milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-06-2017 about Debt collection (Medical debt) with HCFS Health Care Financial Services, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: ARS has been reporting a collection account to XXXX for at least the last year, regarding a medical debt to XXXX XXXX XXXX for services dating from XXXX. 

When I look at the address ARS reported as associated with the debt, it shows an address in XXXX, XXXX XXXX, where I have never lived. This debt is n't mine. And I have never lived in XXXX XXXX or used any address there. The item does n't show on my XXXX or XXXX XXXX credit report, it only shows on XXXX. 

So, I disputed the debt via XXXX several times. XXXX says they contacted ARS, who " confirmed '' the debt is mine, although I was provided no information how ARS made this confirmation. How did ARS determine this was mine? Especially when the billing address is XXXX miles from where I live? 

ARS does n't seem interested in checking basic facts before reporting to what can effectively ruin my chances of getting loans. Despite it not being on either of my other reports, and despite nothing else on my credit indicating I 've ever lived in PXXXX 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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax compiled my personal and confidential financial information, and the information of millions of others. Equifax had a duty of confidentiality regarding this information, to keep it safe, as consumers are not able to " opt out '' of Equifax in this modern financial era. 

Equifax breached this duty when they did not take measures to ensure they were not hacked. Equifax was, in fact, hacked, breaching their duty of confidentiality ; names, Social Security numbers, birthdates, driver 's license numbers -- all were made available to criminals due to Equifax 's negligence in not providing sufficient security when there have been recent hacks into the financial files of many large companies. Further, Equifax withheld informing consumers of this hack for an unreasonable amount of time. 

Upon checking Equifax 's webpage, I received the following notice : " Based on the information provided, we believe that your personal information may have been impacted by this incident. ''

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2015 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (SC).
Issue: Loan servicing, payments, escrow account

Complaint: failing to accelerate the loan prior to initiating a foreclosure action.

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2017 about Mortgage (Conventional home mortgage) with LoanCare, LLC (MA).
Issue: Trouble during payment process

Complaint: My mortgage is with  XXXX   XXXX   XXXX . They hired  Loan Care t o handle the escrow money up until   XXXX   XXXX   XXXX    , then  XXXX  hired  XXXX .    Loan Care pai d a real estate tax payment and withdrew the funds out of my escrow, the  City o f  XXXX  did not apply this money to my account. During this time  XXXX  noticed my RE Tax payment was late so they paid the late tax bill and withdrew the money out of my escrow account again not realizing that this is now a double payment.   I have the proof from the city that the money was never applied to my account and i have proof that the money was taken from my escrow twice.   I have tried to reach  Loan Care  and  XXXX   XXXX  has tried to reac h Loan Care. T hey are not returning my calls and they told  XXXX  that the payment was made with other tax payments in  XXXX  check but they are not going the extra step to either give me the check info so that i can research it or call the  City o f  XXXX  themselves to get this straightened out.   they owe me {$1600.00} plus late fees paid to the  City o f  XXXX  and interest to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2016 about Credit card () with BARCLAYS BANK DELAWARE (NY).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I found a fraudulent charge on my Barclays Elite Black Card and I have been a loyal customer of theirs for many years. However, when I attempted to report the charge to them, I was told that I needed to file a police report. I faxed them this report many times and keep being told that it is not received, despite the confirmation I have for the faxes I have sent. Now it has been nearly three months since I initially reported the charge in XXXX of XXXX. On XXXX/XXXX/XXXX I attempted to speak with Barclays about resolving the matter, they finally confirmed receipt of the police report and then attempted to tell me the fraud dispute has been closed since XXXX of XXXX which is impossible since I did not notice and report the charge until XXXX of XXXX. Once I said this was incorrect the investigations representative became very rude and hung up on me when I asked to speak with a manager that could investigate the faulty information. When I called back, twice, I was hung up on again by the investigations representatives each 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 02-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: XXXX credit reporting agency is not reporting my XXXX credit card account which has a zero   balance. They are also missing information on my XXXX credit card account. I am also complaining because an account XXXX  XXXX XXXX that was previously deleted off my report is appearing again. It is showing as an adverse account. It was deleted now its re-appearing.

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 12/31/2015 about Prepaid card (Gift or merchant card) with CITIBANK, N.A. (AZ).
Issue: Fraud or scam

Complaint: In XXXX 2014 XXXX gift cards I purchased at Home Depo each for {$500.00} for total of {$1000.00} ended up having a value of {$0.00}. The store told me the cards were used in California after I purchased them. I always had them in my possession and I believe there is big time fraud going on there with gift cards. My research says people maybe even the mgmt of this company gets the numbers on back of cards re inks cards then innocent people like me get ripped off after buying them for gifts. This was on TV news recently which is why I decided to pursue this a year later. These cards should be locked up etcc.. before selling but if Mgmt is involved that wont help ... ... ... I purchased other cards at different home depot and they were fine ... This XXXX store is commiting fraud and they act stupid when its brought to there attention see letter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX XXXX refuses to remove derogatory information. The last " payment '' date they report is XXXX but they are telling Experian the last " delinquency date '' is XXXX. It is my understanding that the " date of last payment '' starts the " seven year '' clock. I was caught up in the Deceptive Trade Practices Lawsuit the State of Texas won against them for their Warranty practices. They " sold '' the debt to XXXX who I 'm quite sure your familiar with. XXXX deleted their information but XXXX remains. I have contacted XXXX and they claim they " ca n't talk to me '' because of XXXX 's involvement and then hung up. I take full responsibility for not paying them and returning their property but right is right and they should be held accountable for their actions. The people at Experian agree that the delete date should be this month but their hands are tied by XXXX deceitful reporting. Unless I 'm wrong XXXX should be held to the XXXX date as the " first delinquency ''. Of note is the fact that XXXX own reporting shows no XXXX/XXXX/90 delinquency reports, it goes from " paying '' to " Charge Off ''. I firmly believe based on my dealings with XXXX they do not have a clue as to what the correct information on this account is. In prior conversations when asked about specific dates they replied " all of those files were sold to XXXX ''. All I want is to be treated fairly but XXXX will have to be dragged to get them to do right. Thanking you in advance for your time and help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2017 about Consumer Loan (Vehicle loan) with NATIONWIDE ACCEPTANCE CORPORATION (IL).
Issue: Problems when you are unable to pay

Complaint: A court day for judgement from Nationwide Cassel L.Prepresented by XXXX XXXX, IL XXXX Is over 15 or 16 years old. They have issued a summons to appear in court to collect this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: experian keep reporting wrong information on my report i have contacted them many times about XXXX XXXX  XXXX acct # XXXX this account has been paid in full with no balance but they keep showing a balance and saying its been certified by the company as accurate which i know experian is not telling the true because the company gave me a letter to send to them and they yet still say the information is accurate also acct # XXXX with XXXX XXXX XXXX is close and they still showing balance when i dispute items on my experian report they always say the item have been certified as accurate they are not checking the information to see is it accurate or not i am tired of fighting with them about putting miss leading information on my report i have support ducments

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 04-07-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Credit report shows two different social security number under my report in personal information section. I disputed different social security number shows up in my report but credit reporting company said they can not remove it because that information is coming from the lender. And because it is XXXX digit different they were thinking some of lender 's operator made a simple mistake during their input process so considered it as minor, but It is not minor problem to me. I am an XXXX military XXXX and during my background investigation they found XXXX different social security numbers and the government is considering me as some type of cheater or dishonest personnel and possibly losing my career with this silly mistake someone made.

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 12/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: In XX/XX/XXXX, I received notice from my credit reporting agencies regarding an account with XXXX. This account was closed over ten years ago at my request. All statutes of limitations have expired on this account and it is against the law for this to be appearing on any current credit reports. XXXX has falsified contact and payment information starting in XX/XX/XXXX in order to continue damaging my credit and increasing the amount of this falsified debt. XXXX had refused to remove this from my credit reports. Furthermore, all three agencies ( XXXX, Equifax, XXXX ) are still reporting this expired debt. All of my attempts to remove this negative report have been ignored by XXXX as well as the three credit reporting agencies and they continue to violate fair credit reporting laws. XXXX is a predatory lender and a simple XXXX  search on the internet will reveal how many military personnel and their families have been hurt by this company. XXXX went so far as to contact me after I had been XXXX XXXX in order to establish this account with me. It clearly states in their own policy that XXXX accounts are for active military personnel only. I was approached while undergoing medical treatment at a VA hospital and should never have been solicited in my medical condition to open an account as a veteran. Upon closing my account, and attempting to set up a reasonable repayment plan, I was denied, and they immediately reported it and refused all attempts by me to remedy this debt. My final contact with them was in XX/XX/XXXX and I have had no further contact by telephone, text, email or US postal service. However, they continue to falsify credit reporting statements with fictitious statements regarding payments and communiques. This allows them to continue to report what should be an expired debt.

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
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: Equifax reports twice that I owe a medical debt through XXXX XXXX XXXX for {$370.00}. I have asked for proof that I owe the debt but they refuse to update or remove it when I disputed it twice. I called the reporting agency and they could n't provide proof of a bill and still refuse to remove it. 

Equifax not only refuses to remove it they reported it twice on my report and ignored my dispute of the issue. 

The issue is they list twice on XXXX XXXX, 2016 a debt listed by XXXX XXXX XXXX. I asked for a bill and also to remove the double reporting of the issue. Equifax just ignored my dispute and continued reporting it without actually taking action on the dispute information I provided. They ignored me and did n't even act on the information I provided them.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX XXXX, I mailed a letter requesting cancellation of PMI. I provided information regarding the percentage of the loan to the original value of the home along with an offer to make a XXXX time flat principal payment to get the loan to the 80 % mark as required. Today I contacted Greentree and they stated they imaged my letter on XXXX XXXX. The representative stated she would request that the escrow department take a look at my letter and they should get back to me by XXXX XXXX. This seems rather long to process a request such as this.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I had 2 lates on my XXXX XXXX dated back XX/XX/XXXX. I was a victim of identity theft in which my accounts were compromised, as a result, I had to close them down. A police report was filed. 

XXXX refused to remove the lates of 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 08-04-2017 about Mortgage (VA mortgage) with FRANKLIN AMERICAN MORTGAGE CO. (TX).
Issue: Trouble during payment process

Complaint: Two VA mortgages were refinanced in late XX/XX/XXXX and assumed by Franklin American Mortgage company ( FAMC ). After 11 months of existence, FAMC has mismanaged the loans in their entirety, with focus on the XXXX property identified below. They have failed repeatedly to properly establish and make legally obligated payments from Escrow per the RESPA. Further, since XX/XX/XXXX they have deliberately caused delays in payment processing to create opportunities to file fraudulent and negative credit reporting information. For the past two months, they have credited payments toward another account ( XX/XX/XXXX per below ) in further attempts to cause delays in loan payment processing. The primary loan in question is for a rental property located at XXXX XXXX XXXX ( XXXX ). The second loan is for my homestead at XXXX XXXX XXXX XXXX ( XXXX ). All payments are sent directly from my bank to FAMC, well within the monthly grace period, and with proper identifying account information. However FAMC continues to credit payments for the XXXX property to the XXXX XXXX property with the latest violation on XX/XX/XXXX. Bottom line, FAMC has mismanaged this loan every month in one manner or another since its inception inXX/XX/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 03/14/2017 about Credit card () with SYNCHRONY FINANCIAL (NY).
Issue: Other

Complaint: I overpaid by over {$1300.00} my Sam 's credit card which is financed by Synchrony bank on XX/XX/2017. I have made multiple calls to the bank to get the overpayment refunded back to my account. The customer service person said they ca n't refund the money back to my account, but they ca send a check in 15 days. This money have been out of my account since XX/XX/XXXX, today is XX/XX/XXXX, why have n't I received my refund. This is unfair to the consumers because these banks take the money out of your accounts in seconds, but it takes weeks for the consumer to get their money back.

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 04/23/2015 about Payday loan () with Amati & Associates LLC (MD).
Issue: Charged fees or interest I didn't expect

Complaint: On XXXX/XXXX/XXXX I applied for a payday loan from XXXX also known as XXXX in the amount of {$400.00} with a {$120.00} finance fee. It also stated my payment was due on XXXX of each month which would automatically pay down by 5 % of the original principal balance plus the finance fee, and will continue to pay down by 5 % of the original loan amount in addition to the finance fee on each following due date until the loan has been successfully paid off. I could only pay the {$120.00} monthly so the balance of the loan never decreased. They were deducting the funds from my XXXX XXXX XXXX visa debit card for 4 months. I had to close the account because of the large amount of interest that was being charged. XXXX website states I no longer have an open account with them according to their website. As of XXXX/XXXX/XXXX I have been receiving threatening collection phone calls from Amati and associates from a agent whose name is XXXX XXXX at XXXX. XXXX stated that I have XXXX criminal charges pending against me and that if I do not pay {$720.00} I will be served a court order. She stated if I pay I can apply for a stand down and make payment arrangements. I feel like I have been apart of predatory lending and that enough has already been paid back in interest.

Company response to consumer: Closed with explanation
Consumer complaint received 02/29/2016 about Credit reporting () with Fidelity National Information Services, Inc. (FNIS) (NY).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Perusing my ChexSystems report, I noticed an incorrect address. I wrote to ChexSystems and asked them to remove the incorrect address. ChexSystems responded stating that the address in question was submitted by a financial institution associated with my account. This is not true. Although, " XXXX XXXX Bank '' is listed on my report, I have never had XXXX XXXX bank account, nor have I ever wanted one. The address " XXXX XXXX ... '' should be removed, along with " XXXX XXXX '' from my ChexSystems bank 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 12/28/2015 about Prepaid card (General purpose card) with U.S. BANCORP (TX).
Issue: Fraud or scam

Complaint: I purchased a gift card on XXXX/XXXX/2015 in the amount of {$250.00}. I attempted to use the card in the evening on XXXX/XXXX/2015 and it was declined. I called the customer service number on XXXX/XXXX/2015 and a representative told me that the cashier must have activated the wrong gift card but that she could see the money. I was instructed to fax over some information ( front/back of card, activation receipt, name, phone number, email address, contact time preference ). I did this on XXXX/XXXX/2015. I called back on XXXX/XXXX/2015 to inquire on the status of the fax and was told that it would take 7-10 business days after the fax was received. I asked to escalate the issue and that group informed me that it was n't an activation issue. He said someone had tried to use the card twice in XXXX so when I purchased it in XXXX they decided to not activate it. So the company is holding onto my {$250.00} and giving me the runaround on how to get it back. I 've called them XXXX times ( with a hold time of no less than XXXX minutes ) and every time I receive a different set of instructions. I just called again and they said they were waiting on my fax. I stated that I had already faxed it in so they placed me on a brief hold. They then informed me that they had received my fax and were waiting on additional action from me. I would now need to fax in my address and that the voicemail left on XXXX/XXXX/2015 stated that. I replayed the voicemail to make sure I did n't miss anything. I have been unsuccessful at every attempt made. I feel this is fraudulent and misleading. If the company knows that an attempt has been made to use a gift card prior to it ever being sold, they should not be allowed to take the consumer 's money and have them scrambling trying to recover it. This company knowingly sold me a useless gift card with the knowledge that I would not be able to do anything with it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief