milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-04-2017 about Debt collection (Medical debt) with OPTIMUM OUTCOMES, INC. (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid in full XXXX $ to XXXX XXXX XXXX at XXXX on XXXX2017 by way of their online portal as outlined in XXXX XXXX XXXX. By XX/XX/XXXX I am receiving debt collection letters from Optimum Outcomes who states they now own the account, in addition to phone calls at least 6-8 times a day and weekends. The company has damaged my credit showing past due collections through credit reporting agencies with all accounts showing open and current collections. This has created significant damages against me, as I have been declined by a housing creditor due to the false information obtained in my credit report. I have disputed the matter with no resolution and disputing the matter through the credit bureaus additionally have shown no effect. This is not compliant with the Fair Credit Reporting Act.

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 07-01-2015 about Debt collection (Medical) with Account Management Resources (OK).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: AMR called attempting to collect on a small XXXX bill on XXXX/XXXX/15. XXXX left a message concerning " personal '' reasons. I called back and talked with XXXX XXXX ( female ) who then stated it was a debt collection and asked to verify me. She then told me my birthdate, last XXXX of my social, and an old address and asked if this is me. I stated " sure '', surprised that even if it wasnt me I could have said yes and gathered all that information given and stole my identity. I then told her it was an old address and asked what it was regarding. The collector became rude and short tempered. I asked for proof of the bill. she stated it was mailed out. I told her obviously they had the wrong address and I had given her the correct XXXX. She stated they " didnt get the mail back '' and told me she would mail a new statement out and hung up on me. I was surprised by the unprofessionalism but more importantly that she gave my information freely to anyone. If I hadnt been me, would she have asked the person to forget all that information she just gave out. I called back and spoke with a supervisor, XXXX, who apologized and stated they would pull audio recording and review and a supervisor would call back. I was called back by XXXX who stated he was a supervisor and had reviewed the audio. XXXX stated that the collector " followed the letter of the law '' concerning my privacy. That he apologized for her behavior. No laws were broken and as a matter of fact they had other bills in office for my name, my sons name, and my daughters name and now we will send you all of these so the original amount we stated was wrong. ( another violation- attempting to collect an incorrect amount for a debt ). He stated again that the letter of the law was followed by giving all the information out and asking " is this you? '' before giving out additional information. I am EXTREMELY uncomfortable with anyone having my information and giving it out so freely. Isnt this a violation of the privacy act?

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2017 about Debt collection (Medical debt) with Synerprise Consulting Services, Inc. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On XX/XX/XXXX I received an email from XXXX XXXX that there was a change to my credit report. It stated between XX/XX/XXXX and XX/XX/XXXX, a new account in collection was added to my report. The collection agency is SYNERPRISE CONSULTING SERVICE INC.  The original creditor was XXXX XXXX. I received a letter from XXXX indicating that I owe them {$340.00} for some labs that they had taken from me. I contacted XXXX and told them the amount of debt and the description of the test that they had included was a lie. The agent whom I talked to on XX/XX/XXXX told me to fax the orders I had received from the clinic I had visited on XX/XX/XXXX. I did that and she said the issued had been taken care and I will be no longer receiving any such allegations from XXXX or any other Agency. On XX/XX/XXXX I received a letter from Synerprise Consulting Services Inc stating the account has been referred to them for collection activity.
I have contacted Synerp
rise through telephone but no one answers my calls. I wrote a letter requesting Account Validation no one has mailed me any reply.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Account opening, closing, or management

