milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-03-2015 about Debt collection (Medical) with CMRE Financial Services, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: After a hospital stay on XXXX my hospital bill was sent to my insurance and the remaining copay was sent to my address by XXXX XXXX, upon receiving this bill I payed my copay. On XX/XX/XXXX I received a call from a debt collector ( CMRE ) stating that I did not pay a medical bill from XXXX XXXX. After contacting XXXX blue cross they stated that XXXX failed to properly bill my health insurance and also failed to correctly write down my address so I did not receive any bills in the mail or correspondence regarding this bill. 

I have contacted XXXX XXXX and asked for the bill and they refused to email me the bill and refused to help me in any way. They stated I must deal with the debt collector. I contacted the debt collector and they refused to acknowledge that I have full medical insurance through my employer. My health insurance has paid this medical and I am still receiving calls from the debt collection agency and this will adversely affect my credit and my ability to obtain a XXXX I am currently in the process of obtaining. 

I would like XXXX to immediately contact CMRE the debt collection agency to desist and remove any and all debt collections that may appear on my credit in regards to this medical bill. My Insurance has paid this claim and I should not be getting harassed by a debt collection agency because of mistakes made by XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I requested my credit reports in the mail. Upon looking at all XXXX, the months of XX/XX/XXXX and XX/XX/XXXX has not been updated accordingly for Texas Attorney General. Also, this account is paid as agreed and not late. This negative remark is affecting my credit worthiness and my livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: U.S Postal Certified Mail No : XXXX MN XXXXCc : XXXX, TX XXXX, GA XXXXTrans UnionXXXXXXXX, P A XXXXXXXX,2015RE : XXXX XXXX -REQUEST FOR PROOF OF CLAIMAccount # XXXX*You are hereby ordered to CEASE AND DESIST to include, all phone calls and creditbureaus reporting actions! 
You are hereby in RECEIPT OF NOTICE of violations committed under these State and Federalstatues, Fair Debt Collections Practices Act, Minnesota Debt Collections Practices Act, FairCredit Reporting Act, RCW 62A.3, RCW 19.16 and 19.86 UCC 3-501 ( b ) 2, USC 15-6802, Title 18 USC 241 and Dodd-Frank Act, regarding your above referenced file number andpresented with a CONDITIONAL ACCEPTANCE OFFER. 
In an effort to settle this matter in the most efficient possible manner, I herebyCONDITIONALLY ACCEPT YOUR OFFER UPON YOUR PROOF OF CLAIM your demandfor payment in the above named matter upon your complete and total fulfillment of the followingconditions:

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Was informed many times to go into forbearance with my loan when I was struggling with paying for them. It took me to a point to where I had to claim bankruptcy in order to be in a position to pay for my student loans. I am currently paying on my loans now ... my balance has now exceeded over {$100000.00}. Received loans for my XXXX with University XXXX, XXXX XXXX as well as my XXXX program with XXXX University, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My wife and I were looking to purchase a new home and submitted an application for pre-approval. When our Real Estate Agent advised me that I had some collections I needed to pay off, I was confused because I have never ever used my credit for anything ever. I have always paid cash for everything I have ever had or my wife puts everything in her name. I looked at the report and reviewed it and noticed that there were items that belong to my father, XXXX XXXX XXXX, reporting on my credit report. I submitted request on XX/XX/XXXX to XXXX, XXXX, and TransUnion to advise them that they were reporting my father 's credit collections on my credit report and asked them to remove them. All 3 credit bureaus indicated that they were completing an investigation. XXXX removed all of the items after their investigation, XXXX  removed only 2 of the 4 items, and TransUnion removed 2 of the 4 items as well. I am scratching my head as to why XXXX and TransUnion only removed 2 items and not all 4 because none of them belong to me. I sent in a written request to XXXX  and TransUnion on XX/XX/XXXX advising them again that they reporting was incorrect and violating my rights under the Fair Credit Reporting Act and also provided them with the finding of XXXX. I also requested that they send me copies of the information the claim to have received to verify that the collection items belonged to me because I knew that there was no investigation done that verified debts that do not belong to me as valid. They have stopped replying after my 2nd attempt.

