milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/24/2015 about Debt collection (I do not know) with Navient Solutions, LLC. (MO).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I learned of an alleged debt of {$3000.00}, when i was contacted by my Human Resources ( HR ) department on XX/XX/XXXX, stating that a request had been received to garnish my wages. A company by the name of Pioneer Credit Recovery ( PCR ) has apparently been retained to collect on a debt alleged from the department of defense from XX/XX/XXXX. This information was given to me verbally over the phone by an agent named XXXX XXXX of PCR, on XX/XX/XXXX. I advised her that I 've never received any requests, statements or notices for payment from this agency nor from PCR prior to speaking with my H.R. Department. XXXX XXXX told me that she would fax all of the applicable documents pertaining to the debt to me. I have not received any documents nor demand for payment letters to date. 

I 'm filing this complaint because PCR, has violated the fair debt collection act ( FDCPA ) by failing to send me a debt validation notice prior to proceeding with legal action. They have failed to properly validate my debt after written and oral requests for the applicable validation documentation. They have not allowed me due process in defending my consumer rights and these actions on the part of PCR are all consistent with violations to the FDCPA. 

I demand that the efforts to garnish my wages be, extinguished until I 've been properly notified of the alleged obligations to a debt of more than {$3000.00}, which is completely unfounded. 

These accusations are false and i intend to prove, that i do not owe money to the dept of defense.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (NJ).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: I noticed that I was not receiving the promotional terms that I expected. O  n   XXXX   XXXX   2017 I asked why I did not see the expected  XXXX  points bonus on restaurant purchases applied to my spend to date. The research was concluded on   XXXX   XXXX   2017 with the conclusion that I am not eligible. This was communicated to me when I asked on  XXXX /2017. Attached is the expected promotional terms around the time I applied.
 XXXX 
 XXXX  bonus points on restaurant spend  XXXX  points on all your qualifying purchases on your first $  XXXX  for the first year plus on top of that a 30 % annual bonus 12 months 0 %

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (LA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Enhanced Recovery Co placed a derogatory on my credit report in XXXX XXXX. I have never been contacted by this collection agency. The only collection agency that contacted me was XXXX XXXX. I received a letter from them on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, I sent a letter of dispute via registered mail. I disputed a portion of the bill because I had terminated my service with XXXX XXXX XXXX on XXXX XXXX. They billed me for service from XXXX for XXXX. I was also disputing how they arrived at the past due amount of XXXX. To date no response was ever received from XXXX XXXX. Nor has Enhanced Recovery Co ever contacted me.

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 09/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I am a victim of the Equifax hack. After learning of my exposure I tried to have my credit frozen with all three credit services. 

Equifax would only help if I signed a document relieving them of any legal suit. 

XXXX 's website crashed while processing twice and told me to call a number where the representative XXXX told me she could n't do anything and then transferred me to her sibervidot which was an inactive number/ hung up on me. 

XXXX 's website recommends buying their protection plan - just a way to profit more than the {$10.00} they charge to freeze my own information. 

So in the end my wife and my information is released and I have no way of protecting it through legal means other than paying these same companies even more money for nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2016 about Credit reporting () with EQUIFAX, INC. (AZ).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I have a voluntary credit freeze on my account with Equifax. I am attempting to refinance. The online temporary freeze lifting tool will not work and advises me to send a letter with payment. I sent a letter to XXXX at the address as instructed and enclosed payment. Now, 15 days later, the check has not cleared the bank, the freeze is not lifted, there is no telephone or email support available from Equifax and my banker is advising that my rate lock could expire because they are unable to run the XXXX bureau credit merge report on me.

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: I went on annualcreditreport.com. I wanted my credit score from TransUnion so I agreed to pay the fee. However, I feel it was not made clear to me that I would be charged a month fee from that point on until I proactively cancelled. I think this is underhanded and they are taking advantage of countless citizens that are not clearly aware of the contract they are agreeing to when requesting a score which in my opinion should also be free once per year. I feel I was tricked and they refuse to give me my money back.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Subject : Problems with XXXX Deleting Defaulted Loans In XXXX, I got into a Loan Rehab program for my defaulted loans with the servicing provider XXXX ( XXXX ) who was the gurantor and servicer of my loans since XXXX. They agreed to delete my loans from default and remove them from my credit ( See, Exhibit A1 and Exhibit A2 ). I successfully completed the rehab program in XXXX, XXXX. I contacted ( XXXX ) directly and they said they notified XXXX XXXX/Navient to remove the credit file from each of the credit bureaus. ( XXXX ) told me that it should take up to 60 days for XXXX to remove it according to 34 CFR 682.405 - Loan rehabilitation agreement. It has now been close to 500 days and they have not been removed. ( Exhibit " B '' is a sample listing on XXXX showing defaulted loans ). XXXX also stated that the problem is with XXXX and Navient because they handled there part. 
I 'm preparing to shop for a mortgage and was told those defaulted loans still showing on my credit will keep me from getting the best interest rate. I 'm requesting your assistance to correct this error that is being caused by either XXXX, Navient or XXXX on these loans since the defaults do not reflect my current payment status and agreed upon rehab arrangements. 
Bigger Issue : XXXX has split into Navient Solutions and XXXX, but they are the same exact company. On my credit reports with XXXX every few months those loans appear by different names, sometimes XXXX and sometimes as Navient Solutions. I have contacted Navient Solutions several times and they refuse to help. I have asked the XXXX credit bureaus to help as well. The last time I asked for help from credit bureaus ( Exhibit E ) was on XX/XX/XXXX. I also asked XXXX to remove these items as well ( Exhibit C ) and sent them a letter ( Exhibit D ) on XX/XX/XXXX. I am needing for the original owner XXXX to remove these defaulted loans from my credit immediately as agreed with the service provider who handled my account at that time. Also on XXXX of my credit reports Navient Solutions is listed for the accounts that started in XXXX even though Navient was formed in XXXX. I know that Navient and XXXX is operating outside the laws of the land. This gives them no right to continue to harm my credit like they are doing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-11-2017 about Debt collection (Medical debt) with Smith, Rouchon & Associates, Inc. (MS).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Smith Rouchn-XXXX {$550.00} I write this company directly an inform them this payment was n't mines. Did n't received an reply so I am trying another step.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2016 about Money transfers (Domestic (US) money transfer) with JPMORGAN CHASE & CO. (CO).
Issue: Fraud or scam

Complaint: My brother and I located an ad on XXXX offering discounted airfare. Contacted the ad, was advised that they could book our airline tickets at a discounted price. The other person booked our air, provide us with confirmation numbers, I even called the airline to verify. 

My brother thought it was ok since we had proof of our tickets. He wired {$5200.00} to the receipents bank. Two weeks later XXXX out of the XXXX tickets booked were canceled per the airlines due to fraud. I then contacted my bank and the receiving bank. The receiving bank advised to file a recall wire transfer, we did so. Plus the receiving bank wanted an indemnification agreement. Our bank refused saying that our situation was not classified as fraud. It is fraud. I have police reports as well as fraud reports to prove otherwise. The gentleman who took our payment for the airlines basically laughed at us telling us there was nothing no one could do even the fbi

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2016 about Bank account or service (Checking account) with CHARLES SCHWAB CORPORATION, THE (IL).
Issue: Account opening, closing, or management

Complaint: I opened a checking account at Charles Schwab and received a confirmation letter indicating that a principal had verified my information and that the account was opened ( the letter is attached as a reference ). I proceeded to set up online access and linked my eternal bank account. Charles Schwab deposited trial deposits into my external account and I verified them on the Charles Schwab website as instructed. I setup a transfer of {$50.00} to fund the account, so the debit card would then be sent out. Additionally, I was beginning the process to setup direct deposit. The subsequent day I tried to log into the account via online access and the mobile app, but was denied. I called Charles Schwab and they said my account had been closed. The representative indicated that after opening the account they received information that I did n't meet the criteria of their account standards. The issue I believe to be of concern here is that I received a letter which clearly states that the account was opened and the information I provided was verified. How can an account legally be opened ( information verified ) and then revoked for no cause?

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2017 about Mortgage (Conventional home mortgage) with PROVIDENT FUNDING ASSOCIATES (IL).
Issue: Trouble during payment process

Complaint: I sent a check to payoff my mortgage with Provident funding. They received the payment on XXXX/XXXX/XXXX and they posted it in my account on XXXX/XXXX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This debt has been placed on my credit report multiple times, this is incorrect and needs to be removed as it is preventing me from buying a home.

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have 3 student loans that are closed on my report but it is reflecting late payments from XXXX and XXXX XXXX these accounts was never late this year, it is inaccurate.I have contacted all credit agencies and the information is still reflecting inaccurate information. The information can not be verified because it is not accurate but they are still reporting as such.

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 05/18/2015 about Debt collection (Payday loan) with Enova International, Inc. (VA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: My name is XXXX XXXX and this is in regards to my my brother, XXXX XXXX, who took a payday loan out with Cash Net USA in XXXX XXXX according to XXXX XXXX with Cash Net USA who provided me this information today XXXX XXXX, XXXX because he was thinking I am XXXX. XXXX XXXX never paid the loan back, and since he gave my name and number and my sisters names and numbers on the application, Cash Net USA and a private locator by the name of XXXX XXXX that they have hired, have been calling us and harassing us about the loan. XXXX XXXX leaves threatening messages stating that the message is for XXXX XXXX and that if they do n't get in touch with XXXX that they will have to take legal action in court. From that message, anyone listening to it can tell it is regarding a debt. Those messages are embarrassing to us and we do n't want our children or spouses have to listen to those types of messages left on voicemails. We never gave Cash Net USA or XXXX XXXX authorization to provide our phone numbers on the application. That was done without our authorization. We have nothing to do with this debt and Cash Net USA and any individuals, like XXXX XXXX, that they have hired, should not be calling us at all or discussing the account with us at all that they have done. We do not have anything to do with XXXX XXXX as we do not speak with him and do n't want anything to do with him. All of us have been estranged from him since XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2016 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (NY).
Issue: Credit decision / Underwriting

