milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/26/2017 about Debt collection (Medical debt) with Receivables Management Partners, LLC (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: After reviewing a copy of my credit report, I noticed multiple collections account placed on my credit report from your company IMC Credit Services LLC from 2014.. I am requesting that you let me validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name, and the hospital /medical provider to which I owe the debt and a detailed breakdown of the fees that I allegedly 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 my permission to any of my current or prior medical providers to release my medical to a third party. I am aware that the HIPAA does allow the release of limited information about me but anything more is to only be revealed with patient authorization. Therefor, my request is twofold-validation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and medical charges. Also, please provide proof of identification upon treatment, and my signature with the provider of service to release my information to your company IMC Credit Services LLC. Cease any credit bureau reporting until this debt Is validated by me.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2015 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (NC).
Issue: Loan modification,collection,foreclosure

Complaint: I recently filed a complaint against Nationstar on XXXX/XXXX/15 due to not being able to reach anyone in their customer service department or the department that handles loan remodifications after submitting my documents as requested. I have made over 20 calls to this company and have not had one call returned to me in reference to the status of my loan remodification. The one call I received last week was in reference to the first complaint that I filed and the lady told me the person handling my modification would be calling me and she never did. In addition, they claimed I did n't not submit a signed copy of page XXXX of my tax return which I did and it is included in the initial complaint. Had the lady not called me back in reference to this CFPB complaint I would not have known that alleged additional documentation was needed since no one is calling me or giving me a status of my account because they are not answering their phones. After I put in my ssn # and my zip code the phone rings or it sounds like it is being transferred and the line goes silent. No one picks up. How is this legal? I do believe this company is trying to have me default on my mortgage so they can steal my house. I am trying everything I can but I can not drive from NC to wherever they are to get customer service. I am going to file complaints with every federal bureau I know because right now I think nationstar is a scam. This is all a rouse to dupe people out of me out of my home even when I am trying everything I can to save it. Someone named XXXX XXXX is supposed to be handling my loan. She was also supposed to call. Again, I called XXXX and XXXX the past Friday and today about 10 times and ca n't get someone on the phone. They are supposed to be open from XXXX CT. Please help!!! I am going to contact every federal bureau I know to expose this company for what they are. Again, I have called every number for the last 3 weeks and not once was able to reach a representative. I have made over 20 calls. This is ridiculous!

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I filed a complain against XXXX XXXX in regards to my daughter XXXX account. My contracted had ended and I refused to do a re-contract with them because of their poor business ethics. The closing balance was reporting as oweing {$1300.00} on my credit report. I contact them numerous times in regards to the balance. I was told that after auditing itemize the account it will be corrected. After Auditing was done they end up owing me money. Upon several month there was no changes made. So I then disputed the amount with the Credit Reporting Agencies. So instead of updating the account XXXX XXXX deleted the entire account as if it never existed. I called them XXXX different times as to put it back they keep telling me that is has been taken care of. They keep saying that they did it, its now up to the Credit Agency. I check Transunion this morning it still have not been placed back. Please keep in mind that this has been going on since XXXX 2014. I called today and they told me that they ca n't put it back because I request that it be removed. Why would I do that if it was a paid off account? So I then called to speak to a Supervisor. The XXXX says that its best to have it deleted because it was paid late. This account was not in late status I have proof from the documents I give to the XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-09-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (MT).
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint: I was approved for a balance of {$12000.00} on a Chase Credit Card. I requested a balance transfer of {$12000.00}. I received an email asking if I requested a balance transfer of {$11000.00}. I replied " No '' as this was not the balance I requested. Chase now states that since I replied " No '' the balance transfer was cancelled. I explained to them that I answered their email correctly. I also received a letter from Chase stating " We transferred part of your balance '' and further " Amount we will transfer {$11000.00} ''. We were not contacted by Chase when the cancelled the transfer. Chase now states they can not transfer this amount do to their policies. The failure of chase to provide the service they had promised and approved has resulted in additional costs to us. We want to be compensated for our loss due to their " Bait and Switch '' tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2015 about Consumer Loan (Personal line of credit) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Account terms and changes

Complaint: I closed the account XX/XX/XXXX.why is still showing on my credit report.I want to remove from the credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-08-2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (MN).
Issue: Money was not available when promised

Complaint: I initiated a wire transfer to XXXX on XXXX/XXXX/XXXX for {$5000.00} when XXXX listed their incoming wire transfer services as working properly. I have not been credited the {$5000.00} still. They disabled online help requests since I have initiated the transfer and do not pick up the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2015 about Debt collection (I do not know) with Google Compare Credit Cards Inc. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: called and said he was from google trying to collect {$1400.00} for advertising i never asked for

