milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-06-2017 about Debt collection (Medical debt) with Computer Credit, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: On XXXX XXXX 2017 I had to take my wife XXXX XXXX to the XXXX XXXX XXXX XXXX emergency room in XXXX XXXX Texas for extreme pain in her side ( XXXX XXXX ). We presented our XXXX from XXXX XXXX card which would have covered in network or out of network emergency room visits. Their explanation of benefits clearly say no charges after deductible in or out of network, which was met. It also says limitations and exceptions none. Available at XXXX XXXX XXXX XXXX. 
I have received a bill from the hospital for {$5700.00} which has been sent to collections because the health insurance did not want to pay the hospital the total amount. I have called the hospital and they said they cant do anything because XXXX does not want to pay the bill which in their benefits it says no limitations or exceptions after deductible. This is not the first and only bill my wife and I have been responsible for but it is the biggest one. There are others that were supposedly covered but XXXXXXXX XXXX will do anything to get out of paying. I have called them a several times times but they are very rude and say that its my problem because I was out of network ( again refer to explanation of benefits )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Debt collection (Medical debt) with Brown’s New Credit Bureau Inc. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I disputed with the company that I was not properly notified. Their response did not verify I was properly notified. Before it even went to collections I had called twice about the debt and was told the bill would be sent to me. The first notice I get is from the collection agency in my minor childs name. Instead of verifying accuracy the rude collection lady changed the name to mine and sent me to collections without proper notification. After their response that did not verify I was proplerly notified I complained with the CFPB ( case # XXXX ), which the company never answered ).

Company response to consumer: Untimely response
Consumer complaint received 06/23/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Delinquent account

Complaint: I opened account with capital one around XXXX 2011, I do not remember well when. They issued me a credit card, once I tried to used I could n't. I called Capital One asking what happened and they told me that the issued card was a mistake they made, that they should it never give me a card because of my credit report. So my card was canceled or suspend it, without giving me the opportunity to use the card. 
Today they are reporting a charge off account for the amount of {$330.00} dollars in my credit report. Knowing the company it was their mistake, no mine. I said I own {$330.00} dollars of what, on fees. Why? I feel rip-off. 
I never knew I had that account in my credit report. I am very upset that they have included that wrong information on my credit file and its causing me a lot of stress and because of them I getting denied in everything. 
Thank you, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 10-06-2017 about Mortgage (Home equity loan or line of credit (HELOC)) with OCWEN LOAN SERVICING LLC (NY).
Issue: Struggling to pay mortgage

Complaint: XXXX XXXX XXXX is a senior on XXXX XXXX living alone and in and out of the medical facilites for various medical treatments and procedures. She did in fact hire several law firms to take care of her bills and and her home and all 3 of the the law firms with licensed lawyers with so called experience took her money and even the attorney she gave her check book to pay her expenses is no where to be found. 

After returning to her home she found that none of her bills ( even her utilities were off ) nothing was paid as well as her mortgages. She is now faced with a foreclosure on a second mortgage serviced by Ocwen Loan Servicing. She has tried to speak to Ocwen but has not been able to work out any solution so far. 

She is facing foreclosure on XX/XX/2017. She pray that she will have a chance to save her home. This is a XXXX second loan serviced by Ocwen. 

XXXX has monies available to her that she inherited from her late husband. 
She is able to make payment arrangements and she need and want to save her home. 
She is looking for help ... Please help her!

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 10/13/2015 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (NC).
Issue: Fraud or scam

Complaint: RushCard had scheduled maintenance for XXXX XXXX from XXXX XXXX to XXXX XXXX well on XXXX XXXX at XXXX XXXX they stated it would be a little longer and they would fix the system issue well long story short its XXXX XXXX and my funds on my card has been lost and their cutomer service line is down and my payroll deposits and my other deposits are suppose to be on my card on this day XXXX XXXX and i have important bills thats due..it one thing to give a time frame and i prepared for the update but its gone to long and i cant access my online account or anything the website is down and each update that rushcard puts on facebook its a new issue. first it was maintainace now its an outage. well i was able to call my card after hours an check my balance and its not my correct balance. it money missing i cant get in touch with customer service because they are not picking up the phone and on XXXX XXXX at night i sat on hold for 58 mins before i gave up and hung up

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/30/2017 about Checking or savings account (Checking account) with TD BANK US HOLDING COMPANY (NJ).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I was victim of fraud but TD Bank is treating me like I was the perpetrator instead of the victim. I fell for an elaborate scheme that promised work from home. I cashed a check that cleared. I have learned the hard way clearing does n't mean the money has been verified. Days later TD Bank said the check was fraud but the money was withdrawn and paid to the " employer '' for equipment to work at home. Now it is my responsibility says both banks involved. TD has shown their true ways of business by caring more about themselves then their customers. I 've been a customer since it was called XXXX XXXX. This is my first issue and they treat me like garbage. I have called and called dozens of times and not one person has called me back. They promised to work with me because my direct deposits go to the bank and they would help by setting me up with a payment plan so I can live and also pay them back for being a victim now the responsible holder of {$3400.00} check. Not only have they lied to me about helping me. After calling so many more times, hey have applied my full paycheck to the amount owed and now tell me they wo n't help me by giving me any money but to add insult to injury they wo n't allow me to open another account without paying off " my debt '' to them. They also decided to pour salt in the wounds and " blacklisted '' me and have prevented me from opening up any other account with ANY bank. I am by far disgusted by this treatment and will not stop until some action is taken against the bank or have been provided with some assistance. Disgusted!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-11-2017 about Vehicle loan or lease (Lease) with VW Credit (CA).
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint: I purchased a vehicle from XXXX XXXX in XXXX XXXX on XXXX. Together with the vehicle lease I also purchased the XXXX XXXX and the XXXX XXXX XXXX plan. However, on XXXX I decided that the XXXX XXXX XXXX plan was not a good plan for me and decided to cancel. I went to XXXX XXXX and officially cancelled the plan with the same financial person that sold me the car. I received the receipt of the cancellation and I was told that the refunded money {$1700.00} would be applied to my account in about XXXX weeks. 
Since then, I have contacted both XXXX XXXX and XXXX XXXX periodically after XXXX weeks had passed to get a status updated and I always received the same response : it is getting processed. 
Well, it has been XXXX weeks now since I cancelled the plan and to this date, the total amount {$1700.00} has not been applied to my account. 
I 'm extremely disappointed with XXXX and the way this issue is being handled. If it was the opposite, with me not paying the monthly payment, they would have already charged me exorbitant late fees as well as potentially taken the car from me by now.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2015 about Debt collection (I do not know) with Empire Resolutions Group (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Called on, XXXX/XXXX/15 @ XXXX, to my home telephone number and numerous other times. 

The voice message stated that they were calling as a courtesy to receive my statement in regards to a asset & liability search done on my phone number. To dispute the claim I needed to call their office back at XXXX. Failure to do so would document me a non-cooperative. 

I have also received messages tied back to this number claiming that the IRS is suing me and that I need to call immediately. 

I believe this is a violation of multiple sections of the FDCPA and I want this to stop. I 'd like to pursue any legal & financial compensation remedies allowed under the law.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I opened a student loan in XXXX 2013 for about {$4500.00} and I have never received a bill and now they are stating I have been failing to pay this is not accurate I have never received any bill payment notification regarding me paying any loans for school the last time I checked they where not do was not notified and so there still should have been some type of bill sent to me regarding the loan amount, and or what I was to pay instead they just started reporting derogatory marks on my credit report and I have made several attempts to be heard, and I have NOT found any help. Not to mention how did {$4500.00} go to {$5100.00}?

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 Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Delinquent account

Complaint: I have not received a statement from capital one in over 2 months. This is not the XXXX time I have had this problem with capital one. They now have reported my account 30 days late to the credit bureaus causing significant damage to my credit because of their lack of customer service and integrity. I have a security clearance for my job and because capital one is inept with providing me statements this is now in jeapordy.

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2015 about Debt collection (Credit card) with Pressler & Pressler, LLP (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Pressler and Pressler keeps charging me amount of money that was already paid for and recieved letters of accounts already paid in full. and just recently they issued another bank garnishment

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2015 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Billing disputes

Complaint: American Express refuses to comply with the Fair Truth In Lending Act. This may look like a duplicate complaint, but it is the only way to update you on the facts. American Express is absolutely refusing to show and substantiate charges on our account. They also paid an unauthorized charge. This amount we know and can clearly see on the original statement. But there is {$1300.00} in additional charges on our account that show no line item corresponding charges anywhere and which American Express refuses to substantiate. They also refuse to honor our dispute and threaten us with credit reporting. I have explained to them that they need to honor our dispute and to prove to us the charges we can not see on any statement or combination of statements beginning in XXXX 2013. We pay this account in full each month for all line charges we have actually made. We run a spread sheet and check it carefully to make sure the numbers are correct. We are trying to do the right thing. It is time for American Express to do the same. I believe there is fraud on this account that American Express needs to investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2016 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I received an alert from a credit monitoring service of a credit inquiry to Experian initiated by XXXX XXXX, which I did not approve. I have not been able to reach anyone at XXXX XXXX or Experian to resolve the matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2015 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I have been disputing and requesting validation of a debt I do not owe for nearly a year now and Experian has not only been evasive, they have never once provided the requested and official documentation required by law, in reference to the following accounts : XXXX XXXX XXXX Acct # : XXXX since XXXX 2014, and XXXX Acct # : XXXX since XXXX 2014. 

