milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-09-2017 about Debt collection (Medical debt) with Arbor Professional Solutions, Inc. (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: DEBT WAS DISCHARGED IN CHAPTER 7 BANKRUPCTY XXXX/XXXX/XXXX. THIS HAS BEEN ADDED TO MY REPORT ILLEGALLY AND IS VIOLATING FCRA RIGHTS

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 08-08-2016 about Bank account or service (Checking account) with DISCOVER BANK (NY).
Issue: Deposits and withdrawals

Complaint: Discover Bank closed my checking and savings ( account # XXXX ) accounts without asking me. I have a {$500.00} deposit in my checking, they refuse to give me my deposit back by check. and the only way is through an indemnity letter through my other bank, from with the {$500.00} was transferred in. My other bank, XXXX, does not do indemnity letters. 
Now am conned out of {$500.00} by the crooks at discover bank.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2016 about Debt collection (I do not know) with OPTIMUM OUTCOMES, INC. (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have asked Optimum Outcome to validate a collection they are reporting on my credit reports on XXXX/XXXX/15 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2017 about Debt collection (Other debt) with CCS Financial Services, Inc. (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: This Compliant is being sent to CCS in response to a listing on my credit report. A notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ). I never established a contract with this company at all.At this time I will also inform you that if your offices have reported invalidated information to any of the  XXXX  major credit bureaus (  XXXX ,  XXXX  and  XXXX  ) this action might constitute fraud under both Federal and State Laws ) which are in violation of the following : the Fair Credit Reporting Act the Fair Debt Collection Practices Act Defamation of Character I also respectfully request CCS to provide me with competent evidence that I have any legal obligation to pay you.
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am requesting the following verification : 1.Recorded or telephonic conversations.
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2. Any payment methods you have on file indicating that I made payments to CCS company. ( Checks, debts, or money orders payments ) 3. Provide me with a documents with my signature indicating that I agreed to this debt with CCS.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have notified Equifax on numerous occasions that there is erroneous information being reported in the credit file that is maintained and distributed by Equifax under my Social Security number. The account in question has the original creditor listed as XXXX under account number XXXX as listed in my credit report. This is NOT my account and was entered into my credit file in XXXX. I am demanding that Equifax cease and desist any further reporting of this erroneous information in my credit file. I am requesting that this account is removed from my credit file immediately. The attached letter was sent to Equifax via certified mail, XXXX tracking # XXXX XXXX which Equifax signed for on XX/XX/XXXX regarding this account. This is one of many certified letters that I have sent Equifax regarding this erroneous information. I have also disputed this multiple times via the Equifax online dispute system to no avail. Equifax has repeatedly demonstrated dishonest business practices which has been to the detriment of my reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2017 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (VA).
Issue: Loan servicing, payments, escrow account

Complaint: I refinanced my home XX/XX/2016. Prior to refinance, my routine was submission of payments bimonthly and routinely paid more than monthly payment. After refinance, I maintained my routine. I noticed immediately after refinance that the additional payments sent were being placed in an account labeled unclaimed funds. Immediately when I notice this, I called and demanded why the additional payments were not being applied to principal and was told it would be fixed. It continued. I called again requesting why the additional money being sent was being held and was reassured again it would be fixes. It continued in total for 8 months. I have written multiple times, my emails go answered. I call customer service and I am told different things each time I call. Due to the prolonged time of resolving the issue and the inconsistency of things being told o me by customer service, I contacted XXXX and the federal housing inspector general. I have now had my capability of writing emails on their intranet disabled, I have been told that someone will follow up with me and they have not and now my end of year statement is incorrect

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (CO).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have a federal student loan serviced by Nelnet. After I graduated in XX/XX/2010, I was n't making enough money to make my payments. When I called them up, they pushed me into a forbearance. The same thing happened a year later, when I still was n't making enough money - I called up, explained my situation, and they put me in forbearance a second time. Little did I know, there was such a thing as income based repayment. I could have afforded {$50.00} a month, or maybe just paid the interest. In retrospect, I could have saved several thousand dollars in accrued interest if they had just offered me an income based repayment plan instead of forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Mortgage (Home equity loan or line of credit (HELOC)) with OCWEN LOAN SERVICING LLC (PA).
Issue: Closing on a mortgage

