milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-11-2016 about Debt collection (Medical) with Aargon Agency, Inc. (SC).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Debt reported to collection agencies even though I was trying to communicate with agency. Also, incorrect amount of debt owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 03/14/2017 about Credit card () with Alliance Data Card Services (MD).
Issue: Identity theft / Fraud / Embezzlement

Complaint: In XXXX 2017, my identity was stolen, and used to open a series of fraudulent credit cards. One of them was a " XXXX '', issued by XXXX. Having contacted them and explained the fraud, they informed me that the identity thief had been granted immediate credit in excess of {$1000.00}. 

Instead of immediately closing the account and expunging the debt in accordance with FTC and consumer law, I was informed that the account would remain open for up to 90 days, during which time the fraudulent balance would still stand. I would still be billed, and would still be found legally responsible for this fraudulent debt in my name. No other credit card company took these ridiculous steps, even those for which the falsely obtained debt exceeded {$3500.00}. As I have no intention to pay debt for which I am not legally responsible, and it was indicated that the matter would remain open for 90 days, it is now a real concern that this matter would adversely affect my credit report. 

I have already filed a separate FTC complaint regarding the theft as a whole, but the actions of XXXX in particular currently stand as a real and pertinent danger to my credit, all because the organization refuses to take responsibility for their facilitating the theft. It is my hope that they can be made to comply with the law, fully and completely cancel the fraudulent account in my name, and erase the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-06-2016 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I was approved for a XXXX Trial Payment Plan in XXXX 2016 by Ocwen Loan Servicing , LLC . First payment was due on XXXX/XXXX/2016. I called my relationship manager, XXXX XXXX, last Thursday on XXXX/XXXX/2016 asking if my payment could be made by phone or electronically. I did not receive a return call from XXXX XXXX. When I call Ocwen 's customer service, I get the voicemail of XXXX XXXX. I looked at my account online and Ocwen does not show my payment has been received. XXXX XXXX is out of the office due to weather issues in the XXXX XXXX XXXX area. I have sent email communication today, XXXX/XXXX/2016, to XXXX XXXX to find out if my payment has been received. 
According to the documents received by Ocwen, " Trial Period '' payments must be received on or prior tot he XXXX day following the due date provided on each coupon. I would like to make sure my payment has been received. I mailed my payment on XXXX between XXXX XXXX and XXXX XXXX at the post office. I went to Ocwen 's website to provide the details of my payment earlier this week. Payment was mailed to the following address : Ocwen Loan Servicing , LLC, Box # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX Check # is XXXX in the amount of {$3200.00}. I am not sure how often this mailbox is checked for payments and how long it takes to process these payments. I have been unable to reach anyone from Ocwen to discuss my concerns on the receipt of my payment. My prayer is that payments are processed in a timely manner so that we qualify for a permanent modification and that Ocwen does not delay the processing of our payment.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AMERICAN HONDA FINANCE CORP (MI).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: Hello - Two years ago I went through a divorce. As part of the divorce settlement my ex-wife was given one of our cars that we had a loan on. It was a joint account through Honda Financial Services. I asked my ex-wife to remove me from the account though she never did. She changed the mailing address for the account and login information online, so I was unable to access the account. The loan was nearly paid off, so I did n't worry about it too much. In XXXX of this year I got a notification from my credit monitoring service that the account was over 30 days past due. I contacted my ex-wife and she said it was due to a change in her billing account and fixed the issue and paid off the outstanding balance. 

Still as a result of this I now have a 30 day late payment notice on my credit report. My credit score took a hit as well, dropping from XXXX to XXXX. 

Recently, I contacted Honda Financial to explain the situation and inquire about having the negative mark removed from my credit report. Since I no longer had access to the account online and my ex-wife updated the mailing address to her new address. I received no notice of a past due balance. Honda said they were sympathetic but unwilling to remove the mark.

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2017 about Debt collection (I do not know) with TENET HEALTHCARE CORPORATION (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: The aforementioned credit collection agency representing XXXX XXXX XXXX XXXX has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files : XXXX, XXXX  and XXXX. 

The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If XXXX XXXX does not have any documentation, they need to retract this from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2018 about Debt collection (Payday loan debt) with BlueChip Financial (AL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: Oh XX/XX/2018 XXXX XXXX XXXX out of Florida contacted me to tell me that the payment that they received from me was fraudulent and that they will take legal action against me by serving me on my job. The next three communications I had with the company all included them letting me know that they will take legal action against me and sue me.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I will like a bankruptcy that does not belong to me that is being reported on my credit report deleted .. I will like proof provided that this was under my name full ssn and address where I reside, I have resolved this issue with the other credit bereaus and this is not something I have filed and is linked to my credit profile, also I have inquiries that I do not recognize and will like them removed I have been a victim of identity theft and will like for these things to be removed I provided documents stating what they are thanks

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 12-08-2017 about Debt collection (Medical debt) with National Credit Systems,Inc. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I recently pulled a credit report and saw that National Credit Systems is reporting to be collecting on an alleged debt. After research, according to the Florida office of Financial Regulations, they are not licensed in the state Florida. Their license expired in 2003. Please see the attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IL).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: I originally borrowed {$51000.00} in XXXX and have been making payments since. In XXXX Navient capitalized {$24000.00}, which is 48 % of the borrowed amount and I have n't received a reason why such a high percentage was capitalized. Through XXXX/XXXX/XXXX there was {$24000.00} of capitalized interest and the {$24000.00} + the {$51000.00} = {$75000.00} so I 'm not sure why there was a consolidation payment of {$91000.00}. My new balance is not more than doubled of what I originally borrowed and there have been payments throughout. I believe the capitalized interest total is wrong, the consolidation payment total is wrong and my current balance is wrong. I have been trying to get a breakout or a walkthrough that shows all debits and credits and I have n't been able to get that from Navient. 

I 'm being billed more than twice what I owe and I do n't want to default of hurt my credit but I do n't know what else to do if I ca n't get a corrected balance. I also never approved the consolidation in XXXX I was looking to see if it would be beneficial for me to do so and the loan was consolidated without my approval. I need to get resolution to all of these matters before this situation gets out of hand and the amount owed doubles again. It seems like Navient wants me to pay upwards of $ XXXX when it is all said and done on a loan that was originally $ XXXX I do n't see how this is even legal. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2017 about Debt collection (Medical debt) with United Collection Bureau, Inc. (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: We have a {$50.00} per month payment plan set up with XXXX XXXX. 
XXXX XXXX XXXX is calling us on a debt that is being discharged. XXXX hospital told us is is a scam phone call & to disregard. Phone number called us is XXXX. This company hung up when I challenged them. They 've called us repeatedly, despite financial arrangements made with the hospital. The hospital billing told us this is a scam illegal activity by " XXXX XXXX XXXX '' & to disregard, report them. These people need to XXXX!! They are foreign callers from XXXX. Sick of being harassed.

Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2018 about Debt collection (I do not know) with GOLD KEY CREDIT, INC. (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have recently been informed that there is negative information reported by Gold Key Credit Inc in the file you maintain under my credit report. Upon reviewing a copy of my credit report, I see an entry listing I Never contracted with Gold Key Credit Inc this company is engaging in fraud and is using my personal information to destroy my reputation and credit score to pay them a debt I never owed them or contracted with them for any product or services. I asked for this fraudulent claim to be deleted and removed from my credit report and for them to be investigated for fraud. I challenge the accuracy, compliance and reportability of this listing. Please validate this information with Gold Key Credit Inc and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows :

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-04-2015 about Credit card () with JPMORGAN CHASE & CO. (MT).
Issue: Advertising and marketing

Complaint: Chase Freedom credit card advertised 5 % cash back rewards for restaurant purchases made from XXXX/XXXX/2015 through XXXX/XXXX/2015. They did not honor the 5 % cash back rewards for several restaurants including XXXX XXXX in XXXX, XXXX, and XXXX in XXXX, XXXX. These establishments are solely restaurants and do not sell anything else so there is absolutely no reason that they could be called anything other than a restaurant. When I saw on my statement that I was not given the 5 % cash back rewards I asked them to honor their promotion as advertised, and they denied my request claiming they categorize these restaurants as 'grocery stores ' or 'convenient stores. ' This is clearly false advertising and tricking the consumer to use their credit card with the promise of receiving rewards, which are then not given.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-04-2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Billing disputes

Complaint: Dear Sir or Madam, I added a new credit card, the XXXX credit card for my recurrent payment at {$59.00} for my XXXX XXXX bill. Somehow, the old credit card, the Capital One Quicksilver Card still charged me for {$59.00} for XXXX, after talked to the customer service, Capital One credited me {$59.00} on XX/XX/XXXX and XX/XX/XXXX. I had no clue why they had credited me twice. But XXXX billed me at {$110.00} on XXXX ( $ XXXX $ XXXX {$110.00} ), I paid this {$110.00} with XXXX XXXX XXXX I think I cleared all the money I 've received from credit on XX/XX/XXXX and XX/XX/XXXX but somehow Capital one re-billed me at {$59.00} again on XX/XX/XXXX, but I already cleared this payment with XXXX. I 've called Capital One customer service, but they said this case is closed. how can Capital one re-bill me " another {$59.00} '' for XXXX? I explained to the Capital One customer service, they said because I have to pay them back the money credited to me, but the thing is I 've already paid to XXXX with XXXX card. I made the phone call to Capital One customer servie today XX/XX/XXXX, XXXX and talked to the customer service and he transferred me to the supervisor, his name is XXXX, the ID is XXXX. He wanted me to talk to XXXX or XXXX, I keep explaining to him, I Paid this bill already but Capital One still wants to bill me and I can not dispute this {$59.00}. Therefore I only can make the complaint to BCFP.

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2017 about Payday loan, title loan, or personal loan (Installment loan) with Quick Click Loans, LLC (MO).
Issue: Struggling to pay your loan

Complaint: BROOKWOOD ( USING SELECT  MGT. ) HAS ON NUMEROUS OCCASIONS CALLED ME AT WORK AGAINST MY EXPLICIT INSTRUCTIONS TO STOP CALLING ME AT WORK. IN THE PROCESS, THEY HAVE REVEALED TO MY EMPLOYEES THAT I HAVE A LOAN AND THEY ARE A COLLECTION AGENCY. THEY EVEN TRIED TO VERIFY MY EMPLOYMENT ON  XXXX / XXXX / 17 . THEY HAVE BEEN AGGRESSIVE AND THREATENING WHEN I HAVE SPOKEN TO THEIR  COLLECTORS  THREATENING LEGAL ACTION. I HAVE ATTACHED PHOTOS OF THE CALLER ID AT MY WORK. THEY WO N'T STOP CALLING MY WORKAND EMBARRASSING ME.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/27/2017 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (PA).
Issue: Trouble during payment process

Complaint: XX/XX/XXXX I spoke with XXXX XXXX, about my mortgage being late XXXX stated we can do a modification but we need your XX/XX/XXXX tax return and paystubs from your job 6 Months. I never submitted the documentation because I felt I did n't need the modification. 
XX/XX/XXXX receive a letter advising me required documentation was not received and Wells Fargo unable to offer assistance. 
XX/XX/XXXX received another letter advising me of my FICO score is less than since I closed on my Mortgage/ Payment history must have no 30 day late payment XX/XX/XXXX I received another letter stating my mortgage was going from {$880.00} to {$1000.00} I called Wels Fargo spoke to XXXX I question what is going on with my mortgage he advise a modification was complete and we now have added your homeowners insurance into your mortgage, I question how is that when I never submitted any paper work for the to be done. I ask to speak to an Supervisior. 
XX/XX/XXXX spoke to XXXX XXXX XXXX ex XXXX he advise me they sent a check to XXXX XXXX in the amount of {$600.00} my question to XXXX how can a modification be completed with out my consent and no documentation to make a decision of what my mortgage would be I also state I thought a modification was to help you not hurt you still I do n't understand how this process was complete but XXXX insure me this would be corrected. 
XX/XX/XXXX called back to WellsFargo spoke to XXXX was put through to talk to XXXX he state the correction will be corrected XX/XX/XXXX because he has work to do to make the correction. on XX/XX/XXXX called XXXX to make my mortgage because he said it would be better if he took my payment over the phone since he knows whats going on with my account. XXXX advise me that I need to call state farm so they can send the check back to Wells Fargo in the amount {$600.00}. I called but I think this should be handle by them since they made the mess so I called XXXX XXXX and they reissue the check back to Wells Fargo XX/XX/XXXX received another letter advising me my mortgage is {$1000.00} problem still not corrected this is becoming a hassel and stressing me out. Can you please look into this matter I can be reach @ XXXX r XXXX I did questin if they know what they are doing because one letter stats amount {$1000.00} another one {$1000.00} but my mortgage is {$880.00}. Thanks for you time.

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 04/24/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (SC).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I recently entered into an income base payment plan with Navient. On  X/XX/17   , I received correspondence from them stating that my application had been accepted, and that my first payment of {$210.00} would be due  X/XX/17   . When I logged on to verify this information, my account was showing up as past due. I contacted the company at least a dozen times to get this corrected.On  XXXX , I spent over two hours on the phone with representatives and supervisors alike who told me they were very sorry for the trouble but were unable to help and that unless I paid the payment of {$720.00}, that my loans would be in default and that the late fees would increase. I confirmed multiple times that this amount would bring me current and that my next payment due would be {$210.00} on  X/XX/17   . I took out a loan and paid the payment   XXXX    . I logged back on to Navient to confirm that my payment was {$0.00}. I took a screen shot. This morning,  X/XX/17   , I logged back into Navient to see if my next payment amount and due date had updated. Now it was showing a payment of {$97.00} due  X/XX/17   . Completely confused, I called them once again. I was told, by a representative and a supervisor, that the payment due was a late fee and that it i actually due on  X/XX/17   . I asked why I was not given that information last week, and why the due date on the website was a month later than the one provided to me on their automated system, and was offered no reasonable explanation. The bottom line is that if I had n't called Navient to explain this charge, I would 've reasonably expected to pay {$97.00} prior to  X/XX/17.  And what would have actually happened, is that I would 've logged on to see more late fees, and a missed payment. Navient has consistently provided false information on their website as well as through their representatives. I have a full time job and children, and not only do n't have the time, but should n't be expected to log on and call Navient daily to make sure I have the most current information regarding amounts and due dates on my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (CO).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage was transferred from XXXX to JPMorganChase beginning XX/XX/2015. When I went to pay Chase, I did not have an account number. I contacted phone number given and was told to pay to XXXX as transfer was n't set up yet. I paid XX/XX/XXXX payment to XXXX. I received account number and paid XX/XX/XXXX payment to Chase. Chase returned payment. I called and automated message said my first payment was due XX/XX/XXXX. By not accepting my payment Chase has increased my interest. I was concerned that no payment XX/XX/XXXX would effect my credit so I checked my credit report and learned that I was shown as owing mortgage amount to both XXXX and Chase -- doubling my debt. Details for XXXX did not include my XX/XX/XXXX payment.

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I notified both XXXX and Transunion that there is an incorrect late payment for XX/XX/2018 for my mortgage with XXXX with both credit reporting agencies. Both credit reporting agencies told me the information could not be changed because XXXX would not correct the information. I notified XXXX and was sent a letter from them verifying that I was NOT late for XX/XX/2018. I would like both my Transunion and my XXXX reports be updated to display the correct information on my credit reports immediately. In addition, since my scores on both reports dropped considerably because of this late notation, I would like to be rescored to reflect the updated information.

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