milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/29/2015 about Payday loan () with Gold Star Finance, Inc. (TX).
Issue: Charged fees or interest I didn't expect

Complaint: I am writing a complaint against Gold Star Finance in XXXX XXXX, TX. I recently sent them a certified Cease and Desist letter with the help of my financial counselor after a hardship I am experiencing that has caused me to default on a loan. I can no longer pay them as I only have {$800.00} a month in Social Security to live off of. This morning I was harassed over the phone from Gold Star Finance & gt ; They stated they were sending someone over to my house. Also when my home health provider tried talking to them over the phone to let them know it was not necessary they threaten to call XXXX on her because they claim I am being abused by her. I am afraid for my safety. My Financial counselor and I made a police report over the phone and this evening an officer will be coming by my home to take the rest of my report against Gold Star. I know I owe them the money however I can not afford to pay them. I was paying them up until last month however because I paid them I fell behind my utilities and had to get assistance through community resources to keep my electricity from being cut off.

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 EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I was logged into XXXX and after that I logged into XXXX. Upon viewing my credit report with each agency I noticed SEVERAL inaccuracies. A lot of spelling errors involving my name, several addresses that are listed incorrectly, my student loan debt is listed several times and is being improperly reported, XXXX companies listed debts that I never consented and are n't mine, and lastly, several agencies have clicked into view my credit profile without my consent!! In the midst of trying to correct these errors, both companies logged me off and stated, " due to inactivity my session has timed out ''. I tried to log back in but both XXXX and XXXX stated that the number of times I 've attempted to login have been exceeded, thus my account has been locked! Then I tried to check my credit with Equifax and it would n't even allow me to login. I am so frustrated and I have a lot of money that is due to be paid to me from the state of Virginia and I 'm afraid that someone has compromised my information as a method to steal my money and destroy my life. Please forward t grievance to the appropriate companies as I should not have to pay to view my credit report when I never received a chance to even review it the first time!

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Account listed under  XXXX  states I am paying as agreed. Account is included in bankruptcy with no negative balance prior.

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 07-12-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because TransUnion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

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 05-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with HCFS Health Care Financial Services, Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: This company violated the law. As I stated I have kept close documentation and records of all communication and action taken on this account with the company.  XXXX  failed to report account as disputed within the le gal 30 day tim e frame. They have no sent validation of the account nor my signature showing contractual obligations binding me to this account within the legal allowe d 15     days to provide proof. The account also is incompletely reporting and not following   XXXX   XXXX   compliance. I will be filing a lawsuit with the court closest to me against this company seeking up to {$1000.00} for each violation as well as attorney and court fees.

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 06/23/2016 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: In XX/XX/XXXX the national credit reporting bureaus ( XXXX, XXXX and XXXX ) respectfully agreed to ament the process in which all medical debt collections are to be reported. There was no past collection experience grandfathered protected by these adjustments that were administered by the Consumer Financial Protection Bureau, and these changes were to be effective immediately in XX/XX/XXXX. Accordingly, I demand my rights under this mandate to be applied on a medical debt that was never given the opportunity for adjustment through insurance, or to me mitigated directly with the hospital where services were performed. There should be a deletion of these collections, a new request for payment sent to me, and if not rectified within thirty ( 30 ) days, then a six ( 6 ) month or 180-day timeline goes into effect before the collection can be reported. The hospital in question could release the debt through options it has with any trust or endowment it controls, or XXXX the write off to me at the referenced address I leave with this complaint. In any event, I am entitled to relief from collections by an outside source ( s ) until I am submitted a new statement from the hospital in question, and the abusive tactics of using XXXX separate collection agencies for the same account is not acceptable. This only means that my information such as my social security number is being floated through a debt pool, leaving me exposed to identity theft and a number of other problems. The collection must be deleted across the board on every credit bureau as mandated by the Consumer Financial Protection Bureau, and I must be protected with both my personal information as well as my rights administered by a federal agency procured under Dodd Frank XX/XX/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 01-03-2016 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: first call from midland credit management was on XXXX/XXXX/XXXX, which I thought was a little strange. My phone service is XXXX which is XXXX. I get a lot of spam calls, so I downloaded a program on my computer called " XXXX '' which my phone only rings once and stops ringing. I have checked my credit report from XXXX and there is nothing negative on it except for the bankruptcy in XXXX. 
I have filed a complaint with the XXXX against Midland and threaten to report them to the nys attorney generals office. Back in XXXX midland credit was sued by the XXXX. The company was sued for XXXX dollars and more than XXXX improperly obtained judgements were vacated. I have never received any written information from them of who I owe and how much I owe. I am current with all my bills.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-12-2017 about Debt collection (Medical debt) with BC SERVICES, INC. (CO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a letter on XXXX XXXX XXXX Owed XXXX, account number XXXX From sent BC services For XXXX XXXX XXXX XXXX in my name stating that I Owed. A letter on XXXX XXXX XXXX was sent to BC services to validate the debt. on XXXX XXXX XXXX and itemize bill was sent to XXXX XXXX and not to me .Attachments will be added