Complaint: original complaint # XXXX was against Ocwen/XXXX.Closed. Never resolved or finalized. Denied they were XXXX XXXX. 
XXXX, 2017 XXXX XXXX foreclosed. Committed several infractions. Sent all communication and suit papers to XXXX XXXX, XXXX who was not my attorney, Day after sale padlocked house while I was out of town. Title and monies were not even transferred to XXXX XXXX. XXXX confiscate all my furniture, goods etc. I 've made several attempts to contact XXXX, XXXX XXXX and XXXX to no avail.They illegally seized my property, attached fees and insurance costs to the lien. 
They provided no Ejectment notice, No eviction notice, No statutory redemption offer and No court order to vacate. All my belongings valued over {$7000.00} are due and payable now. 
Please forward to : XXXX XXXX Deputy Assistant Director Office of Legislative Affairs Consumer Financial Protection Bureau who is aware of the dilemma and corresponding with Senator XXXX XXXX 's office. Than you and please advise

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 03-06-2017 about Debt collection (Medical) with HCFS Health Care Financial Services, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: On XXXX XXXX, 2016 I sent a letter to Account Resolution Services asking for this company to verify the debt that is said I owe {$1200.00}. I received a letter stating that the balance was confirmed, but I received no validation requested. I have already contacted all XXXX credit bureaus concerning this issue.. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore, my request is twofold -- validation of debt and HIPAA authorization. Requests made to this company were to : Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 
Account Resolution Services failed to comply.

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 01-12-2017 about Credit card () with SYNCHRONY FINANCIAL (NM).
Issue: Transaction issue

Complaint: I am contacting your agency in hopes you can help me with some charges on my Walmart Mastercard ( Synchrony credit card ). I would like to dispute all charges made by XXXX aka XXXX Web Stories LLC. I was contacted by an individual who said that he found out that I had purchased an XXXX Affiliate membership and that unless I had an unique Web Site and a way to bring me a lot of traffic ( visits ) to it, that I would never make any money. He said that he could do all of that for a fee. We discussed several options and decided that his {$12000.00} package would work best for me. Which I paid {$5000.00} on my Synchrony card. So I used credit cards to pay his company that much. All the financial transactions were done by his assistant. A few days later another individual called and said that unless I had a back office and a lot of training that I would n't make any money. We discussed several options and decided that the {$7000.00} package would do the job. The same " assistant '' called and helped me charge that amount on my credit cards. She gave me directions on how to access the training modulas, my back office and helped me create and post some blogs. These things were supposed to teach me how to keep traffic increasing and keep it coming to my site. I worked pretty steady for a couple of months. Then both my wife and I had some health problems and I was n't able to spend much time on it. It was supposed to keep running without much attention, but I never saw any sales and the traffic did n't even increase. Then my wife was hospitalized XXXX times and was sent to several XXXX and went through a lot of tests. She still has XXXX more XXXX test to see if she is strong enough to undergo XXXX. Regardless when they sold me they said they would do the work and in result I would start making sales. I did not make any money. I was left with a non functional business and a large debt since I paid to this company a total of {$19000.00} and they never showed any results of the work they have done.These companies prey I tried to resolve directly with them and get my refund but they ignored my requests. They did not provide the services as promised.

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 07-06-2016 about Debt collection (Auto) with National Commercial Services, Inc (IL).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: Collection agency NCS have been repeatedly calling me on my cell phone during work hours. When I answer I have been put on hold and eventually forwarded to a voicemail. I was finally able to get a hold of someone only to be yelled at called XXXX and then hung up on.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: i made the following complaint with CFPB earlier. responding to the complaint, american express credited me half of the charge i am disputing. they gave me credit of {$150.00}. but left the second charge of {$160.00}. 
i brought 3 tickets on XX/XX/XXXX, the airline charged me 6 charges for the 3 tickets brought, separate charge for each way ticket, so 2 charges for 1 ticket. so each ticket was {$330.00}, agent charged {$44.00} commission separately for all 3 tickets. 

american express is saying that the whole ticket was only for {$150.00}. 

