milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/26/2017 about Debt collection (Medical debt) with AAA Collections (SD).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: The company known as XXXX XXXX XXXX in XXXX XXXX has been harassing us daily with phone calls to pay them what is owed for a medical debt. After sending them a payment of {$100.00} a month for the last year ( I am fully aware that I was past due but was finally financially able to start making payments ) they have been calling me and my wife twice a day but sometimes waiting a day in between to call us but they do attempt both of our phone numbers usually with an hour of each other. Most of the time their allegations are that if we do n't start paying more than {$100.00} we will be force to take legal action and if we do n't get set up on their " minimum automatic withdrawal program '' " we will continue to call you until we get this set up '' even though we have paid them already for that month. As a consumer being " Bullied '' into an automatic withdrawal program when you are already paying someone does not sound to me a like a good or fair business practice. We finally agreed ( forced by legal letter that if we do n't start making the payment of automatic withdrawal of {$180.00} a month we are taking legal action ) to set up an automatic withdrawal. I have requested that since our verbal agreement of payment plan, that they provide me with documentation of our agreement, of which they refuse by stating " It 's not our policy to provide that information! ". This company has been one of the most vicious debt collecting agencies I have ever been forced to work with. They have on multiple occasions brought my wife to tears and have caused my XXXX XXXX to rise because of their unethical treatment of the consumer. I will admit I have had to raise my voice on multiple occasions with them to try and get the m to stop calling on my work provided cell phone which after finally threatening legal action due to the laws set in place by my state that they finally stopped calling my work cell phone. However they continued to call my personal phone during my working hours of which I have asked them to call after XXXX Central time, again no compliance from them. The amount of mental anguish this company has continued to thrust upon us has cause much undo stress on my family and our relationship. Once again I am asking for legal documentation of the agreement we have set up so that I will have evidence that they will take no further action. here are just some of the most recent dates they have called but have n't left a message : XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2016 about Credit card () with PNC Bank N.A. (PA).
Issue: Rewards

Complaint: PNC bank mailed me a physical letter advertising my pre-approval a new credit card with a promotional bonus of {$100.00} upon meeting certain requirements. After meeting the requirements no {$100.00} bonus was received. I spoke to a PNC bank escalation representative who asked for a copy of the offer, which I provided. I was then told by the representative that the {$100.00} credit would not be given because I was not eligible for the offer because I had previously received an unrelated bonus for an unrelated banking product. I still have the mailed printed offer explicitly outlining the terms of the disputed offer, and it contains no terms describing that I would be disqualified by receiving bonuses for unrelated banking products. 

If not for the bonus offer I would not have opened the line of credit which harms my credit score, affecting loan rates, and costing me time managing the credit line..

Company response to consumer: Closed with monetary relief
Consumer complaint received 12-09-2017 about Vehicle loan or lease (Loan) with SECURITY NATIONAL AUTOMOTIVE ACCEPTANCE CORP (TN).
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint: In XXXX XXXX I purchased a XXXX XXXX avenger. I financed the vehicle through a company called snaac. A few months later I had already started to have some issues with my payments, they said I had insufficient funds within my account but when I viewed my account there was money there. So I paid what I need it to pay to catch back up on my normal payments. Months after that this same thing happened in months after that the same thing also happened all the way till now XXXX XXXX. But at this moment they repossessed my vehicle and once again say that I had insufficient funds within my account but that wasnt true coming from XXXX XXXX. Maybe federal viewed my statements online from the day I got my car till now they told me that snaac didnt even try to an attempt to take or collect the money from my account there was no proof of it and when they did take out the money that it was random and random amounts which was not in the contract and or agreement. I also remember saying on the phone with this company for my payments to come out on the first and 15th numerous times it would come out on the first but on the XXXX there would be no water but instead a later date they would get that money out of my account like the XXXX Way past the date that was set on the agreement. So last night XXXX XXXX my vehicle was repossessed and I had no mail or anything saying that my vehicle was going to get repossessed only a letter stating that my payment is being processed. Both on the phone and face to face XXXX XXXX stated this seems very shady from this company and very much to me seems like a rip off. This happening to an XXXXXXXX member Is a no go in the XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2016 about Credit card () with CITIBANK, N.A. (MA).
Issue: Credit line increase/decrease

Complaint: Macy 's American Express card limit was decreased for no apparent reason. The card was overpaid accidentally and used to bring the balance back to XXXX. A week later the limit was decreased from {$10000.00} to {$500.00}. This will negatively impact my credit FICO score which is in the XXXX range ; no lates ; with a XXXX % credit usage.

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 10/14/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I ca n't remember when I even took a XXXX XXXX loan ( before XXXX ) but I had n't gotten any request for payment for years and in XXXX I filed a chapter XXXX and a XXXX XXXX amount of about $ XXXX was included. In XXXX I was diagnosed with XXXX and went through XXXX and 6 months of XXXX. I successfully completed my 5 years of chapter XXXX payments in XXXX of XXXX and all of a sudden today I received 6 emails from a company called Navient saying I owe $ XXXX to someone. I will not pay this ... .I did n't owe it to begin with and I completed XXXX and chapter XXXX. Please STOP these people ... .they are evil.

Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2018 about Money transfer, virtual currency, or money service (International money transfer) with Inter-Cambio Express, Inc. (CO).
Issue: Confusing or missing disclosures

Complaint: Complaint for non-delivery of Pre-Receipt or Receipt of Shipment made to XXXX on XX/XX/XXXX. 

Hereby I XXXX XXXX XXXX, with Consular Registration # XXXX, and address at XXXX XXXX XXXX XXXX-COXXXX, I come to present my claim, against the Money Transfer Agency located inside the Store XXXX XXXX XXXXt, site at XXXX XXXX XXXX XXXX Colorado ; for the following reason : CLAIM : No delivery of Pre-receipt or final receipt, for the Transaction made on XX/XX/2018. 
REMESA DETAILS : -Remittent : XXXX XXXX XXXX , - Amount Remitted : {$30.00}, plus {$10.00}, by transaction charge. 
- Beneficiary : XXXX XXXX XXXX. 
- Paying Entity : XXXX. 
- Pin Number : XXXX. 

FUNDAMENTALS OF THE CLAIM. 

1. Motivate my claim the fact that the person, of masculine sex, who received the money and made the remesa, told me, that they had problems with the printer, and that he would return the next day from XXXX XXXX  so that I will deliver my receipt. 
2. It is the case that the day Sunday XX/XX/XXXX to return by my receipt the same person, who attended me the previous day I indicated that I had it and that I returned to return on Monday XX/XX/XXXX. 
3. What worries me is that for the remittance, said person only asked me to take a picture of the receipt of the remittance from his cell phone ; where only the pin number appears, name of my beneficiary, amount to receive and paying entity. But my name does not appear nor that of the company through, from which the remittance was made ; what that person told me was Intercambio Express. 
4. In the photo that was given to me, there is no phone number where I could call in case there is any problem with the collection of the remittance in XXXX. 
It is these facts, totally irregular, that motivate my claim. 
regards XXXX XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2015 about Debt collection (Medical) with Firstsource Advantage, LLC (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: this acct is showing up on my credit report when it is not mine and yet it has not been removed i have faxed copies of my information police report / id theft affidavit and identification in this matter

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2015 about Debt collection (Medical) with WAKEFIELD & ASSOCIATES, INC. (MO).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I initially spoke to XXXX on XXXX XXXX. They did not give me an account number or any information other than that it was a debt from XXXX XXXX XXXX, the amount they want to collect from me, and that if I had n't called them they were going to " take further action '' to collect on the alleged debt. They did n't offer to send me any letter or documentation and did n't tell me that I was supposed to receive any kind of documentation from them. I should have received some kind of letter in order to prove or verify this debt shortly after they initially spoke to me, but I 've received nothing at all. 
They have tricked me into telling them financial information about myself and my fiance, and the XXXX time I spoke to them and told them again that I have no money and no way to make a payment on this alleged debt, the person I was speaking to asked me " Are you saying that you 're refusing to pay for services provided? ". I did n't know what to do so I hung up. 
They did n't tell me that I do not have to provide them information about myself or anyone else, or that I can tell them to stop contacting me. The only reason I know that I 'm supposed to have gotten a letter and can make them stop calling is because I found out via a XXXX search. 
I can not send them a request for more information or a complaint via their website because they 've never given me an account number. I do n't want to call them because I now know they will not notify me of my rights and they will try to trick me into saying things that I do n't have to tell them or will make me look bad.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit Services of Oregon, Inc. (OR).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I have been and still making payments on my account. Every month. 
The company is not reporting my payments to the creditors. 
I have to call or write to the creditors myself to update the account and I requested that the company I deal with to send me a statement. Regarding my account with the full balance it is not on the statement. and now my account is in collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2016 about Credit reporting () with Experian Information Solutions Inc. (IN).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: There is a discharged Chapter XXXX Bankruptcy that is on my Experian Credit Reports that does not belong to me. I have disputed several times with Experian and they continue to verify. I have inquired to both for the verification information ( how it was verified and who verified it ) and they have failed to supply this to me. After looking up the Bankruptcy ( public information ) that is reporting on my file, it looks like it is someone with a similar name. I have never lived, nor do I know anything about the address that is associated to the Bankruptcy. If they are using other means to verify, I need to be informed so I can show proof that this public record does not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NELNET, INC. (CT).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Nelnet erroneously reported 6 student loans totaling {$13000.00} as 90 days delinquent in XXXX of 2015 despite numerous attempts to submit documentation that I was eligible for deferment, or at a minimum forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Chase bank sold my mortgage to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX added {$75000.00} to my loan for delinquent payments. I was in modification with Chase for 5 years, and 5 different modifications. When we were just about to complete, they sold to XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX then billed me for {$80.00} something XXXX. After months of disputing since I did n't know who in the XXXX they were and did n't know my loan was sold, they tacked all this money on my loan and ruined my credit. As you know, when your in a modification, Chase would not accept payments for all the years. I do not think they have the right to do that. I was XXXX years old and completely used by them. I am now XXXX and will never be able to pay off the loan. My loan balance at the time of starting the modification was about {$1300.00}, PITI. Now its the same with a lower interest rate, but {$75000.00} more and I will never pay off my home.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2018 about Debt collection (Medical debt) with Grant & Weber (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Dear Sir or Madam, This letter is in reference to GRANT & WEBER Account # XXXX for services provided to XXXX XXXX on XX/XX/XXXX. 
In regard to the bill on this account in the amount of {$7400.00} Please be advised this is not a refusal to pay, but a notice your claims are being disputed. 
Under the Fair Debt Collections Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, the date of the alleged medical service, the name of the patient and proof that there is some contractual obligation which is binding on me to pay this debt. 
Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and or authorization under subtitle D of the ARRA, SEC 13401. APPLICATION OF SECURITY PROVISIONS AND PENALITIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 )  BREACH OF SECURITY. 

