milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/16/2016 about Debt collection (Medical) with OPTIMUM OUTCOMES, INC. (NC).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I have several hospital debts that have been referred to Optimum Outcomes. Unfortunately, this debts were billed and made known to me after I filed for Chapter XXXX bankruptcy in XX/XX/2015. My Chapter XXXX was confirmed around XXXX 2015. I keep receiving letters from Optimum Outcomes for accounts related to XXXX XXXX and XXXX XXXX XXXX XXXX - XXXX XXXX for lab work. 

Currently, I am in XXXX XXXX bankruptcy and under law, they can not threaten to sue me or put a judgement on me while I am in Bankruptcy. Prior to filing for Bankruptcy, I attempted to obtain financial assistance from XXXX XXXX and they refused to provide any charity assistance. This puts XXXX XXXX 's non-profit status into question. Perhaps the IRS should look into their qualifications for having a non-profit status.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2016 about Debt collection (Medical) with Accounts Research, Inc. (TN).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Accounts Research ( " Debt Collector '' ) had indicated their intent to file a judgment on medical bills owed by my wife and I ( " Payees '' ) of approximately {$2500.00}. Debt Collector and XXXX XXXX XXXX ( " Creditor '' ) would never provide documentation supporting this amount. 

Instead of having wages garnished, Payees agreed to an " Agreed Upon Judgment '' without verifying the debt in order to prevent embarrassment from the community as well as employers. The Payees would make an initial payment of {$500.00} and subsequent payments of {$200.00} until receipt of a tax return, at which time the balance would be paid in full. The agreement was signed by Debt Collector and Payees and notarized and presumably filed with the judgment. Even at this point, the Debt Collector would not provide documentation validating the debt. 

In XXXX 2016, the Debt Collector contacted the Payees and indicated the Payee 's insurance company had returned insurance claims, thus increasing the amount owed. Despite making payments of approximately {$900.00}, Debt Collector indicated the balance was the same as initially indicated of approximately {$2500.00} ( expected balance to be approximately {$1600.00} ( {$2500.00} - {$900.00} ) ). Again, asked the Debt Collector and Creditor to provide proof of increase and was told by the Debt Collector each were no longer required to provide proof of increase and would need to contact the insurance company. Insurance company indicated all claims had been paid. Despite this information from the insurance company, Debt Collector and Creditor were still not cooperative and have yet to validate the debt till date. 

Although the request for debt validation may have passed, the Payees have never received debt validation during this time. It is my understanding that if the Payees do not request debt validation within 30 days of the first contact, the courts will not consider you having admitted to owing the debt or that the debt is valid. See FDCPA 809 ( c ) : " The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. '' To the Payees, proper debt validation should be in the form of documentation from the Creditor, not the Debt Collector. 

Is this not noncompliance with Section 809 of the Fair Debt Collection Practices Act?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid {$110.00} to  XXXX   XXXX   XXXX  in person when I closed my account and gave them back The equipment I was renting To receive the internet. They must have sold my information to another company because now Diversified consultant inc Is on my credit Report as of   XXXX   XXXX   XXXX     claiming that I ow e Them { $110.00}. Because of the false claim that I owe money, my  credit score w ent down. I do n't no who th is Company  is. I do n't owe them anything my last bill was paid with  XXXX   XXXX   XXXX .   Please help Me Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (MS).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are discrepancies in the amounts I owe on credit cards and the XXXX XXXX XXXX has been paid off. I have tried to file a dispute online but will not work.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2015 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (MO).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: The company called up and said they were an 'investigator ' and needed to discuss my court date over their legal pending action against me. As I just received my credit report and know there is nothing on it the company is clearly trying intimidation tactics to collect old noncollectable debts.

