milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/23/2015 about Debt collection (Medical) with Medical Data Systems, Inc. (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I received a notice from Medical Revenue Service ( MRS ) on XXXX alleging I owe a debt in the amount of {$530.00}. I submitted a validation/verification of the debt to MRS on XXXX, because I have been a XXXX. They received my request on XXXX via XXXX Certified Mail, disputing the allege debt, advising MRS that I was not the debtor in question. MRS responded to my request of verification/validation on XXXX with an allege bill that I had no knowledge of. I submitted another letter to MRS on XXXX for further verfication/validation which they received on XXXX via XXXX Certified Mail. MRS responded to my XXXX request on XXXX advising me that they are not willing to provide me with any further documents to verify or validate that I am the debtor. They responded with the same allege billing statement they sent on XXXX. I dispute the debt in question and I am not responsible for any portion of the debt that MRS claim I owe. MRS have not and are refusing to verify that I am the debtor and continue to try and collect on an unverified debt. MRS have not proven that the alleged debt is mine, nor have they willing provided me with my request of a ( 1 ) XXXX agreement between me and their client ( 2 ) they have been assigned to collect on the original creditors behalf and ( 3 ) I am the debtor in question. This violates the FCRA and FDCPA, according to the laws of collection practice.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2016 about Bank account or service (Checking account) with REGIONS FINANCIAL CORPORATION (FL).
Issue: Account opening, closing, or management

Complaint: I joined Regions Bank with the promise of {$300.00} after setting up a monthly deposit of {$500.00} and making XXXX purchases with my check card. I met the criteria on XXXX/XXXX/15 and the bank had 120 days to to honor the promotion. I asked a manager to look into it, and she said she would call me on the XXXX or XXXX of XXXX as to when I would receive the funds ... no response yet. I have a friend who joined also at the same time and has not received her money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (WI).
Issue: Deposits and withdrawals

Complaint: I recently deposited a {$7000.00} check into my account at Chase bank, this is something that I have done in years past. I have now been told that this is unusual activity and have froze me out of my account entirely. They are now asking for me to speak with the maker of the check which is not a possibility because the maker of the check is XXXX and does not have a car to get to a branch. I have spent 6 hours on the phone with chase trying to resolve this issue and I have been lied to on several occasions by being told that Chase calls the maker of every single check written and deposited into a chase account. I have been labeled as a criminal, and accused of fraud and I am tired of being harassed and lied to by chase. I have shown them check images of previous deposits, and that was not enough to show that this was not an unusual activity. After several phone calls with chase we were told that a notarized letter would work to verify that the maker of the check wrote the check, while writing this complaint right now the joint holder of the account is on the phone with chase and now they are saying that a notarized letter will not suffice to un-restrict the account, so yet again I have been lied to by chase. This is completely unacceptable and I am sick and tired of being lied to. I also received a direct deposit put into that account and now Chase is holding my paycheck from me and will not let me access my paycheck. I have had enough of chase and this is unacceptable. No one should ever bank with chase they illegally hold your paycheck, and they will lie to you and hold onto your money with no reason and close your account with no notice. Oh and if they do not receive information that they " require '' which is not required by law, they will steal your money and not allow you access to money that you have earned on your paycheck. NEVER USE CHASE they will swindle you out of your money.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2017 about Debt collection (Medical debt) with Receivables Performance Management, LLC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This collection is my they called m y one time a nd confirmed, That collection belong to my father I do n't know how they got my information no body knows my social security they are stilling my identity they obtained my personal information without my consent.

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 05/20/2016 about Consumer Loan (Installment loan) with BlueChip Financial (LA).
Issue: Problems when you are unable to pay

Complaint: They took out {$150.00} on XXXX different occasions without my consent.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (DC).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I am currently paying back federal student loans held by AES ( aessuccess.org ). I have been enrolled in their auto repayment program for years, where my monthly payment is automatically extracted from my checking account. I received a call from them earlier today, XX/XX/2016. The voicemail left by the caller was just silence, but after researching the number I was able to determine the caller was AES. 

After logging into my AES account, I saw a note that one of my loans is delinquent. Even though I 've been enrolled in their automatic repayment program, due to some reason they decided not to process my payment, and mark my account as delinquent. Nothing has changed with my checking account. There are n't any issues regarding a lack of funds available in the account. My other student loans that are held by XXXX XXXX are also enrolled in automatic payments, and those payments were processed successfully.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-01-2017 about Debt collection (Credit card debt) with BARCLAYS BANK DELAWARE (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a debt collection letter from   XXXX   XXXX   XXXX    XXXX   XXXX   on behalf of Barclays Bank Delaware. The amount is {$3100.00} and their account #  XXXX . They also filed a lawsuit against me ( case #  XXXX  ) I called the Law Firm and I spoke in the to   XXXX   XXXX   I informed her that I 've never done business with this bank. I was asked for my last 4 digits of my SSN.   XXXX   XXXX   XXXX   told me that that my SSN in the account does n't match the last four of my SSN.
At that point I tough that the it was the end of it but that did n't happen. They keep sending letter and sending collector to my house.
I need this to stop.
I sent them copy of the   XXXX   major credit reporting agencies with (  XXXX ,   XXXX   XXXX  ,  XXXX  ) that shows that I have no outstanding, late payment or collection in my credit report. I sent a copy of my  XXXX , A copy of my military service connect   XXXX    payment so they can corroborated the last 4 of my SSN.
I also told them that to perform my duties at my job I needed a security clearance and my last SC was Finnish in  XXXX /2016 flying colors. All this info and they still coming after me for something I do n't owe.

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 04-10-2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: On my Equifax Credit Report, Under Account Details for XXXX, it shows Customer Deceased. I have called in the Past and Spoke with XXXX different Customer Services Representatives at Equifax, who ensured me that error was corrected at the time but as a today still shows the same error. I ca n't get my credit scores neither apply for anything because they denied me for that error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I initiated the dispute process only to have the reporting time on the items in dispute reset and now listed as " on record '' until  XXXX . This is on some items first incorrectly reported in  XXXX . To top it off the report of the results provided by the credit reporting agency does n't provide a clear and concise description of the findings. Or what changes were made to my report if any. They do n't show me what the details were and what was changed.

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 04-05-2015 about Credit reporting () with Experian Information Solutions Inc. (OK).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Experian claimed they had removed all of these fraudulent inquiries but again despite sending the an inordinate amount of law enforcement affidavits they have done nothing. I still have them stuck on my report, I continue to provide them the accurate information. I pay a sacrifice to this country by entering the military to support what? A group of individuals that think they can break XXXX XXXX XXXX? This is not what i fought for, to defend the rights of corporations like this to take advantage of ex-military. XXXX, some of these inquiries are anti-logic. For example the XXXX account, which was included in the report should have been blocked as officer XXXX and XXXX said. As it was entered into the DOJs Sentinel. XXXX, XXXX did not pull my report XXXX Times in a row. They have been adamant they have never done that and asked Experian to mask them. 

Experian Has yet to respond to anything I send, nor even to the CFPB.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2017 about Credit card () with U.S. BANCORP (GA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Account wit h US Ban k received numerous charges from   XXXX     XXXX  ma. None of these charges were initiated by me or anyone in my family. I disputed all of these charges w  ith US Bank, and all were credited back to my account. Once charges were all credited back, I initiated to have previous card cancelled and new card issued.
Most recently, US Bank reversed one of these credits   for {$50.00}. The fraudulent charge occurred on  XXXX / XXXX /  XXXX   ; I disputed it and was credited on  XXXX / XXXX /  XXXX   ; US Bank reversed the credit on  XXXX / XXXX /  XXXX  .      XXXX  is a website hosting business to best of my knowledge from web searches I have done. I see a lot of fraudulent charges from this company when I search. I have no way or desire to interface with  XXXX  as these charges are fraudulent.     I have not activated replacement cards received from  US Bank pending resolution of this issue. Once this issue is resolved, my intent is to cancel this account based on poor customer service from US Bank .

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 07/15/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Friendly foot care submitted payment to the wrong insurance and XXXX XXXX of payment crossed in dates that were during a chsngebin insurance company 's and coverage. The date of services I was on indiana XXXX. I got married and then changed my insurance to my husband 's. They billed the new insurance then we 're denied because no coverage for the date of service. XXXX was bill led for this and denied due to the dates billed for services. Th I bill should not have happened I had insurance through XXXXvwhen this service was provided. I did try to explain to XXXX and the collections that this was not my responsibility but they continued to collections.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2017 about Debt collection (Other debt) with The CBE Group, Inc. (MD).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX is attempting to collect a balance that is incorrect. Consumer will state further details after receiving a response from the company.

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 12/20/2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I disputed several medical collections in my credit file with all XXXX CRA 's. Once the investigation was completed and " verified '' I contacted the CA directly. To make a long story short, there was an issue with my particular insurance company so the accounts would be removed from my credit file. I sent in a copy of an email that I received from the CA to the CRA 's. They verified that they did receive the email. I was told that was not enough for them to remove the accounts ( the email had the senders ( CA Supervisor ) contact information, phone, email and fax number. All they had to do was call them. Once I received the actual deletion letters from the CA 's, I sent in the copy 's to the CRA 's ( all on company letterhead ). I called and verified that they did receive the letters. Still the accounts are in my credit file. I am trying to get a mortgage. Since sending the request to deleted the interest rates have increased and who knows whether the rates will increase again by the time they remove theses items. I informed the reps of this. I do n't understand why, if you have letters from the creditor saying delete the accounts, why it 's taking nearly a month to get them removed? I am still waiting ... ...

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/22/2016 about Credit card () with CITIBANK, N.A. (TN).
Issue: Billing disputes

Complaint: In XX/XX/XXXX I opened a Macy 's XXXX card at the recommendation of a sales person even though I had a Macy 's Credit Card. When my bill of approximately {$410.00} was paid in full as I do monthly with all charge card through my online bank payment service, the funds were inadvertently sent to the Macy Credit Card address rather than the new XXXX address. Since that time I have spoken monthly to representatives from both Macy 's Credit Card and XXXX to try to get the money to be credited to the XXXX. Each time I have been assured that it would take a month but it would be resolved. At some point in this XXXX process. The money was moved to the XXXX but then Macy 's Credit Card began calling saying I had a bill of the same amount. I have had service charges of over {$600.00} and those were removed with the promise of having the funds I paid applied to the XXXX Now it appears that Macy has XXXX the {$400.00} charge back to the XXXX card. I DO NOT intend to repay a bill that was paid because of your inability to apply it to the correct account. I have talked to both companies for 9 months and they admit the error and assure me it will be fixed but then it reappears. I do n't want my credit ruined because of their errors. By the way, when trying to submit a complaint on Macy 's website, my submission gets rejected because of " special characters. '' There are no special characters since I only submitted what I 'm submitting here so you should tell them or penalize them for this anti-consumer behavior. There is only XXXX choice of the company but my problem involves both Macy 's old credit card and their new Macy 's AMEX card.

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 monetary relief
Consumer complaint received 09/28/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit Services of Oregon, Inc. (OR).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: self employed, hit hard times and mistake in checking account resulted in NSF checks, which after bank fees amounted to {$1700.00}. tried to set up payments, but account was sent to credit services of oregon. after they included all their fees the amount is now {$3500.00} ( I believe outright usury ) anyhow they continue once a year to garnish the checking account, but this year they hit it twice within 4 months. I called to try to set up payments, {$25.00} a month, using the company debit card and was told there would be a {$15.00} to {$25.00} fee for using the card. We want to make this go away, but ca n't seem to get ahead Help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MD).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: While attending undergrad I obtained federal and private student loans. My federal loans are under control thanks to the program available such as income based repayment plans. Although, my private loan is putting a strain on my finances. Without a payment plan I would have to pay approximately {$800.00} a month which I DEFINITELY can not afford! As of now I am in a graduated repayment plan option paying {$370.00} a month which increases every year. It is still putting a hardship on my life but it is better than paying {$800.00}. I am not asking for no one to wipe out my loan due to me using the money and I should be held responsible. Although, I am asking for some alternative plans that would help people who are not financially stabled or who have not landed their career job yet. Or even a program to stop ALL interest rates to allow you to pay off what you currently owe. Since graduating in 2010 my private student loans have doubled the amount due to high interest rates. When applying for loans I did not know the difference between a federal or private loan, I did not know about interest rates, I did not know many things, I just know that I was a young adult ( teenager ) just wanting to go to school to " better myself '' and to " land a high paying job ''. My school was XXXX XXXX University in XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2017 about Debt collection (Mortgage debt) with GRYPHON CORP. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: A lien from a company we do n't know anything about ( XXXX XXXX XXXX XXXX ) has been placed. 

***We have paid { everything }, the mortgage, credit cards, etc. 

You could see the attached file.

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2015 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax has an account from XXXX XXXX and XXXX listed on my credit report. I have disputed this with them. I filed a complaint about the reporting company ( XXXX ) and they are not able to locate my account. How can they report this account but can not find me in their system. Sufficient information was provided. I have no knowledge of this account as I have never received any dispute letter as required by the FDCPA. How can Equifax allow a company to post something to my credit report without verification? Equifax has done this to me many times in the past and I have had to secure an attorney to help with this matter. If this is not corrected I will be forced to add this to the list for my attorney. I have attached my complaints with the CFPB where this company states that they can not find me in their system.

Company response to consumer: Closed with explanation