milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/18/2017 about Debt collection (Medical debt) with TENET HEALTHCARE CORPORATION (AL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Syndicated Office Systems/Central Financial Control Amounts of {$100.00}, {$120.00}, and {$1800.00} After XXXX attempts to have these debts validated they keep coming back " verified '' but have yet to provide proof that I owe this debt, they have the authority to collect, a written signature on a contract. After multiple attempts to dispute via the collection agencies as well as the credit bureaus the information provided still is n't sufficient enough to show that I owe said debts. I want this information removed immediately since this is a violation of my rights as a consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2015 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (IL).
Issue: Loan modification,collection,foreclosure

Complaint: Our Clients XXXX XXXX and XXXX XXXX applied for a Loan modification through PNC Mortgage. They were denied all Loan Modification Products and we were informed that they had no right to appeal their decision. We ran a REST report which clearly indicates that they do qualify for HAMP Tier 2 and the NPV is positive. We filed an appeal to their decision to review the Loan Modification again. When we called PNC to check on the progress of the Appeal, we were informed by the Relationship Manager that the file was not in review at all and they did not intend to do anything at all except move forward with Foreclosure. Under the guidelines and laws that apply to HAMP we completely ignored. The clients have NEVER received a loan Modification in the past.

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2016 about Debt collection (Credit card) with HSBC NORTH AMERICA HOLDINGS INC. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Credit card Debit from HSBC was paid in XXXX and credit bureaus removed the account from my credit bureau reports in XXXX. Removed from my husbands credit bureau reports for between XXXX. XXXX XXXX creditors continue to harass mu husband, myself, and other members of our family threatening to have us arrested, have us served papers, calling us names, using profanity and not providing exact company names and sometimes not providing good call back numbers. This has continued for 3 years now and it has got to stop. We have filed multiple complaints with FTC and all credit bureaus with no help. The state time law limits have passed and the evidence has gone and we need to be protected. The collector called my phone looking for my husband and said they were from XXXX XXXX and were going to sent someone to have my husband served and possible arrested if he did n't pay a bill that he is refusing to pay. The number on the caller ID was XXXX and the call back number she gave me was XXXX. When I explained that we had talked to an attorney already and the debt was paid years ago and I was happy to fax proof over, she stated they did n't operate with faxes. I have had to fax this proof and documentation to multiple companies over the years and I am sick of it. Please make it stop.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Checking or savings account (Checking account) with REGIONS FINANCIAL CORPORATION (MS).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: I use Regions Bank and have 2 checking accounts and one savings account. I have the both checking account set up for taking out of savings if if checking accounts overdraft. I also called to have secondary checking account draft money from main checking account if not enough in savings. Last night my second checking account overdrafted. and there was not enough in savings but I was charged a {$36.00} fee because money was.not drafted from primary account account. I called and was told money can not be drafted from primary account to cover secondary account. I told the supervisor that I had called a couple months back and service representative said I could draft from primary account. This bank is practicing unfair trade actions and should be avoided

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 monetary relief
Consumer complaint received 01/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MO).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: filing a complaint on EXPERIAN ... XXXX   ... .AND XXXX . 
these 3 credit bureau are resonsible for leaving old accounts in my credit report. 
MY ACCOUNT SUMMERY : OLDEST IS 7Yrs. 10mos. next is 2yrs. 5mo. last ,5yrs.3mo ... 
i have not ever taken out a loan, im on XXXX. my idenity has bn. used. and my so.security # S.Secuity number as well. i have filed with the FEDERAL TRADE COMMISION ..I HAVE A INDENITY THEFT REPORT. FTC REPORT NUMBER XXXX, which i will be sending a copie in the mail of faxed to your office ...