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2017 about Mortgage (FHA mortgage) with BROKER SOLUTIONS, INC. (WA).
Issue: Loan modification,collection,foreclosure

Complaint: I am a XXXX with a XXXX mortgage with New American Funding ( NAF ) on a foreclosure I won in a HUD Good Neighbor lottery. After closing in XXXX 2016, I signed a 6 month contract to have a contractor remodel the home as part of the XXXX process and hired a consultant./inspector to report on the remodel to the draw manager and loan officer at NAF. 5 months into the remodel, the contractor had torn the house apart and started building without permits. He then asked for his first fund draw and an extension from the NAF draw manager via the consultant/inspector. Despite my complaints about both the contractor and the inspector to the NAF draw manager and loan officer about the status of the remodel, neither took action to fix the problem. I was finally forced to fire the contractor and inspector after the 6 month contract expired in breach. NAF did nothing but berate me in emails for not agreeing to a contract extension. The house is no longer habitable so I was forced to move my family into a motel in XXXX. In addition, city inspectors found the work done without permits is not to code. My new contractor estimates {$12000.00} just to do the ripout of the poor work before he can start. I have been paying both my mortgage and motel expenses for 4 months. Due to their complete lack of oversight on the remodel, I have asked NAF for a refund of paid mortgage fees to date, a suspension of fees until the remodel is complete so I can use the money to pay for temp lodging in a motel, and covering the cost of the ripout. In last 4 months, they have not provided a response other than they are in receipt of my request. At this time, I can no longer afford to pay both a mortgage and separate housing in a motel. I fear I will not be able to pay my XXXX mortgage payment and NAF will use that as an excuse to foreclose on my house.

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 10/20/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX XXXX, XXXX Summary of Complaint In late XXXX, Wells Fargo triggered a Short Sale of our property! This happened as a result of our investigation and then pursuing a Home Loan Modification option with XXXX CA. Our application was declined. 
We pursued a similar investigation with XXXX XXXX as it was highly recommend to us as a solid local resource. The contact at XXXX XXXX was extremely helpful and supportive and we are disappointed that we were not granted a home loan modification by Wells Fargo. When mortgage rates dropped in XXXX, they would not allow us to replace and ARM loan with a fix rate mortgage. 
Unfortunately as a result of this pursuit, it has become necessary to repetitiously pursue the removal of sets ups by XXXX XXXX as short sale status presumptive Escrow accounts. We have made it perfectly clear that we do not wish them to handle home insurance and property tax payments that we continue to pay directly without issue. As a result of their forced payments, they have started billing us a monthly mortgage payment amount of {$4100.00} instead of the recently increased $ {$2600.00} since XXXX, XXXX. 
We have adopted a pattern of conference calls when we reach them so we at least can take notes and ensure more ears and eyes based on our growing mistrust of Wells Fargo. They overpaid our home insurance and this created confusion regarding our long standing account with XXXX XXXX as it presented a credit in that caught our attention in early XXXX! My husband has pursued vigorous follow up with Wells Fargo constantly communicating our continued concerns. In particular, without our agreement, they made proactive payments to our home insurance carrier contact at XXXX XXXX as well as property tax payments to XXXX XXXX of XXXX XXXX Tax Collector. As it turns out, XXXX XXXX accounting clerks promptly returned Wells Fargo 's proactive overpayment to them as soon as possible. This spared us what could have been more loss of our productive time to handle yet another on-going pursuit to cease their overt tactics. It may be needless to state that this has been very disruptive and unsettling condition that has dragged on over months. It would be remiss of us not to file a complaint with your Consumer Financial Protection Bureau as our instincts tell us we are likely not alone it this and need assistance. 
We can provide back-up documents with a time line related to our many follow up phone calls and the verbal responses that we were provided by Wells Fargo and others. 
Yours Sincerely,

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 04/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
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: Experian DID NOT verify the information into XXXX XXXX XXXX remark on my credit report. They didn't verify the date that it was opened, they DID NOT verify the address and signature on the application, they did NOT verify the status, all they did was say it was updated. 

