milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-11-2017 about Debt collection (Medical debt) with Jon Barry and Associates, Inc. (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX XXXX has inaccurate information reporting to the credit bureau 's regarding a medical bill that is not mine. I have disputed these accounts twice and they are not giving me the info I have requested.I was in an accident and this was paid for by my attorney, throught the other party 's insurance company. The letter below is what I have sent them and the 3rd party company has not responded to my requests. The account number for this 3rd party creditor is XXXX amount {$2100.00} The letter below is what was sent to them regarding this account XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Dear XXXX XXXX XXXX, After viewing a copy of my credit report, I noticed a collection account placed on my credit from XXXX XXXX  in the amount of {$2100.00} Account # XXXX. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore, my request is twofold -- validation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me. Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/23/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Using a debit or ATM card

Complaint: I deposited/ {$2800.00} cash at Chase XXXX branch ( XXXX XXXX XXXX, XXXX , NY XXXX ) ATM machine on XXXX/XXXX/2015 at around XXXX - XXXX. After I put in all my money bills in, the monitor showed that I deposited too many bills at one time, so the machine first spitted out my money back. When I about to go grab my cash back, the machine sucked all my money back in then the whole machine froze and not responding nor printed out any receipt. First, I waited in front of the ATM machine to see if it will return my money back. After waiting for about 10 min, I went into the bank and call for help. Chase bank sent a XXXX speaking lady to help me. Then this lady told me that this happen before that the machine could spit out the money in about 10 min, so the lady waited with me in front of the machine for about another 15 min. After the long wait, she sent me to the office and there was another customer service man helped me to place the phone call to Chase Claim department because, according to them, they are different department and they could n't do anything for me besides place a phone call to Chase phone line. I spoke with a lady on the phone line and she told me that she will go ahead to put a CREDIT DUE TO ATM DEPOSIT DISPUTE of {$2800.00} to my checking account and they will take care of everything. On XXXX/XXXX/2015, a credit was placed in my checking account. I trusted Chase bank because I 've been a customer with Chase for a long time. However, on XXXX/XXXX/2015, I checked my account statement online and found Chase posted a REVERSE CREDIT FOR ATM DEPOSIT DISPUTE of {$2800.00} to my checking account on XXXX/XXXX/2015, so I called Chase at XXXX right away and spoke with claim specialist XXXX at XXXX on XXXX/XXXX/2015, and found out the Chase could not locate extra cash on that ATM machine. I requested Chase to re-investigate my claim on XXXX/XXXX/2015. On XXXX/XXXX/2015 at XXXX, I went back to Chase bank XXXX XXXX XXXX XXXX, Flushing XXXX NY XXXX ) and request to get additional help in person. I spoke with Officer Relationship Banker XXXX XXXX regarding my case again, then the answer I got was the same which they will re-investigate this case. On XXXX/XXXX/2015 at XXXX, I called Chase at XXXX and spoke with their claim specialist Preftom regarding update of my claim. The answer for Chase 's 2nd investigation was the same which they could not locate the money and I will never be able to get my {$2800.00} back. I questioned Chase 1 ). what if the ATM machine did spit out my money back later then someone took it? 2 ). Did the investigation team check the surveillance camera ( there are at least 4 cameras in each corner ) to see if any one took my money after I left because I was instructed by their employee that they will take care of everything? 3 ) If I could speak to the investigation team directly? After all, their answer was NO and there is nothing they can do at this point.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Dear CFPB, My name is XXXX XXXX with last SS # XXXX lives at XXXX XXXX XXXX, XXXX, XXXX XXXX. XXXX XX/XX/XXXX. I have found the information from my TransUnion credit report is incorrect that shows collection of {$260.00} from XXXX XXXX. 

