milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/20/2017 about Debt collection (I do not know) with Midwest Recovery Systems (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On XXXX XXXX I filed a complaint- reference number XXXX against MIDWEST RECOVERY SYSTEMS. In their response to the CFPB regarding this matter they indicated that and I quote, '' Additionally, in this instance a record for deletion has been sent to all XXXX credit reporting agencies. '' On XXXX XXXX, it was brought to my attention that this account is still being reporting to XXXX and this occurrence has been verified by XXXX customer service agents of XXXX On that same date, I contacted Midwest Recovery Systems and I was given an elaborated reason by some XXXX XXXX as to why this account is still reflecting on my credit report. This morning on XXXX XXXX, I call Midwest Recovery Systems and spoke to a XXXX XXXX and I feel that I am being giving the run around. Now I am filing this follow complaint against the Midwest Recovery Systems for clearly providing false information to the CFPB. It seems evident that they have no problem providing false information to a federal institution. This attitude of theirs is further evident in their total disregard of the federal statutes of the FCRA that binds them. The latter is perhaps a reason why I have never received a debt validation notice from them since I started communicating with them. More importantly, after sending them a certified mail requesting for validation of the debt as indicating in my previous complaint they continue to report this account to XXXX and I am yet to receive any response to my debt validation request.

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2015 about Mortgage (FHA mortgage) with LoanCare, LLC (MD).
Issue: Loan servicing, payments, escrow account

Complaint: My loan was sold several times after the purchase of my home and was with Loan Care ( myloancare.com, XXXX ) before supposedly being transferred to XXXX XXXX XXXX XXXX, XXXX ). I make all my payments via the XXXX XXXX website and when I needed to contact the company in regards to the servicing of my loan I was unable to enter my phone number or loan number into the automated system without being told it was n't valid. 

Once speaking to a rep with the company I was told that my loan is not with them or in their system because it 's with Loan Care ( a sub-servicer of XXXX ). They gave me the phone number for Loan Care and said to contact them. I contacted Loan Care and can not even get through to a representative because neither my social or my loan number is being recognized with the automated system. The system says to call back when I have a valid loan number or social and hangs up. 

Why would Loan Care tell me my loan was with XXXX XXXX and how am I making my payments on XXXX website if neither company is able to recognize my information for me to discuss my loan with anyone?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2016 about Mortgage (Conventional fixed mortgage) with RoundPoint Mortgage Servicing Corporation (LA).
Issue: Loan servicing, payments, escrow account

Complaint: We have filed several complaints concerning roundpoint mortgage. Roundpoint continue to contact and harass us. Roundpoint refuse to respond concerning a false account. XXXX was supposed to send a response and we have not received, but roundpoint continue to call and harass we just received a call from roundpoint today saying it 's a courtesy call. Please check do not call registry.

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 10-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with DataMax Corporation (NC).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: This was apparently charged to me for a doctors visit while I was in XXXX XXXX, but the doctor seems to have a private medical firm outside of that company, which he bills separately to his own practice. 

These services were never requested and I tried to deny services and leave before I was ever given services. Unless I complied with what they wanted me to do, I was not able to leave-again, this service was forced on me and I was never told the doctors visit in XXXX XXXX was going to be billed from another practice. 

I denied these services multiple times and wad forced to sign papers or be locked up in the hospital. If they considered me not well enough to leave and make my own decisions, then any agreement made during those times are no longer valid, as they were signed under emotional distress by someone not capable of thinking clearly and were forced services. I should not be held accountable for this bill given the medical staff kept me there due to their opinion I was not in a sane frame of mind, which means I did n't understand what I was signing other than I wanted to get out as the treatment there is terrible.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I received my fico score today XXXX/XXXX/XXXX, showing I have delinquent accounts on my account that are way over due and I had a 796 credit score and they dropped it down to 700. Since my claim my score has continually risen. I have not taken any loans out or have any delinquent or late payments on anything. I called the credit bureaus and received continuous robots telling me to buy my report. I want this investigated because it is n't true and I want this removed what ever it is. I believe this is in retaliation.

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 03/30/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with CCS Financial Services, Inc. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: CCS Collections is reporting a XXXX XXXX debt on my credit report. I do not owe any debt to XXXX. This is just harassment at this point. I have no involvement with CCS. I have no interest in their company policies or industry standards. There is no law requiring this account to be on my credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2016 about Bank account or service (Savings account) with ALLY FINANCIAL INC. (FL).
Issue: Account opening, closing, or management

Complaint: I applied for an Ally Bank online savings account on XXXX/XXXX/XXXX and transferred, via ACH, {$1000.00}. On XXXX/XXXX/XXXX I logged on and the screen informed me the account was blocked. I called and was assigned Loss Prevention Specialist XXXX XXXX XXXX. I was told to provide copies of an original social security card, recent mail to my address and a state issued photo id. I supplied a copy of my passport, which expired in XXXX XXXX, plus the other XXXX items requested. I am not going to renew my passport until my hair and eyebrows grow back. I am not planning on making any foreign trips, nor even getting on an airplane for a while. My XXXX make getting my drivers license problematic for the foreseeable future. 
I was informed that the passport was not acceptable since it had expired and I had to provide a " state '' photo id. I asked for an alternative, such as providing a notarized affidavit or something similar. On XXXX/XXXX/XXXX, late in the evening, XXXX XXXX told me I could not get my opening deposit back either. I specifically asked for the opening deposit to be sent back the way it came. I am sure the transaction shows the routing & accounting numbers of my account at XXXX. She said that was not going to happen. She asked if I wanted to speak with her supervisor. 
XXXX XXXX called on XXXX/XXXX/XXXX and left a message for me to call her. I called her back the next day and left a message as XXXX XXXX works an XXXX XXXX to XXXX XXXX shift. I asked for our communication to be via email or USPS mail going forward so there would be a documentation trail. I also mentioned that I would like for someone to handle this matter for me and asked where I send a power of attorney or how to handle designating a proxy for me. XXXX XXXX left another message for me to call her on XXXX/XXXX/XXXX. 
I mailed a complaint letter to the CEO, XXXX XXXX XXXX on XXXX/XXXX/XXXX. I have not heard anything as a result, nor do I expect to. I have since taken the opportunity to read the complaints about Ally online and regret not doing my homework beforehand.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2015 about Debt collection (I do not know) with Monarch Recovery Holdings, Inc. (OR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have received a phone call every day since XXXX/XXXX/15. Asking for someone who I do n't know. I have repeatedly asked them to update their information. They constantly ask for my birthday and social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: For the last week, I have been trying to place a security freeze on my credit report. I have been unable to do it on the Equifax website ( which does not load this option ) or via their customer service phone number ( where this option simply connects to a busy signal ). The only help number I have been able to reach at Equifax has operators who only offer to " walk me through '' the online process ( which simply does not work ) and refuse to do it over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I am a California based XXXX. My original loan servicer was XXXX, which sold to XXXX XXXX, and is now serviced by Navient. My problems began with XXXX XXXX. Every time I apply for a program to help me with my loans, XXXX XXXX and now Navient have consistently dragged their feet, lost my documents, and failed to respond to my pleas to follow through with requests for information and documents. 
When I started my XXXX, I was accepted to the California XXXX called XXXX. For each year of service XXXX, I applied for and a check was sent to my loan servicer to pay for a portion of my student loans. Each year the California XXXX XXXX XXXX needed XXXX XXXX or Navient to send them a loan verification form. I faxed the form, I emailed the form, and even mailed the form, and it was consistently lost and not returned. Only by requesting a fax over and over ( usually XXXX5 times ) would I actually receive any documents. 
I am now applying for XXXX XXXX XXXX through the federal program designed to help XXXX and Navient failed to forward me correspondence from my guarantor. They have admitted in multiple conversations over the phone today, XXXX XXXX, 2016, that they were negligent. I have requested for them to fax this to me, and have not received anything. I estimate that this mistake on their part has added XXXX8 weeks to my XXXX application, and the interest on my loans has been adding up. I believe that the interest accrued to my account from the day Navient failed to forward me the letter from my guarantor, to the day I receive that letter should be credited to my account. 
If you are a loan holder and are reading this, please know that Navient will do nothing that you ask unless you call, and write them, and complain to the consumer financial protection bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with MIDCOUNTRY FINANCIAL CORP (IL).
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: XXXX XXXX has not removed negative information about my bankruptcy. I 've contacted XXXX on multiple accounts without it being removed. Due to the new law issued XXXX 2017 states that improper or negative and or personal information can not be displayed on my credit 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 04-03-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have been following the Navient lawsuit and I am in 100 % agreement that Navient knowingly steered my girlfriend into programs that where not beneficial to paying her student loan debt. Navient took advantage of her lack of knowledge and has added an absorbent amount of interest to the debt an the debt remains unsatisfied after 12 years of payments. They promised loan releases to co signers which I am, and continue to play games and will not release information to consigner a only thru primary borrowers. I 'm stuck attached to a debt I have no control over and my girlfriend has been ruthlessly taken advantage of. We want to repay the original amount borrowed and want money applied to high interest programs they steered us to applied to the debt.

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

Complaint: I have actively disputed the account sold to XXXX. XXXX company in the amount of {$480.00}. This account was subsequently closed on XX/XX/2018, then removed from my credit file. 

On XX/XX/2018, the account reappeared from the same company with the same balance. It is now reporting on my credit file again as an " Open '' account. I received no further verification or notice of this account being added to my file after deletion. This is a violation of my rights. 

I am including a screenshot of my updated credit notification regarding this account.

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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX 2017 that they confirmed I was potentially affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 

They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 

They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2016 about Consumer Loan (Installment loan) with FIFTH THIRD FINANCIAL CORPORATION (VA).
Issue: Managing the loan or lease

Complaint: I had a lien through Fifth Third bank on my vehicle. I paid the lien off on XXXX XXXX, 2016 and it is now XXXX XXXX. I have called for the past two weeks to have them fax a document over to VA DMV with the notice that my lien has been paid in full and to release the title so that I can transfer it over to the new buyer. I have explained to 53rd that I do not need the actual title and just a lien release statement. To this day they have still refused to fax anything over. They have also told me on several occasions they are faxing the docuemtnation over. Each time this has happened they have not actually faxed anything to DMV. I have requested to speak with a supervisor, but only been told no one can come to the phone to help me out and just left on hold. 

The letter that was sent to DMV was a notice acknowledging they have received my wire transfer and the loan has been paid off. However it did not include my VIN # or the vehicle. They keep telling me the transfer is still being processed and I must wait 10 full business days before my lien is released.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Problem with fraud alerts or security freezes

Complaint: I live in a federally declared disaster zone from Hurricane Irma. ( XX/XX/2017 ) My mortgage company offered me a 90 day forbearance on my loan, which I accepted. However, after day 34, they reported to all credit bureaus as a missed payment. I called and complained, and they told me that they were fixing it. To ensure no more issues, I told them I will be making all payments as usual and I did. They still reported to all three bureaus the following : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX reported as NO INFO, XX/XX/XXXX was reported as 30 -- 59 days late. Obviously this affected my credit score.

I called again to complain and was told it would be fixed by XX/XX/XXXX reporting. It didn't. get fixed. I would like to have full reporting as payment made on time for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and to remove that 30-59 day mark asap.

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 08-10-2016 about Credit card () with AMERICAN EXPRESS COMPANY (DC).
Issue: Rewards

Complaint: Hello, On XXXX XXXX, 2016, I applied and was approved for an American Express XXXX Card, which included a XXXX point bonus after spending {$10000.00}. On XXXX XXXX, 2016, I completed the spending requirement and was awarded the XXXX bonus. On several different dates over the next several months, I attempted to transfer points out of my account to various airlines. However, each time I was given an error message and told to call American Express. Each time I was told my account was " under review '' as I had recently completed a bonus award and those points " had to sit in my account '' for a certain period of time but I was never given a definite date the points would be available. Most recently, on XXXX XXXX, 2016, I once again attempted to transfer points out of my account and was given the same error message and the same explanation when I called American Express. However, this time they promised my points would be available for transfer on XXXX XXXX. Today, XXXX XXXX, I once again attempted to transfer points and once again when I spoke to American Express they said they would have someone look into it and call me back. This is unacceptable and a practice I 've heard they are doing to many others as well. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (IL).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: I had 2 deposits made in my behalf through the Chase mobile banking app. The first deposit was made on XX/XX/XXXX in the amount of {$1400.00}. The second deposit was made on XX/XX/XXXX {$1600.00}. Both checks that were deposited were copies of a prior deposit and modified to attempt to be passed through as real. The checks were deemed as fraudulent/altered. I notified the bank of the activity prior to them determining they were fraud and told them to freeze the account. Later that day I went to open a new Chase account and since they are all tied together to the same social the froze that too. I contacted XXXX XXXX at the Fraud Recovery Investigations Department at XXXX on XX/XX/XXXX in attempt to activate my debit card and unfreeze my new account. He told me I had to process a claim through the claims department before he could unlock the account and activate the card. The claims department stated they can not do anything since the withdrawals were valid but the deposits were not. They told me to contact law enforcement so I contacted the FBI since it was and overseas issue. The FBI told me they do not investigate this and to call the FDIC. The FDIC told me they only handle issues regarding if the bank goes belly up. The said it is Chase 's Fraud Departments responsibility to investigate the fraud. They advised me to file a complaint against the bank here, however since it is an overseas issue I am probably going to be out of luck on re-cooperating the loss. I feel chase has not done their due diligence to investigate where these deposits were made from so that the culprit can be charged with a crime. This is not how they should handle their customers who are victims of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2017 about Debt collection (Other debt) with DCQ LLC (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: the Debt was Paid and the contract was satisfied switched to new company and continued business with different company.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: As has been well publicized, Equifax has lost the personal credit information for 143 million Americans. To prevent further identity and credit theft, it is imperative that our credit can be frozen.
At this time, the credit bureaus will only allow a fraud alert but not a freeze, unless one is ALREADY a victim of identity theft ( AKA closing the barn door after the horse has gone ) or by paying each bureau a fee.

Company response to consumer: Closed with explanation