milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/26/2016 about Debt collection (Medical) with Capio Partners, LLC (AZ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This is a complaint from XXXX XXXX against Capio Partners for Capio Parnters 's failure to provide requested information for the debt alleged. On XXXX XXXX, 2016, consumer, XXXX XXXX, received a demand letter from creditor, Capio Partners. On XXXX XXXX, 2016, consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. 
It has been over a month since this request, and we have received no response. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of XXXX XXXX, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-06-2016 about Debt collection (Medical) with Penn Credit Corporation (AR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The collector is harrassing me over a debt that is not mine, although I did recieve services from XXXX they did not send the bill to my insurance company within the alloted time frame and now are after me for collections.I have had the same employer for 17 years and before this dispute my insurance had paid for their services 4 times prior to this.I have a name of the person at XXXX who did not file the claim right.I contacted my insurance carrier and they said that they were never billed for the services at quest diagnostics on this occasion.I have tried numerous times to explain to these people but they will not listen to me, I even went as far as getting a rep from XXXX XXXX XXXX XXXX talk to quest and informed them that the statue of limitations ran out on their bill so because of XXXX diagnostics mistake they have messed my credit up and have really cost me as far as loans go, is there legal action that I can take against the collector? 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 06/27/2017 about Checking or savings account (Checking account) with BANK OF HAWAII CORPORATION (HI).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: There is some hidden fees that I was not aware of. Instead of rejecting invalid and unexpected transactions, bank has processed and charged me for those transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I completed a income driven repayment plan back in 2015. 
A month or so later I received a bill for my loans. I contacted Navient and the rep told me that one of my loans did n't " catch '' in time before I completed my repayment plan. He told me that he would go back and redo it and that things would be taken care of. I am still getting bills for " unpaid fees '' even though my repayment plan is {$0.00}. I spoke with a rep recently and she said that there was nothing in the account noting that and that it was my fault I filled out the application late.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2016 about Bank account or service (Other bank product/service) with KEYCORP (OH).
Issue: Deposits and withdrawals

Complaint: I do n't understand why each time I use the drive-thru service, the waiting time is greater than 20 minutes and longer. This happens even if I am the only one in line or not. I witnessed so many vehicles leave after waiting so long. Customer services is so poor. I push the button for service and have been told the line inside is too long and I have to wait. The wait is too long. Please help the customers in the drive-thru line with this on-going problem. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (AZ).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, AZ XXXXTo whom it may concern, I bought my home in XXXX XXXX for {$260000.00} and put {$26000.00} down on it, with another XXXX cash put into home in upgrades. At the time I was salaried at 42k a year + OT. 
In XXXX of XXXX the company I worked for re-structured and I was let go along with many others. Little did I know that at the same time this happened the economy crashed. It was impossible to get hired again in my occupation as XXXX. While I was able to get a loan modification, it did not reduce the principle on the loan leaving me upside down on the note. Owing XXXX on a home worth around XXXX plus a XXXX mortgage of XXXX.I have stayed in my home determined to keep it regardless but got behind by XXXX payments back in XXXX. Since XXXX XXXX I have been in the same very stable position, but have not made enough to handle all the late fees from back payments. My mortgage is now XXXX of my take home pay and has made it difficult to make ends meet. Now another hardship of a family emergency with a parent that needed me. This has left me more than 3 months behind. I applied for a loan modification back in XXXX and was turned down by OCWEN. They said I did not make enough money. I applied for another loan modification with them, this time my mother paid my health insurance. OCWEN then said that I made too much money and did not need another modification. They said that they were a loan servicer and that they did not have the means to do a principle reduction. In short, I stayed in a home that has been underwater for most of the years that I have owned, put a lot of money into it. Loved my neighbors like family but am not able to get caught up on my payments and am sorely in need of a principle reduction /loan modification. 
Please let me know if there is anything you can do to help me. 

