milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/19/2016 about Debt collection (Medical) with George Gusses Co., L.P.A. (MD).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I received a debt settlement letter from a collection agency for a medical bill. The last day to pay the settlement amount is on XXXX/XXXX/2016 ; today is XXXX/XXXX/2016. I called today to pay the debt in full, but was told that the bill was sent to their attorney 's office and the collection agency could not talk to me or receive a payment from me. I was told that if the collection agency spoke with me, that it would be against the law. The letter mailed did not mention anything about the account being sent to an attorney 's office, if contact was not made. I tried to inform the collection agency about the settlement letter received, but again I was told that they could not talk to me. I then spoke to someone in their attorney 's office and was told that the settlement offer ( which expires tomorrow ) will not be honored because the bill was now in the attorney 's office. I was told to call back on XXXX/XXXX/2016 at noon and the supervisor ( who was not in at the time of my call ) will make a decision whether to honor the settlement price, which was unlikely. I even faxed a copy of the settlement letter as proof, because the attorney 's office did not have it.

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2018 about Debt collection (Other debt) with Convergent Resources, Inc. (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: XXXX XXXX is attempting to collect on a debt that they are aware is over 10 years old. I've notified them that the debt is old and it should be removed from my credit report. They told me " they don't report to the credit bureaus '', which as I understand is a very old tactic. I asked for proof of the debt, which they sent, and confirmed that it was old and should not be reported on my credit. I again requested that they remove the debt from my credit report. They have not complied and are telling me that the debt is still valid when they were never holders of the debt and the utility company is no longer collecting on the debt, as it has aged out of their system.

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 11/24/2015 about Credit card () with AMERICAN EXPRESS COMPANY (FL).
Issue: Advertising and marketing

Complaint: I responded to American Express Delta card invitation and I meet there requirement but they refuse to award me the promotional which XXXX XXXX miles and {$50.00} credit to my account when I spent {$2000.00} in the first XXXX months and buying a air line ticket on Delta XXXX lines. 
I spoke with CS several times and proise me soon will be corrected but nothing done I talked with XXXX a supervise and said will take a month to be corrected I waited a 45 days I called again and she dined that she was going to work on and fixed and said you revived this promotion before and nothing she can do. 
I had American Express Delta before but I lost it and closed the account seral month later they send me several invasions again so I applied and meet all requrement but now thy saying no. 
My question is why thy send me invitations when they no I am not qualified why they did not reject my application.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2015 about Credit reporting () with Experian Information Solutions Inc. (WV).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: There are XXXX late payments noted on my report with Experian, from XXXX, from XXXX XXXX, as up to day in XXXX XXXX. I tried disputing this with Experian with no resolution. XXXX negative/late payment reports ( 30 days ) are NOT correct. I was current with XXXX during that time, and all times prior/since.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2017 about Debt collection (Other debt) with CL HOLDINGS LLC (MD).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On or about XXXX, 2015 Jefferson System Capital and XXXX are both collecting for the dame debt. I do not owe what they are claiming and I have requested information on numerous occasions and have never been provided with supporting information for the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/31/2017 about Debt collection (Credit card) with Patenaude & Felix APC (CA).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: On XX/XX/2017 I received a letter and a copy of an " Association of Council '' from the Law Offices of Patenaude & Felix A.P.C. informing me that they were representing XXXX against me. My account is current and I have never been late. I called XXXX and they informed me that they have not assigned this " law firm '' to represent them against me and asked me to fax over the letter I received because they had no knowledge of it. I have read several reviews of this company stealing money from people via getting judgements to collect on erroneous debts and illegally garnishing paychecks and bank accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have two issues. First, Equifax has been informed that my information was posted online and that people are applying for credit under my name. There have been numerous inquiries to XXXX. I want Equifax to remove these inquiries because they are fraudulent and unauthorized. I have not initiated ANY credit inquiry in the last 2 years. Any inquiry in the last 2 years is FRAUD Second, Equifax refuses to remove the XXXX account when I have documentation from the school that it should be removed. It 's been very damaging to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with WORLD ACCEPTANCE CORPORATION (TN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I knew i was late, i called and talked to a girl there, she first started telling me in a very loud voice about not having a grace period which i replied I know and i always pay the later fees. I also told her to inform XXXX to quit calling me at work, and that I ca n't always answer my cell phone at work but I do call them back. XXXX has repeatedly called at my work leaving messages on the company voice mail. He even left XXXX on a Saturday when he was told again not to call here.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2018 about Debt collection (Medical debt) with Grant & Weber (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: After I've made the total balance due amount of {$4200.00} to the creditor, Grant & Weber is still posting {$1800.00} as an collection charge on my XXXX credit report and deny my dispute in multiple times.

