milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/26/2017 about Debt collection (Medical debt) with Global Payments Check Services, Inc. (VA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: My husband and I had a dental visit at  XXXX   XXXX  on  XXXX   XXXX ,  2017 and o ur bill was {$230.00}. We wrote a check ( #  XXXX  ) for the amount ; they did automatic debt and the check was cleared. In fact the check was process because it was on my bank statement for  XXXX   XXXX  , 2017. To veri fy all transaction was managed well. I visited my bank and information was confirmed.   I then visited  XXXX   XXXX  with all of my documents and they indicated to me that the check was processed and there is no problem. Yet, the company listed below has been call and sending let ters (  harassing me to pay the bill again. They have even threaten that they will send it a collection agency.   Global Payments Check Services , Inc .    XXXX   XXXX   XXXX   XXXX , Il  XXXX   XXXX   XXXX  was not familiar with this company, when I visited their offices. I am not sure their relationship with  XXXX   XXXX . What I am sure is that the bill has been paid in full. I have said this to  XXXX  Payment ; fax them information and the threats continues. I need help with this situation.    XXXX    XXXX    XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2015 about Credit reporting () with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Arizona XXXX XXXX bill paid, {$44.00} months ago!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/13/2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have been disputing inquiry 's on my credit file with Experian since XXXX 2016. I have contacted ever comapny that had an inquiry on my credit file as instructed by a experian representative. The rep told me the only way they inquirys could be removed was by the company that placed them on there. I contacted each company and none of them showed any record of me by my address, phone number or social security number. They in returned all told me I needed to dispute that with the credit bureaus directly yet the credit bureaus are telling me they do n't and can not remove inquiry 's from ones file. All I continually get from them is the information has been verified and when I ask them how they verified it they send me a letter with general information on there verification process. I have not made any sort of credit request in over 3 years my inquiry 's should be none.

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 06-06-2015 about Student loan (Non-federal student loan) with TRANSWORLD SYSTEMS INC (WV).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: XXXX XXXX XXXX attorney continued to proceed with a collection lawsuit after defendant attorney notified them of bankruptcy filing. 
School : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX , XXXX XXXX ( now closed ) Private student loan owned by XXXX XXXX XXXX in collections. 
Attorneys representing XXXX. XXXX XXXX and XXXX ( XXXX ) & XXXX XXXX ( XXXX XXXX ) XXXX Filed a complaint ( wrong venue ) in XXXX XXXX XXXX Circuit Court XXXX XXXX at a former address I had not lived in in almost three years. Lived in XXXX XXXX 2 years after then reloca ted to XXXX. Alleged Debt was incurred in XXXX County XXXX, not in XXXX County XXXX 
Issues:1. XXXX willfully initiated a collecton lawsuit in a county of non residence of defendant, and in the wrong county where the alleged debt was incurred. XXXX willfully served the defendant at an older address in hopes the defendant would not find out about the lawsuit and obtain a judgement without the defendants knowledge. 
2. Defendant filed for bankruptcy protection days prior to the motions hearing. Both the XXXX County Circuit Court and plaintiff attorney were notified prior to hearings about the bankruptcy filing and all collection activity must stop. 
3. XXXX attorney still went forward after notification to obtain a judgement ruling after being notified. The defendant showed up at the hearing and presented the notice with bbankruptcy attorneys letterhead to the judge presiding over the case on Friday XXXX XXXX XXXX. The Judge ordered a XXXX monthccontinuance upon verification of my bankruptcy case. The plaintiff attorney was given a copy of the letter from my bankruptcy attorney advising of the filing prior to the motions hearing.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2017 about Mortgage (FHA mortgage) with SUNTRUST BANKS, INC. (GA).
Issue: Loan servicing, payments, escrow account

Complaint: I contacted SunTrust Mortgage to advise that they were no longer reporting on my credit report. I was advised that they do not report to the credit bureaus because they did not have a letter of reaffirmation on file and that I would need to reopen my bankruptcy case from XX/XX/XXXX and sign a letter of reaffirmation. I advised and sent SunTrust proof that they report on my credit report until XXXX as shown on my credit report I pulled in XXXX. I also, sent the recent credit report from XXXX to show they stopped reporting, and a copy of my bankruptcy petition showing that they were aware of my bankruptcy and electronically served through the registered agent at the time XXXX to come to the meeting of the creditors.

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 08/22/2017 about Debt collection (Other debt) with ProCollect, Inc (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: They are double charging me for an eviction from 2013. Account : XXXX XXXX & XXXX XXXX They are double charging us for an eviction that we received XXXX 2013. The apartment complex sold the collection to a third party which is Procollect INC. They are in turn trying to double charge us for Insuffcient Notice Penalty charges in the amount of {$1300.00} times two for a total of {$2700.00}. A lease termination fee in the amount of {$190.00} times two for a total of {$380.00}. Along with the other ludicrous charges of resurfacing the tub in the amount of {$170.00} and shampooing the carpet in the amount of XXXX. I say this because there was n't any damage with the tub nor the carpet, both were very clean upon departure and we also did a walk out with the leasing office along with a checklist and nothing was wrong. Both her and I signed off on it! We only stayed in the apartment for a total of 3 months. It clearly states charges for " XXXX ''! As highlighted! Rent was {$680.00} per month. And with all these fraudulent charges we now have a grand total of {$5400.00} owed. This is bogus!

