milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-01-2017 about Debt collection (Medical debt) with Optima Recovery Services LLC. (AL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On XXXX the XXXX XXXX I sent a debt validation letter to the collection agency to get a debt validated that is correctly showing up on my XXXX and XXXX credit report. I disputed because I dont believe the debt is mine. On XXXX XXXX, XXXX I received a letter in the mail stating that they didnt have enough information to validate this debt is mine and they sent me a bill for a XXXX dollars with a stamp that says this is an attempt to collect debt which they did not verify but sending a bill I sent a copy of my driver license to prove who I am. By law I thought if they couldnt validate then it must be removed. I am very upset because this is ruining my credit worthiness.

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 04/25/2016 about Debt collection (Credit card) with JH Portfolio Debt Equities, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Attn : JH Portfolio : I am a victim of ID theft, my identity and account information was stolen and used fraudulently to obtain new accounts and incur fraudulent charges on open accounts by someone I suspected. In correspondence dated XX/XX/2016 I reported this matter to the Federal Trade Commission and the Police Department, both of who declared me a victim of ID theft. I forwarded my ID theft packet to your company, under FCRA 605B ( 15 U.S.C. 1681c-2 ), which states that you are to delete the fraudulent account from my credit report and give up all collection activity. Your company not only failed to do this, but also verified the debt as a valid debt when the credit bureaus contacted you to verify validity of the debt. This is a blatant violation of my rights FCRA. Additionally, the only response to the ID Theft report that I had sent your company was sent to me by your assignee XXXX XXXX XXXX, who perplexingly claimed that I needed to send them more information, and perplexingly they asked for the police report again

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 03-07-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Gatestone & Co. International Inc. (AZ).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: One day when I first got out of jail for XXXX I was start to pay the fine of it was only XXXX dollars and half through paying it off and one day I went in to the court to pay and the lady told me I 'm done there is a XXXX balance now and I 'm done paying the whole thing that everything was done .Later on I caught another charge and I was starting to pay it off and they told me that they brought up this old charge and and said I have to contact them immediately so I did and now I have to pay more money now it 's up to 2000 dollars and that 's money I now do not have they keep harassing me and I do n't have that kind of money they wo n't stop Harrissing me and I can not pay them the money now.

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 08-09-2017 about Student loan (Federal student loan servicing) with NELNET, INC. (PA).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: My loans were originally around {$80.00} thousand. After working with Nelnet the past few years my loans have increased to {$95.00} thousand. I have been in a deferment status for most of the year while they were " processing '' the annual evaluation of my income based repayment plan, this took nearly 5 months. I 've been with the same emplyer since XXXX 2015. My salary only increases around XXXX dollar every year. My first year with Nelnet my monthly payment was under {$300.00}. The next year my payment was close to {$500.00}. I was also contacted by XXXX XXXX aka XXXX who offered to help get my payment down to under {$200.00}, they warned me that there was a federal lawsuit against Nelnet 's parent company XXXX and that I should no longer keep them as my provider. XXXX offered to get me a new loan servicer for a monthly fee of {$40.00}, and received a letter 3 months later from Nelnet that {$2.00} thousand would be added to my loan and that they were still my provider. This never ending process of adding interest to my loan seems unethical and legal. I 've been wanting to contact a lawyer to dig deeper, but feel insecure that I might not have that correct understanding of how the system works. At this rate I will pay my student loan well into my grave, which will then probably acquire interest in the afterlife as well.

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2015 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I made a timely payment to XXXX Bank for my XXXX credit card payment beginning with XXXX. Due to an error on their end it was not processed and incorrectly reported to all credit bureaus. XXXX Bank agreed to notify all XXXX credit bureaus to remove the late reporting on my credit report and issued a letter on XXXX XXXX, 2015. I notified Experian on XXXX XXXX, 2015 and on XXXX XXXX, 2015 to remove this incorrect information from my report. I also called them and uploaded the letters from XXXX Bank on their website. Despite numerous requests they have not removed this information from my credit report. The other XXXX agencies XXXX and XXXX have removed this information as of XXXX weeks ago. These actions by Experian are in violation of the credit laws established as they have not adhered to the XXXX or XXXX day deadline from my XXXX/XXXX/15 notice. Please have them correct this immediately. 

XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-11-2017 about Debt collection (I do not know) with CAINE & WEINER COMPANY, INC. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This is reporting on my credit bureau file with XXXX and I need it removed immediately. I do not have a contract with this company nor have I ever had a contract with this company. Under the FCRA this company has to validate ( provide proof of my contract with them to the credit bureaus ) which they have not complied with.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Debt Recovery Solutions, LLC (OH).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: Last summer sometime aroundXX/XX/XXXX I began monitoring my credit reort and disputing accounts that were n't mine due to my identity being compromised/stolen and having no knowledge of the accounts on my report. 
I disputed the accounts with XXXX and the disputed accounts were XXXX XXXX XXXX for {$260.00} and {$200.00}. Debt Recovery Solutions for double charges {$500.00}, {$500.00}, {$340.00}, {$340.00}, {$180.00}, {$180.00}. XXXX XXXX XXXX for {$140.00}, {$130.00}, {$15.00}. XXXX XXXX for {$65.00}, {$65.00}. XXXX XXXX {$68.00}, {$68.00}. 
It took me a while to notice due to just having a baby XXXX XXXX and not checking my report for a while but inXX/XX/XXXX I noticed these accounts were reinserted onto my credit reports without any documentation supporting accuracy for re-inserting the negative credit items or any notifications from the creditors nor the bereau but I have letters published on the dispute website from XXXX that these accounts were deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2015 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Account opening, closing, or management

