milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/22/2016 about Debt collection (Medical) with Senex Services Corp. (NJ).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: My son had a XXXX in XXXX 2014 at XXXX XXXX XXXX and was covered under his father 's insurance. All the bills the hospital sent were in his father 's name. There were a few bills and he told me he took care of them. I received XXXX bill from XXXX XXXX XXXX XX/XX/XXXX and thought it must be wrong. I contacted the hospital via their website a few times inquiring about this bill, but never received a response. I found out that this is now on my credit report and went to the hospital and then the administration building. They told me that they switched it to my name without ever notifying me and never sent me a bill and sent it directly to a collection company.

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Cascade Capital, LLC (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Some 5 to 7 years ago I received a telephone bill from XXXX for {$370.00}. I paid the bill in full. Years later I received a collection notice that I owed XXXX {$370.00}. Not wanting to ruin my credit rating, I paid the bill AGAIN! Now I have received another collection notice from a different collection agency, stating I owe XXXX {$370.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2017 about Debt collection (Other debt) with Convergent Resources, Inc. (CT).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Due to customer service and other financial consumer reasons I chose to move my service from XXXX to XXXX back in XX/XX/XXXX. I always paid my bills on time every month when I was at XXXX. I called XXXX to notify them that I was switching my service and that I would continue to pay my account monthly. This was back in XXXX of XXXX. Below is a list of payment I made to XXXX per normal bill paying and arrangements. I will include these paid charges in the upload process filed as part of this complaint. Billing History XX/XX/XXXX - XXXX PAID **Service Canceled** XX/XX/XXXX- Canceled Service With XXXX - No user related monthly charges. XX/XX/XXXX - Final bill from XXXX for billing period XX/XX/XXXX-XX/XX/XXXX - Received Final Bill from XXXX for {$930.00} for equipment charges. XX/XX/XXXX - Paid {$200.00} which reduced balance to {$730.00} XX/XX/XXXX - Paid {$730.00} which was the full payment required to payoff balance. On XX/XX/XXXX - XXXX XXXX ( Collection Agency for XXXX ) - Reported me late to all three credit reporting agencies ( XXXX, XXXX, XXXX ) for owning {$930.00} to XXXX. - Reported again XX/XX/XXXX with paid in full. - Re-Reported XX/XX/XXXX - Report is inaccurate ( not sure why ) When this was first listed on my credit file for the very first time ( WHEN IT SHOWED UP ON MY CREDIT FILE ) was on XX/XX/XXXX for owing XXXX. I made payments from XX/XX/XXXX - XXXX of XXXX. The amount was paid in FULL before Convergent reported it or first showed up on my credit reports. Frequent requests to get this removed from my credit file have been unanswered or denied. This is a clear violation. I was making payments and this was paid. XXXX/Convergent refused to remove.

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 02/24/2017 about Payday loan () with Bliksum, LLC (CA).
Issue: Charged fees or interest I didn't expect

Complaint: In XX/XX/2015, i took out a XXXX personal loan from a company called Loanme. It was all done over the phone. Just 2 weeks ago, the loan company took the monthly payment of XXXX dollars from my account. I, sure that i had already paid off what they let me borrow, called the loan company. During that phone call i was informed that the interest rate for my loan was a whopping 135 %. I asked them to then send me documents with all the information regarding the loan such as terms and conditions. I have those now. I told them that my financial situation has changed since my hours at work had been cut due to me attending college. They asked me all kinds of questions regarding my weekly spendings and told me that they would be able to lower the monthly payments from {$290.00} to {$250.00}. The gentleman that was helping me informed me that they had sent me an email containing all the details regarding the changes to my loan account. He said i absolutely must sign that form electronically as soon as possible and to call him as soon as i did. He really made it seem incredibly urgent. I found it weird that i had not yet even signed anything with this phone company, and now they suddenly wanted me to electronically sign this online document. This document says that not only my monthly payments had been lowered, but that the interest rate had also been lowered from 135 % to 115 %. This was something that i was not told would happen during the phone call. All they told me was that if i did not sign and return the electronic document to the company via email, then the changes made to my loan would not happen. I find this all very suspicious. As far as i know, the maximum interest rate in the state of California is 10 %. I am more than willing to pay a legal interest rate. But this to me sounds a lot like theft. I would really appreciate the help and the careful analysis of people who possess a much greater knowledge on these issues. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2016 about Debt collection (Medical) with Senex Services Corp. (KY).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I have pulled my credit reports and there are debts listed by the collection agency Senex Services Corp. I have not received any documentation from the company notifying me of the debt or the right to dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2018 about Payday loan, title loan, or personal loan (Payday loan) with Ad Astra Recovery Services Inc (TX).
Issue: Loan payment wasn't credited to your account

