milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/15/2017 about Debt collection (Medical debt) with Designed Receivable Solultions, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX XXXX attempting to collect a medical bill in amount of {$440.00} that was reported on XXXX XXXX 2013, I have never been to any facility XXXX XXXX XXXX nor have a ever received written notice of this bill from the debtor. I have sent repeated request to debtor and all three credit agency to investigate the claim being reported to and to date have not received an answer from any of the mention parties.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2017 about Debt collection (Medical debt) with GLA Collection Company, Inc. (IN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: a patient of 1 of the doctors who was charged in the nationwide XXXX XXXX sting in XXXX of this year all my dealings with this office was paid by medicare but has been turned over to the GLA collection inc. in XXXX ky XXXX have tried to have it removed they say it meets fcra guideline this is part of the false billing this office was charged with

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Due to the fact that my situation is not properly available on this site as a choice to select above I have been violated by XXXX XXXX XXXX XXXX XXXX Also, by Experian Credit Reporting Agency and XXXX XXXX XXXX XXXX XXXX XXXX n't have the rights to collect debt in the State of Texas ? They are not abiding by the Law accordingly to the State of Texas and they was suppose to remove themselves from my credit report by sending a letter stating to the Credit Reporting Agencies that they need to be removed. Now that I have made Experian aware of this they have not done an accurate investigation on XXXX XXXX XXXX XXXX XXXX. So, I checked XXXX Texas Debt Collections XXXX website and found out that XXXX XXXX XXXX XXXX XXXX is breaking : " Texas XXXX XXXX XXXX XXXX which prohibits a XXXX-part or credit bureau from engaging in debt collection in Texas unless the XXXX XXXX debt collector has obtain a XXXX bond and file a copy of the bond with the Office XXXX. Also, you can not operate in the state of Texas with a XXXX '' I am in need of another Investigation to remove them from my credit report please.

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 06/21/2017 about Checking or savings account (Savings account) with APPLE FINANCIAL HOLDINGS, INC. (NY).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I have had bank accounts at Apple Bank for over 20 years. out of no where they said they were uncomfortable with some of my deposits and withdrawals. I am in the XXXX XXXX and have many inflows and outflows of cash. Also, I like to play dice at various casinos. They said they were uncomfortable with my deposits of {$8500.00} in cash and questioned a bank check that I had gotten for a purchaase of a horse for {$29000.00} made payable to the former owner of the horse. I felt like I was targeted and was emabarasedd in the bank after going there for the longest time. I had no recourse. All I was told was that this was a decision by the internal audit department of Apple bank and was not a branch decision. Who are these people? the XXXX XXXX XXXX, they make these decisions and you ca n't speak to them or defend yourself?

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2017 about Debt collection (I do not know) with QUICKEN LOANS, INC. (MN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Unauthorized inquiry and/or unknown company

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Montgomery & Meyers P.A. Corporation (MO).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Representatives, Specifically XXXX - Senior Vice President Director Commercial Recovery & Litigation The Offices of Montgomery & Meyers P.A. Corporation, have been harassing me regarding a debt. It began by them calling my XXXX father, they threatened him and tried to get him to pay a bill that clearly was not his. In addition, I have tried to resolve this but they have refused to provide any documentation that they represent the company they say they represent. I asked them to provide the original invoice, they refused. Throughout the process he has been abusive cussing and yelling. Lastly, while speaking with someone else from this office I agreed to pay the bill. When I called back to provide payment XXXX again being abusive refused to honor the arrangement.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2015 about Debt collection (I do not know) with Dynamic Recovery Solutions, LLC (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a collection document from Dynamic Recovery Solutions regarding a deliquent debt with XXXX XXXX XXXX. I currently hold good standing accounts with XXXX XXXX XXXX. XXXX XXXX XXXX has confirmed with their debt recovery unit that I have no delinquent debt. The account which is listed on the document has been confirmed with XXXX XXXX XXXX as not being any that I 've ever held with them. 

I 've requested proof of the original debt from the personnel at Dynamic Recovery Solutions and was told it would take 30 - 45 days. I 've been threatened with action being taken in 2 weeks. The current owner of the debt is XXXX. According to the information I 've received from DRS, the account is as old as 2006. 

This sounds fraudulent or like a phishing scam. Please investigate and let me know what action I can take. 

Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-03-2015 about Bank account or service (Checking account) with HUNTINGTON NATIONAL BANK, THE - FIRSTMERIT BANK, N.A. BRANCH (OH).
Issue: Making/receiving payments, sending money

Complaint: I has an account with First Merit Bank. In XXXX 2015 I closed the account. In XXXX 2015, I received a text message from First Merit that I owed {$100.00} for an automatic deduction in XX/XX/XXXX made from my closed account and a late fee for not having money in my closed account to pay for it. I confronted First Merit asking them why they would indebt a closed account. They said I now owe {$150.00} since I have n't paid for the XX/XX/XXXX overdraw. I then asked them if a person walked in with a check written by me and tried to cash it after my account was closed in XX/XX/XXXX, would they cash it and they said no. 
What can I do? Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Aargon Agency, Inc. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am being harassed to pay a debt that is not mine

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 12/21/2016 about Debt collection (Medical) with AFNI INC. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have no knowledge of said debt

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Debt collection (Credit card debt) with Atlantic Credit & Finance, Inc. (CT).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I started receiving calls on XX/XX/XXXX from a restricted number or XXXX. From XX/XX/XXXX they have called me XXXX times from the same numbers. Sometimes multiple times in XXXX day. They have also been contacting my husband on his cell as well. This debt has no ties to him and on XX/XX/XXXX when they called for thr XXXX time i told them they are not to try to contact me on his number. 

I did talk to them on XX/XX/XXXX and agreed to male arrangements with them but kindly asked them to call me back because i was driving and trying to drop my XXXX off at XXXX. They proceeded to keep me on the phone for XXXX minutes trying to " console '' me with XXXX XXXX and XXXX psychology. I asked them to send me a statement so i could send them monthly payments. I got irritated and hung up on them. 

On XX/XX/XXXX they called again and I answerd to let them know I received the statement and that I would be sending monthly payments. The XXXX girl " XXXX '' stated that was only if i was paying the entire balance. I repeated to her what my intentions were then she handed the phone to " XXXX '' where he started with his XXXX XXXX and XXXX psychology again. I explained that I did not feel comfortable giving my account info and that I would be sending checks. This conversation went on for XXXX minutes. They were very condescending and refuse to hang up after I told them I was going to send monthly checks.

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 05/27/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I consigned multiple loans with XXXX XXXX for my daughter starting in 2009. She has finally been XXXX and she works part time for minimum wage and is unable to find a full time job so I 'm paying. Navient is horrible to deal with. I get multiple bills every month and I do n't know at this point how much is owed for what loan. When it was will XXXX XXXX it was simpler my XXXX loan of XXXX was almost paid up but now Navient takes your money and applies it as they will even though debt companies say you should pay off asap. They have taken that choice from me. Furthermore I was paying some of the loans before they were due while my daughter was in school and all of that acceleration seems to be wiped out. I have asked them to mail me an accounting of all the loans over and over again but they route me to a website which is difficult for me. I feel as if I am being exploited for them to make as much money from me as possible instead of allowing me to pay off the smaller earlier loans earlier.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2016 about Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (CO).
Issue: Loan modification,collection,foreclosure

Complaint: Freedom Mortgage calls me every week to ask me to RESUBMIT paperwork that I 've ALREADY PROVIDED MULTIPLE TIMES. 

This has been happening for over two months, going on three months. As a result, they keep delaying my forbearance application, charging me penalties and ruining my credit so that I have no ability to re-finance with another institution. 

The reasons they provide for the delay and request for re-submission of paperwork already provided are in an attempt to delay. 

The reasons have been ( a ) forgot to ask previously ; ( b ) personnel at Freedom Mortgage are not scanning documents properly ; ( c ) there are so many documents submitted, we are too lazy to confirm that we already have the docs we are requesting so it would be easier if you resubmit ; ( d ) the underwriter did n't review the docs properly ; ( e ) your single point of contact was out of the office and did n't have anyone covering his files in his absence ; and ( f ) your single point of contact does n't bother to look at your files when you submit docs but only every 3 - 5 business days. 

Also, why do they need paystubs in XX/XX/XXXX for a forbearance request from XX/XX/XXXX as a result of UNEMPLOYMENT.

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 02-10-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: The IRS agreed to take the tax lien off of my credit file in a direct conversation with them. It should not have been placed as a lien. I disputed this with the bureaus. XXXX removed it but Trans Union did not.

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 08/18/2017 about Debt collection (Medical debt) with Retrieval-Masters Creditors Bureau, Inc. (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: 1 ) American Medical Collection Agency is attempting to collect {$230.00} for services I never received. The amount in dispute stems from a botched XXXX XXXX conducted by XXXX XXXX, in which improper procedures were followed and the results were invalidated. This resulted in my doctor having to order additional XXXX XXXX with another company and additional expense to myself. Both myself and my doctor 's office have attempted to resolve the matter with XXXX XXXX Directly. Upon each attempt to speak to representatives by telephone, we found their customer services agents completely befuddled and unable to cope with a simple request of correcting an erroneous bill. Due this absolute ineptitude on the part of employees at XXXX XXXX, the " usual procedure '' of " rolling '' unpaid medical ills into debt collection in order to intimidate payment out a consumer has occurred. However, the company has an obligation to only bill for services it actually has provided as well as correct bills that resulted from botched testing ( in which test results were found to be obviously invalid ). a ) The specific problem with the testing was 1 ) my doctor ordered two XXXX XXXX that were to be repeated 7 days apart to determine my reaction to a XXXX By XXXX 's mistake, both blood tests were done at the same time ( the same tests were performed at the same time ). Yet, the results of these two tests were wildly different, despite the fact that they were made from the same blood taken at the same time. So, XXXX botched the XXXX XXXX in two ways, and both myself and the doctor 's office have asked that they remove these charges from my bill. 2 ) I have explained the problem in letters to both XXXX XXXX and American Medical Debt Collection Agency.  Both of my letters on this matter have been completely ignored and not responded to by either firm. 3 ) After receiving an initial letter from American Medical Collection Agency, I requested verification of this debt. They have failed to provide this in violation of state and federal law. They did respond to my new address and by providing me a copy of their permit to collect in N. Carolina ( which is evidence that my letter requesting debt verification and request was received by them, yet ignored ). 4 ) The XXXX/XXXX/XXXX debt collection letter I received from American Medical Collection Agency contains illegal bullying tactics in that it has the phrase " Credit Record Reporting ... ..Credit Record Reporting '' printed in multi-color ink running vertically along the right hand side of their letter multiple times. As you know, Federal Law does not allow for the credit reporting of illegitimate medical debt, and such reporting can also not be attempted by law until at least 18 months from the transaction date.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (NJ).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: American Express charges over {$400.00} dollars in Interest plus + late charges. I was late twice in making the payments.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Equifax Confirmation # XXXX XX/XX/2018 Equifax has not provided any documents from XXXX XXXX showing a Charge Off or money owed and Equifax has showing a Charge off but nothing as proof or documents to prove there charge off. 
I have provided from XXXX XXXX there is nothing owed or any amount of money owed.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: The institutions are implying I filed XXXX bankruptcies within a 2 year span. This was the same case and was discharged XXXX/XXXX/2012. It was initially filed in the Federal Bankruptcy XXXX in XXXX, XXXX. XXXX This is allowed because of the closeness XXXX. ) I was a XXXX resident at the time. XXXX of the creditors, XXXX XXXX XXXX protested the XXXX XXXX Courts XXXX and the case was dismissed on this technicality and reopened XXXX. The other sited dismissals are movements through the court or a conversion from Chapter XXXX to XXXX. Mortgage Investors denied my XXXX Dream mortgage based on this inaccurate information. Whoever reported this did not read the case and reported this in bad faith and in lieu of an understanding of Bankruptcy law.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with DriveTime (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: DriveTime/XXXX keeps harassing me and are in no way helping a customer who has been loyal to them. I will continue to file complaints until they fix the issue. As I started before the worthless car is not worth as much as I have paid the worthless care is disabled and the worthless car is probably still at XXXX place because Drivetime will not assist with towing it. You guys keep harassing me and there is nothing I can do to get this car towed you guys have robbed me blind with the car that is not worth it I want to see you guys in court let 's arrange that. You, people, think it is fair to charge people so much for an old car worth less than {$2000.00} how about we go to court and I get all my money back. I feel threatened and harassed by Drivetime and XXXX that is why I 'm so scared to answer. Besides the care been out of my possession since XX/XX/XXXX, my last payment was made in XX/XX/XXXX. Here is what we can do go to court so that I can tell the judge how threatened and stressed out you guy made me. Also, you guys are incorrectly reporting things to my credit report I can and will sue you Drivetime/ 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 07/24/2016 about Credit card () with FIRST NATIONAL BANK OF OMAHA (IN).
Issue: Other

Complaint: I am reporting First National Bank ( XXXX XXXX ) again for making harassing phone calls for credit card payment. I reported them a week or so ago and am still getting harassing phone calls from them. Please let them no that I do n't want any more calls on my phone. Thanks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-09-2017 about Mortgage (VA mortgage) with Veterans Relief Services LLC (MD).
Issue: Credit decision / Underwriting

Complaint: A company called XXXX XXXX is calling asking for self reporting information under the umbrella of the Veterans Approved Act. They are calling as a third party on behalf their " preferred lender ''. Passing information to XXXX ; quoting rates and closing costs without making application. XXXX XXXX direct dial XXXX fax. They are collecting data for the creation of a loan application without being a LICENSED mortgage company. I have requested NUMEROUS times that they remove me from their calling lists to no avail, therefore I have decided to gather more information from them in the hopes that your group will take action to ensure that NO other Veterans and their families are swindled by the group and the lenders that the refer to.

Company response to consumer: Untimely response
Consumer complaint received 02/23/2016 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Other

Complaint: I applied for a XXXX XXXX XXXX credit card from Chase on XXXX/XXXX/2015. Due to a credit block I had previously initiated on my report there were additional verification steps I had to take before I could open the account. I was told I would receive correspondence in the mail with more information. Upon returning from vacation in early XXXX I opened the correspondence and completed the verification with a nice woman on the phone on XXXX/XXXX/2015. I 'm not sure how, but Chase was able to place a hard inquiry on my credit report on XXXX/XXXX/2015 even though it was supposed to be blocked. When I completed the verification on XXXX/XXXX/2015 Chase placed a second hard inquiry on my credit report in less than 30 days which has done some damage to my credit score and perceived creditworthiness. I called and talked to a representative regarding this issue and requested repeatedly that one of the inquiries be removed. Chases agent was adamant that Chase would not remove the second credit inquiry from my credit report because it was " Not done in error '' I understand that every inquiry is part of the process to review an application. While I did authorize Chase bank to run my credit report ONCE, they were somehow able to pull my credit information from XXXX prior to my authorization and a second time after my authorization. 

I dispute that I should have XXXX inquiries on my report for XXXX credit card application.

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (MS).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: For the second time Capital One has changed my password. Have been hung up on twice and ca n't access my account on line. I 'm tired of dealing with these incompetent people. Since I ca n't access my account I have to call. I get a message saying the office is closed at XXXX XXXX. I wish to close all my accounts but find no way to contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2015 about Debt collection (Credit card) with The CBE Group, Inc. (MO).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I told them that I filled chapter XXXX numerous of times and they keep contacting me. I give them the case # and the discharge date.

Company response to consumer: Closed with explanation