milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-10-2015 about Debt collection (Medical) with Ray Klein, Inc. (OR).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Ray Klein dba Professional Credit Service filed lawsuit in the XXXX XXXX of the State of Oregon for the County of XXXX case # XXXX for medical debts at XXXX XXXX XXXX in XXXX XXXX, OR for emergency room services performed on dates between XX/XX/XXXX and XX/XX/XXXX all of which was well beyond the State of Oregon XXXX year statute of limitation on debt collection. Also claimed principal in the amount of {$4700.00} and interest at 18 % per annum ( double the Oregon allowed 9 % ) totalling {$12000.00} for a total of {$17000.00}. This amount was utilized in the lawsuit to also put the total claim out of the range of small claims court to civil court when the plaintiff was further suing for collectable debt totalling {$2400.00} ( {$1.00} short of the {$2500.00} threshold to be civil versus small claims ). They are knowingly attempting to collect on too old debt, and utilizing that debt to move the case to a higher court that requires higher filing fees for defendant response. They also knowingly provided in the served copy of the suit incorrect filing instructions directing me to the XXXX XXXX XXXX XXXX. They also knowingly included instructions for response to a small claim when they filed in civil court.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (ND).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: My credit report shows a hard inquiry via Capital One on XXXX XXXX, 2017. This will be the second time that credit card accounts have been attempted to be created in my name. even after contacting Capital One several times over the course of a couple of years, they have been no help. Capital One told me that it is not their problem and that I should contact all of the credit bureaus to fix their mistake. I then called XXXX only to be told that I needed to contact Capital One for them to fix the issue. I have never once done any business with Capital One in my life. I need some sort of assistance to get this inquiry off of my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2016 about Debt collection (I do not know) with Midwest Recovery Systems (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I was reviewing my credit report and found this account, that i have never had and they have never contacted me. I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
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 have tried numerous time to dispute an address on my credit that is not mine. I get back the results that states, " The results are : The disputed address has been deleted. XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX. '' When I look at my credit report, it 's never deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: i was added to my husband XXXX XXXX XXXX 's account at XXXX department store as an authorized user a few months ago. He had a high balance when i was added. The next month i asked to be taken off account as a user because the balance showed up on my credit account and lowered my score. They took me off the account. It still shows a high balance of XXXX on my account as an authorized user on credit reports. I have since in the last few days opened my own account at XXXX in which it does not show up yet. But i want my husbands account balance off my credit report - please.

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 12/31/2016 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (AL).
Issue: Loan servicing, payments, escrow account

Complaint: I have tried and tried to get my payment history correct with Bank Of America. I made payment arrangements of {$740.00} so far I have made two which equals to {$1400.00}. I just checked my credit report and they are reporting that I am past due for {$1500.00}. this is in correct. Bank of America has not updating my credit and their has n't been a decrease of my balance of the second {$740.00} payment that I have made on XX/XX/2016. This is causing me a great deal of XXXX due to me being a female and a single female on top of that. I have made the arrangements of {$740.00} to catch up on the past due mortgage payments, and they still report I am behind on my Mortgage.

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 11/19/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: This are the new complaint on the lies by XXXX XXXX on complaints ending on XXXX/XXXX/XXXX. On the letter you stated that the bank took a loss of {$1800.00} that was a lie because very simple that amount was taken out of my checking account balance. 
2- The claim XXXX was never closed by the bank and it is still open. 
3- A debit card is not an account and according to customer support debit cards were cancelled on XX/XX/XXXX and they never replaced it or I received it or activated.if it states that the account was closed they are refering to the checking or savings account related to the debit card. 
4- The withdrawls that took place on XX/XX/XXXX over the counter for {$600.00} and the over the counter {$2100.00} and the {$1.00} on XX/XX/XXXX why a {$1.00} on same date and teller counter that is definatley a lie account ending on XXXX. You stated that the bank confirmed it was done with a drivers license that was used as I.D . and that it was on all three transaction a debit card ending on XXXX was used as I.D . never had this debit card period. NO CONFIRMATION OF ANY TYPE ALL IT SHOWS IS ( GA TLR WITHDRAWLS ON INDICATION OF ANYTHING AT ALL AND THAT IS WHY IT IS AS PART OF THE FRAUD THAT HAD TAKEN PLACE. 
5- I have reviewed all statements on accts and there were no indications or confirmations of any type on all withdraws that took place onXX/XX/XXXX and XX/XX/XXXX including a debit card ending on XXXX and it is my proof of the fraud that had taken place there was never any teller counter withdraws by me period in all statements of my accounts. IN ADDITION YOU CAN SEE ALL THE TYPES OF TRANSFERED FROM MY CHECKING ACCOUNT XXXX TO THE XXXX in the past and what has taken place is that you the bank confirmed that there was fraud and actually verified it with letter dated XX/XX/XXXX. therefore this is very simple confimation that all I needed to do was just go on internet or call customer support and just transfer all amounts available on the account XXXX to my XXXX where I had my directs deposits and had it for quite a while. So all transactions that took place on XX/XX/XXXX and XX/XX/XXXX were all done by the bank personnel or whom ever did all previous fraud transactions.

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 05/21/2016 about Debt collection (Mortgage) with OCWEN LOAN SERVICING LLC (NC).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: Ocwen was in receipt of a notice to correct an error on my loan for clear errors regarding the unlawful start of a foreclosure before sending a 45 day pre-foreclosure letter. Ocwen received the notice to correct the error on XXXX XXXX, 2016 at XXXX XXXX, Owen 's automated response system sent me an email response on the same date and time stating thanking me for my request. Ocwen claimed to be reviewing the information and stated that they will respond quickly as possible. If additional information was needed, they would contact me. On XXXX XXXX, 2016, Ocwen mailed out an acknowledgement letter stating again that they received the correspondence. Ocwen said its goal was to complete all research and provide a written response to me within ( 10 ) business days from the date of the receipt of the letter, but it could be 30 days. When the 10 business days passed, Ocwen was contacted by my wife regarding the pending sale on the property for the status and inquired about the investigation into the notice to correct the error. Owen 's representative said that the research was ongoing and that the sale had been cancelled. We noticed that the trustee was still advertising the property for sale and we inquired with them and found out that the sale was not off. Ocwen on a later date informed me that the sale was in fact canceled through a call with my resolution manager, but just 30 minutes or so before my appointment time with my resolution manager, the attorney for the trustee sent over a message stating the sale for XXXX XXXX, 2016 was still scheduled. We decided on XXXX XXXX, 2016, after failure to get fair, non discriminatory treatment from Ocwen and its agents, we filed a fair housing complaint based on what we feel is racial discrimination. On XXXX XXXX, 2016 contrary to information that we read on the CFPB site regarding a Notice to Correct an Error, Ocwen sold the property before sending a written response with supporting documents that no error was found.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Fidelity National Information Services, Inc. (FNIS) (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On or around XX/XX/XXXX I submitted a dispute with ChexSystems in regards to some misleading information on my ChexSystems report. After about 45 days, I never received a response in regards to my dispute.

