milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-12-2017 about Debt collection (Medical debt) with Medical Business Bureau (NY).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I am a XXXX XXXX whose policy coveres 100 % of all EMERGENCY room services ( the accounts being disputed are emergency room services ) with {$0.00} Co-payment and no member obligation. I 'm not liable for these collection accounts. This medical debt was n't correctly billed to medicade at the time of service which is no fault of mine. I have on countless occasions provide all the information required to bill Medicade properly, to both the Hospital and Collection agency. They keep reporting the same Negitive information on my credit report after taking the billing payment information. 

Being that I am a XXXX XXXX with {$0.00} copayment I 'm not eligible for collection accounts from an out-of-state Hospital or emergency room because the hospital must settle the debt directly with Medicaid and the accounts to show payment in full according to the following federal regulations : When you provide services to a Medicaid member from another state, you must accept that states Medicaid allowance ( less any member responsibility such as copayments ) as payment in full. Please note that billing out-of-state Medicaid members for any amounts in excess of the Medicaid-allowed amount for Medicaid-covered services is specifically prohibited by federal regulations ( 42 CFR 447.15 ). -XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (DE).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

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 11/29/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (NY).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: I applied for the XXXX XXXX from American Express toward the beginning of XXXX XXXX. 

On my XXXX XXXX, XXXX statement it states that XXXX points were earned. 
The cardmember agreement attached herein, ( page 3 of 4 ) states, " We transfer the points you receive to  your XXXX XXXX program account after the end of the billing period in which you received them ''. 

I noticed that on page 5 of 11 of my XXXX XXXX statement, that the terms were to be updated as of XXXX XXXX, XXXX to- " We are adding language to clarify that bonus points will be posted to your XXXX XXXX account 6 to 8 weeks after the end of your billing cycle. To be eligible to earn the bonus points, your account must not be canceled or delinquent at the time of bonus fulfillment. '' As such, I waited 8 weeks and then some before filing this complaint even though this was not required according to the terms that governed my account at the time of my XXXX statement. Additionally, my account is currently active and is not delinquent. It would seem that American Express has not fulfilled their responsibilities in this matter. 

During this period, I did call several times to try and resolve the matter, to no avail. 

I have no recourse at this point other than to file this complaint. 

I have also seized spending on this account and redirected it to other credit cards that I hold that do award me the points or cash back that I was promised and am entitled to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/26/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (NC).
Issue: Loan servicing, payments, escrow account

Complaint: I have a house in XXXX and was living in XXXX when my loan was sold or given to Nationstar. During that time of my loan going to Nationstar my 2 payments were sent back to my checking account and I was behind on my payment and not aware that they had my loan until then. I had to call the old mortgage company to find out who had the loan and I caught the payments up. But at that time they had sent someone to the house and they ripped the glass storm door off the frame and the door is no good and the front door has to be re-framed and a new glass door had to be bought. Then the person went to the back door and changed the lock and broke the frame where we had to re-framed because the door knob would n't even keep the door closed. 
We moved back in the house XX/XX/2015 and have made calls everyday about what they were going to do about it. They have told me that they are checking into it and will advise me the out come and it been over a month. 
I have spent over {$1500.00} to buy a new door and reframe both door and they charged me for the person to come and destroy my house.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax Security Breach - notified that my information was most likely affected.
I put a 90-day fraud alert on my credit activity with the 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (NY).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: on XXXX/XXXX/XXXX I got a fraud alert on on my computer from Chase asking me if a purchase form XXXX XXXX ( XXXX ) for {$5900.00} was mine as it did not fit my  pattern of behavior. I said no and they immediately closed down my account and sent me a new card and credited my account for the purchase. About one or two billing cycles later the charge reappears on my account. I called Chase and asked why and they said that XXXX says it 's mine. I disputed the charge and was again told that XXXX still says it 's mine. I made a few calls and spoke with the Security director oXXXX XXXX. They said it was charged to my account and sent to my address and that 's that. I asked for and received a copy of the XXXX receipt of delivery. It was signed on XXXX at XXXX which is a Wednesday at which time I am at my desk in another state ( NJ ), with my name but is not my signature. The name was simply spelled out in pseudo script.I explained to them that I live in a doorman building and we do n't sign directly for packages. The doormen do on a computerized system. I asked for and received a copy of the computer log from the co-op management and, of course, I received no package from anyone on that day. I have since spoken with a dozen people from Chase 's Fraud dept.after again filing a dispute with them. They say that XXXX wo n't relent and that it is my charge. From the people at XXXX and Chase I learned that it was a phone order, I have no idea where the order confirmation was sent but I received none, and the the item purchased was a XXXX Handbag for {$5900.00}!! I just filed an XXXX report but the charge is still on my account. I will not pay the charge and want it, and any accrued interest on the charge refunded and damages for four months of sleepless nights and aggravated days that I have had to suffer. My assumption is it is someone at XXXX as they are the only ones that have access to those delivery receipt computer machines.

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2017 about Credit card () with SYNCHRONY FINANCIAL (NJ).
Issue: Billing disputes

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days late on XX/XX/2015 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

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 10/16/2015 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX on or about XXXX/XXXX/2015 on EQUIFAX credit file. I did not authorized or give permission to anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus and have them remove the unauthorized and fraudulent hard inquiry immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Home Point Financial Corporation (PA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: This in response to complaint # XXXX. I want a copy of what this credit bureau was sent for them to mark as a inquire. From my understanding in order to pull my credit report they need a sign copy for authorization to do so. That 's what I want Provided to me. If they ca n't provide that I want it removed immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-12-2016 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (TX).
Issue: Money was not available when promised

Complaint: On XX/XX/2016 at XXXX cst I commenced a transfer of {$40.00} to a fellow collegue and during this transfer of monies paypal commenced to placing a hold on the funds as they were posted and moved from my account to his. I contacted paypal as there seemed to be alot of the same issues going on for myself amongst others I had spoken with that did business with Paypal. XX/XX/2016 at XXXX cst I built my way up the management ladder and ended up speaking with a mgr by the name of XXXX in the Paypal Customer Securities/Payments. At this time I had already spent about hour or more weaving my way through c/s reps whom seemed to be less than knowledgeable in their job duties with the companies and were of no help with resolving the matter. When I sent the funds I contacted Paypal to make sure the issue didnt arise and was assured it would n't and here we are and Paypal currently is holding the funds and will not release them to whom I sent them to or back to myself.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2015 about Credit reporting () with Experian Information Solutions Inc. (WI).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Placed judgement on my credit report, after I had them remove inaccurate information in collection, so they removed it as a collection and unlawfully placed it as a judgement. I was never notified I was being sued by anyone, requested paper showing court summons never received them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/21/2015 about Credit reporting () with EQUIFAX, INC. (IN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am applying for a home mortgage and all XXXX credit entities show an outstanding bill for XXXX ... 
I have never had an XXXX account. It does not belong to me and needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I recently reviewed my credit reports and noticed some errors. On XXXX XXXX, XXXX I wrote a letter to the Equifax credit reporting agency to investigate these errors. The error in question is related to credit inquiries which do not fall under the allowed " permissible purpose '' as described by the Fair Credit Reporting Act 15 U.S. Code 1681b. On XXXX XXXX, XXXX, I received a response back from Equifax indicating that an investigation had been done. The investigation results only stated that the inquires are " a factual record of file access ''. with no further information provided. The results of the investigation that I received does not follow 15 U.S. Code 1681i - Procedure in case of disputed accuracy describes in detail the procedure that is supposed to be used for proper investigation or errors by Equifax.. As described in the Fair Credit Reporting Act, I asked for Equifax to supply me with - the name and title of the person that requested my report - the date that I allegedly gave permission - And the method that I the creditor claims that i allegedly gave permission. I asked to include documentation. ( none received ) Instead in the response I received from Equifax, I was asked to contact the creditors in question. ( essentially, I am the one being asked to conduct the investigation! ). No further information was provided. This does not follow 15 U.S. Code 1681i -  Procedure in case of disputed accuracy of the Fair Credit Reporting Act which Equifax is legally required by law to follow. In light of this, I am appealing to the CFPB to intervene. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2016 about Prepaid card (General purpose card) with AMERICAN EXPRESS COMPANY (TX).
Issue: Fraud or scam

Complaint: I 've had an American Express Serve card for at least a year, maybe longer. I got the AMEX XXXX ( prepaid ) card because there are NO FEES, which is wonderful. My purpose in getting the Serve card was that every time I get paid by my employer, I put {$300.00} on the card. That {$300.00} is used to pay for food items, so until last week, that is all I had ever used the card for. But last week, I bought {$20.00} of gas ( paying at the pump ) with the AMEX XXXX card. Before I started pumping the gas, I checked my card balance, which was about {$95.00}. I bought {$20.00} in gas. Next thing I know, I get a " Low Balance '' email alert from AMEX advising that my card balance is ZERO!!!!! That 's because the gas station charged my card {$100.00} for {$20.00} in gas!!!!!!! I was FURIOUS. I called AMEX and told them I wanted to report FRAUD and THEFT because the gas station took {$100.00} from my card even though I only bought {$20.00} in gas. The AMEX representative told me THAT IS NORMAL and LEGAL. I said NO IT 'S NOT so are YOU going to refund my money or do I fight with the gas station???? After keeping me on hold for 10 minutes, the AMEX rep came back and said they issued a refund of my money but that I can not use the AMEX XXXX card to pay for gas AT THE PUMP ; you have to pay for gas INSIDE the store. WHY IS THE AMEX prepaid card allowed to be treated ANY DIFFERENTLY than a debit card? The money is taken off the card IMMEDIATELY. This is the XXXX century. There are not more " wait XXXX-7 days before your transaction shows up ''. THIS IS DISGUSTING and SHOULD NOT BE ALLOWED. I happen to always have about {$2000.00} in my normal checking account ( debit card ), but what happens to honest to XXXX POOR PEOPLE who ONLY have prepaid cards and then they use it to pay for gas at the pump and the gas station takes {$100.00} off their prepaid card and they have to wait XXXX10 days to have their money refunded??? THIS SHOULD NOT BE ALLOWED. I hope the CFPB can and will do something about this GROSS INJUSTICE. Thank you. XXXX / XXXX Texas

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Enterprise Acquisitions (WI).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX XXXX XXXX a collection agency has contacted me via mail and I 've never given them my address. They are reporting fraudulently on my credit report for XXXX, it was removed from XXXX. I was in chapter XXXX the summer of 2013 and did n't discharge until XXXX. The original creditor was XXXX XXXX XXXX XXXX which I rented as part of my Car insurance and they are saying I owe them. Which I do n't because anything associated with this car accident was included in my bankruptcy.

Company response to consumer: Untimely response
Consumer complaint received 03/16/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I do not owe such a debt this is a mistake my insurance paid this, remove this account listed XXXX FOR XXXX INACCURATE DATA

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 11/27/2017 about Mortgage (Conventional home mortgage) with Franklin Credit Management Corporation (PA).
Issue: Struggling to pay mortgage

Complaint: Several months ago I fell behind on my payments. I initially tried to send extra payments to mortgage company but the payments were sent back. I filed a loan modification application but was denied. An XXXX XXXX was sent to me so I used XXXX XXXX to assist me. We filed an appeal which was denied but of some in accuracies in the budget. XXXX XXXX ( XXXX XXXX XXXX ) has been trying to resolve this matter with franklin credit management but to no avail. We sent another timely appeal to franklin credit management but they still havent replied.

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2015 about Consumer Loan (Vehicle loan) with Byrider Franchising, LLC (IN).
Issue: Managing the loan or lease

Complaint: CNAC ( J D Byrider d/b/a CNAC aka XXXX XXXX, XXXX XXXX, XXXX, IN XXXX, XXXX ) delivered a Faulty automobile title, + held my own sale hostage while demanding a phony claim payment of {$110.00}. My CNAC statement clearly and unequivocally states " Paid in Full - No Balance Due ). 
On XXXX XXXX, XXXX I purchased a XXXX XXXX XXXX XXXX at J D Byrider / CNAC, and used their CNAC financing. 
On XXXX XXXX, XXXX I closed my loan with CNAC and received a signed statement " Payment in Full, no balance ''. 
Upon closing my sale of my car XXXX yrs later on XXXX XXXX, XXXX, I discovered that CNAC had in XXXX sent me some sort of FAULTY DUPLICATE Title ( of which I had no knowledge or awareness necessary to ID a faulty/unacceptable title ). CNAC now ( on XXXX/XXXX/XXXX ) claimed some bogus balance due + interest/fees equaling {$110.00}. They would not provide the actual title unless I paid them. SO CNAC held my sale HOSTAGE for an INAPPROPRIATE, PHONY claim. I did not expect this problem so I did not have the Signed statement re " Payment in Full, no balance ''. I had no choice but to pay CNAC, otherwise I would lose my sale. 
As a large financial firm, I can not believe this is an innocuous, honest mistake. Rather this appears to be a phony rip-off, hoping that prior customers do not have their paperwork, allowing CNAC to strong-arm customers for bogus fees and claims, while using faulty titles as XXXX mechanism. 
And regardless, as a large financial firm, CNAC/J D Byrider has a duty, including Truth in Lending standards, to maintain accurate records and provide accurate, honest documents. 
Upon requesting the assistance of the XXXX, CNAC chose to blatantly ignore and not even reply to XXXX XXXX inquiries. A reputable company with a legitimate position on a matter would never just ignore an inquiry. That intransigence further indicates CNAC is knowingly and willfully engaging in Faulty Claims, Faulty Documents, Misrepresentations, and numerous Truth-in-Lending violations and disregard.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2015 about Student loan (Non-federal student loan) with AES/PHEAA (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: AES http : //www.aessuccess.org/ is a company that handles my XXXX private student loans : XXXX loan is in my name solely and then the other XXXX are co-signed ( XXXX by my mother and XXXX by my father ). All XXXX of us log in separately to AES website to pay our individual bills. My complaint is against their customer service and their website on how the loan and billing information is displayed and how the payments are distributed. The information is misleading and the balance does not always accurately reflect a true balance. I logged in this month and the system showed me a balance which matched the exact amount that I have paid on the loans solely in my name for the past 10 years only to find out that AES applied that money to the loan my father co-signed on because his was also due. The information their website showed me did not give me any reason or indication that the money I was sending was going to be applied differently. When my father logged in to pay, his amount was less ( because my money paid part of his loan ) and now my account is delinquent. All three of us logged in and at the time of log in, satisfied the payment balance ... but their system is glitched or does n't properly show the information because the full balance was n't paid because their system never accurately showed the information. Money was sent to the wrong place and then because of it, the wrong balance was shown to my father who then paid less than he usually does ( thinking the rate changed or something happened to lower the payment ). It 's confusing. It creates undue stress and anxiety. Their system needs looked at and their customer service investigated. The supervisor, XXXX, also gave me conflicting information and admitted that she read the screen wrong. Which leads me to believe they struggle with getting accurate information out of their own system. Please investigate and help.

Company response to consumer: Closed with explanation