milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/14/2015 about Credit card () with DISCOVER BANK (TX).
Issue: Payoff process

Complaint: The balance of the credit card was paid off by the wire transfer deposit but the credit company did n't honor the deposit and continued harassing, charging and reporting to the credit bureau as delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2016 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (NC).
Issue: Account opening, closing, or management

Complaint: PayPal Credit keeps using my credit report and credit score from XXXX XXXX, 2016, instead of XXXX XXXX, 2016, XXXX. PayPal refused to secure this recent credit report which reflects a credit score of XXXX with no negatives except credit inquiries. My XXXX Credit File is very good. There were items that did not belong in XXXX, 2016, and has now been deleted and corrected. 
PayPal refuses to secure my most recent credit report. Also employees of PayPal have lied on XXXX stating that XXXX keeps sending in XXXX 2016, when PayPal Credit has not even contacted XXXX for a updated report. 
This is very unfair to me and does not allow me to extend my credit at the point of sale. My history with PayPal Credit is excellent. I never pay interest because I have always paid out my account within 30 days of purchase. 
I do not have " a serous delinquency in your credit file. '' I do not have " high on bank revolving or other revolving accounts in your credit file '' I do not have " the amount past due on accounts in your credit file is too high '' I do not have a credit score XXXX I do not have " serious delinquency. '' I do not have " Porportions of balances to credit limits is too high on bank revolving ... '' I do not have Amount past due on accounts '' There is a problem here that needs to be addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2016 about Student loan (Federal student loan servicing) with Action Financial Services, LLC (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My government student loan went into default I. I voluntarily contacted the collection agency handling and entered into an agreement to repay at {$380.00} per month have not missed a payment at all and they allowed my tax return refund If {$2100.00} to be seized as repayment for the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2016 about Prepaid card (General purpose card) with AMERICAN EXPRESS COMPANY (VA).
Issue: Unauthorized transactions/trans. issues

Complaint: On XXXX/XXXX/16 I noticed charges to my account that were not mine. I promptly contacted Amex XXXX to file the dispute. Amex XXXX determined that the charges were authorized. However, I never made the charges and Amex never notified me of the suspicious charges totaling {$1100.00} all in a matter of hours. When I requested the documentation to show why they made their decision they refused to send me the documents or let me talk to someone who made the decision. After I filed my dispute Amex XXXX then terminated my card and said I violated the user agreement. When I asked what I did they could n't tell me. I have filed a police report and sought the advice of an attorney and he told me to make a complaint here. The money that was on the Amex serve card is my direct deposit money for my financial aid. Now I 'm out the money I borrowed which I will have to pay back and I can not use the money for its intended purpose my education. I have contacted Amex XXXX numerous times and get the run around. I asked them to reopen the investigation and they tell me no. I ask them to contact the business that the purchases were made at and they say no. I contacted via email the business myself explaining the charges were fraud and have not heard from them.

Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2017 about Debt collection (Federal student loan debt) with ECMC Group, Inc. (TX).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint: ECMC has attempted to contact me and collect on a debt that is not owned to them since XXXX XXXX. They have sent letters, called my cell phone, my family members and my place of business. I disputed the claims that ECMC has placed on all 3 of the credit bureaus under the Fair Credit Reporting Act. ECMC sent a letter to me on XXXX XXXX, XXXX that I owed XXXX in student loans and they would be contacting my employer to garnish my wages. 
I am currently under a payment plan to pay my student loan back and do not owe ECMC. I 've never taking out a loan with ECMC nor given them my information. 
I would like for Educational Credit Management Corporation to not contact me or my place of employment anymore.

