milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/26/2015 about Debt collection (I do not know) with National Principal Group, LLC (CA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: XXXX XXXX of Lakefront Processing Solutions called and left a voicemail on my phone saying there 's a claim against me and referenced claim number XXXX. She called from XXXX ( a spoofed fake phone number ). She wants to verify my address to present me with my formal claim at my residence and place of employment. She goes on to say at this point I have an opportunity to call the firm handling this claim to discuss the matter at XXXX. She then ended the call saying I was officially notified. I do have this message saved on my voicemail so I do have proof of this call.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2015 about Credit card () with JPMORGAN CHASE & CO. (WA).
Issue: Other fee

Complaint: I have a Chase credit card. Upon receiving my bill for XXXX 2015 amounting to {$2700.00}, I paid the next day {$2700.00}, intentionally leaving a unpaid balance of {$83.00} I used my internet XXXX banking account. The XX/XX/XXXX bill showed an interest charge of {$14.00} on an unpaid balance of {$1000.00}! I called Chase to question where they came up with this amount. She said it was based on your average for the month and could not explain it any better to me. I feel if I paid all but {$83.00} I should be charged interest for JUST this amount for the XXXX days it was carried over till next month. I think this is a scam used by credit card companies. If Chase has XXXX XXXX card holders and they do this to everyone that has an unpaid carried over amount, they make a lot of extra money each month and is vary unfair to card holders. I bet few people realized this is going on and do n't question the excessive interest on their bills each month. I read the recent article in XXXX magazine and felt it worthy of sending this note to you. Thank you for protecting us. XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/26/2018 about Debt collection (Medical debt) with Phoenix Financial Services LLC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: There is a collection agency account on my credit that I have no knowledge of. During the times that this debt was created I was incarcerated. Also the city and state are both located in XXXX Florida where I never had a residence. I have contacted them several times and provided all documents, yet this debt is still on my credit. Its show two times on my credit for the same amount, but 2 different collection agencies. 

XXXX XXXX XXXX {$1000.00} - XX/XX/XXXX Unpaid COMMENTS MEDICAL, XXXX XXXX XXXX XXXX XXXX PHOENIX FINANCIAL SE {$1000.00} - XX/XX/XXXX Unpaid COMMENTS COLLECTION ACCOUNT, XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I have been trying to re-new my income-based payment plan for almost six months. My old plan expired. Six months ago, I mailed in the application with a signed letter claiming my income as instructed. When I never heard back after a few weeks, I called them and they said that I had " checked off the wrong box '' so my new plan could n't be processed. They told me to check off the right box and re-send the plan in. But, when they transferred me to another department, that department said that I had checked off the right box, but that they needed better proof of income ( which I could n't provide since I was an independent contractor at the time ). They said they could n't help me further, and I was really confused. Flash forward to three months after that, I got a new job with an offer letter that I could use as proof of income. My loans were in deferment this whole time ( as they hand out deferments like candy because it only means more money for them ). I decided to try to fill out the online income based application on the federalstudentloans.gov website. I fill out the form then get a series of conflicting emails saying that I both was and was n't approved, and that the next step should be to upload the proof of income. So i decide to upload the offer letter responding to the latest email, but it 's been like crickets since then, I have n't heard from them and this was over one month ago. I do n't know what to do because my hope that my plan will get processed is completely gone at this point. Why do they seem to have so many problems?

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2015 about Consumer Loan (Vehicle loan) with Byrider Franchising, LLC (OH).
Issue: Problems when you are unable to pay

Complaint: I returned the car back to CNAC and I am sure they resold the car I do not owe this much I had to return the car myself when I told the person I could n't afford this car she said if they come get it I owe XXXX up front HOW DO I CHECK INTO THIS the amount they have ca n't be real if they resold the car PLEASE HELP GET THIS OFF MY CREDIT

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2017 about Debt collection (I do not know) with Select Resource Group (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: Every month with today XXXX/XXXX/17 - XXXX EST being the latest call. I received an aggressive message stating im leaving no choice but to file suit, garnish wages, notify employer of debt, time is running out to resolve the issue, its in my best interest to contact them. they have my social and its my last chance?

Company response to consumer: Untimely response
Consumer complaint received 03/20/2015 about Credit card () with DISCOVER BANK (NH).
Issue: Closing/Cancelling account

Complaint: I have been a discover credit card holder since 2006. During my entire membership with Discover, I was never late with payments, always stayed under my credit line, and never charged my credit card for any purposes other than making a legitimate purchase. Also, my credit score is always kept in a good standing. 

In last month, without any notice in advance, Discover closed my account and thereby wiped out my long credit history associated with Discover card. I contacted the company and demanded for an explanation. However, the only answer I got is " we are no longer able to meet your servicing needs ''. In the meantime, my cashback rewards of {$330.00} was wiped to XXXX. I called Discover again and asked about the cashback, and I was told it will be added to the remain balance and returned as a check. However, after 5 weeks, I still have n't received any check regarding the cashback reward. 

Upon the discussion I learned from the internet, it seems the closing was targeted at a large number of cardholders with a particular racial and ethnic background without a just ground. Thus, I respectfully urge the CFPB to take this matter seriously and to look into this case. We consumers are powerless to protect ourselves from discriminatory actions like this. But if the closing was indeed motivated by racial bias, the company 's action has to be put to an end. Thank you for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Debt collection (Medical debt) with FIDELITY CAPITAL HOLDINGS, INC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I got a call from a company called XXXX XXXX XXXX ( Fidelity Capital Holdings ). They claimed I owed over {$1000.00} to 2 doctors. They had personal information about me but I did not owe the doctors any money. I called the hospital the doctors are associated with and they told me I did not owe any debt or have any open accounts there. I tried talking to the company to find out more information about the debt but they were extremely rude and unprofessional. They were abusive and would not give me straight answers. I asked for their profesional license number to find out if they were a legit company and they refused. They hung up on me and told me to XXXX it. When I asked them if they were real they would not answer me. I barely got any information about the debt. They did n't even want to spell the name of the doctors for me. one woman I spoke to could not speak English so I told her to speak to me in XXXX and she did at first but then would go back to English. Her enlglish was  incomprehensible and her XXXX was extremely fluent but she refused to communicate with me in XXXX. Every employee was aggressive and abusive. They would not let me talk and they would not answer my questions. I was simply returning a voicemail I received in which they identified themselves, asked for me and said that they were calling to collect a debt. From what I know about the law when it comes to collections, a voicemail is a third party and a collection agency is n't allowed to disclose or attempt to collect a debt on voicemail. They were horrible and I believe they are a scam. From reviews I read online I saw people claiming they have paid this company and did not receive any receipts or proof of payment. I want to prove this company as a scam so more innocent people are n't effected by these abusers.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Debt collection (Credit card debt) with Accelerated Servicing Group LLC (WA).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: I spoke with someone XXXX 2017 at XXXX XXXX XXXX : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, him and I ( I believe XXXX ) made arrangements to pay {$100.00} a month, I told him I 'd call by the XXXX, if not I will for sure call by the end of the month. The company has called a few times already this month ( XXXX ) and when I called " XXXX XXXX '' I told him I was calling to make a payment, that my grandfather just passed away so that is why it 's later in the month ( but still before the end of the month ) He Immediately started raising his voice saying hm ok, you are no longer trusted to make the payments and the client wants to do automatic payments. I said no, what? what do you mean? I am calling by the end of the month. I did n't even get a chance to tell him I ca n't do automatic payments because I 've had so much fraud on my bank account and it worries me. He told me my credit was garbage and that is why I ca n't be trusted. What does my credit have to do with who I am? this " XXXX guy '' does n't know our story nor would he care and he treated me with so much disrespect. He than said I 'm not talking to you anymore, have your lawyer call me and hung up on me. 

How do I work towards making payments if the person who is suppose to be collecting the payments wo n't talk to me? I am now in the middle of calling the credit card company trying to see if they will take my payments or send it to a different collection agency because I DO WANT TO PAY IT OFF but I ca n't handle the belittling and bashing from this company because the situation is n't picture perfect. I have read numerous complaints about this company and they do not care how they treat people and the only reason they get payments is because they bully people and do n't treat them like people. DISGUSTING!!

Company response to consumer: Untimely response
Consumer complaint received 11/15/2017 about Vehicle loan or lease (Loan) with Carvana Group, LLC (GA).
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint: Dear sirs, I purchased my vehicle from Carvana around XXXX/XXXX/XXXX, Ive not received my tags and registration to the vehicle by XXXX/XXXX/XXXX and contacted the office being my temporary tags were due to expire XXXX/XXXX/XXXX. 
The rep advised I should be receiving my tags by mail any day. By the time XXXX/XXXX/XXXX came, my temp tags are expired. I contacted carvana again and was advised by rep XXXX they should have come XXXX XXXXnd the rep will follow up with the department that handles the tags and contact me back. 
I received a voicemail on XXXX/XXXX/XXXX stating my tags were mailed out on XXXX/XXXX/XXXX and I should have received them by now., if not Im to file a police report and contact local DMV for replacement. 
I contacted the office back and talk to XXXX the operations XXXX, she informed they were indeed mailed out on XXXX/XXXX/XXXX, NOT XXXX and the next steps was to file a police report for lost or stolen tags, and contact XXXX, however, I have called numerous occasion, even prior to my temporary tags being expired and was NEVER informed this needed to take place, I was also informed they should be recieved by XXXX by another rep now Im being told something conflicting by the XXXX. 
I work 10/11 hour days and dont have the time to go to multiple entities to obtain my tags to a vehicle when Im under the impression the Car Dealership has processed. This experience has been extremely frustrating, not to mention I 'm at risk of receiving a ticket based on my expired tags. I have not come to any resolution with Carvana, I do n't even know if they processed the tags and registration.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2016 about Debt collection (Payday loan) with ACE CASH EXPRESS, INC. (OH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Are calling multiple times per day, as frequently as 5 times per day using a XXXX number and leaving NO message as directed This is disruptive to my work environment. Other creditors are leaving Voice messages and only calling 2x per day maximum and leaving Name, Company Name and number to be reached at. 

I believe Ace Cash Express is in violation of FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SANTANDER CONSUMER USA HOLDINGS 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: I currently have an open automobile account with Santander consumer USA and I disputed the dates that were not showing as they havent reported the account current to the month of XXXX it was only showing since XXXX now XXXX removed the account from my XXXX report although my account is current and still going also on my XXXX XXXX report they increased my amount by {$260.00}  with no reason after I called Santander it shows that is incorrect! I want XXXX to put the account back on file as it was and XXXX XXXX to correct the amount owed to Santander consumer USA immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2017 about Debt collection (Medical debt) with Io, Inc. (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: The original amount of the bills was {$71.00} with   XXXX   XXXX   XXXX   ( Medical ), however the collection agency Receivables manager company is   changing more that was is owed, the original amount of {$71.00} has been paid, however the debt collector is reporting a balance owed of {$99.00} See Collection Agency Information on   XXXX   Report

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 12/20/2016 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (MD).
Issue: Loan servicing, payments, escrow account

Complaint: Currently, Ocwen wants me to start the modification process all over. Ocwen has lost or misplaced my paperwork multiple times. I have answered every call, attended every appointment but when it come time to submit paperwork something happens. Recently they approved my modification. I completed all of the trail payments, submitted all of the paperwork even after the XXXX set was destroyed by rain. Then on XXXX XXXX they denied my paperwork after assuring me that they have my file and I only needed to correct XXXX slight issue. I returned their paperwork before their due date and they have since started foreclosure precedings on my home. Even though they send me an agreement saying to return the corrected paperwork by the XXXX and the loan is still modified. Multiple phone calls have only lead to their reps saying everything is ok yet they continue to send denial letters and foreclosure paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (WA).
Issue: Credit determination

Complaint: I signed up for a CapitalOne card in XXXX, 2014, but somehow CapitalOne recorded my social security number incorrectly. Because ones social security number is required as confirmation to access your account to pay bills online and to speak with customer service representatives, I was unable to access my account to make payments until finding the time to complete a 2-hour phone call in XXXX, 2014 to correct my information. During this period, I missed 3 payments because I could n't access my account. I believed that these late payments should be removed because I was unable to access my account due to a mistake by the credit card company. 

I contacted CapitalOne to remove these late payments from the credit rating agencies ' records, which they said they would do. However, upon checking a month later, I found out that CapitalOne had not disputed the late payments, but instead had confirmed them to the rating agencies and preemptively filed a dispute correction. When I asked for them to send me a copy of the

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2015 about Credit reporting () with Experian Information Solutions Inc. (OR).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: My girlfriend and I were denied for an apartment application because there has been a false claim made on both of our credit reports indicating that we owe {$680.00} to XXXX XXXX Apartments. This information is false because a ) we have paid off the last of our rent and b ) we never collected our {$500.00} deposit. And when we left there was nothing in writing given to us by XXXX XXXX Apartments stating there was a remaining balance due. So with this going on we have now become XXXX step closer to becoming homeless because of this false claim. And when we went to investigate the claim XXXX credit reporting companies have no record of this claim and when we finally called Experian Credit Reporting, we could n't get a hold of an operator for hours of retrying and retrying different selections in the call menu. So now here we are and this complaint is going out on both XXXX XXXX XXXX and Experian Credit Reporting.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Services was contracted with XXXX XXXX and has been contracted with XXXX XXXX for approximately 14 years when recently ( last 1 1/2 years ) and is currently still under contract. The contracted provider started charging excessive fees, interrupted services, billed for services not contracted, failed to render services as contracted, and closed the account without authorization or consideration for number portability. Failed to respond to FCC complaints. ( FCC Complaint # ( s ) : XXXX, XXXX, XXXX, XXXX ) Requesting for consumer, XXXX XXXX XXXX to pay to terminate contract and services not provided and/or billed. Will attach additional information pertaining to payments and services.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2016 about Consumer Loan (Vehicle loan) with EXETER FINANCE CORP. (AL).
Issue: Problems when you are unable to pay

Complaint: Car was repoee with 13 days delinquent and would n't allow recovery unless full loan amount paid EXETOR FINANCE

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2016 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have XXXX primary forms of Health Insurance and was told XXXX XXXX XXXX XXXX XXXX XXXX accepted and would process my claims thru each of the health insurance companies. I have contacted XXXX XXXX several times and received XXXX cooperation from administration. All Items and equipment was returned and no longer deal with this provider. I have found a medical provider that has accepted my XXXX and XXXX as full payment! Please contact me if you have any questions. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2016 about Debt collection (Medical) with Professional Collection Service Inc (GA) (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX. Sold my medical information to Professional Collection Service Inc XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX, ,and did not provide me a HIPPA release that releases my medical information, therefore by providing such information they are in violation of my HIPPA rights. I am proceeding with legal action as prescribed by law against the above named orginal creditor/collection agency should this item not be deleted within the requied time by law. 
XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Account # XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: My XXXX student loans were forgiven on XXXX/XXXX/16. Navient refuses to report XXXX balance to XXXX. I have disputed 4 times to no avail. Navient acct XXXX.When XXXX asks for docs they tell them the balance between the XXXX is $ XXXX instead of zero.I can not get Navient to cooperate.

Company response to consumer: Closed with explanation