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2018 about Debt collection (Mortgage debt) with Hunter Warfield, Inc. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Re : Disputing Inaccuracies on My Credit Report HUNTER WARFIELD XXXX XXXX XXXX   XXXX XXXX XX/XX/XXXX {$4500.00} {$4500.00} XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Dear Sir or Madam, I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you investigate/re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion This item is ( inaccurate or incomplete ) because I do not owe this debt. I received no letter in the mail and when I called the company after seeing it on my report they said it was an error aND MAILED me a letter stating it was paid. I am requesting that the item be deleted to correct the information. 
Enclosed are copies of the following documents supporting my position : 1.Letter form company saying I owe no debt Please reinvestigate this matter and the disputed items within the time frame required by the Fair Credit Reporting Act ( FCRA ) and inform me in writing of the outcome.Thank you for your time and consideration in this matter. 
Sincerely, XXXX XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2016 about Consumer Loan (Installment loan) with Ballybunion Enterprises, Inc (NC).
Issue: Managing the loan or lease

Complaint: Freedom Furniture and Electronics closed all of it 's stores. I had XXXX line of credit with this company and when I added a computer and refinanced, they reported XXXX separate accounts for me to credit bureaus. They agreed over email and the phone to remove the 60 day late reporting in XXXX and XXXX of 2015 and they have not.

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2016 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I am writing to dispute the disposition of the date closed on XXXX accounts on my Experian Credit Report. These accounts were with XXXX XXXX XXXX XXXX, and show the date " negative '' as of XXXX, but they were closed on XXXX/XXXX/13. XXXX XXXX closed and wrote off all of my counts even previous to my filing for bankruptcy and at the time of bankruptcy notified me of such, as well as notified me that my membership was terminated. It is impossible by virtue of this fact, that the accounts are shown with a " negative '' over 1.5 years later. Experian has claimed these items to be " verified '', but they are inaccurate.

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 08/22/2017 about Checking or savings account (Checking account) with U.S. BANCORP (CA).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: US Bank uses a very deceptive way of determining when overdraft fees will be charged or not. The app and website will indicate that your balance is a positive value because certain charges have n't posted or cleared fully. The bank will allow you to continue using your card, even if you have the overdraft protection feature in place to prevent this from happening. Then, out of the blue your account will have a negative balance. US Bank 's policy is that if your account is negative, you have until XXXX that evening to replenish the account back to a positive value to avoid the overdraft fee. However if the account became negative on a date in the past, and it is n't reflected on your account balance until 4 days later, that does n't actually allow you to replenish your account back to above XXXX, because it will use the date the account was charged, rather than the date the account appeared negative on your account website. This is a very deceptive because you will think your account has a positive balance, then out of the blue one day it will be negative, so when you try to replenish it or make a transfer from another account within the business day, it wo n't count because it actually went negative days before without you knowing. This problematic strategy also comes unfairly into play for checks clearing. Per US Bank policy, you have until XXXX of that night to replenish a negative balance to avoid an overdraft. That means if a check is cashed from your account at XXXX XXXX, you have five minutes to issue a transfer or replenish your account to avoid the overdraft fee. If the check is cashed at XXXX XXXX, you have the entire day to accomplish the same task. How am I to know that US bank does n't even post check until late in the evening to purposefully incur charges that its customers wouldnt see if they were asleep, for instance because the account was brought below XXXX late in the night but right before XXXX. Extremely unfair

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 01/19/2018 about Debt collection (Medical debt) with AmeriCollect (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Medical Debt Validation dispute letter was sent certified and receipt by credit agency on XX/XX/XXXX. My request was disputing that the debt did n't belong to me. I requested that the agency ( 1 ) provide breakdown of fees including any collection costs and medical charges. ( 2 ) Provide a copy of my signature with the provider of service to release my medical information to you and ( 3 ) Cease any credit bureau reporting until the debt has been validated by me. 

Received a letter from the collection agency dated XX/XX/XXXX that only provided the original creditor in addition to the provider information. It was then the agency provided me detail information for someone else ( XXXX XXXX ), who 's patient account is n't mine which is a direct violation of HIPAA and FDCPA. 

I called the agency at XXXX and spoke with XXXX on XX/XX/XXXX to get more information as to why the agency was reporting a debt that does n't belong to me. She advised me that the agency would have to reach out to the original creditor to get more information. I then demanded that the agency cease all collection attempts and to remove the debt from my credit report as she did verify that the debt does n't belong to me as it belongs to another person or I will purse CFPB complaints and file a HIPAA violation complaint. She advised me that she is only in the collection department and does n't have the authority to remove the account, after speaking with her supervisor and being placed on hold several times.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2015 about Debt collection (Medical) with HCFS Health Care Financial Services, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: No heath care bill is owed to anyone, this is false and no verification was ever provided

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Since 2012, I have disputed XXXX Creditors on my Credit File ( all XXXX Credit Bureaus ). Also, I have disputed directly with the Creditors reporting incorrect reporting as not being mine. Whenever I call the Creditors directly, the file in question does not match with my SSN. I have tried everything possible within the rule of laws without any resolution. Please help and advise. Thanks!

