milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-05-2017 about Debt collection (Other debt) with FAIR COLLECTIONS & OUTSOURCING, INC. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: As a Federally Protected Consumer, Original Creditor, Principal of all accounts created by my seal/signature, I order FCO to make recompense and pay redress and compensation for their trespass against me. FCO has been attempting to extort and rob me using deceptive, false and misleading, abusive practices against me personally, my family and my household. This is criminal activity at least and is unacceptable by every means. You have committed several federal violations against me, a Private law abiding Federally Protected Consumer. Each violation is a statutory cost of {$1000.00} each, which does not include my personal cost and fees for taking time to address these issues. Violations committed against me include but not limited to : 1. Violated 15 USC 1692c ( a ) ; Communication without prior consent, expressed permission 2. Violated 15 USC 1692c ( b ) ; Communication without prior consent, expressed permission 3. Violated 15 USC 1692d ; Harass and oppressive use of intercourse about an alleged debt. 4. Violated 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt to you. 5. Violated 15 USC 1692d ( 2 ) ; Use of obscene or profane language on my report ( saying I owe you a debt ) 6. Violated 15 USC 1692e ; Using false, deceptive or misleading representations 7. Violated 15 USC 1692e ( 2 ) ( A ) ; False representation of the character and amount of the alleged debt 8. Violated 15 USC 1692e ( 2 ) ( B ) ; False representation of any service rendered or compensation 9. Violated 15 USC 1692e ( 8 ) ; Communicating false information 10. Violated 15 USC 1692e ( 9 ) ; Use/distribution of communication with authorization or approval 11. Violated 15 USC 1692e ( 10 ) ; False Representation ( not a party to alleged debt by my consent ) 12. Violated 15 USC 1692e ( 12 ) ; False representation/implication ( innocent purchasers for value ) 13. Violated 15 USC 1692f ; Unfair Practices attempting to collect an alleged debt. 14. Violated 15 USC 1692f ( 1 ) ; Attempting to collect a debt unauthorized by an agreement between parties. 15. Violated 15 USC 1692g ( a ) ( 4 ) Certifiable Validation and Verification of alleged debt ( s ) 16. Violated 15 USC 1692j ( a, b ) ; Furnishing certain deceptive forms. ( You are not a party in the alleged debt ) 17. IDENTITY THIEF ; Obtaining personal identification information without prior consent and creating an account in my name. 18. Invasion of Individual and Family Privacy

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 11/14/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (FL).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: I applied for and received a XXXX card through XXXX/Chase. I applied for the card on XX/XX/XXXXunder the marketing advertisement of receiving XXXX bonus miles if I spent {$2000.00} within the first 3 months of opening my account. I had fulfilled the obligation according to my XX/XX/XXXX statement and I called several times inquiring when will the bonus miles be applied to my account. I was graciously told by XXXX that the miles will be applied by Chase withing six to eight weeks. When I called Chase in XX/XX/XXXX, they stated I did not fulfill my financial obligation of spending {$3000.00} in order to receive XXXX bonus miles. I explained to them the advertisement stated {$2000.00} for XXXX XXXX. I applied for the credit card on XX/XX/XXXX from XXXX and the page stated {$2000.00} for XXXX bonus miles. Apparently Chase and XXXX were running two different promotions but I the customer should not be held responsible

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Focus Holding Company (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Several months ago, I discovered an open account in Collections on my XXXX credit report. This was an account listed by Focus Receivables Management of XXXX, GA, in the amount of {$110.00}. Upon contacting them, they had stated this account no longer resided with them, and I needed to contact the original debt requester, XXXX, in order to settle it. 

After doing so and closing out any and all remaining Collections accounts with XXXX, and additionally confirming that I owe no further debt to them with a representative of theirs over the phone today, I noticed that this is still listed on my credit report. 

I contacted Focus Receivables several months ago to question this, and they stated that it was simply an error and would " fall off '' my report in 30-60 days. It has not, and upon contacting them again today, I was told the first time that the representative would need to " request her manager send a Delete Request to the Credit Bureau, but that she was currently busy and to try back later ''. Upon calling them a second time today, I was subsequently told that everyone in that department was in a meeting, and to again try back later. 

Upon further research I discovered a litany of complaints, poor reviews and suggested illegal activity surrounding this company on multiple sites, and additionally discovered they are not accredited by the XXXX. 

At this time I would like to file a complaint in order to have this erroneous information removed from my credit report, as I have done my due diligence in attempting to clear this up with Focus Receivables on my own.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Over XXXX towns and goverment on my documents and home contents and also using computers and deniged me credit and loans and keep my stuff messed up and also with scams and land developments ect..

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with GC Services Limited Partnership (AR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX claims I owe them money, I do not, They refuse to provide proof of this debt, The XXXX representatives ( XXXX XXXX ) have lied to the Arkansas Attorney General, and the XXXX, ( I have this well documented ) and still harass me by employing collection agencies to act as their agent to continue this harassment, The latest agent being GC services.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2017 about Credit card or prepaid card (Government benefit card) with Comerica (GA).
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint: Started recieving SSI benefits in XX/XX/XXXX. Direct Express is the company contracts with the Government to distribute these benefits. XX/XX/XXXX during a check of my ballance I discover a charge for {$39.00}. Called to dispute the transaction after viewing numerous consumer complaints on line about the company. After several attempts to resolve the issue it was recommended the card be cancelled and reissued. However in the online comments it was stated that this did not resolve the issue. Further, after being told the issue was resolved, consumers still faced the same issues. Supervisor XXXX of Direct Express hung up without initiating my dispute when I demanded the service be discontinued. 
I spent several hours just to get to that point to avoid the fraudulent practices and am not willing to go through it again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: When contacting Capital One about receiving a goodwill adjustment on an oversight by me as well a login error by them I was advised that my account did not qualify for a goodwill adjustment and that I could not be told how to quailfy for a goodwill adjustment. I have been a customer of Capital One for 7 years with 2 credit cards and have never made a late payment outside of one on either account. So when asked why I dont qualify or how can I improve on my account so I can qualify I was told that is proprietary information and I could not be informed of that information. Based on my relationship with Capital One I don't understand how I don't qualify and how they can have standards that is not shared with consumers. This allows for discrimination and unlawful practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/24/2015 about Debt collection (I do not know) with FirstPoint Collection Resources (NC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The person who is responsible for the debt is not at this number. The debt collectors call almost everyday ; it is a robocall. They even say if the person is intended is not the person they are trying to reach is not the intended person, to not listen to the call. Nevertheless, they make the same call ALMOST EVERY DAY. I need them to STOP!!! These calls have been going on for more than six months.

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2016 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: An account with XXXX XXXX XXXX is showing on my credit report through Experian and it is not accurate. I contacted XXXX XXXX and they agreed to remove the item from my reports however Experian has yet to update their files.

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 03-05-2017 about Debt collection (I do not know) with NCC Business Services, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking. 

I am a victim of identity theft and noticed a collection from NCC BUSINESS SERVICES I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against NCC BUSINESS SERVICES in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. 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 04-11-2017 about Money transfers (Domestic (US) money transfer) with BANK OF AMERICA, NATIONAL ASSOCIATION (CO).
Issue: Fraud or scam