Most Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2016 about Payday loan () with Harpeth Financial Services, LLC (TN).
Issue: Charged fees or interest I didn't expect

Complaint: I had to get a payday loan and got it from Advance Financial. I was n't told about the high interest rates and they claim they do line of credit but when I ask about it they said I did n't qualify. The amount kept getting higher and higher until it was out of control. Every month I get a email from them and they have tried to access my old bank account and stating they will do it again next month.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 01/23/2017 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There are multiple entries on my credit report file that belong to my father, whom shares the same name with me. I would like the issue resolved as soon as possible, as to amend this situation. The incorrect entries are the following in the document attached : Reference Number : XXXX Reference Number : XXXX Case/Docket # XXXX I have never filed for bankruptcy, nor approved of any filing of bankruptcy on my behalf. Furthermore, the lease taken out for occupation at XXXX was not, and could not have been done on my behalf at the time as I did n't have a credit score or history ath the time of the lease. Again, as my father and I share the same name, it appears there was a clerical error in entering it on both of our credit histories.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2015 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Billing disputes

Complaint: I am having trouble with American Express investigating fraudulent activeity on my card as well as paying {$2100.00} when not authorized to do so. 
Every 60 days they remove the dispute without resolve andthen charge me {$27.00} for being late when I have paid all lineitem charges in full each month that are not in dispute. I am an attorney and careful about following the law. It is in legal, but nothing is being done, so every sixty days I come backhere and complain again. The account has been in disputesince XXXX 2013 with no resolve -- and because theydeem the account late every sixty days, when it is reallyin dispute they remove my rewards points earned and I haveto spend hours trying to get them just to comply with the law, not to mention reconciling the account. Please read theattached letter.

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2015 about Debt collection (Credit card) with CITIBANK, N.A. (NY).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: After contacting Citibank, when XXXX XXXX XXXX would n't allow me to make payment arrangements, they contacted me and told me to contact them. Citibank gave me XXXX wrong contact number. Citibank gave me the following number XXXX, which is the XXXX XXXX service desk. I XXXX number XXXX, called them XXXX, and was forwarded to a machine to leave my name and contact number. I did that, the first contact was XX/XX/2015, the last contact being XX/XX/2015, and no one has returned both calls.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Resurgent Capital Services L.P. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: LVNV Funding LLC has listed as an {$460.00} collection on to my credit report. I have sent a certified letter to the collection agency, asking them to provide me with my signature, proving that the debt belongs to me, or to delete this reporting from my credit report.
They failed to do that, sending me the letter on   XXXX   XXXX   2017, without my signature, saying that they will resume the collection activity. I believe that they have violated FDCPA Section 809 ( b ) FTC opinion letter Cass from  XXXX .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/20/2017 about Checking or savings account (Other banking product or service) with UNITED SERVICES AUTOMOBILE ASSOCIATION (OH).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: USAA Says someone opened an account using my information. They accepted the fraud claim, and all liabilities have been lifted. However I since no fault of my own, am unable to open an account there.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2015 about Debt collection (I do not know) with ERC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX  is reporting incorrect information to my credit report that is adverse. I tried contacting  XXXX  without success. I filed a complaint to the BBB and  XXXX  refuses to remove the information reporting to my credit report. They according to different departments said when I moved they canceled my service and charged an early termination fee that got paid and should not of. When we moved our services with  XXXX  the fiber optic line was damaged d own the road an d they had to splice the line. Since we have had terrible service and resided to cancel service due to lack of a clear picture on tv.  <P/> In our last place the picture was clear and believe the problem was in the repair. We had to spend the entire day waiting for  XXXX  to fix the problem. We could not leave or the tech would not complete the install.  XXXX  has there billing all incorrect and spending time on the phone for hours we figured it out. Each department will not communicate with each other to help resolve this. So in the mean time I am stuck with adverse information that is not correct and should not be on my credit report. I am stuck getting higher rates on loans because of  XXXX  mistake.  <P/> There address provided is  XXXX   XXXX   XXXX  NY  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 06/13/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (NY).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: On The ending of XX/XX/XXXX I tried to withdraw money from my Discover credit card account, I did withdrew {$500.00} but I was unable to withdraw more cash. So I mailed out three proof of identification for them to have proof that I was the one who was trying to withdraw cash, so then my account was under review. Til yesterday afternoon when I made a phone call to discover card, they closed my account without letting me know ahead of time! I want You guys to take action to reopen my credit card account please, it 's so stupid of them to close my account for stupid reasons and I feel that it 's not right and not fair! I want this action taken immediately

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2017 about Credit reporting () with Experian Information Solutions Inc. (NV).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filling this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and connot verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified, '' that i have disputed. Please resolve this manner as soon as possible. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with LEXISNEXIS (PA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: In XXXX a Bankruptcy was file and dismissed under my name. 

The Bankruptcy is being reported / re verified, reported incorrectly, to XXXX by XXXX XXXX, in violation of Federal Regulations.

I.E. Fair Credit Reporting Act Sec. 1681C, mentions nothing in in this act on the disposition of dismissals or filings, the law clearly states from " Date of Adjudication '' or " Order of Relief '', in the event of a " Dismissal '' there is n't an " Order of Relief or " Adjudication ''. 

or 1681 ( a ) 5 of the FCRA, for more detailed information. 