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 03/26/2016 about Debt collection (Credit card) with STERLING JEWELERS, INC. (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I made a payment to a joint account. The creditor applied the payment to the wrong account ( my husband 's personal account ) and has been calling every hour. They are calling from different numbers. I explained to the representative what happened and they have not fixed the issue. They are also contacting my employer. We have never missed a payment on any account from this company. They continue to call and it is now harassing.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Previously deleted student loans that were at a XXXX balance have had the original balance added back to them and reinserted into my credit report. This erroneous error has negatively affected my credit score and student loan balance. 
Account Type Previous Balance New Balance Reported By XXXX XXXX {$2500.00} {$2500.00} ( - {$25.00} ) XXXX XXXX XXXX {$3100.00} {$3100.00} ( - {$31.00} ) XXXX DEPT OF ED/XXXX XXXX {$0.00} {$1100.00} ( + {$1100.00} ) Equifax DEPT OF ED/XXXX XXXX {$0.00} {$6500.00} ( + {$6500.00} ) Equifax DEPT OF ED/XXXX XXXX {$0.00} {$3500.00} ( + {$3500.00} ) Equifax DEPT OF ED/XXXX XXXX {$0.00} {$2500.00} ( + {$2500.00} ) Equifax XXXX XXXX {$3100.00} {$3100.00} ( + {$31.00} ) Equifax XXXX XXXX {$2500.00} {$2500.00} ( + {$25.00} ) Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2016 about Money transfers (International money transfer) with PAYPAL HOLDINGS INC. (CA).
Issue: Other transaction issues

Complaint: Describe what happened so we can understand the issue ... 
On Friday XXXX XXXX approximately XXXX pst I attempted to send money to a friend of mine via PayPal. After sending {$270.00} to him he sent me a text saying he still had n't gotten it. I immediately pulled up my log and noticed that the name that I sent it to was not his, very close but not him. Turns out that the email he accidentally gave me was XXXXXXXXXXXX when it SHOULD have been XXXXXXXXXXXX, just one letter difference : (. I immediately contacted Paypal at XXXX pst ( 7 min from transaction ) and asked for their assistance. I got transferred around and after 24 min on the phone with them, they advised me that there was nothing they were willing to do but send an email to the guy asking to refund the money ( which they never did ) I could n't believe that they were so unwilling to assist me in this matter, even though it says on their site " Need to cancel? 
You can cancel your payment within 30 minutes as long as the recipient has n't received the payment. For a full refund, see the transaction details and select Cancel, or call Customer Service at XXXX. '' I did all of this and yet they were very unwilling to do anything. Please help, how can this be good business practice in anyway, I know the amount may not see much to them but to me it 's a lot! Just an FYI my friend that I was trying to send money to is domestic, but it appears where it went is international. 

Thanks!

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/24/2016 about Consumer Loan (Title loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (NY).
Issue: Charged fees or interest I didn't expect

Complaint: I have filed a few other complaints related to this situation. My payments on the loan I received from One Main Financial were not correctly applied to my balance. And after I filed my initial report with the CFPB, they stopped sending me bills. I figured the complaint I filed with the CFPB had motivated the company to correct their mistake and finally properly apply my payments, making the loan paid in full. So to be sure, I called One Main Financial. I was told my account had been charged off. But, they never sent any mail notifying me of this. I was then transferred to a recovery department. The representative I spoke to told me she could n't give me much info about my account and someone would have to call me back in a few days. It 's been almost two months. I called back today and was just transferred around to several different operators as well as given very different phone numbers for what was supposed to be the recovery department. I finally spoke to XXXX representative who told me the reason I was probably being rerouted back to the main number is because the recovery department goes to lunch XXXX However, I think it 's still ridiculous that no one could give me answers about my account. I want to know what type of consequences the company can face for stopping my bill statement and then charging off my account without notice. They have the title to my car also. Should I get a lawyer? This was a very bad loan, if I pay back the entire amount they are requesting then my interest will have been 100 %! I borrowed {$6000.00} and they want me to pay back {$13000.00}! Please help. My sister is in college and neither me or my dad can co-sign a parent plus loan for her because of this predatory loan One Main Financial misleading led us into. It 's not fair. i 've paid quite a lot on this loan and I 'm just ready for this to be resolved so i can move on with my life.

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2015 about Debt collection (Credit card) with Atlanticus Services Corporation (IL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Ftc case # XXXX, XXXX/XXXX/2008 states that reporting of tribute XXXX ( compu credit ) by XXXX party collections is prohibited. I have sent this documentation and a request for removal per this ruling to XXXX XXXX XXXX. They are refusing to remove this trade line after receiving sufficient information supporting the request for removal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 10/31/2015 about Bank account or service (Savings account) with SCOTTRADE BANK (CA).
Issue: Deposits and withdrawals

Complaint: In 2013, Scottrade Bank illegally offset my Scottrade bank account when conspiring with their affiliates Scottrade Brokerage and as a result violated numerous provisions of California FINANCIAL CODE SECTION 1400-1411. 

I have requested Scottrade Bank provide me information about how to file an arbitration case against Scottrade Bank and clarification over the arbitration procedures, potential conflicts, and problems, however, Scottrade Bank has not responded. 

I would like Scottrade Bank to provide me with a copy of the original arbitration contract and full instructions on how to file arbitration against Scottrade Bank.

Company response to consumer: Closed
Consumer complaint received 01-10-2018 about Checking or savings account (CD (Certificate of Deposit)) with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint: On XXXX, XXXX XXXX on line opened a cd account with Capital One. On XXXX our bank transferred {$30000.00} to Capital One. Upon learning that the cd was a non-ira account and that Capital One would not or could not change the account to an ira account, XXXX closed the account on XXXX expecting the {$30000.00} to be transferred to our bank account immediately. We have not received the {$30000.00}. Talking to XXXX from Capital One on XXXX, he said some verification has to take before sending our money which they have back to us. He said to expect this my XXXX and that we might not get the money until XXXX. 

This is outrageous, the account is closed, they have our money and will not return it to us and they know where to send the funds which is the same place where it came from.. As far as I am concerned Capital One has an authorized usage of our money from XXXX until the time we get it. This is free money for them. This is my complaint. This is illegal, and if not, it should be illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2016 about Student loan (Non-federal student loan) with Dream Center Education Holdings (SC).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I contacted XXXX University on XXXX XXXX, XXXX and requested to have an Official Transcript be sent directly to a potential employer ( XXXX XXXX XXXX XXXX XXXX ). 
When I had n't heard from XXXX University and received an email from the potential employer regarding items in my " To Do List '' I sent a follow-up email to XXXX University on XXXX XXXX, XXXX and was informed there is a transcript " hold '' on my account. Once I contacted the Business Office I was told I had an outstanding balance that dated back to XXXX. 

The problem with this is I graduated in XXXX XXXX and received a refund from XXXX University for the same amount they are now telling me I owe them. I recall getting the refund well because it was direct deposited into my savings account and I called the school to verify this refund was n't an error because the last thing I wanted was to spend funds that were n't owed to me and create another bill for myself. When I called they explained every 3 to 5 years they audit their books and determined I over paid in XXXX In addition, I never received a bill from XXXX University .

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 08/27/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Caliber Home Loans, Inc. (FL).
Issue: Application, originator, mortgage broker

Complaint: I believe I was a victim of mortgage fraud. My ex wife obtained a refinance/loan modification without my knowledge or consent. This occurred on or about XX/XX/XXXX. She either forged my name or electronically signed my name and provided my information without my knowledge. She obtained this loan through Caliber Home Loans, who sold the mortgage to XXXX on or about XX/XX/XXXX. This loan was obtained with forgery and false information and approved by XXXX. XXXX also ran my credit, doing a check resulting in a " hard hit '' to my credit without my knowledge or consent. XXXX also approved and processed the loan without my presence, written or verbal consent.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2016 about Consumer Loan (Vehicle loan) with GENERAL MOTORS FINANCIAL COMPANY, INC. (GA).
Issue: Managing the loan or lease

Complaint: I paid my car loan off in XXXX of last year ( 2015 ) and I still have not received the title from GM Financial. That 's over 6 months. I paid XXXX payments on a 60 month loan and I feel I should have the title by now. I have received no communication from GM Financial about the loan since I paid it off. 
There was an issue with the XXXX payment. A couple of months after I sent the last payment to GM Financial I got a call from a nasty little girl telling me that my account was 81 days past due. Since I had made more payments than the loan called for and all of them had been made on time I believed her to be a scammer trying to steal money from me. I told her as much. She continued to attempt to get me to give her money but after talking for a few minutes she then changed her story and admitted to receiving the payment but lied and said the check had bounced. 
To make a long story short, the young woman had no suggestions as to how to rectify the situation except for me to give her money. All she offered to do was send me a list of payments. I already know every payment made to GM Financial so that was of no assistance. 
I came up with my own solution since the big bad poorly run financial services institution was incompetent and unable to run its business. I first checked with my bank to see what the story was with the check. They confirmed what I knew to be true, that the check had not bounced or otherwise been rejected for any reason. They did, however, tell me that the check had never even been presented for payment. 
My next step was to send a replacement check along with a letter explaining the situation. I took the steps to do this, on my own time and at expense to me personally. GM Financial actually rejected the delivery! So, once again, at the expense of my own money and a great deal of time I found another address for GM Financial and resent the letter and the check to the new address. This time the letter was accepted and the new check was cashed. 
I also received a letter from GM Financial indicating they received my inquiry and that they would look into it and get back to me. That was several months ago and I have received no communication from GM Financial since. 
I did check my credit report and it indicates that I made XXXX payments late, which is untrue, and that I still owe {$45.00}, which is also untrue. 
I need GM Financial to fix the mis-reporting to credit bureaus and to provide me with my title. At this point I also feel I should receive some damages for my out of pocket expenses and the injury to me personally and reputationally.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2016 about Credit card () with HUNTINGTON NATIONAL BANK, THE (MI).
Issue: Transaction issue

Complaint: I filed a dispute due to a charge on my Huntington Bank Credit Card that was not mine at the end of XXXX 2016. I have provided them with all the information needed to start my case and received a case number # XXXX. The case manager has tried to contact me by phone and left voicemail messages. When I return the call, I am routed from one agent to the next and have to provide all the details of the case over and over again and still am not able to speak to the case manager. It is clear I will not be able to resolve the dispute without speaking to the case manager, but the agents will not get her on the line for me when I call in or give me her name so that I can request to be transferred to her. This constant run around makes me think they are waiting for me to give up and boot me out of the system as an unresolved dispute since the amount was under {$100.00}. Please let me know if you can help. I can not be the only one frustrated with this lack of communication within the same " dispute resolution department ''. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2016 about Credit card () with DISCOVER BANK (NJ).
Issue: Advertising and marketing

Complaint: Discover credit card has been ignoring my requests of providing documents to justify the percentage of its reward program. I responded to 10 % XXXX Friday offer on purchase made at XXXX. I purchased XXXX tires totaling in {$370.00}. I was expecting 10 % of the reward, however, it was never given to me. 

XXXX of Discover contacted me on XXXX, but he failed to follow up, nor provide any explanation or reward to my account. I contacted Discover card against, they told me that I was credited {$1.00}. How {$1.00} is related to {$370.00} purchase? Discover initially told me that XXXX offered 5 % instead of 10 %, even so, 5 % of {$370.00} is {$18.00}, not {$1.00}. 

This company has been cheating me out of my reward money. 

In addition, Discover had mis-handled my dispute request. It was {$10.00} dispute, Discover initiated as {$750.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Debt collection (I do not know) with Pressler & Pressler, LLP (NV).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: On XX/XX/XXXX my husband and I received a letter from Pressler and Pressler in regards to a wage garnishment application that will be filed through Superior Court of New Jersey : Law Division XXXX Special Civil Part. It states that it is a debt from original creditor XXXX XXXX XXXX XXXX. We have no idea who that is. We checked both  of our credit reports and there is no debt attached to that name or any civil or lien judgement against us. I have only heard from Pressler and Pressler one other time, which was back in XX/XX/XXXX or XX/XX/XXXX, can not recall the exact year. They came to my place of employment with a paper stating either I pay them on the spot or I will be arrested. I seemed legal advice at that time and was told that, that was illegal and to disregard the threat. Now XX/XX/XXXX rolls around not even living in NJ anymore and we get this letter, with no debt amount just stating wage garnishment explanation and my husbands place of employment listed. We are unsure how they even retrieved this information. Any debt we may have had in NJ is definitely past statue of limitation. But again we do not know what this debt is or who the original creditor is. I have read many complaints against Pressler and Pressler who they also go by XXXX XXXX XXXX and XXXX ( something ). I have also found that either an associate or a partner works for the XXXX Special Civil court and that is how they are awarded these such judgements. We will do everything in our power to make sure this firm is stopped and this is the first step.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2016 about Credit reporting () with Experian Information Solutions Inc. (TN).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I wrote Experian asking for my credit report which I did receive and I was not happy with the results. Their are items on it that have a XXXX balance and a couple have looks like the same company twice. The way I fill about the situation they have no balance so should not be on my report to harm me or keep me from getting any type of credit. I did file a dispute with them but have not heard anything from Experian and this is not fair to keep anything on my report that is damaging 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 explanation