milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Creditors' Service Bureau of Niles, Inc (IL).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: My credit got XXXX.cuz of a XXXX XXXX XXXX XXXX XXXX made mi company collecting on a disputed nonowned debt .i would like my credit restored by the nonlicensed debt collector tryn to XXXX me up with life thru XXXX credit controlled '' units 0ver.25centts.points im idtheft victim already struggling my score wass at XXXX this XXXX freal by a XXXX michigan hospital white ran with wanton full intent too cause me harm for reporting the XXXX for n too the state n federal government.please stop reporting calln hassling threatening this is result of idthegt i contacted several times the hospital n still recently had XXXX XXXX out of me at XXXX XXXX XXXX XXXX XXXX on XXXX # XXXX # 2017 XXXX XXXX XXXX XXXX for 'denial of excercising my constitutional right to leave the facility XXXX over hr n half XXXX XXXX XXXX  security guards threatening nurses n XXXX XXXX XXXX.n XXXX so i know how XXXX retaliatory hospital unregistered n illinous can be XXXX n battery by violent injection this is similar billing XXXX harm to cause monetary harm to XXXX but noncompliying debt collecting nonbond authority with federal gov when colecting is serious offense tho

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MT).
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: My complaint is with Equifax. I was the victim of fraud. I have a number of collections listed on my report from over 7 years ago that do not belong to me. I filed a police report and submitted it to Equifax but they are still refusing to remove the fraudulent items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Debt collection (Medical) with Merchants and Professional Bureau, Inc. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: In XX/XX/2016, I called and spoke to XXXX and then to XXXX at Merchant Professional Bureau regarding my complaint of their agencies reporting tactics. More importantly, the incorrect information that has been on record from the original medical provider. 
First off, there was the issue of duplicate bad debt reporting from MPB for same date of service, same amount, etc. This was acknowledged and then recognized by XXXX and removed as promised. However, it still left the one debt and I raised issue with the fact that I felt certain the provider was 'punishing ' me for refusal to pay their charges. This is unethical. 
On the date of service, I went in to the XXXX clinic after I had set the appointment and insured that when I set the appointment, I did not want to pay for unnecessary XXXX or XXXX testing or diagnostic procedures since I already knew my condition and what I was suffering with. I simply needed meds to alleviate the discomfort of severe XXXX and XXXX. I have been tested many times over the years. 
Once there, I was given an XXXX and again stated to them that " I did not want anything done that the insurance would not pay at 100 %. Well, I got a bill two months later stating that I owed {$340.00} for services rendered. 
On XX/XX/2016, I sent a formal dispute to MPB and to the attention of XXXX. I have since not heard anything form them but that this debt was removed from XXXX of the XXXX bureaus. I need for the collection agency to remove this entirely and in good faith instead of digging in and appeasing the service provider for unethical business practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2016 about Mortgage (VA mortgage) with WELLS FARGO & COMPANY (VA).
Issue: Loan modification,collection,foreclosure

Complaint: 1. I lost my job for over a year. 
2. I contacted my mortgage company ( Wells Fargo ) for assistance in case I ran out of money to pay. ( Although I still could from savings. ) 3. They told me to stop paying and sign a forbearance agreement. ( I did as instructed. ) 4. I got another job and brought my account 100 % up to date. 
5. They penalized me and reported me to the credit bureau for non-payment, even though I made all the payments they requested and on time per the forbearance agreement.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Chase Bank has been making me to make my mortgage payment in CASH ... on loan number XXXX. I was told that I had to pay in CASH because I was XXXX, and had a previous check ( NSF ), which I tried to explain to them that my vehicle been broken into, and my check book was stolen, and that I had to close the checking account due to attempted fraud on the checking account. No where in my loan documents does it state at ANY time or regardless for ANY reason do I have to make my mortgage payment in CASH only!!!

