milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/15/2017 about Debt collection (Medical debt) with RMB, Inc. (AL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: I checked my  XXXX  Credit report and I seen this company pop up as a open  account RMB INC with Huntsville Hospital it states that I owe money and it made my credit score drop it was reported not just once but 3 times on my credit report with only  XXXX  of them stat ed that it was included in Bankruptcy but the other  XXXX  was not reported in bankruptcy. I attempted to contact the company  two  times with no results I even left messages on Friday  XXXX  the  XXXX    XXXX   at  XXXX  in the morning they transferred me to the manager no answer and I left a message for him to contact me. I waited nothing I called back on Saturday  XXXX   XXXX  left a message no reply. I contacted my lawyer and legal charges will be filed if they do n't removed this off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2017 about Vehicle loan or lease (Lease) with VW Credit (NV).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: From  XX/XX/XXXX  to  XX/XX/XXXX  all of the transaction history of the lease billing and payments appears to be correct. The problem started on the  XX/XX/XXXX  billing statement ( with a due date of  XX/XX/XXXX  ). For an unknown reason, the  XX/XX/XXXX  billing statement displays a past due amount of {$1.00}. I called VW Credit on  XX/XX/XXXX  and spoke with  XXXX .  XXXX  was not able to determine the reason for the past due amount. Even without an explanation or justification from VW Credit, I paid the amount listed because I did n't want to risk being delinquent.   Even after paying the regular amount due and the {$1.00} past due, the same amount of {$1.00} past due appeared on the  XX/XX/XXXX  statement ( with a due date of  XX/XX/XXXX  ). I contacted VW Credit again by phone and this time spoke to  XXXX .  XXXX  's explanation was that VW Credit was having an issue with a data feed to a third-party statement producer and that the past due amount was incorrect, did not need to be paid, and could be ignored. I requested that the statement billing be corrected.   The  XX/XX/XXXX  statement ( with a  XX/XX/XXXX  due date ) continues to display a past due amount.   I contacted VW Credit now a third time, this time I spoke with  XXXX  on  XX/XX/XXXX .  XXXX  did n't have an explanation but said she would request a transaction analysis from a support department within VW Credit and get back to me.  XXXX  has provided no follow up.   I contact VW Credit for a fourth time today,  XX/XX/XXXX  and spoke with  XXXX .  XXXX  and I were on the phone for nearly 90 minutes. We reviewed the billing and transaction history month by month, transaction by transaction since the lease inception in  XX/XX/XXXX . All of our figures were in sync up to  XX/XX/XXXX . Like the other VW Credit representatives,  XXXX  was not able to identify or explain why the past due amount was displayed for the billing statements in  XX/XX/XXXX , or  XX/XX/XXXX .   I demanded that  XXXX  escalate the call to a Manager.  XXXX  said there were no managers available. I informed  XXXX  I would be filing a complaint with the CFPB. I also asked  XXXX  to provide a contact phone number for the  Executive Offices of VW Credit and/or Volkswagen of America .  XXXX  said he did not have an external phone number he could share.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/26/2017 about Checking or savings account (Checking account) with WEBSTER BANK, NATIONAL ASSOCIATION (NY).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: I opened a premier checking account with the bank on XXXX/XXXX/XXXX in response to a promotional reward offer send to me in the mail. As per the offer the bank supposed to credit the reward of {$350.00} on XXXX/XXXX/XXXX. But to my surprise the bank credited only {$100.00}. I sent an email to the customer service and they said this kind of problem has to be taken up with the person at the branch where you opened the account. So called the bank ask for XXXX XXXX. I was told that XXXX is coming only at XXXX. I called at XXXX then I was told he is coming at XXXX. Again I called at XXXX and spock with XXXX. He said he will get back to me but he never did. I called him again in the afternoon then he said it will be credited tomarrow or early next week.The credit did n't come to my account until XXXX/XXXX/XXXX and I was frustrated on this matter and I closed the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11-07-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: On my Trans Union credit report it shows a bankrupcy Chapter XXXX Dismissed Reference number-XXXX, I was going to file but never did the attorney I had at the time sent in the papers. XXXX XXXX was my attorney she should have not sent in the papers. As you can see it was filed on XXXX/XXXX/2008 and dismissed the day after XXXX/XXXX/2008. It has been 8 yrs this should not be on my report never went to court never did a bankrupcy proceding or anything.

