milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/22/2017 about Debt collection (Medical debt) with Senex Services Corp. (NJ).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: senex collection agencies has never notifed me of out standing medical debts they have me listed as derogatory on a ll   XXXX   credit bureaus  I have 100 % fullcoverage medical insurance Senex issue is with medical providers and not me the patient I have never recived an bill from them, additionally senex is trying to double bill, the medical provider was paid by insurance and now   XXXX   is attempting to recive additional monies!     they are unethical and hurting my fico score

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2015 about Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: We initially started a refinance with our current Lender, Freedom Mortgage. After receiving the rates, we decided to go with another Lender. We are at the final stages of completing the new loan transaction and paying off the Freedom Mortgage Loan, and require a " payoff statement '' from Freedom Mortgage. Unfortunately, this process is being held up because Freedom Mortgage refused to give it to our new Lender sighting " we were working with them still ''. Since that is n't true, we wrote a letter indicating we were no longer working with Freedom and instead, we are working with XXXX XXXX. 

Even after providing this letter ( which Freedom Mortgage required ), our new Lender has not been able to obtain a payoff. I ( XXXX XXXX ), then contacted Freedom Mortgage personally, in another attempt to obtain the payoff. I was told by the frontline representative that it will take two ( 2 ) weeks to mail it, which is unacceptable. They 've had ample time to order the figures if need me, so that it can be ready for us to have in-hand. After asking to esclate my request, I was then connected with a manager who stated that they might be able to have it ready and fax it to XXXX, but there were no guarentees. As you can understand, every day this take longer, I 'm being charged additional interest at a higher rate, than if my loan was with XXXX, so it 's important to me to get the payoff statement quickly, so that we can move forward. I 'd like to understand what Freedom 's timeline is for providing a payoff? Waiting two weeks or to be told " I might be able to get to you '', seems like a bad busines practice. I checked Freedom 's website, and all though it 's covered with informaiton on how to refinance with them, there 's not even an option for me to electronically order one ( an option most servicers provide ). By not processing these statements quicker, it seems like a stall tactic so that you can continue to charge me interest at a higher rate, and to try and pursuade me to do business with you only. My request is that you ( 1 ) Provide a payoff statement ASAP directly to XXXX via fax @ XXXX attention XXXX XXXX and to ( 2 ) please help me understand how your only option for provding a payoff statement is through snail mail, which can take up two ( 2 ) weeks to order.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with CORELOGIC INC (NJ).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: CoreLogic XXXX XXXX XXXX a.k.a. XXXX, are providing false inaccurate information about my rental history on my consumer report. 
I provided them with proof from The XXXX County Courthouse of NJ and my current landlord of 8yrs, that i have never been evicted or had any judgements against me. 
However, CoreLogic refuses to remove the negative information, and their representative was refusing to allow me to dispute false information on XX/XX/XXXX2017 at XXXX EST.

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 06-12-2017 about Debt collection (Other debt) with Receivables Performance Management, LLC (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I just reviewed my scores on   XXXX   XXXX   and I was shocked to see all the stuff thy posted as debt. I never received any mails on this but harassing phone calls everyday which I am scared to answer.    XXXX   XXXX  not my account never have them  XXXX   XXXX  which I have  XXXX   XXXX   XXXX  bundle for a long time have all bills from them Hospital bills I have a good insurance and do n't know why additional charge with no letter

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2015 about Debt collection (I do not know) with Critical Resolution Mediation LLC (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: I was given a message on my job that a man called to talk to me named XXXX XXXX and I was given his phone number. I called him and asked him who he was and he said he could not help me until he knew my name. i said XXXX XXXX. He asked what phone number he called. I said I do n't know what phone number you called, I just got a message to call you. Who are you? What kind of business is this. He proceeded to become very rude and belligerent saying he ca n't help me if I ca n't tell him the phone number. I said I told you I do n't know who you called. He said he had no one by that name and again stated he ca n't help me without a phone number and said call me when you get it and hung up on me. His phone number is XXXX and the name of the company is Critical Resolution Mediation.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed
Consumer complaint received 06/23/2015 about Consumer Loan (Installment loan) with Argon Credit (LA).
Issue: Managing the loan or lease

Complaint: All of a sudden they have quit taking calls and e mails and will not offer any assistance.  They have another company doing there billing now but not services.  I am being charged XXXX points over the intrest rate I signed for.  I asked to have my loan refinaced for a lower intrest rate and they can not do it at this time because of money issues????? I call XXXX number and get someone on a cell phone...