Complaint: I received my credit report showing Ad Astra is collecting on behalf of XXXX XXXX XXXX XXXX for an loan I never received or applied for on XX/XX/2014. I have been disputing with this company for months & the credit bureaus that this is not my loan. Ad Astra sent me a letter, but this was no contract that I signed. This is misleading & inaccurate on my credit reports, Federal Law requires that mechanisms is provided to ensure that each item on my credit is accurate. I also have placed Fraud Alerts on my credit showing I was a victim of identity theft in 2014

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2017 about Mortgage (Conventional home mortgage) with FREEDOM MORTGAGE COMPANY (PA).
Issue: Trouble during payment process

Complaint: My local tax collector says that my real estate taxes were not paid from my escrow at Freedom Mortgage. Freedom Mortgage says they have been paid. I have been trying for the last two months to get evidence of this payment from Freedom Mortgage and each time I try to do so I get a different story. The latest is that since I sold the property they need my request in writing because that is " what their tax department requests. '' However the last call from their tax department was that they would research this and get me a letter stating it has been paid in full. Currently I am over an hour into today 's call and still no resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2016 about Mortgage (Conventional fixed mortgage) with TIAA, FSB (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I refinanced my EverBank mortgage, closing on XXXX/XXXX/16. On XXXX/XXXX/16, I cancelled my mortgage auto-debit payment from my EverBank checking account so that EverBank Mortgage would not pull my XXXX 2016 payment ( and I received a confirmation from EverBank Mortgage that auto-debit was cancelled - SEE ATTACHED ). On XXXX/XXXX/16 EverBank Mortgage, even though UNAUTHORIZED to do so, pulled money from my EverBank checking account. I called EverBank right away. " XXXX '' told me that they could pull the payment without it being authorized because the payment was due XXXX XXXX. I told her I had a grace period until XXXX/XXXX/16 and that the loan would be paid off by then. She said that did n't matter and said she would not reverse the UNAUTHORIZED debit amount back into my checking account. She said that if there was any money coming back to me they would mail it to me in 29 days. I told her that was unacceptable and that I wanted to money returned immediately back into my checking account. She refused and I still have not received my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2017 about Debt collection (Other debt) with Convergent Resources, Inc. (WV).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX Claims I owe a XXXX bill, I do n't use XXXX I use 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 11/28/2015 about Bank account or service (Other bank product/service) with SYNCHRONY FINANCIAL (TX).
Issue: Account opening, closing, or management

Complaint: A PayPal credit account was opened in my name and has an outstanding balance on it that is not attributable to me. I want this account removed from my credit reports and I want the derogatory comments removed from the credit files as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/16/2017 about Vehicle loan or lease (Loan) with FC HoldCo LLC (NJ).
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint: Was a victim if fraud in our bank account and due to that had a returned payment. Left messages for the account  manager  and sent emails and no ine has gotten back to me. Everytime i call in they just tell me to pay in full or my car will be repossessed.

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 04-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: On or about XX/XX/XXXX, I requested an annual credit report from the 3 major credit reporting agencies, ( XXXX, Experian, XXXX XXXX ). Each one of them issued a report that is incomplete with many years of payment data missing on accounts that remain open and active.

The account information is as follows : XXXX  : XXXX 1st mortgage accounting report stopped on XX/XX/XXXX. The 2nd mortgage accounting report stopped on XX/XX/XXXX. 
Experian : XXXX  1st mortgage accounting report stopped on XX/XX/XXXX. The 2nd mortgage accounting report stopped on XX/XX/XXXX. 
XXXX XXXX : XXXX 1st mortgage accounting report stopped on XX/XX/XXXX. The 2nd mortgage accounting report stopped on XX/XX/XXXX. 
NOTE : The 1st and 2nd mortgage was sold or transferred from XXXX to the current mortgage holder known as XXXX XXXX XXXX, ( Currently doing business as XXXX XXXX ), in XX/XX/XXXX/XX/XX/XXXX. This mortgage company does not show up on any of the reporting data at all. 

I tried to file disputes with each one of the reporting agencies and was only successful with one, ( XXXX XXXX ), but they rejected my complaint with an attached comment that read, ( Our records show that the information you disputed does not currently appear on your XXXX credit report ). I already new that and I was specific that I was disputing the missing credit reporting information. The other companies made it as difficult as possible to submit a dispute by timing out the sessions before I was able to complete the information, asking for incredible amounts of information, forcing me to sign up for an account, etc. 