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 06/24/2015 about Debt collection (Non-federal student loan) with reekside Recovery And Capital Management (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: They called my wife and gave her a phone number and a case number and told her that they were attempting to serve me at home but I was not there. When I called them to find out what the debt was I realized it was an old time-barred debt.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2017 about Student loan (Federal student loan servicing) with ACS Education Services (AZ).
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint: Last XX/XX/XXXX, I called ACS two months prior to my forebearance ending to see about putting my loan in forebearance another year. I have not worked since XX/XX/XXXX and I had to file for XXXX. My hearing for XXXX is in or around XX/XX/XXXX. By then, I will know if I have an income or not and begin making payments. I fully intend on paying my loan back. I had been paying on it on a regular basis for years without missing a payment. However, after my XXXX in XX/XX/XXXX, I have not been able to go back to work and filed for XXXX. 
Last XX/XX/XXXX, when I called ACS to find out my options for another forbearance, they emailed me the form same day. It was confusing so I called them for answers, telling them no change from last year and I was advised on how to fill it out. I sent it back regular mail in XX/XX/XXXX. I did not hear anything back either by regular mail or email. I called yesterday afternoon and I was told it was denied. I asked when. She said XX/XX/XXXX! She also said they put you on another program. I said wait a minute. I 've done everything they have asked me to do and they ca n't even notify me correctly of their decision and they want me to pay when I do n't have a job? She said to fill out the form again. She was n't knowledgeable in helping me fill out the form right. I lost confidence in ACS. They never used to be this bad. I am requesting another year of forbearance. I have yet to receive the response they said they sent me denying the forebearance so I have nothing to attach.

Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CO).
Issue: Loan servicing, payments, escrow account

Complaint: We have been trying to work with OCWEN mortgage company on reversing our mortgages back to an interest only payment on our rentals properties. We have followed all their requests filled out a huge package of forms and were declined. We have XXXX mortgages with this company and have made consistent payments for 10 yrs.. The mortgages reverted to a principal and interest recently, and we can not afford to make the principal and interest payment. It seems like a simple procedure, but yet no one is willing to help us keep our properties, which were purchased as an investment property for our kids education. This company has also been sharing our information with adjacent neighbors in the area. Is n't this in violation of some federal laws? We are happy to provide any information necessary to resolve our issues. This company has been nothing but uncooperative and rude.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2017 about Bank account or service (Checking account) with FIRSTBANK (MN).
Issue: Using a debit or ATM card

Complaint: My debit card was used fraudently. Over {$380.00} was used at a local XXXX. 
I called them and reported the activity. CSR filled out a fraud report. 
They mailed me out another debit card. Then blocked the debit card saying the fraud report was bogus. They also would not let me close the checking account. 
They refuse to remove from my credit report saying the dispute is too old. I should just just pay it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/29/2017 about Debt collection (Medical debt) with Helvey & Associates (NC).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have repeatedly asked this Collection Agency to provide me with validation that the account belongs to me. After doing further research this company Helvey and Associates are not licensed or bonded to do collect any debts in the state of North Carolina. I have checked my state website XXXX XXXX XXXX. No information for this collection agency is listed.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2017 about Payday loan, title loan, or personal loan (Installment loan) with Risecredit, LLC (GA).
Issue: Struggling to pay your loan

Complaint: On XXXX/XXXX/2015, I took out a loan from Rise Credit for {$5000.00} because I was faced with a financial hardship. That hardship included vehicle almost getting repossessed, hard time paying rent, and etc., because I did n't have any other outlet to borrow money from. Even though the money provided a temporary relief at that moment, I have been struggling to pay the loan. It seems like they know when I get into a difficulty because they would offer a refinance option which basically gives you the principal that is paid down from the amount borrowed. This option makes the situation worse because every time they offered it, I basically had to start over and to make matters worse, they do n't even try to lower the interest rate. In another desperate need for help, I reached out to them for a refinance and they told me that you only get three refinances and that they could n't do anything until the loan is paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: The balance of my student loan has been paid from XX/XX/XXXX to XX/XX/XXXX of a total of {$23000.00}. 

In XX/XX/XXXX and XX/XX/XXXX the payments were late and shows on 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 explanation
Consumer complaint received 01/28/2017 about Debt collection (Medical) with Retrieval-Masters Creditors Bureau, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: On XX/XX/2016, XXXX XXXX, XXXX, MI performed XXXX ordered by XXXX XXXX, XXXX. {$380.00} bill submitted at end of visit and paid in full w/ XXXX. XXXX sent additional bill dated XX/XX/2016 for {$88.00} for XXXX XXXX XXXX XXXX. XX/XX/2016 letter mailed to XXXX disputing bill and telephone call to XXXX. XXXX XXXX did not order this test & stated same in XX/XX/XXXX letter. XXXX letter dated XX/XX/2016 denying XXXX order mailed to XXXX on XX/XX/2016. On XX/XX/2016 complaints submitted to XXXX Attorney General, XXXX Attorney General and XXXX Attorney General. Communications from these agencies stated XXXX did not respond to inquiry. {$88.00} turned over to collection agency, American Medical Collection Agency. I sent several letters and made two telephone calls giving facts regarding fraudulent bill for lab work which was not ordered. XXXX has ignored all communications between customer and State Attorney Generals.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: On XXXX XXXX, 2015 I received an email from kohls.com about an order made for {$100.00} e-giftcard. The email showed my information along with the email where the e-gift card email went to. I never placed this order. The company was closed and I called early the next day. I spoke to XXXX in the fraud dept was able to zero out the e-gift card but was unable to clear my credit card for the {$100.00} charge. My case number is XXXX. They refuse to reverse the charge for the fraudulent charge. I have made numerous calls with no luck. I am being told that I have to wait for the investigation and for them to come to a conclusion to what happened. In the meantime I will be billed for this bogus charge.

Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have been a victim of identity theft. I filed a police report and submitted information to Experian but they have failed to remove the false information.

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 08-07-2017 about Mortgage (Conventional home mortgage) with Shellpoint Partners, LLC (FL).
Issue: Trouble during payment process

Complaint: We have had many mortgage and lending companies service our mortgage. In XX/XX/XXXX we had sent a XXXX dollar money gram to XXXX XXXX to catch up on our past due charges in which they said we owed. When we got the next bill it was asking for more money over {$1000.00}. So we filed for Hardest Hit Program.They gave to XXXX XXXX XXXX dollars to help us, But when we went to pay the first payment in XX/XX/XXXX when the program was over, we were amazed to see that only XXXX dollars was applied. So when we asked the manager where the money had gone they said it was hidden fees and could not give us answers. We stopped paying and let our lawyer take care of the phone calls and letters. Then the mortgage was sold to XXXX and now is with Shellpoint mortgaging service. I wrote a letter to Shell point to describe all the history of what XXXX XXXX did but no response. So now XX/XX/XXXX we want to move. We asked for payoff of our home and this is the amount, XXXX payoff which is fees added on to the mortgage from {$85000.00}. WOW The mortgage should have been XXXX or less after the program helped but now they have tacked on another amount of ALOT more. This is not right for us and many others in this situation. I wrote a letter to the program and they directed me to you. Please help us with this.We want to sell but need the price down to XXXX or send us the title to our home in which we had a 15 year and paid double toward the principle at times. We have lived here for 18 years. Brand new on a lot we purchased years before. We were never late until hard times in which we gave them the full amount in XX/XX/XXXX of {$5000.00}, They tried to foreclose us XX/XX/XXXX but that is when we went for help and now they either want the {$110000.00} or saying we are in preforclosure which we just found out at our bank when the credit report was run. We appreciate all the help you give to us, My daughter has just left for the XXXX XXXX XXXX XXXX XXXX XXXX and I appreciate the video of the young man in the XXXX XXXX that helps people in this site. God Bless America. XXXX 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 08/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ID Analytics, Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On XXXX XXXX 2017, I was denied an auto loan based on some company called SageStream LLC.?? Never heard of them before, and ca n't contact them, only by mail. I know on XXXX XXXX 2017, my scores were XXXX XXXX, XXXX XXXX and XXXX was XXXX. This company sagestream has my score at XXXX??? are you kidding me, after all the fuss of making sure my credit is the best it can be, here comes some interloper who I never heard of, who wo n't take a call and no response when written to. Please help in this matter. Now I have XXXX inquires and 5 denials! Can I sue for fraudulent reporting. Thank you 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