milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/19/2017 about Debt collection (Medical debt) with LANIER COLLECTIONS AGENCY AND SERVICES INC (GA).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: XXXX XXXX XXXX XXXX {$690.00} Lanier collection agency for {$300.00} for {$94.00} for {$120.00} for {$66.00} and for {$120.00} which was all paid by my insurance company so I do n't owe any collection agency anything. Plus I do n't I never signed a contract with XXXX XXXX XXXX or Lanier agency

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2017 about Payday loan, title loan, or personal loan (Installment loan) with LendingPoint Holdings LLC (TX).
Issue: Struggling to pay your loan

Complaint: I was severely affected by hurricane harvey. My business suffered and I was behind on some bills. I sent a partial payment and was late on the remainder. I was told by XXXX XXXX that I had 10 days to pay before the account was delinquent. I agreed to pay before the ten days. Two days after I was told this, with 8 days before delinquency, my co-worker received three phone calls in a day from XXXX XXXX at Lending point asking for me.

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 03-08-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: XXXX XXXX XXXX was disputed and they do n't own the debt anymore. So, by law they have no more right to even report anything to the credit bureaus. They left a wrongful dispute on my credit report. The account number is as followed : XXXX XXXX XXXX XXXX sold the debt to another company. But they want give me the proper contact information inside XXXX to talk with someone about the debt. They all ways transfer me to a department and the number hangs up after 5 minutes of waiting. I am given XXXX XXXX ( XXXX ) XXXX email XXXXXXXXXXXX full authority to speak on my behalf please make notes on this case number that will be provided by the CFPB.

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 01/27/2017 about Credit card () with AMERICAN EXPRESS COMPANY (HI).
Issue: Credit card protection / Debt protection

Complaint: Aloha, Having received two confirmations of the resolution of my hacked account ( XXXX ) in which American Express issued an additional card to an unknown person at a different address, ( XX/XX/2017 from XXXX ( a XXXX? ) in XXXX, and XX/XX/2017 from XXXX of Fraud Services, no address given. ) I have received a refusal from your XXXX Office ( XX/XX/2017 ) to comply. 

I informed them them of the following : '' As a consequence, I will be filing a criminal complaint with the Public Prosecutor 's Office in XXXX against American Express for extortion. 

I previously was told by your agent that I had to pay the minimal amount on my bill to keep the account open so the fraudulent claims could be resolved. 

Now that the issue has been resolved and you did not refund my {$240.00}, your action confirms the intent to extort payments from the victim of fraud rather than resolve the issue. '' Then I received yesterday, XXXX ' ( the incontinent? ) letter telling me to call XXXX if I needed " further service. '' I wanted to inform them that XXXX would not comply, but all I got were four electronic referrals telling me that no such account existed. Finally, I got an " XXXX '' who recycled me to the recorded message at the Fraud Division. Unable to reply to their demands for a fifth time, I go a real person who told me there was no " XXXX '' in Fraud Services. Apparently, AmEx 's Fraud Services engages in fraud. 

Now I have to follow through and prosecute AmEx for extortion. In addition, I will include the BBB, XXXX, the XXXX, and the Consumer Protection Office of the U. 
S. Treasury to justify an inquiry into your business practices. My proposed remedy is that your legal department will be required to be instructed in all " persons '' obligations under the US Constitution. If they continue to argue that they are legal, I would move to have them disbarred to practice law in the USA. Consumer Protection would then be responsible to restructure your consumer " care '' (? ) operations to make them compliant with the Constitution. ( Vide : " XXXX '' and the US Constitution, " indentured servitude. '' Membership credit cards carry excessive interest fees to keep the economically vulnerable in " legal '' servitude to the credit agency and are intentionally designed to inflict these ill-gained profits. This relates to all membership credit cards issued by airlines, banks, etc. who engage in this practice. ) XXXX XXXX, HI XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2015 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: 9 years ago, my wife and I bought our house in XXXX. Being so, we were given a " XXXX XXXX '' loan with our second mortgage having a 11.5 % interest with a {$50000.00} balloon payment due after 15 years. We just had XXXX and have been attempting to modify the mortgage as we can no longer afford the payments. We have submitted twice and been denied twice with them stating that we make too much money. Apparently, it Ocwen 's policy that they do no take out payroll deductions from anyones income that will be helping to support the original lein holder, therefore, showing that we have an excess amount of cash on hand each month. In a final attempt to do something with this mortgage, my wife 's aunt offered to pay {$25000.00} of the {$53000.00} left on the loan as a closure settlement. Once again, they have denied us. Their only advice is to stop paying, take the hit to my wife 's credit, and maybe in a few month the " investor '' will be willing to do something. So, for the past 4-5 months, they 've given us no viable option to modify or settle the loan, therefore forcing us to stop payment without any other terms of negotiations. We 've never missed a payment or been late on a payment, we both have credit scores over XXXX, and yet, according to their own policies, we do n't qualify because our account is in perfect standing. Yet, every time I google the name Ocwen, I find nothing but lawsuits and settlements from the government saying that they have to give homeowners options and relief. Where is the relief for us?