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 07/23/2015 about Bank account or service (Savings account) with NAVY FEDERAL CREDIT UNION (CA).
Issue: Deposits and withdrawals

Complaint: I have a loan with Navy Federal Credit Union that was already charged-off 5 years ago. Yesterday, I have to borrow money from my brother as I am going through financial rough times, but he deposited the money to my savings account with Navy Federal Credit Union since he has an account with the same bank. The NFCU then transfer the funds to the loan that was charged-off 5 years ago and I am left with XXXX balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Trans Union will not remo ve old accounts. Collection accounts that have been paid and show  XXXX  balance are still showing up.   Old accounts showing closed are still showing up and they claim anything reported to them will stay on the account, even with proof that they are closed or paid in full.

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 04-02-2017 about Student loan (Non-federal student loan) with SLM CORPORATION (OH).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: Sallie Mae took out money from my bank account when not authorized.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2015 about Bank account or service (Checking account) with PNC Bank N.A. (PA).
Issue: Using a debit or ATM card

Complaint: I was making a cash deposit at PNC ATM in XXXX, PA and the ATM broke down during the transaction and it did not credit my account and did not give me my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
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: on multiple times over the past year i have asked EQUIFAX to respond to a negative item on my report that provide NO infoamtion for me to investigate further! 

all it says XXXX $ is owed wit no addesss or no number or NO COMPANY this is from XX/XX/2017 they contunue to update it monthly but never rectify or respond back to me where it is from. 

when i call them i am disconnected please someone help!

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2017 about Consumer Loan (Vehicle loan) with SANTANDER BANK, NATIONAL ASSOCIATION (NY).
Issue: Managing the loan or lease

Complaint: XXXX/XXXX/XXXX Dear CFPB, My name is XXXX XXXX and I am submitting a complaint towards Santander Bank, N.A. ( with regards to being the successor to Sovereign Bank [ XXXX based ] ). My father-in-law, XXXX XXXX, and I have had an XXXX accident a couple weeks back ( XXXX/XXXX/XXXX ) and are at the point with the insurance claims adjuster requiring the title for the vehicle. 

The original title, and current title shown in the XXXX XXXX website, show that there is a lien on the vehicle. The vehicle is a XXXX XXXX XXXX XXXX, purchased in XXXX from a XXXX dealer here in XXXX, and there was a 5 year loan placed on the vehicle ; which means that this vehicle 's loan was paid off sometime around XXXX ; 11 years ago. 

After speaking with XXXX title department, it is to my understanding ( as well as theirs ) that Santander Bank, N.A. is the sole successor to Sovereign Bank and that they alone *should* have records of all previously paid auto loans. The representatives I have spoken to at XXXX title department have stated in order to have the lien released from the title, Santander Bank, N.A. is supposed to create a letter stating : " Santander Bank, N.A. is not interested in the vehicle or it 's previous auto loan. The loan for this vehicle ( with VIN #, year, make and model described ) is satisfied, and that Santander Bank, N.A. is the successor to Sovereign bank. '' This written document by an official of Santander Bank, N.A. is supposed to be notarized or signed by the official creating the document, then mailed to the recipient in need of the document ; this can then be submitted to the XXXX in order to create a duplicate title without a lien/lienholder stated. 

I have since spoken with multiple representatives from Santander Bank, N.A. personal consumer department and auto loan department, and neither have helped me in any such way. I have been told that because there is no account with regards to my father-in-law or his mailing address, or vehicle ( searched by VIN # ), Santander Bank, N.A. will not issue a letter of " No Interest. '' Without help from Santander Bank, N.A. in this matter, I am at a complete loss. I urge the CFPB to please help me resolve this matter so that my father-in-law can rightfully buy-back and repair his own vehicle, and that the title ( for which my father-in-law is entitled to having this matter resolved ) is corrected and either showing no lien, or that the lean is satisfied. For the past two weeks, I have not been able to create any progress with this matter ; I am exhausted and running out of resources to resolve this matter. 

Again, please help me resolve this situation so we can all finally move forward. 

Thank you for your consideration and for you help, 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
Consumer complaint received 08/14/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (MA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: I opened an American Express delta skymiles card in XXXX with a promise of XXXX miles if I spent {$1000.00} in four months. I did that. I waited the 6-8 weeks it said for the miles to post to my Delta account. They never did. I called Amex onXX/XX/XXXX and was told this had happened to other people. They opened a complaint investigation and told me it would be resolved in a week. It was n't. I called back the following week and was told it was actually 7-10 business days, and would be resolved the the end of that time. It was n't. I called back today and was told the investigation takes four weeks. I spoke to a manager, who could not explain why the earlier representatives told me other times. He could not correct the error even though he cvould see that I had qualified. I know this is a minor complaint, but this company has failed to fulfill their terms and misinformed me multiple times about remedy. I feel like this stuff always happens to me and I 'm sick of it.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Problems caused by my funds being low

Complaint: I have filed this complaint before and received a robots response of " The banks right to approve or deny a transaction even if there are no funds in the account. '' Paraphrased of course. Or the common term " Banks Discretion. '' Well last time I filed here I got a call from them and the rep upset me more. I let it go and went to the BBB. I got a letters response basically telling me that its in the " Fine Print '' or account disclosures. Which I responded with the single question of " WHAT CHANGED ON THE ACCOUNT BETWEEN LAST YEAR AND THIS YEAR AS TO WHY ITS THE " BANKS DISCRETION '' TO APPROVE OR DENY PAYMENT ON CHARGES THAT WOULD TAKE MY ACCOUNT OVER MY BALANCE? '' Copied verbatim from the BBB complaint. Thats the Question that has been skated around with a response of 'The Banks discretion '' and " The right to approve or deny .... '' Which does not really answer the question. I have about 3 emails since XXXX of 2015 saying that the payment method has been declined but will try again in a couple days or to change my credit card number. Basically the bank denied these charges 3 or more times previously, so i want to know why now all a sudden they allow them to be approved, as with more than a year ago they were declined? WHAT CHANGED ... ..? I would like research to be done as to WHAT CHANGED ... XXXX And the response of " Banks Discretion '' and " the right to approve or deny '' will not fly with me cause if it was your right not to pay it before even tho it was a recurring charge then as it is now, why change that right and pay it causing me to be over drafted? The last bank I was with didnt do that to me, why is it this bank is doing that to me? I understand I wasnt charged an NSF fee, thank you. But I would like to avoid all kinds of fees all together. And stopping recurring payments can not be done cause of these are subscription services and the only way to have them is to have it set up with a card. Its ok if they get denied. Ive seen they give about 2 weeks for the payment to go thru, which is enough time for it to go thru.

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 04/28/2016 about Debt collection (Payday loan) with NAM National Arbitration and Mediation (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I am receiving harassing calls from ph XXXX. I believe this is a third party collector. I answer the call once ; on XXXX as an attempt to resolve/address the nature of the calls but the guy on the phone was extremely condescending, aggressive and did not even provided the required mini Miranda. I ended up hanging up on him as we were not getting anywhere.

Company response to consumer: Untimely response
Consumer complaint received 11/26/2017 about Debt collection (Other debt) with Credence Resource Management, LLC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX XXXX XXXX collection agency Credence removed an alleged debit from all 3 credit agencies over 3 years ago as the debt did not belong to me. Now Credence has reinserted this same debt to all reporting agencies under my name without properly notifing me in advance. 

I have requested Credence collection agency to provide validation of this alleged debt, but they refused to. However, they mailed me a 50 % off settlement offer instead.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Debt collection (Medical debt) with Collection Consultants of California (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This is regarding previous complaint number # XXXX. Collection Consultants of California offered a pay for delete to resolve medical collections as a remedy for disputed collections. I believed this issue was resolved, but there are still 2 collections from Collection Consultants of California that remain on my credit report. One account is being listed on XXXX, and the other is being listed with XXXX. I contacted Collection Consultants of California and spoke to XXXX. She advised me that there was an error made, and that the amount of {$1300.00} was additional and should have been included in the previous complaint. I expressed to her that I thought this was totally unfair and that I thought the previous complaint resolved any open collections. She apologized and stated she could make an additional offer to delete. I did not want to comply because I felt that I was being mistreated. I recently contacted Collection Consultants of California again to speak to XXXX, on XX/XX/XXXX and XX/XX/XXXX and was told she was not available. Both times I was advised that a message would be taken and given to her. I still have not received a return call from her. These medical accounts have affected me negatively for a really long time and I don't feel I deserve this, especially since I did have insurance at the time of the billing. I would like to get this issue resolved once and for all without any accounts showing back up on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Credit agencies XXXX Equifax , XXXX allowed the collection agency XXXX XXXX XXXX XXXX to falsely report a collections on my credit report to make it seem like they were the owners of the account. The account was paid in XXXX XXXX, 2016. With all the identity theft going around why was this creditor able to falsify the account. I reached out to them, XXXX and all the credit agencies and all I was told it happens dispute so we can investigate in 30 days. Lastly, this error caused by credit score to decrease and I was denied credit as well. The original creditor of the account was XXXX XXXX XXXX in XXXX, TX and they received payment on XXXX/XXXX/2016 from XXXX XXXX XXXX. Therefore the account was paid ever though I disagreed with how the account became mine it 's now paid and in the past. Why did n't XXXX XXXX XXXX XXXX investigate the account before reporting to my credit report and all this could have avoided.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2015 about Mortgage (VA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (SC).
Issue: Loan servicing, payments, escrow account

Complaint: I went online to the Bank of America online banking to view my mortgage account. On my Summary account page it shows double the amount that it should. Today XXXX as mentioned my online banking accouunt shows XXXX identical mortgages and a zero balance for my Principal Forgiveness mortgage. No on has been able to explain why my online banking page shows XXXX mortgages or why that page shows a balance of XXXX dollars. I have spoken to XXXX representatives in XXXX different departmments and no on has answered my question. BOA was forced into the Principal Forgiveness Program apparenetly due to unsavory practices. I wonder is this another? XXXX associate at BOA stated that my present mortgage balance was XXXX dollars. Another associate stated that my mortgage balance was XXXX dollars, yet online shows XXXX dolllars. I am a XXXX veteran and I unfortunantely suffer from XXXX and I get VERY VERY upset when professsional ethics are in question. Especially wjhen the representativess can not clarify nor rectify THE ( IR XXXX mistakes. Any help will be greatly appreciated.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2015 about Credit card () with SYNCHRONY FINANCIAL (TX).
Issue: Billing disputes

Complaint: jc penny just e mail me on my acct, I never rec any statements since XXXX 2015

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/27/2017 about Debt collection (Non-federal student loan) with Northstar Location Services, LLC (MD).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Northstar Location services LLC. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX contacted my phone on a XX/XX/2017 and a voice mail. I listened to the message. 20 minutes later I called my father in XXXX, XXXX hours diffence to say hello and he told me of this company calling him in regards to collecting money. 
He provided the contact info left for me to return the call which I immediately did, upon speaking to the debt collector she informed me of a balance unherd of that didnt match my balance owe that I am in dispute now over and said I could settle with her. 
In response to her offer I asked how and why she called my father and she lied explaining that she had his number and name contact from original loan statement. I told her that wasnt true because I remember that he was not a co-signer nor a contact for reference. The call ended right there and I was sent from this company the original copy of loan with out his contact information ( I dont know if that was an appology or a threat? ) and a collection statement. 

This is the third company trying to collect a bill that I have been disputing for over 9 years. I need closure and this should end. 

My request from this complaint is a conference call with free legal assistance to the loan owner about a reasonable payoff for debt. 

I have paid a certain amount and expect everything I gave to be recognized. 

The arbitration factor to the clauses in my loan agreement look really attractive right now so I need to make a decision.

Company response to consumer: Closed