milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-11-2016 about Bank account or service (Checking account) with Fidelity National Information Services, Inc. (FNIS) (SC).
Issue: Making/receiving payments, sending money

Complaint: When attempting to buy a generator after a hurricane my check was declined by Certegy Check Services. I have had multiple problems with them in the past with declining checks saying I did n't have enough history with them. When I was finally able to get a check approved Certegy sent it off to collections with in a week saying it was unpaid even though my bank shows it paid after talking to them it was found to be an error and they where going to send a letter to me to get my fees refunded from my bank and that never happened. That has made me loose several XXXX dollars in fees to my bank. Fast forward to today when attempting to call for three days in a row since XXXX XXXX and wasting 6 hours I can not talk to anyone to figure out the issue. Certegy has not learned from the FTC lawsuit and is still preventing customers from spending their own money. Their VIP program that is supposed to make writing checks easier is a joke. It is just a way to force consumers to do business with them. I am tired of having to waste my checks that I have to pay for.

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 05-10-2017 about Debt collection (Medical debt) with Medical Data Systems, Inc. (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I requested validation of the alleged debt. I received a letter dated  XXXX   XXXX ,  2016.  The first paragraph stated, We are in receipt of your letter of dispute and request for verification pursuant to Fair Debt Collection Practices Act. Regarding your demand for verification including original signed contracts, copies of state licenses, and our agreement with original creditor listed on this account, etc., THERE IS NO BASIS IN LAW TO SUBSTANTIATE YOUR RIGHT TO SUCH INFORMATION.   It is evident tha t Medical Data Systems do n ot have proper documentation to collect this invalid debt. I have the right to request documentation with my physical signature ; as identity theft is at an all time high. Ive sent a complaint to BBB as well as Im in distress with the tactics of this company and how theyre destroying my credit worthiness. Feel free to respond to this complaint wit h HIPPA RELEASE, Medical  records and/or documents signed by me. If f Medical Data Systems h ave a right to collect, then they have a duty to produce legitimate validation until I receive documentation requested ; m y HIPPA rights  have been violated!!!

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2015 about Mortgage (FHA mortgage) with LAND HOME FINANCIAL SERVICES (AZ).
Issue: Application, originator, mortgage broker

Complaint: XX/XX/XXXX we started looking for a new house. We found a model and an area that we wanted. 
We put money down, did paperwork, and everything else that 's required to get a home loan. 
The rest of the nightmare is listed in the attached Buying house.txt file along with XXXX other PDF files.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2017 about Debt collection (Payday loan debt) with WORLD ACCEPTANCE CORPORATION (OK).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I, XXXX XXXX XXXX, SSN # XXXX, told World Acceptance, which was originally Midwestern Loans, the XXXX XXXX 2011 loan they have under my name and negative on my credit report is not mine. I told them to send me a copy of original contract, so I can prove that the signature on the loan is not my signature and that the loan was not acquired by me and is fraudulent loan. They said XXXX XXXX has the original documents and I have to contact them to get what I need. XXXX XXXX and all three credit bureau 's said the only one that could have the loan removed from my credit report is the original creditor World Acceptance, again originally Midwestern Loans. The loan expires off my credit report in 10 months, but it is not my loan and I want it removed now, before I am forced to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2017 about Debt collection (Medical debt) with Professional Adjustment Corp. of S.W. FL., Inc. (FL).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: yesterday, I called the professional adjustment corp to be presented to the owner named XXXX. I sent a letter asking for verification for this alleged debt, I was sent procedure codes, pretty much my medical history on four accounts that at the time I had no knowledge of. I called the original creditor to speak with a representative on the phone for an hour explaining to her that I never gave permission for a debt collector to have this information as this contains sensitive information regarding hippa. to even get my own information from the records department, I must pay for it, but it scares me to no end how this collection agency could have my medical information. fast forward I called this XXXX on XXXX-XXXX-2017 explaining to her that she had violated hippa enforcing the laws of the fcra for consumers, she immediately got very defensive as she started yelling over the phone and to tell me do what I need to do. since phone calls are monitored and recorded, I kept this on record because as a consumer I do n't need anyone talking to me with such disrespect. I am a grown man and will and shall tolerate it. she slammed the phone in my face afterwards and hung up on me. she has knowingly violated the law. I do not acknowledge the debt because I never signed a contract with this agency. She also called me a liar over the phone an accused me of not speaking to the original creditor which I did as soon as I received her letters. I was on the phone with the original creditor when she too hung up in my face. funny how you expect us to follow the laws but here you are breaking them in multiple ways which by the way of violating my rights. XXXX is very disrespectful and have no regards to the law. I will not back down from this and I demand all trade lines to be removed from my credit profile, you are slandering my reputation. again, I have never gave this agency permission to access my medical information. I have no contract with the professional adjustment corp and there is no bill that states I have a contract with the professional adjustment corp. they did n't provide any service that I signed for. I will also let all three credit bureaus know that this agency has taken my information without my consent which also constitutes a fraud. you have access to my medical records without my consent, two you are accessing my credit profile without my consent, three you have opened 4 accounts which your agency has failed to sent me a letter about this alleged debt. I want this off my credit profile.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Specialized Loan Servicing LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage servicer, SLS, has put insurance on my property since they claim I did not have coverage. My agent sent them information at least 3 times and no one at the company looked at the information nor notified me that they needed proof of other coverage. I had the condo association coverage sent to them. They wanted my personal coverage. I have always had coverage but by the time they finally said I had sent them the wrong information they had already put expensive coverage on my loan and started an escrow account. They want to charge me over {$1000.00} for coverage which has cost me only about {$200.00}. I called about this and the woman on the other end hung up. I think they do this as a total rip off to the customer. I am sure they earn a big commission on this very expensive policy which really does n't have much coverage for them. The main condo building policy is the most important which was sent to them 3 times.