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 03/25/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (VA).
Issue: Closing/Cancelling account

Complaint: Fraud was committed to my account months ago through my card with Capital One, charges being made to XXXX XXXX. THe company requested information which I have provided to them to insure that it is me. I wanted to of course, get the card reinstated. The wo n't accept the information which is clearly correct. They claim it is a copy of a copy and they wo n't accept it. I 've had enough of the harassing and phone calls and if they ca n't accept the only things that I can provide which are indeed the right things, then I asked them to please cancel my card so that my risk of exposure for a card I ca n't even use that could cause a credit problem or more identity problems. They are refusing to close out my account or reactivate it even though I 've provided legitimate documents proving that it is me. I 'm asking for help to get this account closed and lessen my exposure top more fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03-07-2017 about Credit card () with JPMORGAN CHASE & CO. (NY).
Issue: Customer service / Customer relations

Complaint: I was the victim of a robbery. That robbery lead to identity theft. That identity theft lead to temporary loss of access to funds. That lead to the temporary ability to pay by bills in a timely fashion as I normally had. That lead to one ( 1 ) negative credit reporting occurrence from Chase. The payment wad made as soon as it was humanly possible to do so. The same incident involved another credit card company and they were understanding and sympathetic enough to remove the negative credit reporting they had done. They understood the situation. I can provide the letter if you wish. I can also sign up for automatic payments or pay the balance ahead if that makes it better for you. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2016 about Debt collection (Payday loan) with Midwest Recovery Systems (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I checked my credit report to see this company Midwest Recovery System on my credit report for {$760.00} for a payday loan I have never applied for or received. I attempted the contact the company for over a month now and have not received any respond. I have not received anything in the mail. This company called me several times before in which I asked for prove of this account and was told they did not have to give me any prove and I will received everything when the police come and pick me up. 

This account has affect my closing on my home loan due to the company refuse to respond to voicemails or dispute letters. I want this account deleted from my credit report like yesterday or I will be sueing this company. My lawyer has also attempted to contact them and received no respond.

Company response to consumer: Closed
Consumer complaint received 09/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: I attempted to place a Credit Freeze with XXXX this evening. I followed the process and supplied all of my personal and private information including my credit card information for the {$10.00} fee and was charged for absolutely NO SERVICE by XXXX. 

Should n't XXXX be paying this fee as they are responsible for the breach and should n't this service be FREE as half of the tax-paying citizens private credit files of the USA were breached? I also thought this service was free to victims of identity theft?
After submitting all of my information, and after being charged {$10.00}, I was informed that my request could not be processed and that I would need to call in " during business hours ''. Should my {$10.00} have been refunded immediately if said service could not be provided? Should I pay at all due to my credit file being exposed?
This breach is an insult to the hard working citizens of the USA and a profit center for the other two credit reporting companies. There should be absolutely no charge to place a freeze of all three credit files instantaneously due to this breach with XXXX picking up the entire tab ( namely their three executives who excersized sizable stock options knowingly ).
My hope is that the CFPB takes a strong punitive stance on 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 explanation
Consumer complaint received 09-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I do not recognize nor did I authorize the following inquiries to be made : Wells Fargo Dealer S XXXX XXXX, 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 09/18/2016 about Mortgage (Home equity loan or line of credit) with TD BANK US HOLDING COMPANY (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I contacted TD Bank XX/XX/XXXX requesting an extension to my maturity XXXX. After having paid perfectly for 10 years, I was informed that they were not renewing land loans and could not extend my maturity date. They suggested I move the loan. I informed them this was not possible as other banks were not financing land loans and the property was worth XXXX % of the loan amount. TD Bank suggested that I file a " Request for Assistance '' ( RFA ) package. I obliged and completed the information. They approved a deed-in-lieu ( DIL ) after 6+ months and I requested that either they forgive the residual balance or we agree to terms for the repayment of the residual balance. They refused and the DIL was cancelled. They had me complete the RFA again for a loan extension/renewal. The loan modification was again denied after another 6 months. XX/XX/XXXX I first contacted the CFBP. I immediately received a response from TD Bank. I explained the situation and was told to complete a RFA again. For the 3rd time I completed the RFA. I then spoke directly to a representative and he again informed me they would not extend the loan as they are not extending land loans. I indicated that I understood and would except a DIL so long as the residual balance was forgiven. The representative asked if I was able to make a principal balance if the DIL was approved and balance forgiven. After consideration, I concluded that I could provide an additional principal payment to the bank of $ XXXX. The bank verbally agreed and committed to this action XX/XX/XXXX/XX/XX/XXXX. It is now XX/XX/XXXX and TD Bank is suggesting that they can not abide by this agreement. I have been contacting them repeatedly without success. They continue to indicate that multiple departments are involved. Please provide any assistance necessary as my note matured XX/XX/XXXX. I stopped making payments based upon the bank 's acceptance of the $ XXXX principal offer.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
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 tried numerous times to get this non-compliant reporting situation fixed. Trans Union credit reporting agency is now in violation several times for not following the Metro 2 Five points of compliance XXXX reporting under the Fair Credit Reporting Act. 

The Metro 2 Five points of compliance clearly states the following ... 

**1 XXXX is a web-based, Metro 2 compliant, automated system 2 CRAs include XXXX , XXXX , XXXX and TransUnion , their affiliates or Independent Credit Bureaus and Mortgage Reporting Companies. 

3 ACDVs initiated by a CRA on behalf of a consumer are routed to the appropriate Data Furnisher 4 The ACDV is returned to the initiating CRA with updated information ( if any ) relating to the consumer 's credit **5 If an account is modified or deleted, carbon copies are sent to each CRA with whom the DF has a reporting relationship. 

I have now had the same file deleted off two other data furnishers, but Trans Union continues to claim that they are verifying this account. 
This is a clear violation of # 5 of the metro 2 5 point compliance rule. They are to modify or delete when another data furnisher does. 

This account is not non-compliant, Trans Union refuses to remove this account and claims to continue to verify this account. 

I have even asked them to provide a certificate of compliance that went ignored as well. 

My next step is to take this case to court and sue for a large sum as this is affecting my day to day life. 

I have all the evidence I need to support my case. I will attach some of it with this complaint.

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 02/21/2018 about Debt collection (Medical debt) with Retrieval-Masters Creditors Bureau, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Dear XXXX XXXX XXXX, After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in 2017. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization.

Please provide breakdown of fees including any collection costs and medical charges.

Provide a copy of my signature with the provider of service to release my medical information to you.

Cease any credit bureau reporting until the debt has been validated by me.

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt.

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ALLY FINANCIAL INC. (MI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: At the beginning of the year I was a victim of identity theft ( FTC affidavit attached as well as proof of fraud alerts on all three major CRAs ). This caused me to look deeper into my credit. After doing so I discovered several inquires I did not recognize. One being from Ally Financial. On XX/XX/18 I sent a certified letter to Ally Financial requesting proof of " written authorization '' by me with my signature to pull my credit. Ally Financial failed to provide me with such proof. Thus I am assuming they have no such documentation and do not have written authorization from me to run my credit. I also did NOT authorize anyone to have Ally Financial run my credit. According to section 604 permissible purposes are : Firm offer of credit, insurance, employment and court order. Section 604 also states the consumer MUST give " written instructions ''. I have attached an FTC advisory opinion ( below ) which interprets Section 604 of the FCRA on what is both permissible and considered " written  instruction ''. According to this FTC advisory opinion Ally Financial is in direct violation of Section 604 of the FCRA. I again request that the UNAUTHORIZED inquires be removed from my XXXX  and XXXX  report or be provided proof I have given " written instructions ' to pull my credit. I am also aware according to FCRA Section 604 ( A ) ( 3 ) that Ally Financial is liable for a monetary fine if they fail to provide such  documentation. XXXX  and XXXX are liable for the monterey fines as well for reporting unverified information. 

https : 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