Complaint: Three days prior to closing on a real estate purchase, I received an email from whom appeared to be my closing coordinator informing me that there had been a change to the closing instruction. In the email, the scammer advised me to send the closing money to a bank account at XXXX. After verifying a few details over the email, I did wire the money from my own account at Bank of America. A couple of hours later and I realized this had been a mistake. I immediately contacted Bank of America and issued a recall request. I then contacted local police and filed a police report. I also called XXXX fraud hotline and reported this scam. The representative at XXXX suggested me to stop by a local XXXX branch office. I did and worked with a branch manager who immediately put the suspected account on a hard hold. After a couple of days following up with both Bank of America and XXXX bank, I now know that XXXX has a hold on the money but a portion had been withdrawn. Additionally, XXXX was willing to release the money back to Bank of America but it requires a " Hold Harmless Agreement '' that is signed by the VP of the Wire Department at Bank of America. However a Bank of America representative has refused to do so citing that this would transfer the legal liability from XXXX to Bank of America. 
I 'd like to file the complaint against XXXX bank for not able to accept a " Hold Harmless Agreement '' from me or not able to release the money back to me directly despite that I have proof beyond of doubts that the money was mistakenly transferred from my account at Bank of America.

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 09/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ONEMAIN FINANCIAL HOLDINGS, LLC. (MS).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Creditor Onemain and or Onemain Financial keeps ongoing reporting on accounts included in Chapter XXXX Bankruptcy well after notice of CHAPTER XXXX BANKRUPTCY XXXX/XXXX/XXXX. They are adding fake accounts, altering account numbers, altering accout dates, reporting accounts late when they are not, altering payment history and reporting innaccurate, false, and erroneous account information as far as XXXX XXXX well past Bankruptcy notice date XXXX/XXXX/XXXX. I have had a couple of disputes with this company, so I sent them a letter to there credit file listed addresses within 30 days XXXX/XXXX/XXXX Onemain and or Onemain Financial XXXX XXXX XXXX XXXX, IN XXXX and Onemain Financial and or Onemain XXXX XXXX XXXX XXXX, TX XXXX notifying them to correct all innaccurate, false, erroneous information contained within all my Credit files ( XXXX XXXX XXXX XXXX ) creditor has failed to fully comply. After notification XXXX/XXXX/XXXX the creditor ONEMAIN and or ONEMAIN FINANCIAL blantantly preceded to add multiple late payments about 12 to my XXXX profile up to XXXX XXXX, which are all false, erroneous, and inaccurate and need to be removed immediately they are well outside of Notice of Chapter XXXX XXXX/XXXX/XXXX. Creditor also changed contact address on XXXX file to Onemain and or Onemain Financial XXXX XXXX XXXX XXXX, MD XXXX and has received a resubmission only of prior dispute at this newly added contact address sent XXXX/XXXX/XXXX and been informed they failed to correct all innaccurate, false, and erroneous Information from my ( XXXX XXXX XXXX XXXX ) credit files within 30 days. For further Information please refer to my CFPB complaint which will be uploaded with this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2017 about Mortgage (Conventional fixed mortgage) with CARDINAL FINANCIAL COMPANY (NY).
Issue: Credit decision / Underwriting

Complaint: XXXX recommended Cardinal financial company to finance a mortgage on a home purchase in XXXX XXXX, Fl. The bank took to long to process the application by holding up the processing over {$140.00} non payment of old XXXX bill and it took 4 weeks to appraise the property. The property was under appraised which should have given me the ability to cancel the sale but the appraisal took over 4 weeks to get done and I did not have the ability to cancel the sale. In the end I was forced to take out mortgage insurance on a property in order to to close. Similar properties like mine are selling for {$15000.00} more than my property and the bank refuses to take off the PMI

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2018 about Debt collection (Auto debt) with Collins & Hilton Asset Group, LLC (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) THIS company is reporting on my credit which XXXX XXXX is reporting too both companies trying to collect for the same account & different amounts ... the vehicle was purchase from XXXX XXXX XXXX but was sold to XXXX XXXX  both companies trying to collect two different amounts for the same account I was never sent any documents where I could have attended the auction or sale I was never giving the chance to buy the vehicle back

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2015 about Debt collection (Medical) with Rash Curtis and Associates (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: This company continues to Report a " medical bill '' to the bureaus after they have been provided the police report and all documentation several times. They are dogmatic and threatening.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: The financial burden of my student loans are to large for me to handle and I am unable to negotiate other options like forgiveness plans or bankruptcy. I have had to postpone life choices like marriage and children due to these burdens. I have a good paying job and still unable to live within my means. This form of indentured servitude is unethical in our society.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2015 about Student loan (Non-federal student loan) with DISCOVER BANK (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Discover student loans services my private student loan from XXXX XXXX XXXX XXXX. I made a payment on XX/XX/XXXX and it cleared my bank on XX/XX/XXXX. But I continued to get late notices including XXXX phone calls and XXXX letters overall stating I could have the late notice reported to a credit history company. After a phone call and further e-mails the payment was finally applied on XX/XX/XXXX. To avoid further issues I applied over the phone for auto debit payments for this loan. I got a letter stating my auto debit application was being processed. XXXX weeks later I e-mailed Discover Student Loans to confirm the status of my auto debit payment but was told the did not have any of the information needed for the auto debit process ( banking account number ). This program offers a 0.25 % interest rate reduction which I will be missing out on for at least another XXXX months due to this delay.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/26/2017 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: Account information incorrect

Complaint: On  XXXX  we tried to get a modification of our mortgage loan but we did not get it ; therefore, we decided to ask for a Short Sale approval. We got the approval from   XXXX   ( they had purchased the original lender ) on  XXXX   XXXX , and the whole short sale process was finished by  XXXX   XXXX .     Almost 3 months later, on  XXXX   XXXX , we received a letter from  XXXX  announcing again we did not qualified for modification and asking to take one of the options they explained to avoid foreclosure. Obviously, we did not pay attention since we supposed that eventually someone in  XXXX  would realize of their mistake. Unfortunately for us, it seems it was not the case, and a negative entry in our Equifax and   XXXX   reports says " Account paid after foreclosure started ''.     I have filed this dispute to Equifax three times. The first time on  XXXX   XXXX   XXXX , the only thing we got was a  XXXX  points reduction in my score. Second time, on  XXXX , Equifax did nothing. On  XXXX   XXXX  this year, we filed again a new dispute and sent proofs : Approval from  XXXX   (   XXXX   XXXX   ) , HUD Deed  (   XXXX   XXXX   ),  Mortgage Release (  XXXX   XXXX  ) and the inconsistent letter announcing a future Foreclosure dated  XXXX   XXXX   XXXX . At the same time I faxed all these documents to  XXXX .     Today I got an alert from Equifax and the false statement is still there. I called Equifax and despite the fact of being their customer for many years, and even being totally aware of this false statement because the letter announcing foreclosure was produced and sent  THREE  MONTHS AFTER we had settled, they said they can do nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2016 about Mortgage (Conventional fixed mortgage) with Supreme Lending (TX).
Issue: Credit decision / Underwriting

Complaint: As I was searching for mortgage options, I discovered XXXX, which is managed by Supreme Lending. After being contacted by XXXX XXXX out of Colorado, we talked and he told me that I would qualify for a home mortgage of up to {$150000.00}. The biggest question was " after deferment, how much would your student loan payment be? '' After getting the estimate from the generator on studentloans.gov, i gave him the approximate and he said it would be fine and I was credit worthy. Excitedly, I shopped around and found a house for {$130000.00} ( well below his recommended. After contacting him, he consistently told me he 'd get back to me to get more information, and often did not reach me for a week. After finally getting ahold off him, he asked for the student loan information and the number given after getting this years AGI was less than projected, which is good. However, he did not explain that since the loan was in deferment that they will count 1 % of the loan, which is substantial. He did not clarify this two months earlier when we were talking about this. After trying to talk to him and suggesting I just consolidate the loan, he just stated that I gave him wrong information and that he does n't get paid on loans he ca n't close and that I should find a bank in the area that will due it in a month. We were already discussing repairs and now I am out my earnest money because he does not communicate. Thanks Supreme Lending!

Company response to consumer: Closed with explanation