milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-05-2016 about Bank account or service (Other bank product/service) with CITYWORTH MORTGAGE LLC (NY).
Issue: Account opening, closing, or management

Complaint: Good day my I was in the process of getting a home loan from city-worth and XXXX XXXX is the loan processor I was given his information by a friend and my friend told me he was good but he 's not. My credit was n't that good and I had own money on my credit card he went and spread my information with my friend which is bad and I 'm sure there 's a privacy act against the banker or loan officer calling other ppl and given them my information it is bothering me and I have hired an attorney bout this. XXXX XXXX told them my credit score etc this is bad. The name of this bank is city worth mortgage in Va.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Alessi & Koenig, LLC (NV).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The Alessi - Koenig law firm sought to collect a debt -- {$2300.00} in attorney 's fees -- for services that were not performed.

Company response to consumer: Untimely response
Consumer complaint received 12-09-2017 about Debt collection (Credit card debt) with Machol & Johannes, LLC (UT).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: I have a Judgment against me XXXX XXXX XXXX XXXX, Civil Action No : XXXX, amount of Judgment {$850.00} plus interest. From XXXX XXXX XXXX, represented by XXXX XXXX XXXX XXXX Attorneys at Law XXXX XXXX XXXX XXXX XXXX XXXX, Colorado XXXX. 
My girlfriend got a letter from XXXX XXXX dated XXXX/XXXX/XXXX, notifying her that a hold has been placed on her safety deposit box at XXXX XXXXk located at XXXX XXXX XXXX XXXX, XXXX XXXX, Utah XXXX. The reason for this was because my name is on her safety deposit box, which has her family property in it, nothing in there is mine. I called XXXX XXXX XXXX who is handling this for XXXX XXXX XXXX, the account in question has been closed for over a year, there is a liquid money debit card assigned to that account which has also been frozen, I explained to XXXX XXXX that all my money at that bank is Social Security monies, he told me that I had to send him the last 3 months checking account statements, that they would look at them and then decide if they would release the block. I myself have a safety deposit box there also which has been blocked from, they can have it as it only has 4 XXXX half dollars in it. I also explained that according to Section 207of the Social Security Act ( 42 U.S.C.407 ) states " The right of any person to any future payment under title shall not be transferable or assignable, at law or in equity, and none of the monies paid or payable or rights existing under this title shall be subject to execution, levy, attachment, garnishment, or orher legal process, or to the operation of any bankruptcy or insolvency law ''. Subsection XXXX or XXXX do not apply to this matter. 
He also refused to accept my award letter as proof from the Social Security Administration.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2017 about Debt collection (Other debt) with Conn's, Inc. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: CONN'S APPLIANCE HAS RECEIVED ALL THEIR MERCHANDISE FROM ME. CONN'S TOLD ME THAT WHEN THEY PICK UP THE MERCHANDISE THAT THEY WILL ACTION OFF ALL MERCHANDISE AND THAT I WOULD HAVE TO PAY THE REMINDER BALANCE ON THE ACCOUNTS. ONE OF THEIR EMPLOYEES THAT CAME AND PICKED UP MY MERCHANDISE STATED THAT CONN'S DOES NOT REALLY ACTION OFF MERCHANDISE THEY JUST THROW IT AWAY AND SAY YOU OWE THIS CERTAIN AMOUNT. SO I HAVE REQUESTED CONN'S TO SEND ME THE INFORMATION SHOWING THE AMOUNT THAT THE MERCHANDISE WAS SOLD FOR AND THE REMINDER AMOUNT THAT IS LEFT BUT THEY HAVE BEEN UNABLE TO PROVIDE THAT INFORMATION. THEY ALSO ARE REPORTING TO DIFFERENT LATE ACCOUNTS. ONE IS SHOWING AS REPOSSESSION ACCT#XXXX AND THE OTHER ACCOUNT IS SHOWING CHARGED OFF AS BAD DEBT ACCT#XXXX. THESE ACCOUNTS ARE REPORTING INCORRECTLY I HAVE TRIED TO CORRECT THIS WITH THE COMPANY BUT THEY WILL NOT WORK WITH. I'M ASKING THAT THE CORRECT INFORMATION BE PROVIDED OR EITHER ALL ACCOUNTS BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2017 about Debt collection (Medical) with Cascade Capital, LLC (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was contacted by a company named XXXX XXXX by a man named XXXX XXXX and subsequently by a man named XXXX stating that I owed them {$1400.00} from an emergency room visit that occurred on XXXX/XXXX/2015. I asked them to give me whatever information that they had so that I could verify their information with my records and the hospital, if necessary. They were verbally combative and insulting to me when all I wanted was to be able to verify the details of their claim. Subsequently, I was able to locate the benefits document from my insurance company that shows that I never owed the debt. This was a debt that was purchased from another company which was, presumably, purchased from the hospital where I had the emergency room visit. My insurance benefits document indicates that the charge in question was an 'Ineligible charge ' that the doctor who made was prevented from making through agreement with my insurance company. I am absolutely convinced that this was a cheap tactic by the doctor, the hospital, and every debt collection company that bought the debt to try to get me to pay for something that I was never responsible for paying, and, had I not resisted their strong-arm tactics, I might have agreed that I owed the debt ( which I do not ). I do n't believe that it was necessary for the employees of XXXX XXXX to speak to me in the manner in which they did -- especially since I do not ( nor have I ever ) been responsible for the amount that they say I was.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Rent Recovery Solutions (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am writing about an apartment complex that inflated the amount that was owed to them and refuses to remove the debt from my credit report after I have disputed multiple times, I have also sent original email proving that there was a discrepancy before the account was ever placed in collection and they still refuse to remove.

Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I have sent repeated letters to XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX asking that they validate the debt that they are showing on my Transunion Credit Report. I have sent XXXX letters and have proof of delivery for both. It has been well over 60 days and I have not seen a response. 


XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX/XXXX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX 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 03/29/2016 about Credit reporting () with EQUIFAX, INC. (CO).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Equifax refuses to provide REAL telephone numbers to contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (HI).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: On XXXX XXXX, XXXX I booked a XXXX flight from XXXX to Hawaii. While in the process of paying for my flight, a box appeared on the screen to apply for the American ExpressXXXX XXXX XXXX XXXX " XXXX '' XXXX credit card. It stated that I would get a {$200.00} statement credit if I applied for and paid with my card. I applied for the card and paid for my flight with my new XXXX credit card. After approximately two months, I did not receive my {$200.00} statement credit. I called XXXX and the person that I spoke to advised me that it would probably take about 90 days for the credit to appear. After 90 days passed, I still did not receive my credit and called XXXX again. They opened an " investigation '' and advised me to follow up on 2 weeks. Approximately 2 weeks after that, on XXXX XXXX, XXXX, I followed up and demanded to speak to a supervisor because my {$200.00} statement credit had still not been applied to my account. A supervisor named XXXX advised me that I would have my credit on the XXXX. Today is the XXXX ( XXXX XXXX XXXX XXXX and there is still no {$200.00} credit on my account. It is now approximately 140 days since I was approved for this card, booked and paid for my trip. I have still not received {$200.00} statement credit. I have no alternative but to conclude that this is a fraudulent offer.

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

Complaint: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with CCS Financial Services, Inc. (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXXCredit Collection ServicesXXXX XXXX XXXX, MA XXXX-XXXXAccount # XXXX do not except your offer to do business. If you attempt to force me to do business with you under threat of economic harm, then that is attempted extortion. If you attempt to force me to do business with you without any written relationship between us, then that 's fraud. If you continue your course of action, I will consider the situation a crime and act accordingly. Return this account to whoever asked you to invite me to pay whatever it is you are collecting. 

Sincerely, XXXX XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Debt collection (Other debt) with Fidelity National Information Services, Inc. (FNIS) (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Debt has been paid and closed through XXXX. For some reason it has yet to be removed from CHexSystems

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 04/20/2015 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I open an account with XXXX XXXX on XXXX/XXXX/11. I filed a Chapter XXXX case XXXX. XXXX XXXX file a claim. XXXX XXXX are receiving payments on the claim. XXXX XXXX refuse to update the correct balance on my credit report. XXXX XXXX also sent me a XXXX to pay taxes on this debt which is included into a Chapter XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/21/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX XXXX XXXX has incorrectly reported information to the credit bureau. I opened up a case with the CFPB between me and XXXX XXXX XXXX. XXXX XXXX XXXX sent me written notification through the CFPB that they do not have any record of this account. I forwarded them the requested information and they still were not able to locate any account. I have attached a copy of the written correspondence from XXXX XXXX XXXX concerning not being able to locate this account. This account is not mine. The case number between the CFPB and me in regards to the XXXX XXXX XXXX account is : XXXX. I give the CFPB permission to share any details about this case with Experian. I have attached screen shots of the CFPB portal showing XXXX XXXX XXXX 's response in which they claim they can not find any account matching my information. They cite a 3rd parties name claiming they looked under that name as well and could not find any account. XXXX XXXX XXXX has been provided with my photo ID, credit report, social security number and DOB and was unable to verify an account. When I have previously disputed this account through the traditional method of directly to the credit bureau via USPS I received notification from the credit bureau that they validated the debt - however when I reached out to the creditor I was met with the attached response. This debt is not mine and I have proven that multiple times. Now I have proof that XXXX XXXX XXXX can not validate this debt.

