milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/30/2016 about Debt collection (Medical) with Revenue Assistance Corporation dba Revenue Group (OH).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Dear Sirs, I have been a patient of the XXXX XXXX, and i have found them to be engaged in an ongoing pattern of misleading and deceptive business practices. Prior to each and every medical procedure, I asked the medical secretary as to whether there was any copay/deductible for that procedure. The answer was the same every time .... '' nothing. Upon exiting the medical office I did not receive a statement as to what the medical insurance would be billed. I then received a bill from the billing department for {$3800.00}!!!! Eventually this was turned over to a collection agency with threats of legal action!!! This is inherently unfair and deceptive, for which the XXXX XXXX should be sanctioned, fined and reprimanded. There was, and still is NO XXXX XXXX XXXX in the patient protocol at the XXXX XXXX!!! ... ..I believe it is a basic right of any patient to know what a procedure is going to cost ... before the procedure is DONE!!!! Furthermore the XXXX XXXX could probably give an approximate guess as to medical coverage. Sincerely, XXXX XXXX XXXX e-mail : XXXXXXXXXXXX

Company response to consumer: Closed
Consumer complaint received 05/28/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NC).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I recently graduated from XXXX University with my XXXX. Navient a company which took over my loans from XXXX XXXX contacted me in XXXX of 2015 for repayment for my XXXX loans from XXXX University. As a XXXX I bring home {$2300.00} monthly after taxes. I am currently paying {$200.00} for my federal loans, and was hoping to pay the same amount for my private loans. After reaching out to Navient for the XXXX time, they told me that my only option was a rate reduction plan, that has me paying {$400.00} plus per month. I can not afford this payment. I have totally wiped out my savings from XXXX of 2015 until now. I know My obligations and I am willing to pay every month, however {$400.00} per month is too much. I do n't have enough money to pay all of my bills, or buy groceries once I pay this amount. Is there anyway my payment can be lowered? 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (KS).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX has sent me a bill to XXXX different collectors from my mother in laws XXXX account when we lived at her address. The account in reference does not belong to me or my wife.

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 11-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have being paying a 3rd party company that is associated with Navient. They have a total of 5 payments from me. I have talked to the main company Navient ( XXXX ) and they do n't recognize or see 2 of the payments that I have sent ( XXXX XXXX, XXXX in the amount of {$120.00} and XXXX XXXX, XXXX in the amount of {$180.00} ). On my credit score it still shows that I have missed/late payments from Navient. I have talked with the 3rd party company repeatedly and they continue to hang up on me. I do n't understand how these payments are not positively reflected on my credit score. Navient is the ONLY company that is damaging my credit score by inaccurate information. I have sent in 2 letters containing both dispute letters and my credit report that they have asked of me and still my credit score is not fixed by the problems they have caused. On my credit score it shows that XXXX through XXXX I have late or missed payments. This is inaccurate. They received 2 payments in XXXX, one XXXX XXXX, one XXXX XXXX, one XXXX XXXX. They have a total of 46 late/missed accounts on my credit report. I only have 5 accounts with them. I have tried to talk to Navient and the 3rd party company associated with Navient and I am having a hard time to rectify this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (CA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I purchased two items at the XXXX XXXX XXXX store in XXXX XXXX on XX/XX/XXXX. One of the two items was returned within 30 days. The other, I kept. The kept item originally cost {$29.00}, but because I opened a credit card that day, was discounted by 15 % so that I ended up paying {$27.00}. Both items were charged to the new credit card. After returning the more costly of the two items, however, I decided to cancel the credit card. Unfortunately, I never received a bill for the charges, because the bill was sent to an old address ( in Missouri ) where I am not currently living -- due, as far as i can determine, to an error made by the store clerk who processed my application for the account. Long story short ... Because I never received a statement, had closed the account and returned the main item purchased on it, it completely slipped my mind that there remained a small outstanding charge ... until I received a call from Comenity bank ( who owns the XXXX XXXX credit card ) on XX/XX/XXXX, saying that I had a past due balance of {$92.00}. I was quite confused because I could n't recall anything I had purchased for that amount or anywhere near that amount. After some discussion, it became clear what had happened, and I paid them on the spot the {$27.00} I legitimately owed them. Now at dispute is a balance of {$100.00} they say I owe them in late charges, interest & misc fees. However, the statement ( attached ) indicates that I have been charged {$130.00} in interest, late fees and charges since the account was opened on XX/XX/XXXX. This is 476 % more than the cost of the single item I purchased, and these charges were levied over a 4 month period betweenXX/XX/XXXX and XX/XX/XXXX, the date of the bill I just received. That translates into a 1429 % effective annual rate. This seems patently absurd, and surely there must be some law against such outrageous charges. when I spoke with Comenity on the phone, I asked them to waive the late charges and fees and they declined to do so. I asked to speak to a supervisor. Although he/she did not come to the phone, a message was relayed to me saying that because i had closed the account, they could not or would not reverse any of the charges or fees. Please note that the attached statement is the ONLY statement that I ever received from Comenity, and it was received because I gave them my current address over the phone on XX/XX/XXXX at the time I paid them the {$27.00} that I legitimately owed them.

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (AR).
Issue: Loan modification,collection,foreclosure

Complaint: Over the past two years I have requested information from Wells Fargo concerning what I believe to be inappropriate steps leading to the foreclosure of my home and ultimate sale. I have requested information on the number of homes foreclosed and sold in certain geographic and census tracts. I feel that my loan was not considered for a modification appropriately. The only remaining need for consideration for a modification was a statement that the utilities were on at the location. I provided Wells Fargo with a statement from the utility company with the service location noted. The utility company mailed the statement to my XXXX. The XXXX is listed on my Wells Fargo Account and has been listed for 5 -7 years. I provided Wells Fargo with the reinstatement letter on the day of the sale. This was the exact same information I provided to Wells Fargo 30 days prior. I believe Wells Fargo for a cancellation on the sale. Wells Fargo refused to post pone the sale. Based on the history of behavior, I believe my home along with others that were located in transitional economic areas were targeted to be sold to a subsidiary of Wells Fargo and thus taken off the books. I am requesting information on the number of foreclosures, in the year XXXX and XXXX and the geographic location of these foreclosures.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (PA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: My monthly payments were extremly high. I asked to have my loan payments lowered since I could not afford what they were asking me to pay back a month and my credit was being distroyed. They said the could get my loan to under {$100.00} a month if I filled out and submotted all the proper paperwork. I did that and my loan amount never changed. When I contacted Navient, they kept telling me about more paper work I needed to file and never got my payments lowered. My credit is poor now becuase of not being able to pay for my student loans and Navient being unhelpful and giving me the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Debt collection (Payday loan debt) with ROC Asset Solutions, LLC (FL).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: In addition to my original complaint, XXXX, these people have contacted by brother at his job. Inquired about my vehicle, asked my brother all types of off the wall questions. All inappropriate. The number they contacted my brother from is XXXX They also contacted by Aunt. Telling her they were trying to reach my attorney, stating I told them I had a lawyer, telling her they were taking legal action against me. The number they contacted her from is XXXX, File # XXXX. <P/>When I contacted the number above back, they told me the company name is API.

Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2015 about Credit card () with AMERICAN EXPRESS COMPANY (NY).
Issue: Other

Complaint: American Express ( Amex ) failed to follow their term in their letter dated XXXX/XXXX/2015 ( copy sent earlier ). All their past responses to this complaint are irresponsible. Therefore, I will continue to file this complaint until Amex becomes responsible and transfers the XXXX earned rewards points to my open Amex account. 

I am in full disagreement with Amex 's failure to transfer XXXX earned points from my closed Amex account # XXXX to my open Amex account # XXXX ( copies sent earlier ), because Amex stated in their XXXX/XXXX/2015 letter, " that as per the XXXX Terms and Conditions if you cancel your enrollment in the program and do n't keep open any American Express Cards, all points in your program account will be immediately forfeited ''. The key word in this quote is the word " any '', which pertains to my open Amex account # XXXX. On XXXX/XXXX/2015 I advised Amex in my letter ( copy sent earlier ) of this open Amex account. 

Amex needs to transfer my earned XXXX points to my open Amex account # XXXX per their terms and conditions. If then they are not in compliance with Federal banking laws.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: i have disputed this item XXXX item XXXX reporting on my transunion credit report, they sent me a response saying the item was verified, i escalated a complaint with XXXX to the collection agency resurgent capital services who is servicing the account with XXXX, after the request the company has agreed to remove the item from credit report, i have attached the copy of the letter received via XXXX, i want transunion to delete this negative information from my credit file immediately to enable me pursue my financial goals

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/28/2017 about Debt collection (Medical debt) with Credit Solutions, LLC (KY) (TX).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: Sectio n 392.101 of the Texas Finance Code pro hibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a  surety  bond and filed a copy of the bond with the Office of the Secretary of State.      CREDIT SOLUTIONS, LLC does not have a surety bond filed with the Office of the Secretary of State in TEXAS. All c ollection attempts must cease and information must be removed from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2017 about Debt collection (Payday loan debt) with Ad Astra Recovery Services Inc (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Original creditor   XXXX   XXXX   XXXX   XXXX  (   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX  , KS  XXXX  ), is reported on my credit report on all  XXXX  bureaus as a collection debt. This debt was paid on  XX/XX/2014    for  XXXX  to a debt collector  ( Ad Astra Recovery Services    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX , KS  XXXX  ).  Ad Astra b ought the debt from   XXXX   XXXX  . I want this debt to be removed. They show inconsistent data across all  XXXX  credit bureaus and no visible account number can be seen.

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2016 about Mortgage (Other mortgage) with PNC Bank N.A. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: To whom it may concern, I have been trying to obtain mortgage assistance on with my lender PNC and my investor -XXXX XXXX. I have provided evidence of my hardship and my financial situtation. My hardship was due to a car accident. I was force to pay out of pocket medical expenses. At that time I only depend on my fixed s.s income. Because I was force to pay for medical bills and other fees. I did n't have enough money to afford the full mortgage payment. I contacted my lender before my mortgage was in default and I was informed that I was n't delinquent enough to ask for assistance. I was trying to avoid a foreclosure on the house. My insurance has reimburse me back XXXX % of the fees that I had to pay. I do not have full funds to reinstate my loan, but I have enough funds to afford my mortgage payment. I have obtain a job, plus I have my fixed income. I can say with great confidence that my financial situation is stable. I have been trying with both my lender and Investor to obtain a modification. However they denied my modification because they do not have enough authority to make a decision on the loan. I feel that I 'm been discriminated because of ethnicity and age by PNC and XXXX XXXX XXXX. My monthly gross income is {$5000.00} and my monthly expense including the mortgage payment are {$2800.00}. Plus, I have money saved to pay additional fees if need. My goal is to keep my home and pay what I owe. I writing to you because i feel like my request for mortgage assistance is not been review property. I 'm hoping that you can reach out my lender and investor and investigate. 

Thank you in advance for all of your help.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: Hi, I have sent in several letters including a affidavit to all 3 credit bureaus about a fraudulent account on my credit profile with a XXXX XXXX XXXX  they continue to respond verified when I asked them to send me information on how the account was verified The refused to which is a volation .according to the According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Bureaus are required by federal law to verify ..through there failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if they are unable to provide me a copy of verifiable proof, they must remove the accounts.All 3 bureaus sent me a letter stating the account was verified i asked them for proof of how they verified the accounts they did n't respond ..I sent company a letter asking to verify the account and to send me a copy of the original contract I received a letter response from the company which I 've included that they could 've send me a copy of the account application because it was done online or via phone do you know how many people steal people identity everyday and could n't opened this account online r by calling. I 've included a copy of this letter

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 05-02-2017 about Debt collection (Medical debt) with Choice Recovery, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have contacted all   XXXX   credit reporting companies regarding incorrect info on my credit report regarding a collection from  Choice Recovery .  XXXX  deleted the incorrect info however  XXXX   XXXX  will not. I asked them to verify the information which they did not. I 'm writing you all to have this information removed as a solution. Thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2015 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (NY).
Issue: Deposits and withdrawals

Complaint: The colossal stupidity and incompetence at the XXXX XXXX XXXX branch of TD Bank is unparalleled and has reach dizzying heights of monumental XXXX. They once again failed to wire transfer {$4600.00} to the correct party yesterday and on top of that, no one called to let me know even though they have my cellphone number on the account. In other words they let a whole day go today and when I could have fixed it they failed/refused to even let me know about it. This is the third time they have done this in 6 months, amongst other major training problems with their XXXX staff. In the past they have arbitrarily blocked my ATM card from making routine mundane charges for " fraud protection, '' refused to credit me when I purchased electronic goods that did not work and were defective, and opened up a Lawyer Escrow account as a regular checking account. The manager at this branch needs to be re-trained if not fired for incredibly stupidity and XXXX training of her staff, which appears to have a turnover rate of new employees every few weeks. Not only that but they allow accounts to go negative and bounce checks without notifying you so that they can clandestinely collect a fortune in fees. Please urgently assist.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04-01-2015 about Debt collection (Medical) with ProCollect, Inc (TN).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Debt collector did not make communication attempts or notification by mail for debt owed or process to dispute in due time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2017 about Consumer Loan (Vehicle loan) with DriveTime (WV).
Issue: Taking out the loan or lease

Complaint: I purchased a   XXXX    XXXX   XXXX  from DriveTime, their  XXXX , MD office. Within 30 days of the purchases, I 've had to buy  XXXX  front tires 2 times. My front tires were wearing down to the metal treads wit hin 4-7 days.      When I bought the second set of tires the mechanic realized that the drivers side front shock spring was broken. I thought it was something I had done but the mechanic said that whoever inspected the car knew about it because they put a zip tie on it. I looked on the inspection order and noticed that the company had marked that suspension as a pass.     They also marked the windshield as repaired, there had been a chip in it when I purchased the truck. Well, that " repaired '' chip had grown to a full crack that stretched across the bottom of my windshield. Also, they had on the inspection order that my rear rig ht brake was repaired ... not true. That brake is ro utinely engaged while I 'm driving. It 's gotten to the point where it is now digging into my rotors so now I need those as well. As a sidebar, the AC does n't work but that 's not a safety issue.      So I contacted Drive Time an d told them what was going on. They told me to call  XXXX   XXXX  which was there extended warranty company. I did that, told them what was going on, they basically kept repeating that they only work with engine problems ... essentially telling me to get lost, that 's my lost. They did n't even have the decency to give me a detailed response. They just kept repeating that they only cover the engine and then left open silence to influence me to disappear.     So  I called Drive Time again, they 're throwing me around to customer service. After 4 tra nsfers they 're still trying to avoid the repairs but they want me to get it looked at with a full diagnostic at one of their partnering shops. It 's getting frustrating. I 've never had a car buying experience like this before.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2017 about Mortgage (FHA mortgage) with 1ST ALLIANCE LENDING, LLC (NY).
Issue: Application, originator, mortgage broker

Complaint: First Alliance Lending lost my XXXX and XXXX State and Federal Tax returns, including all XXXX. 
After prequalification, I was instructed to provide both years to First Alliance, and I delivered them in person to have them scanned which would be returned to me " shortly. '' This was XX/XX/XXXX, and my mortgage was finally closed on XX/XX/XXXX. During those four months of negotiations and preparations for closing, I requested that the returns be sent back on a weekly basis. I still have n't received them, and they are unwilling to help me further. Now that I 've moved out of state, I am having immense trouble getting tax help from professionals since my XXXX and XXXX returns were lost. First Alliance lending has been unhelpful and essentially told me " too bad. ''

Company response to consumer: Closed with explanation