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 05-02-2017 about Debt collection (Medical debt) with AmeriCollect (MI).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: XXXX   XXXX    {$32000.00} is a work comp bill that is in dispute. Insurance company paid all claims then asked for reimbursement when found out we were in litigation. Claim filed with the state since this is not listed as policy in our health insurance agreement  XXXX   XXXX   XXXX   should be held responsible until if or when we are compensated from our legal litigation and then the insurance company would be paid 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 05-03-2015 about Debt collection (I do not know) with National Credit Adjusters, LLC (HI).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: On XXXX XXXX, 2015 I received an initial letter from National Credit Adjusters claiming that I owe {$1700.00} XXXX. The notice violates the FDCPA section 809

Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Resurgent Capital Services L.P. (SC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I have disputed the validity of debt on some accounts, and I 've disputed numerous erroneous names and addresses listed on my credit report, all of which are affecting my credit score. XXXX XXXX and XXXX have failed to remove the erroneous information or provide to me the proper evidence of the disputed accounts validity that they received from the creditor which caused the agencies to update my reports to show that the debts were validated per FCRA. The accounts in question were reported by LVNV FUNDING, INC. One is for {$390.00} with original creditor listed as XXXX XXXX The other one reported by LVNV FUNDING, INC. is for {$4300.00} with original creditor listed as XXXX XXXX. I never received any form of documentation from the original creditor or LVNV FUNDING, INC. to provide competent evidence bearing my signature showing that I have ( or ever had ) some contractual obligation to pay them. However, for the account with an amount of {$390.00}, I did receive a letter ( over a month after my original dispute was submitted to Credit Bureaus ) with an account summary report from XXXX XXXX to XXXX XXXX, in my maiden name of XXXX XXXX, which I have not gone by in almost XXXX  years, but the summary report is not proper documentation proving the debt is valid and is also not competent evidence bearing my signature showing that I have ( or ever had ) some contractual obligation to pay them. This letter and statement are attached. I have never had a signed contract, or any type of contract with LVNV FUNDING, INC. I have never done business with LVNV FUNDING, INC.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: This item is for XXXX XXXX Hospital. I received services at this facility in XXXX. The services were billed to both of my health insurance companies, XXXX XXXX XXXX for payment. After payment from both insurance companies, the remaining balance was supposed to be adjusted off due to contractual obligations between the hospital & my insurance company. The balance was not adjusted but instead turned over to XXXX. I contacted the hospital again & the balance was adjusted off. The hospital in turn contacted XXXX XXXX to inform of the billing error & also advise that the account was incorrectly submitted for collections. XXXX then contacted Equifax on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, & XXXX/XXXX/XXXX electronically to request for the item to be deleted. I was informed on XXXX/XXXX/XXXX to allow 60 more days for the item to be deleted. I contacted Equifax last week & was informed that the medical bills is still reporting & to contact XXXX XXXX. I reached out to XXXX & they indicated that show the account as reported to Equifax to delete. I called Equifax today & was informed that they do n't know when it will be removed from my report. I keep getting the run around from Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/16/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: i sent a removal of credit inquiries to all XXXX credit report company 's on XXXX/XXXX/16 and i was advised that they could not remove the inquires.

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 02/15/2017 about Mortgage (Conventional fixed mortgage) with FIFTH THIRD FINANCIAL CORPORATION (MI).
Issue: Loan modification,collection,foreclosure

Complaint: Sequence of events : 1. ) In XXXX - XXXX of XXXX, while negotiating with Fifth Third Bank our lending institution, to expand our line of credit, which was coming due in XXXX - XXXX, XXXX, they changed our loan officer from a woman, to a man XXXX, who I believe, is XXXX, ( this will become apparent as we go on ) & has caused the destruction of my business. ( He 's since been moved up the ladder. ) Following that meeting we were moved to loan workout for no apparent reason, we never missed a payment were late & broke no covenants, however soon after we were informed of a ratio covenant deficiency we believe was caused by them. In XXXX of XXXX, when credit facility ended, instead of offering extension, we were forced to sign a forbearance which said we admitted default, though there was none, but we had no choice, or declare bankruptcy, nor could we find an attorney willing to defend us. 
Several other incidents took place forced by them including, bouncing checks, causing loss of our best supplier, further eroding our supplier base. We were then forced out of the bank to to an Asset Based Lender, who could not do real estate, our mortgage loans remained with Fifth Third, with the proviso that as soon as possible we 'd get them refinanced elsewhere, which became impossible due to our losses & the hard line forced by Fifth Third. 
In early XXXX, they began to further harass, & seek to foreclose, even though no payments were missed or late, again with the default complaint as the basis. We then hired an attorney who filed a motion in court to block their attempt, which held up until, XXXX of XXXX, & we were forced to file Chapter XXXX for the entities owning the properties, to protect from foreclosure which is where we stand today, with little less than 10 days to go, they have been relentless, ruthless & I believe XXXX in their pursuit, why else? 
Summation : We have not caused the bank to lose any money, they were paid out. 
For a covenant violation, they 're entitled to ; basically confiscate our properties & end all chances of our staying alive?? 
Continue to cause additional losses to XXXX & XXXX by litigation expenses, theirs & ours?? ( upwards of ( {$100000.00} ) As of XX/XX/XXXX They can always foreclose if we stop paying, they are the first lien holders!! 
Why they want our properties, which are appraised for far more than the balances. 
XXXX of the properties, is backed by the XXXX which generally does NOT allow foreclosure if paid regularly & on time. 
SO WHY? There has to be some sinister reason for this action, there is no downside for them, why not allow us to maintain status quo?????

