milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-05-2017 about Debt collection (Medical debt) with Medical Data Systems, Inc. (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: As I gathered information to give to the STATE 'S ATTORNEY GENERAL. I did a search for MEDICAL DATA SYSTEMS license. I have found they are in direct violation of  TENNESSE FAIR DEBT COLLECTION PRACTICES ACT 62-20-101. MEDICAL DATA SYSTEMS does not have a license in the state of TENNESSEE. They can not collect on a debt. TENNESSE FAIR DEBT COLLECTION PRACTICES ACT 62-20-105 states no person shall commence, conduct or operate any collection service business in this state unless such person holds a valid collection service license issued by the board under this chapter, or prior stat law. TENNE  SSE FAIR DEBT COLLECTION PRACTICES ACT 62-20-108 ( a ) ( 1 ) Every collection service shall have, for each location at which it conducts business a location manager  who has submitted an application on a form prescribed by the board.  TENNESSE FAIR DEBT COLLECTION PRACTICES ACT 62-20-123  states a willful violation of this chapter, or any rule lawfully promulgated thereunder, is a Class C misdemeanor.  MEDICAL DATA  SYSTEMS is in direct violation. This will be the last communication I send before sending my evidence to the STATE 'S ATTORNEY GENERAL OFFICE.

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 08/15/2016 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (MD).
Issue: Deposits and withdrawals

Complaint: I have a joint account with my son and a sole account at SunTrust bank. My son recently moved to XXXX and started a job with a company he found on the website XXXX. It turns out the company was impersonating a real company without our knowledge. They sent him a check for {$6900.00} and told him to deposit the check, which he did. They then told him to withdraw the money the next day and deposit into a XXXX XXXX XXXX account so that the software engineer of the company could purchase the hardware and software that my son would need for his job. We became suspicious when they sent him a second check. We filed a claim with SunTrust Fraud and he also went to the XXXX police and filed a claim. This happened on XXXX/XXXX/2016. I called SunTrust Fraud 4 times and never received any information as to what was going on. They never contacted me or my son. After sometime we were told that our joint account was no longer frozen and that he could use his ATM card. On XXXX/XXXX/2016 I received my bank statement for my sole checking account and SunTrust without notifying me took {$6900.00} out of my account to cover the fraudulent check. I have repeated contacted them to ask to have my money restored. They are protecting themselves but their customers. I feel that I have been victimized and I am being penalized for a fraudulent transaction. Where are the laws that protect the innocent consumer? SunTrust and the police should be going after whoever sent my son the bad check, they are the ones responsible.

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 05/13/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (WY).
Issue: Loan servicing, payments, escrow account

Complaint: I have repeatedly requested the mortgage be released on a mortgage with Nationstar Mortgage that was paid off XXXX XXXX, 2015. Repeated requests have also been made by the title company and the owners ( XXXX and XXXX XXXX ) of the property.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (FL).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: I opened an American Express Credit card for my business and made a {$40000.00} purchase the first month ( XXXX, 2017 ). I am supposed to get one point in the Memberships Rewards Program for every purchase made. These XXXX points were never credited. I checked today, to use the points to get airline tickets, and noted the lack. The company refused to instate the points.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/28/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (MD).
Issue: Trouble during payment process

Complaint: Good morning Our home is located at  XXXX   XXXX   XXXX .  XXXX  The loan was transferred from  XXXX   XXXX   XXXX   XXXX  to  Litton then To Ocwen. This  was not documented in the Court.   During the Transfer the Incorrect amout was documented.   We have asked  Ocwen for the correct amount that was Transferred And they wo n't respond. Ocwen did not attend the Chapter   XXXX  Hearings in  XXXX . They did not start enforcing the amount until  XXXX . We questioned the  Statute  of Limitations for collection of The debt, they would n't respond. I have been in  XXXX   XXXX  for 25 years. I have never done anything wrong. I have been in my Home for 20 years and would like to remain in it but would n't Like these issues satisfied. I am in  XXXX    XXXX   and will not have An income until  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Trans Union is not responding to my request to investigate and remove some accounts from my credit report that do not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2016 about Credit reporting () with Experian Information Solutions Inc. (WA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have multiple issues on my Experian Credit report. We have sent 6+ letters asking them to correct issues. They claim that they have verified certain accounts as mine. I have asked for proof of method of verification and who they spoke to 4+ times. This is required under 15 US 1681 6 ( 3 ). The refuse to provide the information claiming my request is frivolous and they will not correct my report. I also have several items not reported and reported incorrectly. As a result I have been denied credit on several occasions

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 04/16/2016 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have made numerous calls and sent numerous faxes to Equifax. The faxes contained a cover sheet with Name, Address, SSN, D.O.B., File #, email address, and the reason for the fax, which is to remove from credit file. The fax also contained a letter on company letterhead, my name, date, acct #, and in the body of letter, info stating this account was no longer with this company ( XXXX XXXX ) and has been deleted from their files. But, no matter how many reps I spoke with ( over XXXX ) or how many faxes I sent, they still would not remove, this collection from my file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-07-2016 about Prepaid card (General purpose card) with AMERICAN EXPRESS COMPANY (NJ).
Issue: Unauthorized transactions/trans. issues

Complaint: I was getting ready to travel to the XXXX for work and was told best thing to do was to get a prepaid card to travel with I then got an American Express serve card. Money was then deposited into account. I started receiving emails about transactions being made went online and ATM card was used a total of XXXX dollars gone. I called immediately and reported this I was told I would not be responsible for the charges and would be issued a credit within XXXX7 days of investigation within XXXX3 days I received an email stating my dispute was declined I was in XXXX with no funds and no help. I 'm not sure what type of investigation was done that fast. I then went online to look into reviews on this card and nothing but negative reviews. I will never use this card again and to be stuck in a foreign country with no help was the worst feeling

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2016 about Mortgage (FHA mortgage) with U.S. BANCORP (TN).
Issue: Loan modification,collection,foreclosure

Complaint: This is the second complaint of XX/XX/XXXX. My complaint is on US Bank, we have been trying for over two years now to file for modification. We were given one modification XX/XX/XXXX and we paid two full months of the modification. The bank cancels our modification, through their own miscommunication, which they admitted. We have been applying for a second modification since XX/XX/XXXX, our house is now in foreclosure with the sale date of XXXX XXXX at XXXX XXXX XXXX. Since XX/XX/XXXX we have had a total of XXXX different case managers, with this foreclosure the bank is stated that we have made no payments which is incorrect we did pay the two modification payments before they made a huge mistake, we can not get in touch with the case manager we have been ohoning as much as two and three times a day with no returning phone calls. We get information from XXXX different areas of US Bank the obvious of one hand not knowing what the other is doing. We fell on hardship in XX/XX/XXXX, my husband has complied to every article of information as needed. Repeatedly over and over enduring each new case manager. I have now filed a complaint with the XXXX for the concussion syndrome for my husband. We obviously want to keep our home, we have had this battle since XX/XX/XXXX. For the pain and anguish that we are enduring is there not a statue of limitations on this abuse? The bank is admitted to making several mistakes, The bank has applied the wrong amount of money to the simple principle there are countless errors which are all stated in my previous complaints. I will keep filing complaints with you because of US Bank the consistent abuse is published over and over and there has been no retribution for the homeowners trying to save their home. 
I have researched all the rules all the manner in which the time limits that the bank is supposed to comply to. Now the bank wants to make us look as if we have done nothing and all we have done is comply to every thing they have ordered us to do. The banks irresponsible actions should have a time limit to protect us from having to endure this foreclosure we need your help. This is a classic case of abuse U.S. Bank the negligence the inconsistent information, The undoubtedly replacing of employees should show a huge reason for the injustice that U.S. Bank is serving on us. I have contacted you, my Congressman and my governor and I 'm going to go the route again because this abuse is not fair to us who are trying to save our home. Please help, our case is exactly why this bureau was created and we truly need to see that it does stand for justice. Plus having to deal with all of the creepy companies stating that they can help you for money. Because all of this is published everywhere for anyone to find, and all we have done is comply to every request placed on us by the 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 10/13/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Account opening, closing, or management

Complaint: my bank account was closed, and left me with debt, after a few attempts to steal my identity and was harassed constantly by a company called XXXX, and also a XXXX. 
my credit card and bank card were both stolen from me. I filed a frud claim, but was never responded to.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2017 about Student loan (Federal student loan servicing) with J & B Endeavors, LLC (OH).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I found a link to " XXXX XXXX XXXX '' via an advertisement on XXXX and applied to receive information. However after going through with their consultant that " did n't know where the exclamation point was on the keyboard '' and who also provided contradicting statements I back tracked and made sure to prevent them from having access to any of my accounts. Upon doing so I saw they had changed my contact information without my consent and I was sure to inform my loan holder of the situation so that they could provide a blockage of any third-party organizations. They still continue to contact me and I 've made sure not to converse unless I can gain metadata of our conversations via email.

Company response to consumer: Untimely response
Consumer complaint received 09-03-2016 about Debt collection (Non-federal student loan) with Navient Solutions, LLC. (NC).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I graduated college and decided to apply for XXXX as a XXXX. I contacted all parties involved in my Student loans and after months of communication and paperwork my loans were deferred and I entered the XXXX XXXX and served in XXXX. The XXXX XXXX has all paperwork that XXXX XXXX and Navient requested. While overseas I was being constantly harassed by Navient stating I needed to make payments. Before leaving I ( borrower ) made sure all was taken care of and covered because I knew I had very little to no communication abilities due to remote locations. Hence the reason I made prior arrangements. My cosigner attempted to resolve matters but one person would say they can not help without my permission and another would tell him appropriate paperwork needed to be done. So payment arrangement were set until borrower could make contact. Then had issues with Navient taking more out of bank account than agreed upon so account was closed after I believe 3 payments but for six months following Navient continued to access account then report payment returned. Reporting nonpayment. Navient notified again borrower who was oversees and deferment arrangements were in place according to XXXX XXXX XXXX. Since returning to United States I set up a payment plan, paid on time and now request another deferment returning to school and unable to continue paying XXXX a month requested different arrangements and told I ca n't only option was apply for a hardship. Rep stated my account would reflect my intentions. Today XXXX/XXXX/16 I received another harassing and threatening call that my account is in default and will be turned over to collections and reported. Yes, I lost my temper because the rep would not allow me to speak just kept threatening. I am so stressed out. I am an XXXX year old who has made all attempts to follow protocol ( adult thing ) by the book. I am in no way skipping out or refusing repayment. Just asking for help. No one at Navient talks except to feed you various stories then have another rep call and contradict previous conversation. When I initially took out my loans with XXXX XXXX I had no issues but since Navient bought my loans I 've had issues since day one. They constantly refuse to work with me, provide me with alternatives or a payment I can afford. Account up to date through XXXX 2016. What else is a young person to do?

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/21/2017 about Debt collection (Mortgage debt) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: Bank of America is trying to Foreclosure on me with fraudulent documents that they knew were fraudulent when they sent them to the lawyer to send the Notice of Default letter. This fraud has been going on for years and they are just continuing the Fraud on a daily basis. They were involved with Countrywide Home Loans before they filed for Bankruptcy because they loaned them money and were just trying to recover their investment and then continued the Fraud that was started by Countrywide to start with. I have enclosed documents that prove without a doubt that this debt is fraudulent because the Lender listed on the NOTE and DEED OF TRUST are fraudulent because they are fictitious and were not licensed as a Mortgage lender in the State of North Carolina where the loan was originated. Since the Lender is fraudulent and does not exist they have no Legal claim to collect on this debt. I have also enclosed a document that gives the details on how this fraud started and the methods that were used to continue it to this day. I have also enclosed two copies of the NOTE on this debt one with a Stamp stating the Lender is fictitious and is signed by a Countrywide Home Loans employee and a second copy of the same NOTE whereby the Stamp has been fraudulently removed either by a Countrywide Home Loan employee or by a Bank of America employee. I request and demand that all collection activity on this debt by Bank of America or any third party that they have employed to collect on this debt cease and desist upon receipt of this complaint and the proof of fraud detailed on the enclosed documents. I ask that they notify me in writing that the Foreclosure sale has been cancelled and dismissed because the documents they are using to collect on this debt are fraudlent and they do not have any legal authority to collect on this debt. I further request that any further collection on this debt by any party be considered a violation of the Fair Debt Collections Practices Act of 1977 and be dealt with according to what the above law states.

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 08-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I contacted XXXX XXXX XXXX in reference to late payments displaying on my credit report. My account was in forbearance during the time the of the " late payments ''. XXXX XXXX XXXX reported to me there would be nothing they could do to change my credit reporting and that I would only be able to have the late payments removed by contacting the credit bureau. Upon contacting Equifax on XXXX XXXX,2017 I  explained to Equifax and provided the letter of forbearance asking that the late payments be removed from my credit report. Equifax refused to remove the late payments. I am desperately attempting to clean up my credit report and since the accounts were in forbearance at this time, the could n't possibly late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XXXX/XXXX/XXXX A Company who calls themselves XXXX XXXX XXXX was allowed to tap into my Consumer Report without my permission. They did an inquiry without my permission. This is Common practice with the XXXX XXXX XXXX without XXXX XXXX. I want these XXXX agencies to Cease and desist reporting my information, without my Consent, They allow anybody to get into my File without my permission. Please take all of this information out as I have asked on several occasions. This identity theft has got to stop. Send me {$100000.00} for this blatant intrusion into my files.

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 11/18/2016 about Mortgage (Conventional fixed mortgage) with Envoy Mortgage Ltd. (DC).
Issue: Loan servicing, payments, escrow account

Complaint: In XX/XX/XXXX I filed a complaint ( case # XXXX XXXX against Envoy Mortgage. The exact same thing happen this year in XX/XX/XXXX. I ( again ) had to call XXXX who indicated Envoy would have received documentation 45 days before the date of expiration of the master HOA policy so there is no reason they need to send me these letters every year. Further, none of the other mortgage holders for units in my building have this problem. So somehow Envoy is doing something that is not industry standard/mandated by the CFPB otherwise why are they they only one harassing the mortgage holder for verifications they have already been sent? Please stop harassing me every year. Please get Envoy to stop sending me harassing letters asking for information XXXX has already sent them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation