milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-10-2018 about Debt collection (Medical debt) with HCFS Health Care Financial Services, Inc. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: XXXX did not provide enough information. I am in too much pain, I am currently injured due to a surgeries I had a couple months apart. Why should I have to do a lot of running around spending more money and stopping my bed rest because this company are unable to comply with my request. They have send letters to me about a debt they are trying to collect and call me, but it so hard to screen shot take a picture, scan and send they documents here. Its not hard for them to do this? You are the company reporting on my credit report, you are the company trying to collect a debt I should not have to get a police report, go to the places you want me run around to that is out of my county in windy cold air that causes more pain to my infected wound from recent surgies for they debts you are trying to collect may get dismiss because you have no additional proof. You do n't have the most important part of the debt ( s ). Please provide the documents here : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. 

If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. 

Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay or a contract? 

If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay. The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. 


State the amount of the debt when you obtained it, and when that was. 

Best regards XXXX XXXX XXXX ( currently injured ) If proof is needed I will open another complaint here to prove it. Now you prove these debt ( s )

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 10/26/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (NY).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: when making a online payment they require the routing number from either checking or savings, they will not allow any other method when making a payment by phone they charge {$10.00} per payment as a fee per payment. I refuse to give my routing number to anyone for obvious reasons and charging {$10.00} per payment via phone seems steep

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 06/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Hi. I had filed my taxes for   XXXX   online and was told I owed   XXXX   {$210.00}. I made an agreement to pay the total and even made a good faith payment of {$25.00} earlier this week. I was assured by the IRS that all collection efforts would stop and I needed to make the final payment on  XXXX .     Today, I got a notice that a public record was placed on my credit report by the   XXXX     State Country  clerk for the entire amount of the debt. I contacted the IRS and they explained that the credit bureaus must have sent someone to review the public records to add to consumer credit reports before the country clerk got notified and that is why it is on my credit 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 non-monetary relief
Consumer complaint received 09-07-2015 about Mortgage (VA mortgage) with United Services Veterans Mortgage, LLC (TX).
Issue: Application, originator, mortgage broker

Complaint: As a mortgage holder and veteran, we receive many offers to improve our mortgage. XXXX that is especially irksome is United Services Veterans Mortgage ( NLMS XXXX ). We 've received its offers before and trash them immediately. Now I want to take action. On its envelope return address it says XXXX XXXX and its literature says XXXX XXXX. The implication is endorsed by XXXX XXXX and/or the XXXX. With its name, it gives an aura of being an official organization of the U. S. Federal government. Without due diligence, a person would be duped by this implied endorsement and fall for their product whatever the final outcome. As a military veteran, I did n't fall for it but I want action taken to prevent other verterans or active duty military members, especially new homeowners or young members, from being taken in by these dubious practices.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Debt collection (Other debt) with Franklin Collection Service, Inc. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: FRANKLIN COLLECTION SERVICES purposely damaged my credit and caused me harm in order to get money from me that's not owed them.  I don't owe XXXX to FRANKLIN COLLECTION SERVICES  and was not given the opportunity afforded me by the FDCPA to dispute the claim until after it was placed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: the credit bureaus are required to have a copy of my signed agreement/contract in their procession. When report accounts to my credit file. Based on FCRA SECTION 609. The bureaus don not have the required documents as set by law, to report. The reporting violations carry a of {$1000.00} per violation and also additional damages. the account have been reported and the credit bureaus, have been harmed me, by not validating the debts and not having the required, documentation, before report and to this date. The documents are not in their procession. The following accounts have been reported in violation : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX {$210000.00} balance.

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 07/14/2017 about Debt collection (Other debt) with Hunter Warfield, Inc. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: received repeat calls from a rude / hostile guy regarding XXXX XXXX XXXX. He continued to call after being asked not to contact me because I do not have a contract with Hunter Warfield.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-05-2015 about Credit card () with AMERICAN EXPRESS COMPANY (TN).
Issue: Identity theft / Fraud / Embezzlement

Complaint: on XXXX XX/XX/2015, i have noticed that American Express has been reporting inaccurate billing information on my credit report. I am disputing a amount of XXXX, the company is reporting 30-90 days late on my credit report for which I have no knowledge of. I have contacted the company and the company is still reporting a balance that is under investigation. By law the company is not suppose to report a dispute amount on a person credit report untill the investigation is fully been resolved. The company did not address the problem. I told this company that I have no knowledge of the balance and no knowlegde of where they are collecting a payment from. I told american Express that I do have a fraud alert on my credit report and that the company should have called me, but the number that the company provided does not match the number as of now. This company had someone to open an account in my name and is affecting my credit negatively. This company is engaging in identity theft and fraud. I am asking this company to stop reporting negatively on my credit report untill the disputed amount is resolved

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
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: After carefully reviewing my credit report for inaccuracies I noticed several and contacted Experian via  Postal  Mail. I contacted them about information that was inaccurate, they 're reply was that the information was verified and would remain on my credit report. I wrote them again requesting the method they used to verify. Which under FRCA is my right to do. They replied for me to contact the credit agency listed. I contacted them AGAIN, for the THIRD time requesting the method they used to verify and instead of furnishing me with the information they updated a comment on my credit report. Telling me that they will no longer investigate my complaint and to contact the original creditor. Which I have still have no validation of these debts. Four months later I still have no method of verification for the following items  XXXX   XXXX  #  XXXX ,   XXXX    XXXX  #  XXXX ,  XXXX   XXXX  #  XXXX . Experian needs to furnish me with the documents requested or delete these accounts from my credit 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 02/29/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: While going through the process of a 8 year divorce, I had relinquished my home at XXXX XXXX XXXX XXXX, Ca to the mother of my children. Court documentation stated that she had full custody of my children ; additionally, I wasnt abreast of their activity, nor was I granted any visitations. I extended the business to continue the last contract up to XXXX upon which all funds received went directly to her to a bank account that I had know access to. I recently checked my credit and found that in XXXX, XXXX and XXXX several liens were placed on my credit unbeknownst to me. My address has been in XXXX XXXX for the past 6 years. The updated status of these liens have apparently been satisfied/released and this has caused more of a hardship upon me to function in todays economy. I have know knowledge what these were placed on my credit for, for I havent been in contact with her and I still have to go through her if I wish to speak to my now XXXX XXXX XXXX son. I feel that due to her knowing my personal information, that my name and information was used in of hers for whatever these liens are applied to. I need to see proof of my acknowledgement, signature, etc ... something showing that i was aware or responsible for any of this.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint: My former employer amended & restated my tax returns & made themselves my conservator. In order to get the golden parachute tax break in XXXX my home was sold without my knowledge. XXXX XXXX XXXX XXXX have been stealing my mail. I never received any of my XXXX-mortgage interest statements. In order to properly file my tax returns. I truly need that information. May I please get those statements mailed to me from XXXX-XXXX. These transactions was made while I was under wage earner. The case number was XXXX. I was discharged from this case in XXXX. I need XXXX XXXX to send me an identity theft packet please.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2017 about Checking or savings account (Other banking product or service) with JPMORGAN CHASE & CO. (TX).
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint: Believe it or not, CFPB helped me resolve issues regarding JP Morgan Chase two years or so past. I had confirmed with the then branch manager that there was a XXXX balance as I closed each account. However, later, Chase hit me with fees on two accounts -- after CFPB intervened and Chase closed out my accounts with XXXX  balances. Once I swiped with XXXX XXXX XX/XX/2017, XXXX XXXX ACH or sent my {$640.00} to a closed account at Chase, rather than to my XXXX XXXX XXXX  account opened with XXXX XXXX. Each time I provided emails with letters confirming no ACH deposit had come in from XXXX XXXX to either Chase or XXXX XXXX, XXXX XXXX made other excuses such as precise wording from the branch managers. Chase 's branch manager checked and found nothing just as XXXX XXXX XXXX 's manager. 
Today, XX/XX/2017, I got lucky. A really concerned XXXX XXXX rep. assisted me with an email with Chase 's ACH contact phone number and instructions on who to ask for. Well, the first phone number of XXXX was a robot. The second number of XXXX was to Chase 's dept. of ACH on closed account. XXXX XXXX, XXXX answered but refused allowing me to speak directly to the ACH dept. She proudly said my {$640.00} had been split between two closed accounts ending XXXX on XX/XX/2017 and XXXX. She victoriously said {$350.00} applied to XXXX and {$290.00} applied to XXXX. It was futile explaining Chase was in error.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (TX).
Issue: Money was not available when promised

Complaint: Good morning, Right now I currently have a pending transaction with Coinbase in the amount of {$650.00}. This transaction started on Monday XX/XX/XXXX when I was notified of the pending transaction. Typically these funds are available within 30-60 minutes. 

When the transaction was not finalized after 48+ hours, I submitted a help ticket through their website on XX/XX/XXXX. Case number # XXXX was assigned to my account. 

I first received an email on XX/XX/XXXX stating that my help ticket was received, but it may take a few days for a further response. 

I next received an email on XX/XX/XXXX from XXXX asking for screenshot pictures from my account of the transaction and where it was still shown as " pending '' and not completed. 
These pictures were sent on XX/XX/XXXX back to XXXX. 

I received another email on XX/XX/XXXX saying my photos were received and that they would be in touch when they have an update. This was the last response I have received back from Coinbase. 

