milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/19/2016 about Debt collection (Medical) with I.C. System, Inc. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This is a complaint regarding a notice I received from a law firm about a debt I incurred to a medical team. The problem is : this is not a debt I owe. The original bill was paid in full and I have the canceled checks proving the doctor 's office cashed them. 
Apparently, the invoice was submitted to a collection agency even though it had been paid, then re-sold to other companies, in what I assume was a list of junk debt. Most of these companies, even though they list their businesses as debt recovery services, do n't recover anything and simply repackage and resell the list to other debt recovery services that do the same. The last company to obtain the list, IC System XXXX Inc, lists their business address in XXXX, MN allegedly hired the firm of XXXX XXXX LLC in XXXX, MA to recover the already paid debt. 
I find it disgusting that I have to waste my time, energy, and money to fight a claim that should n't even be a claim. I am tired of all these companies washing their hands with rhetoric while stating that the claim looked legitimate at the time, or that they were conducting business based on the information given to them, blah, blah, blah. 
It should be illegal for companies to sell debt to XXXX another while making money on the backs of those individuals who ca n't afford to pay exorbitant medical bills. I will be contacting my state 's representatives on this matter to help circumvent this practice. 
This is nothing more than harassment, worse than telemarketers phone calls. At least I can hang up on them.

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 02-07-2017 about Debt collection (Medical) with Terrill Outsourcing Group (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

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

Company public response: Company 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 07-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TN).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XXXX 2017 {$500.00} I have filed a dispute with XXXX XXXX XXXX to verify because no contract was signed they sent back it was verified with no proof

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 Student loan (Federal student loan servicing) with Navient Solutions, LLC. (LA).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: Navient correspondence dated  XXXX / XXXX / XXXX  states it can not process my  IBR re certification application as the form I used is " an old version that expired. '' The form I used states in the top right corner : "  XXXX   XXXX .  XXXX  Form  Approved Exp . Date  XXXX / XXXX / XXXX . '' It is  XXXX  pages.     Navient says that form was updated in  XXXX  of this year. The form they say I must use is  XXXX  pages, and is labeled identically to the form I used : "  XXXX   XXXX .  XXXX  Form  Approved Exp.  Date  XXXX / XXXX / XXXX . '' I spent approximately  one  hour today (  XXXX / XXXX / XXXX  ) on the phone with  XXXX  different Navient staff of increasing supervisory status, asking them to either : a ). process the form I sent in, which on its face is clearly current, or b ) tell me what information they require that my application would have omitted. They declined.     I 've been in  IBR st atus with a zero payment for at least 5 years.  XXXX   XXXX  used to send the current form in the mail, but  Navient has ne ver done so.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2016 about Mortgage (VA mortgage) with QUICKEN LOANS, INC. (ID).
Issue: Settlement process and costs

Complaint: I refinanced my home with Quicken loans, VA financing. I had cash back to pay off credit card debt. XXXX check in the amount of {$4.00}, XXXX was made out to XXXX XXXX. I took the check to the XXXX XXXX, ID store and paid the bill at the customer service counter. We received a letter in the mail today informing us that Quicken loans recalled the check for unknown reasons. I am paying for this loan ; I work XXXX hours per week and my wife is on Social Security. I can not afford to ignore {$4500.00}! My mortgage is {$680.00} per month and I am considering not making a mortgage payment until my money is returned with along with a written apology letter! By the way, I have a {$25.00} service charge to pay XXXX due to Quicken XXXX up once again! Not to mention he fact that it took us 7 months to complete a VA refi with Quicken ( actually they should be called Slowen loans ) and we just closed on the loan less than 30 days ago! Then their check bounces? Give me a low grade break already! I have had nothing but problems from Quicken loans, I 'm a Veteran and I 'm not going to take it anymore. I plan to file a complaint with anyone who will listen.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07-08-2015 about Debt collection (I do not know) with Global Credit & Collection Corporation (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I keep getting calls from : global credit and collection corporationwith phone number:XXXXto number:XXXXThese calls have been going on for 4 years. I have told them repeatedly that I am not XXXX XXXX and to remove me off their calling list

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (AZ).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I was approved for a short sale with my Lender Ocwen on XXXX/XXXX/XXXX and have the approval letter for the short sale from Ocwen and a copy of the Final HUD-1 closing statement showing I was the seller. However, I have proof that XXXX is reporting this as a foreclosure on my credit report. This is reporting in error as this was NOT a foreclosure it was a short sale which only has a 4 year waiting period after the short sale to get qualified for a new home. I am trying to purchase a new home and because of XXXX reporting Ocwen as a foreclosure I am unable to get conventional financing and purchase a new home at this time. I need to get Ocwen to fix this with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Billing disputes

Complaint: I HAVE A CREDIT CARD WITH CAPITAL ONE. THE MONTHLY PAYMENT IS DUE ON THE XXXX OF THE MONTH. ATTACHED IS A COPY OF THIS MONTH 'S BILL. I PAID MY BILL LAST NITE XXXX XXXX AT XXXX. CAPITAL ONE HAS INDICATED THAT MY PAYMENT WAS LATE AND THAT I WILL BE CHARGED {$36.00} AS A LATE PAYMENT FEE. IF MY PAYMENT IS DUE ON THE XXXX AND I PAID ON THE XXXX, WHY AM I BEING CHARGED A LATE FEE. WHEN I CONTATED CAPITAL ONE, THEY SAID IT WAS BECAUSE MY PAYMENT WAS NOT SENT BEFORE XXXX. NOWHERE ON THE STATEMENT DOES IT SAY ANYHING ABOUT THAT. PLEASE HELP.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/13/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with TD BANK US HOLDING COMPANY (PA).
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint: Today I received a credit card from TD Bank and included in the envelope was a standard-form privacy notice. It said " we can share your personal information for our affiliates to market to you '' and " you can limit this sharing '' by calling TD Bank at XXXX. 

However, this is the wrong number. The recording requires entry of the customer 's account number and other information, but then says it 's the wrong number to call for credit card customers. It provides an option to be transferred to a different line, which requires re-entry of all that information and more, and then presents phone menus that do n't include any options for controlling privacy settings. I was able to reach a representative who just re-asserted that I should call the number listed on the page, and she 'd inform a manager of my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2016 about Mortgage (FHA mortgage) with FRANKLIN AMERICAN MORTGAGE CO. (MI).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX XXXX, I contacted my mortgage company informing them that I had started a new job and that I would be making the mortgage payment at the end of the month due to my pay being by-weekly. We agreed for me to submit a post-dated check for XXXX XXXX of this year to be sent to the processing center and that it would be noted that the check would not be processed until that date. On XXXX XXXX, upon receiving the check, the processing center processed the check and it came through my bank prior to XXXX XXXX. On XXXX XXXX, I contacted the mortgage company, and they were less than helpful with me in resolving this issue. I was also informed that the company only makes post-dated arrangements electronically and over the phone, which I refused to divulge ANY information regarding my bank accounts over the phone, and that it was agreed that I could mail a check. I went to my bank later that day, an investigation was opened and on XXXX XXXX, I received a letter from the bank that there was nothing they could do about the issue, it was between me and the mortage company. As a result, I was charged {$91.00} by my bank ( $ XXXXper day ) for each day that the account remained overdrawn. I am asking that the mortgage company either refund the {$91.00} directly, or that the amount be applied towards the balance of the Mortgage principal.

Company response to consumer: Closed
Consumer complaint received 07/28/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Problems caused by my funds being low

Complaint: my name is XXXX XXXX, I had a payday loan in 2011. I had an ach debit account through Bank of America, I ask bank of America to close the account and they did so, but they allow the payday loan people to continue to try to debit my account which was inactive. so they keep charging me overdraft fees for monies that was not in the account XXXX worth of fees now they have reported my name to XXXX and I can not open up an account, this is unfair, I need help