The term " breach of security means, with respect to unsecured PHR identifiable health information without the authorization of the individual. 

Please note that enforcement of penalties against you is covered under the penalty rules of the omnibus final rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information. Technology for Economic and Clinical Health Act of 2009 ( HITECH ACT ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX. 

Please also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account and a copy of any HIPPA authorization. 

Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collections activities, including reporting of or verifying of this account on my credit reports. 

In the event of non -compliance, I reserve the right to file charges with the OCR on your HIPPA violations and appropriate County, State and Federal Authorities. I require compliance, I reserve the right to file charges and/or complaints with the OCR on your HIPPA violations and appropriate associations for violations and appropriate County, State & Federal authorities for violations of the FDCPA, FCRA and Federal and State statutes on illegal collection activities on any account that may be time-barred as well as in violation of California medical privacy rules. 

I also hereby reserve my right to take private civil action against you to recover damages. 

Sincerely, XXXX 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 08-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: i am contacting this department over concerns i have at an address which is not connected to me and yet it appears on my credit reports. I do not live or have ever been associated with XXXX XXXX XXXX XXXX XXXX, CA XXXX. it appears in the current and former section of my report but i have never been associated here. my address is in XXXX XXXX only. I attempted to call these bureaus but it was very hard to get a hold of a representative.

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 07-08-2015 about Mortgage (FHA mortgage) with CITIBANK, N.A. (AZ).
Issue: Credit decision / Underwriting

Complaint: My 10 year interest only loan had expired in XX/XX/XXXX. In XX/XX/XXXX, I applied for a loan modification with Citibank. I have all the email requests for multiple requests for the same information, many times. Each time it is submitted to the underwriter, it comes back with a new request, plus a repeat request. It is now XX/XX/XXXX and my modification has yet to be approved or denied. In XX/XX/XXXX, I requested a new person to work my account, received assurances that I would get a weekly update ( email ), never happened. With the new person, he has had 7 months of requests and re-requests with no foreseeable end to this process. In the mean time, my credit is being destroyed. I want Citi to know what is taking place in the business.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/21/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: There were a credit inquiry placed by XXXX XXXX of Delaware on XX/XX/XXXX. This should have been a " account review inquiry " and not a HARD INQUIRY placed on my credit report. I recently opened this account in XX/XX/XXXX so why would I purposely apply in less than 30 days?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2015 about Debt collection (Medical) with Capio Partners, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Capio Partners has put a collection account on my XXXX credit report. I have paid this account in full.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/26/2017 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (NY).
Issue: Struggling to pay mortgage

Complaint: Chase bought my mortgage from a bank that went out of business, I became deliquent, cured the deficiency with in the amount of time allowed yet they proceeded with a foreclosure. I tried to obtain a modification to no avail as they sold and resold the servicing every time I was in the middle of trying. At the same time JP Morgan Chase had a law firm they retained proceed with the foreclosure. I repeatedly tried to contact JP Morgan Chase to discuss the mortgage the Judgement they obtained during court proceeding that I had no knowledge were even occurring. Each time I tried to contact JP Morgan Chase they claimed they had no interest in the property. Yet they had the Foreclosure mill law firm they hired proceed with enforcing the judgement they obtained yet claimed to have no interest in. I tried to work with XXXX they never sent me modification information as required by law. JP Morgan then purchased the property back for {$500.00}!!! XXXX claims they enforced the foreclosure sale judgement, if this is the case that was illegal because they were never awarded judgement JP Morgan was and another party cant enforce a judgement they do not own. JP Morgan Chase got paid through insurance for my mortgage since it was listed as an un collectable account. They then sold it and got paid again, now they purchased it for {$500.00} and intend to sell it AGAIN and make more money on the house. I do not see how these banks are allowed to continually break laws along with the foreclosure mill lawyers and they have to answer to no one. If I tried to enforce a judgement that was awarded to someone else a Judge would laugh me out of court and I would probably face fraud charges yet these banks and lawyers are allowed to do it every day. But I suppose when you even have XXXX letting discrepancies that JP Morgan has on their books slide.

Company response to consumer: Closed with explanation