milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-08-2017 about Debt collection (I do not know) with TENET HEALTHCARE CORPORATION (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: ATTENTION DISPUTE DEPARTMENT Syndicated Office Systems Address :  XXXX   XXXX   XXXX   XXXX ,  XXXX , FL  XXXX  Phone : (  XXXX  )  XXXX  IN RESPONSE :  XXXX  Your company have violated F  CRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.      A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.    The reference items are listed below please take this matter very serious  XXXX   XXXX  AND  XXXX  AND ANY OTHER ACCOUNT ASSOCIATED WITH THIS I have report your company to  consumerfinance.gov  As a form of record and I am prepare to sue your company  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX  Litigation, Case No.  XXXX , in the  XXXX   XXXX   XXXX  for the  XXXX   XXXX   XXXX  California Syndicated Office Systems Stop collection proceedings against me Signatures on applications and accounts Investigators report  XXXX ,  XXXX   XXXX  SEC #  XXXX  DOB  XXXX / XXXX /  XXXX   ADDRESS  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX , FL  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2017 about Debt collection (I do not know) with Alliance Data Card Services (SC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The company calls repeatedly day after day and threatens legal action if caller does n't call back by certain time. I share the same last name as the person they 're trying to contact but the first name is different. They use threatening tones and stress the importance of calling them back or they say will be progressing it further.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with LEXISNEXIS (IL).
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: I disputed two California tax liens on my credit report that do not belong to me but the credit bureau verified the info as correct despite the tax liens not containing my full social security number or date of birth as now required.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2016 about Consumer Loan (Installment loan) with COMMUNITY CHOICE FINANCIAL, INC. (AL).
Issue: Problems when you are unable to pay

Complaint: Constant phone calls on my job. I have verbally ask them not to and my boss has complained about it to me. Effecting my work status. -- -Cash Central. Calls have also been made to friends.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Due to the fact that my problem does n't have a best way to describe my issue above I have to explain myself. I have a student loan that is in forbearance with XXXX XXXX. I spoke with my Personal financial Consultant on this matter XXXX XXXX XXXX ask me to get a letter from XXXX XXXX with my student loans showing they are in forbearance. I like to address the issue of TransUnion dropping my credit score while my student loans are in forbearance. Without addressing to me why they dropped my credit score. On a student loan you can have decrease in the amount owed but my scores should have moved up not down. Also, a credit decrease happen on the limit amount but this is a student loan that does n't have a limit amount. Because I was not given a limit on the student loan it is what I borrowed. I would like to provide you the information that my loans are in forbearance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2015 about Consumer Loan (Title loan) with TMX Finance LLC (FL).
Issue: Charged fees or interest I didn't expect

Complaint: Hi, I am a XXXX dependent that received a title loan from Title Max. I received about {$3200.00} and I 've already paid them XXXX payments of {$400.00} and after I calculated the total number of payments I would have to pay them over {$9000.00}. If you are a day late they start charging $ XXXX and your car is up for repossession plus you can no longer make payments over the phone. You have to go into the office which is XXXX minutes away from me. I am really considering giving them the car because I refuse to pay XXXX the amount for this car. Is there any loophole being that I am a military dependent?

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BBVA COMPASS FINANCIAL CORPORATION (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: After sending several emails and leaving even more voicemail ( s ), I have yet to get the hard inquiries from Compass Bank removed from my credit report. I have a total of ( 5 ) There 's no way I filled out the same application 5 times. This is not me, I 'm not sure if my credit is ran by default to check updates on my report, I 'm not sure but I would n't apply for Compass Bank, I 've been with XXXX XXXX XXXX for almost 2years, this cant be right. 

XXXX XXXX XX/XX/XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2017 about Debt collection (Medical debt) with SCA Collections, Inc. (NC).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Insurance co was supposed to pay this medical debt in amt of {$660.00} and {$73.00}. I told them that insurance was supposed to cover this debt, they kept telling me they will just add it to my credit report and it will ruin it if I do n't pay them in full.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Franklin Collection Service, Inc. (TN).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: Franklin Collection Services will not validate a debt that is reporting on my credit report. I have no knowledge of this alleged account or service that is reporting on my credit reports. I have reached out to them for total validation of the debt and they will not provide me with any documentation that would require me to pay them for any service. I asked them to provide me with proof that I have any legal obligation to pay them and they have not. The debt is very old and past the statue of limitaitions to collect and it needs to be removed off my credit file. Reporting a debt to the credit reporting agencies that can not be validated is a violation of the FCRA ( Fair Credit Reporting Act ).