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2017 about Credit card () with SYNCHRONY FINANCIAL (WI).
Issue: Delinquent account

Complaint: I have repeatedly set up my account for autopay, gotten confirmation that the account is properly set up, and then the payment does n't process. The website is clunky, and while customer service has generally been helpful, my account has now been closed. I 've submitted an official request for appeal, and received a letter that failed to directly respond to my request. Once again, my monthly autopay did not deduct, and this affects my credit score.

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 non-monetary relief
Consumer complaint received 07-10-2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: A delinquent XXXX account in the charge off amount of {$19000.00} showed up on my credit report. It was disputed immediately as the name reported does not belong to me. The first and last names are correct, however the middle initial is not, nor is it an initial I have ever used in any of my records. The address connected with this account did not belong to me as well.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 
Going forward Equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 
This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected. ''

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Penn Credit Corporation (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I settled the debt with Penn Credit Corp in 2012 in the amount of {$210.00}. It has recently hit my credit report as an active open collections account. I need to know how to have it marked as closed or removed from my report all together.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2016 about Prepaid card (Mobile wallet) with PAYPAL HOLDINGS INC. (NJ).
Issue: Managing, opening, or closing account

Complaint: My Current PayPal account is XXXXXXXXXXXX this account has {$170.00} available funds ; Opened in good standing since XXXX XXXX. Account limitations have been placed on this account and it has been completely frozen I 've been told misinformation as to why my account is limited. I 've spent hours on hold and on the phone only to get nowhere. They just repeat themselves, transfer you and repeat them themselves, than put you on hold until you 've been on the phone an hour only to be disconnected.. 

FIRST THEY said my account is limited to customer complaints of not receiving merchandise.. Than they said its because on another account from XXXX that is negative. So when I get contradicting statements witch which is clearly evident in the correspondence sent by PayPal. Every response shows contempt to answer any of my questions I do n't know what to do or believe. They keep ignoring my question and repeating XXXX of XXXX scenarios. I 'm sending you everything I 've got so hope you can make sense of it and help me regain access to my account and my funds.. I really need that money I 'm behind on my XXXX XXXX credit card now thanks to PayPal stonewalling me.

Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Rent Recovery Solutions (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Previously had a lease with XXXX XXXX between the months XX/XX/XXXX-XX/XX/XXXX. XXXX XXXX agreed to let us out our lease with no penalty and any additional fees on XX/XX/XXXX through a signed release agreement which stated that we would not pursue civil actions. After this was signed the apartment complex as sold to a new property management company, XXXX XXXX, who is trying to collect on behalf of XXXX XXXX. We received a notice on XX/XX/XXXX in regards to a balance due. We question some of the fees associated with the balance as they were to be removed were still listed. We requested from the collection agency and the property management a copy of a itemized and detailed statement, but was never provided XXXX. We then sent a letter stating that we would be initiating a civil proceedings to get the things we need and to pursue civil penalties. We were contacted by an attorney who threatened to sue us and take us to court if we pursued civil action against them. Through out contacts with the attorney we requested a itemized copy of our final statement. He agreed and sent the request on XX/XX/XXXX. I have attempted to follow up with XXXX XXXX XXXX on several different occasions with the most recent occurring on XX/XX/XXXX in regards to a statement and itemized bill. The leasing consultant refused and stated that she could not help me. The collection agency stated that they are no responsible for the balance and the contract is now between Rent Recovery Solutions and myself. They stated that the balance is due to them. 
The collection agency was faxed a copy of all the documents I hade pertaining to the balance but on XX/XX/XXXX they claim they never got them. I was able to retrieve a copy of the fax cover letter and confirmation which clearly states that I indeed sent the information. 
Now the account is in collection and we as the consumer have no way to verify the amount the debt or the accuracy of the balance. We also agreed to pay the balance due once we received a itemized statement with the correct final balance. 
The collection agency, the attorney and the property management have failed to provide us with a final statement. The only thing close to a statement is the letter from the collection agency. 
The charges that should have been removed and are in question include : {$75.00} Return Check Fee {$1000.00} Early Termination Fee {$97.00} Late FeeWe were also to be given a credit of {$330.00} because the apartment was not move in ready but that fee was removed and without being provided a notice. 

Again we would like to have this balance paid in full as soon as next week but only if we can see an itemized bill to verify if all the fees were correctly adjusted.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 about Debt collection (I do not know) with NCB MANAGEMENT SERVICES INC (CA).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: THIS IS NOT MY DEBT AND I AM NOT THE PERSON THEY ARE TRYING TO CONTACT.

NCB Management has repeatedly, often daily, called my workplace asking for someone named XXXX, who does not work here. I have told them repeatedly that XXXX does not work here, that I do not know such a person, and that they are calling a workplace and need to stop disrupting my work. However, they have completely ignored my requests for over one month. The repeated harassment is disruptive, infuriating and against the law.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Balance transfer

Complaint: I have a Capital One Credit Card, a Personal and a Business Card ( which is now XXXX13 month since I got them ). 
For this complaint I would like to explain the aggravations and how Capital One Defrauded me and the huge damages that I 'm suffering about. Let me start with the Business Card. 
To better understand Capital One has a feature which they mail out a check to your address and it 's payable to your name, and then you can deposit it to your account and then do with it whatever you want. 

Here is the Story, I requested XXXX checks to be mailed out to me on XXXX/XXXX/16 and XXXX/XXXX/16, the total of al XXXX checks is {$15000.00}, long story short, I NEVER RECEIVED THE CHECKS!! I called Capital One and was transferred to the Fraud Department, and they told me they will close my account due to fraud and mail me out a new card, and they assured me that I will not be Liable to the Fraudulent Transactions. 
So that 's what they did, and I received a new card, but Capital One did not keep there promise of not holding me liable to checks which I DID NOT RECEIVE. 
I called again the Fraud Department, and they were giving me such aggravations that I had no doubt I will end up in the hospital. 
And this is what they told me after being on the phone for 3 hours for ten days. 
" WE INVESTIGATED THE XXXX CHECKS AND WE REALIZED THAT THESE CHECKS WERE DEPOSITED AND THEREFORE THERE 'S ABSOLUTELY NOTHING IN THE WORLD WE CAN DO TO HELP YOU '' after many hours of crying on the HUGE loss I had, I called capital one and told them to please prove to me that I received the checks and that I cashed them. Because I know 100 % I DID NOT RECEIVE IT AND DID NOT CASH IT, AND I OFFERED THEM ANYTHING THEY WANT TO PROVE IT. 
So I was told by a representative that they are not able to mail me out the checks. 
So I called again, and was transferred to XXXX departments until I was finally told that they will mail me the checks and I will have it in 7 days. 
after 14 days I did not receive it, I called again and they told me " SORRY WE CAN NOT HELP YOU ''. 

I 'm here begging the Consumer Financial Protection Bureau to please help me not to be a victim of the FRAUD and UNETHICAL behavior Capital One did to me, and help me I should not loose my money, and help me with money so I can go to a therapist so I can get my mind together. 

PLEASE AGAIN I AM BEGGING FOR HELP!!