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (HI).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have a Navient private student loan that was co-signed by my paternal grandfather aunt in XX/XX/XXXX for {$16000.00}. I have been paying an interest rate at 8.625 % since XX/XX/XXXX. The interest type is variable. I completed graduate school to become a XXXX in XX/XX/XXXX. Prior to completing school, I was required to pay monthly interest payments of {$110.00}. Upon graduating XXXX school, I had to pay interest + my monthly payment. I could not do so. Since XX/XX/XXXX, I have secured employment, but was unable to pay the full amount. I explained this to Navient on multiple occasions. I inquired about consolidation and income-drive repayment plan due to only making {$42000.00} a year. They said those were not options for my loan. I stated my federal loans were consolidated. Again, Navient stated the loan I have does not allow me to consolidate or complete an income-driven repayment plan. Navient has caused tremendous amount of XXXX on myself and my family. I have no financial help to keep up with payments, nor is the loan decreasing. My current amount in XXXX/XXXX/XXXX due is {$17000.00}. Both my grandfather and aunt of passed since XX/XX/XXXX. I was not there when my grandfather took out this loan. My grandfather, XXXX was from XXXX XXXX. He did n't read XXXX and XXXX was his first language. I honestly feel like he was directed into signing something he did not understand. He wanted me to finish college and I could not do so without a loan, which makes all of this even more sad if Navient did this to make more money. I saw Navient in the news and wanted to file a complaint. I knew something about this loan was not right, but I am not a finance major. I work with XXXX-XXXX year olds with XXXX and it never crossed my mind I could have been wronged.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Debt collection (Medical debt) with AR Resources, Inc. (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Credit history showing {$100.00} medical debt which is not mine. I pay my medical copay by debit or check on day of appointment. I am requesting more information on this due amount. 

I also do not use the name of XXXX XXXX XXXX and I have never resided at : XXXX XXXX XXXX XXXX, NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2016 about Credit card () with JPMORGAN CHASE & CO. (OR).
Issue: Billing disputes

Complaint: On XXXX XXXX I lost my wallet at night. I had work following early in the morning, so I was going to wait to cancel all my cards and see If perhaps my wallet would show up. I got woken up at XXXX From a online Chase application alert stating that over {$4300.00} has been withdrawn from a " XXXX '' in XXXX XXXX, XXXX. I called Chase 24 hour support immediately and reported this as fraud and had them cancel my checking debit Card ASAP. They explained that this happens a lot and they will cover the fraudulent charges in 12 hours. Three days went by of me persistently calling with no valid answers but " We are in the process of disputing your claim ''. On the 4th day the funds were put back and I was at ease. Two weeks later, I received a letter in the mail from chase stating that On XX/XX/XXXX they will be taking out {$4300.00} from my checking account, and that the claim was researched and denied. I called Chase bank immediately, the reason for the denial was that I signed into my account at XXXX and then signed back out and there was about a 10 minute interval in between the time I checked my online bank account on the Iphone app until the time I called the Chase hotline. This is absurd! I used my Iphone to sign in because I received in alert, I mean this is XXXX of the reasons there is a mobile app RIGHT? Anyways, there is no way possible I will be able to cover this. I did some research and found out these funds were withdrawn from a casino in XXXX, XXXX. I am a XXXX year old XXXX living in XXXX and working hard to stay a float. On that note I am not even old enough to enter a casino, so how would I have done this transaction. XXXX, please help me handle this. Thank-You so much for reading my current situation. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
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 have sent 4 disputes certified mailed to Transunion and emailed it's CEO XXXX XXXX. They have continuously violated the FCRA. I have requested that my adverse accounts be validated by verifying an original signed contract with my signature on it. They have continuously failed to do so and have instead continued to " verify '' these accounts. They have yet to send me an original contract with my signature on it ( proof ). I have plans to litigate in small claims to fight for my rights as a consumer. I know the remedies for me for NEGLIGENT NONCOMPLIANCE.

