milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/29/2016 about Debt collection (I do not know) with CITIBANK, N.A. (NC).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I just found out about the Consent Order vs. XXXX XXXX XXXX , XXXX. They sued me for a ( should have been ) Time-Barred Debt. 

My problems with XXXX XXXX XXXX. 
mirror nearly everything in the Consent Order that they were guilty of. 

I tried to go it alone at first. During the first day I went to court ( XXXX XXXX, 2013 ), they said I had been mailed a " Request for Admissions '' and I had never responded and no response means I said yes to the questions. I do not recall ever getting this, nor does anyone in my household ( and I stated so in court ). 

I receive other peoples mail in my box at least once a month. I can only assume that some of mine may go elsewhere too. 

I hired a lawyer to fight them in court, but we lost due to the " Request for Admissions ''. 

Many of the violations listed in the Consent Order, match up with my experiences with XXXX XXXX XXXX. 

1. Errors in the " Sale File '' including wrong account totals, page from a different account, no account level info. 

2. They did not investigate when I disputed the validity of the debt ( even in writing ) about having never made a payment. 

3. Called my phone at all hours, many times a day. 

4. Referenced legal action before any had begun. 

5. Only had " Request for Admissions '', could not provide any proof. 

6. Trying to collect on a Time-Barred account. 

I am sure there are more in the XXXX page Consent Order, but I think this shows how I was treated. 


I have not paid or said I would pay anything on the account, so I do not need/qualify for that part of the Redress. 

I did have to miss several days of work, hire a lawyer, do tons of research and backtracking to try and prove the SOL had passed, causing much stress ( I obsess ), worry and marital strife. 

I will attempt to attach a timeline of some events and a copy of my lawyer 's motions What I need to know, is how do I go about getting the Judgment dropped, my Credit record cleaned and my Legal fees recouped?

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I 've written 4 letters since XXXX XXXX, 2015 to Midland Credit Management to valid that I owe them. They sent me a computer generated copy someone printed out. No signature! All I 'm saying is I will pay them if they can supply proof I owe them. They ca n't, and they 've had since my first letter to them XX/XX/XXXX to valid it. What they did instead was notify the XXXX major credit bureaus to change my statues to " Disputed ''. The FDCPA clearly states that they have to stop collection activity if the consumer disputes. This alone is a violation of the law!!! I will not and can not make myself pay someone I do not owe a dime. I understand CONTRACT LAW will protect the consumer. Midland Credit have nothing with my signature on it agreeing to do business with them and they know it. Plus XX/XX/XXXX, they removed the XXXX accounts from XXXX and XXXX, then turned around and put them back. Please help if you can, because this is hurting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2015 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Using a debit or ATM card

Complaint: It appears to have started when i enrolled for a job at the XXXX USPS. I had them do a background check for me from a company called OPM.gov. On XXXX/XXXX/2015 I had my whole account from My XXXX/Visa debit card stolen from me in the amount of {$220.00}. The transfer was made from BOA in sacramento. I called BOA EDD/visa debit and told them i did not authorize this tranfer. they called it fraud and sent me a new card and said it would take 45 days to investigate. two weeks later they closed my clam and they did nothing wrong. They said they tranferred it to my bank account at The XXXX and there was no fault on their part and closed the claim. They told me to contact The bancorp.com. I tried calling them and they had no account under my name and asked for an account number. after calling BOA numerous times i finally got them to tell me over the phone the account they sent it to, after waiting yet another week to say they will mail it to me becase they can not give it over the phone, and failed to do so. after getting this info i called the bancorp.om and they said i do have an account. ( I never opened it and have no idea how this happened ) well they refuse to give me my funds. After calling numerous times to them i had XXXX one lady said the money is there and they will transfer it into a different card i will need to acquire from XXXX. I have opened a card and waiting for them to transfer it. after a week i called back and the same guy who refused to help me said he was going to the call the XXXX and tell them they ca n't do that and he wont tranfer the money. I was told tby the lady that she tranferred the money to them on XX/XX/XXXX and it is pending. if by saturday i do not get it i will call them back again and get furious. After notifying the FTC and filed a fraud alert, it was OPM.gov that said they may have been exposed to a cyberattack. I have fraud monitoring but do not know if the person who opened this account also have been draining my social security as well. my fear is that whoever opened this account at The bancorp.com may have opened up more things as well. all i want is my funds back so i can close both my XXXX/visa debit card and the XXXX account as well. but i have both of them telling me its not their fault and go back and forth. i am getting exhausted and drained from all this. i want to file apolice report but i have only the visa statement to show for it and the XXXX have not produced or will send me a statement or account ID so i can see where the funds have gone, when it was opened, and what kind of activity has been going on. Please help me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 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: I just switched over to XXXX last month since I was not pleased with Navient. 
I had XXXX and then Navient since 2006. The loan was settled by XXXX Last month. 
I called them a few times about the Income Driven Plan but each time I was guided towards the forbearance. I now believe they were wrong and did not take the time to help me. How would they know my need without even giving me the chance to apply.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2016 about Credit reporting () with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: On XXXX/XXXX/2016, I sent Experian a dispute regarding XXXX account # XXXX, along with documentation showing a judgment in my favor on that account ( See Experian Dispute XXXX, XXXX ). Experian listed the account as " Updated - A change was made to this item ; review this report to view the change. If ownership of the item was disputed, then it was verified as belonging to you. '' and failed to delete the inaccurate account. ( See Experian Response XXXX ). 