XXXX XXXX - XXXX, CA {$44.00} XX/XX/XXXX XXXX - XXXX XXXX, FL XX/XX/XXXX XXXX - XXXX XXXX, FL {$160.00} XXXX - XXXX XXXX, FL XX/XX/XXXX XXXX - XXXX XXXX, FL {$160.00} XXXX - XXXX XXXX, FL XX/XX/XXXX XXXX - XXXX XXXX, FL {$160.00} XXXX XXXX XXXX XXXX XXXX - XXXX, GA XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XXXX, GA {$150.00} XXXX XXXX XXXX XXXX XXXX - XXXX, GA XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XXXX, GA {$150.00} XXXX XXXX XXXX XXXX XXXX - XXXX, GA XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XXXX, GA {$150.00} XXXX - XXXX, MA XX/XX/XXXX I brought a XXXX XXXX airline ticket using my American express credit card for my dad. on the departure day, we went to the airport so my dad can take his flight. but the airline refused to issue him a boarding pass and never let him take the flight. so he could not use his tickets. I reached out to American express to resolve the dispute and get my money back. American express asked me to provide a written explanation of event and what happened. I provided the written letter 3 times now to the American express but every time, American express close my case without resolving it telling me that I never provided the written letter. every time I upload the docs to American express site, I reach out to American express and verified that they did received my letter. now after 4 months, the issue has still not been resolved and I am being billed again.
there were multiple disputes opened by american express because of multiple charges. one dispute is for part payment resolved and credited, but second dispute for part of payment is closed without any resolution. please also resolve the second charge. 

attached is the ticket copy.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/29/2016 about Bank account or service (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Problems caused by my funds being low

Complaint: I had recently received a check for a settlement. The check was a Capital One check. I had deposited this check in an ATM, and then followed up with Capital One that same night about when the funds would be available. The agent on the phone said that as it is a Capital One check that {$1000.00} would be immediately available, and then more amounts would become available as it was a rather large check. The agent had assured me that the {$1000.00} funds were available. The next morning I checked my account on the mobile app and Capital One had it showing that the full amount of the deposit was available. I then went spending as if that money was available. A few days later I went to buy some food and my card was declined. I called Capital One and they informed me that my account had been overdrafted and that the check I had deposited was put on " security '' and that is was my fault for not checking the balance each time I spent money, I went through XXXX managers and they all refused to understand my point of view. Ironically, they sent me the same check I had deposited in the mail a week later and told me nothing was wrong with it. The next day I went in the branch and closed my account after them smiling at me paying {$420.00} in fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (WA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Navient keeps adding and subtracting balances from my accounts. This is adversely affecting my credit score. I am rebuilding my credit and applying for a home as well as a new car and their frequent inaccurate updates are detrimental to this process. For once, they did not have my correct contact information when my loans were restored from default. I respectively ask that the lates from XXXX and XXXX 2017 be removed and set to current. As soon as I contacted Navient my loans were put back into deferment. Also I want all loans older than 6 years off my credit report as that is the SOL for my state. I need this done as quickly as possible as Navient is doing illegal collecting and reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2017 about Debt collection (Other debt) with ERC (NC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: 1. ) This company is not licensed to collect in my state ( NC ) 2. ) they never reached out to me regarding this debt so i was not given a fair chance to contest the validity of the debt before they reported this to my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: A complaint was previously filed against Transunion and the complaint number asigned was XXXX on XX/XX/XXXX Transunion responded to the complaint. Attached is the copy of the response under loaded documents. 

More than 30 days have passed and they did not respond to me as they mentioned. I checked my transunion report online and I still see the two accounts in question still reported. Transunion. 

My question is, if Transunion is reporting two accounts, under those accounts, they provide and address so That I as a consumer can write directly to the companies reporting incorrect information. And the Unites States Postal Service keeps returning to me the letters sent to the companies with a label affixed to the envelope that says " Undeliverable as addressed or Unable to forward. And I send a copy of that envelope to Transunion, and they keep giving me the same response, that they will investigate, yet when they investigate, they reply, " Account verified ''. Is it not Transunion 's obligation to either provide me with a correct address for the company they keep verifying or with all the proof I keep sending them that the letters are being returned, the right way to fix this is to delete those two accounts that obviously I am not able to get a hold of by mail.

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 06/17/2016 about Consumer Loan (Vehicle loan) with BB&T CORPORATION (TX).
Issue: Problems when you are unable to pay

Complaint: regional acceptance is in violation of disclosing the details of my debt to a third party not authorized on my account to receive information. also i am getting at least 20 calls per day and i feel like this is stepping into harassment especially when they dont allow the phone to ring long enough to be answered or hang up when i do. please help

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 04-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I called all 3 credit bureaus about several inquiries that were not mine and a few that were duplicates listed in my report. I disputed these results and every time I call in they tell me there is no dispute. XXXX  told me I had to dispute directly with the company that did the inquiry. I sent notices to them and did not receive communication back. I updated XXXX on XXXX18 as well as Experian and XXXX  and was told they could not help me. I have 45 inquiries on my report and only 6 are mine and accounted for. All 3 credit companies will not aide me in the removal process.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Hard inquiries are is on my credit report and most of them I didnt authorize. Also many of the companies listed I have no desire to do business with them.

Company response to consumer: Closed with explanation