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2016 about Payday loan () with 2288984 Ontario Inc. (MD).
Issue: Charged fees or interest I didn't expect

Complaint: Thus far I have paid XXXX in fees and XXXX in interest with a payoff of over XXXX dollars. I borrowed a total of XXXX on a XXXX loan. only XXXX % of my payments are going towards my payoff-the remaining monies are being applied to Fees and interest. WIth what I have already paid, plus the XXXX ( payoff balance ), my total payoff will be approximately XXXX. However, If I do not pay the payoff and just keep making the bi-weekly payments, It will take me at least two years ( and several thousands of dollars ) to be anywhere close to paying this off. After looking over my statements and seeing how there was no dent being made in my balance, I started doing some research and found out that many of these companies are not licensed to provide loans in some states. After calling the DLLR for the state of Maryland today, i was told that Moneykey is one of those said companies that should not be providing loans in this state. I was advised to file a complaint and close my bank account. 

XXXX fees interest XXXX XXXX XXXX XXXX fees interest XXXX XXXX XXXX XXXX fees interest XXXX XXXX XXXX XXXX fees interest XXXX XXXX XXXX XXXX fees interest XXXX XXXX XXXX XXXX in fees YTD and XXXX in interest

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (KY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: my wife made a payment to midland co. in agreement to settle a debt, for a one time lump sum payment of approximately half the total amount of said amount by debt collector. Midland Co. they agreed to settle the debt for {$600.00} dollars, as a one time lump sum payment! My wife paid the agreed amount, then Midland did not Honor their agreement! They lied and continue to harass us daily!!!! Thank you for your time & consideration. RESPECTFULLY SUBMITTED XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/26/2016 about Debt collection (Medical) with Alliance Group & Associates LLC (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I was contacted XXXX/XXXX/2016 from Alliance Group & Associates from XXXX XXXX XXXX XXXX in regards to medical bills that had gone to collections from services in XXXX. The first associate I spoke with told me that if I did not pay, then my wages would be garnished. The second associate I spoke with told me that a letter of verification of debt would be sent to the address on file, per my verbal request. On XXXX/XXXX/2016, I called to follow up as I had never received my verification letter. I was told that I had already received the required legal documents previously ( in a 10 year span ) and that a note had already been placed on my account stating I refused to pay. The associate then began to make inappropriate comments in regards to my ability to pay as well as my lack of interest in paying. I requested to be transferred to a manager, who refused to provide me with a mailing address and also denied being a debt collection agency, stating that they were retained by their client, XXXX XXXX XXXX, to attempt to make payment arrangements. She also refused to provide me with the contact information for XXXX XXXX XXXX, continuing to evade and redirect my questions. I found the contact number for XXXX XXXX XXXX ( XXXX ) XXXX, where the gentleman did not state his name or company name, but very clearly let me know that he could not provide me with any information, that I would have to contact Alliance Group & Associates. This supposed debt has never been reported to any of the major credit bureaus, and subsequently has never shown up on my credit report.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed
Consumer complaint received 08/26/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I had submitted a complaint regarding my mortgage with my lender Wells Fargo/America servicing company. Hard times had fallen on me m husband died and then my daughter had an terrible accident. I had fallen behind in my house payments by {$5000.00}, and wanted them to work with me, but they would n't, I complaint to you and then Wells Fargo called me. They said they would be sending me a letter with items they needed to modified. What I received it the mail we a letter stating my property value had gone up according to their drive by appraisal and the com parables in my area.I thought they have n't seen the inside there are damages and deferred maintenance and even structural damage due to the water leaks under the house.I called Wells Fargo the home preservation specialist that sent that appraisal she never respond to my many of messages. finally I spoke with someone in that department I was then told my file was transferred to a new home preservation they did n't know who it would be but that the new specialist would be contacting me. I have never received a phone call from the new specialist, when I call I speak with an operator. Time has past because of this and I currently own Wells Fargo {$20000.00}. which I have {$17000.00} of it. I do have a sale date scheduled for XXXX XXXX. Ido not want a foreclosure i would love to save my home and live here and repair it, but if that is not possible I rather Short sale rather then foreclosure. Because I have not been able to get a response from Wells Fargo I did sign with a realtor to do a shortsale but they are not working with her either.Please help please.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2017 about Vehicle loan or lease (Loan) with GENERAL MOTORS FINANCIAL COMPANY, INC. (FL).
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint: I started my financial relationship with GM Financial when they were still XXXX, in 2008. I had my share of issues with the integrity of the company, but what I am most frustrated with is they are holding my title hostage. I have been paid in full for YEARS, and yet they are still unwilling to release my title. I have spent hours on the phone with their reps and I get nowhere. It is disgusting how they have made me believe on numerous occasions that my title would be on its way to me, only to find out it was never mailed out. I feel like my hands are tied which is grossly unfair - if I were to be late with my monthly payments I would incur late fees until they would eventually repossess my car. Why are n't I, the consumer, protected in the same way? I will never do business with the terrible company again.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with TCF NATIONAL BANK (IL).
Issue: Application, originator, mortgage broker

Complaint: I am extremely and utterly furious in the way TCF Bank has been handling my case! I was trying to work out a plan in order to help me get back on track with my missed payments and they stated they would n't review my file unless it was 37 days prior to the sale date. My sale date was for XXXX XXXX, 2016, and I filed for Bankruptcy Chapter XXXX on XXXX XXXX, 2016 at XXXX XXXX. I submitted the documents to TCF Bank Bankruptcy department and confirmed the sale date was postponed. I then get contacted by a real estate agent that has an offer from a buyer willing to pay cash and he explained the short-sale process and the benefits of it. I was then told on XXXX XXXX, 2016 that I had a new sale date for XXXX XXXX, 2016! At that point I have no other options, but to let my house sell. XXXX XXXX from TCF Bank stated there 's no loss mitigation process that can get started because its less than 37 days that is required. THAT IS SO INFURIATING, because I just found out about this offer and now I cant even get that review because they put up another sale date right after I had filed for Bankruptcy! This is a perfect example of how unjust and lack of faith there is in our banking system. This is the vicious style TCF Bank enjoys to perform in order to keep my home and still make more money at the end. It 's banks like these the reason this country is considered greedy and malice! I had tremendous faith in our banking system and in TCF Bank. I thought these government programs were created to help distressed homeowners, but TCF Bank is only interest in how much more money they can get out of my property!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2016 about Mortgage (Home equity loan or line of credit) with U.S. BANCORP (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have been trying to modify my Heloc loan with US Bank for 2 1/2 years. I sent a hardship letter XX/XX/2014, stating I had lost my job, and was living on S.S. Also, my daughter had stopped paying on her 1/2 of the loan. Subsequently I have submitted a minimum of XXXX applications for relief. I have sent to the bank all of their documents, albeit sometimes it took a while to gather the info. Many times, the bank claimed they did n't receive the docs, and when they would finally get back to me, the docs had expired. US Bank forced me into bankruptcy XX/XX/XXXX because they threatened to sell my home on the courthouse steps. I am still unable to make the payments because of my income status which is the reason I started this in the first place. At the first application I owed $ XXXX, now thanks to their delaying tactics, I owe over $ XXXX. They have given me lip service that they dont want me to lose my home, but yet delay, delay, delay! I think US Bank is unethical, and crooked. I even sent a registered, certified letter to the CEO XX/XX/XXXX, and not the slightest response. I am XXXX years old, have lived in my home for 46 years, and at this stage do n't want to be thrown out on the street. There is nowhere I can live where I can have what I have for what I pay. At my latest complaint I filed with US Bank, I stated I could pay {$400.00} per month, even though this is still a hardship. Can you help?

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 06/26/2015 about Debt collection (I do not know) with Amsher Collection Services, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I 've been trying to submit complaint about some accounts are my credit report. For some reason it 's like the credit bureaus are not taking my disputes serious at this point. I 've spoken to a consumer right 's attorney and he 's telling me i have a case against the credit bureaus. I 've decided to submit complaints before taking that step. 

The following accounts are incorrect XXXX XXXX # XXXX This account is inaccurate. Please verify this account to make sure that EVERYTHING is reporting correctly. 

Office Of The XXXX XXXX # XXXX This account is reporting inaccurate. The balance is incorrect. If you do VERIFY this account please provide me with the steps you used to verify it. Who did you speak with, time and date or Please remove this account. 

XXXX # XXXX I have NEVER been late. Clearly this company has made a mistake. Please remove. 

XXXX Credit Card Clearly this company has made a mistake. I never asked to be an authorized user on this account. 

I know that mistakes happen but it should not happen at my credit 's expense.

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Experian continues to report fraudulent information on my credit report. Because of this, I was denied from renting an apartment due to the fraudulent information reported by Experian. This has created a hardship for me and my family. The other credit bureaus deleted the fraudulent information but Experian came back verified, how is this possible, when I sent each bureau the same information.     I sent to Experian a copy of my police report and Identity theft report on  XX/XX/2016    and also around  XX/XX/2016.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2017 about Payday loan, title loan, or personal loan (Payday loan) with Genesis Financial & Payment Systems Holdings, LLC (MO).
Issue: Charged fees or interest you didn't expect

Complaint: I WAS DESPERATE AND GOT A ONLINE LOAN ON XXXX/XXXX/XXXX FOR {$250.00}. I PAY {$46.00} EVERY XXXX WEEKS. I WENT TO PAY OFF THE LOAN TODAY AND THEY STATE I STILL OWE ALMOST {$300.00} TO PAYOFF TODAY. AND MORE IF I DONT?!?!?! THEY ARE CHARGING ME {$12.00} FEE PLUS ALMOST {$900.00} IN INTREST! I WAS NOT TOLD THAT BY THE LADY WHO WENT OVER THE LOAN WITH ME. I MADE SURE TO ASK THAT I COULD PAY EXTRA ON PRINCIPAL AND WAS INFORMED I WOULD BE PAYING TOWARDS PRINCIPAL EACH PAYMENT, HOWEVER THAT WAS A BOLD FACED LIED. I FEEL THERE SHOULD BE A LAW AGAINST THIS. XXXX ABOUT TO GO ON UNPAID MATERNITY LEAVE AND CAN NOT PAY THIS LOAN WITH THAT KIND OF FEES

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation