milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-03-2016 about Debt collection (Medical) with Maury Cobb, Attorney at Law, LLC (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I receive collection calls throughout the day to my work cell phone number from an automated system representing themselves as " MAURY COBB ATTORNEY AT LAW LLC '' attempting to collect a debt. The automated message states my full name on the recording which is a HIPAA violation. A call back number of XXXX is given however when I attempt to call back it states the person at ext XXXX is not available and to leave a message. This is a business number and I need this to stop immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2015 about Bank account or service (Checking account) with NAVY FEDERAL CREDIT UNION (TX).
Issue: Deposits and withdrawals

Complaint: I Lost My Wallet XXXX XXXX, and On XXXX XXXX Someone Deposited a {$5000.00} Dollar Check in My Account Taking The {$5000.00} and My Money along With It Out Of My Checking {$800.00} and XXXX From My Saving and Payroll Check {$210.00} and I Called to Let Them Know! Done Everything Thing They asked Me To Do And Still Have n't Gotten My Funds Back! I Reported It All! I Really Thought My Funds Was Secured Have Been Banking With Navy Federal For Years! Just Moved To Texas Where There is No Navy Federal and Something Just Do n't Seem Right About This! Thank U

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MN).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I was charged a fee by Navient because they stated I was late in making one of my payments in XX/XX/2017. Being a customer with good credit, I did what most consumers do when their lender treats them unfairly, and took my business elsewhere. I refinanced with XXXX XXXX. XXXX sent the money to Navient on XX/XX/8.  Navient LOST THE MONEY, and proceeded to tell me it was my responsibility to prove that the payment happened. Only with several phone calls, tweets, and finally a three way call between XXXX and Navient was the issue finally ( I thought ) resolved. The refinance amount left some of the loan unpaid, so I paid it off. Except, guess who lost the payment! AGAIN! Now I'm submitting online documents. Seems to me this is a convenient pattern of missing payments, in hopes that I am the kind of customer that just forgets about things and doesn't follow up so that they can charge extra fees.

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (MI).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: Midland Funding LLC Continues to come to my home looking for someone who does not live in the house knowing he does not live with us. Bangs heavily on the door and sits in his car watching the house. Now they are taping things to my door.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My account w/ XXXX is being reported as a 90 day delinquency. I have made contact w/ XXXX and provided proof from XXXX indicating that I WAS NOT in delinquent BUT in forbearance. <P/>Payment history is 30 % of my credit score and its accuracy is most important. <P/>update the report and remove this 90 Day delinquency for XX/XX/2015.

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 02-08-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Focus Holding Company (VA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Company filed a negative comment on my credit report. Did not receive any written communication from them.? This company inundated my land line for several consecutive days. I would not give them any of my personal information because I was unsure if they were a scam for my identity. I asked them to send me the invoice and also I was told that it will be put in dispute STATUS AND WOULD NOT BE ON MY Credit report till they here back from the creditor. next thing i know its on my credit report and I never received the invoice till this day!!!! but they added a derogatory comment on my credit report.I DESERVE VAILIDATION OF THE DEBT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: The referenced accounts have been reporting on my consumer credit file in error 1.XXXX XXXX XXXX 2.XXXX XXXX XXXX 3.XXXX 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 non-monetary relief
Consumer complaint received 05/29/2015 about Mortgage (Conventional fixed mortgage) with ONEMAIN FINANCIAL HOLDINGS, LLC. (CO).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX purchased my loan from Springleaf in XXXX 2014. XXXX states XXXX of my {$500.00} XXXX payment was kept by Springleaf XXXX XXXX also states an additional {$390.00} was billed from Springleaf for repayment of Corporate Advace. XXXX provides no proof of this and refuse to bring my account up to current status. Please review your records for these transactions. 
XXXX statementWe have conducted an investigation, and it was determined the error asserted within your correspondence did not occur on the account. Our records indicate the servicing responsibilities for the mortgage loan account transferred to XXXX, effective XXXX XXXX, 2014. Enclosed for your review is a copy of our Welcome Letter, dated XXXX XXXX,2014. At the time of the transfer, the mortgage loan account was next due for the XXXX XXXX, 2014 monthly installment. The Springleaf Financial Services ( Springleaf ) transaction history reflects the receipt of {$500.00} on XXXX XXXX, 2014 ; however, at the time of transfer Springleaf forwarded the partial balance amount of {$240.00}. The funds received were not enough to complete the monthly installment amount. In reference to your concern regarding the fee of {$390.00}, please be advised this was not a fee charged to themortgage loan account by XXXX. This amount was an adjustment to the XXXX XXXX balance which transferred from Springleaf.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2017 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Advertising and marketing

Complaint: Hello. I am writing a complaint regarding the American Express Blue Cash Everyday sign-up bonus in which if you spend {$1000.00} within 3 months, you get {$250.00} back. I opened up my blue cash everyday card XX/XX/2016 because of that sign-up bonus and did spent more than {$1000.00} within 3 months, actually I spent more than {$2000.00}. However, I still have not gotten anything. It has been a year, so I decided to chat them starting this XXXX and they are keep saying that it is being researched by the specialists and my request is still pending. Every time I chat with them, they always tell me to come back in couple days to check if it has been approved or not, but every time I come back and ask, they would tell me it is still on pending and they are working their best to find out. No notifications whatsoever. As of today, still, they are still working on my sign-up bonus in which they would never tell me. I would like to get my {$250.00} sign-up bonus. that was the only reason why I signed up for this card.