Therefore, XXXX XXXX is in violation of selling/reverifying public records to XXXX, knowing they are in violation of Federal Regulations and XXXX is aware of this and still refuses to remove said, Bankruptcy Reporting action, from my report, both companies need to be held accountable for knowingly violating Federal Law. 

So, all the reinvestgations have proven to be a farce and have n't held XXXX XXXX or XXXX to the letter of Federal Regulations

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2016 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (NY).
Issue: Application, originator, mortgage broker

Complaint: On XXXX XXXX, 2016 XXXX XXXX XXXX, XXXX, submitted a loan modification application to Citi Mortgage on behalf of XXXX XXXX XXXX. We received a missing document letter from attorney XXXX XXXX, of XXXX XXXX, attorney 's for Citi Mortgage, dated XXXX/XXXX/16 and another XXXX on XXXX/XXXX/16. Each time we immediately submitted the documents requested to bank 's attorney. 
On XXXX/XXXX/16 an email from attorney XXXX XXXX stated that the loss mit review had been completed and the file had been sent to underwriting. It sated that it would take another 2 weeks to complete underwriting review. 
No new update past 2 week review period. 
On XXXX/XXXX/16 a new email was received from attorney XXXX XXXX, which stated that the review was not yet complete. 
Then on XXXX/XXXX/16 a new email from attorney XXXX stated that she would follow up with her client for an update. 
It has been forty seven ( 47 ) days since the file was sent to underwriting and we still have not gotten a decision on the loan modification.

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 10/27/2016 about Bank account or service (Savings account) with WELLS FARGO & COMPANY (GA).
Issue: Deposits and withdrawals

Complaint: I made a large deposit on XXXX/XXXX/16 at XXXX XXXX Eastern time to my savings account, # XXXX at Wells Fargo, XXXX XXXX XXXX XXXX, XXXX, GA XXXX. At the time of deposit I was told the funds would be available either Tuesday or Wednesday. Today, XXXX/XXXX/16, I was told the funds would not be available till XXXX/XXXX/16. Yes that is 7+ business days from the deposit. Is n't this in violation of a banking regulation? The time is excessive! Also I was told that the check was held by the bank and not presented till XXXX/XXXX/16. Please tell me what type of legal action can be taken? 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2015 about Credit reporting () with EARLY WARNING SERVICES, LLC (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: The reason for my complaint is that I have been a victim of identity theft and apparently XXXX XXXX Bank, XXXX Bank, and XXXX XXXX XXXX. These institutions have reported Fraud Activity to Early Warning Services and this has prevented me in being able to open a checking account. I contacted Early Warning when directed to them with my Financial institution that brought to my attention the reporting that is showing on the early warning report. I need this removed from my early warning file. I have provided and attached a police report that has been filed with the XXXX County Sheriff 's office. I am asking for this to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IL).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: Student loans keep adding interest and forcing every year for forbearance every year.

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: After reviewing my transunion credit report I noticed a t ax Lien Docket #   XXXX . I immediately contact  XXXX  County court at  XXXX  I spoke to a court clerk that informed me that they do n't report to any credit bureau. I then disputed this information with transunion as they 're reporting inaccurate information and they responded with a letter dated  XXXX / XXXX / 2017  th at the information was verified as accurate. I called transunion and requested that transunion provide me with the method of verification and they refused to provide me with that information. Under FCRA, sec 611 ( a ) ( 6 ) and ( 7 ) I have the right to request the method of verification from the credit bureau.

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 09/16/2015 about Debt collection (Non-federal student loan) with Shermeta Law Group, PLLC (MI).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: Shermeta Law Group with a XXXX XXXX XXXX submitted a request and Writ for Garnishment for a student loan which was consolidated with other student loans. They froze all my parents bank accounts dated XXXX XXXX, 2015. Still to this day, even after agreeing to pay a settlement amount, they have not notified the courts, took the money, or notified anyone, including myself. Also, they did not provide the original loan agreement. I believe this is another company like XXXX XXXX. I have no information regarding this matter except for the Writ for garnishment. Also, this debt is past the statue of limitations.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/15/2016 about Credit card () with SUNTRUST BANKS, INC. (FL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: A credit card was opened in my name with Suntrust Bank.I have a fraud alert on my credit report stating to contact me at my phone number prior to issuing any new credit. Suntrust has closed the account but not tell me why this account was opened without contacting me first.

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