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 05-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I dispute these Items in the month  XXXX  Experian did not compile with the State Attorney General Settlement Agreement and  609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : I have the right to demand that you disclose to me all of the   documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under   S
ection 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. According Section 15 U.S. Code 1681d - Disclosure of investigative consumer reports ( b   ) Disclosure on request of nature and scope of i  nvestigation Any person who procures or causes to be prepared an investigative consumer report on any consumer shall, upon written request made by
the consumer within a reasonable period of time after the receipt by him of the disclosure required by subsection ( a ) ( 1 ), make a complete and accurate disclosure of the nature and scope of the investigation requested. This disclosure shall be made in a writing mailed, or otherwise delivered, to the consumer not later than five days after the date on which the request for such disclosure was    received from the consumer or such report was first requested, whichever is the later. The description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provide within 5 days of the completion of your reinvestigation

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 07/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
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: Saw that there was an account I did n't recognize when I reviewed my credit report. XXXX? I sent them a request for validation to prove it was mine because I do n't recognize them. They never answered. I sent it registered - I have proof they received my letter. However they never sent me a reply - after 30 days I sent the original letter as well as my proof of delivery over to XXXX, experian, and XXXX. They should delete this as this is not my debt. They say they have investigated and that it is mine. But how is that XXXX has listed a debt, they wont send me any information, how in the world can the agencies validate it? This debt is not mine, and if they can not provide me documentation proving this debt is mine, it needs to be deleted immediately by experian, XXXX, and XXXX. I am very frustrated and the inability to resolve this. Perhaps I should hire a lawyer. I will attach documents

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 05/19/2015 about Debt collection (Medical) with United Collection Bureau, Inc. (OH).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: XXXX XXXX ( Pain management clinic ) gave United Collection Bureau based out of XXXX, Ohio a copy of my medical records, that includes my medical diagnosis, treatment plan, and health insurance information, including my health insurance policy number, group number, and the amount paid to my insurance company. I feel that this is a violation of the XXXX act. I know third party collection agencies can contact doctors, or hospital 's to obtain information in relation to collecting a debt, but I also know they are not allowed to obtain my personal account information, such as the ones described above. I want to know why United Collection Bureau needs to have a copy of my health insurance information including my policy and group numbers and the amount that was billed? i know the information is used to collect a debt, but I was not notified by my pain clinic, that amount was due. So I did n't get ample time to rectify the situation. I feel that United Collections Bureau, does NOT need to know my personal health insurance information policy number and group number, to obtain the amount of debt that I owe. The first time they phoned my house it was a human that tried to sound like a robo-call. Whoever was doing it, does n't realize that I have a voice mail and screen my phone calls, so she was leaving the robo-call message on my voice mail and not actually speaking to myself in person.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2017 about Mortgage (Conventional fixed mortgage) with 21ST MORTGAGE CORP. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I am submitting this written complaint regarding the recent 30 day late payment notice that was reported, by 21st Mortgage Corporation ( 21st ), regarding my Account # XXXX, to XXXX XXXX, XXXX and XXXX ( the Bureaus ) for the month of XXXX, XXXX. In the early part of XXXX, I contacted 21st to let them know that I was currently under contract, with a local Builder, to sell the respected property. My contact was XXXX XXXX ; I informed XXXX that it was a cash transaction and that closing was scheduled for the third week of XXXX. In late XXXX, I informed XXXX that the closing was moved to the third week of XXXX. During this discussion, it was agreed that if closing did not go through as planned, as long as I kept 21st updated and made the XXXX payment by XXXX XXXX, everything would be okay since I had a five year perfect payment history. XXXX also congratulated me on the sale of the property. As luck would have it, the closing did not take place in XXXX. As discussed, I made the XXXX payment on XXXX XXXX. As a result XXXX, immediately ignored the verbal agreement and my perfect past payment history and reported the payment 30 days late. The closing/sale of the property is taking place today, XXXX XXXX, XXXX and the balance will be paid in full. I am in the process of closing on the purchase of a new home on XXXX XXXX, XXXX. As a result of 21st reporting the 30 day late, my credit score dropped XXXX points to a mid-score of XXXX ; worse yet, I have a 30 day late payment, on a mortgage, within the last 12 months. This fatal reporting of the 30 day late has pushed my credit score, credit history from a " XXXX XXXX '' status to a " Refer '' ( Non-Approved ) status and I am no longer approved for the mortgage on the new home. I feel mislead by 21st and I am requesting that, in lieu of the circumstances surrounding the late payment and my perfect pay history during the five year term of the loan, the 30 day late payment was reported in error and that 21st remove it from my credit report to the Bureaus. I would like written confirmation that 21st will report this immediately and that they will be willing to orally confirm this, as well, with all Bureaus and Credit Technology, upon request. The closing on my new house is in XXXX ; if I do not receive compliance immediately from 21st, I will lose the home, possibly be without a home and will suffer substantial financial consequences. If 21st is not willing to immediately comply with this request, I will file a written complaint with the CFBP today.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2016 about Consumer Loan (Installment loan) with Conn's, Inc. (TX).
Issue: Managing the loan or lease

Complaint: I made a payment on my Conns account XXXX XXXX, 2016. They applied it to the wrong account. The missed a number in the account number. I have sent the receipt to them several times, I have talked to them on the phone regarding this payment about 50 times now. They still do n't have it fixed. They have added several late fees on my account. I had a cash option til XXXX/XXXX/16 which has been taken off due to late payment. They have put it on my credit that I have a missed payment. I have made all my payments on time and every time that I talk to them they issue a problem ticket to the department to fix this. No one that I talk to can fix this and they wont let talk to them. I need this to be fixed and I do n't know what else I can do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (GA).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: American Express has frozen my Membership Rewards for more than 3 months since late XX/XX/XXXX, in  which I lose the ability to transfer the Rewards to their airline partners. In the period, I have contacted them multiple times, including most recent on XX/XX/XXXX ( XXXX XXXX ). Each time the Membership Rewards customer representative simply reiterated that the account is under review by the Corporate team and it could take few weeks to be finalized. When I asked a specific time frame for the issue to be resolved, they indicated that they can not do anything about it and all I can do is to wait. The customer representative also mentioned that there is no communication available to reach the Corporate team, not only for customer but also for the Rewards program agents.

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. (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I demand the following accounts be verified or removed immediately. XXXX XXXX XXXX : I have never paid late this account XXXX XXXX XXXX : I have never paid late this account XXXX XXXX XXXX XXXX XXXX : Unverified account XXXX XXXX ACCOUNT NUMBER XXXX : Unverified account

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 12/16/2016 about Mortgage (Home equity loan or line of credit) with Seterus, Inc. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: SETERUS GROUP IS GUILTY OF LOAN FRAUD, LOAN SERVICE FRAUD, LOAN MODIFICATION FRAUD AND ILLEGALLY CLAIMING TO BE THE FEDERAL GOVERNMENT. THEY ARE ACTIVELY ENGAGED IN DECEPTION AND THEY ACTIVELY WITHOLD INFORMATION FROM CUSTOMERS. 

WE HAVE HAD A MORTGAGE NIGHTMARE DEALING WITH THIS XXXX MORTGAGE FRAUD THAT THEY ASSUMED. 

CUSTOMER SERVICE HAS BEEN XXXX. EVERY EMPLOYEE FROM THE SUPERVISOR DOWN LIES TO THE CLIENTS ABOUT WHO OWNS THE MORTGAGE. 

THIS " : WE ARE FANNIE MAE '' SCRIPT IS COMMON IN THE MORTGAGE INDUSTRY. 

THEY ARE ALSO ENGAGED IN LOAN MODIFICATION FRAUD, PRETENDING TO HELP WHILE INTENTIONALLY BEING UNRESPONSIVE.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2016 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (DC).
Issue: Loan servicing, payments, escrow account

Complaint: Called to get loan payoff information so I could sell the house, refused because the number I wanted it faxed to was an attorney 's office and I was behind on the loan. They were very hostile the entire time, refused to send information I 'm legally entitled to, then hung up on me after nearly an hour of going back and forth answering all their questions.

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2015 about Credit reporting () with EQUIFAX, INC. (WI).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I had a bill for {$160.00} and it was payed off a year ago. It 's still on my credit report. Attached is my receipt proving that the bill was payed. I 'd like this off my credit report asap.

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2015 about Credit card () with JPMORGAN CHASE & CO. (WA).
Issue: Closing/Cancelling account

Complaint: XXXX sent me an email informing me of a past due account that is effecting my credit score very negatively and Im asking that it be removed due to the following. 
The account in dispute belonged to someone else. 
I was an authorized user for this person due to the fact that he is a XXXX veteran/XXXX, and often times his health prevented him from running errands, grocery shopping, and banking. 
He filed chapter XXXX, and it was final XXXX 2014.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am a victim of Identity Theft I sent Experian an I D Theft report and they have not responded to me in in over 60 days this is beyond the FCRA allotted time frame. Experian is also reporting the same account ( XXXX XXXX XXXX ) XXXX under XXXX different account numbers

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 05/13/2015 about Debt collection (Credit card) with Rushmore Service Center, LLC (AL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I received a letter from XXXX Center about a debt. It was original XXXX, In Which I did have a card. When I called XXXX center, to get an explanation of the debt and how did they arrive at that amount I was told they did n't have the information. How can someone asked me to pay a debt but ca n't explain to me how they arrived at that balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2017 about Debt collection (Other debt) with FAIR COLLECTIONS & OUTSOURCING, INC. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Fair Collections & Outsourcing Inc. advised me that they do not delete debts and I understand that I did not sign a contract with them for this debt that was owed to XXXX XXXX XXXX XXXX account XXXX. This debt was settled and paid, but has been causing my credit score to be low. I was not aware of my consumer rights for accounts that were sold to debt collection agencies. Since I did n't have a contract signed with Fair Collections & Outsourcing, this debt should not be reported because I also have no payment history established with them. I would like this to be deleted from XXXX and XXXX. The date this was recorded as paid was XXXX/XXXX/2015.

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