Complaint: three years ago bank of america put my name in the XXXX and other databases so i cant do any type of financial transactions on earth anymore. i had a direct deposit from an employer on a friday and typically the money would be available the following monday. on saturday morning i wanted to go to a book sale and pay cash so i wrote a check to my checking account and took out cash knowing that i would be able to cover the check with my direct deposit by the time bank of america " presented '' the check on monday. at bank of america, an transaction made after XXXX on a friday is a MONDAY business day transaction, so obviously my transaction on saturday morning was a MONDAY BUSINESS DAY TRANSACTION. the atm receipt had the date of the transaction ( which was about XXXX on saturday XXXX and also the " business date '' of the transaction which was listed as the following MONDAY. i had done this type of transaction many times before without problems. on monday when i went to the atm to deposit cash to cover the check i had written on saturday morning it said my account had been closed. i called bank of america the they told me they had put my name in the XXXX database as having done " bank fraud '' and that i would never be able to do any type of financial transaction on earth for the rest of my life. i then went over to the local branch in XXXX california and talked to the branch manager XXXX XXXX. he took {$860.00} cash from me ( this was monday afternoon ) so if they hadnt closed the account the check would have been fully funded. he called bank of america and they confirmed to him that they had put my name on XXXX and that i was now blackballed from doing financial transactions on earth. the corporate offices told him nothing could be done about it because " the department that put my name in the XXXX database doesnt talk to anyone, either bank of america employees or customers ''. this was very unfair to me as, under their own rules, bank of america should not have submitted that check until monday, and since the bank manager took {$860.00} from me, the check would not have bounced. obviously since bank of america did not lose money they were not the victim of " bank fraud ''. i went to several other banks like XXXX, XXXX and XXXX and credit unions and i was indeed blackballed from doing financial transactions in america, none of them would open an account for me. this has had a drastic effect on my life since my business in online and i need a bank account to receive payments from customers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (IL).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: Discover card company added a so called " payment protection fee '' into my account since 2006 without any types of permission from me. I was charged this kind of fees since then which I just found it until recently, I never checked my monthly statement in the past 12 years until XXXX weeks ago .... 

I assume that any service or products offered by credit card company can only be added into/charged into clients ' account with confirmation from customer.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Application, originator, mortgage broker

Complaint: I applied for a home mortgage with wells fargo bank 3 months ago. they demanded more and more pieces of information, waited a week or two and then demanded even more. so far i think they demanded the same bank statements XXXX times. XXXX wells fargo mortgage guy XXXX XXXX, dropped out and did n't return calls. the rate is about to go up due to its expiring, and i believe this is a bait and switch technique, where they postpone and postpone and postpone until oh well, you need to pay much much more because time has run out. also the sellers of the house are beginning to pull out and can do so on XXXX XXXX the rate lock in expires XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2016 about Credit card () with AMERICAN EXPRESS COMPANY (NY).
Issue: Rewards

Complaint: I have been a valued AMEX card member since 2013 and happy with their services. However, in XX/XX/XXXX, I have applied for the American Express platinum card with the sign up bonus of XXXX Membership reward point after {$3000.00} spending. I used this card for my daily spending. After one month, I met the requirements, and American Express posted the XXXX points to my Membership reward account. On XXXX XXXX, I noticed that Amex had reversed the XXXX points on XXXX XXXX with no explanation whatsoever. I contacted the CSR and gave me a case number, but told me no reason. On XXXX XXXX, I called the back number on the card, tried to figure out what exactly happened to my points. I was told that my points been reversed was because my spending did not meet their requirements. Since I had received my points after {$3000.00} spending, and AMEX already posted it to my account, I had no doubt regarding what is qualified for the spending. Now, after two months, which already exceed their promotion period ( 90 days of opening account ), AMEX came back and told me my spending was n't qualified??? Are you kidding me? IF it is not qualified, then I should have known. If it is AMEX 's own IT or Tech problem, then I should be granted to their own mistakes!!!! BUT, they did not do anything, so I decided to cancelled the card without any hesitation. 

BUT, this afternoon, I received a call from Membership Rewards, a lady told me my reversed points were still under review, because there was an error regarding of what I had purchase on my platinum card, so she said it might take couple more weeks to finish the review. I told her I had closed my account already, she said if I wanted to continue this investigation, I had to reinstate my account. BUT there is no guarantee of what could happened to my account. 

1. I only asked for extended time to make qualified purchase, since I am the only covering AMEX 's own fault!!!! BUT they would n't grant that!!!! 
2. Since I already closed my account, why are you guys telling me this further review, and suggest me to reinstate!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2017 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Loan modification,collection,foreclosure

Complaint: I XXXX XXXX Have a loan with Bank of America. I sent my modification information, first in XX/XX/XXXX, then again in XX/XX/2017. As of XX/XX/2017 I have yet to be assigned a case manager to my case. I am auto to loose my home and no-one cares. They have given me the run around for three months and everyone I call, they tell me they will escalate the issue. 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 05-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: In  XXXX   2017 I g ot a credit report pulled and it was showing that I had been   XXXX  t imes late on my car payments with   XXXX   XXXX   I call them that day and they told me that I was behind on my car payments  XXXX  difference cars. I told them that I had the bank statement show that I did pay them and on time. I had to fuix to them my Bank statements it took them three months before they gave me credit for  thos  payments there was two payments that they told me that I did not pay I fax a letter to  XXXX  and told them they must report to all  XXXX  credit agents that I had not been late. But they never did. I have been on them since  XXXX   2017. I g ot a call today from  XXXX  saying they wanted to let me know that they was going to have  XXXX  late 's removed from my credit reports. i told them that they was going to cause me to loss our home because I have a bloom payment in  XXXX    XXXX  . The lady said so there is nothing that I am going to do about that. I call the head office of  XXXX  in  XXXX  IL. and they sent me my pay History and it show that I have never been Late on my payments. I have a loan company called  XXXX   XXXX   XXXX  that is working with me on refinancing our home But they are telling me that they can not do the loan until I get all off my report. I even sent they my bank statement showing I had paid them on time. I need your help. I have all the proof to all  XXXX  credit Bureau 's and they still have not removed anything and it has been three months. I have sent it them each month and all the proof that this is fraud from  XXXX   XXXX . Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Closing on a mortgage

Complaint: Sold the House at XXXX XXXX XXXX, XXXX, NC, XXXX as short sale. MY name and my wife 's name on the house. Nationstar Mortgage approved the last offer after they denied two offers before. 
After the process of the short sale completed, Nationstar Mortgage ( XXXX XXXX XXXX XXXX, XXXX, TX, XXXX ) issued two XXXX form for year XXXX, one for me and one for my wife with {$22000.00} each. 
MY tax accountant used both forms Total of {$44000.00} as income with our income tax for year XXXX, which effected on our refund amount. 
I have called Nationstar Mortgage to discuss those two forms because the amount of {$44000.00} is too high. They mentioned they have lost only {$22000.00} because of the short sale. I have asked them to send me a new XXXX with my name and my wife name with total amount of {$22000.00} because we file joint income tax or send me two XXXX one for me and one for my wife with {$11000.00} each ( $ XXXX ). Also asked them to send me itemize document to show how they lost {$22000.00} I have called them three times until now I have not received any response from them. 
I have attached some documents for your record. 
I appreciate your help to get them fix this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (OH).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Enhanced Recovery Company , LLC, XXXX XXXX XXXX, XXXX, FL XXXX. On XXXX XXXX, 2015 the said collector sent me a notice of some alleged XXXX-year old debt of {$97.00} from XXXX. On XXXX XXXX, 2015 I responded with a dispute letter. The collector in question has never responded to me with the required by federal law verification of my alleged debt after my dispute. Instead, they just went ahead and filed a damaging report of this " debt in collection '' with credit bureaus. I wonder do we still live in a country whose citizens must abide by law and why some people think they are immune from so blatantly braking the law?

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 02-01-2016 about Credit card () with SYNCHRONY FINANCIAL (CT).
Issue: Delinquent account

Complaint: I have several accounts with Synchrony Bank, including Banana Republic, Walmart, Amazon and Toys R Us. The accounts mentioned are currently past due, however, there are payments scheduled for each account to bring them all current. My bank returned payments, their discretionary overdraft protection will either pay or return items. The scheduled payments will be paid as I am expecting deposits from my employer and others. Please advise them of this as I have been receiving collection calls. I do not have payment amounts and scheduled dates in front of me, however, they 're all scheduled on or around XX/XX/XXXX or XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX on XXXX/XXXX/17 sent me a letter from the District Manger Stating a XXXX balance on my account. 

There are other issues at hand showing late days of 180 days if you look at the dates by Equifax and the dates it makes no since and the Letter dated XXXX/XXXX/17 and its late when the account was closed out so how does the account run that many days late. 

My next issue XXXX XXXX was serve 3 letters to pick up the lease Furniture and did not answer after I call and sent certified mail to close out the account. I have all the Reg Mail from the post office in which they never replied back until I had to go to an attorney about the problem. 

There is no balance on this account I have the letter from the District Manager for XXXX XXXX  regarding the Situation and they have me listed at Equifax and And XXXX as a Charge off balance in which there is no balance nor a charge off. The account is inactive as stated by the District Manager. 

I have tried several times to resolve the issue with them on the matter. 

There is no balance owed as stated by the Equifax or XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2016 about Bank account or service (Checking account) with U.S. BANCORP (CA).
Issue: Deposits and withdrawals

Complaint: In XXXX XXXX, the XXXX XXXX XXXX XXXX, XXXX. 
Opened an Account at the US Bank to Host a Conference and addeded the XXXX XXXX 's officers as co-signers on the new account. 
We requested at that time to honor only those checkss with XXXX signatures on it. Unfortunately, XXXX of signers opted to act as a long ranger and went to various USBank and branches and withdrew {$10.00}, XXXX during a period of 22 days. No one at US Bank bother to notified any of the other XXXX signatories on the account. We asked why it was allowed, we were told that she is XXXX of the owners on the account. We were also told that 's not their policy to monitor and/or check for XXXX signatures. 
I requested a copy of the original signature card to verify that we requested XXXX signatures on withdrawnals USBank never disclosed to the XXXX originals signers that they could onlyhonor only XXXX signers. Had that disclosed to us initially, we would have opted to go to another banking institution. 
It has been five days since we made a request from USBank to no avail. The only print out we received from USBank was on XXXX/XXXX/XXXX with XXXX XXXX and XXXX XXXX name on it. 
It has been 5 days since we requested the original signature card from US Bank to no avail. 
The only document that was given to me was that of XXXX XXXX, XXXX with XXXX XXXX and XXXX XXXX signature on it and the below resolution on it : Resolution of Non-Profit Association, Lodge, or other Similar Organization ( continued ) Authority to open accounts, make deposits, and withdraw funds ( Must have XXXX signatures to withdraw funds ) - The XXXX XXXX XXXX. 
Point # XXXX : To the extent that they only could produce the authorization of XXXX signatures ( XXXX XXXX & XXXX XXXX ) how could they officially know that XXXX was authorized to withdraw money from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, account without any proof on file? 
Point # XXXX : The XXXX XXXX XXXX ) original signatures ' cards not available with XXXX XXXX, XXXX XXXX and XXXX XXXX names on it. Banks should be able to produce the original within hours of customer 's request, if not on the spot. 
XXXX # XXXX : US Bank never disclosed to the original XXXX XXXX XXXX ) signers that they would honor only XXXX signature on checks written. The reason why the XXXX XXXX XXXX XXXX allowed both XXXX XXXX XXXX XXXX XXXX to be authorized to sign jointly with both XXXX XXXX or XXXX XXXX to ensure accountability. 
Point # XXXX : The XXXX XXXX left US Bank On XXXX, XXXX with the impression that No one signature would be allowed to withdraw funds from the bank account that was set-up especially for the XXXX XXXX Conference under the XXXX ( c ) XXXX non-profit belongings to the XXXX XXXX XXXX XXXX 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 explanation