milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/25/2017 about Debt collection (Medical debt) with Professional Recovery Management (FL).
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint: I have been trying to satisfy a collectio n with Fox Collection company for {$91.00}. This collection was originally a bill from a   XXXX   office, that I did n't know existed. The  XXXX  office may have tried to send me a letter, but I had moved houses and never r eceived anything. No further attempt was made to me, nor did I realize I owed any money. Now the Fox Collection Center in Tennessee owns my {$91.00} debt from  XXXX /2015. I found out about this collection when a mortgage company ran my credit. Because it was medical related, I was told by the mortgag e company that I did n't have to pay this prior to closing, but it may be be wise to look into it further and try to have it deleted. I called Fox Collection Center, and they told me that they do not have a company po licy to delete collections if they are paid. Based on my research online, if the collection is not deleted, that the updated, paid, collection will actually bring down my score. I find it very frustrating that they are not willing to help me settle my debt for a {$91.00}   XXXX    bill I knew nothing about. Personally, I find it criminal for a collection company to do something like this. I have read a lot of reviews about this company on google and yelp, there seems to be more frustrated people besides myself. That 's why I 'm posting a compliant to you, the CFPB. Please help me understand if they are allowed to keep this collection on my account to hold againist me for future purchases, or if I should be allowed to have it deleted.     Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with FIFTH THIRD FINANCIAL CORPORATION (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I deposited {$1000.00} into a Fifth Third account and paid a {$24.00} account fee solely for the purpose of establishing a trade line that would report as " Always Pays As Agreed. '' While I always paid the account on-time and as agreed, Fifth Third failed to properly report all on-time payments as well as the final account payoff to the major credit bureaus as agreed and as was the only purpose for the establishing of the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: XXXX / Navient - I went through a XXXX divorce and never missed payment until the divorce process. I used forbearance for approximately a year but was never given any other options - income repayment or other. I was told my rate could not be lowered and i have been told about a different program each time i contact them. My most recent episodes in trying to pay the loans to date so they did not hit my credit report : XXXX/XXXX/17 - told to pay a minimum of {$390.00} to stop calls and wait on being approved for alternate program without credit reporting XXXX/XXXX/17. {$390.00} went through for payment and that day on phone was told to call the following monday to enter in their XXXX for XXXX program. 
XX/XX/XXXX - Called this day as requested, was told the XXXX for XXXX program was not able to be used because i had paid the {$390.00} the prior week which brought me up to date ( the exact opposite reason i was told ) .. On XX/XX/XXXX was enrolled in an automatic debit draft program and told next payment to come out in XXXX - would bring me fully up to date and then i could pay weekly. Now again this week on XX/XX/XXXX i was called over 15 times saying my autopay did not go through ( even though i was told next payment would be set for XXXX XXXX ) and that i 'm late and acquired a late fee. Navient now has my banking information and my authorization and apparently they were going to draft out a payment for this month ( XXXX XXXX ) without my knowledge when i was told XXXX XXXX. They state that my autodraft did not go through because they entered an account number incorrectly but that is not true because they have drafted out XXXX fees in the past month.

Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Deposits and withdrawals

Complaint: We bank with Chase XXXX XXXX in XXXX California. This morning we have discovered over XXXX checks at around $ XXXX totaling around $ XXXX was debited from our checking account and we were told the money will not be coming back to us for 60 days. 

We are making this complaint because we suspect that Chase internal employee is making this possible. I said that because 1. The check image in question shows our previous address without my name and only my wife 's name on it which we always do. 
2. The check number was previously used by us years ago and it surprised us that Chase did not red flag these checks. 
3. On the back of the check the criminal put " for Deposit Only '' which becomes a restrictive instrument yet it did not indicate if it was cashed or deposited which only a teller can do by forgetting or intentionally skip the printing transaction type of the back of the check. 
4. The check signature was totally different that what we have on the signature card which can be compared to via Chase teller computer screen which is a standard practice for all the banks. 

Chase now is telling that they will do investigation for the next 60 days while others are only 15 days Complaint was filed with XXXX XXXX on XXXX XXXX, 2016 and no reference number was given.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with Fidelity National Information Services, Inc. (FNIS) (LA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Hello, I would love this company to delete the following from my report XXXX XXXX and XXXX XXXX. These accounts are old and not mines.i cant get a bank account nor move forward with my life. I question the validating process with this company.

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 10/30/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (NY).
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint: When I tried to activate my XXXX XXXX XXXX XXXX MAster Card by calling the activation number ( XXXX ) listed in the acceptance letter, I was directed to a foreign ( XXXX ) organization. They asked for my credit card number to begin the activation procedure. Then rather than activate the card they attempted to sell me a lot of services. I said no to each one. After a few minutes, I recognized it was a scam and hung up. I ended up activating my card by calling the Customer Service number on the back. I informed them of the scam but they did n't seem interested. In the next few days, I received multiple confirmation letters that I had purchased a variety of services ( including credit card protection, travel club etc. ). I called XXXXXXXX XXXX  customer service to complain and was informed that it was aall my fault for giving out my credit card to a number that they had provided. They were of little help and suggested that I cancel the tel-marketing promotions or i would be charged. I then had them cancel my card and issue a new one. They were singularly unhelpful and attempted to obscure their marketing fraud. I expect such behavior from XXXX XXXX but not from a major international bank. This episode has already caused me a great deal of stress and effort and I expect to be compensated for this outrageous behavior

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 monetary relief
Consumer complaint received 09/18/2017 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: Please be advised that this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite my previous 2 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You stated in your responses to my 2 dispute letters that you have verified that the items listed below are accurate but you failed to send me copies of the documents that you used to verify these accounts as per my request. The fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you cant and did not verify any of the disputed accounts like you said you did. Your failure to delete the disputed accounts that you cant verify after two written requests is also evidence of your willful disregard of Federal Law.

When we go to litigation and through the discovery process you will be required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. The fact that you dont have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law and the Court will order you to delete them.

You say that you have reinvestigated these accounts but youve admitted that all you have done is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation of 1681 ( a ) ( 4 ).

I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law and evidence of your willful disregard of the law.

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. I request that you do this immediately.

The law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand that you delete all of the accounts listed below immediately & provide me with a copy of an updated and corrected credit report showing that these items have been deleted.

Office of Attorney General 1339  unverified/inaccurate account

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: I had my mortgage with OCWEN from XX/XX/XXXX until they informed me on XX/XX/XXXX they sold my mortgage to XXXX XXXX XXXX XXXX. I made XXXX last payments to OCWEN in XX/XX/XXXX. XXXX payment was received on XXXX XXXX for {$970.00} to covert the mortgage for the month of XXXX and the XXXX payment was received on XXXX XXXX for {$1000.00} to covert the XXXX mortgage of {$1000.00} and the {$56.00} change of new payment. OCWEN did not apply the payment to the XXXX mortgage. Instead they applied it to the principal. Now, XXXX XXXX is sending me to collections because they said I am late with my payments. I have contacted OCWEN and they said they will fix the problem but they did n't and now they are saying that the only thing they can do is to give me a statement showing what was paid but they will not forward the payment to XXXX XXXX. XXXX XXXX at the other hand will not do anything to get the payment from OCWEN. I ca n't pay XXXX for the XXXX Mortgage just because this XXXX companies ca n't seam to know what they are doing.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2017 about Debt collection (Credit card) with National Debt Group of NY (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: We received a letter - '' second notice '' from NDG ( National Debt Group, XXXX, TX ) proposing a debt settlement of {$11000.00} on a {$22000.00} credit card balance. There is no information about what credit card has such an outstanding balance. This is the 1st such notice. We have no such outstanding credit card balance on any card we have. 
We have not and do not intend to respond to this letter.

Company response to consumer: Untimely response
Consumer complaint received 02-04-2018 about Debt collection (Other debt) with ERC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Hello, I have submitted a complaint regarding this issue once before a few months ago and it appeared to be resolved at that moment as I was told the collections would be removed and all was settled. Here we are now in XX/XX/XXXX and this same company has placed a collections back on my account under a different collections agency. They are harassing me and hindering my credit and I request this stop immediately. 

The new collection agencys name is : XXXX XXXX XXXX  Original Creditor name : XXXX XXXX XXXX XXXX XXXX Amount : {$2400.00} My original complaint regarding this issue is copied below for reference. 