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 07-02-2015 about Credit reporting () with National Credit Systems,Inc. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: This account was turned over to XXXX in ( I believe XXXX XXXX XXXX. There has been no activity XXXX NONE XXXX yet every few months they keep " updating '' my report ( they did this in XXXX XXXX, XXXX XXXX, XXXX XXXX & again in XXXX XXXX ). Even though this account has no activity & is set to come off of my report next year, every few months it appears as " new '' again. I received an " alert '' from XXXX last week that a new derogatory account had been added to my report. It 's the same account that 's been on here since XXXX. Even though it 's an old account, it caused my score to drop XXXX XXXX XXXX dropped my credit limit as a result XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (NV).
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint: I signed up for XXXX XXXX in 2006, and I was told that I needed more money than the {$4000.00} federal loan I was eligible for. XXXX told me that I needed to get a plus loan, but I was unable to do so due to being XXXX years old at the time and considered a dependent, and neither of my parents were able to sign on the loan. XXXX told me that they would cosign on the loan, and they then enrolled me in courses. I went to 2 classes and then was unable to continue going, so I withdrew from classes, and was told everything was taken care of. I found out a couple of years later that XXXX did not withdrawal me as they said, and took the full amount of loans for that semester. I received a call from XXXX XXXX, who was the servicer at the time, and they told me that my deferment was up and I had to start repaying my loans. I was very confused by this since I had been told I was withdrawn, and all funds were cancelled due to not being enrolled for even a full week. I attempted to explain this to XXXX XXXX, but they refused to listen and bullied me into making payments that I could not afford as I was a full time student at XXXX XXXX XXXX, XXXX XXXX by that time. I made a few payments until I decided I should not be being forced to pay back a loan that was disbursed under fraudulent means. Now, Navient is the servicer for this loan, and I am being consistently charged interest and is showing up as a {$13000.00} debt, when the original amount was for {$3800.00}. I have been attempting to fight this with both Navient and the credit bureaus without success. Another interesting fact is that this loan is not showing up on my FSA loan list, even though on my credit it is showing as a student loan. Frustratingly, I was young and stupid and did not properly hold on to all of my documentation, and everything that I had has been lost in the multiple moves I have made over the last 11 years. Now I have seen that there is a Class Action lawsuit against Navient and I found information on how to report a dispute to you. <P/>Thank you very much for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BMW Financial Services NA, LLC (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Original notice of Dispute to BMW Financial Services was signed for and received by them on X/XX/2017. I advised them they must validate the debt and " Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.
They did not respond within the 30 days required by the FCRA & FDCPA. I sent a follow up letter notifying them of their violation. They received and signed for the 2nd letter X/XX/2017. They sent a letter X/XX/2017 stating they did n't believe it was from me and that they thought it was from a credit repair company and their policy is to only respond to requests sent directly by customers. This was their attempt to disregard the fact they had already broken the law with their failure to respond within 30 days to my original letter.
I sent a follow up letter which they received and signed for on X/XX/2017, notifying them " There is no verbiage in the Fair Credit Reporting Act or and/or the Fair Debt Collection Practices Act that allows for a creditor to not respond or place a " notice of dispute '' on my account within 30 days of my dispute due to a " reason to believe '' the request was n't sent directly by the consumer/me. Further, there was no attempt within the original 30 day timeframe made by BMW Financial Services to inquire as to whether the request was sent by me, it was assumed it was n't me. My original dispute was legally valid and you failed to respond within 30 days, period. '' There has been no further correspondence sent by BMW Financial after receipt of this letter on X/XX/2017 and they still have not placed a " notice of dispute '' on my credit report nor have they " validated the debt ''.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2017 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 status incorrect

Complaint: XXXX and XXXX keep adding balances and subtracting balances from my accounts. This is adversely affecting my credit score! I am in the middle of financing and their frequent updates are detrimental to this process. First of all they do n't have my correct contact information and I was not able to be notified in XXXX and XXXX. I fax information over to them about my forbearance and I was told that it was never received. I have copies of my fax receipt were it was sent over. Several late payment was placed on my account because of this.

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 02-01-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Conn's, Inc. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I had 11 missed called from them in just 1 DAY.. not including emails. The calls come from different numbers every time I receive a call. When I answer and inform that I will not make a payment until I get paid I start getting harassed about paying my bill before my actual due date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/14/2017 about Debt collection (Medical debt) with CMRE Financial Services, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I had sent CMRE financial a debt validation letter, because my insurance company had assured me this bill was paid, and CMRE was looking to collect this debt. CMRE returned to me a one page letter, with my name, account number, and a balance. I tried to contact the hospital to get some closure on this, and they said, since it was in collection, I had to deal with CMRE. This letter from CMRE obviously offers no help in finding out the details of this bill ( debt ). Not getting any satisfaction from CMRE, I filed a complaint with CFPB. 
Low and behold after I complained to CFPB, CMRE sent me some sort of billing statement. This bill was like no bill I had ever seen. It had not mention or logo of the hospital on it. It looked like it was typed up by any kid on a computer. From what I can decipher, there were charges, payments, payment reversals, but no where on there was the word totals or a total amount due. No past due amount-NOTHING! There is no way this can be considered a valid verification of the debt. On my last complaint I did not check for the CFPB to publish my complaint, because I was hoping the company would remove this from my credit report, and that would be the end of it. But not this time. I want the company to understand that I will continue to complain until this gets resolved. Please note that in 2014 I was diagnosed with stage 4 XXXX XXXX and have generated tens of thousands of dollars in medicals bills which my insurance company has paid. Please check my credit report. I do n't understand why this one out of hundreds of bills is haunting me.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: My loan was issued almost 10 years ago now ; and at it 's start, I chose a payment plan that paid the principal and interest off in 10 years. 9 years later, making all my payments, the principal has barely gone down! My monthly payment is quite large and gretaly impacts my family 's budget. Right now, it appears I could be paying for my education for the rest of my life. Recently, I asked ( income based plan/forebearance ) because I am currently unemployed, I was given a short forebearance but have since received threatening letters about payments. Since that time, my father ( cosigner ) applied for credit and was informed that his FICO score had been negatively effected by the forebearance, an implication that was never explained to me by the Navient representative. I called two weeks ago and asked how much money I needed to pay to make the * 3 times daily* phone calls stop. The rep gave me an amount and I paid it in full over the phone at that time. Now, two weeks later, Navient sent my father a threatening letter demanding more money. I will be paying that amount today because I do not wish to harm mine or my father 's credit any more.

Company response to consumer: Closed with explanation