milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/19/2016 about Debt collection (Medical) with The CMI Group, Inc. (TN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I get repeated calls for a collection agency trying to collect a bills that I do not recognize. I never received any bills regarding a medical bill due. I really need the collection calls and need some detail about this bill.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2017 about Credit reporting () with EQUIFAX, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Equifax is reinserting deleted accounts on my credit report.  XXXX   XXXX   XXXX  has resurfaced on my credit report after it has been deleted without a 5 day notice which is a violation of the FCRA. The account number on this account is  XXXX . This account was deleted more than once from my credit report and now its reinserted without my knowledge again.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2015 about Credit card () with HSBC NORTH AMERICA HOLDINGS INC. (TX).
Issue: Delinquent account

Complaint: I had a charge off with XXXX XXXX XXXX, that was the Date of First Delinquency. According to the FCRA the account will be deleted after seven years from DOFD. I have credit reports ( attached ) showing the DOFD as XXXX XXXX. My reports always showed the account schedule to fall off XXXX XXXX, which would be correct reporting. As of this XXXX the account remained so I disputed it with XXXX, XXXX and XXXX. XXXX and XXXX deleted the account per proper reporting information. XXXX responded to XXXX that the new date for this account to be removed is XXXX XXXX, which is very incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Rent Recovery Solutions (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I am receiving calls regarding a debt that I supposedly owe from a property management called XXXX XXXX but no verification of debt has been provided. My lease ended XXXX XXXX, 2015. I moved out XXXX XXXX, 2015. I paid my rent on time. I ended my lease in good terms. I never received an outstanding invoice amount from XXXX XXXX. The call from Rent Recovery Solutions, LLC concerns me, as I am not sure they are legally authorized to collect such claim.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I submitted my request for my free credit report online to Experian they did not make it available. They stated I could pay a dollar and get my FICO Score. After paying {$1.00} I did get a report with no FICO Score Membership ID XXXX, It states Credit Report Prepared for XXXX XXXX as of XXXX. I wanted to dispute XXXX account XXXX XXXX which I did not have in XXXX, Another Disputed account XXXX XXXX XXXX who I corrected with the help from your organization and should have been cleared it was closed. by XXXX XXXX to avoid litigation. Also I wanted to dispute XXXX from XXXX. 
All though this information came from them when I wanted my credit report they did not provide it nor the credit report number so I could dispute the above information. 
All of my information was confirmed to them current address, XXXX XXXX XXXX Address in XXXX, Telephone number ending in XXXX. 
All I want is my full Credit Report guaranteed by Law so I can see exactly what is being reported. They did get the extra dollar to tell me I do n't have a FICO score.

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 08/28/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (MD).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I 've been contacted by Midland funding collection agency on behalf of XXXX in amount of {$1700.00}. This debt is from 2011. I remarried cancelled contract with XXXX to transfer over to husbands phone carrier. Midland funding nor corporate XXXX will provide contract and itemized bill. Will only provide a brief summary of what is supposedly owed. I have contacted an attorney and have them on retainer. I 've been going back and forth with the collection agency and they stated they do not have these documents from the creditor. It 's my legal right to see the contract and itemized bill not a summary of which looks like my XXXX old could have drafted. Please help as I want this removed from my credit report all XXXX bureaus!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Immediate Credit Recovery (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: My interest rate is ridiculous. I only owed a little over XXXX but now I owe XXXX. I do n't understand how.

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Reference Case number : XXXX. For over 3 years my wife and I have not been able to obtain our free annual credit reports online. For years previous, we had no problems. Queries to the Credit bureaus and the CFPB have been non-productive. I 'm attaching an edited summary of my email exchanges with the Ombudusman office going back to XX/XX/2014. They also have been frustrated and suggested I re-file the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2015 about Debt collection (Medical) with CMRE Financial Services, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XXXX/XXXX/15 I received a letter from collection Agency to pay {$250.00} : CMRE Acct : XXXX The DEBT IS NOT MINE : I was billed wrongfully by Texas XXXX XXXX XXXX ( account # XXXX ) through the Agency " XXXX '' with account XXXX, last bill in amount {$250.00}. This bill was to be covered by XXXX XXXX, to whom they sent firstly the request, but on improper form, so did n't get paid. 

This bill is from my account # XXXX ( on XXXX form only, on XXXX account it is only the numeric part ) and should be paid by XXXX billing only, though despite of my repeated contact with Customer Service of Agency " XXXX '', the bill was n't sent properly to Texas Dept. XXXX XXXX. XXXX 'XXXX XXXX. I received XXXX such bills from " XXXX '' - their billing service : First bill from The Texas XXXX XXXX XXXX on XXXX/XXXX/15 = {$300.00} ( XXXX XXXX and XXXX ) ; Second bill on XXXX/XXXX/2015 for the same service had XXXX ( XXXX XXXX XXXX ; The XXXX bill statement is from XXXX/XXXX/15, for the same service ( XXXX ), but with a different amount {$250.00}, due to new service was added ( from XXXX/XXXX/15 ) and I paid immediately my duty : {$1.00}. On XXXX/XXXX/15, I called Texas Dept. XXXX., and I submit FAX with bills from XXXX to XXXX XXXX Customer Service XXXX Claim # XXXX, confirming that XXXX XXXX has to pay my bills. On XXXX/XXXX/15, they requested to Texas XXXX to submit the appropriate forms, though Texas XXXX never sent their new bill form till today ( XXXX/XXXX/2015 ), when I contacted again XXXX ( phone XXXX ) about paying my bills. The Customer Agent called today Texas XXXX and asked again to submit appropriate form for getting money for my bills ( today claim= # XXXX. They again promised to send it, so I will XXXX in 2 weeks, but can be too late for my credit score tarnishing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CL HOLDINGS LLC (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was contacted by XXXX XXXX from XXXX XXXX, XXXX on XXXX/XXXX/XXXX demanding I pay a debt. I asked what debt? He replied an old XXXX debt. I told him I never had a XXXX account and demanded he send me validation. I received a letter from him dated XXXX/XXXX/XXXX stating I agreed to pay the debt on XXXX/XXXX/XXXX. I sent a response letter to him denying that the debt in question was mine and to send verification. I received a letter from XXXX XXXX XXXX dated XXXX/XXXX/XXXX stating they had received my dispute claiming unauthorized use of account. Today XXXX/XXXX/XXXX I receive XXXX letters from Jefferson Capital.1st dated XXXX/XXXX/XXXX stating they have received my dispute and are unable to resolve and request my SSN, Act #, description of error, dollar amount, date of suspected error, and copy of credit report. It 's been 4 months for them to respond! And then they are asking me for information that I was attempting to get from them for validation! The second letter I received the same day " introducing '' themselves as a debt collector and stating I have 30 days to dispute the debt. Is n't that what I 've been doing since the first phone call and letter four months ago?!

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2016 about Mortgage (Other mortgage) with Ditech Financial LLC (ME).
Issue: Loan servicing, payments, escrow account

Complaint: My name is on a mortgage still owned by by ex-wife. She did not receive notice of a change in escrow. Her payment was on time but was short by {$140.00} dollars and late only until the error was noticed ( about two weeks ). The bank refuses to remove the " over 30 '' hit to my credit report. the over 30 hit on my credit is making it impossible to refinance my new property which I need to do by contract before XXXX 2017. Her payment was on time and has never been missed. She did not receive notice in change in escrow and therefore was short by the increase in escrow change. The payment was on time and the " over 30 '' hit on my credit will make it impossible for me to refinance before XXXX 2017, causing me severe financial harm to me and possibly the loss of the building which was owner financed with a 2 year window to refinance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Debt collection (I do not know) with Account Control Technology, Inc. (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I received an alert on my credit report that a company named Account control technology is now on my files. I have no knowledge of this debt. I have no idea where the debt came from because I have not been contacted by anyone at all. Please remove this from my file and provide some type of verification and validation that this debt is indeed my debt. It is unlawful to falsely report things without proper validation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-07-2016 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: This account is told old to be on my file date of last payment was XXXX XXXX XXXX is trying to use the date of first major delinquency as my last date of payment with is incorrect to prolong this account on my credit report and on XXXX XXXX has now change my first date of delinquency on my account to XXXX XXXX which is incorrect XXXX is reporting false and incorrect information to my credit report this account should be deleted for my report it has been seven years now

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I am extremely concerned about XXXX's massive failure to safeguard my personal information. In addition, the entire system of credit reporting and security in this country needs to be overhauled. It is ridiculous that I have to pay a $XXXX fee to freeze and unfreeze each one of my credit reports. What's more, these credit bureaus don't even consider me a customer. They should charge the potential lenders the fee, not me. If you made this simple change to the laws, then this would cut down on 99% of the identity theft. Currently, it doesn't cost the thieves anything to make unlimited attempts to steal my identity. But if they were forced to pay $XXXX to attempt to access a credit report, it would cut down that activity significantly.

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 03/22/2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: Bank of America set up a student checking account for my son with me, his father, also on the account. For some reason they have an overdraft mechanism on the account that if he goes over or negative, the charge goes through and he gets hit with a {$35.00} overdraft fee, which recently happened. 

So I asked if the {$35.00} could be reversed for it is a student account but they said its not a student account, it is a UGTMA, so they didn't reverse the {$35.00} charge. This is not what we set up - we thought it was a student account.. And they can't delete the overdraft mechanism. 

So it's just an account that will collect fees from a student. Kind of ridiculous. Thx

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 monetary relief
Consumer complaint received 06/18/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Transaction issue

Complaint: XXXX XXXX XXXX XXXX ( aka XXXX XXXX ) ( AKA XXXX ) contacted us on XX/XX/XXXX to supposedly update our account since it was quiet since 2015. We perform Broker Price Opinions ( BPO 's ) as a side service for real estate firms. XXXX XXXX asked for our " updated '' credit card info, and unfortunately, my wife did provide it on that incoming phone call. 
Turns out we did NOT do business with this company XX/XX/XXXX. My wife found no activity with them in the past, though we HAVE done BPO 's successfully with other agencies. 
My wife also looked up the SCAM reputation of this firm and decided to cancel any further involvement. When she called back THE SAME DAY, no one answered the telephones at XXXX XXXX. No one answers our email. They did charge our credit card {$440.00} that day. 
We have three times told our bank ( CITIBANK ) it is FRAUD, but when CITIBANK contacted XXXX, XXXX told the bank that we have a " current account in good standing '' with XXXX and LDG does not give refunds. 
1. XXXX still will not answer our calls. We have tried phoning and emailing many times since XX/XX/XXXX. We have attempted to cancel an account that never existed in our emails. How can we communicate? 
2. CITICARD/ CITIBANK has twice provided a " CONDITIONAL CREDIT '' but each time has taken back the credit. The bank says we are responsible because of what the merchant told the bank. As of XX/XX/XXXX, the bank is refusing to help us further. 
We have notified the XXXX XXXX, the Colorado State Atty. General, and also the Colorado Division of Real Estate.

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 monetary relief
Consumer complaint received 04/16/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Franklin Collection Service, Inc. (MD).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This company I have never heard of or heard from is continuously reporting on my credit report that I owe something that they have yet to prove that I owe or that I have owned. Account number reported on credit report is something they do n't recognize.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2017 about Mortgage (Conventional home mortgage) with Pacific Union Financial, LLC (MO).
Issue: Trouble during payment process

Complaint: My homeowner 's insurance was cancelled by XXXX two months after my home closed. They sent me a refund check. My insurance agent found another company, XXXX XXXX, and had them send the bill to my mortgage company Pacific Union Financial. I deposited the money into my escrow account on XX/XX/XXXX and contacted Pacific Union 's mortgage department and insurance department to make them aware of the change.
On XX/XX/XXXX a noticed was mailed to by XXXX XXXX saying the my homeowners insurance was being cancelled for non-payment on XX/XX/XXXX. I contacted Pacific Union onXX/XX/XXXX and they said a check had been mailed out but to the wrong insurance company. They gave me a tracking number and said a new check would be mailed to the correct company.
I checked the tracking number onXX/XX/XXXX and it showed that the label had been created but nothing was ever shipped. I called Pacific Union and they told me they could n't give me any information about the check being cut because the person I spoke to was out for the day. They told me they would look into it and call me back.
I did n't receive a call back so I called again on XX/XX/XXXX and was told that they had no resolution and that they would need to check with their accounting department to see if a check was ever cut and that it would take 24-48 hours to determine if it had been and that they would call me back.
I did n't receive a call back again so I called today,XX/XX/XXXX and was told a check was mailed to the correct insurance company and was given a tracking number. I checked the tracking number myself and show it was delivered. I asked why no one called me back despite being told numerous times they would follow up with me, and was told they were too busy.
At this point, I 'm waiting for my insurance agent to confirm the insurance company received the payment.
This is more of a complaint than asking for a resolution, but I wanted it to be known that Pacific Union sent my escrow money to the wrong carrier, did n't tell me and then it took multiple phone calls to get the check despite the fact my insurance is getting cancelled in 4 days.
I did everything I was supposed to do according to my insurance agent and Pacific Union 's mortgage and insurance departments yet was told they were too busy to follow up on their part.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JH Portfolio Debt Equities, LLC (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On several occasions, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I have contacted XXXX in reference to a collection from JH Portfolio collection account reporting inaccurate information on my credit file. The original account was a result of identity theft and I have submitted identity theft affidavit as well as police report on these items. The original creditor deleted the account from my report. However, now JH Portfolio is now reporting. How is this legal to report inaccurate information when the original creditor deleted the incorrect information? On my police report I have even listed JH Portfolio as they are the company that is showing on my credit report. I have contacted JH Portfolio on several occasions as well to validate this debt was mine. I have received nothing from JH Portfolio except excessive harassing phone calls on a daily basis to my cellular phone. XXXX keeps stating that this debt has been verified however, I am unsure how this could be when XXXX has incorrect information listed in my credit file for my date of birth. JH Portfolio has also aged the account on my credit file for a date prior than when it originally appeared on my credit file. The JH Portfolio collection account is NOT my account and I request that it be deleted from my credit file.

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 06/16/2016 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (FL).
Issue: Managing the loan or lease

Complaint: I purchased a Truck from XXXX XXXX XXXX in XXXX XXXX ... they procured my financing through Ally financial. I have never heard of this company and their logo is purple so getting a call from an unknown company asking you for {$800.00} you would be a little wary. Calling XXXX XXXX various times only left me with numerous " I 'll let you know who your loan is through '' not real answers ... not an actual name, account number, nothing. I sent {$250.00} to test the company first. Seemed to check out so I sent the remaining payment. They break down payments as the following : Date Payment Amount Description for Payment Type Code Finance Charges Late Charges Other Charges Total Paid XXXX/XXXX/2016 {$310.00} Outside Bill Pay {$98.00} {$0.00} {$0.00} {$410.00} XXXX/XXXX/2016 {$280.00} Outside Bill Pay {$120.00} {$0.00} {$0.00} {$410.00} XXXX/XXXX/2016 {$360.00} Outside Bill Pay {$48.00} {$0.00} {$0.00} {$410.00} XXXX/XXXX/2016 {$490.00} Online payment {$67.00} {$0.00} {$0.00} {$560.00} XXXX/XXXX/2016 {$0.00} Outside Bill Pay {$250.00} {$0.00} {$0.00} {$250.00} Their Finance Charges as you can see change daily!? 
I agreed to no higher than 6 % interest and the way they creatively have this set up I 'll end up paying $ XXXX for a $ XXXX truck. 
I looked into refinancing, thinking please XXXX XXXX save me ... They pulled my information and let me know that they have been reporting me late on my payments ( even though I have not been ). Now they lowered my score so I 'm stuck with them. What a scam. I have never agreed to this! I never signed paperwork with this company the last thing I was told through XXXX XXXX was I was dealing with XXXX XXXX for a loan ( my own bank ). I called on XX/XX/XXXX16 and talked with XXXX asking for any explanation and a review of the credit reporting. I 'm sure they will say it was late the first month or they will have some creative excuse, but I can not pay a bill I had never received, to a bank I have never heard of, with an account I did n't know I had. I am livid. They charge daily interest so if I pay a month in advance will I not have this? Its worse than " late fees '' XXXX forbid if it will actually be late. There a significant difference in their fees and it is not what I agreed to. I still have n't received a paper statement once. ( I was informed that they send me email ones. ) I feel like this is the biggest regret of my life. I can not afford this.

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