I also contacted my current mortgage company, ( XXXX XXXX ), informing them my 1st and 2nd mortgage payments made to their company are not showing up in any of the 3 major credit reporting agencies. They verbally told me that they have launched an internal investigation to correct this problem but it has been over 3 weeks now and I have not heard a word from anyone at the company as to the status of this supposed internal investigation. 

My wife and I are currently retired and living on a fixed income. This situation has placed an undue financial burden on us in the form of increased costs of home and automobile insurance premiums, preventing us from taking advantage of any refinancing and/or paying off of our high interest loans, being turned down for any type of credit due to lack of credit history reporting, etc.

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 10/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: Bank of America reports a debt that was discharged in Bankruptcy as having a balance, as being charged-off, and as being past due. 

Various courts have held that reporting a discharged debt as a charge off is advantageous to the bank because it can keep the debt on its books and makes the overall portfolio more valuable.

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 01/24/2017 about Debt collection (I do not know) with WAKEFIELD & ASSOCIATES, INC. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I recently viewed my credit report and noticed that this company has report that I owe them a debt.

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 12-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MS).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Ive been tryna to explain to the people that I have not been to college online nor on campus .I dont have a high school diploma, in my identity was stolen .They garnished my work check before in I tried stopping that but they wouldnt stop.Now they are saying I owe them {$1000.00} dollars.Ive never seen a check or anything .The address that was used for the loan Ive never lived at or heard of, I just dont know what else to do

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 06/23/2017 about Checking or savings account (Other banking product or service) with UNITED SERVICES AUTOMOBILE ASSOCIATION (TX).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: Without warning USAA restricted my account access despite still being paid. They then proceeded to cancel the majority of my accounts without notice or reason and have refused to provide documentation. Despite all this my accounts which are still open, auto loan, checking, auto/homeowners insurance and ID theft and credit monitoring service which are all current and paid for have been restricted and I am unable to pay, view, file, or do anything with these accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Risecredit, LLC (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: In Regards to Complaint XXXX about XXXX XXXX. 

I have read the response of the company and disagree. They state " In addition, on XX/XX/XXXX, we  responded to XXXX XXXX correspondence with information about this loan, and provided a copy of the Loan Agreement. " I have seen no communication from them after repeated letters sent asking for : I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. If they can not prove that they have sent this validation ( by way of certified documentation ) per my request they are in violation of the Fair Credit Reporting Act. Furthermore given that the time has lapsed from the date of the original request they have to delete this line from my XXXX report As they are in violation my next step will result in small claims court seeking legal remedies. 


Original Complaint. 
I have sent repeated letters to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX asking that they validate the debt that they are showing on my XXXX Credit Report. I have sent two letters and have proof of delivery for both. It has been well over 60 days and I have not seen a response. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2016 about Credit card () with AMERICAN EXPRESS COMPANY (IL).
Issue: Other

Complaint: This account has been paid in full but is not being reported to the credit bureaus as paid in full. XXXX XXXX has been updated. But this account is not being reported. Why?

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (UT).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: These accounts have been established fraudulently without my consent, I have kept disputing these accounts with Equifax, XXXX  and XXXX. To this day I have not received any verification these accounts are mine. I request they be REMOVED IMMEDIATELY FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ALLY FINANCIAL INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: For years I have disputed the existence of the inaccurate account on my credit file listed by ALLY FINANCIAL. I am the victim of identity theft. I have corresponded with this company numerous times with no positive recourse.

I NEVER had an account ALLY FINANCIAL.

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 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (UT).
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. I am extremely disappointed with how equifax has handled reporting this breach. 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. 

Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Debt collection (I do not know) with Ad Astra Recovery Services Inc (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I do not have a contract with this Ad Astra. I have never signed a contract with them and I am not liable for any debt associated with this company. I have requested through all 3 credit bureaus for validation of this account with a signed contract from me obligating myself to this company and have never received from this company. I am not responsible for the alleged debt. I have asked the credit bureaus all 3 to obtain the following information. What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent and Signed contract with my signature. I have been victim to identity theft and have been victim to scams related to alleged debts that were found to not be mine so I am very proactive in validation of my accounts. I have contacted the following credit bureau ( XXXX and XXXX ) and they have reported that this account is validated and I have not received any information personally that shows validation of this account and I have requested it twice. This is my last option and then I may have to retain a lawyer to see what can be completed.

Company response to consumer: Closed with explanation