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 05/16/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: On XXXX XXXX, 2016 I submitted a {$180.00} payment ( via XXXX ) with my bank ( XXXX XXXX XXXX ). According to the bank, the transaction was successful. 

Navient has been merging with and/or consolidating my loans with XXXX XXXX XXXX. XXXX XXXX XXXX is taking over the account in full ( XXXX capacity ). I have been I have been making on time payments to XXXX XXXX through the Navient Account # ( XXXX ). In the recent past, I would be able to see these payments on the Navient website as successful. 

On XXXX XXXX, 2016 I received a mailing from XXXX XXXX XXXX. It is dated XXXX XXXX, 2016. It gives me my new loan number ( XXXX XXXX XXXX ). To reiterate, I 've already made a payment on XXXX XXXX, 2016 to the other account number ( XXXX ). I called XXXX XXXX XXXX on XXXX XXXX, 2016 at XXXX am in order to get that particular payment transaction successfully transferred and finalized, to no avail. The representative told me that it would take at least XXXX days before the transfer would take place. In the meantime, if the payment shows late then it is my fault and it will reflect on my credit regardless what the representative says.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Debt collection (I do not know) with JPMORGAN CHASE & CO. (KY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: They call everyday at all ours of the day for the past month the number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (CO).
Issue: Account opening, closing, or management

Complaint: On XXXX/XXXX/16 I opened a XXXX checking account with an offer stating I would receive XXXX Thank You points ( worth approx. {$400.00} ) after meeting certain criteria. I then met those criteria, confirmed with a Citi representative that I had met the criteria, and was told to expect the XXXX Thank You points to be deposited into my account by XXXX XXXX. Now, after confirming this promotion was applied to my account, confirming that I had met the requirements, and confirming that the points would be deposited by XXXX XXXX, Citi has pulled a bait and switch. They have suddenly decided I do n't qualify and that I an offer bonus code was never attached to my account. Now I will not be getting {$400.00} worth of Thank You points. I 'm not alone. Hundreds of people are in the same situation as me. I 've done google searches and found forums full of people having this problem. It 's not right. I 've been lied to. Something needs to be done. I hope enough pressure can be put on Citibank to make them honor the promotion they already told me I qualified for.

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 08-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (ID).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I filled Bankruptcy in XX/XX/XXXX and it was finalized in XX/XX/XXXX. I am asking for all three reporting agencies to remove the remarks from public records. I realize that they have the right to report up to 10 years, however given my payment history since then i am requesting an early dismissal of that reporting. At this point its simply defamation of my history because in fact i have a stellar history for the last 9 years. Please let me know what can be done about this. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2016 about Consumer Loan (Installment loan) with Worth Finance Corporation (TX).
Issue: Managing the loan or lease

Complaint: Worth finance is in violation of federal and state laws of consumer credit reporting. This account is reflecting open on my credit. It is to my understanding that loans are charged off at 120 days. I disputed this account and it came back as reported accurate, it is impossible for an original creditor to report an account charged off and open at the same time. This inaccurate credit reporting is affecting my civil rights to an accurate credit report and is tarnishing the accuracy of my credit score.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (CO).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Received a letter from the Debt Collector, Midland Credit Management , Inc. stating I needed to contact them to work out arrangements before suing me by XXXX/XXXX/2016. There letter states that they would work with me on payments that were flexible and affordable for me. I called them. The guy on the phone was rude and refused any payments I offered or any plans I offered to pay which I am unemployed and unable to work. I was told if I did not pay what they were wanting that they will sue me. They threatened me and refused to work with me even though their letter stated otherwise and I was offering to pay {$20.00} a month on {$1000.00}, which is all I could afford being unemployed. They did n't offer any assistance or anything and said they will pursue with contacting a lawyer and suing me even though I called before the date they asked and tried to work out something affordable/flexible for me. They REFUSED anything I offered.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have a student loans with Fed Loan Servicing account # XXXX the interest rate is outrageous XXXX % for loans dispursed in XX/XX/XXXX and XX/XX/XXXX that is more than XXXX % above the current and previous prime interest rate.I have asked for assistance however they will not reduce the rate and will not allow any loan forgiveness even thought my daughter herself qualifies as a special educator. 
I am XXXX and trying to retire they will not allow my daughter to take over the loans nor will they work with me in other than my death there is no options for assistance. 

How can this be ok? I tried to help my daughter and at the time we were completely mis lead, my daughter was lead to believe she could transfer the loans into her name and that due to her occupation she would receive Teacher loan forgiveness. None of this ended up being accurate or true. Now I am stuck in a horrible situation.

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

Complaint: Equifax had a security breach that they did not tell consumers about until months after the fact. This breach leaves me very vulnerable, as it gives away all information that is needed to take on my identity. There was no way I could have protected myself against it because Equifax had control over my data without my permission. 

Now I have to freeze my credit reports ( including with Equifax ), which incurs a fee and additional administrative work to unfreeze if I want to change apartments, for example. However, the data that Equifax leaked can be used to unfreeze my credit reports, defeating the entire purpose. Equifax has not offered any reliable mitigation to the risk of identity theft - offering free credit monitoring with the caveat that we can not sue them is worse than other solutions they could have used, for example offering free credit freezing. 

This situation shows that Equifax can not be trusted with this important personal data, however I have no power to stop them from having control over my credit or my data.

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2015 about Consumer Loan (Vehicle loan) with CONSUMER PORTFOLIO SERVICES, INC. (AZ).
Issue: Managing the loan or lease

Complaint: Have several previous cases regarding this company and they never responded to the last update. I am not receiving daily calls after they assured me in writing that my account was place on a complete call block.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/19/2016 about Payday loan () with CNG FINANCIAL CORPORATION (OH).
Issue: Can't contact lender

Complaint: I was attempting to contact the lender so that I can end the revolving loan and make an arrangement to pay the balance. I have already made 3 payments to them and it has not done anything to change that amount due on the loan. I am wishing to close this loan and make a more reasonable payment schedule so that I can get out of this financial burden. When I finally got in touch with a representative they we 're not willing to hear me out or discuss options so that I can pay off the loan without needing to get another. This is the first time I used a service such as this and I vow to never do it again. All I want to do is close the loan and pay back what I borrowed in a way that is affordable to me. Also the loan documents are dated to show I refinanced on XXXX XXXX 2016, when it actually occurred on XXXX XXXX, 2016.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with SECURITY CREDIT SYSTEMS INC (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have been repeatedly contacted by phone and through the mail by Security Credit Systems Inc in XXXX XXXX about charges from XXXX College in XXXX, XXXX, which I attended under the Trade Act, which covered all tuition, books, fees, and required materials ( in addition I also received XXXX State Grants each semester ). All charges should have been covered by either the Trade Act or the State Grants. I have repeatedly requested information specifying what the charges were for, and received a print out provided by the XXXX which indicated only " XXXX XXXX, '' with no itemized information provided. I recently received a letter from Security Credit Systems Inc which said, in part, " ... Because of your neglect we may be forced to recommend further collection activity. '' I find that statement to be threatening and harassing given that I have repeatedly requested information regarding what the charges are for, but have never received that information, and that is why I am reporting this collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Have filed disputes more than once about this very account I have yet to receive documents stating this my account and not just saying verified. Please remove this from my credit report at once. Fair credit act.

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 12/28/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (WA).
Issue: Other transaction problem

Complaint: I made a purchase on XXXX/XXXX/XXXX for {$1500.00} worth of bitcoins. XXXX XXXX XXXX. 
The estimated arrival day that was provided was on XXXX/XXXX/XXXX. It is now XXXX/XXXX/XXXX and I have yet to receive any of the bitcoins I purchased even though the bank transfer was completed. 
I called the company and was on hold for more than 2hr before getting to speak to a representative. In the middle of our conversation the call was drop and I was unable to receive any assistance. I later received on email from the company support, where I provided all the information for them to correct the issue, but as of now nothing has changed. 
All in all it 's been almost a month and I have yet to receive my bitcoins.

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. (OH).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Was made aware on XXXX XXXX 2017 that over 140 million SSN, DOB, address and DL profiles were stolen from Equifax. I am one of those millions. This puts me and my financial health in tremendous risk. This is unacceptable, it 's not like we have a choice not to use Equifax. Also, it was made apparent that insider trading occurred, as executives at Equifax sold shares of their company after they were hacked, but before this was made public, and this is against the law.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have a 2013 bankruptcy that was placed on my credit report. I have been trying for over 6mths to get this entry remove and deleted.I have spoken to several agents in regards to this public record. I called the credit bureaus to verify how they obtain they information on public record..I was informed that carriers gets the information from the court house and then brings it back to the Credit Bureaus for input.So I asked that information/form be sent to me cuz I needed proof of this information.I was told they can not give me that information. After doing my own research I learned that is Absolutely incorrect information.The court system DO NOT disclose, release or VERIFY ant information wit The Credit Bureaus or Any 3rd Parties. so with that information This bankruptcy entry needs to removed and deleted from credit report.

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