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Portfolio Recovery is constantly calling me multiple times a day. I 've had days where they call me a minimum of XXXX times. They use different numbers from all over the United States. I block XXXX number and they call me a little later from a different number. They call me on my cell phone using tons and tons of numbers every day of the week. They call my house phone every day of the week at least 3 times a day. There is no rest from them whatsoever and it 's harassment at this point. I do n't even know what the supposed debt is. I know I have debt but I do n't remember ever being told what debt this is. They call and never leave voicemails. I search the numbers and find out it 's them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-06-2016 about Debt collection (Mortgage) with Federal Adjustment Bureau, Inc. (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: XXXX I have never done business with FEDERAL ADJUSTMENT BUREAU COMPANY there is a account entry # XXXX Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt. I failed to see anywhere that FABCO is in compliance with 1319.12 ( O.R.C. ) Taking Assignment of Debt!

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 01/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with QUICKEN LOANS, INC. (CO).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XXXX/XXXX/2017 I filled out some contact information on line regarding mortgages. On the same day I was contacted by an employee of Quicken Loans and we discussed different scenarios. I told him that I had excellent credit. At no time during the call was I asked for my permission to have my credit pulled. I was very surprised to see a hard pull on my credit report and notified Quicken Loans immediately by phone. They looked into it and determined that I had given permission and that they would not remove it from my report.. Since all calls are recorded, they played back the call for me. As I remembered, I was never asked if they could or told that they were going to run my credit. Their reasoning was that their employee explained enough to allow them to pull my credit. Their business practice is deceptive and misleading to any consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2015 about Debt collection (I do not know) with Navient Solutions, LLC. (AZ).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: They have violated a cease and desist order given to both collector and supervisor. They have failed to provide proof of obligation both to me and to the credit bureaus where dispute was filed. They contacted me via automatic dialer on XXXX XXXX, 2015 about XXXX AZ time about XXXX days after cease and desist was filed.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2016 about Debt collection (Medical) with Suburban Credit Corporation (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Continued phone calls and now letter from Suburban Credit Corrp. of XXXX, VA, to collect a medical debt THAT I DO NOT OWE.

Company response to consumer: Closed
Consumer complaint received 08/21/2016 about Credit card () with DISCOVER BANK (NY).
Issue: Cash advance

Complaint: Reference to complaint XXXX. Have twice attempted to submit DISPUTE with two different operating systems without success. Have returned to this format for DISPUTE. 
DISCOVER has failed to provide remedy to original complaint/question. We 're not interested in the company line that we 've been told time and again. We 've asked for an account audit from XXXX through XXXX to determine when/why " purchase '' balance was transferred to " cash advance ''. As previously asserted, we have never used " cash advance ''. 
Why would DISCOVER Fraud send us a letter stating an investigative determination in our favor and proper adjudication forthcoming? 
Why is it so difficult for corporate America to do the right thing. 
Really. Seriously. If it was your mother who found herself in this situation, would n't you do everything possible to help her? Would you tell her, sorry mom - you 've got no proof. 
Would n't you use all of your corporate knowledge and assets to find the truth? 
It 's data. It 's stored. It 's in your possession not mine. 
Thank you for your consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I have gone back and forth with both Transunion and XXXX credit reporting agencies. I have disputed and disputed, and they remove some things and then reinsert them again, making my score go down by over XXXX points. I do n't know what to do as the debts they are talking about are in most cases over 7 years old, and in the State of Nevada, credit card debt is only collectible for4 years. They are ruining my credit, and I ca n't get another card to pay off a high interest card with a no interest card. The new ones in question are from long ago charged off credit cards from XXXX. I am attaching a letter sent to them to inform the credit card companies of the charged off nature of the XXXX accounts. They are from XX/XX/XXXX and XX/XX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-02-2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Please REMOVE the Inaccurate Late Payment History for these Collection Accounts for XXXX XXXX XXXX ( acct # XXXX ), XXXX XXXX ( acct # XXXX ), XXXX XXXX XXXX ( acct # XXXX ). I do not have any payment agreement with them.The Closed Charged Off accounts from more than a year ago are Inaccurately getting reported as Open and Active by Collections Agencies. However, they are falsely reporting every month a Missed Payment or Late Payment. This is negatively affecting my report every month.

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 06/24/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (IL).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I was a loyal member of the Delta Skymiles American Express Credit Card for several years, and I recently had the unfortunate experience of finding several thousand dollars of fraudulent charges on my credit card. I submitted a fraud claim to American Express and they promptly handled the situation. This was subsequently followed by an investigation. <P/>During the investigation I was asked a series of questions which I answered and over the course of the investigation, the merchant where the fraudulent charges came from was unable to generate any documentation that could substantiate that these were in fact valid charges. <P/>To my surprise, the AMEX fraud team member informed me that they would not be removing these charges from my account. I asked if they could do that given that no documentation was provided from the merchant and she could not answer the question. I then asked to speak to her manager- I spoke with her manager and her manager was also unable to answer the question " can you reinstate charges on a fraudulent claim when no supporting documentation was provided by the merchant? ". So I then asked to speak to her supervisor. Her supervisor left me a voicemail when I was out of town on business and by the time I returned they decided my case was closed and put the charges back on my account. <P/>I was never given the chance to speak to the supervisor and be given a fair chance to discuss the fraud process. It seems that AMEX was eager to close it out and did not wish to involve me as much as I felt was fair and necessary as the consumer claiming several thousand dollars of fraudulent charges. Furthermore, I feel that, because these were NOT my charges and there is no documentation to support them, I should not be held liable for paying for them. As a responsible person I am writing this not only because I feel this is unjust, but also because I want to pay my bills, and I certainly want to pay AMEX whatever is owed to them. However, I do not wish to pay for charges that I did not make and I think that most people could understand that rationale. I sincerely appreciate your time to review my

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2016 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (CT).
Issue: Credit decision / Underwriting

Complaint: Ocwen is the serve provider for the mortgage. I can not verify nor can Ocwen but I believe the holder of the note is XXXX XXXX. The mortgage was purchased by the above companies from XXXX XXXX. It was a Home Affordable Modification Agreement processed after my divorce to my ex wife. In accordance to the divorce degree dated XXXX, I was asked to cooperate with her in getting the mod. The mod is solely in my name as was the original mortgage. However because XXXX XXXX knew of the divorce and the terms of the agreement they structured the modification to add the Federal Law XXXX 12 U.S. Code 1701j-3 allowing the mortgage to be assumable to my ex wife provided she was living there and the house was quit claimed to her. Both are fact as she has been living there, paying the mortgage and the house was quit claimed at the time of the divorce XXXX. Shortly thereafter the mortgage was purchased by XXXX XXXX and Ocwen became the service provider. Since XXXX I have been attempting to remove my name from the mortgage and have my ex wife assume the mortgage as stated in the federal law XXXX XXXX 12 U.S. Code 1701j-3. Ocwen sent me e mails claiming the mortgage was not assumable and they were not familiar with the federal law XXXX XXXX Act. After 2 years Ocwen acknowledged in writing that the mortgage was assumable under the federal XXXX XXXX XXXX. Ocwen issued an e mail to me stating that I would have to amend the terms of my divorce decree to allow such an assumption in accordance with the provisions of the XXXX XXXX XXXX. I have spent thousands of dollars in court and attorney 's fees to gain all the required doc 's Ocwen insisted I provide in the subject e mail to me. I e mail Ocwen on XXXX XXXX the information they required to remove my name from the mortgage by the federal law XXXX XXXX XXXX. Ocwen now has stated they will not remove my name without reason. I spoke to them again on XXXX XXXX, XXXX and they stated they may review it again. 
I am writing to the CFPB because I have done exactly what I was asked to do by Ocwen to remove my name and have spent thousand of dollars to get them to recognize a federal law. I also have read that the CFPB in XXXX ordered Ocwen to provide XXXX in relief for wrong doing. Part of the wrong doing was 1 ) Providing false or misleading reasons for denying 2 ) Failing to honor previously agree upon modifications with prior banks or servicers. I truly believe this is the case. In fact when you read the XXXX XXXX XXXX their is no mention of the decree having to state anything about an assumption. the law is written into the language of the mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2016 about Mortgage (Conventional fixed mortgage) with Servis One, Inc. (GA).
Issue: Loan servicing, payments, escrow account

Complaint: BSI financial does n't send me a monthly statement each month nor can I pull from my online account. In addition, it appears each monthly payment is not applied in the month in which is was paid. The account shows paid, however, the business office is a month to two months behind in posting the payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Billing disputes

Complaint: In XXXX 2016, both Macy 's American Express and XXXX XXXX informed me that my cards had been compromised. XXXX XXXX took care of everything quickly. Macys is continuing to claim that I owe them money for something I never bought. Over the months, I have been told I had no balance, then that they owed me money, and now that I have to pay a fraudulent charge because " the vendor reimbursed me. '' I never used this card to buy anything outside of Macys. I had been dealing with Macys online, disputing their final bill to me of nearly {$200.00}. I was told it would be taken care of. Then I received a bill from Macys for this amount plus late charge fees and interest. I wrote a letter to Macys on XXXX/XXXX/16, disputing this charge. I sent documentation along with the letter, but did not send it certified mail. Now I am getting harassing phone calls from someone from Macys demanding that I pay this bill.

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