I qualify for this loan and believe that I am a victim of housing discrimination because of offers from higher cost loans.

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EXETER FINANCE CORP. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have had an account with EXETER FINANCE that started in XXXX, XXXX. I made a payment on XXXX/XXXX/XXXX confirmation # XXXX and they never took the money out of my account and then hit my credit with a late mark. 

I have attached a letter from my bank stating that they never tried to take money out of my account in XXXX of XXXX and that my bank never declined a payment to exeter finance. I never changed account numbers or anything and I made payment from the same account I have saved online. 

This error is not on my part, it is on exeters online system and I feel it is unfair to hit my credit when it is a mistake on their part. Please remove this mark from my credit immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with FIDELITY CAPITAL HOLDINGS, INC (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: They are reporting an extremely ridiculous amount that i do not owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CO).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have tried numerous times at the request of my co-signers asking Navient release my co-signers from my loans. I have never missed a payment, even though some of my loans are disqualified from an interest rate reduction for no reason. I did not finish my course of completion, but I was told in the beginning as long as I had a consistent payment history I would qualify, but that again was misinformation.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (VA).
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: On XX/XX/XXXX, contacted bank to inquiry about a missing credit from a merchant that was submitted to my card on XX/XX/XXXX, from merchant XXXX in the amount of XXXX SGD ( XXXX Dollars ). After explaining to the customer service representative that merchant had already provided 3 of the 4 credits XXXX had sent me, she advised that a dispute would be filed for the fourth and missing credit. She further advised that the disputed amount would be credited to my account while the dispute was researched and that I would receive a letter confirming same. However, because I have received neither the credit or letter confirming same, I am of belief and suspicion that the dispute has never been processed. When contacting merchant ( XXXX ) they advise that the fourth credit has been submitted to bank ( credit card ) and have provided me with the transaction id, yet the credit in the amount of XXXX SGD has not posted to my credit card statement.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Incorrect Personal information. Never had a student loan. Check DOB and ssn.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/31/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (FL).
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: Fraudulent. Transactions on  my. Wells Fargo.   XXXX   ( as per uploaded picture ). Police are treating it as a stolen card. But Wells Fargo think I  used it even though The Person in question is on  XXXX . Fraudulently using my card in the  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 01/24/2017 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (CA).
Issue: Account opening, closing, or management

Complaint: I received an email as an alert from Wells Fargo with the following text : - " We have updated your contact information Home/Permanent Address '' The problem is that I closed my Wells Fargo account more than 2 years ago, which included checking and savings account. I also stopped using the credit card and my account was closed by wells fargo. I have n't used any Wells fargo services or their credit card in the past 2 years. 

I contacted Wells Fargo and they had my latest address on file. I have no idea how they updated it. They asked me to disregard this message. 

How was Wells Fargo able to update my personal information without my authorization?

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: THIS IS NOT A DISPUTE! THIS IS A REQUEST. 
I have attached proof of numerous inaccuracies being documented on Equifax credit report which is harming me and I am questioning the legality of Equifax making changes to old reports from XX/XX/XXXX and prior reports electronically. It makes the whole integrity of the reporting system by Equifax inaccurate and an unethical business practices. 
I am formally demandinging to remove the reinserted/inaccurately reported/unverified ( Method of Verification was not provided by Equifax or XXXX ( Have been requesting since XX/XX/XXXX ) as per my right and request under Section 611 ( a ) ( 7 ). 
XXXX and XXXX had investigated the below accounts and removed them XX/XX/XXXX and XX/XX/XXXX respectively. ( Both reported aged accounts for removal XXXX ) After loan officer informed me Collections back on Equifax I sent XXXX a letter on XX/XX/XXXX requesting deletion which they received on XX/XX/XXXX. I called XXXX on XXXX XXXX as well and I was told they could not connect me with that part of the office. I would need to wait for a review and written response. They just sent me settlement statements for debts I do not owe. 
I have listed the items below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThe Credit Report I paid Equifax for on XX/XX/XXXX shows no collections reporting XXXX major bureaus. 
The Credit Report I paid XXXX for on XX/XX/XXXX ( same day ) shows XXXX XXXX just under Equifax. 

Due to the misinformation and inaccurate reporting provided by Equifax this matter has harmed my good name, caused me embarrassment, major confusion amongst all parties involved, excessive Hard Inquiries by XXXX ( loan officer ) which harms me and credit rating and will now stay on my report for XXXX years and has delayed me from closing on a home XXXX times in the past month. At this point I believe I lost the house I was suppose to close on and was rescheduled for today XXXX XXXX due to all the confusion of an inaccurate reporting system. 

I am respectfully demanding to immediately delete the accounts identified above entirely from Equifax credit report due to the misinformation being furnished, inaccurate reporting and discrepancies and send me a free updated credit report. 
I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA if this matter is not settled ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-05-2018 about Mortgage (Conventional home mortgage) with Specialized Loan Servicing LLC (FL).
Issue: Trouble during payment process

Complaint: On XX/XX/XXXX when I was making a payment over the phone for my mortgage, the servicing company ( Specialized Loan Servicing, LLC - SOS ) offer me a 3 month deferral payment because I was on the affected zip code area in XXXX. First they told me to just not pay for three months, that it sounded very odd to me, when I called again and again, they always gave me a different answer. Finally on the 12th call, they told me I needed an approval from the bankruptcy court authorizing the to grant me deferral program. My attorney went to court and got approval by the court and send it to them. I didn't pay for three months and on XX/XX/XXXX, made my first payment and so on, until this date. Now they are taking me to court and saying that am 3 months behind payments, because they never signed an agreement with me. After trying to find a solution and explain that I was affected by the Hurricane, they offered me a 6 month re-payment plan ( for the 3 unpaid months ) wish I agreed, but now they are not sending me the agreement of the repayment plan and are taking me to court. 
I do not think is a fare way to deal with a customer and I do not believe I have done anything wrong other that believe their word. 
What options do I have than to take them to court and I do not have the funds for an attorney.

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 02/21/2018 about Debt collection (Other debt) with I.C. System, Inc. (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX on XX/XX/2015 or there about. I canceled service shortly after receiving services due to slow internet. I paid this charge after cancelling and still remains on my credit score. After paying I received no contact from 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