milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/19/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (IL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: To Whom It May Concern : Discover was involved to get the case resolved on my behalf but they did nothing. Although I included all the support documentation from 3rd part government website showing that no service was rendered. The case was resolved into my favor, then, it got denied, and automatically got into the so called second review, which is basically a bit of time waste and then denial, since no one really looks into documents provided until CFPB gets involved. I contacted Discover few times, they said they will have a serious look into the issue and they will get back to me. But they never did. 

Summary of the service to be received : Attorney XXXX XXXX XXXX was contacted on XX/XX/XXXX for help in regards the driving ticket representation. He promised to get the traffic charges and we agreed upon 2 payments each of {$450.00}, total amount due would be {$900.00}. 

Ticket violation was XXXX ( DISREGARD TRAFFIC CONTROL DEVICE ). 

On XX/XX/XXXX Attorney XXXX XXXX XXXX left message saying I should pay the fine ( {$150.00} ) now and that I have an outstanding balance of {$450.00}. I checked on the phone, and it looked like the court was rescheduled from XX/XX/XXXX to XX/XX/XXXX so I was a bit confused if charges were dismissed, then why to pay the fine? Keep in mind that XXXX XXXX court payment processing website updates the info in real time. 


Then on XX/XX/XXXX Attorney XXXX XXXX XXXX sent multiple messages saying he is withdrawing from the case, keeps the funds and not going to help any further and I can deal on my own. Although not long ago he advised that the case is over, and 2 payments had to be made one for {$450.00} to pay the balance, and {$150.00} for fine ( for a dismissed charge ). 

On XX/XX/XXXX the payment however was made for {$450.00}, but {$600.00} were billed, saying the charges were dismissed. However, on a website when I checked, it says the ticket was paid on XX/XX/XXXX for DISREGARD TRAFFIC CONTROL DEVICE, which is the same charge as charged initially. 

At this point the situation is that Attorney XXXX XXXX XXXX was paid to get the charges dismissed, and in the end I got guilty as charged, had to pay the fine for the violation, and attorney for paying on my behalf the ticket online billed me {$900.00}. 

For dismissed charges you dont pay fines. 

For Discover disputes service I included the screen shots to see before/after the court dates to see that it updates info in real time, shows the charges, I also included the ticket information and highlighted another ticket what to look at ( original charge and to compare it with the website as well as how to XXXX XXXX XXXX to see the violation ( which is in the ticket ) and compare against the court website. 


You may also validate it here : XXXX XXXX XXXX enter ticket number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2017 about Credit reporting () with Experian Information Solutions Inc. (KS).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have on numerous occasions supplied Experian with a copy of my Notarized and signed ID theft affidavit and letters from the Office of the Comptroller of Currency and XXXX in regards to an account that was opened at XXXX fraudulently due to ID Theft. Experian has failed to honor their legal obligations regarding ID Theft and has continued to allow the account from XXXX to remain on my credit report. This is even after XXXX has contacted me by letter and through the Office of the Comptroller of Currency stating that this account would be removed from my credit reports. 

On my last dispute XXXX and Experian even updated the account even though XXXX has promised to remove this account from my reports and XXXX ( which XXXX sold the account to ) has removed it from my reports due to it being opened due to ID theft. 
The multiple falures by both XXXX and Experian to honor their word and/or legal obligations has caused me both financial difficulties ( increased insurance premiums, increased deposits, increased interest on open accounts ) but has also caused me 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 non-monetary relief
Consumer complaint received 03-02-2017 about Debt collection (Credit card) with GMA Investments, LLC (GA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Summit receivables called my husband about my debt and he is not on card. They called me and tried to tell me I am in a XXXX state and they can collect from him. I am in Georgia so they ca n't. They tried to scare me by saying if they go to court it will affect my husband

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Keep getting my sons information mistaken with mine. My name is XXXX his is XXXX nothing similer except for the XXXX .All his collection show up on my credit report can not seem to make the credit report companies to understand this. All of the addresses that he has used show on my report .All of the credit he dose not pay show on my report .Maybe he has used my S.S. # i do not know .Have been trying for years to get this corrected but to no avail .We have different S.S. # what could be so hard for this to be corrected?

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 09-05-2017 about Debt collection (Other debt) with Omega RMS, LLC (MO).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: Omega was sent an account for collections from XXXX XXXX for {$200.00} which was fraud. I wrote a letter to XXXX XXXX on XX/XX/17 stating they no longer have athz to withdrawal from my account. That same day they tried to withdrawal {$200.00} ( 2 weeks worth of services for the future ). Omega sent me statements which i explained to them if they look that there was a weekly payment XX/XX/17 that cleared around {$100.00} for that week of services. I took the copy of the letter to the bank when they charged my account. My bank saw it as fraud and returned the payment as NSF, which now Omega has been hired to collect. Omega has also sent me 5 other peoples personal debt information, balance, account numbers with omega, which i have proof of. They have also reported to my credit report instead of disputing this. on XX/XX/17 I requested a no cease and desist and they would not honor a verbal c & d. I do have the recording from the conversation with the rep at Omega. Will be also filling AG and CFBP complaint on XXXX XXXX. I was contacted by XXXX and also the state that was doing an investigation against XXXX XXXX so they did not uphold their end of the contract of care they would provide for my daughter, but want the 2 week notice amount and tried to with drawl the amount when they were told they do n't have athz from my account. All Omega did is get a validation of debt, however I have disputed the way the charge came to place and I did not recieve the services. Then for the rep to say she will not honor a verbal cease and Desist. I do still have mail that Omega RMS sent to me with 5 other peoples letters, that have their account numbers, balances owed and also personal information. I know this is against regulations also. The company is well aware of this as I have informed a supervisor that I have them. I still have a copy of the letter that was given to creative kids and was shown to the bank and reason why they reversed the payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (NY).
Issue: Application, originator, mortgage broker

Complaint: To whom it may concern : In XXXX we took a residential mortgage with XXXX Mortgage Co., a division of XXXX. This mortgage was subsequently assigned to XXXX XXXX Bank ( file # XXXX ). Around XXXX XXXX we refinanced the above mortgage with Washington Mutual ( WAMU ) ( file # XXXX ), which became the assignee of the XXXX mortgage ( file # XXXX ). However, WAMU never filed this assignment with the County XXXX Office. We refinanced again around XXXX XXXX and paid off Washington Mutual. However, since WAMU never filed the mortgage with the County XXXX Office, it did not file a Satisfaction of Mortgage either. WAMU acknowledged this error in the payoff letter it sent to us ( file # XXXX ). Recently, we tried to refinance the house again to help our daughter with college costs, but the bank refused because the XXXX Mortgage is still showing as unpaid at the County XXXX Office ( file # XXXX ). The County XXXX Office stated that Chase Bank ( which took over WAMU ) has to do two things : ( 1 ) file the assignment of XXXX Bank on behalf of WAMU and pay the recording fee ( which we originally paid as part of the closing costs ( see file # XXXX ) and ( 2 ) issue a Satisfaction of Mortgage letter to remove the lien. 
the following are our contacts if you would like to reach us : XXXXXXXXXXXX cell= XXXX 's XXXX XXXX XXXX XXXX ; XXXX 's ( XXXX ) XXXX home= ( XXXX XXXX XXXX Thank you for your attention in this delicate matter. 
Sincerely, XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2017 about Student loan (Non-federal student loan) with NELNET, INC. (CA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: Ca n't afford to pay the monthly payments. Contacted the provider and they stated they ca n't do anything for me. I 'm not sure why I 'm paying for a loan for a degree that does n't exist.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Have been trying to get numerous errors of my consumer credit reporting file without success ; have written letters, phone calls etc issues still have n't been remain the account I have an issue with that are reporting on all 3 of my consumer files are Chapter XXXX  Bankruptcy per new law that is reporting inaccurately and needs to be removed : XXXX XXXX XXXXXX/XX/XXXXChanges.XXXXpdf Accounts that are reported included in a bankruptcy I did not file and does not belong to me are XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX , XXXX , XXXX XXXX XXXX XXXX XXXX and XXXX XXXX these account are not mine, are reporting invalid I have not signed a contract with these companies no monies are owed and I would like these accounts, all inquires not attached to an account, and bankruptcy removed from all three of my credit reporting files immediately.

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 06-01-2017 about Debt collection (Other debt) with CCS Financial Services, Inc. (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have o n 2 sep arate occasions tried to resolve a collection account being reported by this company. I do not know where this account originated from. After recently obtaining my credit report I noticed this account. I am unaware of any terms or conditions regarding this account. I have requested that this company provide me with a contract or any documentation bearing my signature that will show what I agreed to and if so when. Both of my attempts have been ignored. I called that did n't go well I sent a certified letter before waited the 30 days still no response called again and told me it takes time. After the allotted time went past again I sent another request to date I still have not received a response and the 15 day time frame has passed.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Payday loan, title loan, or personal loan (Title loan) with Select Management Resources, LLC (PA).
Issue: Struggling to pay your loan

Complaint: On XX/XX/XXXX I went to NTL in Delaware for a loan, desperate because I had to move on XX/XX/XXXX and  did n't have all the money to do so. I received XXXX on that day, not realizing the interest was at 300 %. I am a PA resident. and do n't think my interest should be this high. I am now struggling to pay XXXX a month just in interest and not towards the loan.

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 07/19/2015 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: They are reporting bankruptcy to all XXXX credit buros XXXX XXXX eqifax and XXXX the information is incorrect it says it was discharged in XX/XX/XXXX but it was discharged in XX/XX/XXXX that 's 13 years from now it was chaper XXXX which should only stay on 10 years the most this is hurting me from getting a house for my kids n I and I have reestablished credit over the years and this is still coming up the credit report company 's are sending no proof to back up there claim I want it removed at once or ill sue

Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2016 about Mortgage (Conventional fixed mortgage) with FREEDOM MORTGAGE COMPANY (NY).
Issue: Loan servicing, payments, escrow account

Complaint: These people bought my mortgage a few years back, and are the worst I have ever seen in terms of customer service, and that is quite a statement. 
I have run call centers/helpdesks for some time now, and if my staff or response times were anything like this, I would expect to be fired. After waiting 15 minutes to speak with someone, I had a complaint about a fee they wanted to charge me for a piece of basic information ( payoff quote ). I asked to speak with a supervisor, and was told that none were available ( strike one ). I was told that I would be given a call back - when I asked what the timeframe was I was told 72 hours ( strike two - three days, really )? 

Strike three was when I was told that " supervisors do n't leave messages for people if they ca n't get in touch with them '', this in response to me saying that I had never heard back about another complaint I had with them a few months ago. I was told that someone " tried to call me '' three times, but did not get me. Absolutely pathetic - I have no missed calls or messages from them. 

At the end of the day, I need this information to get away from this pathetic company, so I will pay the fee. Exactly what they are counting on me ( and XXXX other customers ) doing because they assume that we will just " go away '' when there is no available escalation path within the timeframe that we need the info in.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2016 about Debt collection (I do not know) with ERC (GA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: ENHANCED RECOVERY I asked ENHANCED FOR for valiation and verification pursuant to 15USC1692g ( a ) ( b ), I am the Consumer Pursuant to 15USC1692a ( 3 ), and EHANCED RECOVERY is a DEBT COLLECTOR/DATA BUYER/RECEIVABLES PURCHASER pursuant to 15USC1692a ( XXXX ). EHANCED has intruded into my ( the Consumer 's ) Private Non-Public information which is called IDENTITY THEFT Pursuant to 16CFR603.2 and this is a Felony punishable by law. I ( the Consumer ) want ENHANCED RECOVERY to divulge information from the person or persons who shared private information with them first who, what, where, and why they are using my information to publically humiliate the Consumer. I ( the Consumer ) has successfully disputed this information because within five ( 5 ) days ENHANCED RECOVERY did not provide loan level documentation containing what the Consumer has requested. The statutes of limitations are up for ENHANCED RECOVERY. XXXX v XXXX, XXXX, XXXX, XXXX. an Amicus Brief covered this FDCPA Fair Debt Collection Practices Act. Specifically XXXX v. XXXX, XXXX, XXXX XXXX XXXX, XXXX. 
The CONSUMER wants ENHANCED RECOVERY TO CEASE AND DESIST COLLECTING ON SOMETHING THAT THE CONSUMER does n't have knowledge of or want to. This illegal behavior is being claimed by the Consumer to the Federal Bureau of Investigation Criminal Division for divulging this information as quickly as possible. PLEASE CEASE AND DESIST this dangerous behavior. 
The Consumer has needs to purchase personal, family, and household needs but is hindered from obtaining such because ENHANCED RECOVERY says she owes them money and according to the LIBEL CODE Article 42 which was signed into law on XXXX XXXX, 2016, you do not have authority to make the Consumer work for you and pay you money on something that you do not have a signed contract on. 
They have harmed the Consumers purchasing power which is the natural person pursuant to the ( FDCPA ) Fair Debt Collection Practices Act 15USC1692c, d, e, f, g, and j respectively. I ( the Consumer ) am not in COMMERCE. 
Pursuant to 15USC1692k I ( the Consumer ) has invoked her private right of action and wants this bad situation to go away as soon as possible. CEASE AND DESIST. Regards XXXX XXXX XXXX Consumer

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 10-03-2017 about Debt collection (I do not know) with Resurgent Capital Services L.P. (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: I received a letter from LVNV funding stating that they had purchased a debt from XXXX. I told them I have never heard of such a debt. The first time they called and I stated I would like them to " Cease and desist '' as I had no idea what this was. 

The second time they called, they asked if I had received the notice they sent. I stated I had no knowledge of the debt. The lady then asked if I would like to resolve the debt or if I would like her to " put a lien on everything I own ''. At that point I hung up

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (MO).
Issue: Settlement process and costs

Complaint: To whom it may concern, I 'm filing a complaint against Nationstar mortgage due to failure to record my permanent loan modification with XXXX County Recorder. 
On multiple occasions we have spoken with various agents of Nationstar in regards to requests for recording our fully executed agreement with XXXX County Recorder on the following dates, XXXX XXXX, 2016, XXXX XXXX, 2016, XXXX XXXX, 2016 and XXXX XXXX, 2016. Nationstar mortgage, has refused to oblige our demands and we are seeking assistance with this matter. Per Real Estate Settlement Procedures Act - RESPA. It is essential for Nationstar mortgage and the respective investor to complete this obligation following changes to my original loan. I have contacted XXXX County Recorder, located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX, XXXX and they have informed me as of XXXX XXXX, 2016 that no such contact has been made to their office with respect to our constant requests. In fact the county recorded office advised me that the financial institution will need to provide an original wet ink signature of the executed modification in order for them to update their records with changes to my original loan.

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2017 about Debt collection (Payday loan debt) with National Credit Adjusters, LLC (AZ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XX/XX/XXXX : I attained a line of credit loan through XXXX XXXX XXXX. The representative assured me that it was different from a payday loan. I asked specific questions regarding payments..ie " When will it be paid off by making the monthly payment '' I was told by XX/XX/XXXX. I asked about interest rates and was told they were not nearly as high, compared to payday loans. The gentleman was charismatic and lead me to believe the lie. I made 4 payments of around {$200.00} a month. In XXXX I looked at my account and noticed the balance was going up. I contacted XXXX XXXX XXXX and was informed of the 246 % interest rate. I was livid given the original conversation lead me to believe otherwise. I asked the representative to please listen to the recorded message in XX/XX/XXXX. Was told there was no need, since I signed the contract. I told them that they had received enough of my money and practiced predatory and illegal methods to attain the loan account and would not pay them anymore, until they would listen to the recorded phone conversation. They repeatedly attempted contact me and I refused to talk to them. 

Today XX/XX/XXXX : I received a phone call from National Credit Adjusters attempting to collect a debt from XXXX XXXX, I explained my history with them and told the representative that I will contact XXXX XXXX directly to get something resolved. 

I contacted XXXX XXXX and spoke with XXXX. I went through the entire story ( explained above ) and requested once again to listen to the conversation in XXXX Again, I was told that they would n't because they have a signed contract.

Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2016 about Debt collection (I do not know) with STONELEIGH RECOVERY ASSOCIATES, LLC (AZ).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: The debt collector has been leaving voicemails with a person I know stating they are calling to collect a debt. This person called them back to let them know they had the wrong number and they continued to harass him, asking personal questions about him and myself.

Company response to consumer: Closed with non-monetary relief