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 06-08-2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (AL).
Issue: Application, originator, mortgage broker

Complaint: We are disputing a late payment that was sent on time for XX/XX/XXXX and is on my credit report as a late payment. A payment was sent for {$1500.00} come to find out they never notified us that they went up on the payment and we never received nothing in writing or phone call letting us know that we were short on our payment. Ocwen Loan Servicing received the payment and held the payment in a suspended account and did n't contact us regarding the payment was short. They did n't post the payment until 30 day later when they received XX/XX/XXXX payment. In XX/XX/XXXX we where notified that the payment was short and we sent and addition amount to bring the account up to the right amount, why this was not done in XX/XX/XXXX to avoid a late payment no answer from Ocwen Loan Servicing. We contacted the office and spoke to someone regarding this matter first, we where told that it was not on our part and they would correct this error, now they are saying that the late payment will remain. We are in the process of trying to close on another home that we have purchase and this is showing up on my Credit report as being 30 days late which is not true because I sent the payment and they held the money in a suspended account without notifying me it was short or the amount was increase. My VA loan was denied because of this. I submitting a letter to Ocwen Loan Servicing regarding this matter and they refused to remove the late payment.

Company response to consumer: Closed
Consumer complaint received 11/14/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: State of GA placed a tax lien of for {$650.00} with a filing date of XXXX XXXX, XXXX stemming back to XXXX tax year Lien shows as paid in XXXX XXXX, XXXX I made several payments before and after this, my payments were applied to the wrong year Reference # XXXX was listed on 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 12-06-2017 about Debt collection (I do not know) with SCA Collections, Inc. (SC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Good Afternoon, During the process of reviewing my credit report. I noticed the XXXX SCA Collections. It states that the file was opened on XX/XX/XXXX in the amount of {$65.00}. I contacted this company via certified letter asking for validation of this debt because the debt did not belong to me. I did not receive a response. I then contacted XXXX & XXXX credit bureaus via certified letter requesting the debt be validated or deleted and they sent correspondence stating the debt was validated but did not include any proof. I sent a second round of letters attempting to handle this matter. SCA COllections then sent an updated collections reports to the credit bureaus mentioned above on XX/XX/XXXX. SCA Collections license has been forfeited in the state of State of South Carolina & they are not authorized or licensed to collect on any debt, especially debt that does not belong to me. I have exhausted all options in attempting to getting this debt removed off 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 09/29/2015 about Credit card () with U.S. BANCORP (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I filed complaint ( XXXX and XXXX ), I received response from XXXX XXXX XXXX, Office of the president, Card services, XXXX XXXX is not capable and understand the case neither the knowledge about what is steampod is, XXXX XXXX is hair straightener that it comes with water tank with base and comb with straightener itself they ARE NOT ACCESSORIES that you mentioned I did purchased it fromXXXX, they should came with unit and further more when logged in to XXXX is not included in their product lists, when I purchased it I XXXX the Steampod andfound few, the cheapest was from XXXX and in the description DID NOT INDICATEDTHAT IS USES XXXX PLUG neither the THE XXXX knew it going to U.S.A and warningU.S A 's buyer that is uses different power source ( XXXX volt ) and not shipped the unitwith missing parts and further more THE XXXX knew the XXXX rules that we will be stockwith unit and can not ship it back due to cost that IS FRUAD the intention to deceiveand causing financial injury is FRAUD, your department has to protect their client from such as this predators, US Bank must make sure that The XXXXresponsible for gettingdefective unit back and provide the shipping cost for their unit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2017 about Debt collection (Credit card) with Perfection Collection (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This company is misrepresenting the time this debt first defaulted and become collectable in an effort to continue collection efforts on a debt that is no longer collectable. After months of phones calls and repeated efforts to get any information about this debt, the company finally cooperated on XX/XX/XXXX and revealed a true date of XX/XX/XXXX, but have a different date listed on my credit report. This company is breaking the law by falsifying the debt date on my credit report. This company knew the debt was no longer collectable so they refused to give me any information about the debt. They purchased the debt from another company, but also would not give me the name of the company, making it impossible for me to track the debt 's origin.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 12-08-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (WA).
Issue: Loan servicing, payments, escrow account

Complaint: OCWEN Loan Servicing took over my mortgage and the interest rate on XXXX house is 10 % and interest on the other house is 7.9 % I asked, called and wrote a letter asking them to lower interest rate. They will not do it. I do not qualify for a loan re-financing because I am unemployed and poverty level. I do have school loans which are also considered for the rejection of the re-financing.

Company response to consumer: Closed with explanation