I sent a second dispute on XXXX/XXXX/2016 ( See Experian Dispute XXXX ). In its XXXX/XXXX/2016 response, Experian refused to reinvestigate the dispute, stating that " the credit grantor has verified its accuracy '' and that " we will not reinvestigate the same dispute again at this time. '' ( See Experian Response XXXX ). 

Experian failed to provide any details or documentation of its communication with XXXX or of any independent investigation. Additionally, Experian failed to explain why it is relying on the creditor 's " verification '' over a court order of judgment in my favor. I would note that XXXX responded to the same dispute by immediately and properly removing the account from my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with BARCLAYS BANK DELAWARE (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I have a hard inquiry on my account for a card from Barclays Bank that I never applied for. it is on my credit report and it 's hurting my chances fro certain things.

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 07/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SOUTHERN AUTO FINANCE CO (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have disputed this account which had been paid and it 's still showing in collection/charge off and negatively impacting my credit with XXXX. Account have been deleted with XXXX and XXXX but not with XXXX which is still pinging negative every month. Account have been settled since XXXX and account have been reporting almost 7 years which too old to still be affecting.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2015 about Debt collection (Medical) with CCS Financial Services, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: My daughter is currently being treated for immune deficiency, specifically XXXX Deficiency. She has been having routine blood work since XXXX 2014 to diagnose her deficiency. On XXXX XXXX, 2014, XXXX XXXX sent a bill to a wrong address. After two attempts to send the bill to the wrong address and no contact with either myself or my daughter 's immunologist, XXXX XXXX sent the account to collections. During this time, we had more blood work and XXXX XXXX XXXX XXXX denied one of the tests as " not medically documented ''. As a result, we have a balance of {$230.00} that is being processed through XXXX XXXX XXXX XXXX and has not been paid. Credit Collection Services, the collection agency who has the outstanding bills from XXXX XXXX, continues to send me bill notifications even though I have contacted their office and explained that the outstanding balance is being processed through XXXX XXXX XXXX XXXX. At this point, I am ready to pay the outstanding invoice. However, I feel that XXXX XXXX and Credit Collection Services have been unjustly and unfair in their collection practices. First, for sending an invoice to the wrong address and second for sending the balance to collections when our insurance carrier is still processing the claim. 

I have documentation from our physician which shows that XXXX XXXX XXXX XXXX is processing our claims and I stand ready to produce such documentation. We need help in fighting these companies who wo n't listen and feel justified in using gestapo tactics to collect from hard working individuals who are suffering enough with health issues. We do n't know if our daughter will make it to her XXXX birthday. I 've tried explaining this to both companies but they refuse to listen or have compassion.

Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2016 about Credit card () with AMERICAN EXPRESS COMPANY (NV).
Issue: Rewards

Complaint: I applied for a XXXX XXXX XXXX XXXX in XXXX, with an offer of XXXX rewards points after spending {$3000.00} in three months. I met this requirement in XXXX and the points posted to my account almost immediately.When I tried to transfer points to XXXX of my frequent flyer accounts, I was given an error that prompted me to call their fraud department. I 've been informed they are " reviewing '' award accounts for 6-8 weeks. Not only are my XXXX points from this promotion being held, but so are the XXXX points from another XXXX XXXX XXXX I 've had for almost a year, which had nothing to do with this promotion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-04-2017 about Credit reporting () with CITIBANK, N.A. (GA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I have a Citicorp credit card ( issued by Sears ). The Citicorp overseas reps that I made my payment with did not log my payment in on time. Subsequently, after paying on time every month, Citicorp refuses to accept responsibility for the error of their off shore account reps and the language disparity that exists. 