I sent ( 2 ) follow up emails ( on XX/XX/XXXX and XX/XX/XXXX ) and have not received a response. I also called their customer service phone number but was not able to speak with someone ( I was at work and had to hand up after 50 minutes on hold )

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I reviewed my credit report and XXXX has listed my XXXX payment as delinquent. My payment due date is the XXXX of each month and my XXXX payment was submitted on XXXX XXXX. It was not past due as indicated on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2015 about Credit card () with WELLS FARGO & COMPANY (MS).
Issue: Billing disputes

Complaint: My ex-husband used our joint credit card without my permission or knowledge during the period of late XXXX XXXX through XXXX. I have repeatedly attempted to get Well 's Fargo Financial Cards to send me a copy of the itemized charges for my upcoming court case with my ex-husband. I have supplied them with my social security number, address, date of birth, security questions. However, my ex-husband reset the credit card with a PIN that I do not know. The credit card has been cancelled and is now in collections. I am attempting to get this resolved and have taken him to court over the credit card. I had a court date scheduled which was re-scheduled and I was instructed to obtain the itemized charges prior to my next court date of XXXX XXXX, XXXX. Well 's Fargo Financial Cards will not send this to me because I do not know the password PIN. Due to him resetting I can not possible provide this. Well 's Fargo is attempting to collect the debt from me because I am the primary cardholder.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2015 about Mortgage (Conventional fixed mortgage) with TCF NATIONAL BANK (MN).
Issue: Application, originator, mortgage broker

Complaint: We went to the TCF branch in XXXX MN. XX/XX/XXXX 2015. We wanted a fixed rate mortgage, so TCF set us up. We went through all of paper work and the time..and at the very last minute they told us we did n't qualify for the fixed rate but they could set us up with a variable rate mortgage. So because TCF 's appraisers lack of timeliness and TCF 's lack of follow through with the appraiser had already posponed our closing date from XXXX XXXX, 2015 to XXXX XXXX, 2015. We took the variable rate so we could close on the property. We handed off the variable rate mortgage to XXXX. XXXX and with the same information that TCF had, and was able to secure the fixed rate mortgage that we wanted. With XXXX institutions using XXXX XXXX. We submitted XXXX letters of complaint to TCF and as of this date there has been no response to either. We did request that because of the sub standard customer service we received from TCF we did n't expect to pay any costs to them including appraisal fees. They acknowledged the request but when we requested an transfer of appraisal to XXXX. XXXX the cost to us was {$250.00}. It was the worst customer service the we have ever experienced anywhere. We really felt like TCF did a bait and switch with us.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 12-02-2015 about Student loan (Non-federal student loan) with Asset Recovery Solutions, LLC (IL).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I am getting at least two calls per week for the last month at my place of employment from a company in the XXXX area. Their direct office phone is XXXX but also have a toll-free number at XXXX. They are not trying to reach me on my cell, simply, calling at my work and it 's embarrassing if it is for real. They will not say what they are calling for or who they are but they keep calling. I have to take several calls per day across the country and this is tying up my line and negatively affecting my workflow.

Company response to consumer: Closed
Consumer complaint received 04-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
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 been dealing with the credit bureaus for over 6 months now in regards to a XXXX XXXX account that is reporting inaccurately on my credit report. In XXXX I sent a couple letters asking to look into the accuracy of what was reporting and 30 days had passed without an answer on their investigation and description of the procedure. Additionally, in Late XXXX I mailed a lack of response letter asking why nothing had been corrected or deleted to no avail. I've also reached out to XXXX XXXX and the only response I got was a letter sent from a " convergent outsourcing '' which is a different company. 

I know the bureaus get paid money from the creditors to report negative and positive accounts as a business product. It's extremely unfair because it allows the creditor to report whatever they want and the bureaus claim they verified the accuracy without showing how they reached their conclusion. 

Attached are some of the most recent letters that have gone out. My complaint is against Transunion and XXXX. Hope this can help me move on so my family can prequalify for a new home. Thank you

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 06/18/2015 about Debt collection (I do not know) with EOS Holdings, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Several calls and voice messages were left at my residence attempting to collect debt that I do not have knowledge. I have informed them that the debtor was a different person having similar name to myself and my spouse. I have validated my address and date of birth, and yet the collection agency continue to leave voice messages which are disturbing and offensive, considering to the playback heard by my family. They confirmed that it was a different person, however, the calls did not stop. I requested for a written correspondence from the collection agency that they were attempting to collect a debt from a different person bearing my name. However, they declined to grant my request. 

I am bothered that this is a case of mistaken identity and my personally identifiable information has been compromised or sold elsewhere.

Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CL HOLDINGS LLC (CA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: They keep selling the debt to new collection agencies, then it shows a new open date, and it never goes away. This " supposed '' debt is well over 10 years ago ... Not only that, but I do n't even owe the money! I asked XXXX XXXX to close my account back then, and they told me on the phone it was taken care of, but then they never closed it. I am never going to pay money I do n't owe. I just want to know how to get rid of this thing on my credit. I 've been punished long enough for something I did n't owe.

Company response to consumer: Closed with non-monetary relief