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Deposits and withdrawals

Complaint: On XXXX XXXX, 2015 i had reserved a vehicle from XXXX XXXX XXXX for a wedding. To reserve the vehicle i had to provide a debt card along with D/L information. I authorized XXXX XXXX XXXX to charge me for the amount of {$200.00} that was for the deposit for booking the vehicles. Next day we noticed XXXX additional charges for {$74.00} and the following day another XXXX additional charges for {$220.00} and another XXXX for {$100.00} on the same day and these charges were NOT authorized or notified of. Since it was a weekend we were unable to get in touch with bank of america because they have certain working hours and are closed on weekends, with no customer service on weekends what so ever. The following Monday we called Bank Of America to dispute the charges made to my account. They told me that they will reverse the charges and do a investigation on the matter. On XXXX XXXX, 2015 we received a report from Bank of America with all the backups and stating that there were no errors in those transactions and rejected our request for the dispute. When reviewing the transactions which we know that we did not authorize any of them. We noticed that the documents submitted by XXXX XXXX XXXX that summarizes the job for the day had a forged signature on the document. We tried to get into contact with Bank of America to notify them that the signatures were forged and that we did not authorize the charges and bank of america insisted that the signatures are ok and that the transactions are true. We again explained to Bank of America that the charges are not true and we did not authorize them. After going back and forth with bank of america for about a week being passed to different representatives we reopened the dispute and sent a rebuttal documents. After a few days of waiting for Bank of America to contact me, i called to get a status on the issue. Bank of america again stated that they will be rejecting the dispute and that there is nothing they can do about the issue. I requested to speak with the investigator that was taking care of my dispute to clarify the errors. Until now XXXX/XXXX/2015 i still have not heard back from bank of america regarding my dispute. On XXXX XXXX, 2015 there were XXXX un-authorized charges for {$220.00}, {$100.00}, and {$100.00}. On XXXX XXXX, 2015 there were XXXX more unauthorized charges for {$74.00} and another {$74.00}. The total amount is {$570.00} that was taken from my account by Bank Of America without my authorization and agreement.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (IN).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: XXXX KEPT CALLING MY CELL NUMBER 'S 3 TIMES AFTER CEASE COMMUNICATION NOTICES. 

3 CAALLS DATED XXXX/XXXX/XXXX 3 COUNTS OF DEBILERATE CALLS TO CELL ( SEE ATTACHED PHONE RECORDS.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (CT).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: XX/XX/XXXX - Applied for PSLF because I started working for a XXXX XXXX and noticed that I now qualify for this as long as I remain at a XXXX  for 10 years ( 120 consecutive payments ) XX/XX/XXXX - spoke with a representative about my options with repayment that was going to come up in XX/XX/XXXX, once my forbearance was over. I was informed that my monthly payment could be roughly {$620.00} a month because of my family size and our income. NOT taking into account of our other obligations, medical expenses because my husband has XXXX XXXX, household expenses ( mortgage / electricity / oil ... etc. ) credit card and other student loan and personal debit XX/XX/XXXX - recertified my income based repayment schedule family of three, found out I was XXXX with XXXX, also help support my parents who are now approaching their XXXX because they help watch my daughter during the day while I am working XX/XX/XXXX - payments began in the amount of {$420.00} a month. This is the lowest that they could have done for payments for our family and income. They did not consider the fact that I have private loans with XXXX and a house and medical life expenses. 

I began making monthly payments since XX/XX/XXXX, trying to break it up into two to three payments within the monthly period. This is nothing but a stressful struggle. I reached out asking if there was anything else that could be done to lower this a little more, but did not get anywhere. 

Tried to consolidate and reduce my monthly payment for the two student loan lenders combined and was denied because of debt to income and the little amount we have available in our savings. 

I have asked numerous times if we could get the payment down to around {$300.00} a month, a little more reasonable living in CT and paying such high taxes, but no one is willing to cooperate with me.

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2016 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have disputed several items on my credit report with Equifax over the past year. Equifax continues to allow items on my credit report, that has not verfied and has not provided verifiable proof of alleged debt, nor did Equifax receive the information from original source. If Equifax would have conducted a proper investigation as per Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ) and605. Requirements relating to information contained in consumer reports XXXX - Equifax would noted that the Bank XXXX XXXX XXXX Account # XXXX is still reporting after 7 years. 
Equifax has not allowed me to dispute nor allowed me to provide any information via there website to prove that XXXX has been paid and XXXX has agreed to remove this account off my credit report. XXXX is also reporting after 7 years. 