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 12/15/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Hello, I have a judgment appearing in the public records section of my credit report on TransUnion and XXXX. This item has been removed from my XXXX credit profile. My concern is that the date appearing on the item is different on my TransUnion and XXXX credit profiles. I 've disputed this a couple of times and never get a satisfactory response. I do not want this item to remain on my credit profile longer than it should be. At this time my dispute is not with the company that filed the judgment, but with XXXX and TransUnion for reflecting the wrong date. This judgment was filed against me in XX/XX/XXXX, so it should be up for removal in XX/XX/XXXX. I 've included a screenshot of what appears on my credit with all XXXX major Consumer Reporting Agencies, including how it reflected with XXXX prior to removal.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2017 about Debt collection (Medical) with Southern Credit Recovery, Inc. (LA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: received numerous phone calls on behalf of XXXX hospital in an attempt to collect a debt owed telling me they were going to take legal actions if i did not pay them

Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2015 about Credit card () with TD BANK US HOLDING COMPANY (NY).
Issue: Balance transfer

Complaint: I applied for a balance transfer from my XXXX XXXX card to a TD Bank credit card for an amount in excess of {$4000.00}. This was done and approved on XXXX XXXX, 2015. The teller assured me it would take XXXX days for the money to be transferred. After that time passed, I contacted TD and they said I was misinformed- that it would take between XXXX weeks for the balance to transfer from XXXX to the TD credit card. After XXXX weeks passed, I contacted TD again, because XXXX told me I was going to be reported, which will affect my credit. At that point, I paid the minimum due, to XXXX, to avoid my credit being affected. After talking to many people on the phone, at TD, I was finally told that there was an error, on their part, and that they had to re submit the application. I asked if there was any way to speed up the process because of my current situation with XXXX and their mistake. They told me there was nothing for them to do and I would have to wait. I waited, and XXXX reported me to the credit bureau. Finally, the manager at the TD Bank branch, where I applied for the transfer, said she talked to the credit department at TD and the transfer would be expedited. It is now XXXX XXXX, 2015, and XXXX XXXX still does not have the money I owe them. I have called TD bank several times, with no answers to my questions and the only advice, to wait. My credit is dropping as we speak. XXXX actually said that TD bank should have deposited the money into my account, but when I approached them with this idea, they said they did n't have the authority to do that. I am now considering paying off XXXX from another bank account, which I did not want to touch, to avoid getting reported to the credit bureau again, which XXXX said would happen in a week. But I know TD will not be able to cancel the transfer and then XXXX would have to credit me money, once the transfer goes through. I do not know what to do at this point.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/14/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Closing on a mortgage

Complaint: It has taken years to find out how/where to pursue this complaint. 1997 I had this loan server Ocwen. They had not cashed my payments for three months and were attempting foreclosure I had just had XXXX to stop it I filed bankruptcy. Ocwen took me back to court three times during I had receipts that showed payments were never late and their claims were false. I hired an attorney Ocwen refused to speak with my legal representatives. Ocwen blocked 3 Refi attempts by not providing timely docs. I received notice of additional money owed at end of bankruptcy Ocwen had been charging ( Thru 6mo after b/r ) fees that " prepetition payments '' " alt payment '' " partial suspense '' etc I was told these were charges added because of extra paperwork from bankruptcy but continued until I refinanced away from Ocwen. During Refi as docs were being processed Ocwen increased dollars and escrow covered increases to make loan clear. Exigent circumstances. A year later I received an overpayment for same increase sum. Ocwen was rude, unprofessional, harassing, refused to acknowledge communications and I believe Ocwen took additional fees under cover of bankruptcy and subsequent closing process. Ocwen represented the worst in mortgages as they blocked all attempts to discuss my concerns or credibility to their docs.

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 05/23/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OR).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Hello, I have noticed that my len der, Navient, is not applyi ng extra payments I am making to my loan in a way that maximizing my repayment. I followed instructions on the cfpb website with regards to how I wanted my payments to be handled and emailed my instructions to the lender. They shared that they could not set up in advance how to handle extra payments, but rather that each time I paid an extra amount, I would need to wait for the payment to post and then email instruction s ( corresp ondence attached ). I als o called Navient  on  XXXX  to receive additional details that they told me another method would be to send them a check and then send instructions every time I mailed a check. I pay a bit extra every month so this is not a realistic or consumer-friendly policy.     Next, they have an error on their site, they say that you can not add more than the minimum about to you auto payment. It says " Your recurring Auto Pay amount ca n't exceed your monthly payment due at this time, but you can pay more on a one-time basis by selecting Make a Payment in  the navigation menu  and specifying an additional amount for any loan enrolled in Auto Pay. '' However, when I called the lender on  XXXX , they told me that I could pay more than the amount with the autopayment ( ACH ), but that they had to set it up over the phone and that it would " change the terms of my loan. '' When I pushed her on what she meant by change the terms, she said she just meant changing the payment schedule. I asked that she please send me all the details in writing and shared that they are sharing erroneous information on their web portal with their borrowers regarding payment methods.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2017 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This particular account was sold to midland funding The account in question is over seven years old and the collection agency Midland Funding practice illegal credit reporting practice this account was removed by this company days later they put it back on my credit file I have experience the taking off and on at least 3 times I took screen shots for the record of this unfair advantage that they have over the consumer

Company response to consumer: Closed with explanation