milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-03-2015 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (SC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: In XXXX of 2013, I suffered a XXXX attack and went to the emergency room at XXXX XXXX XXXX XXXX in XXXX, SC. I was treated and told to contact a provider who would perform XXXX surgery. I received the attached statement after my treatment and assumed an insurance claim had been sent to XXXX XXXX XXXX XXXX as well. I knew that I would be responsible for payment as my deductible and out of pocket maximum had not been met. However, I did not notice that for some reason, my insurance was never billed for services received at XXXX XXXX XXXX. I was unable to pay the balance until XXXX of that year, due to the fact that my husband was laid off earlier in the year. In the mean time, my bill had been sold to Central Financial Control ( CFC ), a debt Collector. After I sent the balance to XXXX XXXX XXXX XXXX, they, in turn sent it to CFC. 

I did have my XXXX removed in the XXXX of 2013 and claims were sent to my insurance company ( XXXX XXXX XXXX ) but were denied. XXXX stated that my deductible and out of pocket maximum had not been met. It was then I discovered that the initial emergency room visit claim had never been made and BC/BS had no record of the {$1400.00} medical bill I had paid. 

I contacted XXXX XXXX XXXX XXXX after finding out that they had not sent my claim in to BC/BS properly. They refused to talk to me because they had already sent my account to Central Financial Control ( CFC ), their Debt Collector. Every time I called, they transferred me to CFC. CFC refused to send in the claim as they had already been paid. I was told that it was not their responsibility. So, I contacted XXXX myself and sent in all the paperwork. They reviewed the hospital bills and other claims from later medical procedures and determined that XXXX XXXX XXXX XXXX was due {$2400.00}. They sent the check to XXXX who in turn sent it to CFC. The original delinquent amount that CFC was due was only {$1400.00}. They issued a refund check to me for the original amount and kept the extra {$910.00}. This was not their money to keep, so they have literally stolen this money from me which I need to pay off other outstanding medical debt. I still have the original refund check. I have not cashed it because I am afraid doing so will mean the account is settled. I called CFC and asked a representative why I was not paid the entire amount and they said they did n't have to. I spoke with a representative at XXXX and an attorney who said what CFC did was illegal. I told the CFC representative that I was going to hire an attorney and they laughed at me. Most of the representatives I spoke with were rude and XXXX even burped on the phone when I was speaking with him.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Checking or savings account (Savings account) with REGIONS FINANCIAL CORPORATION (GA).
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint: Regions person opened my checking and savings account. He opened a money market account instead of a savings account. This past year I made in interest from the money market account {$14.00} per the interest income statement and the bank the bank has charged me {$60.00} in low balance fees. I took all but {$.00} out of my account and they. charged another {$15.00} for low balance fee a negative balance of {$14.00} so they took it out of my checking account. Went to the bank and asked that they refund the {$15.00} and asked why I was charged four {$15.00} charges and was told because I had a money market account. I am XXXX for the last XXXX years trying to get XXXX social security and don't have any income, just barely get by from selling my jewelry and furnishings and then the bank steals {$60.00} from me. Have called and gone into the bank and am told oh I'm sorry let me see what I can do and I will call you in a couple of days but doesn't. I was just told by XXXX at customer service that she could transfere me to debt collections department or the loan department and I could get a loan to help me pay my bills. Told her I have not had an income since being fired in XX/XX/XXXXafter 15 years of employment for being sick and not finding a doctor that can see me on Saturday or Sunday and a hospital to do the test on Saturday or Sunday. I can't get a loan without income. I need help.

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 01/17/2018 about Debt collection (Other debt) with Diversified Consultants, Inc. (GA).
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint: On XX/XX/XXXX I received documentation from XXXX XXXX XXXX stating that their office had reviewed the account with XXXX XXXX in the amount of {$470.00} and have made the decision to discontinue collection efforts therefore deciding to submit a deletion request to the credit bureaus.Today I have received a notification from XXXX stating that a collection account has been added to my credit reports, to my surprise it was the EXACT same collection under a different collection agency called Diversified Consultants trying to collect the exact same debt! Not only was I not previously contacted ( by phone or email ) from this company, it is also stating the debt was opened in XX/XX/XXXX how is that even possible? In addition to that, I have no prior knowledge and NO CONTRACT with this company called Diversified Consultants, I am requesting they send a deletion request to the credit bureaus to have this account removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-05-2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (NM).
Issue: Application, originator, mortgage broker

Complaint: We purchased a house for our daughter ( myself, my wife, my daughter ). Contracted in that order for her while she attended college. Then one day out of the blue Chase mortgage sent my daughter a loan modification option letter in her name only. She signed it, sent it to Chase and they did a loan modification for her and her only without my authorization or my wife 's authorization for a fresh 40 years. I discovered this when I called Chase one day about some insurance issues. They informed me that they did n't know me and I did n't have a loan with them nor did my wife. They would n't talk to me about it until my daughter wrote to them saying it was OK to talk to me. They still denied us being on the loan with my daughter until I decided to stop making payments. Then 4 months later we received a foreclosure notice. When I contacted them, then they told me we were on the loan and that they just did n't press the button hard enough. Ever since then they have told me that my wife and I are on that loan modification they did for my daughter without our authorization. We are not on that loan and do n't want any part of it. Never signed for it and never authorized any one to change any part of it. They sent us a letter saying they inadvertently sent my daughter this modification letter without our authorization in error and that was n't their intention. ( I will attach this document for you ). They have admitted to their mistake but have not given us any viable options. We did n't ask for a loan modification, we were good with the loan we had. Our credit is ruined. We always made our payments on time and have always had excellent credit. We did n't ask for any of this.This new loan they gave my daughter was as much each month as she made income wise each month. I do n't think that would be legal either. I can say confidently that a loan can not be changed or modified without all parties signatures. Just this week I called Chase and spoke with XXXX XXXX, who did agree that that they should n't have done that and was going to have a big meeting with supervisors and get back with me. He did today, he was trying to offer me a step modification I think he called it, to adjustable and complicated for me. I 'm a simple man. I asked him to put something in writing and we would consider something reasonable to put this behind us. This has been very trying on myself, my wife and my daughter for way to long. We need intervention and We hope your the right people to help us against the big banks who got bailed out on this same stuff they did before.

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I submitted the request for all XXXX reports at annualcreditreport.com, but when I clicked to get the first report, Equifax said there was a system error. When you click on the return button, it takes you to Equifax.com, where they offer to see you your report, but there was no way to return to annualcreditreport.com, to be able to get the other XXXX reports. I eventually tried to go back, but the system would n't bring me back to a place to request the other XXXX reports. I now have to use another method to get access to my XXXX reports, instead of the online, faster at. Very disappointing, and it seems like they want to make you purchase your reports, instead of allowing you rightful access to the free reports.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2015 about Bank account or service (Checking account) with TCF NATIONAL BANK (MN).
Issue: Problems caused by my funds being low

Complaint: On XXXX/XXXX/15 TCF Bank reordered my transactions and added an additional {$19.00} Check Printing fee to make my account overdrawn by - {$2.00}. On XXXX/XXXX/15 TCF Bank charge my account {$37.00} Returned item NSF fee. My deposits are not available for XXXX/XXXX/15 {$100.00} cash, XXXX/XXXX/15 ATM {$100.00} cash, XXXX/XXXX/15 ATM {$380.00} check. ( Please see attachment )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 02/21/2016 about Debt collection (Medical) with Louisiana Recovery Services Inc. (LA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: HAS NOT CLEARED MY PAID DEBT ON MY CREDIT REPORT FOR XXXX STILL SHOWS {$270.00} OWED

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2017 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 've tried contacting the agency that the debt was placed to inform them that the debt is not mine, as I 've never had XXXX XXXX  services. The debt is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2016 about Debt collection (Medical) with RSH & Associates, LLC (KS).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have had representative XXXX XXXX call my business phone after advising multiple times to remove my business phone from their records but they continue to call and harass and are borderline stalking. They are rude, invasive and frankly their collection tactics are XXXX like as represented in their need to sale to companies to collect debts. They have threatened to add my debts to my husband 's credit and debts that were established prior to our marriage. This is illegal and they have no right to do this. This company is absolutely rude and their workers insult and will talk over you, hello you called me to collect a debt and being rude and invasive will not help you accomplish this.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2016 about Mortgage (FHA mortgage) with Finance of America Mortgage LLC (NV).
Issue: Credit decision / Underwriting

Complaint: I applied for a mortgage loan in XXXX of 2016. Considering I had credit issues, I was asked to explain and provide information. After the issues were addressed and reviewed by an underwriter ( so I was told ), I was issued a preapproval. I went shopping for a house, placed an offer, paid for a home inspection and paid for an appraisal. When the sales contract was completed, the loan processor started asking for the same loan stipulations during the application process which I submitted immediately after the email. My Close of Escrow was scheduled for XXXX XXXX, 2016. Email was sent back and forth between me, my real estate agent and the loan officer. On Friday, XXXX/XXXX/2016, the loan officer claims we are good to close the following week but may be a delay for a day or XXXX since they were waiting on a credit supplement to gather remaining balances on a couple of accounts that were in collections and showing duplicates. On Monday, XXXX/XXXX/2016 ( COE date ), I received an email from the loan officer asking me to call her back. She told me that I am no longer qualified for the loan due to the credit issues that were addressed in the very beginning of this loan application. I was devastated. She lead me to believe from all her emails that those issues were addressed and I will be able to get this loan. I have spent money, time and effort to get this loan. Had I known in the beginning that the credit issues may be a problem during the underwriting process, I would not have gone shopping for house, placing offers, paying for a home inspection and appraisal. Since I worked for a bank as well, I consulted with my colleagues regarding the decline. I had asked the loan officer to have her branch manager contact me. The branch manager was completely rude to me and my colleagues. He was unprofessional and I felt that I was being belittled for having derogatory information on my credit report, for using a XXXX grant that my employer offers in helping pay for the down payment as well as the XXXX Nevada down payment assistance. He asks why didnt I go with my employer instead of going to them for financing. In addition to the above information, I was not given any type of disclosures after my application and I am still awaiting a decline letter be emailed or sent to me to provide detailed information.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/26/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I requested the report from Transunion last spring and though it docked me so it says i received it, it would not download. I recently requested my free annual report from all XXXX agencies and could not download them. Then I sent in a request following the instructions carefully over 6 weeks ago and still have not received them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-10-2015 about Mortgage (Reverse mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Application, originator, mortgage broker

Complaint: I took out a revers mortgage four years ago.my son and granddaughter were support to pay on my taxes and insurance. In XXXX wells fargo sent me posted card. did n't open I thought it was junk mail. They never sent out a formal letter letting me know about my back taxes and insurance.wells fargo never give me and option of repay on the back taxes and the insurance.they sent me a letter for 30 days to comply that I was still living in my home that what started the hold thing.we sent them prove that I was still living in my home. be for the 30 day was up. well fargo still file a default any and started the prceeding of foreclosure .nowing that we was working with them by califorina law they have to work with us I call crop office in made a complaint. we told her the same thing they investigated the issue. well fargo called my granddaughter told her that the house was out of foreclosed, but did not give use anything in writing, but still put a default on the house making it difficult to refiniance the property. I feel that well fargo should have work with me on repaying the taxes in the insurance. instead of the default being file.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2017 about Debt collection (I do not know) with Solidus Group LLC. (TX).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: I have been receiving phone calls from XXXX threatening me with legal action for a bad check and loan and to settle the account with them, but would not provide any details on where this orginated from. I know for a fact I have not written a check in over 15 years and nor am I delinquent on any loans and or credit cards I own. This company called themselves XXXX and had my personal information to include SSN, old contacts of mine and previous old addresses. I checked this number and saw several complaints regarding the same issue and when I called them back to call them out on their fraud and identy theft, the gentleman on the phone became threatening and disconnected the phone call.

Company response to consumer: Untimely response
Consumer complaint received 07/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with STERLING INFOSYSTEMS INC (VA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Concerned because I just viewed my background and want to know what exactly is DOJ national   XXXX   XXXX  ? I am not in any way a  XXXX    XXXX   nor have I ever been charged or convicted of such. I would like to know why there is a level  XXXX  under this catergory?

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (CO).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: Previously, I have asked to be removed from any and all pre-approved credit offers from CapitalOne. My name has been removed from pre-approved credit mailing list as confirmed by XXXX. CapitalOne continues to send preapproved credit offerings to me. 

I have asked them to remove my name, address, and all associated data, but they still send these offers to me. Because of identity theft in the past, I have had multiple accounts opened in my name. 

The CaptialOne mail offerings include 3 Easy steps for applying online with a personal confirmation code. 

CaptitalOne has no authorization to have my financial date or personal data. 

Please have CapitalOne remove all information regarding my personal data and confirm this in writing. 

Thank you. 

Best regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-12-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: On XX/XX/XXXX, my husband & I filed a Chapter XXXX bankruptcy. My mortgage was not included. At that time, XXXX sold my mortgage to XXXX who reported my payments to the credit bureaus every month, but as being late even though it was n't. Then they reported that my last payment to them was XX/XX/XXXX, which was 1 month prior to completing my 5 year BK and in XX/XX/XXXX I was sold to XXXX XXXX XXXX. XXXX did not report any payments for the 6 months they held my mortgage. said my $ was in a suspence account because they needed more documents from XXXX. I only found out about this because I was denied a HARP loan for nonpayments. When I asked XXXX for a payment history, as I was told if I got one XXXX XXXX would accept that and I could do the HARP, they sold my loan to Ditech. Ditech has not reported one payment and although my BK has been discharged, they will not take me out of their bankruptcy department. These companies have been taking my $ for 16 months and not reporting them, worse yet they are not applying them to my loan. This not only has ruined my chance of repairing my credit, but has kept me from refinancing to lower my interest rates. I can not get away from them. They are stealing my payments. Ditech told me that XXXX XXXX XXXX no longer exists, but when I call their phone #, they answer " Ditech ''. I believe my loan is being sold for profit and they are all connected in some way. Please help me. My husband has since passed, leaving me to figure this out. I 'm preparing for retirement and they have taken my life 's investment from me. I 've sent them a copy of every check, which shows dates, amounts and who cashed them. I. Have not missed a payment or been late. My bank has a record of every check. They leave me on hold. One time was 3 1/2 hours only to tell me it 'll be fixed in 48 hours. I 've been waiting over 7 more months with Ditech.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Debt collection (Auto debt) with WELLS FARGO & COMPANY (CA).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: Wells Fargo Dealer services contacted my apartment complex manager in o rder to collect a 30 day late payment after I made a partial payment towards the debt. They claimed they " we can call whomever we see fit, in order to collect a debt no matter how late. '' This is unacceptable.

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 10-01-2015 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (OH).
Issue: Loan servicing, payments, escrow account

Complaint: Lost our house because Nationstar forced us to insure our home for XXXX ( only worth XXXX ) because it was over XXXX square feet. On top of that we are in a flood plain and had to purchase matching flood insurance. our payment went from a comfortable XXXX to almost XXXX per month. This was our home. We were proud of it and had to make a very difficult decision to walk away because after after 4 years of paying the high payment we were drowning and no one from Nationstar was willing to help. I 'm sad to drive by and see that the house has been sitting empty for almost three years. Would n't it have been wiser to work with us oon making it affordable. They tried to auction it off and could n't even get any buyers. It breaks my heart everyday cause our memories are there and we miss it. Now it just sits empty falling apart unsellable.

Company response to consumer: Closed
Consumer complaint received 09/21/2015 about Bank account or service (Checking account) with PNC Bank N.A. (DE).
Issue: Account opening, closing, or management

Complaint: Pnc bank will not accept my legal Durable power of attorney. I submitted all the appropriate documents and their legal department stills refuses to accept it. I even submitted my father 's death certificate because he was first on the Durable power of Attorney. I have gone to the bank 3 times and each time they refuse. Please help.

Company response to consumer: Closed with explanation