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2016 about Payday loan () with CURO Intermediate Holdings (GA).
Issue: Charged fees or interest I didn't expect

Complaint: I paid speedy cash on time then something went hair wire ... they are taking large amounts from my bank. 
When I speak to the office in XXXX TN. the girl today said it 's not them taking it out. It has their name beside the amount on my bank account. 
They have been doing this for 3 months now. My account stays overdrawn and this is why. Help is this deceptive business practice???? They have taken out XXXX for two months and does not reflect that on my bill.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CORELOGIC INC (NJ).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Last year, we were looking for apartments and homes and several realtors requested my credit score or looked it up. However, I do not recognize any of the inquiring companies, and it seems odd one of them is located in California while I live in New Jersey. The company info is as follows : Credco XXXX XXXX, CA XXXX ( XXXX ) XXXX-XXXX The inquiry is from XX/XX/2017. 

XXXX XXXX made two inquiries, one on XX/XX/2017, and the other on XX/XX/2017. Their information is below : XXXX, PA XXXX ( XXXX ) 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 with explanation
Consumer complaint received 03-04-2016 about Bank account or service (Other bank product/service) with CITIZENS FINANCIAL GROUP, INC. (TX).
Issue: Account opening, closing, or management

Complaint: citizens one keeps sending collections notices when this acct was paid up,

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2015 about Debt collection (Medical) with SYNCHRONY FINANCIAL (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: It is very difficult to understand how a person that you trusted to provide dental services for your family, can destroy the credit that you have been trying to protect. 
XXXX XXXX XXXX XXXX has taken advantage of my good nature to strong arm me into an agreement for extensive services that I did not want nor agree to. 
I did not realize that his disregard for his patient would lead him to deception of services and extraction of undeserved funds. 
I went to XXXX XXXX because I had a painful tooth that needed removing. When the extraction was completed, XXXX XXXX said that he would recommend some additional services. 
I told him that I had to think about it. 
On my way out of the office, the receptionist or cashier told me to sign up for a dental plan to help pay for the additional work just in case I wanted to go forwarded with the treatment. 
Later, I received a bill in the mail that I assumed was for the tooth extraction. 
I paid the bill only to find out that XXXX XXXX had turned me over to a finance credit agency before I had ever agreed to the Additional treatment program. 
This is a situation where I did not realize that my insurance company paid XXXX XXXX for the extraction. 
XXXX XXXX collected XXXX XXXX and XXXX XXXX Dollars from me for something, I do n't know. 
The Synchrony Bank in XXXX, Florida has destroyed my credit because of a treatment program that I never agreed to. 

I have attempted to contact all parties involved in this deceptive practice, but the response has been less than civil. 
I need help to protect my family from this type of predatory abuse.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/24/2017 about Mortgage (Conventional home mortgage) with Statebridge Company (NJ).
Issue: Trouble during payment process

Complaint: I am a victim o f Hurricane   XXXX  (  XX/XX/XXXX ) and my home was declared a total loss. I qualified for the flood insurance ( sitting in escrow with  the bank  XXXX   XXXX   ). No mortgages were paid because no home exists from the severity of the damage. We were negotiating a new mortgage, as I was waiting to get a release of a Grant from the NJ Government ( RREM ) to rebuild my home. All was good UNTIL th e bank sold the hundreds of bad "  XXXX  loans '' to a  3rd party bank (   Statebridge  Bank in Colorado  ).   IMMEDIATELY thereafter, I was sent a foreclosure notice AND they absconded with my {$130000.00} of flood insurance money!! Additionally, since I am  fully   XXXX  ( due to the losses of my wife/home/business/personal belongings ) and no longer able to work and to afford a high mortgage, I was forced to file CH.  XXXX . What makes this worse, it i s ILLEGAL for any l ending institution to foreclose on a  XXXX  Victim PRIOR to   XX/XX/XXXX !! So , the bank refuses to accept my offer of paying them off or recasting my mortgage to an affordable su m ( HARP Loan ). MY offer was 1 1/2 times OVER appraised  value!

Company response to consumer: Closed with explanation