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 11-09-2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (VA).
Issue: Loan modification,collection,foreclosure

Complaint: I would like the CFPB to take a journey with me. I am once again applying for a loan modification with Ocwen Loan Servicing. I uploaded my HAMP application to the Ocwen website on XXXX/XXXX/2016. I did not get a confirmation email from them. On XXXX/XXXX/2016 I submitted an email to the Ocwen Omsbudman and have not heard back from them to date. I logged onto my account today XXXX/XXXX/2016 and there was an email in my mailbox that indicated that they mailed me something because I did not provide all of the proper information. This is how the interaction began two years ago when I tried to apply for a loan modification with Ocwen. Ocwen tells you that you did not send in the right information so the processing timeframe gets restarted. I fear I am in for the same experience. I am going to track this process and ask that you take this journey with me. There is something going on at Ocwen that has to be out of compliance with the law.

Company response to consumer: Closed
Consumer complaint received 04-06-2017 about Credit reporting () with CITIBANK, N.A. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Macy 's is illegally re-aging an account lasted used in XX/XX/XXXX on my credit report and reporting to all reporting agency that the account is late. They are also reporting falsified payments to bring account up-to-date. They also used an falsified date of my lpusage being in XX/XX/XXXX when I have proof last usage occurred in XX/XX/XXXX. Also, the account was bought by XXXX and has been legally deleted with them.

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 06/20/2015 about Payday loan () with ZARVAD III S.A. (TX).
Issue: Can't contact lender

Complaint: XXXX calls my mobile phone daily asking me to " bring my account current '' with them. I have never had any loans with this company or prior contact with them. The messages are automated voice recordings made outside of hours where I can speak to someone and get them to stop. I have found that this company is based in XXXX XXXX and thus acting outside the laws of the United States and the state of Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2017 about Student loan (Non-federal student loan) with Express Aviation (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I was a XXXX student at XXXX XXXX College when they closed down making them in breach of contract. I never got to complete my degree. When we were in enrolled we were told that we would need to take out a private loan to cover the remainder of the balance. We did this and the private loan went directly to the school never touching my hands. I did not request a stipend check for living so this private loan was solely for the school. In XXXX of 2016 XXXX XXXX in XXXX XXXX closed down and left us with all of these loans. I have called the lender and they stated I would still be responsible for the loan even though XXXX XXXX was in breach of contract. I have given up so much and missed out on so much for this school. I will have to restart my program elsewhere and put my life on hold for another year or so. I do n't believe I should be held responsible for this loan at all being that it went to the school not to myself. I stopped working so I could concentrate on school I feel like I had given my all for nothing. XXXX XXXX convinced me to get the loan out. I did n't even know it was growing interest while I was still attending. I feel that XXXX XXXX breached their contract so I should not be held responsible for this loan or at least not the full amount. While I was attending school I was making monthly payments to the private loan as instructed by the school. XXXX XXXX made it known that we would not be able to attend scho and would be dropped if payments were not made monthly. I consider myself uneducated on the whole private loan and interest thing. I was supposed to finish school this XXXX. Now I am set back. I really hope that I can receive assistance on this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/15/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with SIMM Associates, Inc. (NV).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Simms Associates is a debt collection agency that initially contacted me on XXXX XXXX 2015. I was greeted by a representative who kept asking me for my name, social security and address. She specifically asked for me via phone when she called my workplace and after providing my social security and DOB, she said that was not what she had on file. After a few minutes of determining that the other family member, my grandmother 's information was the XXXX on file ( she allowed me to provide her SSN and DOB and then gave me all the information regarding the debt ), she informed me of the balance I owed and with what company the charge off came from to collect the debt. I informed her that I am unable to make lump sum payments due to other debts accrued from student loans, and after she implied by stating that if I do n't pay, they do n't know what would happen, I may go to jail or get sued or go to litigation, that I was forced into making some sort of settlement. We ended up with {$25.00} from my checking account until I could pay them more. 

After feeling cornered and coerced into sending in a payment, I filed a complaint with their local XXXX in Delaware. The only response received was that they would provide a verification of debt. Like the rep 's " I will email you a receipt '' issue - neither came via email or regular mail. I assumed that our debt was already in repayment and never checked back again. 

Apparently they decided voluntarily to not accept payments arranged, because no automatic payment was posted to my checking account in XXXX. I called on XXXX XXXX and they refused to let me provide the same information the previous representative allowed me to provide. They refused to let me provide any sort of information and repeatedly informed me they can not talk about this account any longer. 

I submitted a second complaint today to the Delware XXXX after talking with XXXX XXXX who charged off the account and put Simms Associates in charge of collecting my account on their behalf. XXXX collections department representative filed the complaint, and agreed to take payments direct from me and not through the Simms Associates. I informed Simms via the XXXX complaint of this outcome. 

I feel that their collection practices, especially casually implying that I would go to jail or get sued just to get payment out of me was flat out wrong. There are several online complaints regarding their practices. 

I can not believe that they refused to let me pay! How ridiculous is that. I hope that someone takes care of this business and ensures that they are unable to threaten or coerce other people out of payments.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2015 about Debt collection (Medical) with Morgan & Curtis Associates, Inc. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: I filed bankruptcy in XX/XX/XXXX. At the time I included a debt from XXXX XXXX XXXX and notice was served to the collection agency handling it which is XXXX and XXXX. In XX/XX/XXXX I returned to XXXX to have a XXXX and was told because of the balance that I reported in XX/XX/XXXX on my bankruptcy I had to sign a promise to pay or they would not see me. So, I signed the promise to pay. Which at that time I paid {$150.00} which was my insurance deductible for the XX/XX/XXXX visit. I later returned back in XX/XX/XXXX for another visit which I again made a payment of {$150.00}. Which was all I owed. XXXX along with XXXX and XXXX are now refusing to remove the negative information off my credit report and are still trying to collect the amount that was included in the bankruptcy along with the XX/XX/XXXX debit and balance billing me for the amount not paid by the insurance company.

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 04/21/2015 about Bank account or service (Checking account) with U.S. BANCORP (WA).
Issue: Deposits and withdrawals

Complaint: My son, college student, working a part-time job, received his first paycheck in paper form XXXX XXXX, 2015. He had 30 min lunch to deposit money and grab lunch, he is also a XXXX. He tried the bank app to take a picture of the check for deposit, a confirmation email stated it was received and to wait for another email for for approval and processed, which he received. His account showed available {$200.00} out of the {$630.00}. He attempted to use his debit card, but it declined, he checked mobile banking and it stated that the check bounced and he was assessed the fees and now negative balance. He did n't have the time to wait in the busy bank lobby so he deposited the check in the atm. When he did that, US Bank froze his account and debit card, he spoke with customer service and they said that it would be fine after they check the atm to verify the paper check and fix his account it would take 48 hours. After waiting 3 days, he contacted customer service again because he was still locked out of his account, the representative stated that fraud had his account and they were working on it, if anything else the hold would auto release on XXXX XXXX, 2015. It is now XXXX XXXX, 2015 and we continue to get the run around from US Bank and his account is still locked and he still has no access to his funds. Good thing I gave him money. My son conference me with US bank on the phone around XXXX pst XXXX XXXX, 2015 to add me to his account so that I could contact the bank and fix this mess, I gave all of my vital information, address, phone, name, dob, ssn, driver license info, everything, I contacted the fraud department this morning XXXX XXXX to find that non of my information was added or even a record of the call that transpired. My son is walking to the train station on his way to work this morning, he called them again, the rep stated he has access to his account the check cleared back on XXXX XXXX? Ummm, still cant use the debit card or access his account 2 weeks later ... .This is poor customer service and extremely poor banking practices. my son has never broken the law, never been in trouble, does n't party or do drugs, this was, what we are learning now, a mistake but honest on his end, he needed to eat something the day this started because he is a XXXX and all of this could have been avoided if he was n't consistently being lied to. now the reps are telling him the branch he opened the account with is the only one that can unlock his account. I want to know who has my vital information if it was never added, this might be a cause of identity theft and fraud. My son needs assistance with his dealings with US Bank and I need assistance on laws regarding my identity, please help us. 

Thank you ....

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (GA).
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: Complaint : I do not have a contract with Captial One Bank USA NA. I am not liable for collected this debt owed of {$540.00}. I am not responsible for this debt. Desired Outcome/Settlement Charged off as Bad debt profit and loss write off an sold to a third party with no contract. Desired Settlement : Correction to credit report DELETE FROM CREDIT REPORT It got deleted from XXXX but not from XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (CA).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: Company involved : American Express I 've received an offer on my American Express XXXX XXXX XXXX card via email on XX/XX/XXXX. The offer is to add up to 4 additional users, spend {$250.00} on each of the card, and receive {$25.00} statement credits. 
I added all of the four additional users via the links on email, completed the purchase agreement on XX/XX/XXXX, XX/XX/XXXX ( on two cards ) and XX/XX/XXXX, respectively. But so far I only received one reward ( {$25.00} ) on XX/XX/XXXX ( which is indicated as " XXXX {$25.00} Statement Credit '' on the XXXX statement ). I 'm still waiting for the other three ( {$75.00} total ). 

During the process, I also received a lot of disruptions about " insufficient information '' on those 4 additional user accounts. I 've contacted Amex customer service THREE ( 3 ) times via online chat trying to provide the information. Each time the agent confirmed that information was updated successfully, but I kept receiving the same emails over and over again. ( I have screenshots of the last conversation where the agent confirmed all information was updated correctly ) So eventually those 4 additional user accounts were all closed after 60 days of open. 

Then, I contacted them again about the missing rewards ( 3 * {$25.00} = {$75.00} ),  the chat agent stated that they will start an investigation on this matter, also confirmed that I will still receive the rewards if the result is in my favor. ( I have statements proving all 4 four cards have met the spending requirement, also the screenshot of the chat agent confirming the above words. ) Amex keeps saying the investigation will take up to 8 weeks, but yet 10 weeks have passed and nothing was confirmed. I contacted them again on XX/XX/XXXX ( See how long it has been ), the only thing they do is, again, stalling, and saying they will need another 1-2 weeks. 

This is basically the process and why I 'm filing the complaint : Primary reason : Missing rewards for {$75.00} ( 3 * {$25.00} ) that was supposed to credit my account long time ago. 
Secondary reason : I keep updating the account information three times but still those accounts were closed due to insufficient information. 
If applicable, please focus on the primary reason.

Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2016 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (NV).
Issue: Loan servicing, payments, escrow account

Complaint: When I printed out my 2015 Mortgage Interest Statement for my taxes, it included a Mortgage Insurance Annual Disclosure which explained my options for removing my PMI. I then followed up with the call center which conformed that if I had 80 % equity that the PMI would be removed, I would have to do another home appraisal from the lender. After the home appraisal, I had to contact the call center and also write to the company for the appraisal amount and also to see if the PMI got removed. The agent on the phone told me it has been removed, when I asked why my payment did n't change. I was placed on hold and then informed that the PMI will not be removed. I sent another letter contesting the results because that 's not what I was told or read, the bank is also advising me that I 'm responsible for the home appraisal after they told me that I ca n't remove the PMI two years. I will have the 80 % equity in my home within a few months and it should be removed as agreed. The bank is telling me I need 75 % now, different then what I printed and was told? They should n't advise there customers to spend money on an appraisal then send a letter saying you ca n't do anything for two years.

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2016 about Bank account or service (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (TX).
Issue: Deposits and withdrawals

Complaint: On XXXX XXXX I was approved for an account with Simple. In order to fund my new account I would have to link an external account. Once I verified my external account I proceeded to deposit {$2500.00} into my Simple account. A few days later I was locked out of my account because they needed more verification. I sent in all requested material including XXXX bank statements. Days later I received another message saying they would n't accept my bank statements. After going around in circles with my other bank I requested to have my Simple account closed due to the fact that they would not accept my external bank statement. Simple informed me that for some reason they could not return my money or close the account. I put my trust into a company who had excellent reviews only to get denied access to my hard earned money. I 'm only requesting that my funds be returned to me with no further issues.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: transunion and XXXX  has not tried to fix my issues even after the police report and idtheft letter cra violation taking more than 30 days to fix the security breach that equifax has cause me to lose time from work also my life with credit issues

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