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 10/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
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: Disputed the validity of this entry on my report and never have been provided account details as requested. Send notice that account was paid in full and funds to original creditor. The account delinquency was XXXX and according to law once a debt is paid and XXXX is paid then the collection agency no longer has an account to report. Please delete this item immediately as I have waited over 60 days to get this resolved and numerous calls. The debt was a duplicate also to another debt collector, causing several inaccurate entries to my credit report. 
It is sad that I have to cause stress to myself to fix this problem .Collection accounts that are closed and returned to the original creditors are to be deleted from the Credit reporting agencies, as these accounts are no longer in collection. 

Furthermore, if the accounts were paid they should not be listed as an open account. 

Your verifcation of the accounts as a " Paid Collection " is a violation of the FDCPA and FCRA, Specifically ; FDCPA violations ; XXXX XXXX XXXX ( XXXX ) providing false information to credit reporting agencies FCRA violations ; XXXX U.S.C. XXXX duties of furnishers to provide accurate information. 

XXXX XXXX. XXXX - failure to provide accurate information, failure to correct reporting.

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 12/20/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Nationstar Mortgage, XXXX XXXX XXXX XXXX TX XXXX XXXX This month, XXXX 2016 this company started requiring social security number to be entered when logging in to make online payments. THIS IS A POTENTIAL PERSONAL SECURITY/IDENTITY THEFT ISSUE. Security questions and XXXXPoint authentication, etc. is intended for this purpose and that Security Questions are available on their web site. Please note that when I tried to change my password and security question answers earlier this year the web site crashed and would not allow these changes. I contacted them several times and was able to change the password once but never the security question answers. It appears that the programmers for Nationstar lack the extensive knowledge to build a secure site. I contacted customer service at the number above and got the standard excuses as to why they must have the SSN and that the web site could not be changed back. Again the demand for the SSN at login is a demand implemented within the past 30 days and so it can be changed.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I am complaining about experian not fixing XXXX items on my credit report that are reporting incorrectly. I have submitted additional information that I received from XXXX bank who holds these XXXX cards ... .. ( XXXX and XXXX account ). The letter states to remove the deragtory remark and accounts should be listed in accounts that are in good standing. With this incorrect information on my accounts it is having a negative effect on my credit score which is affecting me in obtaining credit. They need to not just yes me and fix this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/28/2017 about Debt collection (I do not know) with CFS2 Inc. (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: I 've called back to have them stop and told them they are not allowed to call my employer. They repeatedly told me they do have a right to contact my employer. Refuse to stop contacting my employer.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2017 about Checking or savings account (Savings account) with FIRST NATIONAL BANK OF OMAHA (IL).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: I was denied a savings account per email they had sent to me as of X/XX/2017 at my XXXX. 

They denied me a savings account they said due to not being able to verify my identity. The questions except for one pertained to me. The questions asked to verify me had nothing to do with me personally and were mortgage or debts or loan questions pertaining to my deceased relatives. 

