milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/14/2017 about Debt collection (Medical) with Peterson Enterprises Inc. (WA).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I had a medical from the billing company, XXXX, for an XXXX in XX/XX/XXXX. I had other services since and paid the bills. I was sent a letter from Valley Empire Collections of XXXX on XX/XX/XXXX, that I owed this amount which I thought I had paid directly to XXXX, so I did n't pay the bill. I never received another letter or correspondence from Valley Empire, that was verified by XXXX at the office on XX/XX/XXXX. I just realized I have a derogatory note on my credit which started my questioning what bill it was referencing. She stated they have called but it is their practice not to leave a message. I explained that if you do n't leave a message, how am I suppose to know to call and pay it. So when I received nothing further after the first letter, why would I pay something I do n't know is still outstanding. I even suggested a second notice notice to let people know they have been unable to reach me, but they do n't do that either. So my complaint is really that I was n't given notice this bill was still pending and the company did not notify me of that so I could pay it and clarify why I still owed it in the first place. I know some people would n't pay their bills regardless of notice but as I explained to them, the people that would, like me, who has no late payments on any thing for years, thought it was paid, just needed contact, a second letter, message regarding the bill, that in a year it would seem like a smarter way to do business. It was paid today, once I clarified what had happened, and gladly paid what I owed but would like it investigated because it now has hurt my credit score, which will cost me more money for possible 7years, just because I was n't notified that it was still outstanding. I explained you can leave a message if you know it was the correct household, which she verified they knew the phone was correct, because my answering machine says my last name. I just feel this was unfair and something I could have clarified if I knew. Thankyou.

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2016 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because Equifax has continued to ignore my request to provide the documents that they have on file that was used to verify the accounts I disputed. Being that they have exceeded the 30 day mark and can not verify or validate these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2016 about Debt collection (Medical) with HCFS Health Care Financial Services, Inc. (NJ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: ARS account resolutions also noted as XXXX XXXX XXXX of XXXX in the amount of {$1200.00} on my credit report since XXXX should be removed. I am not aware of who or what this medical item is and have NOT been to a hospital since XXXX. I had medical insurance thru my company at that time, this all medical items from XXXX were paid thru insurance. This company has never contacted me via phone, nor have I ever received anything via Mail about owing such a large medical bill since I was never hospitalized. I never received notification of owing such a bill from this company and there is definitely not enough information from the listed details ( no details of debt, who bill is for, details of creditor not dates of service indicated ). Please remove from my credit report and lost this company as fraudulent. THANK you in advance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2018 about Vehicle loan or lease (Loan) with WELLS FARGO & COMPANY (MI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: " WFDS '' pulled my credit twice without authorization. Once on XX/XX/XXXX and again on XX/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 non-monetary relief
Consumer complaint received 03/24/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (TN).
Issue: Loan servicing, payments, escrow account

Complaint: I refinanced my mortgage last year and the mortgage was resold to Chase Mortgage. I now have 10 payments that have been misapplied. All 10 of these payments were made by check with written instructions on the check and with an attached mortgage coupon with written instructions duplicated on the mortgage coupon. 

My mortgage is a conventional mortgage and the governing deed of trust is a standard XXXX form. Chase is not following the processes set forth in the deed of trust. 

I would be happy if the standard language in the XXXX form were to be followed as it would have the same results as the written instructions that are not being followed. 

It is my understanding that Chase can only set rules about how they apply payments if I am late on my payments. I have never been late on a payment and some of my communications have been to get them to apply payments correctly before my due date. 

Chase keeps telling me that it is my responsibility to tell them when they need to make a correction, but the misapplied payments are routine and regular ( they have never gotten a single payment applied correctly ). 

I have approx. 30 contacts and communications with Chase mortgage and still have no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2016 about Credit reporting () with Experian Information Solutions Inc. (IN).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: EXPERIAN IS REPORTING THIS ACCOUNT IN ERROR! THIS ACCOUNT MUST BE UPDATED TO REFLECT DISPUTE UNDER THE FAIR CREDIT XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 01-03-2018 about Checking or savings account (Checking account) with ARVEST BANK GROUP, INC. (OK).
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint: As of XX/XX/XXXX my account with Arvest was overdrawn $ XXXX including {$130.00} in over draft fees. On XX/XX/XXXX a check from the XXXX XXXX XXXX XXXX XXXX was deposited in the amount of {$1500.00}. The date the check was deposited the the account was brought to $ XXXX. On Saturday XX/XX/XXXX the {$200.00} credit from the deposit was reversed and the check was placed on a one week hold. Arvest has deposited several checks ( over {$1000.00} ) from the XXXX without placing a hold on the account prior to XX/XX/XXXX.XX/XX/XXXX a payment was scheduled to come out of our account with Arvest to pay for our water bill. Since Arvest has placed a hold on our deposit. Our water is now turned off and we must pay an additional {$20.00} to have the water turned back on.

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 06/29/2016 about Debt collection (Medical) with S&S Physician Services, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: New cell phone number was assigned to me over 1 year ago and then shortly thereafter, Harvest-Inc. Medical Debt Collectors have contacted me almost daily using phone numbers XXXX ; XXXX ; XXXX ; XXXX in attempt to collect an apparent debt from another person. When I called them over a year ago and told them this was an assumed phone number from a previous owner and they told me who the debt was for, I informed them that person no longer had this phone number and did not reside here. Despite telling them this and also complaining to Do NOT Call Federal and State agencies, they continue to offend almost on a DAILY basis. My cell phone number filed with the DO NOT CALL agencies and which Harvest-Inc continues to call is XXXX. I have also sent Harvest-Inc. a letter form developed by the XXXX XXXX XXXX titled : Request for Debt Collectors to Stop Contacting You that gives them formal notice in writing under the Fair Debt Collection Practices Act to cease contacting me-EVEN though they were informed OVER 1 YEAR AGO they are contacting the wrong individual and that I am registered on the DO NOT CALL list, yet they have offended by continuing to contact me almost daily for OVER 1 year despite telling them to cease all contact OVER 1 YEAR AGO.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed
Consumer complaint received 04-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
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: It is very important to note that I am a victim of identity and this company fails to take this into account. I first disputed this on XXXX and sent over all the documents to verify my claims but to my surprise, these company still reports these fraudulent or linked to fraudulent activity accounts. 

I do hereby declare my intention to sue however, I will greatly appreciate if we can do away with the legal battle and have this good office do the following : ( 1 ) remove any and all misleading personal information items, ( 2 ) update and correct the accounts that Ive stated in the attached letter, ( 3 ) remove/delete the other accounts that are not mine and which I have absolutely no knowledge of, or are unverifiable, incomplete, and obsolete. 

Among the particular items of focus is the reporting of the following : 1. ) XXXX CARD ref # XXXX late payment history incurred due to fraudulent activities on this account. 
2. ) XXXX XXXX XXXX ref # XXXX -- - this is not my account. I am not liable on this account. Delete this 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 non-monetary relief
Consumer complaint received 06/19/2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (AR).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I checked and my credit and saw an unknown account i immediately sent them a registered letter requesting a copy of a contract or my signature. Took 63 days for them to respond and the only information i received was my name, my last 4 ssn and an amount, i called the number they provided and ask them to provide proof this was my account. They said they do not have a contract with me and when i said then i want this removed from my credit bureau immediately due to the FCRA .They at this point got really angry and began to yell. They will not provide me or the bureaus with anything other than this one page. Please help me! the company is Portfolio recovery

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2016 about Debt collection (Medical) with California Business Bureau, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Refused to accept my insurance claim. Refused to allow for payments. Continues to call outside of XXXX-XXXX business hours. Has kept multiple paid accounts on credit report stating they would not remove until paid account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2015 about Debt collection (I do not know) with Wexford & James LLC (NJ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Dear Sir/Madam, I dispute the alleged debt. It is my understanding that I am not the debtor, nor was I the principal or shareholder of the debtor. Please validate the alleged debt and provide varification thereof the claim is due and owining from me, including but not limited to:XXXX ) Copies of the original signed application, lease agreement. any other loan and lease documents, that relates to the matter ; XXXX XXXX Proof of valid assignment of the alleged debt to me ; XXXX XXXX Complete payment history & books and account records going back to the original creditor ; andXXXX ) Notice, correpondonces, and any other communications with the third party and me

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with The CBE Group, Inc. (VA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They call up to XXXX times a day, never leave messages. Start calling at XXXX till as late as XXXX at night. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (DE).
Issue: Account opening, closing, or management

Complaint: I opened a Citibank checking account ( Account number : XXXX ) and deposited {$15000.00} on XX/XX/2016. According to the promotion, this newly opened checking account with {$15000.00} balance is eligible for {$400.00} cash bonus after 30 days. I also received new account welcome package and debt card on XX/XX/2016. However, on XX/XX/2016, I received a letter from Citibank declaring that Citibank closed my account on XX/XX/2016. The notification did n't go with a justified reason, and account balance {$15000.00} was also returned via check. 

I called Citibank customer service for a explanation, they failed to provide a reason. 
Citibank should not use my {$15000.00} for free for 30 days then closed my account to evade the obligation for paying {$400.00} cash bonus.

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 12-02-2015 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: i complained about this company on XXXX/XXXX/2015 and they asked me specific case that i am disputing,,, i am disputing on XXXX Card on My file they changed the payment dates several times Only ON XXXX, it shouldve Fallen off long time ago but some how they have acces on youre data and change the last payment time which is wrong,, Also i had XXXX accounts on My record which Fallen off due to statue of Limitation but still you reporting the original creditors on my record which has a wrong date on it and these accounts are Showing as Closed accounts but still in my record the XXXX accounts are the ones i am Talking about since XXXX agreed and stooped Reporting XXXX also suppose to Follow not stay in my recordthank you

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My husband and I have started looking into a home mortgage and we discovered that I had a few unknown items/errors on my credit report. For this complaint the credit card closed and charged off is showing from XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX. This account shows as closed on XXXX/XXXX/2013. The balance showing owed/charged off is {$2700.00}. I have no knowledge or ownership of a credit card account from XXXX 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 non-monetary relief
Consumer complaint received 12/18/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: TransUnion has refused to update my personal information correctly several times. I have sent numerous letters asking them to correct my information. They just keep saying verified. Verified with who??? Here is my Identification with my proper address. I told them I never lived at the address they are reporting. They said the creditors are reporting this. The creditors " reporting '' this address is the account opened by the identity thief. Attached is my proper Identification and address. I would like my correct address displayed properly on this credit report and not this fraudulent address. XXXX XXXX XXXX XXXX XXXX DE 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 non-monetary relief
Consumer complaint received 02-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: According to my credit reports, XXXX is reporting the following negative information to all major credit bureaus : 1 ) Late Payment - XX/XX/XXXX 2 ) Late Payment - XX/XX/XXXX I have never been late on payments. With regards to the supposed late payment for XX/XX/XXXX, on XX/XX/XXXX a representative of XXXX stated that the late payment record ( XX/XX/XXXX ) will be removed from all credit bureaus and any fees associated with the late payment record will be refunded/credited as the payment was never late. 
With regards to the supposed late payment for XX/XX/XXXX, that payment was never late. The late payment record was caused due to XXXX fault because of the following : For the month of XX/XX/XXXX, I mistakenly initiated a double payment. I made the mistake of making a payment twice. Because of this I contacted my bank to make a stop payment request for one of the duplicate payments. After that I contacted XXXX to notify them of the double payment and to inform them that I contacted my bank to stop the duplicate payment. XXXX assured me that this wouldnt be an issue and that they will take care of it on their end to make sure that I dont incur a returned payment fee. Well it turns out that XXXX refunded me for the payment that was not going to be returned by my bank ( the duplicate payment was stopped by my bank ) without my authorization. Because of this, not only did I incur a returned payment fee by XXXX, I also incurred a late payment fee by XXXX because XXXX refunded one of the duplicate payments without my authorization. I believe XXXX did this on purpose in order to charge me 2 fees ( returned payment fee and late payment fee ). As soon as I learned that XXXX refunded 1 of my payments without authorization, I made a payment to my account since it was considered past due because of XXXX unauthorized refund of one of my payments. 
I DID NOT REQUEST XXXX REFUND ME FOR ONE OF THE DUPLICATE PAYMENTS.

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 06/25/2015 about Debt collection (Medical) with N.A.R., Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This debt is not mine and has previously been removed from my XXXX Credit report. This company " North American Recovery '' continues to keep putting this collection account on my credit reports even after the have failed to provide proof this account belongs to me. In fact they have deleted the collection account on my XXXX credit report then they resubmitted it on my XXXX credit report. I disputed it on XXXX credit report, but XXXX stated it was verified by North American Recovery but XXXX companies have failed to show how it was verified and refuse to show proof this disputed account belongs to me after several attempts of requesting the information. These companies need to be held accountable for their false reporting of collection accounts. I am requesting North American Recovery provide proof this collection account is valid and belongs to me. I request they provide me with a document bearing my signature showing I am the responsible party for this debt. When they fail to provide such information I request this false collection account be IMMEDIATELY DELETED from my XXXX credit file until such document can be provided bearing my signature showing I am responsible for this debt. This companies continued actions has cause severe damage to my credit rating without providing me any document bearing my signature showing I have agreed to pay this debt or that this debt belongs to me. They have verified this account as my account with XXXX on XXXX XXXX, 2015 and failed to provide me proof how this collection account was verified to be mine. If North American Recovery denies this I can down load proof they are liars because my ( XXXX dispute confirmation number is # XXXX ) and North American Recovery needs to be held responsible for the damage they have caused to my credit rating. I am demanding this collection account be deleted from any and all XXXX of my credit files where it is listed XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Credit Bureau is reporting inaccurate information on credit report with XXXX XXXX.
Account went from OK XXXX-XXXX, LATEXX/XX/XXXX, CHARGED OFFXX/XX/XXXX NO DATA XX/XX/XXXX-XX/XX/XXXX, BACK TO CHARGE OFF XX/XX/XXXX, BACK TO NO DATA XXXX-XX/XX/XXXX, BACK TO CHARGE OFF XX/XX/XXXX-XX/XX/XXXX CHAGED OFF ON SEVERAL OCCASIONS

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2016 about Debt collection (I do not know) with Meridian Financial Services, Inc. (AZ).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: They called family members my parents and ex-father-in-law claiming I threatened someone and they needed a statement against 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