I have disputed ALL XXXX judgement requesting that Equifax provide me with verifiable proof of said judgments which they failed to comply as per Section XXXX and Section XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2017 about Debt collection (Private student loan debt) with Navient Solutions, LLC. (OH).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I receive multiple calls from Navient on a daily basis in regards to my student loans. I was told by a lawyer that I can request that they not call or contact me by phone. I made this request to Navient but continued to receive numerous calls each day, when I asked why I was still receiving calls I was told that I did not make my request in writing. In response I sent Navient a cease and desist letter informing them that I do not want to receive any calls. To this day I am still receiving call from Navient on an hourly basis.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MO).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I enrolled in graduate school this past fall, and reached out to all my loan providers to confirm deferment of my monthly payments. After a few phone calls, everything was set. I went through all of the fall semester without issue. I randomly logged into my Navient account this past XXXX to check on my account, and I noticed a payment scheduled for XXXX. Totally clueless, I called them immediately to see what was going on. I was advised more than once ( on separate phone calls ) that the issues was related to the clearinghouse that confirms full-time enrollment. Navient advised that all I needed was to provide them with an enrollment verification, and everything would be fixed. Unfortunately, I was out of the country for part of my winter break, and in conjunction with the holidays, I could not get this to them prior to returning to school on XXXX XXXX. I called Navient again, and was told for the first time that I owed them interest-only payments during in-school deferment. This was the first I had heard of this. I asked for a manager. The manager ( XXXX ) was extremely rude and unhelpful. She told me I was not charged in XXXX by mistake, and was charged in XXXX. I was not charged in XXXX. I received no payment reminder emails during the month. The manager offered zero help in the way of mutually working some plan out. She advised me I could sign up to make 15 straight monthly payments, but having not planned to be making these payments during graduate school, I told her that I did n't know how I could start coming up with that money out of nowhere. Finally, her suggested solution, if you can call it that, was that I just refinance with someone else. I feel like I was misled and disrespected.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2016 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (IL).
Issue: Loan servicing, payments, escrow account

Complaint: I have my mortgage with Ocwen Loan Servicing and have sent them several requests via phone, mail and email inquiring about the fees assessed on my mortgage account. In particular, they are charging me {$20.00} fees sometimes twice a month for " Inspections ''. When I called them they said these are late fees ( but my account is current ). My account is not delinquent and it seems outrageous to me that they would be charging me a fee for something they have no reason to do even though no one has ever come to my home to inspect anything from Ocwen or anywhere else for that matter. I have also asked them to provide me with a breakdown of the fees that total {$1000.00} and I have yet to receive any type of response whatsoever from them. I am asking that someone look into this matter because I am most certain I am not the only Ocwen customer this is happening to. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2017 about Debt collection (I do not know) with National Credit Adjusters, LLC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of 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 XXXX XXXX XXXX. I 've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against XXXX XXXX XXXX in regards to this matter. The FTC also instructed me to complete and theft affidavit through identity theft.gov. Attached is my document. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2016 about Credit card () with BARCLAYS BANK DELAWARE (OH).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I recived a letter from XXXX XXXX XXXX ( Office of the President ) XXXX XXXX, 2016 about an unathorized rebill on my account. In the letter, she refused to help me. She claimed that I could call to have questions answered. I have called repeatedly and have not been assisted. I have tried to leave messages. I have sent her a letter asking for a call. This is a fraudulent rebill.

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 01/22/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: {$260.00} dollars was charged to a debit card by navient, when the card number had never been provided by myself or my wife. We are concerned that a private company is allowed to charge a debit card with no agreement, and without either myself or my wife giving consent to charge a debit card. We have never provided either our debit card number, bank account or consent to charge any account of ours.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Experian continues to report negative data reported on the credit report as of this date the FCRA say that information can not be kept on a credit file for more than 7 years since opening the attached data continues to be kept by Experian as of this date this is a violation of our civil rights Since XXXX XXXX was opened in XX/XX/XXXX which is 16 years and XXXX XXXX which we never had an account with but apparently was opened in XX/XX/XXXX which If we had an account with was never notified and XXXX with was opened in XX/XX/XXXX which was 12 years ago. the XXXX original Case is above document are attached since I am XXXX this is elder abuse

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (NY).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: I have a balance on my XXXX XXXX American Express card of approximately {$10000.00}. I have been late on payment in the past, but not severely late. I now find out that they are charging me 29.9 % interest on my remaining balance. That rate far exceeds the criminal usury rate in New York as provided in XXXX XXXX XXXX XXXX. 

I called XXXX in the hope that they would agree to some reasonable rate of interest until I could pay of the balance. They declined to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Application, originator, mortgage broker

Complaint: I have issues with the transaction of my Mortgage. I attached a formal grievance letter stating the areas of concern regarding the transaction of my mortgage.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation