milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/14/2015 about Debt collection (Medical) with Collection Service of Nevada (NV).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX for my, then XXXX yr old daughter XXXX. I have XXXX XXXX XXXX. through the XXXX XXXX XXXX in XXXX Nv. I pre authorized the work on XXXX. The XXXX was done on XX/XX/XXXX. A XXXX later, if there was some problem with the covered amount, they had plenty of time to know. I came to pay it in full after a XXXX months of small pmts. and XXXX XXXX XXXX XXXX 's staff said I owed XXXX I have a written pre auth for {$630.00} So I said they needed to call XXXX XXXX again and straighten this out. It went back and forth, They would say I only owed XXXX then back up to XXXX ... I got a note from XXXX, a office staff person at XXXX XXXX 's, saying that she called XXXX and I and my daughter were fully covered and she resubmitted, that was XX/XX/XXXX ... months later. XXXX XXXX, I got a statement form XXXX XXXX Saying the amount I owed my provider, {$630.00} exactly. I sit here now XX/XX/XXXX, The Collection Service of Nevada has garnished my wages, I make {$XXXX} per hour, and I will have trouble feeding my XXXX children, and making mortgage. I have had this problem with XXXX other dentists in the XXXX area ...??? Is this just how they do business? I ALWAYS have gotten a pre Auth. and always say " Please make sure this procedure is covered to the amount quoted ''. Is that some kind of a joke with dentists? You sign that you will be responsible, Then they do not make sure you are covered to the amount quoted. Knowing full well that you will be on the hook anyway. So when I talked to XXXX XXXX XXXX month, before the attached my wages, The woman was looking over all my documentation she says, " they should have known before the final root canal and cap that you were maxed out ''. So did they know? Sounds like they might have. And XXXX other woman who works with me, has had the same problem with the same dentist, over billing after the quote, with the same Ins.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: This complaint is for Carrington Mortgage Services. I recently refinanced my loan with them and provided all proper documentation including my home insurance. They did not make proper updates to their records and began sending me letters requesting insurance. After I called more than a half dozen times to correct this, they still increased my mortgage payment to reflect an escrow shortage, even though they escrowed home insurance payments that are already covered by the condo association and owe ME money! I asked for this issue to be escalated for a quick resolution but they continue to send bills reflecting the higher payment. This is the second time this has happened with this mortgage and the last time it took 2 years to get a refund back! Where is MY interest payments on those two years?

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (GA).
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint: I applied for a Shell Account after numerous threats from the Company about applying for a credit card. I have to wait for the XXXX card. Please help me! I am being held XXXX by the 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
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My name and social security number were potentially impacted by the XXXX data breach of XXXX 2017.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2015 about Credit card () with U.S. BANCORP (GA).
Issue: Advertising and marketing

Complaint: I signed up for a US Bank XXXX XXXX XXXX Visa a few years ago. It came with prescribed benefits for paying a {$75.00} annual fee which I have paid each year. I just renewed my annual fee in XXXX and US Bank has removed the best benefit for me. Stay XXXX or more nights and receive your XXXX XXXX free. I have asked US Bank to refund my annual fee since they have chosen not to honor the terms of the agreement I signed up for but they have refused to do so. This is clearly a breach of contract and I am asking for CFPB to get involved. I am attaching XXXX documents that show the benefits as described by US Bank and the statement that all these benefits are included for paying the {$75.00} annual fee.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/14/2016 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax has an inaccurate hard inquiry on my report from XX/XX/2016 for XXXX XXXX XXXX credit card. I have followed all instructions from Equifax, including submitting a police report and contacting XXXX XXXX XXXX and XXXX XXXX Credit card companies. I have made numerous contacts with all parties and have been assured this would be resolved - but it has not as of this morning! The information reported, when compared to my personal information, proves this information is not consistent with my information - nothing except my name matches any information!

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2015 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (TN).
Issue: Loan modification,collection,foreclosure

Complaint: Dealing with a lieing and stealing mortgage company. Proved four lies they have fed to us. Dealing with Bank of America lieing modification. Dept. Names on mortgage have every statement and cancelled payment transaction that prove we are responsible mortgage owners ... ... .. Bank reports false credit late payments on home .... We understand notes are due every month, their phone rep dept. and dept that generates statement balances and mails them to customers, tells the customers doesn ' have a payment due, after the modification is approved ... ... .. Same case as NORTH CAROLINA VS. BANK OF AMERICA ... ... Same XXXX payment exactly one year later ... .... Customer has been told they are wrong over and over ... ... .. Customers have every thing on paper filed in order by date ; waiting for the banks subpeona or the state of TN. Lawsuit

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2015 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX XXXX XXXX transferred my loan to Nationstar Mortgage. Nationstar will not allow me to register a new account online citing they do not have my account information. Calls to their help line have gone unanswered and I have remained on hold 2 and 3 hours with no response. I CAN NOT pay my mortgage and I have concerned they are engaging in fraud to delay registration and accumulate late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, 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 several attempts to get this account deleted and removed from my credit report. On XX/XX/XXXX and again on XX/XX/XXXX I again was notified by XXXX XXXX and Credit bureaus had verified the account. I obtained a vehicle loan XXXX and paid it in full and it was closed as per the report in XXXX. I have requested all documents on this account and it was not produced in over 60 days to verify this account. The first delinquency was XX/XX/XXXX and since this account is paid and closed I have asked that it be deleted and removed completely from my credit report being that it is outdated and the company did not respond with the asked for information in the time allowed. I had spoken with a customer service rep that stated he would fill out the form for deletion of the account required and that it would be removed from my credit reports This has not happened, some are still reporting payments from the day I opened this 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 01-06-2017 about Debt collection (Credit card) with HSBC NORTH AMERICA HOLDINGS INC. (GA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: on XX/XX/2017 my parents received a phone call from some man stating that he was a XXXX County ( GA ) detective and that he had court documents to serve me with. He gave my mother a phone number to call if I needed more time to work this out. Well, I called the number XXXX case # XXXX and was transferred to a XXXX XXXX from XXXX XXXX XXXX She turned out to be one of the rudest persons I have ever spoken to in my life I started asking her questions regarding this debt and that 's when she started to call me names, stupid ( she told me she was smarter then me ) and she also stated that I had selective memory on my debt that I owe which she had stated was about 8-9 years old, she threatened to go to my job etc ... .. The first call she hung up on me so I called her back and that 's when she really start the name calling so I must admit I lost my cool and told her to go ahead and send me the XXXX papers Anyway, I have a document, release of liability, from a law office that I have already paid this debt which is from HSBC ( XXXX ) but this women would not even listen to me

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (WV).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I had signed up for XXXX which I had to sign a XXXX year agreement after moving into a new house XXXX yr we bought our house and when our package kept changing and our bill never being the same and the channels chamging day to day we decide to end contract. when XXXX put our equipment into our new house they automatically renew your XXXX year agreement with notice. NOW they are charging me for the XXXX year termination fee..

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 09-02-2016 about Debt collection (I do not know) with ERC (FL).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: calls about family members credit using legal threats and abusive language. this person has never lived with me at this address.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Debt collection (Other debt) with Diversified Consultants, Inc. (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I had a previous complaint with Diversified Consultants Inc ( XXXX ) which the findings from that complaint explained that they sent me an initial balance letter on XX/XX/2017. I did not request a balance letter, I requested a validation letter bearing my signature which they never provided. In that same complaint, they stated that they requested validation from XXXX and that XXXX would mail me a validation letter. I never received a debt validation letter from XXXX with something bearing my signature that said I am responsible for a debt. Furthermore, DCI is the company who is listed on my credit reports so they are solely responsible for sending me a validation with a contract I signed bearing my signature, not XXXX. 

Furthermore, after doing some additional research, I found out that DCI ( Diversified Consultants ) is not even licensed to collect in my state ( IL ) according to our Illinois state records so they should not be reporting anything to the credit bureaus in regard to me anyway! I would like all collection efforts to cease and as my initial validation request stated, I'd like them completely removed from all credit reporting agencies ASAP!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/28/2016 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Loan modification,collection,foreclosure

Complaint: My mother passed away and I inherited the subject property. The bank said they would work with me to advoid foreclosure in XXXX XXXX the FC is sale date is XXXX XXXX, XXXX. I was advised of what documents was required to be reviewed. I have sent all the required documents. ( XXXX, XXXX, Tax 's return, XXXX form, XXXX ; Dodd Frank Certifcate, XXXX paper work ; Quit claims deeds from all parties. My SPOC ( rep assigned to my loan ) continues to tell me i havent sent the correct documents. When I ask what documents I need to send she does not know. When I requested to speak with a manager I am denied I was advised someone would call back. That did not happen. I called again and was told the only person that I could talk to is my SPOC to whom was not available. I requested for a manager and was denied again. I spent 4 hours on the phone ( begging ) requesting to speak with a manager to get some answers, finally I spoke with a Admin Manager by the name XXXX XXXX ; Whom still was unsure of what documents were still needed. He then adv me my request for a review was closed due to insufficent documents on XXXX XXXX. XXXX said he would re- open ( re- activate is what he called it ) my request. I also asked several times for the FC sale date to be postponed I was denied that. The FC sale date is currently scheduled for XXXX XXXX, XXXX. I previously asked at the beginning of theis process would there be enough time for the reveiw. I was advised in XXXX, XXXX I did n't need to worry about the FC sale date because they have plenty of time to review me. Hence they have not reviewed me for any options and the FC sale date is still set. I asked several time cane the FC sale date be postponed until the can figure out what documents are still needed. Im still waiting for a answer. I live in the house with my XXXX child and we have no where to go if I loose my house. Im just asking for someone to pleae help me save me home.

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 09/16/2017 about Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (CA).
Issue: Trouble during payment process

Complaint: This is a complaint against Freedom Mortgage for unfair, inhuman, predatory business practices. 
I have a mortgage account with Freedom Mortgage, loan number XXXX. I have always been paying my mortgage well in advance. I have already paid my mortgage for XXXX and on XXXX XXXX I have decided to pay another {$8000.00} for XXXX, XXXX and partial XXXX XXXX see attached ). The {$8000.00} was transferred from my XXXX XXXX account on Monday, XXXX XXXX to Freedom Mortgage. 2 days later, on Wednesday XXXX XXXX, Freedom Mortgage tried to withdraw another {$8000.00} from my checking account making my account to be overdrawn. I have called Freedom Mortgage customer service and asked them stop trying to withdraw another {$8000.00} from my XXXX checking account as I have already paid the {$8000.00} I wanted to pay for XXXX, XXXX and partial XXXX. The Freedom Mortgage customer service representative assured me that I shouldnt worry, they are not going to try to withdraw the {$8000.00} again from my account, which I believed and left the matter. But on Friday, XXXX XXXX, when my salary came into my checking account, Freedom Mortgage did another withdrawal of {$8000.00} from my checking account, taking all my salary and living me with {$0.00} on my checking account. I have immediately called Freedom Mortgage, spoke with XXXX XXXX manager, who told me that the only way they can refund me {$8000.00} if I send an official proof of payment from XXXX printed on a letter headed paper. XXXX branches open at XXXX, so that morning ( XXXX XXXX ) I have immediately went to a XXXX branch in XXXX XXXX, spoke with Assistant Branch Manager XXXX XXXX, and asked for help. He told me that they usually dont issue such proof of payments, but he was kind enough to call Freedom Mortgage to sort out the problem. Freedom Mortgage kept him on the line for 2 hours, from XXXX XXXX till XXXX XXXX, after which he prepared me the proof of payment on letter headed paper Freedom Mortgage requested ( see attached ). From the branch I headed to my office to scan and email and fax this proof of payment to Freedom Mortgage, XXXX XXXX. Later that day, XXXX XXXX sent me an email claiming that Freedom Mortgage has refunded the {$8000.00} but until today, Saturday, XXXX XXXX, the money is not yet on my account. 
Freedom Mortgage has caused serious hardship to me and my family by taking all our money from our checking account and leaving us with nothing. We did not owe Freedom Mortgage, has always paid our mortgage in advance, so this was an act of unfair, inhuman and predatory business practice on behalf of Freedom Mortgage.  Kindly investigate this matter and take appropriate actions.

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 04/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On XX/XX/18 I went to the XXXX XXXX website to research auto loans. I put in my name. It asked if I was a member of XXXX XXXX. I said yes. I did not enter any other information. I clicked the cancel button and closed the page. I later got a letter and an email saying they checked my credit score as part of a loan application. I did not apply. They checked my credit without my authorization.

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 09/14/2017 about Credit card or prepaid card (Payroll card) with REGIONS FINANCIAL CORPORATION (CO).
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint: I tried to withdraw XXXX from a XXXX atm using a comdata XXXX. It is a payroll card from XXXX. i have an account with chase, and was going to deposit the cash from the card to my account. The atm shut down mid transaction and did not dispense the cash. XXXX told me it is the responsibility of the Comdata card bank to pay me. I have contacted them repeadedly and have been given the runaround. They say it is not their responsibility.

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 10/30/2017 about Debt collection (I do not know) with WELLS FARGO & COMPANY (AZ).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: XXXX XXXX XXXX XXXX XXXX. 
Contacted me XXXX/XXXX/XXXX from a blocked number stating they had a process server needing to serve me. Directed me to call the the plaintiff directly of the civil compliant. 

Refereed me to XXXX with court case # XXXX XXXX who said the case was being brought up against me by wells fargo, and proceeded to give me more information. 

They are misrepresenting the legal status of a debt, with impersonating attorneys, attorneys staff, or judicial employees, in violation of FDCPA.

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 02/24/2017 about Mortgage (FHA mortgage) with LoanCare, LLC (NH).
Issue: Loan servicing, payments, escrow account

Complaint: On XX/XX/2017 My wife and I received a credit bureau notification that there was a change to our credit reports. Upon checking the change, it showed that we were 30-60 days late on our mortgage. My wife and I had paid the mortgage each month as required. My wife however had made partial payments in the month of XXXX and XXXX with the full balance being paid by the XXXX of the month. When speaking with our company Loan Care, they said that this happens a lot and on their statements, they say that partial payments are held and when the entire balance is paid, they release the funds. In this case, the funds were applied to the principle balance and from XXXX until XXXX, we had been late, and had been accruing late fees etc. and were never given a phone call to say that we were late nor a letter saying we were late. When we called Loan Care on XX/XX/2017, we asked why we were never notified and we were told that they did n't have to notify us since we are able to access our account on line. Upon speaking to them further they said that the issue happens often and that they were going to fix the problem and update the credit agencies and notify them that this a mistake. As of the writing of this complaint XX/XX/2017, the issue has still to be resolved and our credit reports are still showing us late. We have called no less than 6 times and spoken to several employees who have assured us that the issue was being taken care of and wold be expedited and fixed within 5-10 days. This was almost 50 days ago. We do n't receive calls back when we are told we would from management, our credit reports have taken an unnecessary " hit '' of nearly XXXX points and this company has done nothing to fix or help us when they said they would. Each time we call, we are told by another employee that the situation will be resloved and are given their apologies for the misunderstanding. We are both XXXX and pay our bills accordingly. On today 's date XX/XX/2017 we were told that the issue would take another 5-10 days and that there are XXXX departments currently working on our issue. This is the poorest customer service my wife and I have ever experienced and people who are dealing with this company need to be warned.

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