Hello, so what happened was that I had an account with XXXX XXXX XXXX for Phone, cable and Internet. During the first month of the account, we learned we were being charged for 2-3 extra phone lines which increased our bill dramatically. After complaining about this issue ( and still paying so our service didn't go out ), they did not fix the issue and it persisted. At the start of the second month, my account went into fraud and my account was shut down, this is because the 2-3 extra phone lines that they added on my account were not being used ( for obvious reasons ) and if a phone line/sim is not used for a certain time, your account goes to fraud. I then had to prove to them that I was not committing fraud. They eventually solved the issue but could not renew my account as once it goes to fraud, it can not be opened. My services such as internet, cable and phone were all shut off and I had to go to a public library to even call them and try to resolve the issue. I then talked to someone via online chat box and after much deliberation they attempted to solve the issue and only have me pay what I owed that month which was about {$95.00}. I did pay and it was resolved only for a few days and then the whole account was suspended again due to non payment, this time the payment was well over {$1500.00} as when the account went into fraud, the payment plans I had on my phones were cancelled and they attempted to charge me for 2 brand new phones even though it was supposed to be only one new phone. I do have a copy of a transcript of the conversation I had with the agent and I do have the case # with XXXX in which I tried to solve. I refused to pay this as not only were they over charging me, they weren't even giving me service and charging me for things that were not even there. They would not help me over the phone after I tried multiple times and it came to the point where I had to leave and just find another provided. I refused to pay this amount and I told them why, but they just sent it to collections and thus my credit has been held XXXX since. ATT Case # : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2015 about Credit reporting () with Experian Information Solutions Inc. (CO).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I am writing to dispute the account XXXX XXXX referenced above that is currently reporting on my Experian credit report. I have disputed this account information as inaccurate with Experian, and Experian has come back to me and stated they were able to verify this alleged debt. How is this possible? Under the laws of the FDCPA, I have contacted XXXX myself several times and have been unable to get them to verify that this is indeed my debt. 
I have previously enclosed copies of my requests for them to Validate these alleged debts, and the receipts showing that I sent these letter certified mail with a signature request. This debt is not mine and I was given any evidence of my obligation to pay this alleged debt to the collection company XXXX XXXX that is listed above in this letter. 
The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, Experian is obligated by law to remove this item. There is a clear case of unverified debt here, and I urge Experian to remove this alleged item before I am forced to take legal action. 
Experian is also continuing to report inaccurate personal information in regards to my name, address. 
I have never lived at the address that is currently being listed on my credit report the address is as follows:XXXX XXXX XXXX XXXX XXXX XXXXXXXXADDRESS IDENTIFICATION NUMBER : XXXX XXXX XXXX XXXX XXXX XXXXXXXXADDRESS IDENTIFICATION NUMBER : XXXX XXXX XXXX XXXX XXXX XXXXXXXXADDRESS IDENTIFICATION NUMBER : XXXX VERIFY AND REMOVE THESE INACCURATE ADDRESS INFORMATION FROM MY EXPERIAN CREDIT REPORT AS SOON AS POSSIBLE, MY ADDRESS SHOULD ONLY BE REPORTING AS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AS IDENTIFICATION NUMBER XXXX IS REFLECTING. 

I HAVE NEVER USED THESE NAMES WHICH IS AS FOLLOWS : XXXX XXXXNAME IDENTIFICATION NUMBER : XXXX XXXXNAME IDENTIFICATION NUMBER:XXXX XXXXNAME IDENTIFICATION NUMBER : XXXX NAME SHOULD ONLY BE REFLECTING AS FOLLOWS : XXXX XXXXORXXXX XXXX XXXXPLEASE REMOVE THESE OTHER ERRENOUS INACCURATE NAMES FROM MY EXPERIAN CREDIT REPORT.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I went to a trade school in XX/XX/XXXX the school was called XXXX XXXX XXXX XXXX in XXXX XXXX CA, got shut down while I was taking my course and the school closed due to fraud, I already submitted a paper work to Navient stating the school was shut down. I have been in differed status with my student loans since XX/XX/XXXX and in XX/XX/XXXX for some reason the student loan reported on my credit file as late in XX/XX/XXXX and XX/XX/XXXX. That is hurting my credit score the department of education from Navient stated they were going to remove the late payment history to show as current and they still have not done anything.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I received financing from XXXX XXXX to purchase a mattress in XXXX XXXX. Unfortunately, I had to file for bankruptcy in XXXX XXXX. XXXX XXXX violated the stay when their Regional Manager, XXXX, wanted payment on the account in XXXX XXXX and then belittled me for not being able to pay " such a small amount. '' I also filed a dispute regarding the account being listed with a balance and the account was updated to accurately reflect that it had been included in the bankruptcy. The bankruptcy was discharged on XXXX XXXX. I have scheduled 3 attempts with XXXX XXXX for them to pick up the mattress. The first time was XXXX XXXX after the branch manager XXXX, called my work wanting payment for the discharged debt and I declined. He then called me again later that evening wanting payment for the discharged debts and when I continued to decline, we agreed to have the items picked up after 4 on  XXXX XXXX. No one came. XXXX XXXX, XXXX from XXXX XXXX called stating that the person who was to have picked up the items on the XXXX had XXXX XXXX XXXX and was unable to do so and we set up another time, XXXX XXXX after XXXX. Again, no one showed. XXXX XXXX they called my bankruptcy attorney making false claims that I was attempting to hide the property and that they had never set up any previous dates with me to obtain the recliner and mattress. I explained to my attorney these calls between XXXX XXXX and myself were recorded, therefor, I had proof these days and times were previously arranged with them and who then told them they had one last attempt  to pick up the items and that was set up to be XXXX XXXX at XXXX. XXXX XXXX XXXX arrived on time on the XXXX and got the recliner that was purchased on another account included in the bankruptcy, but when I informed them they also needed to get the mattress stated that XXXX XXXX had not advised them to get it and they would not be taking it. They had me sign that they had picked up the recliner and I made a copy for myself which clearly stated 1 # to be picked up and returned to XXXX XXXX and listed the recliner and it 's serial number. Today, not only did XXXX XXXX call to harass me again over an item I have made 3 attempts for them to pick up, but they also placed the account back on my credit report showing a balance, that it 's past due, which it was n't when the bankruptcy was filed and that it is open. This violates Federal Bankruptcy Laws.

Company response to consumer: Closed with explanation