I was told by a VP, XXXX, that I could not get help because he did n't have to. I told him that I wanted the late payment removed. I do not owe any money and refuse to ever do business with them again. I feel that there is systemic racism in correcting their error. XXXX was My account ends in # 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 06-01-2017 about Debt collection (Credit card debt) with Talbot, Adams, & Moore, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: The debt is from  XXXX  credit card company. The debt was included in my chapter  XXXX  bankruptcy (  XXXX  ) that was discharged in  XXXX . I have notified this company of of the fact that I have been  discharged  out of chapter  XXXX  bankruptcy several times. It appears that the debt is being sold time and time again because I continue to get calls and harassment continually by different  collectors  swearing they did n't know that I claimed bankruptcy. I have notified this particular collector of the chapter  XXXX  bankruptcy and its filing number, yet the debt still is appearing on my credit. Just a side note on the credit report it shows that the account was opened in  XXXX . That is n't true. I 've not had an account with this provider since the bankruptcy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2017 about Vehicle loan or lease (Loan) with GENERAL MOTORS FINANCIAL COMPANY, INC. (OH).
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint: I wrecked my car the weekend of XXXX XXXX and on my way back to XXXX, I ended up rear ending another car. My insurance company totaled it the next week and my insurance company sent XXXX XXXX a check for the difference of the loan and what they insurance would payout which I was told was {$7700.00} ( not XXXX on the exact total ), but I go into to check my remainder balance which should be around $ XXXX I see it is still over $ XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (DC).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I have several issues with Navient, my private student loan servicer. For months following XXXX, I was only able to get part time work. Navient still wanted me to pay over {$200.00} a month. Now that I have a great job as XXXX, I still have a high debt to income ratio. I tried explaining this to Navient and gave them all of my financial information. They proceeded to yell at me/talk over me and insisted I made more than enough money. They threatened me with litigation, so I foolishly set up an automatic payment in the amount of {$200.00} for XXXX/XXXX/15. Unauthorized by me, they stole {$150.00} from my bank account on XXXX. I called and they said they would just take {$50.00} out on XXXX for a total of {$200.00}. They did take {$50.00}, but they also took another {$200.00} out on XXXX. So they never cancelled this as agreed. I call about this and they say they have no record of this and that it was cancelled. Do they not keep proper accounts? They then told me to upload bank statements to them. I did this-the statements are in pdf format so they should have had no problem viewing them. They told me the docs are blank and I need to try again. So I upload them again. I call and they tell me they are still blank. What is going on here?!? I feel completely scammed. When I asked them for the millionth time why they took {$150.00} out unauthorized to begin with, the rep just hung up on me. This is not okay. Something needs to be done about this fraudulent company.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (IN).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: FAILED TO VALIDATE DEBT, CALLED FAMILY MEMBER AFTER CEASE AND DESIST, MIDLAND ONCE AGAIN VIOLATED XXXX ACT OF 2009.

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2017 about Student loan (Federal student loan servicing) with MOHELA (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I am totally  XXXX . I have been totally  XXXX  since  XXXX . I have been receiving social security  XXXX  since  XXXX .   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  . I provided this information to MOHELA when I went on   XXXX   XXXX    XXXX . I was told that while there was no loan forgiveness for  XXXX  ( I WAS TOLD THERE WAS NO LOAN FORGIVENESS ) that I did qualify for payment adjustments based on income. I provided copies of my social security notification in  XXXX  and was mailed information about income based payments. I have occasional income, but it has never exceeded the amount set by social security. I sent a very comprehensive set of documents to MOHELA in  XXXX . Despite MOHELA knowing of the permanent  XXXX  and having the documents, no one has ever discussed anything other than forbearance. Each time since then that I have discussed adjusting my loans I am advised to fill out forms for forbearance. I have inquired if there are forms that my doctor can provide related to being permanently  XXXX  on at l east two occasion s and I have been told no, but advised of forbearance and sent these forms. Occasions have arisen when I was hospitalized and had hospital bills not covered by insurance. I have inquired about other ways to handle my loan and clarified that I was totally  XXXX , but each time I am instructed about forbearance and am sent forbearance forms. It was not until today that I received any information about forgiveness. It is my understanding that Social Security notified MOHELA of my status and they then sent me forms describing what I required to have the loan forgiven. It appears that I have qualified for this since  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 03-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: Cancelled online my experian account in XX/XX/XXXX, so I wouldn't be billed monthly on my checking account. I have a print out for this evidence. 

It is XX/XX/XXXX, and I am still being billed. Am not able to cancel. It has been over 4 months.

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 03-01-2017 about Debt collection (Medical) with Account Management Services, Inc. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The doctor 's office is attempting to collect for a missed appointment that was cancelled I spoke to both XXXX and XXXX about it and could not make the appt and it should have been cancelled or rescheduled and was not. XXXX XXXX XXXX is the doctor and I spoke to his staff before and after the appt on numerous occasions, before and after the appointment.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/25/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Choice Recovery, Inc. (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: CHOICE RECOVERY account NumXXXX I have XXXX unverified accounts from CHOICE RECOVERY. I had previously disputed this account. I have never done business withCHOICE RECOVERY Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt CHOICE RECOVERY and I believe it is a HIPPA Act violation. I request that CHOICE RECOVERY Provide verification of the following : 1. ) The original Application or contract 2. ) Any and all statements allegedly related to this debt 3. ) Any and all signed receipts 4. ) Any and all canceled checks 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CHOICE RECOVERY Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Numbers 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 11/20/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I just want to know who regulates the credit bureaus? There are too many discrepancies going on all the time. Too many mistakes. I do n't trust them.

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