Complaint: I applied for a job with Bank of America in XX/XX/XXXX and was asked to complete a background check prior to the company making an offer. I agreed to the background check and was notified after approximately 3 days that Bank of America would not be moving forward with me as a candidate due to the results of the initial background check. I contacted the companies listed in the disclosure provided by Bank of America and both companies indicated that they had not received a request for a background check for me from B of A. I have contacted the recruiter and the corporate security department on four separate occasions by email ( 3 times ) and by phone requesting either : 1. a copy of the background check results or 2. The name of the organization to contact regarding the background check results. It has been approximately 4 weeks since I agreed to the background check and I have been unable to obtain a response from B of A. I would like to have a copy of the report on which they based their decision so that I can dispute any erroneous information if appropriate.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (CA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: Despite paying off my balance in ful l, Macy 's  has charged a {$2.00} " minimum interest fee '' to my account every single month. In  XXXX , I got fed up and initiated a complaint with a  Macy 's repres entative,  XXXX . Within that communication,  XXXX  confirms that I paid my balance in full and that he will close my account, which he subsequently did. Despite that, on my next statement in  XXXX   ( after my account had already been paid in full and closed down ), I was char ged another {$2.00} fee. This is incredibly frustrating, and quite frankly dishonest, to keep charging interest on customers who have already paid off their balance, especially since it was confirmed by the issuing company. I doubt that I am the only  one imp acted by this and I encourage others to submit complaints as well.

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 03/15/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I was on the Income-based repayment plan before I started XXXX school. When I started XXXX school, my loans went into in-school status. At the same time, it was time for me to reapply for the payment plan I was on. I 'm a XXXX employee XXXX, and I was also trying to work on the XXXX Forgiveness program. Fedloan told me that in order for my payments to count, my loans would have to be taken off deferment. My loan status of in-school also denied me from getting reapproved to have the payment I was on. They told me I had to wait for a form to come in the mail when in fact it could have been sent electronically. I filled out the form after waiting for two months. Come XXXX 2015 after my loan status was fixed, I reapplied for a reduced payment plan. That took 3 months to get resolved after talking with several general customer service reps and XXXX supervisors. Because I was waiting for them to change my payment plan, my loan payments returned to the normal rate of XXXX dollars per month. I ca n't afford that. After some time, my loans went into delinquency because I was waiting on Fedloan to change my payment plan. It was only two days after my due date that I called and got my account put a forbearance put on it. After speaking with a specialist, I finally managed to get on the payment plan I wanted. However, because of my loans going into delinquency, I owed XXXX dollars. I am currently working with the specialist I have been in contact with to get this resolved. 

In short, the problems I have with Fedloan deal not only with customer service issues, but with inefficient business practices. They are incompetent and almost not worth dealing with, even though I want to participate in the XXXX XXXX Forgiveness program.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/20/2017 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (TX).
Issue: Other transaction issues

Complaint: I have contacted and spoken with multiple PayPal representatives via telephone and am growing very frustrated with the lack of resolution. 

On XXXX, I submitted a 'send money ' request to my friend 's email address for $ XXXX. I immediately cancelled this request and submitted for a refund. However, the $ XXXX was already pulled from my bank account. I then submitted another send request to her phone number. This request went through successfully. However, $ XXXX was then again pulled from my bank account. 
Knowing they pulled it twice, I submitted for a refund and was informed it would take about 5 days to be credited. 5 days went by and I have not received the money. 
In summary, PayPal has pulled XXXX $ XXXX transactions from my XXXX bank account. When I called PayPal, a rep named XXXX, assured me that $ XXXX was refunded to my XXXX XXXX. She was so confident it was refunded that she emailed me confirmation that it was sent to my XXXX XXXX. However, my credit card company denies this claim. I have attached her email. I then decided to talk with XXXX supervisor because it became clear she was not giving me accurate information. He assured me that instead of being refunded to my XXXX XXXX, that it would only attempt to pull from my bank account once more and then cease. So he assured me the pending $ XXXX transaction would fall off and in essence, my bank would credit the {$1.00} back to my bank account. Well, the $ XXXX withdrawal went through. So again, PayPal has pulled $ XXXX yet refuses to refund the $ XXXX. They have stolen $ XXXX. 

They continue to give me the run around, and I did n't know what proper channels I could complain in an effort to get my money back. This is ridiculous that I ca n't get a straight answer about where my $ XXXX is. My friend suggested the CFPB could help. I am hoping you can help me as I really need that money. I can answer any questions you may have.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Midwest Acceptance Corp. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Today XX/XX/2017 i received an alert through XXXX XXXX that XXXX XXXX made a hard inquiry on my credit. It reflects on all the three credit reporting agencies as there has been a drop of about 123 points in one of the scores. I wish to state that i did not authorize the inquiry and therefore its fraud. Their contact is XXXX XXXX XXXX XXXX XXXX missouri XXXX XXXX XXXX Kindly please investigate this urgently XXXX XXXX XXXX last four of ssn XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2015 about Credit reporting () with Experian Information Solutions Inc. (AL).
Issue: Improper use of my credit report
Sub-issue: Report shared with employer w/o consent

Complaint: I have several unauthorized credit inquiries on my credit report to companies in which I have not applied. I have attached the documents that i have mailed and faxed to the alleged creditor requesting that they remove the unauthorized credit inquiry from my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2017 about Debt collection (Medical) with Jon Barry and Associates, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I went into XXXX for a XXXX because I had a XXXX that required a prescription medication. I sat in the waiting room for over 4 hrs. Once I was called to see the doctor and told them specifically what I needed done they told me they could n't service me for that situation and that I would need to go to another location to be seen. I told them what I needed was only a prescription for the issue and to be seen to make sure that that is the issue because I was told by the pharmacist that in order to get that particular medicine I would have to be seen by a doctor. The doctor then told me that they would just write up a prescription for me without seeing me ( which is illegal ) and then I left. Now they are charging me XXXX for a hospital visit where I was never seen and given medicine that did n't even help the situation in which I originally went in for. I shouldnt be charged for services I did n't ask for such as an urinalysis and emergency room visit when I went in for a pap smear that couldnt be done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: 2015. I didnt physically sign any documents with this company to grant me credit

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 03-02-2017 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I do not know of this collection.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Green Tree Servicing LLC took over my mortgage in XXXX, XXXX, from XXXX. Since then, I was charged monthly " payment '' fees of {$12.00} per payment, and there were several payments made automatically out of my banking account without my direct authorization for those payments, resulting in overdraft fees, in some cases. There were also a few payments made where I questioned the proper application of payment credit towards the principal amount vs. interest. Upon inquiring about these discrepancies to their customer service, they said they would " get back '' to me when they have completed their review, but they never responded back. 
For the record, I have been under extreme financial stress throughout this period of time with Green Tree and I was late on payments at times. Green Tree collection representatives would repeatedly call me at all hours of the day and evening, with high pressure and often " contentious '' dialogue, to compel me to make a payment, forcing me at times to make a payment without having funds immediately available in my bank account, but they did not care, even after telling them that funds would not be available, and they still processed the payments, resulting in further overdraft fees. 
From XXXX XXXX until about XXXX XXXX, I went thru this horrible experience with Green Tree. Ditech Mortgage has since taken over my mortgage account, so far, seems to be more pleasant to deal with but I am still upset with what I went thru with Green Tree. I recently heard about a settlement the CFPB had with Green Tree and I would like to be included in that collective group of customers harmed by this company. Thank you. XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (OH).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: I opened an account on XX/XX/XXXX and was promised a {$250.00} bonus. I did the requirements and never received the bonus even though they said I would receive it. I emailed them multiple times and they just say " We 're escalating the situation. '' But nothing has happened. <P/><P/>Here are some of the messages : Subject : Re : Account questions or requests ( XXXX ) From : Customer Service Received Date : XX/XX/2017 Timestamp : XXXX Contact Us Dear XXXX XXXX : Thank you for replying to our recent email. My name is XXXX, and it is my pleasure to assist you today. <P/>I received your email regarding the {$250.00} promotion bonus offer. I certainly understand how important it is to have this information and I am happy to assist. <P/>XXXX XXXX, since the requirements and guidelines have been met to receive the promotional credit to your primary Wells Fargo account, the promotion bonus will post to your account within 45 days after requirements have been met. <P/>If you have additional questions or concerns, please respond to this email by clicking on the " Reply '' button or call us anytime at XXXX. <P/>On behalf of Wells Fargo, thank you for your business. We are happy to have you as our customer and appreciate the opportunity to assist you today. <P/>Sincerely, XXXX XXXX. Wells Fargo

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 monetary relief
Consumer complaint received 02-01-2018 about Checking or savings account (Checking account) with BB&T CORPORATION (VA).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: I used BB & Ts online bill pay to pay my mortgage and was told after the fact that they would send a paper check. In a nutshell my mortgage company said they never received the check and I had to make my payment online directly with them but was advised to put a stop payment on the check first. I called my bank and asked the bank manager to put a stop payment on it and was informed I had to pay the {$30.00} stop payment fee. Since this was not my fault I feel I should not have to pay it. I will enclose a copy of my online transaction proving I attempted to make the payment on theXX/XX/XXXX. Since the bank issued the check they should have to waive the {$30.00} stop payment fee since I wasn't the one to lose the check - either they did or XXXX XXXX  did.

Company response to consumer: Closed with explanation