Complaint: many years ago a mortgage broker defrauded my mom and i by putting her on the mortgage and me on the deed, ,this is my home not hers and it was my down payment..after years of attemptong to correct this error the loan was taken over by ocwen who eventually let me assume my oqwnloan and gave me a huge ballon payment and to make mattters worse they wrongfully reprted to the credit agencoies that i missed XXXX payment when my name wasonly put on the mortage 4 months ago ... ... because of this i was denied a loan for an apparatus that i need for a XXXX child that the state will not cover ... so far they have not corrected their error

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Byrider Franchising, LLC (OH).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XX/XX/17 disputes sent through all credit bureaus regarding closed accounts still reporting on credit report after discharged bankruptcy. XXXX  responded saying the account information is correct. All closed accounts should be removed as they are no longer my responsibility to pay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: To who m it may c oncern, I called  XXXX   XXXX  and spoke to a woman by the name of  XXXX  in reference to a late payment of more than 30 days past due at not fault of my own.  XXXX  was quite rude and condescending while I was trying to explain the situation and remedy the problem. The situation arose because I purchased a new boat and traded in my  old one a nd there was an error that resulted in the payment from the boating company to the loan provider being late, more than 30 days which negatively impacted my credit. When I noticed the huge impact ( a decrease of  XXXX  points ) on my credit, that I have worked so hard to get to a good point, I called  XXXX    XXXX   and spoke to  XXXX  who again, was rude, condescending and provided no resolution or support and basically told me, " It 's not their problem. ''

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NC).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Still being forced tobmake payments even while in school. They still reported my loan as not being paid on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2017 about Bank account or service (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Account opening, closing, or management

Complaint: The Capital One Bank purposefully and deceitfully blocks my application process for checking account despite I was targeted by them in a mailing. 
The answer provided by their office of the president is fictitious and it is meant to confuse and deceive. Both my PC requirements and the public library confirmed they meet browser criteria specified by message below. Capital One continues to block my application process and when I requested an alternative to solving the issues it was denied. 
Office of the President & lt ; XXXX & gt ; XX/XX/XXXX at XXXX To XXXXXXXXXXXX Message body Capital One CID:XXXX Capital One CID : XXXX CFPB Case No. : XXXX Dear XXXX, I appreciate you taking the time to speak with me on XX/XX/2017, regarding your inability to open a 360 Checking online. As discussed during our call, I wanted to follow up. 

After reaching out to our Technology Team, they discovered that you 're using an unsupported browser for the best experience when opening an account. Below is a list of supported browsers. 

Google Chrome : 55 Mozilla Firefox : 50 Internet Explorer : 11 Safari : 10 Chrome Mobile : 54 iPhone iOS : 10 iPad iOS : 10 If you have any questions pertaining to this letter, please give me a call at XXXX. I 'm generally available from XXXX to XXXX CT, Monday through Friday. 

Thanks, XXXX Office of the President Capital One

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2015 about Debt collection (I do not know) with Focus Holding Company (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: We are very tired of receiving automated calls from Focus Receivables Management caller ID number XXXX. The recording gives no information as to who the call is addressing or anything about the debt. We have no debts in collections. We make all necessary payments on time. They have the wrong number. Please help me make them stop calling!!!!!!!

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2016 about Debt collection (Medical) with I.C. System, Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I C systems has reported a medical debt from the same event as XXXX multiple occurrences listed as derogatory marks on my credit report. This debt should have been paid by my secondary insurance at the time was not aware of any balances would arise.

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 08/15/2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I FILED BANKRUPTCY IN XXXX 2011 AND INCLUDED MY XXXX XXXX XXXX XXXX # XXXX, BUT I DID NOT REAFFIRM. I HAVE NEVER MISSED A PAYMENT BEFORE OF AFTER MY BANKRUPTCY AND I WANT THIS STATUS REPORTED TO CRA.

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

Complaint: Dynamic Recovery Solutions LLC. used an automated dialer to call me on my cell phone several times without my express consent, in an attempt to collect a debt from a XXXX XXXX, violating the TCPA. On XX/XX/2015 I called Dynamic and asked to speak with their compliance department but the representatives kept asking me if I knew or if I could get a message to XXXX XXXX, repeatedly, over and over again, vilolating FDCPA 1692b ( 3 ). One representative passed me on to another representative who attempted to acquisit ( acquisition ) location information from me, more than once. 
On XX/XX/2015 I called Dynamic and the same thing happened all over again, violating 1692b ( 3 ). I finally talked with representative XXXX XXXX who said he would send my information over to their compliance department. 
Since my first call to them I told them I am XXXX and not XXXX XXXX. It has been impossible to speak to someone in the compliance department, when all I get are other debt collector representatives who continue to violate the FDCPA. Common sense, if my area code is not in the same area code, or State for that matter, the third-party debt collector should investigate a little better before attempting to collect from the consumer. See the XXXX v. Enhanced Recovery order.

Company response to consumer: Closed with non-monetary relief