I feel the questions were unfair as they had nothing to do with me and thus was denied a savings account with FNBO 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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WI).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax poor security resulted in the release of my birthday, address, and social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2016 about Student loan (Federal student loan servicing) with ACS Education Services (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I attended college in the XXXX in XXXX and XXXX XXXX XXXX in XXXX. I took out loans becuase I was an older student and did not have a college savings. I am STILL paying this loan, I was unemployed for a long period of time and then only worked part time for 5 years after my son was born. My current loan servicer, ACS, suggested I defer the loan at this time. It was not made clear to me at that time that the interest would still accrue and exactly how much additional was added to the total cost of my loan. Currently my loan balance is {$21000.00} and the anticipated time for payoff is 14 years from now. I will be XXXX years old when this loan is fully paid. I have never been able to secure a full-time position in the field XXXX, which is my XXXX XXXX XXXX chosen field. ACS has mislead me and they are absolutely horrid to try to work with. I have tried applying for a XXXX as I currently work XXXX. ACS informed me that the current XXXX loan I have ( also under their recommendation ) is not eligible XXXX XXXX XXXX XXXX. When I applied to change to a different loan that would qualify, they denied me. 
ACS acquired my loan in XXXX and I was informed by The XXXX office that my previous servicer was XXXX and I can not seem to locate a payment history prior to XXXX to confirm the validity of the current loan balance. Something does not add up, and I feel like I have been scammed in the worst way possible. I would very much like to apply for a XXXX XXXX XXXX XXXX program as well as change the servicer that I need to deal with. More importantly, what becomes of the last 16 years that I have paying on a {$21000.00} balance that seems to have remained the same? Even large corporate banks will " settle '' for lessor amounts due to changes in financial situations, but this is n't an option for a student loan? I understand that the loan has has previous unemployment deferments and forbearance, however the numbers still do not seem to add up. I would like to pursue legal action agains ACS for their deceptive practices and failure to provide a service. Potentially I would also pursue state mandates to protect college graduates from falling into this trap, perhaps colleges should be held accountable for the degrees they offer, perhaps offer a different degree or classes at no charge if you are not able to secure employment. No one should be paying for a student loan when they are nearing XXXX age. More needs to be done to protect people from deceptive businesses like ACS. Can you please help? 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2018 about Debt collection (Auto debt) with CREDIT ACCEPTANCE CORPORATION (NC).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: In Reference to Company Credit Acceptance Account Number XXXX   ... ..

In XX/XX/XXXX my transmission blew so the company Credit Acceptance would not offer any assistance so I had voluntary repo the company did not take proper action as the NC law states about repos Currently I have learned they sold the car in a car auction XX/XX/XXXX 0r XX/XX/XXXXhowever through theUCC and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given and all of the allowable redemption and cure time limits were adhered. I received no notices also they are reporting inaccurate information like this account is new this account is at least 8 years old which should have been deleted off my credit file which I am requesting that Credit Acceptance Corp Delete in the next 15 days such we all can agree they have not took proper action in notify me of the debt also did not send notify me when the vehicle was auction off and no notification when reporting on my credit file 5 days prior and reporting as if it is a new account. I have attempted to dispute with the Credit Bureaus at least 4 times I was susscessfully with XXXX but XXXX and XXXX it comes back as verity but not ( validation nothing with my signature ). I appericate the CFPB help in this matter.

Sincerly 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 12-12-2017 about Debt collection (Other debt) with Collection Bureau of America Ltd. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: On XXXX XXXX I called to cancel my XXXX home delivery. Since that date, I have called 10 times in an attempt to bring closure to this nightmare. I was told on 3 different dates to put my 4 bottles of water out for pick up.  I was told XXXX/XXXX/XXXX, XXXX/XXXX/XXXX & XXXX/XXXX/XXXX. Even the supervisor I spoke with XXXX XXXX XXXX on XXXX/XXXX/XXXX told me the bottles would be picked up. Today XXXX/XXXX/XXXX I was told by XXXX at Collection Bureau of America that no one picks up the bottles. You, the customer, have to drop them off. After being told by 4 different people on 4 different dates that the water would be picked up. 

On XXXX/XXXX/XXXX I spoke with a supervisor named XXXX. Per XXXX, I had a final bill balance of XXXX ( {$.00} ). He said he would email me on XXXX/XXXX/XXXX or XXXX/XXXX/XXXX with the date the water bottles would be picked. I never heard from him. 

So, here we are 7 months later & my account has gone to a Collection Agency. Why? What are these charges for? I paid my final bill of {$29.00} On XXXX/XXXX/XXXX for delivery on XXXX/XXXX/XXXX of 3 - 3 gallons of water.

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2015 about Debt collection (Credit card) with Hameroff Law Group, P.C. (AZ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX XXXX , XXXX Represented by Hameroff law Group XXXX as. 
Went to our bank XXXX XXXX and was allowed to take XXXX out of our savings account. 
We were never told about this. 
We only have our SSI coming in. 
The bank never told us about this either. 
It said they could never do this but they did. 
What can we do now? 
We have no other income.

Company response to consumer: Closed with explanation