Company response to consumer: Closed
Consumer complaint received 04/24/2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (OH).
Issue: Managing the loan or lease

Complaint: I have recently moved to XXXX from XXXX and was trying to get an XXXX plate for my car. The tag office in XXXX XXXX, XXXX sent a request to my finance company, Santander Consumer USA on XXXX/XXXX/XX/XX/2015 and I was issued a temporary tag. I went back when my temp tag expired and they still had not received an answer so they sent another request and I was issued another temp tag on XXXX/XXXX/XX/XX/2015 On XXXX XXXX, XX/XX/2015 I went back to the tag office and they made a call to my finance company and was told that they had received the requests, but they were sent to the wrong department so they just filed them. The local tag office was given the phone number for the correct department and they called that number and were told that they would request a copy of my etitle as soon as they received the request for it. The local office once again sent the request to the now correct department and we checked to make sure it was received. It was and we were told it takes XXXX weeks for that to arrive. XXXX at the local office spoke to XXXX in the title department of Santander Consumer at XXXX. I have since spoken to him as well to ask if there is anyway to put a rush on this as we have been trying since the XXXX part of XXXX to get it and was told no, they are sorry. I was told that the original request should have been forwarded onto them and they were very sorry it was n't. I ca n't get a XXXX temp tag and have to wait for this to come through to get my metal tag. In the meantime, my car is sitting in my driveway with no tag on it at all and I am unable to go to work, doctor, store or anywhere.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Adler Wallach & Associates, Inc. (VA).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: AWA has put a collection notice with the credit bureau due to a XXXX collection with XXXX who I have not used in years. I never received a letter, got a call, or any other correspondence regarding this debt that I know nothing of.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-07-2017 about Credit card or prepaid card (Store credit card) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: I am writing to report possible illegal and deceptive practices related to my Capital One XXXX XXXX XXXX store card. I attempted to use my XXXX XXXX XXXX store card online on XXXX XXXX, XXXX. I received an error message, and contacted the number on the back of my card to make sure my account was in good standing. I was told by the representative the account was in good standing, and I had a credit to the account. I asked the representative if my account number was the same number on the card, and he replied yes. After almost two hours of difficulty placing this order, I called the card company again. I was told by another representative that my card was invalid, and that they had sent me a replacement card, that was returned due to an invalid address approximately two years ago. 

The representative was unable to offer an explanation as to why I was able to use an invalid card for two years both online an in-store without issue or notification from the card company. He was also unable to offer an explanation as to why the card stopped working on this date. I have spoken with the card company- Capital One on numerous occasions regarding this account, most recently on XXXX XXXX, XXXX, and was never notified that there was an issue. I was informed I would have to wait 4 to 6 business days to receive a new card, and I would not be able to complete my purchase that day. 

I then spoke with the representatives supervisor, XXXX, who was also unable to offer an explanation. XXXX informed me that, if I could provide him with my account number, he could give me the number for my new card to complete the purchase. I then gave XXXX my card number, which the representative I spoke with approximately two hours prior confirmed was my account number. XXXX then informed me that this was in invalid account number, and unless I was able to provide him with my account number from my statement, which I did not have, he could not give me my new card number. He advised me to get a copy of my statement online, but then informed me that I could not sign up for access to my online statements without a valid account number, so he could not assist me any further. 

After speaking with XXXX, I attempted to create an online account using my card number as my account number and was able to do so- indicating that my card number is, as the first representative confirmed, a valid account number. 

My account is in good standing and the company is preventing me from accessing it, citing inaccurate and conflicting information from multiple representatives. This also presents a potentially serious security issue- if my card has been invalid for two years, why was I able to use it? If my account number is invalid- why was I able to use it to create an online account? This is negligence. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I have worked extremely hard to improve my credit ; however, it appears as though my efforts are in vain. Everyone hits a rough patch in life and I 've definitely had my share but I worked tirelessly to repair my credit. I made tough sacrifices but it seems as though I can not get ahead. My co-worker filed bankruptcy a few years ago and has a better credit score than me. I could have done the same but eventually someone stills pay for that " free get out of jail '' card. She just refinanced on her existing home with a lower interest rate because of her great credit score. In the XXXX XXXX of last year my credit score was over XXXX with many outstanding debt. I began to pay them down and focus on home ownership. Since I 've paid down most and been current on my debt I ca n't get my score over XXXX. A loan officer pulled my credit a couple days ago and here 's what it had to say : Serious delinquencies and public record or collection filed, too many inquiries last 12 months, Time since delinquency is too recent or unknown. Now to the credit of the bureaus I do have XXXX liens in which one was released. However, it 's the same information that 's been on my report for several years. The one that 's released has not been removed from my credit reports. To add insult to the injury I tried calling the bureaus. Have you tried lately??? It 's a joke!!! Credit Bureaus and Credit Reporting Agencies rank in what the top XXXX % of complaints yet they go unmonitored and unaccountable for information they report. My goal in life is to lend, not borrow and owe no man nothing! I hope the person reading my email do n't take offense. I 'm frustrated and disappointed that I 'm penalized because I tried to do the right thing by paying my debts. If I filed bankruptcy I would be in a better position. My co-worker is just one of many stories I 've heard. The message of it 's better to bankrupt than to pay up is being heard across America. Will someone take a stand and make these agencies be more accountable for the information they report and more accessible to the pubic?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2016 about Debt collection (Auto) with CAVALRY INVESTMENTS, LLC (WA).
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint: Cavarly Portfolio Services sued me whereI did not live or sign for the debt after they bought it from a bad debt list the original creditor wrote the debt off and the first collection agency XXXX wrote it off in bankruptcy. I became aware of this when I served both the default judgement and the notice of hearing at the same time in XX/XX/XXXX. I made my last payment on the car in XX/XX/XXXX. I did n't know I could sue at this time and so I did nothing. Since they have had the default judgment they have violated my FDCPA an additional three times. They seized all of my mothers social security funds from her bank account around {$900.00} in order to get it back she had to pay around {$150.00} to get an attorney to fix it. Cavarly claimed because my name was listed as payable upon death that they thought the account was mine even though the XXXX XXXX XXXX advised them otherwise. Then later on I had a account at XXXX XXXX XXXX one day it was just negative {$50.00} because they had seized all of my direct deposit paycheck from the day before and the bank charged me for the transaction. Still unaware of my options without talking to an attorney I believed it was over with in XX/XX/XXXX when the scarlet letter I wore on my public records for my credit report listed with case number XXXX default civil judgement for {$7000.00} fell off my report. No they were not done I sent them a letter regarding my rights under FDCPA and that they had violated several times. The statue of limitations had come and gone XXXX times. I advised them not to contact me or I would be sueing them for all of the violations. I received a generic letter from a new attorney in XX/XX/XXXX letting me know that they were taking over the collection of my debt from Cavarly. I am in the process of selling my home and the title is clouded something I was never served papers on even though all of the legal filings thus far had been in XXXX County where I had resided once temporarily for six months. I lived in XXXX County for two years when they say I was sewer served about lawsuit in XXXX County. However they filed the lein on my home in XXXX County of course not even that could be done without adding and inflating the amount of the judgement by {$7500.00} in interest they are claiming on a {$7000.00} debt that they were never intitled to collect on in the first place.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/25/2015 about Debt collection (I do not know) with Admin Recovery, LLC (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: A XXXX XXXX called and left a message stating that he was with my bank and that there was a payment that was rejected which reached breach of contract of which he never said what the amount was or what the contract was about. He then attempted to call my place of business several times in which I told my operator that it is illegal for creditor, whether I owe or not, to contact me at my place of business. I then received a text from a friend stating that someone called and left her a message which it was the same XXXX XXXX but told her something completely different and that i put her as a reference on an application and that he needed to get a hold of me.

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Justice Finance Company (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XX/XX/XXXX around XXXX XXXX. I contacted Justice Finance to inquired about an account that was unknown to me reporting on my XXXX credit report. The lady explained to me that the account was charged off and in order to clear the account I would need to pay XXXX. I told her that I am not admitting that I own this foreign account and that I am not certain that I am liable for this account. I then asked her how can they place something on my report as being charged off for XXXX, but then verbally tell me that it is XXXX owed because fees are still accruing on the account even though its charged off. After she began yelling at me about the account I asked to speak to the manager or owner. She tells me that she is the assistant manager. I then asked her for the number to their corporate store which she gave me and told me I would have to call them tomorrow. On XX/XX/XXXX around XXXX XXXX. who told me that she did n't know how to get around in the system to find the account and that she would call and let the owner in the store know about the rudeness of the lady. All of a sudden on XX/XX/XXXX I receive a credit inquiry alert saying that Justice finance did a credit inquiry for an application or loan. I then spoke to XXXX on XX/XX/XXXX and he was unaware of the incident and refused to remove the inquiry. I explained to him the reason the inquiry is on my report is because his supposedly asst. manager got mad because I asked her how can there be two different amounts for a charged off account and retaliated by placing an inquiry on my report. I explained to him it is no way possible I came into their store and did any type of application giving them permission to pull my credit. I spoke to XXXX and they refused to dispute it and told me I needed to contact the creditor to get it off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: On XX/XX/XXXX I called Experian for two reasons. I asked them what happened to my XXXX card that was reporting and why has n't my authorized user account from my sister XXXX XXXX not reporting yet. 

They stated they did n't see a XXXX on my report and that there was never a XXXX card reporting. I explained that that was not true and that i have had the card sine XX/XX/XXXX. They stated it was never on there and that they did n't know what to tell me. They explained they can have someone look but they did n't know. When I asked about the XXXX XXXX they said they removed it from my account because there was a late payment from XX/XX/XXXX. I asked them why would they remove that because it was positive on my report and they said they had the " right '' mot because I was n't responsible for the debt. I explained that I needed that to report on my credit and they said they did n't know what to tell me again. 

I asked where does it state if there is a let payment you wo n't report. The supervisor ( XXXX out of XXXX TX ) stated he 's not her to prove anything to me. They took it off and thats that. He then stated he was n't explaining himself to me any longer and that it wo n't report until XX/XX/XXXX. I asked him who gives them the right to say what can not go on my report if I authorized it and he stated he has it. When I asked to be transferred to a different supervisor he stated he can take my name and number and have someone call me. To this date no one has called. 

He then to me to call XXXX because he had no other suggestions to tell 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 03/26/2015 about Debt collection (Medical) with Merchants and Medical Credit Corporation, Inc. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My son went to the XXXX when he was XXXX and out of XXXX. He was covered under my insurance plan so he gave the hospital my insurance information. There is a balance due of around {$1000.00}. A collection agency keeps calling me saying the debt is mine. I have repeatedly explained to them that he was XXXX and not a student when he incurred the debt therefor the debt is his. also gave them his phone number to contact him directly. They still call me daily telling me it is my debt and I am responsible for it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-07-2015 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Car loan with XXXX XXXX XXXX is reporting monthly late remarks after being approved for a loan approve extension. Account should not be reporting as late on credit reports. Also late fees are still showing, and were to be added to the loan extenstion. And I am continuously robocalled numerous times a day about making a payment when my account is current.

Company response to consumer: Closed with explanation