The fact is, on XX/XX/XXXX I was scheduled to see my primary doctor at XXXX XXXX XXXX in XXXX, XXXX XXXX for sick visit. And later I received bill shows {$200.00} my responsible for it and my mother helped me contacted them to find out why I got bill for because I know it was covered under my health insurance. And I was told that charge for out patient fee. And I made this clear to register office that bill is not correct for charge because I was scheduled to visit the doctor. 
This is not fair to me. I hope CFPB may help to solve this matter. 
I look forward to hearing your resolve. 

Thank you. 

XXXX XXXX. 
my contact information : 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 05-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Clarity Services (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: I'am a victim of identity theft. I have a fraud alert on all credit bureau 's. On  XXXX   XXXX ,   XXXX   someone tried to obtain a loan through  XXXX . I was notified from  XXXX  and they began an investigation. A few hours later I received a letter from  XXXX  denying my loan because of my  credit score,  and various other reasons listed on my credit report. Not once did  XXXX  reach out to me and inform me that someone was trying to obtain a loan in my name. This is the reason for the fraud alert. It is clear  XXXX  ignored the fraud alert. I called  XXXX  and explained about the identity theft and the fraud alert and was told no loan was issued. How does this help me? Why was I not contacted? I also want the inquiry removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2015 about Debt collection (Payday loan) with Commercial Recovery Systems (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I want to begin by stating the following story is not an exaggeration. For the last 6 years and I repeat, 6 years, a company known as Commercial Recovery Systems ( CRS ) calls me and states I have an outstanding payday loan. I have never received a payday loan. Back in 2008 I was the victim of Identity theft and hired an attorney to take care of everything regarding false loans. I have sent this paperwork to CRS over the years multiple times. 

This year the calls have increased. I receive a call from CRS XXXX times per week. Each time I answer they tell me the debt is mine, they have court papers they are serving me, they are going to garnish my wages, and much much more. When I try to explain to them that they have the wrong person, they tell me I am a professional debtor and I need to pay my debts. 

I am going mad over the harassment. No one I contact can sue these people. Each attorney I have contacted says this agency does not respond to court documents. How do I stop them? I am asking the FTC to provide me with peace and quiet. Please stop this company who is in constant violation of the Fair Debt Collection Practices Act. No one should be treated the way I am being treated. I have been dealing with this agency since XXXX. It seems like every other year they re-vamp and begin harassing me. I am becoming fearful and I do not know what to do. I have had to freeze my credit bureaus in order to avoid any further identity theft incidents.

Company response to consumer: Untimely response
Consumer complaint received 07-07-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Deposits and withdrawals

Complaint: My checking account information with Bank of America was taken by thief 's. The thief 's began to present unauthorized and unsigned checks to BofA against the account. Once we identified what was happening we met with a bank representative in the branch office and withdrew all the remaining cash from the account and confirmed the overdraft protection would be turned off so that any future checks presented on the account would be returned non-sufficient funds. We then made an appointment to come back next week to close out the account. When we came to close the account we were informed the thief 's had presented additional checks and they were honored AND we had additional overdraft fees as a result. BofA informed us that we could not close out the account because the account was now in a negative balance ( due to the checks that were honored and the overdraft fees ). They informed us that unless we pay them {$450.00} they will continue to assess fees, continue to honor bogus checks, and pursue the balance including assigning this to a collection agency.

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 05-08-2015 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: RE : XXXX Loan serviced by Seterus , Inc . 
To Whom It May Concern : I am writing to you about issues that I have with Seterus. I closed on the townhouse property XXXX XXXX 2005. Due to the market at that time, I had more than XXXX % equity in the townhouse at closing. However, I was told that I would have to pay PMI ( private mortgage insurance ) for only 2 years. As you well know the real estate market subsequently crashed. My mortgage became underwater through no fault of mine. 
Since the XXXX 2005 closing, my mortgage was bought and sold several times without my prior approval and/or prior knowledge. I have been paying PMI for 9 years and 9 months. WHY?

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2016 about Debt collection (Medical) with Kross, Lieberman & Stone, Inc. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I do not answer unknown numbers because of frequent solicitation calls, I received about XXXX phone calls within the span of a day and a half, the caller would not state his business and would just leave a name and number to call back. All of these calls were during business hours when I 'm not able to use my cell phone for personal business. I called the number back when I got a free minute on my lunch hour and spoke with the gentleman, he let me know it was to collect a debt, I asked him if he could please mail or email me a statement so I can make sure it 's valid, he gave me an email address to request a bill, I emailed requesting a bill the same day, I did not receive a response until the next day with my name spelled wrong on everything, I asked them to correct before I make payment. I continued to receive multiple calls while corresponding and cooperating via email.

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: MY CREDIT HAS BEEN IN CONSUMER AFFAIRS DEPARTMENT WITH EQUIFAX SINCE 2009 THEY CLAIM THEY PROTECTING MY IDENTITY BUT THIS NOT ONLY EFFECTING ME BUT IT IS EFFECTING MY FAMILY I CANT PURCHASE A HOME BECAUSE THERE ARE ACCOUNTS ON MY CREDIT FROM IDENTITY THEFT. I HAVE PROOF OF THE ACCOUNTS PREVIOUS BEING DELETED ALSO IT IS EFFECTING ME WITH IRS BECAUSE THEY HAVE BUSINESSES REPORTING INCOME THAT I HAVE NO CLUE WHO THEY ARE FROM AND IT IS SPILLING OVER FROM MY CREDIT TO IRS.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: I deposited a check for {$2000.00} at my checking account that was given to me by outstanding debt and the check was a fake and I had no knowledge of it, the Bank now has me locked in all banks and can not open any checking account, I have tried to locate the person that means the check and i have been unable

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2016 about Debt collection (I do not know) with Credence Resource Management, LLC (IL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They continue to call everday and always leave a silent voice mail ( no body speaks )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-05-2016 about Credit reporting () with EQUIFAX, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I had a dispute over some inaccurate information that Equifax supposedley verified, but they did not do an actual investigation. I called Equifax 's customer service number and the employee said that Equifax is n't responsible for actually verifying information, they just send the dispute, and the " verification '' is done through XXXX, in which all the creditor has to do is say their information is correct, and " that is good enough for them ''. 

XXXX XXXX Dictionary describes verification as " '' Confirmation of correctness, truth, or authenticity, by affidavit, oath, or deposition. 
Affidavit of truth of matter states an object of verification is to assure good faith in averments or statements of party. '' So in order for them to TRULY verify this account, they should be able to show me the sworn affidavit used to verify and the accompanying documentation as required pursuant to XXXX XXXX Dictionary which defines what " verification '' actually is. If not FDCPA 809b requires this to be deleted until they validate. I have requested validation and they have not produced it. So this should be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2018 about Debt collection (Medical debt) with Credit Bureau Systems, Inc. (NY).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: On XX/XX/XXXX, I sent a debt validation letter to Credit Bureau Systems INC, addressing my request for validation of the amount listed on my credit report that I recently received from XXXX  and XXXX in XX/XX/XXXX. Upon receiving a reply from " Credit Bureau Systems '', I began to research the company. Because I am XXXX XXXX, I am a legal resident of the state XXXX XXXX, though I reside in the state of XXXX XXXX temporary due to XXXX XXXX. The collections agency listed above, does not have licensing or bonds to report in the state of XXXX XXXX nor XXXX XXXX which is required by law as I researched both. Therefore, they can not request debt in a state in which they are not licensed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2018 about Debt collection (Credit card debt) with JH Portfolio Debt Equities, LLC (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: On XX/XX/XXXX, I successfully settled with JH Portfolio ( XXXX XXXX XXXX on all written correspondence ) for {$580.00} on a balance owed of {$830.00} ; I was sent a letter from XXXX XXXX XXXX showing that I owed a {$0.00} balance and that the debt was paid for less than the full balance. However, on my most recent credit report, pulled XX/XX/XXXX, I have a past due amount with JH Portfolio for the remaining {$240.00}. If I have a letter stating that I have settled the account, and it is now closed, why is JH Portfolio/XXXX XXXX XXXX still reporting the forgiven balance as past due?

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 07/22/2016 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Loan servicing, payments, escrow account

Complaint: **** NEW CRIMINAL /COMPLIANCE CHARGES ~ XX/XX/XXXX - XX/XX/XXXX WE STILL HAVE NOT RECEIVED A SINGLE MONTHLY STATEMENT IN THE MAIL AS REQUIRED BY LAW IN 2016. THAT TIME PERIOD INDCULDES XX/XX/XXXX TO XX/XX/XXXX. 

THE NOTICES STOPPED WHEN WE DISCOVERED AND FOUGHT THE LOAN FRAUD AND THE ILLEGAL COLLECTION ACTIONS BEGAN AND HAVE NOT STOPPED WE HAVE NOW HAD 5 DIFFERENT REQUESTS TO MAKE A {$1400.00} PAYMENT WITHOUT A WRITTEN EXPLANATION AS REQUIRED BY LAW IN JUST 4 YEARS. ( OUR PAYMENT WAS FRAUDULENTLY DISCLOSED AS {$840.00} USING ESCROW FRAUD ) ALTHOUGH OUR LOAN IS CURRENT, NATIONSTAR IS STILL INTENT ON STEALING THIS WIDOW 'S HOME FROM HER AND THEY ARE NOT GIVING ME THE OPPORTUNITY TO PAY MY LOAN WHILE I FIGHT THE OBVIOUS AND PROVEN FRAUD WE HAVE ASKED FOR MONTHLY STATEMENTS OVER 75 TIMES. IT WAS ASKED FOR IN PREVIOUS CFPB FILINGS AND THEY ARE STILL NOT COMPLYING. 

WHEN ASKED, NATIONSTAR REPS SAID, OVER AND OVER, " WE DO N'T HAVE TO MAIL OUT MONTHLY STATEMENTS '' THEY ARE INTENTIONALLY DEFRAUDING CONSUMERS AND THE FEDERAL GOV THIS IS PROVEN THE MOST RECENT REQUEST FOR A {$1400.00} PAYMENT WITHOUT WRITTEN EXPLANATION WAS THIS MONTH. AS OF XX/XX/XXXX ... NO MONTHLY STATEMENTS HAVE BEEN MAILED TO XXXX XXXX XXXX XXXX FL. THEIR DISREGARD FOR THE LAW AND CONSUMER RIGHTS SETS A NEW LOW FOR AMERICAN BUSINESS.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Student loan (Federal student loan servicing) with AES/PHEAA (VA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I was paying {$520.00} a month on my student loans in 2017. I lost one of my part time jobs which reduced my income by {$10000.00}. My payment increased to {$740.00} dollars which I can not afford. I supplied them my pay stubs that showed I have only one job now with the XXXX XXXX XXXX. They used my gross amount to calculate my payments which increased them by {$200.00} a month which is not right. Now I am in default because if I paid anything less then what they demand I would still be in default. 

My payments where quoted by their rep as {$430.00} which I can make and was told it would be changed. I started this process in XX/XX/2017 and still get XXXX from them. 

I spoke with XXXX # XXXX at XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/22/2016 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (WA).
Issue: Loan modification,collection,foreclosure

Complaint: I have a hard foreclosure date of XX/XX/XXXX and Caliber refuses to postpone the sale even though my agents have offered them a full payoff. The XXXX mortgage is with XXXX and they have verbally approved the amount, it takes a couple of weeks to generate the approval. 

XXXX told my agents that they will make more money by foreclosing and not paying a commission or payout to XXXX. IS THIS LEGAL THAT THEY CAN FORECLOSE ON ME EVEN WHEN OFFERED A FULL PAYOFF? I know there is no guarantee with a short sale, but when offered a full payoff does n't a bank have to allow the seller the chance to stay in his/her home? 

XXXX XXXX

Company response to consumer: Closed with explanation