Not once have they provided me valid proof that it was mine NOR that I had a contract with either of these company. Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g ( Sec. 809 ) that the claim that I owe them is not valid, and that I requested validation, and additionally I demanded proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of their authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. 

I have repeatedly asked them to provide the following, below ( items XXXX ) but would not disclose how they got any of my information in the first place:1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 
2. What is your authorization of law for your collection of information? 
3. What is your authorization of law for your collection of this alleged debt? 
4. Please evidence your authorization to do business or operate in this state. 
5. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. 
6. Please provide a complete account history, including any charges added for collection activity. 

This type of practice is not only upsetting but the authority and power these people have over other consumers presumably is also very illegal. They obviously are not willing to provide this which is even further illegal. I further ask that you look into the practices of this company and these collection charges brought against me that since it is the Bureaus RESPONSIBILITY to clean up and report accurate, fair, and verifiable information, they are not doing their job.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Vehicle loan or lease (Loan) with AFS ACCEPTANCE, LLC (SC).
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint: 3 months after I bought the car it broke and I had to fix it because the finance company Afs Acceptance wouldnt fix it. Its XXXX XXXXXXXX which cause me not to be able to make my payments and I was keeping contact and all. They didnt have to look for me or wonder whats going on. And I still have the car they dont want it back

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 03-02-2017 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Experian has fail to provide me with proper documentation regarding a XXXX account that I have disputed in the past and is still been reported as accurate.

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 01/19/2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (CA).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: I had an XXXX Store card from XXXX XXXX and I spent couple thousands dollars per month, and always pay on time. I accumulated couple hundreds of cash rewards without using them yet. Suddenly, they closed my account due to some technical glitch which is not my fault. I lost all my unused rewards, and I suspect that that is their way to make more profit by not paying the reward. Look at the bad review at XXXX XXXX XXXX where people complain about the same issue. 

I called them multiple times, and they kept transferring me to different department saying that they will transfer me to their manager and then the phone got dropped.

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 10-02-2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My mother put me as a joint credit card applicant on a XXXX XXXX XXXX credit card back in 2002 when I graduated XXXX. She did this without my knowledge or consent ( I believe her reasoning was to help me with my credit ), but she has since been imprisoned for criminal activities and has been unable to make payments on a card that I did n't even know existed until recent years. Now, this item is showing up as a negative item on my credit history and is impeding my ability to buy a home. I submitted this dispute XXXX and they had the item removed from my credit history. I have disputed this twice with Experian, however, and they will not remove this item from my credit. I called Experian ( another complaint I have is the difficulty in finding a live phone number to talk to someone ) and they advised that I speak with XXXX XXXX XXXX XXXX which I did, and they advised me that I needed to speak to Experian XXXX and that there was nothing they could do.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-08-2016 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (SC).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX, my husband and I relocated to XXXX, XXXX. At that time we had our personal residence in XXXX XXXX, XXXX which needed to be sold. Previously it was rented several times and the renters ' moved out, causing a hardship of paying the mortgage. In XXXX, XXXX XXXX listed our property, XXXX XXXX XXXX, for {$190000.00}. It did not sell so we contacted Citi Mortgage for consideration of a short sale. To be approved for Short Sale we had to show a hardship of not being able to pay the mortgage. The Citi Mortgage representative, XXXX XXXX, obtained the BPO ( Brokers Price Opinion ) for {$140000.00}. The property went into pre-foreclosure at XXXX County Clerk of Courts and sold on XXXX XXXX, XXXX. During the ten day redemption period, the listing agent sent XXXX offers to the Citi Mortgage Representative, XXXX XXXX, a short sale representative. The offers were for {$110000.00} and {$110000.00}, the latter offer being increased to {$120000.00}. During this time Citi Mortgage gave me the impression they wanted to assist me in keeping my house out of foreclosure, but Citi Mortgage did not accept either offer! This dialogue is documented through emails, which will be sent in attachments available on a word document. 
I contacted Citi Mortgage regarding the above mention property and was informed the property sold on XXXX/XXXX/XXXX for the price of XXXX and the account was closed on XXXX/XXXX/XXXX. 
The National Mortgage Settlement and Independent Foreclosure Review included this property in a complaint against Citi Mortgage for their erroneous errors and mismanagement against consumers regarding various mortgage issues. On XXXX/XXXX/XXXX, I received {$1400.00} from National Mortgage Settlement, and on XXXX/XXXX/XXXX {$500.00} from Independent Foreclosure Review. These amounts do not represent the hardship I have incurred which has caused damage resulting in me having no credit worthiness. 
The reason for my complaint is that I desire to be fully compensated for damages to my financial portfolio. These acts by the mortgage company have prevented me from obtaining mortgages, low interest rates for credit cards and various loans. This hardship has denied financial possibilities to aid in obtaining credit stability to purchase a home. 
Thank you in advance for reviewing my complaint.

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