PER the FTC that is NOT a proper method of verification. Again, I have NO signed contracts with XXXX XXXX XXXX, the address they supposedly verified I never lived. So, how can they verify the information. Name and JUST SOCIAL SECURITY NUMBER? I thought when you applied for credit, you had to also put the address you resided in addition to your name and social XXXX XXXX XXXX - Account Number - # 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 11/17/2015 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Account No : XXXX XXXXAmount in Question : $ XXXXI attempted to see a doctor at Minute Clinic which is within the XXXX XXXX XXXX , close to my home. I was fairly certain that I had XXXX ( XXXX XXXX ) and was scheduled to leave for New York the following day on a work trip. The doctor at XXXX XXXX took down all of my information, including my insurance information, which took approximately 20-30 minutes because she had difficulty getting her system to work correctly. She then proceeded to tell me that she could not see me because XXXX XXXX does not handle any eye related problems. I was unclear as to why she did not tell me that when I 1st arrived and filled out the " reason for visit '' on the " sign in form ''. I would like the {$84.00} removed as I never was treated or seen by a doctor. Furthermore, I am confident that my insurance was charged the {$15.00} ( difference between the {$84.00} and the {$100.00} visit ) and therefore I would like that amount refunded as well. 
It is ridiculous for his company to be able to charge people for treatment which never existed. I have received XXXX notices from Trans world Systems Collection Company dated XX/XX/XXXX & XX/XX/XXXX. I called after the XX/XX/XXXX notice and they indicated a case would be opened. I have not heard back from them ; however I received the additional notice on XX/XX/XXXX. Unless this is taken care of immediately, I am contacting an attorney to start the discovery into how many customers have experienced this same issue.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I sent a letter to Equifax letting them know I have been a victim of identity theft and there were several accounts on my credit showing that did not belong to me. Equifax did n't remove the accounts they sent me a letter back saying that the items had been verified. I have requested an investigation and re-investigation on XX/XX/2016, XX/XX/2016 and again on XX/XX/XXXX, both times my request were ignored. I am asking that these accounts be removed as they are fraudulent and both request to have them investigated have been ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: My student signature private loans through Navient were not deferred in XX/XX/2016 when I returned to college as a full time student without an income. I contacted Navient and was told that I would continue to receive late fees every month if I did not pay my loans. Navient told me there was no way to defer that particular loan or any options to reduce my payments. I have had perfect credit up until this recent issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-06-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (WA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX offers me a settlement of XXXX to settle the account. When I called back it went up to XXXX and said that was never offered. Said the would review the call and call be back. They called after the settlement due date to say I owe the full ammount. Of XXXX They also like to auto dial my cell and hang out when I answer.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2016 about Mortgage (Conventional fixed mortgage) with HOMEBRIDGE FINANCIAL SERVICES, INC. (NC).
Issue: Loan servicing, payments, escrow account

Complaint: I received a letter dated XXXX/XXXX/16 from HomeBridge Financial Services ( actually received the physical letter via mail on XX/XX/XXXX ) stating my loan was sold AGAIN ( this is the 3rd time my loan has been sold in less than 12 months ) to XXXX XXXX XXXX effective XXXX/XXXX/16. However, I have auto setup for my payments at HomeBridge that has been transferred on XXXX/XXXX/16. When I attempted today ( XXXX/XXXX/16 ) to call XXXX XXXX, to explain that I have n't received a loan package yet and the payment had already been made to HomeBridge, I was unable to physically talk to anyone without a Loan # but did hear a recording that " if I was calling regarding loan transfer - it would n't be completed until XXXX/XXXX/16 ). I then tried to call HomeBridge and every time I entered my Loan # and last XXXX digits of SSN the call was disconnected. Therefore, I was unable to speak with anyone there either.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2016 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MI).
Issue: Settlement process and costs

Complaint: Trying to sell a home that is part of an estate that I am personal representative of. Working with a title company have a cash buyer and bank of america wo n't release the deed until 60 days after payment has been made. Basically blocking me from sale title company has been working with them for over a month were suppose to close last month and have gotten no where they are close to foreclosure. The amount of the sale would pay them off in full meanwhile bank of america is charging more interest, penalties, and taxes. Loan was first a Va land contract and payments were made threw countrywide. Bank of america bought them out and now state is a mortgage payment.

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 02-12-2018 about Mortgage (Conventional home mortgage) with Shellpoint Partners, LLC (CO).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I send in a response on XX/XX/2017 with no REPLY XXXX XXXX XXXX / SHELPOINT-

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I was sued in 2014 for a debt that I owed XXXX XXXX. Midland Funding bought the debt and filed a suit against me and garnished my wages until the balance was paid in full. After paying this debt in full, I received more correspondence from Midland Funding as well as XXXX and XXXX XXXX. stating that I was being sued again for the same debt. I have spoken to both compnaies and Midland Funding refuses to speak to me about my account and told me they sold the account to XXXX XXXX XXXX after this account was satisfied. I contacted XXXX & XXXX and they stated that they never received the money that was garnished from my paycheck and that this account could not be closed until it was satisfied. I am looking to sue both companies for constant harassment. This is affecting my daily job responsibikities as I have to take off of rom work to resolve this. I will attach a copy of my check stub showing the garnishment paid in full.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/24/2018 about Checking or savings account (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (PA).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: I met all of the requirements for a {$200.00} bonus to be added to my account which was not posted in the advertised time frame. Specifically, a deposit from my employer exceeding {$300.00} was posted on XX/XX/17. The bonus was supposed to be posted within 60 days of this event. After 71 days I reached out to support. Support took over a week to respond and did not resolve my issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10-04-2016 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have requested on several occasions for the agency to please validate a bankruptcy judgement information reported on my account and provide me with copies of any documentation associated with this account, bearing my signature. This information should be supplied within 30 days. They refuse to provide me with the information of how they are verifying this to be my account as will as I requested the name address, phone number and person whom verified this account to be mine and nothing has been provided by the agency.I have called the agency to only be rude to my the staff of this agency.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 about Debt collection (Other debt) with TRANSWORLD SYSTEMS INC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: We moved out of an apartment ( 600sq ft ) back in XXXX XXXX where we used XXXX XXXX for our electricity. Within a year, our bill went from around {$60.00} up to {$200.00} with no reason. When we moved, I canceled our service with XXXX. They tried to charge us over {$300.00} for doing so when they had already ripped us off on our monthly bills. I conveyed this to the original collection company back at the end of XXXX and heard nothing after that. It was removed from my credit report earlier this year but is now showing up again with a date of XXXX XXXX, XXXX under XXXX. There is no reason I should have to pay this amount for a company I havent used in over 2 years that gave no reason that I was significantly overcharged. If anything, they owe me money back.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2017 about Debt collection (Other debt) with National Credit Adjusters, LLC (NM).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: I was contacted by XXXX XXXX with the Department of Investigations and she told me that a debt I thought I had paid off in 2013 had n't been paid off and that if I did n't pay {$440.00} today, she would have me arrested today and prosecuted for theft by deception. Scared, I called a lawyer friend and she told me to bring all information to her. On the way, they called and left a voicemail and I called back. I recorded the conversation, this time with a XXXX XXXX, so I did n't forget anything. I played these for my lawyer friend and she said that she thought it was a debt collector pretending to be law enforcement and that they could n't do that. She called and asked to speak XXXX XXXX, and to her supervisor when she was told that XXXX was out in the field. She was transferred to a woman named XXXX and then to XXXX XXXX. She told XXXX XXXX that the threats violated the Unfair Debt Collections Practices Act and then XXXX started yelling that she was n't a real lawyer and hung up. She called back and spoke with XXXX XXXX, who told her that she would have to fax a letter of representation to ( XXXX ) XXXX, but when she started asking XXXX  the name of the company, their address and the state in which they were incorporated, XXXX hung up on her. Unfortunately, when they first called me, I was so scared that I gave them the names and numbers of 2 references and the name and number of my employer. Now I 'm afraid they will contact them. Please follow up as I understand these practices violate the law and may even be a crime. XXXX  did say before she hung up that the company 's name was XXXX XXXX XXXX and that they were a corporation located in XXXX, Ohio.

Company response to consumer: Closed with explanation