milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/25/2015 about Debt collection (Medical) with Healthcare Financial Services, LLC (MS).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: URGENT! ACTION NEEDED : False representation, unethical behavior and consequent actions of a medical facility and health corporation along with padding medical costs, etc. : I went to court yesterday, at XXXX in the XXXX County Justice Court in XXXX , Mississippi , an attorney with Healthcare Financial , the legal representative for XXXX XXXX Hospital presented legal proceedings against me for medical bill debt collection. It was at XXXX XXXX Hospital 's Emergency Room where last summer, in XXXX, I received Emergency Room medical services, one, in XXXX machine for XXXX which skyrocketed the bill, and Paid {$40.00} on bill and was not reflected at court, XXXX, Tuesday, XX/XX/XXXX. So, before any collections, my bill was paid before judgment and notice, why should I now after court and stating my case face financial repercussions. There in Justice Court, the Judge XXXX XXXX ruled in favor of Healthcare Financial ( XXXX XXXX Hospital ) in a ruling of over {$1100.00} in ER medical costs ( the original cost, not reflecting the {$40.00} paid while in good standing-UNFAIR to turn over to collections ), court costs and attorney 's fees, even though Healthcare Financial with their paperwork quoted me as owing the entire amount of the medical bill, not giving credit nor taking into account the {$40.00} I paid back in XXXX to the XXXX XXXX Hospital and I have my receipt. The original medical bill only, after I paid {$40.00} in a good faith effort was {$850.00}. Early on in summer XX/XX/XXXX, less than a few weeks after receiving services, I contacted the hospital requesting to make payments of {$10.00} to {$20.00} a month and more when I could afford to and was declined. I was told the least payments the hospital would accept was {$40.00} a month. With all my tons of bills, I struggled to make any payment, yet, while my medical account was in more-than-not, in good standing. I told the attorney I paid {$40.00} on my medical bill, and she said to me in the presence of the judge, " You should n't been able to pay them. They should n't took a payment from you. '' But they did! And I have the receipt from XX/XX/XXXX. However, in Justice Court before all speaking aloud, the attorney for Healthcare Financial-XXXX XXXX Hospital said after I asked the Judge, XXXX XXXX could I continue on making payments or more affordable payments to the hospital and the attorney said I could pay a COLLECTION AGENCY, and the damage has already been done. I was more than not devastated. The attorney did not take into account the {$40.00} payment and asked for better arrangements, therefore my account should not be turned over to collections in such unethical and credit not taken into account.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Billing disputes

Complaint: i have opened credit line with BOA since XXXX/XXXX/15 ... i told them my only income is SS. i requested to have the payment pulled on the XXXX of sach month when i receivsd the benefits. today i studied the statement and found out i have been paying late a d thou charged XXXX dollars each time. 
i found it is unfair. i was not instructed that paYment would be always late. i requested by pho e to have these charges waived. it is not possible i was told. please help me. for i have also been harmed on my credkt report.

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 10/24/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Managing an account
Sub-issue: Cashing a check

Complaint: A stolen check was drawn on my Chase checking account on XX/XX/XXXX in the amount of {$4000.00}. I believe the check was stolen from my apartment the preceding day in an incident reported promptly to the XXXX but at the time of the initial police report I was unaware that my check book was among the items stolen in this incident. I became aware of the theft on XX/XX/XXXX, when I reviewed my account online and discovered the unauthorized check. The check image clearly shows a signature bearing no resemblance to my own. 

I reported the theft to Chase 's fraud department on XX/XX/XXXX, and froze my account on XX/XX/XXXX. On XX/XX/XXXX, I received a letter dated XX/XX/XXXX from Chase 's Customer Claims Department denying my claim, " because you did not take ordinary care to prevent the fraud. '' I spoke to a representative of the Fraud department, " XXXX, '' by phone on XX/XX/XXXX around XXXX XXXX EST. XXXX confirmed that Chase denied my claim, saying that because I had not stored my check book in a " secure location '' Chase could not bear responsibility for cashing the forged check.

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2017 about Vehicle loan or lease (Loan) with ALLY FINANCIAL INC. (NJ).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of  XXXX   2015  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get 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 11-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MS).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: The XXXX XXXX XXXXt account ending in XXXX was on my credit report for years and the credit bureau 's ( Equifax , XXXX , XXXX ) never validated the debts but allow them to report it to them an they put it on my report this is a violation of Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. This has hurt my ability to obtain credit. This is not the only account that is not validated but they say they are working on them but should have been verified before it was put on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2015 about Mortgage (FHA mortgage) with ALLIANCE FINANCIAL RESOURCES (AZ).
Issue: Application, originator, mortgage broker

Complaint: I started a mortgage refi with a company Alliance Home Loans. They told me that i am not to make my next month payment. we have never had missed a payment in 3 years. They failed to close the loan on time which now we cant re fi for 3 month and have damage or perfect payment history. And now we have to struggle to catch up. I feel that if they could n't close they should have let us know!!

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Debt collection (Medical debt) with Pressler & Pressler, LLP (NJ).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: On  XXXX   XXXX ,  XXXX  I received court documents, from  Debt Atty. Pressler & Pressler, that I a m being sued for a balance owed to   XXXX   XXXX   XXXX .   XXXX     XXXX  provided them with  XXXX  statements dated  XXXX , and both had handwritten balances.     I have contacted   XXXX   XXXX   XXXX , at  XXXX  different phone numbers, for which I was told they could n't find my account.   
I have also provided a detailed letter to Pressler & Pressler, explaining that the informatio  n on those  XXXX  statements are not accurate.   The first account, shows a handwritten balance of {$10.00} with a last payment received date of  XXXX / XXXX / XXXX . I have bank statements indicated a final payment in the amount of {$25.00} was made on  XXXX   XXXX ,  XXXX . According to my calucations, this was an overpayment of {$14.00}.   The second account shows a handwritten balance of {$780.00}, with a last payment received date of  XXXX / XXXX / XXXX . I have bank statements indicatin g 13  payments were made since that date with the latest being  XXXX   XXXX ,  XXXX .   Since no one seems to be able to find my account, and the attorney 's office if going by false information, I have major concerns as to where my payments were actually being applied. In addition, I have not received a statement or an itemized bill in approximately 2 years, but yet I keep making monthly payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2017 about Credit card or prepaid card (Store credit card) with TD BANK US HOLDING COMPANY (MI).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: Hello, On  XX/XX/XXXX  2017 I paid my minimum payment on my Target Store Card account. Then in an attempt to avoid interest on  XX/XX/XXXX 2017, I made a payment of {$120.00} to cover the remaining balance using a new checking account via Target 's website. I was unable to copy and paste my account number as Target 's website would not permit me to do so, but I was able to copy and paste my routing number. Today ( XX/XX/XXXX  2017 ) upon checking my bank account I noticed that the funds for my Target card were not withdrawn. So, I checked my target card and noticed there was a return payment fee of {$27.00}. I immediately called the number located on my Target card and was informed that my check had returned " unable to locate the account. '' I asked to have this fee waved and the representative refused. I then asked for a supervisor and was transferred only to be disconnected. I called back and spoke with  XXXX  who sounded helpful and she waved my interest fee as she said it was a mistake on Target 's part and I should not have been charged, but she could n't wave the return check fee. I asked for a supervisor and she transferred me to  XXXX  employee ID  XXXX . I explained the situation to  XXXX  and she also refused to wave the fee or transfer me to another supervisor ( she said no one would help me ). My check was NOT returned for insufficient funds. Target was probably not charged any fee for this returned check. I had previously made my minimum payment and was just making an extra payment to cover the statement balance. I believe that this fee is unjust and should not be charged.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: I am filing a complaint against Bank of America for their dishonest, unprofessional practices on a reversal payment to my checking and debit account I am very dissatisfied with BofA. On XX/XX/XXXXI had a reversal payment in the amount of {$270.00} from XXXX XXXX XXXX due to a glitch in their system, I have been assured by XXXX XXXX XXXX supervisors that the money was reversed back to my account on XX/XX/XXXXand it would take two business day to reflect back to my account. I have been calling BofA to find out about my refund they did not have a clue XXXX XXXX XXXX had assured me it would take two business days to reflect on my BofA account which it would have beenXX/XX/XXXX. On XXXX I call XXXX XXXX XXXX and connect Bank of America and we had a conference call with supervisor XXXX from BofA XXXX XXXX XXXX assured him the funds had been reversed the same day ofXX/XX/XXXX Bank of America supervisor could not explain why the funds had not been put back into my account he informs me the funds could be available on Monday, XX/XX/XXXX well today is Tuesday XX/XX/XXXX, and no funds have been released to my account. I call BofA and spoke to XXXX very rude, I requested a supervisor and I got XXXX he did not have a clue why my funds were not put back into my account. I call XXXX XXXX XXXX and had XXXX on the line and connected once again BofA and spoke to XXXX we had a conference call she also tried to figure out what was happening with my refund since I had XXXX XXXX XXXX on the line and they assured XXXX the funds had been reveres on XX/XX/XXXX, she could not figure out why my funds were not available.I have to continue to wait for my {$270.00} funds.

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 04-04-2015 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: synchrony bank-account # XXXX after negotiating a settlement and sending a money order they informed me that the debt is past the statute of limitations and they wont give me my money back or remove it from my credit report I paid them {$490.00} they want update it to say paid in full or nothing how can I get my money back? synchrony bank. XXXX XXXX XXXX, fl XXXX I talk to XXXX & XXXX XXXX/XXXX/15 on around XXXX cst ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/31/2017 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (NJ).
Issue: Trouble during payment process

Complaint: First. Nationstar is in the ACT of Dual-tracking, I attached the foreclosure petition by Nationstar attorneys.  Currently  nationstar has a complete modification pending, in fact I appeal their wrongful denial on  XX/XX/XXXX  and attached. I received no written response from nationstar but they received my appeal by fax email and mail. Attached is proof of the foreclosure petition filed and served and concluding nationstar in the ACT of wrong doing by  Dual-Tracking ( Filing  a foreclosure complaint while pending modification review ) I have always had a pending application with nationstar. See attached proof!  <P/><P/> This is my  2nd  complaint against Nationstar, I have been getting wrongfully denied HAMP FHA Partial claim/combo since early  XXXX . Just denial letter after denial, I attached my most recent appeal with proof from FHA mortgagee letter XX/XX/XXXX  and supplemental directive  XXXX .  <P/> My complaints involve Numb er 1 Dual-tracking and number 2 wrongful FHA HAMP  PARTIAL CLAIM  COMBO  DENIAL. IN FACT, NATIONSTAR HAS N'T REVIEW ME EVER FOR A PARTIAL WITH ALL THEIR DENIALS SINCE EARLY  XXXX . THIS IS HRRIBLE, I AM BEING DISCRIMINATED AND NOW THE LENDER IS DUAL-TRACKING TRYING TO ILLEGALLY FORECLOSE.  <P/>  XXXX FYI ATTACHED IS THE PROOF OF THE FORECLOSURE PETITION I WAS SERVED WITH A FEW DAYS AGO BY NATIONSTAR, IT PROVES THAT NATIONSTAR IS DUAL-TRACKING, SEE ATTACHED MY APPEAL SENT AND DATED  XX/XX/XXXX  CURRENTLY UNDER REVIEW WITH NATIONSTAR. THERE SHOULD NOT BE A FORECLOSURE PETITION BECAUSE I AM IN THE MIDDLE OF A LOAN MODIFICATION REVIEW AND DISPUTE. PLEASE PROVIDE CONSUMER PROTECTION DUE TO NATIONSTAR AND THEIR ATTORNEYS FRAUDELENTLY TRYING OBTAIN JUDGEMENT OT FORECLOSURE WHILE PENDING MODIFICATION REVIEW.  <P/> AGAIN, THERE SHOULD BE NO LEGAL ACTION STARTED BY NATIONSTAR CONSIDERING THE #  1  WRONGFUL DENIAL AND MOST IMPORTANTLY MY MORTGAGE ASSISTANCE APPLICATION IN REVIEW AND APPEAL IN DISPUTE WITH THE DENIALS. NATIONSTAR IS PURPOSELY DENYING ME ASSISTANCE AND SINCE  XX/XX/XXXX PER ATTACHED  XXXX , I AM ELIGIBLE FOR FHA HAMP PARTIAL CLAIM AND COMBO. AND THE BACK END RATIO DEBT TO INCOME OF 55 % WAS ELIMINATED SO HOMEOWNERS COULD QUALIFY EASIER FOR FHA  HAMP  PARTIAL CLAIM.  <P/> FINALLLY, THE DENIAL SINCE EARLY  XXXX  BY NATIONSTAR ARE FRAUD ACCORDING TO FHA  MORTGAGEE LETTER   XXXX , IN WHICH NATIONSTAR IS A PARTICIPATE. ALSO TAKE INTEREST TO BORROWER SOLICITATION IN WHICH NATIONSTAR IS IN VIOLATION AGAIN!!!

Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2015 about Mortgage (FHA mortgage) with LAKEVIEW LOAN SERVICING, LLC (MD).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage was sold to a new lender on XX/XX/2015. The new lender is Lakeview Loan Servicing, LLC c/o XXXX XXXX, XXXX. Located at XXXX XXXX XXXX XXXX XXXX, VA XXXX. I called this company on XX/XX/2015 to verify the payment address so I could make my mortgage payment but was advised by a representative that the account was not in their system yet and was asked to callback in 1 week. I called the following week and was told by the representative that my mortgage payment had increased, when I questioned the increase the rep realized that the property tax escrow amount was higher. I gave the rep a breakdown of my mortgage payment with the previous lender and that gave me my monthly total of {$2100.00}. The new monthly payment now being billed is {$2300.00}. The rep opened an investigation to have the property tax escrow amount corrected after verifying with the states website. The rep told me to callback in XXXX to XXXX business days and then I could make my mortgage payment over the phone. I called back to follow up after the XXXX business days I was told this matter was still being investigated and the deadline was XX/XX/2015. I called back on XX/XX/XXXX ( 4th call ) and the issue was still not corrected. I requested to speak to a supervisor and was told one was not available, and the supervisor would call me back same day before XXXX. I never received a callback. My wife called again today XX/XX/XXXX and the rep XXXX agent ID # XXXX advised her that the matter has still not been resolved. My wife explained that this is unacceptable customer service and that we are trying to make the correct mortgage payment and nobody is doing anything to have this matter resolved. XXXX said she would transfer the call to the supervisor but then came back on the line and said a supervisor was not available but would have one call us back. My wife advised the rep that we were told this before and the supervisor never called us back. My wife also told the rep that she will be filing a complaint with the CFPB and is still waiting for a supervisor callback. My wife requested the name of the customer service manager and XXXX said her name is XXXX XXXX. We have been consistently trying to have this matter corrected so that we can pay our correct mortgage payment, but nobody in the mortgage company is willing to help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NV).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: The Company XXXX XXXX run a hard inquiry check on credit report agency Equifax. 
I did NOT authorize this inquiry. 

I called XXXX fraud department and Equifax. 

I placed a dispute on Equifax credit report, and fraud alert on line, then called the customer service to talk to someone for some questions and resolution. 
The person that I spoke to, an employee of Equifax, told me that there was nothing they could do to remove that hard inquiry from my account, that it would be there for 2 years. 
I said, how can you keep it there if that is a FRAUDULENT inquiry? 
They replied I had to contact XXXX XXXX, which I did right prior to contacting them. 

XXXX fraud department DENIED that they used my social security to run a hard credit check, and the fraud department lady I spoke to said that anyone can run a credit check without social security. I told her she was mistaken, because to my knowledge they must have a social security to run a credit report, and the credit report agency confirmed this, they can not do it without it. She replied these words '' you do not know what are you talking about '' and hang up on me. 

Both XXXX and Equifax have given me the run around, even after I disputed the information and even put a fraud alert on my Equifax account. 

That hard inquiry has to be removed ASAP, and not after 2 years like Equifax customer service agent said, because it lowers my credit score for no reason, since it was a fraudulent inquiry. 

Please help me to resolve this issue. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This company bought a debt that has been disputed and removed from my credit reports. There is NO CONTRACT or any evidence bearing my signature.

Company response to consumer: Closed with explanation