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: I created an account with Transunion in order to obtain a free copy of my credit report as advertised. I was charged {$25.00} and automatically enrolled in a monthly subscription. There is no way I could have reasonably avoided these charges and this information is not displayed or explained at all before you submit your information. This is clearly a UDAAP violation. I called them and a representative stated I should have called and inquired before the charges ran on my card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/30/2015 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have an account on my Equifax report that has been deleted from both other creditagencies. The account has past the statute of limitation and should not still be actively reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/26/2017 about Debt collection (Other debt) with Aargon Agency, Inc. (OH).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: The first week of  XXXX   XXXX  I received an alert from all three credit bureaus th at Aargon Debt  Collection placed a delinquent debt on my credit report. I called  Aaron Collection a gency after finding this debt on my credit report. I spoke to  XXXX   XXXX , who treated me very poorly and told me to just pay the debt. I was unaware i had a final balance with  XXXX  Ohio from over four years ago.      XXXX  said his office mailed a letter in  XXXX  but the address was NOT mine, and I never received any validation notice. After speaking to  XXXX  who was so rude and was degrading me I told him to please send me the evidence of the debt. I gave him my current address and phone number to send me the validation letter.     Today  XXXX   XXXX  fifteen days later I still have not received any validation letter or evidence I owe the debt. In fact, with  XXXX  ' permission I recorded the phone call today with him and he told me who cares about the FDCPA and the law I still owe the debt and I need to pay it for them to remove it from my  XXXX  credit files. I told him without receiving a validation letter, ( which should have been sent to me within 5 days ) and the fact that they threw it on my credit report without ever contacting me about the debt to give me time to respond or dispute the debt my rights were violated. ( Where I have 30 days to dispute the debt ) I had no opportunity to make good of a debt if I owe it before its placed on my credit report and harmin g my credit score.       XXXX   XXXX  said he is th e Executive Director and t old me he didnt care what the laws were to protect consumers and that I am just trying to not pay a debt.     I am not paying on something or giving a company money without written documentation or evidence that I even Owe the debt. The alleged debt is from ove r four years  ago and the collection agency is also reporting it as if I just occured the debt in  XXXX   XXXX  not  XXXX   XXXX . That is ... If this debt is even valid a s I N EVER received any written documentation from them. It was me that contacted them after they already put it on my credit reports.

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 09/23/2015 about Debt collection (Medical) with Nationwide Credit Corporation (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Nationwide Credit Corporation is reporting, to XXXX and maybe other credit reporting agencies, individual visit dates of service from a doctor 's office as individual " accounts '' based on account numbers generated by them. I do not have anything from the doctor 's office identifying the account numbers they are reporting. I have the bill from the doctor 's office showing my single account # of XXXX with charges by dates. I have XXXX " accounts '' /entries being reported to XXXX by NCC for this XXXX individual account I had with the XXXX of XXXX XXXX . None of the XXXX entities, XXXX, NCC or the XXXX/XXXX will take ownership of consolidating the charges for the XXXX single individual " account '' I had with XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2017 about Mortgage (Conventional home mortgage) with Dovenmuehle Mortgage, Inc. (GA).
Issue: Trouble during payment process

Complaint: I received a bill from XXXX County for my property tax XX/XX/XXXX ( which consists of 2 installments ) on XX/XX/XXXX and immediately sent a copy to my mortgage company, Dovenmuehle. This was done by email, to the same address I had sent all previous documentation to. 

I never received a confirmation that the tax was paid, which unfortunately has been common practice, but I assumed everything was taken care of. 

Fast forward toXX/XX/XXXX I receive a Notice of unpaid taxes - Intention to issue FIFA letter from XXXX County. Again, I send another email to Dovenmuehle immediately advising them to pay the due tax and the late fee at once. My husband then called on XX/XX/XXXX in order to make sure the issue was being addressed. The representative told him they never received the email ( which is a lie ) and to send it again, to the same email address (! ). The email with the attached late bill was sent again that same day. 

I decided to call the County every few days to confirm if the bill had gotten paid. After about 10 days of nothing, on XX/XX/XXXX, my husband calls the original mortgage company ( XXXX XXXX XXXX XXXX ), who then starts a 3-way call with Dovenmuehle. Once again the representative from Dovenmuehle tells him the issue is being taken care of, a check will be issued to the County and the late fee will be paid either by XXXX or Dovenmuehle. 

On XX/XX/XXXX I call Dovenmuehle to make sure the check has been issued and to ask what the tracking number for it is, so I can let the County know. I am told that the check was sent on XX/XX/XXXX and given the number of the check. I let the County know and I am advised to keep calling and not let this bill go unpaid ( obviously ). 

OnXX/XX/XXXX( today ) I call the County yet again to find out the bill still hasnt been paid. Since I dont want to ruin our credit and obviously cant trust Dovenmuehle to take care of things using our escrow account, my husband and I went to the County office and paid the bill plus the late fees in person. 

Dovenmuehle needs to be held accountable for their negligence by paying a penalty and refund us the original tax bill AND fees. We also want confirmation of EACH and EVERY payment paid out from our escrow account. This is someones life you are messing with!!

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with WELLS FARGO & COMPANY (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: XX/XX/2015, I unknowingly cashed a fraudulent check that was sent to me at my college campus. I was n't too concerned because I work in the office of donations to my school and see checks sent to the school, departments, and even students all the time. I have great relationships with the staff and faculty at my school and am an excellent student. So I assumed that one of the many faculty/staff members that know me was able to procure a donation for my financial aid. A week after I cashed the check, Wells Fargo called me, informed me that it was fraudulent, said I owed them {$2400.00} and said goodbye. Since then, they have sent mail to me via my school address and reported the incident to the collections agency which prevented me from getting any loans for this year. I also was not able to get an apartment for my last year of college which was something I desperately wanted. I personally feel that a giant financial corporation such as Wells Fargo should not be taking advantage of a college student that figured the bank she had been with for three years would look out for her. But instead, Wells Fargo has made my life XXXX when they could blow their noses with {$2400.00} yet they want to force me to pay it back and if I do n't, my life will never progress the way it should.

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 02/25/2016 about Mortgage (FHA mortgage) with M&T BANK CORPORATION (MD).
Issue: Loan modification,collection,foreclosure

Complaint: M & T Bank has consistently been harassing me for the last 4 months. They call and agressively indicate that i have no choice but to provide my information when I 've clearly inidcated I am who I am. The first 3 months they called almost 4 times daily. I was delinquent in my mortgage due to a documented illness and out of work for 6 months. They offered me a forbearance despite knowing that I was unemployed and that my STD benefits were often delayed due to a delay in my medical provider provided the necessary documentation. Once the forbearance went into effect, they abruptly cancelled it when I returned to work and without notification. When I indicated that the constant calling would not immediately resolve the issue they began calling more. Then I paid them over {$3600.00} and they still failed a foreclosure notice for the remaining {$2600.00} because I failed to continue to take their harassing calls. This situation is impacting my health and the ability to continue to get well because they refuse to deal with professionally, and did not empathize or offer a amicable temporary solution when they were well aware of my medical and finance situation. I want M & T to cease harassing me, threatening to foreclose on my property even after they have been paid and ask that my mortgage been sold to another more professional financial institute.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (NC).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: Barclays bank delaware. 
Fraudulent charges made on visa.

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