milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/29/2017 about Debt collection (Medical) with Radius Global Solutions LLC (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I visited the XXXX location XXXX XXXX XXXX, ( XXXX ) XXXX at in XX/XX/XXXX after verifying that they accepted my insurance. At each visit I provided my ID card showing proof of dental coverage. The company only submitted one claim for services provided. My copay for services was 20 %. Per my HSA records I have met this payment amount ( excluding the over priced toothbrush and fluoride rinse I purchased from them ). I confirmed the billing codes with my dental provider. I made payments for services at the time of my visits. The practice neglected to timely file claims with my dental provider and have submitted my information to 2 collection agencies. I have been threatened to have adverse information reported on my credit. I do n't mind paying what I actually owe. I knew the services would not be free of charge. And I received good service from the dental staff. But I do not think that I should be liable for the practice poorly handling their claim processes. Instead of billing me the 20 % they are attempting to bill me for 100 % of the charges incurred. I am attaching a copy of the letter I sent to the practice and the collectors to explaining the issue. I was first approached by XXXX. XXXX, XXXX XXXX XXXX on behalf of XXXX. Their letter gave me 30 days to respond in writing. After responding I received 2 phone calls. When I was able to return their call, I did not receive a call back. Later, I received a letter from a different collector ; Central Credit Services, LLC, XXXX, XXXX XXXX. XXXX. I am writing them a letter on the same day that I am submitting this complaint. I will also respond to a letter I received from XXXX dated XX/XX/XXXX. Contact : XXXX., Patient Satisfaction XXXX xXXXX ; XXXX, XXXX XXXX. Thank you.

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 03/31/2017 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Transaction issue

Complaint: Our computer stopped working with a number to call to clean it. We were talked into placing {$290.00} on our Bank of America card payable to XXXX and they would clean the scam off of the computer. We contacted Bank of America the next day to not pay the charge as by that time we realized it was a scam. We were told by Bank of America that the charge had not posted yet so it could not be disputed, to call back. We have called a number of times and supplied documentation from a computer repair co. as second opinion that this was a scam. Bank of America has paid the scam co. and can only suggest that we contact them for a refund. We do not want anything to do with this scam co. and are very disappointed that Bank of America paid this charge even after we requested that they do not. What can we do now?

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 Vehicle loan or lease (Loan) with Autovest, L.L.C. (FL).
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint: I originally had an auto with XXXX XXXX for a XXXX XXXX XXXX. which was transferred to XXXX XXXX XXXX. I have asked Autovest for a break down of fees and have yet to receive. I even asked for a possible settlement but I wanted to see a break down of fees. I did receive a copy of the contract but nothing showing how much the car was sold for or how they came up with their their amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2017 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (PA).
Issue: Account opening, closing, or management

Complaint: I had an HSA account with Wells Fargo for the past several years, and a few months ago, Wells Fargo notified me that they were closing their HSA business and that they would be closing my account and sending me a check for the balance. I subsequently got a call from Wells Fargo XX/XX/XXXX asking me if I would like to have my HSA automatically transferred to XXXX since they were selling their HSA business to them. I asked specifically about fees and he said that there is a monthly fee, but it is waived for balances over a certain threshold, which I met. So I then agreed to have it transferred. 

I just checked last Wells Fargo statement and I was charged a transfer fee of {$430.00}! At no point did the representative mention this fee even though I specifically asked about fees. A {$50.00} fee would have been unacceptable given that I did n't agree to any fee and I should n't have to pay a fee just because Wells Fargo sold this business to XXXX. A {$430.00} is just predatory. I could have rolled my balance into my other HSA for free, like I was planning to until I got this call from the Wells Fargo representative. 

I have contacted Wells Fargo regarding this fee, and they have directed me to XXXX since they no longer have the HSA business, even though the fee was charged by Wells Fargo.

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2015 about Mortgage (Conventional fixed mortgage) with FIRST MORTGAGE CORPORATION (CA).
Issue: Loan servicing, payments, escrow account

Complaint: We refinanced and obtained a mortgage through First Mortgage Corportion with a first payment due XXXX/XXXX/15. On XXXX/XXXX/15 we recieved a letter from First Mortgage Corportion that our loan had been transfered to XXXX XXXX and that all payments starting XXXX/XXXX/15 should be made to the new servicer and the new loan number and payment address was included. All payments since then have been made to freedom mortgage and our loan as well as all escrow funds were transfered over sucessfully. We are now receiving collection notices from First Mortgage Corportion threatening forclosure. I did speak with a collection rep late XXXX when they called me at my place of employment and advised them of the letter I recieved and that on time payments have been made to freedom mortgage. The rep apologized for the mix up and said they would contact The new mortgage servicer to verify that payments had been made. I assumed that they had done that and closed out their records. Until XXXX/XXXX/15 when I recieved a letter dated XXXX/XXXX/15 threatening forclosure if payments for XXXX and XXXX are not made in addition to hefty fees that have been added. The payments for XXXX and XXXX have been made on time to XXXX XXXX. Just like First Mortgage Corportion requested in their letter dated XXXX/XXXX/15. What they are doing can not be legal

Company response to consumer: Untimely response
Consumer complaint received 11-04-2015 about Mortgage (Other mortgage) with QUICKEN LOANS, INC. (OH).
Issue: Application, originator, mortgage broker

Complaint: I called Quicken Loans to ask a question about a mortgage- The customer sales person asked me for my name etc. before I received an answer to my question! Unbeknownst to me my credit score was impacted because of a " Hard Inquiry '' - It does not seem right to have your credit score come down, when your just want a question answered about the company in question services! 
Your question " Which part of the mortgage process is your issue related to? '' Does not apply so I put Applying for a loan - which I am not or did not!

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2016 about Money transfers (Domestic (US) money transfer) with PNC Bank N.A. (PA).
Issue: Money was not available when promised

Complaint: Once again, I attempted to do an online transfer of {$100.00} from my PNC checking account to my PNC smartcard and once again PNC has removed the funds from my checking account and has failed to put them on the smart card, forcing me to call in YET AGAIN, be placed on hold and transfered to various departments in order to get the funds either returned to my checking account or put on the smartcard. This time, an " escalating customer service rep '' said that they are aware that there is a glitch that sometimes does this, that it is their fault, that they have had numerous calls when it happens, but have no idea how to fix the glitch since it is inconsistent. PNC needs to have severe punitive penalties, from in effect, stealing from its customers and not addressing the issue unless customers are willing to be on hold for over an hour with each incident and get angry. PNC acts are clearly illegal and need to be fined heavily -- my guess is they will figure out the " glitch '' very quickly if they are forced to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2018 about Debt collection (Other debt) with ATG Credit, LLC (IL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have send certified letters to ATG regarding the alleged education debt on XX/XX/XXXX, certified letters to XXXX, XXXX and XXXX XXXX regarding the debt and have not received any resolution. 
I also sent a certified letter ( on XX/XX/XXXX ) requesting evidence and verification of the debt and ATG sent incomplete verification, debts in a different amount than what they are showing as a collection on my credit report and they are trying to collect funds from a VERY OLD DEBT from XX/XX/XXXX. This alleged debt that is incorrectly showing on my credit report is from XX/XX/XXXX ( 7 years ago ) so it is a very old debt as well. 

Please help me in getting this fixed with ATG.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2015 about Debt collection (Medical) with GULF COAST COLLECTION BUREAU, INC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This debt is not known to me. I recently requested my Free Credit reports to access my credit history before I applied for my XXXX mortgage which I have been diligently addressing my credit so that I would be in a good position when ready so I request full validation from the crediting company. This request is for more than just a simple statement without detail. Rather, I must requisition a careful documentation, including statements, contracts, copies of checks, and any other pertinent information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 04-03-2017 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: There was an unauthorized charge made to my Master Card credit card account issued by the XXXX XXXX XXXX ( XXXX ) in XX/XX/XXXX, which I refused to pay. After much haggling, I paid off the credit card account IN FULL on XXXX XXXX, XX/XX/XXXX and stopped using the card/account. The XXXX then reported the account as a Charge-Off anyway ; so I wrote to the XXXX and they responded that a mistake was made, but the credit reporting agency ( Equifax ) STILL has not corrected my credit agency file, even after I submitted proof of my payment to the XXXX, and the credit reporting agency continues to show the credit account as a charge-off! How do I get this problem corrected???

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Debt collection (Payday loan debt) with WLCC (HI).
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint: On XX/XX/XXXX WLCC DBA Arrowhead Advance attempted to contact me at XXXX XXXX and XXXX XXXX. These hours are outside the hours highlighted in the FDCPA and are considered to be inconvenient. Furthermore WLCC DBA Arrowhead Advance is well aware of my physical location in the state of Hawaii. This was provided to WLCC DBA Arrowhead Advance both on the Application as well as in a ACH revocation letter. Additionally Arrowhead Advance has my Hawaiian Drivers License Data which again support my claim that I am physically in the State of Hawaii.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-08-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Receivables Performance Management, LLC (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: continued attempt to collect the debt which is not mine, also hitting using various sources in different names, heading and hitting my credit history via credit reporting agency.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Consumer Loan (Vehicle lease) with Northstar Location Services, LLC (TN).
Issue: Problems when you are unable to pay

Complaint: Husband received a call on his cell phone attempting to locate XXXX ( me ) in regard to collecting an alleged debt that was never owed to XXXX ( XXXX ) on a prior lease from nearly 10 years ago. All state statute of limitations have expired years ago and Ally sold the paper to NorthStar Collections ( XXXX ) XXXX. 
The representative informed my husband that she could not discuss the mater with him, but that the creditor was XXXX and that I needed to call Northstar Collections.

Company response to consumer: Closed
Consumer complaint received 12/22/2015 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (NC).
Issue: Deposits and withdrawals

Complaint: I transferred funds from my XXXX Checking Account to my USAA Checking Account on Friday, XXXX XXXX. This is not the first time I have transferred funds from and to these accounts. This is however the first time USAA has held all but {$100.00} for 4 business days, which has ruined my attempt at surprising my wife and son for XXXX. I called USAA to inquire why they were holding my money and was told that it 's due to my maintaining a low balance in this account ; that the amount being transferred ( {$630.00} ) was much higher than my average daily balance of {$40.00}. I only use my USAA account for work-related expenses ; to pay for parking, toll road fees and an occasional cup of coffee. I 've researched the XXXX, Title XXXX, Chapter XXXX, Subchapter A, Part XXXX, XXXX, which states electronic transfers should be available the next business day ; and I find no " Exceptions '' that speak to maintaining a low balance.There 's no reasonable business reason for this punitive rule other than to squeeze out a couple of pennies from each consumer. What this USAA ( Low Balance ) rule essentially does is penalizes consumers by holding their money hostage unless they maintain higher balances in their accounts. If they ca n't make money off of your money on a daily bases ( low daily balance ), then they 'll hold your money if/when you make a larger deposit and make money that way.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: On  XXXX   XXXX , I discovered  XXXX  (  XXXX  ) was re-inserted onto my credit file. You are required to notify me within 5 days of re-inserting a previous deleted item. I did not receive a notification. Please delete this immediately.

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 10-05-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (TX).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: While looking at my history, I noticed I was charged XXXX on XXXX/XXXX/XXXX for a Repayment Fee. I have never heard of such a thing. I believe this to be an illegal fee, snuck into my loans that I 've been paying interest on. I believe Navient owes me back interest as well as this fee. 

Further more, I have been charged disbursement fees, which I also have n't heard of. They were : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I question the legality and validity of these fees.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: cra violation no knowledge of accounts po report sent to XXXX and local po dept

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: XXXX XXXX XXXX. XXXX is a fraudulent account that XXXX XXXX XXXX keeps reselling and the credit bureaus keep reinseting it without prior notification to me along with not taking into account that this is the same fraudulent account that was already removed from my credit reports. All of the documentation has been submitted to the credit bureaus along with the involved companies and the credit bureaus has failed to bock this account. XXXX, XXXX, Experian. XXXX has had fraud paperwork, along with police reports and identity theft afidavit for over 2 months and has not completed the investigation. It has been over 60 days and XXXX refuses to remove these fraudulent accounts ( XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. in accordance to the FCRA. Both XXXX and XXXX has removed these accounts and blocked them. XXXX has not completed this investigation in over 60 days

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 07-05-2016 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: Recently my mortgage company, US Bank Home Mortgage, raised their " Online Payment Fee '' to {$5.00}. I wrote to them to complain because they encourage their customers to go paperless and enroll in their e-bill service and it seemed very wrong to then punish the customers who did so. I was told that this fee only applied to online payments made after the XXXX of the month, but that it was not a late fee. I was told that I could avoid this fee by either mailing in my payment or paying online by the XXXX of the month. When I responded by saying that any fee that is applied conditionally based on time sure sounded a lot like a late fee, I hit a stone wall at the company. As part of my mortgage agreement I have until the XXXX of the month to pay before any fees are assessed. This " online payment fee '' that is only applied after the XXXX of the month seems like a very sneaky way to apply a late fee when legally none should be applied. They keep claiming that it 's not a late fee but I 'm not sure how that 's possible when it 's only applied after a certain date every month. I think they 're being incredibly shady and trying to milk a few extra bucks out of their customers that they themselves encourage to transition to online payments.

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 05/27/2016 about Debt collection (I do not know) with Van Ru Credit Corporation (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have no unpaid debt. I have a mortgage that I have always been up-to-date on, and I always pay my bills on time. I have checked my credit report and have seen no red flags. My credit score is XXXX. And yet every day for the past two or three weeks I have gotten a robotic message on my answering machine from Van Ru ( sp? ) asking me to call them. I have n't called them because I know I do n't owe any money, but I want them to stop calling 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 05-10-2016 about Student loan (Non-federal student loan) with SLM CORPORATION (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: Sallie Mae harrasses people to no end. I have paid my student loan in full and yet they have continued to call me and my cosigner. I was a few days late, but I paid my entire XXXX bill instead of the minimum. They have continued to call every hour on the hour today. I have had 5 calls since I paid. I have called and they say there is nothing they can do. They need to update their systems so that after you pay you stop getting calls from them. This is harassment of my cosigner and I and I am considering a lawsuit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2017 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: XXXX, XXXX, Equifax, XXXX, and XXXX set-up XXXX as a means of delivering disputes from the credit reporting agencies to the data furnishers. XXXX does not work!!!! I have had XXXX for numerous years, and have NEVER received a notification of a dispute. Furthermore, I can document instances, that a negative credit blemish was deleted without XXXX notification ... a clear violation of the Federal Fair Credit Reporting Act. XXXX is XXXX!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2016 about Mortgage (Reverse mortgage) with WELLS FARGO & COMPANY (MA).
Issue: Loan servicing, payments, escrow account

Complaint: Please be advised that Wells Fargo has refused to turn over any " Debt Validation '' Documents. One of their executives claims " the request is too broad ''. Semms simple enough to me. It 's a standard debt validation asking what or how much do I owe and why I owe said amount. Keep in mind, this is a Wells Fargo area of expertise producing phony " TADA '' or ROBO-SIGNED documents that do not and have not ever existed.

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 11-11-2016 about Debt collection (Credit card) with Praxis Financial Solutions, Incorporated (NJ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Calling my place of employment in hopes of collecting a debt. Calls multiple times and harasses my employees when I am with customers or in meetings when he calls.

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